Estimated median household income in 2007: $59,715
| This zip code: | $59,715 | | New York: | $53,514 |
Nearest zip codes: 12182, 12047, 12183, 12180, 12189, 12121.
Housing units in zip code 12188 with a mortgage: 1,419 (141 second mortgage, 210 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 727
Median monthly owner costs for units with a mortgage: $1,556
Median monthly owner costs for units without a mortgage: $516
Residents with income below the poverty level in 2007:
| This zip code: | 5.1% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 1.7% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 6.6 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.6 | | State: | 3.6 |
Year house built: |
|
- 1999 to March 2000: 36
- 1995 to 1998: 96
- 1990 to 1994: 244
- 1980 to 1989: 1,121
- 1970 to 1979: 422
- 1960 to 1969: 355
- 1950 to 1959: 447
- 1940 to 1949: 195
- 1939 or earlier: 1,599
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Bedrooms in owner-occupied houses in Waterford, NY (12188): |
|
- no bedroom: 0
- 1 bedrooms: 20
- 2 bedrooms: 570
- 3 bedrooms: 1,364
- 4 bedrooms: 646
- 5 or more bedrooms: 143
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 41
- 1 bedrooms: 325
- 2 bedrooms: 757
- 3 bedrooms: 333
- 4 bedrooms: 63
- 5 or more bedrooms: 5
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Vehicles available in 12188 zip code in owner-occupied houses/condos: |
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- no vehicle: 87
- 1 vehicle: 801
- 2 vehicles: 1,360
- 3 vehicles: 348
- 4 vehicles: 103
- 5 or more vehicles: 44
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 148
- 1 vehicle: 849
- 2 vehicles: 482
- 3 vehicles: 42
- 4 vehicles: 0
- 5 or more vehicles: 3
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 12188:
- Less than $10,000: 6
- $10,000 to $14,999: 3
- $15,000 to $19,999: 3
- $20,000 to $24,999: 2
- $25,000 to $29,999: 2
- $30,000 to $34,999: 5
- $35,000 to $39,999: 6
- $40,000 to $49,999: 9
- $50,000 to $59,999: 12
- $60,000 to $69,999: 12
- $70,000 to $79,999: 6
- $80,000 to $89,999: 5
- $90,000 to $99,999: 7
- $100,000 to $124,999: 36
- $125,000 to $149,999: 135
- $150,000 to $174,999: 226
- $175,000 to $199,999: 372
- $200,000 to $249,999: 778
- $250,000 to $299,999: 463
- $300,000 to $399,999: 378
- $400,000 to $499,999: 87
- $500,000 to $749,999: 67
- $750,000 to $999,999: 13
- $1,000,000 or more: 2
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Rent paid by renters in 2007 in zip code 12188:
- Less than $100: 11
- $150 to $199: 5
- $200 to $249: 26
- $250 to $299: 29
- $300 to $349: 47
- $350 to $399: 127
- $400 to $449: 111
- $450 to $499: 100
- $500 to $549: 100
- $550 to $599: 80
- $600 to $649: 147
- $650 to $699: 88
- $700 to $749: 16
- $750 to $799: 21
- $800 to $899: 10
- No cash rent: 65
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Median price asked for vacant for-sale houses and condos in 2007: $171,724.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $233,250
- Black or African American householders: $365,783
- Asian householders: $260,009
- Two or more races householders: $237,042
- Hispanic or Latino householders: $209,229
Estimated median house or condo value in 2007: $235,741 (it was $108,500 in 2000)
| 12188: | $235,741 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $105,455 - $240,870
Mean price in 2007:
Detached houses: $233,623| Here: | $233,623 | | State: | $352,556 |
Townhouses or other attached units: $238,561| Here: | $238,561 | | State: | $476,263 |
In 2-unit structures: $223,594| Here: | $223,594 | | State: | $482,362 |
In 3-to-4-unit structures: $226,596| Here: | $226,596 | | State: | $552,553 |
