Chenango County, NY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,426 mortgage applications in Chenango County, NY totaling $119.2 million, up 12% from 2011. The average application was for $83,000, and applicants reported an average income of $57,000. 48% of applications resulted in an originated loan and 28% were denied. The most active lender was Nbt Bank NA, with 491 applications, followed by Wells Fargo Bank NA and M&T Bank.

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Total Number of Mortgage Applications 1,426
Total Mortgage Loan Application Amount $119,171,000
Average Mortgage Loan Application Amount $83,000
Highest Mortgage Loan Application Amount $720,000
Average Applicant Income $57,000
Highest Applicant Income $374,000

Mortgage Company List for Lending in Chenango County, NY for 2012

* 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
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,558,535,000 491 $ 34,818,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 152 $ 15,278,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 71 $ 7,333,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 3,040,695,000 66 $ 7,279,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 46 $ 5,253,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 6,460,589,000 45 $ 2,826,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 40 $ 2,352,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 37 $ 1,640,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 32 $ 3,397,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 129,735,000 32 $ 1,192,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 24 $ 2,511,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 19 $ 1,704,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 14 $ 484,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 14 $ 752,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 14 $ 1,527,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 13 $ 1,455,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 12 $ 1,217,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 12 $ 862,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 11 $ 724,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 10 $ 80,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 385,339,000 9 $ 1,052,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 9 $ 647,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 9 $ 1,074,000
Alliance Bank NA
120 MADISON STREET
SYRACUSE, NY 13202
* $ 1,403,481,000 9 $ 826,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 8 $ 483,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 6 $ 774,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,316,124,000 6 $ 267,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 6 $ 713,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 5 $ 472,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 5 $ 531,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 501,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,006,368,000 5 $ 403,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 5 $ 546,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 5 $ 387,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 5 $ 394,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 5 $ 824,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 570,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 4 $ 472,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 32,750,610,000 3 $ 199,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 3 $ 413,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 366,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 300,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 3 $ 292,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 3 $ 302,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,213,554,000 3 $ 158,000
Oneida Savings Bank
182 MAIN STREET
ONEIDA, NY 13421
* $ 664,055,000 3 $ 230,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 3 $ 403,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 2 $ 174,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 2 $ 237,000
Berkshire Bank

ALBANY, NY 12207
* $ 3,955,635,000 2 $ 226,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 800,858,000 2 $ 55,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 2 $ 104,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 620,819,000 2 $ 141,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 523,397,000 2 $ 207,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 2 $ 15,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 30,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,179,394,000 2 $ 361,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 109,542,000 2 $ 158,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 46,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 2 $ 254,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 136,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 2 $ 326,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 2 $ 107,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 2 $ 113,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 130,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 2 $ 140,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 157,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 285,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 2 $ 190,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 1 $ 45,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 111,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 148,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 39,468,720,000 1 $ 214,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 123,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 55,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 1 $ 75,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 204,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 58,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 67,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 95,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 157,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 87,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 150,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 21,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13045
* $ 106,000,000 1 $ 25,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 238,000
Beacon Federal
6611 MANLIUS CENTER RD
EAST SYRACUSE, NY 13057
* $ 1,027,212,000 1 $ 5,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 897,588,000 1 $ 42,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 151,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 237,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 8,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 1 $ 75,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 227,334,000 1 $ 56,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,779,000 1 $ 25,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,434,762,000 1 $ 110,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,565,020,000 1 $ 113,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 312,469,000 1 $ 87,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 663,383,000 1 $ 120,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 4,505,104,000 1 $ 150,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 131,556,000 1 $ 67,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 365,376,000 1 $ 70,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,352,418,000 1 $ 43,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 58,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 99,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 96,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ 10,000,000 1 $ 144,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 60,000

The tables below break down 2012 mortgage applications in Chenango 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 Chenango County, NY in 2012

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 614 $60,093,000 $97,000 $395,000 $64,000 $270,000
Home Purchase 536 $50,217,000 $93,000 $720,000 $54,000 $374,000
Home Improvement 276 $8,861,000 $32,000 $165,000 $49,000 $200,000

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 1,204 $99,476,000 $82,000 $395,000 $60,000 $374,000
Not Provided 104 $8,552,000 $82,000 $238,000 $61,000 $238,000
Not applicable 78 $7,236,000 $92,000 $720,000 $3,000 $225,000
Hispanic 20 $2,060,000 $103,000 $188,000 $73,000 $225,000
Asian 9 $1,098,000 $122,000 $360,000 $90,000 $199,000
Black or African American 9 $554,000 $61,000 $107,000 $65,000 $200,000
Native Hawaiian or Other Pacific Islander 1 $127,000 $127,000 $127,000 $0 $0
American Indian or Alaskan Native 1 $68,000 $68,000 $68,000 $50,000 $50,000

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) 1,023 $79,161,000 $77,000 $720,000 $63,000 $374,000
FHA-insured (Federal Housing Administration) 279 $26,691,000 $95,000 $274,000 $42,000 $159,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 72 $6,616,000 $91,000 $176,000 $42,000 $77,000
VA-guaranteed (Veterans Administration) 52 $6,703,000 $128,000 $260,000 $47,000 $215,000

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 686 $59,943,000 $87,000 $720,000 $64,000 $374,000
Application Denied By Financial Institution 404 $28,504,000 $70,000 $328,000 $50,000 $374,000
Loan Purchased By The Institution 122 $11,311,000 $92,000 $340,000 $27,000 $225,000
Application Approved But Not Accepted 101 $8,551,000 $84,000 $416,000 $68,000 $362,000
Application Withdrawn By Applicant 93 $8,735,000 $93,000 $232,000 $63,000 $252,000
File Closed For Incompleteness 20 $2,127,000 $106,000 $300,000 $49,000 $103,000
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 124 $7,026,000 $56,000 $300,000 $40,000 $130,000
Credit History 102 $5,227,000 $51,000 $260,000 $43,000 $155,000
Collateral 53 $5,837,000 $110,000 $268,000 $87,000 $374,000
Other 34 $2,326,000 $68,000 $155,000 $50,000 $102,000
Credit Application Incomplete 10 $1,017,000 $101,000 $170,000 $75,000 $178,000
Employment History 4 $117,000 $29,000 $59,000 $74,000 $191,000
Insufficient Cash (Downpayment, Closing Cost) 3 $226,000 $75,000 $85,000 $25,000 $35,000
Unverifiable Information 3 $70,000 $23,000 $50,000 $48,000 $85,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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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