Staten Island Bank & T C/O Icb Mortgage Lending & HMDA Data, 2003
In 2003, Staten Island Bank & T C/O Icb of Brooklyn, NY reported 4,300 mortgage applications totaling $1.4 billion. The average application was for $315,927, and applicants reported an average income of $123,848. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York, NY (3,677), Nassau-Suffolk, NY (261) and Monmouth-Ocean, NJ (132) (applications in parentheses).
| Mortgage Company & Address | Staten Island Bank & T C/O Icb 195 Montague Street Brooklyn, NY 11201 |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 4,300 |
| Total Mortgage Loan Application Amount | $1,358,489,000 |
| Average Mortgage Loan Application Amount | $315,927 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $123,848 |
| Highest Applicant Income | $9,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Staten Island Bank & T C/O Icb filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, NY | 3,677 | $ 1,124,855,000 | $ 305,916 | $ 105,000 |
| Nassau-Suffolk, NY | 261 | $ 113,648,000 | $ 435,432 | $ 158,000 |
| Monmouth-Ocean, NJ | 132 | $ 40,132,000 | $ 304,030 | $ 84,000 |
| Newark, NJ | 62 | $ 21,806,000 | $ 351,709 | $ 86,000 |
| Middlesex-Somerset-Hunterdon, NJ | 52 | $ 12,885,000 | $ 247,788 | $ 113,000 |
| Bergen-Passaic, NJ | 43 | $ 17,706,000 | $ 411,767 | $ 108,000 |
| Jersey City, NJ | 21 | $ 11,348,000 | $ 540,380 | $ 126,000 |
| Newburgh, NY-PA | 18 | $ 5,941,000 | $ 330,055 | $ 59,000 |
| Dutchess County, NY | 9 | $ 3,064,000 | $ 340,444 | $ 195,000 |
| Trenton, NJ | 9 | $ 3,648,000 | $ 405,333 | $ 178,000 |
| Atlantic-Cape May, NJ | 6 | $ 1,645,000 | $ 274,166 | $ 201,000 |
| Elmira, NY | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Staten Island Bank & T C/O Icb 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,713 | $794,357,000 | $308,500 | $2,100,000 | $133,000 | $9,600,000 |
| Home Purchase (one-to-four family) | 1,435 | $526,342,000 | $342,000 | $1,600,000 | $106,000 | $4,649,000 |
| Home Improvement (one-to-four family) | 82 | $3,266,000 | $31,500 | $100,000 | $39,500 | $172,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 70 | $34,524,000 | $608,000 | $5,000,000 | $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 | 3,670 | $1,145,044,000 | $307,500 | $2,100,000 | $114,500 | $9,600,000 |
| Information not provided by applicant in mail or telephone application | 261 | $84,245,000 | $375,500 | $1,000,000 | $147,500 | $1,433,000 |
| Asian or Pacific Islander | 115 | $43,103,000 | $376,500 | $1,000,000 | $98,500 | $593,000 |
| Hispanic | 91 | $26,210,000 | $273,000 | $1,000,000 | $67,000 | $798,000 |
| Not applicable | 61 | $30,642,000 | $989,500 | $5,000,000 | $59,500 | $3,308,000 |
| Other | 54 | $18,513,000 | $319,000 | $900,000 | $78,000 | $1,581,000 |
| Black | 44 | $9,384,000 | $259,500 | $900,000 | $163,000 | $1,159,000 |
| American Indian or Alaskan Native | 4 | $1,348,000 | $551,000 | $980,000 | $16,000 | $65,000 |
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) | 4,300 | $1,358,489,000 | $324,000 | $5,000,000 | $111,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,399 | $1,043,248,000 | $314,000 | $2,100,000 | $116,000 | $9,600,000 |
| Application Approved But Not Accepted | 501 | $190,706,000 | $362,000 | $1,140,000 | $142,500 | $2,149,000 |
| Application Denied By Financial Institution | 328 | $103,245,000 | $354,500 | $5,000,000 | $79,000 | $1,994,000 |
| Application Withdrawn By Applicant | 72 | $21,290,000 | $262,500 | $1,000,000 | $147,000 | $1,335,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 101 | $32,792,000 | $434,500 | $5,000,000 | $71,500 | $623,000 |
| Credit History | 74 | $20,655,000 | $291,000 | $1,000,000 | $70,500 | $426,000 |
| Credit Application Incomplete | 73 | $27,022,000 | $386,500 | $1,000,000 | $74,500 | $1,994,000 |
| Other | 35 | $10,853,000 | $257,000 | $1,000,000 | $116,000 | $1,245,000 |
| Debt-To-Income Ratio | 19 | $4,297,000 | $131,000 | $825,000 | $34,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,827,000 | $281,500 | $650,000 | $63,500 | $294,000 |
| Employment History | 9 | $2,094,000 | $246,500 | $384,000 | $90,000 | $134,000 |
| Unverifiable Information | 1 | $705,000 | $705,000 | $705,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Staten Island Bank & T C/O Icb'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 Staten Island Bank & T C/O Icb'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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