12838 Zip Code (NY) Detailed Profile

County: Washington County, NY

Estimated zip code population in 2022: 709
Zip code population in 2010: 608
Zip code population in 2000: 649

Houses and condos: 325
Renter-occupied apartments: 61

% of renters here:	20%
State:	46%

March 2022 cost of living index in zip code 12838: 93.1 (less than average, U.S. average is 100)

Land area: 5.1 sq. mi.
Water area: 0.0 sq. mi.

Population density: 140 people per square mile

(very low).

Age and Sex of Residents in zip code 12838

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Real estate property taxes paid for housing units in 2022:

This zip code:	2.1% ($3,693)
New York:	1.5% ($6,180)

Median real estate property taxes paid for housing units with mortgages in 2022: $4,473 (2.1%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $2,901 (1.8%)

Business Search - 14 Million verified businesses

Males: 365	(51.5%)
Females: 344	(48.5%)

For population 25 years and over in 12838:

High school or higher: 96.9%
Bachelor's degree or higher: 17.8%
Graduate or professional degree: 2.4%
Unemployed: 2.4%
Mean travel time to work (commute): 28.6 minutes

For population 15 years and over in 12838:

Never married: 20.6%
Now married: 65.1%
Separated: 0.5%
Widowed: 4.3%
Divorced: 9.5%

Zip code 12838 compared to state average:

Median house value significantly below state average.
Unemployed percentage below state average.
Black race population percentage significantly below state average.
Hispanic race population percentage significantly below state average.
Median age 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 college students significantly below state average.
Percentage of population with a bachelor's degree or higher below state average.

- 65692.7%White
- 273.8%Two or more races
- 253.5%Hispanic or Latino

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Recent posts about zip code 12838 area on our local forum with over 2,400,000 registered users:

Upper Middle class african-american communities in ny (2057 replies)

100% rural population.

Estimated median house/condo value in 2022: $172,211

12838:	$172,211
New York:	$400,400

According to our research of New York and other state lists, there was 1 registered sex offender living in 12838 zip code as of May 28, 2024.
The ratio of all residents to sex offenders in zip code 12838 is 530 to 1.

Median resident age:

This zip code:	47.5 years
New York median age:	40.0 years

Average household size:

This zip code:	2.3 people
New York:	2.5 people

Averages for the 2020 tax year for zip code 12838, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $47,380 (Individual Income Tax Returns)

Here:
$47,380
State:
$90,930

Salary/wage: $40,614 (reported on 80.0% of returns)

Here:
$40,614
State:
$72,104

(% of AGI for various income ranges: 1094.3% for AGIs below $25k, 3322.2% for AGIs $25k-50k, 6686.0% for AGIs $50k-75k, 4935.0% for AGIs $75k-100k)

Taxable interest for individuals: $233 (reported on 34.3% of returns)

This zip code:
$233
New York:
$3,075

(% of AGI for various income ranges: 8.6% for AGIs below $25k, 4.4% for AGIs $25k-50k, 10.0% for AGIs $50k-75k, 25.0% for AGIs $75k-100k)

Ordinary dividends: $1,240 (reported on 14.3% of returns)

Here:
$1,240
State:
$11,095

(% of AGI for various income ranges: 48.6% for AGIs below $25k, 56.0% for AGIs $50k-75k)

Net capital gain/loss in AGI: +$1,150 (reported on 11.4% of returns)

Here:
+$1,150
State:
+$44,925

(% of AGI for various income ranges: 92.0% for AGIs $50k-75k)

Profit/loss from business: +$4,100 (reported on 8.6% of returns)

Here:
+$4,100
State:
+$14,940

(% of AGI for various income ranges: 136.7% for AGIs $25k-50k)

Taxable individual retirement arrangement distribution: $9,050 (reported on 5.7% of returns)

12838:
$9,050
New York:
$19,609

(% of AGI for various income ranges: 258.6% for AGIs below $25k)

Earned income credit: $1,817 (reported on 17.1% of returns)

Here:
$1,817
State:
$2,138

(% of AGI for various income ranges: 81.4% for AGIs below $25k, 57.8% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 97.1%

