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| Location |
Orleans County NY
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,692 |
| Total Amount of All Mortgage Loans Applied For | $126,283,000 |
| Average Mortgage Loan Amount Applied For | $74,000 |
| Highest Mortgage Loan Amount Applied For | $540,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $1,965,000 |
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| Home Improvement |
259 | $7,584,000 |
$29,000 | $165,000 |
$52,000 | $260,000 |
| Home Purchase |
553 | $44,070,000 |
$79,000 | $540,000 |
$56,000 | $1,965,000 |
| Refinancing |
880 | $74,629,000 |
$84,000 | $345,000 |
$58,000 | $979,000 |
|
| American Indian or Alaskan Native |
9 | $501,000 |
$55,000 | $101,000 |
$63,000 | $158,000 |
| Asian |
4 | $270,000 |
$67,000 | $93,000 |
$48,000 | $57,000 |
| Black or African American |
44 | $2,603,000 |
$59,000 | $185,000 |
$39,000 | $80,000 |
| Hispanic |
13 | $818,000 |
$62,000 | $136,000 |
$49,000 | $90,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
74 | $6,082,000 |
$82,000 | $319,000 |
$15,000 | $100,000 |
| Not Provided |
143 | $11,249,000 |
$78,000 | $540,000 |
$71,000 | $979,000 |
| White |
1,405 | $104,760,000 |
$74,000 | $345,000 |
$58,000 | $1,965,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,286 | $89,913,000 |
$69,000 | $540,000 |
$59,000 | $1,965,000 |
| FHA-insured (Federal Housing Administration) |
369 | $33,263,000 |
$90,000 | $267,000 |
$50,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
23 | $1,847,000 |
$80,000 | $120,000 |
$37,000 | $86,000 |
| VA-guaranteed (Veterans Administration) |
14 | $1,260,000 |
$90,000 | $176,000 |
$46,000 | $167,000 |
|
| Application Approved But Not Accepted |
119 | $7,239,000 |
$60,000 | $197,000 |
$50,000 | $123,000 |
| Application Denied By Financial Institution |
627 | $45,176,000 |
$72,000 | $540,000 |
$53,000 | $979,000 |
| Application Withdrawn By Applicant |
179 | $14,830,000 |
$82,000 | $345,000 |
$65,000 | $258,000 |
| File Closed For Incompleteness |
44 | $3,786,000 |
$86,000 | $240,000 |
$64,000 | $214,000 |
| Loan Originated |
564 | $41,623,000 |
$73,000 | $340,000 |
$64,000 | $1,965,000 |
| Loan Purchased By The Institution |
159 | $13,629,000 |
$85,000 | $319,000 |
$36,000 | $244,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
59 | $4,953,000 |
$83,000 | $288,000 |
$59,000 | $144,000 |
| Credit Application Incomplete |
20 | $1,706,000 |
$85,000 | $205,000 |
$75,000 | $328,000 |
| Credit History |
80 | $3,873,000 |
$48,000 | $184,000 |
$54,000 | $548,000 |
| Debt-To-Income Ratio |
58 | $3,830,000 |
$66,000 | $264,000 |
$37,000 | $111,000 |
| Employment History |
3 | $93,000 |
$31,000 | $50,000 |
$31,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $238,000 |
$79,000 | $120,000 |
$42,000 | $54,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
16 | $1,464,000 |
$91,000 | $164,000 |
$56,000 | $120,000 |
| Unverifiable Information |
5 | $604,000 |
$120,000 | $155,000 |
$54,000 | $96,000 |
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