Otsego County NY
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Unlock detailed Otsego County NY mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in New York.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 1,990 |
| Total Mortgage Loan Application Amount | $226,401,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $617,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $4,560,000 |
* 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, NATIONAL ASSOCIATION 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 325 | $ 25,881,000 |
| COMMUNITY BANK, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 6,460,589,000 | 255 | $ 19,187,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,161,490,000,000 | 226 | $ 31,010,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ 10,000,000 | 107 | $ 17,527,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 94 | $ 4,599,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 84 | $ 8,512,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 76,887,082,000 | 71 | $ 7,315,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 69 | $ 8,497,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 63 | $ 7,719,000 |
| HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 29 | $ 4,129,000 |
| USNY BANK 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 109,542,000 | 29 | $ 5,497,000 |
| US MORTGAGE CORPORATION 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ 11,000,000 | 26 | $ 4,168,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 26 | $ 4,158,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 25 | $ 1,701,000 |
| 1ST PRIORITY MORTGAGE, INC. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 23 | $ 2,637,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,459,157,302,000 | 23 | $ 4,215,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 19 | $ 2,697,000 |
| METLIFE BANK, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 17 | $ 2,584,000 |
| SEFCU SERVICES, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12206 |
* | $ 10,000,000 | 17 | $ 2,765,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,898,665,000 | 16 | $ 1,133,000 |
| OWNERSCHOICE FUNDING, INCORPORATED 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12205 |
* | $ 10,000,000 | 12 | $ 1,403,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 2,061,000 |
| HOME LOAN CENTER, INC. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 11 | $ 1,479,000 |
| CUSTOMERS BANK 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 11 | $ 365,000 |
| VISIONS FEDERAL CREDIT UNION 3301 COUNTRY CLUB ROAD ENDWELL, NY 13760 |
* | $ 3,040,695,000 | 11 | $ 1,189,000 |
| BANK OF RICHMONDVILLE 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 122,855,000 | 10 | $ 672,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 10 | $ 2,097,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 10 | $ 698,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 9 | $ 1,387,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 9 | $ 1,159,000 |
| FIRST SOURCE 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 312,469,000 | 9 | $ 467,000 |
| EMPOWER FEDERAL CREDIT UNION 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,032,359,000 | 8 | $ 665,000 |
| TRUHOME SOLUTIONS, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 8 | $ 1,301,000 |
| VANGUARD FUNDING LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 8 | $ 1,401,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,288,658,000,000 | 8 | $ 1,175,000 |
| BROADVIEW FEDERAL CREDIT UNION 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,316,124,000 | 8 | $ 561,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 188,912,554,000 | 7 | $ 823,000 |
| PARAGON HOME LOANS INC. 5010 CAMPUSWOOD DR, STE. 205 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 7 | $ 668,000 |
| FARM CREDIT EAST, ACA 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 7 | $ 1,356,000 |
| CCFCU FUNDING, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 7 | $ 870,000 |
| ADIRONDACK BANK 185 GENESEE ST UTICA, NY 13501 |
* | $ 580,713,000 | 6 | $ 924,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 6 | $ 832,000 |
| ALLY BANK 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 6 | $ 951,000 |
| FIRST NIAGARA BANK 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 5 | $ 582,000 |
| PROSPECT MORTGAGE, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 5 | $ 510,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 13,623,469,000 | 5 | $ 831,000 |
| AMERICU CREDIT UNION 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,006,368,000 | 5 | $ 523,000 |
| SERVICE FINANCE COMPANY, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 5 | $ 26,000 |
| FIRST CHOICE LOAN SERVICES INC. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 4 | $ 788,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ 100,000,000 | 4 | $ 879,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ 10,000,000 | 4 | $ 525,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 4 | $ 557,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 155,000 |
