Montgomery County, NY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,476 mortgage applications in Montgomery County, NY totaling $145.8 million, up 5% from 2018. The average application was for $98,000, and applicants reported an average income of $73,000. 50% of applications resulted in an originated loan and 23% were denied. The most active lender was Nbt Bank NA, with 127 applications, followed by Keybank National Association and Broadview 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 1,476
Total Mortgage Loan Application Amount $145,770,000
Average Mortgage Loan Application Amount $98,000
Highest Mortgage Loan Application Amount $455,000
Average Applicant Income $73,000
Highest Applicant Income $585,000

Mortgage Company List for Lending in Montgomery County, NY for 2019

* 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
* $ 9,492,332,000 127 $ 8,605,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 123 $ 10,985,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,755,479,000 107 $ 6,725,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 102 $ 12,550,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 75 $ 7,275,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 661,642,000 70 $ 7,090,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 59 $ 7,465,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 50 $ 4,080,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,802,931,000 47 $ 2,915,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 45 $ 5,735,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 36 $ 4,470,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,959,305,000 32 $ 2,990,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 26 $ 1,280,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 25 $ 2,965,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,412,127,000 22 $ 1,760,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 18 $ 1,900,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 18 $ 2,100,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 18 $ 1,640,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 1,895,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 16 $ 1,550,000
Berkshire Bank

ALBANY, NY 12207
* $ 12,187,936,000 16 $ 880,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 16 $ 1,780,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,751,980,000 16 $ 880,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 15 $ 1,465,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 13 $ 1,495,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 12 $ 1,700,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 1,360,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 11 $ 1,685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 11 $ 895,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 11 $ 1,375,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 326,321,000 11 $ 945,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 11 $ 1,355,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 10 $ 1,480,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 780,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 890,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 7 $ 635,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 294,597,000 7 $ 935,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 7 $ 1,015,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 6 $ 860,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 6 $ 680,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ -1,000 6 $ 1,020,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,050,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 860,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 302,668,929,000 6 $ 340,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 475,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 675,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 5 $ 525,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 140,972,000 4 $ 530,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 4 $ 520,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 474,407,000 4 $ 520,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,578,708,000 4 $ 510,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 4 $ 490,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 395,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 3 $ 205,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 3 $ 365,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 3 $ 415,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 85,222,000 3 $ 345,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 195,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 587,964,000 3 $ 215,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 77,243,612,000 3 $ 215,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,286,967,000 3 $ 75,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 478,360,000 2 $ 440,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 130,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 2 $ 240,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 2 $ 180,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 542,244,000 2 $ 390,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 60,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 2 $ 550,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 70,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 270,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 610,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 250,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 80,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 280,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 130,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 86,288,000 2 $ 120,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 25,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 821,445,000 1 $ 205,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 55,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 3,153,658,000 1 $ 35,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 105,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 105,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 7,183,022,000 1 $ 255,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 25,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 95,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 105,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 4,187,734,000 1 $ 165,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ 274,959,000 1 $ 45,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 212,758,000 1 $ 15,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 105,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 125,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 125,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,935,678,000 1 $ 75,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 85,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 75,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,791,677,000 1 $ 65,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 590,217,000 1 $ 215,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 155,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 45,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 531,968,000 1 $ 135,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 235,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000

The tables below break down 2019 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 2019

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 667 $78,725,000 $118,000 $445,000 $68,000 $274,000
Refinancing 245 $24,905,000 $101,000 $455,000 $78,000 $585,000
Home Improvement 221 $11,685,000 $52,000 $315,000 $74,000 $425,000
Cash-out Refinancing 177 $20,485,000 $115,000 $365,000 $72,000 $185,000
Other Purpose 134 $7,320,000 $54,000 $355,000 $85,000 $543,000
Not Applicable 32 $2,650,000 $82,000 $225,000 $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 1,087 $104,705,000 $96,000 $455,000 $73,000 $585,000
Not Provided 157 $16,975,000 $108,000 $355,000 $75,000 $520,000
Not applicable 137 $14,815,000 $108,000 $365,000 $71,000 $121,000
Hispanic 58 $5,160,000 $88,000 $255,000 $70,000 $168,000
Asian 16 $1,510,000 $94,000 $305,000 $67,000 $278,000
Black or African American 9 $1,265,000 $140,000 $315,000 $102,000 $163,000
American Indian or Alaskan Native 6 $670,000 $111,000 $195,000 $60,000 $100,000
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) 1,025 $91,995,000 $89,000 $455,000 $77,000 $585,000
FHA-insured (Federal Housing Administration) 333 $37,705,000 $113,000 $315,000 $57,000 $163,000
VA-guaranteed (Veterans Administration) 69 $10,225,000 $148,000 $445,000 $78,000 $274,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $5,845,000 $119,000 $215,000 $57,000 $88,000

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 736 $76,950,000 $104,000 $445,000 $79,000 $585,000
Application Denied By Financial Institution 343 $26,775,000 $78,000 $455,000 $65,000 $425,000
Loan Purchased By The Institution 165 $18,835,000 $114,000 $365,000 $67,000 $170,000
Application Withdrawn By Applicant 129 $14,365,000 $111,000 $355,000 $68,000 $520,000
File Closed For Incompleteness 57 $4,955,000 $86,000 $245,000 $65,000 $182,000
Application Approved But Not Accepted 45 $3,795,000 $84,000 $245,000 $60,000 $141,000
Preapproval Denied by Financial Institution 1 $95,000 $95,000 $95,000 $50,000 $50,000
Preapproval Approved but not Accepted 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 1,132 $118,900,000 $105,000 $445,000 $75,000 $585,000
Credit History 91 $5,225,000 $57,000 $195,000 $70,000 $425,000
Debt-To-Income Ratio 84 $7,460,000 $88,000 $275,000 $48,000 $121,000
Collateral 81 $6,665,000 $82,000 $315,000 $83,000 $350,000
Other 40 $3,800,000 $95,000 $455,000 $60,000 $144,000
Credit Application Incomplete 25 $2,165,000 $86,000 $155,000 $64,000 $200,000
Employment History 10 $670,000 $67,000 $115,000 $34,000 $74,000
Unverifiable Information 8 $430,000 $53,000 $95,000 $59,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 5 $455,000 $91,000 $135,000 $72,000 $118,000
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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