Cliffco, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Cliffco, Inc. of Uniondale, NY reported 1,803 mortgage applications totaling $1.0 billion, up 11% from 2024. The average application was for $570,174, and applicants reported an average income of $256,290. 67% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Nassau County-Suffolk County, NY (681), New York-Jersey City-White Plains, NY-NJ (529) and Orlando-Kissimmee-Sanford, FL (67) (applications in parentheses).

Mortgage Company & Address Cliffco, Inc.
1065 Old Country Road Suite 204
Uniondale, NY 11553
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 1,803
Total Mortgage Loan Application Amount $1,028,025,000
Average Mortgage Loan Application Amount $570,174
Highest Mortgage Loan Application Amount $6,505,000
Average Applicant Income $256,290
Highest Applicant Income $8,888,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cliffco, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Cliffco, Inc. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 353 $ 192,345,000 $ 544,886 $ 223,000
Nassau, New York 328 $ 201,310,000 $ 613,750 $ 272,000
Queens, New York 208 $ 125,640,000 $ 604,038 $ 241,000
Kings, New York 106 $ 90,550,000 $ 854,245 $ 235,000
New York, New York 72 $ 57,470,000 $ 798,194 $ 578,000
Bronx, New York 35 $ 19,465,000 $ 556,142 $ 156,000
Westchester, New York 33 $ 21,135,000 $ 640,454 $ 323,000
Essex, New Jersey 31 $ 22,535,000 $ 726,935 $ 139,000
Orange, Florida 30 $ 10,170,000 $ 339,000 $ 113,000
Richmond, New York 30 $ 18,450,000 $ 615,000 $ 188,000
Maricopa, Arizona 29 $ 10,515,000 $ 362,586 $ 122,000
Monmouth, New Jersey 25 $ 26,695,000 $ 1,067,800 $ 1,206,000
Osceola, Florida 23 $ 7,865,000 $ 341,956 $ 116,000
Polk, Florida 20 $ 5,120,000 $ 256,000 $ 86,000
Bergen, New Jersey 16 $ 16,280,000 $ 1,017,500 $ 723,000
Taylor, Texas 16 $ 4,080,000 $ 255,000 $ 93,000
Cook, Illinois 13 $ 14,725,000 $ 1,132,692 $ 0
Hudson, New Jersey 13 $ 5,165,000 $ 397,307 $ 130,000
Orange, New York 13 $ 5,775,000 $ 444,230 $ 125,000
Palm Beach, Florida 11 $ 7,575,000 $ 688,636 $ 432,000
Middlesex, New Jersey 11 $ 5,135,000 $ 466,818 $ 125,000
Fulton, Georgia 9 $ 2,465,000 $ 273,888 $ 391,000
Ulster, New York 9 $ 2,385,000 $ 265,000 $ 59,000
Naugatuck Valley Planning Region, Connecticut 8 $ 2,620,000 $ 327,500 $ 109,000
Lake, Florida 8 $ 2,550,000 $ 318,750 $ 90,000
Pinellas, Florida 8 $ 3,090,000 $ 386,250 $ 40,000
Union, New Jersey 8 $ 3,820,000 $ 477,500 $ 119,000
Rockland, New York 8 $ 4,970,000 $ 621,250 $ 125,000
Greater Bridgeport Planning Region, Connecticut 7 $ 3,755,000 $ 536,428 $ 238,000
Broward, Florida 7 $ 3,045,000 $ 435,000 $ 204,000
Marion, Florida 7 $ 1,585,000 $ 226,428 $ 73,000
Monroe, Pennsylvania 7 $ 2,095,000 $ 299,285 $ 239,000
South Central Connecticut Planning Region, Connecticut 6 $ 2,490,000 $ 415,000 $ 89,000
Seminole, Florida 6 $ 2,000,000 $ 333,333 $ 103,000
St. Lucie, Florida 6 $ 1,470,000 $ 245,000 $ 103,000
Volusia, Florida 6 $ 1,260,000 $ 210,000 $ 94,000
Morris, New Jersey 6 $ 2,350,000 $ 391,666 $ 501,000
Dutchess, New York 6 $ 2,570,000 $ 428,333 $ 244,000
Philadelphia, Pennsylvania 6 $ 1,050,000 $ 175,000 $ 96,000
