12824 Zip Code (NY) Detailed Profile

County: Warren County, NY

Estimated zip code population in 2022: 1,070
Zip code population in 2010: 894
Zip code population in 2000: 735

Houses and condos: 1,024
Renter-occupied apartments: 37

% of renters here:	8%
State:	46%

March 2022 cost of living index in zip code 12824: 94.0 (less than average, U.S. average is 100)

Land area: 15.2 sq. mi.
Water area: 0.5 sq. mi.

Population density: 71 people per square mile

(very low).

Age and Sex of Residents in zip code 12824

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Real estate property taxes paid for housing units in 2022:

This zip code:	1.1% ($3,823)
New York:	1.5% ($6,180)

Median real estate property taxes paid for housing units with mortgages in 2022: $3,121 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $4,348 (1.2%)

Business Search - 14 Million verified businesses

Males: 558	(52.1%)
Females: 512	(47.9%)

For population 25 years and over in 12824:

High school or higher: 93.6%
Bachelor's degree or higher: 43.3%
Graduate or professional degree: 22.0%
Unemployed: 3.5%
Mean travel time to work (commute): 32.7 minutes

For population 15 years and over in 12824:

Never married: 21.1%
Now married: 54.2%
Separated: 6.4%
Widowed: 5.6%
Divorced: 12.7%

Zip code 12824 compared to 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 above state average.
Number of rooms per house above state average.
House age below state average.
Number of college students below state average.

- 1,01795.2%White
- 292.7%Hispanic or Latino
- 131.2%Black
- 90.8%Two or more races

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Recent posts about zip code 12824 area on our local forum with over 2,400,000 registered users:

	smaller Upstate NY cities and towns/African American communities (6002 replies)
	Syracuse named one of 12 up-and-coming housing markets (266 replies)

100% rural population.

Estimated median house/condo value in 2022: $357,869

12824:	$357,869
New York:	$400,400

According to our research of New York and other state lists, there was 1 registered sex offender living in 12824 zip code as of May 28, 2024.
The ratio of all residents to sex offenders in zip code 12824 is 1,181 to 1.
The ratio of registered sex offenders to all residents in this zip code is lower than the state average.

Median resident age:

This zip code:	58.1 years
New York median age:	40.0 years

Average household size:

This zip code:	2.2 people
New York:	2.5 people

Averages for the 2020 tax year for zip code 12824, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $99,544 (Individual Income Tax Returns)

Here:
$99,544
State:
$90,930

Salary/wage: $67,493 (reported on 70.7% of returns)

Here:
$67,493
State:
$72,104

(% of AGI for various income ranges: 1538.3% for AGIs below $25k, 2974.3% for AGIs $25k-50k, 5265.0% for AGIs $50k-75k, 9355.0% for AGIs $75k-100k, 13192.5% for AGIs $100k-200k)

Taxable interest for individuals: $1,468 (reported on 46.3% of returns)

This zip code:
$1,468
New York:
$3,075

(% of AGI for various income ranges: 6.7% for AGIs below $25k, 15.7% for AGIs $25k-50k, 150.0% for AGIs $50k-75k, 80.0% for AGIs $75k-100k, 235.0% for AGIs $100k-200k)

Ordinary dividends: $9,157 (reported on 34.1% of returns)

Here:
$9,157
State:
$11,095

(% of AGI for various income ranges: 210.0% for AGIs below $25k, 657.5% for AGIs $50k-75k, 1492.5% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$10,433 (reported on 29.3% of returns)

Here:
+$10,433
State:
+$44,925

(% of AGI for various income ranges: 76.7% for AGIs below $25k, 392.5% for AGIs $50k-75k, 2622.5% for AGIs $100k-200k)

Profit/loss from business: +$14,014 (reported on 17.1% of returns)

Here:
+$14,014
State:
+$14,940

(% of AGI for various income ranges: 514.3% for AGIs $25k-50k, 1552.5% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $24,680 (reported on 12.2% of returns)

12824:
$24,680
New York:
$19,609

(% of AGI for various income ranges: 264.3% for AGIs $25k-50k, 2622.5% for AGIs $100k-200k)

Total itemized deductions: $33,800 (reported on 9.8% of returns)

Here:
$33,800
State:
$39,326

(% of AGI for various income ranges: 3380.0% for AGIs $100k-200k)

Charity contributions: $5,525 (reported on 9.8% of returns)

