Ownerschoice Funding, Incorporated
Mortgage Loan Application
Totals and Details
for 2016
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 | 5,216 |
| Total Mortgage Loan Application Amount | $715,945,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $72,666 |
| Highest Applicant Income | $922,000 |
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 | 481 | $ 58,191,000 | $ 120,000 | $ 76,000 |
| Niagara County New York | 151 | $ 16,290,000 | $ 107,000 | $ 71,000 |
| Suffolk County New York | 140 | $ 39,006,000 | $ 278,000 | $ 116,000 |
| Oneida County New York | 131 | $ 13,528,000 | $ 103,000 | $ 69,000 |
| Chautauqua County New York | 109 | $ 8,642,000 | $ 79,000 | $ 57,000 |
| Onondaga County New York | 97 | $ 10,342,000 | $ 106,000 | $ 55,000 |
| Nassau County New York | 77 | $ 24,190,000 | $ 314,000 | $ 128,000 |
| Beaver County Pennsylvania | 70 | $ 8,455,000 | $ 120,000 | $ 80,000 |
| Saratoga County New York | 63 | $ 13,909,000 | $ 220,000 | $ 115,000 |
| Allegheny County Pennsylvania | 60 | $ 7,462,000 | $ 124,000 | $ 77,000 |
| Herkimer County New York | 56 | $ 5,261,000 | $ 93,000 | $ 58,000 |
| Monroe County New York | 56 | $ 5,588,000 | $ 99,000 | $ 71,000 |
| Washington County New York | 41 | $ 4,225,000 | $ 103,000 | $ 62,000 |
| Albany County New York | 36 | $ 5,048,000 | $ 140,000 | $ 78,000 |
| Oswego County New York | 34 | $ 3,207,000 | $ 94,000 | $ 63,000 |
| Schenectady County New York | 34 | $ 4,871,000 | $ 143,000 | $ 78,000 |
| Fulton County New York | 32 | $ 4,073,000 | $ 127,000 | $ 78,000 |
| Clinton County New York | 31 | $ 3,059,000 | $ 98,000 | $ 55,000 |
| Madison County New York | 30 | $ 3,252,000 | $ 108,000 | $ 62,000 |
| Westchester County New York | 30 | $ 10,190,000 | $ 339,000 | $ 134,000 |
| Camden County New Jersey | 25 | $ 3,599,000 | $ 143,000 | $ 88,000 |
| Cattaraugus County New York | 23 | $ 2,323,000 | $ 101,000 | $ 86,000 |
| Essex County New York | 22 | $ 2,547,000 | $ 115,000 | $ 91,000 |
| Warren County New York | 22 | $ 3,937,000 | $ 178,000 | $ 94,000 |
| Atlantic County New Jersey | 21 | $ 3,119,000 | $ 148,000 | $ 78,000 |
| Gloucester County New Jersey | 21 | $ 2,968,000 | $ 141,000 | $ 98,000 |
| McKean County Pennsylvania | 21 | $ 2,000,000 | $ 95,000 | $ 71,000 |
| Allegany County New York | 17 | $ 762,000 | $ 44,000 | $ 48,000 |
| Ulster County New York | 17 | $ 2,810,000 | $ 165,000 | $ 84,000 |
| Windham County Vermont | 17 | $ 2,513,000 | $ 147,000 | $ 62,000 |
| Franklin County New York | 16 | $ 1,187,000 | $ 74,000 | $ 49,000 |
| Lawrence County Pennsylvania | 15 | $ 959,000 | $ 63,000 | $ 44,000 |
| Rensselaer County New York | 14 | $ 1,824,000 | $ 130,000 | $ 88,000 |
| Warren County Pennsylvania | 14 | $ 1,231,000 | $ 87,000 | $ 66,000 |
| Middlesex County New Jersey | 13 | $ 2,900,000 | $ 223,000 | $ 79,000 |
| Burlington County New Jersey | 12 | $ 1,745,000 | $ 145,000 | $ 111,000 |
| Salem County New Jersey | 12 | $ 1,321,000 | $ 110,000 | $ 63,000 |
| Rockland County New York | 12 | $ 3,010,000 | $ 250,000 | $ 128,000 |
| Elk County Pennsylvania | 12 | $ 1,065,000 | $ 88,000 | $ 47,000 |
| Westmoreland County Pennsylvania | 12 | $ 1,441,000 | $ 120,000 | $ 67,000 |
| Jefferson County New York | 11 | $ 1,100,000 | $ 100,000 | $ 91,000 |
| Orange County New York | 11 | $ 2,714,000 | $ 246,000 | $ 126,000 |
| St. Lawrence County New York | 11 | $ 1,157,000 | $ 105,000 | $ 60,000 |
| Orleans County New York | 10 | $ 988,000 | $ 98,000 | $ 57,000 |
