Albany-Schenectady-Troy, NY Metro Area Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 35,227 mortgage applications in Albany-Schenectady-Troy, NY metro area totaling $6.0 billion, down 10% from 2010. The average application was for $171,146, and applicants reported an average income of $84,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was Trustco Bank, with 3,256 applications, followed by Wells Fargo Bank NA and Sefcu Services, LLC.

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Total Number of Mortgage Applications 35,227
Total Mortgage Loan Application Amount $6,028,966,000
Average Mortgage Loan Application Amount $171,146
Highest Mortgage Loan Application Amount $60,000,000
Average Applicant Income $84,000
Highest Applicant Income $4,092,000

Mortgage Company List for Lending in Albany-Schenectady-Troy, NY for 2011

* 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
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 3,960,408,000 3,256 $ 528,378,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 3,244 $ 579,173,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 2,315 $ 386,555,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 1,840 $ 346,224,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 355,322,000 1,671 $ 237,123,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 1,663 $ 286,215,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,118,108,000 1,481 $ 90,943,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1,178 $ 205,314,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 1,087 $ 337,939,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 1,069 $ 193,882,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 30,804,513,000 812 $ 152,385,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 789 $ 117,522,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 775 $ 138,362,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 762 $ 136,296,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 728 $ 127,965,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 695 $ 117,369,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 473 $ 86,034,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 763,193,000 422 $ 39,054,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 392 $ 68,924,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 387 $ 49,477,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 384 $ 67,154,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 372 $ 65,447,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,302,543,000 352 $ 29,243,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 882,552,000 280 $ 57,890,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 273 $ 53,990,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 269 $ 53,992,000
Berkshire Bank

ALBANY, NY 12207
* $ 2,845,217,000 268 $ 65,669,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 262 $ 47,790,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 245 $ 46,565,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 349,973,000 244 $ 32,619,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 233,853,000 232 $ 21,021,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 76,586,967,000 228 $ 41,364,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 385,348,000 222 $ 33,848,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 216 $ 40,174,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 211 $ 38,377,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 201 $ 38,167,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 196 $ 34,703,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 195 $ 29,024,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 184 $ 34,831,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 866,075,000 177 $ 29,667,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 195,101,367,000 176 $ 30,157,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 162 $ 26,886,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 295,063,000 143 $ 30,949,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 155,812,000 135 $ 13,699,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 134 $ 13,517,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 130 $ 5,592,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 115 $ 20,255,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 109 $ 18,653,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 102 $ 16,643,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 97 $ 19,550,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 97 $ 17,071,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 97 $ 18,148,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 94 $ 16,120,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 5,419,722,000 94 $ 14,620,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 93 $ 16,352,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 88 $ 14,569,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 1,641,129,000 88 $ 6,787,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 80 $ 13,596,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 114,287,000 78 $ 7,811,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 77 $ 4,176,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 76 $ 21,197,000
School Systems
150 DEFREEST DRIVE
TROY, NY 12180
* $ 62,832,000 67 $ 5,138,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 63 $ 5,106,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 60 $ 10,980,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 59 $ 10,344,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 530,724,000 59 $ 7,734,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 55 $ 10,175,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 54 $ 8,982,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 54 $ 8,414,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 52 $ 880,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 52 $ 9,384,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 51 $ 13,230,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 46 $ 7,892,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 40 $ 7,480,000
The National Union Bank of Kinderhook
1 HUDSON STREET
KINDERHOOK, NY 12106
* $ 248,057,000 39 $ 15,597,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 38 $ 8,779,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 37 $ 6,587,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 37 $ 5,958,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 193,512,000 33 $ 5,738,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 32 $ 6,723,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 31 $ 5,267,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 30 $ 1,356,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 30 $ 9,415,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 63,884,000 30 $ 2,074,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 28 $ 4,177,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 27 $ 4,134,000
Hampden Bank
19 HARRISON AVENUE
SPRINGFIELD, MA 01103
* $ 551,489,000 26 $ 845,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 26 $ 4,029,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ 15,180,000 25 $ 4,413,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 25 $ 4,289,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 24 $ 4,158,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 23 $ 4,230,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 23 $ 4,340,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 21 $ 4,685,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 21 $ 3,401,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 21 $ 3,268,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 21 $ 4,133,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 21 $ 3,898,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 20 $ 3,876,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 20 $ 2,533,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,166,000 19 $ 1,011,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 18 $ 3,319,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 18 $ 2,792,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 18 $ 3,015,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 17 $ 1,817,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 957,179,000 17 $ 3,243,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 17 $ 4,056,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 16 $ 3,292,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 16 $ 3,607,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 16 $ 2,623,000
Legacy Banks
99 NORTH ST. P.O. BOX 1148
PITTSFIELD, MA 01202
* $ 926,037,000 15 $ 2,695,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,038,229,000 15 $ 2,683,000
Citifinancial Company(De)
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 14 $ 878,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 13 $ 2,868,000
The Funding Source LLC
906 SPENCER STREET
SYRACUSE, NY 13206
* $ 10,000,000 12 $ 2,080,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 12 $ 1,194,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 11 $ 699,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 117,205,000 11 $ 995,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 10 $ 554,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 722,962,000 10 $ 1,193,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 10 $ 1,717,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 10 $ 1,855,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ 10,000,000 10 $ 1,655,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 10 $ 2,561,000
United Mortgage Corp
510 BROADHOLLOW ROAD, SUITE 202
MELVILLE, NY 11747
* $ 10,000,000 10 $ 2,142,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,335,558,000 10 $ 1,984,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 9 $ 961,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 9 $ 2,031,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 9 $ 1,839,000
Graystone Tower Bank
1826 GOOD HOPE RD
ENOLA, PA 17025
* $ 2,745,490,000 9 $ 2,194,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 9 $ 1,736,000
Guaranteed Home Mortgage Compa
108 CORPORATE PARK DRIVE - SUITE 301
WHITE PLAINS, NY 10604
* $ 10,000,000 9 $ 1,742,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 9 $ 74,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 9 $ 1,465,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 4,011,333,000 8 $ 1,671,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 8 $ 638,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 8 $ 2,598,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 8 $ 1,722,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 1,374,407,000 8 $ 327,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 70,506,963,000 7 $ 673,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 7 $ 63,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 7 $ 1,357,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 7 $ 1,026,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 1,255,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 7 $ 1,824,000
Toll Brothers Mortgage Company

