Washington County, NY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 2,269 mortgage applications in Washington County, NY totaling $264.7 million, down 26% from 2009. The average application was for $116,000, and applicants reported an average income of $66,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was TD Bank N.A., with 223 applications, followed by Arrow Bank NA and Bank of America, 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 | 2,269 |
| Total Mortgage Loan Application Amount | $264,716,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $780,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,128,000 |
* 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 |
|---|---|---|---|---|
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 223 | $ 21,041,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 1,571,797,000 | 203 | $ 17,071,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 192 | $ 23,992,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 144 | $ 18,360,000 |
| Trustco Bank 5 SARNOWSKI DRIVE GLENVILLE, NY 12302 |
* | $ 3,697,799,000 | 141 | $ 17,376,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 129 | $ 15,685,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 90 | $ 11,189,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 72 | $ 10,753,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 59 | $ 9,244,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 56 | $ 5,456,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 45 | $ 4,119,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 43 | $ 5,700,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 41 | $ 2,485,000 |
| Hudson River Community CU ONE THIRD STREET CORINTH, NY 12822 |
* | $ 143,946,000 | 33 | $ 1,828,000 |
| Tct Federal Credit Union 416 ROWLAND STREET BALLSTON SPA, NY 12020 |
* | $ 121,543,000 | 33 | $ 3,413,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 32 | $ 4,056,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ 1,930,177,000 | 32 | $ 1,731,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 27 | $ 3,148,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 25 | $ 3,016,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 23 | $ 3,641,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 22 | $ 3,040,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,424,588,000 | 21 | $ 2,517,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,376,962,000 | 19 | $ 792,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 19 | $ 2,281,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 18 | $ 2,765,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 18 | $ 2,864,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 17 | $ 2,788,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 15 | $ 228,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 15 | $ 2,646,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 73,839,735,000 | 14 | $ 1,478,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 2,158,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ 355,898,000 | 13 | $ 1,353,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 12 | $ 1,521,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 11 | $ 1,896,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 11 | $ 1,429,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 11 | $ 1,508,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 11 | $ 1,056,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 10 | $ 1,259,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 857,271,000 | 10 | $ 1,602,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 10 | $ 1,835,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 10 | $ 969,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,422,795,000 | 10 | $ 486,000 |
| Sefcu Services, LLC 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 9 | $ 1,664,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 9 | $ 1,426,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,244,000 |
| Home Funding Finders, Inc 621 COLUMBIA STREET EXT COHOES, NY 12047 |
* | $ 10,000,000 | 9 | $ 1,351,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 9 | $ 1,205,000 |
| Legacy Banks 99 NORTH ST., P.O. BOX 1148 PITTSFIELD, MA 01202 |
* | $ 926,037,000 | 8 | $ 774,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 8 | $ 1,003,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 2,666,712,000 | 8 | $ 1,348,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 8 | $ 1,373,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 7 | $ 1,143,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 7 | $ 951,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 7 | $ 1,215,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,438,734,000 | 7 | $ 699,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 6 | $ 475,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 365,584,000 | 5 | $ 714,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 5 | $ 565,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 5 | $ 586,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 596,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 5 | $ 451,000 |
| Interstate Home Loan Center 25 MELVILLE PARK RD SUITE 105 MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 639,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 2,714,589,000 | 4 | $ 725,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 4 | $ 830,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 4 | $ 596,000 |
| Pioneer Bank, National Association 652 ALBANY-SHAKER RD. ALBANY, NY 12211 |
* | $ 744,279,000 | 4 | $ 290,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 3 | $ 166,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 210,951,000 | 3 | $ 204,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 3 | $ 249,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 3 | $ 283,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 3 | $ 319,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 3 | $ 399,000 |
| Hampden Bank 19 HARRISON AVENUE SPRINGFIELD, MA 01103 |
* | $ 556,566,000 | 3 | $ 113,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 3 | $ 223,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 3 | $ 541,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 102,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 326,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 3 | $ 448,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 3 | $ 386,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 224,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 2 | $ 216,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 130,000 |
| School Systems 150 DEFREEST DRIVE TROY, NY 12180 |
