Clinton County, NY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,714 mortgage applications in Clinton County, NY totaling $299.2 million, up 21% from 2011. The average application was for $110,000, and applicants reported an average income of $67,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 361 applications, followed by Wells Fargo Bank NA and TD Bank.

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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 2,714
Total Mortgage Loan Application Amount $299,210,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $3,440,000
Average Applicant Income $67,000
Highest Applicant Income $1,000,000

Mortgage Company List for Lending in Clinton 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
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 6,460,589,000 361 $ 27,311,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 246 $ 30,314,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 203 $ 16,952,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 199 $ 20,058,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,558,535,000 147 $ 13,222,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 1,674,323,000 136 $ 18,454,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 123 $ 7,216,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 118 $ 15,514,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 115 $ 16,543,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 103 $ 14,277,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 101 $ 11,828,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 72 $ 8,747,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 580,713,000 63 $ 5,678,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 46 $ 6,105,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 43 $ 5,433,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 41 $ 4,146,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 38 $ 4,824,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 31 $ 3,685,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 28 $ 767,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 25 $ 1,560,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 25 $ 3,864,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 22 $ 3,706,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 22 $ 3,236,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 19 $ 2,318,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 19 $ 2,621,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 19 $ 3,674,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 17 $ 2,041,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 13 $ 2,655,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 13 $ 1,357,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 11 $ 1,047,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 10 $ 1,490,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 10 $ 1,424,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 9 $ 948,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 8 $ 1,165,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 7 $ 1,080,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 1,183,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 6 $ 783,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 6 $ 976,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 6 $ 839,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 5 $ 732,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 396,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 5 $ 520,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 732,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 649,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 4 $ 628,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 523,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 4 $ 353,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,779,000 4 $ 318,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 3 $ 435,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 32,750,610,000 3 $ 599,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ 10,000,000 3 $ 418,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 3 $ 356,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 3 $ 588,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,316,124,000 3 $ 100,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 3 $ 135,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 338,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 477,611,000 2 $ 207,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 2 $ 269,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 395,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 268,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 363,539,000 2 $ 352,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 350,250,000 2 $ 170,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 2 $ 214,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 551,849,000 2 $ 510,000
Berkshire Bank

ALBANY, NY 12207
* $ 3,955,635,000 2 $ 123,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 2 $ 270,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 2 $ 65,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 273,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 2 $ 317,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 20,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 2 $ 131,000
Guaranteed Home Mortgage Compa
108 CORPORATE PARK DRIVE - SUITE 301
WHITE PLAINS, NY 10604
* $ 10,000,000 2 $ 311,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 2 $ 314,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 63,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 118,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ 10,000,000 1 $ 190,000
Mercantile Bank
200 NORTH 33RD ST
QUINCY, IL 62305
* $ 627,022,000 1 $ 28,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ 10,000,000 1 $ 185,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 126,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 1 $ 123,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 663,383,000 1 $ 93,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ 245,171,000 1 $ 57,000
Riverfront FCU
430 S 4TH ST
WYOMISSING, PA 19610
* $ 170,131,000 1 $ 81,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,352,418,000 1 $ 128,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 101,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 154,000
United Mortgage Corp
510 BROADHOLLOW ROAD, SUITE 202
MELVILLE, NY 11747
* $ 10,000,000 1 $ 133,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 146,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 1 $ 128,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 75,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 145,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 1 $ 324,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 98,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 261,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 162,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 182,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 226,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 95,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,140,785,000 1 $ 298,000
Nassau Financial
865 MERRICK AVENUE STE 865
WESTBURY, NY 11590
* $ 374,561,000 1 $ 126,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 291,219,000 1 $ 573,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 1 $ 200,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 192,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,213,554,000 1 $ 125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 139,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 27,319,304,000 1 $ 136,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 162,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 387,870,000 1 $ 5,000

The tables below break down 2012 mortgage applications in Clinton 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 Clinton 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 1,354 $170,197,000 $125,000 $523,000 $74,000 $1,000,000
Home Purchase 945 $111,405,000 $117,000 $3,440,000 $58,000 $802,000
Home Improvement 415 $17,608,000 $42,000 $320,000 $61,000 $611,000

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 2,259 $239,202,000 $105,000 $573,000 $72,000 $1,000,000
Not applicable 215 $29,128,000 $135,000 $3,440,000 $3,000 $173,000
Not Provided 185 $24,839,000 $134,000 $523,000 $72,000 $250,000
Asian 20 $2,646,000 $132,000 $350,000 $66,000 $146,000
Hispanic 14 $1,393,000 $99,000 $189,000 $105,000 $611,000
Black or African American 12 $1,121,000 $93,000 $210,000 $52,000 $111,000
American Indian or Alaskan Native 9 $881,000 $97,000 $166,000 $70,000 $96,000
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) 1,983 $201,082,000 $101,000 $3,440,000 $73,000 $802,000
FHA-insured (Federal Housing Administration) 495 $65,737,000 $132,000 $414,000 $52,000 $1,000,000
VA-guaranteed (Veterans Administration) 135 $21,299,000 $157,000 $523,000 $50,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 101 $11,092,000 $109,000 $237,000 $38,000 $115,000

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 1,381 $153,157,000 $110,000 $3,440,000 $77,000 $1,000,000
Application Denied By Financial Institution 618 $58,143,000 $94,000 $523,000 $57,000 $444,000
Loan Purchased By The Institution 299 $37,898,000 $126,000 $573,000 $26,000 $802,000
Application Withdrawn By Applicant 223 $28,746,000 $128,000 $417,000 $75,000 $525,000
Application Approved But Not Accepted 141 $14,724,000 $104,000 $400,000 $69,000 $325,000
File Closed For Incompleteness 52 $6,542,000 $125,000 $245,000 $90,000 $505,000
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
Credit History 179 $10,928,000 $61,000 $370,000 $54,000 $441,000
Debt-To-Income Ratio 165 $15,057,000 $91,000 $369,000 $46,000 $270,000
Collateral 106 $12,701,000 $119,000 $321,000 $74,000 $410,000
Other 36 $4,125,000 $114,000 $417,000 $60,000 $184,000
Credit Application Incomplete 32 $4,380,000 $136,000 $523,000 $86,000 $444,000
Unverifiable Information 12 $1,695,000 $141,000 $387,000 $58,000 $220,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,236,000 $112,000 $365,000 $49,000 $99,000
Employment History 7 $503,000 $71,000 $108,000 $43,000 $65,000
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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