Lakeland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Lakeland Bank 2022 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 | Lakeland Bank 250 Oak Ridge Rd Newfoundland, NJ 07438 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,387 |
| Total Mortgage Loan Application Amount | $1,661,425,000 |
| Average Mortgage Loan Application Amount | $424,200 |
| Highest Mortgage Loan Application Amount | $58,505,000 |
| Average Applicant Income | $179,400 |
| Highest Applicant Income | $3,853,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Lakeland 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 Lakeland Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Lakeland 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 Lakeland Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Lakeland 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 Lakeland Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ocean County New Jersey | 533 | $ 200,985,000 | $ 377,000 | $ 148,000 |
| Sussex County New Jersey | 443 | $ 119,385,000 | $ 269,000 | $ 130,000 |
| Morris County New Jersey | 373 | $ 91,385,000 | $ 245,000 | $ 169,000 |
| Bergen County New Jersey | 331 | $ 115,455,000 | $ 348,000 | $ 193,000 |
| Passaic County New Jersey | 303 | $ 61,795,000 | $ 203,000 | $ 150,000 |
| Essex County New Jersey | 231 | $ 124,305,000 | $ 538,000 | $ 204,000 |
| Monmouth County New Jersey | 224 | $ 142,390,000 | $ 635,000 | $ 243,000 |
| Middlesex County New Jersey | 200 | $ 81,460,000 | $ 407,000 | $ 125,000 |
| Somerset County New Jersey | 146 | $ 66,800,000 | $ 457,000 | $ 195,000 |
| Union County New Jersey | 117 | $ 55,995,000 | $ 478,000 | $ 181,000 |
| Hudson County New Jersey | 88 | $ 140,460,000 | $ 1,596,000 | $ 263,000 |
| Mercer County New Jersey | 60 | $ 76,080,000 | $ 1,268,000 | $ 153,000 |
| Warren County New Jersey | 45 | $ 31,365,000 | $ 697,000 | $ 138,000 |
| Orange County New York | 43 | $ 40,145,000 | $ 933,000 | $ 193,000 |
| Hunterdon County New Jersey | 25 | $ 11,175,000 | $ 447,000 | $ 189,000 |
| Rockland County New York | 23 | $ 6,295,000 | $ 273,000 | $ 176,000 |
| Burlington County New Jersey | 15 | $ 4,045,000 | $ 269,000 | $ 139,000 |
| Pike County Pennsylvania | 14 | $ 7,800,000 | $ 557,000 | $ 136,000 |
| Camden County New Jersey | 12 | $ 22,000,000 | $ 1,833,000 | $ 109,000 |
| Westchester County New York | 9 | $ 2,065,000 | $ 229,000 | $ 271,000 |
| Atlantic County New Jersey | 8 | $ 2,660,000 | $ 332,000 | $ 155,000 |
| Kings County New York | 7 | $ 7,015,000 | $ 1,002,000 | $ 157,000 |
| Cape May County New Jersey | 6 | $ 7,540,000 | $ 1,256,000 | $ 399,000 |
| Gloucester County New Jersey | 6 | $ 4,870,000 | $ 811,000 | $ 142,000 |
| Suffolk County New York | 6 | $ 5,660,000 | $ 943,000 | $ 189,000 |
| Monroe County Pennsylvania | 6 | $ 1,010,000 | $ 168,000 | $ 193,000 |
| Hillsborough County Florida | 5 | $ 1,545,000 | $ 309,000 | $ 107,000 |
| Palm Beach County Florida | 5 | $ 3,385,000 | $ 677,000 | $ 498,000 |
| Sarasota County Florida | 5 | $ 1,135,000 | $ 227,000 | $ 153,000 |
| Philadelphia County Pennsylvania | 5 | $ 12,035,000 | $ 2,407,000 | $ 222,000 |
| Lee County Florida | 3 | $ 925,000 | $ 308,000 | $ 168,000 |
| Dutchess County New York | 3 | $ 14,895,000 | $ 4,965,000 | $ 38,000 |
| Greene County New York | 3 | $ 2,375,000 | $ 791,000 | $ 671,000 |
| Montgomery County Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 379,000 |
| Northampton County Pennsylvania | 3 | $ 4,875,000 | $ 1,625,000 | $ 85,000 |
| Horry County South Carolina | 3 | $ 1,365,000 | $ 455,000 | $ 291,000 |
| Broward County Florida | 2 | $ 970,000 | $ 485,000 | $ 285,000 |
| Manatee County Florida | 2 | $ 560,000 | $ 280,000 | $ 404,000 |
| Miami-Dade County Florida | 2 | $ 540,000 | $ 270,000 | $ 366,000 |
| Bronx County New York | 2 | $ 1,630,000 | $ 815,000 | $ 0 |
| New York County New York | 2 | $ 980,000 | $ 490,000 | $ 702,000 |
| Richmond County New York | 2 | $ 1,860,000 | $ 930,000 | $ 188,000 |
| Sullivan County New York | 2 | $ 1,250,000 | $ 625,000 | $ 1,453,000 |
| Bucks County Pennsylvania | 2 | $ 630,000 | $ 315,000 | $ 95,000 |
| New Castle County Delaware | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Collier County Florida | 1 | $ 555,000 | $ 555,000 | $ 243,000 |
| Indian River County Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 380,000 |
| Monroe County Florida | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Pinellas County Florida | 1 | $ 15,705,000 | $ 15,705,000 | $ 0 |
| Polk County Florida | 1 | $ 25,000 | $ 25,000 | $ 186,000 |
| Seminole County Florida | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Volusia County Florida | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| Wakulla County Florida | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Chatham County Georgia | 1 | $ 635,000 | $ 635,000 | $ 444,000 |
| Fulton County Georgia | 1 | $ 395,000 | $ 395,000 | $ 136,000 |
| Gwinnett County Georgia | 1 | $ 565,000 | $ 565,000 | $ 147,000 |
| Prince George's County Maryland | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Worcester County Maryland | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 21,115,000 | $ 21,115,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Albany County New York | 1 | $ 38,855,000 | $ 38,855,000 | $ 0 |
