St. Lawrence County, NY Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 2,450 mortgage applications in St. Lawrence County, NY totaling $312.3 million, up 21% from 2020. The average application was for $127,000, and applicants reported an average income of $93,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was Community Bank, N.A., with 517 applications, followed by Northern Credit Union and Keybank National Association.
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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 | 2,450 |
| Total Mortgage Loan Application Amount | $312,290,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,096,000 |
* 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 |
* | $ 11,209,976,000 | 517 | $ 50,135,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 282,729,000 | 182 | $ 20,400,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 155 | $ 16,845,000 |
| Gouverneur Savings & Loan 42 CHURCH STREET GOUVERNEUR, NY 13642 |
* | $ 125,637,000 | 134 | $ 18,210,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 114 | $ 13,020,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 83 | $ 13,395,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 80 | $ 9,750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 50 | $ 6,330,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 574,696,000 | 46 | $ 7,070,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 38 | $ 4,570,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 35 | $ 5,715,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 32 | $ 2,020,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 31 | $ 4,125,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 28 | $ 3,360,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 25 | $ 2,095,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 24 | $ 4,550,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 23 | $ 4,265,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 22 | $ 2,990,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 22 | $ 3,950,000 |
| Carthage Savings and Loan, National Association 313 STATE STREET CARTHAGE, NY 13619 |
* | $ 245,980,000 | 21 | $ 2,355,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 20 | $ 3,810,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 17 | $ 2,945,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 17 | $ 1,815,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 16 | $ 2,930,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 14 | $ 3,640,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 13 | $ 1,515,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 13 | $ 1,375,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 12 | $ 1,850,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 12 | $ 1,750,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,123,482,000 | 11 | $ 1,435,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 11 | $ 1,625,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 11 | $ 1,545,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,515,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 9 | $ 795,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 8 | $ 930,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 8 | $ 910,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 8 | $ 1,220,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,490,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 1,570,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 7 | $ 725,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,504,251,000 | 7 | $ 1,005,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 740,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 6 | $ 820,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 870,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 525,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 585,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 5 | $ 875,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 815,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 735,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 5 | $ 645,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 960,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 660,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 4 | $ 850,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 4 | $ 430,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 4 | $ 990,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 4 | $ 680,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 590,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 610,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 4 | $ 660,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 4 | $ 750,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 480,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 415,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 255,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 3 | $ 595,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 3 | $ 325,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 3 | $ 585,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 3 | $ 495,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 3 | $ 285,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,528,719,000 | 3 | $ 525,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 3 | $ 245,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 355,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 2 | $ 180,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 2 | $ 450,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 520,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 2 | $ 230,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 350,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 9,467,660,000 | 2 | $ 140,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 240,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 7,508,575,000 | 2 | $ 310,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 540,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 820,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 360,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 4,055,933,000 | 2 | $ 210,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ -1,000 | 2 | $ 510,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 250,000 |
| Garden Savings Federal Credit Union LITTLETON ROAD PARSIPPANY, NJ 07054 |
