Otsego County, NY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,772 mortgage applications in Otsego County, NY totaling $303.8 million, down 26% from 2021. The average application was for $171,000, and applicants reported an average income of $109,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was Community Bank, N.A., with 253 applications, followed by Nbt Bank NA and Plaza Home Mortgage, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,772 |
| Total Mortgage Loan Application Amount | $303,810,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $3,465,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $3,180,000 |
* 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 |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 253 | $ 36,045,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,919,970,000 | 144 | $ 16,440,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 119 | $ 24,925,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 2,069,453,000 | 68 | $ 13,730,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 67 | $ 10,325,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 62 | $ 12,170,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 47 | $ 6,365,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 45 | $ 10,085,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 45 | $ 7,665,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 37 | $ 8,275,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 35 | $ 4,285,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 23 | $ 4,595,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 22 | $ 3,380,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 22 | $ 3,010,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 466,805,000 | 20 | $ 5,630,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 20 | $ 2,990,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 19 | $ 1,705,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 18 | $ 1,870,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 18 | $ 4,250,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 17 | $ 3,125,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 16 | $ 3,540,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 805,603,000 | 15 | $ 1,365,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,621,672,000 | 15 | $ 2,265,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 14 | $ 3,110,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 14 | $ 2,700,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 13 | $ 4,255,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 13 | $ 2,985,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 12 | $ 1,560,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 11 | $ 1,095,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,541,059,000 | 11 | $ 1,765,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 11 | $ 1,505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,615,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,580,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 10 | $ 2,190,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 2,160,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 10 | $ 2,400,000 |
| Bank of Richmondville 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 178,900,000 | 9 | $ 1,005,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 2,215,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,125,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 9 | $ 1,295,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 8 | $ 1,900,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 8 | $ 2,610,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 224,015,000 | 8 | $ 610,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 7 | $ 895,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,565,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 7 | $ 2,135,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 6 | $ 1,410,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 560,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 442,840,000 | 6 | $ 680,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,008,821,000 | 6 | $ 640,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 1,075,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 5 | $ 985,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 1,275,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 5 | $ 1,115,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,548,730,000 | 5 | $ 1,295,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 755,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 895,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 1,065,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 750,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 4 | $ 820,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 660,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 4 | $ 310,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 4 | $ 400,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 530,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 3,961,334,000 | 4 | $ 1,060,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 4 | $ 1,000,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 465,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 427,771,000 | 3 | $ 285,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 2,780,799,000 | 3 | $ 215,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 3 | $ 515,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 3 | $ 1,655,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 125,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 3 | $ 505,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 3 | $ 145,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 3 | $ 825,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 3 | $ 365,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 355,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 14,047,081,000 | 3 | $ 415,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 380,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ -1,000 | 2 | $ 370,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 2 | $ 230,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 450,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 2 | $ 400,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 340,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 2 | $ 620,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 101,845,032,000 | 2 | $ 610,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 2 | $ 360,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,886,658,000 | 2 | $ 530,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 2 | $ 1,170,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,466,636,000 | 2 | $ 200,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 130,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 2 | $ 470,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 58,343,490,000 | 2 | $ 530,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 510,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 510,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 2 | $ 400,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 34,893,033,000 | 2 | $ 170,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,626,303,000 | 2 | $ 300,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,136,862,000 | 2 | $ 310,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 230,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ -1,000 | 2 | $ 690,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 2 | $ 240,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 45,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 1 | $ 105,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 115,000 |
