Schoharie County, NY Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 912 mortgage applications in Schoharie County, NY totaling $152.1 million, up 5% from 2023. The average application was for $166,000, and applicants reported an average income of $108,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Homestead Funding Corp., with 83 applications, followed by First New York Federal Credit Union and Broadview 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 912
Total Mortgage Loan Application Amount $152,100,000
Average Mortgage Loan Application Amount $166,000
Highest Mortgage Loan Application Amount $745,000
Average Applicant Income $108,000
Highest Applicant Income $1,239,000

Mortgage Company List for Lending in Schoharie County, NY for 2024

* 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
* $ n/a 83 $ 18,825,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ n/a 69 $ 5,615,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ n/a 53 $ 4,055,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ n/a 50 $ 5,650,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 38 $ 6,830,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 36 $ 6,250,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 32 $ 2,900,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 27 $ 6,245,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 26 $ 5,040,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ n/a 24 $ 5,000,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 23 $ 3,355,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 20 $ 1,700,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ n/a 15 $ 1,055,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 14 $ 3,000,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 14 $ 1,510,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ n/a 14 $ 1,710,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 14 $ 1,240,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 13 $ 1,325,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 13 $ 2,835,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 12 $ 3,250,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ n/a 11 $ 3,245,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 11 $ 2,525,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ n/a 11 $ 1,265,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 10 $ 2,010,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ n/a 10 $ 1,500,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ n/a 9 $ 1,865,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 8 $ 2,500,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 8 $ 1,590,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 8 $ 1,810,000
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 7 $ 1,425,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,190,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 6 $ 1,520,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 5 $ 715,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 5 $ 1,045,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 5 $ 595,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 1,095,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 5 $ 675,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 5 $ 1,235,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 4 $ 880,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ n/a 4 $ 910,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 4 $ 1,690,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 4 $ 460,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 375,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ n/a 3 $ 595,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 3 $ 835,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 635,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 355,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 3 $ 1,205,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 3 $ 635,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 1,115,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 470,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 2 $ 430,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 230,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ n/a 2 $ 390,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ n/a 2 $ 840,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 510,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 2 $ 470,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 440,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ n/a 2 $ 520,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ n/a 2 $ 70,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ n/a 2 $ 660,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ n/a 2 $ 490,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 2 $ 240,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ n/a 2 $ 170,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 2 $ 260,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ n/a 2 $ 380,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 145,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ n/a 1 $ 75,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ n/a 1 $ 95,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 175,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 175,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 115,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 145,000
Erie Federal Credit Union
3503 PEACH STREET
ERIE, PA 16508
* $ n/a 1 $ 105,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ n/a 1 $ 225,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 1 $ 75,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ n/a 1 $ 175,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ n/a 1 $ 95,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 295,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 635,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ n/a 1 $ 55,000
Proponent FCU
536 WASHINGTON AVE.
NUTLEY, NJ 07110
* $ n/a 1 $ 225,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 205,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 155,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ n/a 1 $ 55,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ n/a 1 $ 45,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 155,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 335,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 105,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 255,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 45,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 185,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 285,000
Berkshire Bank

ALBANY, NY 12207
* $ n/a 1 $ 85,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 355,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ n/a 1 $ 485,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 265,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 205,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 335,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ n/a 1 $ 55,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 1 $ 405,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 25,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 265,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 185,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ n/a 1 $ 205,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 185,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 1 $ 215,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 175,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ n/a 1 $ 145,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 215,000

The tables below break down 2024 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 2024

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 488 $106,030,000 $217,000 $745,000 $117,000 $600,000
Home Improvement 140 $9,410,000 $67,000 $255,000 $100,000 $331,000
Cash-out Refinancing 135 $21,795,000 $161,000 $555,000 $89,000 $445,000
Other Purpose 76 $6,080,000 $80,000 $285,000 $115,000 $1,239,000
Refinancing 73 $8,785,000 $120,000 $565,000 $97,000 $650,000
Not Applicable 0 $0 $0 $0 $0 $0

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 672 $103,190,000 $153,000 $745,000 $107,000 $1,239,000
Not Provided 103 $19,195,000 $186,000 $645,000 $111,000 $600,000
Not applicable 80 $19,240,000 $240,000 $645,000 $196,000 $469,000
Hispanic 37 $7,405,000 $200,000 $465,000 $91,000 $312,000
Asian 8 $1,730,000 $216,000 $635,000 $168,000 $573,000
Black or African American 6 $800,000 $133,000 $265,000 $70,000 $110,000
American Indian or Alaskan Native 4 $410,000 $102,000 $155,000 $52,000 $68,000
Native Hawaiian or Other Pacific Islander 2 $130,000 $65,000 $75,000 $57,000 $67,000

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) 724 $108,510,000 $149,000 $745,000 $111,000 $1,239,000
FHA-insured (Federal Housing Administration) 120 $25,700,000 $214,000 $475,000 $91,000 $235,000
VA-guaranteed (Veterans Administration) 56 $15,090,000 $269,000 $655,000 $101,000 $291,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $2,800,000 $233,000 $345,000 $90,000 $121,000

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 505 $81,225,000 $160,000 $745,000 $111,000 $1,239,000
Application Denied By Financial Institution 170 $23,540,000 $138,000 $565,000 $101,000 $650,000
Application Withdrawn By Applicant 91 $16,305,000 $179,000 $655,000 $94,000 $354,000
Loan Purchased By The Institution 82 $20,020,000 $244,000 $645,000 $161,000 $469,000
File Closed For Incompleteness 38 $6,540,000 $172,000 $465,000 $91,000 $291,000
Application Approved But Not Accepted 25 $4,275,000 $171,000 $635,000 $116,000 $573,000
Preapproval Denied by Financial Institution 1 $195,000 $195,000 $195,000 $179,000 $179,000
Preapproval Approved but not Accepted 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 733 $127,025,000 $173,000 $745,000 $109,000 $1,239,000
Debt-To-Income Ratio 58 $8,060,000 $138,000 $565,000 $75,000 $320,000
Credit History 41 $3,145,000 $76,000 $295,000 $104,000 $650,000
Collateral 40 $7,120,000 $178,000 $495,000 $143,000 $600,000
Other 23 $3,965,000 $172,000 $455,000 $93,000 $212,000
Credit Application Incomplete 8 $1,270,000 $158,000 $335,000 $119,000 $247,000
Unverifiable Information 4 $680,000 $170,000 $355,000 $77,000 $155,000
Insufficient Cash (Downpayment, Closing Cost) 4 $670,000 $167,000 $365,000 $126,000 $182,000
Employment History 1 $165,000 $165,000 $165,000 $83,000 $83,000
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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