Integrity Home Funding, LLC Mortgage Lending & HMDA Data, 2004
In 2004, Integrity Home Funding, LLC of Maywood, NJ reported 1,981 mortgage applications totaling $468.4 million, down 14% from 2003. The average application was for $236,438, and applicants reported an average income of $83,510. 66% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Newark-Union, NJ-PA (388), Edison, NJ (269) and New York-Wayne-White Plains, NY-NJ (96) (applications in parentheses).
| Mortgage Company & Address | Integrity Home Funding, LLC 197 W. Spring Valley Avenue Maywood, NJ 07607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,981 |
| Total Mortgage Loan Application Amount | $468,385,000 |
| Average Mortgage Loan Application Amount | $236,438 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $83,510 |
| Highest Applicant Income | $1,568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrity Home Funding, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 388 | $ 93,327,000 | $ 240,533 | $ 80,000 |
| Edison, NJ | 269 | $ 68,994,000 | $ 256,483 | $ 106,000 |
| New York-Wayne-White Plains, NY-NJ | 96 | $ 27,597,000 | $ 287,468 | $ 105,000 |
| Baltimore-Towson, MD | 94 | $ 19,379,000 | $ 206,159 | $ 63,000 |
| Camden, NJ | 71 | $ 11,902,000 | $ 167,633 | $ 76,000 |
| Nassau-Suffolk, NY | 69 | $ 16,547,000 | $ 239,811 | $ 87,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 37 | $ 6,616,000 | $ 178,810 | $ 89,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 35 | $ 8,243,000 | $ 235,514 | $ 71,000 |
| Trenton-Ewing, NJ | 34 | $ 5,188,000 | $ 152,588 | $ 87,000 |
| Philadelphia, PA | 32 | $ 5,226,000 | $ 163,312 | $ 68,000 |
| Atlantic City, NJ | 22 | $ 3,897,000 | $ 177,136 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 1,997,000 | $ 124,812 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 2,156,000 | $ 143,733 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 2,437,000 | $ 162,466 | $ 60,000 |
| Bethesda-Frederick-Gaithersburg, MD | 14 | $ 2,182,000 | $ 155,857 | $ 66,000 |
| Pittsburgh, PA | 13 | $ 1,639,000 | $ 126,076 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,457,000 | $ 204,750 | $ 103,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 3,430,000 | $ 285,833 | $ 206,000 |
| New Haven-Milford, CT | 10 | $ 1,792,000 | $ 179,200 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,032,000 | $ 225,777 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 1,129,000 | $ 141,125 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 968,000 | $ 121,000 | $ 74,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 2,915,000 | $ 416,428 | $ 129,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 1,147,000 | $ 163,857 | $ 80,000 |
| Ocean City, NJ | 7 | $ 2,199,000 | $ 314,142 | $ 145,000 |
| Orlando, FL | 7 | $ 1,421,000 | $ 203,000 | $ 53,000 |
| Kingston, NY | 6 | $ 980,000 | $ 163,333 | $ 61,000 |
| Naples-Marco Island, FL | 6 | $ 1,761,000 | $ 293,500 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 740,000 | $ 148,000 | $ 36,000 |
| Lancaster, PA | 5 | $ 650,000 | $ 130,000 | $ 76,000 |
| Reading, PA | 5 | $ 570,000 | $ 114,000 | $ 50,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 1,484,000 | $ 296,800 | $ 114,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 507,000 | $ 101,400 | $ 65,000 |
| Lakeland, FL | 4 | $ 607,000 | $ 151,750 | $ 80,000 |
| Norwich-New London, CT | 4 | $ 810,000 | $ 202,500 | $ 82,000 |
| Jacksonville, FL | 3 | $ 359,000 | $ 119,666 | $ 51,000 |
| Rochester, NY | 3 | $ 323,000 | $ 107,666 | $ 114,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 354,000 | $ 177,000 | $ 81,000 |
| Erie, PA | 2 | $ 194,000 | $ 97,000 | $ 29,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 198,000 | $ 99,000 | $ 36,000 |
| Salisbury, MD | 2 | $ 513,000 | $ 256,500 | $ 49,000 |
| Tallahassee, FL | 2 | $ 205,000 | $ 102,500 | $ 86,000 |
| York-Hanover, PA | 2 | $ 395,000 | $ 197,500 | $ 97,000 |
| Binghamton, NY | 1 | $ 150,000 | $ 150,000 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Glens Falls, NY | 1 | $ 270,000 | $ 270,000 | $ 128,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 203,000 | $ 203,000 | $ 50,000 |
| Lebanon, PA | 1 | $ 118,000 | $ 118,000 | $ 75,000 |
| Panama City-Lynn Haven, FL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| State College, PA | 1 | $ 227,000 | $ 227,000 | $ 96,000 |
| Syracuse, NY | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Utica-Rome, NY | 1 | $ 158,000 | $ 158,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Integrity Home Funding, LLC 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 | 1,225 | $283,158,000 | $207,000 | $1,625,000 | $77,000 | $1,568,000 |
| Home Purchase | 750 | $183,778,000 | $219,333 | $1,645,000 | $75,111 | $1,000,000 |
| Home Improvement | 6 | $1,449,000 | $206,500 | $600,000 | $96,000 | $297,000 |
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 | 1,425 | $340,578,000 | $219,111 | $1,500,000 | $74,777 | $1,568,000 |
| Hispanic | 239 | $58,415,000 | $226,333 | $1,625,000 | $85,166 | $912,000 |
| Black or African American | 210 | $38,224,000 | $175,285 | $950,000 | $70,000 | $570,000 |
| Asian | 62 | $21,261,000 | $234,000 | $1,645,000 | $77,250 | $540,000 |
| Not Provided | 40 | $8,846,000 | $196,600 | $704,000 | $75,400 | $261,000 |
| American Indian or Alaskan Native | 3 | $510,000 | $219,000 | $366,000 | $89,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $551,000 | $275,000 | $276,000 | $77,000 | $91,000 |
| 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) | 1,919 | $457,546,000 | $215,222 | $1,645,000 | $75,333 | $1,568,000 |
| FHA-insured (Federal Housing Administration) | 58 | $10,243,000 | $173,500 | $429,000 | $65,750 | $189,000 |
| VA-guaranteed (Veterans Administration) | 4 | $596,000 | $148,500 | $172,000 | $31,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,306 | $312,741,000 | $223,750 | $1,625,000 | $86,250 | $1,000,000 |
| Application Withdrawn By Applicant | 411 | $87,906,000 | $196,250 | $950,000 | $65,500 | $686,000 |
| Application Approved But Not Accepted | 144 | $40,049,000 | $224,800 | $1,645,000 | $72,600 | $1,568,000 |
| Application Denied By Financial Institution | 120 | $27,689,000 | $215,833 | $650,000 | $89,000 | $288,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 39 | $9,220,000 | $239,500 | $650,000 | $112,000 | $288,000 |
| Collateral | 31 | $7,558,000 | $236,200 | $477,000 | $93,400 | $240,000 |
| Credit History | 23 | $5,113,000 | $195,666 | $497,000 | $57,000 | $218,000 |
| Debt-To-Income Ratio | 11 | $1,943,000 | $153,000 | $373,000 | $104,000 | $136,000 |
| Other | 7 | $1,885,000 | $256,000 | $400,000 | $95,000 | $151,000 |
| Employment History | 5 | $1,120,000 | $224,000 | $320,000 | $75,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $850,000 | $213,000 | $238,000 | $74,500 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrity Home Funding, LLC'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 Integrity Home Funding, LLC'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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