Madison County, NY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 2,423 mortgage applications in Madison County, NY totaling $274.8 million, down 2% from 2010. The average application was for $113,000, and applicants reported an average income of $76,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Oneida Savings Bank, with 250 applications, followed by Alliance Bank NA 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 | 2,423 |
| Total Mortgage Loan Application Amount | $274,764,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $2,400,000 |
* 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 |
|---|---|---|---|---|
| Oneida Savings Bank 182 MAIN STREET ONEIDA, NY 13421 |
* | $ 659,466,000 | 250 | $ 24,790,000 |
| Alliance Bank NA 120 MADISON STREET SYRACUSE, NY 13202 |
* | $ 1,449,065,000 | 156 | $ 21,216,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 148 | $ 19,669,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 920,280,000 | 147 | $ 9,740,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 113 | $ 14,500,000 |
| Beacon Federal PO BOX 186, 6611 MANLIUS CENTER ROAD EAST SYRACUSE, NY 13057 |
* | $ 1,032,683,000 | 102 | $ 7,548,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 99 | $ 10,906,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 89 | $ 9,563,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 78 | $ 8,295,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 74 | $ 6,645,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,302,543,000 | 68 | $ 4,051,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 925,476,000 | 65 | $ 6,084,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 64 | $ 13,540,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 64 | $ 3,245,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 461,102,000 | 55 | $ 12,311,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 53 | $ 6,833,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 45 | $ 4,372,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 40 | $ 5,794,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 26 | $ 3,326,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 25 | $ 3,324,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 1,587,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 117,257,000 | 24 | $ 205,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 23 | $ 1,283,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 23 | $ 3,631,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 23 | $ 3,835,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 21 | $ 2,804,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 21 | $ 3,444,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 19 | $ 2,626,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 19 | $ 2,502,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 128,586,000 | 19 | $ 2,144,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 624,428,000 | 17 | $ 1,208,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 17 | $ 2,379,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 2,549,855,000 | 16 | $ 3,631,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 16 | $ 2,108,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 30,804,513,000 | 15 | $ 2,633,000 |
| Focal Point FCU 6555 RIDINGS ROAD SYRACUSE, NY 13206 |
* | $ 50,365,000 | 14 | $ 537,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 291,553,000 | 14 | $ 823,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 587,906,000 | 13 | $ 1,182,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 195,101,367,000 | 13 | $ 1,617,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ 10,000,000 | 13 | $ 2,984,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 11 | $ 664,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,473,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 10 | $ 1,492,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 10 | $ 1,481,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 2,118,108,000 | 9 | $ 467,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 68,894,000 | 9 | $ 324,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 155,976,000 | 8 | $ 826,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 7 | $ 339,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 124,941,000 | 6 | $ 1,072,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 6 | $ 710,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 92,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 747,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 5 | $ 618,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,419,722,000 | 5 | $ 1,047,000 |
| The Funding Source LLC 906 SPENCER STREET SYRACUSE, NY 13206 |
* | $ 10,000,000 | 5 | $ 710,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 5 | $ 296,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 5 | $ 71,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 407,368,000 | 5 | $ 1,011,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 2,845,217,000 | 5 | $ 572,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 4 | $ 565,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 425,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 595,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 151,262,000 | 4 | $ 578,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 3 | $ 264,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 3 | $ 297,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 298,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 3 | $ 521,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 3 | $ 496,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 605,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 592,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,166,000 | 3 | $ 39,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 2 | $ 390,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 527,948,000 | 2 | $ 429,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 160,432,000 | 2 | $ 265,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 192,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 400,850,000 | 2 | $ 140,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 198,117,000 | 2 | $ 317,000 |
| Town Center Bank 1938 E. LINCOLN HIGHWAY #101 NEW LENOX, IL 60451 |
* | $ 141,350,000 | 2 | $ 86,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 43,323,000 | 2 | $ 199,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 1,560,252,000 | 2 | $ 50,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 2 | $ 99,000 |