Dallas, Texas 6 $ 2,790,000 $ 465,000 $ 294,000
Park, Colorado 5 $ 2,555,000 $ 511,000 $ 241,000
Capitol Planning Region, Connecticut 5 $ 1,765,000 $ 353,000 $ 88,000
Western Connecticut Planning Region, Connecticut 5 $ 6,645,000 $ 1,329,000 $ 218,000
Hillsborough, Florida 5 $ 1,835,000 $ 367,000 $ 154,000
Miami-Dade, Florida 5 $ 2,505,000 $ 501,000 $ 390,000
Passaic, New Jersey 5 $ 2,685,000 $ 537,000 $ 175,000
Broome, New York 5 $ 1,055,000 $ 211,000 $ 47,000
Erie, New York 5 $ 1,165,000 $ 233,000 $ 90,000
Onondaga, New York 5 $ 835,000 $ 167,000 $ 36,000
Saratoga, New York 5 $ 865,000 $ 173,000 $ 16,000
Pike, Pennsylvania 5 $ 1,165,000 $ 233,000 $ 56,000
Somerset, New Jersey 4 $ 2,030,000 $ 507,500 $ 143,000
Sussex, New Jersey 4 $ 2,010,000 $ 502,500 $ 193,000
Albany, New York 4 $ 840,000 $ 210,000 $ 1,000
Sullivan, New York 4 $ 6,090,000 $ 1,522,500 $ 1,197,000
Mecklenburg, North Carolina 4 $ 2,820,000 $ 705,000 $ 848,000
Allegheny, Pennsylvania 4 $ 910,000 $ 227,500 $ 80,000
Montgomery, Pennsylvania 4 $ 2,410,000 $ 602,500 $ 1,478,000
Coconino, Arizona 3 $ 2,575,000 $ 858,333 $ 593,000
Brevard, Florida 3 $ 1,125,000 $ 375,000 $ 284,000
Manatee, Florida 3 $ 2,215,000 $ 738,333 $ 488,000
Hunterdon, New Jersey 3 $ 3,095,000 $ 1,031,666 $ 565,000
Ocean, New Jersey 3 $ 1,045,000 $ 348,333 $ 145,000
Greene, New York 3 $ 1,555,000 $ 518,333 $ 229,000
Putnam, New York 3 $ 1,715,000 $ 571,666 $ 133,000
Butler, Ohio 3 $ 535,000 $ 178,333 $ 230,000
Berks, Pennsylvania 3 $ 555,000 $ 185,000 $ 448,000
Chester, Pennsylvania 3 $ 1,525,000 $ 508,333 $ 208,000
Denton, Texas 3 $ 1,325,000 $ 441,666 $ 180,000
Williamson, Texas 3 $ 965,000 $ 321,666 $ 91,000
Los Angeles, California 2 $ 2,690,000 $ 1,345,000 $ 300,000
San Bernardino, California 2 $ 560,000 $ 280,000 $ 0
Jefferson, Colorado 2 $ 1,240,000 $ 620,000 $ 478,000
Sussex, Delaware 2 $ 270,000 $ 135,000 $ 114,000
Clay, Florida 2 $ 600,000 $ 300,000 $ 120,000
Collier, Florida 2 $ 2,470,000 $ 1,235,000 $ 457,000
Duval, Florida 2 $ 310,000 $ 155,000 $ 51,000
Hernando, Florida 2 $ 470,000 $ 235,000 $ 64,000
Martin, Florida 2 $ 510,000 $ 255,000 $ 1,394,000
Pasco, Florida 2 $ 450,000 $ 225,000 $ 71,000
Walton, Florida 2 $ 1,330,000 $ 665,000 $ 328,000
Baltimore City, Maryland 2 $ 620,000 $ 310,000 $ 78,000
Burlington, New Jersey 2 $ 580,000 $ 290,000 $ 169,000
Camden, New Jersey 2 $ 1,230,000 $ 615,000 $ 198,000
Gloucester, New Jersey 2 $ 840,000 $ 420,000 $ 73,000
Mercer, New Jersey 2 $ 650,000 $ 325,000 $ 94,000
Columbia, New York 2 $ 650,000 $ 325,000 $ 306,000
Delaware, New York 2 $ 1,100,000 $ 550,000 $ 208,000
Oneida, New York 2 $ 550,000 $ 275,000 $ 88,000
Rensselaer, New York 2 $ 620,000 $ 310,000 $ 130,000
Warren, Ohio 2 $ 480,000 $ 240,000 $ 216,000
Carbon, Pennsylvania 2 $ 560,000 $ 280,000 $ 150,000
Greenville, South Carolina 2 $ 340,000 $ 170,000 $ 89,000
Horry, South Carolina 2 $ 660,000 $ 330,000 $ 207,000
Richland, South Carolina 2 $ 330,000 $ 165,000 $ 126,000
Harris, Texas 2 $ 690,000 $ 345,000 $ 169,000
Tarrant, Texas 2 $ 500,000 $ 250,000 $ 366,000
Travis, Texas 2 $ 920,000 $ 460,000 $ 177,000
Calhoun, Alabama 1 $ 215,000 $ 215,000 $ 130,000
Jefferson, Alabama 1 $ 85,000 $ 85,000 $ 0
