Franklin County, NY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,103 mortgage applications in Franklin County, NY totaling $114.0 million, up 3% from 2016. The average application was for $103,000, and applicants reported an average income of $77,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 271 applications, followed by Keybank National Association 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 | 1,103 |
| Total Mortgage Loan Application Amount | $113,983,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $5,146,000 |
* 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 |
* | $ 8,604,114,000 | 271 | $ 18,481,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 61 | $ 2,720,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,792,872,000 | 49 | $ 5,416,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 45 | $ 4,589,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 42 | $ 6,475,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 33 | $ 3,959,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 27 | $ 3,376,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 23 | $ 3,044,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 21 | $ 2,080,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 21 | $ 321,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 18 | $ 2,080,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 18 | $ 1,509,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 18 | $ 1,884,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 16 | $ 1,359,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 1,634,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 1,565,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 7,568,756,000 | 14 | $ 372,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 1,787,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 13 | $ 1,977,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 2,158,385,000 | 13 | $ 3,489,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 12 | $ 990,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 12 | $ 954,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 12 | $ 1,438,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 11 | $ 1,244,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 11 | $ 1,736,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 11 | $ 1,947,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 778,379,000 | 11 | $ 1,141,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 11 | $ 1,159,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 10 | $ 1,860,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 934,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 7 | $ 717,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 6 | $ 734,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 6 | $ 1,511,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 5 | $ 573,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 5 | $ 324,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 5 | $ 706,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 269,030,606,000 | 5 | $ 250,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 136,031,000 | 4 | $ 652,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 254,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 4 | $ 349,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 227,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 283,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 516,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 3 | $ 232,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 352,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 270,840,000 | 3 | $ 207,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 747,955,000 | 3 | $ 491,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 3 | $ 505,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 689,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 384,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 214,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 521,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 2 | $ 172,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 2 | $ 344,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 2 | $ 170,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 19,227,800,000 | 2 | $ 286,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 2 | $ 256,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 44,000 |
| Northway Bank CAMDEN, ME 04856 |
* | $ 884,984,000 | 2 | $ 30,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 150,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 2 | $ 290,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 216,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 251,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 2 | $ 145,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 562,370,000 | 1 | $ 138,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,543,898,000 | 1 | $ 400,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 523,026,000 | 1 | $ 250,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 1 | $ 115,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 78,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 180,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,294,045,000 | 1 | $ 96,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 399,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 176,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 120,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 9,119,415,000 | 1 | $ 1,408,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 48,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 69,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,091,045,000 | 1 | $ 75,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 24,452,112,000 | 1 | $ 700,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 955,903,000 | 1 | $ 294,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,848,531,000 | 1 | $ 175,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 29,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 1 | $ 35,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 120,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 1 | $ 153,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 241,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 1 | $ 13,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 51,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 1 | $ 175,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 325,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 34,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 141,000 |
The tables below break down 2017 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 2017
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 | 533 | $72,149,000 | $135,000 | $1,900,000 | $89,000 | $5,146,000 |
| Refinancing | 292 | $34,636,000 | $118,000 | $445,000 | $71,000 | $533,000 |
| Home Improvement | 278 | $7,198,000 | $25,000 | $450,000 | $60,000 | $301,000 |
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 | 864 | $87,037,000 | $100,000 | $1,900,000 | $76,000 | $1,024,000 |
| Not applicable | 96 | $10,669,000 | $111,000 | $540,000 | $17,000 | $133,000 |
| Not Provided | 86 | $12,920,000 | $150,000 | $850,000 | $168,000 | $5,146,000 |
| American Indian or Alaskan Native | 37 | $1,774,000 | $47,000 | $164,000 | $62,000 | $208,000 |
| Hispanic | 8 | $782,000 | $97,000 | $220,000 | $79,000 | $245,000 |
| Asian | 6 | $445,000 | $74,000 | $125,000 | $32,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $128,000 | $32,000 | $85,000 | $55,000 | $69,000 |
| Black or African American | 2 | $228,000 | $114,000 | $128,000 | $46,000 | $52,000 |
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) | 732 | $74,603,000 | $101,000 | $1,900,000 | $91,000 | $5,146,000 |
| FHA-insured (Federal Housing Administration) | 227 | $22,909,000 | $100,000 | $280,000 | $47,000 | $462,000 |
| VA-guaranteed (Veterans Administration) | 95 | $11,775,000 | $123,000 | $305,000 | $59,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $4,696,000 | $95,000 | $188,000 | $31,000 | $70,000 |
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 | 566 | $60,969,000 | $107,000 | $1,900,000 | $89,000 | $5,146,000 |
| Application Denied By Financial Institution | 250 | $18,679,000 | $74,000 | $850,000 | $65,000 | $528,000 |
| Loan Purchased By The Institution | 117 | $12,970,000 | $110,000 | $325,000 | $28,000 | $155,000 |
| Application Withdrawn By Applicant | 87 | $12,033,000 | $138,000 | $600,000 | $96,000 | $462,000 |
| File Closed For Incompleteness | 46 | $4,806,000 | $104,000 | $399,000 | $63,000 | $294,000 |
| Application Approved But Not Accepted | 37 | $4,526,000 | $122,000 | $445,000 | $95,000 | $533,000 |
| 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 | 67 | $2,592,000 | $38,000 | $445,000 | $62,000 | $301,000 |
| Debt-To-Income Ratio | 57 | $3,352,000 | $58,000 | $400,000 | $46,000 | $194,000 |
| Collateral | 37 | $4,730,000 | $127,000 | $850,000 | $100,000 | $528,000 |
| Credit Application Incomplete | 28 | $2,626,000 | $93,000 | $200,000 | $75,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $885,000 | $98,000 | $160,000 | $45,000 | $118,000 |
| Other | 4 | $438,000 | $109,000 | $188,000 | $150,000 | $358,000 |
| Unverifiable Information | 4 | $234,000 | $58,000 | $130,000 | $102,000 | $208,000 |
| Employment History | 2 | $215,000 | $107,000 | $212,000 | $26,000 | $39,000 |
| 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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