Tompkins County, NY Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 2,068 mortgage applications in Tompkins County, NY totaling $473.8 million, up 12% from 2018. The average application was for $229,000, and applicants reported an average income of $112,000. 69% of applications resulted in an originated loan and 13% were denied. The most active lender was Beginnings Credit Union, with 363 applications, followed by Tompkins Community Bank and Elmira Savings 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 | 2,068 |
| Total Mortgage Loan Application Amount | $473,815,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $39,215,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $2,270,000 |
* 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 |
|---|---|---|---|---|
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ 1,062,789,000 | 363 | $ 62,025,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,111,175,000 | 297 | $ 70,365,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 590,217,000 | 245 | $ 56,905,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 105 | $ 21,335,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 109,478,000 | 89 | $ 11,015,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 59 | $ 10,685,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 57 | $ 10,505,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 57 | $ 12,295,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 137,976,503,000 | 51 | $ 6,765,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,751,794,000 | 49 | $ 12,475,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 10,412,127,000 | 39 | $ 4,335,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ 182,939,000 | 38 | $ 3,440,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,187,734,000 | 36 | $ 7,340,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 483,741,000 | 33 | $ 4,575,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 27 | $ 4,435,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,408,923,000 | 26 | $ 4,290,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 24 | $ 4,260,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 4,805,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 21 | $ 5,135,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,492,332,000 | 18 | $ 1,760,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 18 | $ 3,380,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 1,045,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 15 | $ 2,285,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13045 |
* | $ 169,762,000 | 14 | $ 1,760,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 14 | $ 2,500,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 13 | $ 725,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 13 | $ 2,485,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 13 | $ 1,725,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 11 | $ 1,915,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,655,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 8 | $ 1,740,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 6 | $ 1,390,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 1,000,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 6 | $ 410,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 5 | $ 345,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,276,156,000 | 5 | $ 2,355,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 371,947,000 | 4 | $ 880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 570,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 302,668,929,000 | 4 | $ 960,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 4 | $ 960,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 385,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,578,708,000 | 3 | $ 185,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 565,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 1,085,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 685,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 535,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 3 | $ 785,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 3 | $ 335,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 3 | $ 705,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 725,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 295,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 175,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ -1,000 | 3 | $ 40,240,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 1,435,822,000 | 3 | $ 475,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 901,881,000 | 3 | $ 215,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 3 | $ 1,565,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 410,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 2 | $ 180,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 220,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 16,110,188,000 | 2 | $ 850,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 2 | $ 500,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,802,931,000 | 2 | $ 2,960,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,272,439,000 | 2 | $ 620,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 75,169,000,000 | 2 | $ 580,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 210,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 3,755,479,000 | 2 | $ 280,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 2 | $ 530,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 2 | $ 460,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 160,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 650,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 2 | $ 320,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 270,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 120,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 10,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 234,032,000,000 | 2 | $ 330,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 180,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 13,690,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 7,233,529,000 | 2 | $ 23,110,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 375,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 95,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ 570,760,000 | 1 | $ 155,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 27,614,851,000 | 1 | $ 665,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 405,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 3,538,467,000 | 1 | $ 125,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 415,000 |
| Fidelity Deposit & Discount Bank 101 N BLAKELY ST SCRANTON, PA 18512 |