FORT WASHINGTON, PA 19034
* $ 10,000,000 7 $ 2,445,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 7 $ 1,819,000
Ukrainian Federal Credit Union
824 EAST RIDGE ROAD
ROCHESTER, NY 14621
* $ 137,949,000 7 $ 2,401,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 3,650,782,000 7 $ 1,717,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 6 $ 1,662,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 6 $ 937,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 6 $ 1,274,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 925,476,000 6 $ 1,059,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 6 $ 796,000
Webster Five Cents Savings Bank
136 THOMPSON RD.
WEBSTER, MA 01570
* $ 555,120,000 6 $ 257,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 6 $ 1,768,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ 10,000,000 6 $ 477,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 6 $ 1,446,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,432,928,000 6 $ 1,528,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 5 $ 780,000
Vantage Point Bank
100 GIBRALTAR ROAD
HORSHAM, PA 19044
* $ 72,826,000 5 $ 1,053,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 3,932,967,000 5 $ 979,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 5 $ 783,000
Financial Freedom Acquist. LLC
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 5 $ 706,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 5 $ 715,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 5 $ 1,004,000
Mortgage Enterprise, Ltd.
776 RXR PLAZA, 7 WEST
UNIONDALE, NY 11556
* $ 10,000,000 5 $ 1,029,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 832,744,000 5 $ 568,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,490,871,000 5 $ 721,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ 229,550,000 5 $ 1,011,000
Williamstown Savings Bank
795 MAIN STREET
WILLIAMSTOWN, MA 01267
* $ 227,593,000 4 $ 686,000
Superior Mortgage Corp.
854 S WHITE HORSE PIKE
HAMMONTON, NJ 08037
* $ 10,000,000 4 $ 708,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ 10,000,000 4 $ 1,341,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 4 $ 110,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,311,651,000 4 $ 867,000
Greylock Federal Credit Union
150 WEST ST.
PITTSFIELD, MA 01201
* $ 1,238,695,000 4 $ 438,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 4 $ 199,000
Town Center Bank
1938 E. LINCOLN HIGHWAY #101
NEW LENOX, IL 60451
* $ 141,350,000 4 $ 234,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 4 $ 759,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 4 $ 717,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 24,650,366,000 4 $ 708,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 4 $ 642,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 239,111,000 3 $ 110,000
Atlantic Coast Bank
505 HAINES AVE
WAYCROSS, GA 31501
* $ 828,612,000 3 $ 724,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 17,769,872,000 3 $ 391,000
Bankliberty
16 W FRANKLIN
LIBERTY, MO 64068
* $ 441,482,000 3 $ 653,000
Radius Bank
ONE HARBOR ST, SUITE 201
BOSTON, MA 02210
* $ 613,897,000 3 $ 404,000
Gateway Bank F.S.B.
360 8TH STREET
OAKLAND, CA 94607
* $ 305,753,000 3 $ 538,000
Aig Federal Savings Bank
600 N KING STREET, SUITE 2
WILMINGTON, DE 19801
* $ 1,064,456,000 3 $ 347,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 23,797,773,000 3 $ 1,480,000
E*Trade Savings Bank
671 N. GLEBE RD 12TH FLOOR
ARLINGTON, VA 22203
* $ 1,550,836,000 3 $ 579,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 3 $ 508,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 14,449,324,000 3 $ 686,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 147,635,000 3 $ 568,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,444,690,000 3 $ 390,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 110,338,000 3 $ 520,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 3 $ 633,000
Chicago Bancorp
300 N ELIZABETH STREET STUITE 3E
CHICAGO, IL 60607
* $ 10,000,000 3 $ 830,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 680,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ 51,703,000 3 $ 649,000
Mld Mortgage Inc.
