Madison County, NY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 2,061 mortgage applications in Madison County, NY totaling $232.4 million, down 20% from 2013. The average application was for $112,000, and applicants reported an average income of $74,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Americu Credit Union, with 208 applications, followed by Oneida Savings Bank and Wells Fargo Bank NA.
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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 | 2,061 |
| Total Mortgage Loan Application Amount | $232,408,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,565,000 |
* 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 |
|---|---|---|---|---|
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,263,670,000 | 208 | $ 14,852,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 742,461,000 | 183 | $ 15,588,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 150 | $ 19,332,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 7,581,736,000 | 144 | $ 15,302,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,209,711,000 | 65 | $ 6,183,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 58 | $ 8,544,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 54 | $ 6,893,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 49 | $ 5,887,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 48 | $ 7,561,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 43 | $ 3,625,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 38 | $ 4,032,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 36 | $ 3,376,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 35 | $ 961,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 33 | $ 4,453,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 515,351,000 | 30 | $ 6,534,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 27 | $ 2,585,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 27 | $ 2,732,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,645,664,000 | 25 | $ 2,623,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 24 | $ 2,406,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 22 | $ 2,462,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 22 | $ 3,482,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 137,495,000 | 22 | $ 427,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 202,121,000 | 21 | $ 10,980,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 1,351,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 20 | $ 2,390,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 80,771,000 | 20 | $ 277,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 19 | $ 2,052,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 19 | $ 2,922,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 371,264,000 | 17 | $ 1,050,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 129,747,000 | 17 | $ 1,406,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 15 | $ 1,596,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 15 | $ 2,550,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 15 | $ 1,298,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 14 | $ 1,349,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,693,744,000 | 14 | $ 890,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 14 | $ 1,315,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 150,364,000 | 14 | $ 1,097,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 13 | $ 1,554,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,226,615,000 | 12 | $ 3,635,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 719,691,000 | 12 | $ 827,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 11 | $ 1,293,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 11 | $ 605,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 11 | $ 1,951,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 11 | $ 1,377,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 10 | $ 954,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 686,029,000 | 10 | $ 2,061,000 |
| Focal Point FCU 6555 RIDINGS ROAD SYRACUSE, NY 13206 |
* | $ 47,050,000 | 10 | $ 339,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 10 | $ 1,731,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 10 | $ 1,231,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 37,576,781,000 | 10 | $ 887,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,140,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ 10,000,000 | 9 | $ 1,811,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 8 | $ 990,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,068,834,000 | 7 | $ 960,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 7 | $ 645,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 7 | $ 672,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 1,084,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 6 | $ 769,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 6 | $ 905,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 6 | $ 98,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 643,670,000 | 5 | $ 525,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 627,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 712,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 503,740,000 | 5 | $ 1,111,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 131,573,000 | 5 | $ 742,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 5 | $ 360,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 4 | $ 40,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 4 | $ 556,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 4 | $ 14,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 4 | $ 645,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 153,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 3 | $ 574,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 3 | $ 297,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 871,815,000 | 3 | $ 440,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 3 | $ 452,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 56,004,000 | 3 | $ 174,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,602,169,000 | 3 | $ 426,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 196,841,000 | 3 | $ 415,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 446,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 395,000 |
| Mde Home Loans LLC 766 SHREWSBURY AVENUE TINTON FALLS, NJ 07724 |
