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| Location |
Orleans County NY
• Apply Here |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Applications | 2,637 |
| Total Amount of All Mortgage Loans Applied For | $182,204,000 |
| Average Mortgage Loan Amount Applied For | $69,000 |
| Highest Mortgage Loan Amount Applied For | $352,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $780,000 |
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| Home Improvement |
529 | $15,531,000 |
$29,000 | $268,000 |
$55,000 | $350,000 |
| Home Purchase |
773 | $56,213,000 |
$72,000 | $280,000 |
$49,000 | $780,000 |
| Refinancing |
1,335 | $110,460,000 |
$82,000 | $352,000 |
$55,000 | $600,000 |
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|
| American Indian or Alaskan Native |
8 | $316,000 |
$39,000 | $100,000 |
$49,000 | $113,000 |
| Asian |
2 | $204,000 |
$102,000 | $125,000 |
$86,000 | $101,000 |
| Black or African American |
37 | $2,190,000 |
$59,000 | $161,000 |
$45,000 | $136,000 |
| Hispanic |
37 | $2,268,000 |
$61,000 | $194,000 |
$59,000 | $279,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $41,000 |
$41,000 | $41,000 |
$37,000 | $37,000 |
| Not applicable |
96 | $6,794,000 |
$70,000 | $179,000 |
$16,000 | $137,000 |
| Not Provided |
351 | $30,347,000 |
$86,000 | $352,000 |
$58,000 | $780,000 |
| White |
2,105 | $140,044,000 |
$66,000 | $314,000 |
$54,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,336 | $157,169,000 |
$67,000 | $352,000 |
$54,000 | $780,000 |
| FHA-insured (Federal Housing Administration) |
266 | $22,187,000 |
$83,000 | $207,000 |
$46,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
21 | $1,430,000 |
$68,000 | $105,000 |
$30,000 | $57,000 |
| VA-guaranteed (Veterans Administration) |
14 | $1,418,000 |
$101,000 | $176,000 |
$48,000 | $77,000 |
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|
| Application Approved But Not Accepted |
202 | $13,370,000 |
$66,000 | $225,000 |
$54,000 | $170,000 |
| Application Denied By Financial Institution |
915 | $58,731,000 |
$64,000 | $352,000 |
$50,000 | $780,000 |
| Application Withdrawn By Applicant |
330 | $26,359,000 |
$79,000 | $286,000 |
$56,000 | $225,000 |
| File Closed For Incompleteness |
69 | $6,211,000 |
$90,000 | $266,000 |
$56,000 | $144,000 |
| Loan Originated |
919 | $62,306,000 |
$67,000 | $314,000 |
$58,000 | $600,000 |
| Loan Purchased By The Institution |
202 | $15,227,000 |
$75,000 | $271,000 |
$36,000 | $227,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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|
| Collateral |
97 | $7,969,000 |
$82,000 | $352,000 |
$60,000 | $179,000 |
| Credit Application Incomplete |
31 | $2,348,000 |
$75,000 | $166,000 |
$60,000 | $192,000 |
| Credit History |
160 | $8,965,000 |
$56,000 | $268,000 |
$46,000 | $277,000 |
| Debt-To-Income Ratio |
65 | $3,393,000 |
$52,000 | $160,000 |
$45,000 | $500,000 |
| Employment History |
3 | $223,000 |
$74,000 | $158,000 |
$46,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $293,000 |
$73,000 | $143,000 |
$46,000 | $70,000 |
| Mortgage Insurance Denied |
2 | $149,000 |
$74,000 | $119,000 |
$49,000 | $61,000 |
| Other |
60 | $4,603,000 |
$76,000 | $250,000 |
$59,000 | $400,000 |
| Unverifiable Information |
18 | $1,559,000 |
$86,000 | $271,000 |
$45,000 | $102,000 |
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