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| Location |
Clinton County NY
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 3,412 |
| Total Amount of All Mortgage Loans Applied For | $352,528,000 |
| Average Mortgage Loan Amount Applied For | $103,000 |
| Highest Mortgage Loan Amount Applied For | $1,185,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $4,000,000 |
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| Home Improvement |
635 | $25,437,000 |
$40,000 | $583,000 |
$61,000 | $348,000 |
| Home Purchase |
976 | $123,107,000 |
$126,000 | $1,185,000 |
$69,000 | $1,000,000 |
| Refinancing |
1,801 | $203,984,000 |
$113,000 | $650,000 |
$69,000 | $4,000,000 |
|
| American Indian or Alaskan Native |
11 | $820,000 |
$74,000 | $172,000 |
$54,000 | $103,000 |
| Asian |
19 | $2,891,000 |
$152,000 | $298,000 |
$68,000 | $190,000 |
| Black or African American |
22 | $2,475,000 |
$112,000 | $168,000 |
$65,000 | $111,000 |
| Hispanic |
25 | $1,980,000 |
$79,000 | $240,000 |
$62,000 | $212,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $87,000 |
$43,000 | $77,000 |
$52,000 | $80,000 |
| Not applicable |
141 | $20,734,000 |
$147,000 | $650,000 |
$41,000 | $4,000,000 |
| Not Provided |
297 | $35,525,000 |
$119,000 | $490,000 |
$71,000 | $336,000 |
| White |
2,895 | $288,016,000 |
$99,000 | $1,185,000 |
$68,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,753 | $269,151,000 |
$97,000 | $1,185,000 |
$69,000 | $4,000,000 |
| FHA-insured (Federal Housing Administration) |
561 | $71,322,000 |
$127,000 | $276,000 |
$60,000 | $516,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
45 | $4,598,000 |
$102,000 | $179,000 |
$45,000 | $123,000 |
| VA-guaranteed (Veterans Administration) |
53 | $7,457,000 |
$140,000 | $278,000 |
$59,000 | $126,000 |
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| Application Approved But Not Accepted |
196 | $20,473,000 |
$104,000 | $416,000 |
$72,000 | $300,000 |
| Application Denied By Financial Institution |
1,126 | $94,862,000 |
$84,000 | $412,000 |
$59,000 | $600,000 |
| Application Withdrawn By Applicant |
380 | $42,384,000 |
$111,000 | $490,000 |
$70,000 | $516,000 |
| File Closed For Incompleteness |
113 | $14,825,000 |
$131,000 | $417,000 |
$103,000 | $854,000 |
| Loan Originated |
1,268 | $136,407,000 |
$107,000 | $1,185,000 |
$77,000 | $4,000,000 |
| Loan Purchased By The Institution |
329 | $43,577,000 |
$132,000 | $633,000 |
$42,000 | $172,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
141 | $16,719,000 |
$118,000 | $316,000 |
$75,000 | $321,000 |
| Credit Application Incomplete |
30 | $3,199,000 |
$106,000 | $218,000 |
$66,000 | $277,000 |
| Credit History |
216 | $12,126,000 |
$56,000 | $325,000 |
$57,000 | $600,000 |
| Debt-To-Income Ratio |
141 | $10,140,000 |
$71,000 | $412,000 |
$43,000 | $306,000 |
| Employment History |
7 | $472,000 |
$67,000 | $187,000 |
$50,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $451,000 |
$112,000 | $193,000 |
$88,000 | $214,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
43 | $3,868,000 |
$89,000 | $393,000 |
$65,000 | $265,000 |
| Unverifiable Information |
10 | $1,099,000 |
$109,000 | $206,000 |
$62,000 | $117,000 |
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