Jefferson County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 3,386 mortgage applications in Jefferson County, NY totaling $675.4 million, up 12% from 2024. The average application was for $199,000, and applicants reported an average income of $115,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Northern Credit Union, with 493 applications, followed by Movement Mortgage, LLC 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 | 3,386 |
| Total Mortgage Loan Application Amount | $675,440,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $59,505,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $4,200,000 |
* 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 |
|---|---|---|---|---|
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 493 | $ 48,255,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 291 | $ 65,725,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 263 | $ 36,945,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 221 | $ 29,055,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 202 | $ 49,330,000 |
| Watertown Savings Bank 111 CLINTON ST WATERTOWN, NY 13601 |
* | $ n/a | 174 | $ 32,950,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 137 | $ 36,565,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ n/a | 127 | $ 21,005,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 123 | $ 24,425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 83 | $ 18,815,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 68 | $ 15,130,000 |
| Gouverneur Savings & Loan 42 CHURCH STREET GOUVERNEUR, NY 13642 |
* | $ n/a | 66 | $ 11,270,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 64 | $ 14,940,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 49 | $ 12,865,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 49 | $ 9,575,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 44 | $ 7,400,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 43 | $ 10,345,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 43 | $ 6,945,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 40 | $ 8,970,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 39 | $ 10,145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 37 | $ 4,765,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 32 | $ 6,340,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 30 | $ 3,270,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 29 | $ 8,545,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 28 | $ 6,090,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 26 | $ 3,910,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 23 | $ 2,045,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 20 | $ 4,480,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 18 | $ 2,580,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 17 | $ 1,585,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 2,120,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 14 | $ 3,200,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 12 | $ 3,360,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 12 | $ 1,000,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 10 | $ 2,390,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 10 | $ 2,500,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 10 | $ 2,340,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 10 | $ 650,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 10 | $ 2,450,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 9 | $ 435,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 9 | $ 2,295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 1,105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 8 | $ 1,180,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 8 | $ 1,760,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 7 | $ 1,295,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,180,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 5 | $ 785,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 625,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 5 | $ 1,245,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 5 | $ 1,435,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 5 | $ 1,985,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 5 | $ 1,015,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 5 | $ 215,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 5 | $ 1,545,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 5 | $ 1,495,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 1,135,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 4 | $ 1,080,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 930,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 4 | $ 440,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 4 | $ 480,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 4 | $ 1,070,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 165,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ n/a | 3 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 605,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 3 | $ 915,000 |
| Clearedge Lending LLC 20 ENTERPRISE SUITE 350 ALISO VIEJO, CA 92656 |
* | $ n/a | 3 | $ 345,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 3 | $ 1,115,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ n/a | 3 | $ 485,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 3 | $ 515,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 3 | $ 1,005,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 3 | $ 465,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 3 | $ 465,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 3 | $ 335,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 205,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 3 | $ 305,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD NEW HARTFORD, NY 13413 |
