Mortgage lending in Chemung County, New York
Lenders in Chemung County, New York reported 2,222 mortgage applications for 2025, according to the CFPB.
2,222 mortgage applications and 1,394 loans originated in 2025; the denial rate was 22.0% of 1,926 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Elmira, NY MSA.
- 2,222
- Applications
- 1,394
- Loans originated
- 22.0%
- Denial rate
- 424 denied of 1,926 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,222 | 1,394 |
| 2024 | 2,044 | 1,352 |
| 2023 | 2,085 | 1,326 |
| 2022 | 2,635 | 1,734 |
| 2021 | 3,126 | 2,191 |
| 2020 | 3,012 | 2,137 |
| 2019 | 2,543 | 1,726 |
| 2018 | 2,408 | 1,578 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Corning Credit Union | 265 | 408 |
| First Heritage Federal Credit Union | 179 | 262 |
| Movement Mortgage, LLC | 164 | 215 |
| Rocket Mortgage | 82 | 129 |
| Visions Federal Credit Union | 64 | 129 |
| Community Bank, N.A. | 62 | 101 |
| Everett Financial, Inc. | 58 | 70 |
| Chemung Canal Trust Company | 45 | 65 |
| Empower Federal Credit Union | 39 | 54 |
| M&T Bank | 34 | 60 |
| ServU Federal Credit Union | 32 | 42 |
| American Financial Network, Inc. | 30 | 40 |
| Mortgage Research Center | 24 | 36 |
| Citizens & Northern Bank | 21 | 28 |
| Pike Creek Mortgage Services, Inc. | 20 | 27 |
| 1ST Priority Mortgage, Inc. | 20 | 28 |
| Tompkins Community Bank | 13 | 13 |
| Tioga State Bank, N.A. | 10 | 13 |
| Five Star Bank | 10 | 17 |
| United Wholesale Mortgage | 10 | 14 |
| Crosscountry Mortgage, LLC | 10 | 15 |
| Ixonia Bank | 9 | 14 |
| Citizens Bank, NA | 9 | 17 |
| Pennymac Loan Services LLC | 9 | 15 |
| Loan Funder LLC | 8 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 24 | no rate: base under 50 |
| Black or African American | 85 | 38.0% of 71 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,796 | 20.5% of 1,584 decided |
| 2 or more minority races | under 10 | |
| Joint | 29 | no rate: base under 50 |
| Race Not Available | 266 | 26.8% of 205 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 54 | no rate: base under 50 |
| Not Hispanic or Latino | 1,843 | 21.6% of 1,629 decided |
| Joint | 32 | no rate: base under 50 |
| Ethnicity Not Available | 293 | 24.1% of 224 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 794 | 22.0% of 681 decided |
| Female | 584 | 27.2% of 519 decided |
| Joint | 663 | 16.5% of 588 decided |
| Sex Not Available | 181 | 26.1% of 138 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. 2711 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