Chenango County, NY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,407 mortgage applications in Chenango County, NY totaling $179.8 million, down 1% from 2012. The average application was for $127,000, and applicants reported an average income of $61,000. 50% of applications resulted in an originated loan and 28% were denied. The most active lender was Nbt Bank NA, with 387 applications, followed by Wells Fargo Bank NA and Community Bank, N.A..
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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 | 1,407 |
| Total Mortgage Loan Application Amount | $179,809,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $58,307,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $586,000 |
* 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 |
|---|---|---|---|---|
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,986,046,000 | 387 | $ 26,826,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 129 | $ 12,610,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,470,683,000 | 79 | $ 4,494,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 77 | $ 6,861,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 55 | $ 3,280,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,070,664,000 | 54 | $ 6,333,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 51 | $ 2,262,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 38 | $ 3,837,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 130,726,000 | 29 | $ 1,379,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 2,846,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 23 | $ 1,527,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 20 | $ 1,888,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 18 | $ 1,714,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 36,871,280,000 | 15 | $ 1,367,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 14 | $ 1,380,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 14 | $ 1,357,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 1,908,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 12 | $ 1,302,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,114,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 9 | $ 865,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 9 | $ 1,228,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 8 | $ 777,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 8 | $ 526,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 388,885,000 | 8 | $ 454,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 955,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 7 | $ 926,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 7 | $ 577,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 7 | $ 1,408,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 7 | $ 886,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 7 | $ 800,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 7 | $ 1,169,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 6 | $ 901,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,160,453,000 | 6 | $ 830,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 681,296,000 | 5 | $ 477,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 671,917,000 | 5 | $ 477,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 4 | $ 391,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 549,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 4 | $ 703,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 4 | $ 350,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 4 | $ 364,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,513,640,000 | 4 | $ 189,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 4 | $ 376,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 4 | $ 440,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 186,789,896,000 | 4 | $ 310,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 350,848,000 | 3 | $ 327,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 1,952,648,000 | 3 | $ 763,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,128,358,000 | 3 | $ 170,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 3 | $ 391,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 3 | $ 108,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 3 | $ 300,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 3 | $ 113,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 300,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 3 | $ 332,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 3 | $ 215,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 270,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 213,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 84,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 184,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 2 | $ 343,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,269,975,000 | 2 | $ 294,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 2 | $ 191,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 2 | $ 247,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 2 | $ 589,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 2 | $ 49,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 208,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 92,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 59,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 130,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 96,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 17,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 123,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 95,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 434,257,000 | 1 | $ 300,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 19,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 133,441,000 | 1 | $ 25,000 |
| Constellation Federal Credit Union 1810 SAMUEL MORSE DR RESTON, VA 20190 |
* | $ 176,849,000 | 1 | $ 21,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 58,307,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 53,055,000 | 1 | $ 115,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 17,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 80,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 151,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 62,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 1 | $ 64,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 80,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 66,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 57,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 315,751,000 | 1 | $ 28,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 136,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 151,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 122,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 33,878,000 | 1 | $ 197,000 |
| Beneficial Bank 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 5,002,692,000 | 1 | $ 30,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 723,745,000 | 1 | $ 150,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 1 | $ 85,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 54,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,081,838,000 | 1 | $ 72,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 20,113,089,000 | 1 | $ 3,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 142,000 |
| M&T Real Estate Trust 701 SENECA STREET-SUITE 330N BUFFALO, NY 14210 |
* | $ 54,391,344,000 | 1 | $ 185,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 137,424,000 | 1 | $ 100,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 1,010,075,000 | 1 | $ 154,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 115,159,000 | 1 | $ 125,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 268,686,000 | 1 | $ 179,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 835,062,000 | 1 | $ 19,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,245,950,000 | 1 | $ 145,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 3,201,216,000 | 1 | $ 17,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 47,738,052,000 | 1 | $ 157,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 72,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 42,000 |
The tables below break down 2013 mortgage applications in Chenango 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 Chenango County, NY in 2013
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 | 577 | $54,308,000 | $94,000 | $459,000 | $63,000 | $586,000 |
| Refinancing | 558 | $114,919,000 | $205,000 | $58,307,000 | $60,000 | $259,000 |
| Home Improvement | 272 | $10,582,000 | $38,000 | $417,000 | $59,000 | $480,000 |
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 | 1,220 | $102,819,000 | $84,000 | $546,000 | $64,000 | $586,000 |
| Not Provided | 79 | $8,181,000 | $103,000 | $368,000 | $61,000 | $277,000 |
| Not applicable | 70 | $64,671,000 | $923,000 | $58,307,000 | $1,000 | $56,000 |
| Hispanic | 17 | $1,629,000 | $95,000 | $277,000 | $61,000 | $228,000 |
| Black or African American | 8 | $859,000 | $107,000 | $350,000 | $64,000 | $101,000 |
| Asian | 7 | $1,090,000 | $155,000 | $335,000 | $83,000 | $160,000 |
| American Indian or Alaskan Native | 5 | $482,000 | $96,000 | $183,000 | $102,000 | $270,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $78,000 | $78,000 | $78,000 | $51,000 | $51,000 |
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) | 1,058 | $84,959,000 | $80,000 | $546,000 | $67,000 | $586,000 |
| FHA-insured (Federal Housing Administration) | 236 | $81,595,000 | $345,000 | $58,307,000 | $40,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 66 | $8,781,000 | $133,000 | $368,000 | $46,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $4,474,000 | $95,000 | $210,000 | $41,000 | $83,000 |
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 | 699 | $61,204,000 | $87,000 | $530,000 | $71,000 | $586,000 |
| Application Denied By Financial Institution | 387 | $29,264,000 | $75,000 | $417,000 | $52,000 | $228,000 |
| Loan Purchased By The Institution | 127 | $70,671,000 | $556,000 | $58,307,000 | $33,000 | $263,000 |
| Application Approved But Not Accepted | 82 | $6,557,000 | $79,000 | $256,000 | $58,000 | $234,000 |
| Application Withdrawn By Applicant | 80 | $8,429,000 | $105,000 | $546,000 | $68,000 | $277,000 |
| File Closed For Incompleteness | 32 | $3,684,000 | $115,000 | $368,000 | $52,000 | $348,000 |
| 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 | 102 | $5,453,000 | $53,000 | $190,000 | $52,000 | $182,000 |
| Collateral | 72 | $7,804,000 | $108,000 | $345,000 | $66,000 | $185,000 |
| Debt-To-Income Ratio | 67 | $4,086,000 | $60,000 | $300,000 | $32,000 | $90,000 |
| Other | 29 | $2,098,000 | $72,000 | $259,000 | $58,000 | $228,000 |
| Credit Application Incomplete | 12 | $1,554,000 | $129,000 | $417,000 | $68,000 | $196,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $686,000 | $98,000 | $144,000 | $50,000 | $100,000 |
| Employment History | 5 | $350,000 | $70,000 | $170,000 | $56,000 | $97,000 |
| Unverifiable Information | 3 | $196,000 | $65,000 | $79,000 | $44,000 | $68,000 |
| Mortgage Insurance Denied | 1 | $48,000 | $48,000 | $48,000 | $27,000 | $27,000 |
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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