Tioga County, NY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,638 mortgage applications in Tioga County, NY totaling $214.3 million, down 19% from 2021. The average application was for $130,000, and applicants reported an average income of $85,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Visions Federal Credit Union, with 336 applications, followed by Tioga State Bank, N.A. and M&T Bank.
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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 | 1,638 |
| Total Mortgage Loan Application Amount | $214,280,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,288,000 |
* 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 |
|---|---|---|---|---|
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,621,672,000 | 336 | $ 37,770,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 548,737,000 | 113 | $ 12,895,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 97 | $ 11,625,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 58 | $ 7,800,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 58 | $ 11,040,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 51 | $ 6,375,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,311,213,000 | 49 | $ 5,625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 43 | $ 6,135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 42 | $ 4,850,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 34 | $ 5,620,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,413,407,000 | 31 | $ 2,935,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 27 | $ 2,025,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 26 | $ 4,450,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,377,119,000 | 26 | $ 2,970,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,919,970,000 | 24 | $ 2,930,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 21 | $ 3,415,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 18 | $ 2,760,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 17 | $ 1,005,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 17 | $ 2,045,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,655,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 17 | $ 1,595,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 16 | $ 2,140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 2,815,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 14 | $ 1,990,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 13 | $ 1,375,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 13 | $ 1,845,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 2,140,937,000 | 13 | $ 1,835,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 12 | $ 2,170,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 12 | $ 990,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 477,210,000 | 11 | $ 1,585,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 2,015,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 11 | $ 1,895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,625,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 11 | $ 1,475,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,136,862,000 | 10 | $ 860,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,495,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,453,893,000 | 8 | $ 1,670,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 632,395,000 | 8 | $ 1,190,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 8 | $ 660,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 8 | $ 1,490,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 7 | $ 1,015,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 7 | $ 1,815,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 7 | $ 505,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 820,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 1,195,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 5 | $ 705,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 445,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 835,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 224,015,000 | 5 | $ 635,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 755,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 390,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 590,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 4 | $ 390,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 650,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 515,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 3 | $ 305,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 3 | $ 485,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 245,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 165,817,000 | 3 | $ 105,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 3 | $ 785,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 475,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 250,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 2 | $ 270,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 979,606,000 | 2 | $ 410,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 2 | $ 160,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 2,780,799,000 | 2 | $ 80,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 290,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 2 | $ 110,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 2 | $ 360,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 2 | $ 130,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 419,979,000 | 2 | $ 200,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 320,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 230,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 400,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 250,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 100,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 2 | $ 410,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 190,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 380,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 1 | $ 295,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 95,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ 3,366,863,000 | 1 | $ 145,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,206,940,000 | 1 | $ 35,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 65,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 255,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 375,000 |
| The Honesdale National Bank 38 NORTH FRANKIN STREET WILKES BARRE, PA 18701 |
* | $ 944,670,000 | 1 | $ 185,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 145,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 175,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 55,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 1 | $ 205,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ 434,590,000 | 1 | $ 95,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 135,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ -1,000 | 1 | $ 265,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 601,636,000 | 1 | $ 85,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ -1,000 | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 135,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 1 | $ 35,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,151,137,000 | 1 | $ 1,205,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 375,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ 3,961,334,000 | 1 | $ 105,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,713,318,000 | 1 | $ 205,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 1,281,403,000 | 1 | $ 35,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 3,077,235,000 | 1 | $ 155,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 637,085,000 | 1 | $ 105,000 |
| Eaglebank 11931 TECH RD BETHESDA, MD 20814 |
* | $ 11,799,111,000 | 1 | $ 235,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 1 | $ 155,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 255,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 646,515,000 | 1 | $ 55,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 1 | $ 225,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 85,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 1 | $ 365,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 275,000 |
| Cayuga Lake National Bank 165 CAYUGA ST UNION SPRINGS, NY 13160 |
* | $ 237,610,000 | 1 | $ 115,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 275,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,259,576,000 | 1 | $ 75,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2022 mortgage applications in Tioga 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 Tioga County, NY in 2022
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 | 887 | $142,555,000 | $160,000 | $1,205,000 | $83,000 | $1,288,000 |
| Home Improvement | 216 | $13,600,000 | $62,000 | $505,000 | $87,000 | $294,000 |
| Cash-out Refinancing | 214 | $30,130,000 | $140,000 | $1,455,000 | $93,000 | $1,200,000 |
| Refinancing | 155 | $17,945,000 | $115,000 | $805,000 | $82,000 | $369,000 |
| Other Purpose | 153 | $9,105,000 | $59,000 | $305,000 | $84,000 | $328,000 |
| Not Applicable | 13 | $945,000 | $72,000 | $145,000 | $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 | 1,250 | $158,140,000 | $126,000 | $645,000 | $86,000 | $1,288,000 |
| Not Provided | 198 | $23,200,000 | $117,000 | $365,000 | $78,000 | $300,000 |
| Not applicable | 118 | $22,310,000 | $189,000 | $1,455,000 | $73,000 | $107,000 |
| Hispanic | 27 | $4,175,000 | $154,000 | $405,000 | $89,000 | $388,000 |
| Black or African American | 18 | $2,220,000 | $123,000 | $295,000 | $74,000 | $141,000 |
| Asian | 15 | $2,835,000 | $189,000 | $465,000 | $101,000 | $158,000 |
| American Indian or Alaskan Native | 4 | $480,000 | $120,000 | $225,000 | $99,000 | $162,000 |
| 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) | 1,296 | $160,670,000 | $123,000 | $1,455,000 | $88,000 | $1,288,000 |
| FHA-insured (Federal Housing Administration) | 242 | $34,640,000 | $143,000 | $345,000 | $66,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 85 | $16,805,000 | $197,000 | $505,000 | $78,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,165,000 | $144,000 | $245,000 | $79,000 | $105,000 |
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 | 932 | $127,040,000 | $136,000 | $1,455,000 | $88,000 | $414,000 |
| Application Denied By Financial Institution | 273 | $29,045,000 | $106,000 | $505,000 | $68,000 | $300,000 |
| Application Withdrawn By Applicant | 190 | $26,670,000 | $140,000 | $1,125,000 | $96,000 | $1,288,000 |
| Loan Purchased By The Institution | 121 | $18,925,000 | $156,000 | $405,000 | $89,000 | $278,000 |
| File Closed For Incompleteness | 65 | $7,025,000 | $108,000 | $275,000 | $93,000 | $1,200,000 |
| Application Approved But Not Accepted | 53 | $5,245,000 | $98,000 | $225,000 | $69,000 | $237,000 |
| Preapproval Approved but not Accepted | 4 | $330,000 | $82,000 | $135,000 | $71,000 | $90,000 |
| 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 | 1,246 | $171,280,000 | $137,000 | $1,455,000 | $89,000 | $1,288,000 |
| Debt-To-Income Ratio | 194 | $23,550,000 | $121,000 | $805,000 | $73,000 | $328,000 |
| Credit History | 87 | $7,905,000 | $90,000 | $375,000 | $67,000 | $205,000 |
| Collateral | 54 | $5,920,000 | $109,000 | $365,000 | $85,000 | $238,000 |
| Other | 29 | $2,635,000 | $90,000 | $505,000 | $72,000 | $145,000 |
| Credit Application Incomplete | 14 | $1,600,000 | $114,000 | $165,000 | $60,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $670,000 | $111,000 | $145,000 | $61,000 | $75,000 |
| Employment History | 4 | $340,000 | $85,000 | $165,000 | $61,000 | $83,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $155,000 | $92,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $35,000 | $35,000 | $35,000 | $79,000 | $79,000 |
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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