Esl Federal Credit Union
Mortgage Loan Application
Totals and Details
for 2005
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for Esl Federal Credit Union.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| Mortgage Company & Address | Esl Federal Credit Union 225 Chestnut Street Rochester, NY 14604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,745 |
| Total Mortgage Loan Application Amount | $298,445,000 |
| Average Mortgage Loan Application Amount | $90,772 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $121,181 |
| Highest Applicant Income | $1,096,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe County New York | 3,704 | $ 227,011,000 | $ 61,000 | $ 65,000 |
| Wayne County New York | 231 | $ 14,047,000 | $ 60,000 | $ 60,000 |
| Ontario County New York | 192 | $ 15,337,000 | $ 79,000 | $ 84,000 |
| Orleans County New York | 161 | $ 6,696,000 | $ 41,000 | $ 51,000 |
| Livingston County New York | 136 | $ 9,991,000 | $ 73,000 | $ 77,000 |
| Genesee County New York | 77 | $ 4,348,000 | $ 56,000 | $ 61,000 |
| Onondaga County New York | 28 | $ 1,782,000 | $ 63,000 | $ 64,000 |
| Erie County New York | 26 | $ 1,494,000 | $ 57,000 | $ 92,000 |
| Yates County New York | 20 | $ 2,077,000 | $ 103,000 | $ 118,000 |
| Wyoming County New York | 13 | $ 610,000 | $ 46,000 | $ 58,000 |
| Steuben County New York | 12 | $ 498,000 | $ 41,000 | $ 70,000 |
| Seneca County New York | 11 | $ 887,000 | $ 80,000 | $ 74,000 |
| Niagara County New York | 9 | $ 306,000 | $ 34,000 | $ 51,000 |
| Jefferson County New York | 8 | $ 916,000 | $ 114,000 | $ 51,000 |
| Oswego County New York | 6 | $ 275,000 | $ 45,000 | $ 50,000 |
| Mercer County New Jersey | 5 | $ 559,000 | $ 111,000 | $ 134,000 |
| Orange County New York | 5 | $ 469,000 | $ 93,000 | $ 58,000 |
| Franklin County New York | 4 | $ 466,000 | $ 116,000 | $ 116,000 |
| Lewis County New York | 4 | $ 273,000 | $ 68,000 | $ 74,000 |
| Luzerne County Pennsylvania | 4 | $ 173,000 | $ 43,000 | $ 32,000 |
| Fremont County Colorado | 3 | $ 19,000 | $ 6,000 | $ 96,000 |
| Broome County New York | 3 | $ 78,000 | $ 26,000 | $ 40,000 |
| Nassau County New York | 3 | $ 910,000 | $ 303,000 | $ 153,000 |
| Cook County Illinois | 2 | $ 15,000 | $ 7,000 | $ 50,000 |
| Monmouth County New Jersey | 2 | $ 745,000 | $ 372,000 | $ 162,000 |
| Ocean County New Jersey | 2 | $ 583,000 | $ 291,000 | $ 193,000 |
| Allegany County New York | 2 | $ 53,000 | $ 26,000 | $ 57,000 |
| Cayuga County New York | 2 | $ 81,000 | $ 40,000 | $ 42,000 |
| Chenango County New York | 2 | $ 310,000 | $ 155,000 | $ 91,000 |
| Dutchess County New York | 2 | $ 414,000 | $ 207,000 | $ 110,000 |
| Oneida County New York | 2 | $ 26,000 | $ 13,000 | $ 36,000 |
| Suffolk County New York | 2 | $ 803,000 | $ 401,000 | $ 195,000 |
| Lehigh County Pennsylvania | 2 | $ 228,000 | $ 114,000 | $ 101,000 |
| Lycoming County Pennsylvania | 2 | $ 51,000 | $ 25,000 | $ 27,000 |
| Schuylkill County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 41,000 |
| Horry County South Carolina | 2 | $ 9,000 | $ 4,000 | $ 39,000 |
| Maricopa County Arizona | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Santa Cruz County California | 1 | $ 7,000 | $ 7,000 | $ 190,000 |
| Charlotte County Florida | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Collier County Florida | 1 | $ 700,000 | $ 700,000 | $ 1,096,000 |
| Orange County Florida | 1 | $ 4,000 | $ 4,000 | $ 45,000 |
| Prince George's County Maryland | 1 | $ 2,000 | $ 2,000 | $ 58,000 |
| St. Louis County Missouri | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Burlington County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 81,000 |
| Camden County New Jersey | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Somerset County New Jersey | 1 | $ 297,000 | $ 297,000 | $ 105,000 |
| Albany County New York | 1 | $ 283,000 | $ 283,000 | $ 121,000 |
| Chautauqua County New York | 1 | $ 1,000 | $ 1,000 | $ 32,000 |
