In 2021, lenders reported 814 mortgage applications in Schuyler County, NY totaling $125.2 million, up 20% from 2020. The average application was for $153,000, and applicants reported an average income of $93,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Visions Federal Credit Union, with 81 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 | 814 |
| Total Mortgage Loan Application Amount | $125,150,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,042,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 81 | $ 8,785,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,504,251,000 | 66 | $ 8,600,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 607,045,000 | 63 | $ 9,035,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,751,794,000 | 59 | $ 9,455,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 45 | $ 6,115,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 492,964,000 | 26 | $ 4,060,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 320,929,000 | 26 | $ 2,290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 24 | $ 4,120,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 19 | $ 1,975,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 16 | $ 2,870,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,092,445,000 | 14 | $ 2,120,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,063,683,000 | 14 | $ 2,590,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 1,740,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 12 | $ 1,980,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 11 | $ 1,315,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 11 | $ 1,945,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 487,977,000 | 11 | $ 1,135,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 11 | $ 2,195,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 11 | $ 2,275,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,346,616,000 | 9 | $ 1,065,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 8 | $ 2,850,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,360,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 8 | $ 420,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 7 | $ 2,565,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 7 | $ 1,735,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 7 | $ 1,525,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,638,285,000 | 7 | $ 1,615,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 920,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 590,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 6 | $ 820,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 920,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,515,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 5 | $ 945,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,055,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 220,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 420,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 4 | $ 830,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 4 | $ 540,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 545,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 3 | $ 335,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 415,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 3 | $ 535,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 525,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 115,573,000 | 3 | $ 405,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 375,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 255,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 3 | $ 1,885,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 3 | $ 625,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 85,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 510,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 2 | $ 110,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 2 | $ 330,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 2 | $ 350,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 340,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 880,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 360,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 280,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 167,333,000 | 2 | $ 270,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 2 | $ 330,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 240,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 145,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 30,412,303,000 | 1 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 225,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 195,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 1 | $ 225,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 55,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 75,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 1 | $ 175,000 |
| First Fed Bank 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ 1,295,342,000 | 1 | $ 75,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 95,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 215,000 |
| Mid Penn Bank 349 UNION STREET MILLERSBURG, PA 17061 |
* | $ 2,230,818,000 | 1 | $ 145,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 347,773,000 | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 165,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 1 | $ 365,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 195,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 105,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 1 | $ 35,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 1,231,695,000 | 1 | $ 105,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,813,674,000 | 1 | $ 35,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 65,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 185,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 185,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 185,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 210,294,000 | 1 | $ 255,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 205,000 |
| Gold Credit Union 4703 HAMILTON BLVD ALLENTOWN, PA 18103 |
* | $ 137,711,000 | 1 | $ 195,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 285,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 105,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 15,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 135,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 5,188,505,000 | 1 | $ 325,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2021 mortgage applications in Schuyler County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 361 | $63,695,000 | $176,000 | $1,155,000 | $97,000 | $1,042,000 |
| Refinancing | 188 | $27,920,000 | $148,000 | $545,000 | $93,000 | $432,000 |
| Cash-out Refinancing | 155 | $23,835,000 | $153,000 | $565,000 | $90,000 | $331,000 |
| Home Improvement | 52 | $4,660,000 | $89,000 | $425,000 | $89,000 | $538,000 |
| Other Purpose | 49 | $3,965,000 | $80,000 | $415,000 | $81,000 | $184,000 |
| Not Applicable | 9 | $1,075,000 | $119,000 | $165,000 | $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 | 647 | $94,635,000 | $146,000 | $1,155,000 | $89,000 | $1,042,000 |
| Not Provided | 85 | $15,975,000 | $187,000 | $1,035,000 | $111,000 | $538,000 |
| Not applicable | 58 | $10,310,000 | $177,000 | $1,155,000 | $145,000 | $278,000 |
| Black or African American | 7 | $965,000 | $137,000 | $355,000 | $136,000 | $270,000 |
| Hispanic | 7 | $1,325,000 | $189,000 | $325,000 | $114,000 | $292,000 |
| Asian | 6 | $1,130,000 | $188,000 | $265,000 | $178,000 | $559,000 |
| American Indian or Alaskan Native | 1 | $295,000 | $295,000 | $295,000 | $84,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $64,000 | $64,000 |
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) | 676 | $103,130,000 | $152,000 | $1,155,000 | $97,000 | $1,042,000 |
| FHA-insured (Federal Housing Administration) | 82 | $11,780,000 | $143,000 | $315,000 | $63,000 | $229,000 |
| VA-guaranteed (Veterans Administration) | 48 | $9,160,000 | $190,000 | $345,000 | $67,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,080,000 | $135,000 | $165,000 | $51,000 | $83,000 |
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 | 490 | $78,810,000 | $160,000 | $1,155,000 | $97,000 | $1,042,000 |
| Application Denied By Financial Institution | 121 | $15,515,000 | $128,000 | $425,000 | $73,000 | $432,000 |
| Application Withdrawn By Applicant | 67 | $10,285,000 | $153,000 | $595,000 | $99,000 | $375,000 |
| Loan Purchased By The Institution | 65 | $11,665,000 | $179,000 | $1,155,000 | $107,000 | $278,000 |
| Application Approved But Not Accepted | 40 | $5,520,000 | $138,000 | $405,000 | $104,000 | $419,000 |
| File Closed For Incompleteness | 27 | $2,885,000 | $106,000 | $245,000 | $77,000 | $228,000 |
| Preapproval Approved but not Accepted | 2 | $250,000 | $125,000 | $165,000 | $63,000 | $76,000 |
| Preapproval Denied by Financial Institution | 2 | $220,000 | $110,000 | $125,000 | $43,000 | $55,000 |
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 | 651 | $105,225,000 | $161,000 | $1,155,000 | $98,000 | $1,042,000 |
| Debt-To-Income Ratio | 77 | $8,325,000 | $108,000 | $365,000 | $68,000 | $218,000 |
| Credit History | 29 | $2,795,000 | $96,000 | $275,000 | $59,000 | $128,000 |
| Collateral | 28 | $3,520,000 | $125,000 | $365,000 | $103,000 | $432,000 |
| Other | 14 | $1,990,000 | $142,000 | $265,000 | $79,000 | $242,000 |
| Credit Application Incomplete | 6 | $1,370,000 | $228,000 | $425,000 | $118,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $960,000 | $240,000 | $305,000 | $123,000 | $267,000 |
| Unverifiable Information | 2 | $350,000 | $175,000 | $185,000 | $25,000 | $50,000 |
| Employment History | 2 | $520,000 | $260,000 | $285,000 | $47,000 | $94,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
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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