Ownerschoice Funding, Incorporated
Mortgage Loan Application
Totals and Details
for 2010
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for Ownerschoice Funding, Incorporated.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| Mortgage Company & Address | Ownerschoice Funding, Incorporated 1021 Watervliet-Shaker Road Albany, NY 12205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,831 |
| Total Mortgage Loan Application Amount | $410,454,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $1,935,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,064,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Suffolk County New York | 418 | $ 100,717,000 | $ 240,000 | $ 108,000 |
| Erie County New York | 246 | $ 27,800,000 | $ 113,000 | $ 72,000 |
| Oneida County New York | 161 | $ 18,160,000 | $ 112,000 | $ 75,000 |
| Essex County New York | 105 | $ 10,288,000 | $ 97,000 | $ 67,000 |
| Onondaga County New York | 99 | $ 11,477,000 | $ 115,000 | $ 78,000 |
| Monroe County New York | 64 | $ 5,813,000 | $ 90,000 | $ 60,000 |
| Clinton County New York | 56 | $ 6,633,000 | $ 118,000 | $ 73,000 |
| Saratoga County New York | 53 | $ 9,359,000 | $ 176,000 | $ 87,000 |
| Schenectady County New York | 53 | $ 6,509,000 | $ 122,000 | $ 82,000 |
| Nassau County New York | 52 | $ 14,947,000 | $ 287,000 | $ 126,000 |
| Chautauqua County New York | 51 | $ 4,288,000 | $ 84,000 | $ 57,000 |
| Oswego County New York | 43 | $ 4,723,000 | $ 109,000 | $ 71,000 |
| Niagara County New York | 42 | $ 4,546,000 | $ 108,000 | $ 71,000 |
| Albany County New York | 41 | $ 6,663,000 | $ 162,000 | $ 100,000 |
| Herkimer County New York | 39 | $ 3,703,000 | $ 94,000 | $ 69,000 |
| Madison County New York | 31 | $ 3,454,000 | $ 111,000 | $ 70,000 |
| Washington County New York | 27 | $ 3,148,000 | $ 116,000 | $ 74,000 |
| Westchester County New York | 26 | $ 7,840,000 | $ 301,000 | $ 110,000 |
| Middlesex County New Jersey | 24 | $ 5,248,000 | $ 218,000 | $ 114,000 |
| Rensselaer County New York | 24 | $ 3,286,000 | $ 136,000 | $ 72,000 |
| Cattaraugus County New York | 23 | $ 2,297,000 | $ 99,000 | $ 76,000 |
| Atlantic County New Jersey | 20 | $ 3,641,000 | $ 182,000 | $ 84,000 |
| Rockland County New York | 20 | $ 5,076,000 | $ 253,000 | $ 136,000 |
| Camden County New Jersey | 19 | $ 2,652,000 | $ 139,000 | $ 77,000 |
| Chenango County New York | 19 | $ 1,604,000 | $ 84,000 | $ 58,000 |
| Dutchess County New York | 19 | $ 4,151,000 | $ 218,000 | $ 93,000 |
| Cape May County New Jersey | 16 | $ 3,056,000 | $ 191,000 | $ 82,000 |
| Broome County New York | 16 | $ 1,691,000 | $ 105,000 | $ 84,000 |
| Cayuga County New York | 16 | $ 1,842,000 | $ 115,000 | $ 67,000 |
| Chemung County New York | 16 | $ 1,065,000 | $ 66,000 | $ 69,000 |
| Allegheny County Pennsylvania | 16 | $ 1,746,000 | $ 109,000 | $ 82,000 |
| Putnam County New York | 13 | $ 2,987,000 | $ 229,000 | $ 94,000 |
| Elk County Pennsylvania | 13 | $ 1,018,000 | $ 78,000 | $ 58,000 |
| Warren County Pennsylvania | 13 | $ 924,000 | $ 71,000 | $ 45,000 |
| Franklin County New York | 12 | $ 1,300,000 | $ 108,000 | $ 62,000 |
| Kings County New York | 12 | $ 3,518,000 | $ 293,000 | $ 93,000 |
| Montgomery County New York | 12 | $ 1,061,000 | $ 88,000 | $ 55,000 |
| Allegany County New York | 11 | $ 737,000 | $ 67,000 | $ 49,000 |
| Schoharie County New York | 11 | $ 1,350,000 | $ 122,000 | $ 68,000 |
| New Haven County Connecticut | 10 | $ 1,811,000 | $ 181,000 | $ 82,000 |
| Otsego County New York | 10 | $ 1,631,000 | $ 163,000 | $ 110,000 |
| Queens County New York | 10 | $ 2,948,000 | $ 294,000 | $ 150,000 |
| Warren County New York | 9 | $ 1,271,000 | $ 141,000 | $ 74,000 |
| Venango County Pennsylvania | 9 | $ 944,000 | $ 104,000 | $ 85,000 |
