Herkimer County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,571 mortgage applications in Herkimer County, NY totaling $203.2 million, down 28% from 2022. The average application was for $129,000, and applicants reported an average income of $99,000. 63% of applications resulted in an originated loan and 18% were denied. The most active lender was First Source Federal Credit Un, with 233 applications, followed by Americu Credit Union and Plaza Home Mortgage, Inc.

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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 1,571
Total Mortgage Loan Application Amount $203,235,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $1,445,000
Average Applicant Income $99,000
Highest Applicant Income $2,881,000

Mortgage Company List for Lending in Herkimer County, NY for 2023

* 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
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 894,786,000 233 $ 19,315,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,696,102,000 129 $ 12,675,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 106 $ 16,730,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 954,358,000 100 $ 16,010,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ 476,677,000 94 $ 8,560,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 69 $ 7,455,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 66 $ 8,110,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 52 $ 4,890,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 50 $ 7,710,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 46 $ 8,010,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 41 $ 5,255,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 37 $ 6,065,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 36 $ 2,800,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 30 $ 3,940,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 3,193,673,000 26 $ 3,770,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 24 $ 4,000,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 18 $ 4,150,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 16 $ 2,750,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 15 $ 1,745,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 15 $ 2,305,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 14 $ 1,690,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 13 $ 1,915,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,656,860,000 12 $ 1,230,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 12 $ 1,880,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 7,999,108,000 12 $ 580,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 11 $ 795,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 11 $ 2,785,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 10 $ 1,340,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 1,830,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 10 $ 1,250,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 1,150,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 8 $ 680,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,495,000
Utica Gas & Electric FCU
215 OLD CAMPION RD
NEW HARTFORD, NY 13413
* $ 94,974,000 7 $ 995,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,555,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 6 $ 870,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 6 $ 1,620,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 4,739,658,000 6 $ 1,620,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 1,150,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 355,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 5 $ 645,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 530,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 360,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 370,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 760,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 900,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 2,048,365,000 4 $ 630,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 506,511,000 3 $ 505,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 3 $ 555,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 345,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 1,121,757,000 3 $ 235,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 3 $ 425,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 3 $ 505,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 595,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 475,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 365,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 3 $ 405,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 190,000
Ukrainian Federal Credit Union
824 EAST RIDGE ROAD
ROCHESTER, NY 14621
* $ 372,329,000 2 $ 320,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 6,668,165,000 2 $ 90,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 230,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 310,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 2 $ 170,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 2 $ 140,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 2 $ 110,000
Access Federal Credit Union
6 FRANKLIN AVE
CLINTON, NY 13323
* $ 254,384,000 2 $ 130,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,172,623,000 2 $ 510,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 140,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 570,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 1,790,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,753,561,000 2 $ 730,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 2 $ 230,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 2 $ 130,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 225,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 155,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 155,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 1 $ 125,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 4,219,232,000 1 $ 55,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 1 $ 315,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 1 $ 605,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 295,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre
1010 NORTHERN BLVD., SUITE 336
GREAT NECK, NY 11021
* $ -1,000 1 $ 225,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 205,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 225,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 649,833,000 1 $ 55,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 155,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 1,697,684,000 1 $ 175,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 453,220,000 1 $ 75,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 1 $ 35,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 120,987,397,000 1 $ 315,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 35,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 285,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 2,439,371,000 1 $ 685,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,099,887,000 1 $ 175,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 75,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 175,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 75,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 115,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 175,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 285,000

The tables below break down 2023 mortgage applications in Herkimer 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 Herkimer 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 777 $130,335,000 $167,000 $1,445,000 $91,000 $646,000
Home Improvement 283 $20,605,000 $72,000 $765,000 $125,000 $2,881,000
Refinancing 207 $23,695,000 $114,000 $625,000 $92,000 $535,000
Other Purpose 205 $14,005,000 $68,000 $345,000 $99,000 $2,456,000
Cash-out Refinancing 96 $14,480,000 $150,000 $485,000 $97,000 $1,048,000
Not Applicable 3 $115,000 $38,000 $45,000 $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 1,276 $155,300,000 $121,000 $765,000 $100,000 $2,881,000
Not applicable 128 $22,500,000 $175,000 $1,445,000 $106,000 $166,000
Not Provided 113 $19,405,000 $171,000 $945,000 $103,000 $632,000
Hispanic 27 $2,745,000 $101,000 $235,000 $71,000 $200,000
Black or African American 15 $1,735,000 $115,000 $225,000 $59,000 $147,000
Asian 8 $910,000 $113,000 $265,000 $66,000 $92,000
American Indian or Alaskan Native 3 $585,000 $195,000 $315,000 $94,000 $162,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $180,000 $180,000

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) 1,217 $148,855,000 $122,000 $1,445,000 $107,000 $2,881,000
FHA-insured (Federal Housing Administration) 280 $40,430,000 $144,000 $485,000 $66,000 $250,000
VA-guaranteed (Veterans Administration) 53 $11,455,000 $216,000 $475,000 $95,000 $349,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $2,495,000 $118,000 $185,000 $59,000 $90,000

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 983 $127,715,000 $129,000 $1,365,000 $99,000 $646,000
Application Denied By Financial Institution 275 $31,005,000 $112,000 $1,445,000 $89,000 $2,456,000
Loan Purchased By The Institution 113 $18,055,000 $159,000 $625,000 $82,000 $166,000
Application Withdrawn By Applicant 112 $15,980,000 $142,000 $945,000 $124,000 $2,881,000
Application Approved But Not Accepted 51 $6,545,000 $128,000 $355,000 $75,000 $221,000
File Closed For Incompleteness 37 $3,935,000 $106,000 $245,000 $145,000 $1,048,000
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 1,293 $171,845,000 $132,000 $1,365,000 $102,000 $2,881,000
Credit History 87 $6,885,000 $79,000 $355,000 $85,000 $304,000
Debt-To-Income Ratio 80 $12,570,000 $157,000 $1,445,000 $61,000 $182,000
Collateral 57 $5,825,000 $102,000 $385,000 $101,000 $343,000
Other 25 $2,645,000 $105,000 $235,000 $89,000 $349,000
Credit Application Incomplete 17 $2,095,000 $123,000 $315,000 $73,000 $178,000
Unverifiable Information 6 $700,000 $116,000 $185,000 $450,000 $2,456,000
Insufficient Cash (Downpayment, Closing Cost) 6 $670,000 $111,000 $175,000 $65,000 $102,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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