Schuyler County, NY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 812 mortgage applications in Schuyler County, NY totaling $72.9 million, down 37% from 2007. The average application was for $89,000, and applicants reported an average income of $63,000. 44% of applications resulted in an originated loan and 31% were denied. The most active lender was Beneficial Company LLC, with 102 applications, followed by Chemung Canal Trust Company and Community Bank, N.A..
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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 | 812 |
| Total Mortgage Loan Application Amount | $72,907,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $990,000 |
* 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 |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 102 | $ 8,092,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 786,013,000 | 63 | $ 3,385,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 4,679,552,000 | 54 | $ 4,563,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 581,620,000 | 41 | $ 3,041,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 40 | $ 4,194,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 36 | $ 4,355,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 31 | $ 3,644,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 28 | $ 3,177,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 1,998,738,000 | 27 | $ 2,518,000 |
| Elmira Savings Bank, FSB 333 E WATER ST ELMIRA, NY 14901 |
* | $ 453,802,000 | 27 | $ 2,327,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 479,605,000 | 25 | $ 1,761,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,213,345,000 | 25 | $ 1,678,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 21 | $ 2,065,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 1,850,159,000 | 19 | $ 1,108,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 18 | $ 802,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,312,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 13 | $ 1,469,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,173,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 11 | $ 144,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 130,275,000 | 11 | $ 1,472,000 |
| Wells Fargo Fin'l Cred Serv Ny 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 11 | $ 976,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,443,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 8 | $ 594,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 300,961,000 | 8 | $ 595,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 7 | $ 178,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,284,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 1,096,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 6 | $ 599,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 6 | $ 788,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 6 | $ 565,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 5 | $ 62,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 52,521,000 | 5 | $ 338,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 374,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 384,681,000 | 4 | $ 415,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 702,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 390,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 3 | $ 45,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 155,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 3 | $ 167,000 |
| First Niagara Bank 6950 SOUTH TRANSIT ROAD LOCKPORT, NY 14094 |
* | $ 8,082,041,000 | 2 | $ 345,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 3,429,961,000 | 2 | $ 159,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 253,104,000 | 2 | $ 72,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 60,982,000 | 2 | $ 42,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 168,607,000 | 2 | $ 94,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 2 | $ 207,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Home Funding Finders, Inc 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 240,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 231,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 26,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 77,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Aurora Financial Group Inc 9 EVES DRIVE SUITE 190 MARLTON, NJ 08053 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 34,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 48,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 125,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Eastern New York FCU 710 BERME RD NAPANOCH, NY 12458 |
* | $ 47,484,000 | 1 | $ 100,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 2,270,432,000 | 1 | $ 119,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 641,037,000 | 1 | $ 65,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 352,858,000 | 1 | $ 145,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 197,273,000 | 1 | $ 62,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 123,000 |
| First Alternative Mortgage Cor 145 HUGUENOT ST, SUITE 109 NEW ROCHELL, NY 10801 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Shamrock Home Loans, Inc. 75 NEWMAN AVE EAST PROVIDENCE, RI 02916 |
* | $ 4,122,000 | 1 | $ 93,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 135,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 1,944,868,000 | 1 | $ 32,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 75,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 75,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 281,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 84,701,123,000 | 1 | $ 109,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 87,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 104,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 85,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 38,000 |
| Cnb Mortgage Company 63A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,256,349,000 | 1 | $ 170,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 50,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,225,710,000 | 1 | $ 185,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 322,401,000 | 1 | $ 104,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 665,534,000 | 1 | $ 78,000 |
| Cathay Bank 9650 FLAIR DRIVE EL MONTE, CA 91731 |
* | $ 10,387,717,000 | 1 | $ 100,000 |
| Investors Mortgage Company LLC 101 JFK PARKWAY SHORT HILLS, NJ 07078 |
* | $ 5,865,402,000 | 1 | $ 614,000 |
| Berkshire Bank 1101 WOODLAND ROAD WYOMISSING, PA 19610 |
* | $ 119,397,000 | 1 | $ 50,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,182,343,000 | 1 | $ 200,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 84,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 5,911,677,000 | 1 | $ 145,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 45,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 80,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,244,126,000 | 1 | $ 170,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 114,000 |
The tables below break down 2008 mortgage applications in Schuyler 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 Schuyler County, NY in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 405 | $42,253,000 | $104,000 | $360,000 | $61,000 | $340,000 |
| Home Purchase | 219 | $24,472,000 | $111,000 | $650,000 | $74,000 | $990,000 |
| Home Improvement | 188 | $6,182,000 | $32,000 | $250,000 | $54,000 | $302,000 |
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 | 708 | $61,816,000 | $87,000 | $650,000 | $63,000 | $684,000 |
| Not Provided | 59 | $5,742,000 | $97,000 | $275,000 | $57,000 | $170,000 |
| Not applicable | 31 | $3,532,000 | $113,000 | $614,000 | $66,000 | $990,000 |
| Hispanic | 9 | $1,441,000 | $160,000 | $305,000 | $92,000 | $168,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $22,000 | $11,000 | $13,000 | $37,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $123,000 | $123,000 | $123,000 | $44,000 | $44,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $16,000 | $16,000 |
| Black or African American | 1 | $131,000 | $131,000 | $131,000 | $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) | 695 | $60,311,000 | $86,000 | $650,000 | $65,000 | $990,000 |
| FHA-insured (Federal Housing Administration) | 108 | $11,751,000 | $108,000 | $275,000 | $49,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 7 | $717,000 | $102,000 | $153,000 | $56,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $128,000 | $64,000 | $77,000 | $50,000 | $63,000 |
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 | 357 | $31,465,000 | $88,000 | $650,000 | $69,000 | $578,000 |
| Application Denied By Financial Institution | 254 | $19,608,000 | $77,000 | $350,000 | $53,000 | $295,000 |
| Application Withdrawn By Applicant | 93 | $9,473,000 | $101,000 | $313,000 | $59,000 | $300,000 |
| Loan Purchased By The Institution | 52 | $6,243,000 | $120,000 | $614,000 | $64,000 | $990,000 |
| Application Approved But Not Accepted | 40 | $4,009,000 | $100,000 | $305,000 | $63,000 | $168,000 |
| File Closed For Incompleteness | 16 | $2,109,000 | $131,000 | $360,000 | $100,000 | $684,000 |
| 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 | 46 | $2,063,000 | $44,000 | $163,000 | $47,000 | $157,000 |
| Collateral | 37 | $4,454,000 | $120,000 | $350,000 | $66,000 | $295,000 |
| Debt-To-Income Ratio | 23 | $1,767,000 | $76,000 | $222,000 | $44,000 | $95,000 |
| Other | 14 | $810,000 | $57,000 | $190,000 | $68,000 | $184,000 |
| Unverifiable Information | 5 | $734,000 | $146,000 | $261,000 | $83,000 | $134,000 |
| Credit Application Incomplete | 3 | $248,000 | $82,000 | $145,000 | $33,000 | $42,000 |
| Employment History | 2 | $99,000 | $49,000 | $95,000 | $47,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $187,000 | $93,000 | $137,000 | $60,000 | $94,000 |
| 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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