Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Bethpage Federal Credit Union 2013 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 | Bethpage Federal Credit Union 899 South Oyster Bay Road Bethpage, NY 11714 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,120 |
| Total Mortgage Loan Application Amount | $1,654,886,000 |
| Average Mortgage Loan Application Amount | $252,000 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $131,333 |
| Highest Applicant Income | $5,756,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Bethpage Federal Credit Union. 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 Bethpage Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Bethpage Federal Credit Union'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 Bethpage Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Bethpage Federal Credit Union, 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 Bethpage Federal Credit Union's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County New York | 2,260 | $ 617,113,000 | $ 273,000 | $ 133,000 |
| Suffolk County New York | 2,229 | $ 573,453,000 | $ 257,000 | $ 133,000 |
| Queens County New York | 168 | $ 43,737,000 | $ 260,000 | $ 105,000 |
| New York County New York | 53 | $ 35,938,000 | $ 678,000 | $ 532,000 |
| Kings County New York | 37 | $ 10,792,000 | $ 291,000 | $ 153,000 |
| Westchester County New York | 29 | $ 13,249,000 | $ 456,000 | $ 218,000 |
| Palm Beach County Florida | 17 | $ 3,928,000 | $ 231,000 | $ 213,000 |
| Brevard County Florida | 15 | $ 2,432,000 | $ 162,000 | $ 162,000 |
| Broward County Florida | 12 | $ 2,029,000 | $ 169,000 | $ 132,000 |
| Bergen County New Jersey | 10 | $ 3,185,000 | $ 318,000 | $ 133,000 |
| Bronx County New York | 10 | $ 2,922,000 | $ 292,000 | $ 115,000 |
| Martin County Florida | 9 | $ 1,422,000 | $ 158,000 | $ 146,000 |
| Richmond County New York | 9 | $ 2,066,000 | $ 229,000 | $ 104,000 |
| Fairfield County Connecticut | 8 | $ 1,805,000 | $ 225,000 | $ 136,000 |
| Lee County Florida | 7 | $ 974,000 | $ 139,000 | $ 218,000 |
| St. Johns County Florida | 7 | $ 1,515,000 | $ 216,000 | $ 127,000 |
| Collier County Florida | 6 | $ 1,047,000 | $ 174,000 | $ 118,000 |
| Wake County North Carolina | 6 | $ 1,502,000 | $ 250,000 | $ 180,000 |
| Chester County Pennsylvania | 6 | $ 2,363,000 | $ 393,000 | $ 143,000 |
| Loudoun County Virginia | 6 | $ 1,703,000 | $ 283,000 | $ 169,000 |
| Putnam County New York | 5 | $ 1,341,000 | $ 268,000 | $ 82,000 |
| Rockland County New York | 5 | $ 1,540,000 | $ 308,000 | $ 123,000 |
| Fairfax County Virginia | 5 | $ 1,234,000 | $ 246,000 | $ 147,000 |
| New Haven County Connecticut | 4 | $ 801,000 | $ 200,000 | $ 108,000 |
| Hillsborough County Florida | 4 | $ 490,000 | $ 122,000 | $ 82,000 |
| Miami-Dade County Florida | 4 | $ 783,000 | $ 195,000 | $ 180,000 |
| St. Lucie County Florida | 4 | $ 357,000 | $ 89,000 | $ 92,000 |
| Hudson County New Jersey | 4 | $ 1,181,000 | $ 295,000 | $ 162,000 |
| Mercer County New Jersey | 4 | $ 1,153,000 | $ 288,000 | $ 142,000 |
| Columbia County New York | 4 | $ 457,000 | $ 114,000 | $ 131,000 |
| Orange County New York | 4 | $ 1,220,000 | $ 305,000 | $ 150,000 |
| Schoharie County New York | 4 | $ 315,000 | $ 78,000 | $ 116,000 |
| Hartford County Connecticut | 3 | $ 764,000 | $ 254,000 | $ 112,000 |
| Pinellas County Florida | 3 | $ 750,000 | $ 250,000 | $ 254,000 |
| Effingham County Georgia | 3 | $ 492,000 | $ 164,000 | $ 238,000 |
| Fayette County Georgia | 3 | $ 635,000 | $ 211,000 | $ 85,000 |
| Fulton County Georgia | 3 | $ 834,000 | $ 278,000 | $ 176,000 |
| Clark County Nevada | 3 | $ 332,000 | $ 110,000 | $ 63,000 |
| Essex County New Jersey | 3 | $ 578,000 | $ 192,000 | $ 130,000 |
| Ocean County New Jersey | 3 | $ 1,035,000 | $ 345,000 | $ 554,000 |
| Somerset County New Jersey | 3 | $ 855,000 | $ 285,000 | $ 109,000 |
| Dutchess County New York | 3 | $ 667,000 | $ 222,000 | $ 138,000 |
