Visions Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013

Visions Federal Credit Union 2013 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Visions Federal Credit Union
3301 Country Club Road
Endwell, NY 13760
Tel #: available with data download
Federal Regulator * available with data download
Years 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 2,524
Total Mortgage Loan Application Amount $319,084,000
Average Mortgage Loan Application Amount $115,333
Highest Mortgage Loan Application Amount $3,060,000
Average Applicant Income $99,333
Highest Applicant Income $1,465,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Visions Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Visions Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2013 breaks down Visions Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Visions Federal Credit Union serves its applicants.

Each category highlights the total number of mortgage applications processed by Visions Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Visions Federal Credit Union's mortgage activity for 2013.

Mortgage Loan Application Totals for Visions Federal Credit Union by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Broome County New York 1,201 $ 131,018,000 $ 109,000 $ 92,000
Tioga County New York 362 $ 40,246,000 $ 111,000 $ 89,000
Onondaga County New York 273 $ 41,475,000 $ 151,000 $ 115,000
Bergen County New Jersey 132 $ 29,077,000 $ 220,000 $ 143,000
Chemung County New York 75 $ 7,923,000 $ 105,000 $ 87,000
Monroe County New York 62 $ 8,125,000 $ 131,000 $ 96,000
Bradford County Pennsylvania 60 $ 6,115,000 $ 101,000 $ 98,000
Chenango County New York 54 $ 6,333,000 $ 117,000 $ 83,000
Susquehanna County Pennsylvania 47 $ 6,058,000 $ 128,000 $ 91,000
Schuyler County New York 34 $ 3,918,000 $ 115,000 $ 76,000
Oswego County New York 28 $ 3,365,000 $ 120,000 $ 105,000
Madison County New York 23 $ 4,278,000 $ 186,000 $ 128,000
Passaic County New Jersey 20 $ 2,791,000 $ 139,000 $ 107,000
Cortland County New York 17 $ 1,916,000 $ 112,000 $ 109,000
Rockland County New York 17 $ 4,117,000 $ 242,000 $ 138,000
Tompkins County New York 17 $ 2,708,000 $ 159,000 $ 206,000
Ontario County New York 12 $ 1,883,000 $ 156,000 $ 114,000
Oneida County New York 10 $ 1,432,000 $ 143,000 $ 100,000
Cayuga County New York 8 $ 1,023,000 $ 127,000 $ 107,000
Delaware County New York 8 $ 933,000 $ 116,000 $ 124,000
Jefferson County New York 8 $ 5,227,000 $ 653,000 $ 243,000
Orange County New York 7 $ 1,240,000 $ 177,000 $ 113,000
Steuben County New York 7 $ 834,000 $ 119,000 $ 107,000
Essex County New Jersey 4 $ 1,089,000 $ 272,000 $ 266,000
Otsego County New York 4 $ 447,000 $ 111,000 $ 129,000
Westchester County New York 4 $ 1,625,000 $ 406,000 $ 175,000
Yates County New York 3 $ 201,000 $ 67,000 $ 50,000
Berks County Pennsylvania 3 $ 215,000 $ 71,000 $ 77,000
Hudson County New Jersey 2 $ 358,000 $ 179,000 $ 43,000
Middlesex County New Jersey 2 $ 20,000 $ 10,000 $ 47,000
Union County New Jersey 2 $ 775,000 $ 387,000 $ 170,000
Livingston County New York 2 $ 240,000 $ 120,000 $ 89,000
Seneca County New York 2 $ 503,000 $ 251,000 $ 232,000
Tioga County Pennsylvania 2 $ 172,000 $ 86,000 $ 87,000
Anne Arundel County Maryland 1 $ 20,000 $ 20,000 $ 142,000
Monmouth County New Jersey 1 $ 260,000 $ 260,000 $ 337,000
Ocean County New Jersey 1 $ 387,000 $ 387,000 $ 66,000
Sussex County New Jersey 1 $ 20,000 $ 20,000 $ 47,000
Queens County New York 1 $ 167,000 $ 167,000 $ 193,000
Wayne County New York 1 $ 94,000 $ 94,000 $ 61,000
Wyoming County New York 1 $ 113,000 $ 113,000 $ 135,000
Lackawanna County Pennsylvania 1 $ 122,000 $ 122,000 $ 119,000
Lycoming County Pennsylvania 1 $ 110,000 $ 110,000 $ 52,000
Northampton County Pennsylvania 1 $ 50,000 $ 50,000 $ 0
Philadelphia County Pennsylvania 1 $ 50,000 $ 50,000 $ 0

Mortgage Loan Application Detail Totals for Visions Federal Credit Union in 2013

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 1,645 $223,370,000 $135,000 $3,060,000 $99,000 $1,465,000
Home Purchase 469 $67,061,000 $142,000 $825,000 $101,000 $1,300,000
Home Improvement 410 $28,653,000 $69,000 $417,000 $98,000 $621,000

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 2,365 $288,718,000 $122,000 $825,000 $97,000 $1,300,000
Asian 79 $14,690,000 $185,000 $525,000 $166,000 $1,465,000
Hispanic 35 $4,444,000 $126,000 $290,000 $112,000 $475,000
Black or African American 27 $4,834,000 $179,000 $650,000 $118,000 $379,000
Not applicable 8 $5,020,000 $627,000 $3,060,000 $0 $0
American Indian or Alaskan Native 5 $968,000 $193,000 $362,000 $204,000 $568,000
Not Provided 3 $40,000 $13,000 $20,000 $44,000 $47,000
Native Hawaiian or Other Pacific Islander 2 $370,000 $185,000 $250,000 $154,000 $183,000

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) 2,524 $319,084,000 $126,000 $3,060,000 $99,000 $1,465,000
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 1,752 $228,014,000 $130,000 $3,060,000 $103,000 $989,000
Application Withdrawn By Applicant 466 $56,438,000 $121,000 $546,000 $97,000 $1,300,000
Application Denied By Financial Institution 222 $25,517,000 $114,000 $400,000 $84,000 $1,465,000
Application Approved But Not Accepted 81 $9,065,000 $111,000 $407,000 $88,000 $247,000
File Closed For Incompleteness 3 $50,000 $16,000 $20,000 $25,000 $48,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Visions Federal Credit Union's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Visions Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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