Hamilton County, NY Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 459 mortgage applications in Hamilton County, NY totaling $93.8 million, up 15% from 2020. The average application was for $204,000, and applicants reported an average income of $150,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was Community Bank, N.A., with 52 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 459
Total Mortgage Loan Application Amount $93,765,000
Average Mortgage Loan Application Amount $204,000
Highest Mortgage Loan Application Amount $1,405,000
Average Applicant Income $150,000
Highest Applicant Income $1,823,000

Mortgage Company List for Lending in Hamilton County, NY for 2021

* 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
* $ 11,209,976,000 52 $ 9,000,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,642,935,000 26 $ 4,260,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 24 $ 4,510,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 20 $ 4,120,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 18 $ 3,030,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 815,388,000 17 $ 3,855,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 16 $ 2,740,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 11 $ 2,685,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 2,105,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 9 $ 1,615,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 2,245,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 4,055,933,000 9 $ 815,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 2,564,325,000 9 $ 3,255,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 8 $ 2,820,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 7 $ 1,235,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 740,218,000 7 $ 1,655,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,440,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 1,305,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,814,188,000 5 $ 645,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 710,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 700,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 4 $ 1,940,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,943,306,000 4 $ 450,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 1,120,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 4 $ 690,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 1,000,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,954,367,000 4 $ 700,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 5,220,288,000 3 $ 565,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 656,261,000 3 $ 385,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 565,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 235,855,000 3 $ 355,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,163,579,000 3 $ 305,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 785,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 3 $ 1,085,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 130,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ -1,000 2 $ 360,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 310,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 2 $ 270,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 2 $ 570,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 420,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 470,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 330,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 410,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 480,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 2 $ 290,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 450,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 2 $ 340,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ 309,144,000 2 $ 560,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 540,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 2 $ 510,000
Berkshire Bank

ALBANY, NY 12207
* $ 13,181,399,000 2 $ 1,080,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 2 $ 270,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 2 $ 420,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 465,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 245,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 265,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 235,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 9,467,660,000 1 $ 105,000
Seneca Savings
35 OSWEGO ST.
BALDWINSVILLE, NY 13027
* $ 210,294,000 1 $ 505,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 515,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,998,725,000 1 $ 165,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 175,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 1 $ 105,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 265,000
Provident Bank
239 WASHINGTON STREET
JERSEY CITY, NJ 07302
* $ 9,807,688,000 1 $ 85,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 1 $ 785,000
Millenium Home Mortgage
40 BALDWIN ROAD
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 545,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 215,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 295,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 584,882,000 1 $ 295,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 3,481,966,000 1 $ 35,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 65,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 305,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,390,142,000 1 $ 215,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 279,248,000 1 $ 125,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,529,015,000 1 $ 325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 55,000
Wallkill Valley Federal Savings & Loan Association
23 WALLKILL AVENUE
WALLKILL, NY 12589
* $ 327,786,000 1 $ 705,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 195,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 5,351,288,000 1 $ 15,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 2,749,196,000 1 $ 115,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 325,368,000 1 $ 125,000
Franklin Mint Federal Credit Union
5 HILLMAN DRIVE
CHADDS FORD, PA 19317
* $ 1,194,144,000 1 $ 65,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 75,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 1 $ 665,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 305,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 235,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 265,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ 33,588,619,000 1 $ 285,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 483,117,000 1 $ 45,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 195,000
Cornerstone National Bank & Trust Company
1 WEST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ 631,327,000 1 $ 255,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ -1,000 1 $ 125,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 1 $ 165,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 1 $ 375,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 37,441,578,000 1 $ 215,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 1 $ 195,000
Massmutual FCU
1295 STATE STREET
SPRINGFIELD, MA 01111
* $ 252,668,000 1 $ 175,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 1,149,979,000 1 $ 225,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 265,000
Pathfinder Bank
214 WEST 1ST STREET
OSWEGO, NY 13126
* $ 1,090,000,000 1 $ 45,000

The tables below break down 2021 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 2021

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 208 $50,350,000 $242,000 $1,405,000 $169,000 $1,823,000
Refinancing 123 $23,465,000 $190,000 $705,000 $148,000 $756,000
Cash-out Refinancing 64 $13,450,000 $210,000 $805,000 $114,000 $349,000
Home Improvement 39 $3,865,000 $99,000 $325,000 $138,000 $845,000
Other Purpose 23 $2,515,000 $109,000 $405,000 $111,000 $446,000
Not Applicable 2 $120,000 $60,000 $65,000 $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 377 $72,745,000 $192,000 $805,000 $147,000 $1,823,000
Not Provided 58 $15,870,000 $273,000 $1,405,000 $169,000 $650,000
Not applicable 19 $4,505,000 $237,000 $705,000 $203,000 $400,000
Black or African American 3 $315,000 $105,000 $185,000 $73,000 $112,000
Hispanic 1 $125,000 $125,000 $125,000 $72,000 $72,000
Asian 1 $205,000 $205,000 $205,000 $316,000 $316,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
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) 424 $87,360,000 $206,000 $1,405,000 $155,000 $1,823,000
FHA-insured (Federal Housing Administration) 20 $3,140,000 $157,000 $345,000 $61,000 $125,000
VA-guaranteed (Veterans Administration) 14 $3,150,000 $225,000 $355,000 $77,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $115,000 $115,000 $115,000 $48,000 $48,000

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 288 $61,550,000 $213,000 $965,000 $167,000 $1,823,000
Application Denied By Financial Institution 69 $10,495,000 $152,000 $505,000 $96,000 $433,000
Application Withdrawn By Applicant 48 $11,760,000 $245,000 $1,405,000 $156,000 $569,000
Loan Purchased By The Institution 28 $5,590,000 $199,000 $545,000 $139,000 $400,000
File Closed For Incompleteness 13 $2,175,000 $167,000 $505,000 $118,000 $350,000
Application Approved But Not Accepted 13 $2,195,000 $168,000 $805,000 $91,000 $218,000
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 386 $82,740,000 $214,000 $1,405,000 $160,000 $1,823,000
Debt-To-Income Ratio 27 $4,095,000 $151,000 $345,000 $76,000 $286,000
Collateral 16 $2,900,000 $181,000 $505,000 $108,000 $349,000
Credit History 8 $930,000 $116,000 $265,000 $116,000 $433,000
Other 7 $915,000 $130,000 $345,000 $132,000 $332,000
Unverifiable Information 7 $1,005,000 $143,000 $245,000 $115,000 $300,000
Credit Application Incomplete 5 $815,000 $163,000 $235,000 $142,000 $257,000
Insufficient Cash (Downpayment, Closing Cost) 2 $270,000 $135,000 $205,000 $30,000 $61,000
Employment History 1 $95,000 $95,000 $95,000 $62,000 $62,000
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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