Ownerschoice Funding, Incorporated
Mortgage Loan Application
Totals and Details
for 2020
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 | 2,798 |
| Total Mortgage Loan Application Amount | $502,240,000 |
| Average Mortgage Loan Application Amount | $160,250 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $99,250 |
| Highest Applicant Income | $2,640,000 |
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 | 654 | $ 100,830,000 | $ 154,000 | $ 95,000 |
| Niagara County New York | 317 | $ 43,585,000 | $ 137,000 | $ 99,000 |
| Suffolk County New York | 229 | $ 68,345,000 | $ 298,000 | $ 153,000 |
| Oneida County New York | 148 | $ 20,010,000 | $ 135,000 | $ 86,000 |
| Onondaga County New York | 136 | $ 17,240,000 | $ 126,000 | $ 88,000 |
| Nassau County New York | 129 | $ 44,355,000 | $ 343,000 | $ 166,000 |
| Saratoga County New York | 75 | $ 15,175,000 | $ 202,000 | $ 103,000 |
| Monroe County New York | 68 | $ 8,760,000 | $ 128,000 | $ 88,000 |
| Chautauqua County New York | 60 | $ 6,500,000 | $ 108,000 | $ 78,000 |
| Allegheny County Pennsylvania | 48 | $ 7,400,000 | $ 154,000 | $ 102,000 |
| Sussex County Delaware | 38 | $ 9,420,000 | $ 247,000 | $ 138,000 |
| Atlantic County New Jersey | 35 | $ 6,505,000 | $ 185,000 | $ 102,000 |
| Essex County New York | 35 | $ 4,265,000 | $ 121,000 | $ 70,000 |
| Herkimer County New York | 31 | $ 3,405,000 | $ 109,000 | $ 61,000 |
| Oswego County New York | 28 | $ 3,010,000 | $ 107,000 | $ 76,000 |
| Westchester County New York | 28 | $ 10,540,000 | $ 376,000 | $ 174,000 |
| Orange County New York | 23 | $ 6,495,000 | $ 282,000 | $ 198,000 |
| Ulster County New York | 23 | $ 4,415,000 | $ 191,000 | $ 125,000 |
| Albany County New York | 21 | $ 4,185,000 | $ 199,000 | $ 124,000 |
| Clinton County New York | 21 | $ 3,065,000 | $ 145,000 | $ 80,000 |
| Washington County New York | 20 | $ 2,660,000 | $ 133,000 | $ 65,000 |
| Franklin County New York | 19 | $ 2,845,000 | $ 149,000 | $ 107,000 |
| Fulton County New York | 19 | $ 2,235,000 | $ 117,000 | $ 89,000 |
| Madison County New York | 19 | $ 3,115,000 | $ 163,000 | $ 98,000 |
| New Castle County Delaware | 18 | $ 3,960,000 | $ 220,000 | $ 138,000 |
| Allegany County New York | 17 | $ 1,265,000 | $ 74,000 | $ 72,000 |
| Washington County Pennsylvania | 17 | $ 2,765,000 | $ 162,000 | $ 82,000 |
| Cape May County New Jersey | 16 | $ 3,860,000 | $ 241,000 | $ 102,000 |
| Middlesex County New Jersey | 16 | $ 3,890,000 | $ 243,000 | $ 134,000 |
| Cattaraugus County New York | 16 | $ 1,510,000 | $ 94,000 | $ 66,000 |
| Salem County New Jersey | 15 | $ 2,005,000 | $ 133,000 | $ 80,000 |
| Beaver County Pennsylvania | 15 | $ 1,415,000 | $ 94,000 | $ 60,000 |
| Lawrence County Pennsylvania | 15 | $ 1,875,000 | $ 125,000 | $ 99,000 |
| Queens County New York | 14 | $ 5,600,000 | $ 400,000 | $ 153,000 |
| Rensselaer County New York | 14 | $ 2,250,000 | $ 160,000 | $ 85,000 |
| Kent County Delaware | 13 | $ 2,235,000 | $ 171,000 | $ 91,000 |
| Cayuga County New York | 12 | $ 1,220,000 | $ 101,000 | $ 79,000 |
| St. Lawrence County New York | 12 | $ 1,750,000 | $ 145,000 | $ 78,000 |
| Rockland County New York | 10 | $ 2,260,000 | $ 226,000 | $ 103,000 |
| Bergen County New Jersey | 9 | $ 2,905,000 | $ 322,000 | $ 243,000 |
| Genesee County New York | 9 | $ 1,175,000 | $ 130,000 | $ 85,000 |
| Warren County New York | 9 | $ 1,475,000 | $ 163,000 | $ 113,000 |
| Wyoming County New York | 9 | $ 995,000 | $ 110,000 | $ 91,000 |
| Ontario County New York | 8 | $ 1,450,000 | $ 181,000 | $ 143,000 |
| Orleans County New York | 8 | $ 860,000 | $ 107,000 | $ 67,000 |
