Lewis County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 740 mortgage applications in Lewis County, NY totaling $101.9 million, about the same as 2024. The average application was for $137,000, and applicants reported an average income of $109,000. 62% of applications resulted in an originated loan and 19% were denied. The most active lender was Northern Credit Union, with 170 applications, followed by Community Bank, N.A. and Americu Credit Union.
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| Years | 2025 2024 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 | 740 |
| Total Mortgage Loan Application Amount | $101,890,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $2,448,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 170 | $ 17,760,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 118 | $ 13,800,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 65 | $ 8,555,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ n/a | 57 | $ 7,145,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 25 | $ 5,155,000 |
| Rt Federal Credit Union 924 TURIN ST ROME, NY 13440 |
* | $ n/a | 19 | $ 1,425,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 16 | $ 2,840,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 16 | $ 3,480,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 3,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 12 | $ 2,340,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 2,055,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 11 | $ 1,165,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 10 | $ 1,230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 1,020,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 9 | $ 1,995,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,935,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 8 | $ 1,570,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 870,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 775,000 |
| Gouverneur Savings & Loan 42 CHURCH STREET GOUVERNEUR, NY 13642 |
* | $ n/a | 5 | $ 665,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 5 | $ 505,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 5 | $ 875,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,495,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 5 | $ 605,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 4 | $ 650,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 4 | $ 350,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ n/a | 4 | $ 210,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 4 | $ 770,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 510,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 910,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 365,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 3 | $ 625,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 100,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 420,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 110,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 180,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 400,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 2 | $ 280,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 210,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 320,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 220,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 235,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 1 | $ 225,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 1 | $ 285,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ n/a | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 75,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 165,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 235,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 305,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 295,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD NEW HARTFORD, NY 13413 |
* | $ n/a | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 295,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 245,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 185,000 |
| Climate First Bank 182 37TH AVE N ST PETERSBURG, FL 33704 |
* | $ n/a | 1 | $ 155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 265,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ n/a | 1 | $ 255,000 |
| Beacon Bank & Trust ALBANY, NY 12207 |
* | $ n/a | 1 | $ 255,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 1 | $ 255,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 95,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 125,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 1 | $ 225,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 1 | $ 55,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 1 | $ 155,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 185,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 265,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 185,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 1 | $ 185,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ n/a | 1 | $ 35,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 65,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 155,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 165,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ n/a | 1 | $ 105,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 1 | $ 295,000 |
The tables below break down 2025 mortgage applications in Lewis County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lewis County, NY in 2025
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 | 334 | $60,030,000 | $179,000 | $1,405,000 | $107,000 | $809,000 |
| Other Purpose | 129 | $10,495,000 | $81,000 | $505,000 | $121,000 | $2,436,000 |
| Home Improvement | 128 | $9,430,000 | $73,000 | $545,000 | $97,000 | $339,000 |
| Refinancing | 100 | $12,750,000 | $127,000 | $505,000 | $89,000 | $262,000 |
| Cash-out Refinancing | 48 | $9,000,000 | $187,000 | $1,205,000 | $153,000 | $2,448,000 |
| Not Applicable | 1 | $185,000 | $185,000 | $185,000 | $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 | 619 | $79,655,000 | $128,000 | $615,000 | $109,000 | $2,448,000 |
| Not Provided | 47 | $7,405,000 | $157,000 | $435,000 | $92,000 | $284,000 |
| Not applicable | 36 | $9,310,000 | $258,000 | $1,405,000 | $104,000 | $166,000 |
| Hispanic | 23 | $3,715,000 | $161,000 | $405,000 | $99,000 | $234,000 |
| Black or African American | 11 | $1,395,000 | $126,000 | $215,000 | $124,000 | $277,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $205,000 | $93,000 | $109,000 |
| Asian | 2 | $130,000 | $65,000 | $65,000 | $300,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 619 | $77,545,000 | $125,000 | $1,405,000 | $112,000 | $2,448,000 |
| FHA-insured (Federal Housing Administration) | 58 | $10,780,000 | $185,000 | $505,000 | $81,000 | $293,000 |
| VA-guaranteed (Veterans Administration) | 53 | $11,945,000 | $225,000 | $405,000 | $103,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,620,000 | $162,000 | $185,000 | $62,000 | $86,000 |
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 | 462 | $64,570,000 | $139,000 | $1,405,000 | $107,000 | $809,000 |
| Application Denied By Financial Institution | 144 | $17,230,000 | $119,000 | $505,000 | $106,000 | $2,448,000 |
| Application Withdrawn By Applicant | 58 | $7,810,000 | $134,000 | $505,000 | $140,000 | $2,436,000 |
| Loan Purchased By The Institution | 32 | $5,950,000 | $185,000 | $405,000 | $106,000 | $166,000 |
| Application Approved But Not Accepted | 22 | $2,760,000 | $125,000 | $355,000 | $86,000 | $300,000 |
| File Closed For Incompleteness | 21 | $3,325,000 | $158,000 | $425,000 | $98,000 | $254,000 |
| Preapproval Approved but not Accepted | 1 | $245,000 | $245,000 | $245,000 | $59,000 | $59,000 |
| 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 | 595 | $84,555,000 | $142,000 | $1,405,000 | $109,000 | $2,436,000 |
| Debt-To-Income Ratio | 52 | $6,770,000 | $130,000 | $505,000 | $112,000 | $2,448,000 |
| Credit History | 44 | $3,990,000 | $90,000 | $295,000 | $86,000 | $253,000 |
| Collateral | 23 | $2,185,000 | $95,000 | $245,000 | $105,000 | $339,000 |
| Other | 17 | $2,485,000 | $146,000 | $505,000 | $107,000 | $241,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $975,000 | $195,000 | $265,000 | $154,000 | $246,000 |
| Credit Application Incomplete | 3 | $775,000 | $258,000 | $325,000 | $209,000 | $307,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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