Tioga State Bank, N. A.
Tioga State Bank, N. A. received 306 applications in 2025 and made 250 mortgages, in 17 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 284 decisions, 29 were denials — 10.2%.
| Legal Entity Identifier | 5493002PHB6PE87OB729 |
|---|---|
| Applications received | 306 |
| Mortgages made | 250 |
| Denied | 29 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Tioga State Bank National Association, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 167 | Not published | $185,000 | 10.6% |
| Refinancing | 28 | Not published | $110,000 | 14.7% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 54 | Not published | $55,000 | 6.6% |
Where Tioga State Bank, N. A. lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Broome County, NY | 88 | Not published | 11.9% |
| Tioga County, NY | 82 | Not published | 6.6% |
| Tompkins County, NY | 23 | Not published | 11.5% |
| Chemung County, NY | 10 | Not published | 16.7% |
| Bradford County, PA | 9 | Under 10 loans | 0.0% |
| Cortland County, NY | 8 | Under 10 loans | 11.1% |
| Schuyler County, NY | 7 | Under 10 loans | 11.1% |
| Chenango County, NY | 6 | Under 10 loans | 14.3% |
| Seneca County, NY | 6 | Under 10 loans | 0.0% |
| Onondaga County, NY | 3 | Under 10 loans | 0.0% |
| Susquehanna County, PA | 3 | Under 10 loans | 25.0% |
| Delaware County, NY | 1 | Under 10 loans | 0.0% |
| Oneida County, NY | 1 | Under 10 loans | 50.0% |
| Otsego County, NY | 1 | Under 10 loans | 50.0% |
| Steuben County, NY | 1 | Under 10 loans | 0.0% |
| Yates County, NY | 1 | Under 10 loans | 0.0% |
| Cayuga County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.