Saratoga County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 8,011 mortgage applications in Saratoga County, NY totaling $1.9 billion, down 28% from 2022. The average application was for $232,000, and applicants reported an average income of $145,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Broadview Federal Credit Union, with 1,132 applications, followed by Sefcu Services, LLC and Trustco Bank.
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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 | 8,011 |
| Total Mortgage Loan Application Amount | $1,866,515,000 |
| Average Mortgage Loan Application Amount | $232,000 |
| Highest Mortgage Loan Application Amount | $19,505,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $3,717,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 7,999,108,000 | 1,132 | $ 99,990,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 642 | $ 229,440,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 5,999,551,000 | 461 | $ 85,405,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 384 | $ 122,260,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 895,584,000 | 319 | $ 120,925,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 298 | $ 47,450,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,121,757,000 | 280 | $ 40,350,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 1,834,148,000 | 268 | $ 70,520,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 201 | $ 63,385,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 198 | $ 18,020,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,640,057,000 | 195 | $ 56,605,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 186 | $ 16,770,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 154 | $ 14,280,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 151 | $ 25,825,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 148 | $ 28,390,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 753,438,000 | 129 | $ 44,265,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 453,220,000 | 127 | $ 18,685,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 119 | $ 31,595,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 3,125,180,000 | 115 | $ 25,145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 111 | $ 11,595,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 110 | $ 23,120,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 103 | $ 21,015,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 90 | $ 31,230,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,659,908,000 | 89 | $ 27,465,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 78 | $ 25,410,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 77 | $ 22,785,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 73 | $ 22,455,000 |
| Catskill Hudson Bank 101 KINGS MALL CT KINGSTON, NY 12401 |
* | $ 576,539,000 | 69 | $ 31,105,000 |
| Saratoga's Community Federal Credit Union 189 BALLSTON AVE SARATOGA SPRINGS, NY 12866 |
* | $ 58,887,000 | 67 | $ 6,695,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 64 | $ 20,210,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 329,430,000 | 64 | $ 8,560,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 56 | $ 19,240,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 56 | $ 18,620,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 52 | $ 9,740,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 1,747,013,000 | 50 | $ 15,910,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 44 | $ 29,610,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 43 | $ 12,115,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 295,788,000 | 43 | $ 3,455,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 41 | $ 11,015,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 669,571,000 | 39 | $ 8,945,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 38 | $ 14,320,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 35 | $ 7,535,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,641,568,000 | 32 | $ 51,320,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 31 | $ 11,015,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 29 | $ 8,115,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 29 | $ 2,385,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 23 | $ 2,155,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 22 | $ 3,470,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 21 | $ 5,425,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 506,511,000 | 21 | $ 5,045,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 21 | $ 4,395,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 792,493,000 | 20 | $ 1,120,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 20 | $ 8,520,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 19 | $ 4,435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 18 | $ 4,970,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 18 | $ 5,800,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,656,860,000 | 17 | $ 4,755,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 17 | $ 4,985,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 16 | $ 4,680,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 15 | $ 1,565,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,691,880,000 | 13 | $ 2,785,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 13 | $ 2,065,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 13 | $ 4,725,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 12 | $ 4,940,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 12 | $ 2,720,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 11 | $ 3,835,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 114,308,000 | 11 | $ 795,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 10 | $ 2,560,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 9 | $ 2,395,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 9 | $ 2,555,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 9 | $ 3,345,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 8 | $ 1,970,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 8 | $ 2,260,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 3,193,673,000 | 8 | $ 1,560,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 