Franklin County, NY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,407 mortgage applications in Franklin County, NY totaling $143.6 million, up 10% from 2011. The average application was for $102,000, and applicants reported an average income of $84,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Bank, N.A., with 476 applications, followed by Wells Fargo Bank NA and Nbt Bank NA.

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Total Number of Mortgage Applications 1,407
Total Mortgage Loan Application Amount $143,593,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $84,000
Highest Applicant Income $3,026,000

Mortgage Company List for Lending in Franklin County, NY for 2012

* 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
* $ 6,460,589,000 476 $ 30,151,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 114 $ 14,186,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,558,535,000 107 $ 7,693,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 61 $ 6,397,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 59 $ 6,746,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 50 $ 5,297,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 43 $ 4,963,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 41 $ 3,537,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 33 $ 4,028,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 24 $ 3,166,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 23 $ 1,440,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 20 $ 5,539,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 32,750,610,000 18 $ 2,328,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 580,713,000 18 $ 2,606,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 18 $ 1,675,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 16 $ 1,184,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 12 $ 655,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 11 $ 900,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 10 $ 1,486,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 9 $ 1,013,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 9 $ 339,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 8 $ 405,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 981,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 7 $ 902,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 7 $ 4,450,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 1,017,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 6 $ 1,018,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 6 $ 763,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 5 $ 1,035,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 5 $ 1,725,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 5 $ 410,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 716,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 5 $ 658,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 742,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 915,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 4 $ 467,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 1,674,323,000 3 $ 458,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 3 $ 263,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 3 $ 53,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 3 $ 449,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,032,359,000 3 $ 371,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 385,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 3 $ 369,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 3 $ 262,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 3 $ 373,000
Beneficial Bank
1818 MARKET STREET
PHILADELPHIA, PA 19103
* $ 4,590,203,000 2 $ 64,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 293,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 468,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 364,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 2 $ 176,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 2 $ 350,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 2 $ 432,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 2 $ 1,018,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 1 $ 135,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 54,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 104,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 68,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 90,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 174,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 166,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 120,000
Alliance Bank NA
120 MADISON STREET
SYRACUSE, NY 13202
* $ 1,403,481,000 1 $ 110,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 131,079,000 1 $ 140,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,975,877,000 1 $ 50,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,179,394,000 1 $ 86,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 255,171,000 1 $ 269,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 1 $ 134,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 4,505,104,000 1 $ 945,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 325,803,000 1 $ 300,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,434,762,000 1 $ 72,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 191,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 60,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 1 $ 147,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 101,534,000 1 $ 54,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 60,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,316,124,000 1 $ 142,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 528,308,000 1 $ 50,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 897,588,000 1 $ 50,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 196,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 1 $ 12,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 623,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 1 $ 128,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 1 $ 90,000
The Northern Trust Co
50 S. LA SALLE
CHICAGO, IL 60603
* $ 99,831,232,000 1 $ 1,222,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 95,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 119,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 243,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 96,000
Chicago Bancorp
300 N ELIZABETH STREET STUITE 3E
CHICAGO, IL 60607
* $ 10,000,000 1 $ 132,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 114,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 1 $ 32,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,172,543,000 1 $ 20,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 227,334,000 1 $ 100,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,565,020,000 1 $ 64,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 363,539,000 1 $ 96,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ 10,000,000 1 $ 122,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 164,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 124,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 33,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 151,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 124,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 223,000

The tables below break down 2012 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 2012

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 620 $76,024,000 $122,000 $2,000,000 $88,000 $2,000,000
Home Purchase 455 $54,672,000 $120,000 $1,500,000 $95,000 $3,026,000
Home Improvement 332 $12,897,000 $38,000 $417,000 $62,000 $351,000

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 1,216 $114,718,000 $94,000 $1,313,000 $76,000 $998,000
Not Provided 86 $16,678,000 $193,000 $1,500,000 $247,000 $3,026,000
Not applicable 65 $6,498,000 $99,000 $362,000 $2,000 $140,000
American Indian or Alaskan Native 24 $1,531,000 $63,000 $239,000 $53,000 $190,000
Hispanic 12 $3,850,000 $320,000 $2,000,000 $269,000 $2,000,000
Native Hawaiian or Other Pacific Islander 3 $229,000 $76,000 $106,000 $67,000 $123,000
Black or African American 1 $89,000 $89,000 $89,000 $76,000 $76,000
Asian 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) 1,044 $103,265,000 $98,000 $2,000,000 $97,000 $3,026,000
FHA-insured (Federal Housing Administration) 236 $25,696,000 $108,000 $285,000 $47,000 $173,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $6,337,000 $91,000 $222,000 $36,000 $74,000
VA-guaranteed (Veterans Administration) 58 $8,295,000 $143,000 $343,000 $59,000 $283,000

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 769 $69,484,000 $90,000 $1,313,000 $80,000 $998,000
Application Denied By Financial Institution 272 $25,721,000 $94,000 $2,000,000 $73,000 $2,000,000
Loan Purchased By The Institution 153 $17,175,000 $112,000 $362,000 $39,000 $383,000
Application Withdrawn By Applicant 110 $16,381,000 $148,000 $1,500,000 $181,000 $3,026,000
Application Approved But Not Accepted 65 $9,803,000 $150,000 $945,000 $116,000 $1,557,000
File Closed For Incompleteness 38 $5,029,000 $132,000 $417,000 $86,000 $400,000
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
Collateral 75 $10,354,000 $138,000 $2,000,000 $121,000 $2,000,000
Credit History 70 $3,662,000 $52,000 $175,000 $51,000 $204,000
Debt-To-Income Ratio 60 $5,753,000 $95,000 $417,000 $58,000 $636,000
Credit Application Incomplete 9 $939,000 $104,000 $227,000 $73,000 $135,000
Other 8 $595,000 $74,000 $186,000 $75,000 $162,000
Insufficient Cash (Downpayment, Closing Cost) 7 $770,000 $110,000 $178,000 $63,000 $114,000
Employment History 5 $429,000 $85,000 $147,000 $61,000 $107,000
Unverifiable Information 2 $143,000 $71,000 $137,000 $58,000 $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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