Schoharie County, NY Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 782 mortgage applications in Schoharie County, NY totaling $86.1 million, down 29% from 2013. The average application was for $110,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 76 applications, followed by Nbt Bank NA and Bank of Richmondville.

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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 782
Total Mortgage Loan Application Amount $86,142,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $532,000
Average Applicant Income $64,000
Highest Applicant Income $840,000

Mortgage Company List for Lending in Schoharie County, NY for 2014

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 76 $ 8,563,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,581,736,000 68 $ 5,962,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 130,163,000 63 $ 6,870,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 61 $ 8,711,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,693,744,000 43 $ 3,266,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 267,012,000 26 $ 2,253,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,522,056,000 26 $ 3,495,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 19 $ 2,138,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 19 $ 2,681,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 18 $ 1,990,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 17 $ 2,506,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 16 $ 2,080,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,068,834,000 14 $ 751,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 13 $ 696,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 12 $ 1,209,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 401,329,000 12 $ 1,150,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 11 $ 1,358,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 11 $ 965,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 11 $ 863,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 10 $ 408,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 1,029,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 9 $ 1,200,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 9 $ 1,426,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 257,219,000 8 $ 855,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,207,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 7 $ 1,186,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 7 $ 1,051,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 7 $ 659,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 7 $ 1,116,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 628,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 4 $ 501,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 750,934,000 4 $ 504,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 4 $ 401,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 678,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 652,801,000 4 $ 574,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 4 $ 343,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 4 $ 201,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 805,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 3 $ 131,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 3 $ 235,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 3 $ 63,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 3 $ 257,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 3 $ 329,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 3 $ 405,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 3 $ 51,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 2 $ 293,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,477,891,000 2 $ 92,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 2 $ 44,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 2 $ 156,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 2 $ 75,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,264,382,000 2 $ 491,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 37,576,781,000 2 $ 20,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 139,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 132,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,192,380,000 2 $ 271,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 2 $ 246,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 2 $ 336,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 454,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 239,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 435,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 159,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 193,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 156,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 299,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 115,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 1 $ 151,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 1 $ 133,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 1 $ 114,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 149,000
Berkshire Bank

ALBANY, NY 12207
* $ 5,645,664,000 1 $ 110,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 1 $ 195,000
Core Federal Credit Union
7200 KIRKVILLE RD
EAST SYRACUSE, NY 13057
* $ 80,771,000 1 $ 7,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,842,485,000 1 $ 265,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,256,102,000 1 $ 96,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 1 $ 174,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 150,121,000 1 $ 121,000
Shamrock Home Loans, Inc.
75 NEWMAN AVE
EAST PROVIDENCE, RI 02916
* $ 4,122,000 1 $ 77,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 66,000
First American Mortgage Trust
70 LEO M. BIRMINGHAM PARKWAY
BRIGHTON, MA 02135
* $ 10,000,000 1 $ 122,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,056,799,000 1 $ 60,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 163,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 1 $ 30,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 1 $ 69,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 1 $ 200,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 1 $ 70,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 1 $ 165,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 1 $ 208,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 99,000
First Federal Svg Bank Boston
100 BRICKSTONE SQUARE
ANDOVER, MA 01810
* $ 64,984,000 1 $ 216,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 175,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 179,849,000 1 $ 48,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 14,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 1 $ 121,000
Ulster Federal Credit Union
127 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 104,309,000 1 $ 25,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,550,905,000 1 $ 75,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 1 $ 260,000
Gladewater National Bank
678 N MAIN
GLADEWATER, TX 75647
* $ 55,642,000 1 $ 137,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 184,000
Mortgage Enterprise, Ltd
393 OLD COUNTRY RD SUITE 301
CARLE PLACE, NY 11514
* $ 10,000,000 1 $ 146,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 159,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 61,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 168,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 124,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 720,631,000 1 $ 63,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 106,000

The tables below break down 2014 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 2014

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 358 $43,223,000 $120,000 $532,000 $63,000 $664,000
Refinancing 312 $36,737,000 $117,000 $299,000 $62,000 $192,000
Home Improvement 112 $6,182,000 $55,000 $400,000 $72,000 $840,000

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 648 $70,812,000 $109,000 $411,000 $69,000 $664,000
Not applicable 59 $6,807,000 $115,000 $532,000 $1,000 $58,000
Not Provided 50 $5,774,000 $115,000 $280,000 $59,000 $192,000
Asian 13 $1,558,000 $119,000 $203,000 $59,000 $92,000
Hispanic 5 $463,000 $92,000 $178,000 $229,000 $840,000
Black or African American 3 $318,000 $106,000 $121,000 $52,000 $70,000
Native Hawaiian or Other Pacific Islander 2 $229,000 $114,000 $133,000 $66,000 $82,000
American Indian or Alaskan Native 2 $181,000 $90,000 $175,000 $34,000 $68,000

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) 539 $55,628,000 $103,000 $532,000 $72,000 $840,000
FHA-insured (Federal Housing Administration) 142 $17,028,000 $119,000 $299,000 $43,000 $134,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $6,226,000 $115,000 $230,000 $45,000 $96,000
VA-guaranteed (Veterans Administration) 47 $7,260,000 $154,000 $348,000 $56,000 $120,000

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 351 $40,122,000 $114,000 $532,000 $73,000 $664,000
Application Denied By Financial Institution 203 $19,404,000 $95,000 $400,000 $65,000 $840,000
Loan Purchased By The Institution 94 $11,147,000 $118,000 $313,000 $29,000 $184,000
Application Withdrawn By Applicant 65 $7,849,000 $120,000 $330,000 $67,000 $412,000
Application Approved But Not Accepted 54 $5,711,000 $105,000 $248,000 $65,000 $134,000
File Closed For Incompleteness 15 $1,909,000 $127,000 $240,000 $51,000 $105,000
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
Credit History 50 $3,363,000 $67,000 $265,000 $82,000 $840,000
Debt-To-Income Ratio 41 $4,084,000 $99,000 $271,000 $49,000 $112,000
Collateral 29 $3,707,000 $127,000 $400,000 $81,000 $175,000
Other 14 $1,277,000 $91,000 $212,000 $62,000 $148,000
Credit Application Incomplete 6 $708,000 $118,000 $175,000 $83,000 $274,000
Unverifiable Information 3 $477,000 $159,000 $184,000 $46,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 3 $220,000 $73,000 $106,000 $49,000 $109,000
Employment History 2 $182,000 $91,000 $132,000 $87,000 $122,000
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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