Herkimer County, NY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 2,191 mortgage applications in Herkimer County, NY totaling $319.2 million, down 7% from 2021. The average application was for $145,000, and applicants reported an average income of $99,000. 64% of applications resulted in an originated loan and 16% were denied. The most active lender was First Source Federal Credit Un, with 341 applications, followed by Americu Credit Union and Plaza Home Mortgage, Inc.
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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 | 2,191 |
| Total Mortgage Loan Application Amount | $319,195,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $13,325,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $5,400,000 |
* 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 |
|---|---|---|---|---|
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 805,603,000 | 341 | $ 33,355,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,541,059,000 | 181 | $ 21,395,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 140 | $ 21,160,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 958,373,000 | 135 | $ 23,375,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 427,771,000 | 115 | $ 9,175,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 103 | $ 10,235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 98 | $ 9,980,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,919,970,000 | 86 | $ 14,420,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 45 | $ 7,835,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 40 | $ 4,550,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 40 | $ 7,310,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 38 | $ 5,240,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 35 | $ 6,465,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 32 | $ 3,620,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 29 | $ 3,475,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 28 | $ 4,580,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 28 | $ 4,180,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 25 | $ 3,265,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 24 | $ 3,590,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 22 | $ 1,020,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 22 | $ 2,010,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 22 | $ 3,540,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 16 | $ 3,300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 3,950,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 16 | $ 2,260,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,548,730,000 | 13 | $ 2,565,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 13 | $ 1,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 1,985,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 13 | $ 1,415,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 12 | $ 1,980,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 12 | $ 1,910,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 11 | $ 2,065,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 10 | $ 1,150,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 2,210,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 10 | $ 1,780,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 10 | $ 780,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 9 | $ 1,805,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 466,805,000 | 9 | $ 2,035,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,440,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,490,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 8 | $ 1,730,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 8 | $ 1,480,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 7 | $ 1,015,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 7 | $ 1,455,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 450,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 1,325,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 865,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 495,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 475,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 1,095,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 870,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 710,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 4 | $ 740,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 560,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 4 | $ 420,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 160,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 530,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 4 | $ 150,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 4 | $ 250,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 4 | $ 420,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,626,303,000 | 3 | $ 775,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 2,069,453,000 | 3 | $ 565,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 1,405,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 3 | $ 425,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 3,170,096,000 | 3 | $ 855,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 3 | $ 1,085,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 445,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 565,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 675,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 615,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 284,739,000 | 2 | $ 100,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 260,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 630,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,453,893,000 | 2 | $ 810,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 13,380,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 2 | $ 290,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 360,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 200,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 341,806,000 | 2 | $ 240,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 210,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 2,780,799,000 | 2 | $ 80,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 2 | $ 290,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 2 | $ 100,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,008,821,000 | 2 | $ 680,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 460,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ 619,894,000 | 1 | $ 55,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,281,614,000 | 1 | $ 215,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 1 | $ 545,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 979,606,000 | 1 | $ 295,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 672,704,000 | 1 | $ 45,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 375,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 145,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,413,407,000 | 1 | $ 125,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 4,183,621,000 | 1 | $ 45,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 105,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 5,191,780,000 | 1 | $ 355,000 |
