Wallkill Valley Federal Savings & Loan Association Mortgage Lending & HMDA Data, 2024
In 2024, Wallkill Valley Federal Savings & Loan Association of Wallkill, NY reported 123 mortgage applications totaling $43.4 million, down 17% from 2023. The average application was for $353,211, and applicants reported an average income of $192,333. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kingston, NY (64), Kiryas Joel-Poughkeepsie-Newburgh, NY (44) and New York-Jersey City-White Plains, NY-NJ (3) (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 | 123 |
| Total Mortgage Loan Application Amount | $43,445,000 |
| Average Mortgage Loan Application Amount | $353,211 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $192,333 |
| Highest Applicant Income | $667,000 |
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Federal Savings & Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 64 | $ 23,800,000 | $ 371,875 | $ 177,000 |
| Orange, New York | 37 | $ 10,395,000 | $ 280,945 | $ 159,000 |
| Dutchess, New York | 7 | $ 2,745,000 | $ 392,142 | $ 204,000 |
| Sullivan, New York | 5 | $ 2,265,000 | $ 453,000 | $ 327,000 |
| Greene, New York | 3 | $ 1,445,000 | $ 481,666 | $ 265,000 |
| Columbia, New York | 2 | $ 460,000 | $ 230,000 | $ 213,000 |
| Delaware, New York | 2 | $ 900,000 | $ 450,000 | $ 491,000 |
| Putnam, New York | 2 | $ 820,000 | $ 410,000 | $ 352,000 |
| Westchester, New York | 1 | $ 615,000 | $ 615,000 | $ 498,000 |
Mortgage Loan Application Detail Totals for Wallkill Valley Federal Savings & Loan Association 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 | 92 | $36,790,000 | $399,000 | $1,305,000 | $210,000 | $667,000 |
| Home Improvement | 11 | $665,000 | $60,000 | $105,000 | $123,000 | $205,000 |
| Cash-out Refinancing | 9 | $2,705,000 | $300,000 | $495,000 | $172,000 | $322,000 |
| Refinancing | 6 | $1,820,000 | $303,000 | $1,005,000 | $101,000 | $125,000 |
| Other Purpose | 5 | $1,465,000 | $293,000 | $855,000 | $166,000 | $339,000 |
| 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 | 83 | $30,945,000 | $372,000 | $1,305,000 | $208,000 | $667,000 |
| Not Provided | 18 | $4,830,000 | $268,000 | $1,145,000 | $152,000 | $515,000 |
| Hispanic | 10 | $3,090,000 | $309,000 | $855,000 | $128,000 | $339,000 |
| Not applicable | 8 | $3,190,000 | $398,000 | $1,005,000 | $0 | $0 |
| Asian | 2 | $910,000 | $455,000 | $465,000 | $408,000 | $439,000 |
| Black or African American | 1 | $235,000 | $235,000 | $235,000 | $145,000 | $145,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $127,000 | $127,000 |
| 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) | 123 | $43,445,000 | $353,000 | $1,305,000 | $194,000 | $667,000 |
| 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 | 94 | $32,950,000 | $350,000 | $1,305,000 | $199,000 | $667,000 |
| Application Approved But Not Accepted | 10 | $3,120,000 | $312,000 | $1,145,000 | $218,000 | $395,000 |
| Application Withdrawn By Applicant | 9 | $4,935,000 | $548,000 | $1,145,000 | $236,000 | $515,000 |
| Application Denied By Financial Institution | 6 | $1,760,000 | $293,000 | $1,005,000 | $105,000 | $301,000 |
| File Closed For Incompleteness | 4 | $680,000 | $170,000 | $315,000 | $111,000 | $160,000 |
| 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 | 117 | $41,685,000 | $356,000 | $1,305,000 | $199,000 | $667,000 |
| Credit History | 2 | $240,000 | $120,000 | $195,000 | $73,000 | $75,000 |
| Debt-To-Income Ratio | 2 | $400,000 | $200,000 | $245,000 | $62,000 | $72,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $62,000 | $62,000 |
| Collateral | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $301,000 | $301,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wallkill Valley Federal Savings & Loan Association's 2024 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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