Visions Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Visions Federal Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Visions Federal Credit Union 3301 Country Club Road Endwell, NY 13760 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 3,267 |
| Total Mortgage Loan Application Amount | $421,305,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $2,865,000 |
| Average Applicant Income | $105,400 |
| Highest Applicant Income | $2,124,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Visions Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Visions Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Visions Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Visions Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Visions Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Visions Federal Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Broome County New York | 1,143 | $ 122,245,000 | $ 106,000 | $ 91,000 |
| Bergen County New Jersey | 343 | $ 67,985,000 | $ 198,000 | $ 146,000 |
| Tioga County New York | 268 | $ 26,060,000 | $ 97,000 | $ 91,000 |
| Onondaga County New York | 196 | $ 29,930,000 | $ 152,000 | $ 119,000 |
| Berks County Pennsylvania | 141 | $ 13,155,000 | $ 93,000 | $ 90,000 |
| Morris County New Jersey | 123 | $ 20,515,000 | $ 166,000 | $ 144,000 |
| Chemung County New York | 119 | $ 10,245,000 | $ 86,000 | $ 84,000 |
| Sussex County New Jersey | 99 | $ 12,875,000 | $ 130,000 | $ 117,000 |
| Passaic County New Jersey | 84 | $ 15,100,000 | $ 179,000 | $ 126,000 |
| Monroe County New York | 78 | $ 11,900,000 | $ 152,000 | $ 121,000 |
| Bradford County Pennsylvania | 73 | $ 7,295,000 | $ 99,000 | $ 73,000 |
| Chenango County New York | 67 | $ 6,525,000 | $ 97,000 | $ 77,000 |
| Susquehanna County Pennsylvania | 66 | $ 6,890,000 | $ 104,000 | $ 81,000 |
| Essex County New Jersey | 44 | $ 7,980,000 | $ 181,000 | $ 159,000 |
| Schuyler County New York | 43 | $ 4,575,000 | $ 106,000 | $ 83,000 |
| Warren County New Jersey | 40 | $ 4,570,000 | $ 114,000 | $ 101,000 |
| Tompkins County New York | 36 | $ 7,340,000 | $ 203,000 | $ 106,000 |
| Orange County New York | 22 | $ 3,320,000 | $ 150,000 | $ 137,000 |
| Oswego County New York | 18 | $ 1,640,000 | $ 91,000 | $ 75,000 |
| Hudson County New Jersey | 17 | $ 4,835,000 | $ 284,000 | $ 141,000 |
| Delaware County New York | 16 | $ 2,540,000 | $ 158,000 | $ 83,000 |
| Rockland County New York | 16 | $ 2,690,000 | $ 168,000 | $ 146,000 |
| Steuben County New York | 15 | $ 1,575,000 | $ 105,000 | $ 90,000 |
| Madison County New York | 13 | $ 2,855,000 | $ 219,000 | $ 176,000 |
| Northampton County Pennsylvania | 11 | $ 995,000 | $ 90,000 | $ 83,000 |
| Hunterdon County New Jersey | 10 | $ 1,670,000 | $ 167,000 | $ 144,000 |
| Monmouth County New Jersey | 10 | $ 2,720,000 | $ 272,000 | $ 167,000 |
| Union County New Jersey | 10 | $ 1,680,000 | $ 168,000 | $ 108,000 |
| Otsego County New York | 10 | $ 960,000 | $ 96,000 | $ 71,000 |
| Seneca County New York | 10 | $ 1,450,000 | $ 145,000 | $ 131,000 |
| Cortland County New York | 9 | $ 905,000 | $ 100,000 | $ 81,000 |
| Lehigh County Pennsylvania | 9 | $ 845,000 | $ 93,000 | $ 77,000 |
| Ontario County New York | 8 | $ 2,100,000 | $ 262,000 | $ 131,000 |
| Middlesex County New Jersey | 7 | $ 845,000 | $ 120,000 | $ 109,000 |
| Westchester County New York | 7 | $ 2,015,000 | $ 287,000 | $ 262,000 |
| Pike County Pennsylvania | 6 | $ 530,000 | $ 88,000 | $ 65,000 |
| Somerset County New Jersey | 5 | $ 895,000 | $ 179,000 | $ 149,000 |
| Livingston County New York | 5 | $ 735,000 | $ 147,000 | $ 96,000 |
| Schuylkill County Pennsylvania | 5 | $ 215,000 | $ 43,000 | $ 151,000 |
| Cayuga County New York | 4 | $ 550,000 | $ 137,000 | $ 79,000 |
| Jefferson County New York | 4 | $ 590,000 | $ 147,000 | $ 140,000 |
| Yates County New York | 4 | $ 280,000 | $ 70,000 | $ 28,000 |
| Lancaster County Pennsylvania | 4 | $ 570,000 | $ 142,000 | $ 134,000 |
| Suffolk County New York | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Monroe County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 62,000 |
| Montgomery County Pennsylvania | 3 | $ 515,000 | $ 171,000 | $ 78,000 |
| Bucks County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 151,000 |
| Wyoming County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Washington County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Denver County Colorado | 1 | $ 105,000 | $ 105,000 | $ 263,000 |
| Charlotte County Florida | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 123,000 |
| Hernando County Florida | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Osceola County Florida | 1 | $ 925,000 | $ 925,000 | $ 240,000 |
