Albany-Schenectady-Troy, NY Metro Area Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 30,713 mortgage applications in Albany-Schenectady-Troy, NY metro area totaling $7.2 billion, up 13% from 2024. The average application was for $235,860, and applicants reported an average income of $136,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Broadview Federal Credit Union, with 5,149 applications, followed by Trustco Bank and Sefcu Services, LLC.

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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 30,713
Total Mortgage Loan Application Amount $7,243,995,000
Average Mortgage Loan Application Amount $235,860
Highest Mortgage Loan Application Amount $49,505,000
Average Applicant Income $136,000
Highest Applicant Income $5,020,000

Mortgage Company List for Lending in Albany-Schenectady-Troy, NY for 2025

* 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
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ n/a 5,149 $ 518,345,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ n/a 1,970 $ 416,540,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ n/a 1,919 $ 599,205,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 1,907 $ 580,745,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1,341 $ 237,705,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ n/a 1,080 $ 216,620,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 882 $ 257,250,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 877 $ 180,595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 755 $ 228,075,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ n/a 675 $ 188,065,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 630 $ 149,570,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ n/a 604 $ 105,320,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ n/a 585 $ 185,715,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 526 $ 115,520,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 507 $ 88,965,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 457 $ 100,525,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 423 $ 118,725,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 319 $ 69,285,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 319 $ 69,885,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 303 $ 33,185,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 275 $ 85,155,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 245 $ 61,335,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 233 $ 21,815,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ n/a 230 $ 73,380,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ n/a 217 $ 43,045,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 210 $ 21,340,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 205 $ 55,995,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 186 $ 23,620,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 184 $ 57,230,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 180 $ 41,390,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ n/a 169 $ 22,995,000
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 167 $ 50,985,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 160 $ 40,300,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ n/a 160 $ 109,650,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 158 $ 26,880,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ n/a 157 $ 41,055,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 155 $ 31,415,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 155 $ 31,095,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 154 $ 50,010,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 142 $ 30,360,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 132 $ 40,520,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 125 $ 34,705,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 122 $ 13,740,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 114 $ 29,920,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 111 $ 33,415,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 110 $ 35,470,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 108 $ 24,060,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 102 $ 20,710,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 99 $ 71,115,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 88 $ 14,810,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 84 $ 26,630,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ n/a 76 $ 25,030,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 72 $ 17,530,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 68 $ 16,130,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 68 $ 17,140,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 65 $ 15,455,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 64 $ 13,200,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ n/a 64 $ 20,990,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 63 $ 18,175,000
General Mortgage Capital Corporation
1350 OLD BAYSHORE HWY
BURLINGAME, CA 94010
* $ n/a 60 $ 17,760,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 59 $ 16,075,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 58 $ 10,900,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 56 $ 8,140,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ n/a 55 $ 17,475,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 54 $ 16,070,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 53 $ 17,595,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 52 $ 5,680,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ n/a 50 $ 5,830,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ n/a 50 $ 3,920,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 50 $ 22,250,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 48 $ 14,690,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 47 $ 15,195,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 45 $ 11,035,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ n/a 44 $ 4,810,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ n/a 41 $ 5,185,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 40 $ 10,450,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 40 $ 27,560,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 40 $ 3,560,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 40 $ 15,280,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 40 $ 12,380,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 39 $ 11,425,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 38 $ 7,600,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 37 $ 7,655,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 37 $ 9,705,000
Nextstep FCU
150 DEFREEST DRIVE
TROY, NY 12180
* $ n/a 36 $ 2,720,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ n/a 35 $ 8,925,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 34 $ 5,800,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 33 $ 6,685,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 33 $ 9,225,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 33 $ 7,445,000
Berkshire Bank

