Isn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Isn 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 | Isn Bank 457 Haddonfield Road Cherry Hill, NJ 08002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 139 |
| Total Mortgage Loan Application Amount | $29,471,000 |
| Average Mortgage Loan Application Amount | $225,031 |
| Highest Mortgage Loan Application Amount | $1,330,000 |
| Average Applicant Income | $135,968 |
| Highest Applicant Income | $7,780,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Isn 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 Isn Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Isn 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 Isn Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Isn 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 Isn 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 |
|---|---|---|---|---|
| Camden County New Jersey | 9 | $ 1,197,000 | $ 133,000 | $ 1,105,000 |
| Onondaga County New York | 9 | $ 874,000 | $ 97,000 | $ 63,000 |
| Philadelphia County Pennsylvania | 7 | $ 2,916,000 | $ 416,000 | $ 78,000 |
| Warren County New Jersey | 6 | $ 454,000 | $ 75,000 | $ 57,000 |
| Madison County New York | 6 | $ 549,000 | $ 91,000 | $ 46,000 |
| Oswego County New York | 6 | $ 379,000 | $ 63,000 | $ 39,000 |
| Gloucester County New Jersey | 5 | $ 381,000 | $ 76,000 | $ 57,000 |
| Maricopa County Arizona | 4 | $ 642,000 | $ 160,000 | $ 56,000 |
| Suffolk County New York | 4 | $ 2,480,000 | $ 620,000 | $ 273,000 |
| Fairfield County Connecticut | 3 | $ 687,000 | $ 229,000 | $ 105,000 |
| District of Columbia County District Of Columbia | 3 | $ 954,000 | $ 318,000 | $ 112,000 |
| Fulton County Georgia | 3 | $ 533,000 | $ 177,000 | $ 164,000 |
| Burlington County New Jersey | 3 | $ 240,000 | $ 80,000 | $ 54,000 |
| Northampton County Pennsylvania | 3 | $ 301,000 | $ 100,000 | $ 106,000 |
| Prince William County Virginia | 3 | $ 688,000 | $ 229,000 | $ 86,000 |
| Palm Beach County Florida | 2 | $ 510,000 | $ 255,000 | $ 582,000 |
| Clark County Nevada | 2 | $ 227,000 | $ 113,000 | $ 41,000 |
| Atlantic County New Jersey | 2 | $ 513,000 | $ 256,000 | $ 157,000 |
| Essex County New Jersey | 2 | $ 358,000 | $ 179,000 | $ 14,000 |
| Middlesex County New Jersey | 2 | $ 560,000 | $ 280,000 | $ 43,000 |
| Ocean County New Jersey | 2 | $ 214,000 | $ 107,000 | $ 53,000 |
| Nassau County New York | 2 | $ 1,233,000 | $ 616,000 | $ 420,000 |
| Queens County New York | 2 | $ 765,000 | $ 382,000 | $ 147,000 |
| Westchester County New York | 2 | $ 980,000 | $ 490,000 | $ 230,000 |
| Carbon County Pennsylvania | 2 | $ 371,000 | $ 185,000 | $ 77,000 |
| Monroe County Pennsylvania | 2 | $ 325,000 | $ 162,000 | $ 48,000 |
| Montgomery County Pennsylvania | 2 | $ 1,250,000 | $ 625,000 | $ 1,655,000 |
| Fairfax County Virginia | 2 | $ 429,000 | $ 214,000 | $ 50,000 |
| Manassas County Virginia | 2 | $ 320,000 | $ 160,000 | $ 114,000 |
| Stafford County Virginia | 2 | $ 288,000 | $ 144,000 | $ 66,000 |
| Mohave County Arizona | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| San Francisco County California | 1 | $ 475,000 | $ 475,000 | $ 183,000 |
| Santa Clara County California | 1 | $ 497,000 | $ 497,000 | $ 102,000 |
| Ventura County California | 1 | $ 496,000 | $ 496,000 | $ 159,000 |
| Kent County Delaware | 1 | $ 270,000 | $ 270,000 | $ 120,000 |
| Sussex County Delaware | 1 | $ 270,000 | $ 270,000 | $ 78,000 |
| Alachua County Florida | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| Miami-Dade County Florida | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Orange County Florida | 1 | $ 117,000 | $ 117,000 | $ 99,000 |