* | $ n/a | 3 | $ 1,045,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 3 | $ 515,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 350,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 130,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 80,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 2 | $ 320,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 100,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 330,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ n/a | 2 | $ 1,940,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 2 | $ 220,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 540,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 550,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 530,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 2,350,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 2 | $ 1,040,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ n/a | 2 | $ 590,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ n/a | 2 | $ 70,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 2 | $ 240,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 2 | $ 710,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 780,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 115,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 145,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 105,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ n/a | 1 | $ 195,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 1 | $ 185,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 185,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 475,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 155,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 95,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ n/a | 1 | $ 45,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 105,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 295,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 35,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 145,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 175,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 1,505,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 215,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 205,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 515,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 305,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ n/a | 1 | $ 265,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 275,000 |
| Conventus Lending LLC 111 POTRERO AVE SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 285,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 175,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 555,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 25,000 |
| Abl Rpc Residential Credit Acquisition LLC 30 MONTGOMERY ST STE 150 JERSEY CITY, NJ 07302 |
* | $ n/a | 1 | $ 95,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 35,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 335,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ n/a | 1 | $ 165,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ n/a | 1 | $ 195,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 55,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 1 | $ 125,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 155,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ n/a | 1 | $ 59,505,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 785,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 165,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 145,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 295,000 |
The tables below break down 2025 mortgage applications in Jefferson 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 Jefferson County, NY in 2025
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 | 1,911 | $435,775,000 | $228,000 | $1,205,000 | $120,000 | $4,200,000 |
| Home Improvement | 416 | $31,210,000 | $75,000 | $635,000 | $119,000 | $1,650,000 |
| Cash-out Refinancing | 378 | $129,080,000 | $341,000 | $59,505,000 | $100,000 | $1,238,000 |
| Other Purpose | 340 | $27,500,000 | $80,000 | $1,505,000 | $108,000 | $764,000 |
| Refinancing | 329 | $50,525,000 | $153,000 | $785,000 | $112,000 | $3,408,000 |
| Not Applicable | 12 | $1,350,000 | $112,000 | $345,000 | $49,000 | $49,000 |
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 | 2,349 | $399,615,000 | $170,000 | $1,505,000 | $118,000 | $4,200,000 |
| Not applicable | 399 | $147,975,000 | $370,000 | $59,505,000 | $94,000 | $182,000 |
| Not Provided | 247 | $46,845,000 | $189,000 | $845,000 | $120,000 | $896,000 |
| Hispanic | 176 | $38,960,000 | $221,000 | $495,000 | $103,000 | $303,000 |
| Black or African American | 119 | $23,735,000 | $199,000 | $805,000 | $99,000 | $425,000 |
| Asian | 64 | $11,260,000 | $175,000 | $405,000 | $101,000 | $415,000 |
| American Indian or Alaskan Native | 24 | $5,850,000 | $243,000 | $445,000 | $101,000 | $208,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,200,000 | $150,000 | $295,000 | $79,000 | $124,000 |
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) | 2,096 | $361,620,000 | $172,000 | $59,505,000 | $124,000 | $4,200,000 |
| VA-guaranteed (Veterans Administration) | 1,007 | $262,785,000 | $260,000 | $685,000 | $105,000 | $442,000 |
| FHA-insured (Federal Housing Administration) | 267 | $48,485,000 | $181,000 | $465,000 | $83,000 | $311,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,550,000 | $159,000 | $245,000 | $69,000 | $121,000 |
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 | 1,984 | $426,360,000 | $214,000 | $59,505,000 | $117,000 | $1,638,000 |
| Application Denied By Financial Institution | 528 | $69,760,000 | $132,000 | $1,505,000 | $94,000 | $1,650,000 |
| Loan Purchased By The Institution | 335 | $76,185,000 | $227,000 | $795,000 | $96,000 | $321,000 |
| Application Withdrawn By Applicant | 327 | $67,825,000 | $207,000 | $755,000 | $147,000 | $4,200,000 |
| Application Approved But Not Accepted | 122 | $18,510,000 | $151,000 | $475,000 | $91,000 | $313,000 |
| File Closed For Incompleteness | 87 | $16,025,000 | $184,000 | $805,000 | $136,000 | $601,000 |
| Preapproval Approved but not Accepted | 3 | $775,000 | $258,000 | $395,000 | $125,000 | $153,000 |
| 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 | 2,849 | $602,695,000 | $211,000 | $59,505,000 | $120,000 | $4,200,000 |
| Credit History | 174 | $20,000,000 | $114,000 | $435,000 | $101,000 | $1,650,000 |
| Debt-To-Income Ratio | 132 | $18,780,000 | $142,000 | $1,505,000 | $74,000 | $322,000 |
| Collateral | 100 | $12,980,000 | $129,000 | $685,000 | $97,000 | $621,000 |
| Other | 67 | $9,695,000 | $144,000 | $745,000 | $94,000 | $430,000 |
| Credit Application Incomplete | 29 | $5,525,000 | $190,000 | $415,000 | $102,000 | $225,000 |
| Unverifiable Information | 17 | $2,665,000 | $156,000 | $555,000 | $95,000 | $349,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,615,000 | $201,000 | $845,000 | $198,000 | $1,251,000 |
| Employment History | 5 | $485,000 | $97,000 | $235,000 | $50,000 | $56,000 |
| 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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