Independence Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Independence Community Bank 2004 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 | Independence Community Bank 195 Montague Street Brooklyn, NY 11201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,763 |
| Total Mortgage Loan Application Amount | $1,887,473,000 |
| Average Mortgage Loan Application Amount | $2,182,950 |
| Highest Mortgage Loan Application Amount | $95,000,000 |
| Average Applicant Income | $25,700 |
| Highest Applicant Income | $1,359,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Independence Community Bank. 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 Independence Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Independence Community Bank'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 Independence Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Independence Community Bank, 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 Independence Community Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kings County New York | 440 | $ 163,406,000 | $ 371,000 | $ 69,000 |
| Richmond County New York | 393 | $ 111,694,000 | $ 284,000 | $ 80,000 |
| Union County New Jersey | 285 | $ 43,876,000 | $ 153,000 | $ 64,000 |
| Queens County New York | 266 | $ 123,556,000 | $ 464,000 | $ 61,000 |
| Essex County New Jersey | 221 | $ 61,602,000 | $ 278,000 | $ 74,000 |
| Hudson County New Jersey | 177 | $ 107,683,000 | $ 608,000 | $ 62,000 |
| New York County New York | 168 | $ 320,539,000 | $ 1,907,000 | $ 75,000 |
| Middlesex County New Jersey | 109 | $ 21,220,000 | $ 194,000 | $ 70,000 |
| Bronx County New York | 98 | $ 97,370,000 | $ 993,000 | $ 47,000 |
| Nassau County New York | 85 | $ 14,966,000 | $ 176,000 | $ 108,000 |
| Bergen County New Jersey | 84 | $ 21,131,000 | $ 251,000 | $ 68,000 |
| Ocean County New Jersey | 51 | $ 6,027,000 | $ 118,000 | $ 137,000 |
| Monmouth County New Jersey | 48 | $ 10,316,000 | $ 214,000 | $ 83,000 |
| District of Columbia County District Of Columbia | 31 | $ 78,485,000 | $ 2,531,000 | $ 0 |
| Suffolk County New York | 31 | $ 6,565,000 | $ 211,000 | $ 100,000 |
| Westchester County New York | 31 | $ 14,467,000 | $ 466,000 | $ 51,000 |
| Somerset County New Jersey | 19 | $ 6,909,000 | $ 363,000 | $ 73,000 |
| Baltimore City County Maryland | 18 | $ 76,886,000 | $ 4,271,000 | $ 0 |
| Philadelphia County Pennsylvania | 18 | $ 34,845,000 | $ 1,935,000 | $ 0 |
| Passaic County New Jersey | 17 | $ 14,943,000 | $ 879,000 | $ 55,000 |
| Morris County New Jersey | 14 | $ 10,766,000 | $ 769,000 | $ 98,000 |
| Miami-Dade County Florida | 12 | $ 62,920,000 | $ 5,243,000 | $ 0 |
| Prince George's County Maryland | 12 | $ 147,932,000 | $ 12,327,000 | $ 0 |
| Broward County Florida | 11 | $ 38,918,000 | $ 3,538,000 | $ 0 |
| Hillsborough County Florida | 9 | $ 18,503,000 | $ 2,055,000 | $ 0 |
| New Haven County Connecticut | 7 | $ 7,685,000 | $ 1,097,000 | $ 0 |
| Warren County New Jersey | 6 | $ 9,052,000 | $ 1,508,000 | $ 86,000 |
| Erie County New York | 6 | $ 409,000 | $ 68,000 | $ 99,000 |
| Palm Beach County Florida | 4 | $ 8,161,000 | $ 2,040,000 | $ 0 |
| Baltimore County Maryland | 4 | $ 12,441,000 | $ 3,110,000 | $ 0 |
| Camden County New Jersey | 4 | $ 2,328,000 | $ 582,000 | $ 20,000 |
| Mercer County New Jersey | 4 | $ 2,485,000 | $ 621,000 | $ 59,000 |
| Orange County New York | 4 | $ 696,000 | $ 174,000 | $ 99,000 |
| Rockland County New York | 4 | $ 11,030,000 | $ 2,757,000 | $ 60,000 |
| Fairfield County Connecticut | 3 | $ 3,300,000 | $ 1,100,000 | $ 0 |
| Hartford County Connecticut | 3 | $ 7,104,000 | $ 2,368,000 | $ 0 |
| Orange County Florida | 3 | $ 26,600,000 | $ 8,866,000 | $ 0 |
| Greene County New York | 3 | $ 271,000 | $ 90,000 | $ 78,000 |
| Berks County Pennsylvania | 3 | $ 24,300,000 | $ 8,100,000 | $ 0 |
| Delaware County Pennsylvania | 3 | $ 4,521,000 | $ 1,507,000 | $ 0 |
| Lehigh County Pennsylvania | 3 | $ 18,688,000 | $ 6,229,000 | $ 0 |
| Montgomery County Pennsylvania | 3 | $ 7,588,000 | $ 2,529,000 | $ 0 |
| Martin County Florida | 2 | $ 3,000,000 | $ 1,500,000 | $ 0 |
| Pinellas County Florida | 2 | $ 7,000,000 | $ 3,500,000 | $ 0 |
| Polk County Florida | 2 | $ 3,491,000 | $ 1,745,000 | $ 0 |
| St. Lucie County Florida | 2 | $ 2,865,000 | $ 1,432,000 | $ 0 |
