Madison County, NY Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 2,302 mortgage applications in Madison County, NY totaling $289.0 million, up 5% from 2018. The average application was for $125,000, and applicants reported an average income of $92,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Community Bank, N.A., with 220 applications, followed by Americu Credit Union 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 | 2,302 |
| Total Mortgage Loan Application Amount | $289,040,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $3,755,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,047,000 |
* 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 |
* | $ 10,412,127,000 | 220 | $ 24,090,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,578,708,000 | 201 | $ 16,965,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,492,332,000 | 182 | $ 26,240,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,802,931,000 | 133 | $ 11,465,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 111 | $ 15,285,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 137,976,503,000 | 97 | $ 10,175,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 87 | $ 9,065,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 81 | $ 7,705,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 49 | $ 6,715,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 47 | $ 7,095,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 44 | $ 7,210,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 44 | $ 6,820,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 42 | $ 5,760,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 37 | $ 4,805,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 31 | $ 4,045,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 31 | $ 4,565,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 537,989,000 | 28 | $ 5,510,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 27 | $ 4,845,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 26 | $ 3,380,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 12,187,936,000 | 25 | $ 2,805,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 25 | $ 2,315,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 25 | $ 3,975,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 274,959,000 | 25 | $ 2,325,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 22 | $ 1,140,000 |
| Access 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ 173,272,000 | 21 | $ 1,625,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 21 | $ 3,655,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,755,479,000 | 19 | $ 1,335,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 19 | $ 3,095,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 18 | $ 2,620,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 17 | $ 1,195,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 17 | $ 2,395,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ -1,000 | 13 | $ 1,625,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 587,964,000 | 13 | $ 915,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,187,734,000 | 13 | $ 2,855,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 12 | $ 1,550,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,655,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 11 | $ 1,815,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 908,130,000 | 11 | $ 2,405,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 11 | $ 1,835,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 10 | $ 1,440,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 150,106,000 | 10 | $ 930,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 10 | $ 1,470,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 10 | $ 850,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 930,533,000 | 10 | $ 2,810,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,885,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 9 | $ 1,185,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,055,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 9 | $ 1,305,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 9 | $ 605,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 9 | $ 1,435,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 8 | $ 1,060,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 840,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 581,669,000 | 8 | $ 1,420,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,320,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,315,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 821,445,000 | 7 | $ 2,665,000 |
| Secny Federal Credit Union 2235 DOWNER STREET SYRACUSE, NY 13219 |
* | $ 187,272,000 | 7 | $ 955,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 7 | $ 985,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 7 | $ 1,435,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 6 | $ 920,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 5 | $ 695,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 855,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 280,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 901,881,000 | 4 | $ 210,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 144,192,000 | 4 | $ 250,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 880,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 170,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 710,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 4 | $ 530,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,408,923,000 | 3 | $ 195,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 3 | $ 295,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 253,055,000 | 3 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 3 | $ 555,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 445,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 265,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 335,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 371,947,000 | 3 | $ 595,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 3 | $ 685,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 2 | $ 180,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 2 | $ 300,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 280,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 75,169,000,000 | 2 | $ 640,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,848,430,000 | 2 | $ 370,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 2 | $ 680,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,071,570,000 | 2 | $ 430,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,062,789,000 | 2 | $ 100,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 