8 | $ 1,880,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 8 | $ 2,630,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 8 | $ 4,750,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 7 | $ 2,455,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 7 | $ 1,865,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 7 | $ 2,385,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ 687,853,000 | 7 | $ 355,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 11,281,243,000 | 6 | $ 2,780,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 6 | $ 1,610,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 5 | $ 2,615,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 1,445,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 825,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 5 | $ 1,125,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 5 | $ 2,215,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 5 | $ 1,165,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 4 | $ 1,440,000 |
| Uif Corporation 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ -1,000 | 4 | $ 1,750,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 4 | $ 1,200,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 4 | $ 1,120,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 1,350,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 3 | $ 835,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 1,025,000 |
| Nextstep FCU 150 DEFREEST DRIVE TROY, NY 12180 |
* | $ 120,400,000 | 3 | $ 345,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 1,195,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 2,875,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 1,115,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 1,247,761,000 | 3 | $ 1,265,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 3 | $ 845,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,753,561,000 | 3 | $ 945,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 3 | $ 1,515,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 170,957,000 | 3 | $ 245,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 3 | $ 1,125,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 3 | $ 925,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,820,893,000 | 3 | $ 175,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 4,230,638,000 | 3 | $ 445,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 795,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 3 | $ 775,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 3 | $ 425,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 2 | $ 900,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 162,436,537,000 | 2 | $ 710,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 2 | $ 260,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 2 | $ 410,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,817,155,000 | 2 | $ 110,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,696,102,000 | 2 | $ 670,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 3,907,360,000 | 2 | $ 410,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 710,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 2 | $ 330,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 250,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 2 | $ 570,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 632,715,000 | 2 | $ 420,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 658,233,000 | 2 | $ 130,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 720,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 3,440,092,000 | 2 | $ 540,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 2 | $ 330,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,247,746,000 | 2 | $ 690,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 410,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 1,422,290,000 | 2 | $ 250,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 2 | $ 460,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 300,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 640,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 2 | $ 120,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 632,992,000 | 2 | $ 190,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 790,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 810,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 2 | $ 230,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 515,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 1 | $ 335,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 222,428,000 | 1 | $ 165,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 649,833,000 | 1 | $ 55,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ -1,000 | 1 | $ 295,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 57,451,653,000 | 1 | $ 305,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 195,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 598,530,000 | 1 | $ 175,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,087,397,000 | 1 | $ 175,000 |
| Five Star Bank 2240 DOUGLAS BLVD ROSEVILLE, CA 95661 |
* | $ 3,224,069,000 | 1 | $ 1,765,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 78,672,073,000 | 1 | $ 225,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 305,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 1 | $ 525,000 |
| Mountainone Bank 93 MAIN STREET NORTH ADAMS, MA 01247 |
* | $ 922,461,000 | 1 | $ 25,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 2,138,111,000 | 1 | $ 175,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 455,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 1 | $ 365,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 1 | $ 405,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 1 | $ 355,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 155,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,697,684,000 | 1 | $ 25,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,502,081,000 | 1 | $ 95,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ -1,000 | 1 | $ 425,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 395,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 542,205,000 | 1 | $ 365,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 155,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 485,553,000,000 | 1 | $ 975,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,739,271,000 | 1 | $ 135,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 145,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 397,701,000 | 1 | $ 155,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ 2,611,099,000 | 1 | $ 565,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 1 | $ 105,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 4,219,232,000 | 1 | $ 205,000 |