| Fairfield County Connecticut | 7 | $ 1,995,000 | $ 285,000 | $ 129,000 |
| Gloucester County New Jersey | 7 | $ 1,045,000 | $ 149,000 | $ 105,000 |
| Union County New Jersey | 7 | $ 2,695,000 | $ 385,000 | $ 280,000 |
| Dutchess County New York | 7 | $ 1,505,000 | $ 215,000 | $ 78,000 |
| Montgomery County New York | 7 | $ 965,000 | $ 137,000 | $ 78,000 |
| Palm Beach County Florida | 6 | $ 1,200,000 | $ 200,000 | $ 103,000 |
| St. Lucie County Florida | 6 | $ 1,030,000 | $ 171,000 | $ 126,000 |
| Hudson County New Jersey | 6 | $ 1,870,000 | $ 311,000 | $ 150,000 |
| Schoharie County New York | 6 | $ 680,000 | $ 113,000 | $ 116,000 |
| Butler County Pennsylvania | 6 | $ 1,050,000 | $ 175,000 | $ 103,000 |
| Philadelphia County Pennsylvania | 6 | $ 1,240,000 | $ 206,000 | $ 185,000 |
| Collier County Florida | 5 | $ 1,185,000 | $ 237,000 | $ 119,000 |
| Lee County Florida | 5 | $ 785,000 | $ 157,000 | $ 110,000 |
| Monmouth County New Jersey | 5 | $ 1,155,000 | $ 231,000 | $ 113,000 |
| Ocean County New Jersey | 5 | $ 1,155,000 | $ 231,000 | $ 186,000 |
| Somerset County New Jersey | 5 | $ 1,015,000 | $ 203,000 | $ 90,000 |
| Jefferson County New York | 5 | $ 655,000 | $ 131,000 | $ 127,000 |
| Schenectady County New York | 5 | $ 805,000 | $ 161,000 | $ 75,000 |
| Wayne County New York | 5 | $ 725,000 | $ 145,000 | $ 120,000 |
| Warren County Pennsylvania | 5 | $ 445,000 | $ 89,000 | $ 56,000 |
| New Haven County Connecticut | 4 | $ 1,230,000 | $ 307,000 | $ 242,000 |
| Pinellas County Florida | 4 | $ 700,000 | $ 175,000 | $ 89,000 |
| Burlington County New Jersey | 4 | $ 1,020,000 | $ 255,000 | $ 202,000 |
| Essex County New Jersey | 4 | $ 950,000 | $ 237,000 | $ 150,000 |
| Morris County New Jersey | 4 | $ 1,510,000 | $ 377,000 | $ 270,000 |
| Broome County New York | 4 | $ 520,000 | $ 130,000 | $ 60,000 |
| Livingston County New York | 4 | $ 370,000 | $ 92,000 | $ 48,000 |
| Putnam County New York | 4 | $ 1,290,000 | $ 322,000 | $ 86,000 |
| Tompkins County New York | 4 | $ 990,000 | $ 247,000 | $ 138,000 |
| Erie County Pennsylvania | 4 | $ 430,000 | $ 107,000 | $ 64,000 |
| McKean County Pennsylvania | 4 | $ 200,000 | $ 50,000 | $ 52,000 |
| Charleston County South Carolina | 4 | $ 1,240,000 | $ 310,000 | $ 316,000 |
| Manatee County Florida | 3 | $ 1,115,000 | $ 371,000 | $ 222,000 |
| Volusia County Florida | 3 | $ 555,000 | $ 185,000 | $ 110,000 |
| Cumberland County New Jersey | 3 | $ 495,000 | $ 165,000 | $ 95,000 |
| Columbia County New York | 3 | $ 485,000 | $ 161,000 | $ 101,000 |
| Hamilton County New York | 3 | $ 405,000 | $ 135,000 | $ 85,000 |
| Lewis County New York | 3 | $ 285,000 | $ 95,000 | $ 70,000 |
| Sullivan County New York | 3 | $ 515,000 | $ 171,000 | $ 129,000 |
| Brunswick County North Carolina | 3 | $ 485,000 | $ 161,000 | $ 68,000 |
| Franklin County Ohio | 3 | $ 1,005,000 | $ 335,000 | $ 160,000 |
| Bucks County Pennsylvania | 3 | $ 775,000 | $ 258,000 | $ 274,000 |
| Cameron County Pennsylvania | 3 | $ 185,000 | $ 61,000 | $ 52,000 |
| Carbon County Pennsylvania | 3 | $ 295,000 | $ 98,000 | $ 197,000 |
| Clearfield County Pennsylvania | 3 | $ 245,000 | $ 81,000 | $ 133,000 |
| Crawford County Pennsylvania | 3 | $ 185,000 | $ 61,000 | $ 64,000 |
| Elk County Pennsylvania | 3 | $ 345,000 | $ 115,000 | $ 83,000 |
| Jefferson County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 87,000 |
| Montgomery County Pennsylvania | 3 | $ 985,000 | $ 328,000 | $ 138,000 |
| Beaufort County South Carolina | 3 | $ 745,000 | $ 248,000 | $ 112,000 |
| Windham County Vermont | 3 | $ 425,000 | $ 141,000 | $ 66,000 |