* | $ 983,134,000 | 1 | $ 145,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 8,530,262,000 | 1 | $ 325,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 308,228,000 | 1 | $ 165,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,039,284,000 | 1 | $ 205,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 155,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 581,669,000 | 1 | $ 125,000 |
| Summit Mortgage Bankers, Inc. 3660 MAIN STREET, 3RD FLOOR FLUSHING, NY 11354 |
* | $ -1,000 | 1 | $ 295,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 235,000 |
| Mass. Institute of Tech. Federal Credit Union 700 TECHNOLOGY SQUARE CAMBRIDGE, MA 02139 |
* | $ 564,203,000 | 1 | $ 55,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 1 | $ 185,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,951,637,000 | 1 | $ 225,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 5,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 275,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 8,400,747,000 | 1 | $ 325,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 930,533,000 | 1 | $ 65,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,081,698,000 | 1 | $ 125,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 1,682,487,000 | 1 | $ 35,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 425,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 85,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 315,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ 908,130,000 | 1 | $ 25,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 143,106,000 | 1 | $ 125,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 1 | $ 135,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 195,411,000 | 1 | $ 385,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 9,873,896,000 | 1 | $ 275,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 115,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 405,435,000 | 1 | $ 275,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 165,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,848,430,000 | 1 | $ 35,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 275,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 45,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 31,829,272,000 | 1 | $ 135,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 105,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ -1,000 | 1 | $ 115,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 241,136,000 | 1 | $ 335,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 265,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 175,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 155,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 77,243,612,000 | 1 | $ 155,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 1 | $ 365,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 169,812,442,000 | 1 | $ 135,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 144,192,000 | 1 | $ 65,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 9,701,569,000 | 1 | $ 4,935,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 155,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 215,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 2,274,624,000 | 1 | $ 95,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 12,179,508,000 | 1 | $ 245,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 535,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 535,000 |
The tables below break down 2019 mortgage applications in Tompkins 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 Tompkins 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 | 1,072 | $259,620,000 | $242,000 | $13,315,000 | $117,000 | $2,270,000 |
| Cash-out Refinancing | 389 | $73,105,000 | $187,000 | $2,605,000 | $108,000 | $855,000 |
| Refinancing | 270 | $111,255,000 | $413,000 | $39,215,000 | $106,000 | $466,000 |
| Other Purpose | 178 | $17,440,000 | $97,000 | $525,000 | $99,000 | $682,000 |
| Home Improvement | 145 | $10,765,000 | $74,000 | $555,000 | $112,000 | $491,000 |
| Not Applicable | 14 | $1,630,000 | $116,000 | $215,000 | $60,000 | $60,000 |
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 | 1,524 | $263,240,000 | $172,000 | $1,025,000 | $115,000 | $2,270,000 |
| Not Provided | 229 | $44,195,000 | $192,000 | $885,000 | $102,000 | $1,113,000 |
| Not applicable | 125 | $128,140,000 | $1,033,000 | $39,215,000 | $123,000 | $235,000 |
| Asian | 89 | $22,315,000 | $250,000 | $595,000 | $116,000 | $447,000 |
| Hispanic | 48 | $8,260,000 | $172,000 | $385,000 | $97,000 | $283,000 |
| Black or African American | 32 | $4,190,000 | $130,000 | $255,000 | $81,000 | $177,000 |
| American Indian or Alaskan Native | 10 | $1,440,000 | $144,000 | $325,000 | $79,000 | $171,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,280,000 | $213,000 | $425,000 | $55,000 | $63,000 |
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) | 1,791 | $421,590,000 | $235,000 | $39,215,000 | $116,000 | $2,270,000 |
| FHA-insured (Federal Housing Administration) | 189 | $33,455,000 | $177,000 | $365,000 | $79,000 | $297,000 |
| VA-guaranteed (Veterans Administration) | 78 | $17,440,000 | $223,000 | $545,000 | $86,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,330,000 | $133,000 | $185,000 | $56,000 | $87,000 |
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 | 1,436 | $370,665,000 | $258,000 | $39,215,000 | $118,000 | $2,270,000 |
| Application Denied By Financial Institution | 262 | $34,310,000 | $130,000 | $725,000 | $83,000 | $780,000 |
| Application Withdrawn By Applicant | 157 | $31,245,000 | $199,000 | $1,085,000 | $121,000 | $1,496,000 |
| Loan Purchased By The Institution | 117 | $23,115,000 | $197,000 | $495,000 | $98,000 | $291,000 |
| Application Approved But Not Accepted | 60 | $8,890,000 | $148,000 | $545,000 | $111,000 | $491,000 |
| File Closed For Incompleteness | 36 | $5,590,000 | $155,000 | $635,000 | $79,000 | $310,000 |
| 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 | 1,778 | $436,005,000 | $245,000 | $39,215,000 | $117,000 | $2,270,000 |
| Debt-To-Income Ratio | 121 | $17,085,000 | $141,000 | $725,000 | $68,000 | $290,000 |
| Credit History | 60 | $6,770,000 | $112,000 | $665,000 | $96,000 | $725,000 |
| Collateral | 48 | $5,270,000 | $109,000 | $385,000 | $95,000 | $330,000 |
| Other | 30 | $3,680,000 | $122,000 | $485,000 | $108,000 | $780,000 |
| Credit Application Incomplete | 23 | $3,665,000 | $159,000 | $355,000 | $71,000 | $196,000 |
| Unverifiable Information | 5 | $535,000 | $107,000 | $155,000 | $88,000 | $237,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $645,000 | $645,000 | $645,000 | $612,000 | $612,000 |
| Mortgage Insurance Denied | 1 | $105,000 | $105,000 | $105,000 | $166,000 | $166,000 |
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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