New York · HMDA 2025
Mortgage lenders in Tioga County, NY
115 lenders reported 1,394 home-loan applications in Tioga County in 2025. 821 closed as loans ($120.7M), 243 were denied — a 22.3% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 31% of applications, led by Visions Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,394
- Loans originated
- 821
- Purchase / refinance
- 403 / 173
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Tioga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Visions Federal Credit Union 64 out of 100, Moderate | 250 | 17.9% | 32.6% |
| 2 | Tioga State Bank, N. A. | 96 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 88 | 6.3% | — |
| 4 | HOMESTEAD FUNDING CORP. | 66 | 4.7% | — |
| 5 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 64 | 4.6% | 32.9% |
| 6 | 21st Mortgage Corporation | 49 | 3.5% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 48 | 3.4% | — |
| 8 | Community Bank, National Association 62 out of 100, Moderate | 46 | 3.3% | 18.9% |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 43 | 3.1% | 32.5% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 38 | 2.7% | 14.1% |
| 11 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 37 | 2.7% | 12.5% |
| 12 | Empower Federal Credit Union 59 out of 100, Moderate | 30 | 2.2% | 17.2% |
| 13 | NBT Bank, National Association 64 out of 100, Moderate | 29 | 2.1% | 23.4% |
| 14 | Tompkins Community Bank 60 out of 100, Moderate | 28 | 2.0% | 19.9% |
| 15 | Broadview Federal Credit Union 59 out of 100, Moderate | 27 | 1.9% | 29.9% |
| 16 | NEWREZ LLC | 25 | 1.8% | — |
| 17 | Chemung Canal Trust Company 72 out of 100, Strong | 23 | 1.6% | 15.1% |
| 18 | 1ST PRIORITY MORTGAGE, INC. | 19 | 1.4% | — |
| 19 | Ingersoll-Rand Federal Credit Union 62 out of 100, Moderate | 16 | 1.1% | 14.5% |
| 20 | MOVEMENT MORTGAGE, LLC | 14 | 1.0% | — |
| 21 | Ixonia Bank 67 out of 100, Moderate | 14 | 1.0% | 4.7% |
| 22 | SEFCU SERVICES, LLC | 14 | 1.0% | — |
| 23 | Discover Bank | 13 | 0.9% | — |
| 24 | CFCU COMMUNITY Credit Union | 13 | 0.9% | — |
| 25 | Sidney Federal Credit Union 67 out of 100, Moderate | 11 | 0.8% | 13.9% |
| 26 | CORNING CREDIT UNION | 11 | 0.8% | — |
| 27 | EVERETT FINANCIAL, INC. | 11 | 0.8% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 0.7% | — |
| 29 | Loandepot.Com, LLC | 9 | 0.6% | — |
| 30 | Mortgage Research Center, LLC | 9 | 0.6% | — |
| 31 | PREMIUM MORTGAGE CORPORATION | 9 | 0.6% | — |
| 32 | PLANET HOME LENDING, LLC | 9 | 0.6% | — |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 9 | 0.6% | — |
| 34 | KeyBank National Association 63 out of 100, Moderate | 9 | 0.6% | 32.8% |
| 35 | ABSOLUTE HOME MORTGAGE CORPORATION | 8 | 0.6% | — |
| 36 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | 8 | 0.6% | — |
| 37 | PS Bank 83 out of 100, Strong | 8 | 0.6% | 8.9% |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.5% | 32.9% |
| 39 | AMERICAN FINANCING CORPORATION | 7 | 0.5% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 7 | 0.5% | — |
Top 40 of 115 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