Cattaraugus County, NY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,837 mortgage applications in Cattaraugus County, NY totaling $146.2 million, up 3% from 2015. The average application was for $79,000, and applicants reported an average income of $65,000. 58% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 502 applications, followed by Five Star Bank and M&T 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 | 1,837 |
| Total Mortgage Loan Application Amount | $146,227,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $528,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,407,000 |
* 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 |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,494,486,000 | 502 | $ 23,748,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 3,356,987,000 | 155 | $ 9,278,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 94 | $ 4,693,000 |
| Cattaraugus County Bank 120 MAIN STREET LITTLE VALLEY, NY 14755 |
* | $ 207,482,000 | 77 | $ 5,216,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 70 | $ 7,647,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,993,107,000 | 56 | $ 4,839,000 |
| Bank of Holland 12 SOUTH MAIN ST. HOLLAND, NY 14080 |
* | $ 94,817,000 | 52 | $ 3,490,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 48 | $ 4,556,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 36 | $ 4,359,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 36 | $ 2,354,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 30 | $ 3,201,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 30 | $ 3,717,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 26 | $ 1,873,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 23 | $ 2,323,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 23 | $ 2,989,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,034,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 39,860,456,000 | 20 | $ 2,080,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 18 | $ 1,318,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,572,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 15 | $ 1,752,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 14 | $ 1,481,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,295,156,000 | 14 | $ 808,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 13 | $ 1,350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 11 | $ 1,384,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 11 | $ 583,000 |
| Alden State Bank 13216 BROADWAY ALDEN, NY 14004 |
* | $ 280,531,000 | 11 | $ 1,884,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 933,815,000 | 10 | $ 1,318,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 10 | $ 1,038,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 9 | $ 1,303,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 9 | $ 1,119,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 8 | $ 610,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 8 | $ 1,417,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 8 | $ 877,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 7 | $ 432,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 7 | $ 666,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 757,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 7 | $ 127,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 6 | $ 384,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 6 | $ 1,197,000 |
| Lake Shore Bank 31 E FOURTH STREET DUNKIRK, NY 14048 |
* | $ 473,798,000 | 6 | $ 488,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 866,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 705,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 5 | $ 233,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 453,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 5 | $ 295,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 5 | $ 733,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 5 | $ 671,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 183,138,215,000 | 5 | $ 338,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 838,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 5 | $ 655,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 5 | $ 593,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 138,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 540,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 4 | $ 333,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 4 | $ 580,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 4 | $ 444,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 4 | $ 186,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,264,480,000 | 4 | $ 569,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,613,141,000 | 3 | $ 706,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,247,579,000 | 3 | $ 308,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 254,534,000 | 3 | $ 519,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 3 | $ 492,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 3 | $ 485,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 3 | $ 351,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 10,016,511,000 | 3 | $ 487,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ 1,192,000 | 2 | $ 337,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 339,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 192,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ 2,415,000 | 2 | $ 91,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 131,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 187,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 2 | $ 184,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,381,536,000 | 2 | $ 5,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 1,294,290,000 | 2 | $ 197,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 867,466,000 | 2 | $ 207,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 245,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 2 | $ 189,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 461,038,000 | 2 | $ 641,000 |
