Tioga County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,221 mortgage applications in Tioga County, NY totaling $154.5 million, down 25% from 2022. The average application was for $126,000, and applicants reported an average income of $95,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Visions Federal Credit Union, with 181 applications, followed by Tioga State Bank, N.A. and M&T Bank.

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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 1,221
Total Mortgage Loan Application Amount $154,535,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $1,125,000
Average Applicant Income $95,000
Highest Applicant Income $1,300,000

Mortgage Company List for Lending in Tioga County, NY for 2023

* 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
* $ 5,548,911,000 181 $ 16,155,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ 542,205,000 110 $ 12,670,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 90 $ 8,430,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 62 $ 6,890,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 56 $ 10,140,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 49 $ 5,725,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 46 $ 5,220,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 30 $ 1,970,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 2,439,371,000 29 $ 3,565,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 24 $ 3,780,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 7,999,108,000 23 $ 1,725,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 3,945,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 3,193,673,000 22 $ 1,670,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 22 $ 3,890,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 18 $ 4,390,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 17 $ 2,905,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 17 $ 2,695,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 16 $ 2,600,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 7,630,619,000 15 $ 2,915,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13053
* $ 232,470,000 15 $ 1,455,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,641,568,000 14 $ 960,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 2,785,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 12 $ 1,330,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 12 $ 800,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 11 $ 1,085,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 546,074,000 11 $ 1,325,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 11 $ 1,865,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 870,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,485,149,000 10 $ 930,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 1,495,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 9 $ 1,855,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 8 $ 1,270,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 8 $ 1,630,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 7 $ 1,975,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 7 $ 1,815,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 6 $ 1,050,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ 212,703,000 6 $ 920,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 790,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 815,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 5 $ 175,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 1,040,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 684,267,000 4 $ 450,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 4 $ 800,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 4 $ 620,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 580,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 3 $ 435,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 295,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 475,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 3 $ 245,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 595,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 3 $ 565,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 222,428,000 3 $ 125,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 3 $ 155,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 225,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ 792,493,000 3 $ 165,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 3 $ 565,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 2,329,851,000 3 $ 365,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 435,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 3 $ 145,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 2 $ 240,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 164,449,000 2 $ 140,000
Cayuga Lake National Bank
165 CAYUGA ST
UNION SPRINGS, NY 13160
* $ 257,690,000 2 $ 290,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 2 $ 470,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 2 $ 700,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 2 $ 370,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 2 $ 450,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 330,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 285,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 135,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 1 $ 145,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 155,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 1 $ 105,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 155,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 255,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 1 $ 95,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 1 $ 175,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 445,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 55,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 235,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 215,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 2,062,088,000 1 $ 135,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 155,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 35,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 3,553,618,000 1 $ 35,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ -1,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 25,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 1 $ 225,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 205,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 4,471,539,000 1 $ 45,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 215,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,753,561,000 1 $ 85,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 255,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 365,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 265,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 85,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 1 $ 75,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 95,000
Cliffco, Inc.
1065 OLD COUNTRY ROAD SUITE 204
UNIONDALE, NY 11553
* $ -1,000 1 $ 255,000

The tables below break down 2023 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 2023

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 683 $110,305,000 $161,000 $795,000 $91,000 $530,000
Home Improvement 209 $13,095,000 $62,000 $455,000 $112,000 $1,186,000
Other Purpose 137 $7,925,000 $57,000 $205,000 $85,000 $283,000
Cash-out Refinancing 106 $13,140,000 $123,000 $285,000 $89,000 $1,300,000
Refinancing 81 $9,665,000 $119,000 $1,125,000 $108,000 $617,000
Not Applicable 5 $405,000 $81,000 $135,000 $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 980 $120,720,000 $123,000 $745,000 $93,000 $1,186,000
Not Provided 119 $14,245,000 $119,000 $795,000 $110,000 $1,300,000
Not applicable 70 $13,110,000 $187,000 $1,125,000 $130,000 $192,000
Hispanic 19 $2,745,000 $144,000 $455,000 $85,000 $139,000
Black or African American 15 $1,635,000 $109,000 $285,000 $77,000 $153,000
Asian 9 $1,655,000 $183,000 $385,000 $120,000 $206,000
American Indian or Alaskan Native 5 $235,000 $47,000 $85,000 $41,000 $100,000
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) 1,003 $117,435,000 $117,000 $1,125,000 $98,000 $1,300,000
FHA-insured (Federal Housing Administration) 138 $22,660,000 $164,000 $365,000 $74,000 $265,000
VA-guaranteed (Veterans Administration) 67 $12,685,000 $189,000 $495,000 $84,000 $232,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 13 $1,755,000 $135,000 $165,000 $72,000 $98,000

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 664 $87,760,000 $132,000 $675,000 $102,000 $1,300,000
Application Denied By Financial Institution 249 $25,535,000 $102,000 $1,125,000 $82,000 $1,186,000
Application Withdrawn By Applicant 129 $15,135,000 $117,000 $455,000 $84,000 $372,000
Loan Purchased By The Institution 83 $15,635,000 $188,000 $445,000 $102,000 $245,000
File Closed For Incompleteness 52 $5,870,000 $112,000 $315,000 $98,000 $415,000
Application Approved But Not Accepted 44 $4,600,000 $104,000 $345,000 $82,000 $617,000
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
Not applicable 868 $117,990,000 $135,000 $675,000 $98,000 $1,300,000
Debt-To-Income Ratio 173 $19,955,000 $115,000 $1,125,000 $89,000 $417,000
Credit History 75 $5,675,000 $75,000 $345,000 $76,000 $203,000
Collateral 43 $4,505,000 $104,000 $355,000 $116,000 $1,186,000
Other 36 $2,840,000 $78,000 $215,000 $78,000 $298,000
Credit Application Incomplete 16 $2,180,000 $136,000 $215,000 $84,000 $165,000
Insufficient Cash (Downpayment, Closing Cost) 6 $870,000 $145,000 $195,000 $58,000 $87,000
Employment History 3 $345,000 $115,000 $135,000 $37,000 $59,000
Unverifiable Information 1 $175,000 $175,000 $175,000 $96,000 $96,000
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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