Mortgage lending in Broome County
2,919 mortgages were originated in Broome County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,919
- Median rate
- 6.750%
- Median lender fees
- $4,049
- Median loan amount
- $125,000
- Median spread over APOR
- 0.161
- Paid discount points
- 23.4%
- Received lender credits
- 15.4%
- Purchases / refinances
- 48.9% / 20.5%
- Conventional / FHA / VA
- 87.5% / 9.2% / 3.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 55.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Broome County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Visions Federal Credit Union | 526 | $666 | 7.250% |
| HOMESTEAD FUNDING CORP. | 281 | $3,539 | 6.490% |
| Rocket Mortgage, LLC | 197 | $6,060 | 6.875% |
| Manufacturers and Traders Trust Company | 194 | $4,585 | 5.990% |
| Empower Federal Credit Union | 144 | $2,076 | 7.250% |
| Broadview Federal Credit Union | 123 | — | 6.250% |
| NBT Bank, National Association | 108 | — | 5.740% |
| Tioga State Bank, N. A. | 88 | — | — |
| 1ST PRIORITY MORTGAGE, INC. | 86 | $4,697 | 6.500% |
| Community Bank, National Association | 84 | — | 7.240% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Broome County — not a rule of thumb.
From 1,615 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers