In 2011, lenders reported 1,274 mortgage applications in Franklin County, NY totaling $127.0 million, down 2% from 2010. The average application was for $99,000, and applicants reported an average income of $72,000. 49% of applications resulted in an originated loan and 24% were denied. The most active lender was Community Bank, N.A., with 396 applications, followed by Wells Fargo Bank NA and Nbt 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 | 1,274 |
| Total Mortgage Loan Application Amount | $126,994,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,294,000 |
| 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 |
* | $ 5,419,722,000 | 396 | $ 25,344,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 97 | $ 13,128,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,302,543,000 | 90 | $ 6,402,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 60 | $ 5,642,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 54 | $ 6,491,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 47 | $ 5,807,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 42 | $ 4,779,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 35 | $ 3,990,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 195,101,367,000 | 27 | $ 2,418,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 26 | $ 1,640,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 22 | $ 2,373,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 22 | $ 3,858,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 19 | $ 1,446,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 2,789,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 16 | $ 1,411,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 16 | $ 1,733,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 527,948,000 | 14 | $ 1,258,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 13 | $ 1,490,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 1,878,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 12 | $ 1,374,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,493,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 548,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 10 | $ 778,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 10 | $ 913,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 8 | $ 333,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 7 | $ 1,121,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 7 | $ 379,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 759,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 4 | $ 871,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 4 | $ 909,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 4 | $ 358,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 509,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 3 | $ 248,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 15,180,000 | 3 | $ 324,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 506,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 1,641,129,000 | 3 | $ 382,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 555,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 30,804,513,000 | 3 | $ 819,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 354,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,469,196,000 | 3 | $ 195,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 3 | $ 429,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 2 | $ 129,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 2 | $ 201,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 2 | $ 458,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,118,108,000 | 2 | $ 205,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 698,861,000 | 2 | $ 483,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 1,113,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 2 | $ 735,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 70,506,963,000 | 2 | $ 309,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 292,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 126,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 347,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 2 | $ 249,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 2 | $ 225,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 379,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 296,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 228,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 150,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 44,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 133,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 87,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 137,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 86,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 75,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 11,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 250,000 |
| The National Union Bank of Kinderhook 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 248,057,000 | 1 | $ 205,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,449,065,000 | 1 | $ 58,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 205,014,000 | 1 | $ 94,000 |
| Fairport Savings Bank 45 SOUTH MAIN STREET FAIRPORT, NY 14450 |
* | $ 209,283,000 | 1 | $ 165,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 272,000 |
| First Federal Svg Bank Boston 100 BRICKSTONE SQUARE ANDOVER, MA 01810 |
* | $ 114,535,000 | 1 | $ 186,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 91,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,797,006,000 | 1 | $ 10,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 2,000,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 41,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 1 | $ 30,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 925,476,000 | 1 | $ 5,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 920,280,000 | 1 | $ 238,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 114,000 |
| Nationwide Equities Corporation 225 BRAE BLVD SUITE 202 PARK RIDGE, NJ 07656 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 24,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 108,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 133,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 32,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 1 | $ 273,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 86,911,000 | 1 | $ 109,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 48,000 |
| Beneficial Bank 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 4,922,436,000 | 1 | $ 25,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 198,117,000 | 1 | $ 184,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 148,000 |
The tables below break down 2011 mortgage applications in Franklin County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 574 | $69,468,000 | $121,000 | $2,000,000 | $77,000 | $1,294,000 |
| Home Purchase | 430 | $47,929,000 | $111,000 | $1,013,000 | $71,000 | $816,000 |
| Home Improvement | 270 | $9,597,000 | $35,000 | $625,000 | $63,000 | $1,011,000 |
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 | 1,100 | $106,992,000 | $97,000 | $2,000,000 | $73,000 | $1,294,000 |
| Not Provided | 82 | $11,882,000 | $144,000 | $1,013,000 | $97,000 | $932,000 |
| Not applicable | 38 | $4,045,000 | $106,000 | $417,000 | $12,000 | $177,000 |
| American Indian or Alaskan Native | 28 | $1,651,000 | $58,000 | $219,000 | $53,000 | $146,000 |
| Hispanic | 12 | $1,206,000 | $100,000 | $194,000 | $49,000 | $99,000 |
| Black or African American | 10 | $850,000 | $85,000 | $200,000 | $114,000 | $376,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $168,000 | $84,000 | $84,000 | $70,000 | $70,000 |
| Asian | 2 | $200,000 | $100,000 | $100,000 | $30,000 | $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) | 893 | $83,144,000 | $93,000 | $2,000,000 | $80,000 | $1,294,000 |
| FHA-insured (Federal Housing Administration) | 266 | $30,858,000 | $116,000 | $282,000 | $56,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $6,186,000 | $99,000 | $222,000 | $43,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 53 | $6,806,000 | $128,000 | $277,000 | $56,000 | $157,000 |
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 | 621 | $57,320,000 | $92,000 | $1,013,000 | $74,000 | $932,000 |
| Application Denied By Financial Institution | 311 | $29,488,000 | $94,000 | $2,000,000 | $71,000 | $1,294,000 |
| Loan Purchased By The Institution | 136 | $16,733,000 | $123,000 | $417,000 | $55,000 | $367,000 |
| Application Withdrawn By Applicant | 121 | $14,067,000 | $116,000 | $625,000 | $83,000 | $816,000 |
| Application Approved But Not Accepted | 49 | $4,819,000 | $98,000 | $335,000 | $69,000 | $400,000 |
| File Closed For Incompleteness | 36 | $4,567,000 | $126,000 | $308,000 | $73,000 | $196,000 |
| 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 | 78 | $4,175,000 | $53,000 | $360,000 | $80,000 | $1,011,000 |
| Collateral | 73 | $8,741,000 | $119,000 | $428,000 | $82,000 | $667,000 |
| Debt-To-Income Ratio | 55 | $6,441,000 | $117,000 | $2,000,000 | $43,000 | $130,000 |
| Other | 35 | $3,146,000 | $89,000 | $364,000 | $104,000 | $1,294,000 |
| Credit Application Incomplete | 11 | $1,031,000 | $93,000 | $208,000 | $40,000 | $83,000 |
| Unverifiable Information | 8 | $826,000 | $103,000 | $272,000 | $74,000 | $162,000 |
| Employment History | 4 | $123,000 | $30,000 | $58,000 | $28,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $705,000 | $176,000 | $209,000 | $112,000 | $143,000 |
| Mortgage Insurance Denied | 1 | $53,000 | $53,000 | $53,000 | $41,000 | $41,000 |
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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