In 5-or-more-unit structures: $357,142| Here: | $357,142 | | State: | $503,284 |
Mobile homes: $46,771| Here: | $46,771 | | State: | $40,766 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
|
Housing units in structures:
- One, detached: 2,260
- One, attached: 182
- Two: 1,067
- 3 or 4: 513
- 5 to 9: 286
- 10 to 19: 54
- 20 to 49: 35
- 50 or more: 15
- Mobile homes: 103

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Means of transportation to work
- Drove a car alone: 4,514 (85%)
- Carpooled: 437 (8%)
- Bus or trolley bus: 56 (1%)
- Railroad: 8 (0%)
- Taxi: 17 (0%)
- Walked: 142 (3%)
- Other means: 9 (0%)
- Worked at home: 128 (2%)
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Travel time to work
- Less than 5 minutes: 180
- 5 to 9 minutes: 394
- 10 to 14 minutes: 601
- 15 to 19 minutes: 858
- 20 to 24 minutes: 1182
- 25 to 29 minutes: 582
- 30 to 34 minutes: 863
- 35 to 39 minutes: 96
- 40 to 44 minutes: 98
- 45 to 59 minutes: 148
- 60 to 89 minutes: 98
- 90 or more minutes: 83
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Percentage of zip code residents living and working in this county: 27.5%
Household type by relationship
Households: 10,537
- In family households: 8,857 (2,159 male householders, 721 female householders)
2,285 spouses, 3,222 children (2,978 natural, 107 adopted, 137 stepchildren), 117 grandchildren, 31 brothers or sisters, 85 parents, 79 other relatives, 158 non-relatives
- In nonfamily households: 1,680 (616 male householders (419 living alone)), 756 female householders (632 living alone)), 308 nonrelatives
- In group quarters: 66 (13 institutionalized population)
Size of family households: 1,205 2-persons, 708 3-persons, 644 4-persons, 227 5-persons, 94 6-persons, 2 7-or-more-persons.
Size of nonfamily households: 1,051 1-person, 307 2-persons, 14 3-persons.
1,813 married couples with children.
558 single-parent households (112 men, 446 women).
93.6% of residents of 12188 zip code speak English at home.
1.6% of residents speak Spanish at home (79% very well, 12% well, 10% not well).
4.6% of residents speak other Indo-European language at home (68% very well, 20% well, 10% not well, 2% not at all).
0.1% of residents speak Asian or Pacific Island language at home (100% very well).
0.2% of residents speak other language at home (40% very well, 60% well).
Foreign born population: 252 (2.4%)
(80.2% of them are naturalized citizens)
| This zip code: | 2.4% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Canada (25%)
- Poland (17%)
- Ukraine (11%)
- Pakistan (11%)
- Germany (6%)
- Other Western Europe (4%)
- Japan (4%)
Year of entry for the foreign-born population |
|
- 1995 to March 2000: 16
- 1990 to 1994: 23
- 1985 to 1989: 28
- 1980 to 1984: 14
- 1975 to 1979: 15
- 1970 to 1974: 23
- 1970 to 1974: 15
- 1965 to 1969: 118
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White population: 10,286
Black population: 75
American Indian population: 18
Asian population: 120
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 10
Two or more races population: 101

First ancestries reported:
|  Irish: 1855 |
|  Italian: 1740 |
|  French (except Basque): 1206 |
|  German: 1129 |
|  Polish: 701 |
|  English: 624 |
|  French Canadian: 503 |
|  Other groups: 268 |
|  Dutch: 190 |
|  Ukrainian: 168 |
|  United States or American: 166 |
|  Scottish: 109 |
|  Scotch-Irish: 92 |
|  Danish: 56 |
|  Norwegian: 43 |
|  Greek: 39 |
|  Welsh: 32 |
|  Russian: 30 |
|  Armenian: 25 |
|  Canadian: 24 |
|  Portuguese: 24 |
|  Lithuanian: 20 |
|  Subsaharan African:: 20 |
|  Nigerian: 20 |
|  Swedish: 19 |
|  Slovak: 17 |
|  Yugoslavian: 15 |
|  Scandinavian: 11 |
|  Arab:: 10 |
|  Lebanese: 10 |
|  Hungarian: 8 |
|  Carpatho Rusyn: 7 |
|  Israeli: 6 |