ALBANY, NY 12207
* $ n/a 32 $ 7,580,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 31 $ 9,015,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 30 $ 9,380,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 30 $ 8,690,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 29 $ 9,155,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 26 $ 5,950,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 23 $ 5,485,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ n/a 23 $ 7,175,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ n/a 22 $ 9,900,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 22 $ 5,830,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ n/a 21 $ 5,455,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 21 $ 4,355,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 21 $ 6,745,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 20 $ 8,760,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 20 $ 2,280,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 20 $ 3,000,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 20 $ 6,090,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ n/a 19 $ 2,905,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 18 $ 4,950,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 18 $ 2,710,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 18 $ 3,890,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 17 $ 4,605,000
Greylock Federal Credit Union
150 WEST ST.
PITTSFIELD, MA 01201
* $ n/a 16 $ 2,950,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 16 $ 6,240,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 15 $ 11,055,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 14 $ 4,850,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ n/a 14 $ 990,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ n/a 14 $ 5,540,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ n/a 14 $ 1,260,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 13 $ 3,225,000
Ardri LLC
27001 AGOURA ROAD #100
CALABASAS, CA 91301
* $ n/a 13 $ 4,265,000
Cliffco, Inc.
1065 OLD COUNTRY ROAD SUITE 204
UNIONDALE, NY 11553
* $ n/a 13 $ 2,705,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ n/a 13 $ 3,215,000
Abl Rpc Residential Credit Acquisition LLC
30 MONTGOMERY ST STE 150
JERSEY CITY, NJ 07302
* $ n/a 13 $ 3,125,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 13 $ 2,505,000
The People's Credit Union
858 WEST MAIN ROAD
MIDDLETOWN, RI 02842
* $ n/a 13 $ 1,175,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 13 $ 4,375,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 12 $ 3,390,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 12 $ 3,160,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 12 $ 4,370,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 12 $ 3,270,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 12 $ 3,440,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 12 $ 1,720,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 11 $ 3,065,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 10 $ 2,190,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 10 $ 2,880,000
Reliable Holdings Manager dba Lendz Financial
19790 W DIXIE HWY SUITE 104
MIAMI, FL 33180
* $ n/a 10 $ 1,820,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 10 $ 2,340,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 10 $ 2,900,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 10 $ 2,100,000
Beacon Bank & Trust

