Oswego County, NY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 4,142 mortgage applications in Oswego County, NY totaling $370.6 million, up 14% from 2011. The average application was for $89,000, and applicants reported an average income of $65,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Empower Federal Credit Union, with 877 applications, followed by Pathfinder 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 | 4,142 |
| Total Mortgage Loan Application Amount | $370,632,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,085,000 |
* 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 |
|---|---|---|---|---|
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,032,359,000 | 877 | $ 63,187,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 442,654,000 | 346 | $ 34,214,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 276 | $ 28,862,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 6,460,589,000 | 195 | $ 15,830,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 164 | $ 11,930,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 152 | $ 15,372,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 134 | $ 14,180,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,006,368,000 | 126 | $ 9,542,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,403,481,000 | 124 | $ 12,929,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 395,177,000 | 118 | $ 6,702,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 95 | $ 7,350,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 93 | $ 9,927,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 78 | $ 4,243,000 |
| Beacon Federal 6611 MANLIUS CENTER RD EAST SYRACUSE, NY 13057 |
* | $ 1,027,212,000 | 74 | $ 3,574,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 69 | $ 6,612,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 63 | $ 6,032,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 56 | $ 4,975,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 54 | $ 6,155,000 |
| Oswego County FCU 90 EAST BRIDGE STREET OSWEGO, NY 13126 |
* | $ 44,063,000 | 52 | $ 2,757,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 49 | $ 6,006,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 44 | $ 2,316,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 43 | $ 4,369,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 38 | $ 5,706,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 35 | $ 5,173,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 32 | $ 2,954,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,040,695,000 | 32 | $ 5,100,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 31 | $ 3,864,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 30 | $ 3,453,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 25 | $ 3,221,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 24 | $ 1,169,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 23 | $ 2,557,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 474,417,000 | 23 | $ 2,676,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 21 | $ 1,038,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 21 | $ 2,103,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 663,383,000 | 20 | $ 1,775,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 20 | $ 1,795,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 620,443,000 | 19 | $ 2,335,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 17 | $ 2,198,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 16 | $ 2,421,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 15 | $ 1,617,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 14 | $ 519,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 664,055,000 | 14 | $ 676,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 13 | $ 2,027,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 12 | $ 1,605,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 12 | $ 1,359,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 12 | $ 134,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,316,124,000 | 12 | $ 627,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 131,556,000 | 10 | $ 756,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 9 | $ 452,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 9 | $ 1,047,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 8 | $ 1,022,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 8 | $ 147,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 8 | $ 324,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 3,955,635,000 | 8 | $ 504,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 686,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 7 | $ 939,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 7 | $ 618,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 7 | $ 717,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 7 | $ 702,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 7 | $ 765,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 6 | $ 818,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 146,749,000 | 6 | $ 959,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 152,802,000 | 5 | $ 491,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 5 | $ 846,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,322,979,000 | 5 | $ 676,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 650,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 4 | $ 203,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 4 | $ 711,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 4 | $ 676,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 4,181,445,000 | 4 | $ 222,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 131,165,000 | 4 | $ 265,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 4 | $ 304,000 |
| The Funding Source LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 4 | $ 326,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 4 | $ 467,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 580,713,000 | 4 | $ 439,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 4 | $ 56,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 3 | $ 526,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 3 | $ 320,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,565,020,000 | 3 | $ 438,000 |
| Focal Point FCU 6555 RIDINGS ROAD SYRACUSE, NY 13206 |
* | $ 49,111,000 | 3 | $ 95,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 241,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 416,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 3 | $ 419,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 168,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 506,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 3 | $ 184,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 2 | $ 144,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 2 | $ 174,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 897,588,000 | 2 | $ 147,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 554,692,000 | 2 | $ 190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 76,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 176,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 67,306,000 | 2 | $ 44,000 |
