Chemung Canal Trust Company
Chemung Canal Trust Company received 379 applications in 2025 and made 275 mortgages, in 45 counties across 5 states. The median rate its borrowers got was 6.500% on a median loan of $195,000. Of 365 decisions, 55 were denials — 15.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WU17K1CLH8VI32 |
|---|---|
| Applications received | 379 |
| Mortgages made | 275 |
| Denied | 55 |
| Approved, not taken up | 35 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.233 points |
| FDIC-insured bank | Yes: Chemung Canal Trust Company, 30 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 167 | 6.500% | $225,000 | 5.6% |
| Refinancing | 12 | 6.057% | $1,375,000 | 23.5% |
| Cash-out refinancing | 49 | 6.625% | $175,000 | 22.5% |
| Other purposes | 47 | 6.625% | $65,000 | 30.4% |
Where Chemung Canal Trust Company lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chemung County, NY | 45 | 6.500% | 17.2% |
| Saratoga County, NY | 29 | 6.500% | 8.8% |
| Albany County, NY | 20 | 6.688% | 11.5% |
| Tioga County, NY | 18 | 6.750% | 17.4% |
| Tompkins County, NY | 18 | 6.735% | 0.0% |
| Rensselaer County, NY | 17 | 6.585% | 0.0% |
| Cayuga County, NY | 16 | 6.375% | 29.2% |
| Erie County, NY | 14 | 6.563% | 10.5% |
| Bradford County, PA | 14 | 6.500% | 6.3% |
| Steuben County, NY | 12 | 6.375% | 7.7% |
| Schenectady County, NY | 11 | 6.685% | 7.7% |
| Broome County, NY | 10 | 6.625% | 7.7% |
| Schuyler County, NY | 8 | Under 10 loans | 41.2% |
| Warren County, NY | 6 | Under 10 loans | 0.0% |
| Onondaga County, NY | 5 | Under 10 loans | 25.0% |
| Columbia County, NY | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Essex County, NY | 2 | Under 10 loans | 0.0% |
| Fulton County, NY | 2 | Under 10 loans | 33.3% |
| Otsego County, NY | 2 | Under 10 loans | 0.0% |
| Schoharie County, NY | 2 | Under 10 loans | 0.0% |
| Seneca County, NY | 2 | Under 10 loans | 40.0% |
| Yates County, NY | 2 | Under 10 loans | 0.0% |
| Susquehanna County, PA | 2 | Under 10 loans | 0.0% |
| Tioga County, PA | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, NY | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Ontario County, NY | 1 | Under 10 loans | 66.7% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Washington County, NY | 1 | Under 10 loans | 0.0% |
| Washington County, ME | 0 | Under 10 loans | Not published |
| Chenango County, NY | 0 | Under 10 loans | 100.0% |
| Cortland County, NY | 0 | Under 10 loans | 100.0% |
| Livingston County, NY | 0 | Under 10 loans | 100.0% |
| Madison County, NY | 0 | Under 10 loans | 100.0% |
| Niagara County, NY | 0 | Under 10 loans | Not published |
| Oswego County, NY | 0 | Under 10 loans | 50.0% |
| Sullivan County, NY | 0 | Under 10 loans | 100.0% |
| Wayne County, NY | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Chemung Canal Trust Company’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.