Tompkins County, NY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,921 mortgage applications in Tompkins County, NY totaling $479.8 million, down 29% from 2021. The average application was for $249,000, and applicants reported an average income of $130,000. 71% of applications resulted in an originated loan and 12% were denied. The most active lender was Beginnings Credit Union, with 381 applications, followed by Tompkins Community Bank 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 | 1,921 |
| Total Mortgage Loan Application Amount | $479,835,000 |
| Average Mortgage Loan Application Amount | $249,000 |
| Highest Mortgage Loan Application Amount | $15,305,000 |
| Average Applicant Income | $130,000 |
| Highest Applicant Income | $3,540,000 |
* 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 |
* | $ 1,377,119,000 | 381 | $ 99,705,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,453,893,000 | 260 | $ 91,600,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,323,828,000 | 146 | $ 31,390,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 5,621,672,000 | 94 | $ 18,590,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 87 | $ 18,685,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 632,395,000 | 87 | $ 18,095,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 51 | $ 14,995,000 |
| Cayuga Lake National Bank 165 CAYUGA ST UNION SPRINGS, NY 13160 |
* | $ 237,610,000 | 47 | $ 9,845,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 46 | $ 10,720,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 43 | $ 6,245,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 41 | $ 6,275,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 35 | $ 10,115,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ 548,737,000 | 33 | $ 5,325,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ 165,817,000 | 29 | $ 2,925,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 2,413,407,000 | 26 | $ 4,240,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 22 | $ 2,380,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 16 | $ 3,010,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 16 | $ 2,930,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 15 | $ 2,865,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 15 | $ 4,495,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 15 | $ 1,515,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,136,862,000 | 14 | $ 4,010,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 11,919,970,000 | 13 | $ 2,345,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 12 | $ 960,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 2,365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 10 | $ 2,140,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 2,541,059,000 | 10 | $ 1,640,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 9 | $ 1,375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 2,145,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 2,735,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 9 | $ 2,275,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 8 | $ 1,090,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 8 | $ 590,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,415,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 7 | $ 1,435,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,605,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,520,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 6 | $ 1,330,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 6 | $ 270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 6 | $ 1,260,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,420,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 5 | $ 1,165,000 |
| The Upstate National Bank 150 STATE ST OGDENSBURG, NY 14614 |
* | $ 247,699,000 | 5 | $ 2,475,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 5 | $ 1,045,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 5 | $ 1,695,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 4 | $ 1,170,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 4 | $ 860,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 545,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 745,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 3 | $ 945,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 3 | $ 365,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 455,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 305,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 1,035,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 185,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 3 | $ 695,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 575,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 705,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 5,447,073,000 | 3 | $ 95,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 979,606,000 | 3 | $ 1,275,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 770,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 161,574,000 | 2 | $ 330,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 2,938,711,000 | 2 | $ 240,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 2 | $ 880,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 2 | $ 910,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 646,515,000 | 2 | $ 270,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 2 | $ 470,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 14,928,781,000 | 2 | $ 630,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 601,636,000 | 2 | $ 480,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,626,303,000 | 2 | $ 600,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 620,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 2 | $ 230,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 360,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 990,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 6,018,212,000 | 2 | $ 660,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 560,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 2 | $ 240,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 145,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,311,213,000 | 1 | $ 145,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 475,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 415,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 155,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 565,000 |
