North Fork Bank Mortgage Lending & HMDA Data, 2006
In 2006, North Fork Bank of Melville, NY reported 4,391 mortgage applications totaling $2.3 billion, down 55% from 2005. The average application was for $529,444, and applicants reported an average income of $169,689. 2% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (2,239), Nassau-Suffolk, NY (591) and Newark-Union, NJ-PA (185) (applications in parentheses).
| Mortgage Company & Address | North Fork Bank 265 Broadhollow Road Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,391 |
| Total Mortgage Loan Application Amount | $2,324,790,000 |
| Average Mortgage Loan Application Amount | $529,444 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $169,689 |
| Highest Applicant Income | $8,665,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records North Fork Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York, New York | 970 | $ 753,978,000 | $ 777,296 | $ 359,000 |
| Kings, New York | 427 | $ 245,102,000 | $ 574,009 | $ 121,000 |
| Suffolk, New York | 334 | $ 126,402,000 | $ 378,449 | $ 158,000 |
| Queens, New York | 279 | $ 101,254,000 | $ 362,917 | $ 67,000 |
| Nassau, New York | 257 | $ 105,569,000 | $ 410,774 | $ 147,000 |
| Westchester, New York | 183 | $ 95,474,000 | $ 521,715 | $ 234,000 |
| Fairfield, Connecticut | 171 | $ 124,556,000 | $ 728,397 | $ 348,000 |
| Los Angeles, California | 123 | $ 62,914,000 | $ 511,495 | $ 9,000 |
| Essex, New Jersey | 92 | $ 44,560,000 | $ 484,347 | $ 81,000 |
| Bronx, New York | 88 | $ 78,201,000 | $ 888,647 | $ 34,000 |
| Cook, Illinois | 87 | $ 33,609,000 | $ 386,310 | $ 1,000 |
| Hudson, New Jersey | 80 | $ 38,853,000 | $ 485,662 | $ 61,000 |
| Bergen, New Jersey | 74 | $ 49,110,000 | $ 663,648 | $ 271,000 |
| Monmouth, New Jersey | 71 | $ 22,633,000 | $ 318,774 | $ 138,000 |
| Richmond, New York | 66 | $ 18,525,000 | $ 280,681 | $ 75,000 |
| Riverside, California | 64 | $ 27,598,000 | $ 431,218 | $ 226,000 |
| Mercer, New Jersey | 56 | $ 10,198,000 | $ 182,107 | $ 63,000 |
| Middlesex, New Jersey | 51 | $ 12,282,000 | $ 240,823 | $ 62,000 |
| Morris, New Jersey | 47 | $ 16,804,000 | $ 357,531 | $ 166,000 |
| Union, New Jersey | 45 | $ 11,523,000 | $ 256,066 | $ 48,000 |
| Philadelphia, Pennsylvania | 36 | $ 9,431,000 | $ 261,972 | $ 6,000 |
| Rockland, New York | 35 | $ 11,610,000 | $ 331,714 | $ 58,000 |
| Worcester, Massachusetts | 34 | $ 10,326,000 | $ 303,705 | $ 0 |
| Passaic, New Jersey | 32 | $ 10,392,000 | $ 324,750 | $ 69,000 |
| Somerset, New Jersey | 32 | $ 11,207,000 | $ 350,218 | $ 150,000 |
| Suffolk, Massachusetts | 29 | $ 18,010,000 | $ 621,034 | $ 0 |
| Bristol, Massachusetts | 27 | $ 8,280,000 | $ 306,666 | $ 0 |
| Essex, Massachusetts | 27 | $ 10,094,000 | $ 373,851 | $ 3,000 |
| Providence, Rhode Island | 27 | $ 7,592,000 | $ 281,185 | $ 0 |
| Apache, Arizona | 21 | $ 4,390,000 | $ 209,047 | $ 84,000 |
| San Diego, California | 21 | $ 9,477,000 | $ 451,285 | $ 70,000 |
| New Haven, Connecticut | 18 | $ 10,781,000 | $ 598,944 | $ 3,000 |
| Middlesex, Massachusetts | 18 | $ 10,047,000 | $ 558,166 | $ 58,000 |
| Alameda, California | 17 | $ 11,045,000 | $ 649,705 | $ 19,000 |
