Franklin County, NY Mortgage Lenders & HMDA Data, 2011

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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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 Company List for Lending in Franklin County, NY for 2011

* 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
* $ 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.

Mortgage Loan Application Detail Totals for Franklin County, NY in 2011

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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