Beacon Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Beacon Federal 2004 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 | 1,251 |
| Total Mortgage Loan Application Amount | $80,333,000 |
| Average Mortgage Loan Application Amount | $120,642 |
| Highest Mortgage Loan Application Amount | $2,750,000 |
| Average Applicant Income | $84,071 |
| Highest Applicant Income | $1,115,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 474 | $ 25,637,000 | $ 54,000 | $ 77,000 |
| Smith County Texas | 191 | $ 14,381,000 | $ 75,000 | $ 62,000 |
| Warren County Tennessee | 131 | $ 6,643,000 | $ 50,000 | $ 38,000 |
| Oswego County New York | 54 | $ 1,782,000 | $ 33,000 | $ 59,000 |
| Madison County New York | 48 | $ 2,261,000 | $ 47,000 | $ 69,000 |
| Cayuga County New York | 36 | $ 974,000 | $ 27,000 | $ 70,000 |
| Middlesex County Massachusetts | 29 | $ 4,799,000 | $ 165,000 | $ 133,000 |
| Oneida County New York | 19 | $ 1,293,000 | $ 68,000 | $ 77,000 |
| Rutherford County Tennessee | 19 | $ 1,458,000 | $ 76,000 | $ 68,000 |
| Henderson County Texas | 19 | $ 1,281,000 | $ 67,000 | $ 57,000 |
| Coffee County Tennessee | 17 | $ 805,000 | $ 47,000 | $ 50,000 |
| Cherokee County Texas | 15 | $ 1,575,000 | $ 105,000 | $ 60,000 |
| Rusk County Texas | 12 | $ 276,000 | $ 23,000 | $ 54,000 |
| Cortland County New York | 11 | $ 385,000 | $ 35,000 | $ 51,000 |
| Grundy County Tennessee | 9 | $ 289,000 | $ 32,000 | $ 41,000 |
| Davidson County Tennessee | 8 | $ 1,883,000 | $ 235,000 | $ 122,000 |
| Hampden County Massachusetts | 7 | $ 35,000 | $ 5,000 | $ 54,000 |
| DeKalb County Tennessee | 7 | $ 274,000 | $ 39,000 | $ 58,000 |
| Wood County Texas | 7 | $ 365,000 | $ 52,000 | $ 42,000 |
| Herkimer County New York | 5 | $ 615,000 | $ 123,000 | $ 71,000 |
| Shelby County Tennessee | 5 | $ 22,000 | $ 4,000 | $ 35,000 |
| Gregg County Texas | 5 | $ 228,000 | $ 45,000 | $ 53,000 |
| Hartford County Connecticut | 4 | $ 25,000 | $ 6,000 | $ 100,000 |
| Hillsborough County New Hampshire | 4 | $ 983,000 | $ 245,000 | $ 80,000 |
| Van Buren County Tennessee | 4 | $ 315,000 | $ 78,000 | $ 54,000 |
| White County Tennessee | 4 | $ 281,000 | $ 70,000 | $ 54,000 |
| Clark County Arkansas | 3 | $ 3,000 | $ 1,000 | $ 19,000 |
| Marshall County Mississippi | 3 | $ 6,000 | $ 2,000 | $ 31,000 |
| Jefferson County New York | 3 | $ 89,000 | $ 29,000 | $ 80,000 |
| Wilson County Tennessee | 3 | $ 433,000 | $ 144,000 | $ 109,000 |
| Anderson County Texas | 3 | $ 342,000 | $ 114,000 | $ 105,000 |
| Upshur County Texas | 3 | $ 253,000 | $ 84,000 | $ 46,000 |
| Van Zandt County Texas | 3 | $ 60,000 | $ 20,000 | $ 59,000 |
| Sacramento County California | 2 | $ 9,000 | $ 4,000 | $ 81,000 |
| New Haven County Connecticut | 2 | $ 14,000 | $ 7,000 | $ 65,000 |
| Worcester County Massachusetts | 2 | $ 66,000 | $ 33,000 | $ 98,000 |
| Sullivan County New Hampshire | 2 | $ 48,000 | $ 24,000 | $ 61,000 |
| Albany County New York | 2 | $ 1,368,000 | $ 684,000 | $ 32,000 |
| Chemung County New York | 2 | $ 12,000 | $ 6,000 | $ 65,000 |
| Clinton County New York | 2 | $ 19,000 | $ 9,000 | $ 47,000 |
| Ontario County New York | 2 | $ 21,000 | $ 10,000 | $ 89,000 |
| Otsego County New York | 2 | $ 185,000 | $ 92,000 | $ 84,000 |
| Schenectady County New York | 2 | $ 10,000 | $ 5,000 | $ 60,000 |
| Wayne County New York | 2 | $ 335,000 | $ 167,000 | $ 74,000 |
| Cannon County Tennessee | 2 | $ 121,000 | $ 60,000 | $ 77,000 |
| Putnam County Tennessee | 2 | $ 81,000 | $ 40,000 | $ 51,000 |
| Washington County Utah | 2 | $ 250,000 | $ 125,000 | $ 76,000 |
| Dallas County Arkansas | 1 | $ 1,000 | $ 1,000 | $ 39,000 |
| Garland County Arkansas | 1 | $ 3,000 | $ 3,000 | $ 108,000 |
| Fairfield County Connecticut | 1 | $ 3,000 | $ 3,000 | $ 102,000 |
| Litchfield County Connecticut | 1 | $ 6,000 | $ 6,000 | $ 30,000 |
| New London County Connecticut | 1 | $ 8,000 | $ 8,000 | $ 37,000 |
| Windham County Connecticut | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| Palm Beach County Florida | 1 | $ 840,000 | $ 840,000 | $ 216,000 |
| Volusia County Florida | 1 | $ 2,000 | $ 2,000 | $ 58,000 |
| Clarke County Georgia | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Henry County Georgia | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Jefferson County Louisiana | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Hancock County Maine | 1 | $ 5,000 | $ 5,000 | $ 86,000 |
| Barnstable County Massachusetts | 1 | $ 2,750,000 | $ 2,750,000 | $ 1,115,000 |
| Essex County Massachusetts | 1 | $ 56,000 | $ 56,000 | $ 94,000 |
