Lewis County, NY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 834 mortgage applications in Lewis County, NY totaling $70.3 million, down 4% from 2012. The average application was for $84,000, and applicants reported an average income of $68,000. 65% of applications resulted in an originated loan and 16% were denied. The most active lender was Community Bank, N.A., with 343 applications, followed by Americu Credit Union and Keybank National Association.
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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 | 834 |
| Total Mortgage Loan Application Amount | $70,276,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $497,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $531,000 |
* 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 |
* | $ 7,470,683,000 | 343 | $ 16,701,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,160,453,000 | 98 | $ 7,644,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 64 | $ 5,768,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 34 | $ 4,848,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 22 | $ 2,870,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 21 | $ 2,430,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 17 | $ 2,523,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 16 | $ 1,856,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 13 | $ 1,872,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 36,871,280,000 | 13 | $ 1,377,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 586,241,000 | 13 | $ 1,038,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 9 | $ 1,027,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 824,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 8 | $ 1,410,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 8 | $ 1,026,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 939,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,128,358,000 | 6 | $ 620,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 889,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 501,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 949,559,000 | 4 | $ 526,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 308,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 4 | $ 297,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 108,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 3 | $ 403,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 746,986,000 | 3 | $ 407,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,986,046,000 | 3 | $ 151,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 374,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 2 | $ 126,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 2 | $ 186,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,751,448,000 | 2 | $ 166,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 101,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 326,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 330,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 248,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 141,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 2 | $ 363,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 2 | $ 56,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 210,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,269,975,000 | 1 | $ 217,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 168,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,495,066,000 | 1 | $ 75,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ 588,755,000 | 1 | $ 6,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 5,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 16,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 162,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 1 | $ 338,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 350,848,000 | 1 | $ 8,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 1 | $ 125,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 15,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 349,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 3,201,216,000 | 1 | $ 309,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 223,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 77,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 87,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 390,767,000 | 1 | $ 212,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 681,296,000 | 1 | $ 99,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 30,000 |
| Sandhills Bank 1020 HIGHWAY 17 NORTH NORTH MYRTLE BEACH, SC 29582 |
* | $ 71,607,000 | 1 | $ 171,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 1 | $ 46,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 235,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 215,000 |
| Hometown Bank of the Hudson VA 12 MAIN ST. WALDEN, NY 12586 |
* | $ 154,720,000 | 1 | $ 102,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 273,007,000 | 1 | $ 52,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 163,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 88,000 |
| Mortgage Master 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 349,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 77,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 235,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 158,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 52,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 92,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 92,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 108,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 105,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 202,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,376,094,000 | 1 | $ 173,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,852,158,000 | 1 | $ 210,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,668,374,000 | 1 | $ 250,000 |
The tables below break down 2013 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 2013
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 | 322 | $33,114,000 | $102,000 | $343,000 | $71,000 | $403,000 |
| Home Improvement | 263 | $7,547,000 | $28,000 | $497,000 | $59,000 | $362,000 |
| Home Purchase | 249 | $29,615,000 | $118,000 | $349,000 | $74,000 | $531,000 |
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 | 746 | $59,779,000 | $80,000 | $349,000 | $69,000 | $531,000 |
| Not Provided | 44 | $4,814,000 | $109,000 | $250,000 | $90,000 | $405,000 |
| Not applicable | 31 | $4,282,000 | $138,000 | $497,000 | $18,000 | $158,000 |
| Black or African American | 7 | $811,000 | $115,000 | $169,000 | $53,000 | $108,000 |
| Hispanic | 4 | $349,000 | $87,000 | $133,000 | $108,000 | $198,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $38,000 | $38,000 |
| Asian | 1 | $96,000 | $96,000 | $96,000 | $41,000 | $41,000 |
| American Indian or Alaskan Native | 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) | 681 | $49,483,000 | $72,000 | $497,000 | $72,000 | $531,000 |
| VA-guaranteed (Veterans Administration) | 74 | $11,828,000 | $159,000 | $349,000 | $58,000 | $216,000 |
| FHA-insured (Federal Housing Administration) | 65 | $7,551,000 | $116,000 | $223,000 | $44,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,414,000 | $101,000 | $156,000 | $30,000 | $62,000 |
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 | 546 | $41,239,000 | $75,000 | $497,000 | $70,000 | $531,000 |
| Application Denied By Financial Institution | 132 | $10,615,000 | $80,000 | $275,000 | $56,000 | $299,000 |
| Loan Purchased By The Institution | 57 | $7,738,000 | $135,000 | $349,000 | $47,000 | $298,000 |
| Application Withdrawn By Applicant | 51 | $4,920,000 | $96,000 | $343,000 | $83,000 | $324,000 |
| Application Approved But Not Accepted | 36 | $4,646,000 | $129,000 | $258,000 | $92,000 | $299,000 |
| File Closed For Incompleteness | 12 | $1,118,000 | $93,000 | $168,000 | $53,000 | $220,000 |
| 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 | 31 | $860,000 | $27,000 | $108,000 | $38,000 | $110,000 |
| Collateral | 29 | $3,047,000 | $105,000 | $223,000 | $74,000 | $299,000 |
| Debt-To-Income Ratio | 22 | $1,688,000 | $76,000 | $235,000 | $56,000 | $165,000 |
| Credit Application Incomplete | 10 | $1,041,000 | $104,000 | $163,000 | $74,000 | $209,000 |
| Other | 10 | $803,000 | $80,000 | $148,000 | $59,000 | $158,000 |
| Unverifiable Information | 4 | $479,000 | $119,000 | $147,000 | $47,000 | $64,000 |
| Employment History | 3 | $209,000 | $69,000 | $128,000 | $73,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $275,000 | $137,000 | $223,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 1 | $201,000 | $201,000 | $201,000 | $81,000 | $81,000 |
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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