Refinance.Com Mortgage Lending & HMDA Data, 2003
In 2003, Refinance.Com of Syosset, NY reported 2,577 mortgage applications totaling $541.4 million. The average application was for $210,101, and applicants reported an average income of $79,519. 90% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Nassau-Suffolk, NY (953), New York, NY (626) and Boston, MA-NH (60) (applications in parentheses).
| 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 | $210,101 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $79,519 |
| Highest Applicant Income | $2,036,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Refinance.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nassau, New York | 487 | $ 120,773,000 | $ 247,993 | $ 94,000 |
| Suffolk, New York | 479 | $ 108,737,000 | $ 227,008 | $ 92,000 |
| Queens, New York | 251 | $ 61,279,000 | $ 244,139 | $ 67,000 |
| Kings, New York | 132 | $ 33,133,000 | $ 251,007 | $ 85,000 |
| Richmond, New York | 80 | $ 17,342,000 | $ 216,775 | $ 64,000 |
| Bronx, New York | 58 | $ 13,852,000 | $ 238,827 | $ 76,000 |
| Westchester, New York | 57 | $ 18,472,000 | $ 324,070 | $ 178,000 |
| Orange, New York | 47 | $ 8,105,000 | $ 172,446 | $ 84,000 |
| Fairfield, Connecticut | 39 | $ 9,686,000 | $ 248,358 | $ 80,000 |
| Broward, Florida | 37 | $ 5,921,000 | $ 160,027 | $ 78,000 |
| New Haven, Connecticut | 36 | $ 5,863,000 | $ 162,861 | $ 62,000 |
| Middlesex, Massachusetts | 34 | $ 7,922,000 | $ 233,000 | $ 127,000 |
| Rockland, New York | 31 | $ 7,028,000 | $ 226,709 | $ 85,000 |
| Miami-Dade, Florida | 29 | $ 5,507,000 | $ 189,896 | $ 113,000 |
| Hartford, Connecticut | 22 | $ 3,199,000 | $ 145,409 | $ 77,000 |
| Palm Beach, Florida | 22 | $ 3,534,000 | $ 160,636 | $ 88,000 |
| Brevard, Florida | 21 | $ 2,789,000 | $ 132,809 | $ 52,000 |
| Dutchess, New York | 20 | $ 4,259,000 | $ 212,950 | $ 77,000 |
| Volusia, Florida | 18 | $ 2,257,000 | $ 125,388 | $ 54,000 |
| Worcester, Massachusetts | 18 | $ 2,907,000 | $ 161,500 | $ 78,000 |
| New York, New York | 16 | $ 4,540,000 | $ 283,750 | $ 128,000 |
| Orange, Florida | 15 | $ 1,938,000 | $ 129,200 | $ 54,000 |
| Albany, New York | 15 | $ 2,154,000 | $ 143,600 | $ 66,000 |
| Pinellas, Florida | 14 | $ 2,229,000 | $ 159,214 | $ 73,000 |
| Essex, Massachusetts | 14 | $ 3,044,000 | $ 217,428 | $ 70,000 |
| Monroe, New York | 14 | $ 1,760,000 | $ 125,714 | $ 67,000 |
| Putnam, New York | 14 | $ 2,644,000 | $ 188,857 | $ 86,000 |
| Lee, Florida | 13 | $ 1,620,000 | $ 124,615 | $ 53,000 |
| Leon, Florida | 13 | $ 1,618,000 | $ 124,461 | $ 74,000 |
| Ulster, New York | 13 | $ 1,782,000 | $ 137,076 | $ 60,000 |
| Hillsborough, Florida | 12 | $ 1,643,000 | $ 136,916 | $ 41,000 |
| Bristol, Massachusetts | 12 | $ 2,086,000 | $ 173,833 | $ 80,000 |
| New London, Connecticut | 11 | $ 1,373,000 | $ 124,818 | $ 71,000 |
| Saratoga, New York | 11 | $ 1,572,000 | $ 142,909 | $ 65,000 |
| Sarasota, Florida | 10 | $ 1,441,000 | $ 144,100 | $ 113,000 |
| Norfolk, Massachusetts | 10 | $ 2,779,000 | $ 277,900 | $ 102,000 |
| Erie, New York | 10 | $ 1,145,000 | $ 114,500 | $ 57,000 |
| Duval, Florida | 9 | $ 1,084,000 | $ 120,444 | $ 30,000 |
| St. Lucie, Florida | 9 | $ 1,155,000 | $ 128,333 | $ 52,000 |
| Onondaga, New York | 9 | $ 1,032,000 | $ 114,666 | $ 63,000 |
| Hampden, Massachusetts | 8 | $ 1,229,000 | $ 153,625 | $ 62,000 |
| Plymouth, Massachusetts | 8 | $ 1,595,000 | $ 199,375 | $ 61,000 |
| Rensselaer, New York | 8 | $ 911,000 | $ 113,875 | $ 47,000 |
| Wayne, New York | 8 | $ 919,000 | $ 114,875 | $ 93,000 |
| Charlotte, Florida | 7 | $ 1,202,000 | $ 171,714 | $ 67,000 |
