Refinance.Com
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Refinance.Com 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Refinance.Com 60 Oak Drive Syosset, NY 11791 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2004 2003 |
| Total Number of Mortgage Applications | 2,577 |
| Total Mortgage Loan Application Amount | $541,431,000 |
| Average Mortgage Loan Application Amount | $178,400 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $163,150 |
| Highest Applicant Income | $2,036,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Refinance.Com. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Refinance.Com's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Refinance.Com's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Refinance.Com serves its applicants.
Each category highlights the total number of mortgage applications processed by Refinance.Com, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Refinance.Com's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County New York | 487 | $ 120,773,000 | $ 247,000 | $ 94,000 |
| Suffolk County New York | 479 | $ 108,737,000 | $ 227,000 | $ 92,000 |
| Queens County New York | 251 | $ 61,279,000 | $ 244,000 | $ 67,000 |
| Kings County New York | 132 | $ 33,133,000 | $ 251,000 | $ 85,000 |
| Richmond County New York | 80 | $ 17,342,000 | $ 216,000 | $ 64,000 |
| Bronx County New York | 58 | $ 13,852,000 | $ 238,000 | $ 76,000 |
| Westchester County New York | 57 | $ 18,472,000 | $ 324,000 | $ 178,000 |
| Orange County New York | 47 | $ 8,105,000 | $ 172,000 | $ 84,000 |
| Fairfield County Connecticut | 39 | $ 9,686,000 | $ 248,000 | $ 80,000 |
| Broward County Florida | 37 | $ 5,921,000 | $ 160,000 | $ 78,000 |
| New Haven County Connecticut | 36 | $ 5,863,000 | $ 162,000 | $ 62,000 |
| Middlesex County Massachusetts | 34 | $ 7,922,000 | $ 233,000 | $ 127,000 |
| Rockland County New York | 31 | $ 7,028,000 | $ 226,000 | $ 85,000 |
| Miami-Dade County Florida | 29 | $ 5,507,000 | $ 189,000 | $ 113,000 |
| Hartford County Connecticut | 22 | $ 3,199,000 | $ 145,000 | $ 77,000 |
| Palm Beach County Florida | 22 | $ 3,534,000 | $ 160,000 | $ 88,000 |
| Brevard County Florida | 21 | $ 2,789,000 | $ 132,000 | $ 52,000 |
| Dutchess County New York | 20 | $ 4,259,000 | $ 212,000 | $ 77,000 |
| Volusia County Florida | 18 | $ 2,257,000 | $ 125,000 | $ 54,000 |
| Worcester County Massachusetts | 18 | $ 2,907,000 | $ 161,000 | $ 78,000 |
| New York County New York | 16 | $ 4,540,000 | $ 283,000 | $ 128,000 |
| Orange County Florida | 15 | $ 1,938,000 | $ 129,000 | $ 54,000 |
| Albany County New York | 15 | $ 2,154,000 | $ 143,000 | $ 66,000 |
| Pinellas County Florida | 14 | $ 2,229,000 | $ 159,000 | $ 73,000 |
| Essex County Massachusetts | 14 | $ 3,044,000 | $ 217,000 | $ 70,000 |
| Monroe County New York | 14 | $ 1,760,000 | $ 125,000 | $ 67,000 |
| Putnam County New York | 14 | $ 2,644,000 | $ 188,000 | $ 86,000 |
| Lee County Florida | 13 | $ 1,620,000 | $ 124,000 | $ 53,000 |
| Leon County Florida | 13 | $ 1,618,000 | $ 124,000 | $ 74,000 |
| Ulster County New York | 13 | $ 1,782,000 | $ 137,000 | $ 60,000 |
| Hillsborough County Florida | 12 | $ 1,643,000 | $ 136,000 | $ 41,000 |
| Bristol County Massachusetts | 12 | $ 2,086,000 | $ 173,000 | $ 80,000 |
| New London County Connecticut | 11 | $ 1,373,000 | $ 124,000 | $ 71,000 |
| Saratoga County New York | 11 | $ 1,572,000 | $ 142,000 | $ 65,000 |
| Sarasota County Florida | 10 | $ 1,441,000 | $ 144,000 | $ 113,000 |
| Norfolk County Massachusetts | 10 | $ 2,779,000 | $ 277,000 | $ 102,000 |
| Erie County New York | 10 | $ 1,145,000 | $ 114,000 | $ 57,000 |