Here:
$5,525
State:
$15,420

(% of AGI for various income ranges: 552.5% for AGIs $100k-200k)

Taxes paid: $9,150 (reported on 9.8% of returns)

12824:
$9,150
State:
$9,183

(% of AGI for various income ranges: 915.0% for AGIs $100k-200k)

Earned income credit: $1,800 (reported on 7.3% of returns)

Here:
$1,800
State:
$2,138

(% of AGI for various income ranges: 90.0% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2020 taxes: 97.6%

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, 100.0% for AGIs over 200k)

Averages for the 2012 tax year for zip code 12824, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $69,335 (Individual Income Tax Returns)

Here:
$69,335
State:
$77,088

Salary/wage: $54,207 (reported on 75.0% of returns)

Here:
$54,207
State:
$60,593

(% of AGI for various income ranges: 70.8% for AGIs below $25k, 55.8% for AGIs $25k-50k, 62.0% for AGIs $50k-75k, 74.6% for AGIs $75k-100k, 53.6% for AGIs $100k-200k)

Taxable interest for individuals: $881 (reported on 40.0% of returns)

This zip code:
$881
New York:
$3,125

(% of AGI for various income ranges: 1.4% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.5% for AGIs $100k-200k)

Ordinary dividends: $7,669 (reported on 32.5% of returns)

Here:
$7,669
State:
$10,299

(% of AGI for various income ranges: 3.2% for AGIs below $25k, 2.6% for AGIs $25k-50k, 4.7% for AGIs $50k-75k, 4.3% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$6,133 (reported on 22.5% of returns)

Here:
+$6,133
State:
+$42,474

(% of AGI for various income ranges: 0.3% for AGIs $50k-75k, 3.5% for AGIs $100k-200k)

Profit/loss from business: +$8,571 (reported on 17.5% of returns)

Here:
+$8,571
State:
+$16,168

Taxable individual retirement arrangement distribution: $10,620 (reported on 12.5% of returns)

12824:
$10,620
New York:
$17,621

Total itemized deductions: $29,464 (21% of AGI, reported on 35.0% of returns)

Here:
$29,464
State:
$34,985

Here:
21.4% of AGI
State:
21.3% of AGI

(% of AGI for various income ranges: 21.7% for AGIs $25k-50k, 13.6% for AGIs $50k-75k, 13.6% for AGIs $75k-100k, 16.1% for AGIs $100k-200k)

Charity contributions: $2,875 (reported on 30.0% of returns)

Here:
$2,875
State:
$5,572

(% of AGI for various income ranges: 1.4% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 1.4% for AGIs $100k-200k)

Taxes paid: $15,121 (reported on 35.0% of returns)

12824:
$15,121
State:
$18,656

(% of AGI for various income ranges: 7.6% for AGIs $25k-50k, 5.9% for AGIs $50k-75k, 5.9% for AGIs $75k-100k, 9.3% for AGIs $100k-200k)

Earned income credit: $1,960 (reported on 12.5% of returns)

Here:
$1,960
State:
$2,230

(% of AGI for various income ranges: 5.1% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2012 taxes: 62.5%

Here:
62%
State:
66%

(% for various income ranges: 56.2% for AGIs below $25k, 57.1% for AGIs $25k-50k, 66.7% for AGIs $50k-75k, 75.0% for AGIs $75k-100k, 71.4% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 12824, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $73,541 (Individual Income Tax Returns)

Here:
$73,541
State:
$59,519

Salary/wage: $47,421 (reported on 79.3% of returns)

Here:
$47,421
State:
$50,673

(% of AGI for various income ranges: 72.7% for AGIs $10k-25k, 61.6% for AGIs $25k-50k, 65.4% for AGIs $50k-75k, 57.7% for AGIs $75k-100k, 41.3% for AGIs over 100k)

Taxable interest for individuals: $4,048 (reported on 59.1% of returns)

This zip code:
$4,048
New York:
$2,377

(% of AGI for various income ranges: 3.9% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 4.1% for AGIs over 100k)

Taxable dividends: $4,571 (reported on 38.4% of returns)

Here:
$4,571
State:
$5,394

(% of AGI for various income ranges: 2.6% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.7% for AGIs over 100k)

Net capital gain/loss: +$64,383 (reported on 31.3% of returns)

