Franklin County NY
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Unlock detailed Franklin County NY mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in New York.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 186 | $ 22,790,000 |
| NBT BANK, NATIONAL ASSOCIATION 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, NATIONAL ASSOCIATION 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 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 20 | $ 3,250,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,418,508,000,000 | 17 | $ 2,045,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 15 | $ 2,245,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 129,461,046,000 | 14 | $ 1,150,000 |
| GLENS FALLS NATIONAL BANK AND TRUST COMPANY 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 3,125,180,000 | 14 | $ 2,800,000 |
| MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ -1,000 | 13 | $ 1,905,000 |
| ADIRONDACK BANK 185 GENESEE ST UTICA, NY 13501 |
* | $ 954,358,000 | 13 | $ 2,625,000 |
| U.S. BANK NATIONAL ASSOCIATION 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 STE 300 WILMINGTON, DE 06540 |
* | $ -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 CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 9 | $ 1,135,000 |
| SEFCU SERVICES, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12206 |
* | $ -1,000 | 8 | $ 2,060,000 |
| PARAGON HOME LOANS INC. 5010 CAMPUSWOOD DR, STE. 205 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 8 | $ 1,620,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 8 | $ 1,460,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 8 | $ 2,130,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,717,531,000,000 | 7 | $ 1,285,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 7 | $ 1,205,000 |
| BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 201 S. 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, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 5 | $ 1,075,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 775,000 |
| ABSOLUTE HOME MORTGAGE CORPORATION 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 5 | $ 895,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 3,601,623,000 | 4 | $ 370,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 35,526,360,000 | 4 | $ 410,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 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, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 4 | $ 680,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 3 | $ 585,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 3 | $ 235,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ -1,000 | 3 | $ 515,000 |
| SUNMARK CREDIT UNION 1187 TROY SCHENECTADY ROAD ALBANY, NY 12110 |
* | $ 1,121,757,000 | 3 | $ 245,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 200,262,969,000 | 3 | $ 565,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ -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 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 2 | $ 210,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 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 459 BROADWAY, FLOOR 5 GLENDALE, CA 10013 |
* | $ -1,000 | 2 | $ 320,000 |
| BETHPAGE FEDERAL CREDIT UNION 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 2 | $ 140,000 |
| WEBSTER BANK, NATIONAL ASSOCIATION 145 BANK STREET STAMFORD, CT 06702 |
* | $ 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 GLEN ALLEN, 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 |
| THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 1 | $ 425,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 65,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,766,752,000,000 | 1 | $ 455,000 |
| A&D MORTGAGE LLC 1040 S. FEDERAL HWY HOLLYWOOD, FL 33020 |
* | $ -1,000 | 1 | $ 175,000 |
| THE 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 |
| HOME TOWN FUNDING, INC. 63 A MONROE AVENUE CANANDAIGUA, NY 14534 |
* | $ -1,000 | 1 | $ 425,000 |
| NORTH COUNTRY PO BOX 64709 SOUTH 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, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE NEW YORK, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 305,000 |
| CONTOUR MORTGAGE CORPORATION 990 STEWART AVENUE STE#660 DOVER, DE 11530 |
* | $ -1,000 | 1 | $ 165,000 |
| CLICK N' CLOSE, INC. 15301 SPECTRUM DRIVE, SUITE 405 ROCKY RIVER, OH 75001 |
* | $ -1,000 | 1 | $ 145,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 90,036,656,000 | 1 | $ 45,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 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 WHITING, 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 46250 |
* | $ -1,000 | 1 | $ 85,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 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 AND TRUST COMPANY 171 S BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 895,584,000 | 1 | $ 255,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2023, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.