| Duval County Florida | 9 | $ 1,084,000 | $ 120,000 | $ 30,000 |
| St. Lucie County Florida | 9 | $ 1,155,000 | $ 128,000 | $ 52,000 |
| Onondaga County New York | 9 | $ 1,032,000 | $ 114,000 | $ 63,000 |
| Hampden County Massachusetts | 8 | $ 1,229,000 | $ 153,000 | $ 62,000 |
| Plymouth County Massachusetts | 8 | $ 1,595,000 | $ 199,000 | $ 61,000 |
| Rensselaer County New York | 8 | $ 911,000 | $ 113,000 | $ 47,000 |
| Wayne County New York | 8 | $ 919,000 | $ 114,000 | $ 93,000 |
| Charlotte County Florida | 7 | $ 1,202,000 | $ 171,000 | $ 67,000 |
| Collier County Florida | 7 | $ 1,239,000 | $ 177,000 | $ 62,000 |
| Polk County Florida | 7 | $ 641,000 | $ 91,000 | $ 41,000 |
| Sullivan County New York | 7 | $ 869,000 | $ 124,000 | $ 74,000 |
| Litchfield County Connecticut | 6 | $ 1,017,000 | $ 169,000 | $ 74,000 |
| Middlesex County Connecticut | 6 | $ 1,192,000 | $ 198,000 | $ 137,000 |
| Alachua County Florida | 6 | $ 726,000 | $ 121,000 | $ 79,000 |
| Marion County Florida | 6 | $ 516,000 | $ 86,000 | $ 42,000 |
| Suffolk County Massachusetts | 6 | $ 1,407,000 | $ 234,000 | $ 73,000 |
| Broome County New York | 6 | $ 409,000 | $ 68,000 | $ 62,000 |
| Columbia County New York | 6 | $ 641,000 | $ 106,000 | $ 61,000 |
| Greene County New York | 6 | $ 589,000 | $ 98,000 | $ 85,000 |
| Niagara County New York | 6 | $ 635,000 | $ 105,000 | $ 58,000 |
| Oneida County New York | 6 | $ 549,000 | $ 91,000 | $ 65,000 |
| Clay County Florida | 5 | $ 681,000 | $ 136,000 | $ 77,000 |
| Martin County Florida | 5 | $ 800,000 | $ 160,000 | $ 73,000 |
| Seminole County Florida | 5 | $ 640,000 | $ 128,000 | $ 36,000 |
| Franklin County New York | 5 | $ 391,000 | $ 78,000 | $ 48,000 |
| Genesee County New York | 5 | $ 445,000 | $ 89,000 | $ 59,000 |
| Otsego County New York | 5 | $ 416,000 | $ 83,000 | $ 50,000 |
| Schenectady County New York | 5 | $ 674,000 | $ 134,000 | $ 97,000 |
| Beaufort County South Carolina | 5 | $ 687,000 | $ 137,000 | $ 62,000 |
| Greenville County South Carolina | 5 | $ 495,000 | $ 99,000 | $ 79,000 |
| Tolland County Connecticut | 4 | $ 606,000 | $ 151,000 | $ 62,000 |
| Lake County Florida | 4 | $ 380,000 | $ 95,000 | $ 51,000 |
| Walton County Florida | 4 | $ 1,007,000 | $ 251,000 | $ 64,000 |
| Barnstable County Massachusetts | 4 | $ 850,000 | $ 212,000 | $ 143,000 |
| Delaware County New York | 4 | $ 370,000 | $ 92,000 | $ 42,000 |
| Herkimer County New York | 4 | $ 487,000 | $ 121,000 | $ 62,000 |
| St. Lawrence County New York | 4 | $ 314,000 | $ 78,000 | $ 36,000 |
| Windham County Connecticut | 3 | $ 344,000 | $ 114,000 | $ 62,000 |
| Bay County Florida | 3 | $ 332,000 | $ 110,000 | $ 50,000 |
| Escambia County Florida | 3 | $ 319,000 | $ 106,000 | $ 53,000 |
| Flagler County Florida | 3 | $ 889,000 | $ 296,000 | $ 92,000 |
| Hardee County Florida | 3 | $ 336,000 | $ 112,000 | $ 57,000 |
| Hernando County Florida | 3 | $ 302,000 | $ 100,000 | $ 38,000 |
| Manatee County Florida | 3 | $ 533,000 | $ 177,000 | $ 51,000 |
| Osceola County Florida | 3 | $ 233,000 | $ 77,000 | $ 86,000 |
| Pasco County Florida | 3 | $ 347,000 | $ 115,000 | $ 55,000 |
| Putnam County Florida | 3 | $ 159,000 | $ 53,000 | $ 35,000 |
| St. Johns County Florida | 3 | $ 504,000 | $ 168,000 | $ 88,000 |
| Sumter County Florida | 3 | $ 256,000 | $ 85,000 | $ 48,000 |
| LaPorte County Indiana | 3 | $ 368,000 | $ 122,000 | $ 44,000 |
| Montgomery County New York | 3 | $ 268,000 | $ 89,000 | $ 58,000 |
| Ontario County New York | 3 | $ 216,000 | $ 72,000 | $ 94,000 |
| Oswego County New York | 3 | $ 245,000 | $ 81,000 | $ 59,000 |
| Tioga County New York | 3 | $ 151,000 | $ 50,000 | $ 49,000 |
