Oswego County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 3,562 mortgage applications in Oswego County, NY totaling $429.5 million, down 11% from 2022. The average application was for $120,000, and applicants reported an average income of $94,000. 57% of applications resulted in an originated loan and 19% were denied. The most active lender was Empower Federal Credit Union, with 785 applications, followed by Oswego County FCU and Pathfinder Bank.
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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 | 3,562 |
| Total Mortgage Loan Application Amount | $429,490,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,971,000 |
* 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 |
* | $ 3,193,673,000 | 785 | $ 65,605,000 |
| Oswego County FCU 90 EAST BRIDGE STREET OSWEGO, NY 13126 |
* | $ 129,325,000 | 207 | $ 13,245,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,404,490,000 | 164 | $ 17,080,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 474,328,000 | 156 | $ 20,980,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 147 | $ 17,355,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,696,102,000 | 138 | $ 16,880,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 125 | $ 15,245,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,659,908,000 | 88 | $ 11,640,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 86 | $ 8,270,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 81 | $ 13,695,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 76 | $ 12,950,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 66 | $ 9,450,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 63 | $ 4,685,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 59 | $ 5,375,000 |
| Compass Federal Credit Union 7 4TH AVE OSWEGO, NY 13126 |
* | $ 90,240,000 | 57 | $ 4,315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 56 | $ 9,760,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 54 | $ 7,570,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 53 | $ 7,595,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 41 | $ 6,895,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 616,636,000 | 38 | $ 7,300,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 598,530,000 | 38 | $ 2,990,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 37 | $ 8,155,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 1,116,398,000 | 37 | $ 6,955,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 7,999,108,000 | 37 | $ 2,175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 35 | $ 5,955,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 31 | $ 5,555,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 30 | $ 4,120,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 28 | $ 1,740,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 27 | $ 6,015,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 24 | $ 4,250,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 24 | $ 4,260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 23 | $ 3,485,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 22 | $ 4,340,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 21 | $ 4,475,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 20 | $ 1,350,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 20 | $ 3,250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 18 | $ 1,380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 17 | $ 2,645,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 17 | $ 1,235,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 15 | $ 2,035,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 14 | $ 2,980,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,295,200,000 | 13 | $ 1,255,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 1,785,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 11 | $ 1,715,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,548,911,000 | 11 | $ 1,035,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 1,625,000 |
| Oswego Teachers Employees Federal Credit Union 90 W UTICA ST OSWEGO, NY 13126 |
* | $ 55,972,000 | 10 | $ 930,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 10 | $ 680,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 10 | $ 910,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 10 | $ 1,580,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 1,117,965,000 | 9 | $ 1,505,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,495,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 235,191,000 | 8 | $ 1,800,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,140,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 954,358,000 | 7 | $ 535,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 6 | $ 830,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 910,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 5 | $ 1,445,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 5 | $ 1,195,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 5 | $ 885,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 765,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 5 | $ 775,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 5 | $ 1,195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 5 | $ 875,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 815,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 735,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 308,118,000 | 5 | $ 815,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 272,432,000 | 4 | $ 780,000 |
| Savannah Bank, N.A. 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 178,425,000 | 4 | $ 1,100,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 4 | $ 1,430,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 4 | $ 470,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 4 | $ 380,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 7,630,619,000 | 4 | $ 1,130,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 4 | $ 800,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 640,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,485,149,000 | 3 | $ 135,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,753,561,000 | 3 | $ 355,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 3 | $ 205,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 3 | $ 265,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,656,860,000 | 3 | $ 205,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 645,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 1,055,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 615,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 3 | $ 535,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 325,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 395,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 649,833,000 | 3 | $ 135,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 9,158,466,000 | 3 | $ 405,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,247,746,000 | 3 | $ 445,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 2 | $ 250,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD NEW HARTFORD, NY 13413 |
