Albany-Schenectady-Troy, NY Metro Area Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 27,758 mortgage applications in Albany-Schenectady-Troy, NY metro area totaling $5.7 billion, down 27% from 2022. The average application was for $206,266, and applicants reported an average income of $124,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Broadview Federal Credit Union, with 4,686 applications, followed by Sefcu Services, LLC and Trustco Bank.

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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 27,758
Total Mortgage Loan Application Amount $5,725,540,000
Average Mortgage Loan Application Amount $206,266
Highest Mortgage Loan Application Amount $32,905,000
Average Applicant Income $124,000
Highest Applicant Income $3,717,000

Mortgage Company List for Lending in Albany-Schenectady-Troy, NY for 2023

* 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
* $ 7,999,108,000 4,686 $ 386,580,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 2,608 $ 744,390,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 5,999,551,000 1,691 $ 290,685,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1,622 $ 433,100,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 1,121,757,000 1,200 $ 179,760,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 1,193 $ 175,565,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,834,148,000 924 $ 224,850,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 851 $ 214,625,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 691 $ 116,355,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 592 $ 50,240,000
First New York Federal Credit Union
2 WALL STREET
ALBANY, NY 12205
* $ 453,220,000 519 $ 64,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 504 $ 114,010,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 895,584,000 489 $ 164,885,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 446 $ 67,680,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 427 $ 72,025,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 361 $ 96,385,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 317 $ 80,225,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 316 $ 82,770,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 304 $ 79,270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 265 $ 27,585,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 753,438,000 261 $ 86,585,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 257 $ 52,835,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 238 $ 60,890,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 506,511,000 233 $ 64,535,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 230 $ 56,950,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 226 $ 54,970,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 1,640,057,000 206 $ 58,680,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 203 $ 56,485,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 184 $ 50,850,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 183 $ 17,195,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 177 $ 54,305,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 155 $ 31,855,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 151 $ 15,785,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 669,571,000 139 $ 27,995,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 133 $ 36,495,000
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 3,125,180,000 122 $ 27,740,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 118 $ 23,160,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 108 $ 33,500,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 102 $ 25,380,000
Catskill Hudson Bank
101 KINGS MALL CT
KINGSTON, NY 12401
* $ 576,539,000 100 $ 43,260,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 329,430,000 91 $ 12,615,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,656,860,000 87 $ 39,085,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 85 $ 21,125,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,641,568,000 84 $ 85,190,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 79 $ 33,255,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 78 $ 15,800,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 73 $ 16,015,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 1,747,013,000 72 $ 21,810,000
Saratoga's Community Federal Credit Union
189 BALLSTON AVE
SARATOGA SPRINGS, NY 12866
* $ 58,887,000 68 $ 6,700,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 65 $ 17,025,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 65 $ 15,075,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 62 $ 12,990,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 61 $ 13,455,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 61 $ 35,935,000
Bank of Richmondville
857 EAST MAIN STREET
COBLESKILL, NY 12043
* $ 179,581,000 61 $ 8,155,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 60 $ 13,140,000
Nextstep FCU
150 DEFREEST DRIVE
TROY, NY 12180
