Seneca County, NY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,185 mortgage applications in Seneca County, NY totaling $112.0 million, up 4% from 2010. The average application was for $94,000, and applicants reported an average income of $82,000. 60% of applications resulted in an originated loan and 21% were denied. The most active lender was Community Bank, N.A., with 149 applications, followed by Five Star Bank and Lyons National Bank.

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Total Number of Mortgage Applications 1,185
Total Mortgage Loan Application Amount $111,950,000
Average Mortgage Loan Application Amount $94,000
Highest Mortgage Loan Application Amount $3,200,000
Average Applicant Income $82,000
Highest Applicant Income $3,000,000

Mortgage Company List for Lending in Seneca County, NY for 2011

* 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
* $ 5,419,722,000 149 $ 8,655,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,207,220,000 138 $ 7,517,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 513,234,000 105 $ 10,523,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 78 $ 9,364,000
Finger Lakes Federal Credit Union
27 SENECA ST, PO BOX 433
GENEVA, NY 14456
* $ 79,475,000 77 $ 4,063,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 239,111,000 73 $ 6,481,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 51 $ 4,990,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 624,428,000 29 $ 1,378,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 27 $ 3,256,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 26 $ 2,178,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 30,804,513,000 24 $ 2,255,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 24 $ 2,163,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 309,783,000 20 $ 586,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 729,171,000 19 $ 1,569,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 19 $ 1,945,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 499,868,000 19 $ 2,363,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 18 $ 1,958,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,525,750,000 17 $ 2,885,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 14 $ 365,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 14 $ 582,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 9 $ 1,436,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 441,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 976,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 85,760,000 8 $ 669,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 1,235,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 7 $ 706,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 7 $ 982,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 494,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 6 $ 344,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 3,932,967,000 6 $ 262,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 5 $ 510,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 5 $ 560,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 195,101,367,000 5 $ 388,000
Beacon Federal
PO BOX 186, 6611 MANLIUS CENTER ROAD
EAST SYRACUSE, NY 13057
* $ 1,032,683,000 5 $ 22,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 5 $ 536,000
Fairport Savings Bank
45 SOUTH MAIN STREET
FAIRPORT, NY 14450
* $ 209,283,000 5 $ 846,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 4 $ 404,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 662,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 957,179,000 4 $ 856,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 4 $ 3,322,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 332,000
Savannah Bank National Association
1565 MAIN STREET
SAVANNAH, NY 13146
* $ 101,465,000 4 $ 239,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ 16,241,000 4 $ 517,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 4 $ 386,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 920,280,000 4 $ 389,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 4 $ 296,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 721,020,000 3 $ 240,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 263,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,302,543,000 3 $ 427,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 3 $ 457,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 3 $ 3,420,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 756,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 248,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 259,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 2 $ 152,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 2 $ 390,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 264,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 2 $ 715,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 1,641,126,000 2 $ 101,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 2 $ 216,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 337,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 179,000
The Funding Source LLC
906 SPENCER STREET
SYRACUSE, NY 13206
* $ 10,000,000 2 $ 213,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 2,549,855,000 2 $ 425,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 92,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 1 $ 101,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 147,635,000 1 $ 88,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 105,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,306,012,000 1 $ 180,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,118,108,000 1 $ 5,000
Auburn Community FCU
PO BOX 867
AUBURN, NY 13021
* $ 61,987,000 1 $ 42,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 832,744,000 1 $ 165,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 925,476,000 1 $ 105,000
Pittsford Federal Credit Union
20 TOBEY VILLAGE RD, PO BOX 346
PITTSFORD, NY 14534
* $ 300,445,000 1 $ 225,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 128,586,000 1 $ 176,000
Actors Federal Credit Union
165 WEST 46TH STREET
NEW YORK, NY 10036
* $ 136,373,000 1 $ 50,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,038,229,000 1 $ 75,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 1 $ 105,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 1 $ 39,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 645,511,000 1 $ 214,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 70,052,000 1 $ 88,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 205,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 65,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 74,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ 15,180,000 1 $ 100,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 385,348,000 1 $ 29,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 75,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 1 $ 146,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 117,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 1 $ 77,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 173,000
Citizens National Bank
110 WEST COURT ST
PARIS, IL 61944
* $ 205,014,000 1 $ 78,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 119,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 183,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 1 $ 3,000,000
E*Trade Savings Bank
671 N. GLEBE RD 12TH FLOOR
ARLINGTON, VA 22203
* $ 1,550,836,000 1 $ 160,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 258,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 94,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 137,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 608,886,000 1 $ 370,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 50,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 113,000

The tables below break down 2011 mortgage applications in Seneca 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 Seneca 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 509 $64,217,000 $126,000 $3,200,000 $92,000 $3,000,000
Home Purchase 360 $38,911,000 $108,000 $740,000 $74,000 $900,000
Home Improvement 316 $8,822,000 $27,000 $415,000 $73,000 $1,468,000

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 1,069 $98,598,000 $92,000 $3,200,000 $83,000 $3,000,000
Not Provided 62 $6,339,000 $102,000 $360,000 $81,000 $445,000
Not applicable 28 $4,871,000 $173,000 $740,000 $49,000 $675,000
Hispanic 12 $1,095,000 $91,000 $252,000 $79,000 $212,000
Asian 9 $829,000 $92,000 $190,000 $95,000 $180,000
American Indian or Alaskan Native 3 $133,000 $44,000 $124,000 $48,000 $74,000
Black or African American 2 $85,000 $42,000 $50,000 $11,000 $22,000
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) 886 $82,511,000 $93,000 $3,200,000 $92,000 $3,000,000
FHA-insured (Federal Housing Administration) 194 $19,313,000 $99,000 $274,000 $51,000 $196,000
VA-guaranteed (Veterans Administration) 55 $5,879,000 $106,000 $238,000 $45,000 $144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 50 $4,247,000 $84,000 $141,000 $48,000 $79,000

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 716 $62,771,000 $87,000 $740,000 $79,000 $1,468,000
Application Denied By Financial Institution 243 $22,606,000 $93,000 $3,200,000 $79,000 $2,525,000
Application Withdrawn By Applicant 97 $11,299,000 $116,000 $3,000,000 $104,000 $3,000,000
Application Approved But Not Accepted 58 $7,219,000 $124,000 $2,880,000 $114,000 $2,204,000
Loan Purchased By The Institution 57 $6,952,000 $121,000 $370,000 $50,000 $417,000
File Closed For Incompleteness 14 $1,103,000 $78,000 $154,000 $78,000 $202,000
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 80 $4,131,000 $51,000 $292,000 $77,000 $890,000
Collateral 49 $8,655,000 $176,000 $3,200,000 $138,000 $2,525,000
Debt-To-Income Ratio 45 $3,329,000 $73,000 $417,000 $49,000 $147,000
Other 8 $1,081,000 $135,000 $650,000 $71,000 $167,000
Unverifiable Information 5 $377,000 $75,000 $149,000 $79,000 $157,000
Credit Application Incomplete 5 $490,000 $98,000 $123,000 $42,000 $69,000
Employment History 4 $309,000 $77,000 $120,000 $39,000 $67,000
Insufficient Cash (Downpayment, Closing Cost) 3 $216,000 $72,000 $77,000 $69,000 $119,000
Mortgage Insurance Denied 1 $146,000 $146,000 $146,000 $97,000 $97,000

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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