Astoria Federal Savings & Loan Mortgage Lending & HMDA Data, 2010
In 2010, Astoria Federal Savings & Loan of Lake Success, NY reported 2,251 mortgage applications totaling $1.1 billion, down 36% from 2009. The average application was for $507,213, and applicants reported an average income of $237,840. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (1,266), Nassau-Suffolk, NY (761) and Chicago-Joliet-Naperville, IL (38) (applications in parentheses).
| Mortgage Company & Address | Astoria Federal Savings & Loan One Astoria Federal Plaza Lake Success, NY 11042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,251 |
| Total Mortgage Loan Application Amount | $1,141,738,000 |
| Average Mortgage Loan Application Amount | $507,213 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $237,840 |
| Highest Applicant Income | $4,304,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Astoria Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York, New York | 572 | $ 500,823,000 | $ 875,564 | $ 493,000 |
| Suffolk, New York | 384 | $ 90,213,000 | $ 234,929 | $ 117,000 |
| Nassau, New York | 377 | $ 130,907,000 | $ 347,233 | $ 178,000 |
| Queens, New York | 307 | $ 76,507,000 | $ 249,208 | $ 106,000 |
| Kings, New York | 167 | $ 85,752,000 | $ 513,485 | $ 233,000 |
| Westchester, New York | 158 | $ 94,127,000 | $ 595,740 | $ 362,000 |
| Cook, Illinois | 32 | $ 27,334,000 | $ 854,187 | $ 0 |
| Richmond, New York | 26 | $ 9,134,000 | $ 351,307 | $ 164,000 |
| Fairfield, Connecticut | 18 | $ 13,102,000 | $ 727,888 | $ 0 |
| Bronx, New York | 15 | $ 4,407,000 | $ 293,800 | $ 124,000 |
| Dallas, Texas | 12 | $ 10,161,000 | $ 846,750 | $ 0 |
| Rockland, New York | 10 | $ 3,997,000 | $ 399,700 | $ 148,000 |
| Lake, Illinois | 9 | $ 7,151,000 | $ 794,555 | $ 0 |
| Middlesex, Massachusetts | 9 | $ 7,642,000 | $ 849,111 | $ 0 |
| Putnam, New York | 7 | $ 1,533,000 | $ 219,000 | $ 95,000 |
| King, Washington | 7 | $ 6,858,000 | $ 979,714 | $ 0 |
| District of Columbia, District Of Columbia | 6 | $ 3,578,000 | $ 596,333 | $ 0 |
| DuPage, Illinois | 6 | $ 3,212,000 | $ 535,333 | $ 0 |
| Montgomery, Maryland | 6 | $ 4,237,000 | $ 706,166 | $ 0 |
| Norfolk, Massachusetts | 6 | $ 6,022,000 | $ 1,003,666 | $ 0 |
| St. Louis, Missouri | 5 | $ 4,489,000 | $ 897,800 | $ 0 |
| Monmouth, New Jersey | 5 | $ 1,994,000 | $ 398,800 | $ 0 |
| Morris, New Jersey | 5 | $ 2,963,000 | $ 592,600 | $ 0 |
| Dutchess, New York | 5 | $ 1,592,000 | $ 318,400 | $ 110,000 |
| Bergen, New Jersey | 4 | $ 2,085,000 | $ 521,250 | $ 0 |
| Somerset, New Jersey | 4 | $ 908,000 | $ 227,000 | $ 0 |
| Mecklenburg, North Carolina | 4 | $ 2,588,000 | $ 647,000 | $ 0 |
| Essex, New Jersey | 3 | $ 1,036,000 | $ 345,333 | $ 0 |
| Ocean, New Jersey | 3 | $ 1,238,000 | $ 412,666 | $ 0 |
| Orange, New York | 3 | $ 513,000 | $ 171,000 | $ 102,000 |
| Baltimore, Maryland | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Howard, Maryland | 2 | $ 1,723,000 | $ 861,500 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Essex, Massachusetts | 2 | $ 1,096,000 | $ 548,000 | $ 0 |
| Suffolk, Massachusetts | 2 | $ 2,035,000 | $ 1,017,500 | $ 0 |
| Mercer, New Jersey | 2 | $ 1,277,000 | $ 638,500 | $ 0 |
| Albany, New York | 2 | $ 1,070,000 | $ 535,000 | $ 265,000 |
| Ulster, New York | 2 | $ 500,000 | $ 250,000 | $ 91,000 |
| Pike, Pennsylvania | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Denton, Texas | 2 | $ 1,663,000 | $ 831,500 | $ 0 |
| Fairfax, Virginia | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Loudoun, Virginia | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 1,404,000 | $ 702,000 | $ 0 |
| Boulder, Colorado | 1 | $ 784,000 | $ 784,000 | $ 0 |
| Garfield, Colorado | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Windham, Connecticut | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Jackson, Missouri | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Grafton, New Hampshire | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 670,000 | $ 670,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Union, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Chenango, New York | 1 | $ 88,000 | $ 88,000 | $ 193,000 |