Tuscaloosa, Alabama 1 $ 965,000 $ 965,000 $ 492,000
Mohave, Arizona 1 $ 215,000 $ 215,000 $ 62,000
Pinal, Arizona 1 $ 285,000 $ 285,000 $ 57,000
Kern, California 1 $ 405,000 $ 405,000 $ 391,000
Orange, California 1 $ 1,215,000 $ 1,215,000 $ 578,000
Adams, Colorado 1 $ 485,000 $ 485,000 $ 267,000
Arapahoe, Colorado 1 $ 765,000 $ 765,000 $ 298,000
Lower Connecticut River Valley Planning Region, Connecticut 1 $ 365,000 $ 365,000 $ 95,000
Northwest Hills Planning Region, Connecticut 1 $ 415,000 $ 415,000 $ 174,000
New Castle, Delaware 1 $ 795,000 $ 795,000 $ 355,000
Charlotte, Florida 1 $ 5,000 $ 5,000 $ 0
Citrus, Florida 1 $ 205,000 $ 205,000 $ 74,000
Indian River, Florida 1 $ 305,000 $ 305,000 $ 198,000
Lee, Florida 1 $ 295,000 $ 295,000 $ 62,000
Sarasota, Florida 1 $ 645,000 $ 645,000 $ 970,000
Chatham, Georgia 1 $ 205,000 $ 205,000 $ 54,000
DeKalb, Georgia 1 $ 195,000 $ 195,000 $ 190,000
Gwinnett, Georgia 1 $ 565,000 $ 565,000 $ 134,000
Newton, Georgia 1 $ 225,000 $ 225,000 $ 45,000
Paulding, Georgia 1 $ 335,000 $ 335,000 $ 84,000
Marion, Indiana 1 $ 265,000 $ 265,000 $ 121,000
Sedgwick, Kansas 1 $ 135,000 $ 135,000 $ 0
Caddo, Louisiana 1 $ 455,000 $ 455,000 $ 738,000
Calvert, Maryland 1 $ 695,000 $ 695,000 $ 228,000
Harford, Maryland 1 $ 115,000 $ 115,000 $ 131,000
Howard, Maryland 1 $ 715,000 $ 715,000 $ 287,000
Prince George's, Maryland 1 $ 495,000 $ 495,000 $ 197,000
Worcester, Maryland 1 $ 805,000 $ 805,000 $ 228,000
Grand Traverse, Michigan 1 $ 805,000 $ 805,000 $ 998,000
Hennepin, Minnesota 1 $ 505,000 $ 505,000 $ 413,000
Scott, Minnesota 1 $ 745,000 $ 745,000 $ 734,000
Cape May, New Jersey 1 $ 235,000 $ 235,000 $ 180,000
Chautauqua, New York 1 $ 295,000 $ 295,000 $ 143,000
Essex, New York 1 $ 245,000 $ 245,000 $ 120,000
Fulton, New York 1 $ 225,000 $ 225,000 $ 80,000
Monroe, New York 1 $ 95,000 $ 95,000 $ 52,000
Montgomery, New York 1 $ 315,000 $ 315,000 $ 102,000
Oswego, New York 1 $ 105,000 $ 105,000 $ 57,000
Schenectady, New York 1 $ 175,000 $ 175,000 $ 0
Schoharie, New York 1 $ 205,000 $ 205,000 $ 73,000
Steuben, New York 1 $ 345,000 $ 345,000 $ 181,000
Washington, New York 1 $ 735,000 $ 735,000 $ 0
Brunswick, North Carolina 1 $ 5,000 $ 5,000 $ 0
Buncombe, North Carolina 1 $ 785,000 $ 785,000 $ 385,000
Cabarrus, North Carolina 1 $ 385,000 $ 385,000 $ 97,000
Catawba, North Carolina 1 $ 325,000 $ 325,000 $ 0
Currituck, North Carolina 1 $ 775,000 $ 775,000 $ 220,000
Transylvania, North Carolina 1 $ 385,000 $ 385,000 $ 0
Union, North Carolina 1 $ 335,000 $ 335,000 $ 91,000
Cuyahoga, Ohio 1 $ 705,000 $ 705,000 $ 0
Franklin, Ohio 1 $ 355,000 $ 355,000 $ 742,000
Hocking, Ohio 1 $ 795,000 $ 795,000 $ 550,000
Delaware, Pennsylvania 1 $ 515,000 $ 515,000 $ 117,000
Lackawanna, Pennsylvania 1 $ 145,000 $ 145,000 $ 0
Lebanon, Pennsylvania 1 $ 115,000 $ 115,000 $ 42,000
Tioga, Pennsylvania 1 $ 385,000 $ 385,000 $ 241,000
Wayne, Pennsylvania 1 $ 195,000 $ 195,000 $ 124,000
Abbeville, South Carolina 1 $ 295,000 $ 295,000 $ 59,000
Charleston, South Carolina 1 $ 265,000 $ 265,000 $ 0
Georgetown, South Carolina 1 $ 535,000 $ 535,000 $ 265,000
York, South Carolina 1 $ 425,000 $ 425,000 $ 112,000
Blount, Tennessee 1 $ 755,000 $ 755,000 $ 753,000
Davidson, Tennessee 1 $ 155,000 $ 155,000 $ 80,000
