Madison County, NY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 2,290 mortgage applications in Madison County, NY totaling $270.7 million, up 5% from 2015. The average application was for $118,000, and applicants reported an average income of $77,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Americu Credit Union, with 225 applications, followed by Community Bank, N.A. and Nbt 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 | 2,290 |
| Total Mortgage Loan Application Amount | $270,709,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $2,698,000 |
* 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 |
|---|---|---|---|---|
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,333,510,000 | 225 | $ 18,004,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,494,486,000 | 173 | $ 14,432,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,198,830,000 | 152 | $ 20,319,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 131 | $ 19,249,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,381,536,000 | 100 | $ 7,365,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 74 | $ 9,887,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 61 | $ 8,605,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 57 | $ 7,692,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 54 | $ 7,936,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 53 | $ 7,434,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 46 | $ 6,724,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 38 | $ 4,937,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 154,151,000 | 37 | $ 1,469,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 37 | $ 2,085,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 36 | $ 2,750,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 227,064,000 | 35 | $ 1,819,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 34 | $ 4,020,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 30 | $ 3,252,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 134,741,000 | 29 | $ 3,148,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 538,182,000 | 28 | $ 5,105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 27 | $ 734,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 437,168,000 | 26 | $ 1,236,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 26 | $ 3,692,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 23 | $ 1,562,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 7,811,263,000 | 23 | $ 3,433,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 22 | $ 3,012,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,922,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 21 | $ 3,763,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 138,017,000 | 21 | $ 4,037,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 21 | $ 2,824,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 39,860,456,000 | 20 | $ 2,450,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 20 | $ 2,164,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 17 | $ 2,133,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 17 | $ 6,523,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 17 | $ 2,734,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 17 | $ 2,255,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 100,701,000 | 17 | $ 112,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 15 | $ 2,343,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 815,430,000 | 15 | $ 2,381,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ 10,000,000 | 14 | $ 2,873,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 14 | $ 1,258,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 13 | $ 1,525,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,043,252,000 | 12 | $ 887,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 11 | $ 1,390,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 11 | $ 299,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 11 | $ 1,283,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 10 | $ 2,238,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 6,823,816,000 | 10 | $ 214,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,850,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 9 | $ 1,064,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 8 | $ 966,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 8 | $ 942,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 8 | $ 1,248,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,479,565,000 | 7 | $ 800,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 164,328,000 | 7 | $ 508,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 7 | $ 511,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 7 | $ 1,159,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 6 | $ 389,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 6 | $ 1,565,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 124,697,000 | 6 | $ 2,139,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 561,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 5 | $ 828,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 4 | $ 571,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 733,327,000 | 4 | $ 183,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 122,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 321,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 695,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 4 | $ 369,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 416,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 183,138,215,000 | 4 | $ 492,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 4 | $ 549,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 4 | $ 522,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 3 | $ 664,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 361,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 780,568,000 | 3 | $ 312,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 867,466,000 | 3 | $ 1,413,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 262,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 3 | $ 319,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD. NEW HARTFORD, NY 13413 |
