The Upstate National Bank Mortgage Lending & HMDA Data, 2023
In 2023, The Upstate National Bank of Ogdensburg, NY reported 75 mortgage applications totaling $29.0 million, down 52% from 2022. The average application was for $386,600, and applicants reported an average income of $0. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (27), Buffalo-Cheektowaga-Niagara Falls, NY (15) and Syracuse, NY (10) (applications in parentheses).
| Mortgage Company & Address | The Upstate National Bank 150 State St Ogdensburg, NY 14614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 75 |
| Total Mortgage Loan Application Amount | $28,995,000 |
| Average Mortgage Loan Application Amount | $386,600 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Upstate National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for The Upstate National Bank in 2023
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 | 36 | $15,720,000 | $436,000 | $3,505,000 | $0 | $0 |
| Cash-out Refinancing | 23 | $7,655,000 | $332,000 | $905,000 | $0 | $0 |
| Refinancing | 13 | $5,175,000 | $398,000 | $1,405,000 | $0 | $0 |
| Other Purpose | 2 | $360,000 | $180,000 | $255,000 | $0 | $0 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 69 | $26,285,000 | $380,000 | $3,505,000 | $0 | $0 |
| White | 5 | $2,405,000 | $481,000 | $1,165,000 | $0 | $0 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 75 | $28,995,000 | $386,000 | $3,505,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 60 | $19,360,000 | $322,000 | $1,405,000 | $0 | $0 |
| Application Withdrawn By Applicant | 10 | $7,370,000 | $737,000 | $3,505,000 | $0 | $0 |
| Application Denied By Financial Institution | 4 | $1,960,000 | $490,000 | $755,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 71 | $27,035,000 | $380,000 | $3,505,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $750,000 | $375,000 | $395,000 | $0 | $0 |
| Credit History | 2 | $1,210,000 | $605,000 | $755,000 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Upstate National Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Upstate National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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