In 2022, lenders reported 11,126 mortgage applications in Saratoga County, NY totaling $3.0 billion, down 29% from 2021. The average application was for $268,000, and applicants reported an average income of $131,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was Broadview Federal Credit Union, with 1,049 applications, followed by Trustco Bank and Homestead Funding Corp..
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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 | 11,126 |
| Total Mortgage Loan Application Amount | $2,983,740,000 |
| Average Mortgage Loan Application Amount | $268,000 |
| Highest Mortgage Loan Application Amount | $49,555,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $3,240,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 1,049 | $ 94,795,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 6,196,275,000 | 701 | $ 154,085,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 663 | $ 200,535,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 574 | $ 178,980,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 450 | $ 76,410,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,008,821,000 | 443 | $ 82,315,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 857,146,000 | 366 | $ 154,870,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 2,780,799,000 | 345 | $ 34,215,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 344 | $ 107,090,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 291 | $ 68,795,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 261 | $ 80,215,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 224 | $ 71,170,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,698,702,000 | 218 | $ 134,330,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 211 | $ 41,935,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 442,840,000 | 207 | $ 25,125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 193 | $ 15,525,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 187 | $ 53,955,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 171 | $ 44,295,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 3,170,096,000 | 154 | $ 31,690,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 1,842,464,000 | 148 | $ 45,190,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 141 | $ 10,995,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 140 | $ 12,110,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 765,893,000 | 137 | $ 68,525,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 126 | $ 63,020,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 118 | $ 30,130,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 110 | $ 29,780,000 |
| Catskill Hudson Bank 101 KINGS MALL CT KINGSTON, NY 12401 |
* | $ -1,000 | 107 | $ 41,865,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,919,970,000 | 106 | $ 50,870,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 97 | $ 28,455,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 328,733,000 | 96 | $ 14,950,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 284,739,000 | 92 | $ 11,850,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 91 | $ 7,905,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 88 | $ 26,010,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 86 | $ 22,210,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 81 | $ 27,215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 79 | $ 20,015,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 71 | $ 23,275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 69 | $ 20,835,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 64 | $ 19,310,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 62 | $ 18,610,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,413,407,000 | 60 | $ 59,640,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 60 | $ 18,910,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 56 | $ 10,990,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 55 | $ 15,665,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 54 | $ 13,860,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 670,378,000 | 46 | $ 13,370,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 43 | $ 10,915,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 40 | $ 11,140,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 39 | $ 8,515,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 466,805,000 | 38 | $ 10,660,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 33 | $ 6,185,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 33 | $ 2,695,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 32 | $ 6,790,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 31 | $ 9,495,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 31 | $ 9,665,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 28 | $ 3,640,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 26 | $ 7,000,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 24 | $ 7,320,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 24 | $ 7,820,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 24 | $ 6,730,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 22 | $ 9,560,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 21 | $ 5,285,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 20 | $ 5,470,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 19 | $ 4,525,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 19 | $ 3,055,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 19 | $ 5,235,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 17 | $ 5,215,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 16 | $ 