Binghamton, NY Metro Area Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 7,272 mortgage applications in Binghamton, NY metro area totaling $774.6 million, down 21% from 2009. The average application was for $106,523, and applicants reported an average income of $68,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Visions Federal Credit Union, with 1,326 applications, followed by M&T Bank 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 | 7,272 |
| Total Mortgage Loan Application Amount | $774,640,000 |
| Average Mortgage Loan Application Amount | $106,523 |
| Highest Mortgage Loan Application Amount | $12,150,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,548,000 |
* 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 |
|---|---|---|---|---|
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 2,418,897,000 | 1,326 | $ 153,617,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 642 | $ 67,088,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 533 | $ 55,631,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 421 | $ 44,030,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 371 | $ 42,041,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 327 | $ 39,833,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 351,699,000 | 307 | $ 21,487,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 294 | $ 36,337,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 269 | $ 28,036,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,424,588,000 | 212 | $ 18,352,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 193 | $ 21,017,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 1,930,177,000 | 171 | $ 11,158,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 154 | $ 6,398,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 972,848,000 | 136 | $ 9,299,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 89 | $ 11,307,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 127,063,000 | 88 | $ 3,650,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 82 | $ 8,370,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,376,962,000 | 81 | $ 5,607,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 72 | $ 8,475,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 830,848,000 | 71 | $ 4,600,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 63 | $ 7,749,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 56 | $ 5,741,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 55 | $ 3,494,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 53 | $ 6,638,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 48 | $ 6,075,000 |
| Horizons Federal Credit Union 120 MAIN ST BINGHAMTON, NY 13905 |
* | $ 89,913,000 | 46 | $ 4,736,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 629,057,000 | 43 | $ 2,979,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,276,365,000 | 42 | $ 3,278,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 40 | $ 4,002,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 514,536,000 | 37 | $ 3,635,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 34 | $ 5,945,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 33 | $ 4,579,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 32 | $ 1,800,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 27 | $ 2,102,000 |
| Sefcu Services, LLC 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 27 | $ 3,498,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 26 | $ 3,536,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 25 | $ 3,165,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 24 | $ 302,000 |
| Elmira Savings Bank, FSB 333 E WATER ST ELMIRA, NY 14901 |
* | $ 499,016,000 | 23 | $ 2,531,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 23 | $ 2,573,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 17 | $ 895,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 17 | $ 1,455,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 17 | $ 1,731,000 |
| Home Funding Finders, Inc 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 16 | $ 2,544,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 15 | $ 1,762,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 15 | $ 1,651,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 758,984,000 | 15 | $ 1,281,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,503,817,000 | 15 | $ 847,000 |
| Wilber National Bank 245 MAIN STREET P.O. BOX 430 ONEONTA, NY 13820 |
* | $ 906,519,000 | 13 | $ 1,329,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 13 | $ 1,563,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 1,476,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 11 | $ 1,294,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 10 | $ 1,253,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 10 | $ 1,183,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 212,487,000 | 10 | $ 670,000 |
| Bct Federal Credit Union 47 BROAD AVENUE BINGHAMTON, NY 13904 |
* | $ 46,373,000 | 9 | $ 919,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 9 | $ 1,048,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 9 | $ 1,311,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 9 | $ 574,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 9 | $ 661,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 9 | $ 1,515,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 9 | $ 1,629,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 679,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 8 | $ 1,409,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 73,839,735,000 | 7 | $ 577,000 |
