Mortgage Lenders and Brokers in Elmira, New York
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Elmira, New York mortgage lenders include Chemung Canal Trust CompanyChemung Canal Trust Company1 Chemung Canal Plz, Elmira, NY 14901A+5.0 ★Texas Ratio: 3.61%, Community Bank, N.A.Community Bank, N.A.333 E Water St, Elmira, NY 14901A+5.0 ★Texas Ratio: 3.83%, Five Star BankFive Star Bank100 W Water St, Elmira, NY 14901A+5.0 ★Texas Ratio: 5.67%, M&T BankM&T Bank2490 Corning Rd, Elmira, NY 14903A+5.0 ★Texas Ratio: 4.11%, First Heritage Federal Credit UnionFirst Heritage Federal Credit Union1707 Cedar St, Elmira, NY 14904A+5.0 ★Texas Ratio: 2.80%, Empower Federal Credit UnionEmpower Federal Credit Union351 N Main St, Elmira, NY 14901A5.0 ★Texas Ratio: 7.78%, Alternatives Federal Credit UnionAlternatives Federal Credit Union125 N Fulton St, Ithaca, NY 14850 3301C3.8 ★Texas Ratio: 29.04%, Corning Credit UnionCorning Credit Union459 Philo Rd Rm 1227, Elmira, NY 14903 1051A+5.0 ★Texas Ratio: 3.26%, ServU Federal Credit UnionServU Federal Credit Union180 N Main St, Alfred, NY 14802A+5.0 ★Texas Ratio: 2.25%, and Visions Federal Credit UnionVisions Federal Credit Union303 N Main St, Elmira, NY 14901A+5.0 ★Texas Ratio: 5.30%. 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 Elmira, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elmira 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 Elmira, New York
Market share is the lender's share of all home loans closed in Elmira, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Elmira 1 Chemung Canal Plz, Elmira, NY 14901 A+5.0 ★Texas Ratio: 3.61% |
Conventional | 13 | 5.7% | 78.9% | $81,923 | View |
|
1 office in Elmira 333 E Water St, Elmira, NY 14901 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 10 +3 HELOCs |
4.4% | 62.5% | $53,000 | View |
|
1 office in Elmira 100 W Water St, Elmira, NY 14901 A+5.0 ★Texas Ratio: 5.67% |
Conventional, HELOC | 3 +1 HELOCs |
1.3% | 80% | $81,666 | View |
|
1 office in Elmira 2490 Corning Rd, Elmira, NY 14903 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +4 HELOCs |
0.9% | 66.7% | $60,000 | View |
|
1707 Cedar St, Elmira, NY 14904 A+5.0 ★Texas Ratio: 2.80% |
Conventional | 34 | 14.8% | 70.8% | $60,588 | View |
|
351 N Main St, Elmira, NY 14901 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 12 +6 HELOCs |
5.2% | 68.4% | $60,833 | View |
|
125 N Fulton St, Ithaca, NY 14850 3301 C3.8 ★Texas Ratio: 29.04% |
Conventional | 5 | 2.2% | 100% | $71,000 | View |
|
459 Philo Rd Rm 1227, Elmira, NY 14903 1051 A+5.0 ★Texas Ratio: 3.26% |
Conventional, HELOC | 4 +25 HELOCs |
1.7% | 76.9% | $132,500 | View |
|
180 N Main St, Alfred, NY 14802 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 4 | 1.7% | 100% | $70,000 | View |
|
303 N Main St, Elmira, NY 14901 A+5.0 ★Texas Ratio: 5.30% |
Conventional, HELOC | 3 +7 HELOCs |
1.3% | 40% | $101,666 | View |
|
6250 County Route 64, Hornell, NY 14843 A5.0 ★Texas Ratio: 10.85% |
Conventional | 3 | 1.3% | 100% | $101,666 | View |
|
★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional | 3 | 1.3% | 100% | $101,666 | View |
|
1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 100% | $110,000 | View |
|
1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $95,000 | View |
|
314 Main St, Andes, NY 13731 A5.0 ★Texas Ratio: 10.36% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
|
921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $75,000 | View |
ESL Federal Credit Union
4214 Veterans Memorial Dr, Batavia, NY 14020 |
FHA | 1 | 0.4% | 100% | $95,000 | |
|
10 S Main St, Wellsville, NY 14895 A5.0 ★Texas Ratio: 11.39% |
FHA | 1 | 0.4% | 100% | $155,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional | 1 | 0.4% | 33.3% | $115,000 | |
|
4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
1St Priority Mortgage, Inc.
|
Conventional, FHA, VA | 9 | 3.9% | 100% | $118,333 | |
Homestead Funding Corp.
|
FHA | 1 | 0.4% | 100% | $255,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.4% | 100% | $125,000 | |
Movement Mortgage, LLC
|
Conventional, FHA, VA | 42 | 18.3% | 86% | $121,190 | |
|
D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, HELOC | 23 +1 HELOCs |
10% | 100% | $110,652 | View |
Rocket Mortgage
|
Conventional, FHA, VA | 15 | 6.6% | 57.7% | $99,666 | |
American Financial Network, Inc.
|
Conventional, FHA, VA | 12 | 5.2% | 92.3% | $120,000 | |
Pike Creek Mortgage Services, Inc.
|
Conventional, FHA | 7 | 3.1% | 87.5% | $125,000 | |
Mortgage Research Center
|
Conventional, VA | 5 | 2.2% | 100% | $145,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.4% | 50% | $75,000 | |
Nbkc Bank
|
Conventional | 1 | 0.4% | 100% | $55,000 | |
Pennymac Loan Services LLC
|
FHA | 1 | 0.4% | 100% | $75,000 | |
Absolute Home Mortgage
|
Conventional | 1 | 0.4% | 100% | $85,000 | |
Credit Union Mortgage Associat
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.4% | 100% | $65,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 1 | 0.4% | 100% | $105,000 |
Elmira 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 Elmira, New York
Looking for mortgage lenders near me or mortgage brokers near me in Elmira? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elmira in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elmira, NY
Use these to narrow the list above. Each category shows how many Elmira, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Elmira, NY
Independent mortgage companies closed 52.8 percent of home loans in Elmira, New York in 2025, banks 18.8 percent and credit unions 28.4 percent. Better Mortgage Corporation was the largest mortgage company, Chemung Canal Trust Company the largest bank and First Heritage Federal Credit Union the largest credit union. Among lenders headquartered in New York, Chemung Canal Trust Company led with 13 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 Elmira, NY
By home loans closed in 2025, Chemung Canal Trust Company was the largest mortgage lender in Elmira, New York with 13 loans, about 5.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Elmira, New York in 2025, led by Movement Mortgage, LLC with 21. 5 lenders closed VA loans, led by Mortgage Research Center. 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. 14 banks and 9 credit unions closed home loans in Elmira, New York in 2025, alongside 15 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 Elmira, 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 Elmira, 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 Elmira. 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.