* $ 120,400,000 58 $ 5,010,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 57 $ 12,135,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 54 $ 16,700,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 53 $ 4,075,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 6,691,880,000 52 $ 11,010,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 295,788,000 51 $ 4,685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 49 $ 6,185,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 48 $ 6,140,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 114,308,000 47 $ 3,785,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 46 $ 8,500,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 2,611,099,000 46 $ 15,540,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 45 $ 13,585,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ -1,000 45 $ 8,575,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 38 $ 11,290,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 36 $ 6,640,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ -1,000 35 $ 5,205,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 34 $ 7,080,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 33 $ 4,885,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 33 $ 9,095,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 31 $ 6,445,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 31 $ 4,645,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 30 $ 7,210,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 30 $ 2,570,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 30 $ 4,330,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 29 $ 5,685,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 27 $ 6,655,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 27 $ 9,545,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ 792,493,000 25 $ 1,425,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 25 $ 5,955,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 25 $ 7,515,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 24 $ 5,860,000
Cliffco, Inc.
1065 OLD COUNTRY ROAD SUITE 204
UNIONDALE, NY 11553
* $ -1,000 23 $ 4,555,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 23 $ 7,765,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 23 $ 6,805,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 23 $ 4,985,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 22 $ 2,370,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 22 $ 6,050,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 21 $ 5,315,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 21 $ 6,935,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 21 $ 6,715,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 20 $ 3,940,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 20 $ 4,180,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 20 $ 4,780,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 20 $ 4,530,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 19 $ 3,845,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 19 $ 4,975,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 18 $ 3,950,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 2,696,102,000 16 $ 2,560,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 16 $ 2,430,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 3,440,092,000 16 $ 3,310,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 16 $ 3,660,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 16 $ 4,370,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 15 $ 3,495,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 15 $ 7,025,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 14 $ 1,930,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ -1,000 14 $ 3,650,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 3,193,673,000 14 $ 2,860,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 632,715,000 13 $ 3,085,000
Shelter Growth Capital Partners LLC
750 WASHINGTON BLVD
WILMINGTON, DE 06901
* $ -1,000 13 $ 1,995,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 4,219,232,000 13 $ 2,055,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 13 $ 3,295,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 13 $ 2,375,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 11,281,243,000 13 $ 3,705,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 12 $ 3,280,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 2,048,365,000 12 $ 1,850,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 11 $ 2,475,000
Greylock Federal Credit Union
150 WEST ST.
PITTSFIELD, MA 01201
* $ 1,551,541,000 11 $ 1,985,000
Silver Hill Funding
4425 PONCE DE LEON BLVD
CORAL GABLES, FL 33146
* $ -1,000 11 $ 2,505,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 2,375,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 10 $ 3,030,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ -1,000 10 $ 2,200,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 1,247,761,000 10 $ 3,610,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 10 $ 2,700,000
The People's Credit Union
858 WEST MAIN ROAD
MIDDLETOWN, RI 02842