| GMAC MORTGAGE, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 348,000 |
| SANTANDER BANK, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 3 | $ 513,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 15,056,671,000 | 3 | $ 291,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 3 | $ 1,005,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 646,000 |
| HSBC BANK USA, NATIONAL ASSOCIATION 1800 TYSONS BLVD., SUITE 50 MCLEAN, VA 22102 |
* | $ 206,009,683,000 | 3 | $ 249,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 439,000 |
| CORNING CREDIT UNION ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 897,588,000 | 3 | $ 154,000 |
| ONE REVERSE MORTGAGE, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 204,000 |
| LIBERTY HOME EQUITY SOLUTIONS, INC. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 194,000 |
| ASSOCIATED MORTGAGE BANKERS, INC. 2395 OCEAN AVENUE SUITE 5 ISLIP, NY 11779 |
* | $ 35,004,000 | 3 | $ 314,000 |
| FRANKLIN FIRST FINANCIAL, LTD 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 2 | $ 286,000 |
| HUNT MORTGAGE CORPORATION 5400 BROADWAY STREET BUFFALO, NY 14086 |
* | $ 10,000,000 | 2 | $ 315,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ 10,000,000 | 2 | $ 229,000 |
| TIOGA STATE BANK PO BOX 386 SPENCER, NY 14883 |
* | $ 385,339,000 | 2 | $ 507,000 |
| BERKSHIRE BANK PO 1308 PITTSFIELD, MA 01202 |
* | $ 3,955,635,000 | 2 | $ 280,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 172,000 |
| CENTIER BANK 600 E 84TH AVENUE WHITING, IN 46410 |
* | $ 2,123,880,000 | 2 | $ 126,000 |
| USALLIANCE FEDERAL CREDIT UNION 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 758,439,000 | 2 | $ 383,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 233,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 2 | $ 416,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 90,000 |
| UNITED MORTGAGE CORP 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 260,000 |
| GATEWAY FUNDING DMS, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 212,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ 10,000,000 | 2 | $ 102,000 |
| GENERATION MORTGAGE COMPANY 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 173,000 |
| WCS LENDING, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 2 | $ 367,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 303,000 |
| SYRACUSE SECURITIES, INC. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 2 | $ 518,000 |
| PROFICIO BANK 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 2 | $ 269,000 |
| CITIZENS SOUTH BANK PO BOX 2249 GASTONIA, NC 28052 |
* | $ 1,078,712,000 | 2 | $ 156,000 |
| BEACON FEDERAL 6611 MANLIUS CENTER RD EAST SYRACUSE, NY 13057 |
* | $ 1,027,212,000 | 2 | $ 518,000 |
| CAPITAL ONE NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 2 | $ 135,000 |
| MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE NEW YORK, NY 10577 |
* | $ 12,019,539,000 | 2 | $ 877,000 |
| US BK NA ND 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 837,000 |
| ARVEST MORTGAGE COMPANY 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 209,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 293,000 |
| EDWARD JONES MORTGAGE, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 174,000 |
| PEOPLE'S UNITED BANK 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 27,319,304,000 | 1 | $ 100,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 1 | $ 604,000 |
| AFFINITY 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 08720 |
* | $ 2,139,801,000 | 1 | $ 140,000 |
| ING BANK, FSB / CAPITAL ONE 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 150,000 |
| THE NATIONAL UNION BANK OF KINDERHOOK 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 262,853,000 | 1 | $ 77,000 |
| ALLIANCE BANK NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,403,481,000 | 1 | $ 221,000 |
| WOODFOREST NATIONAL BANK 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 125,000 |
| FARMERS BANK AND TRUST NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 139,000 |
| FAIRPORT SAVINGS BANK 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 220,153,000 | 1 | $ 158,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ 52,388,000 | 1 | $ 289,000 |
| HOMEOWNERS MORTGAGE OF AMERICA 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 101,000 |
| PHH HOME LOANS, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 109,000 |
| MORTGAGE ACCESS CORP. 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 185,000 |
| RESIDENTIAL FINANCE CORPORATIO 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 111,000 |
| FIRST HORIZON BANK 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38101 |
* | $ 24,563,405,000 | 1 | $ 176,000 |
| BANC OF CALIFORNIA, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 1 | $ 273,000 |
| AMERIPRISE BANK, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 5,152,186,000 | 1 | $ 81,000 |
| ACCESS NATIONAL BANK 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 193,000 |
