Otsego County, NY Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 1,688 mortgage applications in Otsego County, NY totaling $227.3 million, up 2% from 2018. The average application was for $134,000, and applicants reported an average income of $93,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was Community Bank, N.A., with 208 applications, followed by Nbt Bank NA and Citizens 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 | 1,688 |
| Total Mortgage Loan Application Amount | $227,340,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,028,000 |
* 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 | 208 | $ 24,780,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,492,332,000 | 194 | $ 22,040,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 100 | $ 13,510,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 137,976,503,000 | 96 | $ 13,730,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 92 | $ 13,490,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 72 | $ 9,540,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 62 | $ 5,690,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 60 | $ 8,890,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 405,435,000 | 56 | $ 10,330,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 36 | $ 4,100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 28 | $ 1,580,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 26 | $ 4,310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 24 | $ 3,230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 19 | $ 2,795,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 19 | $ 2,485,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 18 | $ 2,760,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 18 | $ 3,460,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 18 | $ 2,300,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,755,479,000 | 16 | $ 1,180,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 16 | $ 2,630,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 2,765,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 2,100,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 14 | $ 1,630,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 13 | $ 1,745,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,578,708,000 | 12 | $ 940,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,125,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 11 | $ 1,395,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 11 | $ 2,265,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 10 | $ 1,180,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,187,734,000 | 10 | $ 960,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 587,964,000 | 9 | $ 695,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 1,615,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 8 | $ 650,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 730,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,510,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 7 | $ 1,155,000 |
| Bank of Richmondville 857 EAST MAIN STREET COBLESKILL, NY 12043 |
* | $ 140,972,000 | 7 | $ 875,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 77,243,612,000 | 6 | $ 460,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 144,192,000 | 6 | $ 320,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 670,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 540,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 850,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 740,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 302,668,929,000 | 5 | $ 645,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 660,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 4 | $ 680,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 4 | $ 650,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 4 | $ 870,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 4 | $ 530,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 4 | $ 590,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 350,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 590,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 3 | $ 1,105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 3 | $ 405,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 525,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 1,751,980,000 | 3 | $ 75,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,802,931,000 | 3 | $ 395,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 375,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 365,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 315,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 12,187,936,000 | 3 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 585,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 1,185,512,000 | 3 | $ 375,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 605,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 4,935,678,000 | 3 | $ 345,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 3 | $ 405,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 2 | $ 420,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 570,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 7,247,532,000 | 2 | $ 400,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ 821,445,000 | 2 | $ 390,000 |
| First New York Federal Credit Union 2 WALL STREET ALBANY, NY 12205 |
* | $ 326,321,000 | 2 | $ 140,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 2 | $ 480,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 2 | $ 160,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 170,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ 274,959,000 | 2 | $ 70,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 400,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 2 | $ 160,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 1,286,967,000 | 1 | $ 755,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 65,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 65,000 |
| Lincolnway Community Bank 1000 E LINCOLN HIGHWAY NEW LENOX, IL 60451 |
