Chautauqua County, NY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 3,011 mortgage applications in Chautauqua County, NY totaling $270.2 million, about the same as 2010. The average application was for $89,000, and applicants reported an average income of $71,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 546 applications, followed by Wells Fargo Bank NA and Northwest 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 3,011
Total Mortgage Loan Application Amount $270,178,000
Average Mortgage Loan Application Amount $89,000
Highest Mortgage Loan Application Amount $713,000
Average Applicant Income $71,000
Highest Applicant Income $2,015,000

Mortgage Company List for Lending in Chautauqua County, NY for 2011

* 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
* $ 5,419,722,000 546 $ 31,598,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 360 $ 36,497,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 8,174,829,000 268 $ 21,917,000
Lake Shore Bank
31 E FOURTH STREET
DUNKIRK, NY 14048
* $ 475,196,000 169 $ 16,131,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 162 $ 13,593,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 155 $ 11,431,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 145 $ 13,143,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 88 $ 7,276,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 195,101,367,000 87 $ 7,029,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 79 $ 8,885,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 64 $ 4,948,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 53 $ 5,832,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 46 $ 5,660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 45 $ 6,171,000
Cattaraugus County Bank
120 MAIN STREET
LITTLE VALLEY, NY 14755
* $ 173,643,000 41 $ 5,581,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 36 $ 4,234,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 31 $ 4,441,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 31 $ 1,718,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 23 $ 898,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 21 $ 2,494,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 21 $ 2,048,000
Greater Woodlawn Federal Credit Union
3811 LAKESHORE RD
BLASDELL, NY 14219
* $ 97,820,000 21 $ 1,131,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 2,207,220,000 21 $ 1,369,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 30,804,513,000 19 $ 3,784,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 14 $ 1,867,000
First National Bank of Pa
166 MAIN ST
GREENVILLE, PA 16125
* $ 8,759,397,000 12 $ 873,000
Evans Bank NA
6460 MAIN STREET
BUFFALO, NY 14221
* $ 660,604,000 12 $ 1,153,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 11 $ 980,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 11 $ 1,353,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 11 $ 973,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,058,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 11 $ 1,237,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 902,312,000 11 $ 354,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 10 $ 783,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 10 $ 1,039,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,245,000
Western Division Federal Credit Union
6750 MAIN ST
WILLIAMSVILLE, NY 14221
* $ 119,179,000 9 $ 358,000
Widget Federal Credit Union
2154 EAST LAKE RD
ERIE, PA 16511
* $ 226,600,000 9 $ 36,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 905,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 7 $ 1,229,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 7 $ 1,046,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 7 $ 394,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 7 $ 926,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 7 $ 529,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 7 $ 1,222,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 6 $ 525,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 6 $ 375,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 6 $ 170,000
Citifinancial Company(De)
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 5 $ 271,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 5 $ 685,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 5 $ 52,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 5 $ 265,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 591,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 393,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 311,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 4 $ 345,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 4 $ 599,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,118,108,000 4 $ 218,000
Meridia Community Federal Credit Union
4500 SOUTHWESTERN BLVD.
HAMBURG, NY 14075
* $ 41,505,000 4 $ 309,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 4 $ 517,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 3 $ 364,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 1,393,159,000 3 $ 497,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 3 $ 233,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 3 $ 523,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 3 $ 441,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 282,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 3 $ 184,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 3 $ 662,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 31,465,215,000 3 $ 1,136,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 3 $ 591,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 2 $ 653,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 123,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 70,506,963,000 2 $ 55,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 245,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 14,449,324,000 2 $ 436,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 2 $ 262,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 270,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 208,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 295,000
Alliance Bank NA
120 MADISON STREET
SYRACUSE, NY 13202
* $ 1,449,065,000 2 $ 392,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,327,626,000 2 $ 512,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 2 $ 429,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 2 $ 213,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 554,688,000 2 $ 200,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,113,555,000 2 $ 630,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 152,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 2 $ 201,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 2 $ 449,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 2 $ 138,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 925,476,000 2 $ 70,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 121,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 2 $ 580,000
Mill City Credit Union
9999 WAYZATA BOULEVARD
MINNETONKA, MN 55305
* $ 273,029,000 2 $ 175,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 3,932,967,000 1 $ 5,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,192,808,000 1 $ 25,000
Cornerstone Community FCU
6485 S. TRANSIT ROAD
LOCKPORT, NY 14094
* $ 291,611,000 1 $ 120,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,514,287,000 1 $ 120,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 832,744,000 1 $ 200,000
Buffalo Metropolitan Federal Credit Union
62 S ELMWOOD AVE
BUFFALO, NY 14202
* $ 71,541,000 1 $ 92,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,276,258,000 1 $ 18,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 3,645,703,000 1 $ 30,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 1 $ 37,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,444,690,000 1 $ 119,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 624,428,000 1 $ 59,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 1,011,752,000 1 $ 73,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 125,275,000 1 $ 80,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 70,000
The Bank of Castile
90 MAIN ST
BATAVIA, NY 14020
* $ 882,885,000 1 $ 20,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,311,651,000 1 $ 56,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 1 $ 63,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 1 $ 307,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,709,977,000 1 $ 320,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 144,000
Bank of Holland
12 SOUTH MAIN ST.
HOLLAND, NY 14080
* $ 67,412,000 1 $ 243,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,166,000 1 $ 8,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,335,558,000 1 $ 80,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 540,392,000 1 $ 300,000
Union Federal Savings Bank
1565 MINERAL SPRING AVENUE
NORTH PROVIDENCE, RI 02904
* $ 71,443,000 1 $ 50,000
Park View Savings Bank
30000 AURORA ROAD
SOLON, OH 44139
* $ 840,846,000 1 $ 103,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 83,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 196,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 1 $ 161,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ 54,391,344,000 1 $ 116,000
Isb Mortgage Company, LLC
249 MILLBURN AVE
MILLBURN, NJ 07041
* $ 5,601,500,000 1 $ 278,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,302,543,000 1 $ 35,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 14,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 1 $ 71,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 1 $ 173,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 57,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 23,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 651,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 1 $ 189,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ 16,241,000 1 $ 106,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 125,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 202,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 73,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 1 $ 192,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 1 $ 155,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 1 $ 46,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 1 $ 580,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 78,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 76,586,967,000 1 $ 126,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 1 $ 7,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 50,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 32,561,811,000 1 $ 4,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 300,000

