Greene County, NY Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,633 mortgage applications in Greene County, NY totaling $255.3 million, up 15% from 2014. The average application was for $156,000, and applicants reported an average income of $105,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Homestead Funding Corp., with 216 applications, followed by The Bank of Greene County 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 1,633
Total Mortgage Loan Application Amount $255,260,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $2,450,000
Average Applicant Income $105,000
Highest Applicant Income $3,200,000

Mortgage Company List for Lending in Greene County, NY for 2015

* 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
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 216 $ 34,160,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ 711,589,000 209 $ 28,361,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 140 $ 23,532,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 298,129,000 113 $ 9,889,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,643,460,000 58 $ 9,323,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 34 $ 7,281,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 33 $ 5,046,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 38,494,804,000 30 $ 6,199,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 760,058,000 29 $ 6,139,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 28 $ 4,536,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 28 $ 4,385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 28 $ 7,436,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 28 $ 2,672,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 28 $ 3,350,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 27 $ 4,456,000
Sawyer Savings Bank
PO BOX 420
SAUGERTIES, NY 12477
* $ 201,064,000 21 $ 2,885,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 20 $ 3,872,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 19 $ 3,199,000
Mid-Hudson Valley Federal C.U.
1099 MORTON BLVD
KINGSTON, NY 12401
* $ 794,424,000 18 $ 1,987,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 2,364,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 15 $ 5,190,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 14 $ 1,917,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,044,417,000 12 $ 1,882,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 12 $ 1,818,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 439,777,000 10 $ 1,294,000
Rondout Savings Bank
300 BROADWAY
KINGSTON, NY 12401
* $ 301,414,000 10 $ 1,702,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 10 $ 1,551,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 10 $ 2,010,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 10 $ 607,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 9 $ 237,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 230,280,000,000 9 $ 2,418,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 9 $ 1,016,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 9 $ 1,395,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 9 $ 1,225,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 9 $ 1,471,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,445,000
Berkshire Bank

ALBANY, NY 12207
* $ 6,476,905,000 8 $ 1,131,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 8 $ 823,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,258,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 7 $ 1,375,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 7 $ 2,310,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 7 $ 124,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 5,831,677,000 7 $ 1,439,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 6 $ 184,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 6 $ 1,058,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 6 $ 942,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 5 $ 296,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 5 $ 1,317,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 5,023,914,000 4 $ 721,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 4 $ 777,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 588,000
Vanguard Funding LLC
300 GARDEN CITY PLAZA, SUITE 170
GARDEN CITY, NY 11530
* $ 2,793,000 4 $ 582,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ 10,000,000 4 $ 767,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 4 $ 499,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 4 $ 515,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 4 $ 1,187,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 550,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 3 $ 314,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 3 $ 496,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 3 $ 267,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 3 $ 203,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 80,472,892,000 3 $ 436,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 3 $ 342,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 3 $ 500,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ 10,000,000 3 $ 827,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 3 $ 566,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 1,433,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 4,190,314,000 3 $ 316,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 3 $ 500,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 688,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 615,000
Ulster Federal Credit Union
127 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 104,639,000 3 $ 215,000
Community Resource Federal Credit Union
20 WADE ROAD
LATHAM, NY 12110
* $ 75,057,000 3 $ 185,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 3 $ 484,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 3 $ 493,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 3 $ 473,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 321,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 3 $ 637,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 2 $ 217,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,967,941,000 2 $ 69,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,599,798,000 2 $ 453,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 298,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 2 $ 266,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 377,710,000 2 $ 408,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 2 $ 281,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 447,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 2 $ 114,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 334,000
Rhinebeck Bank
2 JEFFERSON PLAZA
POUGHKEEPSIE, NY 12601
* $ 650,982,000 2 $ 377,000
Suffolk County National Bank
4 WEST SECOND STREET
RIVERHEAD, NY 11901
* $ 1,894,943,000 2 $ 250,000
Academy Mortgage Corp.
105 CONKLIN STREET
FARMINGDALE, NY 11735
* $ 10,000,000 2 $ 286,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 283,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 48,481,911,000 2 $ 743,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 2 $ 419,000
Investors Bank
101 WOOD AVENUE SOUTH
ISELIN, NJ 08830
* $ 18,704,433,000 2 $ 550,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 32,314,043,000 2 $ 668,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 273,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 421,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ 5,479,000 1 $ 113,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 5,015,805,000 1 $ 175,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 427,797,000 1 $ 30,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 378,840,000 1 $ 85,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 22,513,012,000 1 $ 275,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 44,281,869,000 1 $ 144,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 20,938,997,000 1 $ 1,180,000
Isb Mortgage Company, LLC
249 MILLBURN AVE
MILLBURN, NJ 07041
* $ 5,601,500,000 1 $ 90,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 242,000
Community Federal Savings Bank
89-16 JAMAICA AVENUE
WOODHAVEN, NY 11421
* $ 133,129,000 1 $ 120,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 423,867,000 1 $ 78,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ 10,016,511,000 1 $ 200,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 165,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ 9,310,000 1 $ 248,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ 10,000,000 1 $ 222,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,461,279,000 1 $ 40,000
Firstkey Mortgage, LLC
900 THIRD AVENUE, SUITE 500
NEW YORK, NY 10022
* $ 4,365,000 1 $ 248,000
Greenway Mortgage Funding Corp.
107 TINDALL ROAD
MIDDLETOWN, NJ 07748
* $ 7,907,000 1 $ 161,000
SB One Bank
100 ENTERPRISE DRIVE, SUITE 700
ROCKAWAY, NJ 07866
* $ 595,796,000 1 $ 188,000
Atlantic Home Loans, Inc.
50 ROUTE 46
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 116,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 1 $ 159,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 162,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ 10,000,000 1 $ 280,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 1,033,681,000 1 $ 192,000
Bcb Community Bank
591-595 AVENUE C
BAYONNE, NJ 07002
* $ 1,300,020,000 1 $ 440,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 308,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,840,037,000 1 $ 41,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,522,955,000 1 $ 213,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 189,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 1 $ 161,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ 1,611,301,000 1 $ 203,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 820,974,000 1 $ 22,000
Bridgeway Federal Credit Union
21 BURNETT BLVD, STE 2
POUGHKEEPSIE, NY 12603
* $ 78,440,000 1 $ 40,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ 4,520,676,000 1 $ 110,000
Suma Federal Credit Union
125 CORPORATE BLVD
YONKERS, NY 10701
* $ 295,804,000 1 $ 300,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ 10,000,000 1 $ 312,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 121,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 1 $ 81,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 161,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,142,643,000 1 $ 82,000
School Systems
150 DEFREEST DRIVE
TROY, NY 12180
* $ 75,967,000 1 $ 50,000
Teg Federal Credit Union
1 COMMERCE ST.
POUGHKEEPSIE, NY 12603
* $ 211,639,000 1 $ 160,000
Northeastern Operating Engineers Federal Credit Union
16-16 WHITESTONE EXPRESSWAY,
WHITESTONE, NY 11357
* $ 63,938,000 1 $ 160,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 186,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 91,256,000 1 $ 116,000
Hometown Bank of the Hudson VA
12 MAIN ST.
WALDEN, NY 12586
* $ 124,979,000 1 $ 200,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 271,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 2,096,410,000 1 $ 360,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 1 $ 176,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 1 $ 131,000