| St. Lucie County Florida | 1 | $ 333,000 | $ 333,000 | $ 60,000 |
| Honolulu County Hawaii | 1 | $ 253,000 | $ 253,000 | $ 111,000 |
| Morgan County Illinois | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Orleans County Louisiana | 1 | $ 133,000 | $ 133,000 | $ 26,000 |
| Montgomery County Maryland | 1 | $ 400,000 | $ 400,000 | $ 103,000 |
| Prince George's County Maryland | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Berkshire County Massachusetts | 1 | $ 78,000 | $ 78,000 | $ 24,000 |
| Jackson County Missouri | 1 | $ 113,000 | $ 113,000 | $ 57,000 |
| Bergen County New Jersey | 1 | $ 845,000 | $ 845,000 | $ 216,000 |
| Cumberland County New Jersey | 1 | $ 81,000 | $ 81,000 | $ 61,000 |
| Hudson County New Jersey | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Morris County New Jersey | 1 | $ 226,000 | $ 226,000 | $ 89,000 |
| Cayuga County New York | 1 | $ 70,000 | $ 70,000 | $ 57,000 |
| Orange County New York | 1 | $ 206,000 | $ 206,000 | $ 66,000 |
| Richmond County New York | 1 | $ 277,000 | $ 277,000 | $ 53,000 |
| Franklin County Ohio | 1 | $ 250,000 | $ 250,000 | $ 127,000 |
| Seneca County Ohio | 1 | $ 79,000 | $ 79,000 | $ 43,000 |
| Cumberland County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Lackawanna County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Lehigh County Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 60,000 |
| Denton County Texas | 1 | $ 332,000 | $ 332,000 | $ 264,000 |
| Weber County Utah | 1 | $ 103,000 | $ 103,000 | $ 44,000 |
| Arlington County Virginia | 1 | $ 490,000 | $ 490,000 | $ 126,000 |
| Prince George County Virginia | 1 | $ 126,000 | $ 126,000 | $ 61,000 |
| Sussex County Virginia | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Isn 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 78 | $14,699,000 | $192,866 | $1,000,000 | $111,400 | $3,216,000 |
| Refinancing | 56 | $13,578,000 | $222,333 | $1,330,000 | $124,000 | $7,780,000 |
| Home Improvement | 5 | $1,194,000 | $486,500 | $900,000 | $410,000 | $693,000 |
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 | 71 | $14,299,000 | $245,785 | $1,330,000 | $89,857 | $586,000 |
| Not Provided | 28 | $5,669,000 | $184,300 | $1,000,000 | $188,200 | $3,216,000 |
| Black or African American | 17 | $3,467,000 | $222,222 | $500,000 | $102,000 | $264,000 |
| Asian | 12 | $3,184,000 | $314,142 | $845,000 | $101,000 | $216,000 |
| Hispanic | 8 | $1,540,000 | $166,666 | $408,000 | $88,333 | $582,000 |
| Not applicable | 3 | $1,312,000 | $437,333 | $900,000 | $2,833,333 | $7,780,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 139 | $29,471,000 | $204,523 | $1,330,000 | $115,095 | $7,780,000 |
| 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 | 109 | $23,623,000 | $224,789 | $1,330,000 | $137,473 | $7,780,000 |
| Application Withdrawn By Applicant | 17 | $2,873,000 | $169,333 | $348,000 | $79,111 | $149,000 |
| Application Denied By Financial Institution | 11 | $1,869,000 | $193,500 | $497,000 | $45,666 | $102,000 |
| Application Approved But Not Accepted | 1 | $206,000 | $206,000 | $206,000 | $66,000 | $66,000 |
| File Closed For Incompleteness | 1 | $900,000 | $900,000 | $900,000 | $693,000 | $693,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $216,000 | $216,000 | $216,000 | $82,000 | $82,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $36,000 | $36,000 |
| Collateral | 1 | $497,000 | $497,000 | $497,000 | $102,000 | $102,000 |
| Credit Application Incomplete | 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 Isn 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 Isn 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 Jersey, download the full spreadsheet
with aggregated HMDA statistics today.