Albany-Schenectady-Troy, NY Metro Area Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 25,791 mortgage applications in Albany-Schenectady-Troy, NY metro area totaling $4.7 billion, down 30% from 2013. The average application was for $181,572, and applicants reported an average income of $86,000. 54% of applications resulted in an originated loan and 17% were denied. The most active lender was Homestead Funding Corp., with 2,245 applications, followed by Wells Fargo Bank NA 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 25,791
Total Mortgage Loan Application Amount $4,682,941,000
Average Mortgage Loan Application Amount $181,572
Highest Mortgage Loan Application Amount $65,000,000
Average Applicant Income $86,000
Highest Applicant Income $9,999,000

Mortgage Company List for Lending in Albany-Schenectady-Troy, NY for 2014

* 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
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 2,245 $ 422,239,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 2,134 $ 351,572,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 1,969 $ 349,053,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,522,056,000 1,742 $ 330,049,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,693,744,000 1,388 $ 102,237,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 401,329,000 1,148 $ 171,752,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 802 $ 145,007,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 678 $ 95,762,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 603 $ 198,968,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 561 $ 112,831,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 37,576,781,000 520 $ 87,620,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 447 $ 63,811,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 431 $ 83,519,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 418 $ 75,637,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 375 $ 49,973,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 750,934,000 332 $ 65,076,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,581,736,000 299 $ 36,266,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 270 $ 42,302,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 319,228,000 261 $ 63,529,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 241 $ 42,232,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 231 $ 34,371,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 221 $ 40,396,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 406,809,000 220 $ 27,413,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 216 $ 39,533,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 215 $ 39,184,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 413,971,000 202 $ 26,863,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 196 $ 29,436,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 189 $ 22,333,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,264,382,000 184 $ 40,319,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 173 $ 30,385,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 164 $ 28,571,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 164 $ 27,900,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 991,604,000 159 $ 31,215,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 151 $ 27,076,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 144 $ 23,815,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 141 $ 27,718,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 138 $ 28,892,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 132 $ 1,072,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 131 $ 17,295,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 130 $ 26,121,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 130 $ 23,355,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 121 $ 18,167,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 1,843,285,000 121 $ 16,311,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 119 $ 21,489,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 118 $ 17,610,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 116 $ 5,587,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 114 $ 21,533,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,477,891,000 109 $ 35,531,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 179,121,000 108 $ 10,184,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 257,219,000 108 $ 11,479,000
Berkshire Bank