| Miami-Dade, Florida | 17 | $ 11,723,000 | $ 689,588 | $ 38,000 |
| Hartford, Connecticut | 13 | $ 19,333,000 | $ 1,487,153 | $ 0 |
| District of Columbia, District Of Columbia | 12 | $ 4,221,000 | $ 351,750 | $ 0 |
| Maricopa, Arizona | 11 | $ 5,533,000 | $ 503,000 | $ 155,000 |
| Hillsborough, New Hampshire | 11 | $ 3,405,000 | $ 309,545 | $ 0 |
| Santa Clara, California | 10 | $ 5,533,000 | $ 553,300 | $ 53,000 |
| Snohomish, Washington | 10 | $ 1,985,000 | $ 198,500 | $ 75,000 |
| Broward, Florida | 9 | $ 5,517,000 | $ 613,000 | $ 67,000 |
| Isabella, Michigan | 9 | $ 1,528,000 | $ 169,777 | $ 76,000 |
| Whatcom, Washington | 9 | $ 980,000 | $ 108,888 | $ 45,000 |
| Orange, California | 8 | $ 5,535,000 | $ 691,875 | $ 55,000 |
| Baltimore City, Maryland | 8 | $ 2,984,000 | $ 373,000 | $ 0 |
| Plymouth, Massachusetts | 8 | $ 2,587,000 | $ 323,375 | $ 57,000 |
| Dutchess, New York | 8 | $ 2,896,000 | $ 362,000 | $ 240,000 |
| Sacramento, California | 7 | $ 2,522,000 | $ 360,285 | $ 91,000 |
| Orange, New York | 7 | $ 2,408,000 | $ 344,000 | $ 82,000 |
| Coconino, Arizona | 6 | $ 956,000 | $ 159,333 | $ 69,000 |
| Norfolk, Massachusetts | 6 | $ 3,894,000 | $ 649,000 | $ 60,000 |
| Lake, Montana | 6 | $ 972,000 | $ 162,000 | $ 25,000 |
| Kitsap, Washington | 6 | $ 735,000 | $ 122,500 | $ 51,000 |
| Pima, Arizona | 5 | $ 667,000 | $ 133,400 | $ 51,000 |
| Fresno, California | 5 | $ 1,651,000 | $ 330,200 | $ 0 |
| San Bernardino, California | 5 | $ 1,679,000 | $ 335,800 | $ 68,000 |
| San Francisco, California | 5 | $ 3,075,000 | $ 615,000 | $ 0 |
| San Mateo, California | 5 | $ 2,548,000 | $ 509,600 | $ 128,000 |
| Kane, Illinois | 5 | $ 2,649,000 | $ 529,800 | $ 0 |
| Lake, Illinois | 5 | $ 1,323,000 | $ 264,600 | $ 0 |
| Missoula, Montana | 5 | $ 650,000 | $ 130,000 | $ 53,000 |
| Putnam, New York | 5 | $ 2,740,000 | $ 548,000 | $ 219,000 |
| Multnomah, Oregon | 5 | $ 950,000 | $ 190,000 | $ 62,000 |
| Chester, Pennsylvania | 5 | $ 1,564,000 | $ 312,800 | $ 27,000 |
| Navajo, Arizona | 4 | $ 598,000 | $ 149,500 | $ 57,000 |
| Pinal, Arizona | 4 | $ 904,000 | $ 226,000 | $ 61,000 |
| Palm Beach, Florida | 4 | $ 7,185,000 | $ 1,796,250 | $ 670,000 |
| Pinellas, Florida | 4 | $ 1,801,000 | $ 450,250 | $ 105,000 |
| San Juan, New Mexico | 4 | $ 454,000 | $ 113,500 | $ 53,000 |
| Washington, Oregon | 4 | $ 852,000 | $ 213,000 | $ 36,000 |
| Delaware, Pennsylvania | 4 | $ 730,000 | $ 182,500 | $ 0 |
| Luzerne, Pennsylvania | 4 | $ 6,560,000 | $ 1,640,000 | $ 0 |
| Kent, Rhode Island | 4 | $ 1,791,000 | $ 447,750 | $ 0 |
| Mohave, Arizona | 3 | $ 358,000 | $ 119,333 | $ 56,000 |
| Contra Costa, California | 3 | $ 1,047,000 | $ 349,000 | $ 60,000 |
| Solano, California | 3 | $ 882,000 | $ 294,000 | $ 46,000 |
| Stanislaus, California | 3 | $ 1,063,000 | $ 354,333 | $ 21,000 |
| Denver, Colorado | 3 | $ 640,000 | $ 213,333 | $ 72,000 |
| Hillsborough, Florida | 3 | $ 11,110,000 | $ 3,703,333 | $ 0 |
| Lee, Florida | 3 | $ 1,015,000 | $ 338,333 | $ 196,000 |
| Lake, Indiana | 3 | $ 997,000 | $ 332,333 | $ 0 |
| Oakland, Michigan | 3 | $ 1,079,000 | $ 359,666 | $ 102,000 |
| Merrimack, New Hampshire | 3 | $ 1,639,000 | $ 546,333 | $ 0 |