30B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 10,000,000 3 $ 510,000
Equity Now Inc
215 LEXINGTON AVENUE, SUITE 1702
MAMARONECK, NY 10543
* $ 10,000,000 3 $ 613,000
Wall Street Mortgage Bankers
1111 MARCUS AVE, LL08
LAKE SUCCESS, NY 11042
* $ 10,000,000 3 $ 541,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ 10,000,000 3 $ 579,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,372,560,000 3 $ 336,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 645,511,000 3 $ 637,000
Sterling National Bank
98 CUTTERMILL ROAD
GREAT NECK, NY 11021
* $ 2,319,040,000 3 $ 589,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ 698,861,000 3 $ 373,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 4,014,173,000 3 $ 476,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 442,958,000 3 $ 366,000
Alliance Bank NA
120 MADISON STREET
SYRACUSE, NY 13202
* $ 1,449,065,000 3 $ 909,000
Sterling Natl Mtge Co., Inc
98 CUTTERMILL RD
GREAT NECK, NY 11021
* $ 964,388,000 2 $ 439,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,529,914,000 2 $ 248,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 624,428,000 2 $ 167,000
Mercantile Bank
200 NORTH 33RD ST
QUINCY, IL 62305
* $ 679,697,000 2 $ 54,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 2 $ 444,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 2 $ 126,000
Rhinebeck Bank
2 JEFFERSON PLAZA
POUGHKEEPSIE, NY 12601
* $ 526,252,000 2 $ 900,000
Xcel Federal Credit Union
1460 BROAD STREET
BLOOMFIELD, NJ 07003
* $ 126,003,000 2 $ 241,000
Dva Federal Credit Union
PO BOX 50617
WASHINGTON, DC 20091
* $ 112,401,000 2 $ 118,000
Bank of Whittier, NA
15141 E WHITTIER BLVD
WHITTIER, CA 90603
* $ 52,687,000 2 $ 475,000
Liberty Bank
315 MAIN STREET
MIDDLETOWN, CT 06457
* $ 3,389,674,000 2 $ 22,000,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 423,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 334,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,192,808,000 2 $ 203,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 72,051,000 2 $ 131,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 1,541,023,000 2 $ 134,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 242,561,000 2 $ 580,000
Mountainone Bank
93 MAIN STREET
NORTH ADAMS, MA 01247
* $ 339,691,000 2 $ 267,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 2 $ 620,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 2 $ 20,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ 10,000,000 2 $ 530,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 592,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ 10,000,000 2 $ 316,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ 10,000,000 2 $ 211,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 2 $ 272,000
Community First Bank
11426 YORK ROAD
HUNT VALLEY, MD 21030
* $ 58,132,000 2 $ 225,000
Hometown Bank of the Hudson VA
12 MAIN ST.
WALDEN, NY 12586
* $ 155,406,000 2 $ 397,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 2 $ 363,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 992,307,000 2 $ 246,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 608,886,000 1 $ 112,000
The Bank of Maine
2 CANAL PLAZA
PORTLAND, ME 04101
* $ 857,397,000 1 $ 155,000
Dime Savings Bank
209 HAVEMEYER STREET
BROOKLYN, NY 11211
* $ 4,027,921,000 1 $ 115,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 499,868,000 1 $ 5,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 11,459,900,000 1 $ 1,057,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 10,684,654,000 1 $ 380,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 1 $ 156,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 1 $ 213,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ 16,241,000 1 $ 230,000
Continental Mortgage Bankers Inc
1025 OLD COUNTRY RD
WESTBURY, NY 11590
* $ 10,000,000 1 $ 120,000
Shamrock Home Loans, Inc.
75 NEWMAN AVE
EAST PROVIDENCE, RI 02916
* $ 4,122,000 1 $ 220,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 1 $ 304,000
Provident Bank
400 RELLA BLVD
MONTEBELLO, NY 10901
* $ 2,931,904,000 1 $ 300,000
Cathay Bank
9650 FLAIR DRIVE
LOS ANGELES, CA 90012
* $ 10,518,175,000 1 $ 90,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,207,220,000 1 $ 29,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 655,826,000 1 $ 209,000
