Essex County, NY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,455 mortgage applications in Essex County, NY totaling $231.5 million, up 3% from 2012. The average application was for $159,000, and applicants reported an average income of $97,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 164 applications, followed by Arrow Bank NA and Ccfcu Funding, LLC.
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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 | 1,455 |
| Total Mortgage Loan Application Amount | $231,454,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $10,755,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $7,207,000 |
* 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 |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,470,683,000 | 164 | $ 18,777,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 1,716,629,000 | 131 | $ 17,070,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 109 | $ 12,277,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 99 | $ 17,197,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,986,046,000 | 97 | $ 12,164,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 82 | $ 11,527,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 45 | $ 4,691,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 44 | $ 5,683,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 41 | $ 13,875,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 586,241,000 | 30 | $ 3,841,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 29 | $ 3,926,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 28 | $ 3,900,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 25 | $ 3,953,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 24 | $ 3,656,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 36,871,280,000 | 23 | $ 7,156,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 22 | $ 2,368,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 2,132,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 18 | $ 1,829,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 16 | $ 1,665,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 14 | $ 4,091,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 13 | $ 3,509,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 11 | $ 1,284,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 2,043,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 588,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 374,262,000 | 9 | $ 2,028,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 9 | $ 953,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 186,789,896,000 | 8 | $ 1,243,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 8 | $ 1,460,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 8 | $ 1,794,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,238,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 902,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,081,838,000 | 6 | $ 1,188,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 5 | $ 1,081,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 5 | $ 1,244,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 5 | $ 1,288,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 5 | $ 952,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 672,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 659,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 4 | $ 609,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 4,347,132,000 | 4 | $ 444,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 826,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 4 | $ 611,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 4 | $ 374,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 4 | $ 750,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 4 | $ 588,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 4 | $ 906,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 30,087,088,000 | 4 | $ 1,119,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 4 | $ 481,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 410,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 4 | $ 449,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 3 | $ 406,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 3 | $ 787,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 941,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 463,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 633,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 277,529,000 | 3 | $ 522,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 413,483,000 | 3 | $ 214,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 3 | $ 274,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 440,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 668,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 3 | $ 603,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 254,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 263,000 |
| Mortgage Master 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 2 | $ 537,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 2 | $ 347,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 2 | $ 178,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 2 | $ 506,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 2 | $ 532,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 214,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 2 | $ 368,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 178,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 448,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 2 | $ 408,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 2 | $ 36,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,590,320,000 | 2 | $ 372,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 307,822,000 | 2 | $ 1,950,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 2 | $ 451,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 2 | $ 422,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 33,878,000 | 2 | $ 223,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,269,975,000 | 2 | $ 264,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 1,952,648,000 | 2 | $ 220,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 265,762,000 | 2 | $ 225,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 500,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 143,703,000 | 2 | $ 182,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,712,663,000 | 1 | $ 215,000 |
| The National Union Bank of Kinderhook 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 313,330,000 | 1 | $ 191,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 664,859,000 | 1 | $ 90,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 203,000 |
| Isb Mortgage Company, LLC 249 MILLBURN AVE MILLBURN, NJ 07041 |
