Steuben County, NY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 2,399 mortgage applications in Steuben County, NY totaling $288.8 million, down 23% from 2022. The average application was for $120,000, and applicants reported an average income of $95,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was Corning Credit Union, with 474 applications, followed by Servu Federal Credit Union and Community Bank, N.A..
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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 | 2,399 |
| Total Mortgage Loan Application Amount | $288,795,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $2,050,000 |
* 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 |
|---|---|---|---|---|
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,247,746,000 | 474 | $ 49,280,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 440,547,000 | 331 | $ 24,015,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 236 | $ 27,060,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 684,267,000 | 159 | $ 14,895,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 71 | $ 11,015,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 5,756,441,000 | 64 | $ 5,900,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 58 | $ 10,170,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 49 | $ 8,605,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 48 | $ 7,270,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 9,158,466,000 | 44 | $ 4,310,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 42 | $ 2,920,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 39 | $ 3,885,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,439,371,000 | 36 | $ 4,500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 34 | $ 6,870,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 34 | $ 3,740,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 32 | $ 4,540,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 32 | $ 3,540,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,641,568,000 | 32 | $ 2,810,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 28 | $ 4,150,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,753,561,000 | 27 | $ 6,215,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 24 | $ 3,780,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,548,911,000 | 22 | $ 1,960,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,739,658,000 | 22 | $ 6,370,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 16 | $ 3,060,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 15 | $ 5,115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 14 | $ 1,710,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 14 | $ 2,880,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 13 | $ 1,515,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 13 | $ 2,355,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 13 | $ 1,455,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 1,495,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 3,193,673,000 | 9 | $ 1,215,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 9 | $ 1,295,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 1,116,398,000 | 8 | $ 2,020,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 8 | $ 870,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 8 | $ 1,440,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 1,550,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 7 | $ 725,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 7 | $ 1,095,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 7 | $ 865,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 7 | $ 475,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 649,833,000 | 7 | $ 325,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 6 | $ 940,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 6 | $ 750,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 830,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,090,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 400,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 725,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,325,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 384,938,000 | 4 | $ 360,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 4 | $ 630,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 4 | $ 560,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 560,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 720,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 4 | $ 550,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,485,149,000 | 3 | $ 595,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 595,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 542,205,000 | 3 | $ 585,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 3 | $ 365,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 405,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 3 | $ 145,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 335,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 7,630,619,000 | 3 | $ 745,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 355,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 3 | $ 85,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 3 | $ 415,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 2,048,365,000 | 2 | $ 940,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 551,380,000 | 2 | $ 500,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 180,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 350,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 11,281,243,000 | 2 | $ 360,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 480,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 170,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 180,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ 142,492,000 | 2 | $ 120,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 7,999,108,000 | 2 | $ 40,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 550,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 2 | $ 110,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 2 | $ 320,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 2 | $ 170,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 2 | $ 150,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,295,200,000 | 2 | $ 160,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 2 | $ 550,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 80,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 550,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 2 | $ 80,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ -1,000 | 1 | $ 165,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 7,207,694,000 | 1 | $ 175,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,696,102,000 | 1 | $ 295,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 55,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 1 | $ 25,000 |
