Community Federal Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, Community Federal Savings Bank of Woodhaven, NY reported 419 mortgage applications totaling $129.8 million. The average application was for $309,897, and applicants reported an average income of $83,737. 31% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Boston, MA (129), New York-Jersey City-White Plains, NY-NJ (54) and Cambridge-Newton-Framingham, MA (36) (applications in parentheses).
| Mortgage Company & Address | Community Federal Savings Bank 89-16 Jamaica Avenue Woodhaven, NY 11421 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2013 |
| Total Number of Mortgage Applications | 419 |
| Total Mortgage Loan Application Amount | $129,847,000 |
| Average Mortgage Loan Application Amount | $309,897 |
| Highest Mortgage Loan Application Amount | $2,425,000 |
| Average Applicant Income | $83,737 |
| Highest Applicant Income | $1,128,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Boston, MA | 129 | $ 38,246,000 | $ 296,480 | $ 75,000 |
| New York-Jersey City-White Plains, NY-NJ | 54 | $ 33,269,000 | $ 616,092 | $ 76,222 |
| Cambridge-Newton-Framingham, MA | 36 | $ 10,756,000 | $ 298,777 | $ 95,000 |
| Newark, NJ-PA | 34 | $ 10,226,000 | $ 300,764 | $ 109,000 |
| Providence-Warwick, RI-MA | 29 | $ 5,853,000 | $ 201,827 | $ 63,103 |
| Worcester, MA-CT | 10 | $ 2,053,000 | $ 205,300 | $ 72,000 |
| Nassau County-Suffolk County, NY | 9 | $ 3,786,000 | $ 420,666 | $ 164,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,469,000 | $ 352,714 | $ 125,714 |
| Barnstable Town, MA | 6 | $ 939,000 | $ 156,500 | $ 37,000 |
| Richmond, VA | 4 | $ 1,123,000 | $ 280,750 | $ 125,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 957,000 | $ 319,000 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 779,000 | $ 259,666 | $ 101,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,316,000 | $ 438,666 | $ 168,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 392,000 | $ 130,666 | $ 31,000 |
| New Haven-Milford, CT | 3 | $ 1,008,000 | $ 336,000 | $ 121,000 |
| Pittsburgh, PA | 3 | $ 339,000 | $ 113,000 | $ 406,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 469,000 | $ 156,333 | $ 25,000 |
| Tucson, AZ | 3 | $ 375,000 | $ 125,000 | $ 55,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 502,000 | $ 251,000 | $ 76,000 |
| Dallas-Plano-Irving, TX | 2 | $ 600,000 | $ 300,000 | $ 143,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 502,000 | $ 251,000 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 328,000 | $ 164,000 | $ 177,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 231,000 | $ 115,500 | $ 14,000 |
| Salt Lake City, UT | 2 | $ 227,000 | $ 113,500 | $ 6,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,208,000 | $ 604,000 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 232,000 | $ 116,000 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 700,000 | $ 350,000 | $ 112,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 377,000 | $ 188,500 | $ 151,000 |
| Albuquerque, NM | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 163,000 | $ 163,000 | $ 45,000 |
| Bakersfield, CA | 1 | $ 95,000 | $ 95,000 | $ 133,000 |
| Billings, MT | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 211,000 | $ 211,000 | $ 90,000 |
| Charleston-North Charleston, SC | 1 | $ 220,000 | $ 220,000 | $ 122,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Dover, DE | 1 | $ 156,000 | $ 156,000 | $ 94,000 |
| Duluth, MN-WI | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Dutchess County-Putnam County, NY | 1 | $ 461,000 | $ 461,000 | $ 116,000 |
| Fort Worth-Arlington, TX | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Greeley, CO | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Jonesboro, AR | 1 | $ 132,000 | $ 132,000 | $ 73,000 |
| Lexington-Fayette, KY | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 310,000 | $ 310,000 | $ 115,000 |
