Lewis County, NY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,152 mortgage applications in Lewis County, NY totaling $82.7 million, down 24% from 2007. The average application was for $71,000, and applicants reported an average income of $82,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was Community Bank, N.A., with 340 applications, followed by Hfc Company LLC 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 | 1,152 |
| Total Mortgage Loan Application Amount | $82,683,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,680,000 |
* 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 |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 4,679,552,000 | 340 | $ 15,727,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 143 | $ 10,042,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 609,897,000 | 71 | $ 5,796,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 45 | $ 5,247,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 38 | $ 3,779,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 37 | $ 4,002,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 32 | $ 2,638,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 31 | $ 978,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 29 | $ 1,211,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 29 | $ 2,954,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 26 | $ 2,686,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 23 | $ 2,265,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 19 | $ 767,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 19 | $ 2,351,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 451,697,000 | 18 | $ 541,000 |
| Wells Fargo Fin'l Cred Serv Ny 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 16 | $ 1,532,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 746,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 15 | $ 137,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 12 | $ 1,206,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 12 | $ 188,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,012,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 8 | $ 814,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,280,000 |
| Rome Savings Bank 100 W DOMINICK ST., PO BOX 311 ROME, NY 13442 |
* | $ 317,370,000 | 8 | $ 725,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 820,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 8 | $ 113,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 7 | $ 673,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 7 | $ 671,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 6 | $ 374,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 794,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 5 | $ 210,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,182,343,000 | 5 | $ 149,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 84,701,123,000 | 5 | $ 578,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 5 | $ 752,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 421,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 471,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 3 | $ 378,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 403,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,301,538,000 | 3 | $ 276,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 295,000 |
| Cambridge Home Capital, LLC 80 CUTTERMILL ROAD SUITE 408 GREAT NECK, NY 11021 |
* | $ 10,000,000 | 2 | $ 270,000 |
| First Alternative Mortgage Cor 145 HUGUENOT ST, SUITE 109 NEW ROCHELL, NY 10801 |
* | $ 10,000,000 | 2 | $ 135,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 394,708,000 | 2 | $ 103,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 2 | $ 153,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 192,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 217,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 2 | $ 200,000 |
| American Home Bank 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 266,050,000 | 1 | $ 55,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 184,491,526,000 | 1 | $ 136,000 |
| M&T Bank, NA 1 M&T PLAZA - 15TH FLOOR BUFFALO, NY 14203 |
* | $ 375,737,000 | 1 | $ 384,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 75,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,244,126,000 | 1 | $ 137,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 153,000 |
| Sun Home Loans 4651 RT 42 TURNERSVILLE, NJ 08012 |
* | $ 3,300,000,000 | 1 | $ 56,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,213,345,000 | 1 | $ 157,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 322,401,000 | 1 | $ 12,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 1 | $ 155,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 396,840,000 | 1 | $ 68,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 521,469,000 | 1 | $ 30,000 |
| First Dupage Bank 520 N. CASS AVENUE WESTMONT, IL 60559 |
* | $ 312,483,000 | 1 | $ 56,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 149,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 140,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 100,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 641,037,000 | 1 | $ 66,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 62,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 50,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,507,032,000 | 1 | $ 125,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 97,000 |
| Cnb Mortgage Company 63A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,256,349,000 | 1 | $ 137,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 1,117,603,000 | 1 | $ 85,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 87,051,000 | 1 | $ 3,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 3,429,961,000 | 1 | $ 50,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 142,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 39,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 90,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Aurora Financial Group Inc 9 EVES DRIVE SUITE 190 MARLTON, NJ 08053 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 1 | $ 64,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 1 | $ 133,000 |
The tables below break down 2008 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 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 460 | $45,710,000 | $99,000 | $1,000,000 | $100,000 | $1,481,000 |
| Home Improvement | 420 | $12,171,000 | $28,000 | $241,000 | $71,000 | $1,680,000 |
| Home Purchase | 272 | $24,802,000 | $91,000 | $275,000 | $68,000 | $464,000 |
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 | 1,027 | $69,365,000 | $67,000 | $446,000 | $84,000 | $1,680,000 |
| Not Provided | 70 | $6,628,000 | $94,000 | $220,000 | $58,000 | $464,000 |
| Not applicable | 29 | $4,733,000 | $163,000 | $1,000,000 | $30,000 | $225,000 |
| Black or African American | 13 | $1,102,000 | $84,000 | $249,000 | $64,000 | $144,000 |
| Hispanic | 8 | $449,000 | $56,000 | $117,000 | $212,000 | $609,000 |
| Asian | 3 | $281,000 | $93,000 | $194,000 | $173,000 | $325,000 |
| American Indian or Alaskan Native | 2 | $125,000 | $62,000 | $75,000 | $42,000 | $65,000 |
| 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) | 998 | $64,852,000 | $64,000 | $1,000,000 | $86,000 | $1,680,000 |
| FHA-insured (Federal Housing Administration) | 104 | $11,724,000 | $112,000 | $270,000 | $56,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 46 | $5,682,000 | $123,000 | $249,000 | $52,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $425,000 | $106,000 | $132,000 | $56,000 | $67,000 |
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 | 587 | $37,306,000 | $63,000 | $1,000,000 | $104,000 | $1,680,000 |
| Application Denied By Financial Institution | 311 | $21,122,000 | $67,000 | $411,000 | $60,000 | $1,200,000 |
| Application Withdrawn By Applicant | 111 | $9,160,000 | $82,000 | $244,000 | $62,000 | $267,000 |
| Loan Purchased By The Institution | 67 | $8,193,000 | $122,000 | $384,000 | $48,000 | $262,000 |
| Application Approved But Not Accepted | 64 | $5,526,000 | $86,000 | $280,000 | $61,000 | $202,000 |
| File Closed For Incompleteness | 12 | $1,376,000 | $114,000 | $265,000 | $66,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 57 | $2,046,000 | $35,000 | $122,000 | $73,000 | $1,200,000 |
| Collateral | 45 | $4,206,000 | $93,000 | $411,000 | $68,000 | $273,000 |
| Debt-To-Income Ratio | 33 | $1,457,000 | $44,000 | $150,000 | $33,000 | $82,000 |
| Other | 9 | $754,000 | $83,000 | $241,000 | $69,000 | $109,000 |
| Credit Application Incomplete | 8 | $798,000 | $99,000 | $247,000 | $63,000 | $80,000 |
| Unverifiable Information | 5 | $314,000 | $62,000 | $113,000 | $60,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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