Otsego County, NY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 4,685 mortgage applications in Otsego County, NY totaling $467.6 million, up 10% from 2004. The average application was for $99,000, and applicants reported an average income of $66,000. 39% of applications resulted in an originated loan and 27% were denied. The most active lender was Nbt Bank NA, with 328 applications, followed by Ameriquest Mortgage Company 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 | 4,685 |
| Total Mortgage Loan Application Amount | $467,646,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $1,056,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,584,000 |
* 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 |
|---|---|---|---|---|
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 4,187,965,000 | 328 | $ 23,519,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 279 | $ 31,030,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 269 | $ 30,353,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 220 | $ 15,286,000 |
| Wilber National Bank 245 MAIN STREET P.O. BOX 430 ONEONTA, NY 13820 |
* | $ 750,289,000 | 208 | $ 15,607,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 207 | $ 12,453,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 190 | $ 17,279,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 16,300,000,000 | 147 | $ 8,479,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 146 | $ 17,681,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 144 | $ 22,264,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 117 | $ 11,003,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 107 | $ 12,281,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 105 | $ 11,109,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 103 | $ 9,097,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 99 | $ 14,574,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 98 | $ 10,020,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 80 | $ 9,658,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 74 | $ 7,583,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 60 | $ 6,664,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 56 | $ 6,972,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 55 | $ 4,344,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 54 | $ 8,038,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 51 | $ 5,398,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 48 | $ 5,193,000 |
| Charter One Bank 1215 SUPERIOR AVE CLEVELAND, OH 44114 |
* | $ 50,893,179,000 | 46 | $ 3,407,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 41 | $ 2,004,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 41 | $ 5,585,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 40 | $ 4,841,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 39 | $ 3,490,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 38 | $ 7,048,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 37 | $ 2,264,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 35 | $ 1,745,000 |
| Uvantage Home Lending Services 2300 E LINCOLN HWY STE 609 LANGHORNE, PA 19047 |
* | $ 10,000,000 | 32 | $ 3,538,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 31 | $ 3,002,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 31 | $ 3,801,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 30 | $ 2,113,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 30 | $ 2,501,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 30 | $ 3,087,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 30 | $ 1,778,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 29 | $ 3,351,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 28 | $ 2,300,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 27 | $ 2,990,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 26 | $ 2,270,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 23 | $ 1,911,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,913,935,000 | 21 | $ 2,062,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 20 | $ 2,282,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 20 | $ 1,932,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 19 | $ 1,685,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 18 | $ 1,728,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 2,347,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 17 | $ 1,615,000 |
| Wells Fargo Fin'l Cred Serv Ny 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 344,338,000 | 16 | $ 1,080,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 694,529,000,000 | 15 | $ 1,212,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 15 | $ 1,132,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 52,414,140,000 | 14 | $ 1,642,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 14 | $ 1,644,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 14 | $ 1,450,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 13 | $ 1,060,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 13 | $ 1,113,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 13 | $ 1,528,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 12 | $ 1,214,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 11 | $ 481,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 11 | $ 1,169,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 11 | $ 1,576,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 10 | $ 741,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 377,382,000 | 10 | $ 889,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 10 | $ 1,318,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 10 | $ 1,008,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 10 | $ 1,382,000 |