* | $ 94,974,000 | 2 | $ 300,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 308,456,000 | 2 | $ 880,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 200,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 8,876,888,000 | 2 | $ 140,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 894,786,000 | 2 | $ 180,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 290,000 |
| Salt City Federal Credit Union 1753 MILTON AVE SOLVAY, NY 13209 |
* | $ 89,400,000 | 2 | $ 70,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 280,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 2 | $ 250,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 2 | $ 360,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 2 | $ 220,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 2,446,950,000 | 2 | $ 100,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 2 | $ 400,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ -1,000 | 2 | $ 220,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 2 | $ 230,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 140,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 1 | $ 225,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 145,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 105,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 185,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 506,511,000 | 1 | $ 215,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,302,495,000 | 1 | $ 115,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 632,715,000 | 1 | $ 315,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 85,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 125,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 2,048,365,000 | 1 | $ 505,000 |
| First Fed Bank 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ 2,019,046,000 | 1 | $ 25,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 65,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 285,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 85,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 165,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 95,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,820,893,000 | 1 | $ 35,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 45,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 1 | $ 65,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 372,329,000 | 1 | $ 145,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 155,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,641,568,000 | 1 | $ 85,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 5,264,106,000 | 1 | $ 45,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 555,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 1 | $ 15,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 85,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ -1,000 | 1 | $ 165,000 |
| Access Federal Credit Union 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 254,384,000 | 1 | $ 85,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 235,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 215,000 |
| Merchants Mortgage & Trust Corporation 7400 E CRESTLINE CIR #250 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 125,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 295,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 155,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 1 | $ 225,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 1 | $ 225,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ -1,000 | 1 | $ 175,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 165,000 |
| Developer's Mortgage Company 2700 E DUBLIN GRANVILLE RD SUITE 460 COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 205,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 1 | $ 95,000 |
| Mabrey Bank P O BOX 130 BIXBY, OK 74008 |
* | $ 1,577,103,000 | 1 | $ 295,000 |
The tables below break down 2023 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 2023
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 | 1,617 | $266,185,000 | $164,000 | $995,000 | $95,000 | $923,000 |
| Home Improvement | 675 | $40,875,000 | $60,000 | $405,000 | $93,000 | $1,589,000 |
| Cash-out Refinancing | 540 | $59,690,000 | $110,000 | $505,000 | $98,000 | $1,971,000 |
| Other Purpose | 411 | $27,085,000 | $65,000 | $375,000 | $92,000 | $626,000 |
| Refinancing | 292 | $33,550,000 | $114,000 | $1,605,000 | $88,000 | $844,000 |
| Not Applicable | 27 | $2,105,000 | $77,000 | $185,000 | $51,000 | $51,000 |
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 | 2,925 | $334,295,000 | $114,000 | $995,000 | $93,000 | $1,589,000 |
| Not Provided | 249 | $32,195,000 | $129,000 | $485,000 | $111,000 | $1,971,000 |
| Not applicable | 248 | $47,050,000 | $189,000 | $1,605,000 | $128,000 | $282,000 |
| Hispanic | 56 | $6,120,000 | $109,000 | $505,000 | $85,000 | $670,000 |
| Black or African American | 30 | $3,360,000 | $112,000 | $365,000 | $84,000 | $275,000 |
| Asian | 25 | $3,445,000 | $137,000 | $245,000 | $91,000 | $202,000 |
| American Indian or Alaskan Native | 21 | $2,145,000 | $102,000 | $215,000 | $89,000 | $449,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $290,000 | $72,000 | $125,000 | $69,000 | $118,000 |
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) | 2,993 | $333,305,000 | $111,000 | $1,605,000 | $96,000 | $1,971,000 |
| FHA-insured (Federal Housing Administration) | 384 | $57,650,000 | $150,000 | $445,000 | $77,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 179 | $37,875,000 | $211,000 | $505,000 | $90,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $660,000 | $110,000 | $155,000 | $67,000 | $74,000 |
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 | 2,047 | $255,345,000 | $124,000 | $1,605,000 | $98,000 | $1,110,000 |
| Application Denied By Financial Institution | 682 | $65,180,000 | $95,000 | $445,000 | $80,000 | $1,589,000 |
| Application Withdrawn By Applicant | 325 | $40,235,000 | $123,000 | $435,000 | $102,000 | $1,971,000 |
| Loan Purchased By The Institution | 225 | $39,075,000 | $173,000 | $505,000 | $113,000 | $282,000 |
| File Closed For Incompleteness | 182 | $18,090,000 | $99,000 | $385,000 | $93,000 | $900,000 |
| Application Approved But Not Accepted | 100 | $11,470,000 | $114,000 | $295,000 | $82,000 | $542,000 |
| Preapproval Denied by Financial Institution | 1 | $95,000 | $95,000 | $95,000 | $64,000 | $64,000 |
| 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 | 2,486 | $326,640,000 | $131,000 | $1,605,000 | $97,000 | $1,971,000 |
| Debt-To-Income Ratio | 573 | $56,445,000 | $98,000 | $695,000 | $91,000 | $1,110,000 |
| Credit History | 215 | $16,155,000 | $75,000 | $355,000 | $74,000 | $300,000 |
| Collateral | 148 | $13,880,000 | $93,000 | $325,000 | $95,000 | $923,000 |
| Other | 69 | $7,565,000 | $109,000 | $365,000 | $100,000 | $1,589,000 |
| Credit Application Incomplete | 40 | $4,370,000 | $109,000 | $445,000 | $94,000 | $320,000 |
| Unverifiable Information | 14 | $2,080,000 | $148,000 | $445,000 | $87,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,585,000 | $144,000 | $235,000 | $75,000 | $141,000 |
| Employment History | 6 | $770,000 | $128,000 | $355,000 | $89,000 | $135,000 |
| 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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