Ithaca, NY Metro Area Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,846 mortgage applications in Ithaca, NY metro area totaling $389.3 million, about the same as 2017. The average application was for $210,904, and applicants reported an average income of $109,000. 71% of applications resulted in an originated loan and 13% were denied. The most active lender was Beginnings Credit Union, with 335 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 | 1,846 |
| Total Mortgage Loan Application Amount | $389,330,000 |
| Average Mortgage Loan Application Amount | $210,904 |
| Highest Mortgage Loan Application Amount | $13,165,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $2,448,000 |
* 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 |
* | $ 1,056,836,000 | 335 | $ 56,045,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,118,275,000 | 252 | $ 71,900,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 554,686,000 | 216 | $ 35,770,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 103,748,000 | 91 | $ 11,205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 80 | $ 12,250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 57 | $ 9,625,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 50 | $ 6,750,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 47 | $ 9,095,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 177,570,000 | 41 | $ 4,085,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 10,521,576,000 | 41 | $ 4,955,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,704,254,000 | 41 | $ 6,255,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 471,190,000 | 41 | $ 9,875,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,022,727,000 | 39 | $ 8,905,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 32 | $ 4,940,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,343,220,000 | 28 | $ 4,470,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 23 | $ 4,405,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 148,634,000 | 19 | $ 1,995,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 19 | $ 1,375,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,060,824,000 | 17 | $ 2,335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 16 | $ 2,500,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 2,505,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 15 | $ 3,185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 13 | $ 2,045,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 12 | $ 2,450,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 11 | $ 2,305,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 10 | $ 1,330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 2,020,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 10 | $ 1,780,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,195,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 1,430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 6 | $ 560,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 6 | $ 530,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 863,654,000 | 6 | $ 420,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,662,017,000 | 5 | $ 615,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 5 | $ 1,645,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 865,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 290,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 560,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 565,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 605,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 3 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 715,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 645,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 425,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 3 | $ 355,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 835,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 7,038,696,000 | 2 | $ 10,120,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 420,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,643,264,000 | 2 | $ 480,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 2 | $ 530,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,555,097,000 | 2 | $ 130,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 350,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,359,874,000 | 2 | $ 910,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 380,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 660,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 2 | $ 480,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 2 | $ 420,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 370,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 500,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 2 | $ 520,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 2 | $ 310,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 2 | $ 400,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 140,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 2 | $ 750,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 230,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 288,294,007,000 | 2 | $ 200,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 117,254,000 | 2 | $ 500,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,454,524,000 | 2 | $ 10,270,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 2 | $ 290,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 19,280,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 290,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 2 | $ 220,000 |
| Andigo Credit Union 1501 E WOODFIELD RD SCHAUMBURG, IL 60173 |
* | $ 867,139,000 | 2 | $ 660,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 105,000 |
| Fortis Private Bank 1550 17TH STREET SUITE 100 DENVER, CO 80202 |
* | $ 536,785,000 | 1 | $ 375,000 |
| Corevestamericanfinancelenderllc 1920 MAIN ST #850 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 13,165,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,262,642,000 | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 95,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 145,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 1 | $ 345,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 155,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 265,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 105,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 142,605,000 | 1 | $ 165,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 115,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 5,110,112,000 | 1 | $ 245,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 95,000 |