| Money Federal Credit Union PO BOX 957 SYRACUSE, NY 13201 |
* | $ 43,784,000 | 2 | $ 174,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 2 | $ 286,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 178,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 231,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 300,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 201,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 339,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 2 | $ 345,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 300,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 1 | $ 416,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 220,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 1 | $ 32,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 159,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 1 | $ 112,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 1 | $ 405,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 1 | $ 125,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 119,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 385,348,000 | 1 | $ 14,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 30,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 264,000 |
| Mortgage Enterprise, Ltd. 776 RXR PLAZA, 7 WEST UNIONDALE, NY 11556 |
* | $ 10,000,000 | 1 | $ 293,000 |
| Mortgage Master, Inc. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 230,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 120,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 15,180,000 | 1 | $ 190,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 1 | $ 90,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ 51,703,000 | 1 | $ 226,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 513,234,000 | 1 | $ 214,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 76,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Nationwide Equities Corporation 225 BRAE BLVD SUITE 202 PARK RIDGE, NJ 07656 |
* | $ 10,000,000 | 1 | $ 120,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,192,808,000 | 1 | $ 60,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 125,678,000 | 1 | $ 60,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 126,302,000 | 1 | $ 28,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 59,748,000 | 1 | $ 41,000 |
| Financial Resources Federal Cr 3040 US HIGHWAY 22 BLDG 2 BRANCHBURG, NJ 08876 |
* | $ 371,922,000 | 1 | $ 65,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,061,721,000 | 1 | $ 265,000 |
| Auburn Community FCU PO BOX 867 AUBURN, NY 13021 |
* | $ 61,987,000 | 1 | $ 64,000 |
| Coastway Community Bank ONE COASTWAY BLVD WARWICK, RI 02886 |
* | $ 309,331,000 | 1 | $ 137,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 100,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 722,962,000 | 1 | $ 50,000 |
| Beneficial Bank 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 4,922,436,000 | 1 | $ 5,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 1 | $ 71,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 1 | $ 264,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 178,662,000 | 1 | $ 34,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 117,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 25,000 |
The tables below break down 2011 mortgage applications in Madison 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 Madison County, NY in 2011
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 | 1,215 | $152,757,000 | $125,000 | $1,300,000 | $78,000 | $2,400,000 |
| Home Purchase | 851 | $110,984,000 | $130,000 | $1,300,000 | $79,000 | $2,400,000 |
| Home Improvement | 357 | $11,023,000 | $30,000 | $480,000 | $61,000 | $416,000 |
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 | 2,111 | $235,550,000 | $111,000 | $1,300,000 | $78,000 | $2,400,000 |
| Not Provided | 164 | $18,805,000 | $114,000 | $348,000 | $71,000 | $507,000 |
| Not applicable | 102 | $13,864,000 | $135,000 | $1,069,000 | $14,000 | $470,000 |
| Asian | 17 | $2,780,000 | $163,000 | $907,000 | $109,000 | $591,000 |
| Hispanic | 13 | $2,037,000 | $156,000 | $288,000 | $143,000 | $989,000 |
| American Indian or Alaskan Native | 8 | $620,000 | $77,000 | $213,000 | $80,000 | $283,000 |
| Black or African American | 7 | $1,062,000 | $151,000 | $227,000 | $96,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $46,000 | $46,000 | $46,000 | $45,000 | $45,000 |
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) | 1,759 | $195,717,000 | $111,000 | $1,300,000 | $85,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 534 | $60,069,000 | $112,000 | $345,000 | $51,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 99 | $15,522,000 | $156,000 | $359,000 | $57,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,456,000 | $111,000 | $177,000 | $48,000 | $72,000 |
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 | 1,355 | $158,323,000 | $116,000 | $1,300,000 | $88,000 | $2,400,000 |
| Application Denied By Financial Institution | 443 | $38,764,000 | $87,000 | $417,000 | $57,000 | $989,000 |
| Loan Purchased By The Institution | 280 | $36,716,000 | $131,000 | $416,000 | $50,000 | $470,000 |
| Application Withdrawn By Applicant | 170 | $20,067,000 | $118,000 | $364,000 | $71,000 | $235,000 |
| Application Approved But Not Accepted | 124 | $13,339,000 | $107,000 | $405,000 | $70,000 | $340,000 |
| File Closed For Incompleteness | 51 | $7,555,000 | $148,000 | $863,000 | $88,000 | $245,000 |
| 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 | 94 | $5,476,000 | $58,000 | $249,000 | $50,000 | $155,000 |
| Debt-To-Income Ratio | 70 | $7,206,000 | $102,000 | $377,000 | $63,000 | $989,000 |
| Collateral | 64 | $7,632,000 | $119,000 | $417,000 | $81,000 | $475,000 |
| Other | 44 | $2,694,000 | $61,000 | $348,000 | $54,000 | $120,000 |
| Credit Application Incomplete | 21 | $2,356,000 | $112,000 | $293,000 | $49,000 | $183,000 |
| Unverifiable Information | 14 | $1,356,000 | $96,000 | $377,000 | $59,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $897,000 | $149,000 | $284,000 | $83,000 | $178,000 |
| Employment History | 5 | $454,000 | $90,000 | $145,000 | $45,000 | $72,000 |
| Mortgage Insurance Denied | 2 | $465,000 | $232,000 | $313,000 | $30,000 | $60,000 |
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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