New York · HMDA 2025
Mortgage lenders in Chemung County, NY
126 lenders reported 2,392 home-loan applications in Chemung County in 2025. 1,394 closed as loans ($185.1M), 424 were denied — a 22.0% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 37% of applications, led by CORNING CREDIT UNION. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,392
- Loans originated
- 1,394
- Purchase / refinance
- 761 / 241
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Chemung County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CORNING CREDIT UNION | 408 | 17.1% | — |
| 2 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 262 | 11.0% | 24.0% |
| 3 | MOVEMENT MORTGAGE, LLC | 215 | 9.0% | — |
| 4 | Rocket Mortgage, LLC | 136 | 5.7% | — |
| 5 | Visions Federal Credit Union 64 out of 100, Moderate | 129 | 5.4% | 32.6% |
| 6 | Community Bank, National Association 62 out of 100, Moderate | 101 | 4.2% | 18.9% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 83 | 3.5% | — |
| 8 | EVERETT FINANCIAL, INC. | 70 | 2.9% | — |
| 9 | Chemung Canal Trust Company 72 out of 100, Strong | 65 | 2.7% | 15.1% |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 63 | 2.6% | 32.9% |
| 11 | Empower Federal Credit Union 59 out of 100, Moderate | 54 | 2.3% | 17.2% |
| 12 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 42 | 1.8% | 12.8% |
| 13 | AMERICAN FINANCIAL NETWORK, INC. | 40 | 1.7% | — |
| 14 | Mortgage Research Center, LLC | 36 | 1.5% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 1.3% | 14.1% |
| 16 | 21st Mortgage Corporation | 31 | 1.3% | — |
| 17 | 1ST PRIORITY MORTGAGE, INC. | 29 | 1.2% | — |
| 18 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 28 | 1.2% | 12.5% |
| 19 | PIKE CREEK MORTGAGE SERVICES, INC. | 27 | 1.1% | — |
| 20 | NEWREZ LLC | 25 | 1.0% | — |
| 21 | Citizens Bank, National Association 54 out of 100, Below average | 24 | 1.0% | 32.5% |
| 22 | NATIONSTAR MORTGAGE LLC | 21 | 0.9% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 0.8% | 32.9% |
| 24 | Five Star Bank 66 out of 100, Moderate | 17 | 0.7% | 12.7% |
| 25 | Loandepot.Com, LLC | 16 | 0.7% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 15 | 0.6% | — |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 15 | 0.6% | — |
| 28 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 0.6% | — |
| 29 | Discover Bank | 14 | 0.6% | — |
| 30 | PLANET HOME LENDING, LLC | 14 | 0.6% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 14 | 0.6% | — |
| 32 | Ixonia Bank 67 out of 100, Moderate | 14 | 0.6% | 4.7% |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 13 | 0.5% | 44.7% |
| 34 | Tompkins Community Bank 60 out of 100, Moderate | 13 | 0.5% | 19.9% |
| 35 | Loan Funder LLC | 13 | 0.5% | — |
| 36 | Tioga State Bank, N. A. | 13 | 0.5% | — |
| 37 | PNC Bank, National Association 62 out of 100, Moderate | 11 | 0.5% | 33.8% |
| 38 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 11 | 0.5% | 74.7% |
| 39 | AMERICU Credit Union 48 out of 100, Below average | 10 | 0.4% | 28.4% |
| 40 | VELOCITY COMMERCIAL CAPITAL, LLC | 8 | 0.3% | — |
Top 40 of 126 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps