Credit Suisse Mortgage Lending & HMDA Data, 2004
In 2004, Credit Suisse of Princeton, NJ reported 2,879 mortgage applications totaling $613.4 million. The average application was for $213,066, and applicants reported an average income of $96,557. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Newark-Union, NJ-PA (326), Edison, NJ (307) and Tampa-St. Petersburg-Clearwater, FL (228) (applications in parentheses).
| Mortgage Company & Address | Credit Suisse 302 Carnegie Center 2nd Floor Princeton, NJ 08540 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,879 |
| Total Mortgage Loan Application Amount | $613,419,000 |
| Average Mortgage Loan Application Amount | $213,066 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $96,557 |
| Highest Applicant Income | $1,404,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Credit Suisse filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Newark-Union, NJ-PA | 326 | $ 67,609,000 | $ 207,389 | $ 86,000 |
| Edison, NJ | 307 | $ 70,652,000 | $ 230,136 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 228 | $ 38,581,000 | $ 169,214 | $ 78,000 |
| New York-Wayne-White Plains, NY-NJ | 172 | $ 52,611,000 | $ 305,877 | $ 99,000 |
| Durham, NC | 147 | $ 33,123,000 | $ 225,326 | $ 81,000 |
| Sarasota-Bradenton-Venice, FL | 84 | $ 18,837,000 | $ 224,250 | $ 128,000 |
| Raleigh-Cary, NC | 78 | $ 15,602,000 | $ 200,025 | $ 87,000 |
| Orlando, FL | 77 | $ 11,614,000 | $ 150,831 | $ 57,000 |
| Philadelphia, PA | 64 | $ 9,664,000 | $ 151,000 | $ 119,000 |
| Miami-Miami Beach-Kendall, FL | 57 | $ 11,357,000 | $ 199,245 | $ 120,000 |
| Atlanta-Sandy Springs-Marietta, GA | 55 | $ 13,455,000 | $ 244,636 | $ 121,000 |
| Charlotte-Gastonia-Concord, NC-SC | 53 | $ 6,031,000 | $ 113,792 | $ 43,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 51 | $ 13,258,000 | $ 259,960 | $ 163,000 |
| Nassau-Suffolk, NY | 48 | $ 12,750,000 | $ 265,625 | $ 118,000 |
| Camden, NJ | 40 | $ 5,509,000 | $ 137,725 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 35 | $ 5,958,000 | $ 170,228 | $ 89,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 30 | $ 7,583,000 | $ 252,766 | $ 74,000 |
| Denver-Aurora, CO | 28 | $ 4,469,000 | $ 159,607 | $ 66,000 |
| Naples-Marco Island, FL | 26 | $ 10,429,000 | $ 401,115 | $ 178,000 |
| Trenton-Ewing, NJ | 26 | $ 4,785,000 | $ 184,038 | $ 127,000 |
| Pittsburgh, PA | 25 | $ 2,279,000 | $ 91,160 | $ 83,000 |
| Jacksonville, FL | 22 | $ 6,456,000 | $ 293,454 | $ 113,000 |
| Wilmington, DE-MD-NJ | 20 | $ 2,297,000 | $ 114,850 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 2,900,000 | $ 181,250 | $ 112,000 |
| Atlantic City, NJ | 15 | $ 1,866,000 | $ 124,400 | $ 71,000 |
| Austin-Round Rock, TX | 14 | $ 1,401,000 | $ 100,071 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 2,626,000 | $ 187,571 | $ 98,000 |
| Las Vegas-Paradise, NV | 13 | $ 3,039,000 | $ 233,769 | $ 66,000 |
| Ocean City, NJ | 13 | $ 5,218,000 | $ 401,384 | $ 330,000 |
| Dallas-Plano-Irving, TX | 12 | $ 1,969,000 | $ 164,083 | $ 144,000 |
| Portland-South Portland-Biddeford, ME | 12 | $ 2,581,000 | $ 215,083 | $ 53,000 |
| Pueblo, CO | 12 | $ 1,160,000 | $ 96,666 | $ 0 |
| Boston-Quincy, MA | 11 | $ 2,877,000 | $ 261,545 | $ 135,000 |
| Colorado Springs, CO | 11 | $ 1,378,000 | $ 125,272 | $ 61,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 1,236,000 | $ 112,363 | $ 128,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,470,000 | $ 247,000 | $ 64,000 |
| Burlington, NC | 9 | $ 866,000 | $ 96,222 | $ 99,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 3,735,000 | $ 415,000 | $ 133,000 |
| Wilmington, NC | 9 | $ 4,527,000 | $ 503,000 | $ 134,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 3,526,000 | $ 440,750 | $ 175,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 4,635,000 | $ 579,375 | $ 120,000 |
| Bethesda-Frederick-Gaithersburg, MD | 7 | $ 2,143,000 | $ 306,142 | $ 141,000 |
| Lakeland, FL | 7 | $ 628,000 | $ 89,714 | $ 29,000 |
| Oakland-Fremont-Hayward, CA | 7 | $ 3,649,000 | $ 521,285 | $ 184,000 |
| Barnstable Town, MA | 6 | $ 2,416,000 | $ 402,666 | $ 173,000 |
| Fort Collins-Loveland, CO | 6 | $ 809,000 | $ 134,833 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 923,000 | $ 153,833 | $ 45,000 |
| Manchester-Nashua, NH | 6 | $ 1,105,000 | $ 184,166 | $ 25,000 |
| New Haven-Milford, CT | 6 | $ 648,000 | $ 108,000 | $ 94,000 |
| Punta Gorda, FL | 6 | $ 1,444,000 | $ 240,666 | $ 78,000 |
| Essex County, MA | 5 | $ 1,136,000 | $ 227,200 | $ 33,000 |
| Greeley, CO | 5 | $ 1,116,000 | $ 223,200 | $ 64,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 555,000 | $ 111,000 | $ 20,000 |
| Baltimore-Towson, MD | 4 | $ 636,000 | $ 159,000 | $ 20,000 |
| Erie, PA | 4 | $ 206,000 | $ 51,500 | $ 96,000 |
