Kiryas Joel-Poughkeepsie-Newburgh, NY Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 20,852 mortgage applications in Kiryas Joel-Poughkeepsie-Newburgh, NY metro area totaling $6.2 billion. The average application was for $297,095, and applicants reported an average income of $165,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Hudson Valley Credit Union, with 3,585 applications, followed by United Wholesale Mortgage and Citizens Bank, NA.
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| Years | 2025 2024 |
| Total Number of Mortgage Applications | 20,852 |
| Total Mortgage Loan Application Amount | $6,195,025,000 |
| Average Mortgage Loan Application Amount | $297,095 |
| Highest Mortgage Loan Application Amount | $49,065,000 |
| Average Applicant Income | $165,000 |
| Highest Applicant Income | $9,059,000 |
Top Mortgage Lenders in Kiryas Joel-Poughkeepsie-Newburgh, NY Metro Area (2024)
Ranked by the number of mortgage applications each lender reported in Kiryas Joel-Poughkeepsie-Newburgh, NY metro area in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Hudson Valley Credit Union Poughkeepsie, NY |
3,585 | $515,365,000 | $143,000 | $141,000 |
| 2 | United Wholesale Mortgage Plymouth, MI |
1,058 | $407,610,000 | $385,000 | $213,000 |
| 3 | Citizens Bank, NA Providence, RI |
823 | $180,495,000 | $219,000 | $157,000 |
| 4 | Discover Bank Greenwood, DE |
703 | $68,115,000 | $96,000 | $144,000 |
| 5 | Crosscountry Mortgage, LLC Cleveland, OH |
617 | $236,685,000 | $383,000 | $162,000 |
| 6 | Newrez LLC Fort Washington, PA |
557 | $181,555,000 | $325,000 | $147,000 |
| 7 | M&T Bank Buffalo, NY |
544 | $104,910,000 | $192,000 | $145,000 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
542 | $193,000,000 | $356,000 | $188,000 |
| 9 | Bank of America NA Westlake Village, CA |
473 | $88,405,000 | $186,000 | $161,000 |
| 10 | Mid-Hudson Valley Federal C.U. Kingston, NY |
454 | $78,320,000 | $172,000 | $136,000 |
See every lender active in Kiryas Joel-Poughkeepsie-Newburgh, NY metro area in 2024 »
The tables below break down 2024 mortgage applications in Kiryas Joel-Poughkeepsie-Newburgh, 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 Kiryas Joel-Poughkeepsie-Newburgh, NY in 2024
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 | 9,551 | $3,760,095,000 | $393,000 | $12,225,000 | $174,000 | $7,200,000 |
| Home Improvement | 3,594 | $435,120,000 | $121,000 | $7,295,000 | $147,000 | $2,800,000 |
| Cash-out Refinancing | 2,933 | $886,575,000 | $302,000 | $17,905,000 | $162,000 | $4,326,000 |
| Other Purpose | 2,758 | $384,640,000 | $139,000 | $5,105,000 | $151,000 | $8,861,000 |
| Refinancing | 1,981 | $720,500,000 | $363,000 | $49,065,000 | $185,000 | $9,059,000 |
| Not Applicable | 35 | $8,095,000 | $231,000 | $1,565,000 | $533,000 | $1,066,000 |
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 | 10,313 | $2,847,065,000 | $276,000 | $3,525,000 | $183,000 | $9,059,000 |
| Hispanic | 3,247 | $790,575,000 | $243,000 | $1,595,000 | $129,000 | $2,000,000 |
| Not Provided | 3,004 | $805,660,000 | $268,000 | $5,105,000 | $159,000 | $5,000,000 |
| Black or African American | 1,864 | $469,050,000 | $251,000 | $1,205,000 | $129,000 | $1,185,000 |
| Not applicable | 1,608 | $1,039,535,000 | $646,000 | $49,065,000 | $159,000 | $525,000 |
| Asian | 714 | $223,480,000 | $312,000 | $2,805,000 | $194,000 | $5,129,000 |
| American Indian or Alaskan Native | 81 | $15,675,000 | $193,000 | $675,000 | $122,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $3,755,000 | $197,000 | $485,000 | $135,000 | $416,000 |
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) | 18,467 | $5,313,520,000 | $287,000 | $49,065,000 | $170,000 | $9,059,000 |
| FHA-insured (Federal Housing Administration) | 1,809 | $634,835,000 | $350,000 | $795,000 | $117,000 | $460,000 |
| VA-guaranteed (Veterans Administration) | 564 | $243,610,000 | $431,000 | $1,995,000 | $138,000 | $536,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $3,060,000 | $255,000 | $455,000 | $97,000 | $115,000 |
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 | 11,449 | $3,563,685,000 | $311,000 | $19,595,000 | $175,000 | $8,861,000 |
| Application Denied By Financial Institution | 4,346 | $921,965,000 | $212,000 | $7,295,000 | $129,000 | $6,628,000 |
| Application Withdrawn By Applicant | 2,014 | $812,420,000 | $403,000 | $49,065,000 | $184,000 | $9,059,000 |
| Loan Purchased By The Institution | 1,186 | $456,950,000 | $385,000 | $2,445,000 | $161,000 | $3,683,000 |
| Application Approved But Not Accepted | 965 | $204,965,000 | $212,000 | $9,255,000 | $150,000 | $2,215,000 |
| File Closed For Incompleteness | 859 | $221,635,000 | $258,000 | $3,125,000 | $186,000 | $7,200,000 |
| Preapproval Approved but not Accepted | 31 | $12,955,000 | $417,000 | $1,425,000 | $168,000 | $957,000 |
| Preapproval Denied by Financial Institution | 2 | $450,000 | $225,000 | $335,000 | $83,000 | $120,000 |
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 | 16,391 | $5,200,915,000 | $317,000 | $49,065,000 | $174,000 | $9,059,000 |
| Debt-To-Income Ratio | 1,795 | $425,585,000 | $237,000 | $6,595,000 | $101,000 | $5,000,000 |
| Credit History | 1,111 | $164,435,000 | $148,000 | $5,505,000 | $134,000 | $2,985,000 |
| Collateral | 688 | $177,510,000 | $258,000 | $4,255,000 | $180,000 | $6,628,000 |
| Other | 382 | $90,575,000 | $237,000 | $7,295,000 | $171,000 | $3,051,000 |
| Credit Application Incomplete | 283 | $75,485,000 | $266,000 | $2,235,000 | $164,000 | $2,517,000 |
| Unverifiable Information | 94 | $27,060,000 | $287,000 | $1,525,000 | $171,000 | $2,030,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 66 | $21,460,000 | $325,000 | $715,000 | $113,000 | $395,000 |
| Employment History | 42 | $12,000,000 | $285,000 | $2,005,000 | $88,000 | $335,000 |
| 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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