| Erie County Pennsylvania | 10 | $ 727,000 | $ 72,000 | $ 55,000 |
| Broome County New York | 9 | $ 733,000 | $ 81,000 | $ 45,000 |
| Cayuga County New York | 9 | $ 735,000 | $ 81,000 | $ 68,000 |
| Genesee County New York | 9 | $ 980,000 | $ 108,000 | $ 73,000 |
| Montgomery County New York | 9 | $ 992,000 | $ 110,000 | $ 82,000 |
| Dutchess County New York | 8 | $ 2,265,000 | $ 283,000 | $ 101,000 |
| Butler County Pennsylvania | 8 | $ 963,000 | $ 120,000 | $ 79,000 |
| Cameron County Pennsylvania | 8 | $ 470,000 | $ 58,000 | $ 72,000 |
| Rutland County Vermont | 8 | $ 897,000 | $ 112,000 | $ 56,000 |
| Chenango County New York | 7 | $ 581,000 | $ 83,000 | $ 50,000 |
| Columbia County New York | 7 | $ 1,065,000 | $ 152,000 | $ 84,000 |
| Schoharie County New York | 7 | $ 898,000 | $ 128,000 | $ 77,000 |
| Wyoming County New York | 7 | $ 510,000 | $ 72,000 | $ 68,000 |
| Fairfield County Connecticut | 6 | $ 1,709,000 | $ 284,000 | $ 173,000 |
| New Haven County Connecticut | 6 | $ 972,000 | $ 162,000 | $ 88,000 |
| Ontario County New York | 6 | $ 573,000 | $ 95,000 | $ 64,000 |
| Jefferson County Pennsylvania | 6 | $ 476,000 | $ 79,000 | $ 63,000 |
| Philadelphia County Pennsylvania | 6 | $ 694,000 | $ 115,000 | $ 78,000 |
| Lee County Florida | 5 | $ 533,000 | $ 106,000 | $ 99,000 |
| Mercer County New Jersey | 5 | $ 1,084,000 | $ 216,000 | $ 125,000 |
| Monmouth County New Jersey | 5 | $ 1,059,000 | $ 211,000 | $ 72,000 |
| Somerset County New Jersey | 5 | $ 909,000 | $ 181,000 | $ 85,000 |
| Union County New Jersey | 5 | $ 899,000 | $ 179,000 | $ 111,000 |
| Steuben County New York | 5 | $ 199,000 | $ 39,000 | $ 32,000 |
| Clearfield County Pennsylvania | 5 | $ 229,000 | $ 45,000 | $ 69,000 |
| Washington County Pennsylvania | 5 | $ 470,000 | $ 94,000 | $ 73,000 |
| Pinellas County Florida | 4 | $ 376,000 | $ 94,000 | $ 104,000 |
| Cape May County New Jersey | 4 | $ 832,000 | $ 208,000 | $ 188,000 |
| Morris County New Jersey | 4 | $ 1,094,000 | $ 273,000 | $ 109,000 |
| Ocean County New Jersey | 4 | $ 315,000 | $ 78,000 | $ 152,000 |
| Bronx County New York | 4 | $ 799,000 | $ 199,000 | $ 106,000 |
| Delaware County New York | 4 | $ 402,000 | $ 100,000 | $ 61,000 |
| Greene County New York | 4 | $ 529,000 | $ 132,000 | $ 50,000 |
| Hamilton County New York | 4 | $ 333,000 | $ 83,000 | $ 45,000 |
| Putnam County New York | 4 | $ 468,000 | $ 117,000 | $ 73,000 |
| Queens County New York | 4 | $ 780,000 | $ 195,000 | $ 200,000 |
| Fayette County Pennsylvania | 4 | $ 385,000 | $ 96,000 | $ 48,000 |
| Pike County Pennsylvania | 4 | $ 344,000 | $ 86,000 | $ 38,000 |
| Pasco County Florida | 3 | $ 366,000 | $ 122,000 | $ 69,000 |
| Bergen County New Jersey | 3 | $ 742,000 | $ 247,000 | $ 124,000 |
| Chemung County New York | 3 | $ 158,000 | $ 52,000 | $ 32,000 |
| Kings County New York | 3 | $ 994,000 | $ 331,000 | $ 117,000 |
| Livingston County New York | 3 | $ 332,000 | $ 110,000 | $ 56,000 |
| Otsego County New York | 3 | $ 608,000 | $ 202,000 | $ 110,000 |
| Wayne County New York | 3 | $ 349,000 | $ 116,000 | $ 62,000 |
| Mecklenburg County North Carolina | 3 | $ 552,000 | $ 184,000 | $ 77,000 |
| Tioga County Pennsylvania | 3 | $ 472,000 | $ 157,000 | $ 62,000 |
| Venango County Pennsylvania | 3 | $ 210,000 | $ 70,000 | $ 62,000 |
| New Castle County Delaware | 2 | $ 324,000 | $ 162,000 | $ 104,000 |
| Broward County Florida | 2 | $ 348,000 | $ 174,000 | $ 175,000 |
| Citrus County Florida | 2 | $ 237,000 | $ 118,000 | $ 103,000 |
