Horseheads, N.Y., Code of Ordinances ch. 135 (eCode360 ed. 2026) § 135-5
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Village of Horseheads for any bank, building and loan association, insurance company or other corporation, association, firm or enterprise whose business consists in whole or in part in the making of commercial real estate loans to deny a loan or other financial assistance to a person applying therefor for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling; or to discriminate against him or her in the fixing of the amount, interest rate, duration or other terms or conditions of such loan or other financial assistance because of the race, color, religion, sex, handicap, familial status or national origin of such person or of any person associated with him or her in connection with such loan or other financial assistance or the purposes of such loan or other financial assistance or of the present or prospective owners, lessees, tenants or occupants of the dwelling or dwellings in relation to which such loan or other financial assistance is to be made or given, provided that nothing contained in this section shall impair the scope or effectiveness of the exception contained in § 135-7 .
Section 135-5 of Horseheads, N.Y., Code of Ordinances ch. 135 prohibits lenders — including banks, building and loan associations, insurance companies, and similar financial enterprises — from denying or discriminating in the terms of real estate loans based on protected characteristics such as race, color, religion, sex, handicap, familial status, or national origin. The rule applies when the loan is sought for purchasing, constructing, improving, repairing, or maintaining a dwelling. This protection extends not only to the applicant but also to people associated with the applicant and to the current or prospective owners, tenants, or occupants of the property in question.
Plain English — not legal advice.
Property owners and managers in Horseheads who work with lenders or facilitate financing for tenants or buyers should be aware that § 135-5 places obligations directly on lending institutions operating within the Village. Compliant lenders evaluate loan applications — including amount, interest rate, duration, and other terms — solely on financial and property-related criteria, not on the protected characteristics of any person connected to the transaction. Operators who refer residents to financing sources or participate in loan-related processes generally document that such referrals are made without regard to race, color, religion, sex, handicap, familial status, or national origin.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 135-5 of Horseheads, N.Y., Code of Ordinances ch. 135, tenants and prospective residents have the right to be free from discriminatory lending practices when seeking financing to purchase, construct, improve, repair, or maintain a dwelling in the Village of Horseheads. If a lender appears to have denied or altered loan terms based on a protected characteristic — including the characteristics of the neighborhood's current or prospective occupants — that may constitute a violation of this provision. Those who believe they have experienced such discrimination can explore options such as filing a complaint with a fair housing organization, contacting a tenant-rights group, or consulting with an attorney familiar with local and federal fair lending laws.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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