| Collier, Florida | 7 | $ 1,239,000 | $ 177,000 | $ 62,000 |
| Polk, Florida | 7 | $ 641,000 | $ 91,571 | $ 41,000 |
| Sullivan, New York | 7 | $ 869,000 | $ 124,142 | $ 74,000 |
| Litchfield, Connecticut | 6 | $ 1,017,000 | $ 169,500 | $ 74,000 |
| Middlesex, Connecticut | 6 | $ 1,192,000 | $ 198,666 | $ 137,000 |
| Alachua, Florida | 6 | $ 726,000 | $ 121,000 | $ 79,000 |
| Marion, Florida | 6 | $ 516,000 | $ 86,000 | $ 42,000 |
| Suffolk, Massachusetts | 6 | $ 1,407,000 | $ 234,500 | $ 73,000 |
| Broome, New York | 6 | $ 409,000 | $ 68,166 | $ 62,000 |
| Columbia, New York | 6 | $ 641,000 | $ 106,833 | $ 61,000 |
| Greene, New York | 6 | $ 589,000 | $ 98,166 | $ 85,000 |
| Niagara, New York | 6 | $ 635,000 | $ 105,833 | $ 58,000 |
| Oneida, New York | 6 | $ 549,000 | $ 91,500 | $ 65,000 |
| Clay, Florida | 5 | $ 681,000 | $ 136,200 | $ 77,000 |
| Martin, Florida | 5 | $ 800,000 | $ 160,000 | $ 73,000 |
| Seminole, Florida | 5 | $ 640,000 | $ 128,000 | $ 36,000 |
| Franklin, New York | 5 | $ 391,000 | $ 78,200 | $ 48,000 |
| Genesee, New York | 5 | $ 445,000 | $ 89,000 | $ 59,000 |
| Otsego, New York | 5 | $ 416,000 | $ 83,200 | $ 50,000 |
| Schenectady, New York | 5 | $ 674,000 | $ 134,800 | $ 97,000 |
| Beaufort, South Carolina | 5 | $ 687,000 | $ 137,400 | $ 62,000 |
| Greenville, South Carolina | 5 | $ 495,000 | $ 99,000 | $ 79,000 |
| Tolland, Connecticut | 4 | $ 606,000 | $ 151,500 | $ 62,000 |
| Lake, Florida | 4 | $ 380,000 | $ 95,000 | $ 51,000 |
| Walton, Florida | 4 | $ 1,007,000 | $ 251,750 | $ 64,000 |
| Barnstable, Massachusetts | 4 | $ 850,000 | $ 212,500 | $ 143,000 |
| Delaware, New York | 4 | $ 370,000 | $ 92,500 | $ 42,000 |
| Herkimer, New York | 4 | $ 487,000 | $ 121,750 | $ 62,000 |
| St. Lawrence, New York | 4 | $ 314,000 | $ 78,500 | $ 36,000 |
| Windham, Connecticut | 3 | $ 344,000 | $ 114,666 | $ 62,000 |
| Bay, Florida | 3 | $ 332,000 | $ 110,666 | $ 50,000 |
| Escambia, Florida | 3 | $ 319,000 | $ 106,333 | $ 53,000 |
| Flagler, Florida | 3 | $ 889,000 | $ 296,333 | $ 92,000 |
| Hardee, Florida | 3 | $ 336,000 | $ 112,000 | $ 57,000 |
| Hernando, Florida | 3 | $ 302,000 | $ 100,666 | $ 38,000 |
| Manatee, Florida | 3 | $ 533,000 | $ 177,666 | $ 51,000 |
| Osceola, Florida | 3 | $ 233,000 | $ 77,666 | $ 86,000 |
| Pasco, Florida | 3 | $ 347,000 | $ 115,666 | $ 55,000 |
| Putnam, Florida | 3 | $ 159,000 | $ 53,000 | $ 35,000 |
| St. Johns, Florida | 3 | $ 504,000 | $ 168,000 | $ 88,000 |
| Sumter, Florida | 3 | $ 256,000 | $ 85,333 | $ 48,000 |
| LaPorte, Indiana | 3 | $ 368,000 | $ 122,666 | $ 44,000 |
| Montgomery, New York | 3 | $ 268,000 | $ 89,333 | $ 58,000 |
| Ontario, New York | 3 | $ 216,000 | $ 72,000 | $ 94,000 |
| Oswego, New York | 3 | $ 245,000 | $ 81,666 | $ 59,000 |
| Tioga, New York | 3 | $ 151,000 | $ 50,333 | $ 49,000 |
| Washington, New York | 3 | $ 283,000 | $ 94,333 | $ 60,000 |
| Arapahoe, Colorado | 2 | $ 262,000 | $ 131,000 | $ 70,000 |
| Columbia, Florida | 2 | $ 295,000 | $ 147,500 | $ 80,000 |
| Highlands, Florida | 2 | $ 176,000 | $ 88,000 | $ 75,000 |
| Indian River, Florida | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Okaloosa, Florida | 2 | $ 212,000 | $ 106,000 | $ 42,000 |
| Santa Rosa, Florida | 2 | $ 333,000 | $ 166,500 | $ 83,000 |
| Hendricks, Indiana | 2 | $ 283,000 | $ 141,500 | $ 50,000 |
| Berkshire, Massachusetts | 2 | $ 241,000 | $ 120,500 | $ 64,000 |
| Hennepin, Minnesota | 2 | $ 556,000 | $ 278,000 | $ 79,000 |
| Steele, Minnesota | 2 | $ 202,000 | $ 101,000 | $ 36,000 |
