Schuyler County, NY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 666 mortgage applications in Schuyler County, NY totaling $63.5 million, up 1% from 2010. The average application was for $95,000, and applicants reported an average income of $72,000. 58% of applications resulted in an originated loan and 21% were denied. The most active lender was Chemung Canal Trust Company, with 103 applications, followed by Corning Credit Union and Elmira Savings Bank.
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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 | 666 |
| Total Mortgage Loan Application Amount | $63,518,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,058,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $558,000 |
* 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 |
|---|---|---|---|---|
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 957,179,000 | 103 | $ 7,386,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 832,744,000 | 70 | $ 7,700,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 499,868,000 | 59 | $ 8,003,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,419,722,000 | 59 | $ 4,438,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 43 | $ 4,813,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,525,750,000 | 25 | $ 1,296,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 2,207,220,000 | 23 | $ 1,795,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,009,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 2,549,855,000 | 19 | $ 1,862,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 729,171,000 | 17 | $ 1,390,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 14 | $ 1,654,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 839,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 11 | $ 1,776,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 11 | $ 1,130,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 195,101,367,000 | 9 | $ 769,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 513,234,000 | 9 | $ 1,111,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 8 | $ 606,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 376,984,000 | 8 | $ 335,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 7 | $ 856,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 803,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 737,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 6 | $ 197,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 6 | $ 672,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 6 | $ 348,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 1,034,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 339,179,000 | 5 | $ 187,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 79,475,000 | 5 | $ 174,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 5 | $ 293,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 70,052,000 | 4 | $ 316,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 426,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 3 | $ 226,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 3 | $ 237,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,306,012,000 | 3 | $ 227,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 264,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 256,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 67,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 395,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 624,428,000 | 2 | $ 16,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 61,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 2 | $ 414,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 271,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 228,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 125,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 2 | $ 300,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 229,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 195,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 85,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 2 | $ 74,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 194,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 30,804,513,000 | 1 | $ 88,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 160,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 156,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 165,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,302,543,000 | 1 | $ 40,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 54,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 925,476,000 | 1 | $ 91,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 117,639,000 | 1 | $ 12,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 60,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 56,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 136,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 170,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 156,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 31,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 340,500,000 | 1 | $ 145,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 287,120,000 | 1 | $ 43,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 270,163,000 | 1 | $ 340,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,174,829,000 | 1 | $ 55,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 85,760,000 | 1 | $ 240,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 69,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 186,000 |
The tables below break down 2011 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 2011
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 | 288 | $31,019,000 | $107,000 | $1,058,000 | $74,000 | $405,000 |
| Home Purchase | 226 | $25,830,000 | $114,000 | $350,000 | $76,000 | $558,000 |
| Home Improvement | 152 | $6,669,000 | $43,000 | $496,000 | $61,000 | $250,000 |
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 | 571 | $53,277,000 | $93,000 | $1,058,000 | $74,000 | $558,000 |
| Not Provided | 62 | $6,891,000 | $111,000 | $316,000 | $73,000 | $238,000 |
| Not applicable | 21 | $1,936,000 | $92,000 | $186,000 | $21,000 | $169,000 |
| Black or African American | 5 | $556,000 | $111,000 | $218,000 | $48,000 | $85,000 |
| Asian | 4 | $554,000 | $138,000 | $212,000 | $59,000 | $103,000 |
| Hispanic | 2 | $169,000 | $84,000 | $93,000 | $87,000 | $123,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| 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) | 546 | $50,443,000 | $92,000 | $1,058,000 | $77,000 | $558,000 |
| FHA-insured (Federal Housing Administration) | 87 | $9,417,000 | $108,000 | $245,000 | $50,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 23 | $2,777,000 | $120,000 | $265,000 | $49,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $881,000 | $88,000 | $145,000 | $43,000 | $73,000 |
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 | 387 | $36,820,000 | $95,000 | $1,058,000 | $81,000 | $558,000 |
| Application Denied By Financial Institution | 138 | $11,451,000 | $82,000 | $366,000 | $52,000 | $250,000 |
| Application Withdrawn By Applicant | 59 | $6,374,000 | $108,000 | $417,000 | $82,000 | $370,000 |
| Loan Purchased By The Institution | 42 | $4,761,000 | $113,000 | $229,000 | $42,000 | $169,000 |
| Application Approved But Not Accepted | 26 | $2,497,000 | $96,000 | $340,000 | $72,000 | $187,000 |
| File Closed For Incompleteness | 14 | $1,615,000 | $115,000 | $224,000 | $67,000 | $180,000 |
| 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 | $2,304,000 | $64,000 | $245,000 | $43,000 | $101,000 |
| Debt-To-Income Ratio | 36 | $3,254,000 | $90,000 | $366,000 | $48,000 | $250,000 |
| Collateral | 22 | $2,362,000 | $107,000 | $234,000 | $74,000 | $194,000 |
| Other | 8 | $662,000 | $82,000 | $210,000 | $56,000 | $138,000 |
| Credit Application Incomplete | 5 | $522,000 | $104,000 | $142,000 | $33,000 | $93,000 |
| Employment History | 5 | $200,000 | $40,000 | $65,000 | $34,000 | $60,000 |
| Unverifiable Information | 2 | $209,000 | $104,000 | $148,000 | $59,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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