| Ocean, New Jersey | 3 | $ 1,165,000 | $ 388,333 | $ 461,000 |
| Salt Lake, Utah | 3 | $ 1,189,000 | $ 396,333 | $ 199,000 |
| Grays Harbor, Washington | 3 | $ 352,000 | $ 117,333 | $ 80,000 |
| Yavapai, Arizona | 2 | $ 1,045,000 | $ 522,500 | $ 246,000 |
| Kern, California | 2 | $ 995,000 | $ 497,500 | $ 0 |
| San Luis Obispo, California | 2 | $ 835,000 | $ 417,500 | $ 85,000 |
| Santa Barbara, California | 2 | $ 1,179,000 | $ 589,500 | $ 214,000 |
| Sonoma, California | 2 | $ 1,328,000 | $ 664,000 | $ 195,000 |
| El Paso, Colorado | 2 | $ 564,000 | $ 282,000 | $ 99,000 |
| Litchfield, Connecticut | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Windham, Connecticut | 2 | $ 663,000 | $ 331,500 | $ 0 |
| Volusia, Florida | 2 | $ 424,000 | $ 212,000 | $ 147,000 |
| Cobb, Georgia | 2 | $ 1,315,000 | $ 657,500 | $ 145,000 |
| McHenry, Illinois | 2 | $ 545,000 | $ 272,500 | $ 59,000 |
| Will, Illinois | 2 | $ 855,000 | $ 427,500 | $ 0 |
| Prince George's, Maryland | 2 | $ 783,000 | $ 391,500 | $ 79,000 |
| Washington, Maryland | 2 | $ 647,000 | $ 323,500 | $ 0 |
| Flathead, Montana | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Mineral, Montana | 2 | $ 289,000 | $ 144,500 | $ 44,000 |
| Clark, Nevada | 2 | $ 483,000 | $ 241,500 | $ 156,000 |
| Lyon, Nevada | 2 | $ 468,000 | $ 234,000 | $ 90,000 |
| Washoe, Nevada | 2 | $ 292,000 | $ 146,000 | $ 61,000 |
| Burlington, New Jersey | 2 | $ 521,000 | $ 260,500 | $ 0 |
| Cape May, New Jersey | 2 | $ 891,000 | $ 445,500 | $ 0 |
| Gloucester, New Jersey | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 186,000 | $ 93,000 | $ 29,000 |
| Scotland, North Carolina | 2 | $ 167,000 | $ 83,500 | $ 42,000 |
| Rolette, North Dakota | 2 | $ 90,000 | $ 45,000 | $ 46,000 |
| Berks, Pennsylvania | 2 | $ 315,000 | $ 157,500 | $ 41,000 |
| Bucks, Pennsylvania | 2 | $ 410,000 | $ 205,000 | $ 34,000 |
| Lackawanna, Pennsylvania | 2 | $ 4,320,000 | $ 2,160,000 | $ 0 |
| Lehigh, Pennsylvania | 2 | $ 445,000 | $ 222,500 | $ 0 |
| Montgomery, Pennsylvania | 2 | $ 413,000 | $ 206,500 | $ 0 |
| Dallas, Texas | 2 | $ 1,586,000 | $ 793,000 | $ 462,000 |
| King, Washington | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Mason, Washington | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| La Paz, Arizona | 1 | $ 242,000 | $ 242,000 | $ 72,000 |
| Yuma, Arizona | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Butte, California | 1 | $ 770,000 | $ 770,000 | $ 205,000 |
| Glenn, California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Humboldt, California | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Imperial, California | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Kings, California | 1 | $ 738,000 | $ 738,000 | $ 0 |
| Marin, California | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Mendocino, California | 1 | $ 346,000 | $ 346,000 | $ 104,000 |
| Monterey, California | 1 | $ 910,000 | $ 910,000 | $ 192,000 |
| Napa, California | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Santa Cruz, California | 1 | $ 336,000 | $ 336,000 | $ 107,000 |
| Yuba, California | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Adams, Colorado | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 413,000 | $ 413,000 | $ 0 |
