Mortgage lenders in Chemung County
1,394 mortgages were made in Chemung County, New York, in 2025, by 126 lenders. The median rate their borrowers got was 6.500% on a median loan of $105,000. Of 1,926 decisions, 424 were denials — 22.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CORNING CREDIT UNION | 265 | 6.140% | $75,000 | 16.6% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 179 | 6.240% | $65,000 | 23.1% |
| MOVEMENT MORTGAGE, LLC | 164 | 6.625% | $155,000 | 9.1% |
| Rocket Mortgage, LLC | 82 | 6.813% | $125,000 | 29.4% |
| Visions Federal Credit Union | 64 | 7.250% | $75,000 | 38.1% |
| Community Bank, National Association | 62 | 7.063% | $75,000 | 28.7% |
| EVERETT FINANCIAL, INC. | 58 | 6.625% | $135,000 | 6.4% |
| Chemung Canal Trust Company | 45 | 6.500% | $105,000 | 17.2% |
| Empower Federal Credit Union | 39 | 7.250% | $65,000 | 19.6% |
| Manufacturers and Traders Trust Company | 34 | 5.990% | $65,000 | 30.6% |
| SERVU FEDERAL CREDIT UNION | 32 | Not published | $65,000 | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 30 | 6.933% | $135,000 | 6.3% |
| Mortgage Research Center, LLC | 24 | 6.750% | $170,000 | 7.7% |
| CITIZENS & NORTHERN BANK | 21 | 7.250% | $125,000 | 8.7% |
| 1ST PRIORITY MORTGAGE, INC. | 20 | 6.438% | $140,000 | 16.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 20 | 6.495% | $165,000 | 4.8% |
| Tompkins Community Bank | 13 | 6.625% | $135,000 | 0.0% |
| Five Star Bank | 10 | 7.000% | $80,000 | 15.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 7.500% | $65,000 | 9.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 6.750% | $145,000 | 9.1% |
| Tioga State Bank, N. A. | 10 | Not published | $110,000 | 16.7% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Alternatives Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 77.3% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 69.2% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ingersoll-Rand Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 72.7% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broadview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 0 | Under 10 loans | Under 10 loans | Not published |
| Horizon Farm Credit, ACA | 0 | Under 10 loans | Under 10 loans | Not published |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| CNB Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Chemung County
13 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Chemung Canal Trust Company | 6 | $799.6 million |
| Community Bank, National Association | 3 | $324.5 million |
| Five Star Bank | 2 | $172.4 million |
| Manufacturers and Traders Trust Company | 1 | $33.7 million |
| Woodforest National Bank | 1 | $2.2 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 333 E Water St, Elmira
- Community Bank, National Association, 971 County Road 64, Elmira
- Tioga State Bank National Association, 6 Main St, Van Etten
Get told when this changes
When the next year’s lending figures are out for Chemung County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.