Jefferson County, NY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 3,464 mortgage applications in Jefferson County, NY totaling $434.0 million, about the same as 2014. The average application was for $125,000, and applicants reported an average income of $70,000. 59% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Bank, N.A., with 515 applications, followed by Northern Credit Union and Watertown Savings Bank.
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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 | 3,464 |
| Total Mortgage Loan Application Amount | $434,013,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $13,552,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $1,544,000 |
* 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 |
* | $ 7,461,279,000 | 515 | $ 32,505,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 198,710,000 | 309 | $ 29,538,000 |
| Watertown Savings Bank 111 CLINTON ST WATERTOWN, NY 13601 |
* | $ 557,591,000 | 282 | $ 34,137,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,264,351,000 | 266 | $ 29,702,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 184,899,000 | 221 | $ 23,783,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 179 | $ 24,229,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 143 | $ 24,907,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 109 | $ 22,176,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 75 | $ 12,660,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 68 | $ 11,571,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 59 | $ 9,978,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 59 | $ 10,563,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 55 | $ 8,496,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 38,494,804,000 | 52 | $ 3,386,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 52 | $ 7,996,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 51 | $ 7,229,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 50 | $ 7,908,000 |
| Citizens Bank of Cape Vincent PO BOX 277 CAPE VINCENT, NY 13618 |
* | $ 54,363,000 | 39 | $ 4,497,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 37 | $ 5,062,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 35 | $ 4,284,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 34 | $ 4,942,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 33 | $ 5,334,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 28 | $ 4,792,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 28 | $ 5,137,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 23 | $ 2,490,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 23 | $ 3,837,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 1,393,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 21 | $ 2,688,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,291,549,000 | 19 | $ 2,016,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 19 | $ 3,273,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 19 | $ 3,550,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 19 | $ 912,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 15 | $ 2,045,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 12 | $ 291,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 12 | $ 2,575,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 11 | $ 1,114,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 242,947,000 | 11 | $ 2,102,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 7,726,299,000 | 11 | $ 980,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 10 | $ 1,585,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 9 | $ 746,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ 17,900,000 | 9 | $ 1,783,000 |
| Cherrywood Commercial Lending, LLC 20955 PATHFINDER ROAD #205 DIAMOND BAR, CA 91765 |
* | $ 64,589,395,000 | 9 | $ 5,400,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ 214,531,000 | 8 | $ 517,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 8 | $ 1,153,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 8 | $ 1,867,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 1,264,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 1,171,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 8 | $ 717,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 7 | $ 1,284,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 7 | $ 2,038,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 7 | $ 1,382,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 7 | $ 1,329,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 7 | $ 509,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 7 | $ 878,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 7 | $ 919,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 6 | $ 311,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 6 | $ 985,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 1,053,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 6 | $ 937,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 1,140,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 560,634,000 | 5 | $ 1,122,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 93,949,000 | 4 | $ 52,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 4 | $ 560,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 4 | $ 278,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 743,666,000 | 4 | $ 638,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 4 | $ 274,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD, SUITE 204 WESTBURY, NY 11590 |
* | $ 10,000,000 | 4 | $ 340,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 5,015,805,000 | 4 | $ 369,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 4 | $ 684,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 444,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 806,278,000 | 3 | $ 369,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 3 | $ 594,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 3 | $ 485,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,393,007,000 | 3 | $ 509,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 127,062,000 | 3 | $ 365,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 3 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 514,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 3 | $ 592,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 3 | $ 296,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 3 | $ 410,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 608,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 415,140,000 | 2 | $ 453,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 330,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 2 | $ 359,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 463,562,000 | 2 | $ 442,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 