| Ark Mortgage, Inc. 400 RELLA BLVD SUITE 300 MONTEBELLO, NY 10901 |
* | $ -1,000 | 1 | $ 225,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,582,859,000 | 1 | $ 275,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ -1,000 | 1 | $ 175,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 703,311,000 | 1 | $ 25,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 1 | $ 335,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 936,708,000 | 1 | $ 135,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 185,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 681,104,000 | 1 | $ 35,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 958,373,000 | 1 | $ 245,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 637,085,000 | 1 | $ 55,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,281,203,000 | 1 | $ 205,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 187,956,756,000 | 1 | $ 405,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 285,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 435,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 1 | $ 515,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 185,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 145,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 285,000 |
| Operating Engineers Federal Credit Union 250 N CANYONS PARKWAY LIVERMORE, CA 94551 |
* | $ 1,438,290,000 | 1 | $ 385,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 548,737,000 | 1 | $ 185,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 175,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 1,487,525,000 | 1 | $ 275,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 105,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ 619,894,000 | 1 | $ 25,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 979,606,000 | 1 | $ 235,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ 1,214,719,000 | 1 | $ 125,000 |
| Members Mortgage Company Inc 90 MAPLE STREET STONEHAM, MA 02180 |
* | $ -1,000 | 1 | $ 265,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 225,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 345,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 121,064,212,000 | 1 | $ 695,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ -1,000 | 1 | $ 365,000 |
| Habib American Bank 99 MADISON AVENUE NEW YORK, NY 10017 |
* | $ 1,942,111,000 | 1 | $ 355,000 |
| Jeff Bank 4866 STATE ROUTE 52 JEFFERSONVILLE, NY 12748 |
* | $ 692,752,000 | 1 | $ 145,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 145,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 3,111,820,000 | 1 | $ 125,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 145,000 |
| Colorado Federal Savings Bank 8400 E PRENTICE AVE STE 840 ENGLEWOOD, CO 80111 |
* | $ 2,085,239,000 | 1 | $ 305,000 |
| Access Federal Credit Union 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 249,397,000 | 1 | $ 55,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 75,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 125,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 167,115,000 | 1 | $ 125,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ 2,374,880,000 | 1 | $ 225,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 135,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 515,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 370,967,000 | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 345,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 305,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 1 | $ 375,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 155,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 165,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 477,210,000 | 1 | $ 325,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,025,737,000 | 1 | $ 75,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 765,893,000 | 1 | $ 45,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 1 | $ 325,000 |
The tables below break down 2022 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 2022
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 | 985 | $197,615,000 | $200,000 | $2,485,000 | $122,000 | $3,180,000 |
| Refinancing | 242 | $37,900,000 | $156,000 | $3,465,000 | $96,000 | $600,000 |
| Cash-out Refinancing | 238 | $41,250,000 | $173,000 | $645,000 | $88,000 | $351,000 |
| Home Improvement | 175 | $14,085,000 | $80,000 | $525,000 | $99,000 | $527,000 |
| Other Purpose | 122 | $12,150,000 | $99,000 | $1,125,000 | $92,000 | $509,000 |
| Not Applicable | 10 | $810,000 | $81,000 | $195,000 | $65,000 | $89,000 |
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 | 1,348 | $218,140,000 | $161,000 | $1,065,000 | $105,000 | $3,180,000 |
| Not Provided | 220 | $39,870,000 | $181,000 | $1,125,000 | $115,000 | $585,000 |
| Not applicable | 93 | $23,415,000 | $251,000 | $3,465,000 | $99,000 | $227,000 |
| Hispanic | 38 | $6,650,000 | $175,000 | $405,000 | $110,000 | $239,000 |
| Black or African American | 28 | $5,620,000 | $200,000 | $865,000 | $85,000 | $318,000 |
| Asian | 26 | $6,580,000 | $253,000 | $445,000 | $188,000 | $500,000 |
| American Indian or Alaskan Native | 9 | $1,615,000 | $179,000 | $565,000 | $128,000 | $238,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,467 | $247,335,000 | $168,000 | $3,465,000 | $115,000 | $3,180,000 |
| FHA-insured (Federal Housing Administration) | 227 | $39,095,000 | $172,000 | $425,000 | $74,000 | $375,000 |
| VA-guaranteed (Veterans Administration) | 59 | $14,655,000 | $248,000 | $865,000 | $88,000 | $464,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,725,000 | $143,000 | $325,000 | $61,000 | $100,000 |
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 | 1,003 | $179,595,000 | $179,000 | $3,465,000 | $110,000 | $755,000 |
| Application Denied By Financial Institution | 321 | $44,645,000 | $139,000 | $865,000 | $81,000 | $450,000 |
| Application Withdrawn By Applicant | 176 | $32,500,000 | $184,000 | $645,000 | $153,000 | $3,180,000 |
| Loan Purchased By The Institution | 118 | $22,870,000 | $193,000 | $605,000 | $108,000 | $456,000 |
| Application Approved But Not Accepted | 73 | $12,105,000 | $165,000 | $465,000 | $95,000 | $279,000 |
| File Closed For Incompleteness | 72 | $10,710,000 | $148,000 | $605,000 | $134,000 | $2,699,000 |
| Preapproval Approved but not Accepted | 9 | $1,385,000 | $153,000 | $235,000 | $86,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,390 | $246,160,000 | $177,000 | $3,465,000 | $114,000 | $3,180,000 |
| Debt-To-Income Ratio | 167 | $27,415,000 | $164,000 | $2,485,000 | $101,000 | $1,364,000 |
| Collateral | 77 | $11,965,000 | $155,000 | $865,000 | $92,000 | $450,000 |
| Credit History | 67 | $7,085,000 | $105,000 | $325,000 | $69,000 | $244,000 |
| Other | 28 | $4,530,000 | $161,000 | $405,000 | $104,000 | $312,000 |
| Credit Application Incomplete | 22 | $3,170,000 | $144,000 | $315,000 | $100,000 | $351,000 |
| Employment History | 9 | $1,375,000 | $152,000 | $315,000 | $54,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,655,000 | $183,000 | $365,000 | $134,000 | $360,000 |
| Unverifiable Information | 3 | $455,000 | $151,000 | $225,000 | $50,000 | $81,000 |
| 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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