ALBANY, NY 12207
* $ 5,645,664,000 105 $ 39,824,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 100 $ 14,337,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 99 $ 17,602,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 94 $ 4,756,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 267,012,000 86 $ 12,970,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 81 $ 12,225,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 78 $ 6,144,000
School Systems
150 DEFREEST DRIVE
TROY, NY 12180
* $ 72,084,000 76 $ 4,421,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 74 $ 43,995,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 72 $ 13,012,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 130,163,000 68 $ 7,702,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 65 $ 10,626,000
The National Union Bank of Kinderhook
1 HUDSON STREET
KINDERHOOK, NY 12106
* $ 329,840,000 62 $ 19,930,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 62 $ 11,758,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 58 $ 10,039,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 54 $ 11,768,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 54 $ 9,482,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 53 $ 10,035,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 53 $ 1,615,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 53 $ 7,733,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 71,153,000 52 $ 5,445,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,056,799,000 49 $ 72,573,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 48 $ 7,589,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 652,801,000 45 $ 6,629,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 42 $ 7,042,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 150,121,000 42 $ 7,375,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 41 $ 712,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 39 $ 7,025,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 39 $ 6,264,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 152,462,000 39 $ 4,253,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 38 $ 5,248,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 35 $ 1,132,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 33 $ 6,274,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 33 $ 5,011,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 31 $ 5,382,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 30 $ 3,506,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 28 $ 5,965,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,068,834,000 27 $ 1,914,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 27 $ 4,786,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 26 $ 6,432,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 26 $ 4,126,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 26 $ 4,316,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,884,304,000 25 $ 2,966,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,192,380,000 24 $ 5,427,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 24 $ 4,342,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 23 $ 1,053,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 22 $ 3,185,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ 10,000,000 22 $ 4,164,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,345,180,000 21 $ 3,839,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 21 $ 3,849,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 19 $ 3,495,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 22,971,000,000 19 $ 5,419,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 18 $ 2,627,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 18 $ 1,522,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 17 $ 2,941,000
Hampden Bank
19 HARRISON AVENUE
SPRINGFIELD, MA 01103
* $ 691,820,000 17 $ 734,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 17 $ 3,890,000
Rushmore Loan Management Servi
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ 117,300,000 17 $ 3,093,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 16 $ 4,346,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 16 $ 3,018,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 16 $ 1,781,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 15 $ 2,301,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 15 $ 3,746,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 15 $ 3,387,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 15 $ 2,383,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ 54,391,344,000 15 $ 91,500,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 14 $ 3,836,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,842,485,000 14 $ 2,253,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 14 $ 589,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 14 $ 2,976,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 13 $ 3,709,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 13 $ 2,627,000
Webster Five Cents Savings Bank
136 THOMPSON RD.
WEBSTER, MA 01570
* $ 552,100,000 13 $ 498,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 12 $ 3,095,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 141,772,000 12 $ 2,280,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 11 $ 2,435,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 10 $ 954,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 10 $ 28,399,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 10 $ 991,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 9 $ 1,756,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 9 $ 1,284,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 3,618,297,000 9 $ 2,011,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 410,770,000 9 $ 1,256,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 800,870,000 8 $ 1,928,000
Bank of New Hampshire
62 PLEASANT ST
LACONIA, NH 03246
* $ 1,189,922,000 8 $ 239,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 8 $ 1,361,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 8 $ 1,668,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 375,205,000 7 $ 1,692,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 7 $ 1,006,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 6 $ 1,299,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 6 $ 852,000
