Isb Mortgage Company, LLC Mortgage Lending & HMDA Data, 2010
In 2010, Isb Mortgage Company, LLC of Short Hills, NJ reported 4,415 mortgage applications totaling $1.7 billion, up 15% from 2009. The average application was for $379,228, and applicants reported an average income of $180,494. 61% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Newark-Union, NJ-PA (1,873), Edison-New Brunswick, NJ (1,161) and New York-White Plains-Wayne, NY-NJ (858) (applications in parentheses).
| Mortgage Company & Address | Isb Mortgage Company, LLC 101 Jfk Parkway Short Hills, NJ 07078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,415 |
| Total Mortgage Loan Application Amount | $1,674,293,000 |
| Average Mortgage Loan Application Amount | $379,228 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $180,494 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Isb Mortgage Company, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Morris, New Jersey | 650 | $ 248,319,000 | $ 382,029 | $ 185,000 |
| Essex, New Jersey | 584 | $ 209,444,000 | $ 358,636 | $ 180,000 |
| Union, New Jersey | 443 | $ 152,960,000 | $ 345,282 | $ 158,000 |
| Monmouth, New Jersey | 402 | $ 156,765,000 | $ 389,962 | $ 184,000 |
| Somerset, New Jersey | 298 | $ 105,285,000 | $ 353,305 | $ 163,000 |
| Bergen, New Jersey | 252 | $ 107,901,000 | $ 428,178 | $ 179,000 |
| Ocean, New Jersey | 244 | $ 75,431,000 | $ 309,143 | $ 165,000 |
| Hudson, New Jersey | 238 | $ 94,160,000 | $ 395,630 | $ 181,000 |
| Middlesex, New Jersey | 217 | $ 61,821,000 | $ 284,889 | $ 111,000 |
| Passaic, New Jersey | 130 | $ 40,259,000 | $ 309,684 | $ 163,000 |
| Hunterdon, New Jersey | 119 | $ 36,912,000 | $ 310,184 | $ 150,000 |
| Mercer, New Jersey | 100 | $ 39,781,000 | $ 397,810 | $ 211,000 |
| Warren, New Jersey | 90 | $ 21,656,000 | $ 240,622 | $ 103,000 |
| Kings, New York | 87 | $ 40,077,000 | $ 460,655 | $ 185,000 |
| New York, New York | 82 | $ 65,755,000 | $ 801,890 | $ 360,000 |
| Sussex, New Jersey | 70 | $ 19,060,000 | $ 272,285 | $ 120,000 |
| Bucks, Pennsylvania | 36 | $ 18,856,000 | $ 523,777 | $ 218,000 |
| Montgomery, Pennsylvania | 35 | $ 21,291,000 | $ 608,314 | $ 321,000 |
| Queens, New York | 34 | $ 11,477,000 | $ 337,558 | $ 56,000 |
| Nassau, New York | 27 | $ 14,499,000 | $ 537,000 | $ 197,000 |
| Burlington, New Jersey | 26 | $ 9,619,000 | $ 369,961 | $ 157,000 |
| Cape May, New Jersey | 23 | $ 11,242,000 | $ 488,782 | $ 183,000 |
| Chester, Pennsylvania | 22 | $ 12,823,000 | $ 582,863 | $ 227,000 |
| Atlantic, New Jersey | 21 | $ 13,942,000 | $ 663,904 | $ 1,015,000 |
| Suffolk, New York | 21 | $ 13,070,000 | $ 622,380 | $ 352,000 |
| Northampton, Pennsylvania | 17 | $ 5,663,000 | $ 333,117 | $ 208,000 |
| Camden, New Jersey | 16 | $ 5,718,000 | $ 357,375 | $ 212,000 |
| Westchester, New York | 16 | $ 11,610,000 | $ 725,625 | $ 327,000 |
| Philadelphia, Pennsylvania | 16 | $ 8,532,000 | $ 533,250 | $ 309,000 |
| Fairfield, Connecticut | 13 | $ 8,518,000 | $ 655,230 | $ 283,000 |
| Richmond, New York | 7 | $ 3,382,000 | $ 483,142 | $ 141,000 |
| Pike, Pennsylvania | 7 | $ 1,986,000 | $ 283,714 | $ 134,000 |
| Rockland, New York | 6 | $ 1,930,000 | $ 321,666 | $ 82,000 |
| Gloucester, New Jersey | 5 | $ 2,322,000 | $ 464,400 | $ 234,000 |
| Bronx, New York | 5 | $ 3,620,000 | $ 724,000 | $ 325,000 |
| Orange, New York | 5 | $ 1,179,000 | $ 235,800 | $ 86,000 |
| Mecklenburg, North Carolina | 5 | $ 1,068,000 | $ 213,600 | $ 89,000 |
| Delaware, Pennsylvania | 5 | $ 2,021,000 | $ 404,200 | $ 213,000 |
| Lehigh, Pennsylvania | 5 | $ 2,744,000 | $ 548,800 | $ 213,000 |
| Monroe, Pennsylvania | 4 | $ 579,000 | $ 144,750 | $ 72,000 |
| Hartford, Connecticut | 2 | $ 1,385,000 | $ 692,500 | $ 644,000 |
| Cumberland, New Jersey | 2 | $ 248,000 | $ 124,000 | $ 39,000 |
