Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Broome County, New York
Every institution that decided a 1–4 unit mortgage application in Broome County, home to Binghamton, between 2023 and 2025: 9,354 applications, 7,095 loans actually funded, across 8 kinds of borrowing.
Broome County at a glance
9,354Applications decided
2023–2025
7,095Loans funded
76% of decisions
57Census tracts
15 ZIP codes
197,738People
ACS 2023
What the data shows
The typical purchase mortgage here is $165K.
Lending by loan type in Broome County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.1% | 4,269 | $165K | 97% | 168 |
| Home improvement loans | 67.0% | 2,081 | $55K | 97% | 58 |
| Cash-out refinance | 72.1% | 1,110 | $115K | 96% | 69 |
| Refinance | 74.6% | 701 | $85K | 96% | 66 |
| Investment property purchase | 82.6% | 858 | $125K | 94% | 129 |
| Investment cash-out refinance | 74.9% | 179 | $105K | 88% | 50 |
| Investment refinance | 67.7% | 99 | $115K | 90% | 33 |
| Investment home improvement | 43.9% | 57 | $155K | 100% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.