Here:
97%
State:
95%

(% for various income ranges: 90.0% 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 12838, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $43,642 (Individual Income Tax Returns)

Here:
$43,642
State:
$77,088

Salary/wage: $38,564 (reported on 84.8% of returns)

Here:
$38,564
State:
$60,593

(% of AGI for various income ranges: 64.3% for AGIs below $25k, 79.8% for AGIs $25k-50k, 67.6% for AGIs $50k-75k, 87.3% for AGIs $75k-100k, 74.7% for AGIs $100k-200k)

Taxable interest for individuals: $309 (reported on 33.3% of returns)

This zip code:
$309
New York:
$3,125

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

Ordinary dividends: $1,150 (reported on 18.2% of returns)

Here:
$1,150
State:
$10,299

(% of AGI for various income ranges: 1.6% for AGIs $25k-50k, 0.9% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$33 (reported on 9.1% of returns)

Here:
+$33
State:
+$42,474

Profit/loss from business: +$5,380 (reported on 15.2% of returns)

Here:
+$5,380
State:
+$16,168

(% of AGI for various income ranges: 7.4% for AGIs below $25k, 4.4% for AGIs $50k-75k)

Taxable individual retirement arrangement distribution: $6,000 (reported on 9.1% of returns)

12838:
$6,000
New York:
$17,621

Total itemized deductions: $16,256 (21% of AGI, reported on 27.3% of returns)

Here:
$16,256
State:
$34,985

Here:
21.1% of AGI
State:
21.3% of AGI

(% of AGI for various income ranges: 18.3% for AGIs below $25k, 18.4% for AGIs $50k-75k, 13.6% for AGIs $100k-200k)

Charity contributions: $2,700 (reported on 15.2% of returns)

Here:
$2,700
State:
$5,572

(% of AGI for various income ranges: 1.9% for AGIs $50k-75k, 1.8% for AGIs $100k-200k)

Taxes paid: $8,378 (reported on 27.3% of returns)

12838:
$8,378
State:
$18,656

(% of AGI for various income ranges: 7.8% for AGIs below $25k, 8.7% for AGIs $50k-75k, 8.4% for AGIs $100k-200k)

Earned income credit: $1,860 (reported on 15.2% of returns)

Here:
$1,860
State:
$2,230

(% of AGI for various income ranges: 3.5% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 45.5%

Here:
45%
State:
66%

(% for various income ranges: 38.5% for AGIs below $25k, 44.4% for AGIs $25k-50k, 60.0% for AGIs $50k-75k, 100.0% for AGIs $75k-100k)

Averages for the 2004 tax year for zip code 12838, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $35,183 (Individual Income Tax Returns)

Here:
$35,183
State:
$59,519

Salary/wage: $32,285 (reported on 87.5% of returns)

Here:
$32,285
State:
$50,673

(% of AGI for various income ranges: 137.0% for AGIs below $10k, 73.6% for AGIs $10k-25k, 81.5% for AGIs $25k-50k, 73.9% for AGIs $50k-75k, 85.1% for AGIs $75k-100k, 81.2% for AGIs over 100k)

Taxable interest for individuals: $683 (reported on 44.6% of returns)

This zip code:
$683
New York:
$2,377

(% of AGI for various income ranges: 3.1% for AGIs below $10k, 1.1% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.2% for AGIs over 100k)

Taxable dividends: $895 (reported on 23.8% of returns)

Here:
$895
State:
$5,394

(% of AGI for various income ranges: 5.9% for AGIs below $10k, 0.9% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.2% for AGIs $75k-100k)

Profit/loss from business: +$2,436 (reported on 15.2% of returns)

Here:
+$2,436
State:
+$13,809

(% of AGI for various income ranges: -0.4% for AGIs below $10k, 6.9% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.6% for AGIs $50k-75k)

Total itemized deductions: $15,111 (25% of AGI, reported on 24.9% of returns)

Here:
$15,111
State:
$25,864

Here:
24.9% of AGI
State:
21.9% of AGI

(% of AGI for various income ranges: 14.0% for AGIs $10k-25k, 9.5% for AGIs $25k-50k, 11.2% for AGIs $50k-75k, 10.9% for AGIs $75k-100k, 10.7% for AGIs over 100k)

Charity contributions deductions: $1,838 (3% of AGI, reported on 22.2% of returns)

Here:
$1,838
State:
$4,439

Here:
3.1% of AGI
State:
3.6% of AGI

(% of AGI for various income ranges: 10.2% for AGIs below $10k, 1.0% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.8% for AGIs $75k-100k)

Total tax: $4,258 (reported on 74.0% of returns)

12838:
$4,258
State:
$11,730

(% of AGI for various income ranges: 5.5% for AGIs below $10k, 4.9% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.7% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 15.5% for AGIs over 100k)

Earned income credit: $1,667 (reported on 15.0% of returns)

Here:
$1,667
State:
$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 56.0%

Here:
56%
State:
67%

(% for various income ranges: 42.7% for AGIs below $10k, 52.9% for AGIs $10k-25k, 61.5% for AGIs $25k-50k, 64.8% for AGIs $50k-75k, 57.7% for AGIs $75k-100k, 75.0% for AGIs over 100k)

Estimated median household income in 2022:

This zip code:	$64,212
New York:	$79,557

Nearest zip codes: 12832, 12809, 12821, 12865, 12823, 12839.

Percentage of family households:

This zip code:	41.0%
New York:	41.3%

Percentage of households with unmarried partners:

This zip code:	7.5%
New York:	42.3%

No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 19
Household did not receive Food Stamps/SNAP in the past 12 months: 284

Women who had a birth in the past 12 months: 20 (0 now married, 21 unmarried)
Women who did not have a birth in the past 12 months: 107 (78 now married, 26 unmarried)

Housing units in zip code 12838 with a mortgage: 147 (8 second mortgage, 8 both second mortgage and home equity loan)
Houses without a mortgage: 21

Median monthly owner costs for units with a mortgage: $1,390
Median monthly owner costs for units without a mortgage: $535

Residents with income below the poverty level in 2022:

This zip code:	9.6%
Whole state:	14.3%

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

This zip code:	8.8%
Whole state:	6.8%

Median number of rooms in houses and condos:

Here:	6.1
State:	6.3

Median number of rooms in apartments:

Here:	3.0
State:	3.8

Notable locations in this zip code not listed on our city pages
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Church in zip code 12838: Hartford Baptist Church (A). Display/hide its location on the map

Year house built (houses)
02020 or later
592010 to 2019
372000 to 2009
301990 to 1999
571980 to 1989
231970 to 1979
01960 to 1969
01950 to 1959
111940 to 1949
1171939 or earlier

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in 12838

Bedrooms in owner-occupied houses and condos in 12838
0no bedroom
81 bedroom
852 bedrooms
813 bedrooms
604 bedrooms
115+ bedrooms

Bedrooms in renter-occupied apartments in 12838

Bedrooms in renter-occupied apartments in 12838
0no bedroom
361 bedroom
202 bedrooms
53 bedrooms
04 bedrooms
05+ bedrooms

Owner-occupied Renter-occupied

Cars and other vehicles available in 12838 in owner-occupied houses/condos

Cars and other vehicles available in 12838 in owner-occupied houses/condos
8no vehicle
521 vehicle
1242 vehicles
533 vehicles
64 vehicles
05+ vehicles

Cars and other vehicles available in 12838 in renter-occupied apartments

Cars and other vehicles available in 12838 in renter-occupied apartments
27no vehicle
111 vehicle
202 vehicles
03 vehicles
44 vehicles
05+ vehicles

Zip code 12838 household income distribution in 2022
6Less than $10,000
3$15,000 to $19,999
3$25,000 to $29,999
6$30,000 to $34,999
25$35,000 to $39,999
8$40,000 to $44,999
57$50,000 to $59,999
85$60,000 to $74,999
36$75,000 to $99,999
31$100,000 to $124,999
9$125,000 to $149,999
28$150,000 to $199,999
6$200,000 or more

Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12838
6$20,000 to $24,999
3$40,000 to $49,999
14$50,000 to $59,999
3$80,000 to $89,999
14$90,000 to $99,999
34$100,000 to $124,999
6$125,000 to $149,999
43$150,000 to $174,999
8$175,000 to $199,999
30$200,000 to $249,999
31$250,000 to $299,999
5$300,000 to $399,999
32$750,000 to $999,999

