Wallkill Valley Federal Savings & Loan Association Mortgage Lending & HMDA Data, 2013
In 2013, Wallkill Valley Federal Savings & Loan Association of Wallkill, NY reported 117 mortgage applications totaling $21.3 million, down 11% from 2012. The average application was for $181,683, and applicants reported an average income of $123,179. 68% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Poughkeepsie-Newburgh-Middletown, NY (56), Kingston, NY (55) and New York-White Plains-Wayne, NY-NJ (2) (applications in parentheses).
| Mortgage Company & Address | Wallkill Valley Federal Savings & Loan Association 23 Wallkill Avenue Wallkill, NY 12589 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 117 |
| Total Mortgage Loan Application Amount | $21,257,000 |
| Average Mortgage Loan Application Amount | $181,683 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $123,179 |
| Highest Applicant Income | $1,348,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wallkill Valley Federal Savings & Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ulster, New York | 55 | $ 10,887,000 | $ 197,945 | $ 106,000 |
| Orange, New York | 50 | $ 7,738,000 | $ 154,760 | $ 139,000 |
| Dutchess, New York | 6 | $ 1,507,000 | $ 251,166 | $ 143,000 |
| Sullivan, New York | 4 | $ 573,000 | $ 143,250 | $ 157,000 |
| Putnam, New York | 2 | $ 552,000 | $ 276,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Wallkill Valley Federal Savings & Loan Association in 2013
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 | 53 | $10,131,000 | $191,000 | $602,000 | $136,000 | $1,348,000 |
| Refinancing | 43 | $9,753,000 | $226,000 | $815,000 | $127,000 | $609,000 |
| Home Improvement | 21 | $1,373,000 | $65,000 | $270,000 | $83,000 | $204,000 |
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 | 104 | $18,333,000 | $176,000 | $815,000 | $133,000 | $1,348,000 |
| Not applicable | 4 | $1,514,000 | $378,000 | $510,000 | $0 | $0 |
| Not Provided | 3 | $371,000 | $123,000 | $246,000 | $70,000 | $96,000 |
| Hispanic | 3 | $263,000 | $87,000 | $100,000 | $39,000 | $53,000 |
| Black or African American | 2 | $676,000 | $338,000 | $536,000 | $110,000 | $221,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 117 | $21,257,000 | $181,000 | $815,000 | $123,000 | $1,348,000 |
| 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 | 80 | $14,488,000 | $181,000 | $815,000 | $122,000 | $1,348,000 |
| Application Denied By Financial Institution | 23 | $3,817,000 | $165,000 | $385,000 | $95,000 | $403,000 |
| Application Withdrawn By Applicant | 5 | $1,308,000 | $261,000 | $417,000 | $296,000 | $1,017,000 |
| File Closed For Incompleteness | 5 | $1,304,000 | $260,000 | $347,000 | $121,000 | $189,000 |
| Application Approved But Not Accepted | 4 | $340,000 | $85,000 | $210,000 | $94,000 | $162,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $918,000 | $102,000 | $279,000 | $61,000 | $110,000 |
| Collateral | 5 | $1,089,000 | $217,000 | $350,000 | $144,000 | $293,000 |
| Credit History | 4 | $607,000 | $151,000 | $240,000 | $79,000 | $124,000 |
| Other | 3 | $980,000 | $326,000 | $385,000 | $134,000 | $403,000 |
| Employment History | 1 | $162,000 | $162,000 | $162,000 | $133,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $61,000 | $61,000 | $61,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Wallkill Valley Federal Savings & Loan Association's 2013 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 Wallkill Valley Federal Savings & Loan Association'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.
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