Wayne County, NY Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 4,437 mortgage applications in Wayne County, NY totaling $571.7 million, up 21% from 2019. The average application was for $128,000, and applicants reported an average income of $87,000. 61% of applications resulted in an originated loan and 13% were denied. The most active lender was Reliant Community FCU, with 495 applications, followed by ESL Federal Credit Union and Lyons National Bank.
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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 | 4,437 |
| Total Mortgage Loan Application Amount | $571,655,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $6,315,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,375,000 |
* 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 |
* | $ 473,195,000 | 495 | $ 42,555,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 6,813,674,000 | 475 | $ 46,435,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 1,163,579,000 | 396 | $ 50,620,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 242 | $ 41,450,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 202 | $ 26,850,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 182 | $ 22,050,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 161 | $ 15,225,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ -1,000 | 148 | $ 24,800,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,998,725,000 | 122 | $ 22,180,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 121 | $ 9,445,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 574,696,000 | 98 | $ 16,030,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 95 | $ 17,135,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 85 | $ 11,015,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 71 | $ 8,315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 62 | $ 7,690,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 58 | $ 7,640,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ 1,000,696,000 | 55 | $ 5,035,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ -1,000 | 53 | $ 8,625,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 229,657,000 | 47 | $ 4,595,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 43 | $ 5,915,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 42 | $ 6,170,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 41 | $ 2,865,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 38 | $ 2,110,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ -1,000 | 36 | $ 5,510,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 36 | $ 5,290,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 884,294,000 | 32 | $ 4,880,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 31 | $ 3,755,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 29 | $ 4,895,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 28 | $ 5,990,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 28 | $ 4,100,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,954,367,000 | 27 | $ 2,565,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 25 | $ 4,145,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 418,586,000 | 25 | $ 3,355,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 24 | $ 2,900,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 23 | $ 1,945,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 22 | $ 3,990,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 22 | $ 3,810,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 22 | $ 3,220,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 21 | $ 2,925,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 21 | $ 2,885,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 19 | $ 2,675,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 167,333,000 | 18 | $ 1,820,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 2,745,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 15 | $ 1,715,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 4,346,616,000 | 15 | $ 1,955,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 2,580,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 13 | $ 1,585,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ 368,478,000 | 11 | $ 815,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 347,773,000 | 11 | $ 1,165,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 11 | $ 3,015,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 11 | $ 1,545,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 11 | $ 1,965,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 11 | $ 1,205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 10 | $ 1,530,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ -1,000 | 10 | $ 1,360,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 9 | $ 1,155,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 9 | $ 355,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 9 | $ 1,435,000 |
| The Bank of Castile 90 MAIN ST BATAVIA, NY 14020 |
* | $ 1,510,826,000 | 8 | $ 3,280,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 8 | $ 1,170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 7 | $ 1,565,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 7 | $ 785,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 7 | $ 395,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 7 | $ 1,325,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 7 | $ 945,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 6 | $ 600,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 6 | $ 720,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 260,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ 1,444,951,000 | 6 | $ 1,020,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 5 | $ 125,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 5 | $ 725,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 5 | $ 425,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 5 | $ 825,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 5 | $ 915,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 755,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ 271,039,000 | 5 | $ 965,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,504,251,000 | 5 | $ 485,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,274,925,000 | 4 | $ 710,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 490,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 4 | $ 900,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ 1,090,000,000 | 4 | $ 470,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 4 | $ 470,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 720,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 3 | $ 285,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 3 | $ 385,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 405,000 |
