Mortgage lending in Chenango County
697 mortgages were originated in Chenango 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
- 697
- Median rate
- 6.600%
- Median lender fees
- $3,810
- Median loan amount
- $105,000
- Median spread over APOR
- 0.242
- Paid discount points
- 21.8%
- Received lender credits
- 19.8%
- Purchases / refinances
- 47.1% / 22.4%
- Conventional / FHA / VA
- 84.6% / 10.9% / 3.6%
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 65.4% 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 Chenango County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| NBT Bank, National Association | 134 | — | 5.625% |
| Sidney Federal Credit Union | 124 | $509 | 6.625% |
| Rocket Mortgage, LLC | 68 | $5,461 | 6.750% |
What lenders charged here
Lender fees on a $105,000 loan, based on what was actually charged in Chenango County — not a rule of thumb.
From 456 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