Mortgage Lenders and Brokers in Binghamton, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Binghamton, New York mortgage lenders include M&T BankM&T Bank47 49 Front Street, Binghamton, NY 13905A+5.0 ★Texas Ratio: 4.11%, Nbt Bank NANbt Bank NA1256 Front St, Binghamton, NY 13901A+5.0 ★Texas Ratio: 3.43%, GHS Federal Credit UnionGHS Federal Credit Union910 Upper Front St, Binghamton, NY 13905 1337C-3.6 ★Texas Ratio: 31.42%, Keybank National AssociationKeybank National Association282 Main St, Binghamton, NY 13905A+5.0 ★Texas Ratio: 4.81%, Citizens Bank, NACitizens Bank, NA247 Main St, Binghamton, NY 13905A+5.0 ★Texas Ratio: 5.44%, Chemung Canal Trust CompanyChemung Canal Trust Company127 Court St, Binghamton, NY 13901A+5.0 ★Texas Ratio: 3.61%, Peoples Security Bank and Trust CompanyPeoples Security Bank and Trust Company24 Mary St, Binghamton, NY 13903A+5.0 ★Texas Ratio: 2.51%, Visions Federal Credit UnionVisions Federal Credit Union495 Court St, Binghamton, NY 13904 1801A+5.0 ★Texas Ratio: 5.30%, Community Bank, N.A.Community Bank, N.A.26 E Church St, Adams, NY 13605A+5.0 ★Texas Ratio: 3.83%, and Tompkins Community BankTompkins Community Bank604 Main St, Arcade, NY 14009A5.0 ★Texas Ratio: 6.37%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Binghamton, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Binghamton are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Binghamton, New York
Market share is the lender's share of all home loans closed in Binghamton, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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3 offices in Binghamton 47 49 Front Street, Binghamton, NY 13905 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 14 +14 HELOCs |
4.3% | 93.8% | $145,000 | View |
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2 offices in Binghamton 1256 Front St, Binghamton, NY 13901 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 7 +7 HELOCs |
2.2% | 90% | $119,285 | View |
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910 Upper Front St, Binghamton, NY 13905 1337 C-3.6 ★Texas Ratio: 31.42% |
Conventional | 7 | 2.2% | 63.6% | $56,428 | View |
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2 offices in Binghamton 282 Main St, Binghamton, NY 13905 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA | 4 | 1.2% | 100% | $107,500 | View |
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1 office in Binghamton 247 Main St, Binghamton, NY 13905 A+5.0 ★Texas Ratio: 5.44% |
FHA, HELOC | 1 +9 HELOCs |
0.3% | 50% | $85,000 | View |
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1 office in Binghamton 127 Court St, Binghamton, NY 13901 A+5.0 ★Texas Ratio: 3.61% |
Conventional | 1 | 0.3% | 50% | $235,000 | View |
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1 office in Binghamton 24 Mary St, Binghamton, NY 13903 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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495 Court St, Binghamton, NY 13904 1801 A+5.0 ★Texas Ratio: 5.30% |
Conventional, HELOC | 18 +53 HELOCs |
5.6% | 65.5% | $126,666 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 14 +2 HELOCs |
4.3% | 93.3% | $150,714 | View |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional | 12 | 3.7% | 100% | $150,000 | View |
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55 Exchange St, Binghamton, NY 13901 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 11 +26 HELOCs |
3.4% | 78.6% | $94,090 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 9 +1 HELOCs |
2.8% | 75% | $181,666 | View |
Tioga State Bank, N.A.
191 Conklin Ave, Binghamton, NY 13903 |
Conventional | 9 | 2.8% | 81.8% | $152,777 | |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 4 | 1.2% | 100% | $152,500 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 40% | $135,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional | 2 | 0.6% | 100% | $130,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 2 | 0.6% | 75% | $170,000 | View |
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3405 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.49% |
Conventional | 2 | 0.6% | 66.7% | $155,000 | View |
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5402 8th Ave, Brooklyn, NY 11220 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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6002 NY 31, Cicero, NY 13039 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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1973 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
FHA | 1 | 0.3% | 100% | $195,000 | View |
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180 N Main St, Alfred, NY 14802 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
FHA | 1 | 0.3% | 50% | $225,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.3% | 50% | $105,000 | View |
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1137 Upper Front St, Binghamton, NY 13905 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +14 HELOCs |
0% | 0% | ||
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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84 Canal St, Big Flats, NY 14814 8968 A+5.0 ★Texas Ratio: 3.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Homestead Funding Corp.
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Conventional, FHA, VA | 46 | 14.2% | 100% | $180,434 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 19 | 5.9% | 95% | $162,368 | |
Interstate Home Loan Center, Inc.
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Conventional | 4 | 1.2% | 100% | $197,500 | |
Premium Mortgage Corporation
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Conventional | 3 | 0.9% | 100% | $155,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 2 | 0.6% | 100% | $220,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 47 | 14.6% | 74.2% | $129,042 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA | 9 | 2.8% | 81.8% | $127,222 | View |
United Wholesale Mortgage
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Conventional, FHA | 8 | 2.5% | 72.7% | $163,750 | |
Absolute Home Mortgage
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Conventional, FHA | 8 | 2.5% | 88.9% | $156,250 | |
Newrez LLC
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Conventional, FHA | 6 | 1.9% | 54.5% | $136,666 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 1.9% | 60% | $86,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.9% | 75% | $371,666 | |
Guidance Residential, LLC
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Conventional | 3 | 0.9% | 100% | $228,333 | |
Discover Bank
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Conventional | 3 | 0.9% | 33.3% | $75,000 | |
Primelending
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Conventional | 2 | 0.6% | 100% | $55,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.6% | 100% | $230,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 66.7% | $365,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.6% | 100% | $80,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $205,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.3% | 50% | $235,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
American Financing Corporation
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FHA | 1 | 0.3% | 100% | $175,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.3% | 100% | $105,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 100% | $255,000 | |
Uif Corporation
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
New American Funding, LLC.
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FHA | 1 | 0.3% | 100% | $55,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.3% | 100% | $195,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.3% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.3% | 100% | $185,000 | View |
Star One Credit Union
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Conventional | 1 | 0.3% | 100% | $125,000 |
Binghamton Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Binghamton, New York
Looking for mortgage lenders near me or mortgage brokers near me in Binghamton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Binghamton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Binghamton, NY
Use these to narrow the list above. Each category shows how many Binghamton, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Binghamton, NY
Independent mortgage companies closed 55.7 percent of home loans in Binghamton, New York in 2025, banks 28.8 percent and credit unions 15.5 percent. United Mortgage Corp. was the largest mortgage company, M&T Bank the largest bank and GHS Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 14 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Binghamton, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Binghamton, New York with 14 loans, about 4.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Binghamton, New York in 2025, led by Homestead Funding Corp. with 13. 6 lenders closed VA loans, led by Homestead Funding Corp.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 27 banks and 13 credit unions closed home loans in Binghamton, New York in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Binghamton, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Binghamton, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Binghamton. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
