Livingston County, NY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,379 mortgage applications in Livingston County, NY totaling $236.8 million, up 7% from 2011. The average application was for $99,000, and applicants reported an average income of $71,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was Five Star Bank, with 223 applications, followed by Wells Fargo Bank NA and ESL Federal 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 2,379
Total Mortgage Loan Application Amount $236,805,000
Average Mortgage Loan Application Amount $99,000
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $71,000
Highest Applicant Income $1,900,000

Mortgage Company List for Lending in Livingston County, NY for 2012

* 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
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,329,353,000 223 $ 15,791,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 204 $ 23,987,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 4,181,445,000 193 $ 20,442,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 6,460,589,000 160 $ 10,640,000
The Bank of Castile
90 MAIN ST
BATAVIA, NY 14020
* $ 976,079,000 143 $ 13,555,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ 16,241,000 137 $ 16,000,000
Genesee Valley Federal Credit
4621 MILLENNIUM DRIVE
GENESEO, NY 14454
* $ 54,060,000 137 $ 9,674,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 116 $ 12,378,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 89 $ 6,296,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 64 $ 5,624,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 55 $ 8,969,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 55 $ 5,853,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 45 $ 4,533,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 1,726,940,000 42 $ 6,216,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 325,803,000 40 $ 1,318,000
Steuben Trust Company
ONE STEUBEN SQUARE
HORNELL, NY 14843
* $ 390,694,000 40 $ 5,390,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 663,383,000 31 $ 2,598,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 31 $ 2,083,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 30 $ 3,142,000
Nothnagle Home Securities Corp
217 WEST MAIN STREET, SUITE 200
ROCHESTER, NY 14614
* $ 10,000,000 28 $ 3,247,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 28 $ 3,327,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 32,750,610,000 24 $ 3,395,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 23 $ 2,214,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 23 $ 3,524,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 19 $ 2,461,000
Pittsford Federal Credit Union
20 TOBEY VILLAGE RD, PO BOX 346
PITTSFORD, NY 14534
* $ 324,928,000 18 $ 2,519,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 17 $ 783,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 16 $ 2,112,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 13 $ 1,686,000
Advantage Federal Credit Union
1975 BUFFALO RD.
ROCHESTER, NY 14624
* $ 165,400,000 13 $ 251,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 554,692,000 12 $ 1,665,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 12 $ 494,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 11 $ 1,446,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 11 $ 1,168,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 10 $ 1,154,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 283,337,000 8 $ 1,522,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 8 $ 1,001,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 7 $ 916,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,558,535,000 7 $ 310,000
Fairport Savings Bank
45 S. MAIN STREET
FAIRPORT, NY 14450
* $ 220,153,000 7 $ 777,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 7 $ 766,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 6 $ 96,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 740,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 766,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 5 $ 574,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 5 $ 320,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 5 $ 967,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 5 $ 271,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 5 $ 589,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 5 $ 32,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 4 $ 520,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 723,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 756,147,000 4 $ 364,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 4 $ 394,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 411,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 4 $ 62,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 4 $ 382,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 340,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 3 $ 560,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 3 $ 342,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 3 $ 375,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 3 $ 477,000
Alden State Bank
13216 BROADWAY
ALDEN, NY 14004
* $ 229,963,000 3 $ 259,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 3 $ 423,000
Guaranteed Home Mortgage Compa
108 CORPORATE PARK DRIVE - SUITE 301
WHITE PLAINS, NY 10604
* $ 10,000,000 3 $ 275,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ 121,980,000 3 $ 285,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 2 $ 133,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 2 $ 256,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,975,877,000 2 $ 185,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,181,267,000 2 $ 235,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,032,359,000 2 $ 219,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 2 $ 504,000
Beacon Federal
6611 MANLIUS CENTER RD
EAST SYRACUSE, NY 13057
* $ 1,027,212,000 2 $ 242,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 897,588,000 2 $ 65,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 298,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 2 $ 177,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 316,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 339,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 2 $ 279,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 2 $ 281,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 365,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 94,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 88,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 1 $ 116,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 83,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 133,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 120,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 97,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 138,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 1 $ 54,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 159,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 363,539,000 1 $ 92,000
Utica Gas & Electric FCU
215 OLD CAMPION RD.
NEW HARTFORD, NY 13413
* $ 51,776,000 1 $ 160,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 101,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 196,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 264,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,006,368,000 1 $ 76,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 77,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 62,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 1 $ 28,000
Riverside Federal Credit Union
3199 DELAWARE AVENUE
KENMORE, NY 14217
* $ 59,156,000 1 $ 25,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,312,496,000 1 $ 112,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 122,000
Summit Mortgage Bankers, Inc.
3660 MAIN STREET, 3RD FLOOR
FLUSHING, NY 11354
* $ 1,400,000 1 $ 100,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 3,040,695,000 1 $ 176,000
St. Pius X Church FCU
2998 CHILI AVENUE
ROCHESTER, NY 14624
* $ 58,444,000 1 $ 25,000