754,392,000 | 2 | $ 243,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 512,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 142,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 330,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 33,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 93,630,000 | 2 | $ 12,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 80,472,892,000 | 2 | $ 729,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 2 | $ 368,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 124,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 243,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 2 | $ 329,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 80,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 1 | $ 208,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 103,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 140,752,000 | 1 | $ 68,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,092,417,000 | 1 | $ 266,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 423,867,000 | 1 | $ 36,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 216,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 152,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 5,190,392,000 | 1 | $ 825,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,171,198,000 | 1 | $ 25,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 74,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 32,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 2,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 46,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 158,000 |
| Cardinal Credit Union, Inc 8500 WESTPORT DR. MENTOR, OH 44060 |
* | $ 175,285,000 | 1 | $ 154,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 163,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,337,630,000 | 1 | $ 10,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 5,831,677,000 | 1 | $ 265,000 |
| St. Pius X Church FCU 2998 CHILI AVENUE ROCHESTER, NY 14624 |
* | $ 65,461,000 | 1 | $ 60,000 |
| Lebanon FCU 120 SOUTH 16TH STREET LEBANON, PA 17042 |
* | $ 187,284,000 | 1 | $ 167,000 |
| Oswego County FCU 90 EAST BRIDGE STREET OSWEGO, NY 13126 |
* | $ 60,631,000 | 1 | $ 2,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ 80,581,000 | 1 | $ 76,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 130,285,000 | 1 | $ 221,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 274,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 100,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 522,445,000 | 1 | $ 265,000 |
| Armco Credit Union PO BOX 1589 BUTLER, PA 16003 |
* | $ 289,674,000 | 1 | $ 8,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 50,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 92,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 360,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 75,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 1 | $ 261,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 6,476,905,000 | 1 | $ 48,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 78,789,000 | 1 | $ 138,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 202,275,000 | 1 | $ 75,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 6,795,021,000 | 1 | $ 32,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,092,656,000 | 1 | $ 150,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 266,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 96,000 |
| The Bank of Carbondale 216 E MAIN STREET CARBONDALE, IL 62901 |
* | $ 215,500,000 | 1 | $ 10,000 |
The tables below break down 2015 mortgage applications in Jefferson 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 Jefferson County, NY in 2015
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 | 1,576 | $249,786,000 | $158,000 | $13,552,000 | $72,000 | $871,000 |
| Refinancing | 1,215 | $161,040,000 | $132,000 | $893,000 | $69,000 | $1,544,000 |
| Home Improvement | 673 | $23,187,000 | $34,000 | $400,000 | $68,000 | $685,000 |
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 | 2,743 | $310,835,000 | $113,000 | $893,000 | $77,000 | $1,544,000 |
| Not applicable | 290 | $58,589,000 | $202,000 | $13,552,000 | $2,000 | $285,000 |
| Not Provided | 230 | $35,431,000 | $154,000 | $600,000 | $63,000 | $419,000 |
| Hispanic | 86 | $12,470,000 | $145,000 | $532,000 | $71,000 | $675,000 |
| Black or African American | 73 | $10,216,000 | $139,000 | $381,000 | $81,000 | $685,000 |
| Asian | 28 | $4,441,000 | $158,000 | $371,000 | $89,000 | $341,000 |
| American Indian or Alaskan Native | 11 | $1,449,000 | $131,000 | $337,000 | $92,000 | $303,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $582,000 | $194,000 | $244,000 | $55,000 | $118,000 |
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) | 2,242 | $239,724,000 | $106,000 | $13,552,000 | $81,000 | $1,544,000 |
| VA-guaranteed (Veterans Administration) | 787 | $142,401,000 | $180,000 | $437,000 | $55,000 | $1,118,000 |
| FHA-insured (Federal Housing Administration) | 383 | $46,310,000 | $120,000 | $457,000 | $43,000 | $698,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $5,578,000 | $107,000 | $215,000 | $43,000 | $143,000 |
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 | 2,054 | $245,977,000 | $119,000 | $1,811,000 | $80,000 | $1,544,000 |
| Application Denied By Financial Institution | 643 | $69,163,000 | $107,000 | $893,000 | $64,000 | $804,000 |
| Loan Purchased By The Institution | 363 | $55,315,000 | $152,000 | $457,000 | $16,000 | $285,000 |
| Application Withdrawn By Applicant | 210 | $39,695,000 | $189,000 | $13,552,000 | $83,000 | $1,118,000 |
| Application Approved But Not Accepted | 114 | $12,381,000 | $108,000 | $417,000 | $78,000 | $367,000 |
| File Closed For Incompleteness | 80 | $11,482,000 | $143,000 | $402,000 | $59,000 | $234,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 137 | $7,201,000 | $52,000 | $270,000 | $62,000 | $804,000 |
| Debt-To-Income Ratio | 123 | $14,938,000 | $121,000 | $870,000 | $52,000 | $380,000 |
| Collateral | 85 | $11,020,000 | $129,000 | $893,000 | $82,000 | $650,000 |
| Credit Application Incomplete | 31 | $3,840,000 | $123,000 | $370,000 | $86,000 | $685,000 |
| Other | 28 | $2,774,000 | $99,000 | $260,000 | $60,000 | $268,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,112,000 | $234,000 | $760,000 | $111,000 | $420,000 |
| Employment History | 7 | $749,000 | $107,000 | $159,000 | $51,000 | $85,000 |
| Unverifiable Information | 5 | $727,000 | $145,000 | $322,000 | $55,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $190,000 | $190,000 | $190,000 | $133,000 | $133,000 |
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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