Delaware County, NY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 896 mortgage applications in Delaware County, NY totaling $99.1 million, down 29% from 2013. The average application was for $110,000, and applicants reported an average income of $82,000. 44% of applications resulted in an originated loan and 31% were denied. The most active lender was Nbt Bank NA, with 160 applications, followed by Community Bank, N.A. 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 | 896 |
| Total Mortgage Loan Application Amount | $99,105,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,263,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $927,000 |
* 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 |
* | $ 7,581,736,000 | 160 | $ 12,858,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,068,834,000 | 96 | $ 4,656,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 79 | $ 10,119,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 31 | $ 4,115,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 720,631,000 | 26 | $ 4,365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 23 | $ 2,674,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 20 | $ 3,772,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 16 | $ 1,722,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 2,312,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 14 | $ 844,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 13 | $ 1,401,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 13 | $ 1,863,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 13 | $ 1,189,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 1,689,512,000 | 13 | $ 1,146,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,207,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 10 | $ 814,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,625,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 974,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,256,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 9 | $ 514,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 9 | $ 944,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 8 | $ 1,225,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 217,626,166,000 | 7 | $ 857,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 6 | $ 704,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 803,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 693,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 6 | $ 762,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 710,064,000 | 5 | $ 288,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,842,485,000 | 5 | $ 751,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 5 | $ 683,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 5 | $ 734,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 5 | $ 760,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 675,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 4 | $ 361,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 307,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 37,576,781,000 | 4 | $ 363,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 179,849,000 | 4 | $ 704,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 4 | $ 413,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 269,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 3 | $ 217,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 3 | $ 461,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 3 | $ 314,000 |
| Rhinebeck Bank 2 JEFFERSON PLAZA POUGHKEEPSIE, NY 12601 |
* | $ 612,609,000 | 3 | $ 389,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,264,382,000 | 3 | $ 561,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 299,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 3 | $ 1,032,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,226,615,000 | 3 | $ 270,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,524,000 | 2 | $ 114,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 130,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 3,970,070,000 | 2 | $ 191,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 4,850,867,000 | 2 | $ 466,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 2 | $ 103,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 8,755,205,000 | 2 | $ 96,000 |
| Mcs Mortgage Bankers, Inc. 20 OAK STREET PATCHOGUE, NY 11772 |
* | $ 4,785,307,000 | 2 | $ 218,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 426,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 391,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 525,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 370,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 427,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 2 | $ 398,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 2 | $ 197,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 2 | $ 253,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 5,444,999,000 | 2 | $ 533,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 50,000 |
| The Bank of Greene County 341 MAIN STREET CATSKILL, NY 12414 |
* | $ 652,801,000 | 2 | $ 344,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 2 | $ 327,000 |
| Island Federal Credit Union 120 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 948,038,000 | 2 | $ 160,000 |
| The Honesdale National Bank 38 NORTH FRANKIN STREET WILKES BARRE, PA 18701 |
* | $ 582,235,000 | 2 | $ 92,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 401,329,000 | 2 | $ 112,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 219,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 241,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 342,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 271,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 125,000 |
| De Capital Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,779,163,000 | 1 | $ 152,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 258,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 221,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 106,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 1 | $ 60,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 102,000 |