Here:
+$64,383
State:
+$23,581

(% of AGI for various income ranges: -1.2% for AGIs $10k-25k, -0.3% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 4.6% for AGIs $75k-100k, 42.5% for AGIs over 100k)

Profit/loss from business: +$13,418 (reported on 18.6% of returns)

Here:
+$13,418
State:
+$13,809

(% of AGI for various income ranges: 6.3% for AGIs $25k-50k, 4.0% for AGIs $50k-75k, 3.8% for AGIs over 100k)

Total itemized deductions: $25,828 (17% of AGI, reported on 36.9% of returns)

Here:
$25,828
State:
$25,864

Here:
16.7% of AGI
State:
21.9% of AGI

(% of AGI for various income ranges: 11.9% for AGIs $25k-50k, 12.0% for AGIs $50k-75k, 14.5% for AGIs $75k-100k, 13.3% for AGIs over 100k)

Charity contributions deductions: $3,873 (2% of AGI, reported on 31.5% of returns)

Here:
$3,873
State:
$4,439

Here:
2.4% of AGI
State:
3.6% of AGI

(% of AGI for various income ranges: 0.8% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.9% for AGIs over 100k)

Total tax: $13,139 (reported on 79.3% of returns)

12824:
$13,139
State:
$11,730

(% of AGI for various income ranges: 4.1% for AGIs $10k-25k, 7.3% for AGIs $25k-50k, 9.9% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 17.3% for AGIs over 100k)

Earned income credit: $1,638 (reported on 11.1% of returns)

Here:
$1,638
State:
$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 61.4%

Here:
61%
State:
67%

(% for various income ranges: 56.1% for AGIs below $10k, 52.7% for AGIs $10k-25k, 55.3% for AGIs $25k-50k, 64.3% for AGIs $50k-75k, 80.0% for AGIs $75k-100k, 76.9% for AGIs over 100k)

Estimated median household income in 2022:

This zip code:	$101,593
New York:	$79,557

Nearest zip codes: 12885, 12845, 12844, 12814, 12817, 12815.

Percentage of family households:

This zip code:	20.7%
New York:	41.3%

Percentage of households with unmarried partners:

This zip code:	3.6%
New York:	42.3%

No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 17
Household did not receive Food Stamps/SNAP in the past 12 months: 468

Women who had a birth in the past 12 months: 22 (22 now married, 0 unmarried)
Women who did not have a birth in the past 12 months: 92 (39 now married, 53 unmarried)

Housing units in zip code 12824 with a mortgage: 225 (54 second mortgage, 54 both second mortgage and home equity loan)
Houses without a mortgage: 26

Median monthly owner costs for units with a mortgage: $2,218
Median monthly owner costs for units without a mortgage: $791

Residents with income below the poverty level in 2022:

This zip code:	2.4%
Whole state:	14.3%

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

This zip code:	0.4%
Whole state:	6.8%

Median number of rooms in houses and condos:

Here:	6.7
State:	6.3

Median number of rooms in apartments:

Here:	4.8
State:	3.8

Notable locations in this zip code not listed on our city pages
Click to draw/clear zip code borders
Notable location: Adirondack Adventure Resort (A). Display/hide its location on the map

Cemeteries: Beswick Cemetery (1), Herrick Cemetery (2), Warren County Home Cemetery (3), Lamb Hill Cemetery (4). Display/hide their locations on the map

Lakes: Trout Lake (A), Beaver Pond (B). Display/hide their locations on the map

Streams, rivers, and creeks: Smith Brook (A). Display/hide its location on the map

Year house built (houses)
02020 or later
1332010 to 2019
1482000 to 2009
821990 to 1999
2241980 to 1989
751970 to 1979
741960 to 1969
841950 to 1959
311940 to 1949
1941939 or earlier

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in 12824

Bedrooms in owner-occupied houses and condos in 12824
0no bedroom
191 bedroom
502 bedrooms
2293 bedrooms
1194 bedrooms
345+ bedrooms

Bedrooms in renter-occupied apartments in 12824

Bedrooms in renter-occupied apartments in 12824
0no bedroom
01 bedroom
322 bedrooms
53 bedrooms
04 bedrooms
05+ bedrooms

Owner-occupied Renter-occupied

Cars and other vehicles available in 12824 in owner-occupied houses/condos

Cars and other vehicles available in 12824 in owner-occupied houses/condos
22no vehicle
231 vehicle
3352 vehicles
343 vehicles
184 vehicles
175+ vehicles