| Fulton County New York | 3 | $ 482,000 | $ 160,000 | $ 93,000 |
| Onondaga County New York | 3 | $ 312,000 | $ 104,000 | $ 58,000 |
| Guilford County North Carolina | 3 | $ 577,000 | $ 192,000 | $ 103,000 |
| Pike County Pennsylvania | 3 | $ 355,000 | $ 118,000 | $ 147,000 |
| Maricopa County Arizona | 2 | $ 447,000 | $ 223,000 | $ 76,000 |
| Alameda County California | 2 | $ 697,000 | $ 348,000 | $ 101,000 |
| Los Angeles County California | 2 | $ 499,000 | $ 249,000 | $ 227,000 |
| Orange County California | 2 | $ 302,000 | $ 151,000 | $ 92,000 |
| New Castle County Delaware | 2 | $ 556,000 | $ 278,000 | $ 162,000 |
| Alachua County Florida | 2 | $ 187,000 | $ 93,000 | $ 82,000 |
| Flagler County Florida | 2 | $ 316,000 | $ 158,000 | $ 92,000 |
| Manatee County Florida | 2 | $ 684,000 | $ 342,000 | $ 190,000 |
| Orange County Florida | 2 | $ 425,000 | $ 212,000 | $ 195,000 |
| Seminole County Florida | 2 | $ 124,000 | $ 62,000 | $ 117,000 |
| Sumter County Florida | 2 | $ 308,000 | $ 154,000 | $ 110,000 |
| Volusia County Florida | 2 | $ 170,000 | $ 85,000 | $ 165,000 |
| Cobb County Georgia | 2 | $ 251,000 | $ 125,000 | $ 38,000 |
| Gwinnett County Georgia | 2 | $ 249,000 | $ 124,000 | $ 50,000 |
| Cook County Illinois | 2 | $ 251,000 | $ 125,000 | $ 79,000 |
| Cumberland County Maine | 2 | $ 369,000 | $ 184,000 | $ 176,000 |
| Howard County Maryland | 2 | $ 349,000 | $ 174,000 | $ 207,000 |
| Norfolk County Massachusetts | 2 | $ 1,325,000 | $ 662,000 | $ 317,000 |
| Worcester County Massachusetts | 2 | $ 526,000 | $ 263,000 | $ 182,000 |
| Carroll County New Hampshire | 2 | $ 300,000 | $ 150,000 | $ 139,000 |
| Hunterdon County New Jersey | 2 | $ 633,000 | $ 316,000 | $ 206,000 |
| Middlesex County New Jersey | 2 | $ 409,000 | $ 204,000 | $ 94,000 |
| Albany County New York | 2 | $ 489,000 | $ 244,000 | $ 98,000 |
| Delaware County New York | 2 | $ 334,000 | $ 167,000 | $ 113,000 |
| Greene County New York | 2 | $ 135,000 | $ 67,000 | $ 135,000 |
| Herkimer County New York | 2 | $ 226,000 | $ 113,000 | $ 155,000 |
| Ulster County New York | 2 | $ 372,000 | $ 186,000 | $ 89,000 |
| Warren County New York | 2 | $ 395,000 | $ 197,000 | $ 157,000 |
| Buncombe County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 93,000 |
| Forsyth County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 100,000 |
| Iredell County North Carolina | 2 | $ 436,000 | $ 218,000 | $ 109,000 |
| Philadelphia County Pennsylvania | 2 | $ 346,000 | $ 173,000 | $ 90,000 |
| Washington County Rhode Island | 2 | $ 525,000 | $ 262,000 | $ 72,000 |
| Horry County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 102,000 |
| Sevier County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 102,000 |
| Windham County Vermont | 2 | $ 356,000 | $ 178,000 | $ 431,000 |
| Chesterfield County Virginia | 2 | $ 268,000 | $ 134,000 | $ 44,000 |
| James City County Virginia | 2 | $ 425,000 | $ 212,000 | $ 80,000 |
| Calhoun County Alabama | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Pinal County Arizona | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| San Diego County California | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Ventura County California | 1 | $ 381,000 | $ 381,000 | $ 159,000 |
| Sussex County Delaware | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Charlotte County Florida | 1 | $ 267,000 | $ 267,000 | $ 164,000 |
| Citrus County Florida | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Clay County Florida | 1 | $ 90,000 | $ 90,000 | $ 104,000 |
| Duval County Florida | 1 | $ 105,000 | $ 105,000 | $ 116,000 |
| Hernando County Florida | 1 | $ 64,000 | $ 64,000 | $ 93,000 |
| Lake County Florida | 1 | $ 57,000 | $ 57,000 | $ 60,000 |
| Okaloosa County Florida | 1 | $ 36,000 | $ 36,000 | $ 103,000 |
| Osceola County Florida | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Pasco County Florida | 1 | $ 72,000 | $ 72,000 | $ 87,000 |
