Warren County, NY Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 2,483 mortgage applications in Warren County, NY totaling $467.2 million, down 3% from 2016. The average application was for $188,000, and applicants reported an average income of $100,000. 57% of applications resulted in an originated loan and 14% were denied. The most active lender was Arrow Bank NA, with 365 applications, followed by Homestead Funding Corp. and Wells Fargo Bank NA.

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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 2,483
Total Mortgage Loan Application Amount $467,187,000
Average Mortgage Loan Application Amount $188,000
Highest Mortgage Loan Application Amount $5,700,000
Average Applicant Income $100,000
Highest Applicant Income $2,575,000

Mortgage Company List for Lending in Warren County, NY for 2017

* 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
* $ 2,158,385,000 365 $ 62,962,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 181 $ 33,132,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 136 $ 24,752,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ 4,865,840,000 112 $ 19,647,000
Hudson River Community CU
ONE THIRD STREET
CORINTH, NY 12822
* $ 221,301,000 90 $ 11,874,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 87 $ 12,881,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 8,792,872,000 66 $ 20,832,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 269,030,606,000 62 $ 7,205,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 61 $ 9,917,000
The Adirondack Trust Company
473 BROADWAY
SARATOGA SPRINGS, NY 12866
* $ 1,135,624,000 51 $ 11,379,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 45 $ 9,533,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 43 $ 8,481,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ 562,370,000 39 $ 9,614,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 38 $ 8,532,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 36 $ 6,874,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 34 $ 5,398,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 134,362,217,000 33 $ 9,158,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 33 $ 5,348,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 32 $ 6,481,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 31 $ 4,940,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 28 $ 8,215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,631,667,000 28 $ 6,413,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 27 $ 4,472,000
Tct Federal Credit Union
416 ROWLAND STREET
BALLSTON SPA, NY 12020
* $ 190,499,000 26 $ 3,045,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 19,227,800,000 23 $ 3,939,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 22 $ 4,341,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 19 $ 2,947,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 3,032,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 19 $ 3,105,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 17 $ 3,802,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 8,604,114,000 17 $ 1,755,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 17 $ 3,759,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 15 $ 1,902,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 2,603,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 15 $ 657,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,572,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 14 $ 564,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 14 $ 2,021,000
Pioneer Bank, National Association
652 ALBANY-SHAKER RD.
ALBANY, NY 12211
* $ 1,099,917,000 13 $ 6,315,000
Saratoga National Bank

GLENS FALLS, NY 12801
* $ 443,258,000 13 $ 4,412,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ -1,000 13 $ 2,196,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ -1,000 13 $ 3,754,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 2,686,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 12 $ 2,163,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 7,568,756,000 11 $ 559,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ -1,000 11 $ 1,398,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 10 $ 1,699,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 9 $ 169,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 9 $ 1,628,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,655,664,000 8 $ 8,921,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 8 $ 1,192,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 83,094,906,000 8 $ 1,895,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 8 $ 1,663,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 7 $ 492,000
Ballston Spa National Bank
PO BOX 70
BALLSTON SPA, NY 12020
* $ 442,206,000 7 $ 6,008,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 3,328,515,000 7 $ 584,000
Berkshire Bank