3,880,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,548,730,000 | 15 | $ 2,555,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,466,636,000 | 15 | $ 2,945,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 14 | $ 4,160,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,259,576,000 | 14 | $ 800,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 107,692,000 | 13 | $ 1,695,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 13 | $ 1,555,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 13 | $ 3,515,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 681,104,000 | 13 | $ 805,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 13 | $ 3,995,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 12 | $ 1,830,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 11 | $ 3,735,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 11 | $ 3,425,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 10 | $ 1,840,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 10 | $ 3,380,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,886,658,000 | 10 | $ 3,010,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 10 | $ 3,490,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 10 | $ 2,250,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 9 | $ 2,415,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 8 | $ 830,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 8 | $ 4,730,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 8 | $ 1,770,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 1,040,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 590,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 8 | $ 890,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 2,385,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 2,565,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ 619,894,000 | 7 | $ 605,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 7 | $ 2,205,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ 2,340,211,000 | 6 | $ 5,340,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 6 | $ 2,640,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 6 | $ 2,050,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 6 | $ 2,050,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 14,047,081,000 | 6 | $ 1,490,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 420,502,000,000 | 5 | $ 2,735,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 93,227,302,000 | 5 | $ 2,935,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 5 | $ 1,595,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,605,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 975,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 5 | $ 1,665,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 181,087,209,000 | 5 | $ 2,515,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 5 | $ 1,705,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 1,435,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 5 | $ 1,005,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 5 | $ 905,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 5 | $ 1,295,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 161,574,000 | 5 | $ 355,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,281,203,000 | 4 | $ 830,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 4 | $ 760,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 4 | $ 1,190,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 101,845,032,000 | 4 | $ 800,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 1,170,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 4 | $ 2,010,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 4 | $ 880,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 4 | $ 750,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 4 | $ 1,340,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 4 | $ 1,410,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 1,200,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,151,137,000 | 3 | $ 1,285,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 1,075,788,000 | 3 | $ 1,035,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 1,135,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 3 | $ 915,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,136,862,000 | 3 | $ 225,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 925,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 3 | $ 1,285,000 |
| Uif Corporation 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ -1,000 | 3 | $ 1,055,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 3 | $ 315,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 3 | $ 1,885,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 3 | $ 125,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 3,111,820,000 | 3 | $ 845,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,206,869,000 | 3 | $ 835,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 187,956,756,000 | 3 | $ 985,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 3 | $ 745,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 3 | $ 2,665,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 470,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 2 | $ 1,100,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,341,481,000 | 2 | $ 660,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,025,737,000 | 2 | $ 170,000 |
| Trademark FCU 44 EDISON DRIVE AUGUSTA, ME 04330 |
* | $ 115,790,000 | 2 | $ 30,000 |
| Ark Mortgage, Inc. 400 RELLA BLVD SUITE 300 MONTEBELLO, NY 10901 |