| Delaware, New York | 1 | $ 117,000 | $ 117,000 | $ 103,000 |
| Greene, New York | 1 | $ 285,000 | $ 285,000 | $ 384,000 |
| Schenectady, New York | 1 | $ 130,000 | $ 130,000 | $ 102,000 |
| Brunswick, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 1,340,000 | $ 1,340,000 | $ 0 |
| Wake, North Carolina | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Carbon, Pennsylvania | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Collin, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Harris, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Tarrant, Texas | 1 | $ 1,022,000 | $ 1,022,000 | $ 0 |
| Travis, Texas | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Arlington, Virginia | 1 | $ 985,000 | $ 985,000 | $ 0 |
| James City, Virginia | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Kitsap, Washington | 1 | $ 995,000 | $ 995,000 | $ 0 |
Mortgage Loan Application Detail Totals for Astoria Federal Savings & Loan in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,494 | $784,490,000 | $525,000 | $1,500,000 | $256,000 | $4,304,000 |
| Home Purchase | 757 | $357,248,000 | $471,000 | $2,500,000 | $202,000 | $2,122,000 |
| 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 | 1,461 | $750,475,000 | $513,000 | $2,500,000 | $290,000 | $4,304,000 |
| Not Provided | 313 | $151,033,000 | $482,000 | $1,500,000 | $226,000 | $1,500,000 |
| Not applicable | 203 | $138,704,000 | $683,000 | $1,500,000 | $0 | $0 |
| Asian | 133 | $58,238,000 | $437,000 | $1,625,000 | $181,000 | $1,298,000 |
| Hispanic | 85 | $27,017,000 | $317,000 | $1,398,000 | $126,000 | $609,000 |
| Black or African American | 52 | $14,930,000 | $287,000 | $1,260,000 | $100,000 | $374,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,341,000 | $335,000 | $676,000 | $121,000 | $181,000 |
| American Indian or Alaskan Native | 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) | 2,251 | $1,141,738,000 | $507,000 | $2,500,000 | $238,000 | $4,304,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,606 | $780,357,000 | $485,000 | $1,625,000 | $267,000 | $4,236,000 |
| Application Denied By Financial Institution | 250 | $129,385,000 | $517,000 | $1,500,000 | $235,000 | $4,304,000 |
| Loan Purchased By The Institution | 203 | $138,704,000 | $683,000 | $1,500,000 | $0 | $0 |
| Application Approved But Not Accepted | 154 | $78,645,000 | $510,000 | $2,500,000 | $268,000 | $2,176,000 |
| Application Withdrawn By Applicant | 15 | $5,035,000 | $335,000 | $790,000 | $157,000 | $641,000 |
| Preapproval Denied by Financial Institution | 13 | $4,675,000 | $359,000 | $730,000 | $129,000 | $341,000 |
| File Closed For Incompleteness | 10 | $4,937,000 | $493,000 | $1,365,000 | $249,000 | $878,000 |
| Preapproval Approved but not Accepted | 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 | 100 | $45,223,000 | $452,000 | $1,460,000 | $199,000 | $980,000 |
| Debt-To-Income Ratio | 74 | $43,207,000 | $583,000 | $1,500,000 | $185,000 | $904,000 |
| Other | 41 | $22,127,000 | $539,000 | $1,500,000 | $401,000 | $4,304,000 |
| Credit Application Incomplete | 19 | $8,883,000 | $467,000 | $1,398,000 | $277,000 | $1,191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $5,704,000 | $518,000 | $1,317,000 | $220,000 | $829,000 |
| Unverifiable Information | 10 | $5,519,000 | $551,000 | $1,448,000 | $161,000 | $354,000 |
| Credit History | 6 | $2,620,000 | $436,000 | $910,000 | $146,000 | $351,000 |
| Employment History | 2 | $777,000 | $388,000 | $417,000 | $142,000 | $178,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Astoria Federal Savings & Loan's 2010 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 Astoria Federal Savings & Loan'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.
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