Lewis County, NY Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 1,497 mortgage applications in Lewis County, NY totaling $87.8 million, up 17% from 2003. The average application was for $58,000, and applicants reported an average income of $56,000. 40% of applications resulted in an originated loan and 32% were denied. The most active lender was Community Bank, N.A., with 247 applications, followed by Keybank National Association and Beneficial.
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| Years | 2025 2024 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 | 1,497 |
| Total Mortgage Loan Application Amount | $87,779,000 |
| Average Mortgage Loan Application Amount | $58,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $904,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 3,842,059,000 | 247 | $ 10,298,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 202 | $ 6,620,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 154 | $ 8,536,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 99 | $ 6,746,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 55 | $ 3,838,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 51 | $ 4,794,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 42 | $ 4,017,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 37 | $ 1,904,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 36 | $ 1,833,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 33 | $ 2,477,000 |
| Charter One Bank 1215 SUPERIOR AVE CLEVELAND, OH 44114 |
* | $ 42,698,804,000 | 32 | $ 1,955,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 28 | $ 1,695,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 26 | $ 1,894,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 25 | $ 1,518,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 22 | $ 1,272,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 21 | $ 347,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 20 | $ 1,141,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,028,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 441,622,000 | 17 | $ 1,556,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 15 | $ 1,097,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 14 | $ 1,221,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 11 | $ 431,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 11 | $ 809,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 10 | $ 566,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 276,382,000 | 9 | $ 334,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 9 | $ 857,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 8 | $ 807,000 |
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 8 | $ 1,114,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 454,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 8 | $ 374,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 7 | $ 487,000 |
| Fleet National Bank 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 192,265,000,000 | 7 | $ 416,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 7 | $ 521,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 7 | $ 483,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 7 | $ 599,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 6 | $ 514,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 6 | $ 602,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 5 | $ 348,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 5 | $ 574,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 5 | $ 398,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 1,241,100,000 | 4 | $ 246,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 166,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 582,123,000,000 | 4 | $ 94,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 479,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 500,533,000 | 4 | $ 354,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 4 | $ 227,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 4 | $ 491,000 |
| Wells Fargo Fin'l Cred Serv Ny 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 4 | $ 113,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 4 | $ 330,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 96,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 3 | $ 168,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 3 | $ 223,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Partners Trust Bank 233 GENESEE ST UTICA, NY 13501 |
* | $ 1,285,490,000 | 3 | $ 264,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 210,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 4,019,777,000 | 3 | $ 141,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 3 | $ 314,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 148,938,000 | 3 | $ 132,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 3 | $ 245,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 3 | $ 398,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 3 | $ 481,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 2 | $ 119,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 2 | $ 165,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 203,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 126,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 2 | $ 184,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 277,507,000 | 2 | $ 260,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Nations Standard Mortgage Corp 150 WHITE PLAINS RD SUITE 108 TARRYTOWN, NY 10591 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 353,541,000,000 | 2 | $ 90,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 89,000 |
| Redwood Bank 1000 COFFEEN STREET WATERTOWN, NY 13601 |
* | $ 91,131,000 | 2 | $ 50,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 68,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 43,610,071,000 | 2 | $ 156,000 |
| BNY Mellon 500 GRANT STREET, ROOM 2850 PITTSBURGH, PA 15258 |
* | $ 89,257,901,000 | 2 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 2 | $ 42,000 |
| Wells Fargo Fin'l Maryland,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 10,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 60,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Wright Experss Fsc 3995 SOUTH 700 EAST, SUITE 450 SALT LAKE CITY, UT 84107 |