* | $ -1,000 | 2 | $ 550,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 2 | $ 660,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 2 | $ 810,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 2 | $ 590,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 2 | $ 330,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 34,893,033,000 | 2 | $ 1,190,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ -1,000 | 2 | $ 1,360,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 630,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 430,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ 1,214,719,000 | 2 | $ 90,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,415,583,000 | 2 | $ 120,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 810,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,759,374,000 | 2 | $ 460,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 33,980,000,000 | 2 | $ 2,110,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ -1,000 | 2 | $ 410,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 215,022,000 | 2 | $ 150,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 936,708,000 | 2 | $ 170,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,541,059,000 | 2 | $ 350,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 703,311,000 | 2 | $ 200,000 |
| Royal Business Bank 660 S. FIGUEROA ST. SUITE 1888 LOS ANGELES, CA 90017 |
* | $ 4,222,510,000 | 2 | $ 520,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,626,303,000 | 2 | $ 330,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 2 | $ 830,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 434,075,000,000 | 2 | $ 2,780,000 |
| Peapack Private Bank & Trust 500 HILLS DRIVE BEDMINSTER, NJ 07921 |
* | $ 6,077,480,000 | 1 | $ 205,000 |
| Silver Hill Funding 4425 PONCE DE LEON BLVD CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 595,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 315,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 415,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 1 | $ 265,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ -1,000 | 1 | $ 305,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 15,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 5,481,889,000 | 1 | $ 49,555,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,000,309,000 | 1 | $ 315,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 265,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 1 | $ 75,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ -1,000 | 1 | $ 125,000 |
| Investors Bank 101 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 27,781,823,000 | 1 | $ 465,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 3,961,334,000 | 1 | $ 345,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 958,373,000 | 1 | $ 365,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 265,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 435,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 805,603,000 | 1 | $ 435,000 |
| Westfield Bank 141 ELM ST WESTFIELD, MA 01085 |
* | $ 2,532,479,000 | 1 | $ 205,000 |
| Jll Real Estate Capital, LLC 2177 YOUNGMAN AVE W SUITE 300 ST. PAUL, MN 55116 |
* | $ -1,000 | 1 | $ 47,025,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,423,533,000 | 1 | $ 385,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 315,000 |
| Quik Fund, Inc. 900 STEWART AVE SUITE 240 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 305,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ -1,000 | 1 | $ 9,085,000 |
| Oceanfirst Bank 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ 11,648,010,000 | 1 | $ 295,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 415,000 |
| First Oklahoma Mortgage, LLC 100 S RIVERFRONT DR JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 365,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 38,107,223,000 | 1 | $ 505,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 43,315,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 515,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 58,343,490,000 | 1 | $ 375,000 |
| Fncb Bank 102 E DRINKER STREET DUNMORE, PA 18512 |
* | $ 1,657,985,000 | 1 | $ 15,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 897,680,000 | 1 | $ 265,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 115,000 |
| Grandbridge Real Estate Capital LLC 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ -1,000 | 1 | $ 6,605,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 121,064,212,000 | 1 | $ 675,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 315,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 105,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,287,872,000 | 1 | $ 75,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 586,580,000 | 1 | $ 55,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 2,161,196,000 | 1 | $ 565,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 1 | $ 185,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 4,183,621,000 | 1 | $ 305,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 395,000 |
| New Millennium Bank 1620 LEMOINE AVE FORT LEE, NJ 07024 |
* | $ 540,808,000 | 1 | $ 265,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 265,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 456,071,000 | 1 | $ 405,000 |
| Rondout Savings Bank 300 BROADWAY KINGSTON, NY 12401 |
* | $ 467,319,000 | 1 | $ 365,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 265,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 275,000 |
| Suma Federal Credit Union 125 CORPORATE BLVD YONKERS, NY 10701 |
