Elmira, NY Metro Area Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 3,050 mortgage applications in Elmira, NY metro area totaling $383.1 million, up 11% from 2019. The average application was for $125,613, and applicants reported an average income of $90,000. 65% of applications resulted in an originated loan and 11% were denied. The most active lender was Corning Credit Union, with 703 applications, followed by Elmira Savings Bank and First Heritage 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 | 3,050 |
| Total Mortgage Loan Application Amount | $383,120,000 |
| Average Mortgage Loan Application Amount | $125,613 |
| Highest Mortgage Loan Application Amount | $12,705,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
|---|---|---|---|---|
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,504,251,000 | 703 | $ 79,285,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 607,045,000 | 415 | $ 53,485,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 492,964,000 | 308 | $ 30,790,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 146 | $ 14,300,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 114 | $ 15,220,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 105 | $ 14,615,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 83 | $ 8,025,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 73 | $ 7,155,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 72 | $ 10,130,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 54 | $ 7,600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 51 | $ 6,565,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 49 | $ 6,765,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,346,616,000 | 49 | $ 4,345,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 43 | $ 5,085,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 41 | $ 2,805,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 40 | $ 5,100,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,638,285,000 | 39 | $ 6,485,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 34 | $ 2,130,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 487,977,000 | 26 | $ 2,850,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 26 | $ 2,990,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 26 | $ 1,680,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 20 | $ 3,860,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 20 | $ 3,030,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 320,929,000 | 19 | $ 1,595,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 18 | $ 2,380,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 380,185,000 | 17 | $ 2,855,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 2,505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 2,275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 12 | $ 1,490,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 12 | $ 1,650,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 11 | $ 1,015,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 11 | $ 1,595,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,335,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 1,080,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 9 | $ 775,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 9 | $ 1,465,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 8 | $ 1,590,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,063,683,000 | 7 | $ 4,075,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,465,405,000 | 7 | $ 1,115,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 340,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 6 | $ 790,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 5 | $ 515,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 5 | $ 895,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 5 | $ 615,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,092,445,000 | 5 | $ 825,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 5 | $ 525,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 4 | $ 580,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 4 | $ 410,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 4 | $ 130,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 4 | $ 640,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 435,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 3 | $ 705,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 3 | $ 825,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 3 | $ 525,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 685,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 365,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 3 | $ 685,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 475,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 3 | $ 525,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 401,405,000 | 3 | $ 345,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 3 | $ 75,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 3 | $ 385,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 605,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 3 | $ 355,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 3 | $ 1,245,000 |
| Constructive Loans LLC 1801 S MEYERS RD OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 3 | $ 195,000 |
| Bank of Whittier, NA 15141 E WHITTIER BLVD WHITTIER, CA 90603 |