| Muncie, IN | 1 | $ 100,000 | $ 100,000 | $ 19,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Ocean City, NJ | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 286,000 | $ 286,000 | $ 83,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Reno, NV | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Rockingham County-Strafford County, NH | 1 | $ 268,000 | $ 268,000 | $ 109,000 |
| Salisbury, MD-DE | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| San Antonio-New Braunfels, TX | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 260,000 | $ 260,000 | $ 76,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 350,000 | $ 350,000 | $ 91,000 |
| Springfield, MA | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Springfield, MO | 1 | $ 137,000 | $ 137,000 | $ 105,000 |
| St. Louis, MO-IL | 1 | $ 210,000 | $ 210,000 | $ 0 |
| State College, PA | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| Tacoma-Lakewood, WA | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
| Utica-Rome, NY | 1 | $ 216,000 | $ 216,000 | $ 108,000 |
| Vallejo-Fairfield, CA | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Walla Walla, WA | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Williamsport, PA | 1 | $ 100,000 | $ 100,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community Federal Savings Bank in 2015
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 | 227 | $76,691,000 | $337,000 | $2,425,000 | $76,000 | $1,128,000 |
| Home Purchase | 113 | $31,541,000 | $279,000 | $1,256,000 | $97,000 | $353,000 |
| Home Improvement | 79 | $21,615,000 | $273,000 | $995,000 | $87,000 | $520,000 |
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 | 256 | $69,747,000 | $272,000 | $1,256,000 | $99,000 | $1,128,000 |
| Black or African American | 74 | $20,469,000 | $276,000 | $620,000 | $64,000 | $196,000 |
| Hispanic | 41 | $9,548,000 | $232,000 | $611,000 | $47,000 | $195,000 |
| Not applicable | 18 | $22,363,000 | $1,242,000 | $2,425,000 | $3,000 | $65,000 |
| Asian | 15 | $4,821,000 | $321,000 | $625,000 | $109,000 | $290,000 |
| Not Provided | 12 | $2,139,000 | $178,000 | $410,000 | $69,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $606,000 | $303,000 | $434,000 | $120,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $154,000 | $154,000 | $154,000 | $58,000 | $58,000 |
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) | 215 | $78,754,000 | $366,000 | $2,425,000 | $110,000 | $1,128,000 |
| FHA-insured (Federal Housing Administration) | 191 | $48,417,000 | $253,000 | $620,000 | $56,000 | $237,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,300,000 | $209,000 | $491,000 | $39,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $376,000 | $188,000 | $209,000 | $86,000 | $113,000 |
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 | 130 | $54,458,000 | $418,000 | $2,425,000 | $82,000 | $520,000 |
| Application Denied By Financial Institution | 127 | $31,349,000 | $246,000 | $995,000 | $75,000 | $1,128,000 |
| File Closed For Incompleteness | 97 | $26,431,000 | $272,000 | $982,000 | $88,000 | $516,000 |
| Application Withdrawn By Applicant | 64 | $17,220,000 | $269,000 | $1,256,000 | $95,000 | $353,000 |
| Application Approved But Not Accepted | 1 | $389,000 | $389,000 | $389,000 | $162,000 | $162,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 77 | $17,295,000 | $224,000 | $675,000 | $76,000 | $1,128,000 |
| Debt-To-Income Ratio | 25 | $6,996,000 | $279,000 | $800,000 | $72,000 | $250,000 |
| Collateral | 16 | $5,062,000 | $316,000 | $995,000 | $86,000 | $240,000 |
| Other | 4 | $782,000 | $195,000 | $230,000 | $31,000 | $71,000 |
| Unverifiable Information | 2 | $588,000 | $294,000 | $345,000 | $102,000 | $122,000 |
| Employment History | 2 | $499,000 | $249,000 | $308,000 | $59,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $127,000 | $127,000 | $127,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Federal Savings Bank's 2015 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 Community Federal Savings Bank'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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