|  Czechoslovakian: 6 |
|  European: 6 |
|  West Indian (excluding Hispanic groups):: 6 |
|  Jamaican: 6 |
|  Austrian: 5 |
|  Brazilian: 5 |
|  Romanian: 3 |
Facitilies with environmental interests located in this zip code:
- HENRY COMPANY (430 HUDSON RIVER ROAD in WATERFORD, NY)
AIR MINOR (AIRS/AFS)
STATE MASTER (New York facility tracking) - AIR PROGRAM,
(Integrated Compliance Information System) - ICIS-02-1987-0245, FORMAL ENFORCEMENT ACTION
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: PAINTS, VARNISHES, LACQUERS, ENAMELS, AND ALLIED PRODUCTS; ASPHALT FELTS AND COATINGS
Organizations: JOHN KINAST (FACILITY APPLICATION CONTACT)
, MONSEY PRODUCTS CORP (LEGALLY RESPONSIBLE PARTY)
Alternative names: AMERICAN SEAL MFG CO, HENRY CO. MONSEY DIV., MONSEY PRODS. CO.
- BELL-FAB MFG CORP (380 HUDSON RIVER RD in WATERFORD, NY)
SUPERFUND (Superfund database)
(Integrated Compliance Information System) - ICIS-02-2001-2011, FORMAL ENFORCEMENT ACTION
HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
(Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: FRANCIS E BELLEROSE (CONTACT/OPERATOR)
Alternative names: BEL-FAB MFG. CORP.
- ARCY PLASTIC LAMINATES INC (4 BELLS LANE in WATERFORD, NY)
AIR MINOR (AIRS/AFS)
STATE MASTER (New York facility tracking) - AIR PROGRAM
Business SIC classification: WOOD OFFICE AND STORE FIXTURES, PARTITIONS, SHELVING, AND LOCKERS
- 127 SECOND ST ( in WATERFORD, NY)
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
Organizations: WATER COMMSSIONERS OF THE (CONTACT/OWNER)
Alternative names: WATERFORD WATER PLANT
- AQUA CLEAR IND LLC (423 HUDSON RIVER RD in WATERFORD, NY)
HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
Large Quantity Generators, more that 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business NAICS classification: ALL OTHER MISCELLANEOUS CHEMICAL PRODUCT AND PREPARATION MANUFACTURING.
- GRAND UNION SUBSTATION (RTE 4 in WATERFORD, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
- HALFMOON TOWN CLERK (191 HARRIS RD in WATERFORD, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
- CONTAINER MANAGEMENT CORPORATION (3 INDUSTRY DRIVE in WATERFORD, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Median worth of mobile homes: $53,766
Housing units lacking complete plumbing facilities: 1%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
|
|
- Utility gas (70%)
- Fuel oil, kerosene, etc. (14%)
- Electricity (12%)
- Bottled, tank, or LP gas (3%)
- Other fuel (1%)
|
Place of birth for U.S.-born residents:
- This state: 9207
- Northeast: 576
- Midwest: 192
- South: 192
- West: 107
64% of the 12188 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 53% lived in this county.
Out of people who lived in different counties, 86% lived in New York.
Population in 1990: 11,576. Population change in the 1990s: -966 (-8.3%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 137
| Here: | 10.0% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 52
| Here: | 9.4% | | New York: | 13.2% |
Students in private undergraduate colleges: 91
| Here: | 27.9% | | New York: | 38.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code (WATERFORD, NY):
- LAWRENCE CLOW (30 MOUNTAINVIEWDRIVE; small business)
$257,632 with Department of Defense for Night Vision Equipment, Emitted and Reflected Radiation. Signed on 2003-07-07. Completion date: 2003-11-11.
- CATALLO, JOSEPH M (63 TIMBER DR; small business): $125,248 in 15 contracts from 2004 to 2005
Contracts for Technical Representation Services -- Vehicular Equipment Components, Technical Representation Services -- Special Industry Machinery by Army Signed by year: 2000: $0; 2001: $0; 2002: $0; 2003: $0; 2004: $64,570; 2005: $60,678; 2006: $0.
