Saratoga County, NY Mortgage Lenders & HMDA Data, 2022

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 Company List for Lending in Saratoga County, NY for 2022

* 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
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.

Mortgage Loan Application Detail Totals for Saratoga 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 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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