130,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 2 | $ 350,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 2 | $ 130,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 2 | $ 130,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 7,306,280,000 | 2 | $ 150,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 85,222,000 | 2 | $ 440,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 160,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 350,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 7,183,022,000 | 2 | $ 530,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 218,611,000 | 2 | $ 280,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 140,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 65,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 8,400,747,000 | 1 | $ 65,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 85,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 295,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 664,284,000 | 1 | $ 295,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 195,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 265,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 85,000 |
| Syracuse Fire Department Empl FCU 211 WILKINSON ST SYRACUSE, NY 13204 |
* | $ 90,605,000 | 1 | $ 25,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 1,682,487,000 | 1 | $ 35,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 2,285,610,000 | 1 | $ 45,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 50,703,918,000 | 1 | $ 125,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 302,668,929,000 | 1 | $ 45,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 175,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 4,935,678,000 | 1 | $ 225,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 215,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 318,448,000 | 1 | $ 345,000 |
| Academy Mortgage Corp. 105 CONKLIN STREET FARMINGDALE, NY 11735 |
* | $ -1,000 | 1 | $ 205,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 55,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 285,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 169,812,442,000 | 1 | $ 335,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 55,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 55,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 85,000 |
| Two River Community Bank 766 SHREWSBURY AVENUE TINTON FALLS, NJ 07724 |
* | $ 1,095,828,000 | 1 | $ 255,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,093,760,000 | 1 | $ 25,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,111,175,000 | 1 | $ 215,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,483,865,000 | 1 | $ 75,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 265,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 55,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 215,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 95,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 25,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 75,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 405,435,000 | 1 | $ 25,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 425,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 285,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 195,411,000 | 1 | $ 195,000 |
The tables below break down 2019 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 2019
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 | 1,056 | $161,260,000 | $152,000 | $1,305,000 | $87,000 | $1,047,000 |
| Refinancing | 397 | $53,295,000 | $134,000 | $3,755,000 | $96,000 | $633,000 |
| Cash-out Refinancing | 343 | $39,235,000 | $114,000 | $555,000 | $91,000 | $533,000 |
| Home Improvement | 284 | $17,820,000 | $62,000 | $405,000 | $101,000 | $560,000 |
| Other Purpose | 184 | $13,930,000 | $75,000 | $405,000 | $102,000 | $624,000 |
| Not Applicable | 38 | $3,500,000 | $92,000 | $245,000 | $55,000 | $55,000 |
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 | 1,904 | $229,840,000 | $120,000 | $1,305,000 | $92,000 | $1,047,000 |
| Not applicable | 185 | $32,545,000 | $175,000 | $3,755,000 | $70,000 | $164,000 |
| Not Provided | 159 | $20,045,000 | $126,000 | $405,000 | $98,000 | $780,000 |
| Hispanic | 20 | $2,380,000 | $119,000 | $455,000 | $159,000 | $560,000 |
| Asian | 12 | $1,770,000 | $147,000 | $405,000 | $122,000 | $393,000 |
| Black or African American | 11 | $1,455,000 | $132,000 | $335,000 | $84,000 | $215,000 |
| American Indian or Alaskan Native | 8 | $800,000 | $100,000 | $205,000 | $68,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $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) | 1,721 | $210,375,000 | $122,000 | $3,755,000 | $100,000 | $1,047,000 |
| FHA-insured (Federal Housing Administration) | 397 | $48,595,000 | $122,000 | $335,000 | $62,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 143 | $24,985,000 | $174,000 | $405,000 | $74,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,085,000 | $124,000 | $185,000 | $56,000 | $80,000 |
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 | 1,326 | $175,730,000 | $132,000 | $3,755,000 | $98,000 | $1,047,000 |
| Application Denied By Financial Institution | 420 | $39,390,000 | $93,000 | $1,045,000 | $72,000 | $517,000 |
| Loan Purchased By The Institution | 267 | $38,495,000 | $144,000 | $445,000 | $83,000 | $301,000 |
| Application Withdrawn By Applicant | 175 | $23,285,000 | $133,000 | $445,000 | $100,000 | $780,000 |
| File Closed For Incompleteness | 77 | $8,465,000 | $109,000 | $355,000 | $99,000 | $552,000 |
| Application Approved But Not Accepted | 37 | $3,675,000 | $99,000 | $305,000 | $103,000 | $427,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,853 | $246,285,000 | $132,000 | $3,755,000 | $97,000 | $1,047,000 |
| Debt-To-Income Ratio | 152 | $16,730,000 | $110,000 | $595,000 | $65,000 | $422,000 |
| Credit History | 107 | $7,575,000 | $70,000 | $275,000 | $71,000 | $246,000 |
| Collateral | 89 | $8,655,000 | $97,000 | $1,045,000 | $85,000 | $517,000 |
| Credit Application Incomplete | 46 | $4,870,000 | $105,000 | $385,000 | $91,000 | $354,000 |
| Other | 38 | $2,930,000 | $77,000 | $245,000 | $72,000 | $220,000 |
| Employment History | 6 | $720,000 | $120,000 | $275,000 | $47,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $695,000 | $139,000 | $335,000 | $58,000 | $122,000 |
| Unverifiable Information | 5 | $535,000 | $107,000 | $325,000 | $116,000 | $224,000 |
| Mortgage Insurance Denied | 1 | $45,000 | $45,000 | $45,000 | $44,000 | $44,000 |
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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