Franklin County, NY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 973 mortgage applications in Franklin County, NY totaling $124.9 million, up 2% from 2018. The average application was for $128,000, and applicants reported an average income of $99,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was Community Bank, N.A., with 202 applications, followed by Nbt Bank NA and Keybank National Association.

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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 973
Total Mortgage Loan Application Amount $124,865,000
Average Mortgage Loan Application Amount $128,000
Highest Mortgage Loan Application Amount $1,805,000
Average Applicant Income $99,000
Highest Applicant Income $6,204,000

Mortgage Company List for Lending in Franklin County, NY for 2019

* 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
* $ 10,412,127,000 202 $ 20,400,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,492,332,000 69 $ 8,665,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 63 $ 5,165,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 46 $ 5,220,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 34 $ 3,870,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 30 $ 2,690,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 29 $ 4,425,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 26 $ 3,210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 22 $ 1,400,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 22 $ 3,550,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 18 $ 2,090,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 821,445,000 17 $ 1,965,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 2,225,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 2,444,624,000 13 $ 2,565,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 13 $ 1,405,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 12 $ 1,240,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 10 $ 1,220,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 10 $ 820,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,280,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 9 $ 725,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,195,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 1,020,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 302,668,929,000 6 $ 1,450,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 6 $ 840,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 1,015,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 5 $ 915,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 655,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 885,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 5 $ 445,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 955,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 4 $ 1,080,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 4 $ 500,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 4 $ 260,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 4 $ 390,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ 253,055,000 4 $ 430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 4 $ 1,470,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,755,479,000 4 $ 120,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 4 $ 1,310,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 4 $ 570,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 345,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,578,708,000 3 $ 315,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 3 $ 495,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 685,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,848,430,000 3 $ 565,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 192,527,000 3 $ 415,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 3 $ 555,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 3 $ 235,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 3 $ 2,135,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 475,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 205,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 410,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 2 $ 390,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 150,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 370,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,802,931,000 2 $ 60,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 2 $ 270,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 2 $ 130,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 2 $ 350,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 11,226,544,000 2 $ 130,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 190,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 130,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 180,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 170,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 2 $ 310,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 250,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 210,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 230,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 130,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 290,000
Berkshire Bank

ALBANY, NY 12207
* $ 12,187,936,000 2 $ 490,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 280,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 4,951,637,000 1 $ 155,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 85,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 115,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 1 $ 55,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 30,737,643,000 1 $ 1,255,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 125,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 195,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,081,698,000 1 $ 135,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 85,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 473,202,000 1 $ 55,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 95,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,408,923,000 1 $ 65,000
Prudential Multifamily Mortgage, LLC
751 BROAD ST
NEWARK, NJ 7102
* $ -1,000 1 $ 1,625,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 295,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 165,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 275,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 1 $ 185,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 1 $ 115,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 265,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 31,829,272,000 1 $ 1,805,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ -1,000 1 $ 105,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 45,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 1 $ 105,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 105,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 1 $ 15,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 85,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 1,805,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 77,243,612,000 1 $ 55,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 85,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 35,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 265,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 587,964,000 1 $ 65,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 47,601,600,000 1 $ 1,805,000

The tables below break down 2019 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 2019

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 493 $70,545,000 $143,000 $1,625,000 $108,000 $6,204,000
Refinancing 179 $21,185,000 $118,000 $1,255,000 $73,000 $225,000
Home Improvement 100 $6,610,000 $66,000 $755,000 $87,000 $480,000
Cash-out Refinancing 98 $14,460,000 $147,000 $805,000 $92,000 $350,000
Other Purpose 88 $10,770,000 $122,000 $1,805,000 $123,000 $1,270,000
Not Applicable 15 $1,295,000 $86,000 $235,000 $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 763 $90,765,000 $118,000 $1,805,000 $98,000 $6,204,000
Not Provided 91 $16,675,000 $183,000 $1,805,000 $119,000 $1,179,000
Not applicable 86 $14,070,000 $163,000 $1,625,000 $66,000 $108,000
American Indian or Alaskan Native 26 $2,130,000 $81,000 $285,000 $66,000 $135,000
Asian 3 $775,000 $258,000 $485,000 $167,000 $317,000
Black or African American 2 $230,000 $115,000 $125,000 $54,000 $68,000
Hispanic 1 $165,000 $165,000 $165,000 $132,000 $132,000
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) 687 $91,195,000 $132,000 $1,805,000 $111,000 $6,204,000
FHA-insured (Federal Housing Administration) 151 $16,385,000 $108,000 $285,000 $58,000 $168,000
VA-guaranteed (Veterans Administration) 74 $11,520,000 $155,000 $415,000 $71,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $5,765,000 $94,000 $165,000 $48,000 $92,000

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 511 $67,965,000 $133,000 $1,625,000 $93,000 $1,179,000
Application Denied By Financial Institution 202 $24,080,000 $119,000 $1,805,000 $91,000 $1,270,000
Loan Purchased By The Institution 98 $12,690,000 $129,000 $485,000 $77,000 $166,000
Application Withdrawn By Applicant 97 $11,415,000 $117,000 $1,005,000 $141,000 $6,204,000
File Closed For Incompleteness 39 $4,825,000 $123,000 $505,000 $96,000 $542,000
Application Approved But Not Accepted 26 $3,890,000 $149,000 $1,005,000 $127,000 $750,000
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
Not applicable 771 $100,785,000 $130,000 $1,625,000 $101,000 $6,204,000
Credit History 53 $3,435,000 $64,000 $205,000 $64,000 $211,000
Collateral 52 $7,310,000 $140,000 $1,805,000 $120,000 $1,270,000
Debt-To-Income Ratio 42 $6,970,000 $165,000 $1,805,000 $84,000 $911,000
Credit Application Incomplete 18 $2,000,000 $111,000 $285,000 $74,000 $140,000
Other 14 $2,600,000 $185,000 $1,805,000 $145,000 $907,000
Unverifiable Information 12 $650,000 $54,000 $115,000 $94,000 $480,000
Insufficient Cash (Downpayment, Closing Cost) 8 $950,000 $118,000 $375,000 $75,000 $148,000
Employment History 2 $130,000 $65,000 $105,000 $71,000 $83,000
Mortgage Insurance Denied 1 $35,000 $35,000 $35,000 $36,000 $36,000

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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