Mid-Island Mortgage Corp. Mortgage Lending & HMDA Data, 2013
In 2013, Mid-Island Mortgage Corp. of Westbury, NY reported 1,749 mortgage applications totaling $455.1 million, down 37% from 2012. The average application was for $260,205, and applicants reported an average income of $65,190. 57% of its applications resulted in an originated loan and 20% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (429), Nassau-Suffolk, NY (358) and Washington-Arlington-Alexandria, DC-VA-MD-WV (125) (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 | 1,749 |
| Total Mortgage Loan Application Amount | $455,099,000 |
| Average Mortgage Loan Application Amount | $260,205 |
| Highest Mortgage Loan Application Amount | $828,000 |
| Average Applicant Income | $65,190 |
| Highest Applicant Income | $1,009,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 1,255 | $326,017,000 | $259,000 | $828,000 | $57,000 | $1,009,000 |
| Home Purchase | 494 | $129,082,000 | $261,000 | $743,000 | $86,000 | $834,000 |
| 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 | 880 | $218,697,000 | $248,000 | $758,000 | $69,000 | $834,000 |
| Not Provided | 311 | $86,543,000 | $278,000 | $729,000 | $63,000 | $353,000 |
| Black or African American | 229 | $59,644,000 | $260,000 | $828,000 | $55,000 | $232,000 |
| Hispanic | 194 | $52,825,000 | $272,000 | $722,000 | $66,000 | $1,009,000 |
| Asian | 119 | $32,455,000 | $272,000 | $729,000 | $63,000 | $451,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $3,484,000 | $316,000 | $561,000 | $31,000 | $209,000 |
| American Indian or Alaskan Native | 5 | $1,451,000 | $290,000 | $474,000 | $28,000 | $94,000 |
| 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) | 1,034 | $272,819,000 | $263,000 | $758,000 | $38,000 | $834,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 695 | $176,692,000 | $254,000 | $828,000 | $105,000 | $1,009,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,588,000 | $279,000 | $510,000 | $76,000 | $148,000 |
| 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 | 1,000 | $258,199,000 | $258,000 | $828,000 | $60,000 | $425,000 |
| Application Denied By Financial Institution | 350 | $90,830,000 | $259,000 | $722,000 | $73,000 | $358,000 |
| Application Withdrawn By Applicant | 270 | $71,681,000 | $265,000 | $743,000 | $73,000 | $1,009,000 |
| Application Approved But Not Accepted | 96 | $25,277,000 | $263,000 | $549,000 | $58,000 | $337,000 |
| File Closed For Incompleteness | 33 | $9,112,000 | $276,000 | $525,000 | $78,000 | $451,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 149 | $40,720,000 | $273,000 | $722,000 | $71,000 | $188,000 |
| Credit History | 76 | $19,388,000 | $255,000 | $714,000 | $80,000 | $335,000 |
| Other | 70 | $17,209,000 | $245,000 | $652,000 | $66,000 | $358,000 |
| Collateral | 40 | $10,841,000 | $271,000 | $626,000 | $86,000 | $230,000 |
| Employment History | 10 | $1,861,000 | $186,000 | $437,000 | $60,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $737,000 | $184,000 | $315,000 | $81,000 | $124,000 |
| Unverifiable Information | 1 | $74,000 | $74,000 | $74,000 | $13,000 | $13,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Island Mortgage Corp.'s 2013 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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