* $ 687,853,000 9 $ 465,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ 1,422,290,000 9 $ 1,375,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 9 $ 2,725,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 9 $ 2,885,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 8 $ 1,200,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ -1,000 8 $ 1,660,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ -1,000 8 $ 1,680,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 4,230,638,000 8 $ 1,230,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 8 $ 2,110,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 8 $ 1,320,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 7 $ 1,085,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 162,436,537,000 7 $ 1,555,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 7 $ 1,345,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ -1,000 7 $ 15,605,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ -1,000 7 $ 1,475,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 7 $ 1,965,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ -1,000 6 $ 1,480,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 6 $ 1,410,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 6 $ 150,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 6 $ 1,290,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 6 $ 2,310,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 6 $ 1,330,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 6 $ 730,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,753,561,000 5 $ 1,565,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ -1,000 5 $ 1,105,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 5 $ 1,055,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre
1010 NORTHERN BLVD., SUITE 336
GREAT NECK, NY 11021
* $ -1,000 5 $ 1,145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,085,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 5 $ 2,615,000
Salisbury Bank and Trust Company
PO BOX 1868
LAKEVILLE, CT 06039
* $ 1,541,582,000 5 $ 1,535,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 3,050,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 3,907,360,000 4 $ 880,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 57,451,653,000 4 $ 1,280,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,154,561,000 4 $ 250,000
Cathay Bank
9650 FLAIR DRIVE
LOS ANGELES, CA 90012
* $ 21,936,467,000 4 $ 800,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 720,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 16,706,914,000 4 $ 2,100,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 4 $ 450,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ -1,000 4 $ 580,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 3 $ 165,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ 2,820,893,000 3 $ 175,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 3 $ 635,000
Sawyer Savings Bank
PO BOX 420
SAUGERTIES, NY 12477
* $ 277,985,000 3 $ 955,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 3 $ 455,000
Adams Community Bank
2 CENTER STREET
ADAMS, MA 01220
* $ 931,600,000 3 $ 955,000
Gfa Federal Credit Union
PO BOX 468
GARDNER, MA 01440
* $ 658,233,000 3 $ 175,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 5,548,911,000 3 $ 415,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 3 $ 885,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 3 $ 56,935,000
Northern Credit Union
120 FACTORY ST
WATERTOWN, NY 13601
* $ 598,530,000 3 $ 475,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ -1,000 3 $ 4,455,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 3 $ 1,615,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 170,957,000 3 $ 245,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 1,025,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 17,893,084,000 3 $ 1,305,000
Heritage Financial Credit Union
25 RYKOWSKI LANE
MIDDLETOWN, NY 10941
* $ 622,889,000 3 $ 205,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 120,987,397,000 3 $ 945,000
Lee Bank
75 PARK STREET
LEE, MA 01238
* $ 529,900,000 2 $ 610,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 2 $ 460,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ 524,847,000 2 $ 670,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 745,082,000 2 $ 590,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 8,876,888,000 2 $ 210,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 2 $ 50,000
First Central Savings Bank
70 GLEN STREET
GELN COVE, NY 11542
* $ 903,989,000 2 $ 460,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 810,000
Abl Rpc Residential Credit Acquisition LLC
30 MONTGOMERY ST STE 150
JERSEY CITY, NJ 07302
* $ -1,000 2 $ 890,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 2 $ 390,000
Jet Direct Funding Corp.
111 WEST MAIN STREET SUITE 110
BAY SHORE, NY 11706
* $ -1,000 2 $ 580,000
Equity Now Inc
215 LEXINGTON AVENUE, SUITE 1702
MAMARONECK, NY 10543
* $ -1,000 2 $ 150,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 2 $ 660,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ -1,000 2 $ 600,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 2 $ 230,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 2 $ 41,590,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 2 $ 41,590,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 632,992,000 2 $ 190,000
Ark Mortgage, Inc.
400 RELLA BLVD SUITE 300
MONTEBELLO, NY 10901
* $ -1,000 2 $ 230,000
Constructive Loans LLC
1801 S MEYERS RD
OAKBROOK TERRACE, IL 60181
* $ -1,000 2 $ 230,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 2,931,809,000 2 $ 380,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,739,271,000 2 $ 410,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 240,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ 828,530,000 2 $ 400,000
Ponce Bank
2244 WESTCHESTER AVE
BRONX, NY 10462