| CBC NATIONAL BANK 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 115,000 |
| NATIONAL BANK OF KANSAS CITY 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 138,000 |
| BNC NATIONAL BANK 20175 N 67TH AVENUE GLENDALE, AZ 85308 |
* | $ 662,437,000 | 1 | $ 151,000 |
| COLE TAYLOR BANK 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 1 | $ 223,000 |
| EVOLVE BANK & TRUST 301 SHOPPING WAY BLVD WEST MEMPHIS, AR 72301 |
* | $ 247,163,000 | 1 | $ 206,000 |
| BETHPAGE FEDERAL CREDIT UNION 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 4,505,104,000 | 1 | $ 52,000 |
| ACCESS 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 128,079,000 | 1 | $ 12,000 |
| TEACHERS FEDERAL CREDIT UNION 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 4,200,729,000 | 1 | $ 84,000 |
| UTICA GAS & ELECTRIC FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 51,776,000 | 1 | $ 32,000 |
| SIGNATURE FEDERAL CREDIT UNION 12 HERBERT ST. ALEXANDRIA, VA 22313 |
* | $ 275,779,000 | 1 | $ 135,000 |
| ONEIDA SAVINGS BANK 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 664,055,000 | 1 | $ 57,000 |
| CONTOUR MORTGAGE CORPORATION 990 STEWART AVENUE STE#660 DOVER, DE 11530 |
* | $ 10,000,000 | 1 | $ 37,000 |
| SKYLINE MORTGAGE LLC 65 MADISON AVE STE 310 MORRISTOWN, NJ 07960 |
* | $ 17,570,000 | 1 | $ 199,000 |
| FINANCE OF AMERICA REVERSE LLC 8023 EAST 63RD PLACE, SUITE 700 WILMINGTON, DE 74133 |
* | $ 3,125,000 | 1 | $ 90,000 |
| CONTINENTAL HOME LOANS INC. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 243,000 |
| TAMMAC HOLDINGS CORPORATION 100 COMMERCE BLVD WILMINGTON, DE 18702 |
* | $ 60,000,000 | 1 | $ 127,000 |
| RESIDENTIAL HOME FUNDING CORP. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 88,000 |
| ACADEMY MORTGAGE CORP. 105 CONKLIN STREET FARMINGDALE, NY 11735 |
* | $ 10,000,000 | 1 | $ 130,000 |
| THE FUNDING SOURCE LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 1 | $ 108,000 |
| GUARANTEED HOME MORTGAGE COMPA 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 238,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ 10,000,000 | 1 | $ 127,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2012, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Otsego 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 | 1,026 | $140,288,000 | $136,000 | $617,000 | $86,000 | $4,560,000 |
| Home Purchase | 592 | $72,202,000 | $121,000 | $513,000 | $65,000 | $435,000 |
| Home Improvement | 372 | $13,911,000 | $37,000 | $332,000 | $56,000 | $1,000,000 |
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 | 1,674 | $184,429,000 | $110,000 | $600,000 | $76,000 | $4,560,000 |
| Not Provided | 150 | $20,900,000 | $139,000 | $617,000 | $95,000 | $2,328,000 |
| Not applicable | 105 | $13,842,000 | $131,000 | $485,000 | $3,000 | $200,000 |
| Hispanic | 23 | $2,673,000 | $116,000 | $604,000 | $65,000 | $400,000 |
| Asian | 15 | $2,037,000 | $135,000 | $300,000 | $100,000 | $363,000 |
| Black or African American | 15 | $1,908,000 | $127,000 | $298,000 | $113,000 | $415,000 |
| American Indian or Alaskan Native | 7 | $597,000 | $85,000 | $146,000 | $87,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
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) | 1,535 | $169,434,000 | $110,000 | $617,000 | $79,000 | $2,328,000 |
| FHA-insured (Federal Housing Administration) | 338 | $42,015,000 | $124,000 | $348,000 | $49,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 62 | $9,040,000 | $145,000 | $417,000 | $125,000 | $4,560,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $5,912,000 | $107,000 | $186,000 | $42,000 | $73,000 |
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 | 981 | $108,088,000 | $110,000 | $513,000 | $78,000 | $508,000 |
| Application Denied By Financial Institution | 505 | $50,284,000 | $99,000 | $604,000 | $74,000 | $4,560,000 |
| Loan Purchased By The Institution | 202 | $28,813,000 | $142,000 | $485,000 | $42,000 | $445,000 |
| Application Withdrawn By Applicant | 147 | $18,828,000 | $128,000 | $384,000 | $86,000 | $2,328,000 |
| Application Approved But Not Accepted | 115 | $14,503,000 | $126,000 | $565,000 | $82,000 | $500,000 |
| File Closed For Incompleteness | 40 | $5,885,000 | $147,000 | $617,000 | $87,000 | $428,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 127 | $9,074,000 | $71,000 | $322,000 | $50,000 | $1,000,000 |
| Credit History | 111 | $6,453,000 | $58,000 | $400,000 | $50,000 | $264,000 |
| Collateral | 100 | $14,448,000 | $144,000 | $600,000 | $90,000 | $456,000 |
| Other | 49 | $5,421,000 | $110,000 | $604,000 | $83,000 | $400,000 |
| Credit Application Incomplete | 28 | $3,697,000 | $132,000 | $360,000 | $97,000 | $323,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $1,938,000 | $121,000 | $280,000 | $46,000 | $95,000 |
| Unverifiable Information | 8 | $1,409,000 | $176,000 | $417,000 | $628,000 | $4,560,000 |
| Mortgage Insurance Denied | 3 | $327,000 | $109,000 | $148,000 | $59,000 | $63,000 |
| Employment History | 3 | $165,000 | $55,000 | $144,000 | $42,000 | $95,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.