Associates Housing Finance Mortgage Lending & HMDA Data, 2005
In 2005, Associates Housing Finance of New York, NY reported 250 mortgage applications totaling $8.4 million, down 85% from 2004. The average application was for $33,480, and applicants reported an average income of $35,248. 19% of its applications resulted in an originated loan and 79% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (25), Tyler, TX (15) and Dallas-Plano-Irving, TX (12) (applications in parentheses).
| Mortgage Company & Address | Associates Housing Finance 850 Third Avenue, 12th Floor New York, NY 10022 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 250 |
| Total Mortgage Loan Application Amount | $8,370,000 |
| Average Mortgage Loan Application Amount | $33,480 |
| Highest Mortgage Loan Application Amount | $97,000 |
| Average Applicant Income | $35,248 |
| Highest Applicant Income | $158,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Associates Housing Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Smith, Texas | 15 | $ 570,000 | $ 38,000 | $ 31,000 |
| Tangipahoa, Louisiana | 14 | $ 294,000 | $ 21,000 | $ 31,000 |
| Talladega, Alabama | 12 | $ 416,000 | $ 34,666 | $ 23,000 |
| Montgomery, Texas | 12 | $ 405,000 | $ 33,750 | $ 38,000 |
| Wood, Texas | 9 | $ 314,000 | $ 34,888 | $ 42,000 |
| Harris, Texas | 8 | $ 296,000 | $ 37,000 | $ 49,000 |
| Dallas, Texas | 7 | $ 221,000 | $ 31,571 | $ 35,000 |
| Terrebonne, Louisiana | 6 | $ 164,000 | $ 27,333 | $ 23,000 |
| Cherokee, Texas | 6 | $ 188,000 | $ 31,333 | $ 36,000 |
| Dona Ana, New Mexico | 5 | $ 183,000 | $ 36,600 | $ 39,000 |
| Henderson, Texas | 5 | $ 200,000 | $ 40,000 | $ 62,000 |
| Parker, Texas | 5 | $ 176,000 | $ 35,200 | $ 28,000 |
| Rusk, Texas | 5 | $ 164,000 | $ 32,800 | $ 41,000 |
| Van Zandt, Texas | 5 | $ 184,000 | $ 36,800 | $ 28,000 |
| Clay, Alabama | 4 | $ 132,000 | $ 33,000 | $ 22,000 |
| Lexington, South Carolina | 4 | $ 87,000 | $ 21,750 | $ 21,000 |
| Tarrant, Texas | 4 | $ 141,000 | $ 35,250 | $ 61,000 |
| Multnomah, Oregon | 3 | $ 71,000 | $ 23,666 | $ 40,000 |
| Barnwell, South Carolina | 3 | $ 132,000 | $ 44,000 | $ 38,000 |
| Anderson, Texas | 3 | $ 78,000 | $ 26,000 | $ 52,000 |
| Ector, Texas | 3 | $ 133,000 | $ 44,333 | $ 40,000 |
| Liberty, Texas | 3 | $ 111,000 | $ 37,000 | $ 31,000 |
| Upshur, Texas | 3 | $ 109,000 | $ 36,333 | $ 34,000 |
| Lauderdale, Alabama | 2 | $ 65,000 | $ 32,500 | $ 19,000 |
| Tuscaloosa, Alabama | 2 | $ 55,000 | $ 27,500 | $ 26,000 |
| San Bernardino, California | 2 | $ 47,000 | $ 23,500 | $ 127,000 |
| Assumption, Louisiana | 2 | $ 43,000 | $ 21,500 | $ 18,000 |
| Lawrence, Missouri | 2 | $ 56,000 | $ 28,000 | $ 21,000 |
| Newton, Missouri | 2 | $ 45,000 | $ 22,500 | $ 28,000 |
| Bowie, Texas | 2 | $ 89,000 | $ 44,500 | $ 49,000 |
| Denton, Texas | 2 | $ 57,000 | $ 28,500 | $ 64,000 |
| Gregg, Texas | 2 | $ 54,000 | $ 27,000 | $ 33,000 |
| Kaufman, Texas | 2 | $ 56,000 | $ 28,000 | $ 23,000 |
| Lamar, Texas | 2 | $ 92,000 | $ 46,000 | $ 26,000 |
| Midland, Texas | 2 | $ 64,000 | $ 32,000 | $ 38,000 |
| Polk, Texas | 2 | $ 64,000 | $ 32,000 | $ 22,000 |
| Robertson, Texas | 2 | $ 90,000 | $ 45,000 | $ 36,000 |
| San Jacinto, Texas | 2 | $ 83,000 | $ 41,500 | $ 37,000 |
| Shelby, Texas | 2 | $ 65,000 | $ 32,500 | $ 27,000 |
| Calhoun, Alabama | 1 | $ 36,000 | $ 36,000 | $ 41,000 |
| Washington, Alabama | 1 | $ 27,000 | $ 27,000 | $ 57,000 |
| Cochise, Arizona | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| San Diego, California | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Santa Clara, California | 1 | $ 70,000 | $ 70,000 | $ 67,000 |
| Yuba, California | 1 | $ 32,000 | $ 32,000 | $ 46,000 |
| Baker, Florida | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| Clay, Florida | 1 | $ 33,000 | $ 33,000 | $ 77,000 |
| Duval, Florida | 1 | $ 37,000 | $ 37,000 | $ 29,000 |
| Escambia, Florida | 1 | $ 31,000 | $ 31,000 | $ 19,000 |
| Marion, Florida | 1 | $ 46,000 | $ 46,000 | $ 30,000 |
| Sumter, Florida | 1 | $ 46,000 | $ 46,000 | $ 24,000 |
| Bibb, Georgia | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Hancock, Georgia | 1 | $ 81,000 | $ 81,000 | $ 27,000 |
| Hamilton, Indiana | 1 | $ 7,000 | $ 7,000 | $ 23,000 |
| Butler, Kansas | 1 | $ 48,000 | $ 48,000 | $ 82,000 |
| Cherokee, Kansas | 1 | $ 24,000 | $ 24,000 | $ 39,000 |
| Rice, Kansas | 1 | $ 39,000 | $ 39,000 | $ 20,000 |
| Riley, Kansas | 1 | $ 27,000 | $ 27,000 | $ 23,000 |
| Sedgwick, Kansas | 1 | $ 28,000 | $ 28,000 | $ 13,000 |
| Madison, Kentucky | 1 | $ 44,000 | $ 44,000 | $ 61,000 |
