Franklin County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 706 mortgage applications in Franklin County, NY totaling $116.3 million, down 30% from 2022. The average application was for $164,000, and applicants reported an average income of $109,000. 56% of applications resulted in an originated loan and 21% were denied. The most active lender was Community Bank, N.A., with 186 applications, followed by Nbt Bank NA and Homestead Funding Corp..
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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 | 706 |
| Total Mortgage Loan Application Amount | $116,290,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $12,655,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $1,376,000 |
* 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 |
* | $ 15,614,778,000 | 186 | $ 22,790,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,659,908,000 | 42 | $ 5,880,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 35 | $ 4,675,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 31 | $ 2,265,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 24 | $ 3,870,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 598,530,000 | 23 | $ 3,705,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 20 | $ 3,250,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 17 | $ 2,045,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 2,245,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 14 | $ 1,150,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 3,125,180,000 | 14 | $ 2,800,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 13 | $ 1,905,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 954,358,000 | 13 | $ 2,625,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 1,315,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 11 | $ 2,265,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 1,445,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 7,999,108,000 | 9 | $ 1,315,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 1,135,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 8 | $ 2,060,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 8 | $ 1,620,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,460,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 8 | $ 2,130,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 7 | $ 1,285,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 7 | $ 1,205,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 5 | $ 595,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 5 | $ 1,255,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,075,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 775,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 5 | $ 895,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 4 | $ 370,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 4 | $ 410,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 4 | $ 1,260,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 480,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 680,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 585,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 515,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,121,757,000 | 3 | $ 245,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 3 | $ 565,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 240,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 753,438,000 | 2 | $ 380,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 270,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 210,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 320,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,404,490,000 | 2 | $ 110,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 320,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 2 | $ 140,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 71,166,370,000 | 2 | $ 13,160,000 |
| Compass Federal Credit Union 7 4TH AVE OSWEGO, NY 13126 |
* | $ 90,240,000 | 1 | $ 55,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 65,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 385,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 205,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,696,102,000 | 1 | $ 125,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 1 | $ 425,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 65,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 455,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 175,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 506,511,000 | 1 | $ 145,000 |
| Byline Bank 180 N LASALLE STREET, SUITE 300 CHICAGO, IL 60601 |
* | $ 7,347,241,000 | 1 | $ 75,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 1 | $ 315,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 425,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 903,544,000 | 1 | $ 45,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,439,371,000 | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 55,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 305,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 165,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 45,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 385,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,691,880,000 | 1 | $ 135,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 965,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 45,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 1 | $ 295,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 265,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 308,118,000 | 1 | $ 225,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 895,584,000 | 1 | $ 255,000 |
The tables below break down 2023 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 2023
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 | 394 | $84,760,000 | $215,000 | $12,655,000 | $112,000 | $1,376,000 |
| Home Improvement | 123 | $9,425,000 | $76,000 | $325,000 | $107,000 | $1,097,000 |
| Other Purpose | 73 | $6,435,000 | $88,000 | $605,000 | $100,000 | $288,000 |
| Cash-out Refinancing | 62 | $9,580,000 | $154,000 | $425,000 | $102,000 | $402,000 |
| Refinancing | 54 | $6,090,000 | $112,000 | $505,000 | $109,000 | $600,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 557 | $79,455,000 | $142,000 | $965,000 | $106,000 | $1,376,000 |
| Not Provided | 73 | $12,635,000 | $173,000 | $1,115,000 | $121,000 | $744,000 |
| Not applicable | 42 | $19,580,000 | $466,000 | $12,655,000 | $101,000 | $160,000 |
| American Indian or Alaskan Native | 11 | $1,465,000 | $133,000 | $565,000 | $170,000 | $708,000 |
| Hispanic | 9 | $1,165,000 | $129,000 | $195,000 | $113,000 | $225,000 |
| Black or African American | 7 | $815,000 | $116,000 | $285,000 | $95,000 | $159,000 |
| Asian | 3 | $445,000 | $148,000 | $205,000 | $156,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $105,000 | $41,000 | $60,000 |
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) | 562 | $94,970,000 | $168,000 | $12,655,000 | $116,000 | $1,376,000 |
| FHA-insured (Federal Housing Administration) | 91 | $12,665,000 | $139,000 | $365,000 | $72,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 37 | $6,505,000 | $175,000 | $285,000 | $79,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,150,000 | $134,000 | $225,000 | $64,000 | $97,000 |
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 | 394 | $74,550,000 | $189,000 | $12,655,000 | $115,000 | $1,097,000 |
| Application Denied By Financial Institution | 147 | $14,765,000 | $100,000 | $535,000 | $82,000 | $708,000 |
| Application Withdrawn By Applicant | 84 | $14,350,000 | $170,000 | $1,025,000 | $133,000 | $1,376,000 |
| Loan Purchased By The Institution | 48 | $8,300,000 | $172,000 | $455,000 | $89,000 | $160,000 |
| Application Approved But Not Accepted | 19 | $2,055,000 | $108,000 | $215,000 | $84,000 | $272,000 |
| File Closed For Incompleteness | 14 | $2,270,000 | $162,000 | $425,000 | $106,000 | $267,000 |
| 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 | 558 | $101,470,000 | $181,000 | $12,655,000 | $116,000 | $1,376,000 |
| Debt-To-Income Ratio | 45 | $4,995,000 | $111,000 | $535,000 | $62,000 | $130,000 |
| Credit History | 35 | $3,135,000 | $89,000 | $255,000 | $81,000 | $210,000 |
| Collateral | 31 | $3,695,000 | $119,000 | $365,000 | $90,000 | $241,000 |
| Other | 17 | $1,035,000 | $60,000 | $145,000 | $114,000 | $708,000 |
| Credit Application Incomplete | 11 | $995,000 | $90,000 | $145,000 | $84,000 | $220,000 |
| Unverifiable Information | 3 | $205,000 | $68,000 | $85,000 | $70,000 | $101,000 |
| Employment History | 3 | $215,000 | $71,000 | $155,000 | $132,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $545,000 | $181,000 | $315,000 | $82,000 | $124,000 |
| 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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