E*Trade Bank
671 NORTH GLEBE ROAD, 12TH FLOOR
ARLINGTON, VA 22203
* $ 44,883,561,000 1 $ 215,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 1 $ 10,000
Astoria Bank
211 STATION ROAD
MINEOLA, NY 11501
* $ 17,091,328,000 1 $ 216,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 920,280,000 1 $ 72,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 5,431,568,000 1 $ 236,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 3,158,932,000 1 $ 183,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 143,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 555,019,000 1 $ 246,000
Lee Bank
75 PARK STREET
LEE, MA 01238
* $ 271,286,000 1 $ 148,000
Bay Bank
6140 AIRPORT BLVD
MOBILE, AL 36608
* $ 89,030,000 1 $ 59,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 274,760,000 1 $ 175,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 82,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 161,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 205,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 160,000
Cwcapital LLC
63 KENDRICK STREET
NEEDHAM, MA 02494
* $ 31,000,000 1 $ 53,200,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ 10,000,000 1 $ 160,000
Millenium Home Mortgage
40 BALDWIN ROAD
PARSIPPANY, NJ 07054
* $ 12,315,000 1 $ 281,000
Atlantic Home Loans, Inc.
50 ROUTE 46
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 196,000
Isb Mortgage Company, LLC
249 MILLBURN AVE
MILLBURN, NJ 07041
* $ 5,601,500,000 1 $ 417,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 200,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 66,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 303,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 216,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 221,000
Berkadia Commercial Mortgage
323 NORRISTOWN ROAD SUITE 300
AMBLER, PA 19002
* $ 1,173,139,000 1 $ 2,139,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 180,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ 54,391,344,000 1 $ 27,700,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 147,000
Fairfield County Bank
150 DANBURY ROAD
RIDGEFIELD, CT 06877
* $ 1,558,122,000 1 $ 192,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 681,222,000 1 $ 64,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 271,648,000 1 $ 10,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 721,020,000 1 $ 417,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 753,080,000 1 $ 130,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,181,819,000 1 $ 97,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 938,997,000 1 $ 75,000
Devon Bank
6445 N WESTERN AVENUE
CHICAGO, IL 60645
* $ 287,120,000 1 $ 28,000
Suma Federal Credit Union
125 CORPORATE BLVD
YONKERS, NY 10701
* $ 245,130,000 1 $ 142,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 1 $ 150,000
Oneida Savings Bank
182 MAIN STREET
ONEIDA, NY 13421
* $ 659,466,000 1 $ 260,000
Beneficial Bank
1818 MARKET STREET
PHILADELPHIA, PA 19103
* $ 4,922,436,000 1 $ 42,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 115,146,000 1 $ 384,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,061,721,000 1 $ 176,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 854,111,000 1 $ 110,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 2,008,776,000 1 $ 385,000
Financial Resources Federal Cr
3040 US HIGHWAY 22 BLDG 2
BRANCHBURG, NJ 08876
* $ 371,922,000 1 $ 135,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 1,901,665,000 1 $ 25,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 256,084,000 1 $ 193,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 291,553,000 1 $ 51,000
Constellation Federal Credit Union
1810 SAMUEL MORSE DR
RESTON, VA 20190
* $ 159,213,000 1 $ 199,000
Novartis Federal Credit Union
124 S RIDGEDALE AVE
EAST HANOVER, NJ 07936
* $ 123,269,000 1 $ 25,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 3,282,516,000 1 $ 118,000
Riverfront FCU
430 S 4TH ST
WYOMISSING, PA 19610
* $ 166,694,000 1 $ 51,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 2,034,669,000 1 $ 147,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 512,226,000 1 $ 220,000

