Get & compare mortgage quotes anonymously Start in My Home
CCT
Unclaimed

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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
149 loans · 0.10% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
118 loans · 0.11% above market
Sound
Top 60% of lenders
3/5
Refinance
35 loans · 0.05% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

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

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 100100+None
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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of Chemung Canal Trust Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.