| Washington County New York | 3 | $ 283,000 | $ 94,000 | $ 60,000 |
| Arapahoe County Colorado | 2 | $ 262,000 | $ 131,000 | $ 70,000 |
| Columbia County Florida | 2 | $ 295,000 | $ 147,000 | $ 80,000 |
| Highlands County Florida | 2 | $ 176,000 | $ 88,000 | $ 75,000 |
| Indian River County Florida | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Okaloosa County Florida | 2 | $ 212,000 | $ 106,000 | $ 42,000 |
| Santa Rosa County Florida | 2 | $ 333,000 | $ 166,000 | $ 83,000 |
| Hendricks County Indiana | 2 | $ 283,000 | $ 141,000 | $ 50,000 |
| Berkshire County Massachusetts | 2 | $ 241,000 | $ 120,000 | $ 64,000 |
| Hennepin County Minnesota | 2 | $ 556,000 | $ 278,000 | $ 79,000 |
| Steele County Minnesota | 2 | $ 202,000 | $ 101,000 | $ 36,000 |
| Cayuga County New York | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Chautauqua County New York | 2 | $ 266,000 | $ 133,000 | $ 62,000 |
| Chemung County New York | 2 | $ 123,000 | $ 61,000 | $ 30,000 |
| Clinton County New York | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Essex County New York | 2 | $ 258,000 | $ 129,000 | $ 49,000 |
| Tompkins County New York | 2 | $ 203,000 | $ 101,000 | $ 48,000 |
| Berkeley County South Carolina | 2 | $ 181,000 | $ 90,000 | $ 45,000 |
| Charleston County South Carolina | 2 | $ 266,000 | $ 133,000 | $ 65,000 |
| Greenwood County South Carolina | 2 | $ 238,000 | $ 119,000 | $ 69,000 |
| Horry County South Carolina | 2 | $ 262,000 | $ 131,000 | $ 87,000 |
| Adams County Colorado | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| El Paso County Colorado | 1 | $ 370,000 | $ 370,000 | $ 98,000 |
| La Plata County Colorado | 1 | $ 204,000 | $ 204,000 | $ 39,000 |
| Mesa County Colorado | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Summit County Colorado | 1 | $ 323,000 | $ 323,000 | $ 86,000 |
| Baker County Florida | 1 | $ 400,000 | $ 400,000 | $ 145,000 |
| Citrus County Florida | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| DeSoto County Florida | 1 | $ 133,000 | $ 133,000 | $ 120,000 |
| Franklin County Florida | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Glades County Florida | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Nassau County Florida | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Suwannee County Florida | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Washington County Florida | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Clay County Indiana | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Delaware County Indiana | 1 | $ 84,000 | $ 84,000 | $ 67,000 |
| Elkhart County Indiana | 1 | $ 99,000 | $ 99,000 | $ 64,000 |
| Hancock County Indiana | 1 | $ 172,000 | $ 172,000 | $ 80,000 |
| Harrison County Indiana | 1 | $ 234,000 | $ 234,000 | $ 82,000 |
| Huntington County Indiana | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Johnson County Indiana | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Kosciusko County Indiana | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Lake County Indiana | 1 | $ 157,000 | $ 157,000 | $ 73,000 |
| Madison County Indiana | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Marion County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Noble County Indiana | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| Tipton County Indiana | 1 | $ 69,000 | $ 69,000 | $ 53,000 |
| Warren County Indiana | 1 | $ 199,000 | $ 199,000 | $ 73,000 |
| Wayne County Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Franklin County Massachusetts | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Anoka County Minnesota | 1 | $ 252,000 | $ 252,000 | $ 51,000 |
| Koochiching County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 49,000 |
