Tioga State Bank, N.A.
Spencer, NY
Tioga State Bank, N.A. processed 279 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 216 loans with a 12.9% denial rate. Home Purchase was the primary loan purpose. Based in Spencer, NY. The approval rate of 77.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Tioga State Bank, N.A. processed 279 HMDA-reported mortgage applications in 2024, originating 216 loans and denying 36 for a denial rate of 12.9% (applicants themselves withdrew 18 files before a decision). The average loan amount was $191,022. The lender reports under LEI 5493002PHB6PE87OB729 from Spencer, NY.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Tioga State Bank, N.A.'s 77.4% origination rate tells you how often an application turned into funded money; the 12.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (279 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 279 | 216 | 36 | $191,022 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Tioga State Bank, N.A. (LEI: 5493002PHB6PE87OB729) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 178 | 139 | $213,258 |
| Home Improvement | 44 | 34 | $127,500 |
| Refinancing | 33 | 22 | $251,364 |
| Other | 24 | 21 | $59,583 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 211 | 84.8% | 7.1% |
| Asian | 5 | 80.0% | 20.0% |
| Black or African American | 4 | 50.0% | 50.0% |
| Joint | 2 | 100.0% | 0.0% |
| 2 or more minority races | 1 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 221 | 84.6% | 7.7% |
| Hispanic or Latino | 3 | 66.7% | 33.3% |
Nearby Lenders in NY
Other HMDA-reporting lenders in NY with similar activity. Compare any two side-by-side.
Citibank, NA
New York, NY
M&T BANK
BUFFALO, NY
Loan Funder LLC
New York, NY
BETHPAGE FEDERAL CREDIT UNION
BETHPAGE, NY
Better Mortgage Corporation
New York, NY
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.