Livingston County, NY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 2,379 mortgage applications in Livingston County, NY totaling $242.8 million, down 4% from 2008. The average application was for $102,000, and applicants reported an average income of $67,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was HSBC Mortgage Corp, with 216 applications, followed by Five Star Bank and Wells Fargo Bank, NA.
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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 | 2,379 |
| Total Mortgage Loan Application Amount | $242,825,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,607,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,700,000 |
* 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 |
|---|---|---|---|---|
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 216 | $ 23,999,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 1,909,009,000 | 193 | $ 12,978,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 173 | $ 19,710,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 709,672,000 | 172 | $ 17,069,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,146,791,000 | 129 | $ 7,481,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 124 | $ 14,903,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 114 | $ 13,816,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 3,558,485,000 | 111 | $ 9,156,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 76 | $ 4,442,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 68 | $ 6,625,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 59 | $ 6,495,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 53 | $ 6,959,000 |
| Cnb Mortgage Company 63A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,419,037,000 | 49 | $ 7,110,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 41 | $ 1,671,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,393,853,000 | 41 | $ 5,446,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 335,775,000 | 37 | $ 4,467,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 267,801,000 | 35 | $ 782,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 34 | $ 4,718,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 33 | $ 4,815,000 |
| Nothnagle Home Securities Corp 217 WEST MAIN STREET, SUITE 200 ROCHESTER, NY 14614 |
* | $ 10,000,000 | 31 | $ 3,472,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 28 | $ 3,178,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 28 | $ 2,705,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 425,379,000 | 27 | $ 2,006,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 22 | $ 2,198,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 22 | $ 2,567,000 |
| First Niagara Bank 6950 SOUTH TRANSIT ROAD LOCKPORT, NY 14094 |
* | $ 9,239,610,000 | 22 | $ 2,804,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 251,922,000 | 21 | $ 2,430,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 18 | $ 1,888,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 17 | $ 2,084,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 2,126,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 16 | $ 2,564,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 14 | $ 868,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 14 | $ 2,153,000 |
| Beacon Federal 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 1,021,432,000 | 12 | $ 1,496,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 12 | $ 1,607,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 12 | $ 1,119,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 11 | $ 828,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 769,524,000 | 11 | $ 1,197,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 914,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 171,486,000 | 9 | $ 1,135,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 9 | $ 1,165,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 7 | $ 559,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 77,029,703,000 | 7 | $ 920,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,306,865,000 | 6 | $ 395,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 411,851,000 | 6 | $ 831,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 112,123,000 | 6 | $ 221,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 741,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 918,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 5 | $ 730,000 |
| Fairport Savings Bank 45 SOUTH MAIN STREET FAIRPORT, NY 14450 |
* | $ 192,599,000 | 5 | $ 865,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 5 | $ 68,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 755,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 4 | $ 457,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 4 | $ 525,000 |
| Home Funding Finders, Inc 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 4 | $ 484,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 534,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 460,000 |
| Devere Mortgage Corporation 5400 BROADWAY STREET LANCASTER, NY 14085 |
* | $ 10,000,000 | 3 | $ 360,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 323,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 127,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 3 | $ 211,000 |
| The Funding Source LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 3 | $ 280,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 257,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 3 | $ 83,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 3 | $ 55,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 122,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,359,556,000 | 3 | $ 373,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 3 | $ 1,805,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 263,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 678,723,000 | 2 | $ 337,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 2 | $ 234,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 30,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,186,130,000 | 2 | $ 25,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 2 | $ 179,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 149,750,000 | 2 | $ 411,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 185,045,000 | 2 | $ 116,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 258,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 81,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 204,000 |
| St. Pius X Church FCU 2998 CHILI AVENUE ROCHESTER, NY 14624 |