| Greensboro-High Point, NC | 4 | $ 607,000 | $ 151,750 | $ 57,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 431,000 | $ 107,750 | $ 84,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 573,000 | $ 143,250 | $ 138,000 |
| Panama City-Lynn Haven, FL | 4 | $ 518,000 | $ 129,500 | $ 28,000 |
| Port St. Lucie-Fort Pierce, FL | 4 | $ 597,000 | $ 149,250 | $ 30,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 636,000 | $ 159,000 | $ 72,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,128,000 | $ 282,000 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,237,000 | $ 309,250 | $ 144,000 |
| Winston-Salem, NC | 4 | $ 375,000 | $ 93,750 | $ 56,000 |
| Worcester, MA | 4 | $ 844,000 | $ 211,000 | $ 22,000 |
| Asheville, NC | 3 | $ 352,000 | $ 117,333 | $ 148,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 157,000 | $ 52,333 | $ 105,000 |
| El Paso, TX | 3 | $ 211,000 | $ 70,333 | $ 0 |
| Fayetteville, NC | 3 | $ 152,000 | $ 50,666 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 831,000 | $ 277,000 | $ 102,000 |
| Tallahassee, FL | 3 | $ 193,000 | $ 64,333 | $ 24,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,132,000 | $ 377,333 | $ 96,000 |
| Vero Beach, FL | 3 | $ 472,000 | $ 157,333 | $ 180,000 |
| Albuquerque, NM | 2 | $ 315,000 | $ 157,500 | $ 96,000 |
| Dover, DE | 2 | $ 235,000 | $ 117,500 | $ 78,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 101,000 | $ 50,500 | $ 120,000 |
| Jacksonville, NC | 2 | $ 848,000 | $ 424,000 | $ 162,000 |
| Kingston, NY | 2 | $ 435,000 | $ 217,500 | $ 54,000 |
| Napa, CA | 2 | $ 1,103,000 | $ 551,500 | $ 360,000 |
| Richmond, VA | 2 | $ 164,000 | $ 82,000 | $ 0 |
| Salt Lake City, UT | 2 | $ 119,000 | $ 59,500 | $ 48,000 |
| San Antonio, TX | 2 | $ 109,000 | $ 54,500 | $ 360,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,199,000 | $ 599,500 | $ 144,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 370,000 | $ 185,000 | $ 84,000 |
| Winchester, VA-WV | 2 | $ 197,000 | $ 98,500 | $ 72,000 |
| Altoona, PA | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Clarksville, TN-KY | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 401,000 | $ 401,000 | $ 192,000 |
| Gainesville, GA | 1 | $ 420,000 | $ 420,000 | $ 120,000 |
| Glens Falls, NY | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Harrisburg-Carlisle, PA | 1 | $ 158,000 | $ 158,000 | $ 120,000 |
| Lexington-Fayette, KY | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 385,000 | $ 385,000 | $ 84,000 |
| Norwich-New London, CT | 1 | $ 260,000 | $ 260,000 | $ 84,000 |
| Pittsfield, MA | 1 | $ 114,000 | $ 114,000 | $ 132,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 174,000 | $ 174,000 | $ 36,000 |
| Reading, PA | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 279,000 | $ 279,000 | $ 108,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 476,000 | $ 476,000 | $ 240,000 |
| Springfield, MA | 1 | $ 211,000 | $ 211,000 | $ 72,000 |
| Tucson, AZ | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 248,000 | $ 248,000 | $ 60,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 28,000 | $ 28,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Credit Suisse 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 Purchase | 1,888 | $362,155,000 | $169,857 | $1,500,000 | $76,107 | $1,404,000 |
| Refinancing | 985 | $249,080,000 | $223,880 | $1,650,000 | $95,280 | $600,000 |
| Home Improvement | 6 | $2,184,000 | $295,666 | $880,000 | $78,000 | $252,000 |
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 | 1,770 | $399,779,000 | $194,607 | $1,609,000 | $89,250 | $1,404,000 |
| Hispanic | 507 | $100,348,000 | $172,625 | $1,650,000 | $68,500 | $540,000 |
| Black or African American | 225 | $38,123,000 | $187,800 | $1,000,000 | $83,266 | $744,000 |
| Asian | 215 | $39,759,000 | $216,000 | $1,625,000 | $94,600 | $408,000 |
| Not Provided | 146 | $33,043,000 | $189,875 | $984,000 | $91,625 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,445,000 | $122,666 | $240,000 | $35,333 | $168,000 |
| American Indian or Alaskan Native | 4 | $922,000 | $231,666 | $350,000 | $130,000 | $180,000 |
| 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) | 2,879 | $613,419,000 | $184,033 | $1,650,000 | $81,100 | $1,404,000 |
| 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 | 2,368 | $497,012,000 | $191,862 | $1,625,000 | $83,103 | $1,404,000 |
| Application Approved But Not Accepted | 259 | $62,590,000 | $217,473 | $1,386,000 | $81,000 | $660,000 |
| Application Denied By Financial Institution | 243 | $52,898,000 | $208,000 | $1,650,000 | $88,058 | $744,000 |
| Application Withdrawn By Applicant | 9 | $919,000 | $119,200 | $340,000 | $40,800 | $108,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Suisse'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 Credit Suisse'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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