Tioga County
New York · FIPS 36107
According to CFPB HMDA 2024 application volume among U.S. counties, Tioga County ranks #1,262 of 3,210, and #48 of 62 in New York.
Mortgage lending activity in Tioga County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Tioga County, New York saw 1,214 HMDA-reported mortgage applications in 2024. Lenders originated 655 of those loans and denied 244, producing a denial rate of 20.1% and an approval (origination) rate of 54.0%. The average loan amount was $138,517 at an average note rate of 7.29%, with applicants self-reporting average annual income of $36K. 85 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Tioga County
In Tioga County, lead originator Visions Federal Credit Union funded 15.9% of 655 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Tioga County's 1,214 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tioga County's $138,517 average loan (deduped against volume peers).
Lenders active in Tioga County
Visions Federal Credit Union funded 104 of the 655 loans originated in Tioga County, 15.9% of the county. 85 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Visions Federal Credit Union | 104 | 15.9% |
| 2 | Tioga State Bank, N.A. | 64 | 9.8% |
| 3 | Homestead Funding Corp. | 48 | 7.3% |
| 4 | Rocket Mortgage | 43 | 6.6% |
| 5 | Community Bank, N.A. | 35 | 5.3% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Tioga County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Tioga County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.