Cattaraugus County, NY Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,592 mortgage applications in Cattaraugus County, NY totaling $150.3 million, down 7% from 2017. The average application was for $94,000, and applicants reported an average income of $86,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Bank, N.A., with 286 applications, followed by M&T Bank and Five Star 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 | 1,592 |
| Total Mortgage Loan Application Amount | $150,300,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $5,805,000 |
* 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 |
* | $ 10,521,576,000 | 286 | $ 20,630,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 145 | $ 12,765,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,069,086,000 | 70 | $ 5,980,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 63 | $ 6,425,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 9,431,473,000 | 57 | $ 4,585,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 55 | $ 4,095,000 |
| Cattaraugus County Bank 120 MAIN STREET LITTLE VALLEY, NY 14755 |
* | $ 232,863,000 | 53 | $ 4,295,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 46 | $ 4,380,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 37 | $ 2,805,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 37 | $ 3,315,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 31 | $ 3,515,000 |
| Bank of Holland 12 SOUTH MAIN ST. HOLLAND, NY 14080 |
* | $ 124,471,000 | 30 | $ 2,630,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 30 | $ 3,640,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 29 | $ 2,895,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 27 | $ 3,405,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 25 | $ 2,555,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 21 | $ 1,495,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 20 | $ 2,430,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 17 | $ 2,475,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 14 | $ 2,130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 1,980,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 14 | $ 1,220,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 12 | $ 1,010,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 12 | $ 1,300,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 11 | $ 1,275,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 11 | $ 785,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 9 | $ 1,425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,095,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 9 | $ 655,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 9 | $ 455,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 9 | $ 745,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 8 | $ 670,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 8 | $ 470,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,015,000 |
| Alden State Bank 13216 BROADWAY ALDEN, NY 14004 |
* | $ 326,959,000 | 7 | $ 925,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 7 | $ 845,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 7 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 565,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 6 | $ 360,000 |
| Lake Shore Bank 31 E FOURTH STREET DUNKIRK, NY 14048 |
* | $ 518,353,000 | 6 | $ 790,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 6 | $ 340,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 415,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,454,524,000 | 5 | $ 1,325,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 5 | $ 685,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 5 | $ 295,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 1,284,932,000 | 5 | $ 1,585,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 5 | $ 745,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 395,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 5 | $ 495,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,748,891,000 | 5 | $ 1,055,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,242,801,000 | 4 | $ 270,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 312,913,000 | 4 | $ 590,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 500,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 4 | $ 820,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 430,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 445,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 145,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 3 | $ 275,000 |
| Moog Employees Federal Credit Union 7181 SENECA STREET EAST AURORA, NY 14052 |
* | $ 171,598,000 | 3 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 325,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ 79,168,000 | 3 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 285,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 3 | $ 195,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 863,654,000 | 3 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 275,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 290,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 2 | $ 170,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 526,835,000 | 2 | $ 170,000 |
| Meridia Community Federal Credit Union 4500 SOUTHWESTERN BLVD. HAMBURG, NY 14075 |
