Mid-Island Mortgage Corp. Mortgage Lending & HMDA Data, 2010
In 2010, Mid-Island Mortgage Corp. of Westbury, NY reported 3,357 mortgage applications totaling $864.2 million, down 16% from 2009. The average application was for $257,421, and applicants reported an average income of $79,933. 47% of its applications resulted in an originated loan and 31% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (766), Nassau-Suffolk, NY (615) and Washington-Arlington-Alexandria, DC-VA-MD-WV (180) (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 | 3,357 |
| Total Mortgage Loan Application Amount | $864,163,000 |
| Average Mortgage Loan Application Amount | $257,421 |
| Highest Mortgage Loan Application Amount | $946,000 |
| Average Applicant Income | $79,933 |
| Highest Applicant Income | $1,247,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,734 | $443,276,000 | $255,000 | $898,000 | $78,000 | $673,000 |
| Refinancing | 1,623 | $420,887,000 | $259,000 | $946,000 | $82,000 | $1,247,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,886 | $481,735,000 | $255,000 | $935,000 | $85,000 | $1,247,000 |
| Black or African American | 719 | $187,417,000 | $260,000 | $744,000 | $73,000 | $270,000 |
| Hispanic | 437 | $114,333,000 | $261,000 | $946,000 | $68,000 | $191,000 |
| Not Provided | 227 | $56,260,000 | $247,000 | $742,000 | $86,000 | $673,000 |
| Asian | 71 | $20,848,000 | $293,000 | $742,000 | $83,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,528,000 | $252,000 | $497,000 | $79,000 | $178,000 |
| American Indian or Alaskan Native | 7 | $1,042,000 | $148,000 | $210,000 | $42,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,582 | $667,218,000 | $258,000 | $946,000 | $75,000 | $338,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 770 | $195,446,000 | $253,000 | $728,000 | $95,000 | $1,247,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,499,000 | $299,000 | $417,000 | $85,000 | $134,000 |
| 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 | 1,586 | $410,796,000 | $259,000 | $821,000 | $85,000 | $1,247,000 |
| Application Denied By Financial Institution | 1,037 | $268,640,000 | $259,000 | $946,000 | $73,000 | $673,000 |
| Application Withdrawn By Applicant | 624 | $153,083,000 | $245,000 | $935,000 | $79,000 | $1,148,000 |
| Application Approved But Not Accepted | 104 | $29,628,000 | $284,000 | $676,000 | $87,000 | $650,000 |
| File Closed For Incompleteness | 6 | $2,016,000 | $336,000 | $606,000 | $94,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 397 | $104,050,000 | $262,000 | $946,000 | $76,000 | $673,000 |
| Credit History | 245 | $55,636,000 | $227,000 | $611,000 | $71,000 | $204,000 |
| Debt-To-Income Ratio | 243 | $67,433,000 | $277,000 | $773,000 | $61,000 | $338,000 |
| Collateral | 100 | $28,345,000 | $283,000 | $898,000 | $90,000 | $407,000 |
| Unverifiable Information | 21 | $5,951,000 | $283,000 | $496,000 | $81,000 | $199,000 |
| Employment History | 14 | $3,319,000 | $237,000 | $417,000 | $61,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,865,000 | $204,000 | $371,000 | $64,000 | $135,000 |
| Mortgage Insurance Denied | 3 | $1,041,000 | $347,000 | $418,000 | $84,000 | $108,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Island Mortgage Corp.'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 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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