Applications / Mortgage Analytics / Lenders / New York / Tioga State Bank
Spencer, NY · National bank · OCC · $609 million assets · 250 loans in 2025
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250
loans originated, 2025
306
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tioga State Bank is a New York bank that makes small loans, many of them on manufactured homes, and in 2025 it grew faster than most similar banks.
Manufactured homes made up 18.0% of its loans, against 1.6% at similar lenders (national banks making between half and twice as many loans). That may help explain its loan size: its typical loan was $135,000, against $205,000 for peers, smaller than at all but about a seventh of them. It made no jumbo loans and no government-backed ones.
Low- and moderate-income (LMI) borrowers took 34.8% of its loans, against 25.3% at similar lenders, more than at about four in five of them. Smaller loans fit buyers on modest incomes. Its turndown rate on home-purchase applications, 5.0%, was close to the peers' 6.3%.
It made 250 loans in 2025, up 16% from 216, while similar lenders grew 5% and the whole market 10%. Two-thirds of its lending, 66.8%, financed home purchases.
It has lent in Binghamton since 1990 and ranks 6 of 180 lenders there, with 4.6% of the market, up from 4.3%. Homestead Funding leads that market. In Ithaca, where it has lent since 2004, its share rose to 3.0% from 1.2%, ranking it 10 of 102.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tioga State Bank took 306 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.8% · Home improvement 15.6% · Refinance 11.6% · Other 6.0%
Conventional 100.0% · of 250 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
| State | Loans | Share |
|---|---|---|
| New York | 238 | 95.2% |
| Pennsylvania | 12 | 4.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Binghamton | 170 |
| Ithaca | 23 |
| Elmira | 10 |
| Syracuse | 3 |
| Utica-Rome | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002PHB6PE87OB729 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 910118 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2910118 | 1990–2017 |
Established 24 March 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tioga State Bank's data.
Tioga State Bank's data
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Tioga State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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