| St. Louis County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Cattaraugus County New York | 1 | $ 124,000 | $ 124,000 | $ 108,000 |
| Chenango County New York | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Hamilton County New York | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Jefferson County New York | 1 | $ 126,000 | $ 126,000 | $ 99,000 |
| Madison County New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Schoharie County New York | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Seneca County New York | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Steuben County New York | 1 | $ 59,000 | $ 59,000 | $ 43,000 |
| Warren County New York | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Dorchester County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Lexington County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 20,000 |
| York County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Refinance.Com in 2003
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 (one-to-four family) | 1,369 | $310,369,000 | $185,555 | $3,500,000 | $74,222 | $2,036,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1,207 | $230,894,000 | $173,000 | $1,620,000 | $259,500 | $2,005,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $168,000 | $168,000 | $168,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,725 | $353,259,000 | $179,444 | $3,500,000 | $73,222 | $2,036,000 |
| Black | 300 | $70,453,000 | $202,666 | $500,000 | $70,666 | $274,000 |
| Hispanic | 233 | $48,485,000 | $170,333 | $500,000 | $56,166 | $592,000 |
| Information not provided by applicant in mail or telephone application | 192 | $38,264,000 | $152,625 | $720,000 | $68,250 | $720,000 |
| Other | 59 | $14,185,000 | $196,200 | $843,000 | $63,200 | $216,000 |
| Asian or Pacific Islander | 47 | $13,013,000 | $265,000 | $1,000,000 | $115,000 | $704,000 |
| Not applicable | 19 | $3,571,000 | $165,200 | $450,000 | $71,000 | $362,000 |
| American Indian or Alaskan Native | 3 | $523,000 | $174,333 | $257,000 | $695,333 | $2,005,000 |
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) | 2,417 | $505,238,000 | $184,600 | $3,500,000 | $264,000 | $2,036,000 |
| FHA-insured (Federal Housing Administration) | 161 | $36,515,000 | $214,000 | $355,000 | $68,000 | $136,000 |
| 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 Originated | 2,327 | $471,062,000 | $182,900 | $1,700,000 | $262,400 | $2,036,000 |
| Application Withdrawn By Applicant | 122 | $31,317,000 | $269,333 | $1,620,000 | $102,333 | $704,000 |
| Application Approved But Not Accepted | 114 | $31,805,000 | $269,333 | $1,000,000 | $87,333 | $704,000 |
| Application Denied By Financial Institution | 12 | $6,814,000 | $423,000 | $3,500,000 | $150,500 | $1,077,000 |
| File Closed For Incompleteness | 2 | $470,000 | $235,000 | $320,000 | $23,000 | $46,000 |
| Loan Purchased By The Institution | 1 | $285,000 | $285,000 | $285,000 | $110,000 | $110,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $1,172,000 | $586,000 | $1,000,000 | $466,000 | $840,000 |
| Credit History | 2 | $591,000 | $295,000 | $325,000 | $77,000 | $84,000 |
| Debt-To-Income Ratio | 2 | $496,000 | $248,000 | $250,000 | $75,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $232,000 | $232,000 | $232,000 | $85,000 | $85,000 |
| Other | 1 | $3,500,000 | $3,500,000 | $3,500,000 | $1,077,000 | $1,077,000 |
| Unverifiable Information | 1 | $220,000 | $220,000 | $220,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Refinance.Com's 2003 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 Refinance.Com'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.