* | $ 60,228,000 | 2 | $ 65,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 2 | $ 402,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 502,168,000 | 2 | $ 101,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 2 | $ 35,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 2 | $ 172,000 |
| Valley National Bank 1460 VALLEY ROAD WAYNE, NJ 07470 |
* | $ 14,262,595,000 | 2 | $ 437,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 188,577,000 | 2 | $ 321,000 |
| First National Bank of Scotia 201 MOHAWK AVE SCOTIA, NY 12302 |
* | $ 336,463,000 | 2 | $ 55,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 2 | $ 480,000 |
| First Niagara Bank, N.A. 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 14,452,230,000 | 2 | $ 170,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 272,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 20,637,335,000 | 2 | $ 230,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 2 | $ 121,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 215,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 2 | $ 506,000 |
| Saratoga National Bank GLENS FALLS, NY 12801 |
* | $ 279,647,000 | 1 | $ 550,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 15,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 168,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,540,588,000 | 1 | $ 417,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 229,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 167,165,244,000 | 1 | $ 137,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 417,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 616,706,000 | 1 | $ 22,000 |
| Community Resource Federal Credit Union 20 WADE ROAD LATHAM, NY 12110 |
* | $ 63,925,000 | 1 | $ 25,000 |
| Citifinancial Company(De) 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 15,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 212,000 |
| Cathay Bank 9650 FLAIR DRIVE EL MONTE, CA 91731 |
* | $ 11,572,905,000 | 1 | $ 95,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 3,696,766,000 | 1 | $ 194,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 75,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 176,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 904,188,000 | 1 | $ 148,000 |
| UBS Bank, USA 299 SOUTH MAIN STREET - SUITE 2275 SALT LAKE CITY, UT 84111 |
* | $ 30,049,614,000 | 1 | $ 780,000 |
| Town Center Bank 1938 E. LINCOLN HIGHWAY #101 NEW LENOX, IL 60451 |
* | $ 148,786,000 | 1 | $ 32,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,225,768,000 | 1 | $ 64,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 767,103,000 | 1 | $ 100,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 257,702,000 | 1 | $ 88,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 764,140,000 | 1 | $ 140,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 1 | $ 99,000 |
| Capital Communications Federal Credit Union 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 170,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 60,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 147,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ 51,703,000 | 1 | $ 329,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Intouch Credit Union P O BOX 250169 PLANO, TX 75025 |
* | $ 845,066,000 | 1 | $ 46,000 |
| All American Home Mortgage Cor 333 EARLE OVINGTON BLVD SUITE 102 UNIONDALE, NY 11553 |
* | $ 10,000,000 | 1 | $ 145,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 214,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 94,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 183,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 148,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 46,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Mortgage Master, Inc. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 110,000 |
The tables below break down 2010 mortgage applications in Washington 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 Washington County, NY in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,228 | $163,643,000 | $133,000 | $780,000 | $70,000 | $1,128,000 |
| Home Purchase | 723 | $87,482,000 | $120,000 | $679,000 | $61,000 | $419,000 |
| Home Improvement | 318 | $13,591,000 | $42,000 | $340,000 | $63,000 | $718,000 |
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 | 1,970 | $225,838,000 | $114,000 | $780,000 | $68,000 | $1,128,000 |
| Not Provided | 183 | $22,948,000 | $125,000 | $417,000 | $70,000 | $270,000 |
| Not applicable | 70 | $10,165,000 | $145,000 | $313,000 | $6,000 | $87,000 |
| Hispanic | 21 | $2,171,000 | $103,000 | $235,000 | $67,000 | $257,000 |
| Asian | 10 | $1,043,000 | $104,000 | $227,000 | $51,000 | $164,000 |
| American Indian or Alaskan Native | 7 | $1,389,000 | $198,000 | $402,000 | $175,000 | $780,000 |
| Black or African American | 5 | $942,000 | $188,000 | $275,000 | $76,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $220,000 | $73,000 | $138,000 | $39,000 | $71,000 |
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) | 1,522 | $170,144,000 | $111,000 | $780,000 | $73,000 | $1,128,000 |
| FHA-insured (Federal Housing Administration) | 595 | $74,082,000 | $124,000 | $461,000 | $52,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $9,354,000 | $116,000 | $235,000 | $46,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 72 | $11,136,000 | $154,000 | $408,000 | $53,000 | $156,000 |
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 | 1,029 | $119,959,000 | $116,000 | $679,000 | $73,000 | $422,000 |
| Application Denied By Financial Institution | 589 | $60,495,000 | $102,000 | $679,000 | $57,000 | $718,000 |
| Loan Purchased By The Institution | 265 | $37,822,000 | $142,000 | $417,000 | $50,000 | $254,000 |
| Application Withdrawn By Applicant | 239 | $28,196,000 | $117,000 | $780,000 | $77,000 | $1,128,000 |
| Application Approved But Not Accepted | 85 | $10,265,000 | $120,000 | $300,000 | $72,000 | $267,000 |
| File Closed For Incompleteness | 62 | $7,979,000 | $128,000 | $417,000 | $63,000 | $297,000 |
| 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 | 154 | $9,786,000 | $63,000 | $383,000 | $47,000 | $249,000 |
| Collateral | 136 | $17,891,000 | $131,000 | $461,000 | $77,000 | $250,000 |
| Debt-To-Income Ratio | 114 | $11,632,000 | $102,000 | $679,000 | $39,000 | $118,000 |
| Other | 38 | $3,953,000 | $104,000 | $286,000 | $66,000 | $233,000 |
| Credit Application Incomplete | 27 | $2,528,000 | $93,000 | $234,000 | $93,000 | $718,000 |
| Employment History | 6 | $810,000 | $135,000 | $276,000 | $55,000 | $101,000 |
| Unverifiable Information | 5 | $1,112,000 | $222,000 | $407,000 | $150,000 | $284,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $214,000 | $71,000 | $97,000 | $45,000 | $81,000 |
| Mortgage Insurance Denied | 2 | $40,000 | $20,000 | $20,000 | $27,000 | $28,000 |
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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