Metropolitan Life Insurance Co Mortgage Lending & HMDA Data, 2019
In 2019, Metropolitan Life Insurance Co of Whippany, NJ reported 74 mortgage applications totaling $3.0 billion, up 9% from 2018. The average application was for $40,616,959, and applicants reported an average income of $0. 82% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (7), New York-Jersey City-White Plains, NY-NJ (6) and Houston-The Woodlands-Sugar Land, TX (5) (applications in parentheses).
| Mortgage Company & Address | Metropolitan Life Insurance Co One Metlife Way Whippany, NJ 07981 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2019 2018 2017 |
| Total Number of Mortgage Applications | 74 |
| Total Mortgage Loan Application Amount | $3,005,655,000 |
| Average Mortgage Loan Application Amount | $40,616,959 |
| Highest Mortgage Loan Application Amount | $82,005,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Metropolitan Life Insurance Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 353,785,000 | $ 50,540,714 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 295,825,000 | $ 49,304,166 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 179,185,000 | $ 35,837,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 67,210,000 | $ 13,442,000 | $ 0 |
| Dallas-Plano-Irving, TX | 4 | $ 134,100,000 | $ 33,525,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 4 | $ 161,115,000 | $ 40,278,750 | $ 0 |
| Boulder, CO | 3 | $ 149,015,000 | $ 49,671,666 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 129,035,000 | $ 43,011,666 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 149,775,000 | $ 49,925,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 3 | $ 167,515,000 | $ 55,838,333 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 134,335,000 | $ 44,778,333 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 81,010,000 | $ 40,505,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 73,830,000 | $ 36,915,000 | $ 0 |
| Chicago-Naperville, IL | 2 | $ 57,110,000 | $ 28,555,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 84,900,000 | $ 42,450,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 23,005,000 | $ 11,502,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 82,560,000 | $ 41,280,000 | $ 0 |
| Raleigh, NC | 2 | $ 76,260,000 | $ 38,130,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 72,410,000 | $ 36,205,000 | $ 0 |
| Fort Collins, CO | 1 | $ 65,005,000 | $ 65,005,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 50,005,000 | $ 50,005,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 30,005,000 | $ 30,005,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 54,305,000 | $ 54,305,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 28,005,000 | $ 28,005,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 42,105,000 | $ 42,105,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 40,005,000 | $ 40,005,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 60,005,000 | $ 60,005,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 41,005,000 | $ 41,005,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 44,225,000 | $ 44,225,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 0 | $ 0 | $ 0 |
| San Rafael, CA | 1 | $ 79,005,000 | $ 79,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for Metropolitan Life Insurance Co in 2019
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 | 41 | $1,670,515,000 | $45,149,000 | $82,005,000 | $0 | $0 |
| Home Purchase | 33 | $1,335,140,000 | $44,504,000 | $64,795,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 74 | $3,005,655,000 | $44,860,000 | $82,005,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 74 | $3,005,655,000 | $44,860,000 | $82,005,000 | $0 | $0 |
| 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 | 61 | $2,495,145,000 | $45,366,000 | $82,005,000 | $0 | $0 |
| Application Denied By Financial Institution | 13 | $510,510,000 | $42,542,000 | $71,885,000 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 61 | $2,495,145,000 | $45,366,000 | $82,005,000 | $0 | $0 |
| Other | 13 | $510,510,000 | $42,542,000 | $71,885,000 | $0 | $0 |
| 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 Metropolitan Life Insurance Co's 2019 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 Metropolitan Life Insurance Co'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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