Rent paid by renters in 2022 in zip code 12838
6$500 to $549
2$550 to $599
27$800 to $899
25$2,500 to $2,999

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

White Non-Hispanic householders: $162,462

Estimated median house or condo value in 2022: $172,211

12838:	$172,211
New York:	$400,400

Lower value quartile - upper value quartile: $114,327 - $262,646

Mean price in 2022:

Detached houses: $177,264
Here:
$177,264
State:
$476,719

Owners and renters by unit type in zip code 12838

Housing units in structures:

One, detached: 242
Two: 8
3 or 4: 19
5 to 9: 20
20 to 49: 26
Mobile homes: 6

Unemployment: 2.4%

Means of transportation to work in zip code 12838
72.1%220Drove a car alone
2.9%9Carpooled
28.2%86Worked at home

Travel time to work (commute) in zip code 12838
4Less than 5 minutes
275 to 9 minutes
1910 to 14 minutes
2715 to 19 minutes
2420 to 24 minutes
2625 to 29 minutes
3030 to 34 minutes
1240 to 44 minutes
2045 to 59 minutes
3660 to 89 minutes

Percentage of zip code residents living and working in this county: 62.3%

Household type by relationship:

Households: 709

Male householders: 158 (57 living alone), Female householders: 150 (22 living alone)
167 spouses (167 opposite-sex spouses), 31 unmarried partners, (26 opposite-sex unmarried partners), 160 children (136 natural, 0 adopted, 23 stepchildren), 9 grandchildren, 0 brothers or sisters, 10 parents, 0 foster children, 11 other relatives, 18 non-relatives

Size of family households: 117 2-persons, 49 3-persons, 33 5-persons

Size of nonfamily households: 79 1-person, 28 2-persons

78 married couples with children.
41 single-parent households (22 men, 19 women).

98.8% of residents of 12838 zip code speak English at home.
1.2% of residents speak other Indo-European language at home (100% very well).

Foreign born population: 24 (3.5%)
(0.0% of them are naturalized citizens)

:	3.5%
Whole state:	22.7%

Most common first ancestries reported in 12838

27%Irish
23%American
15%German
11%English
8%Italian
4%Scottish
3%French

Year of entry for the foreign-born population

Year of entry for the foreign-born population
292010 or later
02000 to 2009
01990 to 1999
0Before 1990

Facilities with environmental interests located in this zip code:

HARTFORD CENTRAL SCHOOL (4704 ST RTE 149 in HARTFORD, NY)
STATE MASTER (New York facility tracking) - AIR PROGRAM,
COMPLIANCE ACTIVITY (Tracking inspections of insecticide, fungicide, and rodenticide, and toxic substances)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: HARTFORD CTL SCH DIST (LEGALLY RESPONSIBLE PARTY)
Alternative names: HARTFORD CENTRAL SCHOOL DISTRICT
HARTFORD QUARRY (RT 149 in HARTFORD, NY)
AIR SYNTHETIC MINOR (AIRS/AFS)
STATE MASTER (New York facility tracking) - SECTION 404 PERMITTING, AIR PROGRAM, 401 CERTIFICATION, MINE OPERATING PERMIT
Business SIC classification: CRUSHED AND BROKEN LIMESTONE; CRUSHED AND BROKEN STONE
Organizations: JOINTA GALUSHA LLC (LEGALLY RESPONSIBLE PARTY)
HARTFORD CENTRAL SCHOOL ( in HARTFORD, NY)
(National Center for Education Statistics) - STATE ID-641001040001
Organizations: HARTFORD CSD (SCHOOL DISTRICT)

Zip code 12838 marital status for females

47.1%Fuel oil, kerosene, etc.
20.4%Bottled, tank, or LP gas
20.0%Wood
13.0%Electricity

Population in 1990: 679.

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

This state: 576
Northeast: 77
Midwest: 5
South: 21

60% of the 12838 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 83% lived in this county.
Out of people who lived in different counties, 50% lived in New York.