| Polk County Florida | 1 | $ 283,000 | $ 283,000 | $ 141,000 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 250,000 |
| Carroll County Georgia | 1 | $ 190,000 | $ 190,000 | $ 116,000 |
| Chatham County Georgia | 1 | $ 130,000 | $ 130,000 | $ 74,000 |
| Clayton County Georgia | 1 | $ 129,000 | $ 129,000 | $ 85,000 |
| DeKalb County Georgia | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
| Hawaii County Hawaii | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Honolulu County Hawaii | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Ada County Idaho | 1 | $ 275,000 | $ 275,000 | $ 539,000 |
| Lake County Illinois | 1 | $ 400,000 | $ 400,000 | $ 130,000 |
| Porter County Indiana | 1 | $ 141,000 | $ 141,000 | $ 122,000 |
| Meade County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Baltimore County Maryland | 1 | $ 224,000 | $ 224,000 | $ 146,000 |
| Baltimore City County Maryland | 1 | $ 192,000 | $ 192,000 | $ 150,000 |
| St. Mary's County Maryland | 1 | $ 413,000 | $ 413,000 | $ 239,000 |
| Berkshire County Massachusetts | 1 | $ 138,000 | $ 138,000 | $ 156,000 |
| Suffolk County Massachusetts | 1 | $ 258,000 | $ 258,000 | $ 196,000 |
| Genesee County Michigan | 1 | $ 154,000 | $ 154,000 | $ 34,000 |
| Washington County Minnesota | 1 | $ 276,000 | $ 276,000 | $ 245,000 |
| DeSoto County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Taney County Missouri | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Yellowstone County Montana | 1 | $ 417,000 | $ 417,000 | $ 289,000 |
| Grafton County New Hampshire | 1 | $ 403,000 | $ 403,000 | $ 323,000 |
| Hillsborough County New Hampshire | 1 | $ 242,000 | $ 242,000 | $ 170,000 |
| Rockingham County New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Sullivan County New Hampshire | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Burlington County New Jersey | 1 | $ 251,000 | $ 251,000 | $ 73,000 |
| Camden County New Jersey | 1 | $ 90,000 | $ 90,000 | $ 54,000 |
| Cape May County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 311,000 |
| Gloucester County New Jersey | 1 | $ 340,000 | $ 340,000 | $ 186,000 |
| Morris County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 430,000 |
| Salem County New Jersey | 1 | $ 354,000 | $ 354,000 | $ 152,000 |
| Union County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 260,000 |
| Broome County New York | 1 | $ 111,000 | $ 111,000 | $ 140,000 |
| Oneida County New York | 1 | $ 70,000 | $ 70,000 | $ 85,000 |
| Otsego County New York | 1 | $ 97,000 | $ 97,000 | $ 25,000 |
| Rensselaer County New York | 1 | $ 400,000 | $ 400,000 | $ 114,000 |
| Saratoga County New York | 1 | $ 480,000 | $ 480,000 | $ 217,000 |
| Seneca County New York | 1 | $ 200,000 | $ 200,000 | $ 174,000 |
| Sullivan County New York | 1 | $ 113,000 | $ 113,000 | $ 163,000 |
| Cabarrus County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 117,000 |
| Davie County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 300,000 |
| New Hanover County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Northampton County North Carolina | 1 | $ 266,000 | $ 266,000 | $ 133,000 |
| Pamlico County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Union County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 134,000 |
| Montgomery County Ohio | 1 | $ 61,000 | $ 61,000 | $ 46,000 |
| Multnomah County Oregon | 1 | $ 188,000 | $ 188,000 | $ 76,000 |
| Polk County Oregon | 1 | $ 296,000 | $ 296,000 | $ 164,000 |
| Bradford County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Fayette County Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Lancaster County Pennsylvania | 1 | $ 385,000 | $ 385,000 | $ 147,000 |
| Mercer County Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 68,000 |
| Monroe County Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 180,000 |
| Montgomery County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 62,000 |
