Warren County, NY Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 2,119 mortgage applications in Warren County, NY totaling $367.5 million, down 30% from 2013. The average application was for $173,000, and applicants reported an average income of $92,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Arrow Bank NA, with 329 applications, followed by Wells Fargo Bank NA and Homestead Funding Corp..

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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 2,119
Total Mortgage Loan Application Amount $367,491,000
Average Mortgage Loan Application Amount $173,000
Highest Mortgage Loan Application Amount $22,000,000
Average Applicant Income $92,000
Highest Applicant Income $2,348,000

Mortgage Company List for Lending in Warren County, NY for 2014

* 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
Arrow Bank NA
250 GLEN STREET
GLENS FALLS, NY 12801
* $ 1,843,285,000 329 $ 48,914,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 166 $ 26,721,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 124 $ 22,804,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,522,056,000 109 $ 20,144,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 80 $ 6,938,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 179,121,000 67 $ 7,890,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 59 $ 7,916,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 48 $ 10,768,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,581,736,000 46 $ 8,462,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 44 $ 8,285,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 40 $ 6,567,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 38 $ 6,794,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 38 $ 5,781,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 37 $ 5,049,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 35 $ 6,089,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 37,576,781,000 31 $ 27,367,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 152,462,000 28 $ 4,823,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 28 $ 4,532,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 26 $ 4,448,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 26 $ 3,921,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 25 $ 4,866,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 23 $ 3,513,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 23 $ 3,316,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,068,834,000 22 $ 2,186,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 21 $ 2,894,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 19 $ 3,302,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 19 $ 3,930,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 401,329,000 18 $ 3,112,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 17 $ 1,813,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 17 $ 2,368,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 16 $ 2,626,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 991,604,000 15 $ 2,906,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 14 $ 2,589,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 14 $ 2,814,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 319,228,000 14 $ 5,057,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 13 $ 606,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 13 $ 2,262,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 12 $ 2,082,000
Berkshire Bank

ALBANY, NY 12207
* $ 5,645,664,000 12 $ 1,626,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 12 $ 1,587,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 11 $ 1,925,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 10 $ 2,945,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 750,934,000 9 $ 5,346,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 8 $ 1,633,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 8 $ 1,287,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 1,527,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 8 $ 1,454,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 7 $ 965,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 1,183,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 7 $ 968,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 406,809,000 6 $ 1,037,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 6 $ 356,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 1,093,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 6 $ 1,060,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 6 $ 950,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ 10,000,000 5 $ 707,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 5 $ 845,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 908,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 4 $ 464,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 820,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 3,842,485,000 4 $ 642,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 4 $ 195,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 4 $ 593,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 569,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 329,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ 10,000,000 3 $ 789,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 3 $ 452,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 3 $ 200,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 800,870,000 3 $ 434,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 3 $ 596,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 2,693,744,000 3 $ 505,000
Syracuse Securities, Inc.
5000 CAMPUSWOOD DRIVE SUITE 101
EAST SYRACUSE, NY 13057
* $ 10,000,000 3 $ 456,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 864,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 517,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 22,971,000,000 3 $ 716,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,264,382,000 3 $ 570,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 3 $ 653,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 2 $ 147,000
Mortgage Master
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 2 $ 510,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 147,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ 51,703,000 2 $ 396,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ 10,000,000 2 $ 409,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 276,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 2 $ 332,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 2 $ 263,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 499,849,000 2 $ 334,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 2,049,359,000 2 $ 207,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 2 $ 79,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 5,444,999,000 2 $ 441,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 340,728,000 2 $ 587,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 2 $ 38,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 2 $ 329,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 2 $ 289,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 2 $ 277,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 2 $ 14,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 307,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 125,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 160,000
Interstate Home Loan Center
25 MELVILLE PARK RD SUITE 105
MELVILLE, NY 11747
* $ 10,000,000 1 $ 206,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ 10,000,000 1 $ 193,000
First State Bank
130 E CORSICANA STREET
ATHENS, TX 75751
* $ 356,358,000 1 $ 268,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ 237,222,000 1 $ 320,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 720,631,000 1 $ 114,000
Pathfinder Bank
214 WEST FIRST STREET
OSWEGO, NY 13126
* $ 503,740,000 1 $ 468,000
Webster Five Cents Savings Bank
136 THOMPSON RD.
WEBSTER, MA 01570
* $ 552,100,000 1 $ 27,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 160,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 86,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ 1,000,000 1 $ 250,000
Summit Mortgage Bankers, Inc.
3660 MAIN STREET, 3RD FLOOR
FLUSHING, NY 11354
* $ 1,400,000 1 $ 250,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 136,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 125,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 846,686,000 1 $ 140,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 3,618,297,000 1 $ 267,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 90,000
Priority Funding LLC
292 MAIN STREET, STE G1
NORTHBORO, MA 01532
* $ 1,486,000 1 $ 36,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 73,000
Capital Communications Federal Credit Union
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 1,056,799,000 1 $ 635,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 1 $ 25,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 410,770,000 1 $ 176,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 25,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 1 $ 101,000
Walden Savings Bank
15 SCOTT'S CORNERS DRIVE, PO BOX 690
MONTGOMERY, NY 12549
* $ 437,738,000 1 $ 235,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,524,000 1 $ 150,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,253,713,000 1 $ 417,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 413,971,000 1 $ 367,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,209,711,000 1 $ 70,000
Heritage Financial Credit Union
25 RYKOWSKI LANE
MIDDLETOWN, NY 10941
* $ 301,412,000 1 $ 85,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 4,127,288,000 1 $ 35,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,602,169,000 1 $ 868,000
Fncb
102 EAST DRINKER ST
DUNMORE, PA 18512
* $ 1,003,338,000 1 $ 300,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 305,013,000 1 $ 75,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,016,109,000 1 $ 286,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 1 $ 183,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 574,021,000 1 $ 30,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,031,459,000 1 $ 176,000
The National Union Bank of Kinderhook
1 HUDSON STREET
KINDERHOOK, NY 12106
* $ 329,840,000 1 $ 816,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 204,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 158,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 82,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING STREET
CRESSKILL, NJ 07626
* $ 10,000,000 1 $ 200,000
Jet Direct Funding Corp.
111 WEST MAIN STREET SUITE 110
BAY SHORE, NY 11706
* $ 2,941,000 1 $ 125,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 1 $ 91,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 1 $ 126,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 1 $ 98,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 32,973,830,000 1 $ 70,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 1 $ 5,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 59,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 150,121,000 1 $ 161,000