* | $ 58,208,000 | 3 | $ 142,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 522,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 486,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 256,688,000 | 3 | $ 435,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 3 | $ 64,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 622,531,000 | 3 | $ 327,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 175,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 2 | $ 369,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 349,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 2 | $ 367,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 696,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 219,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 197,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 247,000 |
| M&T Real Estate Trust 701 SENECA STREET-SUITE 330N BUFFALO, NY 14210 |
* | $ 54,391,344,000 | 2 | $ 762,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 2 | $ 13,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 2 | $ 537,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 56,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 122,305,000 | 1 | $ 134,000 |
| 1st Constitution Bank 1246 S. RIVER RD CRANBURY, NJ 08512 |
* | $ 967,992,000 | 1 | $ 200,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 4,249,486,000 | 1 | $ 95,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 80,744,000 | 1 | $ 55,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 4,216,262,000 | 1 | $ 167,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,134,877,000 | 1 | $ 12,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 162,003,000 | 1 | $ 5,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 42,042,000,000 | 1 | $ 1,525,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 139,069,000,000 | 1 | $ 179,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 52,653,111,000 | 1 | $ 658,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 111,306,727,000 | 1 | $ 69,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 230,000 |
| Cherrywood Commercial Lending, LLC 20955 PATHFINDER ROAD #205 DIAMOND BAR, CA 91765 |
* | $ 64,589,395,000 | 1 | $ 234,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 83,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 10,016,511,000 | 1 | $ 120,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ 1,192,000 | 1 | $ 232,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 430,980,000 | 1 | $ 1,480,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 5,666,403,000 | 1 | $ 80,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 220,279,000 | 1 | $ 15,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 85,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ 10,000,000 | 1 | $ 354,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 223,000 |
| Forethought Life Insurance Co 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ 100,000,000 | 1 | $ 76,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ 11,000,000 | 1 | $ 308,000 |
The tables below break down 2016 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 2016
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 | 1,129 | $160,630,000 | $142,000 | $3,000,000 | $78,000 | $1,522,000 |
| Refinancing | 762 | $93,423,000 | $122,000 | $720,000 | $77,000 | $2,698,000 |
| Home Improvement | 399 | $16,656,000 | $41,000 | $2,900,000 | $71,000 | $541,000 |
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 | 1,901 | $215,507,000 | $113,000 | $3,000,000 | $83,000 | $2,698,000 |
| Not applicable | 203 | $32,730,000 | $161,000 | $2,900,000 | $20,000 | $763,000 |
| Not Provided | 127 | $15,202,000 | $119,000 | $341,000 | $79,000 | $1,219,000 |
| Hispanic | 24 | $3,414,000 | $142,000 | $284,000 | $80,000 | $211,000 |
| Black or African American | 19 | $2,817,000 | $148,000 | $347,000 | $67,000 | $132,000 |
| American Indian or Alaskan Native | 12 | $754,000 | $62,000 | $104,000 | $41,000 | $68,000 |
| Asian | 3 | $215,000 | $71,000 | $148,000 | $56,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $70,000 | $70,000 | $70,000 | $1,000 | $1,000 |
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) | 1,604 | $182,505,000 | $113,000 | $3,000,000 | $88,000 | $2,698,000 |
| FHA-insured (Federal Housing Administration) | 483 | $56,757,000 | $117,000 | $368,000 | $50,000 | $1,074,000 |
| VA-guaranteed (Veterans Administration) | 149 | $25,133,000 | $168,000 | $388,000 | $53,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,314,000 | $116,000 | $475,000 | $42,000 | $143,000 |
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 | 1,333 | $160,088,000 | $120,000 | $3,000,000 | $88,000 | $2,698,000 |
| Application Denied By Financial Institution | 410 | $36,987,000 | $90,000 | $900,000 | $67,000 | $1,074,000 |
| Loan Purchased By The Institution | 292 | $39,203,000 | $134,000 | $612,000 | $39,000 | $204,000 |
| Application Withdrawn By Applicant | 130 | $18,023,000 | $138,000 | $465,000 | $77,000 | $516,000 |
| Application Approved But Not Accepted | 66 | $9,501,000 | $143,000 | $2,160,000 | $93,000 | $1,219,000 |
| File Closed For Incompleteness | 59 | $6,907,000 | $117,000 | $417,000 | $62,000 | $200,000 |
| 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 | 81 | $5,221,000 | $64,000 | $425,000 | $67,000 | $364,000 |
| Debt-To-Income Ratio | 73 | $5,655,000 | $77,000 | $300,000 | $50,000 | $154,000 |
| Collateral | 52 | $5,961,000 | $114,000 | $900,000 | $89,000 | $502,000 |
| Credit Application Incomplete | 28 | $3,474,000 | $124,000 | $343,000 | $100,000 | $1,074,000 |
| Other | 25 | $2,074,000 | $82,000 | $278,000 | $56,000 | $224,000 |
| Employment History | 6 | $353,000 | $58,000 | $119,000 | $42,000 | $77,000 |
| Unverifiable Information | 5 | $422,000 | $84,000 | $179,000 | $163,000 | $405,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $354,000 | $177,000 | $306,000 | $100,000 | $149,000 |
| Mortgage Insurance Denied | 2 | $180,000 | $90,000 | $150,000 | $63,000 | $93,000 |
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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