* | $ 69,964,000 | 2 | $ 220,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 2 | $ 160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 220,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,343,220,000 | 2 | $ 200,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 1,416,347,000 | 2 | $ 110,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,643,264,000 | 2 | $ 190,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,555,097,000 | 2 | $ 210,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 320,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 110,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 288,294,007,000 | 2 | $ 290,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,510,197,000 | 2 | $ 240,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 2 | $ 110,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 2 | $ 290,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 300,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,376,902,000 | 2 | $ 50,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 60,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,450,413,000 | 2 | $ 120,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 140,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 31,211,939,000 | 2 | $ 280,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 2 | $ 110,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 30,280,467,000 | 1 | $ 55,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 195,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 47,934,212,000 | 1 | $ 805,000 |
| Bank of Akron 46 MAIN STREET AKRON, NY 14001 |
* | $ 321,286,000 | 1 | $ 255,000 |
| Ffc Mortgage Corp. 155 CORPORATE WOODS SUITE 320 ROCHESTER, NY 14623 |
* | $ -1,000 | 1 | $ 65,000 |
| Niagara's Choice FCU 3619 PACKARD ROAD NIAGARA FALLS, NY 14303 |
* | $ 177,513,000 | 1 | $ 95,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 125,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 65,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 55,000 |
| Greater Woodlawn Federal Credit Union 3811 LAKESHORE RD BLASDELL, NY 14219 |
* | $ 124,022,000 | 1 | $ 175,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,784,965,000 | 1 | $ 75,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,662,017,000 | 1 | $ 175,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 115,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 1 | $ 205,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,031,930,000 | 1 | $ 55,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 7,947,930,000 | 1 | $ 15,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ 1,683,959,000 | 1 | $ 15,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 105,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 5,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 65,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,060,824,000 | 1 | $ 15,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 53,495,452,000 | 1 | $ 155,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 105,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 75,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 275,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ 1,143,341,000 | 1 | $ 155,000 |
| Western Division Federal Credit Union 6750 MAIN ST WILLIAMSVILLE, NY 14221 |
* | $ 140,929,000 | 1 | $ 55,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 175,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 85,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2018 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 2018
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 | 825 | $87,515,000 | $106,000 | $585,000 | $81,000 | $683,000 |
| Refinancing | 265 | $23,835,000 | $89,000 | $635,000 | $78,000 | $1,411,000 |
| Cash-out Refinancing | 182 | $19,460,000 | $106,000 | $955,000 | $71,000 | $347,000 |
| Home Improvement | 156 | $9,390,000 | $60,000 | $805,000 | $119,000 | $5,805,000 |
| Other Purpose | 124 | $7,480,000 | $60,000 | $325,000 | $117,000 | $2,275,000 |
| Not Applicable | 40 | $2,620,000 | $65,000 | $155,000 | $72,000 | $95,000 |
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 | 1,288 | $119,810,000 | $93,000 | $805,000 | $87,000 | $5,805,000 |
| Not applicable | 140 | $13,740,000 | $98,000 | $955,000 | $60,000 | $128,000 |
| Not Provided | 109 | $11,645,000 | $106,000 | $395,000 | $93,000 | $984,000 |
| American Indian or Alaskan Native | 29 | $2,495,000 | $86,000 | $205,000 | $52,000 | $180,000 |
| Black or African American | 11 | $1,095,000 | $99,000 | $165,000 | $48,000 | $74,000 |
| Hispanic | 9 | $785,000 | $87,000 | $215,000 | $83,000 | $315,000 |
| Asian | 4 | $470,000 | $117,000 | $165,000 | $137,000 | $326,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,125 | $104,605,000 | $92,000 | $955,000 | $97,000 | $5,805,000 |
| FHA-insured (Federal Housing Administration) | 263 | $24,715,000 | $93,000 | $635,000 | $53,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 114 | $14,140,000 | $124,000 | $375,000 | $63,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 90 | $6,840,000 | $76,000 | $165,000 | $41,000 | $85,000 |
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 | 918 | $90,840,000 | $98,000 | $955,000 | $94,000 | $5,805,000 |
| Application Denied By Financial Institution | 301 | $23,915,000 | $79,000 | $375,000 | $69,000 | $984,000 |
| Loan Purchased By The Institution | 174 | $16,720,000 | $96,000 | $305,000 | $72,000 | $235,000 |
| Application Withdrawn By Applicant | 115 | $11,055,000 | $96,000 | $345,000 | $89,000 | $1,000,000 |
| File Closed For Incompleteness | 43 | $4,235,000 | $98,000 | $365,000 | $69,000 | $251,000 |
| Application Approved But Not Accepted | 41 | $3,535,000 | $86,000 | $205,000 | $70,000 | $293,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,241 | $122,205,000 | $98,000 | $955,000 | $90,000 | $5,805,000 |
| Debt-To-Income Ratio | 130 | $10,640,000 | $81,000 | $415,000 | $67,000 | $347,000 |
| Credit History | 95 | $6,005,000 | $63,000 | $185,000 | $63,000 | $400,000 |
| Collateral | 76 | $6,610,000 | $86,000 | $365,000 | $98,000 | $984,000 |
| Credit Application Incomplete | 16 | $1,550,000 | $96,000 | $235,000 | $53,000 | $200,000 |
| Other | 16 | $1,380,000 | $86,000 | $225,000 | $67,000 | $124,000 |
| Unverifiable Information | 7 | $775,000 | $110,000 | $245,000 | $116,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $660,000 | $110,000 | $375,000 | $46,000 | $74,000 |
| Employment History | 3 | $345,000 | $115,000 | $145,000 | $37,000 | $39,000 |
| Mortgage Insurance Denied | 2 | $130,000 | $65,000 | $75,000 | $38,000 | $43,000 |
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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