| Landmark Community Bank 2 S MAIN STREET PITTSTON, PA 18640 |
* | $ 284,072,000 | 2 | $ 44,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,173,990,000 | 2 | $ 166,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 878,814,000 | 1 | $ 78,000 |
| Meridia Community Federal Credit Union 4500 SOUTHWESTERN BLVD. HAMBURG, NY 14075 |
* | $ 60,123,000 | 1 | $ 15,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 17,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 90,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,356,237,000 | 1 | $ 143,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 318,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 109,492,000 | 1 | $ 71,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 175,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 76,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,333,510,000 | 1 | $ 82,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 116,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 1 | $ 83,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 83,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 780,568,000 | 1 | $ 280,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 144,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 1 | $ 133,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 173,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 264,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 489,956,000 | 1 | $ 368,000 |
| Bank of Akron 46 MAIN STREET AKRON, NY 14001 |
* | $ 273,532,000 | 1 | $ 315,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 59,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 144,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Forethought Life Insurance Co 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ 100,000,000 | 1 | $ 106,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ 10,000,000 | 1 | $ 137,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 8,148,155,000 | 1 | $ 6,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 62,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,160,219,000 | 1 | $ 79,000 |
| Riverside Federal Credit Union 3199 DELAWARE AVENUE KENMORE, NY 14217 |
* | $ 55,603,000 | 1 | $ 30,000 |
| Western Division Federal Credit Union 6750 MAIN ST WILLIAMSVILLE, NY 14221 |
* | $ 134,936,000 | 1 | $ 26,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 131,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 136,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 190,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ 10,000,000 | 1 | $ 85,000 |
The tables below break down 2016 mortgage applications in Cattaraugus 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 Cattaraugus County, NY in 2016
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 | 865 | $88,833,000 | $102,000 | $448,000 | $70,000 | $1,407,000 |
| Refinancing | 495 | $45,789,000 | $92,000 | $528,000 | $66,000 | $852,000 |
| Home Improvement | 477 | $11,605,000 | $24,000 | $318,000 | $54,000 | $407,000 |
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 | 1,493 | $113,632,000 | $76,000 | $528,000 | $69,000 | $1,407,000 |
| Not applicable | 149 | $15,333,000 | $102,000 | $448,000 | $5,000 | $342,000 |
| Not Provided | 112 | $11,328,000 | $101,000 | $417,000 | $85,000 | $578,000 |
| American Indian or Alaskan Native | 31 | $2,225,000 | $71,000 | $278,000 | $74,000 | $275,000 |
| Black or African American | 22 | $1,420,000 | $64,000 | $164,000 | $64,000 | $349,000 |
| Hispanic | 15 | $1,130,000 | $75,000 | $264,000 | $51,000 | $127,000 |
| Asian | 13 | $933,000 | $71,000 | $207,000 | $72,000 | $134,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $226,000 | $113,000 | $148,000 | $69,000 | $97,000 |
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) | 1,351 | $97,430,000 | $72,000 | $528,000 | $73,000 | $1,407,000 |
| FHA-insured (Federal Housing Administration) | 283 | $26,874,000 | $94,000 | $229,000 | $41,000 | $342,000 |
| VA-guaranteed (Veterans Administration) | 123 | $15,588,000 | $126,000 | $400,000 | $57,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $6,335,000 | $79,000 | $163,000 | $26,000 | $69,000 |
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 | 1,066 | $82,998,000 | $77,000 | $528,000 | $73,000 | $1,407,000 |
| Application Denied By Financial Institution | 425 | $29,473,000 | $69,000 | $450,000 | $56,000 | $921,000 |
| Loan Purchased By The Institution | 185 | $18,385,000 | $99,000 | $400,000 | $24,000 | $342,000 |
| Application Withdrawn By Applicant | 84 | $8,326,000 | $99,000 | $280,000 | $81,000 | $725,000 |
| File Closed For Incompleteness | 49 | $4,953,000 | $101,000 | $343,000 | $83,000 | $852,000 |
| Application Approved But Not Accepted | 28 | $2,092,000 | $74,000 | $160,000 | $65,000 | $349,000 |
| 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 | 105 | $4,207,000 | $40,000 | $200,000 | $50,000 | $226,000 |
| Collateral | 71 | $6,040,000 | $85,000 | $240,000 | $65,000 | $168,000 |
| Debt-To-Income Ratio | 63 | $4,383,000 | $69,000 | $346,000 | $49,000 | $190,000 |
| Credit Application Incomplete | 20 | $2,378,000 | $118,000 | $400,000 | $79,000 | $275,000 |
| Other | 19 | $1,632,000 | $85,000 | $189,000 | $56,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $682,000 | $68,000 | $145,000 | $56,000 | $175,000 |
| Unverifiable Information | 8 | $716,000 | $89,000 | $168,000 | $57,000 | $95,000 |
| Employment History | 4 | $253,000 | $63,000 | $135,000 | $62,000 | $125,000 |
| Mortgage Insurance Denied | 2 | $125,000 | $62,000 | $77,000 | $49,000 | $65,000 |
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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