Biggest contracts:
$27,000 with Army for Technical Representation Services -- Vehicular Equipment Components. Signed on 2005-03-21. Completion date: 2004-12-27.
$25,000, same as above. Signed on 2005-06-16. Completion date: 2004-12-27.
$20,280 with Army for Technical Representation Services -- Special Industry Machinery. Signed on 2004-01-27. Completion date: 2004-05-28.
$19,200 with Army for Technical Representation Services -- Vehicular Equipment Components. Signed on 2004-08-24. Completion date: 2004-12-27.
- TODD BAUER (4 BIRDS GLENN DR; small business)
6 employees, $740000 revenue.
$76,000 with National Park Service for Construction of Structures and Facilities -- Highways, Roads, Streets, Bridges, and Railways (includes resurfacing). Signed on 2002-07-15. Completion date: 2002-08-15.
- BURCH CONTAINER & PACKAGING, I (430 HUDSON RIVER RD; small business): $43,877 in 2 contracts from 2002 to 2004
$39,837 with Army for Fire Fighting Equipment. Signed on 2002-05-08. Completion date: 2002-06-30.
$4,040, same as above. Signed on 2004-07-12. Completion date: 2004-10-13.
- ALLTEK ENERGY SYSTEMS INC (58 HUDSON RIVER RD; small business)
$7,588 with Army for Maintenance, Repair or Alteration of Real Property -- Office Buildings. Signed on 2004-09-29. Completion date: 2004-11-18.
Top industries in this zip code by the number of employees in 2005:
- Other Services (except Public Administration): Religious Organizations (20-49 employees: 1 establishment, 5-9 employees: 4 establishments, 1-4 employees: 1 establishment)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (20-49: 1, 10-19: 1, 5-9: 1, 1-4: 2)
- Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 5-9: 1, 1-4: 2)
- Wholesale Trade: Metal Service Centers and Other Metal Merchant Wholesalers (20-49: 1, 5-9: 1)
- Construction: Commercial and Institutional Building Construction (20-49: 1, 1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
People in group quarters
- 38 people in other noninstitutional group quarters
- 13 people in homes for the mentally retarded
- 12 people in hospitals/wards and hospices for chronically ill
- 12 people in hospices or homes for chronically ill
- 3 people in religious group quarters
Fatal accident statistics in 2006
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 4
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 5
- Pedestrians involved in fatal accidents: 1
Fatal accident statistics in 2005
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 2
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 1
- Persons involved in fatal accidents: 5
- Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 10 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 24 | $189,923 | 295 | $176,831 | 259 | $143,952 | 92 | $53,125 | 4 | $396,273 | 37 | $144,199 | 7 | $55,659 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $136,868 | 51 | $172,532 | 45 | $132,170 | 14 | $30,166 | 2 | $1,353,560 | 9 | $88,108 | 3 | $42,073 |
| APPLICATIONS DENIED | 1 | $210,800 | 45 | $147,626 | 201 | $155,851 | 66 | $43,750 | 2 | $311,675 | 21 | $88,376 | 5 | $42,420 |
| APPLICATIONS WITHDRAWN | 8 | $196,450 | 22 | $147,260 | 101 | $148,273 | 12 | $37,533 | 2 | $483,540 | 8 | $99,035 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 21 | $164,874 | 28 | $143,478 | 8 | $42,799 | 0 | $0 | 3 | $106,800 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 10 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 36 | $161,049 | 264 | $160,160 | 317 | $134,196 | 123 | $47,577 | 0 | $0 | 44 | $113,554 | 1 | $16,570 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $219,260 | 41 | $147,028 | 50 | $121,894 | 19 | $55,437 | 0 | $0 | 13 | $134,603 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $119,792 | 65 | $137,304 | 198 | $145,457 | 95 | $58,872 | 2 | $277,135 | 14 | $112,112 | 7 | $86,443 |
| APPLICATIONS WITHDRAWN | 6 | $196,733 | 19 | $178,001 | 126 | $149,160 | 16 | $98,886 | 0 | $0 | 5 | $99,948 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 15 | $151,097 | 65 | $158,841 | 1 | $413,230 | 0 | $0 | 8 | $111,573 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 10 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 32 | $149,569 | 304 | $126,038 | 381 | $128,012 | 100 | $47,518 | 0 | $0 | 50 | $108,630 | 3 | $68,080 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 34 | $111,333 | 54 | $106,982 | 10 | $34,109 | 2 | $130,415 | 4 | $121,850 | 4 | $79,895 |
| APPLICATIONS DENIED | 2 | $190,565 | 45 | $100,116 | 251 | $122,803 | 73 | $64,796 | 0 | $0 | 15 | $88,541 | 11 | $42,778 |
| APPLICATIONS WITHDRAWN | 2 | $154,405 | 29 | $115,045 | 196 | $137,353 | 17 | $130,364 | 0 | $0 | 7 | $123,109 | 2 | $53,560 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $155,840 | 16 | $114,227 | 60 | $150,877 | 3 | $103,847 | 0 | $0 | 2 | $57,055 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 10 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 27 | $109,663 | 298 | $132,297 | 397 | $111,271 | 75 | $33,320 | 2 | $96,175 | 47 | $99,826 | 8 | $67,259 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $146,240 | 19 | $125,960 | 67 | $115,780 | 25 | $43,826 | 0 | $0 | 9 | $106,218 | 2 | $42,920 |
| APPLICATIONS DENIED | 4 | $123,508 | 45 | $107,281 | 184 | $95,345 | 67 | $28,955 | 0 | $0 | 20 | $72,656 | 10 | $38,866 |
| APPLICATIONS WITHDRAWN | 4 | $135,973 | 44 | $143,341 | 185 | $112,150 | 19 | $38,938 | 0 | $0 | 19 | $88,906 | 1 | $116,670 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 14 | $108,806 | 37 | $123,625 | 5 | $49,500 | 0 | $0 | 4 | $56,053 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 10 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 57 | $103,521 | 250 | $124,572 | 629 | $104,143 | 29 | $33,546 | 2 | $191,460 | 36 | $86,056 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 19 | $154,365 | 124 | $99,617 | 9 | $54,622 | 0 | $0 | 6 | $79,855 |
| APPLICATIONS DENIED | 2 | $88,745 | 32 | $128,628 | 183 | $101,147 | 25 | $27,269 | 0 | $0 | 15 | $85,325 |
| APPLICATIONS WITHDRAWN | 1 | $101,580 | 32 | $94,981 | 150 | $102,177 | 6 | $24,240 | 2 | $1,739,345 | 11 | $84,461 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $99,700 | 9 | $146,431 | 32 | $120,197 | 1 | $16,210 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 8 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 42 | $97,152 | 210 | $112,364 | 359 | $101,685 | 26 | $31,719 | 33 | $78,297 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $72,440 | 16 | $134,812 | 60 | $96,244 | 13 | $21,820 | 2 | $71,165 |
| APPLICATIONS DENIED | 5 | $108,892 | 42 | $61,840 | 120 | $99,296 | 20 | $13,243 | 3 | $70,573 |
| APPLICATIONS WITHDRAWN | 1 | $123,550 | 17 | $99,127 | 87 | $93,346 | 6 | $35,043 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $26,715 | 5 | $145,686 | 16 | $113,327 | 2 | $35,865 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 8 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 83 | $92,880 | 176 | $100,984 | 289 | $96,797 | 27 | $14,535 | 0 | $0 | 23 | $76,111 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $82,912 | 17 | $96,471 | 45 | $80,304 | 6 | $34,728 | 2 | $100,255 | 5 | $61,296 |
| APPLICATIONS DENIED | 6 | $91,270 | 48 | $77,069 | 137 | $80,075 | 47 | $14,229 | 0 | $0 | 7 | $60,753 |
| APPLICATIONS WITHDRAWN | 7 | $91,886 | 10 | $107,692 | 94 | $76,689 | 10 | $20,784 | 2 | $1,124,230 | 4 | $89,585 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 4 | $74,358 | 29 | $86,055 | 2 | $35,760 | 0 | $0 | 2 | $54,610 |
Aggregated Statistics For Year 2000 (Based on 8 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 74 | $92,921 | 141 | $105,643 | 85 | $67,507 | 51 | $18,715 | 0 | $0 | 11 | $106,415 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $24,045 | 24 | $86,637 | 22 | $97,861 | 12 | $16,494 | 0 | $0 | 2 | $66,490 |
| APPLICATIONS DENIED | 2 | $86,910 | 40 | $63,853 | 69 | $60,056 | 27 | $34,324 | 2 | $382,915 | 2 | $29,385 |
| APPLICATIONS WITHDRAWN | 4 | $63,968 | 16 | $94,463 | 59 | $76,314 | 10 | $35,602 | 0 | $0 | 5 | $88,946 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $64,115 | 9 | $136,834 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 5 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 32 | $96,551 | 79 | $105,726 | 102 | $84,147 | 34 | $14,136 | 3 | $248,543 | 4 | $71,233 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $102,153 | 9 | $53,216 | 21 | $79,532 | 5 | $21,688 | 0 | $0 | 1 | $54,540 |
