Tioga County, NY Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,214 mortgage applications in Tioga County, NY totaling $168.2 million, down 1% from 2023. The average application was for $138,000, and applicants reported an average income of $100,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Visions Federal Credit Union, with 209 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 1,214
Total Mortgage Loan Application Amount $168,160,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $1,545,000
Average Applicant Income $100,000
Highest Applicant Income $7,368,000

Mortgage Company List for Lending in Tioga County, NY for 2024

* 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
* $ n/a 209 $ 18,425,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ n/a 71 $ 8,785,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 65 $ 6,895,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 58 $ 11,530,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 54 $ 6,310,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 54 $ 7,920,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ n/a 38 $ 5,630,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 30 $ 5,420,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 23 $ 2,255,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 23 $ 3,045,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 22 $ 1,710,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ n/a 18 $ 3,400,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 18 $ 1,880,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 18 $ 1,600,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 17 $ 2,275,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 16 $ 3,310,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 16 $ 3,270,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 16 $ 1,550,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 15 $ 2,795,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ n/a 15 $ 2,025,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 14 $ 3,220,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 14 $ 2,490,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ n/a 14 $ 1,040,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 14 $ 1,170,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 14 $ 2,900,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 13 $ 2,195,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 12 $ 2,380,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 12 $ 1,990,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 10 $ 1,890,000
Ingersoll-Rand Federal Credit Union
199 N MAIN STREET
ATHENS, PA 18810
* $ n/a 10 $ 560,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ n/a 10 $ 960,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ n/a 9 $ 925,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ n/a 9 $ 855,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 7 $ 1,665,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 7 $ 755,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13053
* $ n/a 7 $ 845,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 7 $ 525,000
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 7 $ 1,175,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 6 $ 1,410,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ n/a 5 $ 1,365,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 5 $ 1,495,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 5 $ 465,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 5 $ 4,165,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 685,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ n/a 5 $ 1,125,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 4 $ 610,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 590,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 650,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 1,220,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 4 $ 650,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 4 $ 240,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ n/a 4 $ 570,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 710,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 3 $ 315,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 535,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 3 $ 115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 305,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 835,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ n/a 3 $ 585,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 3 $ 555,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 465,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 3 $ 365,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 3 $ 825,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 755,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ n/a 3 $ 505,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ n/a 2 $ 330,000
Cliffco, Inc.
1065 OLD COUNTRY ROAD SUITE 204
UNIONDALE, NY 11553
* $ n/a 2 $ 430,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 100,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 130,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 2 $ 260,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ n/a 2 $ 140,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 2 $ 220,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ n/a 2 $ 80,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 320,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 2 $ 90,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 2 $ 1,710,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 360,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 85,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 125,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 1 $ 65,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 95,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 155,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 1 $ 155,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 175,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ n/a 1 $ 295,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 105,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ n/a 1 $ 25,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ n/a 1 $ 175,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ n/a 1 $ 55,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 235,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 1 $ 155,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 1 $ 105,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ n/a 1 $ 205,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ n/a 1 $ 125,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ n/a 1 $ 195,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ n/a 1 $ 105,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 145,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ n/a 1 $ 135,000
Cayuga Lake National Bank
165 CAYUGA ST
UNION SPRINGS, NY 13160
* $ n/a 1 $ 125,000
Corporate America Family CU
2445 ALFT LANE
ELGIN, IL 60123
* $ n/a 1 $ 25,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ n/a 1 $ 245,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 1 $ 255,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 285,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 195,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 235,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ n/a 1 $ 155,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 125,000
Midamerica National Bank
100 W ELM ST
CANTON, IL 61520
* $ n/a 1 $ 125,000
Silver Hill Funding
4425 PONCE DE LEON BLVD
CORAL GABLES, FL 33146
* $ n/a 1 $ 385,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 165,000

The tables below break down 2024 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 2024

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 674 $115,690,000 $171,000 $615,000 $91,000 $432,000
Home Improvement 217 $14,635,000 $67,000 $255,000 $137,000 $7,368,000
Other Purpose 131 $12,255,000 $93,000 $1,545,000 $100,000 $856,000
Cash-out Refinancing 110 $16,240,000 $147,000 $1,265,000 $84,000 $240,000
Refinancing 79 $9,185,000 $116,000 $655,000 $93,000 $834,000
Not Applicable 3 $155,000 $51,000 $95,000 $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 929 $118,965,000 $128,000 $655,000 $102,000 $7,368,000
Not Provided 126 $18,190,000 $144,000 $1,265,000 $89,000 $254,000
Not applicable 92 $20,230,000 $219,000 $1,545,000 $58,000 $69,000
Hispanic 28 $3,050,000 $108,000 $275,000 $85,000 $225,000
Asian 19 $4,555,000 $239,000 $405,000 $124,000 $432,000
Black or African American 16 $2,390,000 $149,000 $285,000 $96,000 $425,000
American Indian or Alaskan Native 3 $555,000 $185,000 $245,000 $43,000 $48,000
Native Hawaiian or Other Pacific Islander 1 $225,000 $225,000 $225,000 $236,000 $236,000

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) 1,007 $131,245,000 $130,000 $1,545,000 $104,000 $7,368,000
FHA-insured (Federal Housing Administration) 138 $22,150,000 $160,000 $355,000 $72,000 $236,000
VA-guaranteed (Veterans Administration) 61 $13,505,000 $221,000 $615,000 $90,000 $336,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,260,000 $157,000 $185,000 $81,000 $96,000

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 655 $91,595,000 $139,000 $655,000 $102,000 $834,000
Application Denied By Financial Institution 244 $26,890,000 $110,000 $1,125,000 $72,000 $408,000
Application Withdrawn By Applicant 142 $21,900,000 $154,000 $1,545,000 $147,000 $7,368,000
Loan Purchased By The Institution 85 $16,615,000 $195,000 $615,000 $128,000 $432,000
File Closed For Incompleteness 49 $6,555,000 $133,000 $1,265,000 $104,000 $856,000
Application Approved But Not Accepted 36 $3,880,000 $107,000 $235,000 $63,000 $150,000
Preapproval Approved but not Accepted 3 $725,000 $241,000 $365,000 $145,000 $195,000
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 890 $132,170,000 $148,000 $1,545,000 $109,000 $7,368,000
Debt-To-Income Ratio 154 $16,490,000 $107,000 $425,000 $72,000 $367,000
Credit History 70 $6,800,000 $97,000 $375,000 $72,000 $236,000
Collateral 50 $7,000,000 $140,000 $1,125,000 $92,000 $339,000
Other 35 $3,615,000 $103,000 $615,000 $93,000 $408,000
Insufficient Cash (Downpayment, Closing Cost) 6 $910,000 $151,000 $275,000 $101,000 $150,000
Credit Application Incomplete 5 $655,000 $131,000 $195,000 $52,000 $70,000
Employment History 2 $240,000 $120,000 $125,000 $31,000 $33,000
Unverifiable Information 2 $280,000 $140,000 $245,000 $78,000 $85,000
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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