Herkimer County, NY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 2,125 mortgage applications in Herkimer County, NY totaling $192.5 million, up 17% from 2011. The average application was for $90,000, and applicants reported an average income of $68,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Adirondack Bank, with 285 applications, followed by First Source Federal Credit Un and Americu 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 | 2,125 |
| Total Mortgage Loan Application Amount | $192,537,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $1,162,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,436,000 |
* 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 |
|---|---|---|---|---|
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 580,713,000 | 285 | $ 26,112,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 312,469,000 | 172 | $ 8,959,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,006,368,000 | 153 | $ 10,467,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 147 | $ 10,137,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 134 | $ 14,558,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 128 | $ 10,542,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 87 | $ 9,983,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 77 | $ 6,230,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 66 | $ 6,701,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 58 | $ 6,914,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 51 | $ 2,317,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 44 | $ 2,238,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 43 | $ 5,065,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 39 | $ 3,518,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 31 | $ 4,632,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 6,460,589,000 | 30 | $ 3,082,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 172,990,000 | 27 | $ 1,435,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 26 | $ 1,506,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 25 | $ 1,944,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 20 | $ 1,883,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 20 | $ 1,673,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 18 | $ 1,656,000 |
| Beacon Federal 6611 MANLIUS CENTER RD EAST SYRACUSE, NY 13057 |
* | $ 1,027,212,000 | 16 | $ 1,687,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 16 | $ 805,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 15 | $ 1,181,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 14 | $ 1,934,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 1,384,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,403,481,000 | 13 | $ 1,573,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 1,482,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,032,359,000 | 13 | $ 1,029,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 12 | $ 1,463,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 12 | $ 1,219,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 12 | $ 991,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 51,776,000 | 11 | $ 743,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 3,955,635,000 | 11 | $ 1,309,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 9 | $ 2,288,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 9 | $ 80,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 9 | $ 946,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 8 | $ 885,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 8 | $ 1,038,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 7 | $ 637,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 6 | $ 992,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 1,129,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 5 | $ 586,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 5 | $ 151,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 5 | $ 377,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 5 | $ 100,000 |
| Remington Federal Credit Union 39 CENTRAL PLAZA ILION, NY 13357 |
* | $ 44,218,000 | 5 | $ 812,000 |
| The Funding Source LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 5 | $ 590,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,316,124,000 | 4 | $ 214,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 158,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 464,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 4 | $ 603,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 4 | $ 397,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 4 | $ 465,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 547,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 554,692,000 | 3 | $ 764,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 3 | $ 240,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 216,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 3 | $ 934,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 3 | $ 400,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 3 | $ 420,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 3 | $ 155,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 3 | $ 376,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 94,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 2 | $ 94,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 94,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 259,000 |
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 664,055,000 | 2 | $ 301,000 |
| Money Federal Credit Union PO BOX 957 SYRACUSE, NY 13201 |
* | $ 47,722,000 | 2 | $ 475,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 3,352,418,000 | 2 | $ 215,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 4,181,445,000 | 2 | $ 169,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 191,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 2 | $ 125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 266,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 223,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 133,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 2 | $ 168,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 166,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 200,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 2 | $ 238,000 |
