Beacon Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Beacon Federal 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Beacon Federal 6311 Court Street Road East Syracuse, NY 13057 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 | 2,364 |
| Total Mortgage Loan Application Amount | $143,297,000 |
| Average Mortgage Loan Application Amount | $54,346 |
| Highest Mortgage Loan Application Amount | $962,000 |
| Average Applicant Income | $68,730 |
| Highest Applicant Income | $999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Beacon Federal. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Beacon Federal's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Beacon Federal's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Beacon Federal serves its applicants.
Each category highlights the total number of mortgage applications processed by Beacon Federal, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Beacon Federal's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Onondaga County New York | 1,130 | $ 68,188,000 | $ 60,000 | $ 59,000 |
| Smith County Texas | 264 | $ 20,903,000 | $ 79,000 | $ 63,000 |
| Warren County Tennessee | 262 | $ 15,371,000 | $ 58,000 | $ 45,000 |
| Oswego County New York | 140 | $ 7,531,000 | $ 53,000 | $ 65,000 |
| Madison County New York | 127 | $ 6,688,000 | $ 52,000 | $ 103,000 |
| Cayuga County New York | 89 | $ 4,716,000 | $ 52,000 | $ 70,000 |
| Rutherford County Tennessee | 60 | $ 4,100,000 | $ 68,000 | $ 71,000 |
| Oneida County New York | 39 | $ 2,562,000 | $ 65,000 | $ 60,000 |
| Coffee County Tennessee | 30 | $ 1,812,000 | $ 60,000 | $ 45,000 |
| Shelby County Tennessee | 15 | $ 61,000 | $ 4,000 | $ 48,000 |
| Cortland County New York | 13 | $ 787,000 | $ 60,000 | $ 71,000 |
| DeKalb County Tennessee | 13 | $ 488,000 | $ 37,000 | $ 42,000 |
| Henderson County Texas | 13 | $ 713,000 | $ 54,000 | $ 46,000 |
| Middlesex County Massachusetts | 12 | $ 1,627,000 | $ 135,000 | $ 103,000 |
| Cannon County Tennessee | 10 | $ 434,000 | $ 43,000 | $ 46,000 |
| Rusk County Texas | 9 | $ 284,000 | $ 31,000 | $ 37,000 |
| Cherokee County Texas | 8 | $ 524,000 | $ 65,000 | $ 49,000 |
| Van Zandt County Texas | 8 | $ 284,000 | $ 35,000 | $ 56,000 |
| Jefferson County New York | 7 | $ 419,000 | $ 59,000 | $ 78,000 |
| Grundy County Tennessee | 6 | $ 349,000 | $ 58,000 | $ 41,000 |
| Van Buren County Tennessee | 6 | $ 153,000 | $ 25,000 | $ 34,000 |
| Marshall County Mississippi | 5 | $ 29,000 | $ 5,000 | $ 38,000 |
| Chenango County New York | 5 | $ 291,000 | $ 58,000 | $ 59,000 |
| Wood County Texas | 5 | $ 228,000 | $ 45,000 | $ 62,000 |
| White County Tennessee | 4 | $ 292,000 | $ 73,000 | $ 28,000 |
| Williamson County Tennessee | 4 | $ 173,000 | $ 43,000 | $ 106,000 |
| Gregg County Texas | 4 | $ 108,000 | $ 27,000 | $ 121,000 |
| Upshur County Texas | 4 | $ 188,000 | $ 47,000 | $ 44,000 |
| Herkimer County New York | 3 | $ 117,000 | $ 39,000 | $ 40,000 |
| Seneca County New York | 3 | $ 122,000 | $ 40,000 | $ 59,000 |
| Wayne County New York | 3 | $ 211,000 | $ 70,000 | $ 58,000 |
| Overton County Tennessee | 3 | $ 261,000 | $ 87,000 | $ 74,000 |
| Suffolk County Massachusetts | 2 | $ 160,000 | $ 80,000 | $ 31,000 |
| Monroe County New York | 2 | $ 146,000 | $ 73,000 | $ 53,000 |
| Saratoga County New York | 2 | $ 133,000 | $ 66,000 | $ 70,000 |
| Tompkins County New York | 2 | $ 87,000 | $ 43,000 | $ 56,000 |
| Fayette County Tennessee | 2 | $ 9,000 | $ 4,000 | $ 31,000 |
| Franklin County Tennessee | 2 | $ 142,000 | $ 71,000 | $ 50,000 |
| Anderson County Texas | 2 | $ 106,000 | $ 53,000 | $ 67,000 |
| Dallas County Texas | 2 | $ 4,000 | $ 2,000 | $ 93,000 |
| Jackson County Alabama | 1 | $ 2,000 | $ 2,000 | $ 67,000 |
| Maricopa County Arizona | 1 | $ 10,000 | $ 10,000 | $ 105,000 |
| Clark County Arkansas | 1 | $ 8,000 | $ 8,000 | $ 73,000 |
| Dallas County Arkansas | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Hot Spring County Arkansas | 1 | $ 2,000 | $ 2,000 | $ 20,000 |
| Orange County California | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| Fairfield County Connecticut | 1 | $ 2,000 | $ 2,000 | $ 106,000 |
| Clay County Florida | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Pinellas County Florida | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Clarke County Georgia | 1 | $ 3,000 | $ 3,000 | $ 31,000 |
| Paulding County Georgia | 1 | $ 3,000 | $ 3,000 | $ 68,000 |
| Rapides County Louisiana | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Barnstable County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Berkshire County Massachusetts | 1 | $ 107,000 | $ 107,000 | $ 66,000 |