* $ 2,300,787,000 2 $ 440,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 485,553,000,000 2 $ 6,230,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 4,739,658,000 2 $ 410,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 390,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 397,701,000 2 $ 220,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,817,155,000 2 $ 110,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 977,048,000 2 $ 480,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 71,166,370,000 2 $ 28,620,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 155,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 1 $ 45,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,987,615,000 1 $ 445,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 303,261,000 1 $ 385,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 28,274,145,000 1 $ 35,000
Industrial and Commercial Bank of China (USA) NA
1633 BROADWAY, 28TH FLOOR
NEW YORK, NY 10036
* $ 2,894,890,000 1 $ 185,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ 2,028,684,000 1 $ 325,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 42,076,662,000 1 $ 435,000
Seneca Savings
35 OSWEGO ST.
BALDWINSVILLE, NY 13027
* $ 235,191,000 1 $ 65,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 4,464,686,000 1 $ 115,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ 1,254,936,000 1 $ 545,000
Island Federal Credit Union
120 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 1,404,955,000 1 $ 305,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 1 $ 685,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ -1,000 1 $ 165,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 1 $ 205,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 385,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 6,668,165,000 1 $ 55,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 95,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 235,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,622,526,000 1 $ 175,000
Pittsfield Cooperative Bank
70 SOUTH ST
PITTSFIELD, MA 01201
* $ 392,259,000 1 $ 275,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,778,066,000 1 $ 255,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 4,471,539,000 1 $ 35,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 1,295,200,000 1 $ 25,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 7,630,619,000 1 $ 315,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 2,703,475,000 1 $ 75,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 235,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ -1,000 1 $ 195,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ -1,000 1 $ 1,755,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 384,938,000 1 $ 35,000
Patriot One Mortgage Bankers
142 WILLIS AVE
MINEOLA, NY 11501
* $ -1,000 1 $ 285,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ -1,000 1 $ 1,985,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 1 $ 365,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ -1,000 1 $ 255,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 195,000
Stanford Federal Credit Union
1860 EMBARCADERO ROAD
PALO ALTO, CA 94303
* $ 4,004,477,000 1 $ 295,000
Newpoint Real Estate Capital
5800 TENNYSON PARKWAY, SUITE 200
PLANO, TX 75024
* $ -1,000 1 $ 15,895,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 1 $ 175,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 125,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ 542,205,000 1 $ 365,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 222,428,000 1 $ 165,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 649,833,000 1 $ 55,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,502,081,000 1 $ 95,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 85,000
Chambers Bank
901 MAIN STREET
DANVILLE, AR 72833
* $ 1,272,197,000 1 $ 355,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 401,943,000 1 $ 225,000
Ocean Financial FCU
45 ATLANTIC AVENUE
OCEANSIDE, NY 11572
* $ 371,918,000 1 $ 65,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 1,697,684,000 1 $ 25,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,087,397,000 1 $ 175,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 255,000
Provident Bank
239 WASHINGTON STREET
JERSEY CITY, NJ 07302
* $ 13,778,066,000 1 $ 155,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ 19,159,409,000 1 $ 205,000
Five Star Bank
2240 DOUGLAS BLVD
ROSEVILLE, CA 95661
* $ 3,224,069,000 1 $ 1,765,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 295,000
Trademark FCU
44 EDISON DRIVE
AUGUSTA, ME 04330
* $ 118,382,000 1 $ 35,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,746,039,000 1 $ 155,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 1 $ 205,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ 894,786,000 1 $ 55,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 31,679,817,000 1 $ 285,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 195,000
Connectone Bank
301 SYLVAN AVENUE
ENGLEWOOD CLIFFS, NJ 07632
* $ 9,640,575,000 1 $ 285,000
Central One Federal Credit Union
714 MAIN ST
SHREWSBURY, MA 01545
* $ 762,143,000 1 $ 105,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 1,116,398,000 1 $ 295,000
Actors Federal Credit Union
165 WEST 46TH STREET
NEW YORK, NY 10036
* $ 293,274,000 1 $ 55,000
First Fed Bank
105 W 8TH ST
PORT ANGELES, WA 98362
* $ 2,019,046,000 1 $ 135,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 115,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 283,962,000 1 $ 345,000
Lynx Mortgage Bank LLC
143 POST AVE
WESTBURY, NY 11590
* $ -1,000 1 $ 585,000
Teg Federal Credit Union
1 COMMERCE ST.
POUGHKEEPSIE, NY 12603
* $ 400,289,000 1 $ 355,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,172,623,000 1 $ 55,000
First Intercontinental Bank

