Schoharie County, NY Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 924 mortgage applications in Schoharie County, NY totaling $117.1 million, up 9% from 2015. The average application was for $126,000, and applicants reported an average income of $75,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Homestead Funding Corp., with 108 applications, followed by Wells Fargo Bank NA and Nbt Bank NA.

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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 924
Total Mortgage Loan Application Amount $117,076,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $3,100,000
Average Applicant Income $75,000
Highest Applicant Income $612,000

Mortgage Company List for Lending in Schoharie County, NY for 2016

* 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
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 108 $ 15,848,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 72 $ 9,270,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 8,198,830,000 60 $ 4,091,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 139,509,000 51 $ 3,780,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,733,655,000 44 $ 5,607,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 39 $ 5,471,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 36 $ 5,345,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,043,252,000 26 $ 2,166,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 491,974,000 24 $ 3,067,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 21 $ 2,971,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 8,494,486,000 18 $ 1,296,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 18 $ 3,191,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 16 $ 2,467,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 16 $ 1,141,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 306,649,000 15 $ 1,433,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 14 $ 2,572,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 14 $ 989,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 13 $ 1,231,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 13 $ 2,104,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 11 $ 818,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 287,089,000 10 $ 786,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 9 $ 1,176,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 9 $ 1,461,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 9 $ 156,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 794,885,000 8 $ 1,238,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 8 $ 1,040,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 7 $ 744,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 7 $ 898,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 592,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 7 $ 742,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 7 $ 729,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 948,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 749,348,000 5 $ 329,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 4 $ 384,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 4 $ 306,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 4 $ 257,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 401,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 4 $ 629,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 4 $ 746,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 39,860,456,000 4 $ 583,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 4 $ 491,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 553,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 4 $ 615,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 561,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 337,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 767,158,000 3 $ 398,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 123,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ 10,000,000 3 $ 693,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 90,192,245,000 3 $ 441,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 650,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 568,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 3 $ 243,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 2,378,631,000 3 $ 225,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 6,823,816,000 2 $ 58,000
Landmark Community Bank
2 S MAIN STREET
PITTSTON, PA 18640
* $ 284,072,000 2 $ 102,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 932,725,000 2 $ 166,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 301,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 2 $ 257,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 315,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 439,588,000 2 $ 366,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 2 $ 165,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 2 $ 238,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 246,485,756,000 2 $ 261,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 2 $ 150,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 278,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 2 $ 50,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 2 $ 61,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ 10,016,511,000 2 $ 267,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 174,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 113,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 172,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,882,500,000 1 $ 216,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 1 $ 125,000
Emigrant Funding Corporation
5 EAST 42ND STREET
NEW YORK, NY 10017
* $ 6,177,447,000 1 $ 508,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 76,130,000 1 $ 94,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 2,401,537,000 1 $ 210,000
Fulton Savings Bank
41 SOUTH FIRST STREET
FULTON, NY 13069
* $ 378,234,000 1 $ 190,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 171,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 132,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ 4,785,307,000 1 $ 143,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 125,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 1 $ 288,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 1 $ 143,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 183,138,215,000 1 $ 137,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 1 $ 135,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 690,917,000 1 $ 30,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,172,144,000 1 $ 100,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 822,669,000 1 $ 130,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 1 $ 2,000,000
Bridgeview Mortgage Corp.
1200 HEMPSTEAD TURNPIKE
FRANKLIN SQUARE, NY 11010
* $ 1,080,538,000 1 $ 259,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 35,716,797,000 1 $ 356,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 276,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,209,389,000 1 $ 63,000
Equity Now Inc
215 LEXINGTON AVENUE, SUITE 1702
MAMARONECK, NY 10543
* $ 10,000,000 1 $ 248,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 238,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,358,315,000 1 $ 60,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 442,246,000 1 $ 3,100,000
Berkshire Bank

ALBANY, NY 12207
* $ 7,811,263,000 1 $ 58,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 154,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 231,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 223,000
Hudson River Financial Federal Credit Union
3563 MOHEGAN AVENUE
MOHEGAN LAKE, NY 10547
* $ 48,280,000 1 $ 65,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ 227,064,000 1 $ 10,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,248,256,000 1 $ 187,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 1 $ 132,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 1 $ 171,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 1 $ 89,000

The tables below break down 2016 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 2016

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 481 $61,731,000 $128,000 $600,000 $72,000 $595,000
Refinancing 340 $49,846,000 $146,000 $3,100,000 $78,000 $612,000
Home Improvement 103 $5,499,000 $53,000 $580,000 $79,000 $430,000

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 731 $87,542,000 $119,000 $600,000 $79,000 $595,000
Not Provided 95 $11,752,000 $123,000 $375,000 $89,000 $612,000
Not applicable 76 $14,993,000 $197,000 $3,100,000 $13,000 $595,000
Hispanic 15 $2,133,000 $142,000 $227,000 $71,000 $210,000
American Indian or Alaskan Native 3 $281,000 $93,000 $153,000 $108,000 $142,000
Black or African American 3 $116,000 $38,000 $80,000 $51,000 $70,000
Asian 1 $259,000 $259,000 $259,000 $86,000 $86,000
Native Hawaiin or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 615 $74,185,000 $120,000 $3,100,000 $87,000 $612,000
FHA-insured (Federal Housing Administration) 182 $23,118,000 $127,000 $278,000 $47,000 $250,000
VA-guaranteed (Veterans Administration) 81 $13,998,000 $172,000 $402,000 $56,000 $270,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $5,775,000 $125,000 $265,000 $51,000 $98,000

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 467 $56,799,000 $121,000 $508,000 $81,000 $595,000
Application Denied By Financial Institution 212 $28,972,000 $136,000 $3,100,000 $74,000 $612,000
Loan Purchased By The Institution 106 $13,944,000 $131,000 $297,000 $41,000 $595,000
Application Withdrawn By Applicant 69 $8,834,000 $128,000 $356,000 $79,000 $550,000
Application Approved But Not Accepted 36 $4,236,000 $117,000 $333,000 $95,000 $272,000
File Closed For Incompleteness 34 $4,291,000 $126,000 $402,000 $68,000 $208,000
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 36 $2,525,000 $70,000 $332,000 $70,000 $193,000
Debt-To-Income Ratio 33 $3,712,000 $112,000 $266,000 $58,000 $227,000
Collateral 31 $4,378,000 $141,000 $315,000 $93,000 $252,000
Credit Application Incomplete 17 $1,868,000 $109,000 $174,000 $64,000 $136,000
Other 8 $598,000 $74,000 $140,000 $62,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 5 $4,028,000 $805,000 $3,100,000 $45,000 $86,000
Unverifiable Information 3 $544,000 $181,000 $252,000 $69,000 $115,000
Employment History 3 $92,000 $30,000 $86,000 $20,000 $24,000
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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