Cayuga County, NY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 2,236 mortgage applications in Cayuga County, NY totaling $211.9 million, down 1% from 2014. The average application was for $94,000, and applicants reported an average income of $68,000. 60% of applications resulted in an originated loan and 17% were denied. The most active lender was Americu Credit Union, with 167 applications, followed by Empower Federal Credit Union and Wells Fargo Bank NA.
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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 | 2,236 |
| Total Mortgage Loan Application Amount | $211,883,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $2,947,000 |
* 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 |
|---|---|---|---|---|
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,264,351,000 | 167 | $ 10,885,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,291,549,000 | 136 | $ 9,480,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 131 | $ 14,288,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 150,707,000 | 123 | $ 3,998,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 94 | $ 7,314,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,461,279,000 | 92 | $ 4,538,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 88 | $ 8,150,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 38,494,804,000 | 67 | $ 8,675,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,522,955,000 | 67 | $ 4,183,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 55 | $ 5,983,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 140,752,000 | 53 | $ 4,156,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,682,253,000 | 51 | $ 6,456,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 278,402,000 | 47 | $ 6,386,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 43 | $ 5,038,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 42 | $ 4,274,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 39 | $ 4,190,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 38 | $ 4,084,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 38 | $ 3,663,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 909,050,000 | 33 | $ 4,057,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 806,278,000 | 32 | $ 3,576,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 31 | $ 4,631,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 546,032,000 | 28 | $ 1,893,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 7,726,299,000 | 25 | $ 2,229,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 130,285,000 | 24 | $ 3,826,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 21 | $ 2,041,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 21 | $ 2,677,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 1,572,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 19 | $ 977,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 17 | $ 1,016,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 17 | $ 1,739,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 16 | $ 2,213,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 15 | $ 1,365,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 15 | $ 1,768,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 3,065,109,000 | 15 | $ 1,428,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 560,634,000 | 14 | $ 1,933,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 14 | $ 1,312,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 13 | $ 1,361,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 13 | $ 1,405,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 12 | $ 1,356,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 11 | $ 1,522,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 11 | $ 1,959,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 11 | $ 1,274,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 10 | $ 882,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 10 | $ 1,171,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,160,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,509,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 5,015,805,000 | 9 | $ 586,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 813,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 9 | $ 1,414,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 754,392,000 | 9 | $ 1,534,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 743,666,000 | 8 | $ 672,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,123,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 8 | $ 1,435,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 7 | $ 131,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 7 | $ 126,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 928,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 127,062,000 | 7 | $ 857,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,393,007,000 | 7 | $ 1,095,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 6 | $ 296,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 6 | $ 949,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 5 | $ 324,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 5 | $ 58,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 5 | $ 441,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 6,476,905,000 | 5 | $ 590,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 99,847,000 | 5 | $ 238,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 375,237,000 | 5 | $ 144,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 152,950,000 | 5 | $ 323,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 5 | $ 559,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 4 | $ 506,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 507,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,092,656,000 | 4 | $ 452,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 4 | $ 650,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 4 | $ 228,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 223,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 3 | $ 247,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 372,487,000 | 3 | $ 480,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 257,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 10,016,511,000 | 3 | $ 556,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 123,800,000 | 3 | $ 254,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 320,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 