| First Fed Bank 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ 2,019,046,000 | 1 | $ 135,000 |
| Sentry Bank 400 4TH AVE NE ST. JOSEPH, MN 56374 |
* | $ 283,962,000 | 1 | $ 345,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 585,000 |
| Teg Federal Credit Union 1 COMMERCE ST. POUGHKEEPSIE, NY 12603 |
* | $ 400,289,000 | 1 | $ 355,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 2,703,475,000 | 1 | $ 75,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 1,116,398,000 | 1 | $ 295,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ -1,000 | 1 | $ 245,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 205,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 894,786,000 | 1 | $ 55,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 685,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 6,097,782,000 | 1 | $ 285,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,778,066,000 | 1 | $ 255,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 515,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 71,166,370,000 | 1 | $ 35,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 85,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 155,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 1 | $ 445,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 1,254,936,000 | 1 | $ 545,000 |
| Island Federal Credit Union 120 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 1,404,955,000 | 1 | $ 305,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 6,987,615,000 | 1 | $ 445,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 303,261,000 | 1 | $ 385,000 |
| Industrial and Commercial Bank of China (USA) NA 1633 BROADWAY, 28TH FLOOR NEW YORK, NY 10036 |
* | $ 2,894,890,000 | 1 | $ 185,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 16,706,914,000 | 1 | $ 1,125,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 575,105,000 | 1 | $ 115,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 305,000 |
The tables below break down 2023 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 2023
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 | 4,056 | $1,328,100,000 | $327,000 | $19,505,000 | $154,000 | $3,019,000 |
| Home Improvement | 1,578 | $146,260,000 | $92,000 | $1,205,000 | $143,000 | $3,271,000 |
| Other Purpose | 969 | $103,195,000 | $106,000 | $1,755,000 | $138,000 | $3,717,000 |
| Cash-out Refinancing | 787 | $174,465,000 | $221,000 | $7,645,000 | $125,000 | $2,220,000 |
| Refinancing | 593 | $110,205,000 | $185,000 | $7,205,000 | $127,000 | $1,080,000 |
| Not Applicable | 28 | $4,290,000 | $153,000 | $665,000 | $87,000 | $195,000 |
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 | 5,943 | $1,233,235,000 | $207,000 | $2,505,000 | $142,000 | $3,717,000 |
| Not Provided | 913 | $226,035,000 | $247,000 | $1,505,000 | $153,000 | $1,833,000 |
| Not applicable | 531 | $244,555,000 | $460,000 | $19,505,000 | $173,000 | $1,158,000 |
| Asian | 235 | $78,175,000 | $332,000 | $1,045,000 | $165,000 | $809,000 |
| Hispanic | 195 | $44,375,000 | $227,000 | $1,605,000 | $142,000 | $1,440,000 |
| Black or African American | 112 | $24,850,000 | $221,000 | $725,000 | $133,000 | $525,000 |
| American Indian or Alaskan Native | 47 | $6,975,000 | $148,000 | $425,000 | $117,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $450,000 | $75,000 | $165,000 | $221,000 | $960,000 |
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) | 7,225 | $1,644,625,000 | $227,000 | $19,505,000 | $149,000 | $3,717,000 |
| FHA-insured (Federal Housing Administration) | 502 | $125,390,000 | $249,000 | $485,000 | $95,000 | $299,000 |
| VA-guaranteed (Veterans Administration) | 273 | $94,905,000 | $347,000 | $755,000 | $119,000 | $347,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,595,000 | $145,000 | $205,000 | $69,000 | $92,000 |
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 | 4,698 | $1,161,800,000 | $247,000 | $19,505,000 | $154,000 | $3,717,000 |
| Application Denied By Financial Institution | 1,368 | $188,300,000 | $137,000 | $1,755,000 | $104,000 | $3,271,000 |
| Application Withdrawn By Applicant | 871 | $240,165,000 | $275,000 | $17,155,000 | $159,000 | $2,220,000 |
| Loan Purchased By The Institution | 521 | $164,495,000 | $315,000 | $2,025,000 | $160,000 | $1,158,000 |
| File Closed For Incompleteness | 281 | $55,905,000 | $198,000 | $1,595,000 | $147,000 | $850,000 |
| Application Approved But Not Accepted | 268 | $54,040,000 | $201,000 | $2,505,000 | $118,000 | $2,788,000 |
| Preapproval Approved but not Accepted | 2 | $1,350,000 | $675,000 | $1,125,000 | $322,000 | $560,000 |
| Preapproval Denied by Financial Institution | 2 | $460,000 | $230,000 | $355,000 | $111,000 | $117,000 |
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 | 6,436 | $1,624,110,000 | $252,000 | $19,505,000 | $153,000 | $3,717,000 |
| Debt-To-Income Ratio | 726 | $134,200,000 | $184,000 | $2,105,000 | $100,000 | $660,000 |
| Credit History | 421 | $43,775,000 | $103,000 | $555,000 | $99,000 | $560,000 |
| Collateral | 185 | $25,735,000 | $139,000 | $1,755,000 | $159,000 | $3,271,000 |
| Other | 120 | $14,300,000 | $119,000 | $555,000 | $133,000 | $672,000 |
| Credit Application Incomplete | 90 | $18,340,000 | $203,000 | $905,000 | $137,000 | $1,548,000 |
| Unverifiable Information | 14 | $2,550,000 | $182,000 | $325,000 | $113,000 | $221,000 |
| Employment History | 12 | $2,190,000 | $182,000 | $425,000 | $58,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,315,000 | $187,000 | $355,000 | $107,000 | $179,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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