Wayne County, NY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 3,339 mortgage applications in Wayne County, NY totaling $294.1 million, up 1% from 2014. The average application was for $88,000, and applicants reported an average income of $63,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Reliant Community FCU, with 576 applications, followed by Lyons National Bank 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 | 3,339 |
| Total Mortgage Loan Application Amount | $294,118,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,500,000 |
* 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 |
|---|---|---|---|---|
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ 375,237,000 | 576 | $ 18,496,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 806,278,000 | 308 | $ 24,252,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 201 | $ 25,428,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 5,015,805,000 | 176 | $ 13,281,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,461,279,000 | 166 | $ 8,773,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 132 | $ 17,834,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 84 | $ 3,722,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 83 | $ 11,431,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 79 | $ 6,026,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 75 | $ 10,036,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 61 | $ 6,421,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,092,417,000 | 58 | $ 6,472,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 55 | $ 6,935,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 50 | $ 5,938,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 415,140,000 | 48 | $ 6,651,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 47 | $ 5,416,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 46 | $ 2,792,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 242,947,000 | 40 | $ 5,003,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 743,666,000 | 39 | $ 2,802,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 932,414,000 | 38 | $ 3,323,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 35 | $ 3,554,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 34 | $ 3,715,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 32 | $ 3,930,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 30 | $ 2,964,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 30 | $ 4,201,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 38,494,804,000 | 29 | $ 3,508,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 27 | $ 2,676,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 156,693,000 | 24 | $ 2,221,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 3,065,109,000 | 24 | $ 2,200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 22 | $ 3,300,000 |
| Nothnagle Home Securities Corp 217 WEST MAIN STREET, SUITE 200 ROCHESTER, NY 14614 |
* | $ 10,000,000 | 22 | $ 2,907,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ 10,000,000 | 22 | $ 2,654,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 1,107,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 18 | $ 1,255,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 16 | $ 1,753,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 229,229,000 | 15 | $ 386,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 14 | $ 1,835,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 99,847,000 | 14 | $ 724,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ 10,000,000 | 14 | $ 1,494,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 7,726,299,000 | 13 | $ 775,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 1,700,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 12 | $ 582,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 12 | $ 934,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 357,550,000 | 12 | $ 1,007,000 |
| Usny Bank 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 217,251,000 | 12 | $ 1,694,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 1,405,000 |
| Savannah Bank National Association 1565 MAIN STREET SAVANNAH, NY 13146 |
* | $ 140,752,000 | 11 | $ 812,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 10 | $ 1,319,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 9 | $ 965,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,291,549,000 | 9 | $ 448,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 278,402,000 | 9 | $ 924,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 9 | $ 834,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 9 | $ 1,151,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 1,256,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 754,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 8 | $ 149,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 8 | $ 1,123,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 8 | $ 731,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 8 | $ 1,396,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 7 | $ 816,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,264,351,000 | 7 | $ 655,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 7 | $ 517,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,088,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 7 | $ 145,000 |
| Ffc Mortgage Corp. 155 CORPORATE WOODS SUITE 320 ROCHESTER, NY 14623 |
* | $ 7,464,553,000 | 7 | $ 1,058,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 6 | $ 516,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 6 | $ 824,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 6 | $ 319,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 6 | $ 685,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 6 | $ 1,020,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 862,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 5 | $ 165,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 5 | $ 670,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 5 | $ 88,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 4 | $ 580,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 4 | $ 304,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 7,800,433,000 | 4 | $ 480,000 |
| Pathfinder Bank 214 WEST FIRST STREET OSWEGO, NY 13126 |
* | $ 560,634,000 | 4 | $ 267,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 4 | $ 348,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 202,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ 10,000,000 | 3 | $ 408,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 3 | $ 321,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 3 | $ 394,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 253,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,393,007,000 | 3 | $ 508,000 |