93% of the 12838 zip code residents lived in the same house 1 year ago.
Out of people who lived in different houses, 95% moved from this county.

Year householders moved into unit in 12838

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):

Here:	0.0%
New York:	15.0%

Students in private undergraduate colleges: 9

Here:	100.0%
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 ($)
106,519Education, training, and library occupations
80,888Health diagnosing and treating practitioners and other technical occupations
68,705Installation, maintenance, and repair occupations
50,699Transportation occupations
44,688Sales and related occupations
28,805Management occupations

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

Construction: New Single-Family Housing Construction (except Operative Builders) (5-9 employees: 1 establishment, 1-4 employees: 1 establishment)
Other Services (except Public Administration): Religious Organizations (1-4: 2)
Construction: Site Preparation Contractors (1-4: 2)
Construction: Other Building Equipment Contractors (1-4: 1)
Accommodation and Food Services: Limited-Service Restaurants (1-4: 1)
Wholesale Trade: Livestock Merchant Wholesalers (1-4: 1)
Arts, Entertainment, and Recreation: Golf Courses and Country Clubs (1-4: 1)
Real Estate and Rental and Leasing: Residential Property Managers (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		G) Loans On Manufactured Home Dwelling (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	Number	Average Value
LOANS ORIGINATED	2	$125,735	1	$72,950	9	$126,061	2	$28,470	1	$56,330
APPLICATIONS APPROVED, NOT ACCEPTED	1	$28,010	1	$55,710	2	$107,730	1	$7,700	1	$55,710
APPLICATIONS DENIED	1	$96,030	2	$62,790	7	$130,287	1	$21,240	2	$79,105
APPLICATIONS WITHDRAWN	1	$46,170	1	$79,410	2	$155,900	1	$39,710	1	$73,560
FILES CLOSED FOR INCOMPLETENESS	0	$0	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: 0850.00

	B) Refinancings
Private Mortgage Insurance Companies Aggregated Statistics For Year 2008 (Based on 2 partial tracts)
	Number	Average Value
LOANS ORIGINATED	1	$72,950
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0
APPLICATIONS DENIED	0	$0
APPLICATIONS WITHDRAWN	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0

Choose year: 2008 2007 2006 2005 2004 2003 2002 2001

Detailed PMIC statistics for the following Tracts: 0850.00

Conventional Home Purchase Loans in zip code 12838

Conventional Home Purchase Loans in zip code 12838 - Value

Name	Count	Lived (average)
Most common first names in zip code 12838 among deceased individuals
John	8	76.0 years
Elizabeth	6	83.3 years
Herbert	3	78.6 years
Charles	3	71.4 years
Louise	3	86.3 years
Robert	3	58.7 years
Sarah	3	79.7 years
Edward	2	75.1 years
Dorothea	2	56.0 years
Dorothy	2	84.9 years

Last name	Count	Lived (average)
Most common last names in zip code 12838 among deceased individuals
Drake	4	83.2 years
Hanna	4	79.0 years
Brayton	3	87.9 years
Mccauley	3	76.6 years
Spring	3	85.0 years
Thompson	3	76.3 years
Townsend	3	85.0 years
Atkinson	2	85.5 years
Duel	2	87.5 years
Durkee	2	75.0 years