Cars and other vehicles available in 12824 in renter-occupied apartments

Cars and other vehicles available in 12824 in renter-occupied apartments
0no vehicle
201 vehicle
182 vehicles
03 vehicles
04 vehicles
05+ vehicles

Zip code 12824 household income distribution in 2022
23$20,000 to $24,999
22$25,000 to $29,999
31$30,000 to $34,999
21$40,000 to $44,999
10$45,000 to $49,999
27$50,000 to $59,999
32$60,000 to $74,999
34$75,000 to $99,999
72$100,000 to $124,999
36$125,000 to $149,999
82$150,000 to $199,999
89$200,000 or more

Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12824
6$30,000 to $34,999
13$70,000 to $79,999
5$100,000 to $124,999
6$125,000 to $149,999
10$150,000 to $174,999
14$175,000 to $199,999
74$200,000 to $249,999
51$250,000 to $299,999
96$300,000 to $399,999
10$400,000 to $499,999
48$500,000 to $749,999
13$750,000 to $999,999
45$1,000,000 to $1,499,999
11$1,500,000 to $1,999,999
48$2,000,000 or more

Rent paid by renters in 2022 in zip code 12824
6$500 to $549
20$750 to $799
13No cash rent

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

White Non-Hispanic householders: $371,232
Hispanic or Latino householders: $160,867

Estimated median house or condo value in 2022: $357,869

12824:	$357,869
New York:	$400,400

Lower value quartile - upper value quartile: $251,649 - $886,495

Mean price in 2022:

Detached houses: $836,132
Here:
$836,132
State:
$476,719

Owners and renters by unit type in zip code 12824

Housing units in structures:

One, detached: 998
Mobile homes: 17

Unemployment: 3.5%

Means of transportation to work in zip code 12824
73.2%392Drove a car alone
10.8%58Carpooled
2.8%15Walked
13.5%72Worked at home

Travel time to work (commute) in zip code 12824
18Less than 5 minutes
445 to 9 minutes
8410 to 14 minutes
4415 to 19 minutes
1520 to 24 minutes
3325 to 29 minutes
4030 to 34 minutes
2635 to 39 minutes
3140 to 44 minutes
2245 to 59 minutes
8560 to 89 minutes
1490 or more minutes

Percentage of zip code residents living and working in this county: 69.9%

Household type by relationship:

Households: 1,070

Male householders: 282 (62 living alone), Female householders: 210 (49 living alone)
234 spouses (234 opposite-sex spouses), 34 unmarried partners, (34 opposite-sex unmarried partners), 232 children (232 natural, 0 adopted, 0 stepchildren), 23 grandchildren, 8 brothers or sisters, 21 parents, 0 foster children, 0 other relatives, 32 non-relatives

Size of family households: 180 2-persons, 95 3-persons, 22 4-persons, 7 5-persons, 15 6-persons

Size of nonfamily households: 110 1-person, 45 2-persons, 15 3-persons

88 married couples with children.
41 single-parent households (5 men, 36 women).

96.5% of residents of 12824 zip code speak English at home.
2.5% of residents speak Spanish at home (44% very well, 56% not well).
2.1% of residents speak other Indo-European language at home (33% very well, 67% well).

Foreign born population: 63 (5.9%)
(100.0% of them are naturalized citizens)

This zip code:	5.9%
Whole state:	22.7%

Most common places of birth for foreign-born residents

40%Sweden
32%England
24%Dominica
18%North Macedonia (Macedonia)
8%Chile

Most common first ancestries reported in 12824

18%Italian
13%Irish
13%Polish
10%English
8%European
6%Scottish
6%German

Year of entry for the foreign-born population

Year of entry for the foreign-born population
02010 or later
02000 to 2009
41990 to 1999
54Before 1990

Facilities with environmental interests located in this zip code:

BECKLEY BOAT RENTALS (LAKESHORE DR #107 in DIAMOND POINT, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
CHELKA LODGE (LAKESHORE DR NEAR COOLIDGE in DIAMOND POINT, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))

Zip code 12824 marital status for females

Housing units lacking complete plumbing facilities: 6.8%
Housing units lacking complete kitchen facilities: 2.5%

47.5%Bottled, tank, or LP gas
30.2%Fuel oil, kerosene, etc.
10.2%Electricity
8.5%Wood
4.0%Utility gas

Population in 1990: 770.

