Clinton County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,396 mortgage applications in Clinton County, NY totaling $238.5 million, down 24% from 2022. The average application was for $170,000, and applicants reported an average income of $105,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Community Bank, N.A., with 321 applications, followed by Arrow 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 1,396
Total Mortgage Loan Application Amount $238,500,000
Average Mortgage Loan Application Amount $170,000
Highest Mortgage Loan Application Amount $8,555,000
Average Applicant Income $105,000
Highest Applicant Income $1,488,000

Mortgage Company List for Lending in Clinton 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
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 321 $ 49,995,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 3,125,180,000 94 $ 13,130,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 77 $ 8,135,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 68 $ 11,910,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 57 $ 7,785,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 53 $ 5,455,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 53 $ 4,285,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 45 $ 6,695,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 42 $ 7,800,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 39 $ 7,405,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 25 $ 3,695,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 24 $ 4,210,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 22 $ 3,530,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 18 $ 3,600,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 18 $ 3,000,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 17 $ 3,605,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 17 $ 1,205,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 15 $ 1,345,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,960,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 13 $ 2,165,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 13 $ 1,805,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 11 $ 2,275,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 11 $ 1,815,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 11 $ 1,935,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 954,358,000 10 $ 790,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,470,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 8 $ 2,320,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 8 $ 460,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 8 $ 1,520,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 8 $ 1,710,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 1,345,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 6 $ 1,330,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 6 $ 1,150,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 6 $ 500,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 5 $ 825,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 5 $ 495,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 903,544,000 5 $ 815,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ 598,530,000 5 $ 1,015,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 5 $ 1,155,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 1,045,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 4 $ 1,610,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 4 $ 630,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 400,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 4 $ 760,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 4 $ 290,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 4 $ 750,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 590,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 585,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 3 $ 1,185,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 475,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 3 $ 705,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 595,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 7,999,108,000 3 $ 145,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 3 $ 355,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 275,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 3 $ 755,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 3 $ 685,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 640,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 700,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 2 $ 60,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 2 $ 560,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 270,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 2 $ 17,110,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 230,000
Byline Bank
180 N LASALLE STREET, SUITE 300
CHICAGO, IL 60601
* $ 7,347,241,000 1 $ 105,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 145,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 115,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 275,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,656,860,000 1 $ 185,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 397,701,000 1 $ 95,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 1,640,057,000 1 $ 25,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 125,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 1 $ 325,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,641,568,000 1 $ 255,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 105,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 1,747,013,000 1 $ 255,000
Five Star Bank
2240 DOUGLAS BLVD
ROSEVILLE, CA 95661
* $ 3,224,069,000 1 $ 1,435,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 155,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 105,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 235,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 155,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 295,788,000 1 $ 115,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 115,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 265,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ -1,000 1 $ 165,000
Country Bank for Savings
75 MAIN ST
WARE, MA 01082
* $ 1,659,376,000 1 $ 25,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre
1010 NORTHERN BLVD., SUITE 336
GREAT NECK, NY 11021
* $ -1,000 1 $ 275,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 1 $ 155,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 1,697,684,000 1 $ 25,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 4,505,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 1,261,724,000 1 $ 105,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 245,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 135,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 990,239,000 1 $ 185,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 17,379,010,000 1 $ 105,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 895,584,000 1 $ 85,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 175,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 155,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,696,102,000 1 $ 15,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 15,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ 792,493,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 685,000
Monson Savings Bank
146 MAIN STREET
MONSON, MA 01057
* $ 631,830,000 1 $ 975,000

The tables below break down 2023 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 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 819 $171,345,000 $209,000 $8,555,000 $106,000 $858,000
Home Improvement 208 $16,100,000 $77,000 $915,000 $118,000 $1,488,000
Other Purpose 136 $11,770,000 $86,000 $475,000 $100,000 $1,243,000
Cash-out Refinancing 124 $25,970,000 $209,000 $4,505,000 $89,000 $501,000
Refinancing 103 $12,915,000 $125,000 $395,000 $96,000 $407,000
Not Applicable 6 $400,000 $66,000 $155,000 $85,000 $85,000

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 1,072 $159,120,000 $148,000 $975,000 $102,000 $1,243,000
Not applicable 130 $47,150,000 $362,000 $8,555,000 $93,000 $190,000
Not Provided 119 $17,915,000 $150,000 $915,000 $124,000 $1,488,000
Black or African American 26 $4,850,000 $186,000 $415,000 $125,000 $678,000
Hispanic 26 $4,640,000 $178,000 $385,000 $78,000 $158,000
Asian 12 $3,080,000 $256,000 $505,000 $192,000 $848,000
American Indian or Alaskan Native 7 $1,215,000 $173,000 $335,000 $89,000 $190,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $32,000 $32,000

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) 1,088 $179,370,000 $164,000 $8,555,000 $111,000 $1,488,000
FHA-insured (Federal Housing Administration) 199 $34,405,000 $172,000 $475,000 $77,000 $300,000
VA-guaranteed (Veterans Administration) 98 $23,380,000 $238,000 $505,000 $89,000 $298,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,345,000 $122,000 $165,000 $60,000 $77,000

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 738 $136,220,000 $184,000 $8,555,000 $114,000 $1,488,000
Application Denied By Financial Institution 278 $32,140,000 $115,000 $685,000 $83,000 $720,000
Application Withdrawn By Applicant 169 $28,145,000 $166,000 $475,000 $102,000 $678,000
Loan Purchased By The Institution 129 $23,755,000 $184,000 $505,000 $123,000 $323,000
File Closed For Incompleteness 67 $7,805,000 $116,000 $315,000 $98,000 $342,000
Application Approved But Not Accepted 15 $10,435,000 $695,000 $8,555,000 $71,000 $177,000
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 1,115 $203,835,000 $182,000 $8,555,000 $110,000 $1,488,000
Credit History 91 $8,675,000 $95,000 $355,000 $86,000 $594,000
Debt-To-Income Ratio 89 $13,225,000 $148,000 $1,435,000 $72,000 $400,000
Collateral 43 $5,495,000 $127,000 $685,000 $96,000 $535,000
Other 26 $2,930,000 $112,000 $325,000 $105,000 $720,000
Credit Application Incomplete 18 $2,340,000 $130,000 $275,000 $82,000 $212,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,320,000 $165,000 $305,000 $110,000 $237,000
Unverifiable Information 3 $305,000 $101,000 $115,000 $20,000 $35,000
Employment History 3 $375,000 $125,000 $155,000 $53,000 $94,000
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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