Lewis County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 717 mortgage applications in Lewis County, NY totaling $85.9 million, down 23% from 2022. The average application was for $119,000, and applicants reported an average income of $96,000. 59% of applications resulted in an originated loan and 23% were denied. The most active lender was Northern Credit Union, with 163 applications, followed by Community Bank, N.A. and Carthage Savings and Loan, 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 | 717 |
| Total Mortgage Loan Application Amount | $85,895,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,404,000 |
* 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 |
* | $ 598,530,000 | 163 | $ 11,975,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 145 | $ 15,935,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 308,118,000 | 52 | $ 6,980,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,696,102,000 | 42 | $ 4,240,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 24 | $ 3,990,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 20 | $ 1,800,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 17 | $ 1,935,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 15 | $ 2,425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 2,290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 12 | $ 1,340,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 2,420,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 10 | $ 1,620,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 10 | $ 460,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 8 | $ 1,230,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 8 | $ 1,580,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,270,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 954,358,000 | 7 | $ 1,165,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 7 | $ 1,145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 680,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 5 | $ 1,235,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 765,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 894,786,000 | 5 | $ 685,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 1,116,398,000 | 5 | $ 725,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 160,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 4 | $ 750,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 470,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 605,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 655,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 3 | $ 505,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 445,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,753,561,000 | 3 | $ 415,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 3,193,673,000 | 3 | $ 345,000 |
| Rt Federal Credit Union 924 TURIN ST ROME, NY 13440 |
* | $ 55,594,000 | 3 | $ 255,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 476,677,000 | 3 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 745,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 560,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,659,908,000 | 2 | $ 310,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 2 | $ 300,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 310,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 240,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 200,000 |
| Gouverneur Savings & Loan 42 CHURCH STREET GOUVERNEUR, NY 13642 |
* | $ 204,781,000 | 2 | $ 290,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 560,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 530,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 255,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 1 | $ 185,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 255,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Access Federal Credit Union 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 254,384,000 | 1 | $ 25,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD NEW HARTFORD, NY 13413 |
* | $ 94,974,000 | 1 | $ 255,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 225,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 245,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 475,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 145,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 1,747,013,000 | 1 | $ 85,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 1,422,290,000 | 1 | $ 165,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 155,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,439,371,000 | 1 | $ 305,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,697,684,000 | 1 | $ 105,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 903,544,000 | 1 | $ 85,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 125,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 105,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 225,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,404,490,000 | 1 | $ 65,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 506,511,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 105,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 255,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 4,471,539,000 | 1 | $ 25,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 1,330,926,000 | 1 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 235,000 |
The tables below break down 2023 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 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 | 324 | $53,400,000 | $164,000 | $485,000 | $99,000 | $993,000 |
| Home Improvement | 134 | $8,700,000 | $64,000 | $585,000 | $87,000 | $600,000 |
| Other Purpose | 127 | $8,335,000 | $65,000 | $305,000 | $108,000 | $1,404,000 |
| Refinancing | 86 | $7,880,000 | $91,000 | $305,000 | $85,000 | $430,000 |
| Cash-out Refinancing | 44 | $7,310,000 | $166,000 | $395,000 | $94,000 | $576,000 |
| Not Applicable | 2 | $270,000 | $135,000 | $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 | 587 | $67,405,000 | $114,000 | $585,000 | $95,000 | $1,404,000 |
| Not Provided | 66 | $8,690,000 | $131,000 | $475,000 | $98,000 | $576,000 |
| Not applicable | 40 | $6,490,000 | $162,000 | $305,000 | $0 | $0 |
| Hispanic | 11 | $1,875,000 | $170,000 | $285,000 | $158,000 | $387,000 |
| Black or African American | 6 | $870,000 | $145,000 | $255,000 | $60,000 | $82,000 |
| Asian | 3 | $455,000 | $151,000 | $225,000 | $70,000 | $84,000 |
| American Indian or Alaskan Native | 2 | $40,000 | $20,000 | $25,000 | $82,000 | $109,000 |
| 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) | 567 | $60,065,000 | $105,000 | $585,000 | $99,000 | $1,404,000 |
| FHA-insured (Federal Housing Administration) | 73 | $9,925,000 | $135,000 | $255,000 | $77,000 | $347,000 |
| VA-guaranteed (Veterans Administration) | 70 | $14,950,000 | $213,000 | $395,000 | $95,000 | $349,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $955,000 | $136,000 | $185,000 | $63,000 | $87,000 |
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 | 420 | $50,370,000 | $119,000 | $585,000 | $99,000 | $993,000 |
| Application Denied By Financial Institution | 167 | $16,725,000 | $100,000 | $475,000 | $89,000 | $1,404,000 |
| Application Withdrawn By Applicant | 50 | $7,060,000 | $141,000 | $395,000 | $86,000 | $282,000 |
| Loan Purchased By The Institution | 42 | $7,230,000 | $172,000 | $355,000 | $82,000 | $139,000 |
| Application Approved But Not Accepted | 23 | $2,605,000 | $113,000 | $485,000 | $111,000 | $475,000 |
| File Closed For Incompleteness | 15 | $1,905,000 | $127,000 | $325,000 | $132,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 549 | $69,145,000 | $125,000 | $585,000 | $99,000 | $993,000 |
| Credit History | 54 | $3,570,000 | $66,000 | $305,000 | $72,000 | $298,000 |
| Debt-To-Income Ratio | 50 | $4,930,000 | $98,000 | $305,000 | $59,000 | $153,000 |
| Collateral | 37 | $4,355,000 | $117,000 | $475,000 | $137,000 | $1,404,000 |
| Other | 16 | $2,290,000 | $143,000 | $285,000 | $110,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $430,000 | $107,000 | $145,000 | $59,000 | $103,000 |
| Credit Application Incomplete | 3 | $805,000 | $268,000 | $375,000 | $244,000 | $347,000 |
| Employment History | 2 | $210,000 | $105,000 | $195,000 | $71,000 | $96,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $105,000 | $77,000 | $99,000 |
| Mortgage Insurance Denied | 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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