A jump in Ithaca
In Ithaca its share rose to 2.9% from 0.6%, making it 11 of 102 lenders; Tompkins Bank & Trust led. In Albany-Schenectady-Troy, its largest market, it ranked 15 of 265 with 1.4%, up 0.1 points. It has lent in both since the 1990s.
Applications / Mortgage Analytics / Lenders / New York / Chemung Canal Trust Company
Chemung Canal Trust Company
Elmira, NY · State member bank · FRS · $2.7 billion assets · 275 loans in 2025
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275
loans originated, 2025
379
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chemung Canal Trust Company made fewer but bigger loans in 2025, and it gained share in Ithaca and Albany-Schenectady-Troy.
Fewer loans, more money
It made 275 loans, 9% fewer than in 2024, while similar lenders, state member banks making between half and twice as many loans, grew by 7%. Yet the money it lent rose to $130.4 million from $107.0 million. Its typical loan rose to $195,000 from $125,000, and jumbo loans (larger than the conforming limit) to 3.7% from 1.8%.
A buyer's bank at lower rates
Home purchases made up 60.7% of its loans, and every loan was conventional. Its typical rate was 6.50%, against 6.75% at similar lenders. None of its loans was higher-priced (a rate well above the average for similar loans); at peers 2.4% were.
A gap in 2020
It filed no report for 2020, a gap in the record rather than a year without lending. Its lending peaked at 660 loans in 2021, then fell to 268 in 2023 before rising to 301 in 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
275 loans in 2025, against a peak of 660 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Chemung Canal Trust Company took 379 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 60.7% · Refinance 22.2% · Other 16.7% · Home improvement 0.4%
Conventional 100.0% · of 275 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
5 states, 15 metros, 36 counties
| State | Loans | Share |
|---|---|---|
| New York | 251 | 91.3% |
| Pennsylvania | 18 | 6.5% |
| Florida | 4 | 1.5% |
| Massachusetts | 1 | 0.4% |
| Maine | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 79 |
| Elmira | 45 |
| Binghamton | 28 |
| Ithaca | 18 |
| Buffalo-Cheektowaga | 14 |
| Glens Falls | 7 |
| Syracuse | 5 |
| Cape Coral-Fort Myers | 2 |
| Rochester | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WU17K1CLH8VI32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 884303 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2884303 | 1990–2017 |
Established 22 October 1833. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chemung Canal Trust Company's data.
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