* | $ 5,601,500,000 | 1 | $ 192,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 189,000 |
| Holyoke Credit Union 490 WESTFIELD ROAD HOLYOKE, MA 01040 |
* | $ 136,897,000 | 1 | $ 85,000 |
| Firstrust Savings Bank 1 WALNUT GROVE DRIVE HORSHAM, PA 19044 |
* | $ 2,432,310,000 | 1 | $ 272,000 |
| Barclays Bank Delaware 125 S. WEST ST WILMINGTON, DE 19801 |
* | $ 18,981,103,000 | 1 | $ 500,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 47,738,052,000 | 1 | $ 469,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 417,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 119,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 34,387,677,000 | 1 | $ 1,612,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,170,136,000 | 1 | $ 105,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 3,790,597,000 | 1 | $ 369,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,277,091,000 | 1 | $ 89,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 1 | $ 265,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,128,358,000 | 1 | $ 10,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 15,998,107,000 | 1 | $ 190,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 10,755,000 |
| Intercap Lending Inc. 26970 ALISO VIEJO PARKWAY, SUITE 100 ALISO VIEJO, CA 92656 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 53,055,000 | 1 | $ 80,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 104,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 68,891,000 | 1 | $ 50,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 985,396,000 | 1 | $ 116,000 |
| Credit Union of New Jersey 1301 PARKWAY AVE EWING, NJ 08628 |
* | $ 311,392,000 | 1 | $ 80,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 166,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,016,311,000 | 1 | $ 121,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 2,280,245,000 | 1 | $ 106,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 364,485,000 | 1 | $ 4,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 723,745,000 | 1 | $ 58,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 2,972,167,000 | 1 | $ 105,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,308,229,000 | 1 | $ 293,000 |
| Sterling National Bank 98 CUTTERMILL ROAD GREAT NECK, NY 11021 |
* | $ 2,708,084,000 | 1 | $ 267,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Provident Bank 400 RELLA BLVD MONTEBELLO, NY 10901 |
* | $ 3,785,370,000 | 1 | $ 299,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 203,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 100,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ 51,703,000 | 1 | $ 340,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 183,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 271,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 394,000 |
| Secure Lending Solutions, Inc. 266 HARRISTOWN ROAD SUITE 304, NJ 07452 |
* | $ 250,000 | 1 | $ 182,000 |
| Mortgage Enterprise, Ltd 393 OLD COUNTRY RD SUITE 301 CARLE PLACE, NY 11514 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Mcs Mortgage Bankers, Inc. 20 OAK STREET PATCHOGUE, NY 11772 |
* | $ 4,785,307,000 | 1 | $ 168,000 |
| Continental Mortgage Bankers Inc 1025 OLD COUNTRY RD WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,751,448,000 | 1 | $ 81,000 |
| Ocean Financial FCU 45 ATLANTIC AVENUE OCEANSIDE, NY 11572 |
* | $ 278,676,000 | 1 | $ 173,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 794,877,000 | 1 | $ 78,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 253,900,000 | 1 | $ 28,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 402,049,000 | 1 | $ 200,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,160,453,000 | 1 | $ 170,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 1 | $ 188,000 |
The tables below break down 2013 mortgage applications in Essex 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 Essex 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 |
|---|---|---|---|---|---|---|
| Refinancing | 710 | $116,626,000 | $164,000 | $10,755,000 | $85,000 | $1,452,000 |
| Home Purchase | 529 | $100,793,000 | $190,000 | $6,450,000 | $122,000 | $7,207,000 |
| Home Improvement | 216 | $14,035,000 | $64,000 | $1,612,000 | $73,000 | $1,336,000 |
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 | 1,270 | $188,142,000 | $148,000 | $6,450,000 | $96,000 | $7,207,000 |
| Not Provided | 108 | $22,018,000 | $203,000 | $1,612,000 | $149,000 | $1,857,000 |
| Not applicable | 60 | $18,701,000 | $311,000 | $10,755,000 | $23,000 | $406,000 |
| Asian | 6 | $1,339,000 | $223,000 | $417,000 | $142,000 | $390,000 |
| Hispanic | 5 | $602,000 | $120,000 | $254,000 | $63,000 | $92,000 |
| American Indian or Alaskan Native | 3 | $341,000 | $113,000 | $160,000 | $63,000 | $112,000 |
| Black or African American | 2 | $301,000 | $150,000 | $151,000 | $20,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $168,000 | $168,000 |
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) | 1,156 | $180,381,000 | $156,000 | $6,450,000 | $111,000 | $7,207,000 |
| FHA-insured (Federal Housing Administration) | 153 | $30,535,000 | $199,000 | $10,755,000 | $39,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 85 | $10,212,000 | $120,000 | $252,000 | $41,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 61 | $10,326,000 | $169,000 | $417,000 | $56,000 | $217,000 |
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 | 784 | $128,021,000 | $163,000 | $6,450,000 | $117,000 | $7,207,000 |
| Application Denied By Financial Institution | 328 | $41,185,000 | $125,000 | $1,500,000 | $72,000 | $730,000 |
| Loan Purchased By The Institution | 133 | $29,789,000 | $223,000 | $10,755,000 | $51,000 | $406,000 |
| Application Withdrawn By Applicant | 106 | $16,020,000 | $151,000 | $778,000 | $83,000 | $471,000 |
| Application Approved But Not Accepted | 74 | $11,416,000 | $154,000 | $550,000 | $102,000 | $830,000 |
| File Closed For Incompleteness | 30 | $5,023,000 | $167,000 | $560,000 | $82,000 | $280,000 |
| 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 | 84 | $7,587,000 | $90,000 | $1,500,000 | $76,000 | $730,000 |
| Debt-To-Income Ratio | 79 | $9,557,000 | $120,000 | $459,000 | $55,000 | $200,000 |
| Collateral | 52 | $7,529,000 | $144,000 | $560,000 | $101,000 | $600,000 |
| Credit Application Incomplete | 26 | $3,436,000 | $132,000 | $346,000 | $66,000 | $300,000 |
| Other | 24 | $3,388,000 | $141,000 | $472,000 | $77,000 | $221,000 |
| Unverifiable Information | 7 | $865,000 | $123,000 | $300,000 | $83,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,864,000 | $266,000 | $611,000 | $109,000 | $210,000 |
| Employment History | 4 | $374,000 | $93,000 | $143,000 | $71,000 | $184,000 |
| 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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