Ownerschoice Funding, Incorporated
Mortgage Loan Application
Totals and Details
for 2014
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 | 3,888 |
| Total Mortgage Loan Application Amount | $515,334,000 |
| Average Mortgage Loan Application Amount | $129,666 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $76,666 |
| Highest Applicant Income | $2,160,000 |
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 |
|---|---|---|---|---|
| Erie County New York | 454 | $ 49,672,000 | $ 109,000 | $ 69,000 |
| Niagara County New York | 124 | $ 12,654,000 | $ 102,000 | $ 62,000 |
| Oneida County New York | 115 | $ 12,583,000 | $ 109,000 | $ 70,000 |
| Suffolk County New York | 110 | $ 32,770,000 | $ 297,000 | $ 131,000 |
| Onondaga County New York | 97 | $ 10,702,000 | $ 110,000 | $ 68,000 |
| Chautauqua County New York | 77 | $ 6,667,000 | $ 86,000 | $ 62,000 |
| Beaver County Pennsylvania | 63 | $ 5,996,000 | $ 95,000 | $ 65,000 |
| Monroe County New York | 52 | $ 4,738,000 | $ 91,000 | $ 73,000 |
| Allegheny County Pennsylvania | 51 | $ 5,252,000 | $ 102,000 | $ 68,000 |
| Herkimer County New York | 43 | $ 5,560,000 | $ 129,000 | $ 80,000 |
| Oswego County New York | 42 | $ 3,810,000 | $ 90,000 | $ 68,000 |
| Madison County New York | 38 | $ 4,032,000 | $ 106,000 | $ 65,000 |
| Albany County New York | 35 | $ 4,850,000 | $ 138,000 | $ 77,000 |
| Saratoga County New York | 35 | $ 6,763,000 | $ 193,000 | $ 110,000 |
| Atlantic County New Jersey | 32 | $ 6,414,000 | $ 200,000 | $ 114,000 |
| Nassau County New York | 30 | $ 8,532,000 | $ 284,000 | $ 133,000 |
| Washington County New York | 30 | $ 3,033,000 | $ 101,000 | $ 63,000 |
| Clinton County New York | 22 | $ 2,639,000 | $ 119,000 | $ 59,000 |
| Rensselaer County New York | 22 | $ 2,548,000 | $ 115,000 | $ 66,000 |
| Cayuga County New York | 21 | $ 1,998,000 | $ 95,000 | $ 70,000 |
| Westchester County New York | 21 | $ 6,664,000 | $ 317,000 | $ 146,000 |
| Ulster County New York | 20 | $ 2,988,000 | $ 149,000 | $ 108,000 |
| Allegany County New York | 19 | $ 1,094,000 | $ 57,000 | $ 43,000 |
| Rockland County New York | 19 | $ 5,097,000 | $ 268,000 | $ 114,000 |
| Schenectady County New York | 19 | $ 2,790,000 | $ 146,000 | $ 82,000 |
| Lawrence County Pennsylvania | 18 | $ 1,628,000 | $ 90,000 | $ 58,000 |
| Camden County New Jersey | 17 | $ 2,219,000 | $ 130,000 | $ 79,000 |
| Franklin County New York | 17 | $ 1,359,000 | $ 79,000 | $ 88,000 |
| Cattaraugus County New York | 16 | $ 1,328,000 | $ 83,000 | $ 83,000 |
| Wyoming County New York | 15 | $ 1,515,000 | $ 101,000 | $ 79,000 |
| Columbia County New York | 14 | $ 1,861,000 | $ 132,000 | $ 70,000 |
| Gloucester County New Jersey | 13 | $ 2,055,000 | $ 158,000 | $ 82,000 |
| Warren County New York | 12 | $ 1,587,000 | $ 132,000 | $ 67,000 |
| Orleans County New York | 11 | $ 876,000 | $ 79,000 | $ 67,000 |
| Montgomery County New York | 10 | $ 905,000 | $ 90,000 | $ 53,000 |
| Orange County New York | 10 | $ 2,317,000 | $ 231,000 | $ 108,000 |
| Erie County Pennsylvania | 10 | $ 1,449,000 | $ 144,000 | $ 82,000 |
| Fairfield County Connecticut | 9 | $ 2,211,000 | $ 245,000 | $ 94,000 |
| Broome County New York | 9 | $ 943,000 | $ 104,000 | $ 93,000 |
| Chenango County New York | 9 | $ 680,000 | $ 75,000 | $ 47,000 |
| Ontario County New York | 9 | $ 1,004,000 | $ 111,000 | $ 66,000 |
| Queens County New York | 9 | $ 2,266,000 | $ 251,000 | $ 108,000 |
| Fayette County Pennsylvania | 9 | $ 808,000 | $ 89,000 | $ 80,000 |
| Venango County Pennsylvania | 9 | $ 696,000 | $ 77,000 | $ 53,000 |
| Cape May County New Jersey | 8 | $ 1,437,000 | $ 179,000 | $ 99,000 |
| Mercer County New Jersey | 8 | $ 1,519,000 | $ 189,000 | $ 102,000 |
| Elk County Pennsylvania | 8 | $ 516,000 | $ 64,000 | $ 99,000 |
| Warren County Pennsylvania | 8 | $ 641,000 | $ 80,000 | $ 52,000 |
| Bronx County New York | 7 | $ 2,412,000 | $ 344,000 | $ 134,000 |
