Tioga County, NY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,485 mortgage applications in Tioga County, NY totaling $163.3 million, down 1% from 2018. The average application was for $109,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was Visions Federal Credit Union, with 268 applications, followed by Tioga State Bank and M&T Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,485
Total Mortgage Loan Application Amount $163,295,000
Average Mortgage Loan Application Amount $109,000
Highest Mortgage Loan Application Amount $1,805,000
Average Applicant Income $79,000
Highest Applicant Income $850,000

Mortgage Company List for Lending in Tioga County, NY for 2019

* 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
* $ 4,187,734,000 268 $ 26,060,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 483,741,000 136 $ 14,950,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 98 $ 8,420,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 54 $ 6,200,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,412,127,000 52 $ 4,660,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 48 $ 4,710,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,492,332,000 47 $ 3,845,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,276,156,000 45 $ 4,235,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 42 $ 6,960,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 34 $ 3,630,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 32 $ 4,420,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,751,794,000 32 $ 3,020,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 590,217,000 30 $ 3,690,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 30 $ 4,090,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 24 $ 3,170,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,062,789,000 23 $ 2,425,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 21 $ 1,375,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 19 $ 2,335,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 17 $ 2,495,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 15 $ 1,445,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 2,355,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 15 $ 2,505,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 14 $ 1,750,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 1,740,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,755,479,000 14 $ 1,010,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,429,553,000 11 $ 1,505,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 11 $ 1,335,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 11 $ 1,895,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 11 $ 1,575,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 11 $ 1,235,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,170,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 2,111,175,000 10 $ 2,400,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 371,119,000 9 $ 445,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,802,931,000 9 $ 815,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13045
* $ 169,762,000 8 $ 660,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 468,661,000 7 $ 575,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 965,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 655,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,408,923,000 7 $ 605,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 680,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 6 $ 400,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 5 $ 595,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 845,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 695,000
Horizons Federal Credit Union
120 MAIN ST
BINGHAMTON, NY 13905
* $ 109,921,000 5 $ 405,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 185,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 425,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 997,388,000 4 $ 560,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 4 $ 340,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 144,192,000 3 $ 225,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 3 $ 395,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 3 $ 345,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 315,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 3 $ 155,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 335,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 425,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 3 $ 665,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 315,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 3 $ 575,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 230,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 297,303,000 2 $ 210,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 2 $ 260,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 170,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 60,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 2 $ 150,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 230,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 260,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 2 $ 170,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 25,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 65,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 1 $ 175,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 215,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 305,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 45,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 225,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 75,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 205,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 125,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 45,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 125,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 901,881,000 1 $ 55,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 4,272,439,000 1 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 65,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 1 $ 15,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 145,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 145,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 65,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 1 $ 175,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,081,698,000 1 $ 85,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ 182,939,000 1 $ 25,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 1 $ 45,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 8,400,747,000 1 $ 205,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 175,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 85,000
Fidelity Deposit & Discount Bank
101 N BLAKELY ST
SCRANTON, PA 18512
* $ 983,134,000 1 $ 25,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,578,708,000 1 $ 65,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ 308,228,000 1 $ 155,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 155,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 195,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 109,478,000 1 $ 105,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 155,000

The tables below break down 2019 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 2019

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 752 $97,300,000 $129,000 $1,805,000 $78,000 $458,000
Refinancing 237 $27,285,000 $115,000 $445,000 $79,000 $277,000
Cash-out Refinancing 192 $21,480,000 $111,000 $425,000 $81,000 $358,000
Other Purpose 144 $7,340,000 $50,000 $205,000 $82,000 $850,000
Home Improvement 138 $8,000,000 $57,000 $405,000 $78,000 $255,000
Not Applicable 22 $1,890,000 $85,000 $165,000 $0 $0

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 1,223 $129,735,000 $106,000 $545,000 $78,000 $507,000
Not applicable 112 $15,340,000 $136,000 $1,805,000 $76,000 $159,000
Not Provided 110 $13,000,000 $118,000 $295,000 $83,000 $850,000
Hispanic 16 $2,520,000 $157,000 $335,000 $102,000 $180,000
American Indian or Alaskan Native 11 $1,255,000 $114,000 $215,000 $70,000 $101,000
Asian 7 $975,000 $139,000 $325,000 $140,000 $278,000
Black or African American 4 $270,000 $67,000 $125,000 $51,000 $72,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 1,099 $112,815,000 $102,000 $1,805,000 $82,000 $850,000
FHA-insured (Federal Housing Administration) 244 $30,070,000 $123,000 $265,000 $67,000 $458,000
VA-guaranteed (Veterans Administration) 113 $17,285,000 $152,000 $335,000 $72,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,125,000 $107,000 $245,000 $50,000 $92,000

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 848 $94,450,000 $111,000 $545,000 $82,000 $507,000
Application Denied By Financial Institution 260 $24,410,000 $93,000 $1,805,000 $66,000 $850,000
Application Withdrawn By Applicant 147 $17,625,000 $119,000 $445,000 $84,000 $255,000
Loan Purchased By The Institution 130 $17,050,000 $131,000 $365,000 $89,000 $300,000
Application Approved But Not Accepted 60 $5,990,000 $99,000 $235,000 $77,000 $358,000
File Closed For Incompleteness 39 $3,555,000 $91,000 $245,000 $64,000 $160,000
Preapproval Approved but not Accepted 1 $215,000 $215,000 $215,000 $63,000 $63,000
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
Not applicable 1,099 $126,535,000 $115,000 $545,000 $82,000 $507,000
Debt-To-Income Ratio 188 $19,080,000 $101,000 $1,805,000 $69,000 $251,000
Credit History 84 $6,390,000 $76,000 $205,000 $60,000 $153,000
Collateral 66 $6,630,000 $100,000 $265,000 $83,000 $850,000
Credit Application Incomplete 16 $1,930,000 $120,000 $235,000 $72,000 $176,000
Other 14 $1,460,000 $104,000 $285,000 $54,000 $112,000
Unverifiable Information 8 $620,000 $77,000 $125,000 $126,000 $230,000
Insufficient Cash (Downpayment, Closing Cost) 5 $325,000 $65,000 $145,000 $49,000 $82,000
Mortgage Insurance Denied 3 $225,000 $75,000 $105,000 $54,000 $65,000
Employment History 2 $100,000 $50,000 $75,000 $46,000 $72,000

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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