What people paid for mortgages in Broome County, NY (2025)

Across 1,143 closed home-purchase loans in 2025, the median interest rate in Broome was 6.5%, and the middle half of borrowers got between 6.25% and 6.75%. Median total loan costs ran $4,178 on a median loan of $175,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.25%–6.75%
Median total loan costs: $4,178
Median loan amount: $175,000

1,143 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.25%
Median total loan costs: $6,113
Median loan amount: $135,000

355 loans, 2025.

Lowest median rates in Broome (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.SEFCU SERVICES, LLC6.312%30 loans, median costs $3,301
2.NBT Bank, National Association6.375%30 loans, median costs $3,918
3.HOMESTEAD FUNDING CORP.6.49%260 loans, median costs $3,537
4.1ST PRIORITY MORTGAGE, INC.6.5%79 loans, median costs $4,594
5.Visions Federal Credit Union6.5%54 loans, median costs $3,904

Among lenders with at least 30 closed purchase loans in Broome County in 2025.

Refinance

1.Manufacturers and Traders Trust Company5.99%35 loans, median costs $6,978
2.Rocket Mortgage, LLC6.49%105 loans, median costs $6,216
3.Visions Federal Credit Union7.25%40 loans, median costs $2,932

Among lenders with at least 30 closed refinance loans in Broome County in 2025.

Lender by lender in Broome

Every lender that closed at least 5 qualifying loans in Broome County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	HOMESTEAD FUNDING CORP.	260	6.49%	$3,537	$1,195	$304
2	1ST PRIORITY MORTGAGE, INC.	79	6.5%	$4,594	$2,004	$961
3	Visions Federal Credit Union	54	6.5%	$3,904	$219	n/a
4	Manufacturers and Traders Trust Company	52	6.55%	$4,175	$1,500	$351
5	Community Bank, National Association	49	7.125%	$0	$0	$3,895
6	Rocket Mortgage, LLC	48	6.875%	$6,679	$2,896	$2,813
7	EVERETT FINANCIAL, INC.	48	6.625%	$4,904	$1,792	$866
8	Tioga State Bank, N. A.	47	n/a	n/a	n/a	n/a
9	Tompkins Community Bank	46	6.5%	$3,288	$845	n/a
10	Sidney Federal Credit Union	37	6.625%	$3,531	$299	n/a
11	NBT Bank, National Association	30	6.375%	$3,918	$1,500	$380
12	SEFCU SERVICES, LLC	30	6.312%	$3,301	$790	$520
13	ABSOLUTE HOME MORTGAGE CORPORATION	28	6.624%	$6,321	$1,926	$979
14	Empower Federal Credit Union	25	6.75%	$2,919	$123	$1,148
15	JPMorgan Chase Bank, National Association	22	6.495%	$5,045	$2,165	$1,529
16	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	21	6.499%	$7,114	$2,296	$1,161
17	Mortgage Research Center, LLC	19	6.25%	$2,360	$0	$521
18	Navy Federal Credit Union	15	6%	$4,360	$0	$3,401
19	PREMIUM MORTGAGE CORPORATION	14	6.562%	$4,144	$1,450	$458
20	CROSSCOUNTRY MORTGAGE, INC.	14	6.575%	$6,906	$1,745	$1,979
21	AMERICAN FINANCIAL NETWORK, INC.	9	6.49%	$5,598	$2,193	n/a
22	Bank of America, National Association	8	6.183%	$5,957	$2,166	$1,136
23	Chemung Canal Trust Company	7	6.5%	$2,735	$595	n/a
24	Citizens Bank, National Association	7	6.375%	$5,591	$1,056	$812
25	KeyBank National Association	6	6%	$3,755	$1,531	$535
26	UNITED MORTGAGE CORP.	5	6.375%	$8,145	$3,808	$2,157
27	TAMMAC HOLDINGS CORPORATION	5	9.3%	n/a	n/a	n/a
28	NEWREZ LLC	5	6.75%	$8,633	$1,965	$1,566
29	Wayne Bank	5	n/a	n/a	n/a	n/a
30	CFCU COMMUNITY Credit Union	5	5.875%	$0	$0	$1,422
31	USAA Federal Savings Bank	5	6.75%	$6,254	$544	$2,378

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Broome figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Broome County in 2025?

The median interest rate on closed home-purchase loans in Broome County, New York in 2025 was 6.5%, across 1,143 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.75%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.