| Somerset County New Jersey | 8 | $ 1,956,000 | $ 244,000 | $ 116,000 |
| Steuben County New York | 8 | $ 958,000 | $ 119,000 | $ 86,000 |
| Ulster County New York | 8 | $ 1,272,000 | $ 159,000 | $ 76,000 |
| Gloucester County New Jersey | 7 | $ 931,000 | $ 133,000 | $ 73,000 |
| Hudson County New Jersey | 6 | $ 1,679,000 | $ 279,000 | $ 92,000 |
| Monmouth County New Jersey | 6 | $ 1,188,000 | $ 198,000 | $ 101,000 |
| Union County New Jersey | 6 | $ 1,286,000 | $ 214,000 | $ 124,000 |
| Erie County Pennsylvania | 6 | $ 360,000 | $ 60,000 | $ 44,000 |
| Lawrence County Pennsylvania | 6 | $ 441,000 | $ 73,000 | $ 60,000 |
| Fairfield County Connecticut | 5 | $ 821,000 | $ 164,000 | $ 106,000 |
| Columbia County New York | 5 | $ 610,000 | $ 122,000 | $ 129,000 |
| Genesee County New York | 5 | $ 851,000 | $ 170,000 | $ 98,000 |
| Orange County New York | 5 | $ 926,000 | $ 185,000 | $ 290,000 |
| St. Lawrence County New York | 5 | $ 397,000 | $ 79,000 | $ 67,000 |
| McKean County Pennsylvania | 5 | $ 302,000 | $ 60,000 | $ 41,000 |
| Rutland County Vermont | 5 | $ 700,000 | $ 140,000 | $ 83,000 |
| Bergen County New Jersey | 4 | $ 1,088,000 | $ 272,000 | $ 104,000 |
| Bronx County New York | 4 | $ 1,332,000 | $ 333,000 | $ 78,000 |
| Wyoming County New York | 4 | $ 449,000 | $ 112,000 | $ 66,000 |
| Beaver County Pennsylvania | 4 | $ 327,000 | $ 81,000 | $ 56,000 |
| Butler County Pennsylvania | 4 | $ 783,000 | $ 195,000 | $ 85,000 |
| Essex County New Jersey | 3 | $ 666,000 | $ 222,000 | $ 107,000 |
| Hunterdon County New Jersey | 3 | $ 883,000 | $ 294,000 | $ 113,000 |
| Ocean County New Jersey | 3 | $ 370,000 | $ 123,000 | $ 153,000 |
| Salem County New Jersey | 3 | $ 689,000 | $ 229,000 | $ 136,000 |
| Delaware County New York | 3 | $ 401,000 | $ 133,000 | $ 86,000 |
| Ontario County New York | 3 | $ 425,000 | $ 141,000 | $ 93,000 |
| Orleans County New York | 3 | $ 217,000 | $ 72,000 | $ 46,000 |
| Yates County New York | 3 | $ 204,000 | $ 68,000 | $ 54,000 |
| Pike County Pennsylvania | 3 | $ 355,000 | $ 118,000 | $ 51,000 |
| Litchfield County Connecticut | 2 | $ 434,000 | $ 217,000 | $ 75,000 |
| Mercer County New Jersey | 2 | $ 416,000 | $ 208,000 | $ 85,000 |
| Morris County New Jersey | 2 | $ 675,000 | $ 337,000 | $ 176,000 |
| Sussex County New Jersey | 2 | $ 411,000 | $ 205,000 | $ 134,000 |
| Cortland County New York | 2 | $ 261,000 | $ 130,000 | $ 87,000 |
| New York County New York | 2 | $ 2,226,000 | $ 1,113,000 | $ 265,000 |
| Schuyler County New York | 2 | $ 172,000 | $ 86,000 | $ 86,000 |
| Sullivan County New York | 2 | $ 311,000 | $ 155,000 | $ 247,000 |
| Wayne County New York | 2 | $ 232,000 | $ 116,000 | $ 60,000 |
| Cameron County Pennsylvania | 2 | $ 132,000 | $ 66,000 | $ 27,000 |
| Clearfield County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 35,000 |
| Crawford County Pennsylvania | 2 | $ 117,000 | $ 58,000 | $ 29,000 |
| Jefferson County Pennsylvania | 2 | $ 132,000 | $ 66,000 | $ 57,000 |
| Lackawanna County Pennsylvania | 2 | $ 85,000 | $ 42,000 | $ 134,000 |
| Monroe County Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 92,000 |
| Philadelphia County Pennsylvania | 2 | $ 225,000 | $ 112,000 | $ 78,000 |
| Tioga County Pennsylvania | 2 | $ 182,000 | $ 91,000 | $ 41,000 |
| Orleans County Vermont | 2 | $ 188,000 | $ 94,000 | $ 50,000 |
| Windham County Vermont | 2 | $ 358,000 | $ 179,000 | $ 32,000 |
| Hartford County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| New London County Connecticut | 1 | $ 250,000 | $ 250,000 | $ 90,000 |
| Burlington County New Jersey | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Cumberland County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Passaic County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 75,000 |
