Beacon Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Beacon Federal 2005 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 | 1,074 |
| Total Mortgage Loan Application Amount | $90,723,000 |
| Average Mortgage Loan Application Amount | $230,629 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $171,518 |
| Highest Applicant Income | $1,839,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 491 | $ 32,923,000 | $ 67,000 | $ 81,000 |
| Smith County Texas | 83 | $ 5,363,000 | $ 64,000 | $ 64,000 |
| Warren County Tennessee | 69 | $ 4,990,000 | $ 72,000 | $ 52,000 |
| Madison County New York | 54 | $ 2,464,000 | $ 45,000 | $ 57,000 |
| Oswego County New York | 54 | $ 2,173,000 | $ 40,000 | $ 63,000 |
| Cayuga County New York | 44 | $ 1,281,000 | $ 29,000 | $ 65,000 |
| Oneida County New York | 23 | $ 499,000 | $ 21,000 | $ 69,000 |
| Rutherford County Tennessee | 23 | $ 2,147,000 | $ 93,000 | $ 68,000 |
| Davidson County Tennessee | 15 | $ 5,240,000 | $ 349,000 | $ 166,000 |
| Williamson County Tennessee | 13 | $ 6,177,000 | $ 475,000 | $ 231,000 |
| Middlesex County Massachusetts | 12 | $ 3,818,000 | $ 318,000 | $ 59,000 |
| Cherokee County Texas | 7 | $ 268,000 | $ 38,000 | $ 66,000 |
| Clark County Arkansas | 6 | $ 47,000 | $ 7,000 | $ 35,000 |
| Jefferson County New York | 6 | $ 208,000 | $ 34,000 | $ 79,000 |
| Clinton County New York | 5 | $ 172,000 | $ 34,000 | $ 69,000 |
| Van Buren County Tennessee | 5 | $ 153,000 | $ 30,000 | $ 42,000 |
| Rusk County Texas | 5 | $ 226,000 | $ 45,000 | $ 71,000 |
| Van Zandt County Texas | 5 | $ 169,000 | $ 33,000 | $ 50,000 |
| Cortland County New York | 4 | $ 160,000 | $ 40,000 | $ 55,000 |
| Coffee County Tennessee | 4 | $ 99,000 | $ 24,000 | $ 41,000 |
| Maury County Tennessee | 4 | $ 510,000 | $ 127,000 | $ 36,000 |
| Gregg County Texas | 4 | $ 16,000 | $ 4,000 | $ 65,000 |
| Palm Beach County Florida | 3 | $ 1,754,000 | $ 584,000 | $ 544,000 |
| Norfolk County Massachusetts | 3 | $ 1,235,000 | $ 411,000 | $ 160,000 |
| Hillsborough County New Hampshire | 3 | $ 385,000 | $ 128,000 | $ 61,000 |
| Lewis County New York | 3 | $ 11,000 | $ 3,000 | $ 62,000 |
| Seneca County New York | 3 | $ 12,000 | $ 4,000 | $ 60,000 |
| Bedford County Tennessee | 3 | $ 84,000 | $ 28,000 | $ 61,000 |
| DeKalb County Tennessee | 3 | $ 69,000 | $ 23,000 | $ 36,000 |
| White County Tennessee | 3 | $ 131,000 | $ 43,000 | $ 39,000 |
| Wilson County Tennessee | 3 | $ 997,000 | $ 332,000 | $ 142,000 |
| Henderson County Texas | 3 | $ 302,000 | $ 100,000 | $ 49,000 |
| Morris County Texas | 3 | $ 348,000 | $ 116,000 | $ 92,000 |
| Wood County Texas | 3 | $ 115,000 | $ 38,000 | $ 77,000 |
| Clay County Florida | 2 | $ 40,000 | $ 20,000 | $ 42,000 |
| Barnstable County Massachusetts | 2 | $ 754,000 | $ 377,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 1,318,000 | $ 659,000 | $ 165,000 |
| Ontario County New York | 2 | $ 9,000 | $ 4,000 | $ 60,000 |
| St. Lawrence County New York | 2 | $ 320,000 | $ 160,000 | $ 176,000 |
| Marshall County Tennessee | 2 | $ 249,000 | $ 124,000 | $ 76,000 |
| Anderson County Texas | 2 | $ 79,000 | $ 39,000 | $ 66,000 |
| Houston County Texas | 2 | $ 19,000 | $ 9,000 | $ 146,000 |
| District of Columbia County District Of Columbia | 1 | $ 590,000 | $ 590,000 | $ 191,000 |
| Miami-Dade County Florida | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Okaloosa County Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 139,000 |
| Sarasota County Florida | 1 | $ 630,000 | $ 630,000 | $ 1,839,000 |
| Stephens County Georgia | 1 | $ 8,000 | $ 8,000 | $ 34,000 |
| Cook County Illinois | 1 | $ 820,000 | $ 820,000 | $ 171,000 |
| LaSalle County Illinois | 1 | $ 5,000 | $ 5,000 | $ 57,000 |
| Berkshire County Massachusetts | 1 | $ 8,000 | $ 8,000 | $ 65,000 |
| Essex County Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 712,000 |
| Plymouth County Massachusetts | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Marshall County Mississippi | 1 | $ 1,000 | $ 1,000 | $ 18,000 |
| Merrimack County New Hampshire | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 496,000 | $ 496,000 | $ 284,000 |
| Albany County New York | 1 | $ 40,000 | $ 40,000 | $ 125,000 |