ALBANY, NY 12207
* $ n/a 9 $ 2,005,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 9 $ 2,345,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 9 $ 2,055,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING ST
CRESSKILL, NJ 07626
* $ n/a 9 $ 3,055,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 9 $ 2,545,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ n/a 8 $ 3,140,000
Adams Community Bank
2 CENTER STREET
ADAMS, MA 01220
* $ n/a 8 $ 2,390,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ n/a 8 $ 1,620,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ n/a 8 $ 1,850,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ n/a 8 $ 2,680,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 8 $ 2,350,000
Constructive Loans LLC
1801 S MEYERS RD
OAKBROOK TERRACE, IL 60181
* $ n/a 8 $ 2,140,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ n/a 8 $ 2,190,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 7 $ 2,295,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 7 $ 3,995,000
Reliant Home Funding, Inc
445 BROADHOLLOW RD SUITE 334
MELVILLE, NY 11747
* $ n/a 7 $ 2,155,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ n/a 7 $ 845,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ n/a 7 $ 1,575,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 7 $ 1,305,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 6 $ 1,850,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 6 $ 2,080,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ n/a 6 $ 610,000
Heritage Financial Credit Union
25 RYKOWSKI LANE
MIDDLETOWN, NY 10941
* $ n/a 6 $ 1,350,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 6 $ 770,000
Royal Business Bank
660 S. FIGUEROA ST. SUITE 1888
LOS ANGELES, CA 90017
* $ n/a 6 $ 1,860,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 6 $ 1,230,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ n/a 6 $ 1,470,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 6 $ 1,400,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 6 $ 1,540,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 6 $ 2,140,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 5 $ 1,505,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 5 $ 1,975,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 5 $ 855,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 5 $ 1,575,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ n/a 5 $ 1,605,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 5 $ 43,785,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 5 $ 2,845,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 5 $ 1,675,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 5 $ 1,095,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ n/a 4 $ 880,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ n/a 4 $ 1,500,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 4 $ 1,610,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 4 $ 1,150,000
Gpo Federal Credit Union
4311 MIDDLE SETTLEMENT RD
NEW HARTFORD, NY 13413
* $ n/a 4 $ 1,320,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 4 $ 1,100,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ n/a 4 $ 910,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 4 $ 1,380,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ n/a 4 $ 1,670,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 4 $ 1,080,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 4 $ 580,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ n/a 4 $ 2,490,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 4 $ 4,250,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ n/a 3 $ 735,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 3 $ 825,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ n/a 3 $ 74,755,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 3 $ 405,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 1,045,000
Evergreen Bank Group
1515 22ND ST # 100
OAK BROOK, IL 60523
* $ n/a 3 $ 235,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ n/a 3 $ 845,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ n/a 3 $ 1,595,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ n/a 3 $ 775,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ n/a 3 $ 685,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 3 $ 1,035,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 3 $ 725,000
Ark Mortgage, Inc.
400 RELLA BLVD SUITE 300
MONTEBELLO, NY 10901
* $ n/a 3 $ 665,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 3 $ 1,465,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 2 $ 740,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 2 $ 230,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 2 $ 290,000
Trademark FCU
44 EDISON DRIVE
AUGUSTA, ME 04330
* $ n/a 2 $ 50,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ n/a 2 $ 660,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ n/a 2 $ 210,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 2 $ 1,170,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 2 $ 930,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ n/a 2 $ 660,000
Blair Services of America, Inc
1121 OLD WALT WHITMMAN ROAD
MELVILLE, NY 11747
* $ n/a 2 $ 360,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 2 $ 490,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 2 $ 430,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ n/a 2 $ 51,250,000
Royal Pacific Funding
4000 MACARTHUR BLVD TOWER - 7TH
NEWPORT BEACH, CA 92660
* $ n/a 2 $ 670,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 2 $ 590,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ n/a 2 $ 990,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre
1010 NORTHERN BLVD., SUITE 336
GREAT NECK, NY 11021
* $ n/a 2 $ 440,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 2 $ 120,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 2 $ 390,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 2 $ 80,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 2 $ 540,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ n/a 2 $ 560,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 2 $ 670,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 2 $ 670,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ n/a 2 $ 70,000
Corevestamericanfinancelenderllc
1920 MAIN ST #850
IRVINE, CA 92614
* $ n/a 2 $ 430,000
Newpoint Real Estate Capital
5800 TENNYSON PARKWAY, SUITE 200
PLANO, TX 75024
* $ n/a 2 $ 57,310,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ n/a 2 $ 490,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 2 $ 220,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ n/a 2 $ 1,220,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 2 $ 450,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ n/a 2 $ 2,040,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 2 $ 50,000
Continental Mortgage Bankers Inc
1025 OLD COUNTRY RD
WESTBURY, NY 11590
* $ n/a 2 $ 350,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ n/a 2 $ 290,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ n/a 2 $ 490,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 2 $ 810,000
American Community Bank
300 GLEN ST
GLEN COVE, NY 11542
* $ n/a 2 $ 710,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ n/a 2 $ 710,000
Rosedale Bank
9616 BELAIR ROAD
BALTIMORE, MD 21236
* $ n/a 1 $ 305,000
Prism Bank
2610 S DIVISION ST
GUTHRIE, OK 73044
* $ n/a 1 $ 395,000
Berkeley Point Capital LLC

BOSTON, MA 02110
* $ n/a 1 $ 27,105,000
Merchants Mortgage & Trust Corporation
7400 E CRESTLINE CIR #250
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 515,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ n/a 1 $ 875,000
Rhinebeck Bank
2 JEFFERSON PLAZA
POUGHKEEPSIE, NY 12601
* $ n/a 1 $ 935,000
Verus
2001 M STREET SUITE 300
WASHINGTON, DC 20036
* $ n/a 1 $ 185,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 1 $ 345,000
Utica Gas & Electric FCU
215 OLD CAMPION RD
NEW HARTFORD, NY 13413
* $ n/a 1 $ 205,000
Gold Coast Bank
1165 N. CLARK ST., SUITE 200
CHICAGO, IL 60610
* $ n/a 1 $ 125,000
Arcstone Financial Inc
1917 HILLHURST AVENUE SUITE 205
LOS ANGELES, CA 90027
* $ n/a 1 $ 5,000
Pittsfield Cooperative Bank
70 SOUTH ST
PITTSFIELD, MA 01201
* $ n/a 1 $ 215,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 1 $ 165,000
Ukrainian Federal Credit Union
824 EAST RIDGE ROAD
ROCHESTER, NY 14621
* $ n/a 1 $ 145,000
Pgim Real Estate Agency Financing, LLC