| Fulton County New York | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Greene County New York | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Hamilton County New York | 1 | $ 178,000 | $ 178,000 | $ 225,000 |
| Jefferson County New York | 1 | $ 160,000 | $ 160,000 | $ 188,000 |
| Lewis County New York | 1 | $ 88,000 | $ 88,000 | $ 73,000 |
| Richmond County New York | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Tioga County New York | 1 | $ 40,000 | $ 40,000 | $ 37,000 |
| Bradford County Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Delaware County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 136,000 |
| Fayette County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Montgomery County Pennsylvania | 1 | $ 304,000 | $ 304,000 | $ 181,000 |
| Potter County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Bennington County Vermont | 1 | $ 118,000 | $ 118,000 | $ 224,000 |
| Orange County Vermont | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Washington County Vermont | 1 | $ 172,000 | $ 172,000 | $ 75,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Ownerschoice Funding, Incorporated 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 | 1,730 | $271,998,000 | $157,000 | $1,935,000 | $86,000 | $1,064,000 |
| Home Purchase | 1,101 | $138,456,000 | $125,000 | $608,000 | $64,000 | $913,000 |
| Home Improvement | 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 | 2,427 | $351,611,000 | $144,000 | $1,935,000 | $78,000 | $1,064,000 |
| Not Provided | 255 | $33,921,000 | $133,000 | $560,000 | $72,000 | $275,000 |
| Black or African American | 70 | $11,404,000 | $162,000 | $393,000 | $75,000 | $181,000 |
| Hispanic | 53 | $9,178,000 | $173,000 | $485,000 | $74,000 | $159,000 |
| Asian | 19 | $3,527,000 | $185,000 | $360,000 | $91,000 | $162,000 |
| American Indian or Alaskan Native | 4 | $295,000 | $73,000 | $120,000 | $40,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $518,000 | $172,000 | $417,000 | $95,000 | $210,000 |
| Not applicable | 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) | 2,760 | $403,132,000 | $146,000 | $1,935,000 | $78,000 | $1,064,000 |
| FHA-insured (Federal Housing Administration) | 71 | $7,322,000 | $103,000 | $620,000 | $48,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,115 | $133,277,000 | $119,000 | $1,137,000 | $59,000 | $1,064,000 |
| Loan Originated | 1,057 | $157,381,000 | $148,000 | $608,000 | $88,000 | $436,000 |
| Application Withdrawn By Applicant | 625 | $113,925,000 | $182,000 | $1,935,000 | $92,000 | $450,000 |
| Application Approved But Not Accepted | 31 | $5,527,000 | $178,000 | $380,000 | $85,000 | $182,000 |
| Preapproval Denied by Financial Institution | 2 | $159,000 | $79,000 | $92,000 | $34,000 | $44,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $26,000 | $26,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 824 | $89,204,000 | $108,000 | $410,000 | $59,000 | $1,064,000 |
| Debt-To-Income Ratio | 191 | $27,104,000 | $141,000 | $730,000 | $47,000 | $169,000 |
| Collateral | 55 | $9,866,000 | $179,000 | $730,000 | $91,000 | $253,000 |
| Other | 25 | $3,092,000 | $123,000 | $308,000 | $76,000 | $222,000 |
| Employment History | 10 | $1,488,000 | $148,000 | $480,000 | $69,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,943,000 | $277,000 | $1,137,000 | $79,000 | $276,000 |
| Unverifiable Information | 2 | $289,000 | $144,000 | $240,000 | $98,000 | $148,000 |
| Mortgage Insurance Denied | 1 | $300,000 | $300,000 | $300,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New York, and search similar information at your convenience.