Hamilton County, NY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 182 mortgage applications in Hamilton County, NY totaling $39.3 million, down 20% from 2023. The average application was for $215,000, and applicants reported an average income of $142,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Community Bank, N.A., with 19 applications, followed by Nbt Bank NA and Citizens 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 | 182 |
| Total Mortgage Loan Application Amount | $39,280,000 |
| Average Mortgage Loan Application Amount | $215,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $142,000 |
| Highest Applicant Income | $598,000 |
* 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 |
* | $ n/a | 19 | $ 2,735,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 18 | $ 3,880,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 9 | $ 1,275,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 8 | $ 2,390,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 7 | $ 535,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,515,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ n/a | 7 | $ 1,295,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 5 | $ 1,765,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 4 | $ 1,200,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 340,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 480,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,060,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 900,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ n/a | 3 | $ 1,015,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 775,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 3 | $ 845,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ n/a | 3 | $ 225,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 3 | $ 445,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 585,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ n/a | 3 | $ 475,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 2 | $ 620,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 130,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 110,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 640,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ n/a | 2 | $ 490,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 2 | $ 440,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 330,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ n/a | 2 | $ 540,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 2 | $ 670,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 375,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 1 | $ 235,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 175,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ n/a | 1 | $ 305,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 1 | $ 205,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 375,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 1 | $ 585,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 245,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 245,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ n/a | 1 | $ 95,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 335,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 175,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 265,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ n/a | 1 | $ 505,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 1 | $ 415,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 175,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 105,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 1 | $ 315,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 1 | $ 175,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ n/a | 1 | $ 335,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 745,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 335,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 335,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ n/a | 1 | $ 515,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 335,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ n/a | 1 | $ 225,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 105,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 345,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 1 | $ 175,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 425,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 425,000 |
The tables below break down 2024 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 2024
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 | 95 | $25,285,000 | $266,000 | $745,000 | $158,000 | $598,000 |
| Home Improvement | 31 | $2,985,000 | $96,000 | $355,000 | $133,000 | $400,000 |
| Cash-out Refinancing | 23 | $5,345,000 | $232,000 | $425,000 | $124,000 | $267,000 |
| Refinancing | 18 | $3,330,000 | $185,000 | $505,000 | $107,000 | $316,000 |
| Other Purpose | 15 | $2,335,000 | $155,000 | $755,000 | $124,000 | $530,000 |
| 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 | 141 | $30,255,000 | $214,000 | $755,000 | $141,000 | $598,000 |
| Not Provided | 24 | $4,710,000 | $196,000 | $415,000 | $122,000 | $231,000 |
| Not applicable | 9 | $2,265,000 | $251,000 | $425,000 | $386,000 | $572,000 |
| Hispanic | 5 | $1,335,000 | $267,000 | $445,000 | $144,000 | $205,000 |
| American Indian or Alaskan Native | 3 | $715,000 | $238,000 | $255,000 | $140,000 | $144,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 163 | $34,105,000 | $209,000 | $755,000 | $148,000 | $598,000 |
| VA-guaranteed (Veterans Administration) | 10 | $3,030,000 | $303,000 | $435,000 | $92,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,145,000 | $238,000 | $425,000 | $80,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 103 | $23,155,000 | $224,000 | $755,000 | $152,000 | $598,000 |
| Application Denied By Financial Institution | 28 | $5,230,000 | $186,000 | $375,000 | $87,000 | $227,000 |
| Application Withdrawn By Applicant | 26 | $5,360,000 | $206,000 | $485,000 | $117,000 | $440,000 |
| File Closed For Incompleteness | 12 | $2,080,000 | $173,000 | $335,000 | $166,000 | $400,000 |
| Loan Purchased By The Institution | 9 | $2,335,000 | $259,000 | $425,000 | $304,000 | $572,000 |
| Application Approved But Not Accepted | 4 | $1,120,000 | $280,000 | $485,000 | $219,000 | $530,000 |
| 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 | 153 | $33,815,000 | $221,000 | $755,000 | $151,000 | $598,000 |
| Debt-To-Income Ratio | 13 | $2,495,000 | $191,000 | $315,000 | $75,000 | $178,000 |
| Other | 4 | $540,000 | $135,000 | $235,000 | $124,000 | $215,000 |
| Collateral | 4 | $1,010,000 | $252,000 | $345,000 | $83,000 | $111,000 |
| Credit History | 3 | $285,000 | $95,000 | $125,000 | $66,000 | $93,000 |
| Credit Application Incomplete | 2 | $510,000 | $255,000 | $335,000 | $227,000 | $227,000 |
| Unverifiable Information | 2 | $570,000 | $285,000 | $375,000 | $91,000 | $117,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $120,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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