| Self Reliance (Ny) FCU 108 SECOND AVE NEW YORK, NY 10003 |
* | $ 836,111,000 | 1 | $ 125,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 325,803,000 | 1 | $ 16,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 76,253,000 | 1 | $ 131,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 731,333,000 | 1 | $ 95,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,352,418,000 | 1 | $ 66,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,213,554,000 | 1 | $ 125,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 240,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 128,079,000 | 1 | $ 9,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 110,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 1,547,178,000 | 1 | $ 93,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 142,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,163,507,000 | 1 | $ 65,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 72,000 |
| Beneficial Bank 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 4,590,203,000 | 1 | $ 20,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 8,235,536,000 | 1 | $ 144,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 265,947,000 | 1 | $ 52,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 727,866,000 | 1 | $ 31,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 535,462,000 | 1 | $ 44,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 227,334,000 | 1 | $ 31,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 57,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 70,000 |
| Mortgage Enterprise, Ltd 393 OLD COUNTRY RD SUITE 301 CARLE PLACE, NY 11514 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 1 | $ 138,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 98,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 97,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 230,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 115,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 248,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 105,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 167,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 73,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 180,000 |
| Nothnagle Home Securities Corp 217 WEST MAIN STREET, SUITE 200 ROCHESTER, NY 14614 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 248,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 129,256,000 | 1 | $ 6,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 80,000 |
| Dnb First, National Association 4 BRANDYWINE AVE DOWNINGTOWN, PA 19335 |
* | $ 607,717,000 | 1 | $ 42,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 65,064,000 | 1 | $ 1,600,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 102,711,000 | 1 | $ 13,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 30,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 220,153,000 | 1 | $ 137,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 250,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 173,000 |
| Auburn Community FCU PO BOX 867 AUBURN, NY 13021 |
* | $ 66,217,000 | 1 | $ 30,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 54,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 61,000 |
The tables below break down 2012 mortgage applications in Oswego 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 Oswego 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 | 1,939 | $200,022,000 | $103,000 | $5,000,000 | $73,000 | $805,000 |
| Home Purchase | 1,562 | $152,850,000 | $97,000 | $370,000 | $56,000 | $1,085,000 |
| Home Improvement | 641 | $17,760,000 | $27,000 | $825,000 | $66,000 | $774,000 |
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 | 3,510 | $307,234,000 | $87,000 | $574,000 | $70,000 | $1,085,000 |
| Not Provided | 283 | $27,815,000 | $98,000 | $5,000,000 | $65,000 | $227,000 |
| Not applicable | 258 | $26,750,000 | $103,000 | $1,600,000 | $4,000 | $360,000 |
| Hispanic | 52 | $4,638,000 | $89,000 | $300,000 | $50,000 | $156,000 |
| American Indian or Alaskan Native | 17 | $1,668,000 | $98,000 | $227,000 | $54,000 | $114,000 |
| Black or African American | 11 | $993,000 | $90,000 | $260,000 | $120,000 | $481,000 |
| Asian | 10 | $1,476,000 | $147,000 | $248,000 | $81,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $58,000 | $58,000 | $58,000 | $52,000 | $52,000 |
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) | 3,026 | $248,068,000 | $81,000 | $5,000,000 | $72,000 | $1,085,000 |
| FHA-insured (Federal Housing Administration) | 750 | $74,389,000 | $99,000 | $280,000 | $45,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 239 | $36,159,000 | $151,000 | $344,000 | $61,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 127 | $12,016,000 | $94,000 | $283,000 | $39,000 | $76,000 |
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 | 2,390 | $201,711,000 | $84,000 | $825,000 | $74,000 | $1,085,000 |
| Application Denied By Financial Institution | 714 | $58,605,000 | $82,000 | $417,000 | $58,000 | $278,000 |
| Loan Purchased By The Institution | 468 | $49,115,000 | $104,000 | $285,000 | $32,000 | $450,000 |
| Application Withdrawn By Applicant | 323 | $39,098,000 | $121,000 | $5,000,000 | $68,000 | $235,000 |
| Application Approved But Not Accepted | 144 | $12,401,000 | $86,000 | $299,000 | $72,000 | $275,000 |
| File Closed For Incompleteness | 103 | $9,702,000 | $94,000 | $311,000 | $66,000 | $165,000 |
| 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 | 148 | $8,649,000 | $58,000 | $300,000 | $53,000 | $261,000 |
| Debt-To-Income Ratio | 112 | $8,529,000 | $76,000 | $417,000 | $41,000 | $163,000 |
| Collateral | 104 | $10,274,000 | $98,000 | $327,000 | $79,000 | $278,000 |
| Other | 83 | $7,079,000 | $85,000 | $300,000 | $58,000 | $154,000 |
| Credit Application Incomplete | 46 | $4,646,000 | $101,000 | $294,000 | $67,000 | $208,000 |
| Mortgage Insurance Denied | 21 | $2,195,000 | $104,000 | $204,000 | $71,000 | $180,000 |
| Unverifiable Information | 18 | $1,405,000 | $78,000 | $283,000 | $73,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $1,621,000 | $95,000 | $224,000 | $46,000 | $166,000 |
| Employment History | 8 | $468,000 | $58,000 | $86,000 | $41,000 | $112,000 |
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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