The tables below break down 2012 mortgage applications in Livingston 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 Livingston County, NY in 2012

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 1,183 $134,499,000 $113,000 $744,000 $79,000 $1,900,000
Home Purchase 786 $89,388,000 $113,000 $1,000,000 $63,000 $1,138,000
Home Improvement 410 $12,918,000 $31,000 $311,000 $65,000 $307,000

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 2,048 $201,907,000 $98,000 $1,000,000 $75,000 $1,900,000
Not applicable 151 $16,912,000 $112,000 $300,000 $3,000 $104,000
Not Provided 134 $12,783,000 $95,000 $404,000 $83,000 $955,000
Hispanic 25 $2,084,000 $83,000 $296,000 $70,000 $202,000
Asian 8 $1,852,000 $231,000 $744,000 $181,000 $436,000
Black or African American 8 $561,000 $70,000 $113,000 $55,000 $95,000
Native Hawaiian or Other Pacific Islander 3 $527,000 $175,000 $245,000 $105,000 $124,000
American Indian or Alaskan Native 2 $179,000 $89,000 $168,000 $72,000 $98,000

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) 1,735 $166,360,000 $95,000 $1,000,000 $80,000 $1,900,000
FHA-insured (Federal Housing Administration) 414 $45,354,000 $109,000 $276,000 $47,000 $179,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 152 $15,024,000 $98,000 $208,000 $40,000 $96,000
VA-guaranteed (Veterans Administration) 78 $10,067,000 $129,000 $368,000 $51,000 $360,000

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 1,345 $130,526,000 $97,000 $1,000,000 $78,000 $1,138,000
Application Denied By Financial Institution 440 $40,427,000 $91,000 $525,000 $67,000 $1,900,000
Loan Purchased By The Institution 302 $36,285,000 $120,000 $744,000 $40,000 $436,000
Application Withdrawn By Applicant 196 $19,397,000 $98,000 $300,000 $73,000 $519,000
Application Approved But Not Accepted 61 $5,699,000 $93,000 $255,000 $73,000 $200,000
File Closed For Incompleteness 35 $4,471,000 $127,000 $404,000 $100,000 $955,000
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 97 $6,530,000 $67,000 $280,000 $55,000 $250,000
Debt-To-Income Ratio 95 $9,551,000 $100,000 $403,000 $52,000 $255,000
Collateral 88 $9,923,000 $112,000 $525,000 $77,000 $257,000
Other 31 $2,506,000 $80,000 $300,000 $141,000 $1,900,000
Credit Application Incomplete 22 $2,428,000 $110,000 $269,000 $90,000 $430,000
Unverifiable Information 6 $636,000 $106,000 $211,000 $64,000 $189,000
Insufficient Cash (Downpayment, Closing Cost) 4 $574,000 $143,000 $300,000 $93,000 $257,000
Employment History 1 $128,000 $128,000 $128,000 $65,000 $65,000
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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