In 2018, lenders reported 10,431 mortgage applications in Saratoga County, NY totaling $2.0 billion, up 18% from 2017. The average application was for $196,000, and applicants reported an average income of $112,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Trustco Bank, with 847 applications, followed by Homestead Funding Corp. and Broadview Federal Credit Union.
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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 | 10,431 |
| Total Mortgage Loan Application Amount | $2,045,725,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $27,405,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $4,656,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 4,907,575,000 | 847 | $ 169,585,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 683 | $ 160,285,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,555,097,000 | 560 | $ 41,750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 554 | $ 124,150,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 530 | $ 126,100,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 1,596,589,000 | 429 | $ 30,385,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 415 | $ 70,785,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 358 | $ 54,940,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 338 | $ 88,990,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 591,776,000 | 306 | $ 58,750,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 489,614,000 | 303 | $ 80,475,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 296 | $ 46,840,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,211,262,000 | 224 | $ 50,310,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 315,223,000 | 182 | $ 15,110,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 177 | $ 10,175,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,060,824,000 | 170 | $ 52,240,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 499,089,000 | 156 | $ 30,370,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 1,246,082,000 | 151 | $ 32,085,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 141 | $ 29,985,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 136 | $ 34,030,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,450,413,000 | 127 | $ 32,165,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 121 | $ 53,485,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 2,272,922,000 | 117 | $ 16,555,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 288,294,007,000 | 108 | $ 14,850,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 104 | $ 21,150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 95 | $ 21,145,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 87 | $ 20,375,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 250,849,000 | 83 | $ 10,225,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 80 | $ 4,460,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 73 | $ 4,165,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 72 | $ 13,990,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 70 | $ 16,480,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 67 | $ 13,675,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 67 | $ 15,305,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 200,670,000 | 67 | $ 5,155,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 66 | $ 15,360,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 62 | $ 14,410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 61 | $ 12,195,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 61 | $ 13,955,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 57 | $ 13,585,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 56 | $ 11,450,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 50 | $ 13,470,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 463,354,000 | 49 | $ 7,485,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 46 | $ 11,030,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 41 | $ 9,185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 41 | $ 9,545,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 41 | $ 2,055,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 40 | $ 7,680,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,528,145,000 | 37 | $ 8,465,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 36 | $ 6,620,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 35 | $ 1,485,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 33 | $ 2,235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 30 | $ 7,450,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 30 | $ 7,080,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 28 | $ 6,360,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 26 | $ 3,210,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 25 | $ 5,325,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 24 | $ 4,810,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 22 | $ 4,760,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,704,254,000 | 22 | $ 4,550,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 22 | $ 5,560,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 21 | $ 3,075,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 20 | $ 5,220,000 |
| Priority Funding, LLC 292 MAIN STREET, SUITE G1 NORTHBORO, MA 01532 |
* | $ -1,000 | 19 | $ 645,000 |