| Chautauqua County New York | 1 | $ 15,000 | $ 15,000 | $ 2,000 |
| Herkimer County New York | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Nassau County New York | 1 | $ 3,905,000 | $ 3,905,000 | $ 0 |
| Putnam County New York | 1 | $ 555,000 | $ 555,000 | $ 276,000 |
| Queens County New York | 1 | $ 1,695,000 | $ 1,695,000 | $ 57,000 |
| Schenectady County New York | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Schuyler County New York | 1 | $ 5,405,000 | $ 5,405,000 | $ 0 |
| Ulster County New York | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 177,000 |
| Halifax County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 145,000 |
| Union County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Lucas County Ohio | 1 | $ 7,535,000 | $ 7,535,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 34,725,000 | $ 34,725,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Delaware County Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 209,000 |
| Lackawanna County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 256,000 |
| Lancaster County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 279,000 |
| Lehigh County Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 94,000 |
| Tioga County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 197,000 |
| York County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 125,000 |
| Bennington County Vermont | 1 | $ 235,000 | $ 235,000 | $ 1,032,000 |
| Windham County Vermont | 1 | $ 455,000 | $ 455,000 | $ 503,000 |
| Powhatan County Virginia | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Prince William County Virginia | 1 | $ 31,255,000 | $ 31,255,000 | $ 0 |
| Staunton County Virginia | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Berkeley County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Barron County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Lakeland Bank in 2022
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 | 1,242 | $975,330,000 | $785,000 | $58,505,000 | $159,000 | $3,853,000 |
| Home Improvement | 955 | $164,655,000 | $172,000 | $34,505,000 | $172,000 | $2,400,000 |
| Refinancing | 685 | $421,225,000 | $614,000 | $42,005,000 | $177,000 | $2,148,000 |
| Other Purpose | 381 | $47,275,000 | $124,000 | $755,000 | $184,000 | $1,800,000 |
| Cash-out Refinancing | 124 | $52,940,000 | $426,000 | $1,595,000 | $205,000 | $2,010,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,222 | $542,620,000 | $244,000 | $2,005,000 | $176,000 | $3,853,000 |
| Not Provided | 388 | $102,120,000 | $263,000 | $1,855,000 | $185,000 | $828,000 |
| Hispanic | 277 | $73,495,000 | $265,000 | $1,185,000 | $111,000 | $517,000 |
| Not applicable | 223 | $853,295,000 | $3,826,000 | $58,505,000 | $0 | $0 |
| Black or African American | 123 | $39,705,000 | $322,000 | $1,695,000 | $139,000 | $1,800,000 |
| Asian | 109 | $36,935,000 | $338,000 | $1,305,000 | $200,000 | $1,380,000 |
| American Indian or Alaskan Native | 8 | $1,540,000 | $192,000 | $505,000 | $172,000 | $434,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $505,000 | $505,000 | $505,000 | $764,000 | $764,000 |
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) | 3,352 | $1,649,870,000 | $492,000 | $58,505,000 | $172,000 | $3,853,000 |
| FHA-insured (Federal Housing Administration) | 34 | $11,060,000 | $325,000 | $605,000 | $95,000 | $255,000 |
| VA-guaranteed (Veterans Administration) | 1 | $495,000 | $495,000 | $495,000 | $175,000 | $175,000 |
| 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 | 2,246 | $1,210,650,000 | $539,000 | $58,505,000 | $183,000 | $2,010,000 |
| Application Denied By Financial Institution | 657 | $119,295,000 | $181,000 | $1,505,000 | $136,000 | $2,400,000 |
| Application Withdrawn By Applicant | 281 | $184,325,000 | $655,000 | $28,555,000 | $154,000 | $2,148,000 |
| Application Approved But Not Accepted | 97 | $67,625,000 | $697,000 | $18,005,000 | $207,000 | $3,853,000 |
| File Closed For Incompleteness | 91 | $71,375,000 | $784,000 | $34,505,000 | $176,000 | $720,000 |
| Preapproval Approved but not Accepted | 13 | $7,215,000 | $555,000 | $1,505,000 | $148,000 | $384,000 |
| Preapproval Denied by Financial Institution | 2 | $940,000 | $470,000 | $575,000 | $137,000 | $230,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,728 | $1,541,190,000 | $564,000 | $58,505,000 | $180,000 | $3,853,000 |
| Debt-To-Income Ratio | 291 | $56,815,000 | $195,000 | $1,005,000 | $93,000 | $498,000 |
| Collateral | 176 | $29,110,000 | $165,000 | $905,000 | $186,000 | $1,380,000 |
| Credit History | 146 | $21,400,000 | $146,000 | $1,505,000 | $151,000 | $2,400,000 |
| Other | 38 | $9,940,000 | $261,000 | $1,205,000 | $161,000 | $600,000 |
| Unverifiable Information | 5 | $2,545,000 | $509,000 | $1,305,000 | $231,000 | $412,000 |
| Employment History | 2 | $280,000 | $140,000 | $245,000 | $91,000 | $142,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| 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 Lakeland Bank's 2022 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 Lakeland 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.