| Broward County Florida | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Clay County Florida | 2 | $ 400,000 | $ 200,000 | $ 161,000 |
| Hillsborough County Florida | 2 | $ 270,000 | $ 135,000 | $ 138,000 |
| Lake County Florida | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| Orange County Florida | 2 | $ 590,000 | $ 295,000 | $ 100,000 |
| Sarasota County Florida | 2 | $ 410,000 | $ 205,000 | $ 247,000 |
| Camden County New Jersey | 2 | $ 340,000 | $ 170,000 | $ 102,000 |
| Mercer County New Jersey | 2 | $ 360,000 | $ 180,000 | $ 128,000 |
| Greene County New York | 2 | $ 330,000 | $ 165,000 | $ 93,000 |
| Kings County New York | 2 | $ 660,000 | $ 330,000 | $ 155,000 |
| Otsego County New York | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Tioga County New York | 2 | $ 360,000 | $ 180,000 | $ 81,000 |
| Mecklenburg County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 97,000 |
| New Hanover County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 176,000 |
| Fayette County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 79,000 |
| Venango County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 78,000 |
| Westmoreland County Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 136,000 |
| Berkeley County South Carolina | 2 | $ 290,000 | $ 145,000 | $ 96,000 |
| Chittenden County Vermont | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Brevard County Florida | 1 | $ 195,000 | $ 195,000 | $ 164,000 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Franklin County Florida | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Indian River County Florida | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Marion County Florida | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Putnam County Florida | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Seminole County Florida | 1 | $ 295,000 | $ 295,000 | $ 162,000 |
| Hunterdon County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Passaic County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Sussex County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Warren County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Bronx County New York | 1 | $ 505,000 | $ 505,000 | $ 199,000 |
| Chemung County New York | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Chenango County New York | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Cortland County New York | 1 | $ 135,000 | $ 135,000 | $ 164,000 |
| Delaware County New York | 1 | $ 95,000 | $ 95,000 | $ 186,000 |
| Richmond County New York | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Schuyler County New York | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Seneca County New York | 1 | $ 125,000 | $ 125,000 | $ 115,000 |
| Yates County New York | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Dare County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Franklin County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 131,000 |
| Onslow County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Perquimans County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Union County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Wake County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 249,000 |
| Defiance County Ohio | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Henry County Ohio | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Mahoning County Ohio | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Paulding County Ohio | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Trumbull County Ohio | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Warren County Ohio | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Wood County Ohio | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Berks County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 187,000 |
