Schoharie County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 868 mortgage applications in Schoharie County, NY totaling $132.5 million, down 30% from 2022. The average application was for $152,000, and applicants reported an average income of $102,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was Broadview Federal Credit Union, with 74 applications, followed by First New York Federal Credit Union 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 868
Total Mortgage Loan Application Amount $132,480,000
Average Mortgage Loan Application Amount $152,000
Highest Mortgage Loan Application Amount $965,000
Average Applicant Income $102,000
Highest Applicant Income $902,000

Mortgage Company List for Lending in Schoharie County, NY for 2023

* 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 74 $ 5,110,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 453,220,000 59 $ 5,025,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 179,581,000 59 $ 7,595,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 50 $ 11,730,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 506,511,000 41 $ 6,115,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 38 $ 4,210,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 32 $ 5,000,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 27 $ 5,875,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 26 $ 5,000,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 1,121,757,000 24 $ 3,100,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 22 $ 1,550,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 5,999,551,000 21 $ 2,425,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 19 $ 3,175,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 18 $ 1,530,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 18 $ 3,090,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 18 $ 2,390,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 5,015,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,834,148,000 13 $ 2,435,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 12 $ 1,980,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 2,048,365,000 12 $ 1,850,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 11 $ 1,915,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 11 $ 2,475,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 11 $ 2,045,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 10 $ 1,310,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 9 $ 1,925,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 9 $ 1,065,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 7 $ 725,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 7 $ 1,575,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 7 $ 1,925,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,310,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 415,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 985,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 825,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 753,438,000 5 $ 835,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 435,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 1,150,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 4 $ 720,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 3 $ 255,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 545,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 3 $ 415,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 3 $ 615,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 3 $ 735,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 3 $ 685,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 3 $ 1,005,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 595,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,696,102,000 2 $ 140,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 2 $ 120,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 2 $ 280,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 290,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 390,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 2 $ 470,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 420,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 100,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 2 $ 390,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 210,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 140,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ -1,000 2 $ 510,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 669,571,000 2 $ 300,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 2 $ 740,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 2 $ 230,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ -1,000 2 $ 280,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 2 $ 330,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 2 $ 150,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 260,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 390,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 255,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 305,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ 524,847,000 1 $ 555,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 954,358,000 1 $ 55,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 175,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 1 $ 305,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 5,548,911,000 1 $ 185,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 185,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 175,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 295,788,000 1 $ 85,000
Nextstep FCU
150 DEFREEST DRIVE
TROY, NY 12180
* $ 120,400,000 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 315,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 125,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 255,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 205,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 57,451,653,000 1 $ 345,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 515,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 35,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 145,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ 828,530,000 1 $ 225,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 85,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 1,247,761,000 1 $ 85,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 375,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ -1,000 1 $ 195,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 145,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 1 $ 185,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 175,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 2,611,099,000 1 $ 115,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 75,000
Cathay Bank
9650 FLAIR DRIVE
LOS ANGELES, CA 90012
* $ 21,936,467,000 1 $ 415,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 135,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 1 $ 155,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 1 $ 315,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 45,000
Cliffco, Inc.
1065 OLD COUNTRY ROAD SUITE 204
UNIONDALE, NY 11553
* $ -1,000 1 $ 265,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 345,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 1 $ 205,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 25,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ -1,000 1 $ 175,000

The tables below break down 2023 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 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 447 $94,735,000 $211,000 $965,000 $112,000 $902,000
Home Improvement 172 $11,180,000 $65,000 $285,000 $101,000 $734,000
Cash-out Refinancing 101 $14,285,000 $141,000 $395,000 $88,000 $320,000
Other Purpose 86 $5,890,000 $68,000 $265,000 $87,000 $375,000
Refinancing 54 $5,750,000 $106,000 $335,000 $80,000 $508,000
Not Applicable 8 $640,000 $80,000 $105,000 $115,000 $115,000

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 643 $90,185,000 $140,000 $665,000 $99,000 $734,000
Not Provided 102 $17,310,000 $169,000 $505,000 $106,000 $507,000
Not applicable 65 $13,445,000 $206,000 $805,000 $172,000 $359,000
Hispanic 24 $4,660,000 $194,000 $555,000 $102,000 $306,000
Asian 13 $1,885,000 $145,000 $375,000 $82,000 $345,000
Black or African American 12 $4,000,000 $333,000 $965,000 $228,000 $902,000
American Indian or Alaskan Native 5 $555,000 $111,000 $175,000 $64,000 $90,000
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) 711 $100,745,000 $141,000 $965,000 $106,000 $902,000
FHA-insured (Federal Housing Administration) 118 $21,840,000 $185,000 $485,000 $79,000 $236,000
VA-guaranteed (Veterans Administration) 36 $9,340,000 $259,000 $635,000 $101,000 $294,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $555,000 $185,000 $205,000 $85,000 $104,000

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 468 $73,920,000 $157,000 $805,000 $107,000 $902,000
Application Denied By Financial Institution 196 $21,310,000 $108,000 $425,000 $81,000 $330,000
Application Withdrawn By Applicant 88 $15,670,000 $178,000 $965,000 $107,000 $531,000
Loan Purchased By The Institution 62 $12,710,000 $205,000 $645,000 $134,000 $359,000
File Closed For Incompleteness 30 $4,680,000 $156,000 $965,000 $123,000 $531,000
Application Approved But Not Accepted 24 $4,190,000 $174,000 $435,000 $104,000 $237,000
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 667 $110,375,000 $165,000 $965,000 $108,000 $902,000
Debt-To-Income Ratio 70 $8,400,000 $120,000 $555,000 $74,000 $503,000
Credit History 65 $4,895,000 $75,000 $205,000 $76,000 $195,000
Collateral 32 $3,690,000 $115,000 $275,000 $100,000 $260,000
Other 17 $2,615,000 $153,000 $405,000 $97,000 $258,000
Credit Application Incomplete 10 $1,580,000 $158,000 $275,000 $116,000 $330,000
Unverifiable Information 4 $580,000 $145,000 $205,000 $127,000 $270,000
Employment History 2 $180,000 $90,000 $125,000 $57,000 $57,000
Insufficient Cash (Downpayment, Closing Cost) 1 $165,000 $165,000 $165,000 $50,000 $50,000
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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