| Broome County New York | 1 | $ 6,000 | $ 6,000 | $ 53,000 |
| Chenango County New York | 1 | $ 4,000 | $ 4,000 | $ 52,000 |
| Franklin County New York | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Herkimer County New York | 1 | $ 6,000 | $ 6,000 | $ 58,000 |
| Livingston County New York | 1 | $ 58,000 | $ 58,000 | $ 67,000 |
| Monroe County New York | 1 | $ 183,000 | $ 183,000 | $ 115,000 |
| Montgomery County New York | 1 | $ 2,000 | $ 2,000 | $ 65,000 |
| Otsego County New York | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Tompkins County New York | 1 | $ 97,000 | $ 97,000 | $ 93,000 |
| Wayne County New York | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Yates County New York | 1 | $ 3,000 | $ 3,000 | $ 26,000 |
| Beaufort County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Franklin County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 171,000 |
| Grundy County Tennessee | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Hamilton County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 53,000 |
| Robertson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cameron County Texas | 1 | $ 29,000 | $ 29,000 | $ 35,000 |
| Denton County Texas | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Harris County Texas | 1 | $ 103,000 | $ 103,000 | $ 22,000 |
| Panola County Texas | 1 | $ 3,000 | $ 3,000 | $ 77,000 |
| Upshur County Texas | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Lamoille County Vermont | 1 | $ 300,000 | $ 300,000 | $ 219,000 |
Mortgage Loan Application Detail Totals for Beacon Federal 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 Improvement | 606 | $6,725,000 | $8,300 | $193,000 | $46,200 | $476,000 |
| Home Purchase | 238 | $48,149,000 | $382,400 | $2,000,000 | $160,400 | $890,000 |
| Refinancing | 230 | $35,849,000 | $331,428 | $2,500,000 | $366,428 | $1,839,000 |
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 | 710 | $66,894,000 | $371,545 | $2,275,000 | $216,181 | $1,839,000 |
| Not Provided | 257 | $13,916,000 | $98,272 | $2,500,000 | $57,272 | $1,077,000 |
| Black or African American | 41 | $926,000 | $35,600 | $135,000 | $46,200 | $122,000 |
| Hispanic | 41 | $2,363,000 | $71,750 | $172,000 | $45,000 | $86,000 |
| Not applicable | 14 | $5,692,000 | $409,500 | $1,081,000 | $184,500 | $803,000 |
| Asian | 9 | $882,000 | $132,000 | $215,000 | $123,333 | $300,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $45,000 | $26,000 | $32,000 |
| 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) | 1,074 | $90,723,000 | $228,428 | $2,500,000 | $135,285 | $1,839,000 |
| 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 | 642 | $66,358,000 | $253,166 | $2,500,000 | $170,833 | $1,839,000 |
| Application Denied By Financial Institution | 302 | $12,418,000 | $87,857 | $1,050,000 | $55,428 | $612,000 |
| Application Withdrawn By Applicant | 37 | $2,672,000 | $122,750 | $450,000 | $62,500 | $476,000 |
| Preapproval Denied by Financial Institution | 30 | $3,280,000 | $109,000 | $275,000 | $62,000 | $100,000 |
| Application Approved But Not Accepted | 28 | $653,000 | $45,333 | $170,000 | $81,666 | $219,000 |
| File Closed For Incompleteness | 19 | $3,466,000 | $427,000 | $2,000,000 | $110,000 | $446,000 |
| Preapproval Approved but not Accepted | 16 | $1,876,000 | $117,000 | $200,000 | $44,000 | $243,000 |
| 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 | 180 | $8,895,000 | $64,400 | $1,050,000 | $47,800 | $156,000 |
| Credit History | 120 | $4,359,000 | $50,800 | $309,000 | $60,400 | $612,000 |
| Collateral | 13 | $1,059,000 | $82,250 | $220,000 | $96,750 | $250,000 |
| Credit Application Incomplete | 6 | $531,000 | $130,000 | $280,000 | $64,333 | $93,000 |
| Other | 6 | $243,000 | $55,333 | $123,000 | $64,000 | $115,000 |
| Employment History | 3 | $174,000 | $58,000 | $124,000 | $63,666 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $432,000 | $127,000 | $275,000 | $67,000 | $94,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $86,000 | $86,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Beacon Federal'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 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.