78,789,000 | 3 | $ 727,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 93,949,000 | 3 | $ 51,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 368,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,663,901,000 | 3 | $ 223,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 89,758,000 | 3 | $ 147,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 522,445,000 | 3 | $ 651,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 2 | $ 285,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 2 | $ 51,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 217,251,000 | 2 | $ 110,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 2 | $ 231,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 2 | $ 136,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 103,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 2 | $ 601,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 99,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 1 | $ 165,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 114,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 230,280,000,000 | 1 | $ 239,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 89,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 149,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 242,947,000 | 1 | $ 304,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 186,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 45,000 |
| Priority Funding LLC 292 MAIN STREET, STE G1 NORTHBORO, MA 01532 |
* | $ 1,486,000 | 1 | $ 10,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 168,000 |
| Residential Home Mortgage Corporation 53 FRONTAGE ROAD, SUITE 200 HAMPTON, NJ 08827 |
* | $ 1,119,000 | 1 | $ 280,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 136,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ 51,703,000 | 1 | $ 256,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 37,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 146,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 110,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Educational Systems FCU PO BOX 179 GREENBELT, MD 20768 |
* | $ 743,679,000 | 1 | $ 109,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 149,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,092,417,000 | 1 | $ 250,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 25,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 439,777,000 | 1 | $ 150,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,448,393,000 | 1 | $ 185,000 |
| First Personal Bank 14701 S RAVINIA AVE ORLAND PARK, IL 60462 |
* | $ 164,406,000 | 1 | $ 44,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 117,266,000 | 1 | $ 171,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 82,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 191,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 389,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 415,140,000 | 1 | $ 233,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 1,735,562,000 | 1 | $ 111,000 |
| Oswego County FCU 90 EAST BRIDGE STREET OSWEGO, NY 13126 |
* | $ 60,631,000 | 1 | $ 90,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 7,342,466,000 | 1 | $ 30,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ 80,581,000 | 1 | $ 250,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 2,096,410,000 | 1 | $ 50,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 187,860,000 | 1 | $ 149,000 |
The tables below break down 2015 mortgage applications in Cayuga 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 Cayuga County, NY in 2015
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 | 990 | $114,191,000 | $115,000 | $1,588,000 | $66,000 | $1,945,000 |
| Refinancing | 759 | $81,800,000 | $107,000 | $600,000 | $74,000 | $2,947,000 |
| Home Improvement | 487 | $15,892,000 | $32,000 | $2,600,000 | $65,000 | $621,000 |
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 | 1,841 | $166,474,000 | $90,000 | $969,000 | $73,000 | $2,947,000 |
| Not applicable | 196 | $22,397,000 | $114,000 | $2,600,000 | $13,000 | $260,000 |
| Not Provided | 140 | $17,070,000 | $121,000 | $1,588,000 | $86,000 | $1,945,000 |
| Black or African American | 28 | $2,785,000 | $99,000 | $385,000 | $69,000 | $161,000 |
| Hispanic | 20 | $1,948,000 | $97,000 | $260,000 | $84,000 | $347,000 |
| American Indian or Alaskan Native | 8 | $848,000 | $106,000 | $149,000 | $49,000 | $140,000 |
| Asian | 3 | $361,000 | $120,000 | $172,000 | $43,000 | $85,000 |
| 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) | 1,564 | $141,310,000 | $90,000 | $2,600,000 | $79,000 | $2,947,000 |
| FHA-insured (Federal Housing Administration) | 526 | $52,001,000 | $98,000 | $270,000 | $42,000 | $491,000 |
| VA-guaranteed (Veterans Administration) | 98 | $13,311,000 | $135,000 | $380,000 | $61,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,261,000 | $109,000 | $169,000 | $39,000 | $76,000 |
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 | 1,335 | $125,127,000 | $93,000 | $2,600,000 | $76,000 | $2,947,000 |
| Application Denied By Financial Institution | 385 | $33,400,000 | $86,000 | $1,588,000 | $67,000 | $1,945,000 |
| Loan Purchased By The Institution | 262 | $26,418,000 | $100,000 | $360,000 | $29,000 | $260,000 |
| Application Withdrawn By Applicant | 145 | $15,773,000 | $108,000 | $417,000 | $69,000 | $515,000 |
| Application Approved But Not Accepted | 62 | $6,395,000 | $103,000 | $969,000 | $65,000 | $235,000 |
| File Closed For Incompleteness | 47 | $4,770,000 | $101,000 | $417,000 | $82,000 | $964,000 |
| 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 | 97 | $4,821,000 | $49,000 | $417,000 | $75,000 | $621,000 |
| Debt-To-Income Ratio | 57 | $6,901,000 | $121,000 | $1,588,000 | $87,000 | $1,945,000 |
| Collateral | 57 | $6,417,000 | $112,000 | $413,000 | $73,000 | $404,000 |
| Credit Application Incomplete | 20 | $2,262,000 | $113,000 | $245,000 | $61,000 | $200,000 |
| Other | 19 | $1,199,000 | $63,000 | $167,000 | $56,000 | $110,000 |
| Unverifiable Information | 8 | $698,000 | $87,000 | $183,000 | $58,000 | $110,000 |
| Mortgage Insurance Denied | 5 | $507,000 | $101,000 | $122,000 | $62,000 | $103,000 |
| Employment History | 4 | $107,000 | $26,000 | $57,000 | $32,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $63,000 | $63,000 |
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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