Chautauqua County, NY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 3,004 mortgage applications in Chautauqua County, NY totaling $327.3 million, up 4% from 2018. The average application was for $108,000, and applicants reported an average income of $87,000. 62% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Bank, N.A., with 521 applications, followed by M&T Bank 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 3,004
Total Mortgage Loan Application Amount $327,340,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $1,825,000
Average Applicant Income $87,000
Highest Applicant Income $2,198,000

Mortgage Company List for Lending in Chautauqua County, NY for 2019

* 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
* $ 10,412,127,000 521 $ 43,145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 408 $ 42,340,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 9,701,569,000 264 $ 26,870,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 189 $ 20,085,000
Lake Shore Bank
31 E FOURTH STREET
DUNKIRK, NY 14048
* $ 545,692,000 146 $ 17,160,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 94 $ 10,790,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 61 $ 7,355,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 60 $ 6,070,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 53 $ 5,885,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 49 $ 6,205,000
Cattaraugus County Bank
120 MAIN STREET
LITTLE VALLEY, NY 14755
* $ 246,643,000 46 $ 6,770,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 44 $ 3,890,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 40 $ 1,820,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 36 $ 5,140,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 33 $ 4,595,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 33 $ 5,665,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 31 $ 3,055,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 30 $ 4,100,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 28 $ 3,080,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 26 $ 3,360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 25 $ 4,185,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 33,026,384,000 24 $ 2,920,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 23 $ 3,235,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 2,750,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 22 $ 2,350,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 4,272,439,000 21 $ 2,325,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 2,300,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 18 $ 1,290,000
Western Division Federal Credit Union
6750 MAIN ST
WILLIAMSVILLE, NY 14221
* $ 139,188,000 18 $ 1,760,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 16 $ 1,920,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,468,697,000 15 $ 1,415,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 1,635,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 3,203,027,000 14 $ 2,880,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 14 $ 1,530,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 14 $ 1,920,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 14 $ 1,450,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 14 $ 790,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 13 $ 1,085,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 800,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,160,000
Greater Woodlawn Federal Credit Union
3811 LAKESHORE RD
BLASDELL, NY 14219
* $ 123,663,000 10 $ 970,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 9 $ 905,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 510,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 960,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 8 $ 600,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 7 $ 305,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 7 $ 785,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 7 $ 2,285,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 6 $ 360,000
Fairport Savings Bank
45 S. MAIN STREET
FAIRPORT, NY 14450
* $ 326,569,000 6 $ 830,000
Alden State Bank
13216 BROADWAY
ALDEN, NY 14004
* $ 331,905,000 5 $ 345,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 525,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 615,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 5 $ 575,000
Corry Federal Credit Union
728 WORTH STREET
CORRY, PA 16438
* $ 52,150,000 5 $ 325,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,015,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 77,243,612,000 4 $ 320,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ -1,000 4 $ 620,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,081,698,000 4 $ 480,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 470,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 8,400,747,000 3 $ 115,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 405,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 3 $ 755,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 395,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 365,000
Erie Federal Credit Union
3503 PEACH STREET
ERIE, PA 16508
* $ 492,469,000 3 $ 405,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 135,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 3 $ 305,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 3 $ 335,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 3 $ 385,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 3 $ 165,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 3 $ 635,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 3 $ 245,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 3 $ 455,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 2 $ 190,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 420,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 169,812,442,000 2 $ 200,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 889,926,000 2 $ 150,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 2 $ 100,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 760,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 2 $ 170,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 2 $ 130,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 2 $ 80,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 2 $ 290,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 2 $ 180,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,255,174,000 2 $ 90,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 2 $ 170,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 25,140,256,000 1 $ 565,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 75,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 578,076,000 1 $ 105,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 315,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,408,923,000 1 $ 125,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ -1,000 1 $ 75,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 1 $ 125,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 185,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 4,951,637,000 1 $ 105,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,530,262,000 1 $ 55,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 6,204,536,000 1 $ 45,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 85,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 55,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 485,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 35,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 318,448,000 1 $ 95,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 155,000
Steuben Trust Company
ONE STEUBEN SQUARE
HORNELL, NY 14843
* $ 551,277,000 1 $ 605,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 1 $ 5,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 2,111,175,000 1 $ 175,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 65,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 282,714,000 1 $ 275,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 1 $ 205,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 75,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 115,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 483,741,000 1 $ 235,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ -1,000 1 $ 445,000
Bank of Holland
12 SOUTH MAIN ST.
HOLLAND, NY 14080
* $ 135,325,000 1 $ 95,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 235,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 175,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ 217,997,000 1 $ 415,000
Bank of Akron
46 MAIN STREET
AKRON, NY 14001
* $ 349,552,000 1 $ 115,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 1 $ 65,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 225,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 205,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,848,430,000 1 $ 185,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 55,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 175,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 135,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 175,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,230,165,000 1 $ 65,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 325,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 125,000
Severn Savings Bank, FSB dba Severn Bank
200 WESTGATE CIRCLE SUITE 200
ANNAPOLIS, MD 21401
* $ 970,655,000 1 $ 85,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 1 $ 185,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,751,980,000 1 $ 1,825,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,599,709,000 1 $ 175,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 16,110,188,000 1 $ 365,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 55,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 245,000
Evans Bank NA
6460 MAIN STREET
BUFFALO, NY 14221
* $ 1,372,904,000 1 $ 55,000
The Northern Trust Co
50 S. LA SALLE
CHICAGO, IL 60603
* $ 90,988,326,000 1 $ 255,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 245,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,606,623,000 1 $ 85,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 99,205,204,000 1 $ 385,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 1,435,822,000 1 $ 135,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 95,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 205,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 115,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 1,062,789,000 1 $ 75,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 35,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 35,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 901,881,000 1 $ 105,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 294,391,000 1 $ 115,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 35,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ -1,000 1 $ 105,000