| The National Union Bank of Kinderhook 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 620,070,000 | 19 | $ 7,405,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 19 | $ 4,065,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 16 | $ 3,990,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 16 | $ 3,680,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 16 | $ 2,270,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 13,854,593,000 | 15 | $ 1,665,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 14 | $ 3,230,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 84,843,000 | 14 | $ 1,340,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 13 | $ 3,025,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 12 | $ 2,260,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 12 | $ 2,830,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 12 | $ 2,180,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 12 | $ 2,950,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 12 | $ 2,830,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 9 | $ 2,345,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 9 | $ 1,705,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 9 | $ 3,265,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 9 | $ 2,375,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 9 | $ 1,975,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 9 | $ 875,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 8 | $ 2,210,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 303,147,000 | 8 | $ 2,210,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 8 | $ 1,690,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 7 | $ 2,095,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 8,273,309,000 | 7 | $ 1,785,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 7 | $ 1,015,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 7 | $ 1,655,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 7 | $ 1,585,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 7 | $ 1,825,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 7 | $ 2,485,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 7 | $ 1,075,000 |
| School Systems 150 DEFREEST DRIVE TROY, NY 12180 |
* | $ 84,763,000 | 7 | $ 575,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 6 | $ 920,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 955,028,000 | 6 | $ 1,010,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 6 | $ 1,190,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 6 | $ 1,370,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 6 | $ 1,520,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 6 | $ 1,610,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 7,947,930,000 | 6 | $ 940,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 1,458,622,000 | 6 | $ 210,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 6 | $ 1,670,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 4,175,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,662,017,000 | 5 | $ 855,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 247,944,000 | 5 | $ 235,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 5 | $ 675,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 4,682,494,000 | 5 | $ 705,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 480,514,000 | 4 | $ 1,270,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 65,127,000,000 | 4 | $ 1,020,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 4 | $ 1,100,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 510,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 4 | $ 840,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,722,000 | 4 | $ 1,100,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 4 | $ 720,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 1,010,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 10,521,576,000 | 4 | $ 2,490,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,908,994,000 | 3 | $ 1,145,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 3 | $ 975,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 526,546,000 | 3 | $ 1,005,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 3 | $ 765,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 284,719,000 | 3 | $ 705,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,948,023,000 | 3 | $ 455,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,482,092,000 | 3 | $ 295,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 3 | $ 595,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 3 | $ 1,135,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 180,371,724,000 | 3 | $ 385,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,538,213,000 | 3 | $ 135,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 3 | $ 665,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 413,653,000 | 3 | $ 175,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 3 | $ 495,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 3 | $ 775,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 2 | $ 560,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 2 | $ 240,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 198,592,000,000 | 2 | $ 430,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 2 | $ 460,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 860,441,000 | 2 | $ 70,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 226,898,000 | 2 | $ 390,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 550,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 2 | $ 600,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 130,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 2 | $ 600,000 |
| Mortgage Unlimited, L.L.C. 222 OUTWATER LANE SUITE 4B GARFIELD, NJ 07026 |
