Mid-Island Mortgage Corp. Mortgage Lending & HMDA Data, 2025
In 2025, Mid-Island Mortgage Corp. of Westbury, NY reported 500 mortgage applications totaling $214.1 million, down 3% from 2024. The average application was for $428,240, and applicants reported an average income of $169,034. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nassau County-Suffolk County, NY (206), New York-Jersey City-White Plains, NY-NJ (111) and Cambridge-Newton-Framingham, MA (18) (applications in parentheses).
| Mortgage Company & Address | Mid-Island Mortgage Corp. 900 Merchants Concourse, Suite #112 Westbury, NY 11590 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 500 |
| Total Mortgage Loan Application Amount | $214,120,000 |
| Average Mortgage Loan Application Amount | $428,240 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $169,034 |
| Highest Applicant Income | $874,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Island Mortgage Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Mid-Island Mortgage Corp. in 2025
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 | 356 | $154,710,000 | $434,000 | $1,235,000 | $172,000 | $874,000 |
| Cash-out Refinancing | 74 | $33,180,000 | $448,000 | $1,355,000 | $155,000 | $304,000 |
| Refinancing | 50 | $21,220,000 | $424,000 | $965,000 | $171,000 | $391,000 |
| Home Improvement | 15 | $3,955,000 | $263,000 | $665,000 | $175,000 | $300,000 |
| Other Purpose | 5 | $1,055,000 | $211,000 | $625,000 | $128,000 | $180,000 |
| 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 | 255 | $106,885,000 | $419,000 | $1,225,000 | $163,000 | $388,000 |
| Not Provided | 102 | $43,080,000 | $422,000 | $965,000 | $181,000 | $874,000 |
| Hispanic | 67 | $26,895,000 | $401,000 | $1,045,000 | $153,000 | $339,000 |
| Black or African American | 50 | $23,980,000 | $479,000 | $1,355,000 | $168,000 | $490,000 |
| Asian | 25 | $13,105,000 | $524,000 | $1,235,000 | $218,000 | $476,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $135,000 | $135,000 |
| Not applicable | 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) | 408 | $168,290,000 | $412,000 | $1,355,000 | $172,000 | $874,000 |
| FHA-insured (Federal Housing Administration) | 82 | $39,360,000 | $480,000 | $1,235,000 | $151,000 | $376,000 |
| VA-guaranteed (Veterans Administration) | 10 | $6,470,000 | $647,000 | $1,215,000 | $189,000 | $334,000 |
| 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 | 343 | $149,925,000 | $437,000 | $1,355,000 | $168,000 | $490,000 |
| Application Withdrawn By Applicant | 92 | $39,640,000 | $430,000 | $1,225,000 | $171,000 | $391,000 |
| Application Denied By Financial Institution | 47 | $14,655,000 | $311,000 | $905,000 | $123,000 | $228,000 |
| File Closed For Incompleteness | 18 | $9,900,000 | $550,000 | $1,045,000 | $214,000 | $874,000 |
| 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 | 453 | $199,465,000 | $440,000 | $1,355,000 | $170,000 | $874,000 |
| Other | 18 | $3,640,000 | $202,000 | $675,000 | $72,000 | $72,000 |
| Debt-To-Income Ratio | 12 | $5,140,000 | $428,000 | $905,000 | $120,000 | $228,000 |
| Credit History | 8 | $3,150,000 | $393,000 | $725,000 | $212,000 | $212,000 |
| Collateral | 7 | $2,015,000 | $287,000 | $495,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $710,000 | $355,000 | $625,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Island Mortgage Corp.'s 2025 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 Mid-Island Mortgage Corp.'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 York, download the full spreadsheet
with aggregated HMDA statistics today.
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