| Schoharie County New York | 7 | $ 659,000 | $ 94,000 | $ 63,000 |
| Westmoreland County Pennsylvania | 7 | $ 811,000 | $ 115,000 | $ 88,000 |
| Windham County Vermont | 7 | $ 914,000 | $ 130,000 | $ 51,000 |
| Essex County New York | 6 | $ 612,000 | $ 102,000 | $ 87,000 |
| Genesee County New York | 6 | $ 567,000 | $ 94,000 | $ 66,000 |
| Jefferson County Pennsylvania | 6 | $ 380,000 | $ 63,000 | $ 58,000 |
| Burlington County New Jersey | 5 | $ 611,000 | $ 122,000 | $ 66,000 |
| Essex County New Jersey | 5 | $ 975,000 | $ 195,000 | $ 113,000 |
| Salem County New Jersey | 5 | $ 586,000 | $ 117,000 | $ 57,000 |
| Dutchess County New York | 5 | $ 1,338,000 | $ 267,000 | $ 151,000 |
| Kings County New York | 5 | $ 1,826,000 | $ 365,000 | $ 142,000 |
| McKean County Pennsylvania | 5 | $ 309,000 | $ 61,000 | $ 48,000 |
| Ocean County New Jersey | 4 | $ 631,000 | $ 157,000 | $ 112,000 |
| Fulton County New York | 4 | $ 451,000 | $ 112,000 | $ 101,000 |
| Greene County New York | 4 | $ 404,000 | $ 101,000 | $ 92,000 |
| New York County New York | 4 | $ 1,538,000 | $ 384,000 | $ 197,000 |
| Rutland County Vermont | 4 | $ 337,000 | $ 84,000 | $ 32,000 |
| New Haven County Connecticut | 3 | $ 691,000 | $ 230,000 | $ 171,000 |
| New London County Connecticut | 3 | $ 381,000 | $ 127,000 | $ 78,000 |
| Cheshire County New Hampshire | 3 | $ 483,000 | $ 161,000 | $ 88,000 |
| Monmouth County New Jersey | 3 | $ 569,000 | $ 189,000 | $ 93,000 |
| Somerset County New Jersey | 3 | $ 676,000 | $ 225,000 | $ 92,000 |
| Union County New Jersey | 3 | $ 584,000 | $ 194,000 | $ 72,000 |
| Chemung County New York | 3 | $ 191,000 | $ 63,000 | $ 49,000 |
| Delaware County New York | 3 | $ 314,000 | $ 104,000 | $ 67,000 |
| Butler County Pennsylvania | 3 | $ 304,000 | $ 101,000 | $ 42,000 |
| Cameron County Pennsylvania | 3 | $ 158,000 | $ 52,000 | $ 40,000 |
| Luzerne County Pennsylvania | 3 | $ 378,000 | $ 126,000 | $ 73,000 |
| Mercer County Pennsylvania | 3 | $ 219,000 | $ 73,000 | $ 62,000 |
| Monroe County Pennsylvania | 3 | $ 873,000 | $ 291,000 | $ 195,000 |
| Washington County Pennsylvania | 3 | $ 476,000 | $ 158,000 | $ 100,000 |
| Bergen County New Jersey | 2 | $ 295,000 | $ 147,000 | $ 44,000 |
| Cumberland County New Jersey | 2 | $ 148,000 | $ 74,000 | $ 37,000 |
| Passaic County New Jersey | 2 | $ 635,000 | $ 317,000 | $ 241,000 |
| Putnam County New York | 2 | $ 144,000 | $ 72,000 | $ 55,000 |
| St. Lawrence County New York | 2 | $ 147,000 | $ 73,000 | $ 57,000 |
| Wayne County New York | 2 | $ 116,000 | $ 58,000 | $ 40,000 |
| Armstrong County Pennsylvania | 2 | $ 188,000 | $ 94,000 | $ 122,000 |
| Clarion County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 26,000 |
| Delaware County Pennsylvania | 2 | $ 642,000 | $ 321,000 | $ 138,000 |
| Lackawanna County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 115,000 |
| Montgomery County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 89,000 |
| Pike County Pennsylvania | 2 | $ 241,000 | $ 120,000 | $ 75,000 |
| Tioga County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Wayne County Pennsylvania | 2 | $ 219,000 | $ 109,000 | $ 185,000 |
| Orleans County Vermont | 2 | $ 156,000 | $ 78,000 | $ 47,000 |
| Hartford County Connecticut | 1 | $ 246,000 | $ 246,000 | $ 98,000 |
| Middlesex County Connecticut | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Merrimack County New Hampshire | 1 | $ 173,000 | $ 173,000 | $ 103,000 |
| Hunterdon County New Jersey | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Middlesex County New Jersey | 1 | $ 187,000 | $ 187,000 | $ 63,000 |
| Jefferson County New York | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Lewis County New York | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Livingston County New York | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Richmond County New York | 1 | $ 400,000 | $ 400,000 | $ 93,000 |
