Tioga County, NY Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,811 mortgage applications in Tioga County, NY totaling $168.5 million, down 3% from 2012. The average application was for $93,000, and applicants reported an average income of $65,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Visions Federal Credit Union, with 362 applications, followed by Tioga State Bank and Chemung Canal Trust Company.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,811
Total Mortgage Loan Application Amount $168,492,000
Average Mortgage Loan Application Amount $93,000
Highest Mortgage Loan Application Amount $1,358,000
Average Applicant Income $65,000
Highest Applicant Income $540,000

Mortgage Company List for Lending in Tioga County, NY for 2013

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 3,070,664,000 362 $ 40,246,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 388,885,000 197 $ 13,116,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,245,950,000 151 $ 8,092,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 151 $ 15,567,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,470,683,000 96 $ 5,728,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 73 $ 4,944,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 68 $ 5,080,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,986,046,000 59 $ 3,335,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,274,880,000 44 $ 5,131,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 40 $ 5,315,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 537,004,000 36 $ 4,235,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 835,062,000 35 $ 2,712,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 36,871,280,000 29 $ 3,017,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 27 $ 3,191,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 2,034,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 16 $ 1,533,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 16 $ 1,396,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 15 $ 1,409,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,570,015,000 14 $ 1,769,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13045
* $ 115,159,000 11 $ 952,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 11 $ 1,376,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 10 $ 1,188,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 10 $ 1,278,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,128,358,000 10 $ 590,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 9 $ 1,308,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 9 $ 1,239,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,355,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,513,640,000 8 $ 328,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 985,396,000 8 $ 560,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 8 $ 918,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 8 $ 828,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 8 $ 604,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 7 $ 826,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 1,352,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 7 $ 955,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 6 $ 783,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 6 $ 322,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 1,369,414,000 6 $ 804,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 248,603,000 6 $ 847,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 6 $ 1,124,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 469,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 5 $ 785,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 5 $ 934,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 5 $ 291,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 656,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,203,139,000 5 $ 250,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 4 $ 218,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 378,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 293,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 3 $ 230,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 3 $ 278,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ 137,424,000 3 $ 19,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 671,917,000 3 $ 673,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 380,633,000 2 $ 60,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 664,859,000 2 $ 200,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 2 $ 20,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 228,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 226,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 11,842,395,000 2 $ 17,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 130,726,000 2 $ 93,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 2 $ 237,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 82,411,000 2 $ 127,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 250,414,000 2 $ 120,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 2 $ 431,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 2 $ 163,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 182,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 347,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 104,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 4,430,539,000 1 $ 75,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 1 $ 10,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 81,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 276,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 1 $ 134,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 76,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 180,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 84,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 444,232,000 1 $ 78,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 1 $ 76,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,751,448,000 1 $ 146,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 1 $ 88,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 1 $ 207,000
Ocean Financial FCU
45 ATLANTIC AVENUE
OCEANSIDE, NY 11572
* $ 278,676,000 1 $ 200,000
Northeastern Operating Engineers Federal Credit Union
16-16 WHITESTONE EXPRESSWAY,
WHITESTONE, NY 11357
* $ 75,875,000 1 $ 204,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 253,900,000 1 $ 31,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 543,088,000 1 $ 27,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 128,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 34,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 133,441,000 1 $ 67,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 1 $ 58,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 1 $ 92,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 134,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 1 $ 145,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 122,000
Horizons Federal Credit Union
120 MAIN ST
BINGHAMTON, NY 13905
* $ 96,312,000 1 $ 58,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 115,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 24,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 98,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 204,000
First Federal Svg Bank Boston
100 BRICKSTONE SQUARE
ANDOVER, MA 01810
* $ 91,008,000 1 $ 225,000
Phoenixville Federal Bank & Tr
564 NUTT ROAD (RT. 23), P.O. BOX 629
PHOENIXVILLE, PA 19460
* $ 400,329,000 1 $ 117,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 5,923,392,000 1 $ 139,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 542,375,000 1 $ 40,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 196,979,000 1 $ 12,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 1 $ 26,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 1 $ 10,000
Sage Bank
18 HURD STREET
LOWELL, MA 01852
* $ 208,464,000 1 $ 122,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 125,000

The tables below break down 2013 mortgage applications in Tioga County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Tioga County, NY in 2013

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 794 $88,165,000 $111,000 $407,000 $72,000 $540,000
Home Purchase 595 $64,192,000 $107,000 $492,000 $59,000 $430,000
Home Improvement 422 $16,135,000 $38,000 $1,358,000 $61,000 $276,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,581 $142,909,000 $90,000 $492,000 $67,000 $540,000
Not Provided 109 $11,121,000 $102,000 $285,000 $63,000 $188,000
Not applicable 76 $9,529,000 $125,000 $1,358,000 $8,000 $106,000
Hispanic 16 $1,381,000 $86,000 $221,000 $76,000 $191,000
Asian 11 $1,489,000 $135,000 $249,000 $90,000 $313,000
American Indian or Alaskan Native 10 $988,000 $98,000 $235,000 $82,000 $168,000
Black or African American 7 $955,000 $136,000 $280,000 $145,000 $385,000
Native Hawaiian or Other Pacific Islander 1 $120,000 $120,000 $120,000 $125,000 $125,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,477 $130,668,000 $88,000 $1,358,000 $70,000 $540,000
FHA-insured (Federal Housing Administration) 212 $23,138,000 $109,000 $276,000 $43,000 $188,000
VA-guaranteed (Veterans Administration) 74 $9,284,000 $125,000 $325,000 $49,000 $191,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 48 $5,402,000 $112,000 $162,000 $44,000 $81,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,038 $100,812,000 $97,000 $1,358,000 $74,000 $430,000
Application Denied By Financial Institution 366 $25,687,000 $70,000 $289,000 $50,000 $540,000
Application Withdrawn By Applicant 150 $16,323,000 $108,000 $315,000 $71,000 $248,000
Loan Purchased By The Institution 145 $16,085,000 $110,000 $270,000 $36,000 $157,000
Application Approved But Not Accepted 89 $7,356,000 $82,000 $407,000 $62,000 $288,000
File Closed For Incompleteness 23 $2,229,000 $96,000 $151,000 $58,000 $144,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 84 $4,607,000 $54,000 $210,000 $50,000 $253,000
Debt-To-Income Ratio 40 $3,336,000 $83,000 $227,000 $38,000 $114,000
Collateral 29 $3,238,000 $111,000 $276,000 $88,000 $540,000
Other 22 $1,613,000 $73,000 $203,000 $37,000 $111,000
Credit Application Incomplete 11 $1,252,000 $113,000 $203,000 $66,000 $105,000
Employment History 5 $250,000 $50,000 $93,000 $56,000 $82,000
Unverifiable Information 4 $277,000 $69,000 $128,000 $65,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 3 $357,000 $119,000 $185,000 $121,000 $193,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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