Wayne County, NY Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 4,897 mortgage applications in Wayne County, NY totaling $645.3 million, up 10% from 2020. The average application was for $131,000, and applicants reported an average income of $86,000. 64% of applications resulted in an originated loan and 13% were denied. The most active lender was ESL Federal Credit Union, with 619 applications, followed by Reliant Community FCU and Lyons National 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 | 4,897 |
| Total Mortgage Loan Application Amount | $645,285,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $8,195,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,835,000 |
* 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 |
|---|---|---|---|---|
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,813,674,000 | 619 | $ 57,945,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 473,195,000 | 489 | $ 40,695,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 365 | $ 44,185,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 276 | $ 30,350,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 258 | $ 48,230,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 180 | $ 15,140,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 179 | $ 29,115,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 155 | $ 15,725,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 140 | $ 28,520,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 117 | $ 17,355,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 105 | $ 20,865,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 574,696,000 | 91 | $ 16,745,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 82 | $ 6,790,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 80 | $ 12,720,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 76 | $ 12,160,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 71 | $ 9,985,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 68 | $ 10,270,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 57 | $ 9,785,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 55 | $ 10,175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 53 | $ 8,595,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 229,657,000 | 47 | $ 4,225,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 47 | $ 7,045,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 39 | $ 5,845,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 39 | $ 2,585,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 37 | $ 2,875,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 37 | $ 6,105,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 33 | $ 5,305,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 33 | $ 3,635,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 32 | $ 6,800,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 31 | $ 5,515,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 28 | $ 4,960,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 4,703,101,000 | 25 | $ 2,575,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 25 | $ 3,715,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 24 | $ 4,100,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 23 | $ 3,935,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 23 | $ 1,275,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 1,444,951,000 | 20 | $ 3,990,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,346,616,000 | 20 | $ 2,280,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 19 | $ 3,475,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 18 | $ 5,890,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 18 | $ 2,920,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 18 | $ 3,340,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 17 | $ 1,835,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,265,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 17 | $ 2,435,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 418,586,000 | 17 | $ 2,615,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 16 | $ 970,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 15 | $ 2,045,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 368,478,000 | 15 | $ 1,305,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 14 | $ 2,300,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 14 | $ 1,980,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 13 | $ 2,235,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 12 | $ 1,990,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 12 | $ 1,730,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 11 | $ 2,545,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,610,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 9 | $ 1,735,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 9 | $ 965,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 9 | $ 875,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 9 | $ 1,165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 9 | $ 775,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 7 | $ 1,385,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 7 | $ 675,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 6 | $ 750,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 6 | $ 900,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 9,467,660,000 | 5 | $ 315,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 5 | $ 655,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 347,773,000 | 5 | $ 825,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 167,333,000 | 5 | $ 285,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 745,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 5 | $ 825,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 1,231,695,000 | 5 | $ 2,075,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 940,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 4 | $ 620,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 4 | $ 630,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 4,055,933,000 | 4 | $ 220,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 840,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,090,000,000 | 4 | $ 480,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 3 | $ 235,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 405,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 515,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 3 | $ 85,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 3 | $ 355,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 595,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 3 | $ 725,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 2 | $ 610,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 2 | $ 250,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 80,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 2 | $ 410,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,326,463,000 | 2 | $ 120,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 310,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 260,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 30,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 451,290,000 | 2 | $ 370,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 2 | $ 390,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,751,794,000 | 2 | $ 140,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 190,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 210,294,000 | 2 | $ 120,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 190,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 2 | $ 450,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 164,719,000 | 2 | $ 630,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 271,039,000 | 2 | $ 230,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 330,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 265,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 225,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 115,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 882,183,000 | 1 | $ 105,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 135,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 195,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 415,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,240,524,000 | 1 | $ 185,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 1 | $ 645,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 535,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ -1,000 | 1 | $ 315,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 215,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 185,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 215,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 125,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 841,254,000 | 1 | $ 25,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,361,090,000 | 1 | $ 45,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 185,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,100,500,000 | 1 | $ 145,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 255,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 225,000 |
| Hughes Federal Credit Union 971 W WETMORE RD TUCSON, AZ 85705 |
* | $ -1,000 | 1 | $ 35,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 195,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,504,251,000 | 1 | $ 25,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,092,445,000 | 1 | $ 165,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 85,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 165,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 185,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 205,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 85,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 225,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 155,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 275,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 394,658,000 | 1 | $ 105,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 65,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 172,887,701,000 | 1 | $ 185,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 1 | $ 75,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 275,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 185,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,510,826,000 | 1 | $ 285,000 |
The tables below break down 2021 mortgage applications in Wayne 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 Wayne County, NY in 2021
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 | 1,780 | $294,920,000 | $165,000 | $2,765,000 | $81,000 | $1,238,000 |
| Refinancing | 1,328 | $180,200,000 | $135,000 | $8,195,000 | $86,000 | $857,000 |
| Cash-out Refinancing | 786 | $108,230,000 | $137,000 | $575,000 | $92,000 | $1,835,000 |
| Home Improvement | 541 | $30,115,000 | $55,000 | $605,000 | $85,000 | $538,000 |
| Other Purpose | 414 | $27,560,000 | $66,000 | $505,000 | $93,000 | $1,524,000 |
| Not Applicable | 48 | $4,260,000 | $88,000 | $255,000 | $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 | 3,887 | $490,155,000 | $126,000 | $2,765,000 | $86,000 | $1,835,000 |
| Not applicable | 427 | $75,725,000 | $177,000 | $8,195,000 | $62,000 | $172,000 |
| Not Provided | 378 | $53,260,000 | $140,000 | $645,000 | $94,000 | $1,024,000 |
| Hispanic | 89 | $11,685,000 | $131,000 | $405,000 | $72,000 | $200,000 |
| Black or African American | 73 | $8,755,000 | $119,000 | $535,000 | $63,000 | $312,000 |
| American Indian or Alaskan Native | 23 | $2,955,000 | $128,000 | $285,000 | $68,000 | $105,000 |
| Asian | 14 | $1,790,000 | $127,000 | $255,000 | $95,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $510,000 | $255,000 | $375,000 | $83,000 | $137,000 |
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) | 4,050 | $515,380,000 | $127,000 | $8,195,000 | $89,000 | $1,835,000 |
| FHA-insured (Federal Housing Administration) | 526 | $76,790,000 | $145,000 | $365,000 | $64,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 212 | $38,310,000 | $180,000 | $415,000 | $79,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $14,805,000 | $135,000 | $225,000 | $53,000 | $91,000 |
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 | 3,135 | $425,665,000 | $135,000 | $8,195,000 | $90,000 | $1,835,000 |
| Application Denied By Financial Institution | 625 | $57,475,000 | $91,000 | $545,000 | $66,000 | $1,024,000 |
| Loan Purchased By The Institution | 536 | $86,400,000 | $161,000 | $605,000 | $81,000 | $302,000 |
| Application Withdrawn By Applicant | 343 | $47,335,000 | $138,000 | $2,765,000 | $83,000 | $1,080,000 |
| File Closed For Incompleteness | 143 | $17,325,000 | $121,000 | $525,000 | $94,000 | $375,000 |
| Application Approved But Not Accepted | 115 | $11,085,000 | $96,000 | $355,000 | $79,000 | $340,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,248 | $584,160,000 | $137,000 | $8,195,000 | $89,000 | $1,835,000 |
| Debt-To-Income Ratio | 231 | $21,625,000 | $93,000 | $1,365,000 | $51,000 | $293,000 |
| Credit History | 150 | $10,630,000 | $70,000 | $255,000 | $69,000 | $273,000 |
| Collateral | 121 | $13,025,000 | $107,000 | $545,000 | $75,000 | $243,000 |
| Other | 57 | $5,505,000 | $96,000 | $265,000 | $92,000 | $1,024,000 |
| Credit Application Incomplete | 52 | $5,750,000 | $110,000 | $235,000 | $75,000 | $204,000 |
| Unverifiable Information | 19 | $1,955,000 | $102,000 | $195,000 | $93,000 | $325,000 |
| Employment History | 10 | $1,380,000 | $138,000 | $285,000 | $65,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,255,000 | $139,000 | $195,000 | $67,000 | $162,000 |
| 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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