In 2021, lenders reported 3,986 mortgage applications in Warren County, NY totaling $910.1 million, up 5% from 2020. The average application was for $228,000, and applicants reported an average income of $132,000. 64% of applications resulted in an originated loan and 12% were denied. The most active lender was Arrow Bank NA, with 548 applications, followed by Homestead Funding Corp. and Trustco 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 | 3,986 |
| Total Mortgage Loan Application Amount | $910,110,000 |
| Average Mortgage Loan Application Amount | $228,000 |
| Highest Mortgage Loan Application Amount | $9,665,000 |
| Average Applicant Income | $132,000 |
| Highest Applicant Income | $3,391,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 2,564,325,000 | 548 | $ 133,080,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 355 | $ 82,625,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 5,220,288,000 | 203 | $ 36,385,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 196 | $ 47,280,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 173 | $ 29,875,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 279,248,000 | 152 | $ 20,550,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 114 | $ 26,140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 102 | $ 19,510,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 80 | $ 33,290,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 79 | $ 19,865,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,237,461,000 | 75 | $ 18,405,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 69 | $ 11,365,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 68 | $ 18,000,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 68 | $ 16,150,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 235,855,000 | 68 | $ 9,700,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 56 | $ 22,910,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 52 | $ 21,790,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 45 | $ 13,485,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 45 | $ 14,175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 43 | $ 7,025,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 740,218,000 | 40 | $ 10,530,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 4,055,933,000 | 38 | $ 3,580,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 38 | $ 5,980,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 35 | $ 9,585,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 35 | $ 9,445,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 34 | $ 2,770,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 32 | $ 6,500,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 30 | $ 6,220,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 30 | $ 8,080,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 1,943,306,000 | 28 | $ 2,210,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 25 | $ 5,965,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 24 | $ 5,290,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 23 | $ 5,535,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 22 | $ 4,390,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 22 | $ 1,010,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 20 | $ 5,250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 19 | $ 4,535,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 642,968,000 | 19 | $ 5,055,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 16 | $ 1,440,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 584,882,000 | 15 | $ 7,635,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 14 | $ 2,380,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,751,794,000 | 14 | $ 4,670,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 13,181,399,000 | 13 | $ 3,615,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 13 | $ 3,165,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 12 | $ 2,430,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 12 | $ 3,080,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 3,390,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 325,368,000 | 11 | $ 2,135,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 10 | $ 2,510,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 1,560,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 9 | $ 545,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 1,390,142,000 | 9 | $ 1,825,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 5,351,288,000 | 8 | $ 1,460,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 8 | $ 1,690,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 483,117,000 | 7 | $ 1,385,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 7 | $ 1,635,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 960,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 334,575,000 | 6 | $ 1,320,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 1,800,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 1,720,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,110,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 84,670,854,000 | 6 | $ 1,140,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 6 | $ 1,340,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 6 | $ 1,550,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 9,467,660,000 | 6 | $ 1,210,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 6 | $ 1,590,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 440,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 6 | $ 1,230,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 37,441,578,000 | 6 | $ 2,910,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 6 | $ 910,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 