The tables below break down 2011 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 2011

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
Refinancing 20,548 $3,651,185,000 $177,000 $60,000,000 $88,000 $4,092,000
Home Purchase 12,058 $2,173,214,000 $180,000 $27,700,000 $80,000 $2,893,000
Home Improvement 2,621 $204,567,000 $78,000 $21,140,000 $77,000 $1,410,000

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 27,190 $4,347,451,000 $159,000 $1,950,000 $89,000 $2,400,000
Not Provided 3,331 $547,637,000 $164,000 $1,545,000 $98,000 $4,092,000
Not applicable 2,305 $767,006,000 $332,000 $60,000,000 $13,000 $2,104,000
Asian 923 $170,559,000 $184,000 $750,000 $95,000 $1,293,000
Black or African American 824 $104,075,000 $126,000 $441,000 $64,000 $679,000
Hispanic 511 $75,157,000 $147,000 $532,000 $77,000 $810,000
American Indian or Alaskan Native 96 $12,137,000 $126,000 $408,000 $68,000 $278,000
Native Hawaiian or Other Pacific Islander 47 $4,944,000 $105,000 $294,000 $61,000 $173,000

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) 25,669 $4,405,343,000 $171,000 $60,000,000 $94,000 $4,092,000
FHA-insured (Federal Housing Administration) 7,975 $1,312,261,000 $164,000 $21,140,000 $59,000 $1,596,000
VA-guaranteed (Veterans Administration) 1,253 $259,376,000 $207,000 $1,022,000 $62,000 $326,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 330 $51,986,000 $157,000 $296,000 $54,000 $102,000

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 17,778 $3,088,515,000 $173,000 $60,000,000 $95,000 $4,092,000
Application Denied By Financial Institution 5,910 $821,059,000 $138,000 $1,950,000 $76,000 $2,040,000
Loan Purchased By The Institution 5,870 $1,169,526,000 $199,000 $53,200,000 $56,000 $1,020,000
Application Withdrawn By Applicant 2,777 $458,010,000 $164,000 $1,000,000 $85,000 $1,596,000
Application Approved But Not Accepted 1,938 $321,727,000 $166,000 $5,400,000 $94,000 $1,379,000
File Closed For Incompleteness 954 $170,129,000 $178,000 $900,000 $95,000 $1,015,000
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
Collateral 1,447 $237,868,000 $164,000 $1,950,000 $101,000 $2,040,000
Debt-To-Income Ratio 1,372 $187,517,000 $136,000 $1,475,000 $56,000 $856,000
Credit History 1,297 $140,645,000 $108,000 $1,545,000 $68,000 $1,410,000
Other 438 $56,100,000 $128,000 $780,000 $90,000 $1,221,000
Credit Application Incomplete 303 $49,570,000 $163,000 $563,000 $78,000 $797,000
Unverifiable Information 158 $23,957,000 $151,000 $480,000 $95,000 $1,000,000
Insufficient Cash (Downpayment, Closing Cost) 97 $16,412,000 $169,000 $718,000 $66,000 $325,000
Employment History 68 $8,200,000 $120,000 $351,000 $57,000 $280,000
Mortgage Insurance Denied 13 $2,252,000 $173,000 $286,000 $88,000 $121,000

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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