Clinton County, NY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,496 mortgage applications in Clinton County, NY totaling $263.1 million, up 7% from 2023. The average application was for $175,000, and applicants reported an average income of $115,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Bank, N.A., with 333 applications, followed by Absolute Home Mortgage and Arrow Bank NA.
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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 | 1,496 |
| Total Mortgage Loan Application Amount | $263,080,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $6,855,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $2,424,000 |
* 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 |
* | $ n/a | 333 | $ 52,415,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 102 | $ 19,630,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ n/a | 102 | $ 15,990,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 84 | $ 10,830,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 67 | $ 12,545,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 61 | $ 5,755,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 50 | $ 6,370,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 41 | $ 7,845,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 36 | $ 5,950,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 30 | $ 4,920,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 25 | $ 6,215,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 25 | $ 2,595,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 24 | $ 3,470,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 20 | $ 4,610,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 20 | $ 2,940,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 20 | $ 1,520,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 14 | $ 3,130,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 14 | $ 2,380,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 13 | $ 2,325,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 12 | $ 3,440,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 12 | $ 1,830,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 11 | $ 1,025,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 11 | $ 1,515,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 11 | $ 1,925,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 10 | $ 1,470,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 10 | $ 1,550,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 10 | $ 980,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 9 | $ 1,505,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 1,965,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 9 | $ 8,345,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 9 | $ 1,685,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 8 | $ 1,080,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 8 | $ 1,070,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 7 | $ 1,095,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 1,375,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 6 | $ 880,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 6 | $ 1,570,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 4 | $ 520,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 4 | $ 850,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 1,110,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 4 | $ 980,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 1,230,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 3 | $ 785,000 |
| Five Star Bank 2240 DOUGLAS BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 3,375,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 335,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 3 | $ 575,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 715,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 485,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 3 | $ 445,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 465,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 715,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 3 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 795,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ n/a | 3 | $ 3,785,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 2 | $ 90,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ n/a | 2 | $ 5,170,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 160,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 270,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 390,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 630,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 2 | $ 200,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 2 | $ 560,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 2 | $ 970,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 130,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ n/a | 2 | $ 80,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 2 | $ 370,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ n/a | 1 | $ 265,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 165,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 245,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ n/a | 1 | $ 215,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 415,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 505,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 1 | $ 175,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 185,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 1 | $ 175,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ n/a | 1 | $ 105,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 215,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ n/a | 1 | $ 165,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 225,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 185,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 165,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 165,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 245,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ n/a | 1 | $ 225,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 395,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 255,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 105,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 1 | $ 175,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 1 | $ 65,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 225,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ n/a | 1 | $ 215,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ n/a | 1 | $ 505,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2024 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 2024
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 | 859 | $183,245,000 | $213,000 | $6,855,000 | $111,000 | $1,963,000 |
| Home Improvement | 195 | $15,615,000 | $80,000 | $405,000 | $136,000 | $2,424,000 |
| Other Purpose | 165 | $13,685,000 | $82,000 | $305,000 | $117,000 | $835,000 |
| Cash-out Refinancing | 162 | $28,880,000 | $178,000 | $1,955,000 | $98,000 | $587,000 |
| Refinancing | 110 | $21,400,000 | $194,000 | $3,155,000 | $128,000 | $1,866,000 |
| Not Applicable | 5 | $255,000 | $51,000 | $85,000 | $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 | 1,156 | $183,380,000 | $158,000 | $885,000 | $117,000 | $2,424,000 |
| Not applicable | 135 | $45,865,000 | $339,000 | $6,855,000 | $142,000 | $228,000 |
| Not Provided | 117 | $17,875,000 | $152,000 | $515,000 | $108,000 | $699,000 |
| Hispanic | 30 | $4,340,000 | $144,000 | $405,000 | $95,000 | $189,000 |
| Black or African American | 25 | $4,685,000 | $187,000 | $475,000 | $84,000 | $172,000 |
| Asian | 24 | $5,300,000 | $220,000 | $685,000 | $118,000 | $276,000 |
| American Indian or Alaskan Native | 9 | $1,635,000 | $181,000 | $445,000 | $83,000 | $166,000 |
| 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) | 1,146 | $190,970,000 | $166,000 | $6,855,000 | $122,000 | $2,424,000 |
| FHA-insured (Federal Housing Administration) | 212 | $37,880,000 | $178,000 | $435,000 | $79,000 | $239,000 |
| VA-guaranteed (Veterans Administration) | 119 | $31,205,000 | $262,000 | $505,000 | $105,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,025,000 | $159,000 | $265,000 | $75,000 | $110,000 |
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 | 822 | $159,560,000 | $194,000 | $6,855,000 | $121,000 | $2,424,000 |
| Application Denied By Financial Institution | 281 | $34,485,000 | $122,000 | $575,000 | $92,000 | $1,963,000 |
| Application Withdrawn By Applicant | 182 | $32,980,000 | $181,000 | $785,000 | $132,000 | $1,866,000 |
| Loan Purchased By The Institution | 125 | $24,685,000 | $197,000 | $505,000 | $122,000 | $228,000 |
| File Closed For Incompleteness | 58 | $7,430,000 | $128,000 | $395,000 | $115,000 | $801,000 |
| Application Approved But Not Accepted | 27 | $3,815,000 | $141,000 | $475,000 | $82,000 | $216,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $79,000 | $79,000 |
| Preapproval Approved but not Accepted | 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 | 1,211 | $225,095,000 | $185,000 | $6,855,000 | $121,000 | $2,424,000 |
| Credit History | 88 | $9,860,000 | $112,000 | $415,000 | $89,000 | $745,000 |
| Debt-To-Income Ratio | 81 | $12,765,000 | $157,000 | $2,115,000 | $73,000 | $279,000 |
| Collateral | 52 | $6,820,000 | $131,000 | $345,000 | $96,000 | $256,000 |
| Other | 26 | $2,700,000 | $103,000 | $205,000 | $75,000 | $161,000 |
| Credit Application Incomplete | 22 | $3,310,000 | $150,000 | $315,000 | $114,000 | $587,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,170,000 | $146,000 | $235,000 | $322,000 | $1,963,000 |
| Unverifiable Information | 4 | $860,000 | $215,000 | $275,000 | $82,000 | $110,000 |
| Employment History | 4 | $500,000 | $125,000 | $185,000 | $35,000 | $79,000 |
| 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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