Ithaca, NY Metro Area Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 2,852 mortgage applications in Ithaca, NY metro area totaling $417.9 million, up 15% from 2011. The average application was for $146,521, and applicants reported an average income of $87,000. 74% of applications resulted in an originated loan and 10% were denied. The most active lender was Beginnings Credit Union, with 637 applications, followed by Tompkins Community Bank and Elmira Savings Bank.
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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 |
| Total Number of Mortgage Applications | 2,852 |
| Total Mortgage Loan Application Amount | $417,878,000 |
| Average Mortgage Loan Application Amount | $146,521 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,261,000 |
* 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 |
|---|---|---|---|---|
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 800,858,000 | 637 | $ 85,246,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 1,565,020,000 | 567 | $ 94,225,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 523,397,000 | 320 | $ 53,354,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 175 | $ 28,483,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,213,554,000 | 101 | $ 10,118,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 129,256,000 | 85 | $ 2,956,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 82 | $ 21,596,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 82 | $ 13,979,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 6,460,589,000 | 73 | $ 8,362,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 72,985,000 | 73 | $ 9,124,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 385,339,000 | 51 | $ 3,664,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 48 | $ 8,760,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 36 | $ 4,039,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 34 | $ 4,777,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 106,000,000 | 31 | $ 2,486,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 27 | $ 4,367,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 25 | $ 2,183,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 24 | $ 4,483,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 897,588,000 | 19 | $ 3,986,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 18 | $ 2,721,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 2,921,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 15 | $ 799,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 14 | $ 353,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,040,695,000 | 13 | $ 1,776,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 12 | $ 804,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 11 | $ 1,807,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,403,481,000 | 11 | $ 1,705,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 8 | $ 487,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 7 | $ 934,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 7 | $ 895,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 7 | $ 45,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 7 | $ 928,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,210,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 1,107,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 6 | $ 779,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 5 | $ 1,082,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 1,187,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 5 | $ 643,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 5 | $ 271,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,032,359,000 | 5 | $ 619,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 5 | $ 1,102,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 5 | $ 732,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 4 | $ 163,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 690,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 4 | $ 436,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 4 | $ 824,000 |
| Beacon Federal 6611 MANLIUS CENTER RD EAST SYRACUSE, NY 13057 |
* | $ 1,027,212,000 | 3 | $ 108,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 3 | $ 416,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 3 | $ 417,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 3 | $ 467,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 584,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 3 | $ 664,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 654,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,006,368,000 | 3 | $ 424,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 278,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 2 | $ 415,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 663,383,000 | 2 | $ 104,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 878,744,000 | 2 | $ 50,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 2 | $ 32,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 253,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 512,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 230,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 183,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 2 | $ 366,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 434,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 2 | $ 163,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 374,000 |
| M&T Real Estate Trust 701 SENECA STREET-SUITE 330N BUFFALO, NY 14210 |
* | $ 54,391,344,000 | 2 | $ 1,528,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 297,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 2 | $ 263,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 220,153,000 | 2 | $ 251,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 2 | $ 787,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 61,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,388,411,000 | 1 | $ 212,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 674,749,000 | 1 | $ 112,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 111,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 295,645,000 | 1 | $ 19,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 387,870,000 | 1 | $ 30,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,726,940,000 | 1 | $ 134,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 1 | $ 124,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 127,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 193,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 128,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 66,063,531,000 | 1 | $ 95,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 98,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 176,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 366,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 240,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 1 | $ 192,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 345,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 377,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 25,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 495,222,000 | 1 | $ 359,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 2,329,353,000 | 1 | $ 142,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 243,485,000 | 1 | $ 245,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 134,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 1 | $ 402,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 129,735,000 | 1 | $ 110,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 182,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,144,104,000 | 1 | $ 111,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 84,157,000 | 1 | $ 10,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 5,134,908,000 | 1 | $ 328,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 77,990,000 | 1 | $ 95,000 |
| Stanford Federal Credit Union 1860 EMBARCADERO ROAD PALO ALTO, CA 94303 |
* | $ 1,365,507,000 | 1 | $ 226,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 442,654,000 | 1 | $ 99,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 3,955,635,000 | 1 | $ 130,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 4,181,445,000 | 1 | $ 74,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,312,496,000 | 1 | $ 181,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 95,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 120,000 |
The tables below break down 2012 mortgage applications in Ithaca, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ithaca, 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 | 1,392 | $221,747,000 | $159,000 | $2,400,000 | $92,000 | $859,000 |
| Home Purchase | 979 | $167,282,000 | $170,000 | $3,000,000 | $85,000 | $1,261,000 |
| Home Improvement | 481 | $28,849,000 | $59,000 | $650,000 | $77,000 | $456,000 |
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 | 2,410 | $325,877,000 | $135,000 | $1,140,000 | $88,000 | $1,261,000 |
| Not Provided | 191 | $32,085,000 | $167,000 | $1,366,000 | $104,000 | $1,187,000 |
| Not applicable | 88 | $32,610,000 | $370,000 | $3,000,000 | $1,000 | $64,000 |
| Asian | 68 | $14,042,000 | $206,000 | $556,000 | $129,000 | $610,000 |
| Black or African American | 47 | $6,407,000 | $136,000 | $342,000 | $73,000 | $205,000 |
| Hispanic | 36 | $4,733,000 | $131,000 | $417,000 | $83,000 | $352,000 |
| American Indian or Alaskan Native | 12 | $2,124,000 | $177,000 | $340,000 | $93,000 | $253,000 |
| 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) | 2,451 | $358,509,000 | $146,000 | $3,000,000 | $91,000 | $1,187,000 |
| FHA-insured (Federal Housing Administration) | 305 | $44,069,000 | $144,000 | $328,000 | $66,000 | $1,261,000 |
| VA-guaranteed (Veterans Administration) | 61 | $10,578,000 | $173,000 | $380,000 | $54,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,722,000 | $134,000 | $245,000 | $52,000 | $97,000 |
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 | 2,105 | $308,140,000 | $146,000 | $3,000,000 | $94,000 | $1,261,000 |
| Application Denied By Financial Institution | 296 | $31,376,000 | $106,000 | $723,000 | $66,000 | $282,000 |
| Application Withdrawn By Applicant | 181 | $35,581,000 | $196,000 | $1,200,000 | $76,000 | $578,000 |
| Loan Purchased By The Institution | 160 | $26,264,000 | $164,000 | $1,400,000 | $54,000 | $242,000 |
| Application Approved But Not Accepted | 76 | $11,171,000 | $146,000 | $483,000 | $80,000 | $312,000 |
| File Closed For Incompleteness | 34 | $5,346,000 | $157,000 | $345,000 | $90,000 | $273,000 |
| 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 | 68 | $5,818,000 | $85,000 | $345,000 | $52,000 | $178,000 |
| Credit History | 55 | $4,007,000 | $72,000 | $307,000 | $68,000 | $245,000 |
| Collateral | 36 | $5,087,000 | $141,000 | $360,000 | $79,000 | $160,000 |
| Other | 14 | $1,467,000 | $104,000 | $417,000 | $93,000 | $210,000 |
| Credit Application Incomplete | 12 | $1,463,000 | $121,000 | $300,000 | $79,000 | $240,000 |
| Unverifiable Information | 7 | $635,000 | $90,000 | $161,000 | $97,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,368,000 | $273,000 | $600,000 | $93,000 | $174,000 |
| Employment History | 4 | $274,000 | $68,000 | $150,000 | $27,000 | $37,000 |
| Mortgage Insurance Denied | 2 | $390,000 | $195,000 | $250,000 | $90,000 | $121,000 |
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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