| Atlantic County New Jersey | 2 | $ 385,000 | $ 192,000 | $ 126,000 |
| Burlington County New Jersey | 2 | $ 254,000 | $ 127,000 | $ 50,000 |
| Cape May County New Jersey | 2 | $ 383,000 | $ 191,000 | $ 107,000 |
| Hunterdon County New Jersey | 2 | $ 248,000 | $ 124,000 | $ 66,000 |
| Dutchess County New York | 2 | $ 403,000 | $ 201,000 | $ 59,000 |
| Northampton County Pennsylvania | 2 | $ 12,200,000 | $ 6,100,000 | $ 0 |
| Mobile County Alabama | 1 | $ 1,750,000 | $ 1,750,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| New London County Connecticut | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Brevard County Florida | 1 | $ 6,400,000 | $ 6,400,000 | $ 0 |
| Clay County Florida | 1 | $ 4,750,000 | $ 4,750,000 | $ 0 |
| Collier County Florida | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Duval County Florida | 1 | $ 2,575,000 | $ 2,575,000 | $ 0 |
| Leon County Florida | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Marion County Florida | 1 | $ 3,400,000 | $ 3,400,000 | $ 0 |
| Volusia County Florida | 1 | $ 1,920,000 | $ 1,920,000 | $ 0 |
| Howard County Maryland | 1 | $ 12,700,000 | $ 12,700,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 1,320,000 | $ 1,320,000 | $ 0 |
| Broome County New York | 1 | $ 64,000 | $ 64,000 | $ 37,000 |
| Columbia County New York | 1 | $ 279,000 | $ 279,000 | $ 177,000 |
| Delaware County New York | 1 | $ 180,000 | $ 180,000 | $ 69,000 |
| Otsego County New York | 1 | $ 109,000 | $ 109,000 | $ 124,000 |
| Sullivan County New York | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Tompkins County New York | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Ulster County New York | 1 | $ 180,000 | $ 180,000 | $ 167,000 |
| Bucks County Pennsylvania | 1 | $ 7,156,000 | $ 7,156,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 2,960,000 | $ 2,960,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 10,800,000 | $ 10,800,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 6,000,000 | $ 6,000,000 | $ 0 |
| York County Pennsylvania | 1 | $ 3,520,000 | $ 3,520,000 | $ 0 |
| Windham County Vermont | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Fauquier County Virginia | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 7,600,000 | $ 7,600,000 | $ 0 |
Mortgage Loan Application Detail Totals for Independence Community Bank 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,426 | $1,261,841,000 | $3,126,000 | $95,000,000 | $16,777 | $1,359,000 |
| Home Purchase | 697 | $575,158,000 | $2,134,000 | $60,650,000 | $19,000 | $398,000 |
| Home Improvement | 640 | $50,474,000 | $146,750 | $3,500,000 | $57,500 | $560,000 |
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 | 1,160 | $153,465,000 | $96,333 | $622,000 | $82,000 | $691,000 |
| Not applicable | 630 | $1,600,463,000 | $3,278,777 | $95,000,000 | $1,000 | $124,000 |
| Not Provided | 439 | $59,841,000 | $136,000 | $840,000 | $105,000 | $1,359,000 |
| Hispanic | 255 | $35,740,000 | $140,000 | $560,000 | $76,500 | $214,000 |
| Black or African American | 152 | $19,945,000 | $132,000 | $811,000 | $76,000 | $236,000 |
| Asian | 122 | $17,225,000 | $141,000 | $439,000 | $81,000 | $783,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $532,000 | $231,500 | $395,000 | $60,500 | $71,000 |
| American Indian or Alaskan Native | 2 | $262,000 | $131,000 | $192,000 | $70,500 | $71,000 |
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) | 2,763 | $1,887,473,000 | $2,659,600 | $95,000,000 | $21,700 | $1,359,000 |
| 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 | 1,870 | $1,058,469,000 | $2,594,444 | $20,000,000 | $16,888 | $1,359,000 |
| Application Denied By Financial Institution | 532 | $424,472,000 | $2,683,714 | $95,000,000 | $29,714 | $560,000 |
| Application Approved But Not Accepted | 194 | $272,017,000 | $3,159,142 | $60,650,000 | $21,142 | $691,000 |
| Application Withdrawn By Applicant | 133 | $124,601,000 | $2,331,400 | $27,000,000 | $26,000 | $390,000 |
| File Closed For Incompleteness | 34 | $7,914,000 | $182,000 | $750,000 | $66,000 | $195,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Independence Community Bank'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 Independence Community 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.