Rutherford, Tennessee 1 $ 255,000 $ 255,000 $ 116,000
Bexar, Texas 1 $ 235,000 $ 235,000 $ 121,000
Collin, Texas 1 $ 625,000 $ 625,000 $ 237,000
Comal, Texas 1 $ 405,000 $ 405,000 $ 72,000
Coryell, Texas 1 $ 125,000 $ 125,000 $ 0
Waller, Texas 1 $ 575,000 $ 575,000 $ 151,000
Windham, Vermont 1 $ 445,000 $ 445,000 $ 281,000
Fairfax, Virginia 1 $ 425,000 $ 425,000 $ 0
Shenandoah, Virginia 1 $ 555,000 $ 555,000 $ 243,000
Virginia Beach, Virginia 1 $ 305,000 $ 305,000 $ 147,000
York, Virginia 1 $ 115,000 $ 115,000 $ 51,000
Spokane, Washington 1 $ 425,000 $ 425,000 $ 108,000
Milwaukee, Wisconsin 1 $ 5,000 $ 5,000 $ 0

Mortgage Loan Application Detail Totals for Cliffco, Inc. 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 1,371 $739,405,000 $539,000 $3,935,000 $236,000 $6,430,000
Cash-out Refinancing 356 $237,850,000 $668,000 $6,505,000 $352,000 $8,888,000
Refinancing 76 $50,770,000 $668,000 $3,005,000 $174,000 $1,684,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

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 703 $438,775,000 $624,000 $4,955,000 $335,000 $6,430,000
Not Provided 332 $190,000,000 $572,000 $6,505,000 $270,000 $8,888,000
Asian 292 $167,490,000 $573,000 $3,005,000 $220,000 $6,076,000
Hispanic 267 $122,385,000 $458,000 $1,935,000 $154,000 $1,881,000
Black or African American 197 $105,015,000 $533,000 $1,695,000 $153,000 $1,200,000
American Indian or Alaskan Native 11 $4,075,000 $370,000 $1,325,000 $60,000 $135,000
Native Hawaiian or Other Pacific Islander 1 $285,000 $285,000 $285,000 $0 $0
Not applicable 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) 1,496 $872,260,000 $583,000 $6,505,000 $279,000 $8,888,000
FHA-insured (Federal Housing Administration) 272 $138,850,000 $510,000 $1,825,000 $141,000 $802,000
VA-guaranteed (Veterans Administration) 35 $16,915,000 $483,000 $1,055,000 $144,000 $363,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 1,200 $675,240,000 $562,000 $3,005,000 $263,000 $8,888,000
Application Withdrawn By Applicant 422 $251,380,000 $595,000 $4,955,000 $246,000 $4,751,000
Application Denied By Financial Institution 102 $53,790,000 $527,000 $6,505,000 $214,000 $7,000,000
File Closed For Incompleteness 77 $46,785,000 $607,000 $2,805,000 $257,000 $2,396,000
Application Approved But Not Accepted 2 $830,000 $415,000 $625,000 $298,000 $400,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 1,701 $974,235,000 $572,000 $4,955,000 $258,000 $8,888,000
Other 26 $12,210,000 $469,000 $1,825,000 $169,000 $1,200,000
Debt-To-Income Ratio 26 $11,510,000 $442,000 $1,005,000 $108,000 $217,000
Collateral 18 $7,120,000 $395,000 $855,000 $171,000 $772,000
Employment History 10 $6,220,000 $622,000 $995,000 $167,000 $334,000
Credit History 10 $11,830,000 $1,183,000 $6,505,000 $837,000 $7,000,000
Unverifiable Information 8 $2,260,000 $282,000 $635,000 $109,000 $197,000
Insufficient Cash (Downpayment, Closing Cost) 4 $2,640,000 $660,000 $965,000 $166,000 $269,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cliffco, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Cliffco, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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