Mid-Island Mortgage Corp. Mortgage Lending & HMDA Data, 2019
In 2019, Mid-Island Mortgage Corp. of Westbury, NY reported 1,326 mortgage applications totaling $483.5 million, up 29% from 2018. The average application was for $364,638, and applicants reported an average income of $103,228. 71% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Nassau County-Suffolk County, NY (523), New York-Jersey City-White Plains, NY-NJ (315) and Washington-Arlington-Alexandria, DC-VA-MD-WV (114) (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 | 1,326 |
| Total Mortgage Loan Application Amount | $483,510,000 |
| Average Mortgage Loan Application Amount | $364,638 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $103,228 |
| Highest Applicant Income | $698,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 680 | $248,170,000 | $364,000 | $1,015,000 | $123,000 | $698,000 |
| Refinancing | 376 | $141,760,000 | $377,000 | $1,495,000 | $54,000 | $698,000 |
| Cash-out Refinancing | 267 | $92,935,000 | $348,000 | $1,055,000 | $122,000 | $546,000 |
| Home Improvement | 3 | $645,000 | $215,000 | $365,000 | $121,000 | $189,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 529 | $184,835,000 | $349,000 | $1,495,000 | $115,000 | $698,000 |
| Not Provided | 309 | $113,555,000 | $367,000 | $935,000 | $114,000 | $603,000 |
| Black or African American | 251 | $98,485,000 | $392,000 | $1,055,000 | $93,000 | $612,000 |
| Hispanic | 158 | $55,800,000 | $353,000 | $785,000 | $71,000 | $169,000 |
| Asian | 74 | $28,800,000 | $389,000 | $935,000 | $70,000 | $299,000 |
| American Indian or Alaskan Native | 3 | $1,215,000 | $405,000 | $485,000 | $180,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $355,000 | $355,000 | $355,000 | $126,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 679 | $236,095,000 | $347,000 | $1,495,000 | $132,000 | $698,000 |
| FHA-insured (Federal Housing Administration) | 570 | $215,600,000 | $378,000 | $925,000 | $69,000 | $440,000 |
| VA-guaranteed (Veterans Administration) | 77 | $31,815,000 | $413,000 | $1,015,000 | $98,000 | $395,000 |
| 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 | 936 | $338,280,000 | $361,000 | $1,055,000 | $101,000 | $612,000 |
| Application Withdrawn By Applicant | 209 | $79,275,000 | $379,000 | $1,495,000 | $111,000 | $698,000 |
| Application Denied By Financial Institution | 104 | $36,830,000 | $354,000 | $915,000 | $84,000 | $233,000 |
| File Closed For Incompleteness | 76 | $28,750,000 | $378,000 | $935,000 | $127,000 | $394,000 |
| Application Approved But Not Accepted | 1 | $375,000 | $375,000 | $375,000 | $85,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,222 | $446,680,000 | $365,000 | $1,495,000 | $105,000 | $698,000 |
| Other | 34 | $13,100,000 | $385,000 | $875,000 | $71,000 | $233,000 |
| Debt-To-Income Ratio | 23 | $7,975,000 | $346,000 | $915,000 | $73,000 | $206,000 |
| Credit History | 18 | $5,890,000 | $327,000 | $485,000 | $83,000 | $191,000 |
| Collateral | 16 | $5,770,000 | $360,000 | $665,000 | $142,000 | $222,000 |
| Credit Application Incomplete | 5 | $1,675,000 | $335,000 | $625,000 | $43,000 | $118,000 |
| Unverifiable Information | 4 | $900,000 | $225,000 | $515,000 | $53,000 | $108,000 |
| Employment History | 2 | $540,000 | $270,000 | $365,000 | $106,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $980,000 | $490,000 | $735,000 | $132,000 | $208,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Island Mortgage Corp.'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 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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