| Garden Savings Federal Credit Union LITTLETON ROAD PARSIPPANY, NJ 07054 |
* | $ 355,263,000 | 1 | $ 15,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 115,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ -1,000 | 1 | $ 2,905,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 1 | $ 305,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,450,413,000 | 1 | $ 155,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 1,391,299,000 | 1 | $ 415,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 235,000 |
| Bank of Akron 46 MAIN STREET AKRON, NY 14001 |
* | $ 321,286,000 | 1 | $ 375,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 265,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ 2,685,788,000 | 1 | $ 135,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 9,696,344,000 | 1 | $ 35,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,482,092,000 | 1 | $ 195,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 145,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 175,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 526,835,000 | 1 | $ 1,845,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 198,592,000,000 | 1 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 295,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 185,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,069,086,000 | 1 | $ 395,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 13,854,593,000 | 1 | $ 255,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 125,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 75,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 195,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 25,741,733,000 | 1 | $ 325,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 95,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 15,286,549,000 | 1 | $ 335,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 292,150,000 | 1 | $ 45,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 145,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 435,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 30,280,467,000 | 1 | $ 95,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 235,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 867,092,000 | 1 | $ 215,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 4,790,967,000 | 1 | $ 235,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 1 | $ 125,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 450,611,000 | 1 | $ 35,000 |
| Colonial Mortgage Company, LLC PO BOX 689 DALEVILLE, VA 24083 |
* | $ -1,000 | 1 | $ 205,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 180,371,724,000 | 1 | $ 265,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Investors Mortgage Company LLC 101 JFK PARKWAY SHORT HILLS, NJ 07078 |
* | $ -1,000 | 1 | $ 485,000 |
| St. Pius X Church FCU 2998 CHILI AVENUE ROCHESTER, NY 14624 |
* | $ 80,104,000 | 1 | $ 265,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 205,000 |
The tables below break down 2018 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 2018
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 | 992 | $229,650,000 | $231,000 | $10,005,000 | $118,000 | $2,448,000 |
| Cash-out Refinancing | 330 | $52,360,000 | $158,000 | $2,005,000 | $91,000 | $809,000 |
| Refinancing | 211 | $66,945,000 | $317,000 | $13,165,000 | $91,000 | $495,000 |
| Other Purpose | 155 | $18,745,000 | $120,000 | $3,005,000 | $123,000 | $1,500,000 |
| Home Improvement | 143 | $19,985,000 | $139,000 | $10,005,000 | $98,000 | $498,000 |
| Not Applicable | 15 | $1,645,000 | $109,000 | $255,000 | $124,000 | $124,000 |
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 | 1,375 | $225,375,000 | $163,000 | $1,045,000 | $106,000 | $2,448,000 |
| Not Provided | 189 | $43,715,000 | $231,000 | $13,165,000 | $105,000 | $809,000 |
| Not applicable | 108 | $86,630,000 | $802,000 | $11,605,000 | $107,000 | $223,000 |
| Asian | 79 | $19,055,000 | $241,000 | $525,000 | $132,000 | $495,000 |
| Hispanic | 41 | $6,655,000 | $162,000 | $495,000 | $132,000 | $1,130,000 |
| Black or African American | 36 | $5,150,000 | $143,000 | $425,000 | $155,000 | $2,129,000 |
| American Indian or Alaskan Native | 2 | $330,000 | $165,000 | $305,000 | $68,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $143,000 | $143,000 |
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) | 1,637 | $353,655,000 | $216,000 | $13,165,000 | $113,000 | $2,448,000 |
| FHA-insured (Federal Housing Administration) | 136 | $21,010,000 | $154,000 | $335,000 | $62,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 66 | $13,800,000 | $209,000 | $495,000 | $85,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $865,000 | $123,000 | $195,000 | $65,000 | $95,000 |
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 | 1,306 | $289,970,000 | $222,000 | $11,605,000 | $114,000 | $2,448,000 |
| Application Denied By Financial Institution | 235 | $30,315,000 | $129,000 | $805,000 | $77,000 | $661,000 |
| Application Withdrawn By Applicant | 127 | $26,125,000 | $205,000 | $2,005,000 | $115,000 | $1,130,000 |
| Loan Purchased By The Institution | 90 | $16,320,000 | $181,000 | $415,000 | $112,000 | $458,000 |
| Application Approved But Not Accepted | 64 | $22,750,000 | $355,000 | $13,165,000 | $114,000 | $498,000 |
| File Closed For Incompleteness | 24 | $3,850,000 | $160,000 | $455,000 | $100,000 | $492,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,605 | $355,705,000 | $221,000 | $13,165,000 | $114,000 | $2,448,000 |
| Debt-To-Income Ratio | 75 | $12,285,000 | $163,000 | $1,845,000 | $65,000 | $661,000 |
| Collateral | 57 | $6,175,000 | $108,000 | $285,000 | $80,000 | $212,000 |
| Credit History | 50 | $4,490,000 | $89,000 | $355,000 | $71,000 | $286,000 |
| Credit Application Incomplete | 24 | $5,320,000 | $221,000 | $455,000 | $119,000 | $298,000 |
| Other | 16 | $2,150,000 | $134,000 | $455,000 | $79,000 | $310,000 |
| Unverifiable Information | 12 | $1,640,000 | $136,000 | $425,000 | $84,000 | $200,000 |
| Employment History | 4 | $880,000 | $220,000 | $405,000 | $167,000 | $390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $685,000 | $228,000 | $305,000 | $81,000 | $102,000 |
| 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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