Jefferson County, NY Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 5,222 mortgage applications in Jefferson County, NY totaling $915.2 million, up 11% from 2020. The average application was for $175,000, and applicants reported an average income of $95,000. 65% of applications resulted in an originated loan and 11% were denied. The most active lender was Northern Credit Union, with 475 applications, followed by Watertown Savings Bank and Community Bank, N.A..
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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 | 5,222 |
| Total Mortgage Loan Application Amount | $915,190,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $1,471,000 |
* 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 |
|---|---|---|---|---|
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 282,729,000 | 475 | $ 65,885,000 |
| Watertown Savings Bank 111 CLINTON ST WATERTOWN, NY 13601 |
* | $ 676,044,000 | 431 | $ 78,035,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 425 | $ 57,655,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 343 | $ 51,625,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 326 | $ 63,660,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 245,980,000 | 309 | $ 49,505,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 252 | $ 51,010,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 207 | $ 28,805,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 186 | $ 38,580,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 166 | $ 29,510,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 158 | $ 28,320,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 150 | $ 25,880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 144 | $ 31,350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 106 | $ 20,990,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 86 | $ 14,930,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 70 | $ 14,850,000 |
| Gouverneur Savings & Loan 42 CHURCH STREET GOUVERNEUR, NY 13642 |
* | $ 125,637,000 | 68 | $ 11,880,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 67 | $ 11,485,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 59 | $ 12,005,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 49 | $ 11,515,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 42 | $ 4,140,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 574,696,000 | 37 | $ 6,825,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 36 | $ 2,610,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 31 | $ 4,735,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 30 | $ 5,730,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 29 | $ 3,455,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 27 | $ 3,995,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,100,500,000 | 27 | $ 4,955,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 25 | $ 4,485,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 23 | $ 6,805,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 22 | $ 5,200,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 21 | $ 3,885,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 21 | $ 4,555,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 18 | $ 3,250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 17 | $ 3,475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 15 | $ 2,355,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 15 | $ 3,905,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 14 | $ 1,600,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 13 | $ 845,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 13 | $ 2,595,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 13 | $ 2,285,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 11 | $ 1,965,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 10 | $ 1,810,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 1,565,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 9 | $ 635,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 9 | $ 875,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 8 | $ 1,360,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,074,320,000 | 8 | $ 1,330,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 8 | $ 1,750,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,375,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 6 | $ 910,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 400,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 6 | $ 1,280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,440,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 900,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 495,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 1,395,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 5 | $ 1,155,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 5 | $ 475,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 5 | $ 1,395,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 4 | $ 750,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 4,055,933,000 | 4 | $ 530,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 473,195,000 | 4 | $ 460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 1,000,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 630,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 4 | $ 560,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 3 | $ 555,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 635,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 3 | $ 795,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 3 | $ 1,055,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 3 | $ 475,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 6,167,493,000 | 3 | $ 14,845,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 3 | $ 565,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 3,815,483,000 | 3 | $ 455,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,090,000,000 | 3 | $ 2,135,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 3 | $ 595,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 3 | $ 595,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 3 | $ 785,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 595,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 320,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 271,039,000 | 2 | $ 160,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 2 | $ 350,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 610,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 2 | $ 420,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 2 | $ 300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 380,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 280,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 2 | $ 160,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 250,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 380,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 9,467,660,000 | 2 | $ 170,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 2 | $ 430,000 |
| Fncb Bank 102 E DRINKER STREET DUNMORE, PA 18512 |