* | $ 413,133,000 | 1 | $ 155,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 195,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 345,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 1 | $ 405,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,606,175,000 | 1 | $ 905,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 1 | $ 595,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ -1,000 | 1 | $ 8,415,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 43,424,817,000 | 1 | $ 245,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 545,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 672,704,000 | 1 | $ 45,000 |
| National Cooperative Bank, N.A. 139 SOUTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 3,166,603,000 | 1 | $ 175,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,351,512,000 | 1 | $ 285,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 562,307,000 | 1 | $ 75,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,582,859,000 | 1 | $ 365,000 |
| Connectone Bank 301 SYLVAN AVENUE ENGLEWOOD CLIFFS, NJ 07632 |
* | $ 8,128,599,000 | 1 | $ 395,000 |
| Bayfirst Financial 9190 SEMINOLE BLVD SAINT PETERSBURG, FL 33701 |
* | $ 917,272,000 | 1 | $ 225,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 245,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,281,614,000 | 1 | $ 15,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 378,454,000 | 1 | $ 55,000 |
| Silicon Valley Bank 3003 TASMAN DRIVE SANTA CLARA, CA 95054 |
* | $ 208,581,000,000 | 1 | $ 1,145,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 1 | $ 165,000 |
| Millenium Home Mortgage 40 BALDWIN ROAD PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 215,000 |
| Lument Structured Finance LLC 10 W BROAD ST 8TH FLOOR COLUMBUS, OH 43215 |
* | $ -1,000 | 1 | $ 19,875,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 411,380,000 | 1 | $ 645,000 |
| Greenway Mortgage Funding Corp. 107 TINDALL ROAD MIDDLETOWN, NJ 07748 |
* | $ -1,000 | 1 | $ 335,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 15,019,689,000 | 1 | $ 415,000 |
The tables below break down 2022 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 | 5,248 | $1,848,490,000 | $352,000 | $49,555,000 | $137,000 | $2,862,000 |
| Cash-out Refinancing | 1,876 | $451,030,000 | $240,000 | $7,005,000 | $116,000 | $948,000 |
| Home Improvement | 1,787 | $168,925,000 | $94,000 | $14,505,000 | $134,000 | $1,500,000 |
| Refinancing | 1,250 | $407,090,000 | $325,000 | $43,315,000 | $129,000 | $3,240,000 |
| Other Purpose | 926 | $102,450,000 | $110,000 | $4,005,000 | $133,000 | $1,090,000 |
| Not Applicable | 39 | $5,755,000 | $147,000 | $285,000 | $0 | $0 |
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 | 8,262 | $1,793,670,000 | $217,000 | $3,935,000 | $129,000 | $3,240,000 |
| Not Provided | 1,478 | $392,070,000 | $265,000 | $1,845,000 | $140,000 | $2,862,000 |
| Not applicable | 620 | $598,950,000 | $966,000 | $49,555,000 | $155,000 | $1,090,000 |
| Asian | 314 | $98,640,000 | $314,000 | $855,000 | $142,000 | $948,000 |
| Hispanic | 211 | $43,855,000 | $207,000 | $955,000 | $120,000 | $860,000 |
| Black or African American | 154 | $37,790,000 | $245,000 | $1,025,000 | $132,000 | $560,000 |
| American Indian or Alaskan Native | 33 | $4,915,000 | $148,000 | $505,000 | $117,000 | $313,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $950,000 | $158,000 | $285,000 | $71,000 | $141,000 |
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) | 9,791 | $2,621,815,000 | $267,000 | $49,555,000 | $136,000 | $3,240,000 |
| FHA-insured (Federal Housing Administration) | 793 | $194,115,000 | $244,000 | $535,000 | $84,000 | $266,000 |
| VA-guaranteed (Veterans Administration) | 511 | $160,885,000 | $314,000 | $1,095,000 | $104,000 | $802,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $6,925,000 | $223,000 | $315,000 | $76,000 | $96,000 |
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 | 6,849 | $2,027,575,000 | $296,000 | $49,555,000 | $138,000 | $2,862,000 |
| Application Denied By Financial Institution | 1,510 | $254,050,000 | $168,000 | $19,875,000 | $97,000 | $1,500,000 |
| Application Withdrawn By Applicant | 1,301 | $337,835,000 | $259,000 | $1,805,000 | $139,000 | $2,500,000 |
| Loan Purchased By The Institution | 749 | $221,385,000 | $295,000 | $1,355,000 | $132,000 | $1,090,000 |
| File Closed For Incompleteness | 368 | $62,690,000 | $170,000 | $1,005,000 | $128,000 | $3,240,000 |
| Application Approved But Not Accepted | 335 | $77,485,000 | $231,000 | $1,445,000 | $121,000 | $771,000 |
| Preapproval Approved but not Accepted | 12 | $2,230,000 | $185,000 | $485,000 | $114,000 | $400,000 |
| Preapproval Denied by Financial Institution | 2 | $490,000 | $245,000 | $255,000 | $113,000 | $162,000 |
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 | 9,201 | $2,477,565,000 | $269,000 | $49,555,000 | $136,000 | $3,240,000 |
| Debt-To-Income Ratio | 929 | $337,665,000 | $363,000 | $43,315,000 | $107,000 | $2,200,000 |
| Credit History | 460 | $54,020,000 | $117,000 | $1,175,000 | $95,000 | $750,000 |
| Collateral | 226 | $33,220,000 | $146,000 | $715,000 | $137,000 | $1,020,000 |
| Other | 143 | $43,515,000 | $304,000 | $19,875,000 | $123,000 | $1,500,000 |
| Credit Application Incomplete | 98 | $23,750,000 | $242,000 | $1,205,000 | $118,000 | $578,000 |
| Unverifiable Information | 25 | $5,715,000 | $228,000 | $565,000 | $116,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $5,220,000 | $217,000 | $645,000 | $102,000 | $206,000 |
| Employment History | 19 | $2,875,000 | $151,000 | $275,000 | $73,000 | $500,000 |
| Mortgage Insurance Denied | 1 | $195,000 | $195,000 | $195,000 | $64,000 | $64,000 |
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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