Franklin County, NY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,002 mortgage applications in Franklin County, NY totaling $168.8 million, down 25% from 2021. The average application was for $168,000, and applicants reported an average income of $107,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Community Bank, N.A., with 174 applications, followed by Homestead Funding Corp. and Nbt Bank NA.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,002
Total Mortgage Loan Application Amount $168,750,000
Average Mortgage Loan Application Amount $168,000
Highest Mortgage Loan Application Amount $4,835,000
Average Applicant Income $107,000
Highest Applicant Income $2,134,000

Mortgage Company List for Lending in Franklin County, NY for 2022

* 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
* $ 15,323,828,000 174 $ 21,720,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 58 $ 7,360,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,919,970,000 58 $ 5,780,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 51 $ 5,235,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 42 $ 8,490,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 27 $ 3,625,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 25 $ 11,155,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 25 $ 3,075,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 24 $ 4,710,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 21 $ 5,715,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 20 $ 2,640,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 958,373,000 17 $ 4,155,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 16 $ 3,380,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ 434,590,000 16 $ 2,030,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 13 $ 2,125,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,465,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 3,170,096,000 12 $ 2,210,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 12 $ 1,430,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 12 $ 1,630,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 11 $ 775,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 1,855,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 11 $ 1,375,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 10 $ 4,340,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 9 $ 935,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 9 $ 775,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 845,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 1,410,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 945,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 7 $ 985,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,455,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 7 $ 1,385,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 605,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,110,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 950,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 5 $ 905,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 795,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 855,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,541,059,000 4 $ 580,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 4 $ 1,170,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 4 $ 390,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 500,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 2,780,799,000 3 $ 395,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 3 $ 775,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 5,447,073,000 3 $ 285,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 505,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 675,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 3 $ 685,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 3 $ 425,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 3 $ 325,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 3 $ 665,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 125,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 365,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 250,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 1,698,702,000 2 $ 3,100,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 38,107,223,000 2 $ 1,910,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 4,151,137,000 2 $ 960,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 320,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 2 $ 310,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 470,000
Pathfinder Bank
214 WEST 1ST STREET
OSWEGO, NY 13126
* $ 1,281,614,000 2 $ 60,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 2 $ 300,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 210,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 2,938,711,000 2 $ 460,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 90,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 2 $ 470,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 2 $ 1,690,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 240,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 224,015,000 2 $ 120,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,413,407,000 1 $ 385,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 788,114,000 1 $ 95,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 345,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 205,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 185,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 285,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 55,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 605,000
Kenmore N.Y. Teachers Federal Credit Union
2265 SHERIDAN DR
BUFFALO, NY 14223
* $ 59,616,000 1 $ 115,000
Unity Bank
64 OLD HIGHWAY 22
CLINTON, NJ 08809
* $ 2,022,383,000 1 $ 1,955,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 395,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 9,196,967,000 1 $ 185,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 375,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 305,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 95,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 145,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 1 $ 755,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 466,805,000 1 $ 215,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,136,862,000 1 $ 125,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,626,303,000 1 $ 165,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 703,311,000 1 $ 105,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 235,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 897,680,000 1 $ 205,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 1 $ 135,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ -1,000 1 $ 4,835,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,657,985,000 1 $ 95,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 25,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 125,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,548,730,000 1 $ 225,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 195,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 904,564,000 1 $ 185,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 101,845,032,000 1 $ 155,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 125,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 1 $ 55,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 165,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 235,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 105,000

The tables below break down 2022 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 2022

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 564 $117,130,000 $207,000 $4,835,000 $114,000 $2,134,000
Refinancing 152 $18,000,000 $118,000 $1,605,000 $92,000 $1,319,000
Cash-out Refinancing 113 $16,765,000 $148,000 $1,255,000 $85,000 $904,000
Home Improvement 83 $6,635,000 $79,000 $555,000 $111,000 $636,000
Other Purpose 80 $9,500,000 $118,000 $1,005,000 $115,000 $1,070,000
Not Applicable 10 $720,000 $72,000 $225,000 $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 795 $132,025,000 $166,000 $2,645,000 $108,000 $2,134,000
Not Provided 84 $13,400,000 $159,000 $475,000 $99,000 $373,000
Not applicable 81 $17,305,000 $213,000 $4,835,000 $110,000 $175,000
American Indian or Alaskan Native 17 $2,275,000 $133,000 $375,000 $76,000 $156,000
Hispanic 16 $2,640,000 $165,000 $495,000 $140,000 $636,000
Black or African American 5 $335,000 $67,000 $105,000 $77,000 $140,000
Asian 4 $770,000 $192,000 $235,000 $131,000 $173,000
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) 763 $133,975,000 $175,000 $4,835,000 $117,000 $2,134,000
FHA-insured (Federal Housing Administration) 150 $20,770,000 $138,000 $385,000 $66,000 $186,000
VA-guaranteed (Veterans Administration) 55 $9,295,000 $169,000 $365,000 $75,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $4,710,000 $138,000 $475,000 $55,000 $80,000

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 528 $93,420,000 $176,000 $4,835,000 $112,000 $1,250,000
Application Denied By Financial Institution 180 $21,360,000 $118,000 $1,005,000 $70,000 $325,000
Application Withdrawn By Applicant 122 $23,760,000 $194,000 $2,645,000 $115,000 $1,250,000
Loan Purchased By The Institution 106 $18,090,000 $170,000 $1,475,000 $112,000 $1,072,000
File Closed For Incompleteness 38 $7,770,000 $204,000 $1,955,000 $153,000 $2,134,000
Application Approved But Not Accepted 24 $3,770,000 $157,000 $805,000 $147,000 $1,319,000
Preapproval Approved but not Accepted 4 $580,000 $145,000 $185,000 $58,000 $80,000
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 818 $139,340,000 $170,000 $2,645,000 $114,000 $2,134,000
Credit History 51 $5,385,000 $105,000 $395,000 $73,000 $173,000
Debt-To-Income Ratio 50 $12,980,000 $259,000 $4,835,000 $91,000 $1,177,000
Collateral 42 $5,380,000 $128,000 $375,000 $77,000 $325,000
Credit Application Incomplete 17 $3,265,000 $192,000 $1,005,000 $65,000 $144,000
Other 16 $1,710,000 $106,000 $195,000 $83,000 $167,000
Insufficient Cash (Downpayment, Closing Cost) 4 $410,000 $102,000 $145,000 $80,000 $115,000
Unverifiable Information 3 $205,000 $68,000 $85,000 $37,000 $54,000
Employment History 1 $75,000 $75,000 $75,000 $61,000 $61,000
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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