Chenango County, NY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,375 mortgage applications in Chenango County, NY totaling $180.7 million, down 18% from 2021. The average application was for $131,000, and applicants reported an average income of $83,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Nbt Bank NA, with 168 applications, followed by Ghs Federal Credit Union and Visions Federal Credit Union.
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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 | 1,375 |
| Total Mortgage Loan Application Amount | $180,675,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $10,935,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,426,000 |
* 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 |
* | $ 11,919,970,000 | 168 | $ 17,210,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 224,015,000 | 112 | $ 7,970,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,621,672,000 | 98 | $ 9,030,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 97 | $ 12,375,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 61 | $ 5,045,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 46 | $ 5,880,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 44 | $ 6,410,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 44 | $ 6,240,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 44 | $ 5,020,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 26 | $ 3,750,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 26 | $ 4,740,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 24 | $ 2,740,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 19 | $ 2,835,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 18 | $ 2,850,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,565,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 16 | $ 1,350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 2,680,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 14 | $ 2,370,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 12 | $ 920,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 11 | $ 2,115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 11 | $ 1,495,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 11 | $ 1,035,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 10 | $ 2,000,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,720,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 466,805,000 | 9 | $ 2,045,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,585,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 1,435,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 2,069,453,000 | 9 | $ 935,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 8 | $ 1,170,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 8 | $ 770,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 8 | $ 730,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 8 | $ 1,010,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 7 | $ 1,035,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 7 | $ 905,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 795,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 548,737,000 | 7 | $ 995,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 805,603,000 | 7 | $ 765,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 845,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 6 | $ 1,030,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 5 | $ 555,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 835,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 5 | $ 515,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 415,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,541,059,000 | 5 | $ 785,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 490,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 540,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 4 | $ 640,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 4 | $ 240,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,413,407,000 | 4 | $ 670,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 390,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 3 | $ 475,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 632,395,000 | 3 | $ 545,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 3 | $ 385,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 415,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 3 | $ 485,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 455,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 3 | $ 565,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ -1,000 | 3 | $ 385,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 3 | $ 385,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 3,961,334,000 | 3 | $ 225,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 427,771,000 | 3 | $ 155,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,453,893,000 | 3 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 325,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 2 | $ 450,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 536,704,000 | 2 | $ 150,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 100,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 2 | $ 350,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 380,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 2 | $ 410,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 2 | $ 120,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 3,366,863,000 | 2 | $ 230,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,466,636,000 | 2 | $ 420,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 280,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 2 | $ 270,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 340,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 370,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 280,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 340,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 60,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 2 | $ 200,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,377,119,000 | 2 | $ 120,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 187,956,756,000 | 2 | $ 220,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 205,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,606,175,000 | 1 | $ 225,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,281,203,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 235,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 105,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ -1,000 | 1 | $ 365,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 15,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,582,859,000 | 1 | $ 75,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 65,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 1 | $ 115,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,008,821,000 | 1 | $ 145,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 65,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 979,606,000 | 1 | $ 185,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 145,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 161,574,000 | 1 | $ 75,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 95,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ -1,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 245,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 5,191,780,000 | 1 | $ 225,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 175,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 1 | $ 255,000 |
| Mid Penn Bank 349 UNION STREET MILLERSBURG, PA 17061 |
* | $ 4,687,600,000 | 1 | $ 185,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 165,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 155,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 10,935,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 295,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 165,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 434,590,000 | 1 | $ 55,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 1 | $ 65,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 145,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 75,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 205,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 934,604,000 | 1 | $ 2,235,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,626,303,000 | 1 | $ 55,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 95,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 247,699,000 | 1 | $ 175,000 |
| Unity Bank 64 OLD HIGHWAY 22 CLINTON, NJ 08809 |
* | $ 2,022,383,000 | 1 | $ 175,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2022 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 2022
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 | 733 | $108,035,000 | $147,000 | $2,235,000 | $80,000 | $1,036,000 |
| Cash-out Refinancing | 168 | $23,780,000 | $141,000 | $365,000 | $79,000 | $264,000 |
| Other Purpose | 168 | $12,580,000 | $74,000 | $355,000 | $79,000 | $308,000 |
| Home Improvement | 153 | $10,285,000 | $67,000 | $255,000 | $100,000 | $1,426,000 |
| Refinancing | 142 | $25,440,000 | $179,000 | $10,935,000 | $85,000 | $446,000 |
| Not Applicable | 11 | $555,000 | $50,000 | $105,000 | $37,000 | $37,000 |
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 | 1,040 | $122,560,000 | $117,000 | $625,000 | $79,000 | $649,000 |
| Not Provided | 176 | $23,970,000 | $136,000 | $375,000 | $103,000 | $1,426,000 |
| Not applicable | 92 | $25,160,000 | $273,000 | $10,935,000 | $82,000 | $200,000 |
| Hispanic | 39 | $5,025,000 | $128,000 | $305,000 | $84,000 | $314,000 |
| Black or African American | 13 | $1,485,000 | $114,000 | $295,000 | $52,000 | $125,000 |
| Asian | 7 | $1,405,000 | $200,000 | $325,000 | $156,000 | $436,000 |
| American Indian or Alaskan Native | 5 | $645,000 | $129,000 | $345,000 | $74,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $65,000 | $65,000 |
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) | 1,061 | $124,345,000 | $117,000 | $2,235,000 | $88,000 | $1,426,000 |
| FHA-insured (Federal Housing Administration) | 219 | $40,175,000 | $183,000 | $10,935,000 | $63,000 | $309,000 |
| VA-guaranteed (Veterans Administration) | 83 | $14,645,000 | $176,000 | $355,000 | $70,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,510,000 | $125,000 | $175,000 | $61,000 | $79,000 |
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 | 728 | $105,590,000 | $145,000 | $10,935,000 | $88,000 | $446,000 |
| Application Denied By Financial Institution | 281 | $30,545,000 | $108,000 | $365,000 | $68,000 | $362,000 |
| Application Withdrawn By Applicant | 159 | $18,205,000 | $114,000 | $365,000 | $82,000 | $1,036,000 |
| Loan Purchased By The Institution | 113 | $16,545,000 | $146,000 | $325,000 | $87,000 | $200,000 |
| File Closed For Incompleteness | 53 | $5,135,000 | $96,000 | $345,000 | $110,000 | $1,426,000 |
| Application Approved But Not Accepted | 38 | $4,290,000 | $112,000 | $215,000 | $62,000 | $123,000 |
| Preapproval Approved but not Accepted | 2 | $160,000 | $80,000 | $95,000 | $36,000 | $53,000 |
| Preapproval Denied by Financial Institution | 1 | $205,000 | $205,000 | $205,000 | $67,000 | $67,000 |
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 | 1,077 | $134,955,000 | $125,000 | $625,000 | $87,000 | $1,426,000 |
| Debt-To-Income Ratio | 96 | $24,960,000 | $260,000 | $10,935,000 | $52,000 | $289,000 |
| Credit History | 73 | $6,615,000 | $90,000 | $265,000 | $71,000 | $312,000 |
| Collateral | 52 | $5,910,000 | $113,000 | $345,000 | $82,000 | $362,000 |
| Other | 39 | $3,175,000 | $81,000 | $215,000 | $69,000 | $217,000 |
| Credit Application Incomplete | 18 | $1,950,000 | $108,000 | $195,000 | $78,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,655,000 | $183,000 | $275,000 | $96,000 | $188,000 |
| Unverifiable Information | 6 | $780,000 | $130,000 | $245,000 | $91,000 | $147,000 |
| Employment History | 5 | $675,000 | $135,000 | $305,000 | $84,000 | $155,000 |
| 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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