| Lafourche, Louisiana | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Plaquemines, Louisiana | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| St. Charles, Louisiana | 1 | $ 22,000 | $ 22,000 | $ 24,000 |
| Vernon, Louisiana | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Kalkaska, Michigan | 1 | $ 52,000 | $ 52,000 | $ 17,000 |
| Pike, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Jasper, Missouri | 1 | $ 19,000 | $ 19,000 | $ 20,000 |
| St. Francois, Missouri | 1 | $ 11,000 | $ 11,000 | $ 76,000 |
| Taney, Missouri | 1 | $ 7,000 | $ 7,000 | $ 14,000 |
| Wayne, Missouri | 1 | $ 12,000 | $ 12,000 | $ 17,000 |
| Luna, New Mexico | 1 | $ 28,000 | $ 28,000 | $ 48,000 |
| Otero, New Mexico | 1 | $ 19,000 | $ 19,000 | $ 51,000 |
| Chautauqua, New York | 1 | $ 49,000 | $ 49,000 | $ 53,000 |
| Jefferson, New York | 1 | $ 37,000 | $ 37,000 | $ 24,000 |
| Harnett, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 37,000 |
| McDowell, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 42,000 |
| Delaware, Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Benton, Oregon | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Clackamas, Oregon | 1 | $ 21,000 | $ 21,000 | $ 41,000 |
| Linn, Oregon | 1 | $ 17,000 | $ 17,000 | $ 29,000 |
| Marion, Oregon | 1 | $ 16,000 | $ 16,000 | $ 50,000 |
| Polk, Oregon | 1 | $ 17,000 | $ 17,000 | $ 32,000 |
| Aiken, South Carolina | 1 | $ 44,000 | $ 44,000 | $ 28,000 |
| Allendale, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 22,000 |
| Calhoun, South Carolina | 1 | $ 22,000 | $ 22,000 | $ 18,000 |
| Edgefield, South Carolina | 1 | $ 67,000 | $ 67,000 | $ 32,000 |
| Horry, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Newberry, South Carolina | 1 | $ 22,000 | $ 22,000 | $ 22,000 |
| Orangeburg, South Carolina | 1 | $ 21,000 | $ 21,000 | $ 36,000 |
| Richland, South Carolina | 1 | $ 22,000 | $ 22,000 | $ 19,000 |
| Lawrence, Tennessee | 1 | $ 37,000 | $ 37,000 | $ 20,000 |
| Bosque, Texas | 1 | $ 49,000 | $ 49,000 | $ 49,000 |
| Brazos, Texas | 1 | $ 38,000 | $ 38,000 | $ 32,000 |
| Culberson, Texas | 1 | $ 26,000 | $ 26,000 | $ 28,000 |
| Grayson, Texas | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Hamilton, Texas | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Harrison, Texas | 1 | $ 41,000 | $ 41,000 | $ 19,000 |
| Hopkins, Texas | 1 | $ 27,000 | $ 27,000 | $ 22,000 |
| Houston, Texas | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
| Hunt, Texas | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| Johnson, Texas | 1 | $ 38,000 | $ 38,000 | $ 21,000 |
| Morris, Texas | 1 | $ 40,000 | $ 40,000 | $ 69,000 |
| Nacogdoches, Texas | 1 | $ 24,000 | $ 24,000 | $ 34,000 |
| Palo Pinto, Texas | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Pecos, Texas | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Rains, Texas | 1 | $ 41,000 | $ 41,000 | $ 29,000 |
| Somervell, Texas | 1 | $ 22,000 | $ 22,000 | $ 17,000 |
| Titus, Texas | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Trinity, Texas | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Williamson, Texas | 1 | $ 49,000 | $ 49,000 | $ 40,000 |
| King, Washington | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Kitsap, Washington | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Pierce, Washington | 1 | $ 26,000 | $ 26,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Associates Housing Finance in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 250 | $8,370,000 | $37,333 | $97,000 | $38,428 | $158,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 166 | $5,568,000 | $33,421 | $97,000 | $38,315 | $105,000 |
| Black or African American | 52 | $1,710,000 | $37,000 | $81,000 | $26,714 | $60,000 |
| Hispanic | 30 | $1,043,000 | $38,000 | $81,000 | $41,285 | $84,000 |
| American Indian or Alaskan Native | 2 | $49,000 | $24,500 | $32,000 | $95,000 | $158,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 250 | $8,370,000 | $37,333 | $97,000 | $38,428 | $158,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 197 | $6,460,000 | $36,600 | $81,000 | $35,750 | $85,000 |
| Loan Originated | 48 | $1,727,000 | $36,250 | $97,000 | $39,500 | $158,000 |
| Application Approved But Not Accepted | 3 | $108,000 | $33,500 | $55,000 | $55,000 | $62,000 |
| File Closed For Incompleteness | 2 | $75,000 | $37,000 | $49,000 | $51,000 | $62,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Associates Housing Finance's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Associates Housing Finance's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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