| Fairport Savings Bank 45 SOUTH MAIN STREET FAIRPORT, NY 14450 |
* | $ 211,297,000 | 7 | $ 766,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 7 | $ 953,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 7 | $ 969,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 6 | $ 546,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 99,953,000 | 6 | $ 247,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 6 | $ 535,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 6 | $ 1,007,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 6 | $ 388,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 6 | $ 697,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 699,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 63,846,000 | 5 | $ 370,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 5 | $ 266,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 5 | $ 685,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,409,715,000 | 5 | $ 797,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 5 | $ 545,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 4 | $ 696,000 |
| M&T Real Estate Trust ONE M&T PLAZA - 15TH FLOOR BUFFALO, NY 14203 |
* | $ 54,391,344,000 | 4 | $ 10,099,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 4 | $ 244,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 4 | $ 424,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 700,000 |
| The Funding Source LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 4 | $ 501,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 338,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 284,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 3 | $ 487,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 151,583,000 | 3 | $ 188,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 816,141,000 | 3 | $ 351,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 459,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 3 | $ 398,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 704,873,000 | 3 | $ 535,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 3 | $ 414,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 3 | $ 268,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 306,783,000 | 3 | $ 189,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 2,714,589,000 | 3 | $ 396,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 3 | $ 310,000 |
| First Niagara Bank, N.A. 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 14,452,230,000 | 3 | $ 1,846,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 3 | $ 543,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 2 | $ 171,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 2 | $ 30,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 2 | $ 391,000 |
| Forward National Company Inc 300 EAST MAIN ST MILFORD, MA 01757 |
* | $ 336,774,000 | 2 | $ 62,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 2 | $ 195,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 2 | $ 80,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 2 | $ 230,000 |
| Rome Savings Bank 100 W DOMINICK ST., PO BOX 311 ROME, NY 13442 |
* | $ 330,110,000 | 2 | $ 200,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 2 | $ 36,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 274,935,000 | 2 | $ 158,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 2,054,272,000 | 2 | $ 41,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 2 | $ 123,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 1,393,910,000 | 2 | $ 200,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 2 | $ 235,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 2 | $ 245,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 2 | $ 301,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 2 | $ 173,000 |
| Berkadia Commercial Mortgage 323 NORRISTOWN ROAD SUITE 300 AMBLER, PA 19002 |
* | $ 1,173,139,000 | 2 | $ 14,161,000 |
| Summit Mortgage Bankers, Inc. 3660 MAIN STREET, 3RD FLOOR FLUSHING, NY 11354 |
* | $ 1,400,000 | 2 | $ 94,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 125,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 2 | $ 266,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ 10,000,000 | 2 | $ 243,000 |
| Aurora Financial Group Inc 9 EVES DRIVE SUITE 190 MARLTON, NJ 08053 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 145,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 2 | $ 216,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ 10,000,000 | 2 | $ 328,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 72,000 |
| First Mortgage Corporation 1131 W. 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Mortgage World Bankers, Inc. 32-75 STEINWAY STREET LONG ISLAND CITY, NY 11103 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 46,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Mortgage Enterprise, Ltd. 776 RXR PLAZA, 7 WEST UNIONDALE, NY 11556 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 350,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 147,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 366,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 148,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 550,523,000 | 1 | $ 31,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 96,000 |
| All American Home Mortgage Cor 333 EARLE OVINGTON BLVD SUITE 102 UNIONDALE, NY 11553 |
