Madison County, NY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 2,116 mortgage applications in Madison County, NY totaling $289.3 million, down 8% from 2016. The average application was for $136,000, and applicants reported an average income of $73,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Americu Credit Union, with 180 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 | 2,116 |
| Total Mortgage Loan Application Amount | $289,306,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $50,000,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,027,000 |
* 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 |
* | $ 1,432,467,000 | 180 | $ 13,662,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,604,114,000 | 147 | $ 12,018,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,792,872,000 | 127 | $ 12,691,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,543,898,000 | 108 | $ 57,794,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 104 | $ 15,173,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 53 | $ 7,255,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 49 | $ 7,412,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 49 | $ 6,164,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 161,605,000 | 46 | $ 2,185,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 46 | $ 3,174,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 44 | $ 5,284,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 43 | $ 6,078,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 41 | $ 5,816,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 39 | $ 5,733,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 474,876,000 | 37 | $ 1,563,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 36 | $ 2,431,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 240,163,000 | 32 | $ 1,936,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 30 | $ 4,074,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 30 | $ 4,131,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 538,747,000 | 30 | $ 6,349,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 28 | $ 3,571,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 150,289,000 | 27 | $ 2,672,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 24 | $ 2,819,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 22 | $ 977,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 20 | $ 3,121,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 19 | $ 3,530,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 162,593,000 | 19 | $ 2,931,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 18 | $ 1,882,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 17 | $ 3,039,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 2,132,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 16 | $ 2,020,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 16 | $ 1,049,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 16 | $ 1,739,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 14 | $ 1,227,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 14 | $ 2,654,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 2,147,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 9,119,415,000 | 13 | $ 1,169,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 1,760,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 12 | $ 1,573,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 12 | $ 1,715,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 857,231,000 | 12 | $ 2,277,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 12 | $ 302,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 11 | $ 1,272,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ -1,000 | 11 | $ 2,565,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 10 | $ 1,557,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 10 | $ 1,665,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 10 | $ 1,116,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,179,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 10 | $ 1,837,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 174,877,000 | 9 | $ 1,205,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 105,744,000 | 8 | $ 87,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 8 | $ 457,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 747,955,000 | 7 | $ 1,460,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,328,515,000 | 7 | $ 459,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 19,227,800,000 | 7 | $ 1,102,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 7 | $ 845,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 7 | $ 1,004,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 7,568,756,000 | 7 | $ 223,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 838,119,000 | 6 | $ 107,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 778,379,000 | 6 | $ 200,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 6 | $ 1,062,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 6 | $ 429,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 90,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 5 | $ 891,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 5 | $ 740,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 5 | $ 329,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,710,899,000 | 5 | $ 589,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 5 | $ 771,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 4 | $ 539,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 461,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 4 | $ 415,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 332,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 268,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 455,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,032,698,000 | 4 | $ 622,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 3 | $ 685,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 222,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 284,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 3 | $ 412,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 6,918,650,000 | 3 | $ 543,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 374,825,000 | 3 | $ 617,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 339,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 3 | $ 47,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 268,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 296,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 2 | $ 460,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 506,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 296,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 2 | $ 217,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 301,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 555,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,294,045,000 | 2 | $ 245,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 236,585,000 | 2 | $ 106,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 2 | $ 588,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 96,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 1 | $ 3,000 |
