Mortgage lending in Elmira, NY
1,394 mortgages were originated in the Elmira, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $105,000
- Above the going rate (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.
Who lent here
Lenders with at least 50 loans in the Elmira, NY area, 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% |