Tioga State Bank, N. A. mortgage approval rate & lending review
Tioga State Bank, N. A. decided 322 mortgage applications and funded 289 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tioga State Bank, N. A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Tioga State Bank, N. A. at a glance
Approval is 9.1 points above the 82.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 170 / 178 | 99% | $155K | 168 |
| Home improvement loans | 95% | 40 / 42 | 98% | $55K | 39 |
| Investment property purchase | 86% | 49 / 57 | 98% | $105K | 48 |
Tioga State Bank, N. A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 91% | $155K | 320 | 287 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Tioga State Bank, N. A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Broome County, NY | Mortgage lenders | 97% | 141 | 135 |
| Broome County, NY | Investment property purchase | 86% | 44 | 37 |
| Broome County, NY | Home improvement loans | 95% | 38 | 35 |
| Tompkins County, NY | Mortgage lenders | 88% | 33 | 29 |
The county markets where Tioga State Bank, N. A. made the most loans. Each link opens that market with every lender ranked.
Questions about Tioga State Bank, N. A.
What is Tioga State Bank, N. A.'s mortgage approval rate?
Tioga State Bank, N. A. approved 91.3% of the 322 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.1 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan Tioga State Bank, N. A. offers?
Borrowers accepted 98% of the loans Tioga State Bank, N. A. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tioga State Bank, N. A. make?
The typical home purchase mortgage loan Tioga State Bank, N. A. made was $155K; across all loan types its typical loan ran from $55K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tioga State Bank, N. A. lend?
Tioga State Bank, N. A. decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Pennsylvania.
Can I apply to Tioga State Bank, N. A. directly?
Yes. Tioga State Bank, N. A. reports as a direct lender that takes applications from borrowers.
Does this page show Tioga State Bank, N. A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Tioga State Bank, N. A. treats applications, then get a rate quote from the lender.