| Resmac, Inc. 5400 BROKEN SOUND BLVD #600 BOCA RATON, FL 33487 |
* | $ -1,000 | 1 | $ 106,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 143,001,000 | 1 | $ 111,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 282,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 100,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 1 | $ 383,000 |
| Forethought Life Insurance Company 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ -1,000 | 1 | $ 60,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 288,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 902,051,000 | 1 | $ 185,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 144,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 1 | $ 25,000 |
| Priority Funding, LLC 292 MAIN STREET, SUITE G1 NORTHBORO, MA 01532 |
* | $ -1,000 | 1 | $ 58,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 916,921,000 | 1 | $ 1,050,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 461,536,000 | 1 | $ 156,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 24,452,112,000 | 1 | $ 1,200,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 201,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ -1,000 | 1 | $ 64,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 21,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 103,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,848,531,000 | 1 | $ 75,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 13,016,049,000 | 1 | $ 2,000,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 136,031,000 | 1 | $ 140,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 13,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 523,026,000 | 1 | $ 126,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 211,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 1 | $ 236,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 1 | $ 204,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 631,716,000 | 1 | $ 155,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,451,408,000 | 1 | $ 252,000 |
| Watertown Savings Bank 111 CLINTON ST WATERTOWN, NY 13601 |
* | $ 635,649,000 | 1 | $ 142,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,173,036,000 | 1 | $ 4,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 218,399,000 | 1 | $ 176,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 1 | $ 252,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 127,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 4,518,183,000 | 1 | $ 201,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ 101,629,820,000 | 1 | $ 33,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 203,366,000 | 1 | $ 30,000 |
The tables below break down 2017 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 2017
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 | 1,057 | $195,583,000 | $185,000 | $50,000,000 | $74,000 | $719,000 |
| Refinancing | 671 | $79,189,000 | $118,000 | $2,000,000 | $72,000 | $1,027,000 |
| Home Improvement | 388 | $14,534,000 | $37,000 | $1,200,000 | $73,000 | $942,000 |
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 | 1,731 | $239,503,000 | $138,000 | $50,000,000 | $78,000 | $1,027,000 |
| Not applicable | 191 | $25,428,000 | $133,000 | $1,200,000 | $17,000 | $214,000 |
| Not Provided | 133 | $15,908,000 | $119,000 | $525,000 | $74,000 | $566,000 |
| Hispanic | 24 | $3,886,000 | $161,000 | $560,000 | $114,000 | $605,000 |
| Black or African American | 13 | $1,544,000 | $118,000 | $196,000 | $82,000 | $210,000 |
| American Indian or Alaskan Native | 12 | $647,000 | $53,000 | $196,000 | $57,000 | $150,000 |
| Asian | 12 | $2,390,000 | $199,000 | $614,000 | $114,000 | $360,000 |
| 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) | 1,490 | $207,651,000 | $139,000 | $50,000,000 | $82,000 | $942,000 |
| FHA-insured (Federal Housing Administration) | 423 | $48,640,000 | $114,000 | $282,000 | $45,000 | $299,000 |
| VA-guaranteed (Veterans Administration) | 157 | $26,746,000 | $170,000 | $661,000 | $63,000 | $320,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $6,269,000 | $136,000 | $1,050,000 | $63,000 | $1,027,000 |
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 | 1,216 | $139,061,000 | $114,000 | $2,000,000 | $84,000 | $1,027,000 |
| Application Denied By Financial Institution | 354 | $30,705,000 | $86,000 | $1,200,000 | $65,000 | $566,000 |
| Loan Purchased By The Institution | 276 | $37,552,000 | $136,000 | $383,000 | $39,000 | $286,000 |
| Application Withdrawn By Applicant | 153 | $18,755,000 | $122,000 | $1,000,000 | $68,000 | $432,000 |
| Application Approved But Not Accepted | 70 | $58,119,000 | $830,000 | $50,000,000 | $71,000 | $236,000 |
| File Closed For Incompleteness | 47 | $5,114,000 | $108,000 | $424,000 | $62,000 | $190,000 |
| 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 | 76 | $7,191,000 | $94,000 | $1,200,000 | $55,000 | $476,000 |
| Credit History | 73 | $3,207,000 | $43,000 | $220,000 | $71,000 | $488,000 |
| Collateral | 59 | $7,630,000 | $129,000 | $661,000 | $86,000 | $566,000 |
| Credit Application Incomplete | 29 | $3,276,000 | $112,000 | $263,000 | $69,000 | $262,000 |
| Other | 21 | $1,622,000 | $77,000 | $199,000 | $60,000 | $151,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $639,000 | $106,000 | $170,000 | $42,000 | $95,000 |
| Unverifiable Information | 5 | $409,000 | $81,000 | $170,000 | $66,000 | $109,000 |
| Employment History | 4 | $212,000 | $53,000 | $176,000 | $96,000 | $310,000 |
| Mortgage Insurance Denied | 2 | $209,000 | $104,000 | $108,000 | $57,000 | $72,000 |
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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