Mortgage lending in Tioga County, New York
Lenders in Tioga County, New York reported 1,274 mortgage applications for 2025, according to the CFPB.
1,274 mortgage applications and 821 loans originated in 2025; the denial rate was 22.3% of 1,088 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.
- 1,274
- Applications
- 821
- Loans originated
- 22.3%
- Denial rate
- 243 denied of 1,088 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,274 | 821 |
| 2024 | 1,126 | 655 |
| 2023 | 1,139 | 664 |
| 2022 | 1,513 | 932 |
| 2021 | 1,872 | 1,247 |
| 2020 | 1,513 | 985 |
| 2019 | 1,355 | 848 |
| 2018 | 1,386 | 883 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Visions Federal Credit Union | 145 | 250 |
| Tioga State Bank, N.A. | 82 | 96 |
| Homestead Funding Corp. | 59 | 66 |
| Rocket Mortgage | 57 | 86 |
| M&T Bank | 40 | 63 |
| Community Bank, N.A. | 34 | 46 |
| Tompkins Community Bank | 25 | 28 |
| Citizens & Northern Bank | 24 | 37 |
| Broadview Federal Credit Union | 24 | 27 |
| NBT Bank NA | 21 | 28 |
| Chemung Canal Trust Company | 18 | 23 |
| Empower Federal Credit Union | 15 | 30 |
| 1ST Priority Mortgage, Inc. | 15 | 19 |
| Ingersoll-Rand Federal Credit Union | 15 | 16 |
| Ixonia Bank | 14 | 14 |
| Citizens Bank, NA | 14 | 26 |
| SEFCU Services, LLC | 12 | 14 |
| Premium Mortgage Corporation | 9 | 9 |
| 21ST Mortgage | 9 | 49 |
| Everett Financial, Inc. | 9 | 11 |
| Beginnings Credit Union | 9 | 13 |
| Sidney Federal Credit Union | 8 | 11 |
| loanDepot.com LLC | 8 | 9 |
| Absolute Home Mortgage | 7 | 8 |
| Movement Mortgage, LLC | 7 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 17 | no rate: base under 50 |
| Black or African American | 15 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,071 | 20.4% of 933 decided |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 150 | 36.9% of 111 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 31 | no rate: base under 50 |
| Not Hispanic or Latino | 1,042 | 20.4% of 913 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 182 | 32.6% of 132 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 432 | 24.9% of 370 decided |
| Female | 307 | 27.1% of 262 decided |
| Joint | 441 | 14.4% of 388 decided |
| Sex Not Available | 94 | 35.3% of 68 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. 2427 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