| Pinellas County Florida | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Sarasota County Florida | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Hardin County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Montgomery County Maryland | 1 | $ 25,000 | $ 25,000 | $ 145,000 |
| Camden County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Mercer County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Ocean County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Taos County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Albany County New York | 1 | $ 105,000 | $ 105,000 | $ 288,000 |
| Bronx County New York | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Herkimer County New York | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Montgomery County New York | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Nassau County New York | 1 | $ 275,000 | $ 275,000 | $ 143,000 |
| Niagara County New York | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Oneida County New York | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Ulster County New York | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Wayne County New York | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Lincoln County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Marion County Oregon | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Chester County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Clinton County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Dauphin County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Lackawanna County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Lebanon County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Luzerne County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Lycoming County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 140,000 |
| Philadelphia County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| Wayne County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| York County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Visions Federal Credit Union in 2019
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 | 979 | $160,235,000 | $163,000 | $2,645,000 | $99,000 | $2,124,000 |
| Cash-out Refinancing | 762 | $114,990,000 | $150,000 | $1,205,000 | $112,000 | $490,000 |
| Home Improvement | 598 | $37,680,000 | $63,000 | $675,000 | $110,000 | $643,000 |
| Other Purpose | 579 | $39,935,000 | $68,000 | $505,000 | $101,000 | $624,000 |
| Refinancing | 349 | $68,465,000 | $196,000 | $2,865,000 | $105,000 | $390,000 |
| Not Applicable | 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 | 2,681 | $322,055,000 | $120,000 | $1,205,000 | $104,000 | $2,124,000 |
| Hispanic | 173 | $23,665,000 | $136,000 | $1,095,000 | $109,000 | $1,352,000 |
| Not Provided | 172 | $28,770,000 | $167,000 | $645,000 | $116,000 | $487,000 |
| Black or African American | 104 | $12,290,000 | $118,000 | $485,000 | $101,000 | $643,000 |
| Asian | 97 | $16,195,000 | $166,000 | $515,000 | $123,000 | $384,000 |
| Not applicable | 21 | $16,215,000 | $772,000 | $2,865,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $775,000 | $110,000 | $165,000 | $65,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $715,000 | $143,000 | $255,000 | $104,000 | $156,000 |
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) | 3,267 | $421,305,000 | $128,000 | $2,865,000 | $105,000 | $2,124,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,923 | $257,405,000 | $133,000 | $2,865,000 | $111,000 | $1,352,000 |
| Application Denied By Financial Institution | 584 | $64,820,000 | $110,000 | $1,205,000 | $88,000 | $588,000 |
| Application Withdrawn By Applicant | 525 | $70,085,000 | $133,000 | $925,000 | $99,000 | $900,000 |
| File Closed For Incompleteness | 149 | $18,005,000 | $120,000 | $515,000 | $117,000 | $2,124,000 |
| Application Approved But Not Accepted | 86 | $10,990,000 | $127,000 | $515,000 | $109,000 | $519,000 |
| 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 | 2,683 | $356,485,000 | $132,000 | $2,865,000 | $109,000 | $2,124,000 |
| Credit History | 232 | $21,440,000 | $92,000 | $605,000 | $94,000 | $588,000 |
| Debt-To-Income Ratio | 184 | $20,630,000 | $112,000 | $1,205,000 | $69,000 | $275,000 |
| Collateral | 106 | $16,400,000 | $154,000 | $675,000 | $104,000 | $414,000 |
| Mortgage Insurance Denied | 33 | $3,295,000 | $99,000 | $505,000 | $99,000 | $244,000 |
| Other | 20 | $2,310,000 | $115,000 | $475,000 | $112,000 | $316,000 |
| Employment History | 7 | $645,000 | $92,000 | $185,000 | $45,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $100,000 | $50,000 | $75,000 | $29,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Visions Federal Credit Union's 2019 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 Visions Federal Credit Union'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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.