* | $ 73,884,000 | 2 | $ 440,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 2 | $ 340,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 280,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 2 | $ 270,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 160,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 2 | $ 12,780,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 740,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 190,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 230,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 2 | $ 250,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 2 | $ 720,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 70,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 520,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 55,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,843,868,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 35,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 125,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 1,111,391,000 | 1 | $ 305,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 1 | $ 55,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 195,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 115,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 217,610,000 | 1 | $ 125,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 6,073,827,000 | 1 | $ 445,000 |
| Nationwide Equities Corporation 225 BRAE BLVD SUITE 202 PARK RIDGE, NJ 07656 |
* | $ -1,000 | 1 | $ 175,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 574,696,000 | 1 | $ 155,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 1,231,695,000 | 1 | $ 1,585,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 45,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 265,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 125,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 1 | $ 165,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 45,000 |
| Kwik Mortgage Corporation 959 ROUTE 46 EAST, #401 PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 195,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 473,195,000 | 1 | $ 175,000 |
| Franklin Mint Federal Credit Union 5 HILLMAN DRIVE CHADDS FORD, PA 19317 |
* | $ 1,194,144,000 | 1 | $ 25,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 35,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 1,782,088,000 | 1 | $ 75,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 85,000 |
| State Financial Network LLC 5 HILLMAN DR CHADDS FORD, PA 19317 |
* | $ -1,000 | 1 | $ 95,000 |
| 1st Constitution Bank 1246 S. RIVER RD CRANBURY, NJ 08512 |
* | $ 1,585,704,000 | 1 | $ 65,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 185,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 1 | $ 255,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 4,055,933,000 | 1 | $ 165,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 629,553,000 | 1 | $ 55,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 65,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 1,636,039,000 | 1 | $ 375,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 125,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 55,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2020 mortgage applications in Elmira, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Elmira, NY in 2020
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 | 1,291 | $171,225,000 | $132,000 | $3,325,000 | $76,000 | $600,000 |
| Refinancing | 859 | $130,385,000 | $151,000 | $12,705,000 | $102,000 | $767,000 |
| Cash-out Refinancing | 407 | $54,295,000 | $133,000 | $755,000 | $104,000 | $846,000 |
| Home Improvement | 226 | $10,800,000 | $47,000 | $1,585,000 | $93,000 | $1,200,000 |
| Other Purpose | 180 | $8,780,000 | $48,000 | $235,000 | $92,000 | $670,000 |
| Not Applicable | 87 | $7,635,000 | $87,000 | $265,000 | $0 | $0 |
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 | 2,373 | $274,725,000 | $115,000 | $755,000 | $88,000 | $1,200,000 |
| Not applicable | 285 | $52,015,000 | $182,000 | $12,705,000 | $72,000 | $146,000 |
| Not Provided | 234 | $33,660,000 | $143,000 | $515,000 | $99,000 | $425,000 |
| Black or African American | 72 | $7,890,000 | $109,000 | $335,000 | $86,000 | $400,000 |
| Asian | 43 | $10,005,000 | $232,000 | $485,000 | $146,000 | $397,000 |
| Hispanic | 29 | $3,025,000 | $104,000 | $235,000 | $76,000 | $168,000 |
| American Indian or Alaskan Native | 8 | $690,000 | $86,000 | $155,000 | $70,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,292 | $282,940,000 | $123,000 | $12,705,000 | $96,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 542 | $64,070,000 | $118,000 | $315,000 | $58,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 198 | $33,780,000 | $170,000 | $755,000 | $73,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,330,000 | $129,000 | $225,000 | $52,000 | $75,000 |
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 | 1,971 | $256,645,000 | $130,000 | $12,705,000 | $92,000 | $846,000 |
| Application Denied By Financial Institution | 344 | $33,930,000 | $98,000 | $755,000 | $67,000 | $426,000 |
| Loan Purchased By The Institution | 271 | $35,065,000 | $129,000 | $485,000 | $74,000 | $281,000 |
| Application Withdrawn By Applicant | 258 | $30,960,000 | $120,000 | $445,000 | $87,000 | $767,000 |
| Application Approved But Not Accepted | 125 | $18,425,000 | $147,000 | $605,000 | $115,000 | $615,000 |
| File Closed For Incompleteness | 79 | $7,865,000 | $99,000 | $225,000 | $108,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 2 | $230,000 | $115,000 | $145,000 | $90,000 | $108,000 |
| Preapproval Approved but not Accepted | 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 | 2,644 | $340,400,000 | $128,000 | $12,705,000 | $93,000 | $1,200,000 |
| Debt-To-Income Ratio | 146 | $18,280,000 | $125,000 | $1,585,000 | $63,000 | $311,000 |
| Credit History | 112 | $7,970,000 | $71,000 | $355,000 | $68,000 | $210,000 |
| Collateral | 53 | $6,205,000 | $117,000 | $755,000 | $78,000 | $426,000 |
| Other | 45 | $4,555,000 | $101,000 | $265,000 | $72,000 | $185,000 |
| Credit Application Incomplete | 23 | $2,455,000 | $106,000 | $215,000 | $86,000 | $150,000 |
| Employment History | 11 | $1,115,000 | $101,000 | $235,000 | $43,000 | $80,000 |
| Unverifiable Information | 10 | $1,840,000 | $184,000 | $365,000 | $66,000 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $190,000 | $47,000 | $85,000 | $37,000 | $83,000 |
| Mortgage Insurance Denied | 2 | $110,000 | $55,000 | $65,000 | $72,000 | $88,000 |
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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