| Ontario Shores FCU 2890 TRANSIT RD, PO BOX 9 NEWFANE, NY 14108 |
* | $ 102,064,000 | 3 | $ 115,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 375,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 217,610,000 | 2 | $ 330,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ 558,762,000 | 2 | $ 540,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 2 | $ 510,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 2 | $ 110,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 157,540,000 | 2 | $ 120,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 550,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 2 | $ 230,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 220,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 2 | $ 150,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 360,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 470,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 290,000 |
| Commonfund Mortgage Corp. 717 ERIE BOULEVARD WEST SYRACUSE, NY 13204 |
* | $ -1,000 | 2 | $ 260,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 2 | $ 130,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 131,983,000 | 1 | $ 115,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ 1,814,188,000 | 1 | $ 55,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 11,335,522,000 | 1 | $ 115,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 405,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 35,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 65,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 1 | $ 115,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 255,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 145,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 125,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 155,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ 380,185,000 | 1 | $ 65,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 305,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,052,781,000 | 1 | $ 35,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 135,000 |
| Fairport Savings Bank 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 321,747,000 | 1 | $ 115,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 145,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 135,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ 2,063,683,000 | 1 | $ 365,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ -1,000 | 1 | $ 6,315,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 492,964,000 | 1 | $ 135,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 1,231,695,000 | 1 | $ 285,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 37,441,578,000 | 1 | $ 75,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 25,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 115,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,361,090,000 | 1 | $ 215,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 215,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 125,000 |
The tables below break down 2020 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 2020
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 | 1,709 | $258,625,000 | $151,000 | $1,845,000 | $81,000 | $994,000 |
| Refinancing | 1,240 | $176,050,000 | $141,000 | $6,315,000 | $94,000 | $1,375,000 |
| Cash-out Refinancing | 594 | $78,810,000 | $132,000 | $505,000 | $92,000 | $1,280,000 |
| Home Improvement | 417 | $22,655,000 | $54,000 | $375,000 | $83,000 | $950,000 |
| Other Purpose | 329 | $21,985,000 | $66,000 | $455,000 | $81,000 | $528,000 |
| Not Applicable | 148 | $13,530,000 | $91,000 | $285,000 | $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 | 3,505 | $437,185,000 | $124,000 | $625,000 | $87,000 | $1,375,000 |
| Not applicable | 461 | $69,475,000 | $150,000 | $6,315,000 | $65,000 | $219,000 |
| Not Provided | 323 | $46,405,000 | $143,000 | $455,000 | $87,000 | $480,000 |
| Hispanic | 79 | $9,565,000 | $121,000 | $355,000 | $86,000 | $413,000 |
| Black or African American | 41 | $4,675,000 | $114,000 | $355,000 | $77,000 | $417,000 |
| Asian | 14 | $2,730,000 | $195,000 | $365,000 | $159,000 | $323,000 |
| American Indian or Alaskan Native | 11 | $845,000 | $76,000 | $245,000 | $62,000 | $140,000 |
| 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) | 3,531 | $447,565,000 | $126,000 | $6,315,000 | $91,000 | $1,375,000 |
| FHA-insured (Federal Housing Administration) | 539 | $69,635,000 | $129,000 | $335,000 | $61,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 202 | $34,530,000 | $170,000 | $405,000 | $74,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 165 | $19,925,000 | $120,000 | $225,000 | $50,000 | $94,000 |
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 | 2,690 | $364,920,000 | $135,000 | $6,315,000 | $90,000 | $1,280,000 |
| Loan Purchased By The Institution | 661 | $90,665,000 | $137,000 | $515,000 | $89,000 | $447,000 |
| Application Denied By Financial Institution | 571 | $51,445,000 | $90,000 | $455,000 | $72,000 | $1,375,000 |
| Application Withdrawn By Applicant | 333 | $43,745,000 | $131,000 | $505,000 | $89,000 | $837,000 |
| File Closed For Incompleteness | 105 | $11,545,000 | $109,000 | $405,000 | $89,000 | $950,000 |
| Application Approved But Not Accepted | 74 | $8,990,000 | $121,000 | $445,000 | $79,000 | $235,000 |
| Preapproval Denied by Financial Institution | 2 | $220,000 | $110,000 | $115,000 | $65,000 | $72,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $55,000 | $55,000 |
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 | 3,827 | $509,565,000 | $133,000 | $4,005,000 | $89,000 | $1,280,000 |
| Debt-To-Income Ratio | 216 | $26,600,000 | $123,000 | $6,315,000 | $58,000 | $253,000 |
| Credit History | 148 | $10,750,000 | $72,000 | $295,000 | $65,000 | $480,000 |
| Collateral | 119 | $11,575,000 | $97,000 | $455,000 | $90,000 | $561,000 |
| Other | 56 | $5,470,000 | $97,000 | $235,000 | $106,000 | $1,375,000 |
| Credit Application Incomplete | 39 | $4,705,000 | $120,000 | $295,000 | $84,000 | $228,000 |
| Unverifiable Information | 24 | $1,850,000 | $77,000 | $175,000 | $96,000 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $930,000 | $155,000 | $305,000 | $67,000 | $167,000 |
| Employment History | 2 | $210,000 | $105,000 | $135,000 | $34,000 | $40,000 |
| 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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