Mortgage lending in Binghamton, NY
3,743 mortgages were originated in the Binghamton, NY area in 2025, and here is what they cost.
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
- 3,743
- Median rate
- 6.750%
- Median lender fees
- $4,044
- Median loan amount
- $125,000
- Median spread over APOR
- 0.172
- Paid discount points
- 23.2%
- Received lender credits
- 15.4%
- Purchases / refinances
- 48.9% / 20.6%
- Conventional / FHA / VA
- 87.1% / 9.1% / 3.4%
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 55.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Binghamton, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Visions Federal Credit Union | 671 | $658 | 7.250% |
| HOMESTEAD FUNDING CORP. | 340 | $3,598 | 6.490% |
| Rocket Mortgage, LLC | 254 | $6,015 | 6.875% |
| Manufacturers and Traders Trust Company | 234 | $4,597 | 5.990% |
| Tioga State Bank, N. A. | 170 | — | — |
| Empower Federal Credit Union | 159 | $1,045 | 7.250% |
| Broadview Federal Credit Union | 147 | — | 6.250% |
| NBT Bank, National Association | 129 | — | 5.740% |
| Community Bank, National Association | 118 | — | 7.240% |
| 1ST PRIORITY MORTGAGE, INC. | 101 | $4,761 | 6.500% |