| La Plata, Colorado | 1 | $ 231,000 | $ 231,000 | $ 83,000 |
| Middlesex, Connecticut | 1 | $ 721,000 | $ 721,000 | $ 251,000 |
| New Castle, Delaware | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Sussex, Delaware | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Citrus, Florida | 1 | $ 630,000 | $ 630,000 | $ 504,000 |
| Collier, Florida | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Flagler, Florida | 1 | $ 688,000 | $ 688,000 | $ 294,000 |
| Franklin, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 300,000 |
| Hernando, Florida | 1 | $ 161,000 | $ 161,000 | $ 366,000 |
| Indian River, Florida | 1 | $ 410,000 | $ 410,000 | $ 240,000 |
| Lake, Florida | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Sarasota, Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bannock, Idaho | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Blaine, Idaho | 1 | $ 1,190,000 | $ 1,190,000 | $ 456,000 |
| DuPage, Illinois | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Kankakee, Illinois | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Marion, Indiana | 1 | $ 2,575,000 | $ 2,575,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,628,000 |
| Hampden, Massachusetts | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Lapeer, Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Midland, Michigan | 1 | $ 158,000 | $ 158,000 | $ 102,000 |
| Wayne, Michigan | 1 | $ 230,000 | $ 230,000 | $ 82,000 |
| Renville, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 72,000 |
| Scott, Minnesota | 1 | $ 750,000 | $ 750,000 | $ 960,000 |
| Franklin, Missouri | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Blaine, Montana | 1 | $ 102,000 | $ 102,000 | $ 91,000 |
| Rosebud, Montana | 1 | $ 53,000 | $ 53,000 | $ 38,000 |
| Strafford, New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Dona Ana, New Mexico | 1 | $ 148,000 | $ 148,000 | $ 654,000 |
| McKinley, New Mexico | 1 | $ 96,000 | $ 96,000 | $ 47,000 |
| Sandoval, New Mexico | 1 | $ 198,000 | $ 198,000 | $ 93,000 |
| Erie, New York | 1 | $ 312,000 | $ 312,000 | $ 150,000 |
| Saratoga, New York | 1 | $ 480,000 | $ 480,000 | $ 216,000 |
| Guilford, North Carolina | 1 | $ 154,000 | $ 154,000 | $ 128,000 |
| Harnett, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 76,000 |
| Mecklenburg, North Carolina | 1 | $ 1,510,000 | $ 1,510,000 | $ 651,000 |
| Robeson, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Coshocton, Ohio | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lake, Ohio | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Madison, Ohio | 1 | $ 268,000 | $ 268,000 | $ 210,000 |
| Medina, Ohio | 1 | $ 578,000 | $ 578,000 | $ 182,000 |
| Cherokee, Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 57,000 |
| Oklahoma, Oklahoma | 1 | $ 298,000 | $ 298,000 | $ 97,000 |
| Wagoner, Oklahoma | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Clackamas, Oregon | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Washington, Rhode Island | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,060,000 |
| Horry, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Harris, Texas | 1 | $ 689,000 | $ 689,000 | $ 336,000 |