The tables below break down 2014 mortgage applications in Warren 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 Warren County, NY in 2014

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 1,037 $194,135,000 $187,000 $3,046,000 $100,000 $2,348,000
Refinancing 804 $135,128,000 $168,000 $1,278,000 $86,000 $1,182,000
Home Improvement 278 $38,228,000 $137,000 $22,000,000 $82,000 $835,000

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 1,769 $285,918,000 $161,000 $1,580,000 $98,000 $2,348,000
Not Provided 154 $25,761,000 $167,000 $750,000 $103,000 $835,000
Not applicable 141 $47,552,000 $337,000 $22,000,000 $13,000 $438,000
Hispanic 26 $4,071,000 $156,000 $465,000 $88,000 $283,000
Asian 14 $2,422,000 $173,000 $316,000 $75,000 $187,000
Black or African American 10 $1,199,000 $119,000 $215,000 $53,000 $82,000
American Indian or Alaskan Native 5 $568,000 $113,000 $155,000 $112,000 $453,000
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) 1,583 $283,740,000 $179,000 $22,000,000 $107,000 $2,348,000
FHA-insured (Federal Housing Administration) 348 $49,018,000 $140,000 $457,000 $43,000 $183,000
VA-guaranteed (Veterans Administration) 154 $30,152,000 $195,000 $505,000 $65,000 $453,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $4,581,000 $134,000 $233,000 $39,000 $84,000

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 1,151 $219,342,000 $190,000 $22,000,000 $105,000 $2,348,000
Application Denied By Financial Institution 389 $48,036,000 $123,000 $1,278,000 $71,000 $1,182,000
Loan Purchased By The Institution 227 $35,392,000 $155,000 $457,000 $39,000 $438,000
Application Withdrawn By Applicant 165 $30,776,000 $186,000 $1,400,000 $117,000 $1,004,000
Application Approved But Not Accepted 104 $19,165,000 $184,000 $500,000 $111,000 $650,000
File Closed For Incompleteness 83 $14,780,000 $178,000 $750,000 $86,000 $378,000
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
Credit History 99 $7,405,000 $74,000 $288,000 $51,000 $453,000
Debt-To-Income Ratio 86 $11,198,000 $130,000 $500,000 $60,000 $229,000
Collateral 43 $6,404,000 $148,000 $540,000 $105,000 $551,000
Credit Application Incomplete 24 $4,005,000 $166,000 $417,000 $85,000 $260,000
Other 20 $3,524,000 $176,000 $1,278,000 $134,000 $1,182,000
Unverifiable Information 6 $781,000 $130,000 $253,000 $113,000 $221,000
Employment History 3 $444,000 $148,000 $243,000 $150,000 $360,000
Insufficient Cash (Downpayment, Closing Cost) 2 $329,000 $164,000 $226,000 $54,000 $56,000
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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