DALLAS, TX 75201
* $ n/a 1 $ 27,735,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 1 $ 2,625,000
Bayport Funding LLC
98 CUTTERMILL ROAD, SUITE 424N
GREAT NECK, NY 11021
* $ n/a 1 $ 245,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 1 $ 225,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 835,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 1 $ 895,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 1 $ 195,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 1 $ 345,000
Five Star Bank
2240 DOUGLAS BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 775,000
Firstrust Savings Bank
1 WALNUT GROVE DRIVE
HORSHAM, PA 19044
* $ n/a 1 $ 95,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 1 $ 35,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ n/a 1 $ 245,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ n/a 1 $ 265,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 1 $ 5,595,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 1 $ 5,595,000
Millenium Home Mortgage
40 BALDWIN ROAD
PARSIPPANY, NJ 07054
* $ n/a 1 $ 265,000
Summit Mortgage Bankers, Inc.
3660 MAIN STREET, 3RD FLOOR
FLUSHING, NY 11354
* $ n/a 1 $ 635,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ n/a 1 $ 435,000
Re Investment Loans LLC

GREENWOOD VILLAGE, CO 80112
* $ n/a 1 $ 325,000
Peapack Private Bank & Trust
500 HILLS DRIVE
BEDMINSTER, NJ 07921
* $ n/a 1 $ 4,005,000
Massmutual FCU
1295 STATE STREET
SPRINGFIELD, MA 01111
* $ n/a 1 $ 75,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 1 $ 185,000
Teg Federal Credit Union
1 COMMERCE ST.
POUGHKEEPSIE, NY 12603
* $ n/a 1 $ 255,000
Berkadia Commercial Mortgage
323 NORRISTOWN ROAD SUITE 300
AMBLER, PA 19002
* $ n/a 1 $ 16,645,000
Bond Street Mortgage, LLC
115 WEST CENTURY ROAD
PARAMUS, NJ 07652
* $ n/a 1 $ 315,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 205,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 195,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ n/a 1 $ 545,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 1 $ 755,000
Oceanfirst Bank
975 HOOPER AVENUE
TOMS RIVER, NJ 08753
* $ n/a 1 $ 495,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 445,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ n/a 1 $ 295,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ n/a 1 $ 55,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 1 $ 315,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 285,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 1 $ 205,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 585,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 495,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ n/a 1 $ 55,000
Greenway Mortgage Funding Corp.
107 TINDALL ROAD
MIDDLETOWN, NJ 07748
* $ n/a 1 $ 275,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ n/a 1 $ 42,935,000
Sawyer Savings Bank
PO BOX 420
SAUGERTIES, NY 12477
* $ n/a 1 $ 345,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ n/a 1 $ 105,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 125,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 215,000
Funding Resources Mortgage Cor
777 PASSAIC AVENUE,SUITE 535
CLIFTON, NJ 07012
* $ n/a 1 $ 605,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 1 $ 49,505,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ n/a 1 $ 355,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ n/a 1 $ 85,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 1 $ 765,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ n/a 1 $ 105,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ n/a 1 $ 25,000
Bank of Millbrook
PO BOX AF, 3263 FRANKLIN AVENUE
MILLBROOK, NY 12545
* $ n/a 1 $ 155,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ n/a 1 $ 55,000
American Broadcast Employees FCU
7-11 FRONT STREET
ROCKVILLE CENTRE, NY 11570
* $ n/a 1 $ 55,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ n/a 1 $ 95,000
Webster Five Cents Savings Bank
136 THOMPSON RD.
WEBSTER, MA 01570
* $ n/a 1 $ 485,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ n/a 1 $ 255,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 125,000
State Financial Network LLC
5 HILLMAN DR
CHADDS FORD, PA 19317
* $ n/a 1 $ 95,000