| Tarrant, Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Utah, Utah | 1 | $ 187,000 | $ 187,000 | $ 240,000 |
| Bedford, Virginia | 1 | $ 370,000 | $ 370,000 | $ 276,000 |
| Fairfax, Virginia | 1 | $ 380,000 | $ 380,000 | $ 90,000 |
| Clark, Washington | 1 | $ 336,000 | $ 336,000 | $ 282,000 |
| Lewis, Washington | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Fremont, Wyoming | 1 | $ 179,000 | $ 179,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for North Fork Bank in 2006
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 | 2,546 | $1,608,264,000 | $631,000 | $25,000,000 | $217,000 | $8,665,000 |
| Refinancing | 1,802 | $695,799,000 | $386,000 | $6,000,000 | $101,000 | $7,048,000 |
| Home Improvement | 43 | $20,727,000 | $482,000 | $2,000,000 | $247,000 | $2,000,000 |
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 | 2,169 | $1,156,493,000 | $533,000 | $3,750,000 | $242,000 | $8,665,000 |
| Not Provided | 903 | $332,705,000 | $368,000 | $2,588,000 | $106,000 | $2,748,000 |
| Not applicable | 359 | $469,141,000 | $1,306,000 | $25,000,000 | $34,000 | $3,600,000 |
| Asian | 284 | $149,706,000 | $527,000 | $1,500,000 | $207,000 | $3,067,000 |
| Hispanic | 260 | $99,820,000 | $383,000 | $2,610,000 | $79,000 | $1,592,000 |
| Black or African American | 209 | $63,665,000 | $304,000 | $1,400,000 | $42,000 | $982,000 |
| American Indian or Alaskan Native | 190 | $48,471,000 | $255,000 | $1,165,000 | $118,000 | $531,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,789,000 | $281,000 | $533,000 | $81,000 | $413,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,196 | $2,275,833,000 | $542,000 | $25,000,000 | $172,000 | $8,665,000 |
| FHA-insured (Federal Housing Administration) | 195 | $48,957,000 | $251,000 | $550,000 | $124,000 | $531,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Purchased By The Institution | 4,232 | $1,971,530,000 | $465,000 | $6,000,000 | $174,000 | $8,665,000 |
| Loan Originated | 108 | $264,407,000 | $2,448,000 | $25,000,000 | $75,000 | $7,048,000 |
| Application Withdrawn By Applicant | 37 | $80,440,000 | $2,174,000 | $10,000,000 | $5,000 | $82,000 |
| Application Denied By Financial Institution | 13 | $8,293,000 | $637,000 | $4,300,000 | $42,000 | $87,000 |
| File Closed For Incompleteness | 1 | $120,000 | $120,000 | $120,000 | $51,000 | $51,000 |
| Application Approved But Not Accepted | 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 | 4 | $1,325,000 | $331,000 | $500,000 | $29,000 | $70,000 |
| Other | 3 | $5,571,000 | $1,857,000 | $4,300,000 | $15,000 | $45,000 |
| Unverifiable Information | 2 | $533,000 | $266,000 | $285,000 | $61,000 | $64,000 |
| Employment History | 2 | $434,000 | $217,000 | $337,000 | $69,000 | $87,000 |
| Collateral | 1 | $200,000 | $200,000 | $200,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $230,000 | $230,000 | $230,000 | $68,000 | $68,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Fork Bank's 2006 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 North Fork Bank'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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