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2024 data HMDA 2024 disclosure official source

Tioga County

1,214 mortgage applications, 20.1% denial rate. Verify FIPS 36107 with U.S. Census Bureau →

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New York · FIPS 36107

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.

FIPS 36107 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,214
Applications
655
Originated
20.1%
Denial Rate
54.0%
Approval Rate
$138,517
Avg Loan Amount
7.29%
Avg Interest Rate
$36K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Tioga County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Visions Federal Credit Union vs Tioga State Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Tioga County?
In the 2024 HMDA reporting year, 1,214 mortgage applications were filed in Tioga County, New York. Of these, 655 were originated (approved and funded), while 244 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Tioga County?
The mortgage denial rate in Tioga County is 20.1%. The approval (origination) rate is 54.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Tioga County?
The average mortgage loan amount in Tioga County is $138,517. The average interest rate is 7.289%. The average applicant income is $36K.
What is the loan-to-income ratio in Tioga County?
The average loan-to-income ratio in Tioga County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Tioga County?
The top mortgage lenders in Tioga County by origination volume are Visions Federal Credit Union, Tioga State Bank, N.A., Homestead Funding Corp.. In total, 85 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.