Fulton County, NY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,684 mortgage applications in Fulton County, NY totaling $347.7 million, down 11% from 2012. The average application was for $206,000, and applicants reported an average income of $62,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Nbt Bank NA, with 278 applications, followed by Wells Fargo Bank NA and Homestead Funding Corp..
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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 | 1,684 |
| Total Mortgage Loan Application Amount | $347,659,000 |
| Average Mortgage Loan Application Amount | $206,000 |
| Highest Mortgage Loan Application Amount | $79,809,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $843,000 |
* 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 | 278 | $ 15,923,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 149 | $ 15,441,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 118 | $ 13,707,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 56 | $ 4,867,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 52 | $ 6,143,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 374,262,000 | 51 | $ 5,535,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 49 | $ 5,841,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 47 | $ 4,509,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 46 | $ 3,310,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 36,871,280,000 | 45 | $ 4,406,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 34 | $ 2,959,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 3,564,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 34 | $ 4,280,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 32 | $ 3,536,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 30 | $ 3,431,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 29 | $ 2,851,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 28 | $ 4,340,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 26 | $ 4,010,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 25 | $ 2,526,000 |
| Trustco Bank 6 METRO PARK ROAD ALBANY, NY 12205 |
* | $ 4,347,132,000 | 22 | $ 3,073,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 22 | $ 2,792,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 18 | $ 2,823,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 16 | $ 2,629,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 15 | $ 1,624,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 15 | $ 738,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 186,789,896,000 | 13 | $ 1,255,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 13 | $ 896,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,081,838,000 | 12 | $ 1,314,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 11 | $ 1,416,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 11 | $ 728,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 11 | $ 1,135,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 9 | $ 1,347,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 714,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 8 | $ 1,556,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 8 | $ 1,278,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 8 | $ 270,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 1,285,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 8 | $ 335,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 8 | $ 988,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 7 | $ 782,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 7 | $ 1,093,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 7 | $ 1,604,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,513,640,000 | 7 | $ 747,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 7 | $ 1,048,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,470,683,000 | 7 | $ 514,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 252,402,000 | 6 | $ 602,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 5 | $ 638,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 586,241,000 | 5 | $ 470,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 421,160,000 | 5 | $ 580,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 620,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 402,049,000 | 5 | $ 546,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 566,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,160,453,000 | 4 | $ 82,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 4 | $ 388,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 4 | $ 368,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 4 | $ 555,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 4 | $ 779,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 297,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 5,144,058,000 | 3 | $ 482,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 3 | $ 175,106,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 3 | $ 368,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 432,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 3 | $ 346,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 759,327,000 | 3 | $ 401,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 162,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 3 | $ 444,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 3 | $ 75,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 2 | $ 306,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 244,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 207,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 121,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 20,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,751,448,000 | 2 | $ 443,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 258,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 2 | $ 121,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 189,963,000 | 2 | $ 127,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,736,022,000 | 2 | $ 132,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 2 | $ 161,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 80,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 