Purchase Originations
131
Median Total Costs
$3,340
−50.0% vs national ($6,680)
↑ $349 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$595
Median Lender Credits
$250
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.500% | $3,340 | $595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 123 | 6.500% | $3,326 | #112 |
| Pennsylvania | 7 | 6.875% | $3,675 | — |
| Florida | 1 | 6.750% | $12,666 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $11 | 7.000% | — | 5 | −$3,329 | |
| 2 | $1,518 | 6.625% | — | 8 | −$1,822 | |
| 3 | $2,735 | 6.500% | — | 7 | −$605 | |
| 4 | $2,875 | 6.500% | — | 25 | −$465 | |
| 5 | $3,003 | 6.250% | — | 2 | −$337 | |
| 6 | $3,209 | 6.562% | — | 2 | −$131 | |
| 7 | $3,245 | 6.500% | — | 9 | −$95 | |
| 8 | $3,265 | 6.500% | — | 7 | −$75 | |
| 9 | $3,272 | 6.375% | — | 10 | −$68 | |
| 10 | $3,326 | 6.625% | — | 5 | −$14 | |
| 11 | $3,579 | 6.375% | — | 1 | +$239 | |
| 12 | $3,892 | 6.750% | — | 2 | +$552 | |
| 13 | $4,190 | 6.750% | — | 8 | +$850 | |
| 14 | $4,242 | 6.375% | — | 5 | +$902 | |
| 15 | $4,413 | 6.750% | — | 2 | +$1,073 | |
| 16 | $5,574 | 6.875% | — | 3 | +$2,234 | |
| 17 | $6,026 | 6.750% | — | 7 | +$2,686 | |
| 18 | $6,455 | 6.750% | — | 2 | +$3,115 | |
| 19 | $6,590 | 6.250% | — | 15 | +$3,250 | |
| 20 | $12,666 | 6.750% | — | 1 | +$9,326 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Chemung Canal Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,340 | $7,127 | −$3,787 (−53.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.