City & Suburban Federal Saving Mortgage Lending & HMDA Data, 2003
In 2003, City & Suburban Federal Saving of Yonkers, NY reported 20 mortgage applications totaling $19.8 million. The average application was for $989,100, and applicants reported an average income of $19,250. 75% of its applications resulted in an originated loan and 15% were denied. Its largest markets were New York, NY (18), Bergen-Passaic, NJ (1) and Bridgeport, CT (1) (applications in parentheses).
| Mortgage Company & Address | City & Suburban Federal Saving 3 Executive Blvd Yonkers, NY 10701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 20 |
| Total Mortgage Loan Application Amount | $19,782,000 |
| Average Mortgage Loan Application Amount | $989,100 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $19,250 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City & Suburban Federal Saving filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York, NY | 18 | $ 18,541,000 | $ 1,030,055 | $ 27,000 |
| Bergen-Passaic, NJ | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Bridgeport, CT | 1 | $ 41,000 | $ 41,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for City & Suburban Federal Saving 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 |
|---|---|---|---|---|---|---|
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 18 | $19,553,000 | $1,139,500 | $3,300,000 | $0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1 | $188,000 | $188,000 | $188,000 | $300,000 | $300,000 |
| Home Purchase (one-to-four family) | 1 | $41,000 | $41,000 | $41,000 | $85,000 | $85,000 |
| Home Improvement (one-to-four family) | 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 | 12 | $11,548,000 | $1,070,000 | $2,300,000 | $0 | $0 |
| White | 4 | $3,899,000 | $663,500 | $3,300,000 | $92,500 | $300,000 |
| Information not provided by applicant in mail or telephone application | 2 | $1,275,000 | $637,000 | $700,000 | $0 | $0 |
| Other | 2 | $3,060,000 | $1,530,000 | $2,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 20 | $19,782,000 | $757,000 | $3,300,000 | $37,333 | $300,000 |
| 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 | 15 | $13,966,000 | $1,055,500 | $2,500,000 | $18,500 | $300,000 |
| Application Denied By Financial Institution | 3 | $4,575,000 | $1,525,000 | $3,300,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $41,000 | $41,000 | $41,000 | $85,000 | $85,000 |
| Application Approved But Not Accepted | 1 | $1,200,000 | $1,200,000 | $1,200,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $1,275,000 | $637,000 | $700,000 | $0 | $0 |
| Other | 1 | $3,300,000 | $3,300,000 | $3,300,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 City & Suburban Federal Saving'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 City & Suburban Federal Saving'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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