The tables below break down 2011 mortgage applications in Chautauqua 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 Chautauqua County, NY in 2011

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
Refinancing 1,389 $145,591,000 $104,000 $700,000 $73,000 $2,015,000
Home Purchase 1,130 $109,660,000 $97,000 $713,000 $77,000 $1,989,000
Home Improvement 492 $14,927,000 $30,000 $417,000 $55,000 $464,000

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 2,543 $226,420,000 $89,000 $713,000 $73,000 $1,818,000
Not Provided 201 $21,334,000 $106,000 $580,000 $106,000 $2,015,000
Not applicable 165 $15,395,000 $93,000 $580,000 $13,000 $841,000
Hispanic 61 $3,573,000 $58,000 $244,000 $44,000 $279,000
Black or African American 22 $1,622,000 $73,000 $271,000 $59,000 $225,000
Asian 10 $1,212,000 $121,000 $216,000 $119,000 $361,000
American Indian or Alaskan Native 6 $283,000 $47,000 $95,000 $55,000 $116,000
Native Hawaiian or Other Pacific Islander 3 $339,000 $113,000 $155,000 $49,000 $72,000

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) 2,116 $188,627,000 $89,000 $713,000 $83,000 $2,015,000
FHA-insured (Federal Housing Administration) 718 $62,622,000 $87,000 $391,000 $43,000 $225,000
VA-guaranteed (Veterans Administration) 126 $14,165,000 $112,000 $409,000 $53,000 $234,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $4,764,000 $93,000 $206,000 $39,000 $82,000

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 1,637 $142,376,000 $86,000 $713,000 $82,000 $2,015,000
Application Denied By Financial Institution 678 $57,026,000 $84,000 $563,000 $56,000 $360,000
Loan Purchased By The Institution 251 $25,361,000 $101,000 $380,000 $36,000 $1,477,000
Application Withdrawn By Applicant 248 $25,019,000 $100,000 $415,000 $67,000 $389,000
Application Approved But Not Accepted 131 $13,468,000 $102,000 $651,000 $96,000 $1,989,000
File Closed For Incompleteness 66 $6,928,000 $104,000 $322,000 $75,000 $250,000
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
Collateral 175 $18,753,000 $107,000 $507,000 $73,000 $346,000
Credit History 171 $10,036,000 $58,000 $409,000 $51,000 $360,000
Debt-To-Income Ratio 111 $11,151,000 $100,000 $563,000 $54,000 $269,000
Other 34 $2,652,000 $78,000 $405,000 $63,000 $225,000
Credit Application Incomplete 22 $2,778,000 $126,000 $350,000 $85,000 $314,000
Unverifiable Information 13 $1,047,000 $80,000 $330,000 $43,000 $99,000
Insufficient Cash (Downpayment, Closing Cost) 9 $477,000 $53,000 $86,000 $40,000 $59,000
Employment History 5 $246,000 $49,000 $82,000 $40,000 $75,000
Mortgage Insurance Denied 1 $66,000 $66,000 $66,000 $92,000 $92,000

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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