| Salem, New Jersey | 2 | $ 571,000 | $ 285,500 | $ 105,000 |
| Litchfield, Connecticut | 1 | $ 417,000 | $ 417,000 | $ 298,000 |
| Middlesex, Connecticut | 1 | $ 775,000 | $ 775,000 | $ 181,000 |
| New Haven, Connecticut | 1 | $ 272,000 | $ 272,000 | $ 86,000 |
| New Castle, Delaware | 1 | $ 280,000 | $ 280,000 | $ 68,000 |
| Sussex, Delaware | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Barnstable, Massachusetts | 1 | $ 410,000 | $ 410,000 | $ 309,000 |
| Dutchess, New York | 1 | $ 555,000 | $ 555,000 | $ 330,000 |
| Fulton, New York | 1 | $ 200,000 | $ 200,000 | $ 149,000 |
| Greene, New York | 1 | $ 350,000 | $ 350,000 | $ 220,000 |
| Madison, New York | 1 | $ 574,000 | $ 574,000 | $ 295,000 |
| Ontario, New York | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Putnam, New York | 1 | $ 890,000 | $ 890,000 | $ 200,000 |
| Brunswick, North Carolina | 1 | $ 79,000 | $ 79,000 | $ 19,000 |
| Columbus, North Carolina | 1 | $ 281,000 | $ 281,000 | $ 147,000 |
| Onslow, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 132,000 |
| Union, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 147,000 |
| Allegheny, Pennsylvania | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 78,000 | $ 78,000 | $ 205,000 |
| Carbon, Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 72,000 |
| Cumberland, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 110,000 |
| Franklin, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Wayne, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 235,000 |
Mortgage Loan Application Detail Totals for Isb Mortgage Company, LLC in 2010
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 | 2,585 | $1,037,329,000 | $401,000 | $3,000,000 | $194,000 | $9,999,000 |
| Home Purchase | 1,824 | $633,994,000 | $347,000 | $2,475,000 | $161,000 | $9,999,000 |
| Home Improvement | 6 | $2,970,000 | $495,000 | $750,000 | $288,000 | $578,000 |
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 | 2,961 | $1,107,002,000 | $373,000 | $3,000,000 | $175,000 | $4,020,000 |
| Not Provided | 928 | $391,672,000 | $422,000 | $2,470,000 | $218,000 | $9,999,000 |
| Asian | 259 | $103,909,000 | $401,000 | $2,000,000 | $165,000 | $3,250,000 |
| Hispanic | 155 | $45,371,000 | $292,000 | $1,463,000 | $135,000 | $1,490,000 |
| Black or African American | 100 | $23,822,000 | $238,000 | $725,000 | $92,000 | $765,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,394,000 | $199,000 | $450,000 | $105,000 | $368,000 |
| American Indian or Alaskan Native | 5 | $1,123,000 | $224,000 | $550,000 | $579,000 | $2,250,000 |
| 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) | 3,770 | $1,480,717,000 | $392,000 | $3,000,000 | $195,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 644 | $193,434,000 | $300,000 | $917,000 | $97,000 | $2,250,000 |
| VA-guaranteed (Veterans Administration) | 1 | $142,000 | $142,000 | $142,000 | $35,000 | $35,000 |
| 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 | 2,696 | $912,491,000 | $338,000 | $1,120,000 | $161,000 | $2,568,000 |
| Application Withdrawn By Applicant | 842 | $363,453,000 | $431,000 | $3,000,000 | $224,000 | $9,999,000 |
| Application Denied By Financial Institution | 601 | $279,582,000 | $465,000 | $2,250,000 | $208,000 | $9,999,000 |
| File Closed For Incompleteness | 163 | $77,799,000 | $477,000 | $1,950,000 | $186,000 | $1,433,000 |
| Application Approved But Not Accepted | 110 | $39,912,000 | $362,000 | $1,960,000 | $151,000 | $645,000 |
| Preapproval Approved but not Accepted | 3 | $1,056,000 | $352,000 | $640,000 | $172,000 | $388,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 Isb Mortgage Company, LLC's 2010 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 Isb Mortgage Company, 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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