| Trademark FCU 44 EDISON DRIVE AUGUSTA, ME 04330 |
* | $ 115,790,000 | 1 | $ 25,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 1 | $ 35,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ -1,000 | 1 | $ 345,000 |
| Greater Woodlawn Federal Credit Union 3811 LAKESHORE RD BLASDELL, NY 14219 |
* | $ 148,670,000 | 1 | $ 285,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 1,423,356,000 | 1 | $ 65,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 162,963,000 | 1 | $ 35,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 315,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 85,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 285,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 1 | $ 135,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 6,466,636,000 | 1 | $ 55,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 1 | $ 45,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 315,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 145,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 115,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 145,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 1 | $ 305,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 1 | $ 145,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 6,495,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 225,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 195,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ -1,000 | 1 | $ 245,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 14,047,081,000 | 1 | $ 165,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 175,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ -1,000 | 1 | $ 245,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 215,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 247,699,000 | 1 | $ 365,000 |
| Lakeland Bank 250 OAK RIDGE RD NEWFOUNDLAND, NJ 07438 |
* | $ 8,195,337,000 | 1 | $ 45,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 195,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 565,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,151,137,000 | 1 | $ 565,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| Unity Bank 64 OLD HIGHWAY 22 CLINTON, NJ 08809 |
* | $ 2,022,383,000 | 1 | $ 385,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 225,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 3,077,235,000 | 1 | $ 1,485,000 |
The tables below break down 2022 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 2022
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 | 983 | $184,325,000 | $187,000 | $13,325,000 | $100,000 | $5,400,000 |
| Refinancing | 447 | $58,805,000 | $131,000 | $6,495,000 | $98,000 | $946,000 |
| Home Improvement | 285 | $19,905,000 | $69,000 | $345,000 | $87,000 | $329,000 |
| Other Purpose | 231 | $19,415,000 | $84,000 | $605,000 | $104,000 | $842,000 |
| Cash-out Refinancing | 225 | $35,225,000 | $156,000 | $1,235,000 | $104,000 | $2,256,000 |
| Not Applicable | 20 | $1,520,000 | $76,000 | $225,000 | $37,000 | $37,000 |
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 | 1,802 | $239,130,000 | $132,000 | $1,485,000 | $99,000 | $5,400,000 |
| Not Provided | 175 | $26,725,000 | $152,000 | $1,175,000 | $96,000 | $678,000 |
| Not applicable | 146 | $43,810,000 | $300,000 | $13,325,000 | $125,000 | $282,000 |
| Hispanic | 45 | $5,455,000 | $121,000 | $445,000 | $76,000 | $295,000 |
| American Indian or Alaskan Native | 8 | $1,430,000 | $178,000 | $345,000 | $107,000 | $238,000 |
| Asian | 7 | $1,805,000 | $257,000 | $435,000 | $176,000 | $630,000 |
| Black or African American | 6 | $640,000 | $106,000 | $165,000 | $83,000 | $168,000 |
| 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) | 1,695 | $239,265,000 | $141,000 | $13,325,000 | $107,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 369 | $55,225,000 | $149,000 | $6,495,000 | $61,000 | $329,000 |
| VA-guaranteed (Veterans Administration) | 97 | $21,235,000 | $218,000 | $535,000 | $90,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,470,000 | $115,000 | $165,000 | $56,000 | $125,000 |
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 | 1,408 | $212,490,000 | $150,000 | $13,325,000 | $101,000 | $2,256,000 |
| Application Denied By Financial Institution | 357 | $39,735,000 | $111,000 | $805,000 | $91,000 | $5,400,000 |
| Loan Purchased By The Institution | 147 | $26,855,000 | $182,000 | $1,485,000 | $142,000 | $2,256,000 |
| Application Withdrawn By Applicant | 145 | $21,535,000 | $148,000 | $505,000 | $78,000 | $342,000 |
| File Closed For Incompleteness | 67 | $8,765,000 | $130,000 | $415,000 | $106,000 | $1,020,000 |
| Application Approved But Not Accepted | 59 | $8,435,000 | $142,000 | $645,000 | $89,000 | $514,000 |
| Preapproval Approved but not Accepted | 8 | $1,380,000 | $172,000 | $335,000 | $83,000 | $143,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,829 | $272,375,000 | $148,000 | $13,325,000 | $100,000 | $2,256,000 |
| Credit History | 99 | $8,965,000 | $90,000 | $805,000 | $122,000 | $5,400,000 |
| Debt-To-Income Ratio | 99 | $18,495,000 | $186,000 | $6,495,000 | $58,000 | $212,000 |
| Collateral | 82 | $9,250,000 | $112,000 | $505,000 | $90,000 | $768,000 |
| Credit Application Incomplete | 34 | $4,230,000 | $124,000 | $435,000 | $111,000 | $946,000 |
| Other | 27 | $2,935,000 | $108,000 | $375,000 | $80,000 | $310,000 |
| Employment History | 11 | $1,375,000 | $125,000 | $325,000 | $64,000 | $194,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,020,000 | $170,000 | $255,000 | $102,000 | $176,000 |
| Unverifiable Information | 4 | $550,000 | $137,000 | $325,000 | $62,000 | $116,000 |
| 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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