Schoharie County, NY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,134 mortgage applications in Schoharie County, NY totaling $130.6 million, up 18% from 2017. The average application was for $115,000, and applicants reported an average income of $79,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was Nbt Bank NA, with 102 applications, followed by Homestead Funding Corp. and First New York Federal Credit Union.

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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 1,134
Total Mortgage Loan Application Amount $130,550,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $79,000
Highest Applicant Income $1,169,000

Mortgage Company List for Lending in Schoharie County, NY for 2018

* 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
* $ 9,060,824,000 102 $ 7,270,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 93 $ 13,785,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 315,223,000 83 $ 5,375,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 141,978,000 62 $ 5,180,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 60 $ 7,440,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,555,097,000 52 $ 2,700,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,907,575,000 39 $ 3,995,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 303,147,000 34 $ 4,390,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 31 $ 4,365,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 30 $ 3,600,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 25 $ 2,465,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,521,576,000 19 $ 1,845,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 19 $ 1,535,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 19 $ 2,335,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 1,720,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 1,132,839,000 18 $ 1,860,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 591,776,000 16 $ 2,490,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 16 $ 2,530,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 1,780,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,910,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 11 $ 1,485,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,450,413,000 10 $ 1,230,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 10 $ 1,360,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,140,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,596,589,000 9 $ 835,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,465,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 288,294,007,000 9 $ 1,215,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 9 $ 1,345,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 9 $ 1,665,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 9 $ 635,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,505,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 8 $ 890,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,285,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 7 $ 1,295,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 815,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 7 $ 855,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 6 $ 370,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 880,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 6 $ 1,030,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 6 $ 530,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 6 $ 210,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 890,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 5 $ 665,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 235,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 705,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 705,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 5 $ 795,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 5 $ 615,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 4 $ 570,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 425,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 2,847,881,000 3 $ 455,000
The National Union Bank of Kinderhook
1 HUDSON STREET
KINDERHOOK, NY 12106
* $ 620,070,000 3 $ 1,945,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 3 $ 265,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 3 $ 385,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 365,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 425,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 3 $ 795,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 3 $ 485,000
School Systems
150 DEFREEST DRIVE
TROY, NY 12180
* $ 84,763,000 2 $ 30,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 130,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 2 $ 180,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 2 $ 110,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,682,494,000 2 $ 190,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 2 $ 100,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 390,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 360,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 210,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 200,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ -1,000 2 $ 250,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 2 $ 340,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,528,145,000 2 $ 120,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 160,000
Republic Bank
50 S. 16TH STREET SUITE 2400
PHILADELPHIA, PA 19102
* $ 2,315,740,000 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 1 $ 415,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ 1,458,622,000 1 $ 65,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 75,000
Amalgamated Bank
275 SEVENTH AVENUE
NEW YORK, NY 10001
* $ 4,050,714,000 1 $ 195,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 145,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ 351,051,000 1 $ 315,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 53,495,452,000 1 $ 605,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 135,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 1,074,487,000 1 $ 35,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 7,947,930,000 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 145,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 463,354,000 1 $ 45,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,246,082,000 1 $ 115,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 23,965,254,000 1 $ 385,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 195,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ 496,850,000 1 $ 55,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 155,000
Ithink Financial Credit Union
1000 NW 17TH AVENUE
DELRAY BEACH, FL 33445
* $ 1,079,137,000 1 $ 95,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,026,120,000 1 $ 185,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 1 $ 255,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 105,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 265,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 115,000
Academy Mortgage Corp.
105 CONKLIN STREET
FARMINGDALE, NY 11735
* $ -1,000 1 $ 235,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 185,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 205,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 778,829,000 1 $ 265,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 1,057,662,000 1 $ 75,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 841,261,000 1 $ 135,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 195,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 175,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 499,089,000 1 $ 145,000
Priority Funding, LLC
292 MAIN STREET, SUITE G1
NORTHBORO, MA 01532
* $ -1,000 1 $ 65,000

The tables below break down 2018 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 2018

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 551 $79,255,000 $143,000 $1,305,000 $80,000 $468,000
Refinancing 197 $21,305,000 $108,000 $385,000 $73,000 $423,000
Home Improvement 144 $6,880,000 $47,000 $325,000 $79,000 $363,000
Cash-out Refinancing 123 $14,895,000 $121,000 $455,000 $71,000 $232,000
Other Purpose 94 $5,580,000 $59,000 $235,000 $97,000 $1,169,000
Not Applicable 25 $2,635,000 $105,000 $235,000 $25,000 $25,000

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 897 $98,465,000 $109,000 $605,000 $79,000 $1,169,000
Not Provided 109 $13,695,000 $125,000 $355,000 $84,000 $846,000
Not applicable 74 $11,980,000 $161,000 $1,305,000 $63,000 $139,000
Hispanic 27 $3,005,000 $111,000 $225,000 $76,000 $199,000
Black or African American 13 $1,965,000 $151,000 $505,000 $108,000 $468,000
Asian 10 $1,050,000 $105,000 $165,000 $51,000 $70,000
American Indian or Alaskan Native 2 $150,000 $75,000 $85,000 $98,000 $101,000
Native Hawaiian 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) 819 $85,605,000 $104,000 $1,305,000 $85,000 $1,169,000
FHA-insured (Federal Housing Administration) 212 $28,770,000 $135,000 $305,000 $61,000 $218,000
VA-guaranteed (Veterans Administration) 52 $9,340,000 $179,000 $465,000 $74,000 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $6,835,000 $134,000 $235,000 $56,000 $99,000

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 592 $68,910,000 $116,000 $1,305,000 $82,000 $423,000
Application Denied By Financial Institution 253 $23,845,000 $94,000 $505,000 $78,000 $1,169,000
Loan Purchased By The Institution 117 $16,485,000 $140,000 $285,000 $77,000 $393,000
Application Withdrawn By Applicant 100 $13,530,000 $135,000 $465,000 $69,000 $235,000
Application Approved But Not Accepted 39 $3,855,000 $98,000 $455,000 $74,000 $265,000
File Closed For Incompleteness 33 $3,925,000 $118,000 $265,000 $72,000 $145,000
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
Not applicable 866 $105,020,000 $121,000 $1,305,000 $79,000 $423,000
Debt-To-Income Ratio 91 $9,715,000 $106,000 $315,000 $65,000 $340,000
Collateral 72 $6,910,000 $95,000 $505,000 $89,000 $468,000
Credit History 52 $3,760,000 $72,000 $225,000 $100,000 $1,169,000
Other 26 $1,840,000 $70,000 $205,000 $69,000 $206,000
Credit Application Incomplete 12 $1,540,000 $128,000 $275,000 $80,000 $202,000
Unverifiable Information 8 $870,000 $108,000 $205,000 $115,000 $262,000
Employment History 4 $620,000 $155,000 $255,000 $51,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 3 $275,000 $91,000 $145,000 $37,000 $58,000
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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