The tables below break down 2015 mortgage applications in Greene 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 Greene County, NY in 2015

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 851 $143,737,000 $168,000 $1,180,000 $119,000 $3,200,000
Refinancing 559 $94,587,000 $169,000 $2,450,000 $89,000 $1,437,000
Home Improvement 223 $16,936,000 $75,000 $500,000 $89,000 $650,000

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 1,286 $196,189,000 $152,000 $2,450,000 $109,000 $3,200,000
Not Provided 139 $26,679,000 $191,000 $1,180,000 $137,000 $1,909,000
Not applicable 120 $19,802,000 $165,000 $702,000 $13,000 $316,000
Hispanic 42 $5,166,000 $123,000 $284,000 $98,000 $518,000
Black or African American 24 $3,234,000 $134,000 $291,000 $71,000 $167,000
Asian 14 $3,095,000 $221,000 $469,000 $262,000 $1,306,000
American Indian or Alaskan Native 6 $637,000 $106,000 $180,000 $50,000 $73,000
Native Hawaiian or Other Pacific Islander 2 $458,000 $229,000 $233,000 $63,000 $126,000

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) 1,208 $193,740,000 $160,000 $2,450,000 $124,000 $3,200,000
FHA-insured (Federal Housing Administration) 245 $33,298,000 $135,000 $275,000 $50,000 $200,000
VA-guaranteed (Veterans Administration) 98 $17,324,000 $176,000 $410,000 $55,000 $245,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 82 $10,898,000 $132,000 $221,000 $42,000 $86,000

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 840 $131,133,000 $156,000 $1,000,000 $122,000 $1,437,000
Application Denied By Financial Institution 373 $52,915,000 $141,000 $2,000,000 $89,000 $3,200,000
Loan Purchased By The Institution 171 $25,646,000 $149,000 $415,000 $44,000 $390,000
Application Withdrawn By Applicant 159 $31,176,000 $196,000 $2,450,000 $127,000 $1,909,000
Application Approved But Not Accepted 52 $7,824,000 $150,000 $1,100,000 $73,000 $280,000
File Closed For Incompleteness 38 $6,566,000 $172,000 $1,000,000 $107,000 $628,000
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
Debt-To-Income Ratio 95 $13,094,000 $137,000 $448,000 $59,000 $250,000
Credit History 88 $7,869,000 $89,000 $420,000 $75,000 $380,000
Collateral 50 $10,449,000 $208,000 $2,000,000 $126,000 $835,000
Credit Application Incomplete 28 $4,418,000 $157,000 $351,000 $90,000 $265,000
Other 19 $3,848,000 $202,000 $1,071,000 $306,000 $3,200,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,536,000 $139,000 $271,000 $80,000 $250,000
Unverifiable Information 3 $327,000 $109,000 $185,000 $132,000 $255,000
Employment History 3 $469,000 $156,000 $225,000 $56,000 $81,000
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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