Equity Now Inc
215 LEXINGTON AVENUE, SUITE 1702
MAMARONECK, NY 10543
* $ 10,000,000 6 $ 1,282,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ 10,000,000 6 $ 1,824,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,573,160,000 6 $ 240,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 6 $ 219,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 6 $ 728,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,209,711,000 5 $ 1,152,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 870,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ 10,000,000 5 $ 1,327,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 5 $ 1,038,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 4 $ 483,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 4 $ 549,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 4 $ 873,000
First Federal Svg Bank Boston
100 BRICKSTONE SQUARE
ANDOVER, MA 01810
* $ 64,984,000 4 $ 705,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 5,444,999,000 4 $ 751,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,253,713,000 4 $ 925,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,569,087,000 4 $ 670,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ 10,000,000 4 $ 1,093,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 32,973,830,000 4 $ 32,680,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 43,047,727,000 4 $ 1,149,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 253,764,000 4 $ 976,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 502,872,000 4 $ 204,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 4,127,288,000 4 $ 10,199,000
First American Mortgage Trust
70 LEO M. BIRMINGHAM PARKWAY
BRIGHTON, MA 02135
* $ 10,000,000 3 $ 431,000
Shamrock Home Loans, Inc.
75 NEWMAN AVE
EAST PROVIDENCE, RI 02916
* $ 4,122,000 3 $ 433,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 499,849,000 3 $ 233,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 678,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 105,616,000,000 3 $ 1,999,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 3 $ 686,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 99,877,000,000 3 $ 763,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 3 $ 497,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 23,493,548,000 3 $ 293,000
Ukrainian Federal Credit Union
824 EAST RIDGE ROAD
ROCHESTER, NY 14621
* $ 169,867,000 3 $ 265,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 4,850,867,000 3 $ 472,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 3 $ 534,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,550,905,000 3 $ 265,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 340,728,000 3 $ 962,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,861,646,000 3 $ 1,076,000
Mortgage Enterprise, Ltd
393 OLD COUNTRY RD SUITE 301
CARLE PLACE, NY 11514
* $ 10,000,000 3 $ 474,000
Mountainone Bank
93 MAIN STREET
NORTH ADAMS, MA 01247
* $ 772,566,000 3 $ 945,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 8,122,963,000 3 $ 209,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 720,631,000 3 $ 296,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ 454,514,000 3 $ 430,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 617,585,000 3 $ 366,000
Hometown Bank of the Hudson VA
12 MAIN ST.
WALDEN, NY 12586
* $ 135,966,000 2 $ 310,000
Oritani Finance Company
1120 AVENUE OF THE AMERICAS
NEW YORK, NY 10036
* $ 2,560,000,000 2 $ 8,200,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ 4,785,307,000 2 $ 253,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 431,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 273,456,000 2 $ 99,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ 437,738,000 2 $ 139,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 129,747,000 2 $ 500,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,263,670,000 2 $ 38,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 855,594,000 2 $ 940,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 2 $ 177,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 2 $ 7,476,000
Self Help Federal Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 558,432,000 2 $ 554,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 3,970,070,000 2 $ 50,000
Grandbridge Real Est Capital
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 74,000,000,000 2 $ 14,700,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 173,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 2 $ 378,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 20,830,913,000 2 $ 219,000
Cathay Bank
9650 FLAIR DRIVE
LOS ANGELES, CA 90012
* $ 10,974,289,000 2 $ 260,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 59,304,805,000 2 $ 423,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 2 $ 452,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 598,835,000 2 $ 223,000
Trademark FCU
44 EDISON DRIVE
AUGUSTA, ME 04330
* $ 73,234,000 2 $ 103,000
The Harvard State Bank
35 N AYER ST, PO BOX 40
HARVARD, IL 60033
* $ 224,944,000 2 $ 111,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 574,021,000 2 $ 100,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,037,879,000 2 $ 742,000
The Bank of Carbondale
216 E MAIN STREET
CARBONDALE, IL 62901
* $ 211,028,000 2 $ 178,000
Reliant Bank
1736 CAROTHERS PKWY., STE. 100
BRENTWOOD, TN 37027
* $ 384,572,000 2 $ 335,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ 769,221,000 2 $ 257,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 2 $ 338,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 1,954,679,000 2 $ 150,000
William Raveis Mortgage, LLC
7 TRAP FALLS ROAD
SHELTON, CT 06484
* $ 10,000,000 1 $ 349,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ 10,000,000 1 $ 700,000
Agriculture Federal Credit Union
1400 INDEPENDENCE AVE SW
WASHINGTON, DC 20250
* $ 239,493,000 1 $ 30,000
Department of Commerce Federal Credit Union
P.O. BOX 14720
WASHINGTON, DC 20230
* $ 329,938,000 1 $ 159,000
Island Federal Credit Union
120 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 948,038,000 1 $ 55,000
Core Federal Credit Union
7200 KIRKVILLE RD
EAST SYRACUSE, NY 13057