979,843,000 | 2 | $ 223,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 143,703,000 | 2 | $ 95,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 265,762,000 | 2 | $ 337,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 350,848,000 | 2 | $ 72,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,128,358,000 | 1 | $ 60,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,170,136,000 | 1 | $ 190,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 178,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 1,016,311,000 | 1 | $ 178,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 15,998,107,000 | 1 | $ 189,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 10,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 20,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,778,826,000 | 1 | $ 15,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 140,392,000 | 1 | $ 93,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,245,950,000 | 1 | $ 184,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 1 | $ 25,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 80,000 |
| The National Union Bank of Kinderhook 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 313,330,000 | 1 | $ 266,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 160,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 253,900,000 | 1 | $ 33,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 307,822,000 | 1 | $ 29,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 222,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 142,000 |
| Guardhill Financial LLC 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ 9,310,000 | 1 | $ 255,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 60,000 |
| Eastern Bank 195 MARKET ST LYNN, MA 01901 |
* | $ 8,578,584,000 | 1 | $ 520,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 1 | $ 238,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 347,155,000 | 1 | $ 5,000 |
| Atlantic Home Loans, Inc. 50 ROUTE 46 PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 288,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 58,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 31,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 150,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,131,391,000 | 1 | $ 217,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 52,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 215,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 206,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 1 | $ 185,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 277,529,000 | 1 | $ 86,000 |
| Hometown Bank of the Hudson VA 12 MAIN ST. WALDEN, NY 12586 |
* | $ 154,720,000 | 1 | $ 144,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 268,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 23,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 122,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 102,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 324,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 20,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 5,269,975,000 | 1 | $ 170,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 228,000 |
The tables below break down 2013 mortgage applications in Fulton 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 Fulton 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 | 781 | $267,202,000 | $342,000 | $79,809,000 | $64,000 | $797,000 |
| Home Purchase | 636 | $71,284,000 | $112,000 | $580,000 | $62,000 | $843,000 |
| Home Improvement | 267 | $9,173,000 | $34,000 | $416,000 | $56,000 | $661,000 |
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 | 1,336 | $135,956,000 | $101,000 | $581,000 | $66,000 | $843,000 |
| Not applicable | 157 | $189,727,000 | $1,208,000 | $79,809,000 | $14,000 | $350,000 |
| Not Provided | 156 | $17,292,000 | $110,000 | $580,000 | $65,000 | $840,000 |
| Hispanic | 14 | $1,692,000 | $120,000 | $273,000 | $67,000 | $151,000 |
| Black or African American | 12 | $1,754,000 | $146,000 | $383,000 | $181,000 | $661,000 |
| Asian | 5 | $892,000 | $178,000 | $348,000 | $72,000 | $109,000 |
| American Indian or Alaskan Native | 4 | $346,000 | $86,000 | $132,000 | $28,000 | $42,000 |
| 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) | 1,081 | $106,233,000 | $98,000 | $581,000 | $75,000 | $843,000 |
| FHA-insured (Federal Housing Administration) | 415 | $216,874,000 | $522,000 | $79,809,000 | $35,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 109 | $15,798,000 | $144,000 | $384,000 | $47,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $8,754,000 | $110,000 | $304,000 | $44,000 | $92,000 |
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 | 754 | $82,774,000 | $109,000 | $581,000 | $75,000 | $843,000 |
| Application Denied By Financial Institution | 424 | $35,228,000 | $83,000 | $520,000 | $52,000 | $494,000 |
| Loan Purchased By The Institution | 246 | $200,667,000 | $815,000 | $79,809,000 | $31,000 | $350,000 |
| Application Withdrawn By Applicant | 117 | $13,304,000 | $113,000 | $383,000 | $68,000 | $433,000 |
| Application Approved But Not Accepted | 104 | $10,495,000 | $100,000 | $525,000 | $74,000 | $840,000 |
| File Closed For Incompleteness | 39 | $5,191,000 | $133,000 | $347,000 | $61,000 | $235,000 |
| 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 | 123 | $5,241,000 | $42,000 | $254,000 | $48,000 | $177,000 |
| Debt-To-Income Ratio | 96 | $7,662,000 | $79,000 | $520,000 | $38,000 | $182,000 |
| Collateral | 52 | $6,043,000 | $116,000 | $358,000 | $81,000 | $494,000 |
| Other | 34 | $2,662,000 | $78,000 | $304,000 | $58,000 | $258,000 |
| Credit Application Incomplete | 23 | $3,055,000 | $132,000 | $417,000 | $66,000 | $185,000 |
| Unverifiable Information | 6 | $334,000 | $55,000 | $86,000 | $29,000 | $73,000 |
| Employment History | 6 | $675,000 | $112,000 | $145,000 | $54,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $425,000 | $85,000 | $191,000 | $29,000 | $58,000 |
| 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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