| Clinton County New York | 1 | $ 50,000 | $ 50,000 | $ 109,000 |
| Delaware County New York | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Essex County New York | 1 | $ 130,000 | $ 130,000 | $ 380,000 |
| Herkimer County New York | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Madison County New York | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Saratoga County New York | 1 | $ 5,000 | $ 5,000 | $ 103,000 |
| Schenectady County New York | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Tompkins County New York | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Westchester County New York | 1 | $ 607,000 | $ 607,000 | $ 385,000 |
| Fulton County Ohio | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Hocking County Ohio | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Bucks County Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 128,000 |
| Butler County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 26,000 |
| Erie County Pennsylvania | 1 | $ 161,000 | $ 161,000 | $ 126,000 |
| Franklin County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 160,000 |
| Lackawanna County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Northumberland County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| Susquehanna County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 39,000 |
| York County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 66,000 |
| Greene County Tennessee | 1 | $ 4,000 | $ 4,000 | $ 44,000 |
| Bandera County Texas | 1 | $ 2,000 | $ 2,000 | $ 38,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Esl Federal Credit Union in 2005
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 | 2,293 | $148,166,000 | $156,666 | $640,000 | $101,333 | $968,000 |
| Home Improvement | 1,313 | $26,820,000 | $9,857 | $672,000 | $61,285 | $450,000 |
| Home Purchase | 1,139 | $123,459,000 | $277,800 | $840,000 | $300,800 | $1,096,000 |
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 | 3,937 | $257,653,000 | $59,538 | $840,000 | $99,769 | $1,096,000 |
| Not Provided | 349 | $17,462,000 | $33,500 | $384,000 | $56,000 | $450,000 |
| Black or African American | 256 | $10,998,000 | $29,166 | $289,000 | $44,833 | $223,000 |
| Hispanic | 118 | $5,935,000 | $79,500 | $470,000 | $31,500 | $172,000 |
| Asian | 54 | $4,721,000 | $176,500 | $308,000 | $77,000 | $525,000 |
| American Indian or Alaskan Native | 23 | $972,000 | $42,000 | $210,000 | $70,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $704,000 | $88,000 | $303,000 | $115,000 | $357,000 |
| Not applicable | 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) | 4,745 | $298,445,000 | $50,866 | $840,000 | $91,200 | $1,096,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,526 | $236,772,000 | $76,909 | $840,000 | $130,000 | $1,096,000 |
| Application Denied By Financial Institution | 511 | $18,910,000 | $12,714 | $320,000 | $38,571 | $450,000 |
| Application Withdrawn By Applicant | 336 | $22,396,000 | $108,000 | $470,000 | $114,666 | $968,000 |
| Application Approved But Not Accepted | 325 | $16,121,000 | $29,000 | $375,000 | $52,333 | $213,000 |
| File Closed For Incompleteness | 26 | $2,391,000 | $91,000 | $232,000 | $77,000 | $212,000 |
| Preapproval Denied by Financial Institution | 21 | $1,855,000 | $88,000 | $180,000 | $27,000 | $149,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 20 | $1,734,000 | $83,000 | $180,000 | $57,500 | $149,000 |
| Collateral | 11 | $1,369,000 | $81,500 | $303,000 | $83,500 | $357,000 |
| Debt-To-Income Ratio | 8 | $723,000 | $93,500 | $122,000 | $24,500 | $123,000 |
| Other | 3 | $335,000 | $111,000 | $215,000 | $53,000 | $83,000 |
| Employment History | 2 | $197,000 | $98,000 | $110,000 | $0 | $0 |
| Unverifiable Information | 1 | $53,000 | $53,000 | $53,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New York, and search similar information at your convenience.