Mid-Island Mortgage Corp. Mortgage Lending & HMDA Data, 2012
In 2012, Mid-Island Mortgage Corp. of Westbury, NY reported 2,784 mortgage applications totaling $697.7 million, up 11% from 2011. The average application was for $250,604, and applicants reported an average income of $61,262. 57% of its applications resulted in an originated loan and 26% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (603), Nassau-Suffolk, NY (508) and Providence-New Bedford-Fall River, RI-MA (168) (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 | 2,784 |
| Total Mortgage Loan Application Amount | $697,683,000 |
| Average Mortgage Loan Application Amount | $250,604 |
| Highest Mortgage Loan Application Amount | $737,000 |
| Average Applicant Income | $61,262 |
| Highest Applicant Income | $635,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 2,026 | $518,984,000 | $256,000 | $737,000 | $55,000 | $635,000 |
| Home Purchase | 758 | $178,699,000 | $235,000 | $737,000 | $78,000 | $325,000 |
| 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 | 1,618 | $398,978,000 | $246,000 | $737,000 | $64,000 | $635,000 |
| Black or African American | 399 | $100,065,000 | $250,000 | $638,000 | $54,000 | $360,000 |
| Not Provided | 325 | $82,214,000 | $252,000 | $696,000 | $63,000 | $483,000 |
| Hispanic | 266 | $69,089,000 | $259,000 | $652,000 | $52,000 | $287,000 |
| Asian | 164 | $43,830,000 | $267,000 | $737,000 | $69,000 | $410,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,421,000 | $302,000 | $504,000 | $14,000 | $114,000 |
| American Indian or Alaskan Native | 3 | $559,000 | $186,000 | $220,000 | $12,000 | $36,000 |
| Not applicable | 1 | $527,000 | $527,000 | $527,000 | $90,000 | $90,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,809 | $450,583,000 | $249,000 | $737,000 | $40,000 | $270,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 963 | $243,004,000 | $252,000 | $645,000 | $100,000 | $635,000 |
| VA-guaranteed (Veterans Administration) | 12 | $4,096,000 | $341,000 | $478,000 | $96,000 | $186,000 |
| 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 | 1,588 | $409,331,000 | $257,000 | $696,000 | $56,000 | $475,000 |
| Application Denied By Financial Institution | 737 | $175,192,000 | $237,000 | $737,000 | $71,000 | $483,000 |
| Application Withdrawn By Applicant | 315 | $76,639,000 | $243,000 | $692,000 | $76,000 | $635,000 |
| Application Approved But Not Accepted | 123 | $31,498,000 | $256,000 | $737,000 | $29,000 | $193,000 |
| File Closed For Incompleteness | 20 | $4,496,000 | $224,000 | $461,000 | $92,000 | $286,000 |
| Loan Purchased By The Institution | 1 | $527,000 | $527,000 | $527,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 279 | $69,506,000 | $249,000 | $737,000 | $67,000 | $401,000 |
| Credit History | 188 | $39,515,000 | $210,000 | $542,000 | $67,000 | $271,000 |
| Other | 185 | $44,382,000 | $239,000 | $565,000 | $69,000 | $392,000 |
| Collateral | 60 | $16,748,000 | $279,000 | $682,000 | $113,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,571,000 | $214,000 | $426,000 | $66,000 | $196,000 |
| Employment History | 10 | $1,737,000 | $173,000 | $434,000 | $60,000 | $101,000 |
| Unverifiable Information | 2 | $404,000 | $202,000 | $276,000 | $52,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $329,000 | $329,000 | $329,000 | $101,000 | $101,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Island Mortgage Corp.'s 2012 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.
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