| APPLICATIONS DENIED | 0 | $0 | 28 | $53,847 | 57 | $74,674 | 26 | $21,010 | 0 | $0 | 4 | $36,928 |
| APPLICATIONS WITHDRAWN | 2 | $65,720 | 9 | $110,302 | 58 | $73,906 | 8 | $45,474 | 0 | $0 | 1 | $26,470 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 5 | $76,864 | 0 | $0 | 0 | $0 | 1 | $53,930 |
Detailed HMDA statistics for the following Tracts:
0624.03
, 0624.04, 0627.00, 0628.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 10 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 53 | $178,284 | 12 | $226,309 | 3 | $207,777 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 14 | $167,441 | 11 | $177,751 | 2 | $99,735 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $274,720 | 2 | $207,855 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 10 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 34 | $166,864 | 20 | $199,162 | 2 | $118,495 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 9 | $142,962 | 9 | $184,804 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $201,295 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 10 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 52 | $162,747 | 22 | $180,372 | 7 | $116,686 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 19 | $159,288 | 8 | $149,649 | 4 | $105,270 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $155,975 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $105,965 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 10 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 61 | $143,989 | 16 | $143,591 | 4 | $108,008 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 23 | $144,183 | 13 | $131,891 | 2 | $86,560 |
| APPLICATIONS DENIED | 1 | $120,470 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $175,588 | 2 | $246,060 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $52,540 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 10 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 65 | $128,548 | 68 | $115,862 | 4 | $59,920 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 16 | $137,599 | 33 | $117,830 | 1 | $46,110 |
| APPLICATIONS DENIED | 5 | $148,346 | 1 | $109,780 | 3 | $80,423 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $148,165 | 9 | $108,343 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 8 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 53 | $132,834 | 40 | $111,651 | 5 | $96,274 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 9 | $149,039 | 8 | $110,401 | 2 | $66,790 |
| APPLICATIONS DENIED | 3 | $75,190 | 2 | $130,015 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $54,610 | 3 | $115,410 | 2 | $54,610 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 8 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 44 | $108,437 | 34 | $109,872 | 2 | $66,790 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $112,020 | 4 | $62,145 | 0 | $0 |
| APPLICATIONS DENIED | 3 | $104,787 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $110,040 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 8 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
|
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 34 | $110,991 | 4 | $92,168 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $101,370 | 2 | $128,230 |
| APPLICATIONS DENIED | 2 | $70,350 | 4 | $117,993 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 5 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
|
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 22 | $120,025 | 9 | $100,277 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $136,478 | 1 | $102,230 |
| APPLICATIONS DENIED | 1 | $64,810 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $77,090 | 1 | $95,090 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0624.03
, 0624.04, 0627.00, 0628.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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