The tables below break down 2025 mortgage applications in Albany-Schenectady-Troy, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Albany-Schenectady-Troy, NY in 2025

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 14,522 $4,520,720,000 $311,000 $49,505,000 $141,000 $5,000,000
Home Improvement 5,698 $585,530,000 $102,000 $25,505,000 $135,000 $5,020,000
Cash-out Refinancing 3,901 $864,085,000 $221,000 $27,735,000 $124,000 $3,374,000
Other Purpose 3,349 $365,105,000 $109,000 $16,645,000 $129,000 $2,682,000
Refinancing 3,167 $899,235,000 $283,000 $44,595,000 $136,000 $3,476,000
Not Applicable 76 $9,320,000 $122,000 $655,000 $29,000 $53,000

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 19,240 $3,940,710,000 $204,000 $3,005,000 $138,000 $5,020,000
Not Provided 3,465 $819,215,000 $236,000 $5,005,000 $142,000 $3,374,000
Not applicable 3,066 $1,378,360,000 $449,000 $49,505,000 $148,000 $1,485,000
Asian 1,961 $505,025,000 $257,000 $1,375,000 $127,000 $4,341,000
Black or African American 1,415 $260,695,000 $184,000 $935,000 $107,000 $2,040,000
Hispanic 1,339 $301,715,000 $225,000 $1,755,000 $123,000 $4,800,000
American Indian or Alaskan Native 169 $28,245,000 $167,000 $695,000 $114,000 $948,000
Native Hawaiian or Other Pacific Islander 56 $9,810,000 $175,000 $505,000 $90,000 $409,000

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) 26,832 $6,147,490,000 $229,000 $49,505,000 $140,000 $5,020,000
FHA-insured (Federal Housing Administration) 2,692 $696,670,000 $258,000 $16,645,000 $94,000 $1,728,000
VA-guaranteed (Veterans Administration) 1,135 $387,085,000 $341,000 $1,505,000 $123,000 $1,310,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $12,750,000 $236,000 $425,000 $85,000 $156,000

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 17,436 $4,518,900,000 $259,000 $49,505,000 $144,000 $3,476,000
Application Denied By Financial Institution 5,181 $755,105,000 $145,000 $4,605,000 $104,000 $5,000,000
Application Withdrawn By Applicant 3,773 $899,025,000 $238,000 $16,605,000 $139,000 $4,800,000
Loan Purchased By The Institution 2,535 $687,695,000 $271,000 $12,005,000 $139,000 $1,485,000
File Closed For Incompleteness 1,047 $239,215,000 $228,000 $5,005,000 $153,000 $5,020,000
Application Approved But Not Accepted 710 $134,440,000 $189,000 $2,405,000 $120,000 $1,500,000
Preapproval Approved but not Accepted 29 $9,175,000 $316,000 $715,000 $134,000 $387,000
Preapproval Denied by Financial Institution 2 $440,000 $220,000 $325,000 $94,000 $109,000

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 25,290 $6,293,380,000 $248,000 $49,505,000 $142,000 $5,020,000
Debt-To-Income Ratio 2,016 $448,730,000 $222,000 $44,595,000 $93,000 $4,800,000
Credit History 1,415 $157,955,000 $111,000 $905,000 $111,000 $1,800,000
Other 797 $110,835,000 $139,000 $4,605,000 $117,000 $2,400,000
Collateral 710 $122,000,000 $171,000 $955,000 $132,000 $2,400,000
Credit Application Incomplete 261 $59,325,000 $227,000 $3,735,000 $100,000 $793,000
Unverifiable Information 102 $23,690,000 $232,000 $3,305,000 $182,000 $5,000,000
Insufficient Cash (Downpayment, Closing Cost) 80 $18,330,000 $229,000 $1,755,000 $99,000 $688,000
Employment History 42 $9,750,000 $232,000 $625,000 $126,000 $1,600,000
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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