| Ukrainian Selfreliance Federal Credit Union 1729 COTTMAN AVE FEASTERVILLE, PA 19053 |
* | $ 480,156,000 | 1 | $ 375,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 1 | $ 155,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 1 | $ 165,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 225,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 265,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,659,908,000 | 1 | $ 55,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 1 | $ 325,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 985,740,000 | 1 | $ 45,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,801,604,000 | 1 | $ 55,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,453,779,000 | 1 | $ 105,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 135,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 1 | $ 85,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 155,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 165,000 |
| Suffolk Federal Credit Union 3681 HORSEBLOCK ROAD MEDFORD, NY 11763 |
* | $ 1,697,684,000 | 1 | $ 185,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 307,327,000 | 1 | $ 65,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 308,456,000 | 1 | $ 175,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 365,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 2,163,105,000 | 1 | $ 65,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 145,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 175,000 |
| The Honesdale National Bank 38 NORTH FRANKIN STREET WILKES BARRE, PA 18701 |
* | $ 921,260,000 | 1 | $ 355,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 55,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 165,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 145,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 445,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 345,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 35,000 |
The tables below break down 2023 mortgage applications in Steuben 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 Steuben County, NY in 2023
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 | $193,180,000 | $160,000 | $1,505,000 | $98,000 | $1,143,000 |
| Other Purpose | 444 | $26,730,000 | $60,000 | $605,000 | $90,000 | $975,000 |
| Home Improvement | 337 | $20,255,000 | $60,000 | $855,000 | $102,000 | $2,050,000 |
| Refinancing | 212 | $22,620,000 | $106,000 | $1,105,000 | $83,000 | $294,000 |
| Cash-out Refinancing | 191 | $25,055,000 | $131,000 | $605,000 | $89,000 | $556,000 |
| Not Applicable | 9 | $955,000 | $106,000 | $615,000 | $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 | 1,895 | $214,375,000 | $113,000 | $1,505,000 | $93,000 | $2,050,000 |
| Not applicable | 217 | $37,475,000 | $172,000 | $1,505,000 | $64,000 | $117,000 |
| Not Provided | 184 | $21,880,000 | $118,000 | $645,000 | $95,000 | $1,143,000 |
| Hispanic | 33 | $5,025,000 | $152,000 | $575,000 | $104,000 | $513,000 |
| Black or African American | 31 | $4,255,000 | $137,000 | $535,000 | $121,000 | $395,000 |
| Asian | 26 | $4,660,000 | $179,000 | $535,000 | $169,000 | $440,000 |
| American Indian or Alaskan Native | 7 | $635,000 | $90,000 | $165,000 | $64,000 | $93,000 |
| 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) | 1,991 | $225,605,000 | $113,000 | $1,505,000 | $98,000 | $2,050,000 |
| FHA-insured (Federal Housing Administration) | 261 | $36,915,000 | $141,000 | $445,000 | $68,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 115 | $22,485,000 | $195,000 | $405,000 | $87,000 | $234,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,790,000 | $118,000 | $165,000 | $59,000 | $140,000 |
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 | 1,488 | $183,070,000 | $123,000 | $1,505,000 | $101,000 | $2,050,000 |
| Application Denied By Financial Institution | 357 | $30,655,000 | $85,000 | $445,000 | $70,000 | $389,000 |
| Application Withdrawn By Applicant | 211 | $26,715,000 | $126,000 | $1,205,000 | $87,000 | $1,143,000 |
| Loan Purchased By The Institution | 179 | $29,985,000 | $167,000 | $1,505,000 | $101,000 | $300,000 |
| File Closed For Incompleteness | 82 | $7,290,000 | $88,000 | $345,000 | $100,000 | $975,000 |
| Application Approved But Not Accepted | 82 | $11,080,000 | $135,000 | $1,075,000 | $105,000 | $750,000 |
| 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 | 1,738 | $235,420,000 | $135,000 | $1,505,000 | $104,000 | $2,050,000 |
| Debt-To-Income Ratio | 416 | $33,430,000 | $80,000 | $445,000 | $71,000 | $260,000 |
| Credit History | 109 | $6,875,000 | $63,000 | $265,000 | $75,000 | $240,000 |
| Collateral | 65 | $5,775,000 | $88,000 | $245,000 | $85,000 | $389,000 |
| Other | 45 | $3,825,000 | $85,000 | $255,000 | $77,000 | $214,000 |
| Credit Application Incomplete | 12 | $1,860,000 | $155,000 | $435,000 | $86,000 | $165,000 |
| Unverifiable Information | 7 | $625,000 | $89,000 | $165,000 | $61,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $590,000 | $147,000 | $285,000 | $90,000 | $200,000 |
| Employment History | 3 | $395,000 | $131,000 | $135,000 | $47,000 | $57,000 |
| 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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