Independence Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Independence Community Bank 2005 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 | 2,904 |
| Total Mortgage Loan Application Amount | $2,241,537,000 |
| Average Mortgage Loan Application Amount | $3,824,409 |
| Highest Mortgage Loan Application Amount | $80,000,000 |
| Average Applicant Income | $29,954 |
| Highest Applicant Income | $3,370,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Richmond County New York | 648 | $ 69,140,000 | $ 106,000 | $ 97,000 |
| Kings County New York | 368 | $ 176,680,000 | $ 480,000 | $ 84,000 |
| Union County New Jersey | 227 | $ 38,643,000 | $ 170,000 | $ 84,000 |
| Queens County New York | 221 | $ 77,744,000 | $ 351,000 | $ 74,000 |
| Essex County New Jersey | 175 | $ 43,906,000 | $ 250,000 | $ 82,000 |
| Hudson County New Jersey | 158 | $ 31,583,000 | $ 199,000 | $ 78,000 |
| Middlesex County New Jersey | 144 | $ 103,694,000 | $ 720,000 | $ 80,000 |
| New York County New York | 135 | $ 238,760,000 | $ 1,768,000 | $ 166,000 |
| Nassau County New York | 110 | $ 31,856,000 | $ 289,000 | $ 120,000 |
| Ocean County New Jersey | 87 | $ 39,299,000 | $ 451,000 | $ 106,000 |
| Monmouth County New Jersey | 83 | $ 38,901,000 | $ 468,000 | $ 98,000 |
| Bronx County New York | 82 | $ 88,171,000 | $ 1,075,000 | $ 44,000 |
| Bergen County New Jersey | 72 | $ 54,871,000 | $ 762,000 | $ 108,000 |
| Cook County Illinois | 25 | $ 53,545,000 | $ 2,141,000 | $ 0 |
| Westchester County New York | 25 | $ 18,178,000 | $ 727,000 | $ 93,000 |
| Passaic County New Jersey | 22 | $ 8,998,000 | $ 409,000 | $ 55,000 |
| Suffolk County New York | 22 | $ 3,460,000 | $ 157,000 | $ 118,000 |
| Miami-Dade County Florida | 21 | $ 107,225,000 | $ 5,105,000 | $ 0 |
| Morris County New Jersey | 21 | $ 16,147,000 | $ 768,000 | $ 118,000 |
| Hillsborough County Florida | 20 | $ 92,421,000 | $ 4,621,000 | $ 0 |
| Somerset County New Jersey | 20 | $ 5,921,000 | $ 296,000 | $ 109,000 |
| Broward County Florida | 11 | $ 26,369,000 | $ 2,397,000 | $ 18,000 |
| Baltimore City County Maryland | 11 | $ 39,770,000 | $ 3,615,000 | $ 0 |
| Philadelphia County Pennsylvania | 11 | $ 76,660,000 | $ 6,969,000 | $ 0 |
| Pinellas County Florida | 10 | $ 94,180,000 | $ 9,418,000 | $ 0 |
| Rockland County New York | 10 | $ 1,268,000 | $ 126,000 | $ 159,000 |
| District of Columbia County District Of Columbia | 8 | $ 21,532,000 | $ 2,691,000 | $ 0 |
| Lee County Florida | 8 | $ 22,058,000 | $ 2,757,000 | $ 55,000 |
| Burlington County New Jersey | 8 | $ 11,438,000 | $ 1,429,000 | $ 94,000 |
| Camden County New Jersey | 8 | $ 15,312,000 | $ 1,914,000 | $ 58,000 |
| Brevard County Florida | 6 | $ 30,015,000 | $ 5,002,000 | $ 0 |
| Delaware County Pennsylvania | 6 | $ 14,460,000 | $ 2,410,000 | $ 0 |
| Orange County Florida | 5 | $ 35,450,000 | $ 7,090,000 | $ 0 |
| Sussex County New Jersey | 5 | $ 829,000 | $ 165,000 | $ 133,000 |
| Bucks County Pennsylvania | 5 | $ 35,920,000 | $ 7,184,000 | $ 0 |
| Hartford County Connecticut | 4 | $ 4,680,000 | $ 1,170,000 | $ 0 |
| New Haven County Connecticut | 4 | $ 2,119,000 | $ 529,000 | $ 0 |
| Leon County Florida | 4 | $ 3,780,000 | $ 945,000 | $ 0 |
| Polk County Florida | 4 | $ 18,111,000 | $ 4,527,000 | $ 11,000 |
| Montgomery County Maryland | 4 | $ 63,700,000 | $ 15,925,000 | $ 0 |
| Prince George's County Maryland | 4 | $ 19,881,000 | $ 4,970,000 | $ 0 |
| Gloucester County New Jersey | 4 | $ 22,145,000 | $ 5,536,000 | $ 15,000 |
| Mercer County New Jersey | 4 | $ 4,410,000 | $ 1,102,000 | $ 43,000 |
| Orange County New York | 4 | $ 445,000 | $ 111,000 | $ 62,000 |
| Lancaster County Pennsylvania | 4 | $ 8,395,000 | $ 2,098,000 | $ 0 |
| Lehigh County Pennsylvania | 4 | $ 11,960,000 | $ 2,990,000 | $ 0 |
| Palm Beach County Florida | 3 | $ 10,490,000 | $ 3,496,000 | $ 0 |
| Columbia County New York | 3 | $ 296,000 | $ 98,000 | $ 147,000 |
| Middlesex County Connecticut | 2 | $ 2,260,000 | $ 1,130,000 | $ 0 |
| New Castle County Delaware | 2 | $ 43,000,000 | $ 21,500,000 | $ 0 |
| Duval County Florida | 2 | $ 6,080,000 | $ 3,040,000 | $ 0 |
| Manatee County Florida | 2 | $ 19,575,000 | $ 9,787,000 | $ 0 |
| Pasco County Florida | 2 | $ 25,625,000 | $ 12,812,000 | $ 0 |
