Guaranteed Home Mortgage Compa Mortgage Lending & HMDA Data, 2013
In 2013, Guaranteed Home Mortgage Compa of White Plains, NY reported 2,058 mortgage applications totaling $567.4 million, down 36% from 2012. The average application was for $275,695, and applicants reported an average income of $109,000. 50% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (538), Edison-New Brunswick, NJ (280) and York-Hanover, PA (146) (applications in parentheses).
| Mortgage Company & Address | Guaranteed Home Mortgage Compa 108 Corporate Park Drive - Suite 301 White Plains, NY 10604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 2,058 |
| Total Mortgage Loan Application Amount | $567,381,000 |
| Average Mortgage Loan Application Amount | $275,695 |
| Highest Mortgage Loan Application Amount | $2,030,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $2,599,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranteed Home Mortgage Compa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-White Plains-Wayne, NY-NJ | 538 | $ 188,149,000 | $ 349,719 | $ 131,899 |
| Edison-New Brunswick, NJ | 280 | $ 81,088,000 | $ 289,600 | $ 114,000 |
| York-Hanover, PA | 146 | $ 24,756,000 | $ 169,561 | $ 69,000 |
| Newark-Union, NJ-PA | 139 | $ 42,482,000 | $ 305,625 | $ 120,208 |
| Nassau-Suffolk, NY | 90 | $ 33,665,000 | $ 374,055 | $ 136,000 |
| Wilmington, DE-MD-NJ | 65 | $ 13,323,000 | $ 204,969 | $ 70,692 |
| Rochester, NY | 61 | $ 8,650,000 | $ 141,803 | $ 74,000 |
| Philadelphia, PA | 53 | $ 12,196,000 | $ 230,113 | $ 98,000 |
| Camden, NJ | 52 | $ 11,921,000 | $ 229,250 | $ 91,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 51 | $ 12,574,000 | $ 246,549 | $ 85,000 |
| Richmond, VA | 44 | $ 9,684,000 | $ 220,090 | $ 71,000 |
| Baltimore-Towson, MD | 40 | $ 11,629,000 | $ 290,725 | $ 118,000 |
| Lewiston-Auburn, ME | 39 | $ 5,844,000 | $ 149,846 | $ 57,000 |
| Bethesda-Rockville-Frederick, MD | 34 | $ 12,426,000 | $ 365,470 | $ 153,000 |
| Portland-South Portland-Biddeford, ME | 33 | $ 6,033,000 | $ 182,818 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 32 | $ 10,883,000 | $ 340,093 | $ 185,218 |
| Trenton-Ewing, NJ | 23 | $ 5,953,000 | $ 258,826 | $ 115,000 |
| Dover, DE | 21 | $ 3,493,000 | $ 166,333 | $ 55,000 |
| Harrisburg-Carlisle, PA | 17 | $ 2,950,000 | $ 173,529 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 15 | $ 3,489,000 | $ 232,600 | $ 123,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,917,000 | $ 224,384 | $ 77,230 |
| Seattle-Bellevue-Everett, WA | 12 | $ 3,637,000 | $ 303,083 | $ 91,000 |
| Ocean City, NJ | 11 | $ 3,007,000 | $ 273,363 | $ 170,000 |
| Pittsburgh, PA | 11 | $ 2,179,000 | $ 198,090 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 4,782,000 | $ 478,200 | $ 168,000 |
| Lancaster, PA | 8 | $ 1,475,000 | $ 184,375 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 4,897,000 | $ 612,125 | $ 366,000 |
| Bangor, ME | 5 | $ 888,000 | $ 177,600 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,707,000 | $ 341,400 | $ 238,000 |
| Raleigh-Cary, NC | 5 | $ 878,000 | $ 175,600 | $ 55,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 766,000 | $ 191,500 | $ 191,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,154,000 | $ 288,500 | $ 297,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,016,000 | $ 254,000 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 472,000 | $ 157,333 | $ 39,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 423,000 | $ 141,000 | $ 73,000 |
| New Haven-Milford, CT | 3 | $ 1,163,000 | $ 387,666 | $ 77,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 634,000 | $ 211,333 | $ 39,000 |
| Asheville, NC | 2 | $ 428,000 | $ 214,000 | $ 82,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 567,000 | $ 283,500 | $ 52,000 |
| Kingston, NY | 2 | $ 302,000 | $ 151,000 | $ 39,000 |
| Reading, PA | 2 | $ 420,000 | $ 210,000 | $ 69,000 |
| Spokane, WA | 2 | $ 414,000 | $ 207,000 | $ 67,000 |
| Tacoma, WA | 2 | $ 483,000 | $ 241,500 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 142,000 | $ 71,000 | $ 61,000 |
| Wilmington, NC | 2 | $ 338,000 | $ 169,000 | $ 104,000 |
| Barnstable Town, MA | 1 | $ 246,000 | $ 246,000 | $ 84,000 |
| Bellingham, WA | 1 | $ 183,000 | $ 183,000 | $ 94,000 |
| Bremerton-Silverdale, WA | 1 | $ 236,000 | $ 236,000 | $ 74,000 |
