Broome County, NY Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 4,598 mortgage applications in Broome County, NY totaling $471.8 million, down 6% from 2016. The average application was for $102,000, and applicants reported an average income of $68,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Visions Federal Credit Union, with 908 applications, followed by M&T Bank and Wells Fargo Bank NA.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 4,598
Total Mortgage Loan Application Amount $471,781,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $68,000
Highest Applicant Income $2,333,000

Mortgage Company List for Lending in Broome County, NY for 2017

* 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
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 3,710,899,000 908 $ 96,794,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,631,667,000 362 $ 23,228,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 250 $ 27,993,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 196 $ 24,320,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 8,792,872,000 172 $ 14,214,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 169 $ 15,425,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 461,536,000 139 $ 18,312,000
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 573,573,000 120 $ 15,085,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ -1,000 105 $ 12,860,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 105 $ 11,508,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 96 $ 11,187,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,328,515,000 95 $ 5,452,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 134,362,217,000 75 $ 4,446,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 70 $ 8,373,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 69 $ 7,799,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 68 $ 4,997,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 66 $ 8,263,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 66 $ 7,331,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,543,898,000 63 $ 2,536,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 53 $ 6,628,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ 143,001,000 52 $ 3,833,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 52 $ 5,051,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,655,664,000 50 $ 4,838,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 45 $ 4,165,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 44 $ 4,676,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 8,604,114,000 41 $ 2,939,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 38 $ 4,968,000
Horizons Federal Credit Union
120 MAIN ST
BINGHAMTON, NY 13905
* $ 106,088,000 37 $ 3,176,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 33 $ 3,880,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 32 $ 2,993,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 31 $ 454,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 29 $ 4,003,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 28 $ 2,047,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 27 $ 3,542,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 27 $ 3,795,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 26 $ 3,344,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 22 $ 2,597,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 20 $ 1,961,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 19 $ 1,854,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 17 $ 2,373,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 17 $ 1,668,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 1,995,179,000 16 $ 5,091,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 16 $ 1,066,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 16 $ 1,960,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 15 $ 1,547,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 12 $ 848,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 12 $ 1,009,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 10 $ 350,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 7,568,756,000 10 $ 689,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,287,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 1,110,209,000 9 $ 1,247,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 9 $ 974,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 9 $ 633,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,483,848,000 8 $ 517,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 7 $ 887,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 7 $ 971,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 7 $ 512,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 150,289,000 7 $ 415,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ -1,000 6 $ 1,448,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,027,051,000 6 $ 450,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 6 $ 851,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 719,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,228,026,000 6 $ 768,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 203,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 5 $ 664,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 753,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 5 $ 513,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 5 $ 68,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 733,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 303,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 469,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 4 $ 705,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 569,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 197,206,045,000 4 $ 430,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,294,045,000 4 $ 300,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 426,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 4 $ 424,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 4 $ 697,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,032,698,000 3 $ 430,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 95,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 3 $ 446,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,444,996,000 3 $ 110,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 3 $ 56,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 99,554,985,000 3 $ 563,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 11,254,182,000 3 $ 67,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 269,030,606,000 3 $ 234,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 2 $ 207,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ -1,000 2 $ 253,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 491,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 2 $ 149,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 19,227,800,000 2 $ 392,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 1,102,606,000 2 $ 165,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,850,010,000 2 $ 273,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ 621,531,000 2 $ 203,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,962,318,000 2 $ 258,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 289,000
National Bank of Commerce
813 SHADES CREEK PARKWAY SUITE 100
BIRMINGHAM, AL 35209
* $ 1,947,903,000 2 $ 216,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 2 $ 367,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 487,000
Family First Funding LLC
215 MAIN STREET, #2A
TOMS RIVER, NJ 08753
* $ -1,000 2 $ 330,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 1 $ 310,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 90,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,160,352,000 1 $ 211,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 130,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ -1,000 1 $ 76,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 900,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 5,462,012,000 1 $ 25,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 118,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 179,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 225,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 70,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ -1,000 1 $ 152,000
Ffc Mortgage Corp.
155 CORPORATE WOODS SUITE 320
ROCHESTER, NY 14623
* $ -1,000 1 $ 80,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 1 $ 417,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 973,152,000 1 $ 101,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,121,439,000 1 $ 105,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 18,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 151,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 1 $ 155,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 48,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 65,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,220,069,000 1 $ 90,000
BNC National Bank

