Tioga County, NY Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,450 mortgage applications in Tioga County, NY totaling $132.1 million, down 20% from 2013. The average application was for $91,000, and applicants reported an average income of $62,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Visions Federal Credit Union, with 241 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 1,450
Total Mortgage Loan Application Amount $132,106,000
Average Mortgage Loan Application Amount $91,000
Highest Mortgage Loan Application Amount $400,000
Average Applicant Income $62,000
Highest Applicant Income $540,000

Mortgage Company List for Lending in Tioga County, NY for 2014

* 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
* $ 3,226,615,000 241 $ 24,450,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 395,225,000 144 $ 10,631,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,477,891,000 128 $ 4,685,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 94 $ 10,323,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,068,834,000 71 $ 4,007,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 66 $ 4,554,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 59 $ 4,870,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,224,369,000 45 $ 5,075,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 39 $ 5,178,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,581,736,000 38 $ 1,937,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 514,388,000 32 $ 3,472,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 27 $ 3,628,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 871,815,000 23 $ 1,893,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 20 $ 2,339,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 1,583,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 15 $ 1,541,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 37,576,781,000 15 $ 1,241,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 15 $ 1,411,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 13 $ 1,384,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 12 $ 1,185,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,693,744,000 9 $ 898,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 377,819,000 9 $ 1,255,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 8 $ 225,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 8 $ 532,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 8 $ 1,104,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 8 $ 904,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 7 $ 1,054,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 7 $ 667,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 84,849,000 7 $ 459,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,209,711,000 7 $ 304,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 963,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 1,137,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,031,459,000 6 $ 588,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,602,169,000 6 $ 890,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 6 $ 925,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 6 $ 508,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 6 $ 557,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 6 $ 910,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 5 $ 460,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 5 $ 79,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 677,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 5 $ 497,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 5 $ 765,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13045
* $ 119,243,000 4 $ 358,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 587,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 4 $ 267,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 4 $ 138,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 4 $ 399,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 4 $ 228,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 4 $ 355,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 3 $ 391,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 3 $ 275,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 3 $ 245,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 397,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 383,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 358,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 272,016,000 3 $ 203,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,922,017,000 2 $ 200,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 324,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 355,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 2 $ 114,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 305,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 243,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 339,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ 54,391,344,000 2 $ 331,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 13,380,372,000 2 $ 142,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 2 $ 21,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 2 $ 271,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 279,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 1 $ 113,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 1 $ 10,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 1 $ 206,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 1 $ 88,000
Residential Home Mortgage Corporation
53 FRONTAGE ROAD, SUITE 200
HAMPTON, NJ 08827
* $ 1,119,000 1 $ 124,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 1 $ 147,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 212,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 25,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 1 $ 157,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 1 $ 89,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 78,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 1 $ 128,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 672,943,000 1 $ 85,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 276,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 1 $ 104,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 1 $ 189,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 88,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 160,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 81,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 719,691,000 1 $ 25,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 103,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 409,634,000 1 $ 118,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,573,160,000 1 $ 25,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 1 $ 72,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 1,933,895,000 1 $ 72,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 1 $ 109,000
Mortgage Master
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 1 $ 102,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 1 $ 373,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 385,869,000 1 $ 53,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,842,485,000 1 $ 84,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 499,849,000 1 $ 169,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 500,668,000 1 $ 198,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 1,689,512,000 1 $ 125,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 131,349,000 1 $ 19,000
The Bank of Carbondale
216 E MAIN STREET
CARBONDALE, IL 62901
* $ 211,028,000 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 1 $ 81,000

The tables below break down 2014 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 2014

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
Home Purchase 595 $69,505,000 $116,000 $360,000 $60,000 $321,000
Refinancing 483 $50,799,000 $105,000 $400,000 $71,000 $540,000
Home Improvement 372 $11,802,000 $31,000 $375,000 $56,000 $457,000

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 1,247 $110,835,000 $88,000 $373,000 $65,000 $340,000
Not applicable 79 $8,916,000 $112,000 $283,000 $10,000 $289,000
Not Provided 75 $7,435,000 $99,000 $375,000 $73,000 $540,000
Asian 19 $2,205,000 $116,000 $400,000 $90,000 $289,000
Hispanic 15 $1,254,000 $83,000 $165,000 $57,000 $126,000
Black or African American 8 $945,000 $118,000 $237,000 $74,000 $147,000
American Indian or Alaskan Native 6 $409,000 $68,000 $190,000 $60,000 $163,000
Native Hawaiian or Other Pacific Islander 1 $107,000 $107,000 $107,000 $97,000 $97,000

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) 1,088 $89,212,000 $81,000 $400,000 $66,000 $457,000
FHA-insured (Federal Housing Administration) 222 $25,802,000 $116,000 $276,000 $51,000 $540,000
VA-guaranteed (Veterans Administration) 74 $9,993,000 $135,000 $295,000 $64,000 $170,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 66 $7,099,000 $107,000 $158,000 $36,000 $175,000

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 798 $72,650,000 $91,000 $400,000 $67,000 $294,000
Application Denied By Financial Institution 305 $23,069,000 $75,000 $375,000 $56,000 $540,000
Loan Purchased By The Institution 130 $15,227,000 $117,000 $276,000 $31,000 $289,000
Application Withdrawn By Applicant 120 $13,057,000 $108,000 $330,000 $80,000 $457,000
Application Approved But Not Accepted 80 $6,195,000 $77,000 $200,000 $59,000 $289,000
File Closed For Incompleteness 17 $1,908,000 $112,000 $232,000 $83,000 $174,000
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 77 $4,067,000 $52,000 $211,000 $53,000 $166,000
Debt-To-Income Ratio 37 $2,341,000 $63,000 $250,000 $35,000 $159,000
Collateral 24 $2,789,000 $116,000 $373,000 $82,000 $340,000
Other 10 $1,041,000 $104,000 $237,000 $87,000 $157,000
Credit Application Incomplete 7 $683,000 $97,000 $196,000 $55,000 $89,000
Employment History 4 $178,000 $44,000 $91,000 $35,000 $48,000
Unverifiable Information 2 $139,000 $69,000 $85,000 $31,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 1 $125,000 $125,000 $125,000 $48,000 $48,000
Mortgage Insurance Denied 1 $88,000 $88,000 $88,000 $40,000 $40,000

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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