Astoria Federal Savings & Loan Mortgage Lending & HMDA Data, 2006
In 2006, Astoria Federal Savings & Loan of Lake Success, NY reported 3,599 mortgage applications totaling $1.9 billion, down 35% from 2005. The average application was for $537,219, and applicants reported an average income of $63,482. 37% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (1,055), Nassau-Suffolk, NY (708) and Washington-Arlington-Alexandria, DC-VA-MD-WV (257) (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 | 3,599 |
| Total Mortgage Loan Application Amount | $1,933,454,000 |
| Average Mortgage Loan Application Amount | $537,219 |
| Highest Mortgage Loan Application Amount | $9,500,000 |
| Average Applicant Income | $63,482 |
| Highest Applicant Income | $6,284,000 |
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records Astoria Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Astoria Federal Savings & Loan in 2006
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 | 2,168 | $1,173,733,000 | $541,000 | $9,500,000 | $44,000 | $5,500,000 |
| Home Purchase | 1,431 | $759,721,000 | $530,000 | $7,320,000 | $93,000 | $6,284,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,199 | $1,406,500,000 | $639,000 | $9,500,000 | $0 | $0 |
| White | 988 | $380,478,000 | $385,000 | $2,000,000 | $184,000 | $6,284,000 |
| Not Provided | 170 | $68,819,000 | $404,000 | $2,000,000 | $111,000 | $899,000 |
| Hispanic | 90 | $24,922,000 | $276,000 | $680,000 | $85,000 | $442,000 |
| Asian | 80 | $31,726,000 | $396,000 | $1,732,000 | $168,000 | $728,000 |
| Black or African American | 63 | $18,486,000 | $293,000 | $825,000 | $88,000 | $325,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,002,000 | $250,000 | $412,000 | $79,000 | $119,000 |
| American Indian or Alaskan Native | 1 | $521,000 | $521,000 | $521,000 | $125,000 | $125,000 |
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) | 3,599 | $1,933,454,000 | $537,000 | $9,500,000 | $63,000 | $6,284,000 |
| 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 Purchased By The Institution | 1,898 | $1,017,007,000 | $535,000 | $9,500,000 | $0 | $0 |
| Loan Originated | 1,322 | $686,470,000 | $519,000 | $6,500,000 | $129,000 | $6,284,000 |
| Application Approved But Not Accepted | 178 | $95,998,000 | $539,000 | $5,150,000 | $195,000 | $1,963,000 |
| Application Denied By Financial Institution | 142 | $83,289,000 | $586,000 | $7,320,000 | $124,000 | $941,000 |
| Application Withdrawn By Applicant | 49 | $47,118,000 | $961,000 | $6,750,000 | $87,000 | $773,000 |
| Preapproval Denied by Financial Institution | 9 | $3,272,000 | $363,000 | $1,033,000 | $75,000 | $256,000 |
| File Closed For Incompleteness | 1 | $300,000 | $300,000 | $300,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 49 | $24,917,000 | $508,000 | $1,500,000 | $135,000 | $496,000 |
| Collateral | 43 | $21,465,000 | $499,000 | $3,900,000 | $112,000 | $365,000 |
| Credit History | 25 | $21,756,000 | $870,000 | $7,320,000 | $42,000 | $300,000 |
| Other | 24 | $14,296,000 | $595,000 | $4,000,000 | $171,000 | $941,000 |
| Credit Application Incomplete | 8 | $3,377,000 | $422,000 | $1,150,000 | $169,000 | $575,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $750,000 | $375,000 | $600,000 | $164,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Astoria Federal Savings & Loan's 2006 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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