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Act (HMDA) records North Fork Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 2,239 | $ 1,405,239,000 | $ 627,619 | $ 223,021 |
| Nassau-Suffolk, NY | 591 | $ 231,971,000 | $ 392,505 | $ 153,000 |
| Newark-Union, NJ-PA | 185 | $ 73,037,000 | $ 394,794 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 171 | $ 124,556,000 | $ 728,397 | $ 348,000 |
| Edison, NJ | 157 | $ 47,287,000 | $ 301,191 | $ 122,000 |
| Los Angeles-Long Beach-Glendale, CA | 123 | $ 62,914,000 | $ 511,495 | $ 9,000 |
| Chicago-Naperville-Joliet, IL | 97 | $ 38,051,000 | $ 392,278 | $ 2,000 |
| Riverside-San Bernardino-Ontario, CA | 69 | $ 29,277,000 | $ 424,304 | $ 215,000 |
| Providence-New Bedford-Fall River, RI-MA | 59 | $ 18,763,000 | $ 318,016 | $ 17,898 |
| Trenton-Ewing, NJ | 56 | $ 10,198,000 | $ 182,107 | $ 63,000 |
| Philadelphia, PA | 49 | $ 12,548,000 | $ 256,081 | $ 8,000 |
| Boston-Quincy, MA | 43 | $ 24,491,000 | $ 569,558 | $ 19,000 |
| Worcester, MA | 34 | $ 10,326,000 | $ 303,705 | $ 0 |
| Essex County, MA | 27 | $ 10,094,000 | $ 373,851 | $ 3,000 |
| San Diego-Carlsbad-San Marcos, CA | 21 | $ 9,477,000 | $ 451,285 | $ 70,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 12,092,000 | $ 604,600 | $ 25,000 |
| Cambridge-Newton-Framingham, MA | 18 | $ 10,047,000 | $ 558,166 | $ 58,000 |
| New Haven-Milford, CT | 18 | $ 10,781,000 | $ 598,944 | $ 3,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 11,723,000 | $ 689,588 | $ 38,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 6,437,000 | $ 429,133 | $ 130,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 15 | $ 5,304,000 | $ 353,600 | $ 166,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 5,384,000 | $ 358,933 | $ 16,533 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 20,054,000 | $ 1,432,428 | $ 17,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 2,395,000 | $ 199,583 | $ 62,000 |
| Manchester-Nashua, NH | 11 | $ 3,405,000 | $ 309,545 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 11 | $ 2,458,000 | $ 223,454 | $ 66,545 |
| San Francisco-San Mateo-Redwood City, CA | 11 | $ 5,923,000 | $ 538,454 | $ 58,000 |
| Baltimore-Towson, MD | 10 | $ 3,524,000 | $ 352,400 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 5,533,000 | $ 553,300 | $ 53,000 |
| Bellingham, WA | 9 | $ 980,000 | $ 108,888 | $ 45,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 5,517,000 | $ 613,000 | $ 67,000 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 5,535,000 | $ 691,875 | $ 55,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 13,072,000 | $ 1,634,000 | $ 98,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 2,522,000 | $ 360,285 | $ 91,000 |
| Bremerton-Silverdale, WA | 6 | $ 735,000 | $ 122,500 | $ 51,000 |
| Flagstaff, AZ | 6 | $ 956,000 | $ 159,333 | $ 69,000 |
| Scranton--Wilkes-Barre, PA | 6 | $ 10,880,000 | $ 1,813,333 | $ 0 |
| Denver-Aurora, CO | 5 | $ 1,319,000 | $ 263,800 | $ 43,000 |
| Fresno, CA | 5 | $ 1,651,000 | $ 330,200 | $ 0 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,323,000 | $ 264,600 | $ 0 |
| Missoula, MT | 5 | $ 650,000 | $ 130,000 | $ 53,000 |
| Tucson, AZ | 5 | $ 667,000 | $ 133,400 | $ 51,000 |
| Camden, NJ | 4 | $ 1,001,000 | $ 250,250 | $ 0 |
| Farmington, NM | 4 | $ 454,000 | $ 113,500 | $ 53,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,154,000 | $ 288,500 | $ 76,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 7,185,000 | $ 1,796,250 | $ 670,000 |
| Albuquerque, NM | 3 | $ 384,000 | $ 128,000 | $ 50,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,015,000 | $ 338,333 | $ 196,000 |
| Gary, IN | 3 | $ 997,000 | $ 332,333 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 804,000 | $ 268,000 | $ 0 |
| Modesto, CA | 3 | $ 1,063,000 | $ 354,333 | $ 21,000 |
| Salt Lake City, UT | 3 | $ 1,189,000 | $ 396,333 | $ 199,000 |
| Vallejo-Fairfield, CA | 3 | $ 882,000 | $ 294,000 | $ 46,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 445,000 | $ 222,500 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 1,315,000 | $ 657,500 | $ 145,000 |
| Bakersfield, CA | 2 | $ 995,000 | $ 497,500 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 628,000 | $ 314,000 | $ 115,000 |
| Colorado Springs, CO | 2 | $ 564,000 | $ 282,000 | $ 99,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,586,000 | $ 793,000 | $ 462,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 424,000 | $ 212,000 | $ 147,000 |
| Las Vegas-Paradise, NV | 2 | $ 483,000 | $ 241,500 | $ 156,000 |
| Ocean City, NJ | 2 | $ 891,000 | $ 445,500 | $ 0 |
| Prescott, AZ | 2 | $ 1,045,000 | $ 522,500 | $ 246,000 |
| Reading, PA | 2 | $ 315,000 | $ 157,500 | $ 41,000 |
| Reno-Sparks, NV | 2 | $ 292,000 | $ 146,000 | $ 61,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 835,000 | $ 417,500 | $ 85,000 |
| Santa Barbara-Santa Maria, CA | 2 | $ 1,179,000 | $ 589,500 | $ 214,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,328,000 | $ 664,000 | $ 195,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 480,000 | $ 480,000 | $ 216,000 |
| Barnstable Town, MA | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,628,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 312,000 | $ 312,000 | $ 150,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 1,510,000 | $ 1,510,000 | $ 651,000 |
| Chico, CA | 1 | $ 770,000 | $ 770,000 | $ 205,000 |
| Columbus, OH | 1 | $ 268,000 | $ 268,000 | $ 210,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 230,000 | $ 230,000 | $ 82,000 |
| El Centro, CA | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 154,000 | $ 154,000 | $ 128,000 |
| Hanford-Corcoran, CA | 1 | $ 738,000 | $ 738,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 689,000 | $ 689,000 | $ 336,000 |
| Indianapolis-Carmel, IN | 1 | $ 2,575,000 | $ 2,575,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Las Cruces, NM | 1 | $ 148,000 | $ 148,000 | $ 654,000 |
| Lynchburg, VA | 1 | $ 370,000 | $ 370,000 | $ 276,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 750,000 | $ 750,000 | $ 960,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Napa, CA | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Naples-Marco Island, FL | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 298,000 | $ 298,000 | $ 97,000 |
| Orlando-Kissimmee, FL | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Pocatello, ID | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 187,000 | $ 187,000 | $ 240,000 |
| Rockingham County-Strafford County, NH | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Salinas, CA | 1 | $ 910,000 | $ 910,000 | $ 192,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 336,000 | $ 336,000 | $ 107,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 410,000 | $ 410,000 | $ 240,000 |
| Springfield, MA | 1 | $ 236,000 | $ 236,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Tulsa, OK | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Wilmington, DE-MD-NJ | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Yuba City, CA | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Yuma, AZ | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
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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