| Partners Trust Bank 233 GENESEE ST UTICA, NY 13501 |
* | $ 3,649,407,000 | 9 | $ 936,000 |
| First Niagara Bank 6950 SOUTH TRANSIT ROAD LOCKPORT, NY 14094 |
* | $ 5,072,780,000 | 9 | $ 726,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 9 | $ 1,517,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 8 | $ 742,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 8 | $ 947,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 8 | $ 978,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 8 | $ 733,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 8 | $ 651,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 7 | $ 856,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 156,671,000 | 7 | $ 403,000 |
| Cco Mortgage 10 TRIPPS LANE RIVERSIDE, RI 02915 |
* | $ 51,200,000,000 | 7 | $ 961,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 7 | $ 2,255,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 7 | $ 341,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 7 | $ 942,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 6 | $ 952,000 |
| Bank of Richmondville 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 101,777,000 | 6 | $ 443,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 6 | $ 922,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ 10,000,000 | 6 | $ 817,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 6 | $ 347,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 6 | $ 1,633,000 |
| Orchid Island Trs, LLC 3305 FLAMINGO DRIVE VERO BEACH, FL 32963 |
* | $ 10,000,000 | 6 | $ 1,000,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 6 | $ 652,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 54,454,684,000 | 5 | $ 844,000 |
| Milford National Bank & Trust Co. 300 EAST MAIN STREET MILFORD, MA 01757 |
* | $ 306,501,000 | 5 | $ 284,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 5 | $ 186,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 138,296,274,000 | 5 | $ 253,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 5 | $ 336,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 5 | $ 902,000 |
| First Alternative Mortgage Cor 145 HUGUENOT ST, SUITE 109 NEW ROCHELL, NY 10801 |
* | $ 10,000,000 | 5 | $ 537,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 538,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 4 | $ 397,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 4 | $ 1,138,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 614,000 |
| BNY Mellon 500 GRANT STREET, ROOM 2850 PITTSBURGH, PA 15258 |
* | $ 92,138,427,000 | 4 | $ 272,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 1,232,009,000 | 4 | $ 371,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 4 | $ 423,000 |
| R-G Crown Bank 105 LIVE OAKS GARDENS CASSELBERRY, FL 32707 |
* | $ 1,843,784,000 | 3 | $ 1,005,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 412,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 10,353,821,000 | 3 | $ 174,000 |
| Rome Savings Bank 100 W DOMINICK ST., PO BOX 311 ROME, NY 13442 |
* | $ 267,662,000 | 3 | $ 512,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 7,021,387,000 | 3 | $ 314,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 652,000 |
| Sunset Direct Lending 5000 SW MEADOWS ROAD SUITE 131 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 3 | $ 567,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 3 | $ 382,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 3 | $ 120,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 317,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 36,023,828,000 | 3 | $ 325,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 3 | $ 172,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 341,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 1,711,411,000 | 3 | $ 182,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 81,251,000 | 3 | $ 67,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 3 | $ 239,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 523,679,000 | 3 | $ 242,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 3 | $ 453,000 |
| Coastal Capital Corp 1 PLAZA ROAD GREENVALE, NY 11548 |
* | $ 10,000,000 | 3 | $ 243,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 654,129,000 | 3 | $ 352,000 |
| BNY Mortgage Company 335 RIFLE CAMP RD WEST PATERSON, NJ 07424 |
* | $ 92,138,427,000 | 2 | $ 350,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 13,849,972,000 | 2 | $ 160,000 |
| Astoria Federal Savings & Loan ONE ASTORIA FEDERAL PLAZA LAKE SUCCESS, NY 11042 |
* | $ 23,170,238,000 | 2 | $ 307,000 |