* | $ -1,000 | 2 | $ 570,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 496,850,000 | 2 | $ 80,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 9,696,344,000 | 2 | $ 200,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 2 | $ 280,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 320,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,376,902,000 | 2 | $ 350,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 30,280,467,000 | 2 | $ 220,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 2 | $ 700,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 2 | $ 480,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 2 | $ 720,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 604,714,000 | 2 | $ 650,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 2 | $ 480,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 2 | $ 30,000 |
| Island Federal Credit Union 120 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 1,394,749,000 | 2 | $ 400,000 |
| Scient Federal Credit Union 60 COLVER AVENUE GROTON, CT 06340 |
* | $ 239,277,000 | 2 | $ 800,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 430,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 2 | $ 60,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 660,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 2 | $ 580,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 280,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 160,782,000 | 2 | $ 140,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 2 | $ 750,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 510,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 2 | $ 540,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 53,495,452,000 | 2 | $ 1,340,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 287,783,000 | 2 | $ 50,000 |
| Bank of Richmondville 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 141,978,000 | 1 | $ 95,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,074,487,000 | 1 | $ 35,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,510,197,000 | 1 | $ 305,000 |
| Welcome Federal Credit Union 10810 CHAPEL HILL ROAD MORRISVILLE, NC 27560 |
* | $ 85,139,000 | 1 | $ 225,000 |
| Arbor Realty Trust, Inc. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 1,385,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,222,453,000 | 1 | $ 335,000 |
| Texans Credit Union 777 E. CAMPBELL ROAD #300 RICHARDSON, TX 75081 |
* | $ 1,576,600,000 | 1 | $ 225,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 185,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 542,986,000 | 1 | $ 115,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 1 | $ 135,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 65,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 135,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| Kearny Bank 120 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ 4,824,309,000 | 1 | $ 15,825,000 |
| Rondout Savings Bank 300 BROADWAY KINGSTON, NY 12401 |
* | $ 351,051,000 | 1 | $ 215,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ -1,000 | 1 | $ 8,075,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 265,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 315,000 |
| American Broadcast Employees FCU 7-11 FRONT STREET ROCKVILLE CENTRE, NY 11570 |
* | $ 109,329,000 | 1 | $ 115,000 |
| Atlantic Home Loans, Inc. 50 ROUTE 46 PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 295,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 1 | $ 285,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 1,292,216,000 | 1 | $ 265,000 |
| Popular Bank 9600 WEST BRYN MAWR NEW YORK, NY 10004 |
* | $ 9,168,165,000 | 1 | $ 2,065,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 456,898,000 | 1 | $ 255,000 |
| Protective Life and Annuity Insurance Company 2801 HIGHWAY 280 SOUTH BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 4,505,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 15,286,549,000 | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 155,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 355,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 265,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 155,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 417,436,000 | 1 | $ 265,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 115,000 |
| Mill City Credit Union 10653 WAYZATA BLVD MINNETONKA, MN 55305 |
* | $ 335,597,000 | 1 | $ 45,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 315,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 225,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 85,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,897,908,000 | 1 | $ 265,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 47,934,212,000 | 1 | $ 255,000 |
| Chelsea Groton Bank 1 FRANKLIN SQ GROTON, CT 06340 |
* | $ 1,074,599,000 | 1 | $ 465,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 508,352,000 | 1 | $ 265,000 |
| Bank of Whittier, NA 15141 E WHITTIER BLVD WHITTIER, CA 90603 |
* | $ 55,958,000 | 1 | $ 455,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,835,749,000 | 1 | $ 45,000 |
| Ithink Financial Credit Union 1000 NW 17TH AVENUE DELRAY BEACH, FL 33445 |
* | $ 1,079,137,000 | 1 | $ 235,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 1 | $ 25,000 |
| Residential Home Mortgage Corporation 53 FRONTAGE ROAD, SUITE 200 HAMPTON, NJ 08827 |
* | $ -1,000 | 1 | $ 185,000 |
| Teg Federal Credit Union 1 COMMERCE ST. POUGHKEEPSIE, NY 12603 |
* | $ 274,627,000 | 1 | $ 165,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 195,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 225,000 |