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

This state: 819
Northeast: 73
Midwest: 25
South: 31
West: 58

66% of the 12824 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 61% lived in this county.
Out of people who lived in different counties, 50% lived in New York.

99% of the 12824 zip code residents lived in the same house 1 year ago.
Out of people who lived in different houses, 80% moved from this county.

Year householders moved into unit in 12824

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): 34

Here:	47.5%
New York:	15.0%

Students in private undergraduate colleges: 4

Here:	23.1%
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 ($)
150,910Health diagnosing and treating practitioners and other technical occupations
115,180Management occupations
64,068Education, training, and library occupations
57,844Installation, maintenance, and repair occupations
50,806Health technologists and technicians
35,262Office and administrative support occupations

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

Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (5-9 employees: 1 establishment, 1-4 employees: 11 establishments)
Arts, Entertainment, and Recreation: Fitness and Recreational Sports Centers (5-9: 1)
Accommodation and Food Services: Full-Service Restaurants (1-4: 3)
Accommodation and Food Services: All Other Traveler Accommodation (1-4: 3)
Accommodation and Food Services: Recreational and Vacation Camps (except Campgrounds) (1-4: 2)
Real Estate and Rental and Leasing: Lessors of Nonresidential Buildings (except Miniwarehouses) (1-4: 1)
Other Services (except Public Administration): General Automotive Repair (1-4: 1)
Construction: Electrical Contractors (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

	B) Conventional Home Purchase Loans		C) Refinancings		D) Home Improvement Loans		F) Non-occupant Loans on < 5 Family Dwellings (A B C & D)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	10	$432,034	26	$228,762	4	$95,488	18	$381,550
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	5	$335,878	1	$58,630	3	$384,040
APPLICATIONS DENIED	1	$345,090	15	$297,320	4	$60,308	9	$298,651
APPLICATIONS WITHDRAWN	2	$606,215	8	$382,835	1	$126,480	4	$450,315
FILES CLOSED FOR INCOMPLETENESS	0	$0	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: 0780.00

	A) Conventional Home Purchase Loans		B) Refinancings		C) Non-occupant Loans on < 5 Family Dwellings (A & B)
Private Mortgage Insurance Companies Aggregated Statistics For Year 2008 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	0	$0	1	$182,180	0	$0
APPLICATIONS APPROVED, NOT ACCEPTED	1	$400,370	0	$0	1	$400,370
APPLICATIONS DENIED	0	$0	0	$0	0	$0
APPLICATIONS WITHDRAWN	0	$0	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	0	$0

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

Detailed PMIC statistics for the following Tracts: 0780.00

Conventional Home Purchase Loans in zip code 12824

Conventional Home Purchase Loans in zip code 12824 - Value

Name	Count	Lived (average)
Most common first names in zip code 12824 among deceased individuals
Helen	12	85.4 years
William	9	72.0 years
James	6	62.5 years
Walter	5	77.2 years
Robert	4	73.0 years
Elsie	3	87.0 years
Charles	3	59.7 years
Harriet	3	81.0 years
John	3	78.0 years
Margaret	3	89.0 years

Last name	Count	Lived (average)
Most common last names in zip code 12824 among deceased individuals
Duell	5	71.9 years
Murray	5	76.6 years
Cooper	4	85.7 years
Werne	3	89.3 years
Millward	3	73.7 years
Passaro	3	86.3 years
Pratt	3	77.3 years
Cameron	2	89.0 years
Baker	2	70.5 years
Lloyd	2	81.0 years

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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

AL	AZ	CA	CO	CT	DE	FL
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

	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 2008 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	9	$320,149	18	$203,979	5	$62,066	10	$331,564
APPLICATIONS APPROVED, NOT ACCEPTED	4	$285,202	4	$274,105	0	$0	3	$282,410
APPLICATIONS DENIED	3	$395,767	13	$268,934	6	$38,808	5	$390,908
APPLICATIONS WITHDRAWN	2	$394,720	6	$152,443	0	$0	2	$317,240
FILES CLOSED FOR INCOMPLETENESS	1	$177,570	2	$340,485	0	$0	1	$175,480