| Hampshire County Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 84,000 |
| Nantucket County Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 625,000 |
| Suffolk County Massachusetts | 1 | $ 114,000 | $ 114,000 | $ 112,000 |
| Benton County Mississippi | 1 | $ 1,000 | $ 1,000 | $ 30,000 |
| DeSoto County Mississippi | 1 | $ 12,000 | $ 12,000 | $ 30,000 |
| Salem County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Broome County New York | 1 | $ 6,000 | $ 6,000 | $ 42,000 |
| Chenango County New York | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| Dutchess County New York | 1 | $ 6,000 | $ 6,000 | $ 76,000 |
| Hamilton County New York | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Monroe County New York | 1 | $ 4,000 | $ 4,000 | $ 64,000 |
| Seneca County New York | 1 | $ 8,000 | $ 8,000 | $ 58,000 |
| St. Lawrence County New York | 1 | $ 4,000 | $ 4,000 | $ 32,000 |
| Suffolk County New York | 1 | $ 63,000 | $ 63,000 | $ 71,000 |
| Kent County Rhode Island | 1 | $ 9,000 | $ 9,000 | $ 50,000 |
| Washington County Rhode Island | 1 | $ 8,000 | $ 8,000 | $ 104,000 |
| Bedford County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Cumberland County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 32,000 |
| Dickson County Tennessee | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Fayette County Tennessee | 1 | $ 1,000 | $ 1,000 | $ 15,000 |
| Hardeman County Tennessee | 1 | $ 1,000 | $ 1,000 | $ 33,000 |
| Lawrence County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Marion County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Williamson County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 33,000 |
| Collin County Texas | 1 | $ 14,000 | $ 14,000 | $ 117,000 |
| Harrison County Texas | 1 | $ 3,000 | $ 3,000 | $ 70,000 |
| Houston County Texas | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Kaufman County Texas | 1 | $ 2,000 | $ 2,000 | $ 11,000 |
| Titus County Texas | 1 | $ 18,000 | $ 18,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Beacon Federal in 2004
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 Improvement | 591 | $10,528,000 | $16,733 | $215,000 | $62,066 | $446,000 |
| Refinancing | 546 | $52,067,000 | $219,000 | $2,750,000 | $113,571 | $1,115,000 |
| Home Purchase | 114 | $17,738,000 | $265,666 | $1,365,000 | $104,666 | $738,000 |
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 | 900 | $62,378,000 | $100,615 | $2,750,000 | $87,769 | $1,115,000 |
| Not Provided | 250 | $9,115,000 | $30,000 | $1,000,000 | $71,916 | $625,000 |
| Black or African American | 41 | $1,077,000 | $31,000 | $138,000 | $42,714 | $172,000 |
| Hispanic | 33 | $1,601,000 | $100,500 | $347,000 | $57,750 | $129,000 |
| Not applicable | 18 | $5,157,000 | $242,250 | $1,365,000 | $18,000 | $147,000 |
| Asian | 7 | $938,000 | $124,500 | $270,000 | $75,250 | $137,000 |
| American Indian or Alaskan Native | 2 | $67,000 | $33,500 | $65,000 | $30,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,251 | $80,333,000 | $78,176 | $2,750,000 | $74,176 | $1,115,000 |
| 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 | 823 | $59,863,000 | $88,357 | $2,750,000 | $91,285 | $1,115,000 |
| Application Denied By Financial Institution | 306 | $11,843,000 | $32,615 | $427,000 | $55,000 | $355,000 |
| Application Approved But Not Accepted | 39 | $1,975,000 | $48,800 | $315,000 | $73,600 | $261,000 |
| Application Withdrawn By Applicant | 37 | $2,143,000 | $61,500 | $503,000 | $54,166 | $246,000 |
| File Closed For Incompleteness | 31 | $2,352,000 | $71,000 | $225,000 | $65,000 | $398,000 |
| Preapproval Denied by Financial Institution | 13 | $1,990,000 | $153,000 | $347,000 | $60,000 | $193,000 |
| Preapproval Approved but not Accepted | 2 | $167,000 | $83,000 | $86,000 | $43,000 | $48,000 |
| 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 | 172 | $8,379,000 | $58,500 | $427,000 | $44,250 | $355,000 |
| Credit History | 112 | $3,581,000 | $34,333 | $300,000 | $60,583 | $193,000 |
| Collateral | 17 | $1,059,000 | $56,250 | $158,000 | $67,750 | $147,000 |
| Other | 8 | $418,000 | $58,333 | $107,000 | $82,333 | $135,000 |
| Employment History | 6 | $260,000 | $63,666 | $166,000 | $45,666 | $74,000 |
| Credit Application Incomplete | 3 | $100,000 | $33,333 | $52,000 | $50,000 | $75,000 |
| Unverifiable Information | 1 | $36,000 | $36,000 | $36,000 | $38,000 | $38,000 |
| 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 2004 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.