Chenango County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 934 mortgage applications in Chenango County, NY totaling $117.1 million, down 32% from 2022. The average application was for $125,000, and applicants reported an average income of $89,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Nbt Bank NA, with 129 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 934
Total Mortgage Loan Application Amount $117,140,000
Average Mortgage Loan Application Amount $125,000
Highest Mortgage Loan Application Amount $525,000
Average Applicant Income $89,000
Highest Applicant Income $905,000

Mortgage Company List for Lending in Chenango County, NY for 2023

* 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
* $ 11,659,908,000 129 $ 13,985,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 82 $ 9,390,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 5,548,911,000 53 $ 4,145,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 43 $ 6,035,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 222,428,000 37 $ 2,395,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 32 $ 3,890,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 30 $ 4,870,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 29 $ 3,895,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 25 $ 3,725,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 21 $ 3,605,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 19 $ 2,695,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 18 $ 2,050,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 18 $ 2,550,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 17 $ 2,925,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 16 $ 2,400,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 14 $ 830,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 14 $ 1,750,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 12 $ 1,890,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,696,102,000 12 $ 860,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 11 $ 1,385,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 11 $ 1,555,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 2,048,365,000 11 $ 2,875,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 7,630,619,000 9 $ 1,715,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,365,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,250,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 7 $ 455,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 975,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ 542,205,000 6 $ 610,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 6 $ 710,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 6 $ 720,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,070,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 6 $ 870,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 615,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 795,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 5 $ 515,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 3,193,673,000 5 $ 325,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 650,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,485,149,000 4 $ 330,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 4 $ 390,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 400,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 490,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 4 $ 480,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 710,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 4 $ 310,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 4 $ 840,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 3 $ 285,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 3 $ 165,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 3 $ 195,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13053
* $ 232,470,000 3 $ 275,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 7,999,108,000 3 $ 315,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 3 $ 595,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 3 $ 805,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 615,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 3 $ 435,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 310,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 506,511,000 2 $ 330,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 2 $ 120,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 190,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 580,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 280,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 200,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 2 $ 280,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 230,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 2 $ 150,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ 476,677,000 2 $ 200,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 2 $ 420,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 230,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 95,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 25,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 145,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 105,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 4,464,686,000 1 $ 95,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 105,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 105,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ -1,000 1 $ 185,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 115,000
Garden Savings Federal Credit Union
LITTLETON ROAD
PARSIPPANY, NJ 07054
* $ 426,441,000 1 $ 95,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ 598,530,000 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 205,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 1,121,757,000 1 $ 35,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 1,747,013,000 1 $ 75,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Spencer Savings Bank, Sla
611 RIVER DRIVE
ELMWOOD PARK, NJ 07407
* $ 3,812,457,000 1 $ 75,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 1 $ 15,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 195,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 135,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,641,568,000 1 $ 185,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ 968,281,000 1 $ 135,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
Access Federal Credit Union
6 FRANKLIN AVE
CLINTON, NY 13323
* $ 254,384,000 1 $ 85,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ 828,530,000 1 $ 215,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 195,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 185,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 65,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 1,295,200,000 1 $ 75,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,753,561,000 1 $ 205,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 215,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 85,000

The tables below break down 2023 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 2023

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 544 $82,050,000 $150,000 $525,000 $90,000 $525,000
Other Purpose 119 $8,265,000 $69,000 $305,000 $97,000 $230,000
Home Improvement 97 $5,835,000 $60,000 $245,000 $87,000 $274,000
Cash-out Refinancing 92 $12,440,000 $135,000 $505,000 $85,000 $905,000
Refinancing 77 $8,215,000 $106,000 $325,000 $85,000 $359,000
Not Applicable 5 $335,000 $67,000 $105,000 $41,000 $41,000

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 707 $86,085,000 $121,000 $495,000 $89,000 $525,000
Not Provided 104 $13,610,000 $130,000 $525,000 $89,000 $320,000
Not applicable 72 $10,310,000 $143,000 $385,000 $43,000 $49,000
Hispanic 24 $3,650,000 $152,000 $305,000 $91,000 $261,000
Black or African American 13 $1,475,000 $113,000 $195,000 $78,000 $163,000
American Indian or Alaskan Native 9 $885,000 $98,000 $155,000 $83,000 $157,000
Asian 3 $725,000 $241,000 $505,000 $361,000 $905,000
Native Hawaiian or Other Pacific Islander 1 $195,000 $195,000 $195,000 $71,000 $71,000

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) 696 $81,060,000 $116,000 $525,000 $95,000 $905,000
FHA-insured (Federal Housing Administration) 164 $22,800,000 $139,000 $285,000 $66,000 $156,000
VA-guaranteed (Veterans Administration) 62 $11,700,000 $188,000 $385,000 $84,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,580,000 $131,000 $195,000 $67,000 $81,000

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 472 $61,240,000 $129,000 $525,000 $95,000 $525,000
Application Denied By Financial Institution 218 $24,090,000 $110,000 $505,000 $77,000 $344,000
Application Withdrawn By Applicant 95 $11,105,000 $116,000 $395,000 $87,000 $499,000
Loan Purchased By The Institution 80 $12,110,000 $151,000 $385,000 $73,000 $149,000
File Closed For Incompleteness 40 $5,320,000 $133,000 $505,000 $109,000 $905,000
Application Approved But Not Accepted 29 $3,275,000 $112,000 $235,000 $91,000 $201,000
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 709 $92,355,000 $130,000 $525,000 $94,000 $905,000
Debt-To-Income Ratio 75 $8,395,000 $111,000 $505,000 $59,000 $194,000
Credit History 63 $5,785,000 $91,000 $275,000 $82,000 $234,000
Collateral 42 $5,660,000 $134,000 $465,000 $106,000 $344,000
Other 24 $2,050,000 $85,000 $225,000 $80,000 $240,000
Credit Application Incomplete 10 $1,150,000 $115,000 $245,000 $69,000 $162,000
Employment History 5 $975,000 $195,000 $325,000 $61,000 $107,000
Unverifiable Information 4 $560,000 $140,000 $265,000 $75,000 $124,000
Insufficient Cash (Downpayment, Closing Cost) 2 $210,000 $105,000 $155,000 $44,000 $56,000
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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