5 | $ 1,095,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 5 | $ 655,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 545,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 5 | $ 1,255,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 1,295,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 1,435,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 645,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 5 | $ 965,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 5 | $ 1,615,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 5 | $ 685,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 4 | $ 1,010,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 4 | $ 1,240,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 4 | $ 530,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 4 | $ 720,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 4 | $ 1,200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 4 | $ 320,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 1,540,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 4 | $ 2,470,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 394,658,000 | 3 | $ 645,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 3 | $ 865,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 3 | $ 645,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 1,285,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 3 | $ 825,000 |
| Quik Fund, Inc. 900 STEWART AVE SUITE 240 GARDEN CITY, NY 11530 |
* | $ -1,000 | 3 | $ 545,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 3 | $ 1,055,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 1,105,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 216,654,000,000 | 3 | $ 2,515,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 185,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 30,412,303,000 | 3 | $ 735,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 815,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 3 | $ 1,135,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 164,719,000 | 2 | $ 690,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 2 | $ 1,680,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 93,347,000 | 2 | $ 310,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 410,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 430,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 650,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 2 | $ 260,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 540,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 400,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 2 | $ 360,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ -1,000 | 2 | $ 510,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 116,263,634,000 | 2 | $ 3,640,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 2 | $ 440,000 |
| Teg Federal Credit Union 1 COMMERCE ST. POUGHKEEPSIE, NY 12603 |
* | $ 305,532,000 | 2 | $ 370,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 2 | $ 4,980,000 |
| Bond Street Mortgage, LLC 115 WEST CENTURY ROAD PARAMUS, NJ 07652 |
* | $ -1,000 | 2 | $ 330,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 360,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 7,508,575,000 | 2 | $ 1,060,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 3,481,966,000 | 2 | $ 770,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 450,000 |
| Mahopac Bank 1442 RT 22 BREWSTER, NY 10509 |
* | $ 1,338,214,000 | 2 | $ 910,000 |
| Wall Street Mortgage Bankers, Ltd. dba Power Expre 1010 NORTHERN BLVD., SUITE 336 GREAT NECK, NY 11021 |
* | $ -1,000 | 2 | $ 640,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 2 | $ 210,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ -1,000 | 1 | $ 605,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 1 | $ 185,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ -1,000 | 1 | $ 235,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 325,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 61,390,143,000 | 1 | $ 2,475,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 1 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 725,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 255,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 841,254,000 | 1 | $ 75,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 205,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 4,410,250,000 | 1 | $ 165,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 85,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 1,047,759,000 | 1 | $ 215,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 405,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 1 | $ 255,000 |
| Investors Bank 101 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 26,708,543,000 | 1 | $ 125,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ 1,439,651,000 | 1 | $ 45,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 425,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ -1,000 | 1 | $ 455,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 305,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,361,090,000 | 1 | $ 235,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 1 | $ 305,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 2,749,196,000 | 1 | $ 405,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 656,261,000 | 1 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 335,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 11,335,522,000 | 1 | $ 415,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 345,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 115,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 1 | $ 245,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 305,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 1 | $ 135,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 35,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 305,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 325,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 245,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 319,196,000 | 1 | $ 55,000 |