* | $ 1,191,136,000 | 2 | $ 550,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 157,540,000 | 2 | $ 60,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 740,218,000 | 2 | $ 620,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 2 | $ 300,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 2 | $ 1,520,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 558,762,000 | 2 | $ 670,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 2 | $ 590,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 1,444,951,000 | 2 | $ 270,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 656,261,000 | 2 | $ 640,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 530,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 240,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 2 | $ 180,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 2 | $ 380,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 2 | $ 640,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,528,719,000 | 2 | $ 1,380,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 380,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 130,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 2 | $ 90,000 |
| Fidelity Deposit & Discount Bank 101 N BLAKELY ST SCRANTON, PA 18512 |
* | $ 1,013,614,000 | 2 | $ 780,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 195,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 25,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 12,223,127,000 | 1 | $ 545,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 55,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 245,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 14,953,260,000 | 1 | $ 105,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 235,000 |
| Sprout Mortgage, LLC 1759 ST LUCIE W BLVD PORT LUCIE, FL 34986 |
* | $ -1,000 | 1 | $ 145,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 1 | $ 235,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 185,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 229,657,000 | 1 | $ 65,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 109,679,000 | 1 | $ 235,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 235,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 150,837,000 | 1 | $ 205,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 275,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 325,368,000 | 1 | $ 355,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 3,110,206,000 | 1 | $ 165,000 |
| Atlantic Home Loans, Inc. 50 ROUTE 46 PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 275,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ -1,000 | 1 | $ 235,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,813,674,000 | 1 | $ 105,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 451,290,000 | 1 | $ 105,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 5,351,288,000 | 1 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 325,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,598,362,000 | 1 | $ 115,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,529,015,000 | 1 | $ 275,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 1 | $ 295,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,825,507,000 | 1 | $ 235,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 292,682,000 | 1 | $ 315,000 |
| William Raveis Mortgage, LLC 7 TRAP FALLS ROAD SHELTON, CT 06484 |
* | $ -1,000 | 1 | $ 545,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 164,719,000 | 1 | $ 755,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 45,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 175,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 55,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 45,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 265,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 95,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ -1,000 | 1 | $ 105,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 380,185,000 | 1 | $ 295,000 |
| Oceanfirst Bank 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ 8,253,751,000 | 1 | $ 1,505,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 13,181,399,000 | 1 | $ 35,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 8,528,848,000 | 1 | $ 135,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 215,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 225,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,583,299,000 | 1 | $ 245,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 2,179,218,000 | 1 | $ 255,000 |
| Silver Hill Funding 4425 PONCE DE LEON BLVD CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2021 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 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 | 2,830 | $560,330,000 | $197,000 | $7,005,000 | $91,000 | $1,471,000 |
| Refinancing | 1,254 | $198,320,000 | $158,000 | $1,505,000 | $98,000 | $700,000 |
| Cash-out Refinancing | 675 | $116,385,000 | $172,000 | $545,000 | $101,000 | $663,000 |
| Home Improvement | 239 | $19,675,000 | $82,000 | $405,000 | $96,000 | $507,000 |
| Other Purpose | 184 | $15,210,000 | $82,000 | $505,000 | $100,000 | $718,000 |
| Not Applicable | 40 | $5,270,000 | $131,000 | $255,000 | $60,000 | $60,000 |
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 | 3,721 | $613,075,000 | $164,000 | $1,345,000 | $96,000 | $1,471,000 |
| Not Provided | 760 | $137,760,000 | $181,000 | $1,275,000 | $93,000 | $753,000 |
| Not applicable | 332 | $89,720,000 | $270,000 | $7,005,000 | $77,000 | $146,000 |
| Hispanic | 194 | $34,630,000 | $178,000 | $485,000 | $76,000 | $482,000 |
| Black or African American | 122 | $22,750,000 | $186,000 | $765,000 | $87,000 | $540,000 |
| Asian | 56 | $10,770,000 | $192,000 | $545,000 | $117,000 | $523,000 |
| American Indian or Alaskan Native | 26 | $4,800,000 | $184,000 | $395,000 | $74,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $420,000 | $210,000 | $255,000 | $59,000 | $59,000 |
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) | 3,225 | $522,665,000 | $162,000 | $7,005,000 | $105,000 | $1,471,000 |
| VA-guaranteed (Veterans Administration) | 1,522 | $325,210,000 | $213,000 | $545,000 | $79,000 | $488,000 |
| FHA-insured (Federal Housing Administration) | 413 | $58,685,000 | $142,000 | $355,000 | $57,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $8,630,000 | $139,000 | $385,000 | $56,000 | $125,000 |
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 | 3,377 | $607,265,000 | $179,000 | $7,005,000 | $97,000 | $1,044,000 |
| Application Denied By Financial Institution | 563 | $75,525,000 | $134,000 | $1,505,000 | $78,000 | $1,471,000 |
| Application Withdrawn By Applicant | 508 | $90,250,000 | $177,000 | $645,000 | $97,000 | $718,000 |
| Loan Purchased By The Institution | 508 | $99,520,000 | $195,000 | $545,000 | $91,000 | $975,000 |
| Application Approved But Not Accepted | 143 | $22,715,000 | $158,000 | $765,000 | $104,000 | $603,000 |
| File Closed For Incompleteness | 117 | $18,935,000 | $161,000 | $865,000 | $95,000 | $660,000 |
| Preapproval Approved but not Accepted | 5 | $875,000 | $175,000 | $305,000 | $82,000 | $169,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $120,000 | $120,000 |
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 | 4,380 | $792,930,000 | $181,000 | $7,005,000 | $97,000 | $1,008,000 |
| Debt-To-Income Ratio | 429 | $67,055,000 | $156,000 | $495,000 | $86,000 | $1,044,000 |
| Credit History | 159 | $16,705,000 | $105,000 | $465,000 | $75,000 | $1,471,000 |
| Collateral | 105 | $14,975,000 | $142,000 | $805,000 | $99,000 | $550,000 |
| Other | 77 | $12,015,000 | $156,000 | $1,505,000 | $88,000 | $511,000 |
| Credit Application Incomplete | 40 | $7,270,000 | $181,000 | $355,000 | $104,000 | $400,000 |
| Unverifiable Information | 15 | $1,915,000 | $127,000 | $275,000 | $59,000 | $136,000 |
| Employment History | 9 | $1,095,000 | $121,000 | $265,000 | $82,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,030,000 | $171,000 | $335,000 | $70,000 | $161,000 |
| Mortgage Insurance Denied | 2 | $200,000 | $100,000 | $115,000 | $31,000 | $45,000 |
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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