| Montour County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 91,000 |
| Washington County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Wayne County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Greenville County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 10,000 |
| Clay County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Williamson County Tennessee | 1 | $ 173,000 | $ 173,000 | $ 72,000 |
| Bennington County Vermont | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Windsor County Vermont | 1 | $ 218,000 | $ 218,000 | $ 293,000 |
| Alexandria County Virginia | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Arlington County Virginia | 1 | $ 80,000 | $ 80,000 | $ 110,000 |
| Chesapeake County Virginia | 1 | $ 84,000 | $ 84,000 | $ 99,000 |
| Snohomish County Washington | 1 | $ 260,000 | $ 260,000 | $ 68,000 |
| Kanawha County West Virginia | 1 | $ 81,000 | $ 81,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2013
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 | 2,904 | $833,465,000 | $287,000 | $2,500,000 | $146,000 | $5,756,000 |
| Home Purchase | 2,193 | $638,782,000 | $291,000 | $1,683,000 | $126,000 | $3,033,000 |
| Home Improvement | 1,023 | $182,639,000 | $178,000 | $1,150,000 | $122,000 | $5,072,000 |
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 | 4,022 | $1,083,902,000 | $269,000 | $2,500,000 | $135,000 | $5,756,000 |
| Not Provided | 1,269 | $354,792,000 | $279,000 | $1,300,000 | $148,000 | $5,072,000 |
| Asian | 335 | $103,501,000 | $308,000 | $850,000 | $136,000 | $810,000 |
| Hispanic | 298 | $69,333,000 | $232,000 | $1,265,000 | $97,000 | $340,000 |
| Black or African American | 168 | $37,737,000 | $224,000 | $1,305,000 | $95,000 | $650,000 |
| American Indian or Alaskan Native | 18 | $3,512,000 | $195,000 | $432,000 | $111,000 | $512,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,109,000 | $210,000 | $403,000 | $116,000 | $211,000 |
| 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) | 5,841 | $1,575,979,000 | $269,000 | $2,500,000 | $137,000 | $5,756,000 |
| FHA-insured (Federal Housing Administration) | 279 | $78,907,000 | $282,000 | $834,000 | $97,000 | $512,000 |
| 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 | 3,317 | $867,419,000 | $261,000 | $2,500,000 | $134,000 | $1,477,000 |
| Application Withdrawn By Applicant | 2,341 | $672,268,000 | $287,000 | $1,716,000 | $138,000 | $5,756,000 |
| Application Denied By Financial Institution | 356 | $80,182,000 | $225,000 | $1,095,000 | $112,000 | $5,072,000 |
| Application Approved But Not Accepted | 96 | $31,924,000 | $332,000 | $2,000,000 | $174,000 | $1,328,000 |
| File Closed For Incompleteness | 8 | $2,435,000 | $304,000 | $473,000 | $86,000 | $217,000 |
| Preapproval Denied by Financial Institution | 2 | $658,000 | $329,000 | $418,000 | $49,000 | $67,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Other | 119 | $34,637,000 | $291,000 | $1,095,000 | $108,000 | $964,000 |
| Credit History | 78 | $12,568,000 | $161,000 | $600,000 | $93,000 | $512,000 |
| Debt-To-Income Ratio | 70 | $17,351,000 | $247,000 | $567,000 | $78,000 | $255,000 |
| Collateral | 51 | $7,479,000 | $146,000 | $525,000 | $205,000 | $5,072,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,578,000 | $325,000 | $705,000 | $148,000 | $523,000 |
| Credit Application Incomplete | 5 | $1,237,000 | $247,000 | $442,000 | $75,000 | $111,000 |
| Employment History | 5 | $1,365,000 | $273,000 | $417,000 | $49,000 | $72,000 |
| Unverifiable Information | 4 | $1,143,000 | $285,000 | $306,000 | $99,000 | $200,000 |
| Mortgage Insurance Denied | 2 | $430,000 | $215,000 | $296,000 | $127,000 | $186,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2013 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 Bethpage Federal Credit Union'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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with aggregated HMDA statistics today.