* | $ 40,369,000 | 2 | $ 133,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 3,192,392,000 | 2 | $ 323,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 2 | $ 172,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 633,140,000 | 2 | $ 62,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 2 | $ 431,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 305,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 2 | $ 315,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 2 | $ 360,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 34,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 80,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Greentree Mortgage Company, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ 31,000,000 | 1 | $ 97,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 394,422,000 | 1 | $ 83,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 710,218,000 | 1 | $ 27,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 150,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 242,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 2,655,244,000 | 1 | $ 175,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 2,170,723,000 | 1 | $ 18,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,494,575,000 | 1 | $ 50,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 118,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Preferred Mortgage Corporation 595 BLOSSOM ROAD ROCHESTER, NY 14610 |
* | $ 40,000,000 | 1 | $ 151,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 160,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Western Division Federal Credit Union 6750 MAIN ST WILLIAMSVILLE, NY 14221 |
* | $ 103,416,000 | 1 | $ 86,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 149,135,000 | 1 | $ 39,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 79,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 274,379,000 | 1 | $ 54,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,958,963,000 | 1 | $ 100,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 74,000 |
| Seneca Falls Savings Bank 19 CAYUGA ST SENECA FALLS, NY 13148 |
* | $ 176,872,000 | 1 | $ 60,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 64,996,000 | 1 | $ 86,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 6,967,158,000 | 1 | $ 168,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 345,000 |
| Town Center Bank 1938 E. LINCOLN HIGHWAY #101 NEW LENOX, IL 60451 |
* | $ 123,336,000 | 1 | $ 86,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 967,308,000 | 1 | $ 200,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 109,000 |
| Wemple State Bank PO BOX 105 WAVERLY, IL 62692 |
* | $ 56,473,000 | 1 | $ 51,000 |
| Sterling Bank (Final Report) 3100 ROUTE 38 MT.LAUREL, NJ 08054 |
* | $ 378,675,000 | 1 | $ 35,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 121,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 155,000 |
| Forward National Company Inc 300 EAST MAIN ST MILFORD, MA 01757 |
* | $ 336,774,000 | 1 | $ 66,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 124,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 40,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ 46,710,000 | 1 | $ 112,000 |
| First National Bank of Cc P.O. BOX 523 WEST CHESTER, PA 19381 |
* | $ 1,297,208,000 | 1 | $ 119,000 |
| Carlinville National Bank 450 WEST SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 201,236,000 | 1 | $ 19,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 245,391,000 | 1 | $ 138,000 |
The tables below break down 2009 mortgage applications in Livingston 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 Livingston County, NY in 2009
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 | 1,279 | $147,733,000 | $115,000 | $544,000 | $69,000 | $978,000 |
| Home Purchase | 767 | $84,104,000 | $109,000 | $417,000 | $64,000 | $752,000 |
| Home Improvement | 333 | $10,988,000 | $32,000 | $1,607,000 | $66,000 | $1,700,000 |
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 | 1,992 | $203,310,000 | $102,000 | $544,000 | $69,000 | $1,700,000 |
| Not applicable | 167 | $16,694,000 | $99,000 | $1,607,000 | $39,000 | $490,000 |
| Not Provided | 156 | $15,629,000 | $100,000 | $417,000 | $63,000 | $390,000 |
| Hispanic | 29 | $3,463,000 | $119,000 | $291,000 | $72,000 | $468,000 |
| Black or African American | 13 | $1,216,000 | $93,000 | $205,000 | $51,000 | $112,000 |
| Asian | 11 | $1,623,000 | $147,000 | $312,000 | $67,000 | $200,000 |
| American Indian or Alaskan Native | 9 | $693,000 | $77,000 | $197,000 | $40,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $197,000 | $98,000 | $121,000 | $50,000 | $71,000 |
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) | 1,624 | $155,530,000 | $95,000 | $544,000 | $73,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 637 | $74,249,000 | $116,000 | $1,607,000 | $54,000 | $740,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $6,161,000 | $91,000 | $159,000 | $38,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 51 | $6,885,000 | $135,000 | $247,000 | $57,000 | $124,000 |
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 | 1,209 | $121,182,000 | $100,000 | $1,607,000 | $70,000 | $1,221,000 |
| Application Denied By Financial Institution | 433 | $41,171,000 | $95,000 | $508,000 | $62,000 | $1,700,000 |
| Loan Purchased By The Institution | 347 | $37,952,000 | $109,000 | $296,000 | $55,000 | $490,000 |
| Application Withdrawn By Applicant | 214 | $23,993,000 | $112,000 | $395,000 | $69,000 | $740,000 |
| Application Approved But Not Accepted | 108 | $10,893,000 | $100,000 | $544,000 | $76,000 | $978,000 |
| File Closed For Incompleteness | 68 | $7,634,000 | $112,000 | $417,000 | $64,000 | $360,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 80 | $7,695,000 | $96,000 | $508,000 | $57,000 | $650,000 |
| Credit History | 79 | $4,055,000 | $51,000 | $185,000 | $70,000 | $1,700,000 |
| Collateral | 74 | $9,654,000 | $130,000 | $405,000 | $76,000 | $390,000 |
| Other | 25 | $1,755,000 | $70,000 | $212,000 | $73,000 | $603,000 |
| Unverifiable Information | 10 | $1,026,000 | $102,000 | $192,000 | $57,000 | $140,000 |
| Employment History | 6 | $490,000 | $81,000 | $128,000 | $27,000 | $39,000 |
| Credit Application Incomplete | 5 | $573,000 | $114,000 | $167,000 | $28,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $477,000 | $119,000 | $177,000 | $39,000 | $67,000 |
| Mortgage Insurance Denied | 2 | $151,000 | $75,000 | $104,000 | $36,000 | $36,000 |
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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