ALBANY, NY 12207
* $ 9,119,415,000 7 $ 1,084,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 7 $ 160,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 6 $ 884,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 2,131,000
Priority Funding, LLC
292 MAIN STREET, SUITE G1
NORTHBORO, MA 01532
* $ -1,000 6 $ 355,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,263,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 5 $ 1,211,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 5 $ 829,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 5 $ 623,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 848,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 5 $ 194,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 4 $ 291,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 4 $ 472,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ 4,444,996,000 4 $ 687,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 4 $ 678,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 4 $ 1,181,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 4 $ 709,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,483,848,000 3 $ 148,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,027,051,000 3 $ 443,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 6,918,650,000 3 $ 631,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 632,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 3 $ 823,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 497,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,850,010,000 3 $ 694,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 197,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,543,898,000 3 $ 130,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 3 $ 1,112,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 315,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 451,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 175,715,000,000 2 $ 556,000
National Bank of Coxsackie
3 - 7 REED STREET
COXSACKIE, NY 12051
* $ 293,674,000 2 $ 415,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 26,054,251,000 2 $ 185,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 159,116,000,000 2 $ 3,010,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 387,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 11,254,182,000 2 $ 36,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 2 $ 135,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 28,351,811,000 2 $ 728,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 2 $ 266,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ 1,432,467,000 2 $ 2,861,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 2 $ 423,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 401,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 2 $ 412,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 188,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 518,000
Family First Funding LLC
215 MAIN STREET, #2A
TOMS RIVER, NJ 08753
* $ -1,000 2 $ 496,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 141,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ 817,813,000 2 $ 528,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 388,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 631,716,000 1 $ 250,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 345,855,000 1 $ 88,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 190,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 40,287,450,000 1 $ 425,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 151,255,000 1 $ 60,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 1 $ 230,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 24,452,112,000 1 $ 490,000
Credit Union of New Jersey
1301 PARKWAY AVE
EWING, NJ 08628
* $ 338,726,000 1 $ 570,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ -1,000 1 $ 38,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 5,462,012,000 1 $ 160,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 101,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 158,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 103,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ -1,000 1 $ 295,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 1 $ 7,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 56,935,844,000 1 $ 480,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 132,000
Teg Federal Credit Union
1 COMMERCE ST.
POUGHKEEPSIE, NY 12603
* $ 263,837,000 1 $ 246,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 663,451,000 1 $ 48,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 85,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 303,703,000 1 $ 17,000
Isb Mortgage Company, LLC
249 MILLBURN AVE
MILLBURN, NJ 07041
* $ -1,000 1 $ 205,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 1 $ 120,000
First Farmers and Merchants Bank
P.0. BOX 1148
COLUMBIA, TN 38401
* $ 1,332,794,000 1 $ 364,000
Suma Federal Credit Union
125 CORPORATE BLVD
YONKERS, NY 10701
* $ 320,017,000 1 $ 100,000
Ffc Mortgage Corp.
155 CORPORATE WOODS SUITE 320
ROCHESTER, NY 14623
* $ -1,000 1 $ 188,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 123,000
The National Union Bank of Kinderhook
1 HUDSON STREET
KINDERHOOK, NY 12106
* $ 460,488,000 1 $ 346,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 1,205,576,000 1 $ 150,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 132,000
Sawyer Savings Bank
PO BOX 420
SAUGERTIES, NY 12477
* $ 243,005,000 1 $ 482,000
Newtown Savings Bank
39 MAIN STREET
NEWTOWN, CT 06470
* $ 1,139,824,000 1 $ 200,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 637,488,000 1 $ 285,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,294,501,000 1 $ 347,000
1st Constitution Bank
1246 S. RIVER RD
CRANBURY, NJ 08512
* $ 1,038,213,000 1 $ 301,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 1 $ 55,000
School Systems
150 DEFREEST DRIVE
TROY, NY 12180
* $ 81,236,000 1 $ 150,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 1 $ 310,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ -1,000 1 $ 1,630,000
Bank of New Hampshire
62 PLEASANT ST
LACONIA, NH 03246
* $ 1,429,213,000 1 $ 44,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 2,482,536,000 1 $ 255,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 900,659,000 1 $ 166,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,629,405,000 1 $ 160,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 52,958,000,000 1 $ 100,000
First National Bank of Scotia
201 MOHAWK AVE
SCOTIA, NY 12302
* $ 448,676,000 1 $ 182,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,128,362,000 1 $ 100,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ 280,204,000 1 $ 45,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 45,524,776,000 1 $ 315,000
Community Federal Savings Bank
89-16 JAMAICA AVENUE
WOODHAVEN, NY 11421
* $ 134,786,000 1 $ 95,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 1 $ 122,000

The tables below break down 2017 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 2017

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 1,432 $289,774,000 $202,000 $2,546,000 $108,000 $2,575,000
Refinancing 786 $153,933,000 $195,000 $5,700,000 $91,000 $2,533,000
Home Improvement 265 $23,480,000 $88,000 $4,800,000 $83,000 $646,000

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 1,968 $353,608,000 $179,000 $1,463,000 $108,000 $2,575,000
Not applicable 223 $59,177,000 $265,000 $5,700,000 $26,000 $218,000
Not Provided 221 $41,966,000 $189,000 $2,546,000 $106,000 $850,000
Hispanic 26 $4,037,000 $155,000 $450,000 $64,000 $169,000
Black or African American 23 $4,600,000 $200,000 $800,000 $112,000 $900,000
Asian 12 $2,435,000 $202,000 $275,000 $167,000 $419,000
Native Hawaiian or Other Pacific Islander 6 $824,000 $137,000 $248,000 $75,000 $120,000
American Indian or Alaskan Native 4 $540,000 $135,000 $343,000 $56,000 $98,000

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) 1,726 $342,992,000 $198,000 $5,700,000 $120,000 $2,575,000
FHA-insured (Federal Housing Administration) 538 $82,052,000 $152,000 $298,000 $51,000 $291,000
VA-guaranteed (Veterans Administration) 179 $36,604,000 $204,000 $429,000 $69,000 $469,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $5,539,000 $138,000 $296,000 $40,000 $72,000

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 1,416 $280,201,000 $197,000 $5,700,000 $113,000 $2,533,000
Application Denied By Financial Institution 348 $55,332,000 $159,000 $2,546,000 $81,000 $840,000
Loan Purchased By The Institution 307 $56,392,000 $183,000 $1,630,000 $61,000 $1,150,000
Application Withdrawn By Applicant 246 $42,212,000 $171,000 $1,272,000 $89,000 $452,000
Application Approved But Not Accepted 94 $19,019,000 $202,000 $1,250,000 $131,000 $2,575,000
File Closed For Incompleteness 72 $14,031,000 $194,000 $1,120,000 $112,000 $843,000
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
Debt-To-Income Ratio 75 $10,403,000 $138,000 $600,000 $51,000 $156,000
Credit History 65 $7,334,000 $112,000 $328,000 $64,000 $252,000
Collateral 53 $12,699,000 $239,000 $1,710,000 $133,000 $793,000
Credit Application Incomplete 53 $11,436,000 $215,000 $2,546,000 $115,000 $840,000
Other 12 $1,941,000 $161,000 $399,000 $101,000 $330,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,046,000 $104,000 $245,000 $72,000 $280,000
Unverifiable Information 4 $1,060,000 $265,000 $600,000 $73,000 $144,000
Employment History 2 $382,000 $191,000 $242,000 $68,000 $75,000
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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