| Essex County Massachusetts | 1 | $ 347,000 | $ 347,000 | $ 70,000 |
| Hampden County Massachusetts | 1 | $ 93,000 | $ 93,000 | $ 100,000 |
| Hampshire County Massachusetts | 1 | $ 138,000 | $ 138,000 | $ 94,000 |
| Norfolk County Massachusetts | 1 | $ 92,000 | $ 92,000 | $ 63,000 |
| Benton County Mississippi | 1 | $ 2,000 | $ 2,000 | $ 34,000 |
| Belknap County New Hampshire | 1 | $ 43,000 | $ 43,000 | $ 44,000 |
| Hillsborough County New Hampshire | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Broome County New York | 1 | $ 2,000 | $ 2,000 | $ 87,000 |
| Erie County New York | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| Hamilton County New York | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Otsego County New York | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Rensselaer County New York | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| St. Lawrence County New York | 1 | $ 34,000 | $ 34,000 | $ 71,000 |
| Suffolk County New York | 1 | $ 260,000 | $ 260,000 | $ 96,000 |
| Yates County New York | 1 | $ 7,000 | $ 7,000 | $ 57,000 |
| Mecklenburg County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 40,000 |
| New Hanover County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 80,000 |
| Cumberland County Pennsylvania | 1 | $ 320,000 | $ 320,000 | $ 300,000 |
| Providence County Rhode Island | 1 | $ 8,000 | $ 8,000 | $ 35,000 |
| Davidson County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 119,000 |
| Hardeman County Tennessee | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Marshall County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 44,000 |
| Putnam County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Sumner County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Harrison County Texas | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Houston County Texas | 1 | $ 82,000 | $ 82,000 | $ 98,000 |
| Kaufman County Texas | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Tarrant County Texas | 1 | $ 2,000 | $ 2,000 | $ 60,000 |
| Titus County Texas | 1 | $ 5,000 | $ 5,000 | $ 37,000 |
| Wichita County Texas | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Beacon Federal in 2003
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 (home purchase or home improvement, one-to-four family) | 1,867 | $134,119,000 | $120,000 | $962,000 | $103,333 | $999,000 |
| Home Improvement (one-to-four family) | 437 | $4,002,000 | $6,933 | $170,000 | $57,600 | $200,000 |
| Home Purchase (one-to-four family) | 60 | $5,176,000 | $117,800 | $347,000 | $60,600 | $184,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,833 | $121,364,000 | $73,900 | $962,000 | $88,200 | $999,000 |
| Information not provided by applicant in mail or telephone application | 371 | $13,869,000 | $18,250 | $260,000 | $57,833 | $300,000 |
| Black | 77 | $3,124,000 | $20,666 | $180,000 | $40,166 | $173,000 |
| Hispanic | 29 | $1,440,000 | $37,000 | $122,000 | $60,000 | $128,000 |
| Asian or Pacific Islander | 23 | $1,722,000 | $83,666 | $184,000 | $84,000 | $185,000 |
| American Indian or Alaskan Native | 17 | $750,000 | $45,333 | $114,000 | $50,666 | $116,000 |
| Other | 14 | $1,028,000 | $73,500 | $126,000 | $62,500 | $149,000 |
| Not applicable | 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) | 2,364 | $143,297,000 | $44,000 | $962,000 | $73,000 | $999,000 |
| 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 | 1,577 | $101,888,000 | $66,545 | $962,000 | $82,363 | $999,000 |
| Application Denied By Financial Institution | 572 | $28,448,000 | $27,454 | $866,000 | $51,545 | $400,000 |
| Application Withdrawn By Applicant | 79 | $4,949,000 | $62,333 | $276,000 | $84,666 | $999,000 |
| File Closed For Incompleteness | 73 | $4,129,000 | $68,000 | $150,000 | $69,500 | $136,000 |
| Application Approved But Not Accepted | 63 | $3,883,000 | $68,400 | $405,000 | $75,000 | $293,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 265 | $12,384,000 | $27,375 | $200,000 | $43,875 | $400,000 |
| Credit History | 171 | $7,268,000 | $43,875 | $347,000 | $60,125 | $155,000 |
| Collateral | 84 | $5,404,000 | $71,000 | $230,000 | $67,333 | $300,000 |
| Other | 35 | $2,171,000 | $38,250 | $866,000 | $39,250 | $197,000 |
| Employment History | 12 | $673,000 | $63,750 | $102,000 | $37,750 | $62,000 |
| Unverifiable Information | 5 | $548,000 | $92,500 | $260,000 | $54,000 | $143,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Beacon Federal's 2003 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 Beacon Federal'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.