| Cayuga, New York | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Chautauqua, New York | 2 | $ 266,000 | $ 133,000 | $ 62,000 |
| Chemung, New York | 2 | $ 123,000 | $ 61,500 | $ 30,000 |
| Clinton, New York | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Essex, New York | 2 | $ 258,000 | $ 129,000 | $ 49,000 |
| Tompkins, New York | 2 | $ 203,000 | $ 101,500 | $ 48,000 |
| Berkeley, South Carolina | 2 | $ 181,000 | $ 90,500 | $ 45,000 |
| Charleston, South Carolina | 2 | $ 266,000 | $ 133,000 | $ 65,000 |
| Greenwood, South Carolina | 2 | $ 238,000 | $ 119,000 | $ 69,000 |
| Horry, South Carolina | 2 | $ 262,000 | $ 131,000 | $ 87,000 |
| Adams, Colorado | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| El Paso, Colorado | 1 | $ 370,000 | $ 370,000 | $ 98,000 |
| La Plata, Colorado | 1 | $ 204,000 | $ 204,000 | $ 39,000 |
| Mesa, Colorado | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Summit, Colorado | 1 | $ 323,000 | $ 323,000 | $ 86,000 |
| Baker, Florida | 1 | $ 400,000 | $ 400,000 | $ 145,000 |
| Citrus, Florida | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| DeSoto, Florida | 1 | $ 133,000 | $ 133,000 | $ 120,000 |
| Franklin, Florida | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Glades, Florida | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Nassau, Florida | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Suwannee, Florida | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Washington, Florida | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Clay, Indiana | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Delaware, Indiana | 1 | $ 84,000 | $ 84,000 | $ 67,000 |
| Elkhart, Indiana | 1 | $ 99,000 | $ 99,000 | $ 64,000 |
| Hancock, Indiana | 1 | $ 172,000 | $ 172,000 | $ 80,000 |
| Harrison, Indiana | 1 | $ 234,000 | $ 234,000 | $ 82,000 |
| Huntington, Indiana | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Johnson, Indiana | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Kosciusko, Indiana | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Lake, Indiana | 1 | $ 157,000 | $ 157,000 | $ 73,000 |
| Madison, Indiana | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Marion, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Noble, Indiana | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| Tipton, Indiana | 1 | $ 69,000 | $ 69,000 | $ 53,000 |
| Warren, Indiana | 1 | $ 199,000 | $ 199,000 | $ 73,000 |
| Wayne, Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Franklin, Massachusetts | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Anoka, Minnesota | 1 | $ 252,000 | $ 252,000 | $ 51,000 |
| Koochiching, Minnesota | 1 | $ 111,000 | $ 111,000 | $ 49,000 |
| St. Louis, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Cattaraugus, New York | 1 | $ 124,000 | $ 124,000 | $ 108,000 |
| Chenango, New York | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Hamilton, New York | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Jefferson, New York | 1 | $ 126,000 | $ 126,000 | $ 99,000 |
| Madison, New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Schoharie, New York | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Seneca, New York | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Steuben, New York | 1 | $ 59,000 | $ 59,000 | $ 43,000 |
| Warren, New York | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Dorchester, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Lexington, South Carolina | 1 | $ 76,000 | $ 76,000 | $ 20,000 |
| York, 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.
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