| Burlington, NC | 1 | $ 269,000 | $ 269,000 | $ 89,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 325,000 | $ 325,000 | $ 128,000 |
| Dallas-Plano-Irving, TX | 1 | $ 262,000 | $ 262,000 | $ 177,000 |
| Fayetteville, NC | 1 | $ 104,000 | $ 104,000 | $ 29,000 |
| Fort Worth-Arlington, TX | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Harrisonburg, VA | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Lebanon, PA | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Longview, WA | 1 | $ 301,000 | $ 301,000 | $ 102,000 |
| Manchester-Nashua, NH | 1 | $ 209,000 | $ 209,000 | $ 110,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 77,000 | $ 77,000 | $ 119,000 |
| Naples-Marco Island, FL | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 340,000 | $ 340,000 | $ 98,000 |
| Ocala, FL | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| Peabody, MA | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Port St. Lucie, FL | 1 | $ 340,000 | $ 340,000 | $ 197,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 274,000 | $ 274,000 | $ 66,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 233,000 | $ 233,000 | $ 70,000 |
| Rockingham County-Strafford County, NH | 1 | $ 190,000 | $ 190,000 | $ 107,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 79,000 | $ 79,000 | $ 45,000 |
| San Antonio-New Braunfels, TX | 1 | $ 65,000 | $ 65,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 188,000 | $ 188,000 | $ 83,000 |
| Springfield, MA | 1 | $ 269,000 | $ 269,000 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 173,000 | $ 173,000 | $ 4,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 179,000 | $ 179,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Guaranteed Home Mortgage Compa 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 | 1,404 | $385,286,000 | $274,000 | $1,250,000 | $109,000 | $2,599,000 |
| Home Purchase | 654 | $182,095,000 | $278,000 | $2,030,000 | $109,000 | $1,162,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 1,389 | $387,889,000 | $279,000 | $2,030,000 | $115,000 | $2,599,000 |
| Not Provided | 348 | $91,743,000 | $263,000 | $1,050,000 | $98,000 | $600,000 |
| Hispanic | 126 | $33,036,000 | $262,000 | $990,000 | $84,000 | $398,000 |
| Asian | 107 | $33,744,000 | $315,000 | $760,000 | $114,000 | $325,000 |
| Black or African American | 82 | $19,253,000 | $234,000 | $673,000 | $73,000 | $389,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,409,000 | $352,000 | $417,000 | $418,000 | $670,000 |
| American Indian or Alaskan Native | 2 | $307,000 | $153,000 | $187,000 | $80,000 | $131,000 |
| 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) | 1,262 | $372,692,000 | $295,000 | $2,030,000 | $135,000 | $2,599,000 |
| FHA-insured (Federal Housing Administration) | 683 | $170,017,000 | $248,000 | $740,000 | $68,000 | $584,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $9,732,000 | $170,000 | $323,000 | $55,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 56 | $14,940,000 | $266,000 | $630,000 | $81,000 | $227,000 |
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 | 1,033 | $280,340,000 | $271,000 | $2,030,000 | $106,000 | $1,635,000 |
| Application Withdrawn By Applicant | 639 | $177,149,000 | $277,000 | $1,800,000 | $110,000 | $863,000 |
| File Closed For Incompleteness | 190 | $55,157,000 | $290,000 | $1,250,000 | $133,000 | $2,599,000 |
| Application Denied By Financial Institution | 152 | $41,636,000 | $273,000 | $1,064,000 | $97,000 | $786,000 |
| Application Approved But Not Accepted | 44 | $13,099,000 | $297,000 | $626,000 | $102,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 41 | $12,727,000 | $310,000 | $1,064,000 | $83,000 | $390,000 |
| Collateral | 34 | $7,690,000 | $226,000 | $600,000 | $99,000 | $538,000 |
| Credit History | 17 | $4,395,000 | $258,000 | $740,000 | $89,000 | $350,000 |
| Other | 10 | $3,267,000 | $326,000 | $682,000 | $102,000 | $316,000 |
| Employment History | 6 | $1,309,000 | $218,000 | $458,000 | $89,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,513,000 | $302,000 | $417,000 | $57,000 | $76,000 |
| Unverifiable Information | 4 | $573,000 | $143,000 | $216,000 | $73,000 | $130,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranteed Home Mortgage Compa'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 Guaranteed Home Mortgage Compa'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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