| Polk County Florida | 2 | $ 215,000 | $ 107,000 | $ 92,000 |
| Sarasota County Florida | 2 | $ 386,000 | $ 193,000 | $ 202,000 |
| Essex County New Jersey | 2 | $ 559,000 | $ 279,000 | $ 126,000 |
| Richmond County New York | 2 | $ 682,000 | $ 341,000 | $ 158,000 |
| Sullivan County New York | 2 | $ 299,000 | $ 149,000 | $ 53,000 |
| Tioga County New York | 2 | $ 219,000 | $ 109,000 | $ 70,000 |
| Blair County Pennsylvania | 2 | $ 221,000 | $ 110,000 | $ 97,000 |
| Clarion County Pennsylvania | 2 | $ 292,000 | $ 146,000 | $ 120,000 |
| Monroe County Pennsylvania | 2 | $ 459,000 | $ 229,000 | $ 120,000 |
| Potter County Pennsylvania | 2 | $ 126,000 | $ 63,000 | $ 49,000 |
| Aiken County South Carolina | 2 | $ 105,000 | $ 52,000 | $ 40,000 |
| Sussex County Delaware | 1 | $ 153,000 | $ 153,000 | $ 36,000 |
| Alachua County Florida | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Brevard County Florida | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| Collier County Florida | 1 | $ 70,000 | $ 70,000 | $ 172,000 |
| Hillsborough County Florida | 1 | $ 94,000 | $ 94,000 | $ 35,000 |
| Indian River County Florida | 1 | $ 70,000 | $ 70,000 | $ 116,000 |
| Lake County Florida | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Manatee County Florida | 1 | $ 188,000 | $ 188,000 | $ 123,000 |
| Marion County Florida | 1 | $ 153,000 | $ 153,000 | $ 30,000 |
| Miami-Dade County Florida | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Palm Beach County Florida | 1 | $ 72,000 | $ 72,000 | $ 125,000 |
| St. Lucie County Florida | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Volusia County Florida | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| Walton County Florida | 1 | $ 300,000 | $ 300,000 | $ 71,000 |
| Grafton County New Hampshire | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| Hudson County New Jersey | 1 | $ 276,000 | $ 276,000 | $ 170,000 |
| Passaic County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Sussex County New Jersey | 1 | $ 104,000 | $ 104,000 | $ 238,000 |
| Cortland County New York | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| Lewis County New York | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| New York County New York | 1 | $ 400,000 | $ 400,000 | $ 72,000 |
| Seneca County New York | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Tompkins County New York | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Yates County New York | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| Alexander County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Buncombe County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 117,000 |
| Chatham County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 111,000 |
| Dare County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Harnett County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Lincoln County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 79,000 |
| Moore County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 75,000 |
| Cambria County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 41,000 |
| Chester County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Crawford County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 60,000 |
| Indiana County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Luzerne County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Mercer County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Montgomery County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Snyder County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 125,000 |
