Allegany County, NY Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 921 mortgage applications in Allegany County, NY totaling $75.7 million, up 6% from 2018. The average application was for $82,000, and applicants reported an average income of $72,000. 59% of applications resulted in an originated loan and 20% were denied. The most active lender was Community Bank, N.A., with 242 applications, followed by Steuben Trust Company and Wells Fargo Bank NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 921 |
| Total Mortgage Loan Application Amount | $75,675,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $617,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 10,412,127,000 | 242 | $ 17,310,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 551,277,000 | 71 | $ 4,845,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 40 | $ 3,930,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,429,553,000 | 29 | $ 1,275,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 29 | $ 1,875,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 308,228,000 | 24 | $ 1,280,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 23 | $ 1,115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 20 | $ 1,370,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,272,439,000 | 20 | $ 1,360,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 19 | $ 1,455,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 18 | $ 2,130,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 16 | $ 1,060,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 15 | $ 1,585,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 14 | $ 1,580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 13 | $ 1,465,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 1,185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 12 | $ 1,370,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 12 | $ 1,500,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 9,701,569,000 | 11 | $ 795,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 137,976,503,000 | 11 | $ 835,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 10 | $ 670,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 9 | $ 745,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 468,661,000 | 8 | $ 500,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 7 | $ 665,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 7 | $ 845,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,408,923,000 | 6 | $ 310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 6 | $ 620,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 480,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 6 | $ 690,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 690,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 5 | $ 255,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 5 | $ 565,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 326,569,000 | 5 | $ 735,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 635,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 795,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,521,214,000 | 5 | $ 225,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 250,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 520,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 901,881,000 | 4 | $ 200,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 4 | $ 300,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 3 | $ 465,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 590,217,000 | 3 | $ 155,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 3 | $ 65,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 245,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,204,536,000 | 3 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 535,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 581,669,000 | 3 | $ 405,000 |
| Bank of Holland 12 SOUTH MAIN ST. HOLLAND, NY 14080 |
* | $ 135,325,000 | 3 | $ 525,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 375,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,081,698,000 | 3 | $ 305,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 225,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 40,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 200,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 258,778,000 | 2 | $ 150,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 280,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,848,430,000 | 2 | $ 170,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 2 | $ 200,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 200,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,276,156,000 | 2 | $ 220,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,492,332,000 | 2 | $ 110,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 255,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 35,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 145,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 105,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 195,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 3,203,027,000 | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Cattaraugus County Bank 120 MAIN STREET LITTLE VALLEY, NY 14755 |
* | $ 246,643,000 | 1 | $ 205,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ 82,410,000 | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 195,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,298,959,000 | 1 | $ 305,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 997,388,000 | 1 | $ 65,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 175,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 1 | $ 65,000 |
| Bank of Akron 46 MAIN STREET AKRON, NY 14001 |
* | $ 349,552,000 | 1 | $ 55,000 |
| Alden State Bank 13216 BROADWAY ALDEN, NY 14004 |
* | $ 331,905,000 | 1 | $ 25,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,619,574,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 35,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 275,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 210,848,000 | 1 | $ 165,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 195,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 455,811,000 | 1 | $ 25,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 65,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,121,514,000 | 1 | $ 255,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 65,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 338,145,000 | 1 | $ 45,000 |
| Western Division Federal Credit Union 6750 MAIN ST WILLIAMSVILLE, NY 14221 |
* | $ 139,188,000 | 1 | $ 255,000 |
| Andigo Credit Union 1501 E WOODFIELD RD SCHAUMBURG, IL 60173 |
* | $ 839,084,000 | 1 | $ 5,000 |
The tables below break down 2019 mortgage applications in Allegany County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Allegany County, NY in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 464 | $45,850,000 | $98,000 | $345,000 | $75,000 | $335,000 |
| Refinancing | 166 | $13,830,000 | $83,000 | $325,000 | $68,000 | $617,000 |
| Home Improvement | 110 | $4,190,000 | $38,000 | $125,000 | $68,000 | $183,000 |
| Cash-out Refinancing | 85 | $7,715,000 | $90,000 | $245,000 | $66,000 | $277,000 |
| Other Purpose | 85 | $3,555,000 | $41,000 | $115,000 | $75,000 | $272,000 |
| Not Applicable | 11 | $535,000 | $48,000 | $95,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 782 | $62,630,000 | $80,000 | $345,000 | $73,000 | $617,000 |
| Not Provided | 64 | $6,430,000 | $100,000 | $325,000 | $69,000 | $195,000 |
| Not applicable | 52 | $4,640,000 | $89,000 | $275,000 | $38,000 | $52,000 |
| Black or African American | 7 | $655,000 | $93,000 | $185,000 | $54,000 | $86,000 |
| Hispanic | 5 | $405,000 | $81,000 | $125,000 | $43,000 | $52,000 |
| American Indian or Alaskan Native | 5 | $365,000 | $73,000 | $185,000 | $67,000 | $143,000 |
| Asian | 3 | $375,000 | $125,000 | $185,000 | $103,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 738 | $57,970,000 | $78,000 | $345,000 | $75,000 | $617,000 |
| FHA-insured (Federal Housing Administration) | 99 | $8,365,000 | $84,000 | $255,000 | $50,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 62 | $7,850,000 | $126,000 | $325,000 | $67,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,490,000 | $67,000 | $85,000 | $43,000 | $80,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 540 | $44,980,000 | $83,000 | $345,000 | $75,000 | $617,000 |
| Application Denied By Financial Institution | 185 | $13,515,000 | $73,000 | $305,000 | $65,000 | $272,000 |
| Application Withdrawn By Applicant | 78 | $6,320,000 | $81,000 | $305,000 | $70,000 | $297,000 |
| Loan Purchased By The Institution | 75 | $7,545,000 | $100,000 | $345,000 | $82,000 | $335,000 |
| File Closed For Incompleteness | 24 | $1,750,000 | $72,000 | $325,000 | $62,000 | $165,000 |
| Application Approved But Not Accepted | 19 | $1,565,000 | $82,000 | $255,000 | $77,000 | $120,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 671 | $57,475,000 | $85,000 | $345,000 | $73,000 | $335,000 |
| Debt-To-Income Ratio | 115 | $8,545,000 | $74,000 | $265,000 | $67,000 | $617,000 |
| Credit History | 49 | $2,625,000 | $53,000 | $135,000 | $60,000 | $132,000 |
| Collateral | 46 | $3,960,000 | $86,000 | $305,000 | $83,000 | $272,000 |
| Other | 15 | $1,205,000 | $80,000 | $155,000 | $71,000 | $122,000 |
| Credit Application Incomplete | 9 | $725,000 | $80,000 | $165,000 | $69,000 | $107,000 |
| Unverifiable Information | 7 | $445,000 | $63,000 | $145,000 | $87,000 | $130,000 |
| Employment History | 4 | $220,000 | $55,000 | $95,000 | $38,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $185,000 | $82,000 | $103,000 |
| Mortgage Insurance Denied | 2 | $160,000 | $80,000 | $85,000 | $62,000 | $78,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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