| Oceanfirst Bank 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ 5,414,702,000 | 1 | $ 165,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,343,220,000 | 1 | $ 165,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,377,846,000 | 1 | $ 55,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ -1,000 | 1 | $ 165,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 23,965,254,000 | 1 | $ 115,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 215,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 932,144,000 | 1 | $ 275,000 |
| Wall Street Mortgage Bankers, Ltd. dba Power Expre 1010 NORTHERN BLVD., SUITE 336 GREAT NECK, NY 11021 |
* | $ -1,000 | 1 | $ 405,000 |
| Lafayette Federal Credit Union 2701 TOWER OAKS BLVD., ROCKVILLE, MD 20852 |
* | $ 516,891,000 | 1 | $ 185,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 265,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,069,790,000 | 1 | $ 295,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 44,197,959,000 | 1 | $ 505,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 389,505,000 | 1 | $ 205,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,189,607,000 | 1 | $ 65,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 245,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ 1,057,662,000 | 1 | $ 355,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 5,405,278,000 | 1 | $ 255,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 376,552,000 | 1 | $ 265,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 786,256,000 | 1 | $ 205,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 26,487,930,000 | 1 | $ 255,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 195,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 225,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 841,261,000 | 1 | $ 135,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,964,992,000 | 1 | $ 25,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 215,000 |
| Mountainone Bank 93 MAIN STREET NORTH ADAMS, MA 01247 |
* | $ 907,775,000 | 1 | $ 435,000 |
The tables below break down 2018 mortgage applications in Saratoga County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 5,227 | $1,285,295,000 | $245,000 | $15,825,000 | $112,000 | $4,656,000 |
| Cash-out Refinancing | 1,565 | $292,425,000 | $186,000 | $1,385,000 | $107,000 | $2,396,000 |
| Refinancing | 1,338 | $279,760,000 | $209,000 | $27,405,000 | $109,000 | $1,195,000 |
| Home Improvement | 1,220 | $84,360,000 | $69,000 | $845,000 | $119,000 | $1,750,000 |
| Other Purpose | 963 | $84,065,000 | $87,000 | $755,000 | $114,000 | $984,000 |
| Not Applicable | 118 | $19,820,000 | $167,000 | $655,000 | $91,000 | $147,000 |
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 | 8,219 | $1,483,805,000 | $180,000 | $2,065,000 | $112,000 | $4,656,000 |
| Not Provided | 1,168 | $224,770,000 | $192,000 | $1,355,000 | $109,000 | $1,015,000 |
| Not applicable | 468 | $211,050,000 | $450,000 | $27,405,000 | $97,000 | $281,000 |
| Asian | 262 | $63,800,000 | $243,000 | $565,000 | $117,000 | $409,000 |
| Hispanic | 176 | $33,450,000 | $190,000 | $845,000 | $114,000 | $507,000 |
| Black or African American | 87 | $19,385,000 | $222,000 | $855,000 | $122,000 | $594,000 |
| American Indian or Alaskan Native | 17 | $2,835,000 | $166,000 | $415,000 | $84,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $485,000 | $97,000 | $185,000 | $89,000 | $144,000 |
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) | 8,679 | $1,665,855,000 | $191,000 | $27,405,000 | $118,000 | $4,656,000 |
| FHA-insured (Federal Housing Administration) | 1,063 | $208,045,000 | $195,000 | $595,000 | $73,000 | $428,000 |
| VA-guaranteed (Veterans Administration) | 554 | $146,830,000 | $265,000 | $575,000 | $90,000 | $368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 135 | $24,995,000 | $185,000 | $355,000 | $67,000 | $126,000 |
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 | 6,298 | $1,311,170,000 | $208,000 | $27,405,000 | $118,000 | $2,396,000 |
| Application Denied By Financial Institution | 1,548 | $195,040,000 | $125,000 | $3,435,000 | $94,000 | $4,656,000 |
| Loan Purchased By The Institution | 1,056 | $245,610,000 | $232,000 | $1,315,000 | $102,000 | $1,882,000 |
| Application Withdrawn By Applicant | 888 | $187,830,000 | $211,000 | $1,075,000 | $113,000 | $1,750,000 |
| Application Approved But Not Accepted | 385 | $62,315,000 | $161,000 | $795,000 | $110,000 | $1,195,000 |
| File Closed For Incompleteness | 254 | $43,160,000 | $169,000 | $805,000 | $98,000 | $618,000 |
| Preapproval Approved but not Accepted | 1 | $455,000 | $455,000 | $455,000 | $138,000 | $138,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $35,000 | $35,000 |
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 | 8,607 | $1,779,165,000 | $206,000 | $27,405,000 | $114,000 | $2,396,000 |
| Debt-To-Income Ratio | 821 | $144,905,000 | $176,000 | $15,825,000 | $97,000 | $4,656,000 |
| Credit History | 412 | $39,880,000 | $96,000 | $555,000 | $93,000 | $2,772,000 |
| Collateral | 287 | $36,105,000 | $125,000 | $1,335,000 | $121,000 | $1,227,000 |
| Other | 120 | $14,720,000 | $122,000 | $505,000 | $104,000 | $786,000 |
| Credit Application Incomplete | 109 | $22,165,000 | $203,000 | $1,165,000 | $122,000 | $1,951,000 |
| Unverifiable Information | 35 | $4,225,000 | $120,000 | $395,000 | $107,000 | $439,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $2,940,000 | $147,000 | $385,000 | $60,000 | $119,000 |
| Employment History | 19 | $1,485,000 | $78,000 | $325,000 | $60,000 | $146,000 |
| Mortgage Insurance Denied | 1 | $135,000 | $135,000 | $135,000 | $75,000 | $75,000 |
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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