Estimated median household income in 2007: $42,266
| This zip code: | $42,266 | | New York: | $53,514 |
Nearest zip codes: 12309, 12303, 12307, 12308, 12305, 12148.
Schenectady Zip Code Map
Housing units in zip code 12304 with a mortgage: 2,726 (201 second mortgage, 281 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 1,467
Median monthly owner costs for units with a mortgage: $1,354
Median monthly owner costs for units without a mortgage: $507
Residents with income below the poverty level in 2007:
| This zip code: | 15.8% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 6.3% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 6.1 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.5 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 28
- 1995 to 1998: 178
- 1990 to 1994: 334
- 1980 to 1989: 536
- 1970 to 1979: 751
- 1960 to 1969: 1,071
- 1950 to 1959: 1,271
- 1940 to 1949: 1,416
- 1939 or earlier: 3,513
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Bedrooms in owner-occupied houses in Schenectady, NY (12304): |
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- no bedroom: 8
- 1 bedrooms: 153
- 2 bedrooms: 1,020
- 3 bedrooms: 2,598
- 4 bedrooms: 925
- 5 or more bedrooms: 165
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 44
- 1 bedrooms: 931
- 2 bedrooms: 1,226
- 3 bedrooms: 1,070
- 4 bedrooms: 140
- 5 or more bedrooms: 7
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Vehicles available in 12304 zip code in owner-occupied houses/condos: |
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- no vehicle: 305
- 1 vehicle: 1,871
- 2 vehicles: 1,969
- 3 vehicles: 618
- 4 vehicles: 93
- 5 or more vehicles: 13
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 997
- 1 vehicle: 1,668
- 2 vehicles: 670
- 3 vehicles: 52
- 4 vehicles: 31
- 5 or more vehicles: 0
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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 12304:
- Less than $10,000: 7
- $10,000 to $14,999: 4
- $15,000 to $19,999: 4
- $20,000 to $24,999: 7
- $25,000 to $29,999: 8
- $30,000 to $34,999: 18
- $35,000 to $39,999: 22
- $40,000 to $49,999: 15
- $50,000 to $59,999: 27
- $60,000 to $69,999: 63
- $70,000 to $79,999: 79
- $80,000 to $89,999: 148
- $90,000 to $99,999: 199
- $100,000 to $124,999: 637
- $125,000 to $149,999: 882
- $150,000 to $174,999: 973
- $175,000 to $199,999: 712
- $200,000 to $249,999: 431
- $250,000 to $299,999: 291
- $300,000 to $399,999: 255
- $400,000 to $499,999: 32
- $500,000 to $749,999: 9
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Rent paid by renters in 2007 in zip code 12304:
- Less than $100: 40
- $100 to $149: 25
- $150 to $199: 94
- $200 to $249: 115
- $250 to $299: 66
- $300 to $349: 133
- $350 to $399: 198
- $400 to $449: 239
- $450 to $499: 244
- $500 to $549: 245
- $550 to $599: 194
- $600 to $649: 182
- $650 to $699: 102
- $700 to $749: 67
- $750 to $799: 23
- $800 to $899: 64
- $900 to $999: 12
- $1,000 to $1,249: 46
- $1,250 to $1,499: 43
- $1,500 to $1,999: 66
- $2,000 or more: 22
- No cash rent: 132
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Median price asked for vacant for-sale houses and condos in 2007: $125,790.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $163,506
- Black or African American householders: $147,282
- American Indian or Alaska Native householders: $179,098
- Asian householders: $222,925
- Some other race householders: $183,945
- Two or more races householders: $127,686
- Hispanic or Latino householders: $143,068
Estimated median house or condo value in 2007: $167,890 (it was $74,700 in 2000)
| 12304: | $167,890 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $92,718 - $206,501
Mean price in 2007:
Detached houses: $159,356| Here: | $159,356 | | State: | $352,556 |
Townhouses or other attached units: $244,224| Here: | $244,224 | | State: | $476,263 |
In 2-unit structures: $129,253| Here: | $129,253 | | State: | $482,362 |
In 3-to-4-unit structures: $171,343| Here: | $171,343 | | State: | $552,553 |
In 5-or-more-unit structures: $107,665| Here: | $107,665 | | State: | $503,284 |
Mobile homes: $25,711| Here: | $25,711 | | State: | $40,766 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 5,037
- One, attached: 176
- Two: 1,848
- 3 or 4: 865
- 5 to 9: 532
- 10 to 19: 206
- 20 to 49: 59
- 50 or more: 233
- Mobile homes: 142

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Means of transportation to work
- Drove a car alone: 7,005 (77%)
- Carpooled: 984 (11%)
- Bus or trolley bus: 427 (5%)
- Taxi: 47 (1%)
- Bicycle: 29 (0%)
- Walked: 292 (3%)
- Other means: 52 (1%)
- Worked at home: 241 (3%)
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Travel time to work
- Less than 5 minutes: 219
- 5 to 9 minutes: 894
- 10 to 14 minutes: 1531
- 15 to 19 minutes: 1435
- 20 to 24 minutes: 1625
- 25 to 29 minutes: 688
- 30 to 34 minutes: 1368
- 35 to 39 minutes: 119
- 40 to 44 minutes: 164
- 45 to 59 minutes: 388
- 60 to 89 minutes: 224
- 90 or more minutes: 181
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Percentage of zip code residents living and working in this county: 52.0%
Household type by relationship
Households: 20,101
- In family households: 16,500 (3,313 male householders, 1,982 female householders)
3,450 spouses, 6,328 children (5,972 natural, 170 adopted, 186 stepchildren), 210 grandchildren, 242 brothers or sisters, 162 parents, 199 other relatives, 614 non-relatives
- In nonfamily households: 3,601 (1,402 male householders (1,108 living alone)), 1,657 female householders (1,488 living alone)), 542 nonrelatives
- In group quarters: 842 (715 institutionalized population)
Size of family households: 2,165 2-persons, 1,308 3-persons, 1,085 4-persons, 484 5-persons, 162 6-persons, 91 7-or-more-persons.
Size of nonfamily households: 2,596 1-person, 424 2-persons, 39 3-persons.
2,927 married couples with children.
1,937 single-parent households (366 men, 1,571 women).
88.5% of residents of 12304 zip code speak English at home.
4.4% of residents speak Spanish at home (63% very well, 22% well, 14% not well, 1% not at all).
5.3% of residents speak other Indo-European language at home (70% very well, 19% well, 9% not well, 1% not at all).
1.0% of residents speak Asian or Pacific Island language at home (25% very well, 16% well, 25% not well, 34% not at all).
0.9% of residents speak other language at home (56% very well, 36% well, 9% not well).
Foreign born population: 1,360 (6.5%)
(53.6% of them are naturalized citizens)
| This zip code: | 6.5% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Guyana (23%)
- Poland (9%)
- China, excluding Hong Kong and Taiwan (8%)
- Italy (5%)
- El Salvador (5%)
- Afghanistan (5%)
- Korea (3%)
Year of entry for the foreign-born population |
|
- 1995 to March 2000: 419
- 1990 to 1994: 182
- 1985 to 1989: 266
- 1980 to 1984: 112
- 1975 to 1979: 51
- 1970 to 1974: 50
- 1970 to 1974: 68
- 1965 to 1969: 212
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White population: 16,460
Black population: 2,799
American Indian population: 59
Asian population: 568
Native Hawaiian and Other Pacific Islander population: 8
Some other race population: 466
Two or more races population: 609

First ancestries reported:
|  Other groups: 3561 |
|  Italian: 3019 |
|  Irish: 2416 |
|  German: 1927 |
|  Polish: 1666 |
|  English: 925 |
|  French (except Basque): 809 |
|  United States or American: 724 |
|  Dutch: 452 |
|  French Canadian: 278 |
|  Scottish: 260 |
|  Subsaharan African:: 218 |
|  Guyanese: 213 |
|  African: 130 |
|  Scotch-Irish: 125 |
|  West Indian (excluding Hispanic groups):: 110 |
|  Afghan: 102 |
|  Arab:: 88 |
|  Lithuanian: 78 |
|  Russian: 74 |
|  West Indian: 68 |
|  Nigerian: 66 |
|  Hungarian: 64 |
|  Swedish: 60 |
|  British: 53 |
|  European: 50 |
|  Greek: 50 |
|  Czech: 48 |
|  Armenian: 48 |
|  Ukrainian: 43 |
|  Austrian: 40 |
|  Jamaican: 33 |
|  Egyptian: 32 |
|  Norwegian: 30 |
|  Swiss: 28 |
|  Syrian: 27 |
|  Sudanese: 22 |
|  Palestinian: 20 |
|  Welsh: 17 |
|  Finnish: 15 |
|  Czechoslovakian: 11 |
|  Belgian: 10 |
|  Portuguese: 9 |
|  Arab/Arabic: 9 |
|  Haitian: 9 |
|  Slovak: 8 |
|  Iranian: 8 |
|  Eastern European: 7 |
|  Canadian: 7 |
|  Romanian: 7 |
|  Assyrian/Chaldean/Syriac: 7 |

Public primary/middle schools in zip code 12304 not listed on the city page:- LINCOLN SCHOOL (Students: 376; Location: 2 ROBINSON ST, SCHENECTADY, NY; Grades: PK - 05)
- WOODLAWN SCHOOL (Students: 360; Location: 3311 WELLS AVE, SCHENECTADY, NY; Grades: KG - 05)
- PAIGE ES (Students: 353; Location: 104 ELLIOTT AVE, SCHENECTADY, NY; Grades: KG - 05)
- O.D. HECK DVLPMNTL CTR - AUTISM PROG (Students: 3; Location: 500 BALLTOWN RD BLDG, SCHENECTADY, NY; Grades: UG - UG)
Private primary/middle school not listed on the city page:- ANNUR ISLAMIC SCHOOL (Students: 52; Location: 21 LANSING RD N, SCHENECTADY, NY; Grades: PK - 3)
Facitilies with environmental interests located in this zip code:
- COLLISION EXPERTS (1751 STATE ST in SCHENECTADY, NY)
STATE MASTER (New York facility tracking) - AIR PROGRAM,
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business SIC classification: TOP, BODY, AND UPHOLSTERY REPAIR SHOPS AND PAINT SHOPS
Organizations: LANDMARK DEVELOPMENT (CONTACT/OWNER)
, R & B AUTOBODY (LEGALLY RESPONSIBLE PARTY)
, COLLISION EXPERTS AUTO COLLISION CENTERS INC (LEGALLY RESPONSIBLE PARTY)
Alternative names: R & B AUTOBODY & RADIATOR INC, R & B AUTOBODY & RADIATOR INC, R & B AUTOBODY SHOP
- HENRY S DRYCLEANING EMPORIUM (1610 STATE ST in SCHENECTADY, NY)
AIR SYNTHETIC MINOR (AIRS/AFS)
STATE MASTER (New York facility tracking) - AIR PROGRAM, HAZARDOUS WASTE PROGRAM
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste))
Business SIC classification: DRYCLEANING PLANTS, EXCEPT RUG CLEANING
Business NAICS classification: DRYCLEANING AND LAUNDRY SERVICES (EXCEPT COIN-OPERATED).
Organizations: WOODLAWN HENRYS CLEANERS LTD (LEGALLY RESPONSIBLE PARTY)
Alternative names: HENRY'S DRYCLEANING EMPORIUM, WOODLAWN HENRYS CLEANERS LTD
- AMERADA HESS STATION 32226 (2222 CENTRAL AVE in SCHENECTADY, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Organizations: AMERADA HESS CORP (CONTACT/OPERATOR)
- GETTY PETROLEUM CORP (STATE ST & BALLTOWN RD in SCHENECTADY, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
- GOODYEAR TIRE & RUBBER CO (3713 STATE ST in SCHENECTADY, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
- HOME DEPOT USA INC HD1239 (2500 CAMBRIDGE RD in SCHENECTADY, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
Alternative names: HOME DEPOT THE 1239
- CUMBERLAND FARMS #3121 (1429 STATE ST in SCHENECTADY, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Organizations: CUMBERLAND FARMS INC (CONTACT/OWNER)
- ANDREW BUICK (1505 STATE ST in SCHENECTADY, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Organizations: BILL & GEORGE ELLIOTT (CONTACT/OWNER)
- COLONIE IMPORTS DIST LTD (2116 CENTRAL AVENUE in SCHENECTADY, NY)
AIR SYNTHETIC MINOR (AIRS/AFS)
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste))
Alternative names: COLONIE IMPORTS DISTRIBUTOR INC, COLONIE TOYOTA
- COLONIE MOTORS INC (2242 CENTRAL AVE in SCHENECTADY, NY)
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
- AMERADA HESS STATION 32405 (2501 WATT ST in SCHENECTADY, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
Alternative names: AMERADA HESS STATION NUMBER 32405
Median worth of mobile homes: $23,026
Housing units lacking complete plumbing facilities: 0%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Utility gas (76%)
- Electricity (13%)
- Fuel oil, kerosene, etc. (9%)
- Bottled, tank, or LP gas (2%)
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Place of birth for U.S.-born residents:
- This state: 16940
- Northeast: 1025
- Midwest: 419
- South: 761
- West: 145
58% of the 12304 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 63% lived in this county.
Out of people who lived in different counties, 78% lived in New York.
Population in 1990: 20,431. Population change in the 1990s: +538 (+2.6%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 241
| Here: | 9.4% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 114
| Here: | 11.2% | | New York: | 13.2% |
Students in private undergraduate colleges: 95
| Here: | 16.2% | | New York: | 38.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code (SCHENECTADY, NY):
- MALONE & TATE BUILDERS, INC (2217 CENTRAL AVENUE; small business): $1,236,940 in 5 contracts from 2002 to 2004
Contracts for Construction of Structures and Facilities -- Other Administrative Facilities and Service Buildings, Construction of Structures and Facilities -- Office Buildings by Army Signed by year: 2000: $0; 2001: $0; 2002: $127,585; 2003: $1,082,469; 2004: $26,886; 2005: $0; 2006: $0.
Biggest contracts:
$1,037,563 with Army for Construction of Structures and Facilities -- Other Administrative Facilities and Service Buildings. Signed on 2003-09-03. Completion date: 2004-03-31.
$127,585 with Army for Construction of Structures and Facilities -- Office Buildings. Signed on 2002-08-21. Completion date: 2004-08-02.
$44,906 with Army for Construction of Structures and Facilities -- Other Administrative Facilities and Service Buildings. Signed on 2003-11-18. Completion date: 2004-03-31.
$16,781, same as above. Signed on 2004-08-09. Completion date: 2004-05-31.
- POWER OF DESIGN (2935 GIBSON ST; small business): $523,966 in 3 contracts from 2005 to 2006
$409,850 with Army for Defense Tank - Automotive -- Advanced Development (R&D). Taking place in PA. Signed on 2006-02-27. Completion date: 2008-02-27.
$66,984, same as above. Signed on 2005-01-27. Completion date: 2005-07-27.
$47,132, same as above. Signed on 2005-10-06. Completion date: 2006-02-06.
- TRANSTECH SYSTEMS INC (1594 STATE ST; small business): $259,841 in 4 contracts from 2000 to 2006
$149,996 with Office of Policy, Management and Budget/Chief Financial Officer for Other Research and Development -- Basic Research (R&D). Signed on 2006-08-31. Effective on 2006-09-01. Completion date: 2007-03-15.
$69,995 with Army for Other Research and Development -- Applied Research and Exploratory Development (R&D). Signed on 2005-11-08. Completion date: 2006-05-08.
$32,000 with Federal Highway Administration for Miscellaneous Items. Signed on 2000-05-15. Completion date: 2000-06-15.
$7,850 with Indian Affairs (Assistant Secretary) for Miscellaneous Items. Taking place in MT. Signed on 2004-05-26. Completion date: 2004-06-01.
- MAPCO ENTERPRISES INC (99 CORDELL ROAD; small business): $25,553 in 6 contracts from 2004 to 2006
Contracts for Guns, over 150 mm through 200 mm, Construction of Structures and Facilities -- Office Buildings, Other Quality Control, Testing and Inspection Services -- Miscellaneous, Maintenance, Repair and Rebuilding of Equipment -- Weapons by Army Signed by year: 2000: $0; 2001: $0; 2002: $0; 2003: $0; 2004: $24,193; 2005: $1,520; 2006: $-160.
Biggest contracts:
$12,225 with Army for Guns, over 150 mm through 200 mm. Signed on 2004-01-13. Completion date: 2005-01-12.
$6,793 with Army for Construction of Structures and Facilities -- Office Buildings. Signed on 2004-02-09. Completion date: 2004-02-27.
$3,250 with Army for Other Quality Control, Testing and Inspection Services -- Miscellaneous. Signed on 2004-05-03. Completion date: 2004-05-06.
$1,925, same as above. Signed on 2004-05-20. Completion date: 2004-05-06.
- CLARDON SWIMMING POOL SERVICE (2199 CENTRAL AVENUE; small business): $22,200 in 4 contracts in 2004
$14,500 with Army for Maintenance, Repair and Rebuilding of Equipment -- Recreational and Athletic Equipment. Signed on 2004-04-13. Completion date: 2004-05-12.
$4,260, same as above. Signed on 2004-05-21. Completion date: 2004-05-12.
$3,000 with Army for Installation of Equipment -- Miscellaneous. Signed on 2004-06-04. Completion date: 2004-06-25.
$440 with Army for Maintenance, Repair and Rebuilding of Equipment -- Recreational and Athletic Equipment. Signed on 2004-07-06. Completion date: 2004-05-12.
- VALLEY EQUIPMENT COMPANY, INC (16 WILBER AVE; small business)
$4,200 with Army for Maintenance, Repair and Rebuilding of Equipment -- Miscellaneous. Signed on 2005-09-27. Completion date: 2005-10-14.
Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: General Medical and Surgical Hospitals (over 1000 employees: 1 establishment)
- Educational Services: Elementary and Secondary Schools (250-499: 1, 50-99: 2)
- Accommodation and Food Services: Full-Service Restaurants (50-99: 2, 20-49: 2, 10-19: 1, 5-9: 1, 1-4: 7)
- Health Care and Social Assistance: Nursing Care Facilities (100-249: 1, 50-99: 1, 1-4: 1)
- Health Care and Social Assistance: Child Day Care Services (50-99: 2, 20-49: 1, 10-19: 2, 5-9: 2, 1-4: 1)
- Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (20-49: 3, 10-19: 5, 5-9: 4, 1-4: 6)
- Administrative and Support and Waste Management and Remediation Services: Telemarketing Bureaus (100-249: 1, 20-49: 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
- 636 people in nursing homes
- 73 people in residential treatment centers for emotionally disturbed children
- 46 people in homes for the mentally ill
- 45 people in homes for the mentally retarded
- 20 people in religious group quarters
- 11 people in other noninstitutional group quarters
- 10 people in homes for abused, dependent, and neglected children
Fatal accident statistics in 2006
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 1
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 1
- Persons involved in fatal accidents: 1
- Pedestrians involved in fatal accidents: 0
Fatal accident statistics in 2005
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 2
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 3
- Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 6 full and 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 | 113 | $126,737 | 547 | $103,190 | 557 | $105,491 | 173 | $39,376 | 2 | $106,805 | 123 | $88,694 | 4 | $43,500 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $178,777 | 93 | $110,824 | 151 | $98,665 | 45 | $44,775 | 0 | $0 | 28 | $88,398 | 4 | $35,978 |
| APPLICATIONS DENIED | 5 | $121,872 | 222 | $91,561 | 568 | $105,198 | 278 | $42,612 | 2 | $149,730 | 79 | $84,092 | 7 | $54,967 |
| APPLICATIONS WITHDRAWN | 15 | $133,382 | 62 | $97,734 | 306 | $114,145 | 47 | $52,617 | 2 | $179,675 | 13 | $95,688 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 5 | $84,282 | 44 | $99,147 | 56 | $115,995 | 6 | $77,593 | 0 | $0 | 15 | $94,151 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 6 full and 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 | 122 | $120,716 | 817 | $84,602 | 697 | $94,648 | 209 | $36,686 | 4 | $180,403 | 223 | $75,997 | 1 | $62,040 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 11 | $115,130 | 90 | $84,343 | 143 | $93,650 | 42 | $37,343 | 2 | $1,264,115 | 29 | $81,840 | 0 | $0 |
| APPLICATIONS DENIED | 8 | $114,135 | 234 | $84,835 | 684 | $94,109 | 275 | $37,953 | 0 | $0 | 114 | $72,264 | 2 | $33,900 |
| APPLICATIONS WITHDRAWN | 27 | $102,709 | 64 | $92,130 | 449 | $91,089 | 45 | $68,661 | 0 | $0 | 44 | $87,212 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 5 | $129,530 | 49 | $111,987 | 156 | $100,160 | 8 | $68,779 | 0 | $0 | 17 | $96,907 | 2 | $90,295 |
Aggregated Statistics For Year 2005 (Based on 6 full and 10 partial tracts)
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| 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 | 120 | $99,693 | 805 | $85,699 | 750 | $93,288 | 192 | $41,882 | 7 | $1,193,967 | 211 | $69,338 | 4 | $51,078 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $102,732 | 111 | $73,113 | 170 | $86,701 | 37 | $36,224 | 3 | $103,810 | 51 | $68,955 | 1 | $34,170 |
| APPLICATIONS DENIED | 9 | $100,979 | 209 | $74,884 | 813 | $86,242 | 226 | $36,148 | 3 | $309,707 | 130 | $66,142 | 4 | $52,065 |
| APPLICATIONS WITHDRAWN | 11 | $107,606 | 93 | $81,068 | 562 | $97,046 | 57 | $137,111 | 2 | $129,135 | 64 | $83,560 | 2 | $25,980 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $77,390 | 17 | $116,981 | 107 | $102,900 | 8 | $36,431 | 0 | $0 | 9 | $72,902 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 6 full and 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 | 126 | $84,016 | 710 | $79,068 | 833 | $82,933 | 141 | $31,758 | 2 | $485,660 | 190 | $64,512 | 3 | $56,203 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $74,790 | 72 | $81,144 | 212 | $80,206 | 25 | $37,950 | 4 | $1,948,635 | 22 | $66,126 | 1 | $47,090 |
| APPLICATIONS DENIED | 13 | $85,518 | 153 | $75,352 | 696 | $77,230 | 148 | $24,640 | 0 | $0 | 85 | $63,863 | 7 | $24,404 |
| APPLICATIONS WITHDRAWN | 26 | $80,268 | 81 | $77,073 | 485 | $83,843 | 28 | $62,211 | 2 | $68,985 | 39 | $60,728 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $55,260 | 52 | $78,259 | 67 | $79,316 | 4 | $60,643 | 0 | $0 | 8 | $58,049 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 6 full and 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 | 166 | $86,788 | 592 | $79,423 | 1,137 | $81,761 | 63 | $25,486 | 4 | $1,593,023 | 209 | $58,823 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $106,715 | 75 | $73,991 | 229 | $72,309 | 16 | $25,917 | 3 | $91,120 | 33 | $63,372 |
| APPLICATIONS DENIED | 16 | $70,311 | 159 | $65,644 | 657 | $73,309 | 87 | $24,032 | 4 | $72,968 | 78 | $59,847 |
| APPLICATIONS WITHDRAWN | 19 | $87,630 | 77 | $77,374 | 361 | $80,567 | 10 | $23,939 | 3 | $1,413,540 | 38 | $64,830 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $84,383 | 25 | $77,788 | 45 | $84,083 | 0 | $0 | 0 | $0 | 5 | $62,830 |
Aggregated Statistics For Year 2002 (Based on 6 full and 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 | 145 | $74,151 | 558 | $70,245 | 607 | $79,140 | 69 | $18,931 | 8 | $511,423 | 162 | $51,378 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $85,545 | 55 | $76,542 | 138 | $68,264 | 24 | $33,358 | 0 | $0 | 20 | $61,056 |
| APPLICATIONS DENIED | 14 | $79,191 | 162 | $59,729 | 544 | $62,290 | 89 | $15,076 | 0 | $0 | 54 | $56,854 |
| APPLICATIONS WITHDRAWN | 10 | $79,960 | 55 | $63,129 | 311 | $71,346 | 23 | $21,169 | 0 | $0 | 23 | $56,885 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $93,410 | 13 | $77,334 | 60 | $71,825 | 1 | $6,740 | 0 | $0 | 4 | $63,955 |
Aggregated Statistics For Year 2001 (Based on 6 full and 10 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 | 214 | $67,331 | 379 | $74,651 | 464 | $72,173 | 117 | $16,298 | 94 | $47,287 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $59,598 | 50 | $68,957 | 103 | $59,260 | 23 | $29,497 | 22 | $42,339 |
| APPLICATIONS DENIED | 22 | $61,462 | 105 | $53,226 | 520 | $57,870 | 133 | $20,321 | 48 | $56,684 |
| APPLICATIONS WITHDRAWN | 13 | $74,586 | 40 | $79,430 | 298 | $65,753 | 24 | $31,932 | 4 | $66,058 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $68,760 | 13 | $65,023 | 53 | $61,318 | 5 | $9,124 | 4 | $36,843 |
Aggregated Statistics For Year 2000 (Based on 6 full and 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 | 175 | $59,771 | 338 | $67,942 | 221 | $55,101 | 125 | $16,831 | 3 | $4,205,140 | 48 | $50,988 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $67,223 | 37 | $63,356 | 52 | $48,980 | 61 | $18,524 | 0 | $0 | 9 | $53,270 |
| APPLICATIONS DENIED | 29 | $69,300 | 122 | $55,731 | 421 | $51,902 | 149 | $20,449 | 0 | $0 | 28 | $52,898 |
| APPLICATIONS WITHDRAWN | 21 | $57,676 | 49 | $58,262 | 239 | $53,922 | 27 | $28,448 | 2 | $1,499,700 | 10 | $41,040 |
| FILES CLOSED FOR INCOMPLETENESS | 6 | $45,635 | 12 | $66,343 | 44 | $61,832 | 1 | $47,210 | 0 | $0 | 4 | $42,120 |
Aggregated Statistics For Year 1999 (Based on 3 full and 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 | 84 | $68,021 | 143 | $67,316 | 197 | $62,541 | 70 | $12,657 | 1 | $715,320 | 23 | $48,679 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $58,725 | 17 | $71,700 | 69 | $64,597 | 18 | $20,059 | 0 | $0 | 6 | $51,448 |
| APPLICATIONS DENIED | 6 | $63,237 | 33 | $59,085 | 193 | $55,226 | 80 | $16,296 | 0 | $0 | 18 | $44,057 |
| APPLICATIONS WITHDRAWN | 12 | $66,967 | 24 | $61,708 | 157 | $60,760 | 26 | $43,398 | 0 | $0 | 4 | $64,853 |
| FILES CLOSED FOR INCOMPLETENESS | 3 | $60,720 | 2 | $77,170 | 31 | $67,250 | 0 | $0 | 0 | $0 | 3 | $51,763 |