* $ 80,771,000 1 $ 7,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,888,821,000 1 $ 55,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 293,363,000 1 $ 24,000
Andigo Credit Union
1501 E WOODFIELD RD
SCHAUMBURG, IL 60173
* $ 860,572,000 1 $ 149,000
Gold Credit Union
4703 HAMILTON BLVD
ALLENTOWN, PA 18103
* $ 117,911,000 1 $ 175,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 2,728,692,000 1 $ 149,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 259,906,000 1 $ 406,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 755,966,000 1 $ 250,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 3,910,000,000 1 $ 130,000
Town Center Bank
1938 E. LINCOLN HIGHWAY #101
NEW LENOX, IL 60451
* $ 91,638,000 1 $ 93,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,735,215,000 1 $ 68,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 144,156,000 1 $ 131,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,256,102,000 1 $ 96,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 149,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ 10,000,000 1 $ 112,000
Mortgage Master
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 1 $ 792,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,031,459,000 1 $ 20,000
Emery Federal Credit Union
7890 EAST KEMPER ROAD
CINCINNATI, OH 45249
* $ 165,034,000 1 $ 172,000
Heritage Financial Credit Union
25 RYKOWSKI LANE
MIDDLETOWN, NY 10941
* $ 301,412,000 1 $ 178,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 371,264,000 1 $ 30,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 2,049,359,000 1 $ 330,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 1,520,520,000 1 $ 10,000
The Upstate National Bank
150 STATE ST
OGDENSBURG, NY 14614
* $ 88,974,000 1 $ 165,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 1 $ 240,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 732,384,000 1 $ 270,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 376,000
Greenway Mortgage Funding Corp.
107 TINDALL ROAD
MIDDLETOWN, NJ 07748
* $ 7,907,000 1 $ 215,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 153,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 172,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 153,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 29,373,389,000 1 $ 302,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 71,737,435,000 1 $ 140,000
Atlantic Home Loans, Inc.
50 ROUTE 46
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 280,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING STREET
CRESSKILL, NJ 07626
* $ 10,000,000 1 $ 108,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ 51,703,000 1 $ 192,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,041,120,000 1 $ 15,000
Syracuse Fire Department Empl FCU
211 WILKINSON ST
SYRACUSE, NY 13204
* $ 76,205,000 1 $ 168,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 2,521,789,000 1 $ 50,000
Financial Trust Federal Credit Union
3333 HARLEM ROAD
BUFFALO, NY 14225
* $ 50,672,000 1 $ 196,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 456,942,000 1 $ 8,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 1 $ 144,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 886,396,000 1 $ 65,000
American Broadcast Employees FCU
7-11 FRONT STREET
ROCKVILLE CENTRE, NY 11570
* $ 105,822,000 1 $ 95,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 6,533,403,000 1 $ 3,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,524,000 1 $ 60,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 806,990,000 1 $ 12,000
Ulster Federal Credit Union
127 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 104,309,000 1 $ 25,000
Adp FCU
ONE ADP BLVD
ROSELAND, NJ 07068
* $ 64,622,000 1 $ 245,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 778,902,000 1 $ 83,000
Mill City Credit Union
9999 WAYZATA BOULEVARD
MINNETONKA, MN 55305
* $ 302,778,000 1 $ 193,000
Greylock Federal Credit Union
150 WEST ST.
PITTSFIELD, MA 01201
* $ 1,093,618,000 1 $ 60,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 4,749,631,000 1 $ 61,000
Novartis Federal Credit Union
124 S RIDGEDALE AVE
EAST HANOVER, NJ 07936
* $ 130,650,000 1 $ 135,000
Usny Bank
389 HAMILTON STREET
GENEVA, NY 14456
* $ 179,849,000 1 $ 48,000
Community & Southern Bank
3333 RIVERWOOD PARKWAY SUITE #350
ATLANTA, GA 30339
* $ 2,805,106,000 1 $ 20,000,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 986,791,000 1 $ 312,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,033,309,000 1 $ 140,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,412,590,000 1 $ 85,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 1 $ 300,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 409,634,000 1 $ 335,000
First Personal Bank
14701 S RAVINIA AVE
ORLAND PARK, IL 60462
* $ 165,791,000 1 $ 43,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 353,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 275,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 380,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 190,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 1 $ 145,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 142,000
Oneida Savings Bank
182 MAIN STREET
ONEIDA, NY 13421
* $ 742,461,000 1 $ 222,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ 1,015,355,000 1 $ 59,000
Wall Street Mortgage Bankers
1111 MARCUS AVE, LL08
LAKE SUCCESS, NY 11042
* $ 10,000,000 1 $ 375,000
Florida Community Bank, National Association
2500 WESTON ROAD #300
WESTON, FL 33331
* $ 3,881,837,000 1 $ 463,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 485,792,000 1 $ 472,000
Gladewater National Bank
678 N MAIN
GLADEWATER, TX 75647
* $ 55,642,000 1 $ 137,000
Bank of Whittier, NA
15141 E WHITTIER BLVD
WHITTIER, CA 90603
* $ 58,232,000 1 $ 130,000
Sun National Bank
226 LANDIS AVE.
VINELAND, NJ 08360
* $ 3,082,318,000 1 $ 288,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 176,000
Liberty Bank
315 MAIN STREET
MIDDLETOWN, CT 06457
* $ 3,589,602,000 1 $ 40,000,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ 10,000,000 1 $ 137,000
Continental Mortgage Bankers Inc
1025 OLD COUNTRY RD
WESTBURY, NY 11590
* $ 10,000,000 1 $ 195,000
Summit Mortgage Bankers, Inc.
3660 MAIN STREET, 3RD FLOOR
FLUSHING, NY 11354
* $ 1,400,000 1 $ 330,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ 9,310,000 1 $ 255,000

