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Chemung Canal Trust Company

Bank•Elmira, NYHQ•Direct•Reviews near you on Google

Chemung Canal Trust Company has 153 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

Chemung Canal Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+9.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume149
Mix97.4%
Spread
+0.097%Above
Fees
$356Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume118
Mix77.1%
Spread
+0.109%Above
Fees
$433Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume35
Mix22.9%
Spread
+0.050%Above
Fees
$358Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
153
Applications
205
Volume
$37 million
Pricing & Closing
Avg Rate Spread
+0.092%
vs. market APOR
Avg Net Fees
$412
Origination − Credits
Pullthrough Rate
74.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$247,876
Avg Borrower Income
$138,582
Avg Property Value
$345,588

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYPA
South1
SC

Top Metro Areas by Place Specialization Score

1© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 34Mix 22.22% of portfolio
77/100
Strong
2© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 44Mix 28.76% of portfolio
62/100
Strong
3© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 13Mix 8.50% of portfolio
51/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 143Mix 93.46% of portfolio
72/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.