DULUTH, GA 30096
* $ 1,028,049,000 1 $ 265,000
Blair Services of America, Inc
1121 OLD WALT WHITMMAN ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 245,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,138,111,000 1 $ 175,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ -1,000 1 $ 405,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 135,000
Adirondack Bank
185 GENESEE ST
UTICA, NY 13501
* $ 954,358,000 1 $ 55,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,208,483,000 1 $ 525,000
Mountainone Bank
93 MAIN STREET
NORTH ADAMS, MA 01247
* $ 922,461,000 1 $ 25,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 78,672,073,000 1 $ 225,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ 14,547,035,000 1 $ 525,000
Corevestamericanfinancelenderllc
1920 MAIN ST #850
IRVINE, CA 92614
* $ -1,000 1 $ 685,000
Midamerica National Bank
100 W ELM ST
CANTON, IL 61520
* $ 575,105,000 1 $ 115,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 1 $ 305,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 225,000

The tables below break down 2023 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 2023

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 13,761 $3,930,515,000 $285,000 $32,905,000 $130,000 $3,019,000
Home Improvement 5,530 $476,100,000 $86,000 $7,505,000 $121,000 $3,590,000
Other Purpose 3,174 $291,640,000 $91,000 $1,755,000 $124,000 $3,717,000
Cash-out Refinancing 2,919 $594,005,000 $203,000 $20,405,000 $110,000 $3,609,000
Refinancing 2,247 $418,185,000 $186,000 $13,005,000 $119,000 $3,639,000
Not Applicable 127 $15,095,000 $118,000 $665,000 $108,000 $288,000

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 17,554 $3,130,860,000 $178,000 $2,505,000 $125,000 $3,717,000
Not Provided 3,483 $747,575,000 $214,000 $7,155,000 $130,000 $3,609,000
Not applicable 2,444 $1,013,020,000 $414,000 $32,905,000 $155,000 $1,158,000
Asian 1,555 $361,715,000 $232,000 $1,455,000 $127,000 $1,836,000
Black or African American 1,332 $228,750,000 $171,000 $965,000 $97,000 $1,555,000
Hispanic 963 $176,755,000 $183,000 $1,605,000 $112,000 $1,440,000
American Indian or Alaskan Native 160 $23,070,000 $144,000 $605,000 $102,000 $600,000
Native Hawaiian or Other Pacific Islander 35 $4,135,000 $118,000 $385,000 $113,000 $960,000

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) 23,962 $4,801,740,000 $200,000 $32,905,000 $129,000 $3,717,000
FHA-insured (Federal Housing Administration) 2,873 $651,815,000 $226,000 $655,000 $85,000 $356,000
VA-guaranteed (Veterans Administration) 877 $263,715,000 $300,000 $945,000 $106,000 $672,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $8,270,000 $179,000 $275,000 $83,000 $122,000

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 16,165 $3,503,335,000 $216,000 $32,905,000 $131,000 $3,717,000
Application Denied By Financial Institution 4,604 $646,350,000 $140,000 $13,005,000 $97,000 $3,271,000
Application Withdrawn By Applicant 3,178 $722,070,000 $227,000 $17,155,000 $128,000 $3,609,000
Loan Purchased By The Institution 2,060 $540,110,000 $262,000 $2,025,000 $140,000 $1,158,000
File Closed For Incompleteness 893 $140,455,000 $157,000 $1,595,000 $132,000 $1,915,000
Application Approved But Not Accepted 842 $168,700,000 $200,000 $2,505,000 $114,000 $2,788,000
Preapproval Denied by Financial Institution 10 $2,330,000 $233,000 $355,000 $86,000 $134,000
Preapproval Approved but not Accepted 6 $2,190,000 $365,000 $1,125,000 $159,000 $560,000

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 22,912 $5,017,650,000 $218,000 $32,905,000 $130,000 $3,717,000
Debt-To-Income Ratio 1,859 $305,205,000 $164,000 $5,005,000 $82,000 $1,063,000
Credit History 1,249 $125,955,000 $100,000 $1,195,000 $98,000 $1,555,000
Collateral 699 $110,715,000 $158,000 $13,005,000 $125,000 $3,271,000
Other 543 $73,565,000 $135,000 $5,255,000 $122,000 $1,927,000
Credit Application Incomplete 303 $55,005,000 $181,000 $905,000 $110,000 $1,548,000
Unverifiable Information 75 $11,295,000 $150,000 $465,000 $167,000 $2,880,000
Insufficient Cash (Downpayment, Closing Cost) 66 $16,060,000 $243,000 $1,725,000 $96,000 $505,000
Employment History 52 $10,090,000 $194,000 $495,000 $72,000 $283,000
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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