| Sprout Mortgage, LLC 1759 ST LUCIE W BLVD PORT LUCIE, FL 34986 |
* | $ -1,000 | 1 | $ 785,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 1,636,039,000 | 1 | $ 205,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 135,000 |
| Trademark FCU 44 EDISON DRIVE AUGUSTA, ME 04330 |
* | $ 91,838,000 | 1 | $ 5,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 425,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 235,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 135,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,529,015,000 | 1 | $ 255,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 225,000 |
| Cathay Bank 9650 FLAIR DRIVE LOS ANGELES, CA 90012 |
* | $ 18,066,529,000 | 1 | $ 215,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 505,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 245,000 |
| Wallkill Valley Federal Savings & Loan Association 23 WALLKILL AVENUE WALLKILL, NY 12589 |
* | $ 327,786,000 | 1 | $ 1,105,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 172,887,701,000 | 1 | $ 335,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 1 | $ 185,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 1 | $ 335,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 255,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 125,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 3,255,099,000 | 1 | $ 195,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 165,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 1 | $ 425,000 |
| Amalgamated Bank 275 SEVENTH AVENUE NEW YORK, NY 10001 |
* | $ 5,324,945,000 | 1 | $ 305,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 225,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 435,994,000 | 1 | $ 235,000 |
The tables below break down 2021 mortgage applications in Warren 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 | 1,671 | $463,275,000 | $277,000 | $9,665,000 | $135,000 | $1,953,000 |
| Refinancing | 1,077 | $221,745,000 | $205,000 | $2,965,000 | $133,000 | $1,464,000 |
| Cash-out Refinancing | 722 | $170,140,000 | $235,000 | $4,705,000 | $123,000 | $1,792,000 |
| Home Improvement | 285 | $23,035,000 | $80,000 | $1,005,000 | $119,000 | $3,391,000 |
| Other Purpose | 205 | $29,155,000 | $142,000 | $1,505,000 | $151,000 | $2,616,000 |
| Not Applicable | 26 | $2,760,000 | $106,000 | $255,000 | $17,000 | $23,000 |
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 | 3,112 | $678,640,000 | $218,000 | $4,425,000 | $130,000 | $3,391,000 |
| Not Provided | 512 | $125,180,000 | $244,000 | $2,805,000 | $141,000 | $1,738,000 |
| Not applicable | 220 | $75,620,000 | $343,000 | $9,665,000 | $150,000 | $432,000 |
| Hispanic | 57 | $12,185,000 | $213,000 | $545,000 | $123,000 | $692,000 |
| Asian | 36 | $9,980,000 | $277,000 | $1,405,000 | $162,000 | $1,425,000 |
| Black or African American | 25 | $4,755,000 | $190,000 | $415,000 | $92,000 | $169,000 |
| American Indian or Alaskan Native | 15 | $2,345,000 | $156,000 | $435,000 | $84,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $325,000 | $249,000 | $328,000 |
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) | 3,287 | $768,785,000 | $233,000 | $9,665,000 | $141,000 | $3,391,000 |
| FHA-insured (Federal Housing Administration) | 469 | $86,525,000 | $184,000 | $735,000 | $64,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 206 | $50,590,000 | $245,000 | $595,000 | $79,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,210,000 | $175,000 | $265,000 | $52,000 | $81,000 |
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 | 2,535 | $616,495,000 | $243,000 | $9,665,000 | $138,000 | $3,391,000 |
| Application Denied By Financial Institution | 490 | $88,540,000 | $180,000 | $2,805,000 | $101,000 | $1,575,000 |
| Application Withdrawn By Applicant | 430 | $91,450,000 | $212,000 | $1,505,000 | $126,000 | $1,600,000 |
| Loan Purchased By The Institution | 303 | $67,775,000 | $223,000 | $1,955,000 | $126,000 | $704,000 |
| File Closed For Incompleteness | 121 | $23,125,000 | $191,000 | $1,765,000 | $154,000 | $2,616,000 |
| Application Approved But Not Accepted | 100 | $21,400,000 | $214,000 | $645,000 | $123,000 | $692,000 |
| Preapproval Approved but not Accepted | 5 | $1,055,000 | $211,000 | $325,000 | $110,000 | $150,000 |
| Preapproval Denied by Financial Institution | 2 | $270,000 | $135,000 | $135,000 | $25,000 | $50,000 |
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 | 3,365 | $795,335,000 | $236,000 | $9,665,000 | $137,000 | $3,391,000 |
| Debt-To-Income Ratio | 295 | $56,675,000 | $192,000 | $1,445,000 | $84,000 | $739,000 |
| Credit History | 111 | $15,055,000 | $135,000 | $745,000 | $93,000 | $600,000 |
| Credit Application Incomplete | 83 | $15,185,000 | $182,000 | $1,505,000 | $131,000 | $1,575,000 |
| Collateral | 68 | $14,800,000 | $217,000 | $2,805,000 | $136,000 | $1,479,000 |
| Other | 34 | $6,170,000 | $181,000 | $405,000 | $144,000 | $960,000 |
| Unverifiable Information | 16 | $4,720,000 | $295,000 | $1,005,000 | $208,000 | $591,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,430,000 | $178,000 | $305,000 | $76,000 | $160,000 |
| Employment History | 6 | $740,000 | $123,000 | $225,000 | $38,000 | $65,000 |
| 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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