| American Home Loans 17991 COWAN IRVINE, CA 92614 |
* | $ 10,000,000 | 2 | $ 106,000 |
| American Enterprise Bank of Fl 10611 DEERWOOD PARK BLVD JACKSNOVILLE, FL 32256 |
* | $ 54,072,000 | 2 | $ 235,000 |
| American Mortgage Express Corp 136 GAITHER DRIVE MOUNT LAUREL, NJ 08054 |
* | $ 10,000,000 | 2 | $ 237,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 517,793,000 | 2 | $ 300,000 |
| Accredited Mortgage Service 2139 HWY 35 HOLMDEL, NJ 07733 |
* | $ 956,920,000 | 2 | $ 116,000 |
| Commerce Bank, NA 2059 SPINGDALE ROAD CHERRY HILL, NJ 08003 |
* | $ 21,468,101,000 | 2 | $ 127,000 |
| Credit Suisse 302 CARNEGIE CENTER 2ND FLOOR PRINCETON, NJ 08540 |
* | $ 241,300,000,000 | 2 | $ 162,000 |
| First Amerrican Mortgage Trust 56 HARVARD STREET BROOKLINE, MA 02445 |
* | $ 10,000,000 | 2 | $ 147,000 |
| First Continental Mortgage 155 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ 10,000,000 | 2 | $ 365,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 2 | $ 115,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 211,300,000 | 2 | $ 50,000 |
| Downey Savings and Loan 3501 JAMBOREE ROAD NEWPORT BEACH, CA 92660 |
* | $ 15,648,458,000 | 2 | $ 808,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 87,271,000 | 2 | $ 90,000 |
| Home Consultants 473 EASTON TURNPIKE STE A LAKE ARIEL, PA 18436 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 63,734,827,000 | 2 | $ 1,402,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 380,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 275,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,718,770,000 | 2 | $ 181,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 218,842,000 | 2 | $ 239,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 1,566,403,000 | 2 | $ 293,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 2 | $ 37,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,408,072,000 | 2 | $ 187,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 668,956,000 | 2 | $ 224,000 |
| Sleepy Hollow Bank 49 BEEKMAN AVENUE SLEEPY HOLLOW, NY 10591 |
* | $ 245,432,000 | 1 | $ 165,000 |
| Professional Mortgage Bankers 400 POST AVE WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Platinum Community Bank 2915 KIRCHOFF RD ROLLING MEADOWS, IL 60008 |
* | $ 123,087,000 | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 73,809,165,000 | 1 | $ 64,000 |
| Nexstar Financial Corporation 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 11,800,000,000 | 1 | $ 55,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 23,963,342,000 | 1 | $ 116,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 140,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 375,000 |
| Ocwen Federal Bank FSB 1661 WORTHINGTON AVENUE #100 WEST PALM BEACH, FL 33409 |
* | $ 835,378,000 | 1 | $ 250,000 |
| Walden Federal Savings & Loan 12 MAIN STREET WALDEN, NY 12586 |
* | $ 87,364,000 | 1 | $ 142,000 |
| Wall Street Financial Corp 75 LANE ROAD FAIRFIELD, NJ 07004 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Wausau Mortgage Corporation 6700 KOLL CENTER PKWY #100 PLEASANTON, CA 94566 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Webster Bank, N.A. 145 BANK ST WATERBURY, CT 06702 |
* | $ 16,802,248,000 | 1 | $ 91,000 |
| Worldwide Financial Resources 50 US HIGHWAY RT 9 MORGANVILLE, NJ 07751 |
* | $ 10,000,000 | 1 | $ 637,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ 10,000,000 | 1 | $ 113,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 212,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 120,000 |
| The New York Mortgage Company 1301 AVENUE OF THE AMERICAS NEW YORK, NY 10019 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 572,088,000 | 1 | $ 379,000 |
| Southern Star Mortgage Corp 90 MERRICK AVENUE SUITE 204 EAST MEADOW, NY 11554 |
* | $ 6,500,000 | 1 | $ 120,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 22,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 28,654,814,000 | 1 | $ 76,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 20,145,900,000 | 1 | $ 611,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 1,875,225,000 | 1 | $ 120,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 1,370,183,000 | 1 | $ 63,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 1 | $ 130,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 107,000 |
| Mortgage Line Financial Corp. 135 CROSSWAYS PARK DRIVE, SUITE 401 WOODBURY, NY 11797 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Maspeth Federal Savings and Lo 56-05 69TH STREET MASPETH, NY 11378 |
* | $ 1,293,700,000 | 1 | $ 90,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 475,269,000 | 1 | $ 5,000 |
| Midcountry Mortgage Corp. 1001 LABORE INDUSTRIAL COURT SUITE E VADNAIS HEIGHTS, MN 55110 |
* | $ 464,081,000 | 1 | $ 142,000 |
