Livingston County, NY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,675 mortgage applications in Livingston County, NY totaling $259.6 million, down 5% from 2023. The average application was for $154,000, and applicants reported an average income of $108,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was ESL Federal Credit Union, with 336 applications, followed by Premium Mortgage Corporation and Community Bank, N.A..
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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 | 1,675 |
| Total Mortgage Loan Application Amount | $259,585,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $7,775,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $1,130,000 |
* 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 |
|---|---|---|---|---|
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 336 | $ 31,840,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 156 | $ 32,760,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 100 | $ 12,450,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 51 | $ 6,675,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 49 | $ 11,675,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ n/a | 49 | $ 5,565,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 48 | $ 9,520,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ n/a | 47 | $ 3,025,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 46 | $ 7,730,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 45 | $ 8,765,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 43 | $ 8,115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 41 | $ 7,275,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 40 | $ 5,090,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 34 | $ 5,440,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 31 | $ 8,165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 31 | $ 1,945,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 24 | $ 2,280,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 23 | $ 4,245,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 19 | $ 1,395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 19 | $ 3,675,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ n/a | 18 | $ 1,660,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 18 | $ 3,210,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 18 | $ 2,190,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ n/a | 17 | $ 2,085,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 16 | $ 1,240,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 15 | $ 3,575,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 1,480,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 14 | $ 2,820,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 13 | $ 2,715,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 12 | $ 1,160,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 11 | $ 2,745,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ n/a | 9 | $ 825,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ n/a | 9 | $ 895,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 1,235,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 9 | $ 2,175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 9 | $ 1,875,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 2,060,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 8 | $ 1,980,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 7 | $ 2,485,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 7 | $ 1,045,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 6 | $ 1,170,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 590,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 5 | $ 555,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 915,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 370,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 1,580,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 4 | $ 1,000,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 650,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 4 | $ 270,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 990,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 635,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 3 | $ 365,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 3 | $ 385,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 3 | $ 475,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 3 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 655,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 160,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ n/a | 2 | $ 210,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 290,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 470,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 2 | $ 330,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 2 | $ 300,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 250,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 260,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 430,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 2 | $ 230,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 440,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 370,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 90,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 2 | $ 330,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 270,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 250,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ n/a | 2 | $ 850,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 155,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 75,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ n/a | 1 | $ 55,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 755,000 |
| Colliers Mortgage LLC 90 SOUTH SEVENTH ST. SUITE 4300 MINNEAPOLIS, MN 55402 |
* | $ n/a | 1 | $ 7,775,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 335,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 125,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 155,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 1 | $ 255,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 385,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 105,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 205,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 115,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 115,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ n/a | 1 | $ 285,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 1 | $ 45,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 1 | $ 295,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 25,000 |
| Salt City Federal Credit Union 1753 MILTON AVE SOLVAY, NY 13209 |
* | $ n/a | 1 | $ 35,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 175,000 |
| Bank of Hope 3200 WILSHIRE BLVD LOS ANGELES, CA 90010 |
* | $ n/a | 1 | $ 1,105,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 155,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 125,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ n/a | 1 | $ 75,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 205,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 205,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 455,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2024 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 2024
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 | 801 | $160,675,000 | $200,000 | $945,000 | $112,000 | $1,130,000 |
| Home Improvement | 285 | $22,775,000 | $79,000 | $605,000 | $105,000 | $589,000 |
| Other Purpose | 281 | $32,445,000 | $115,000 | $7,775,000 | $101,000 | $420,000 |
| Refinancing | 170 | $21,380,000 | $125,000 | $525,000 | $111,000 | $550,000 |
| Cash-out Refinancing | 133 | $22,075,000 | $165,000 | $765,000 | $110,000 | $500,000 |
| Not Applicable | 5 | $235,000 | $47,000 | $105,000 | $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 | 1,324 | $192,350,000 | $145,000 | $1,105,000 | $110,000 | $1,130,000 |
| Not applicable | 156 | $37,740,000 | $241,000 | $7,775,000 | $78,000 | $162,000 |
| Not Provided | 133 | $21,965,000 | $165,000 | $895,000 | $102,000 | $444,000 |
| Hispanic | 37 | $3,405,000 | $92,000 | $225,000 | $89,000 | $185,000 |
| Asian | 9 | $1,915,000 | $212,000 | $305,000 | $99,000 | $173,000 |
| Black or African American | 9 | $1,075,000 | $119,000 | $335,000 | $99,000 | $246,000 |
| American Indian or Alaskan Native | 7 | $1,135,000 | $162,000 | $325,000 | $60,000 | $83,000 |
| 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) | 1,470 | $220,330,000 | $149,000 | $7,775,000 | $110,000 | $1,130,000 |
| FHA-insured (Federal Housing Administration) | 143 | $25,165,000 | $175,000 | $465,000 | $85,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 43 | $11,265,000 | $261,000 | $755,000 | $126,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,825,000 | $148,000 | $265,000 | $73,000 | $100,000 |
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 | 1,031 | $164,165,000 | $159,000 | $7,775,000 | $114,000 | $1,080,000 |
| Application Denied By Financial Institution | 263 | $27,255,000 | $103,000 | $605,000 | $77,000 | $500,000 |
| Loan Purchased By The Institution | 174 | $36,670,000 | $210,000 | $945,000 | $145,000 | $476,000 |
| Application Withdrawn By Applicant | 110 | $17,820,000 | $162,000 | $505,000 | $111,000 | $1,130,000 |
| File Closed For Incompleteness | 51 | $6,325,000 | $124,000 | $1,105,000 | $121,000 | $500,000 |
| Application Approved But Not Accepted | 44 | $6,740,000 | $153,000 | $765,000 | $89,000 | $360,000 |
| Preapproval Approved but not Accepted | 1 | $275,000 | $275,000 | $275,000 | $84,000 | $84,000 |
| Preapproval Denied by Financial Institution | 1 | $335,000 | $335,000 | $335,000 | $119,000 | $119,000 |
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 | 1,377 | $229,055,000 | $166,000 | $7,775,000 | $115,000 | $1,130,000 |
| Debt-To-Income Ratio | 120 | $12,670,000 | $105,000 | $605,000 | $72,000 | $308,000 |
| Credit History | 90 | $7,060,000 | $78,000 | $275,000 | $78,000 | $209,000 |
| Collateral | 45 | $5,335,000 | $118,000 | $475,000 | $93,000 | $265,000 |
| Other | 21 | $2,575,000 | $122,000 | $335,000 | $108,000 | $500,000 |
| Credit Application Incomplete | 9 | $865,000 | $96,000 | $155,000 | $91,000 | $153,000 |
| Unverifiable Information | 6 | $1,150,000 | $191,000 | $275,000 | $74,000 | $144,000 |
| Employment History | 4 | $510,000 | $127,000 | $195,000 | $185,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $155,000 | $73,000 | $106,000 |
| 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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