Montgomery County, NY Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,048 mortgage applications in Montgomery County, NY totaling $102.5 million, down 23% from 2013. The average application was for $97,000, and applicants reported an average income of $56,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Nbt Bank NA, with 104 applications, followed by Wells Fargo Bank NA and Homestead Funding Corp..

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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 1,048
Total Mortgage Loan Application Amount $102,473,000
Average Mortgage Loan Application Amount $97,000
Highest Mortgage Loan Application Amount $9,790,000
Average Applicant Income $56,000
Highest Applicant Income $500,000

Mortgage Company List for Lending in Montgomery County, NY for 2014

* 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
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,581,736,000 104 $ 5,338,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 103 $ 9,357,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 85 $ 9,513,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 46 $ 5,057,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,209,711,000 44 $ 1,502,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 41 $ 2,145,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 37,576,781,000 37 $ 2,647,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 401,329,000 33 $ 2,546,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 28 $ 2,241,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,522,056,000 27 $ 3,593,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 24 $ 2,445,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 22 $ 2,056,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 20 $ 1,870,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 18 $ 1,994,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 16 $ 1,617,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 15 $ 1,644,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 14 $ 1,693,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 14 $ 1,182,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 14 $ 1,540,000
Berkshire Bank

ALBANY, NY 12207
* $ 5,645,664,000 13 $ 774,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 13 $ 773,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 12 $ 1,325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 929,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 10 $ 545,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 10 $ 905,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 10 $ 511,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 9 $ 500,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,052,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 9 $ 592,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,208,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 7 $ 1,161,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 130,163,000 7 $ 893,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 6 $ 746,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 6 $ 471,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 5 $ 596,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 281,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 674,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 5 $ 132,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 5 $ 708,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,264,382,000 4 $ 445,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 4 $ 455,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 4 $ 306,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 394,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 4 $ 635,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 290,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 3 $ 65,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 3 $ 316,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,056,799,000 3 $ 394,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 311,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 251,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 3 $ 269,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 3 $ 345,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 257,219,000 3 $ 224,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 150,121,000 3 $ 263,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 1,954,679,000 2 $ 91,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 2 $ 148,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 406,809,000 2 $ 99,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 750,934,000 2 $ 132,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 140,293,000 2 $ 120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 269,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,068,834,000 2 $ 91,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 2 $ 193,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 2 $ 226,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 2 $ 234,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 413,971,000 2 $ 213,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,263,670,000 2 $ 43,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 2 $ 497,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 375,205,000 2 $ 275,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 179,849,000 2 $ 328,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 1 $ 56,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 1 $ 158,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 1 $ 106,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 169,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 66,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 55,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 35,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ 1,015,355,000 1 $ 34,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,477,891,000 1 $ 120,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 1 $ 10,000
Bank of New Hampshire
62 PLEASANT ST
LACONIA, NH 03246
* $ 1,189,922,000 1 $ 26,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 129,747,000 1 $ 132,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 157,000
Wilmington Savings Fund Society, FSB
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 4,511,602,000 1 $ 80,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 20,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 131,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 162,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 141,772,000 1 $ 66,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 643,670,000 1 $ 82,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 1 $ 156,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 1 $ 200,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 1 $ 23,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ 84,362,333,000 1 $ 9,790,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 70,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 131,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 75,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 199,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 267,012,000 1 $ 28,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 99,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 305,013,000 1 $ 299,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 371,264,000 1 $ 10,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 32,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 38,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 1 $ 155,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 176,000

The tables below break down 2014 mortgage applications in Montgomery 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 Montgomery 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 503 $50,279,000 $99,000 $391,000 $51,000 $237,000
Refinancing 384 $38,806,000 $101,000 $276,000 $59,000 $265,000
Home Improvement 161 $13,388,000 $83,000 $9,790,000 $61,000 $500,000

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 788 $68,816,000 $87,000 $391,000 $61,000 $500,000
Not Provided 89 $9,285,000 $104,000 $256,000 $67,000 $252,000
Not applicable 83 $17,716,000 $213,000 $9,790,000 $3,000 $112,000
Hispanic 55 $4,074,000 $74,000 $138,000 $44,000 $121,000
Black or African American 18 $1,703,000 $94,000 $182,000 $60,000 $237,000
American Indian or Alaskan Native 7 $490,000 $70,000 $233,000 $40,000 $80,000
Asian 7 $283,000 $40,000 $152,000 $35,000 $92,000
Native Hawaiian or Other Pacific Islander 1 $106,000 $106,000 $106,000 $64,000 $64,000

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) 618 $49,325,000 $79,000 $391,000 $65,000 $500,000
FHA-insured (Federal Housing Administration) 298 $38,380,000 $128,000 $9,790,000 $42,000 $173,000
VA-guaranteed (Veterans Administration) 67 $7,883,000 $117,000 $362,000 $46,000 $145,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 65 $6,885,000 $105,000 $187,000 $41,000 $79,000

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 472 $52,372,000 $110,000 $9,790,000 $63,000 $280,000
Application Denied By Financial Institution 258 $20,189,000 $78,000 $391,000 $53,000 $492,000
Loan Purchased By The Institution 153 $15,023,000 $98,000 $299,000 $28,000 $178,000
Application Withdrawn By Applicant 83 $8,031,000 $96,000 $271,000 $70,000 $201,000
Application Approved But Not Accepted 55 $4,180,000 $76,000 $350,000 $51,000 $141,000
File Closed For Incompleteness 27 $2,678,000 $99,000 $229,000 $84,000 $500,000
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 61 $2,650,000 $43,000 $194,000 $52,000 $492,000
Debt-To-Income Ratio 47 $3,360,000 $71,000 $223,000 $43,000 $99,000
Collateral 42 $4,330,000 $103,000 $362,000 $59,000 $144,000
Other 28 $1,747,000 $62,000 $140,000 $54,000 $125,000
Credit Application Incomplete 9 $1,006,000 $111,000 $154,000 $74,000 $179,000
Employment History 5 $344,000 $68,000 $136,000 $33,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 5 $424,000 $84,000 $140,000 $82,000 $135,000
Unverifiable Information 3 $327,000 $109,000 $140,000 $22,000 $35,000
Mortgage Insurance Denied 2 $119,000 $59,000 $63,000 $44,000 $72,000

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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