Mortgage lending in Chemung County
1,394 mortgages were originated in Chemung 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
- 1,394
- Median rate
- 6.500%
- Median lender fees
- $4,178
- Median loan amount
- $105,000
- Median spread over APOR
- 0.265
- Paid discount points
- 25.6%
- Received lender credits
- 18.8%
- Purchases / refinances
- 54.6% / 17.3%
- Conventional / FHA / VA
- 81.3% / 13.4% / 5.1%
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 67.6% 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 Chemung County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CORNING CREDIT UNION | 265 | $4,182 | 6.140% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 179 | — | 6.240% |
| MOVEMENT MORTGAGE, LLC | 164 | $6,002 | 6.625% |
| Rocket Mortgage, LLC | 82 | $5,888 | 6.813% |
| Visions Federal Credit Union | 64 | — | 7.250% |
| Community Bank, National Association | 62 | — | 7.240% |
| EVERETT FINANCIAL, INC. | 58 | $5,385 | 6.750% |
What lenders charged here
Lender fees on a $105,000 loan, based on what was actually charged in Chemung County — not a rule of thumb.
From 942 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