BISMARCK, ND 58501
* $ 908,911,000 1 $ 152,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 69,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,432,467,000 1 $ 166,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 80,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ 280,204,000 1 $ 30,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,456,661,000 1 $ 105,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 4,518,183,000 1 $ 190,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 84,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,155,641,000 1 $ 300,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ -1,000 1 $ 124,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 93,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 955,903,000 1 $ 103,000
Access
6 FRANKLIN AVE
CLINTON, NY 13323
* $ 161,605,000 1 $ 45,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 1 $ 210,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 200,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 322,101,000 1 $ 34,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 52,958,000,000 1 $ 84,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,186,502,000 1 $ 64,000
Lynx Mortgage Bank LLC
143 POST AVE
WESTBURY, NY 11590
* $ -1,000 1 $ 97,000
Banco Popular North America
85 BROAD STREET
NEW YORK, NY 10004
* $ 8,629,295,000 1 $ 50,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 449,036,000 1 $ 132,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 136,031,000 1 $ 83,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 817,813,000 1 $ 900,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 72,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 4,745,201,000 1 $ 58,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ -1,000 1 $ 135,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,162,097,000 1 $ 67,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 155,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 37,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 431,029,000 1 $ 93,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ -1,000 1 $ 420,000
Inspire Federal Credit Union
3 FRIENDS LANE, SUITE 100
NEWTOWN, PA 18940
* $ 129,001,000 1 $ 5,000

The tables below break down 2017 mortgage applications in Broome County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Broome County, NY in 2017

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 2,492 $293,992,000 $117,000 $945,000 $69,000 $2,333,000
Refinancing 1,373 $150,824,000 $109,000 $2,000,000 $67,000 $2,000,000
Home Improvement 733 $26,965,000 $36,000 $1,400,000 $66,000 $550,000

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 3,461 $341,307,000 $98,000 $1,300,000 $74,000 $2,333,000
Not applicable 461 $60,724,000 $131,000 $2,000,000 $11,000 $338,000
Not Provided 324 $34,465,000 $106,000 $760,000 $77,000 $1,174,000
Black or African American 127 $11,268,000 $88,000 $500,000 $70,000 $425,000
Asian 112 $13,523,000 $120,000 $500,000 $104,000 $550,000
Hispanic 91 $8,219,000 $90,000 $280,000 $67,000 $234,000
American Indian or Alaskan Native 20 $2,217,000 $110,000 $247,000 $58,000 $168,000
Native Hawaiian or Other Pacific Islander 2 $58,000 $29,000 $43,000 $55,000 $61,000

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) 3,123 $310,766,000 $99,000 $2,000,000 $80,000 $2,333,000
FHA-insured (Federal Housing Administration) 1,123 $114,705,000 $102,000 $329,000 $40,000 $259,000
VA-guaranteed (Veterans Administration) 296 $40,863,000 $138,000 $418,000 $54,000 $301,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $5,447,000 $97,000 $152,000 $32,000 $77,000

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 2,514 $267,448,000 $106,000 $2,000,000 $78,000 $2,000,000
Application Denied By Financial Institution 718 $58,924,000 $82,000 $850,000 $59,000 $550,000
Loan Purchased By The Institution 548 $60,919,000 $111,000 $500,000 $30,000 $537,000
Application Withdrawn By Applicant 529 $54,902,000 $103,000 $900,000 $73,000 $2,333,000
Application Approved But Not Accepted 156 $15,544,000 $99,000 $328,000 $68,000 $425,000
File Closed For Incompleteness 133 $14,044,000 $105,000 $424,000 $70,000 $628,000
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 128 $6,729,000 $52,000 $417,000 $64,000 $550,000
Debt-To-Income Ratio 100 $7,108,000 $71,000 $450,000 $44,000 $186,000
Collateral 85 $9,180,000 $108,000 $263,000 $69,000 $363,000
Other 49 $3,713,000 $75,000 $291,000 $62,000 $391,000
Credit Application Incomplete 41 $5,047,000 $123,000 $300,000 $69,000 $216,000
Unverifiable Information 17 $1,444,000 $84,000 $266,000 $63,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 9 $697,000 $77,000 $170,000 $46,000 $93,000
Employment History 2 $279,000 $139,000 $143,000 $73,000 $146,000
Mortgage Insurance Denied 1 $40,000 $40,000 $40,000 $10,000 $10,000

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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