Mortgage lending in Broome County, New York
Lenders in Broome County, New York reported 4,823 mortgage applications for 2025, according to the CFPB.
4,823 mortgage applications and 2,919 loans originated in 2025; the denial rate was 23.9% of 4,008 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Binghamton, NY MSA.
- 4,823
- Applications
- 2,919
- Loans originated
- 23.9%
- Denial rate
- 959 denied of 4,008 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,823 | 2,919 |
| 2024 | 4,263 | 2,642 |
| 2023 | 4,220 | 2,423 |
| 2022 | 5,617 | 3,420 |
| 2021 | 6,785 | 4,385 |
| 2020 | 5,587 | 3,489 |
| 2019 | 4,909 | 3,065 |
| 2018 | 4,940 | 3,119 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Visions Federal Credit Union | 526 | 950 |
| Homestead Funding Corp. | 281 | 329 |
| Rocket Mortgage | 197 | 298 |
| M&T Bank | 194 | 324 |
| Empower Federal Credit Union | 144 | 207 |
| Broadview Federal Credit Union | 123 | 210 |
| NBT Bank NA | 108 | 169 |
| Tioga State Bank, N.A. | 88 | 108 |
| 1ST Priority Mortgage, Inc. | 86 | 106 |
| Community Bank, N.A. | 84 | 103 |
| Citizens Bank, NA | 78 | 172 |
| Everett Financial, Inc. | 60 | 77 |
| Tompkins Community Bank | 56 | 65 |
| Sidney Federal Credit Union | 50 | 73 |
| United Wholesale Mortgage | 40 | 63 |
| JPMorgan Chase Bank, NA | 36 | 60 |
| SEFCU Services, LLC | 35 | 41 |
| GHS Federal Credit Union | 34 | 36 |
| Absolute Home Mortgage | 30 | 46 |
| loanDepot.com LLC | 26 | 40 |
| Premium Mortgage Corporation | 22 | 26 |
| Keybank National Association | 22 | 36 |
| Navy Federal Credit Union | 20 | 50 |
| Mortgage Research Center | 20 | 31 |
| Champions Funding, LLC | 20 | 33 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | 390 | 23.6% of 305 decided |
| Black or African American | 222 | 37.6% of 173 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,312 | 21.7% of 2,845 decided |
| 2 or more minority races | 15 | no rate: base under 50 |
| Joint | 83 | 25.8% of 66 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 783 | 30.1% of 592 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 159 | 28.7% of 136 decided |
| Not Hispanic or Latino | 3,788 | 22.9% of 3,229 decided |
| Joint | withheld | |
| Ethnicity Not Available | 816 | 28.4% of 599 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,733 | 26.1% of 1,450 decided |
| Female | 1,300 | 24.6% of 1,080 decided |
| Joint | 1,301 | 17.4% of 1,125 decided |
| Sex Not Available | 489 | 33.7% of 353 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2422 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved