12160 Zip Code (NY) Detailed Profile

County: Schoharie County, NY

Estimated zip code population in 2022: 820
Zip code population in 2010: 944
Zip code population in 2000: 1,177

Houses and condos: 463
Renter-occupied apartments: 73

% of renters here:	19%
State:	46%

March 2022 cost of living index in zip code 12160: 94.5 (less than average, U.S. average is 100)

Land area: 17.7 sq. mi.
Water area: 0.1 sq. mi.

Population density: 46 people per square mile

(very low).

Age and Sex of Residents in zip code 12160

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Real estate property taxes paid for housing units in 2022:

This zip code:	2.2% ($3,123)
New York:	1.5% ($6,180)

Median real estate property taxes paid for housing units with mortgages in 2022: $3,942 (2.7%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $3,048 (2.4%)

Business Search - 14 Million verified businesses

Males: 438	(53.4%)
Females: 382	(46.6%)

For population 25 years and over in 12160:

High school or higher: 86.0%
Bachelor's degree or higher: 14.4%
Graduate or professional degree: 4.3%
Unemployed: 8.1%
Mean travel time to work (commute): 29.7 minutes

For population 15 years and over in 12160:

Never married: 34.6%
Now married: 45.0%
Separated: 5.5%
Widowed: 5.1%
Divorced: 9.7%

Zip code 12160 compared to state average:

Median house value significantly below state average.
Black race population percentage significantly below state average.
Hispanic race population percentage significantly below state average.
Median age significantly above state average.
Foreign-born population percentage significantly below state average.
Renting percentage significantly below state average.
Length of stay since moving in significantly above state average.
Number of college students below state average.
Percentage of population with a bachelor's degree or higher significantly below state average.

- 74290.7%White
- 384.6%Hispanic or Latino
- 222.7%Two or more races
- 111.3%Black
- 50.6%Asian

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100% rural population.

Estimated median house/condo value in 2022: $141,667

12160:	$141,667
New York:	$400,400

According to our research of New York and other state lists, there was 1 registered sex offender living in 12160 zip code as of May 28, 2024.
The ratio of all residents to sex offenders in zip code 12160 is 959 to 1.
The ratio of registered sex offenders to all residents in this zip code is near the state average.

Median resident age:

This zip code:	49.2 years
New York median age:	40.0 years

Average household size:

This zip code:	2.1 people
New York:	2.5 people

Averages for the 2020 tax year for zip code 12160, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $65,607 (Individual Income Tax Returns)

Here:
$65,607
State:
$90,930

Salary/wage: $60,327 (reported on 82.2% of returns)

Here:
$60,327
State:
$72,104

(% of AGI for various income ranges: 1135.7% for AGIs below $25k, 3652.2% for AGIs $25k-50k, 7002.0% for AGIs $50k-75k, 10012.5% for AGIs $75k-100k, 17888.3% for AGIs $100k-200k)

Taxable interest for individuals: $262 (reported on 35.6% of returns)

This zip code:
$262
New York:
$3,075

(% of AGI for various income ranges: 6.7% for AGIs $25k-50k, 12.0% for AGIs $50k-75k, 10.0% for AGIs $75k-100k, 43.3% for AGIs $100k-200k)

Ordinary dividends: $943 (reported on 15.6% of returns)

Here:
$943
State:
$11,095

(% of AGI for various income ranges: 33.3% for AGIs $25k-50k, 90.0% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$4,000 (reported on 13.3% of returns)

Here:
+$4,000
State:
+$44,925

(% of AGI for various income ranges: 27.8% for AGIs $25k-50k, 358.3% for AGIs $100k-200k)

Profit/loss from business: +$5,267 (reported on 13.3% of returns)

Here:
+$5,267
State:
+$14,940

(% of AGI for various income ranges: 327.1% for AGIs below $25k, 217.5% for AGIs $75k-100k)

Taxable individual retirement arrangement distribution: $15,133 (reported on 6.7% of returns)

12160:
$15,133
New York:
$19,609

(% of AGI for various income ranges: 908.0% for AGIs $50k-75k)

Earned income credit: $2,700 (reported on 8.9% of returns)

Here:
$2,700
State:
$2,138

(% of AGI for various income ranges: 154.3% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2020 taxes: 97.8%

Here:
98%
State:
95%

(% for various income ranges: 90.9% for AGIs below $25k, 100.0% for AGIs $25k-50k, 100.0% for AGIs $50k-75k, 100.0% for AGIs $75k-100k, 100.0% for AGIs $100k-200k)

Averages for the 2012 tax year for zip code 12160, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $50,014 (Individual Income Tax Returns)

Here:
$50,014
State:
$77,088

Salary/wage: $44,062 (reported on 90.7% of returns)

Here:
$44,062
State:
$60,593

(% of AGI for various income ranges: 69.6% for AGIs below $25k, 76.1% for AGIs $25k-50k, 80.4% for AGIs $50k-75k, 79.8% for AGIs $75k-100k, 84.6% for AGIs $100k-200k)

Taxable interest for individuals: $250 (reported on 41.9% of returns)

This zip code:
$250
New York:
$3,125

(% of AGI for various income ranges: 0.4% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.2% for AGIs $100k-200k)

Ordinary dividends: $644 (reported on 20.9% of returns)

Here:
$644
State:
$10,299

(% of AGI for various income ranges: 0.3% for AGIs below $25k, 0.9% for AGIs $25k-50k, 0.3% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$800 (reported on 9.3% of returns)

Here:
+$800
State:
+$42,474

Profit/loss from business: +$7,029 (reported on 16.3% of returns)

Here:
+$7,029
State:
+$16,168

Taxable individual retirement arrangement distribution: $12,300 (reported on 7.0% of returns)

12160:
$12,300
New York:
$17,621

Total itemized deductions: $18,000 (19% of AGI, reported on 30.2% of returns)

Here:
$18,000
State:
$34,985

Here:
19.4% of AGI
State:
21.3% of AGI

(% of AGI for various income ranges: 10.5% for AGIs $25k-50k, 12.1% for AGIs $50k-75k, 13.4% for AGIs $75k-100k, 11.8% for AGIs $100k-200k)

Charity contributions: $1,162 (reported on 18.6% of returns)

Here:
$1,162
State:
$5,572

Taxes paid: $9,562 (reported on 30.2% of returns)

12160:
$9,562
State:
$18,656

(% of AGI for various income ranges: 3.7% for AGIs $25k-50k, 5.5% for AGIs $50k-75k, 6.2% for AGIs $75k-100k, 8.4% for AGIs $100k-200k)

Earned income credit: $1,786 (reported on 16.3% of returns)

Here:
$1,786
State:
$2,230

(% of AGI for various income ranges: 6.7% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2012 taxes: 58.1%

Here:
58%
State:
66%

(% for various income ranges: 50.0% for AGIs below $25k, 63.6% for AGIs $25k-50k, 50.0% for AGIs $50k-75k, 60.0% for AGIs $75k-100k, 80.0% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 12160, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $39,418 (Individual Income Tax Returns)

Here:
$39,418
State:
$59,519

Salary/wage: $37,811 (reported on 85.7% of returns)

Here:
$37,811
State:
$50,673

(% of AGI for various income ranges: 91.8% for AGIs below $10k, 76.8% for AGIs $10k-25k, 80.1% for AGIs $25k-50k, 85.8% for AGIs $50k-75k, 85.0% for AGIs $75k-100k, 76.6% for AGIs over 100k)

Taxable interest for individuals: $493 (reported on 50.0% of returns)

This zip code:
$493
New York:
$2,377

(% of AGI for various income ranges: 4.8% for AGIs below $10k, 1.8% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.3% for AGIs over 100k)

Taxable dividends: $803 (reported on 28.6% of returns)

Here:
$803
State:
$5,394

(% of AGI for various income ranges: 2.1% for AGIs below $10k, 1.7% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.2% for AGIs $75k-100k)

Net capital gain/loss: +$722 (reported on 18.5% of returns)

Here:
+$722
State:
+$23,581

(% of AGI for various income ranges: 1.6% for AGIs $10k-25k, 0.0% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.6% for AGIs $75k-100k)

Profit/loss from business: +$4,032 (reported on 14.6% of returns)

Here:
+$4,032
State:
+$13,809

(% of AGI for various income ranges: -0.9% for AGIs below $10k, 3.3% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.0% for AGIs $75k-100k)

Profit/loss from farming: +$545 (reported on 2.6% of returns)

Here: +$545
State: -$2,666

Total itemized deductions: $14,067 (21% of AGI, reported on 27.9% of returns)

Here:
$14,067
State:
$25,864

Here:
20.8% of AGI
State:
21.9% of AGI

(% of AGI for various income ranges: 11.0% for AGIs $25k-50k, 8.6% for AGIs $50k-75k, 12.8% for AGIs $75k-100k, 14.4% for AGIs over 100k)

Charity contributions deductions: $1,311 (2% of AGI, reported on 21.1% of returns)

Here:
$1,311
State:
$4,439

Here:
1.9% of AGI
State:
3.6% of AGI

(% of AGI for various income ranges: 0.4% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 1.2% for AGIs over 100k)

Total tax: $4,389 (reported on 78.4% of returns)

12160:
$4,389
State:
$11,730

(% of AGI for various income ranges: 2.4% for AGIs below $10k, 4.2% for AGIs $10k-25k, 7.0% for AGIs $25k-50k, 8.5% for AGIs $50k-75k, 10.3% for AGIs $75k-100k, 14.4% for AGIs over 100k)

Earned income credit: $1,439 (reported on 13.4% of returns)

Here:
$1,439
State:
$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 57.0%

Here:
57%
State:
67%

(% for various income ranges: 43.9% for AGIs below $10k, 56.7% for AGIs $10k-25k, 65.3% for AGIs $25k-50k, 62.9% for AGIs $50k-75k, 71.7% for AGIs $75k-100k)

Estimated median household income in 2022:

This zip code:	$69,009
New York:	$79,557

Nearest zip codes: 12035, 12066, 12092, 12031, 12166, 12072.

Percentage of family households:

This zip code:	41.4%
New York:	41.3%

Percentage of households with unmarried partners:

This zip code:	14.2%
New York:	42.3%

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Lesbian couples: 0.0% of all households
Gay men: 0.7% of all households

Household received Food Stamps/SNAP in the past 12 months: 67
Household did not receive Food Stamps/SNAP in the past 12 months: 317

Women who had a birth in the past 12 months: 42 (22 now married, 21 unmarried)
Women who did not have a birth in the past 12 months: 82 (32 now married, 49 unmarried)

Housing units in zip code 12160 with a mortgage: 122 (10 second mortgage, 10 both second mortgage and home equity loan)
Houses without a mortgage: 26

Median monthly owner costs for units with a mortgage: $1,156
Median monthly owner costs for units without a mortgage: $526

Residents with income below the poverty level in 2022:

This zip code:	11.9%
Whole state:	14.3%

Residents with income below 50% of the poverty level in 2022:

This zip code:	5.8%
Whole state:	6.8%

Median number of rooms in houses and condos:

Here:	6.0
State:	6.3

Median number of rooms in apartments:

Here:	4.5
State:	3.8

Notable locations in this zip code not listed on our city pages
Click to draw/clear zip code borders
Cemetery: Sloansville Valley Cemetery (1). Display/hide its location on the map

Reservoir: Conover Pond (A). Display/hide its location on the map

Creek: Fly Creek (A). Display/hide its location on the map

Year house built (houses)
02020 or later
552010 to 2019
212000 to 2009
621990 to 1999
471980 to 1989
861970 to 1979
281960 to 1969
271950 to 1959
31940 to 1949
1371939 or earlier

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in 12160

Bedrooms in owner-occupied houses and condos in 12160
0no bedroom
91 bedroom
762 bedrooms
1913 bedrooms
264 bedrooms
85+ bedrooms

Bedrooms in renter-occupied apartments in 12160

Bedrooms in renter-occupied apartments in 12160
0no bedroom
01 bedroom
62 bedrooms
683 bedrooms
04 bedrooms
05+ bedrooms

Owner-occupied Renter-occupied

Cars and other vehicles available in 12160 in owner-occupied houses/condos

Cars and other vehicles available in 12160 in owner-occupied houses/condos
5no vehicle
1201 vehicle
1382 vehicles
243 vehicles
114 vehicles
115+ vehicles

Cars and other vehicles available in 12160 in renter-occupied apartments

Cars and other vehicles available in 12160 in renter-occupied apartments
23no vehicle
361 vehicle
152 vehicles
03 vehicles
04 vehicles
05+ vehicles

Zip code 12160 household income distribution in 2022
4Less than $10,000
16$10,000 to $14,999
32$15,000 to $19,999
19$20,000 to $24,999
11$25,000 to $29,999
21$30,000 to $34,999
4$35,000 to $39,999
24$40,000 to $44,999
22$45,000 to $49,999
18$50,000 to $59,999
31$60,000 to $74,999
53$75,000 to $99,999
70$100,000 to $124,999
22$125,000 to $149,999
21$150,000 to $199,999
5$200,000 or more

Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12160
8$20,000 to $24,999
7$25,000 to $29,999
3$35,000 to $39,999
2$40,000 to $49,999
17$50,000 to $59,999
8$70,000 to $79,999
18$80,000 to $89,999
6$90,000 to $99,999
57$100,000 to $124,999
17$125,000 to $149,999
36$150,000 to $174,999
25$175,000 to $199,999
34$200,000 to $249,999
16$250,000 to $299,999
28$300,000 to $399,999

Rent paid by renters in 2022 in zip code 12160
10$450 to $499
5$550 to $599
9$750 to $799
20$800 to $899
24No cash rent

Median gross rent in 2022: $1,050.

Median price asked for vacant for-sale houses and condos in 2022: $128,584.

Estimated median house (or condo) value in 2022 for:

White Non-Hispanic householders: $142,167
Hispanic or Latino householders: $108,461

Estimated median house or condo value in 2022: $141,667

12160:	$141,667
New York:	$400,400

Lower value quartile - upper value quartile: $102,242 - $203,838

Owners and renters by unit type in zip code 12160

Breakdown of mean house values by ages of householders

Housing units in structures:

One, detached: 314
One, attached: 5
3 or 4: 4
Mobile homes: 137

Unemployment: 8.1%

Means of transportation to work in zip code 12160
67.4%240Drove a car alone
23.0%82Carpooled
1.4%5Motorcycle
5.3%19Walked
0.8%3Worked at home

Travel time to work (commute) in zip code 12160
3Less than 5 minutes
125 to 9 minutes
1910 to 14 minutes
2815 to 19 minutes
4420 to 24 minutes
4225 to 29 minutes
6130 to 34 minutes
4535 to 39 minutes
3040 to 44 minutes
2945 to 59 minutes
2460 to 89 minutes

Percentage of zip code residents living and working in this county: 40.2%

Household type by relationship:

Households: 820

Male householders: 224 (76 living alone), Female householders: 159 (54 living alone)
150 spouses (150 opposite-sex spouses), 62 unmarried partners, (62 opposite-sex unmarried partners), 147 children (129 natural, 0 adopted, 17 stepchildren), 24 grandchildren, 19 brothers or sisters, 4 parents, 0 foster children, 3 other relatives, 34 non-relatives

Size of family households: 107 2-persons, 33 3-persons, 50 4-persons, 4 5-persons, 2 6-persons, 3 7-or-more-persons

Size of nonfamily households: 130 1-person, 56 2-persons

65 married couples with children.
44 single-parent households (36 men, 8 women).

97.6% of residents of 12160 zip code speak English at home.
1.8% of residents speak Spanish at home (100% very well).
0.5% of residents speak Asian or Pacific Island language at home (100% very well).

Foreign born population: 12 (1.5%)
(100.0% of them are naturalized citizens)

This zip code:	1.5%
Whole state:	22.7%

Most common places of birth for foreign-born residents

45%Sweden
45%United Kingdom, excluding England and Scotland
45%Japan

Most common first ancestries reported in 12160

39%German
19%American
9%Irish
8%Italian
4%English
3%Dutch
0%Polish

Year of entry for the foreign-born population

Year of entry for the foreign-born population
02010 or later
02000 to 2009
01990 to 1999
14Before 1990

Facilities with environmental interests located in this zip code:

COUNTRYSIDE #4 (RTE 20 & 30A in SLOANSVILLE, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: DAVE VINCENT (CONTACT/OPERATOR)

Zip code 12160 marital status for females

Housing units lacking complete plumbing facilities: 3.6%
Housing units lacking complete kitchen facilities: 1.8%

64.5%Fuel oil, kerosene, etc.
15.3%Wood
9.9%Bottled, tank, or LP gas
6.4%Utility gas
4.5%Electricity

Population in 1990: 1,152. Population change in the 1990s: +25 (+2.2%).

Place of birth for U.S.-born residents:

This state: 699
Northeast: 45
South: 38
West: 20

72% of the 12160 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 54% lived in this county.
Out of people who lived in different counties, 50% lived in New York.

90% of the 12160 zip code residents lived in the same house 1 year ago.
Out of people who lived in different houses, 77% moved from this county.
Out of people who lived in different houses, 19% moved from different county within same state.

Year householders moved into unit in 12160

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school):

Here:	0.0%
New York:	15.6%

Students in private schools in grades 9 to 12 (high school): 8

Here:	58.5%
New York:	15.0%

Students in private undergraduate colleges:

Here:	0.0%
New York:	39.2%

School Enrollment by Level of School in 2022

Occupation by median earnings in the past 12 months

Occupation by median earnings in the past 12 months ($)
95,412Construction and extraction occupations
75,504Education, training, and library occupations
53,842Transportation occupations
53,392Management occupations
51,093Business and financial operations occupations
45,253Installation, maintenance, and repair occupations

Top industries in this zip code by the number of employees in 2005:

Construction: Water and Sewer Line and Related Structures Construction (5-9 employees: 1 establishment)
Administrative and Support and Waste Management and Remediation Services: Other Services to Buildings and Dwellings (1-4: 1)
Other Services (except Public Administration): General Automotive Repair (1-4: 1)
Finance and Insurance: Insurance Agencies and Brokerages (1-4: 1)
Other Services (except Public Administration): Religious Organizations (1-4: 1)

Age and Sex of Sensory-Disabled Noninstitutionalized Residents

Age and Sex of Physically-Disabled Noninstitutionalized Residents

Age and Sex of Mentally-Disabled Noninstitutionalized Residents

Age and Sex of Self-Care Disabled Noninstitutionalized Residents

Age and Sex of Go-Outside-Home Disabled Noninstitutionalized Residents

Age and Sex of Noninstitutionalized Residents with Employment Disability

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	6	$139,617	8	$137,920	28	$139,599	6	$62,102	2	$94,390	2	$20,935
APPLICATIONS APPROVED, NOT ACCEPTED	1	$70,410	1	$60,900	2	$184,970	0	$0	0	$0	0	$0
APPLICATIONS DENIED	2	$101,430	3	$96,163	14	$145,090	1	$57,850	2	$90,010	2	$73,265
APPLICATIONS WITHDRAWN	1	$135,490	0	$0	9	$143,444	0	$0	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	3	$109,993	0	$0	0	$0	0	$0

Choose year: 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999

Detailed HMDA statistics for the following Tracts: 9901.00

	A) Conventional Home Purchase Loans		B) Refinancings
Private Mortgage Insurance Companies Aggregated Statistics For Year 2009 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$148,810	0	$0
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$94,010
APPLICATIONS DENIED	0	$0	0	$0
APPLICATIONS WITHDRAWN	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0

Choose year: 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999

Detailed PMIC statistics for the following Tracts: 9901.00

Conventional Home Purchase Loans in zip code 12160

Conventional Home Purchase Loans in zip code 12160 - Value

Name	Count	Lived (average)
Most common first names in zip code 12160 among deceased individuals
Charles	8	77.1 years
Mary	6	85.4 years
Harry	5	64.8 years
George	5	75.8 years
James	5	70.2 years
William	5	69.2 years
Elizabeth	4	78.3 years
Margaret	4	82.0 years
Robert	4	77.0 years
Albert	3	86.0 years

Last name	Count	Lived (average)
Most common last names in zip code 12160 among deceased individuals
Johnson	5	68.6 years
Brown	4	81.2 years
Cross	3	89.0 years
Rivenburgh	3	55.0 years
Radford	3	69.7 years
Hayes	3	68.0 years
Hotaling	3	73.0 years
Provost	3	76.0 years
Abbott	2	91.5 years
Larkin	2	72.5 years

AK	AL	AR	AZ	CA	CO	CT
DC	DE	FL	GA	HI	IA	ID
IL	IN	KS	KY	LA	MA	MD
ME	MI	MN	MO	MS	MT	NC
ND	NE	NH	NJ	NM	NV	NY
OH	OK	OR	PA	RI	SC	SD
TN	TX	UT	VA	VT	WA	WI
WV	WY

AK	AL	AR	AZ	CA	CO	CT
DE	FL	GA	HI	IA	ID	IL
IN	KS	KY	LA	MA	ME	MI
MN	MO	MS	MT	NC	ND	NE
NH	NJ	NM	NV	NY	OH	OK
OR	PA	RI	SC	SD	TN	TX
VA	VT	WA	WI	WV	WY

AK	AL	AR	AZ	CA	CO	CT
DE	FL	GA	HI	IA	ID	IL
IN	KS	KY	LA	MA	ME	MI
MN	MO	MS	MT	NC	ND	NE
NH	NJ	NM	NV	NY	OH	OK
OR	PA	RI	SC	SD	TN	TX
VA	VT	WA	WI	WV	WY

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GA	HI	IA	ID	IL	IN	KS
LA	MA	MD	MI	MN	MO	NC
NE	NJ	NM	NV	NY	OH	OK
OR	PA	RI	SC	TN	TX	UT
VA	WA	WI	WV

AL	CA	CO	DC	DE	FL	GA
IA	ID	IL	IN	KS	KY	LA
MD	ME	MI	MN	NC	NE	NH
NJ	NV	NY	OH	OK	OR	PA
SC	TN	TX	UT	VA	WA	WI

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Aggregated Statistics For Year 2008 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	6	$142,472	8	$116,082	20	$111,840	6	$61,150	2	$113,610	3	$83,223
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$68,890	5	$131,764	1	$8,370	1	$87,540	1	$50,240
APPLICATIONS DENIED	1	$48,340	6	$70,855	22	$120,010	8	$43,626	0	$0	7	$46,814
APPLICATIONS WITHDRAWN	1	$91,720	1	$186,870	9	$124,202	1	$191,060	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$120,080	0	$0	0	$0	0	$0

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	5	$130,850	16	$136,017	29	$115,584	11	$51,693	3	$116,843	3	$69,777
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$77,897	5	$123,542	3	$53,663	1	$51,380	1	$61,280
APPLICATIONS DENIED	0	$0	5	$104,742	29	$115,532	11	$49,547	2	$74,405	3	$66,350
APPLICATIONS WITHDRAWN	2	$137,395	3	$98,577	14	$138,974	3	$68,507	0	$0	1	$54,430
FILES CLOSED FOR INCOMPLETENESS	0	$0	1	$71,550	4	$165,465	0	$0	0	$0	0	$0

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	3	$123,567	27	$125,344	35	$111,853	11	$49,789	3	$87,410	5	$75,282
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$85,763	8	$135,160	1	$14,080	2	$139,300	1	$132,070
APPLICATIONS DENIED	1	$64,700	12	$95,879	30	$101,633	14	$51,626	2	$58,230	7	$63,831
APPLICATIONS WITHDRAWN	1	$154,520	4	$119,222	20	$113,438	1	$44,530	1	$126,360	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	2	$132,450	5	$123,618	0	$0	0	$0	0	$0

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	4	$107,425	19	$115,322	33	$97,238	10	$29,611	3	$91,470	4	$57,470
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$65,843	8	$89,155	1	$46,430	0	$0	1	$33,870
APPLICATIONS DENIED	0	$0	6	$81,132	37	$101,795	12	$51,476	1	$102,000	6	$47,322
APPLICATIONS WITHDRAWN	0	$0	1	$124,840	28	$106,867	3	$106,693	1	$96,670	1	$60,130
FILES CLOSED FOR INCOMPLETENESS	0	$0	2	$164,990	6	$124,837	0	$0	1	$107,710	0	$0

	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)		G) Loans On Manufactured Home Dwelling (A B C & D)
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	3	$95,403	18	$94,685	33	$92,716	7	$58,559	3	$77,263	2	$64,890
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$224,930	6	$92,042	3	$16,113	0	$0	0	$0
APPLICATIONS DENIED	0	$0	6	$89,948	29	$101,647	8	$23,692	2	$72,315	3	$46,687
APPLICATIONS WITHDRAWN	0	$0	2	$99,715	24	$98,432	3	$76,247	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	1	$92,110	1	$150,720	0	$0	0	$0	0	$0

	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)
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$133,210	19	$98,676	53	$80,694	3	$19,157	6	$68,952
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$60,643	7	$85,744	1	$12,560	1	$45,670
APPLICATIONS DENIED	0	$0	5	$53,970	25	$77,414	4	$19,410	1	$46,810
APPLICATIONS WITHDRAWN	1	$141,960	4	$111,135	14	$87,239	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$117,415	0	$0	0	$0

	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)
Aggregated Statistics For Year 2002 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$89,820	16	$93,794	38	$73,897	4	$15,130	3	$48,083
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$26,260	7	$68,617	2	$12,370	1	$17,130
APPLICATIONS DENIED	0	$0	5	$61,276	24	$73,043	3	$24,867	0	$0
APPLICATIONS WITHDRAWN	0	$0	1	$194,870	13	$75,125	1	$32,350	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$37,870	0	$0	0	$0

	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)
Aggregated Statistics For Year 2001 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	4	$73,838	15	$61,023	33	$79,857	8	$15,558	0	$0
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$39,710	6	$60,452	0	$0	0	$0
APPLICATIONS DENIED	0	$0	12	$43,864	24	$66,985	7	$16,529	2	$15,415
APPLICATIONS WITHDRAWN	0	$0	1	$15,990	18	$74,323	2	$10,655	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$55,760	0	$0	0	$0

	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)
Aggregated Statistics For Year 2000 (Based on 4 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	4	$74,788	14	$81,340	16	$60,587	6	$19,220	2	$70,030
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$53,663	6	$62,545	5	$24,054	0	$0
APPLICATIONS DENIED	1	$30,830	11	$41,658	23	$46,698	9	$30,617	0	$0
APPLICATIONS WITHDRAWN	0	$0	2	$71,935	12	$60,325	2	$35,965	2	$61,655
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	3	$88,807	0	$0	1	$50,240

	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)
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$87,875	8	$67,569	15	$68,037	3	$18,283	1	$41,570
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$62,730	4	$71,412	1	$23,350	0	$0
APPLICATIONS DENIED	0	$0	7	$44,440	10	$57,965	4	$19,028	0	$0
APPLICATIONS WITHDRAWN	1	$57,890	1	$81,990	8	$59,479	1	$40,050	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	1	$73,260	0	$0	1	$30,750