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 6 full and 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 | 183 | $116,930 | 41 | $135,210 | 14 | $104,669 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 44 | $117,490 | 14 | $131,856 | 3 | $94,483 |
| APPLICATIONS DENIED | 14 | $78,626 | 2 | $132,905 | 6 | $79,303 |
| APPLICATIONS WITHDRAWN | 10 | $122,034 | 3 | $142,880 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $116,790 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 6 full and 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 | 155 | $105,543 | 39 | $111,166 | 20 | $77,804 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 34 | $97,491 | 16 | $120,999 | 3 | $95,460 |
| APPLICATIONS DENIED | 4 | $97,813 | 3 | $69,977 | 4 | $65,838 |
| APPLICATIONS WITHDRAWN | 6 | $112,815 | 4 | $135,363 | 1 | $73,570 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 6 full and 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 | 166 | $103,416 | 46 | $108,398 | 19 | $74,862 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 30 | $107,411 | 22 | $88,505 | 3 | $66,220 |
| APPLICATIONS DENIED | 4 | $80,213 | 0 | $0 | 2 | $60,890 |
| APPLICATIONS WITHDRAWN | 9 | $121,517 | 5 | $70,582 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 3 | $91,307 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 6 full and 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 | 188 | $80,305 | 52 | $94,072 | 31 | $66,887 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 27 | $89,003 | 32 | $95,043 | 5 | $72,150 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $126,630 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 9 | $98,786 | 6 | $83,748 | 2 | $88,940 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $199,620 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 6 full and 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 | 191 | $84,271 | 102 | $96,179 | 38 | $62,164 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 47 | $95,514 | 44 | $88,055 | 5 | $69,820 |
| APPLICATIONS DENIED | 5 | $79,946 | 1 | $59,350 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $68,903 | 2 | $91,345 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 11 | $66,433 | 6 | $74,550 | 2 | $75,865 |
Aggregated Statistics For Year 2002 (Based on 6 full and 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 | 175 | $81,617 | 70 | $85,872 | 36 | $59,965 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 32 | $98,811 | 21 | $87,187 | 10 | $75,556 |
| APPLICATIONS DENIED | 15 | $77,321 | 3 | $61,733 | 10 | $62,386 |
| APPLICATIONS WITHDRAWN | 9 | $72,277 | 4 | $64,600 | 5 | $43,662 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 6 full and 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 | 106 | $81,956 | 41 | $91,009 | 16 | $54,472 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 20 | $99,684 | 7 | $81,976 | 7 | $49,091 |
| APPLICATIONS DENIED | 7 | $87,561 | 4 | $70,893 | 6 | $47,170 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $66,955 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 6 full and 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 | 84 | $74,097 | 16 | $66,764 | 10 | $54,292 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 18 | $86,062 | 6 | $75,372 | 5 | $32,742 |
| APPLICATIONS DENIED | 5 | $43,964 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $53,157 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $62,955 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 3 full and 5 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 | 27 | $75,923 | 20 | $86,963 | 1 | $48,130 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $85,580 | 5 | $71,530 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $64,290 | 2 | $99,960 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $79,903 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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