| First Central Savings Bank 70 GLEN STREET GELN COVE, NY 11542 |
* | $ 763,755,000 | 1 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 205,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 1 | $ 375,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 1 | $ 35,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 185,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 205,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 335,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 365,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 195,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 1,075,788,000 | 1 | $ 175,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 4,151,137,000 | 1 | $ 365,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 245,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 265,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 415,000 |
| Kwik Mortgage Corporation 959 ROUTE 46 EAST, #401 PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 265,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 265,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ -1,000 | 1 | $ 205,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 215,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 375,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 434,075,000,000 | 1 | $ 575,000 |
| First Federal Bank of Kansas City LENEXA, KS 66211 |
* | $ 823,491,000 | 1 | $ 335,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ -1,000 | 1 | $ 495,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 2,780,799,000 | 1 | $ 15,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 335,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 155,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 395,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 419,979,000 | 1 | $ 195,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ 224,015,000 | 1 | $ 15,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 325,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,025,737,000 | 1 | $ 115,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 1,008,821,000 | 1 | $ 85,000 |
| American Bank of Commerce 530 US 62 FRONTAGE RD WOLFFORTH, TX 79382 |
* | $ 1,482,815,000 | 1 | $ 255,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 7,100,677,000 | 1 | $ 355,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 315,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 35,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 244,668,000 | 1 | $ 35,000 |
| Corevestamericanfinancelenderllc 1920 MAIN ST #850 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 15,005,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 1 | $ 435,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 185,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ -1,000 | 1 | $ 245,000 |
| Nextier Bank, National Association 245 PITTSBURGH RD KITTANNING, PA 16201 |
* | $ 1,912,495,000 | 1 | $ 6,785,000 |
The tables below break down 2022 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 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 | 1,047 | $287,315,000 | $274,000 | $4,505,000 | $137,000 | $838,000 |
| Cash-out Refinancing | 298 | $62,450,000 | $209,000 | $1,005,000 | $112,000 | $1,307,000 |
| Refinancing | 232 | $87,250,000 | $376,000 | $15,305,000 | $133,000 | $3,540,000 |
| Home Improvement | 184 | $23,620,000 | $128,000 | $6,785,000 | $129,000 | $604,000 |
| Other Purpose | 154 | $18,580,000 | $120,000 | $825,000 | $117,000 | $520,000 |
| Not Applicable | 6 | $620,000 | $103,000 | $185,000 | $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 | 1,351 | $293,205,000 | $217,000 | $12,765,000 | $125,000 | $3,540,000 |
| Not Provided | 229 | $54,735,000 | $239,000 | $1,285,000 | $142,000 | $1,307,000 |
| Not applicable | 101 | $73,705,000 | $729,000 | $15,305,000 | $132,000 | $201,000 |
| Asian | 99 | $28,325,000 | $286,000 | $745,000 | $156,000 | $614,000 |
| Hispanic | 62 | $12,630,000 | $203,000 | $615,000 | $112,000 | $306,000 |
| Black or African American | 44 | $8,560,000 | $194,000 | $605,000 | $172,000 | $1,039,000 |
| American Indian or Alaskan Native | 8 | $2,520,000 | $315,000 | $545,000 | $116,000 | $196,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $300,000 | $150,000 | $195,000 | $60,000 | $84,000 |
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) | 1,766 | $445,540,000 | $252,000 | $15,305,000 | $133,000 | $3,540,000 |
| FHA-insured (Federal Housing Administration) | 101 | $21,345,000 | $211,000 | $485,000 | $71,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 50 | $12,210,000 | $244,000 | $495,000 | $108,000 | $660,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $740,000 | $185,000 | $265,000 | $70,000 | $90,000 |
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 | 1,362 | $361,710,000 | $265,000 | $15,305,000 | $138,000 | $3,540,000 |
| Application Denied By Financial Institution | 223 | $36,795,000 | $165,000 | $825,000 | $95,000 | $490,000 |
| Application Withdrawn By Applicant | 142 | $33,970,000 | $239,000 | $1,285,000 | $119,000 | $423,000 |
| Loan Purchased By The Institution | 93 | $24,995,000 | $268,000 | $1,025,000 | $131,000 | $300,000 |
| Application Approved But Not Accepted | 51 | $9,975,000 | $195,000 | $485,000 | $122,000 | $583,000 |
| File Closed For Incompleteness | 46 | $11,250,000 | $244,000 | $1,285,000 | $110,000 | $420,000 |
| Preapproval Approved but not Accepted | 4 | $1,140,000 | $285,000 | $485,000 | $90,000 | $236,000 |
| 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 | 1,667 | $438,415,000 | $262,000 | $15,305,000 | $136,000 | $3,540,000 |
| Debt-To-Income Ratio | 95 | $17,005,000 | $179,000 | $955,000 | $76,000 | $250,000 |
| Credit History | 59 | $7,125,000 | $120,000 | $385,000 | $83,000 | $400,000 |
| Collateral | 48 | $7,280,000 | $151,000 | $395,000 | $109,000 | $411,000 |
| Other | 23 | $4,575,000 | $198,000 | $825,000 | $140,000 | $490,000 |
| Credit Application Incomplete | 14 | $3,390,000 | $242,000 | $535,000 | $130,000 | $397,000 |
| Unverifiable Information | 7 | $805,000 | $115,000 | $215,000 | $92,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $825,000 | $165,000 | $235,000 | $124,000 | $215,000 |
| Employment History | 3 | $415,000 | $138,000 | $205,000 | $64,000 | $69,000 |
| 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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