Schuyler County, NY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 468 mortgage applications in Schuyler County, NY totaling $70.0 million, down 8% from 2023. The average application was for $149,000, and applicants reported an average income of $118,000. 61% of applications resulted in an originated loan and 21% were denied. The most active lender was Community Bank, N.A., with 50 applications, followed by Corning Credit Union and Chemung Canal Trust Company.
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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 | 468 |
| Total Mortgage Loan Application Amount | $70,010,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $1,943,000 |
* 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 |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 50 | $ 5,520,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 35 | $ 3,835,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ n/a | 29 | $ 3,415,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 29 | $ 3,655,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 27 | $ 4,815,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 27 | $ 3,315,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ n/a | 17 | $ 1,425,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 15 | $ 3,325,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 14 | $ 1,380,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ n/a | 14 | $ 2,350,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 13 | $ 3,015,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 12 | $ 1,870,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 10 | $ 1,370,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 1,150,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ n/a | 7 | $ 825,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 390,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 1,415,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 845,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ n/a | 5 | $ 785,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 5 | $ 925,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 5 | $ 1,105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 715,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 4 | $ 900,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 4 | $ 900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 820,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 590,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 3 | $ 465,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 665,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 325,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 3 | $ 675,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 605,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ n/a | 3 | $ 405,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 3 | $ 355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 355,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ n/a | 3 | $ 685,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 3 | $ 985,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 3 | $ 675,000 |
| Cayuga Lake National Bank 165 CAYUGA ST UNION SPRINGS, NY 13160 |
* | $ n/a | 2 | $ 80,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 210,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 360,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ n/a | 2 | $ 620,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 2 | $ 220,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 110,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ n/a | 2 | $ 570,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 430,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 460,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ n/a | 2 | $ 90,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 380,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 65,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 365,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 235,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ n/a | 1 | $ 145,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 125,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 385,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 245,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 405,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 265,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 355,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 215,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 235,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 1 | $ 325,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 85,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 215,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ n/a | 1 | $ 85,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ n/a | 1 | $ 355,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 175,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ n/a | 1 | $ 195,000 |
The tables below break down 2024 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 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 | 219 | $44,385,000 | $202,000 | $635,000 | $149,000 | $1,943,000 |
| Home Improvement | 79 | $5,925,000 | $75,000 | $425,000 | $94,000 | $338,000 |
| Other Purpose | 76 | $6,180,000 | $81,000 | $405,000 | $92,000 | $309,000 |
| Cash-out Refinancing | 56 | $8,150,000 | $145,000 | $425,000 | $94,000 | $271,000 |
| Refinancing | 36 | $5,160,000 | $143,000 | $675,000 | $88,000 | $251,000 |
| Not Applicable | 2 | $210,000 | $105,000 | $115,000 | $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 | 377 | $54,695,000 | $145,000 | $675,000 | $116,000 | $1,943,000 |
| Not Provided | 52 | $8,150,000 | $156,000 | $415,000 | $132,000 | $465,000 |
| Not applicable | 18 | $3,560,000 | $197,000 | $375,000 | $206,000 | $251,000 |
| Hispanic | 9 | $1,205,000 | $133,000 | $285,000 | $107,000 | $220,000 |
| Asian | 7 | $1,475,000 | $210,000 | $325,000 | $143,000 | $240,000 |
| Black or African American | 4 | $870,000 | $217,000 | $265,000 | $154,000 | $245,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $44,000 | $44,000 |
| 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) | 426 | $62,380,000 | $146,000 | $675,000 | $122,000 | $1,943,000 |
| FHA-insured (Federal Housing Administration) | 30 | $5,150,000 | $171,000 | $375,000 | $72,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,355,000 | $214,000 | $405,000 | $102,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $54,000 | $54,000 |
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 | 284 | $43,400,000 | $152,000 | $675,000 | $126,000 | $1,943,000 |
| Application Denied By Financial Institution | 97 | $11,805,000 | $121,000 | $425,000 | $86,000 | $370,000 |
| Application Withdrawn By Applicant | 46 | $7,420,000 | $161,000 | $635,000 | $102,000 | $309,000 |
| Loan Purchased By The Institution | 16 | $3,570,000 | $223,000 | $425,000 | $300,000 | $793,000 |
| Application Approved But Not Accepted | 13 | $2,105,000 | $161,000 | $355,000 | $145,000 | $490,000 |
| File Closed For Incompleteness | 11 | $1,585,000 | $144,000 | $365,000 | $137,000 | $370,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $80,000 | $80,000 |
| 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 | 342 | $55,550,000 | $162,000 | $675,000 | $130,000 | $1,943,000 |
| Debt-To-Income Ratio | 62 | $8,100,000 | $130,000 | $425,000 | $81,000 | $370,000 |
| Collateral | 24 | $2,920,000 | $121,000 | $315,000 | $116,000 | $338,000 |
| Credit History | 23 | $1,785,000 | $77,000 | $235,000 | $67,000 | $137,000 |
| Other | 11 | $795,000 | $72,000 | $155,000 | $76,000 | $191,000 |
| Credit Application Incomplete | 5 | $815,000 | $163,000 | $285,000 | $159,000 | $220,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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