| Seminole County Florida | 2 | $ 3,400,000 | $ 1,700,000 | $ 0 |
| Baltimore County Maryland | 2 | $ 48,500,000 | $ 24,250,000 | $ 0 |
| Harford County Maryland | 2 | $ 13,550,000 | $ 6,775,000 | $ 0 |
| Howard County Maryland | 2 | $ 19,600,000 | $ 9,800,000 | $ 0 |
| Atlantic County New Jersey | 2 | $ 1,900,000 | $ 950,000 | $ 30,000 |
| Cumberland County New Jersey | 2 | $ 9,375,000 | $ 4,687,000 | $ 0 |
| Warren County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 149,000 |
| Dutchess County New York | 2 | $ 78,000 | $ 39,000 | $ 55,000 |
| Oneida County New York | 2 | $ 106,000 | $ 53,000 | $ 47,000 |
| Chester County Pennsylvania | 2 | $ 5,760,000 | $ 2,880,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 37,825,000 | $ 18,912,000 | $ 0 |
| Arlington County Virginia | 2 | $ 5,500,000 | $ 2,750,000 | $ 0 |
| Fredericksburg County Virginia | 2 | $ 15,680,000 | $ 7,840,000 | $ 0 |
| Clay County Florida | 1 | $ 2,600,000 | $ 2,600,000 | $ 0 |
| Escambia County Florida | 1 | $ 1,925,000 | $ 1,925,000 | $ 0 |
| Lake County Florida | 1 | $ 1,760,000 | $ 1,760,000 | $ 0 |
| Martin County Florida | 1 | $ 4,475,000 | $ 4,475,000 | $ 0 |
| Nassau County Florida | 1 | $ 440,000 | $ 440,000 | $ 559,000 |
| Osceola County Florida | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| St. Johns County Florida | 1 | $ 118,000 | $ 118,000 | $ 155,000 |
| Lake County Illinois | 1 | $ 4,200,000 | $ 4,200,000 | $ 0 |
| McHenry County Illinois | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Frederick County Maryland | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| Wicomico County Maryland | 1 | $ 5,365,000 | $ 5,365,000 | $ 0 |
| Hunterdon County New Jersey | 1 | $ 90,000 | $ 90,000 | $ 127,000 |
| Putnam County New York | 1 | $ 359,000 | $ 359,000 | $ 120,000 |
| Ulster County New York | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Washington County New York | 1 | $ 108,000 | $ 108,000 | $ 93,000 |
| Luzerne County Pennsylvania | 1 | $ 5,500,000 | $ 5,500,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| York County Pennsylvania | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Colonial Heights County Virginia | 1 | $ 3,864,000 | $ 3,864,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
Mortgage Loan Application Detail Totals for Independence Community Bank in 2005
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 | 1,220 | $1,265,749,000 | $5,361,500 | $80,000,000 | $17,200 | $1,300,000 |
| Home Improvement | 1,102 | $80,076,000 | $88,000 | $750,000 | $84,000 | $710,000 |
| Home Purchase | 582 | $895,712,000 | $3,362,000 | $25,600,000 | $26,111 | $3,370,000 |
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 | 1,457 | $163,546,000 | $186,000 | $800,000 | $166,750 | $1,300,000 |
| Not applicable | 605 | $1,974,752,000 | $5,617,000 | $80,000,000 | $0 | $0 |
| Hispanic | 315 | $34,872,000 | $125,666 | $533,000 | $86,000 | $710,000 |
| Not Provided | 194 | $31,681,000 | $145,333 | $3,000,000 | $137,666 | $3,370,000 |
| Black or African American | 159 | $16,493,000 | $102,000 | $500,000 | $80,500 | $280,000 |
| Asian | 135 | $16,382,000 | $120,000 | $606,000 | $97,500 | $575,000 |
| American Indian or Alaskan Native | 26 | $2,391,000 | $91,500 | $300,000 | $108,000 | $605,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,420,000 | $111,000 | $300,000 | $112,000 | $427,000 |
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) | 2,904 | $2,241,537,000 | $5,095,600 | $80,000,000 | $20,500 | $3,370,000 |
| 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 | 1,736 | $1,661,778,000 | $5,388,800 | $80,000,000 | $23,200 | $3,370,000 |
| Application Denied By Financial Institution | 737 | $308,046,000 | $4,007,888 | $22,000,000 | $17,111 | $900,000 |
| Application Approved But Not Accepted | 315 | $167,253,000 | $1,532,285 | $14,000,000 | $25,285 | $603,000 |
| Application Withdrawn By Applicant | 74 | $95,967,000 | $5,423,600 | $22,200,000 | $35,800 | $654,000 |
| File Closed For Incompleteness | 42 | $8,493,000 | $182,333 | $738,000 | $103,666 | $324,000 |
| 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 2005 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.