* | $ 325,193,000 | 1 | $ 80,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 1 | $ 27,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 95,000 |
| Staten Island Bank & T C/O Icb 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 7,445,108,000 | 1 | $ 51,000 |
| Rome Savings Bank 100 W DOMINICK ST., PO BOX 311 ROME, NY 13442 |
* | $ 261,495,000 | 1 | $ 41,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Sib Mortgage Corp. 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 2,646,970,000 | 1 | $ 51,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Walden Federal Savings & Loan 12 MAIN STREET WALDEN, NY 12586 |
* | $ 82,767,000 | 1 | $ 88,000 |
| United Mortgage Corp 510 BROADHOLLOW ROAD, SUITE 202 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ 10,000,000 | 1 | $ 137,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 1 | $ 59,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 206,104,000 | 1 | $ 33,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 35,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 1 | $ 38,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Mid-Hudson Valley Federal C.U. 1099 MORTON BLVD KINGSTON, NY 12401 |
* | $ 455,385,000 | 1 | $ 128,000 |
| Midcountry Mortgage Corp. 1001 LABORE INDUSTRIAL COURT SUITE E VADNAIS HEIGHTS, MN 55110 |
* | $ 464,081,000 | 1 | $ 130,000 |
| Ratestar, Inc. 4665 CORNELL ROAD, SUITE 200 CINCINNATI, OH 45241 |
* | $ 54,815,000 | 1 | $ 61,000 |
| PNC Bank De 2730 LIBERTY AVENUE PITTSBURGH, PA 15222 |
* | $ 2,314,016,000 | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 1 | $ 55,000 |
| North Fork Bank 265 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 20,362,883,000 | 1 | $ 126,000 |
| Opteum Financial Services LLC WEST 115 CENTURY ROAD - 3RD FLOOR PARAMUS, NJ 07652 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Oswego County National Bank 120 MADISON STREET, 17TH FLOOR SYRACUSE, NY 13202 |
* | $ 211,315,000 | 1 | $ 57,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 824,741,000 | 1 | $ 184,000 |
| 1st Constitution Bank 1246 S. RIVER RD CRANBURY, NJ 08512 |
* | $ 293,366,000 | 1 | $ 100,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 69,208,000 | 1 | $ 10,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 60,000 |
| American General Home Equ.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 8,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 108,000 |
| American Mortgage Express Corp 136 GAITHER DRIVE MOUNT LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 39,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 1 | $ 46,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 12,620,187,000 | 1 | $ 46,000 |
| Coastal Capital Corp 1 PLAZA ROAD GREENVALE, NY 11548 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 1 | $ 71,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 30,000 |
| First Continental Mortgage 155 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ 10,000,000 | 1 | $ 68,000 |
| First Niagara Bank 6950 SOUTH TRANSIT ROAD LOCKPORT, NY 14094 |
* | $ 3,582,302,000 | 1 | $ 45,000 |
| Downey Savings and Loan 3501 JAMBOREE ROAD NEWPORT BEACH, CA 92660 |
* | $ 11,637,674,000 | 1 | $ 61,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 19,145,012,000 | 1 | $ 26,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 384,106,000 | 1 | $ 30,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 49,000 |
The tables below break down 2004 mortgage applications in Lewis County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lewis County, NY in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 772 | $53,862,000 | $69,000 | $555,000 | $58,000 | $720,000 |
| Home Purchase | 363 | $26,743,000 | $73,000 | $247,000 | $56,000 | $491,000 |
| Home Improvement | 362 | $7,174,000 | $19,000 | $310,000 | $50,000 | $904,000 |
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 | 1,220 | $69,167,000 | $56,000 | $400,000 | $58,000 | $904,000 |
| Not Provided | 215 | $14,855,000 | $69,000 | $555,000 | $62,000 | $720,000 |
| Not applicable | 39 | $2,240,000 | $57,000 | $178,000 | $6,000 | $132,000 |
| Hispanic | 9 | $635,000 | $70,000 | $142,000 | $52,000 | $88,000 |
| Black or African American | 6 | $482,000 | $80,000 | $139,000 | $46,000 | $76,000 |
| American Indian or Alaskan Native | 4 | $170,000 | $42,000 | $65,000 | $34,000 | $44,000 |
| Asian | 3 | $194,000 | $64,000 | $85,000 | $61,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $36,000 | $36,000 | $36,000 | $47,000 | $47,000 |
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) | 1,438 | $83,539,000 | $58,000 | $555,000 | $58,000 | $904,000 |
| FHA-insured (Federal Housing Administration) | 36 | $2,497,000 | $69,000 | $162,000 | $45,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 22 | $1,671,000 | $75,000 | $142,000 | $30,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $72,000 | $72,000 | $72,000 | $45,000 | $45,000 |
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 | 592 | $31,129,000 | $52,000 | $400,000 | $65,000 | $904,000 |
| Application Denied By Financial Institution | 477 | $27,418,000 | $57,000 | $375,000 | $56,000 | $614,000 |
| Application Withdrawn By Applicant | 253 | $17,775,000 | $70,000 | $247,000 | $57,000 | $720,000 |
| Application Approved But Not Accepted | 78 | $4,568,000 | $58,000 | $234,000 | $60,000 | $343,000 |
| Loan Purchased By The Institution | 67 | $4,122,000 | $61,000 | $178,000 | $22,000 | $125,000 |
| File Closed For Incompleteness | 30 | $2,767,000 | $92,000 | $555,000 | $64,000 | $273,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 141 | $6,435,000 | $45,000 | $214,000 | $48,000 | $230,000 |
| Other | 88 | $5,088,000 | $57,000 | $180,000 | $61,000 | $491,000 |
| Debt-To-Income Ratio | 60 | $3,110,000 | $51,000 | $195,000 | $30,000 | $80,000 |
| Credit Application Incomplete | 58 | $3,167,000 | $54,000 | $323,000 | $47,000 | $119,000 |
| Collateral | 57 | $4,514,000 | $79,000 | $285,000 | $75,000 | $529,000 |
| Employment History | 4 | $292,000 | $73,000 | $143,000 | $63,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $263,000 | $87,000 | $150,000 | $62,000 | $86,000 |
| Unverifiable Information | 3 | $463,000 | $154,000 | $375,000 | $37,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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