* | $ 2,148,000 | 3 | $ 647,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 598,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 368,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 114,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 20,830,913,000 | 2 | $ 73,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 2 | $ 254,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 371,624,000 | 2 | $ 346,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 2 | $ 220,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 2 | $ 392,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 341,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 2 | $ 129,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 2 | $ 161,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 2 | $ 484,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 200,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 244,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 193,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 226,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 25,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 4,850,867,000 | 1 | $ 160,000 |
| Acmg Federal Credit Union 1753 MILTON AVENUE SOLVAY, NY 13209 |
* | $ 53,716,000 | 1 | $ 61,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 855,594,000 | 1 | $ 480,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,253,713,000 | 1 | $ 355,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Mcs Mortgage Bankers, Inc. 20 OAK STREET PATCHOGUE, NY 11772 |
* | $ 4,785,307,000 | 1 | $ 180,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 108,899,000 | 1 | $ 120,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 212,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 120,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,477,891,000 | 1 | $ 10,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 179,849,000 | 1 | $ 140,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 800,870,000 | 1 | $ 251,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 180,369,000 | 1 | $ 160,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 672,943,000 | 1 | $ 120,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 176,173,000 | 1 | $ 62,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 1 | $ 87,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 375,205,000 | 1 | $ 170,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 841,451,000 | 1 | $ 864,000 |
| Metro Bank 3801 PAXTON STREET HARRISBURG, PA 17111 |
* | $ 2,780,386,000 | 1 | $ 131,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,412,555,000 | 1 | $ 140,000 |
| Tri-Co Federal Credit Union 1240 SUSSEX TPK RANDOLPH, NJ 07869 |
* | $ 137,490,000 | 1 | $ 52,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 105,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,842,485,000 | 1 | $ 170,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,037,879,000 | 1 | $ 112,000 |
| Reliant Bank 1736 CAROTHERS PKWY., STE. 100 BRENTWOOD, TN 37027 |
* | $ 384,572,000 | 1 | $ 132,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,499,998,000 | 1 | $ 116,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 128,099,000 | 1 | $ 150,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 21,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 732,384,000 | 1 | $ 160,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 142,968,000 | 1 | $ 8,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,933,895,000 | 1 | $ 50,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 86,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 262,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 43,047,727,000 | 1 | $ 210,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 93,000 |
| Rushmore Loan Management Servi 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ 117,300,000 | 1 | $ 80,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 196,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 252,000 |
The tables below break down 2014 mortgage applications in Madison 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 Madison County, NY in 2014
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 | 985 | $130,063,000 | $132,000 | $1,310,000 | $77,000 | $1,565,000 |
| Refinancing | 718 | $90,581,000 | $126,000 | $10,000,000 | $71,000 | $1,100,000 |
| Home Improvement | 358 | $11,764,000 | $32,000 | $480,000 | $69,000 | $897,000 |
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 | 1,743 | $191,425,000 | $109,000 | $10,000,000 | $79,000 | $1,565,000 |
| Not applicable | 157 | $21,567,000 | $137,000 | $2,900,000 | $7,000 | $160,000 |
| Not Provided | 104 | $13,429,000 | $129,000 | $480,000 | $89,000 | $1,000,000 |
| Hispanic | 28 | $3,723,000 | $132,000 | $252,000 | $87,000 | $222,000 |
| American Indian or Alaskan Native | 11 | $573,000 | $52,000 | $130,000 | $62,000 | $153,000 |
| Asian | 11 | $894,000 | $81,000 | $140,000 | $61,000 | $134,000 |
| Black or African American | 7 | $797,000 | $113,000 | $214,000 | $79,000 | $153,000 |
| 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) | 1,461 | $160,710,000 | $110,000 | $10,000,000 | $84,000 | $1,565,000 |
| FHA-insured (Federal Housing Administration) | 391 | $41,610,000 | $106,000 | $399,000 | $45,000 | $624,000 |
| VA-guaranteed (Veterans Administration) | 130 | $21,056,000 | $161,000 | $864,000 | $65,000 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $9,032,000 | $114,000 | $214,000 | $39,000 | $106,000 |
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 | 1,204 | $140,908,000 | $117,000 | $10,000,000 | $85,000 | $1,565,000 |
| Application Denied By Financial Institution | 345 | $32,944,000 | $95,000 | $2,900,000 | $61,000 | $624,000 |
| Loan Purchased By The Institution | 263 | $31,650,000 | $120,000 | $863,000 | $34,000 | $374,000 |
| Application Withdrawn By Applicant | 144 | $14,802,000 | $102,000 | $398,000 | $75,000 | $1,000,000 |
| Application Approved But Not Accepted | 55 | $6,168,000 | $112,000 | $300,000 | $83,000 | $455,000 |
| File Closed For Incompleteness | 50 | $5,936,000 | $118,000 | $400,000 | $67,000 | $245,000 |
| 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 | 64 | $4,300,000 | $67,000 | $235,000 | $67,000 | $237,000 |
| Debt-To-Income Ratio | 59 | $4,517,000 | $76,000 | $480,000 | $45,000 | $163,000 |
| Collateral | 50 | $4,863,000 | $97,000 | $252,000 | $65,000 | $197,000 |
| Other | 31 | $3,348,000 | $108,000 | $417,000 | $63,000 | $295,000 |
| Credit Application Incomplete | 10 | $1,186,000 | $118,000 | $178,000 | $50,000 | $94,000 |
| Employment History | 7 | $588,000 | $84,000 | $184,000 | $79,000 | $257,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $665,000 | $110,000 | $240,000 | $50,000 | $110,000 |
| Unverifiable Information | 3 | $176,000 | $58,000 | $163,000 | $29,000 | $34,000 |
| Mortgage Insurance Denied | 2 | $65,000 | $32,000 | $33,000 | $37,000 | $46,000 |
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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