AB	BC	MB	NB	NL	NS	NT
NU	ON	PE	QC	SK	YT

	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	3	$128,967	3	$104,550	10	$107,545	3	$43,297	1	$41,860	1	$100,650
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$104,340	0	$0	0	$0	0	$0	1	$38,780
APPLICATIONS DENIED	0	$0	1	$103,110	10	$114,963	6	$48,017	0	$0	2	$84,490
APPLICATIONS WITHDRAWN	0	$0	1	$71,100	6	$146,410	2	$126,660	0	$0	2	$114,350
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$159,900	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$75,105	7	$112,479	9	$108,619	5	$31,150	1	$47,400	2	$120,040
APPLICATIONS APPROVED, NOT ACCEPTED	1	$89,570	2	$117,120	2	$162,055	2	$46,940	0	$0	1	$66,180
APPLICATIONS DENIED	0	$0	1	$111,730	10	$117,857	6	$47,093	1	$51,090	2	$48,630
APPLICATIONS WITHDRAWN	0	$0	1	$110,500	8	$122,235	1	$15,080	0	$0	1	$101,880
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	1	$161,900	1	$48,630	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$148,360	6	$115,015	11	$105,127	6	$42,578	0	$0	1	$79,410
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	2	$90,495	2	$98,805	1	$77,260	0	$0	1	$100,340
APPLICATIONS DENIED	0	$0	3	$107,523	14	$93,615	4	$17,545	0	$0	2	$81,875
APPLICATIONS WITHDRAWN	0	$0	0	$0	7	$94,803	1	$58,480	1	$92,960	1	$78,490
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$123,430	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$75,100	12	$116,374	13	$95,205	5	$19,638	0	$0	2	$90,645
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$67,720	2	$117,425	0	$0	0	$0	0	$0
APPLICATIONS DENIED	0	$0	3	$102,600	13	$96,697	5	$71,348	1	$97,570	5	$71,286
APPLICATIONS WITHDRAWN	0	$0	1	$112,650	8	$121,465	1	$21,550	0	$0	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$127,275	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 2004 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$87,110	5	$127,860	11	$102,777	3	$18,263	1	$70,180	2	$80,490
APPLICATIONS APPROVED, NOT ACCEPTED	1	$73,560	1	$29,860	5	$69,440	1	$64,020	0	$0	1	$73,560
APPLICATIONS DENIED	0	$0	3	$76,130	12	$78,977	4	$29,088	0	$0	3	$34,370
APPLICATIONS WITHDRAWN	0	$0	1	$58,480	10	$104,683	0	$0	1	$67,720	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	2	$69,255	1	$81,870	1	$31,400	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 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$68,020	6	$100,035	20	$81,290	3	$9,747	1	$96,030
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$71,720	5	$63,654	0	$0	0	$0
APPLICATIONS DENIED	0	$0	2	$47,555	16	$74,045	4	$20,315	1	$35,700
APPLICATIONS WITHDRAWN	0	$0	1	$34,470	9	$72,401	1	$29,240	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	2	$49,865	0	$0	0	$0

	B) Conventional Home Purchase Loans		C) Refinancings		D) Home Improvement Loans
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	5	$83,106	11	$84,225	4	$21,008
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	3	$51,300	0	$0
APPLICATIONS DENIED	2	$29,855	8	$74,872	2	$9,695
APPLICATIONS WITHDRAWN	0	$0	6	$60,585	1	$18,470
FILES CLOSED FOR INCOMPLETENESS	0	$0	2	$50,635	0	$0

	A) FHA, FSA/RHS & VA Home Purchase Loans		B) Conventional Home Purchase Loans		C) Refinancings		D) Home Improvement Loans
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	2	$84,030	3	$78,283	12	$76,334	3	$22,470
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$54,790	3	$61,353	0	$0
APPLICATIONS DENIED	0	$0	2	$56,480	8	$79,605	2	$6,000
APPLICATIONS WITHDRAWN	0	$0	0	$0	5	$75,350	1	$8,000
FILES CLOSED FOR INCOMPLETENESS	0	$0	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
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	3	$70,590	4	$89,415	4	$64,330	1	$14,160
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	1	$51,710	1	$96,960	0	$0
APPLICATIONS DENIED	0	$0	1	$41,550	4	$56,865	1	$12,310
APPLICATIONS WITHDRAWN	0	$0	1	$45,550	2	$46,170	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	1	$66,790	0	$0

	A) FHA, FSA/RHS & VA Home Purchase Loans		B) Conventional Home Purchase Loans		C) Refinancings		D) Home Improvement Loans
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	1	$80,080	1	$58,370	4	$65,372	1	$6,010
APPLICATIONS APPROVED, NOT ACCEPTED	0	$0	0	$0	1	$76,690	0	$0
APPLICATIONS DENIED	0	$0	2	$72,070	3	$48,510	0	$0
APPLICATIONS WITHDRAWN	0	$0	0	$0	2	$65,140	0	$0
FILES CLOSED FOR INCOMPLETENESS	0	$0	0	$0	0	$0	0	$0