Schoharie County, NY Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,094 mortgage applications in Schoharie County, NY totaling $127.4 million, down 9% from 2012. The average application was for $116,000, and applicants reported an average income of $69,000. 49% of applications resulted in an originated loan and 23% were denied. The most active lender was Nbt Bank NA, with 130 applications, followed by Wells Fargo Bank NA and Bank of Richmondville.

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Total Number of Mortgage Applications 1,094
Total Mortgage Loan Application Amount $127,418,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $559,000
Average Applicant Income $69,000
Highest Applicant Income $761,000

Mortgage Company List for Lending in Schoharie County, NY for 2013

* 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
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,986,046,000 130 $ 9,608,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 97 $ 11,656,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 124,563,000 94 $ 10,369,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 70 $ 9,957,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,347,132,000 50 $ 5,205,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,513,640,000 42 $ 2,333,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 37 $ 3,932,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 33 $ 4,071,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 374,262,000 32 $ 3,280,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 252,402,000 25 $ 2,095,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 25 $ 3,218,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 24 $ 3,119,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 3,331,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 20 $ 2,718,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 17 $ 1,447,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 17 $ 2,655,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 16 $ 2,298,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 16 $ 2,121,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,470,683,000 16 $ 1,015,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 244,378,000 14 $ 1,456,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 12 $ 869,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,502,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 11 $ 1,595,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 10 $ 1,614,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 10 $ 1,347,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 9 $ 767,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 8 $ 916,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 1,278,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 7 $ 899,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 7 $ 1,091,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 7 $ 1,173,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 625,405,000 6 $ 857,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 6 $ 1,008,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 6 $ 305,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 5 $ 725,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 5 $ 663,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 203,985,615,000 5 $ 559,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 5 $ 333,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 5,144,058,000 4 $ 315,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 537,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 723,745,000 4 $ 434,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 836,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 3 $ 427,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 3 $ 792,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 343,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 3 $ 763,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 3 $ 364,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 3 $ 212,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 83,081,838,000 3 $ 382,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 20,113,089,000 3 $ 176,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 3 $ 629,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 303,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 3 $ 509,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 979,843,000 3 $ 223,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 2 $ 263,000
Sage Bank
18 HURD STREET
LOWELL, MA 01852
* $ 208,464,000 2 $ 555,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 2 $ 324,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 2 $ 501,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 36,871,280,000 2 $ 349,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 2 $ 199,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 1,369,414,000 2 $ 354,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 145,994,000 2 $ 178,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 338,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 2 $ 505,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 2 $ 191,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,203,139,000 2 $ 130,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 2 $ 363,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 507,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 248,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 150,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 88,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 96,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 184,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 210,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ 10,000,000 1 $ 200,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 1 $ 71,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,376,094,000 1 $ 141,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ 604,484,000 1 $ 308,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 1 $ 131,000
Mgn Funding Corporation
30-50 WHITESTONE EXPRESSWAY STE 305
FLUSHING, NY 11354
* $ 17,000,000 1 $ 150,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 71,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ 10,000,000 1 $ 85,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ 10,000,000 1 $ 297,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 124,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,751,448,000 1 $ 88,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 402,049,000 1 $ 12,000
Equity Now Inc
215 LEXINGTON AVENUE, SUITE 1702
MAMARONECK, NY 10543
* $ 10,000,000 1 $ 225,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 141,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 1 $ 287,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 209,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 4,430,539,000 1 $ 110,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 475,008,000 1 $ 163,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 277,529,000 1 $ 305,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 226,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 214,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 1 $ 163,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 196,979,000 1 $ 15,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,759,745,000 1 $ 30,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 756,099,000 1 $ 60,000
Hampden Bank
19 HARRISON AVENUE
SPRINGFIELD, MA 01103
* $ 641,413,000 1 $ 36,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 1 $ 175,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 1 $ 134,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 1 $ 86,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 1 $ 106,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 1 $ 46,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,778,826,000 1 $ 24,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 1 $ 101,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 4,704,851,000 1 $ 95,000

The tables below break down 2013 mortgage applications in Schoharie 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 Schoharie County, NY in 2013

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
Refinancing 555 $71,238,000 $128,000 $559,000 $71,000 $761,000
Home Purchase 399 $49,095,000 $123,000 $535,000 $69,000 $368,000
Home Improvement 140 $7,085,000 $50,000 $417,000 $63,000 $264,000

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 915 $104,422,000 $114,000 $559,000 $74,000 $761,000
Not Provided 81 $11,125,000 $137,000 $535,000 $73,000 $268,000
Not applicable 68 $8,535,000 $125,000 $417,000 $7,000 $308,000
Hispanic 16 $1,847,000 $115,000 $225,000 $70,000 $159,000
Black or African American 6 $709,000 $118,000 $201,000 $66,000 $132,000
American Indian or Alaskan Native 5 $376,000 $75,000 $185,000 $60,000 $182,000
Asian 2 $314,000 $157,000 $264,000 $64,000 $99,000
Native Hawaiian or Other Pacific Islander 1 $90,000 $90,000 $90,000 $33,000 $33,000

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) 798 $86,121,000 $107,000 $559,000 $77,000 $761,000
FHA-insured (Federal Housing Administration) 180 $25,195,000 $139,000 $318,000 $47,000 $216,000
VA-guaranteed (Veterans Administration) 64 $10,270,000 $160,000 $337,000 $48,000 $139,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $5,832,000 $112,000 $255,000 $47,000 $91,000

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 540 $61,345,000 $113,000 $559,000 $78,000 $368,000
Application Denied By Financial Institution 257 $27,738,000 $107,000 $340,000 $64,000 $761,000
Loan Purchased By The Institution 116 $15,196,000 $131,000 $417,000 $36,000 $308,000
Application Withdrawn By Applicant 85 $11,035,000 $129,000 $334,000 $68,000 $250,000
Application Approved But Not Accepted 66 $7,951,000 $120,000 $280,000 $73,000 $185,000
File Closed For Incompleteness 30 $4,153,000 $138,000 $339,000 $71,000 $264,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 55 $5,148,000 $93,000 $250,000 $45,000 $236,000
Credit History 49 $3,973,000 $81,000 $312,000 $53,000 $210,000
Collateral 45 $6,008,000 $133,000 $323,000 $97,000 $761,000
Other 21 $2,313,000 $110,000 $297,000 $67,000 $140,000
Credit Application Incomplete 15 $1,700,000 $113,000 $248,000 $82,000 $197,000
Unverifiable Information 9 $1,216,000 $135,000 $207,000 $69,000 $109,000
Employment History 4 $706,000 $176,000 $340,000 $60,000 $153,000
Insufficient Cash (Downpayment, Closing Cost) 4 $747,000 $186,000 $254,000 $138,000 $198,000
Mortgage Insurance Denied 1 $63,000 $63,000 $63,000 $44,000 $44,000

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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