| Steuben County New York | 1 | $ 90,000 | $ 90,000 | $ 76,000 |
| Sullivan County New York | 1 | $ 114,000 | $ 114,000 | $ 163,000 |
| Yates County New York | 1 | $ 212,000 | $ 212,000 | $ 198,000 |
| Bradford County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Carbon County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 243,000 |
| Clearfield County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Crawford County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 53,000 |
| Indiana County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Philadelphia County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 123,000 |
| Potter County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Sullivan County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 58,000 |
| Susquehanna County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 31,000 |
| Bennington County Vermont | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
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 2014
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 | 2,843 | $372,448,000 | $131,000 | $1,163,000 | $70,000 | $2,160,000 |
| Refinancing | 825 | $116,939,000 | $141,000 | $1,950,000 | $84,000 | $1,000,000 |
| Home Improvement | 220 | $25,947,000 | $117,000 | $510,000 | $76,000 | $425,000 |
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 | 3,001 | $392,067,000 | $130,000 | $1,950,000 | $74,000 | $2,160,000 |
| Not Provided | 617 | $80,606,000 | $130,000 | $600,000 | $69,000 | $373,000 |
| Black or African American | 154 | $22,803,000 | $148,000 | $442,000 | $72,000 | $433,000 |
| Hispanic | 67 | $13,140,000 | $196,000 | $796,000 | $90,000 | $422,000 |
| Asian | 28 | $4,586,000 | $163,000 | $402,000 | $62,000 | $142,000 |
| American Indian or Alaskan Native | 13 | $1,188,000 | $91,000 | $232,000 | $51,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $944,000 | $118,000 | $220,000 | $69,000 | $147,000 |
| 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) | 2,733 | $375,874,000 | $137,000 | $1,950,000 | $79,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 864 | $107,082,000 | $123,000 | $549,000 | $60,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 244 | $26,758,000 | $109,000 | $408,000 | $53,000 | $263,000 |
| VA-guaranteed (Veterans Administration) | 47 | $5,620,000 | $119,000 | $322,000 | $67,000 | $140,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,029 | $151,722,000 | $147,000 | $1,950,000 | $85,000 | $2,160,000 |
| Preapproval Denied by Financial Institution | 956 | $110,575,000 | $115,000 | $550,000 | $58,000 | $897,000 |
| Loan Originated | 702 | $87,682,000 | $124,000 | $550,000 | $78,000 | $791,000 |
| Application Denied By Financial Institution | 600 | $78,070,000 | $130,000 | $1,132,000 | $70,000 | $600,000 |
| Preapproval Approved but not Accepted | 524 | $79,043,000 | $150,000 | $796,000 | $74,000 | $600,000 |
| File Closed For Incompleteness | 42 | $4,021,000 | $95,000 | $275,000 | $63,000 | $153,000 |
| Application Approved But Not Accepted | 35 | $4,221,000 | $120,000 | $475,000 | $80,000 | $433,000 |
| Loan Purchased By The 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 | 857 | $95,350,000 | $111,000 | $611,000 | $61,000 | $600,000 |
| Debt-To-Income Ratio | 359 | $48,133,000 | $134,000 | $1,132,000 | $55,000 | $400,000 |
| Other | 189 | $23,540,000 | $124,000 | $408,000 | $74,000 | $897,000 |
| Collateral | 44 | $5,991,000 | $136,000 | $499,000 | $66,000 | $196,000 |
| Credit Application Incomplete | 30 | $5,292,000 | $176,000 | $468,000 | $101,000 | $444,000 |
| Employment History | 18 | $1,659,000 | $92,000 | $170,000 | $46,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $549,000 | $183,000 | $267,000 | $81,000 | $140,000 |
| Unverifiable Information | 2 | $321,000 | $160,000 | $213,000 | $103,000 | $154,000 |
| Mortgage Insurance Denied | 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.