Franklin County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 733 mortgage applications in Franklin County, NY totaling $134.9 million, up 20% from 2024. The average application was for $184,000, and applicants reported an average income of $131,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Community Bank, N.A., with 167 applications, followed by Nbt Bank NA and Absolute Home Mortgage.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in New York.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 733 |
| Total Mortgage Loan Application Amount | $134,905,000 |
| Average Mortgage Loan Application Amount | $184,000 |
| Highest Mortgage Loan Application Amount | $1,865,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $1,925,000 |
* 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 | 167 | $ 22,485,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 44 | $ 8,420,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 34 | $ 6,140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 26 | $ 3,900,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 26 | $ 4,500,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 20 | $ 3,690,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 16 | $ 2,730,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 14 | $ 3,740,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 14 | $ 2,360,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 12 | $ 1,840,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 11 | $ 1,655,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 2,515,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 10 | $ 1,380,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 10 | $ 1,500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 1,430,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 9 | $ 1,755,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 1,295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 2,455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 1,275,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 8 | $ 3,960,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 7 | $ 1,145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 655,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 490,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 6 | $ 260,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 6 | $ 1,630,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 6 | $ 2,260,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ n/a | 6 | $ 1,580,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 5 | $ 1,425,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 1,205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 865,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 1,295,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 5 | $ 1,725,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,115,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 5 | $ 285,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 5 | $ 435,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 640,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 1,420,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 4 | $ 1,970,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 4 | $ 860,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 4 | $ 2,350,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 3 | $ 745,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 345,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 685,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 535,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 335,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 3 | $ 405,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 310,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 280,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 300,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ n/a | 2 | $ 90,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 780,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 2 | $ 150,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 2 | $ 490,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 110,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 190,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 2 | $ 430,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 475,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 95,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ n/a | 1 | $ 605,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 1 | $ 315,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 305,000 |
| Founders Federal Credit Union 737 PLANTATION ROAD LANCASTER, SC 29720 |
* | $ n/a | 1 | $ 175,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 205,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 1 | $ 505,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 215,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 1 | $ 315,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 135,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 35,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 1 | $ 255,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 1,555,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 75,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 145,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 1 | $ 205,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 175,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 1,865,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ n/a | 1 | $ 245,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 35,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 625,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 385,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 215,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 165,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 235,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 435,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 125,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 415,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 1,865,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 105,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 1 | $ 105,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2025 mortgage applications in Franklin 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 Franklin County, NY in 2025
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 | 383 | $85,275,000 | $222,000 | $1,865,000 | $137,000 | $1,925,000 |
| Other Purpose | 101 | $11,535,000 | $114,000 | $1,005,000 | $143,000 | $1,455,000 |
| Cash-out Refinancing | 89 | $15,615,000 | $175,000 | $1,555,000 | $115,000 | $690,000 |
| Refinancing | 84 | $15,870,000 | $188,000 | $1,825,000 | $93,000 | $402,000 |
| Home Improvement | 74 | $6,470,000 | $87,000 | $395,000 | $141,000 | $1,290,000 |
| Not Applicable | 2 | $140,000 | $70,000 | $75,000 | $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 | 552 | $91,950,000 | $166,000 | $1,755,000 | $124,000 | $1,925,000 |
| Not Provided | 73 | $24,655,000 | $337,000 | $1,865,000 | $209,000 | $1,333,000 |
| Not applicable | 71 | $12,475,000 | $175,000 | $485,000 | $98,000 | $188,000 |
| Hispanic | 13 | $1,785,000 | $137,000 | $245,000 | $94,000 | $301,000 |
| American Indian or Alaskan Native | 12 | $2,410,000 | $200,000 | $705,000 | $67,000 | $102,000 |
| Black or African American | 7 | $955,000 | $136,000 | $255,000 | $90,000 | $251,000 |
| Asian | 5 | $675,000 | $135,000 | $185,000 | $69,000 | $86,000 |
| 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) | 553 | $104,225,000 | $188,000 | $1,865,000 | $144,000 | $1,925,000 |
| FHA-insured (Federal Housing Administration) | 124 | $19,930,000 | $160,000 | $385,000 | $78,000 | $267,000 |
| VA-guaranteed (Veterans Administration) | 43 | $9,065,000 | $210,000 | $445,000 | $96,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,685,000 | $129,000 | $185,000 | $58,000 | $64,000 |
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 | 380 | $74,310,000 | $195,000 | $1,865,000 | $138,000 | $1,402,000 |
| Application Denied By Financial Institution | 129 | $17,015,000 | $131,000 | $1,285,000 | $88,000 | $480,000 |
| Application Withdrawn By Applicant | 103 | $19,475,000 | $189,000 | $1,555,000 | $125,000 | $690,000 |
| Loan Purchased By The Institution | 67 | $11,805,000 | $176,000 | $485,000 | $112,000 | $345,000 |
| File Closed For Incompleteness | 37 | $9,585,000 | $259,000 | $1,825,000 | $257,000 | $1,925,000 |
| Application Approved But Not Accepted | 16 | $2,610,000 | $163,000 | $365,000 | $87,000 | $161,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| 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 | 603 | $117,785,000 | $195,000 | $1,865,000 | $141,000 | $1,925,000 |
| Collateral | 39 | $5,475,000 | $140,000 | $1,285,000 | $101,000 | $480,000 |
| Credit History | 33 | $3,315,000 | $100,000 | $415,000 | $82,000 | $338,000 |
| Debt-To-Income Ratio | 29 | $4,385,000 | $151,000 | $705,000 | $61,000 | $146,000 |
| Other | 12 | $1,430,000 | $119,000 | $485,000 | $122,000 | $428,000 |
| Credit Application Incomplete | 6 | $1,120,000 | $186,000 | $415,000 | $129,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $875,000 | $175,000 | $365,000 | $76,000 | $134,000 |
| Unverifiable Information | 3 | $335,000 | $111,000 | $165,000 | $62,000 | $84,000 |
| Employment History | 3 | $185,000 | $61,000 | $145,000 | $41,000 | $49,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About