Yates County, NY Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,107 mortgage applications in Yates County, NY totaling $234.9 million, up 2% from 2020. The average application was for $212,000, and applicants reported an average income of $139,000. 66% of applications resulted in an originated loan and 12% were denied. The most active lender was Lyons National Bank, with 223 applications, followed by Community Bank, N.A. and ESL Federal Credit Union.

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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 1,107
Total Mortgage Loan Application Amount $234,885,000
Average Mortgage Loan Application Amount $212,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $139,000
Highest Applicant Income $1,965,000

Mortgage Company List for Lending in Yates County, NY for 2021

* 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
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,163,579,000 223 $ 41,725,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 11,209,976,000 91 $ 10,555,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 6,813,674,000 77 $ 10,815,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 70 $ 23,130,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 4,346,616,000 50 $ 5,860,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,998,725,000 47 $ 15,915,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 46 $ 13,130,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 33 $ 5,125,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,504,251,000 28 $ 6,270,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 574,696,000 26 $ 9,980,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 21 $ 5,145,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ 320,929,000 19 $ 1,275,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 473,195,000 19 $ 1,885,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 18 $ 3,770,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 2,575,000
Finger Lakes Federal Credit Union
27 SENECA ST, PO BOX 433
GENEVA, NY 14456
* $ 167,333,000 10 $ 1,210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 10 $ 810,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 10 $ 1,580,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 1,231,695,000 9 $ 3,195,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 3,355,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 8 $ 2,970,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 665,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 7 $ 3,855,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 7 $ 2,155,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,675,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,580,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 1,450,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 1,000,696,000 6 $ 890,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 4,274,925,000 6 $ 810,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,751,794,000 5 $ 3,205,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 415,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 607,045,000 5 $ 745,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 675,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 5 $ 1,185,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,954,367,000 4 $ 240,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 492,964,000 4 $ 640,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 480,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 990,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 4 $ 430,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 550,000
Pittsford Federal Credit Union
20 TOBEY VILLAGE RD, PO BOX 346
PITTSFORD, NY 14534
* $ 418,586,000 4 $ 1,250,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 83,036,000,000 4 $ 3,260,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 980,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 3 $ 935,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 347,773,000 3 $ 505,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 585,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 455,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 855,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 1,525,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,240,524,000 3 $ 405,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 525,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 3 $ 425,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 2 $ 490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 300,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 3,740,508,000 2 $ 680,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 2 $ 380,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 1,111,391,000 2 $ 260,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 2 $ 580,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 487,977,000 2 $ 550,000
Evans Bank NA
6460 MAIN STREET
BUFFALO, NY 14221
* $ 1,444,951,000 2 $ 450,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 490,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 530,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 770,000
Pathfinder Bank
214 WEST 1ST STREET
OSWEGO, NY 13126
* $ 1,090,000,000 2 $ 860,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 2 $ 190,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 1,090,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 1 $ 205,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 115,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 55,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 105,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 195,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 265,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 4,055,933,000 1 $ 75,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 155,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 2,805,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 365,000
The Bank of Castile
90 MAIN ST
BATAVIA, NY 14020
* $ 1,510,826,000 1 $ 195,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 4,703,101,000 1 $ 245,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 235,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,638,285,000 1 $ 125,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 445,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 545,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 105,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,893,793,000 1 $ 305,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 185,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 1 $ 295,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 245,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 1 $ 605,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ 229,657,000 1 $ 75,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 755,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,921,403,000 1 $ 305,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 1 $ 165,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ 996,248,000 1 $ 435,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 65,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 85,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 584,882,000 1 $ 105,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 319,196,000 1 $ 105,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 35,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 65,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 555,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 55,000
Seneca Savings
35 OSWEGO ST.
BALDWINSVILLE, NY 13027
* $ 210,294,000 1 $ 85,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 335,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 65,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 235,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 2,063,683,000 1 $ 185,000

The tables below break down 2021 mortgage applications in Yates 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 Yates 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 410 $102,020,000 $248,000 $1,915,000 $151,000 $1,772,000
Refinancing 302 $60,180,000 $199,000 $755,000 $153,000 $1,965,000
Cash-out Refinancing 217 $54,005,000 $248,000 $2,805,000 $118,000 $771,000
Home Improvement 108 $9,980,000 $92,000 $505,000 $97,000 $734,000
Other Purpose 60 $7,990,000 $133,000 $1,085,000 $143,000 $1,086,000
Not Applicable 10 $710,000 $71,000 $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 901 $187,445,000 $208,000 $2,805,000 $136,000 $1,965,000
Not applicable 96 $27,160,000 $282,000 $1,915,000 $81,000 $83,000
Not Provided 86 $15,680,000 $182,000 $545,000 $154,000 $1,700,000
Hispanic 14 $1,930,000 $137,000 $375,000 $137,000 $492,000
Asian 5 $1,955,000 $391,000 $635,000 $504,000 $1,086,000
Black or African American 3 $645,000 $215,000 $385,000 $141,000 $232,000
American Indian or Alaskan Native 2 $70,000 $35,000 $35,000 $48,000 $65,000
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) 997 $218,295,000 $218,000 $2,805,000 $145,000 $1,965,000
FHA-insured (Federal Housing Administration) 63 $8,315,000 $131,000 $255,000 $54,000 $126,000
VA-guaranteed (Veterans Administration) 38 $7,300,000 $192,000 $445,000 $75,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $975,000 $108,000 $215,000 $40,000 $59,000

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 729 $157,475,000 $216,000 $1,915,000 $143,000 $1,965,000
Application Denied By Financial Institution 135 $18,435,000 $136,000 $505,000 $99,000 $1,700,000
Loan Purchased By The Institution 110 $29,760,000 $270,000 $1,205,000 $194,000 $1,965,000
Application Withdrawn By Applicant 76 $17,060,000 $224,000 $2,805,000 $133,000 $955,000
Application Approved But Not Accepted 30 $7,280,000 $242,000 $885,000 $177,000 $1,097,000
File Closed For Incompleteness 27 $4,875,000 $180,000 $435,000 $126,000 $475,000
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 938 $211,000,000 $224,000 $2,805,000 $147,000 $1,965,000
Debt-To-Income Ratio 91 $13,505,000 $148,000 $1,915,000 $92,000 $1,700,000
Collateral 29 $3,725,000 $128,000 $265,000 $101,000 $492,000
Credit History 23 $2,295,000 $99,000 $365,000 $71,000 $164,000
Credit Application Incomplete 12 $2,260,000 $188,000 $385,000 $215,000 $1,452,000
Other 6 $570,000 $95,000 $175,000 $82,000 $149,000
Unverifiable Information 5 $1,025,000 $205,000 $505,000 $55,000 $100,000
Employment History 2 $290,000 $145,000 $185,000 $116,000 $193,000
Insufficient Cash (Downpayment, Closing Cost) 1 $215,000 $215,000 $215,000 $54,000 $54,000
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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