Wallkill Valley Federal Savings & Loan Association Mortgage Lending & HMDA Data, 2014
In 2014, Wallkill Valley Federal Savings & Loan Association of Wallkill, NY reported 86 mortgage applications totaling $17.9 million, down 26% from 2013. The average application was for $207,953, and applicants reported an average income of $103,953. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (45), Kingston, NY (32) and Dutchess County-Putnam County, NY (7) (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 | 86 |
| Total Mortgage Loan Application Amount | $17,884,000 |
| Average Mortgage Loan Application Amount | $207,953 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $103,953 |
| Highest Applicant Income | $475,000 |
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Federal Savings & Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orange, New York | 41 | $ 8,362,000 | $ 203,951 | $ 105,000 |
| Ulster, New York | 32 | $ 6,457,000 | $ 201,781 | $ 94,000 |
| Dutchess, New York | 6 | $ 1,236,000 | $ 206,000 | $ 68,000 |
| Westchester, New York | 4 | $ 839,000 | $ 209,750 | $ 151,000 |
| Fulton, New York | 1 | $ 490,000 | $ 490,000 | $ 475,000 |
| Putnam, New York | 1 | $ 350,000 | $ 350,000 | $ 110,000 |
| Sullivan, New York | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wallkill Valley Federal Savings & Loan Association in 2014
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 | 48 | $10,119,000 | $210,000 | $522,000 | $106,000 | $274,000 |
| Refinancing | 22 | $5,662,000 | $257,000 | $550,000 | $90,000 | $209,000 |
| Home Improvement | 16 | $2,103,000 | $131,000 | $500,000 | $117,000 | $475,000 |
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 | 60 | $12,421,000 | $207,000 | $550,000 | $113,000 | $475,000 |
| Not Provided | 16 | $3,573,000 | $223,000 | $500,000 | $101,000 | $248,000 |
| Not applicable | 4 | $891,000 | $222,000 | $410,000 | $0 | $0 |
| Hispanic | 3 | $458,000 | $152,000 | $235,000 | $72,000 | $85,000 |
| Asian | 2 | $352,000 | $176,000 | $208,000 | $117,000 | $209,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $189,000 | $189,000 | $189,000 | $65,000 | $65,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 86 | $17,884,000 | $207,000 | $550,000 | $104,000 | $475,000 |
| 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 | 60 | $12,638,000 | $210,000 | $522,000 | $114,000 | $475,000 |
| Application Denied By Financial Institution | 15 | $2,954,000 | $196,000 | $550,000 | $69,000 | $134,000 |
| File Closed For Incompleteness | 6 | $1,005,000 | $167,000 | $239,000 | $121,000 | $222,000 |
| Application Withdrawn By Applicant | 3 | $875,000 | $291,000 | $400,000 | $52,000 | $103,000 |
| Application Approved But Not Accepted | 2 | $412,000 | $206,000 | $208,000 | $86,000 | $99,000 |
| 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 | 8 | $1,244,000 | $155,000 | $300,000 | $53,000 | $82,000 |
| Collateral | 3 | $695,000 | $231,000 | $285,000 | $82,000 | $114,000 |
| Credit History | 3 | $895,000 | $298,000 | $550,000 | $118,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $120,000 | $120,000 | $120,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wallkill Valley Federal Savings & Loan Association's 2014 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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