| Susquehanna County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 104,000 |
| Berkeley County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 59,000 |
| Bennington County Vermont | 1 | $ 117,000 | $ 117,000 | $ 24,000 |
| Franklin County Vermont | 1 | $ 190,000 | $ 190,000 | $ 89,000 |
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 2016
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 | 3,952 | $534,442,000 | $135,000 | $778,000 | $67,000 | $655,000 |
| Refinancing | 1,190 | $172,647,000 | $145,000 | $2,665,000 | $85,000 | $922,000 |
| Home Improvement | 74 | $8,856,000 | $119,000 | $480,000 | $66,000 | $221,000 |
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 | 4,015 | $540,747,000 | $134,000 | $2,665,000 | $72,000 | $778,000 |
| Not Provided | 428 | $61,435,000 | $143,000 | $778,000 | $73,000 | $293,000 |
| Black or African American | 390 | $54,093,000 | $138,000 | $565,000 | $66,000 | $922,000 |
| Hispanic | 239 | $39,842,000 | $166,000 | $574,000 | $75,000 | $575,000 |
| Asian | 107 | $15,966,000 | $149,000 | $626,000 | $65,000 | $324,000 |
| American Indian or Alaskan Native | 26 | $2,627,000 | $101,000 | $476,000 | $55,000 | $174,000 |
| Native Hawaiin or Other Pacific Islander | 10 | $1,164,000 | $116,000 | $216,000 | $63,000 | $229,000 |
| Not applicable | 1 | $71,000 | $71,000 | $71,000 | $30,000 | $30,000 |
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) | 3,704 | $520,222,000 | $140,000 | $2,665,000 | $76,000 | $778,000 |
| FHA-insured (Federal Housing Administration) | 1,068 | $140,284,000 | $131,000 | $778,000 | $60,000 | $922,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 325 | $38,524,000 | $118,000 | $345,000 | $57,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 119 | $16,915,000 | $142,000 | $371,000 | $65,000 | $231,000 |
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 |
|---|---|---|---|---|---|---|
| Preapproval Approved but not Accepted | 1,716 | $255,608,000 | $148,000 | $778,000 | $71,000 | $575,000 |
| Loan Originated | 947 | $122,444,000 | $129,000 | $626,000 | $79,000 | $778,000 |
| Preapproval Denied by Financial Institution | 927 | $105,120,000 | $113,000 | $715,000 | $53,000 | $309,000 |
| Application Denied By Financial Institution | 772 | $108,176,000 | $140,000 | $700,000 | $72,000 | $433,000 |
| Application Withdrawn By Applicant | 720 | $107,989,000 | $149,000 | $2,665,000 | $88,000 | $922,000 |
| File Closed For Incompleteness | 120 | $14,929,000 | $124,000 | $700,000 | $67,000 | $249,000 |
| Application Approved But Not Accepted | 14 | $1,679,000 | $119,000 | $316,000 | $70,000 | $171,000 |
| 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 | 655 | $73,470,000 | $112,000 | $585,000 | $59,000 | $302,000 |
| Debt-To-Income Ratio | 511 | $68,151,000 | $133,000 | $700,000 | $54,000 | $319,000 |
| Other | 184 | $21,586,000 | $117,000 | $500,000 | $73,000 | $314,000 |
| Collateral | 110 | $15,271,000 | $138,000 | $573,000 | $78,000 | $330,000 |
| Credit Application Incomplete | 110 | $17,297,000 | $157,000 | $570,000 | $82,000 | $433,000 |
| Employment History | 13 | $1,940,000 | $149,000 | $391,000 | $61,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $31,000 | $31,000 |
| Unverifiable Information | 1 | $715,000 | $715,000 | $715,000 | $220,000 | $220,000 |
| 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.