Sunnyside Federal Sla of Irvin Mortgage Lending & HMDA Data, 2015
In 2015, Sunnyside Federal Sla of Irvin of Irvington, NY reported 12 mortgage applications totaling $4.3 million, down 37% from 2014. The average application was for $361,833, and applicants reported an average income of $156,250. 33% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (10), Dutchess County-Putnam County, NY (1) and Nassau County-Suffolk County, NY (1) (applications in parentheses).
| Mortgage Company & Address | Sunnyside Federal Sla of Irvin 56 Main Street Irvington, NY 10533 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 12 |
| Total Mortgage Loan Application Amount | $4,342,000 |
| Average Mortgage Loan Application Amount | $361,833 |
| Highest Mortgage Loan Application Amount | $1,388,000 |
| Average Applicant Income | $156,250 |
| Highest Applicant Income | $377,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sunnyside Federal Sla of Irvin filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Sunnyside Federal Sla of Irvin in 2015
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 | 6 | $1,583,000 | $263,000 | $480,000 | $139,000 | $227,000 |
| Home Improvement | 3 | $580,000 | $193,000 | $280,000 | $249,000 | $377,000 |
| Home Purchase | 3 | $2,179,000 | $726,000 | $1,388,000 | $98,000 | $205,000 |
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 | 10 | $2,674,000 | $267,000 | $511,000 | $167,000 | $377,000 |
| Not applicable | 1 | $1,388,000 | $1,388,000 | $1,388,000 | $0 | $0 |
| Hispanic | 1 | $280,000 | $280,000 | $280,000 | $205,000 | $205,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 12 | $4,342,000 | $361,000 | $1,388,000 | $156,000 | $377,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 5 | $2,629,000 | $525,000 | $1,388,000 | $149,000 | $227,000 |
| Loan Originated | 4 | $688,000 | $172,000 | $280,000 | $208,000 | $377,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $55,000 | $55,000 |
| Application Approved But Not Accepted | 1 | $480,000 | $480,000 | $480,000 | $106,000 | $106,000 |
| Application Denied By Financial Institution | 1 | $370,000 | $370,000 | $370,000 | $140,000 | $140,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $370,000 | $370,000 | $370,000 | $140,000 | $140,000 |
| Employment 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sunnyside Federal Sla of Irvin's 2015 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 Sunnyside Federal Sla of Irvin'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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