| Cambria County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Delaware County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Luzerne County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Monroe County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Schuylkill County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 165,000 |
| Horry County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 298,000 |
| Marlboro County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Bennington County Vermont | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Rutland County Vermont | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
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 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,156 | $214,850,000 | $185,000 | $925,000 | $109,000 | $2,640,000 |
| Refinancing | 938 | $177,700,000 | $189,000 | $755,000 | $119,000 | $720,000 |
| Home Purchase | 682 | $107,270,000 | $157,000 | $755,000 | $90,000 | $905,000 |
| Home Improvement | 22 | $2,420,000 | $110,000 | $505,000 | $79,000 | $199,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 2,265 | $400,155,000 | $176,000 | $925,000 | $107,000 | $905,000 |
| Not Provided | 306 | $55,190,000 | $180,000 | $625,000 | $114,000 | $2,640,000 |
| Black or African American | 94 | $15,900,000 | $169,000 | $595,000 | $86,000 | $302,000 |
| Hispanic | 84 | $19,800,000 | $235,000 | $525,000 | $122,000 | $456,000 |
| Asian | 26 | $7,230,000 | $278,000 | $585,000 | $147,000 | $400,000 |
| American Indian or Alaskan Native | 12 | $1,680,000 | $140,000 | $275,000 | $113,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $95,000 | $46,000 | $64,000 |
| Not applicable | 1 | $225,000 | $225,000 | $225,000 | $104,000 | $104,000 |
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) | 2,750 | $495,080,000 | $180,000 | $925,000 | $108,000 | $2,640,000 |
| FHA-insured (Federal Housing Administration) | 41 | $5,845,000 | $142,000 | $505,000 | $65,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,270,000 | $211,000 | $305,000 | $95,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $52,000 | $52,000 |
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 | 1,543 | $284,805,000 | $184,000 | $745,000 | $110,000 | $667,000 |
| Application Withdrawn By Applicant | 615 | $109,275,000 | $177,000 | $755,000 | $113,000 | $2,640,000 |
| Application Denied By Financial Institution | 447 | $74,705,000 | $167,000 | $585,000 | $90,000 | $650,000 |
| File Closed For Incompleteness | 163 | $27,265,000 | $167,000 | $925,000 | $110,000 | $720,000 |
| Application Approved But Not Accepted | 30 | $6,190,000 | $206,000 | $455,000 | $93,000 | $188,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,351 | $427,535,000 | $181,000 | $925,000 | $111,000 | $2,640,000 |
| Other | 111 | $18,695,000 | $168,000 | $415,000 | $98,000 | $353,000 |
| Debt-To-Income Ratio | 104 | $18,650,000 | $179,000 | $585,000 | $66,000 | $198,000 |
| Credit History | 90 | $12,740,000 | $141,000 | $505,000 | $81,000 | $367,000 |
| Collateral | 65 | $10,765,000 | $165,000 | $505,000 | $111,000 | $350,000 |
| Credit Application Incomplete | 51 | $10,205,000 | $200,000 | $535,000 | $126,000 | $650,000 |
| Employment History | 23 | $3,435,000 | $149,000 | $325,000 | $62,000 | $206,000 |
| Unverifiable Information | 3 | $215,000 | $71,000 | $85,000 | $45,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.