	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 2007 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	16	$411,942	28	$286,938	3	$83,760	20	$440,348
APPLICATIONS APPROVED, NOT ACCEPTED	3	$226,710	8	$389,850	1	$22,200	5	$518,390
APPLICATIONS DENIED	4	$423,512	20	$315,796	2	$210,655	8	$382,050
APPLICATIONS WITHDRAWN	3	$332,947	6	$211,493	1	$46,070	3	$307,957
FILES CLOSED FOR INCOMPLETENESS	1	$263,430	2	$324,990	1	$43,970	1	$213,590

	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 2006 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$138,200	24	$356,434	26	$279,001	7	$99,973	25	$319,678
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$207,725	6	$422,290	2	$121,245	2	$487,275
APPLICATIONS DENIED	0	$0	4	$285,518	13	$191,263	5	$47,994	5	$289,308
APPLICATIONS WITHDRAWN	0	$0	2	$318,080	7	$236,263	0	$0	2	$336,295
FILES CLOSED FOR INCOMPLETENESS	0	$0	1	$209,400	2	$321,430	0	$0	1	$230,340

	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 2005 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	15	$417,683	26	$240,472	7	$94,170	18	$414,123
APPLICATIONS APPROVED, NOT ACCEPTED	2	$181,970	5	$199,182	1	$138,200	1	$213,590
APPLICATIONS DENIED	3	$392,277	13	$222,769	6	$88,367	5	$367,790
APPLICATIONS WITHDRAWN	2	$157,680	14	$195,490	2	$132,970	2	$210,445
FILES CLOSED FOR INCOMPLETENESS	0	$0	5	$172,714	0	$0	0	$0

	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 2004 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	21	$299,920	35	$215,155	5	$83,342	22	$305,381
APPLICATIONS APPROVED, NOT ACCEPTED	3	$173,663	7	$207,964	2	$104,700	3	$395,907
APPLICATIONS DENIED	2	$281,645	12	$222,278	3	$41,740	5	$361,760
APPLICATIONS WITHDRAWN	4	$145,322	10	$151,438	2	$125,220	3	$231,037
FILES CLOSED FOR INCOMPLETENESS	0	$0	4	$206,888	0	$0	1	$373,570

	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$98,420	28	$284,889	60	$183,378	2	$109,305	34	$281,446
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$116,425	7	$266,836	0	$0	3	$228,663
APPLICATIONS DENIED	0	$0	3	$221,963	17	$196,245	3	$37,830	5	$313,262
APPLICATIONS WITHDRAWN	0	$0	2	$139,460	9	$177,478	0	$0	3	$216,940
FILES CLOSED FOR INCOMPLETENESS	0	$0	1	$62,400	3	$161,377	0	$0	1	$249,190

	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	23	$208,945	41	$208,808	3	$73,850	25	$273,359
APPLICATIONS APPROVED, NOT ACCEPTED	2	$140,090	8	$204,008	1	$92,140	1	$211,490
APPLICATIONS DENIED	3	$120,057	13	$154,892	2	$14,240	2	$149,300
APPLICATIONS WITHDRAWN	2	$89,835	8	$106,428	1	$24,710	2	$109,935
FILES CLOSED FOR INCOMPLETENESS	0	$0	4	$119,358	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$86,275	18	$213,565	25	$169,312	2	$35,180	16	$223,378
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$196,277	3	$297,627	0	$0	1	$598,470
APPLICATIONS DENIED	0	$0	4	$219,450	15	$196,250	1	$15,910	7	$284,604
APPLICATIONS WITHDRAWN	0	$0	1	$259,240	8	$172,494	0	$0	2	$350,325
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	3	$184,410	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$112,240	18	$241,182	10	$141,094	2	$42,925	11	$249,985
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$106,795	3	$133,597	1	$10,470	1	$130,250
APPLICATIONS DENIED	0	$0	3	$148,953	9	$123,034	1	$46,910	3	$118,240
APPLICATIONS WITHDRAWN	0	$0	1	$156,210	4	$116,530	1	$22,620	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	3	$81,107	0	$0	0	$0

	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 1 partial tract)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	7	$152,179	12	$170,650	0	$0	8	$221,865
APPLICATIONS APPROVED, NOT ACCEPTED	1	$217,470	1	$55,820	0	$0	0	$0
APPLICATIONS DENIED	0	$0	5	$106,066	1	$17,710	0	$0
APPLICATIONS WITHDRAWN	1	$455,760	2	$167,160	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	0	$0	0	$0