* | $ 376,002,000 | 2 | $ 200,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 35,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 1 | $ 245,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 1 | $ 145,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 155,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 185,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 473,195,000 | 1 | $ 55,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 1 | $ 495,000 |
| Eaglebank 11931 TECH RD SILVER SPRING, MD 20904 |
* | $ 8,950,172,000 | 1 | $ 145,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,063,683,000 | 1 | $ 65,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 13,181,399,000 | 1 | $ 145,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 95,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 295,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 4,703,101,000 | 1 | $ 385,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 215,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 185,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,843,868,000 | 1 | $ 45,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 1 | $ 445,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 195,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 2,474,885,000 | 1 | $ 65,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 6,073,827,000 | 1 | $ 235,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 319,196,000 | 1 | $ 215,000 |
| Seacomm Federal Credit Union 30 STEARNS ST MASSENA, NY 13662 |
* | $ -1,000 | 1 | $ 225,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 95,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 492,964,000 | 1 | $ 235,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 451,290,000 | 1 | $ 115,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,361,090,000 | 1 | $ 115,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 1,943,306,000 | 1 | $ 15,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 934,604,000 | 1 | $ 135,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 1 | $ 295,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 165,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,100,500,000 | 1 | $ 275,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 29,303,000,000 | 1 | $ 605,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 877,982,000 | 1 | $ 255,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 85,000 |
| 1st 2nd Mortgage Company of N.J., Inc. 50 SPRING ST CRESSKILL, NJ 07626 |
* | $ -1,000 | 1 | $ 175,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 325,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 656,261,000 | 1 | $ 105,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,813,674,000 | 1 | $ 115,000 |
| National Bank of Coxsackie 3 - 7 REED STREET COXSACKIE, NY 12051 |
* | $ 325,368,000 | 1 | $ 325,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ 2,381,624,000 | 1 | $ 105,000 |
The tables below break down 2021 mortgage applications in St. Lawrence 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 St. Lawrence County, NY in 2021
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 | 1,206 | $165,550,000 | $137,000 | $605,000 | $88,000 | $922,000 |
| Refinancing | 748 | $88,500,000 | $118,000 | $485,000 | $96,000 | $990,000 |
| Cash-out Refinancing | 265 | $41,015,000 | $154,000 | $545,000 | $99,000 | $569,000 |
| Home Improvement | 123 | $7,815,000 | $63,000 | $405,000 | $106,000 | $887,000 |
| Other Purpose | 89 | $7,785,000 | $87,000 | $455,000 | $110,000 | $1,096,000 |
| Not Applicable | 19 | $1,625,000 | $85,000 | $165,000 | $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 | 1,942 | $240,510,000 | $123,000 | $545,000 | $91,000 | $922,000 |
| Not Provided | 295 | $42,125,000 | $142,000 | $605,000 | $105,000 | $1,096,000 |
| Not applicable | 116 | $16,530,000 | $142,000 | $495,000 | $123,000 | $546,000 |
| American Indian or Alaskan Native | 31 | $4,535,000 | $146,000 | $445,000 | $94,000 | $390,000 |
| Hispanic | 25 | $3,455,000 | $138,000 | $325,000 | $109,000 | $546,000 |
| Asian | 22 | $3,280,000 | $149,000 | $275,000 | $90,000 | $158,000 |
| Black or African American | 14 | $1,460,000 | $104,000 | $215,000 | $56,000 | $207,000 |
| 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) | 1,866 | $229,830,000 | $123,000 | $605,000 | $99,000 | $1,096,000 |
| FHA-insured (Federal Housing Administration) | 316 | $37,710,000 | $119,000 | $415,000 | $60,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 226 | $40,760,000 | $180,000 | $505,000 | $80,000 | $569,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $3,990,000 | $95,000 | $225,000 | $49,000 | $133,000 |
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 | 1,518 | $194,350,000 | $128,000 | $545,000 | $97,000 | $1,096,000 |
| Application Denied By Financial Institution | 385 | $42,875,000 | $111,000 | $455,000 | $74,000 | $887,000 |
| Application Withdrawn By Applicant | 228 | $32,320,000 | $141,000 | $605,000 | $104,000 | $990,000 |
| Loan Purchased By The Institution | 182 | $25,030,000 | $137,000 | $455,000 | $91,000 | $546,000 |
| File Closed For Incompleteness | 66 | $7,980,000 | $120,000 | $315,000 | $94,000 | $440,000 |
| Application Approved But Not Accepted | 64 | $8,760,000 | $136,000 | $455,000 | $86,000 | $379,000 |
| Preapproval Approved but not Accepted | 7 | $975,000 | $139,000 | $255,000 | $43,000 | $88,000 |
| 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 | 2,044 | $266,890,000 | $130,000 | $605,000 | $97,000 | $1,096,000 |
| Debt-To-Income Ratio | 123 | $15,235,000 | $123,000 | $455,000 | $72,000 | $379,000 |
| Collateral | 93 | $11,585,000 | $124,000 | $355,000 | $83,000 | $366,000 |
| Credit History | 76 | $6,180,000 | $81,000 | $285,000 | $71,000 | $324,000 |
| Other | 59 | $5,935,000 | $100,000 | $325,000 | $89,000 | $887,000 |
| Credit Application Incomplete | 32 | $3,980,000 | $124,000 | $415,000 | $74,000 | $171,000 |
| Unverifiable Information | 10 | $1,390,000 | $139,000 | $275,000 | $83,000 | $263,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $490,000 | $81,000 | $165,000 | $43,000 | $65,000 |
| Employment History | 5 | $485,000 | $97,000 | $225,000 | $42,000 | $93,000 |
| Mortgage Insurance Denied | 2 | $120,000 | $60,000 | $65,000 | $47,000 | $56,000 |
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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