| Home Funding Finders, Inc 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Greentree Mortgage Company, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ 31,000,000 | 1 | $ 99,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,092,666,000 | 1 | $ 105,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 45,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 442,392,000 | 1 | $ 8,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 1 | $ 150,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 218,094,000 | 1 | $ 104,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 22,030,199,000 | 1 | $ 25,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 717,364,000 | 1 | $ 300,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 212,000 |
| Ehomecredit Corp 100 GARDEN CITY PLAZA SUITE 500 GARDEN CITY, NY 11530 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 162,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 4,380,340,000 | 1 | $ 50,000 |
| Columbia Home Loans, Llc. C/O OCEAN FIRST BANK, 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ 1,717,409,000 | 1 | $ 149,000 |
| Charles Schwab Bank 101 MONTGOMERY STREET 11-262 SAN FRANCISCO, CA 94104 |
* | $ 4,424,906,000 | 1 | $ 143,000 |
| Citizens Bank of Connecticut 63 EUGENE O'NEILL DRIVE NEW LONDON, CT 06320 |
* | $ 3,891,975,000 | 1 | $ 72,000 |
| Citizens Bank of Massachusetts 28 STATE STREET BOSTON, MA 02109 |
* | $ 31,251,938,000 | 1 | $ 50,000 |
| Alliance Mortgage Banking Corp 3601 HEMPSTEAD TURNPIKE SUITE 305 LEVITTOWN, NY 11756 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 53,000 |
| American Express Bank, FSB 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 |
* | $ 12,174,313,000 | 1 | $ 332,000 |
| Bankunited, FSB 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 8,837,815,000 | 1 | $ 112,000 |
| Bath National Bank 44 LIBERTY STREET BATH, NY 14810 |
* | $ 472,447,000 | 1 | $ 25,000 |
| Beacon Federal 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 417,076,000 | 1 | $ 5,000 |
| Capitol Federal Savings 700 S. KANSAS AVE TOPEKA, KS 66601 |
* | $ 8,570,245,000 | 1 | $ 451,000 |
| Carver Federal Savings Bank 75 WEST 125TH STREET NEW YORK, NY 10027 |
* | $ 616,415,000 | 1 | $ 500,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 2,071,791,000 | 1 | $ 20,000 |
The tables below break down 2005 mortgage applications in Otsego 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 Otsego County, NY in 2005
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 | 2,708 | $280,188,000 | $103,000 | $900,000 | $60,000 | $1,584,000 |
| Home Purchase | 1,351 | $156,971,000 | $116,000 | $1,056,000 | $75,000 | $996,000 |
| Home Improvement | 626 | $30,487,000 | $48,000 | $637,000 | $66,000 | $487,000 |
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 | 3,434 | $326,780,000 | $95,000 | $1,056,000 | $69,000 | $996,000 |
| Not Provided | 878 | $99,218,000 | $113,000 | $1,000,000 | $69,000 | $1,584,000 |
| Not applicable | 231 | $26,315,000 | $113,000 | $637,000 | $6,000 | $141,000 |
| Hispanic | 52 | $4,547,000 | $87,000 | $277,000 | $79,000 | $1,200,000 |
| Black or African American | 38 | $4,655,000 | $122,000 | $520,000 | $73,000 | $276,000 |
| Asian | 25 | $3,194,000 | $127,000 | $296,000 | $88,000 | $396,000 |
| American Indian or Alaskan Native | 23 | $2,396,000 | $104,000 | $200,000 | $74,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $541,000 | $135,000 | $334,000 | $97,000 | $255,000 |
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) | 4,594 | $460,080,000 | $100,000 | $1,056,000 | $68,000 | $1,584,000 |
| FHA-insured (Federal Housing Administration) | 83 | $7,031,000 | $84,000 | $170,000 | $40,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 6 | $429,000 | $71,000 | $85,000 | $20,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $106,000 | $53,000 | $76,000 | $20,000 | $41,000 |
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 | 1,817 | $178,157,000 | $98,000 | $1,056,000 | $77,000 | $996,000 |
| Application Denied By Financial Institution | 1,250 | $114,783,000 | $91,000 | $1,000,000 | $61,000 | $750,000 |
| Application Withdrawn By Applicant | 647 | $68,343,000 | $105,000 | $550,000 | $76,000 | $1,200,000 |
| Application Approved But Not Accepted | 379 | $39,685,000 | $104,000 | $760,000 | $67,000 | $425,000 |
| Loan Purchased By The Institution | 355 | $40,501,000 | $114,000 | $637,000 | $34,000 | $397,000 |
| File Closed For Incompleteness | 236 | $26,132,000 | $110,000 | $400,000 | $63,000 | $1,584,000 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $66,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 261 | $18,469,000 | $70,000 | $600,000 | $50,000 | $240,000 |
| Other | 195 | $19,869,000 | $101,000 | $680,000 | $75,000 | $600,000 |
| Collateral | 161 | $21,381,000 | $132,000 | $1,000,000 | $87,000 | $750,000 |
| Debt-To-Income Ratio | 146 | $12,732,000 | $87,000 | $570,000 | $43,000 | $238,000 |
| Credit Application Incomplete | 76 | $8,585,000 | $112,000 | $488,000 | $64,000 | $726,000 |
| Unverifiable Information | 66 | $6,404,000 | $97,000 | $650,000 | $59,000 | $350,000 |
| Employment History | 7 | $490,000 | $70,000 | $120,000 | $34,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $532,000 | $76,000 | $135,000 | $52,000 | $134,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $49,000 | $49,000 |
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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