Hamilton County, NY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 296 mortgage applications in Hamilton County, NY totaling $168.4 million, about the same as 2012. The average application was for $568,000, and applicants reported an average income of $120,000. 55% of applications resulted in an originated loan and 25% were denied. The most active lender was Community Bank, N.A., with 29 applications, followed by Nbt Bank NA and Wells Fargo 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 | 296 |
| Total Mortgage Loan Application Amount | $168,410,000 |
| Average Mortgage Loan Application Amount | $568,000 |
| Highest Mortgage Loan Application Amount | $89,297,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $1,296,000 |
* 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 |
* | $ 7,470,683,000 | 29 | $ 3,949,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,986,046,000 | 27 | $ 1,890,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 21 | $ 3,334,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 586,241,000 | 19 | $ 3,792,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 14 | $ 3,260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 13 | $ 1,776,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 8 | $ 1,123,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 8 | $ 1,508,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 1,057,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 6 | $ 1,199,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 6 | $ 661,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,081,838,000 | 6 | $ 1,042,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 5 | $ 640,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 525,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 174,646,000 | 4 | $ 362,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,751,448,000 | 4 | $ 861,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 540,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 4 | $ 678,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 1,111,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 36,871,280,000 | 4 | $ 542,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 4 | $ 607,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 3 | $ 450,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 734,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 725,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 2 | $ 421,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 4,430,539,000 | 2 | $ 258,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 2 | $ 391,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 374,262,000 | 2 | $ 246,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 186,789,896,000 | 2 | $ 161,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 122,458,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 661,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 2 | $ 186,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 2 | $ 47,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 363,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 2 | $ 164,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 191,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 421,160,000 | 1 | $ 164,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 189,000 |
| Signature Bank 565 5TH AVENUE - FL 8 NEW YORK, NY 10017 |
* | $ 17,456,055,000 | 1 | $ 125,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 1,716,629,000 | 1 | $ 70,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 979,843,000 | 1 | $ 200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 410,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 350,848,000 | 1 | $ 184,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 1,952,648,000 | 1 | $ 60,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,128,358,000 | 1 | $ 350,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 693,210,000 | 1 | $ 158,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 134,258,000 | 1 | $ 174,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Mcs Mortgage Bankers, Inc. 20 OAK STREET PATCHOGUE, NY 11772 |
* | $ 4,785,307,000 | 1 | $ 127,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 759,327,000 | 1 | $ 240,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ 10,000,000 | 1 | $ 215,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 133,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 347,155,000 | 1 | $ 69,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 189,963,000 | 1 | $ 110,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 402,049,000 | 1 | $ 192,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 1 | $ 119,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 103,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 331,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 302,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 83,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 89,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 158,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 48,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 58,000 |
| First Federal Svg Bank Boston 100 BRICKSTONE SQUARE ANDOVER, MA 01810 |
* | $ 91,008,000 | 1 | $ 337,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 162,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 252,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,269,975,000 | 1 | $ 92,000 |
| Bridgeway Federal Credit Union 21 BURNETT BLVD, STE 2 POUGHKEEPSIE, NY 12603 |
* | $ 72,481,000 | 1 | $ 226,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 130,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 55,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 225,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 105,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 237,000 |
The tables below break down 2013 mortgage applications in Hamilton 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 Hamilton County, NY in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 157 | $148,387,000 | $945,000 | $89,297,000 | $114,000 | $1,296,000 |
| Home Purchase | 102 | $17,309,000 | $169,000 | $517,000 | $143,000 | $968,000 |
| Home Improvement | 37 | $2,714,000 | $73,000 | $331,000 | $82,000 | $335,000 |
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 | 249 | $38,515,000 | $154,000 | $560,000 | $127,000 | $1,296,000 |
| Not Provided | 28 | $4,778,000 | $170,000 | $446,000 | $121,000 | $943,000 |
| Not applicable | 16 | $124,604,000 | $7,787,000 | $89,297,000 | $21,000 | $350,000 |
| Hispanic | 3 | $513,000 | $171,000 | $195,000 | $79,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 253 | $39,236,000 | $155,000 | $560,000 | $133,000 | $1,296,000 |
| FHA-insured (Federal Housing Administration) | 26 | $126,502,000 | $4,865,000 | $89,297,000 | $48,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,891,000 | $171,000 | $358,000 | $42,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $781,000 | $130,000 | $151,000 | $31,000 | $53,000 |
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 | 162 | $26,108,000 | $161,000 | $517,000 | $133,000 | $968,000 |
| Application Denied By Financial Institution | 74 | $10,008,000 | $135,000 | $560,000 | $91,000 | $370,000 |
| Loan Purchased By The Institution | 21 | $125,621,000 | $5,981,000 | $89,297,000 | $45,000 | $350,000 |
| Application Approved But Not Accepted | 16 | $2,614,000 | $163,000 | $370,000 | $217,000 | $1,296,000 |
| Application Withdrawn By Applicant | 12 | $2,531,000 | $210,000 | $446,000 | $161,000 | $385,000 |
| File Closed For Incompleteness | 11 | $1,528,000 | $138,000 | $350,000 | $87,000 | $280,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $2,511,000 | $109,000 | $259,000 | $83,000 | $335,000 |
| Collateral | 13 | $2,242,000 | $172,000 | $414,000 | $93,000 | $312,000 |
| Credit History | 12 | $1,213,000 | $101,000 | $332,000 | $66,000 | $202,000 |
| Credit Application Incomplete | 7 | $831,000 | $118,000 | $202,000 | $132,000 | $287,000 |
| Other | 7 | $1,508,000 | $215,000 | $560,000 | $106,000 | $370,000 |
| Unverifiable Information | 3 | $471,000 | $157,000 | $173,000 | $94,000 | $166,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $127,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $119,000 | $119,000 | $119,000 | $275,000 | $275,000 |
| 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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