Ithaca, NY Metro Area Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 2,787 mortgage applications in Ithaca, NY metro area totaling $402.0 million, down 20% from 2009. The average application was for $144,241, and applicants reported an average income of $90,000. 70% of applications resulted in an originated loan and 13% were denied. The most active lender was Beginnings Credit Union, with 687 applications, followed by Tompkins Community Bank and Elmira Savings Bank, FSB.
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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 |
| Total Number of Mortgage Applications | 2,787 |
| Total Mortgage Loan Application Amount | $402,000,000 |
| Average Mortgage Loan Application Amount | $144,241 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,700,000 |
* 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 |
|---|---|---|---|---|
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 629,057,000 | 687 | $ 96,284,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,503,817,000 | 525 | $ 82,625,000 |
| Elmira Savings Bank, FSB 333 E WATER ST ELMIRA, NY 14901 |
* | $ 499,016,000 | 226 | $ 35,015,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 118,649,000 | 102 | $ 3,128,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 100 | $ 13,959,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 97 | $ 15,257,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,376,962,000 | 87 | $ 10,416,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 77 | $ 12,449,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 76 | $ 12,392,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 68 | $ 11,052,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 67 | $ 7,937,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 61 | $ 8,122,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 972,848,000 | 59 | $ 8,248,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 63,846,000 | 49 | $ 5,938,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 351,699,000 | 47 | $ 3,067,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 99,953,000 | 37 | $ 2,969,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 27 | $ 1,070,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 22 | $ 3,464,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 21 | $ 3,302,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 20 | $ 3,363,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 758,984,000 | 18 | $ 3,598,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 811,000 |
| First Niagara Bank, N.A. 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 14,452,230,000 | 15 | $ 8,912,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 14 | $ 2,279,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 2,770,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 13 | $ 2,076,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 12 | $ 1,911,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 2,418,897,000 | 11 | $ 1,731,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,424,588,000 | 10 | $ 1,116,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,596,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 1,534,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 9 | $ 2,049,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 9 | $ 1,353,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 830,848,000 | 9 | $ 468,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 7 | $ 1,010,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,304,000 |
| Beacon Federal 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 1,067,019,000 | 6 | $ 322,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,409,715,000 | 6 | $ 593,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 6 | $ 755,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 6 | $ 398,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 6 | $ 843,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 5 | $ 802,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 4 | $ 355,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 111,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 3 | $ 498,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 3 | $ 347,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,276,365,000 | 3 | $ 759,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 3 | $ 455,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 557,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 489,507,000 | 2 | $ 69,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 2 | $ 73,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 253,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 2 | $ 174,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 2 | $ 169,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 2 | $ 213,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 2 | $ 211,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 2 | $ 160,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 2 | $ 390,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 312,305,000 | 1 | $ 320,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 183,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 167,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 460,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,503,127,000 | 1 | $ 290,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 88,000 |
| Wilber National Bank 245 MAIN STREET P.O. BOX 430 ONEONTA, NY 13820 |
* | $ 906,519,000 | 1 | $ 184,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 900,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 410,000 |
| M&T Realty Capital Corporation 25 S. CHARLES ST., 17TH FLOOR BALTIMORE, MD 21201 |
* | $ 67,860,327,000 | 1 | $ 5,000,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 2,054,272,000 | 1 | $ 169,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 552,767,000 | 1 | $ 160,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 68,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 88,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 177,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,379,910,000 | 1 | $ 159,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 503,939,000 | 1 | $ 213,000 |
| Ukrainian Selfreliance Federal Credit Union 1729 COTTMAN AVE FEASTERVILLE, PA 19053 |
* | $ 209,369,000 | 1 | $ 240,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 1,891,843,000 | 1 | $ 368,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 49,000 |
| Cfbank 2923 SMITH ROAD FAIRLAWN, OH 44333 |
* | $ 271,974,000 | 1 | $ 155,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 96,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 1 | $ 58,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 816,141,000 | 1 | $ 91,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 311,155,000 | 1 | $ 10,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 3,938,342,000 | 1 | $ 83,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 179,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Greentree Mortgage Company, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ 31,000,000 | 1 | $ 185,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 167,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 1 | $ 190,000 |
The tables below break down 2010 mortgage applications in Ithaca, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ithaca, NY in 2010
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 | 1,336 | $202,290,000 | $151,000 | $5,000,000 | $94,000 | $1,200,000 |
| Home Purchase | 1,017 | $172,324,000 | $169,000 | $7,000,000 | $89,000 | $1,700,000 |
| Home Improvement | 434 | $27,386,000 | $63,000 | $994,000 | $78,000 | $644,000 |
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 | 2,335 | $315,877,000 | $135,000 | $1,200,000 | $89,000 | $914,000 |
| Not Provided | 191 | $28,141,000 | $147,000 | $560,000 | $98,000 | $1,200,000 |
| Asian | 109 | $20,406,000 | $187,000 | $620,000 | $136,000 | $1,700,000 |
| Not applicable | 58 | $23,346,000 | $402,000 | $7,000,000 | $3,000 | $162,000 |
| Hispanic | 46 | $7,580,000 | $164,000 | $484,000 | $104,000 | $314,000 |
| Black or African American | 38 | $5,197,000 | $136,000 | $492,000 | $79,000 | $210,000 |
| American Indian or Alaskan Native | 8 | $818,000 | $102,000 | $200,000 | $75,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $635,000 | $317,000 | $321,000 | $268,000 | $399,000 |
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) | 2,347 | $335,073,000 | $142,000 | $7,000,000 | $94,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 369 | $54,422,000 | $147,000 | $387,000 | $67,000 | $690,000 |
| VA-guaranteed (Veterans Administration) | 57 | $10,940,000 | $191,000 | $517,000 | $60,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,565,000 | $111,000 | $170,000 | $49,000 | $82,000 |
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 | 1,958 | $288,165,000 | $147,000 | $7,000,000 | $98,000 | $1,700,000 |
| Application Denied By Financial Institution | 368 | $47,046,000 | $127,000 | $1,200,000 | $68,000 | $469,000 |
| Application Withdrawn By Applicant | 181 | $25,831,000 | $142,000 | $417,000 | $90,000 | $690,000 |
| Loan Purchased By The Institution | 154 | $24,248,000 | $157,000 | $417,000 | $58,000 | $475,000 |
| Application Approved But Not Accepted | 78 | $9,835,000 | $126,000 | $1,300,000 | $73,000 | $329,000 |
| File Closed For Incompleteness | 48 | $6,875,000 | $143,000 | $517,000 | $72,000 | $350,000 |
| 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 | 63 | $7,817,000 | $124,000 | $900,000 | $48,000 | $159,000 |
| Collateral | 59 | $8,913,000 | $151,000 | $736,000 | $90,000 | $469,000 |
| Credit History | 51 | $2,417,000 | $47,000 | $189,000 | $45,000 | $130,000 |
| Other | 18 | $1,769,000 | $98,000 | $314,000 | $74,000 | $249,000 |
| Credit Application Incomplete | 14 | $2,257,000 | $161,000 | $345,000 | $94,000 | $330,000 |
| Unverifiable Information | 9 | $1,411,000 | $156,000 | $387,000 | $85,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $440,000 | $146,000 | $216,000 | $52,000 | $68,000 |
| Employment History | 2 | $334,000 | $167,000 | $188,000 | $35,000 | $52,000 |
| Mortgage Insurance Denied | 1 | $236,000 | $236,000 | $236,000 | $216,000 | $216,000 |
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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