The tables below break down 2014 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 2014

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 13,493 $2,808,717,000 $208,000 $65,000,000 $86,000 $8,462,000
Refinancing 9,797 $1,630,758,000 $166,000 $20,000,000 $85,000 $9,999,000
Home Improvement 2,501 $243,466,000 $97,000 $21,140,000 $86,000 $9,999,000

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 19,126 $3,087,401,000 $161,000 $1,840,000 $94,000 $9,999,000
Not applicable 2,283 $908,005,000 $397,000 $65,000,000 $5,000 $380,000
Not Provided 2,178 $342,113,000 $157,000 $1,278,000 $97,000 $9,600,000
Asian 829 $155,417,000 $187,000 $715,000 $95,000 $1,227,000
Black or African American 718 $93,667,000 $130,000 $528,000 $72,000 $2,280,000
Hispanic 497 $73,222,000 $147,000 $840,000 $87,000 $894,000
American Indian or Alaskan Native 96 $13,772,000 $143,000 $477,000 $96,000 $724,000
Native Hawaiian or Other Pacific Islander 64 $9,344,000 $146,000 $417,000 $74,000 $476,000

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) 18,798 $3,505,792,000 $186,000 $65,000,000 $97,000 $9,999,000
FHA-insured (Federal Housing Administration) 4,834 $761,145,000 $157,000 $21,140,000 $51,000 $1,000,000
VA-guaranteed (Veterans Administration) 1,529 $318,452,000 $208,000 $861,000 $67,000 $971,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 630 $97,552,000 $154,000 $335,000 $51,000 $110,000

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 13,859 $2,716,921,000 $196,000 $65,000,000 $97,000 $9,999,000
Application Denied By Financial Institution 4,346 $561,431,000 $129,000 $1,278,000 $76,000 $9,999,000
Loan Purchased By The Institution 3,594 $659,425,000 $183,000 $19,300,000 $34,000 $723,000
Application Withdrawn By Applicant 2,098 $441,742,000 $210,000 $40,000,000 $99,000 $2,566,000
Application Approved But Not Accepted 1,229 $192,330,000 $156,000 $1,270,000 $104,000 $8,462,000
File Closed For Incompleteness 665 $111,092,000 $167,000 $1,278,000 $102,000 $9,600,000
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
Credit History 975 $94,897,000 $97,000 $650,000 $86,000 $9,999,000
Debt-To-Income Ratio 919 $118,820,000 $129,000 $1,278,000 $60,000 $489,000
Collateral 707 $102,431,000 $144,000 $1,000,000 $95,000 $720,000
Other 280 $33,794,000 $120,000 $700,000 $87,000 $1,000,000
Credit Application Incomplete 227 $36,712,000 $161,000 $583,000 $86,000 $450,000
Insufficient Cash (Downpayment, Closing Cost) 68 $9,556,000 $140,000 $370,000 $60,000 $247,000
Unverifiable Information 63 $8,030,000 $127,000 $455,000 $64,000 $240,000
Employment History 52 $6,816,000 $131,000 $390,000 $60,000 $141,000
Mortgage Insurance Denied 2 $131,000 $65,000 $81,000 $74,000 $120,000

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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