| St. Pius X Church FCU 2998 CHILI AVENUE ROCHESTER, NY 14624 |
* | $ 65,461,000 | 3 | $ 106,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 3 | $ 518,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,171,198,000 | 3 | $ 107,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 558,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 2 | $ 213,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 2 | $ 277,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 128,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 128,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 280,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 2 | $ 142,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 2 | $ 75,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 124,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 2 | $ 192,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 2 | $ 270,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Syracuse Securities, Inc. 5000 CAMPUSWOOD DRIVE SUITE 101 EAST SYRACUSE, NY 13057 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 272,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 240,000 |
| Steuben Trust Company ONE STEUBEN SQUARE HORNELL, NY 14843 |
* | $ 474,949,000 | 2 | $ 266,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 2 | $ 76,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 2 | $ 41,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 2 | $ 624,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 161,483,000 | 1 | $ 35,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,522,955,000 | 1 | $ 8,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,092,656,000 | 1 | $ 128,000 |
| Core Federal Credit Union 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 93,949,000 | 1 | $ 5,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 372,487,000 | 1 | $ 43,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 266,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ 214,531,000 | 1 | $ 67,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 522,445,000 | 1 | $ 130,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 130,285,000 | 1 | $ 150,000 |
| First American Mortgage Trust 70 LEO M. BIRMINGHAM PARKWAY BRIGHTON, MA 02135 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Ccfcu Funding, LLC 4 WINNERS CIRCLE ALBANY, NY 12205 |
* | $ 797,777,000 | 1 | $ 140,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 180,565,000 | 1 | $ 70,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 243,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,036,491,000 | 1 | $ 86,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 141,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 1,200,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 138,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 102,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 40,000 |
| The National Union Bank of Kinderhook 1 HUDSON STREET KINDERHOOK, NY 12106 |
* | $ 373,034,000 | 1 | $ 147,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 42,000 |
| Vanguard Funding LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 246,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 127,000 |
The tables below break down 2015 mortgage applications in Wayne 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 Wayne County, NY in 2015
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 | 1,485 | $172,550,000 | $116,000 | $457,000 | $59,000 | $609,000 |
| Refinancing | 975 | $102,767,000 | $105,000 | $650,000 | $70,000 | $1,500,000 |
| Home Improvement | 879 | $18,801,000 | $21,000 | $1,200,000 | $63,000 | $292,000 |
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 | 2,736 | $237,741,000 | $86,000 | $650,000 | $69,000 | $1,500,000 |
| Not applicable | 287 | $32,681,000 | $113,000 | $1,200,000 | $8,000 | $185,000 |
| Not Provided | 202 | $15,375,000 | $76,000 | $318,000 | $64,000 | $241,000 |
| Hispanic | 50 | $3,478,000 | $69,000 | $250,000 | $53,000 | $145,000 |
| Black or African American | 42 | $2,482,000 | $59,000 | $196,000 | $55,000 | $173,000 |
| Asian | 14 | $1,676,000 | $119,000 | $243,000 | $78,000 | $172,000 |
| American Indian or Alaskan Native | 7 | $675,000 | $96,000 | $147,000 | $53,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $45,000 | $45,000 |
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) | 2,455 | $192,759,000 | $78,000 | $1,200,000 | $69,000 | $609,000 |
| FHA-insured (Federal Housing Administration) | 579 | $63,236,000 | $109,000 | $275,000 | $46,000 | $438,000 |
| VA-guaranteed (Veterans Administration) | 161 | $23,875,000 | $148,000 | $335,000 | $65,000 | $1,500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 144 | $14,248,000 | $98,000 | $178,000 | $31,000 | $76,000 |
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 | 1,922 | $167,305,000 | $87,000 | $1,200,000 | $71,000 | $609,000 |
| Application Denied By Financial Institution | 646 | $41,562,000 | $64,000 | $402,000 | $58,000 | $1,500,000 |
| Loan Purchased By The Institution | 433 | $51,299,000 | $118,000 | $650,000 | $33,000 | $410,000 |
| Application Withdrawn By Applicant | 197 | $19,457,000 | $98,000 | $296,000 | $67,000 | $408,000 |
| Application Approved But Not Accepted | 87 | $9,030,000 | $103,000 | $337,000 | $67,000 | $251,000 |
| File Closed For Incompleteness | 54 | $5,465,000 | $101,000 | $270,000 | $63,000 | $300,000 |
| 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 | 123 | $5,086,000 | $41,000 | $200,000 | $53,000 | $312,000 |
| Debt-To-Income Ratio | 92 | $7,011,000 | $76,000 | $352,000 | $55,000 | $479,000 |
| Collateral | 73 | $8,216,000 | $112,000 | $402,000 | $71,000 | $236,000 |
| Credit Application Incomplete | 30 | $3,585,000 | $119,000 | $271,000 | $74,000 | $219,000 |
| Other | 25 | $1,502,000 | $60,000 | $140,000 | $121,000 | $1,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $738,000 | $92,000 | $180,000 | $40,000 | $68,000 |
| Employment History | 6 | $317,000 | $52,000 | $104,000 | $28,000 | $63,000 |
| Unverifiable Information | 4 | $271,000 | $67,000 | $157,000 | $90,000 | $203,000 |
| Mortgage Insurance Denied | 2 | $155,000 | $77,000 | $78,000 | $32,000 | $65,000 |
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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