* | $ 10,000,000 | 1 | $ 104,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 3,874,738,000 | 1 | $ 250,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 1,465,137,000 | 1 | $ 176,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 3,938,342,000 | 1 | $ 49,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 960,513,000 | 1 | $ 160,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 904,188,000 | 1 | $ 120,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 370,776,000 | 1 | $ 76,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 180,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 3,696,766,000 | 1 | $ 87,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 138,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 529,098,000 | 1 | $ 42,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 1 | $ 42,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 328,860,000 | 1 | $ 114,000 |
| Marriott Employees' Federal Credit Union P.O. BOX 6006 BETHESDA, MD 20827 |
* | $ 141,138,000 | 1 | $ 76,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 619,139,000 | 1 | $ 66,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 210,000 |
| Fncb 102 EAST DRINKER ST DUNMORE, PA 18512 |
* | $ 1,395,079,000 | 1 | $ 54,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 1 | $ 152,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 238,940,000 | 1 | $ 64,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 1,944,931,000 | 1 | $ 100,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 1 | $ 10,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 64,608,091,000 | 1 | $ 147,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 123,758,000 | 1 | $ 165,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 226,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 33,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 95,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 85,854,000 | 1 | $ 111,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 60,167,760,000 | 1 | $ 85,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 90,000 |
| Beacon Federal 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 1,067,019,000 | 1 | $ 10,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,127,943,000 | 1 | $ 116,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 210,951,000 | 1 | $ 55,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 142,000 |
The tables below break down 2010 mortgage applications in Binghamton, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Binghamton, NY in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,805 | $436,633,000 | $114,000 | $12,150,000 | $74,000 | $1,548,000 |
| Home Purchase | 2,599 | $302,600,000 | $116,000 | $9,250,000 | $62,000 | $1,174,000 |
| Home Improvement | 868 | $35,407,000 | $40,000 | $4,000,000 | $62,000 | $720,000 |
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 | 6,195 | $618,136,000 | $99,000 | $1,275,000 | $70,000 | $1,548,000 |
| Not Provided | 535 | $55,185,000 | $103,000 | $440,000 | $70,000 | $500,000 |
| Not applicable | 248 | $69,797,000 | $281,000 | $12,150,000 | $11,000 | $275,000 |
| Asian | 109 | $14,605,000 | $133,000 | $620,000 | $106,000 | $947,000 |
| Black or African American | 93 | $7,991,000 | $85,000 | $300,000 | $57,000 | $342,000 |
| Hispanic | 73 | $7,396,000 | $101,000 | $309,000 | $61,000 | $258,000 |
| American Indian or Alaskan Native | 10 | $695,000 | $69,000 | $155,000 | $61,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $835,000 | $92,000 | $175,000 | $56,000 | $78,000 |
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) | 4,912 | $501,524,000 | $102,000 | $9,250,000 | $76,000 | $1,548,000 |
| FHA-insured (Federal Housing Administration) | 2,015 | $231,103,000 | $114,000 | $12,150,000 | $52,000 | $889,000 |
| VA-guaranteed (Veterans Administration) | 232 | $30,670,000 | $132,000 | $358,000 | $53,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 113 | $11,343,000 | $100,000 | $204,000 | $43,000 | $95,000 |
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 | 3,782 | $406,180,000 | $107,000 | $12,150,000 | $74,000 | $1,548,000 |
| Application Denied By Financial Institution | 1,319 | $109,664,000 | $83,000 | $633,000 | $55,000 | $1,092,000 |
| Loan Purchased By The Institution | 871 | $110,193,000 | $126,000 | $9,250,000 | $51,000 | $481,000 |
| Application Withdrawn By Applicant | 804 | $95,785,000 | $119,000 | $2,011,000 | $78,000 | $900,000 |
| Application Approved But Not Accepted | 326 | $32,367,000 | $99,000 | $500,000 | $71,000 | $650,000 |
| File Closed For Incompleteness | 170 | $20,451,000 | $120,000 | $409,000 | $74,000 | $1,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 214 | $17,843,000 | $83,000 | $500,000 | $40,000 | $224,000 |
| Credit History | 211 | $12,016,000 | $56,000 | $500,000 | $53,000 | $720,000 |
| Collateral | 122 | $12,368,000 | $101,000 | $417,000 | $70,000 | $283,000 |
| Other | 113 | $9,022,000 | $79,000 | $300,000 | $75,000 | $850,000 |
| Credit Application Incomplete | 49 | $5,078,000 | $103,000 | $395,000 | $74,000 | $630,000 |
| Unverifiable Information | 31 | $3,050,000 | $98,000 | $290,000 | $61,000 | $237,000 |
| Employment History | 20 | $1,495,000 | $74,000 | $273,000 | $51,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $3,018,000 | $167,000 | $633,000 | $69,000 | $275,000 |
| Mortgage Insurance Denied | 3 | $238,000 | $79,000 | $94,000 | $47,000 | $89,000 |
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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