* | $ 209,763,000 | 1 | $ 165,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 105,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ -1,000 | 1 | $ 225,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 1 | $ 115,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 105,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 55,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 661,642,000 | 1 | $ 205,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 85,222,000 | 1 | $ 195,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 195,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 47,601,600,000 | 1 | $ 105,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 294,597,000 | 1 | $ 205,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 1,435,822,000 | 1 | $ 225,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 31,829,272,000 | 1 | $ 165,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 1 | $ 65,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,701,300,000 | 1 | $ 25,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 175,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 1 | $ 165,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 155,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 245,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 115,000 |
| Xcel Federal Credit Union 1460 BROAD STREET BLOOMFIELD, NJ 07003 |
* | $ 170,149,000 | 1 | $ 25,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 1 | $ 195,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,276,156,000 | 1 | $ 95,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,071,570,000 | 1 | $ 65,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 205,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ 896,328,000 | 1 | $ 395,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 275,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 65,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,408,923,000 | 1 | $ 35,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 115,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 664,284,000 | 1 | $ 255,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 8,400,747,000 | 1 | $ 15,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 930,533,000 | 1 | $ 85,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 45,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 364,059,000 | 1 | $ 265,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,220,086,000 | 1 | $ 35,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 135,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 297,303,000 | 1 | $ 165,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 578,076,000 | 1 | $ 145,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 225,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,216,671,000 | 1 | $ 135,000 |
| Wall Street Mortgage Bankers, Ltd. dba Power Expre 1010 NORTHERN BLVD., SUITE 336 GREAT NECK, NY 11021 |
* | $ -1,000 | 1 | $ 105,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 255,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 581,669,000 | 1 | $ 735,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 1,071,979,000 | 1 | $ 105,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 27,614,851,000 | 1 | $ 255,000 |
| Guardhill Financial LLC 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ -1,000 | 1 | $ 115,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 3,538,467,000 | 1 | $ 125,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 1 | $ 245,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2019 mortgage applications in Otsego 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 Otsego 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 | 791 | $123,295,000 | $155,000 | $845,000 | $98,000 | $857,000 |
| Refinancing | 328 | $45,330,000 | $138,000 | $605,000 | $90,000 | $457,000 |
| Cash-out Refinancing | 202 | $29,630,000 | $146,000 | $485,000 | $81,000 | $472,000 |
| Home Improvement | 189 | $13,675,000 | $72,000 | $755,000 | $96,000 | $1,028,000 |
| Other Purpose | 159 | $12,955,000 | $81,000 | $355,000 | $84,000 | $706,000 |
| Not Applicable | 19 | $2,455,000 | $129,000 | $425,000 | $0 | $0 |
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 | 1,328 | $173,040,000 | $130,000 | $845,000 | $93,000 | $1,028,000 |
| Not Provided | 178 | $24,820,000 | $139,000 | $725,000 | $89,000 | $524,000 |
| Not applicable | 108 | $18,900,000 | $175,000 | $755,000 | $66,000 | $123,000 |
| Hispanic | 29 | $4,165,000 | $143,000 | $275,000 | $80,000 | $182,000 |
| Asian | 20 | $3,540,000 | $177,000 | $425,000 | $129,000 | $706,000 |
| Black or African American | 14 | $1,920,000 | $137,000 | $305,000 | $88,000 | $314,000 |
| American Indian or Alaskan Native | 7 | $525,000 | $75,000 | $135,000 | $83,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $83,000 | $83,000 |
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) | 1,282 | $169,900,000 | $132,000 | $845,000 | $101,000 | $1,028,000 |
| FHA-insured (Federal Housing Administration) | 265 | $35,105,000 | $132,000 | $325,000 | $58,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 92 | $16,430,000 | $178,000 | $355,000 | $72,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,905,000 | $120,000 | $185,000 | $51,000 | $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 | 896 | $125,550,000 | $140,000 | $845,000 | $101,000 | $1,028,000 |
| Application Denied By Financial Institution | 391 | $44,595,000 | $114,000 | $845,000 | $69,000 | $857,000 |
| Loan Purchased By The Institution | 158 | $25,740,000 | $162,000 | $755,000 | $110,000 | $610,000 |
| Application Withdrawn By Applicant | 153 | $20,735,000 | $135,000 | $565,000 | $95,000 | $625,000 |
| File Closed For Incompleteness | 65 | $8,815,000 | $135,000 | $435,000 | $89,000 | $371,000 |
| Application Approved But Not Accepted | 24 | $1,700,000 | $70,000 | $205,000 | $85,000 | $561,000 |
| Preapproval Denied by Financial Institution | 1 | $205,000 | $205,000 | $205,000 | $72,000 | $72,000 |
| Preapproval Approved but not Accepted | 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 | 1,247 | $173,235,000 | $138,000 | $845,000 | $97,000 | $792,000 |
| Debt-To-Income Ratio | 178 | $22,900,000 | $128,000 | $495,000 | $85,000 | $1,028,000 |
| Collateral | 92 | $11,520,000 | $125,000 | $755,000 | $79,000 | $392,000 |
| Credit History | 70 | $6,060,000 | $86,000 | $485,000 | $69,000 | $472,000 |
| Other | 39 | $5,885,000 | $150,000 | $845,000 | $92,000 | $857,000 |
| Credit Application Incomplete | 33 | $4,895,000 | $148,000 | $485,000 | $88,000 | $300,000 |
| Unverifiable Information | 19 | $1,795,000 | $94,000 | $205,000 | $77,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $725,000 | $103,000 | $205,000 | $46,000 | $86,000 |
| Employment History | 3 | $325,000 | $108,000 | $255,000 | $43,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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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