Wyoming County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 928 mortgage applications in Wyoming County, NY totaling $117.9 million, down 21% from 2022. The average application was for $127,000, and applicants reported an average income of $91,000. 61% of applications resulted in an originated loan and 18% were denied. The most active lender was M&T Bank, with 84 applications, followed by Tompkins Community Bank and Five Star 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 | 928 |
| Total Mortgage Loan Application Amount | $117,920,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $636,000 |
* 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 |
|---|---|---|---|---|
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 84 | $ 7,910,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 7,630,619,000 | 84 | $ 11,190,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 5,756,441,000 | 73 | $ 7,205,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 65 | $ 11,265,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 9,158,466,000 | 56 | $ 3,330,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 55 | $ 6,255,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ 142,492,000 | 39 | $ 2,425,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 39 | $ 6,015,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 28 | $ 5,570,000 |
| Bank of Holland 12 SOUTH MAIN ST. HOLLAND, NY 14080 |
* | $ 205,591,000 | 22 | $ 2,400,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 21 | $ 1,175,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 18 | $ 2,280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 2,585,000 |
| Alden State Bank 13216 BROADWAY ALDEN, NY 14004 |
* | $ 432,448,000 | 15 | $ 1,905,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 15 | $ 2,615,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 2,325,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 11 | $ 1,705,000 |
| Cornerstone Community FCU 6485 S. TRANSIT ROAD LOCKPORT, NY 14094 |
* | $ 570,452,000 | 9 | $ 545,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 9 | $ 2,125,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 9 | $ 2,785,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 8 | $ 1,640,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 8 | $ 1,290,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,465,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 895,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 7 | $ 1,365,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 7 | $ 975,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 300,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 390,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,130,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 5 | $ 865,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 7,999,108,000 | 5 | $ 465,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 595,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 465,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 430,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 880,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,295,200,000 | 4 | $ 270,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 4 | $ 320,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 550,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 640,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 315,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 3 | $ 245,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,453,779,000 | 3 | $ 795,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 3 | $ 225,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 2,163,105,000 | 3 | $ 685,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 485,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 3,193,673,000 | 3 | $ 1,055,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 3 | $ 465,000 |
| Moog Employees FCU 7181 SENECA STREET EAST AURORA, NY 14052 |
* | $ 234,564,000 | 3 | $ 95,000 |
| Western Division Federal Credit Union 6750 MAIN ST WILLIAMSVILLE, NY 14221 |
* | $ 180,774,000 | 3 | $ 195,000 |
| Great Erie Federal Credit Union 4000 NORTH BUFFALO RD ORCHARD PARK, NY 14127 |
* | $ 134,219,000 | 2 | $ 90,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 477,259,000 | 2 | $ 90,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 310,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 180,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 340,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 250,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 300,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 440,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 230,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 160,000 |
| Lake Shore Bank 31 E FOURTH STREET DUNKIRK, NY 14048 |
* | $ 699,568,000 | 2 | $ 310,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 80,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 400,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 435,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 55,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 307,327,000 | 1 | $ 55,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 308,456,000 | 1 | $ 125,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 166,783,000 | 1 | $ 55,000 |
| Ontario Shores FCU 2890 TRANSIT RD, PO BOX 9 NEWFANE, NY 14108 |
* | $ 145,360,000 | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 1,116,398,000 | 1 | $ 55,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 65,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 753,438,000 | 1 | $ 55,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 440,547,000 | 1 | $ 55,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 632,715,000 | 1 | $ 95,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 384,938,000 | 1 | $ 175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 6,668,165,000 | 1 | $ 65,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 195,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 205,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 155,000 |
| Kenmore N.Y. Teachers Federal Credit Union 2265 SHERIDAN DR BUFFALO, NY 14223 |
* | $ 64,543,000 | 1 | $ 15,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 1 | $ 85,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 145,000 |
| Nextier Bank, National Association 245 PITTSBURGH RD KITTANNING, PA 16201 |
* | $ 1,991,078,000 | 1 | $ 725,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 25,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 185,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 145,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 205,000 |
| St. Josephs Parish Federal Credit Union 341 ENGLEWOOD AVE BUFFALO, NY 14223 |
* | $ 121,891,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Wyoming 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 Wyoming County, NY in 2023
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 | 430 | $71,150,000 | $165,000 | $815,000 | $89,000 | $333,000 |
| Home Improvement | 174 | $11,490,000 | $66,000 | $305,000 | $89,000 | $360,000 |
| Other Purpose | 130 | $10,020,000 | $77,000 | $455,000 | $99,000 | $636,000 |
| Refinancing | 106 | $13,250,000 | $125,000 | $705,000 | $87,000 | $309,000 |
| Cash-out Refinancing | 84 | $11,760,000 | $140,000 | $485,000 | $91,000 | $542,000 |
| Not Applicable | 4 | $250,000 | $62,000 | $135,000 | $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 | 783 | $95,565,000 | $122,000 | $815,000 | $89,000 | $636,000 |
| Not applicable | 71 | $12,525,000 | $176,000 | $815,000 | $78,000 | $101,000 |
| Not Provided | 56 | $8,020,000 | $143,000 | $575,000 | $116,000 | $331,000 |
| Hispanic | 10 | $910,000 | $91,000 | $245,000 | $98,000 | $163,000 |
| American Indian or Alaskan Native | 3 | $355,000 | $118,000 | $195,000 | $108,000 | $144,000 |
| Black or African American | 3 | $325,000 | $108,000 | $165,000 | $58,000 | $85,000 |
| Asian | 2 | $220,000 | $110,000 | $195,000 | $56,000 | $68,000 |
| 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) | 752 | $89,940,000 | $119,000 | $815,000 | $93,000 | $636,000 |
| FHA-insured (Federal Housing Administration) | 117 | $17,795,000 | $152,000 | $365,000 | $79,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 39 | $7,605,000 | $195,000 | $445,000 | $91,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,580,000 | $129,000 | $205,000 | $62,000 | $87,000 |
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 | 570 | $73,180,000 | $128,000 | $815,000 | $96,000 | $542,000 |
| Application Denied By Financial Institution | 171 | $18,005,000 | $105,000 | $405,000 | $74,000 | $555,000 |
| Loan Purchased By The Institution | 72 | $11,780,000 | $163,000 | $815,000 | $87,000 | $157,000 |
| Application Withdrawn By Applicant | 63 | $9,115,000 | $144,000 | $415,000 | $84,000 | $333,000 |
| File Closed For Incompleteness | 30 | $2,870,000 | $95,000 | $365,000 | $109,000 | $636,000 |
| Application Approved But Not Accepted | 22 | $2,970,000 | $135,000 | $725,000 | $76,000 | $165,000 |
| 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 | 725 | $97,485,000 | $134,000 | $815,000 | $95,000 | $636,000 |
| Debt-To-Income Ratio | 95 | $10,005,000 | $105,000 | $405,000 | $68,000 | $297,000 |
| Credit History | 42 | $3,520,000 | $83,000 | $345,000 | $77,000 | $159,000 |
| Collateral | 38 | $4,020,000 | $105,000 | $385,000 | $97,000 | $555,000 |
| Credit Application Incomplete | 11 | $1,115,000 | $101,000 | $225,000 | $72,000 | $121,000 |
| Other | 8 | $840,000 | $105,000 | $215,000 | $97,000 | $168,000 |
| Unverifiable Information | 5 | $375,000 | $75,000 | $115,000 | $68,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $165,000 | $64,000 | $85,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $48,000 | $48,000 |
| 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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