Chenango County, NY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,195 mortgage applications in Chenango County, NY totaling $123.6 million, down 7% from 2018. The average application was for $103,000, and applicants reported an average income of $71,000. 56% of applications resulted in an originated loan and 21% were denied. The most active lender was Nbt Bank NA, with 260 applications, followed by Community Bank, N.A. and Visions Federal Credit Union.

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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 1,195
Total Mortgage Loan Application Amount $123,625,000
Average Mortgage Loan Application Amount $103,000
Highest Mortgage Loan Application Amount $505,000
Average Applicant Income $71,000
Highest Applicant Income $699,000

Mortgage Company List for Lending in Chenango County, NY for 2019

* 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
* $ 9,492,332,000 260 $ 23,140,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,412,127,000 71 $ 6,265,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 4,187,734,000 67 $ 6,525,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 144,192,000 53 $ 2,635,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 49 $ 4,505,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 48 $ 5,340,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 46 $ 5,790,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 44 $ 4,580,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 36 $ 3,200,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 21 $ 2,625,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 590,217,000 21 $ 2,745,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 17 $ 1,505,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 2,045,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 17 $ 2,025,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 14 $ 2,470,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 13 $ 695,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 13 $ 1,685,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,280,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 12 $ 1,270,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 12 $ 820,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 483,741,000 11 $ 1,225,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 1,755,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 10 $ 1,390,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 10 $ 830,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 10 $ 1,240,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 9 $ 1,005,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 9 $ 825,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 1,005,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,290,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,755,479,000 8 $ 410,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 7 $ 1,155,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 7 $ 735,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 6 $ 780,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 520,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,802,931,000 5 $ 645,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 5 $ 925,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 380,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 4 $ 680,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 515,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 385,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,062,789,000 3 $ 565,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 3 $ 185,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 365,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 245,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 965,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 325,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 555,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 425,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 2,266,082,000 2 $ 190,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,751,794,000 2 $ 160,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 2 $ 90,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 330,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,935,678,000 2 $ 620,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 2 $ 200,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 77,243,612,000 2 $ 100,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 2 $ 140,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 405,435,000 2 $ 350,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 2 $ 190,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 360,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 2 $ 280,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 587,964,000 2 $ 170,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 2 $ 190,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 2,285,610,000 2 $ 370,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 1,185,512,000 2 $ 310,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 302,668,929,000 2 $ 300,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,578,708,000 2 $ 40,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 2 $ 240,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 60,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 180,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 1,074,501,000 1 $ 235,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 75,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 195,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 581,669,000 1 $ 165,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 7,247,532,000 1 $ 155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 85,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 35,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,121,514,000 1 $ 25,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 294,597,000 1 $ 215,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 1,435,822,000 1 $ 105,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 661,642,000 1 $ 135,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 105,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 95,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 1 $ 75,000
Geddes Federal Savings and Loan Association
2208 WEST GENESEE STREET
SYRACUSE, NY 13219
* $ 537,989,000 1 $ 85,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 1 $ 175,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 125,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 125,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 25,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 4,272,439,000 1 $ 115,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 443,001,000 1 $ 105,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 65,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 135,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,065,189,000 1 $ 45,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 115,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 65,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 115,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 235,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 145,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 258,778,000 1 $ 115,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 1 $ 115,000

The tables below break down 2019 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 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 626 $75,750,000 $121,000 $505,000 $71,000 $699,000
Refinancing 170 $17,690,000 $104,000 $475,000 $74,000 $244,000
Cash-out Refinancing 162 $15,650,000 $96,000 $345,000 $67,000 $244,000
Home Improvement 140 $7,810,000 $55,000 $365,000 $77,000 $440,000
Other Purpose 73 $4,605,000 $63,000 $505,000 $62,000 $175,000
Not Applicable 24 $2,120,000 $88,000 $205,000 $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 944 $95,270,000 $100,000 $505,000 $71,000 $699,000
Not Provided 133 $14,565,000 $109,000 $275,000 $68,000 $246,000
Not applicable 81 $10,125,000 $125,000 $475,000 $85,000 $130,000
Hispanic 16 $1,420,000 $88,000 $205,000 $59,000 $144,000
Asian 7 $995,000 $142,000 $215,000 $119,000 $169,000
American Indian or Alaskan Native 6 $430,000 $71,000 $115,000 $26,000 $38,000
Black or African American 5 $595,000 $119,000 $155,000 $68,000 $108,000
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) 839 $80,875,000 $96,000 $505,000 $76,000 $699,000
FHA-insured (Federal Housing Administration) 229 $25,025,000 $109,000 $275,000 $57,000 $187,000
VA-guaranteed (Veterans Administration) 94 $14,840,000 $157,000 $465,000 $64,000 $158,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 33 $2,885,000 $87,000 $145,000 $41,000 $63,000

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 674 $69,620,000 $103,000 $505,000 $75,000 $467,000
Application Denied By Financial Institution 249 $22,775,000 $91,000 $505,000 $56,000 $291,000
Loan Purchased By The Institution 109 $13,715,000 $125,000 $315,000 $84,000 $355,000
Application Withdrawn By Applicant 88 $10,270,000 $116,000 $455,000 $70,000 $320,000
File Closed For Incompleteness 40 $3,950,000 $98,000 $295,000 $58,000 $194,000
Application Approved But Not Accepted 35 $3,295,000 $94,000 $285,000 $92,000 $699,000
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 936 $99,860,000 $106,000 $505,000 $75,000 $699,000
Debt-To-Income Ratio 83 $8,955,000 $107,000 $505,000 $55,000 $181,000
Credit History 62 $4,120,000 $66,000 $225,000 $56,000 $202,000
Collateral 59 $6,025,000 $102,000 $505,000 $73,000 $291,000
Credit Application Incomplete 22 $1,860,000 $84,000 $145,000 $51,000 $110,000
Other 19 $1,465,000 $77,000 $165,000 $46,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 5 $625,000 $125,000 $255,000 $46,000 $66,000
Employment History 4 $230,000 $57,000 $115,000 $54,000 $74,000
Mortgage Insurance Denied 3 $355,000 $118,000 $155,000 $49,000 $59,000
Unverifiable Information 2 $130,000 $65,000 $85,000 $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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