Stanley Capital Mtg. Co., Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Stanley Capital Mtg. Co., Inc. of Englewood Cliffs, NJ reported 1,801 mortgage applications totaling $482.1 million. The average application was for $267,695, and applicants reported an average income of $138,076. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (774), Edison, NJ (300) and Newark-Union, NJ-PA (253) (applications in parentheses).
| Mortgage Company & Address | Stanley Capital Mtg. Co., Inc. 270 Sylvan Avenue Suite 260 Englewood Cliffs, NJ 07632 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,801 |
| Total Mortgage Loan Application Amount | $482,119,000 |
| Average Mortgage Loan Application Amount | $267,695 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $138,076 |
| Highest Applicant Income | $1,128,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stanley Capital Mtg. Co., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 774 | $ 235,534,000 | $ 304,307 | $ 150,186 |
| Edison, NJ | 300 | $ 73,701,000 | $ 245,670 | $ 132,000 |
| Newark-Union, NJ-PA | 253 | $ 65,452,000 | $ 258,703 | $ 129,098 |
| Nassau-Suffolk, NY | 105 | $ 32,949,000 | $ 313,800 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 55 | $ 15,590,000 | $ 283,454 | $ 175,000 |
| Miami-Miami Beach-Kendall, FL | 51 | $ 12,101,000 | $ 237,274 | $ 149,000 |
| Camden, NJ | 39 | $ 6,289,000 | $ 161,256 | $ 69,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 23 | $ 6,849,000 | $ 297,782 | $ 139,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 18 | $ 2,850,000 | $ 158,333 | $ 109,722 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 16 | $ 4,195,000 | $ 262,187 | $ 160,000 |
| Philadelphia, PA | 14 | $ 1,719,000 | $ 122,785 | $ 82,000 |
| Rochester, NY | 13 | $ 866,000 | $ 66,615 | $ 120,000 |
| Trenton-Ewing, NJ | 13 | $ 1,685,000 | $ 129,615 | $ 60,000 |
| New Haven-Milford, CT | 9 | $ 1,592,000 | $ 176,888 | $ 115,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 1,117,000 | $ 139,625 | $ 89,000 |
| Kingston, NY | 7 | $ 966,000 | $ 138,000 | $ 133,000 |
| Atlantic City, NJ | 6 | $ 1,006,000 | $ 167,666 | $ 69,000 |
| Orlando-Kissimmee, FL | 6 | $ 1,242,000 | $ 207,000 | $ 142,000 |
| Boston-Quincy, MA | 5 | $ 1,287,000 | $ 257,400 | $ 148,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 932,000 | $ 186,400 | $ 78,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 893,000 | $ 223,250 | $ 108,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 888,000 | $ 222,000 | $ 120,000 |
| Syracuse, NY | 4 | $ 411,000 | $ 102,750 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 918,000 | $ 229,500 | $ 108,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 235,000 | $ 78,333 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 563,000 | $ 187,666 | $ 98,000 |
| Jacksonville, FL | 3 | $ 535,000 | $ 178,333 | $ 102,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 637,000 | $ 212,333 | $ 115,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 378,000 | $ 126,000 | $ 51,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 520,000 | $ 173,333 | $ 90,000 |
| Indianapolis-Carmel, IN | 2 | $ 229,000 | $ 114,500 | $ 86,000 |
| Lakeland, FL | 2 | $ 306,000 | $ 153,000 | $ 129,000 |
| Punta Gorda, FL | 2 | $ 360,000 | $ 180,000 | $ 158,000 |
| Utica-Rome, NY | 2 | $ 306,000 | $ 153,000 | $ 132,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 268,000 | $ 268,000 | $ 94,000 |
| Colorado Springs, CO | 1 | $ 279,000 | $ 279,000 | $ 64,000 |
| Norwich-New London, CT | 1 | $ 260,000 | $ 260,000 | $ 82,000 |
| Pittsburgh, PA | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 238,000 | $ 238,000 | $ 100,000 |
| Richmond, VA | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 238,000 | $ 238,000 | $ 324,000 |
Mortgage Loan Application Detail Totals for Stanley Capital Mtg. Co., Inc. 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 | 906 | $229,246,000 | $253,000 | $1,760,000 | $144,000 | $1,128,000 |
| Refinancing | 894 | $252,788,000 | $282,000 | $1,480,000 | $132,000 | $900,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $203,000 | $203,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,262 | $341,645,000 | $270,000 | $1,760,000 | $144,000 | $1,128,000 |
| Hispanic | 491 | $127,493,000 | $259,000 | $960,000 | $124,000 | $600,000 |
| White | 42 | $11,625,000 | $276,000 | $825,000 | $137,000 | $713,000 |
| Black or African American | 6 | $1,356,000 | $226,000 | $416,000 | $123,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 1,799 | $481,862,000 | $267,000 | $1,760,000 | $138,000 | $1,128,000 |
| FHA-insured (Federal Housing Administration) | 2 | $257,000 | $128,000 | $172,000 | $48,000 | $54,000 |
| 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 | 1,361 | $370,142,000 | $271,000 | $1,760,000 | $139,000 | $1,128,000 |
| Application Withdrawn By Applicant | 409 | $103,610,000 | $253,000 | $1,298,000 | $134,000 | $713,000 |
| Application Denied By Financial Institution | 31 | $8,367,000 | $269,000 | $960,000 | $134,000 | $600,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $2,043,000 | $227,000 | $408,000 | $112,000 | $152,000 |
| Other | 7 | $1,623,000 | $231,000 | $605,000 | $177,000 | $600,000 |
| Employment History | 4 | $836,000 | $209,000 | $312,000 | $87,000 | $101,000 |
| Unverifiable Information | 2 | $681,000 | $340,000 | $495,000 | $123,000 | $166,000 |
| Collateral | 1 | $211,000 | $211,000 | $211,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $396,000 | $396,000 | $396,000 | $118,000 | $118,000 |
| Debt-To-Income Ratio | 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 Stanley Capital Mtg. Co., Inc.'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 Stanley Capital Mtg. Co., Inc.'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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