Integrated Financial Group Inc Mortgage Lending & HMDA Data, 2012
In 2012, Integrated Financial Group Inc of Newtown, PA reported 3,282 mortgage applications totaling $766.2 million, up 1372% from 2011. The average application was for $233,450, and applicants reported an average income of $100,238. 56% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Philadelphia, PA (1,177), Edison-New Brunswick, NJ (244) and Newark-Union, NJ-PA (210) (applications in parentheses).
| Mortgage Company & Address | Integrated Financial Group Inc 121 Friends Lane, Suite 301 Newtown, PA 18940 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 3,282 |
| Total Mortgage Loan Application Amount | $766,185,000 |
| Average Mortgage Loan Application Amount | $233,450 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $100,238 |
| Highest Applicant Income | $1,387,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrated Financial Group Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Philadelphia, PA | 1,177 | $ 279,959,000 | $ 237,858 | $ 107,000 |
| Edison-New Brunswick, NJ | 244 | $ 66,382,000 | $ 272,057 | $ 108,000 |
| Newark-Union, NJ-PA | 210 | $ 56,994,000 | $ 271,400 | $ 109,642 |
| Camden, NJ | 178 | $ 34,180,000 | $ 192,022 | $ 80,000 |
| New York-White Plains-Wayne, NY-NJ | 151 | $ 42,805,000 | $ 283,476 | $ 104,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 125 | $ 25,721,000 | $ 205,768 | $ 90,840 |
| Baltimore-Towson, MD | 113 | $ 28,628,000 | $ 253,345 | $ 102,000 |
| Hartford-West Hartford-East Hartford, CT | 103 | $ 21,036,000 | $ 204,233 | $ 74,000 |
| Pittsburgh, PA | 99 | $ 19,131,000 | $ 193,242 | $ 90,000 |
| Harrisburg-Carlisle, PA | 83 | $ 16,028,000 | $ 193,108 | $ 95,000 |
| New Haven-Milford, CT | 63 | $ 13,379,000 | $ 212,365 | $ 82,000 |
| Wilmington, DE-MD-NJ | 60 | $ 13,698,000 | $ 228,300 | $ 87,833 |
| Lancaster, PA | 52 | $ 8,858,000 | $ 170,346 | $ 74,000 |
| Bethesda-Rockville-Frederick, MD | 50 | $ 15,140,000 | $ 302,800 | $ 107,000 |
| York-Hanover, PA | 50 | $ 8,735,000 | $ 174,700 | $ 84,000 |
| Trenton-Ewing, NJ | 49 | $ 11,384,000 | $ 232,326 | $ 103,000 |
| Reading, PA | 44 | $ 8,205,000 | $ 186,477 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 10,812,000 | $ 257,428 | $ 86,000 |
| Bridgeport-Stamford-Norwalk, CT | 38 | $ 11,492,000 | $ 302,421 | $ 104,000 |
| Ocean City, NJ | 33 | $ 9,665,000 | $ 292,878 | $ 156,000 |
| Atlantic City-Hammonton, NJ | 29 | $ 7,170,000 | $ 247,241 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 26 | $ 4,719,000 | $ 181,500 | $ 80,000 |
| Lebanon, PA | 15 | $ 2,699,000 | $ 179,933 | $ 65,000 |
| Norwich-New London, CT | 15 | $ 3,125,000 | $ 208,333 | $ 110,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 1,712,000 | $ 171,200 | $ 77,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 3,143,000 | $ 314,300 | $ 245,000 |
| Erie, PA | 9 | $ 1,245,000 | $ 138,333 | $ 65,000 |
| State College, PA | 6 | $ 1,396,000 | $ 232,666 | $ 98,000 |
| Williamsport, PA | 6 | $ 1,009,000 | $ 168,166 | $ 79,000 |
| Altoona, PA | 5 | $ 784,000 | $ 156,800 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 828,000 | $ 207,000 | $ 41,000 |
| Dover, DE | 3 | $ 454,000 | $ 151,333 | $ 26,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 556,000 | $ 185,333 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,293,000 | $ 431,000 | $ 142,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 464,000 | $ 232,000 | $ 238,000 |
| Johnstown, PA | 2 | $ 415,000 | $ 207,500 | $ 36,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 552,000 | $ 276,000 | $ 93,000 |
| Salisbury, MD | 2 | $ 460,000 | $ 230,000 | $ 72,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 286,000 | $ 286,000 | $ 167,000 |
| Naples-Marco Island, FL | 1 | $ 296,000 | $ 296,000 | $ 72,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 252,000 | $ 252,000 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 142,000 | $ 142,000 | $ 0 |
Mortgage Loan Application Detail Totals for Integrated Financial Group Inc in 2012
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 | 3,117 | $729,978,000 | $234,000 | $1,750,000 | $100,000 | $1,387,000 |
| Home Purchase | 162 | $35,558,000 | $219,000 | $900,000 | $106,000 | $1,079,000 |
| Home Improvement | 3 | $649,000 | $216,000 | $284,000 | $37,000 | $111,000 |
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 | 1,701 | $389,847,000 | $229,000 | $1,016,000 | $108,000 | $1,387,000 |
| Not Provided | 1,399 | $338,416,000 | $241,000 | $1,750,000 | $92,000 | $1,330,000 |
| Black or African American | 69 | $11,808,000 | $171,000 | $417,000 | $66,000 | $249,000 |
| Hispanic | 54 | $11,274,000 | $208,000 | $417,000 | $88,000 | $390,000 |
| Asian | 54 | $13,843,000 | $256,000 | $417,000 | $122,000 | $600,000 |
| American Indian or Alaskan Native | 3 | $721,000 | $240,000 | $256,000 | $106,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $276,000 | $138,000 | $180,000 | $97,000 | $150,000 |
| 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) | 2,453 | $585,241,000 | $238,000 | $1,750,000 | $117,000 | $1,387,000 |
| FHA-insured (Federal Housing Administration) | 818 | $178,746,000 | $218,000 | $683,000 | $49,000 | $410,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,000,000 | $200,000 | $286,000 | $50,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $198,000 | $198,000 | $198,000 | $47,000 | $47,000 |
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 | 1,822 | $426,969,000 | $234,000 | $1,750,000 | $99,000 | $1,387,000 |
| Application Withdrawn By Applicant | 1,105 | $262,118,000 | $237,000 | $1,016,000 | $106,000 | $1,079,000 |
| Application Denied By Financial Institution | 163 | $33,921,000 | $208,000 | $766,000 | $79,000 | $308,000 |
| Application Approved But Not Accepted | 144 | $31,265,000 | $217,000 | $577,000 | $92,000 | $576,000 |
| File Closed For Incompleteness | 48 | $11,912,000 | $248,000 | $455,000 | $106,000 | $350,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $351,000 | $175,000 | $202,000 | $85,000 | $133,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrated Financial Group Inc's 2012 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 Integrated Financial Group Inc'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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