The tables below break down 2019 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 2019

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 1,554 $195,060,000 $125,000 $1,765,000 $91,000 $1,601,000
Refinancing 504 $57,520,000 $114,000 $1,825,000 $81,000 $806,000
Home Improvement 333 $17,595,000 $52,000 $545,000 $79,000 $1,026,000
Cash-out Refinancing 312 $36,410,000 $116,000 $455,000 $83,000 $426,000
Other Purpose 241 $16,725,000 $69,000 $455,000 $90,000 $2,198,000
Not Applicable 60 $4,030,000 $67,000 $175,000 $37,000 $57,000

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 2,482 $267,360,000 $107,000 $1,765,000 $88,000 $2,198,000
Not Provided 206 $25,390,000 $123,000 $1,055,000 $94,000 $1,601,000
Not applicable 172 $23,120,000 $134,000 $1,825,000 $103,000 $271,000
Hispanic 89 $6,365,000 $71,000 $315,000 $48,000 $137,000
Black or African American 28 $2,100,000 $75,000 $265,000 $66,000 $330,000
American Indian or Alaskan Native 11 $955,000 $86,000 $195,000 $40,000 $81,000
Asian 11 $1,235,000 $112,000 $205,000 $175,000 $500,000
Native Hawaiian or Other Pacific Islander 2 $460,000 $230,000 $235,000 $100,000 $101,000

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) 2,339 $255,755,000 $109,000 $1,825,000 $94,000 $2,198,000
FHA-insured (Federal Housing Administration) 446 $41,440,000 $92,000 $325,000 $53,000 $176,000
VA-guaranteed (Veterans Administration) 183 $26,695,000 $145,000 $475,000 $77,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $3,450,000 $95,000 $195,000 $47,000 $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 1,863 $214,025,000 $114,000 $1,825,000 $92,000 $2,198,000
Application Denied By Financial Institution 559 $45,725,000 $81,000 $505,000 $65,000 $1,026,000
Application Withdrawn By Applicant 259 $34,225,000 $132,000 $945,000 $96,000 $660,000
Loan Purchased By The Institution 179 $19,305,000 $107,000 $635,000 $108,000 $1,242,000
File Closed For Incompleteness 97 $9,405,000 $96,000 $445,000 $89,000 $342,000
Application Approved But Not Accepted 47 $4,655,000 $99,000 $435,000 $90,000 $249,000
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 2,404 $275,220,000 $114,000 $1,825,000 $92,000 $2,198,000
Debt-To-Income Ratio 188 $20,070,000 $106,000 $1,765,000 $67,000 $575,000
Credit History 187 $11,335,000 $60,000 $295,000 $60,000 $1,026,000
Collateral 119 $10,995,000 $92,000 $455,000 $80,000 $552,000
Other 46 $4,270,000 $92,000 $455,000 $63,000 $325,000
Credit Application Incomplete 27 $2,715,000 $100,000 $325,000 $90,000 $234,000
Unverifiable Information 19 $1,475,000 $77,000 $225,000 $70,000 $175,000
Employment History 7 $705,000 $100,000 $155,000 $40,000 $55,000
Insufficient Cash (Downpayment, Closing Cost) 7 $555,000 $79,000 $165,000 $75,000 $236,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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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