| Suffolk County National Bank 4 WEST SECOND STREET RIVERHEAD, NY 11901 |
* | $ 1,699,146,000 | 1 | $ 90,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ 574,021,000 | 1 | $ 27,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,031,459,000 | 1 | $ 25,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Rushmore Loan Management Servi 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ 117,300,000 | 1 | $ 143,000 |
| Greenway Mortgage Funding Corp. 107 TINDALL ROAD MIDDLETOWN, NJ 07748 |
* | $ 7,907,000 | 1 | $ 100,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,645,664,000 | 1 | $ 62,000 |
| Actors Federal Credit Union 165 WEST 46TH STREET NEW YORK, NY 10036 |
* | $ 186,102,000 | 1 | $ 50,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 769,221,000 | 1 | $ 180,000 |
| Mortgage Master 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 144,000 |
| William Raveis Mortgage, LLC 7 TRAP FALLS ROAD SHELTON, CT 06484 |
* | $ 10,000,000 | 1 | $ 258,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 203,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 437,738,000 | 1 | $ 121,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 164,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 68,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 178,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 4,522,056,000 | 1 | $ 65,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 44,000 |
| Sterling National Bank 400 RELLA BLVD. MONTEBELLO, NY 10901 |
* | $ 6,628,000,000 | 1 | $ 225,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 112,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 54,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 111,000 |
| Eastern Bank 195 MARKET ST LYNN, MA 01901 |
* | $ 8,661,730,000 | 1 | $ 221,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 800,870,000 | 1 | $ 160,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 375,000 |
| Gfi Mortgage Bankers, Inc. 140 BROADWAY, 41ST FLR NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 195,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Priority Funding LLC 292 MAIN STREET, STE G1 NORTHBORO, MA 01532 |
* | $ 1,486,000 | 1 | $ 25,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 107,000 |
| Sawyer Savings Bank PO BOX 420 SAUGERTIES, NY 12477 |
* | $ 191,554,000 | 1 | $ 90,000 |
| Sullivan Financial Services 250 OAK RIDGE ROAD OAK RIDGE, NJ 07438 |
* | $ 82,000,000 | 1 | $ 100,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,477,891,000 | 1 | $ 10,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 395,225,000 | 1 | $ 5,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 60,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 81,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 206,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 300,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 164,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 1 | $ 91,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 171,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 4,749,631,000 | 1 | $ 81,000 |
The tables below break down 2014 mortgage applications in Delaware 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 Delaware County, NY in 2014
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 | 412 | $51,312,000 | $124,000 | $1,263,000 | $95,000 | $725,000 |
| Refinancing | 329 | $41,169,000 | $125,000 | $417,000 | $75,000 | $927,000 |
| Home Improvement | 155 | $6,624,000 | $42,000 | $610,000 | $64,000 | $761,000 |
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 | 712 | $77,241,000 | $108,000 | $1,263,000 | $83,000 | $761,000 |
| Not Provided | 89 | $11,170,000 | $125,000 | $417,000 | $106,000 | $927,000 |
| Not applicable | 53 | $5,586,000 | $105,000 | $271,000 | $17,000 | $220,000 |
| Hispanic | 22 | $2,390,000 | $108,000 | $300,000 | $130,000 | $386,000 |
| Asian | 8 | $1,410,000 | $176,000 | $610,000 | $92,000 | $204,000 |
| Black or African American | 7 | $691,000 | $98,000 | $160,000 | $43,000 | $123,000 |
| American Indian or Alaskan Native | 3 | $403,000 | $134,000 | $200,000 | $70,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $214,000 | $107,000 | $107,000 | $13,000 | $26,000 |
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) | 690 | $73,326,000 | $106,000 | $1,263,000 | $92,000 | $927,000 |
| FHA-insured (Federal Housing Administration) | 122 | $14,546,000 | $119,000 | $375,000 | $49,000 | $377,000 |
| VA-guaranteed (Veterans Administration) | 45 | $7,440,000 | $165,000 | $388,000 | $60,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,793,000 | $97,000 | $166,000 | $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 | 397 | $44,019,000 | $110,000 | $1,263,000 | $100,000 | $761,000 |
| Application Denied By Financial Institution | 276 | $29,874,000 | $108,000 | $610,000 | $73,000 | $927,000 |
| Loan Purchased By The Institution | 80 | $8,818,000 | $110,000 | $271,000 | $35,000 | $283,000 |
| Application Withdrawn By Applicant | 63 | $7,309,000 | $116,000 | $388,000 | $89,000 | $515,000 |
| Application Approved But Not Accepted | 46 | $5,120,000 | $111,000 | $309,000 | $76,000 | $446,000 |
| File Closed For Incompleteness | 34 | $3,965,000 | $116,000 | $230,000 | $67,000 | $193,000 |
| 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 | 54 | $4,252,000 | $78,000 | $610,000 | $68,000 | $377,000 |
| Debt-To-Income Ratio | 53 | $5,219,000 | $98,000 | $374,000 | $46,000 | $128,000 |
| Collateral | 45 | $5,703,000 | $126,000 | $417,000 | $103,000 | $927,000 |
| Other | 29 | $2,680,000 | $92,000 | $206,000 | $64,000 | $227,000 |
| Credit Application Incomplete | 18 | $3,005,000 | $166,000 | $332,000 | $108,000 | $354,000 |
| Unverifiable Information | 8 | $626,000 | $78,000 | $153,000 | $70,000 | $135,000 |
| Employment History | 3 | $214,000 | $71,000 | $101,000 | $33,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $193,000 | $64,000 | $77,000 | $50,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $89,000 | $89,000 | $89,000 | $25,000 | $25,000 |
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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