| Sage Bank 18 HURD STREET LOWELL, MA 01852 |
* | $ 169,755,000 | 2 | $ 470,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 65,000 |
| Bank of the Carolinas P O BOX 347 ADVANCE, NC 27006 |
* | $ 485,766,000 | 1 | $ 300,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 146,000 |
| Dr Bank 1001 POST ROAD DARIEN, CT 06820 |
* | $ 200,691,000 | 1 | $ 669,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 109,542,000 | 1 | $ 80,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 162,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 254,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 121,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 1,038,509,000 | 1 | $ 160,000 |
| American Eagle FCU 417 MAIN STREET EAST HARTFORD, CT 06118 |
* | $ 1,325,908,000 | 1 | $ 5,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,726,940,000 | 1 | $ 200,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 100,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 18,674,334,000 | 1 | $ 184,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 53,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 25,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 138,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 215,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 47,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 117,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 278,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 1 | $ 185,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 85,061,000 | 1 | $ 1,162,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 200,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 1 | $ 192,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 363,539,000 | 1 | $ 113,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 415,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 131,556,000 | 1 | $ 447,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 128,079,000 | 1 | $ 5,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 906,129,000 | 1 | $ 7,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 739,558,000 | 1 | $ 115,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,231,076,000 | 1 | $ 145,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 121,980,000 | 1 | $ 103,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 40,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 442,654,000 | 1 | $ 15,000 |
| Beneficial Bank 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 4,590,203,000 | 1 | $ 10,000 |
| Bank of Richmondville 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 122,855,000 | 1 | $ 215,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 51,000 |
The tables below break down 2012 mortgage applications in Herkimer 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 Herkimer County, NY in 2012
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 | 1,052 | $112,659,000 | $107,000 | $1,162,000 | $77,000 | $1,436,000 |
| Home Purchase | 692 | $68,499,000 | $98,000 | $950,000 | $59,000 | $679,000 |
| Home Improvement | 381 | $11,379,000 | $29,000 | $360,000 | $61,000 | $1,002,000 |
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 | 1,827 | $164,462,000 | $90,000 | $998,000 | $73,000 | $1,436,000 |
| Not Provided | 139 | $12,962,000 | $93,000 | $1,162,000 | $64,000 | $576,000 |
| Not applicable | 126 | $11,540,000 | $91,000 | $500,000 | $2,000 | $108,000 |
| Hispanic | 19 | $2,040,000 | $107,000 | $669,000 | $70,000 | $314,000 |
| Black or African American | 5 | $639,000 | $127,000 | $254,000 | $27,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $511,000 | $127,000 | $210,000 | $66,000 | $110,000 |
| Asian | 3 | $237,000 | $79,000 | $145,000 | $38,000 | $63,000 |
| American Indian or Alaskan Native | 2 | $146,000 | $73,000 | $94,000 | $64,000 | $101,000 |
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) | 1,504 | $134,757,000 | $89,000 | $1,162,000 | $79,000 | $1,436,000 |
| FHA-insured (Federal Housing Administration) | 444 | $40,380,000 | $90,000 | $274,000 | $40,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 91 | $10,220,000 | $112,000 | $285,000 | $47,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 86 | $7,180,000 | $83,000 | $158,000 | $39,000 | $74,000 |
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 | 1,243 | $114,380,000 | $92,000 | $998,000 | $80,000 | $1,436,000 |
| Application Denied By Financial Institution | 386 | $28,721,000 | $74,000 | $1,162,000 | $56,000 | $1,002,000 |
| Loan Purchased By The Institution | 213 | $19,334,000 | $90,000 | $417,000 | $22,000 | $161,000 |
| Application Withdrawn By Applicant | 154 | $18,037,000 | $117,000 | $417,000 | $68,000 | $297,000 |
| Application Approved But Not Accepted | 95 | $8,441,000 | $88,000 | $600,000 | $69,000 | $366,000 |
| File Closed For Incompleteness | 34 | $3,624,000 | $106,000 | $430,000 | $66,000 | $140,000 |
| 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 | 87 | $5,243,000 | $60,000 | $375,000 | $59,000 | $334,000 |
| Debt-To-Income Ratio | 81 | $4,961,000 | $61,000 | $350,000 | $34,000 | $125,000 |
| Collateral | 43 | $4,062,000 | $94,000 | $336,000 | $65,000 | $163,000 |
| Other | 31 | $3,797,000 | $122,000 | $1,162,000 | $97,000 | $1,002,000 |
| Credit Application Incomplete | 14 | $1,456,000 | $104,000 | $266,000 | $65,000 | $175,000 |
| Unverifiable Information | 6 | $445,000 | $74,000 | $174,000 | $45,000 | $72,000 |
| Employment History | 5 | $219,000 | $43,000 | $65,000 | $28,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $247,000 | $82,000 | $132,000 | $29,000 | $50,000 |
| Mortgage Insurance Denied | 1 | $70,000 | $70,000 | $70,000 | $43,000 | $43,000 |
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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