TD Bank Mortgage Lending & HMDA Data, 2012
In 2012, TD Bank of Mount Laurel, NJ reported 75,234 mortgage applications totaling $16.9 billion, up 33% from 2011. The average application was for $224,916, and applicants reported an average income of $140,334. 43% of its applications resulted in an originated loan and 45% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (9,799), Philadelphia, PA (7,187) and Camden, NJ (5,042) (applications in parentheses).
| Mortgage Company & Address | TD Bank Mount Laurel, NJ 08054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 75,234 |
| Total Mortgage Loan Application Amount | $16,921,350,000 |
| Average Mortgage Loan Application Amount | $224,916 |
| Highest Mortgage Loan Application Amount | $17,998,000 |
| Average Applicant Income | $140,334 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records TD Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 9,799 | $ 3,236,869,000 | $ 330,326 | $ 172,970 |
| Philadelphia, PA | 7,187 | $ 1,266,979,000 | $ 176,287 | $ 126,000 |
| Camden, NJ | 5,042 | $ 634,859,000 | $ 125,914 | $ 105,000 |
| Edison-New Brunswick, NJ | 4,961 | $ 1,066,753,000 | $ 215,027 | $ 138,000 |
| Newark-Union, NJ-PA | 2,716 | $ 719,131,000 | $ 264,775 | $ 171,319 |
| Nassau-Suffolk, NY | 2,545 | $ 782,013,000 | $ 307,274 | $ 185,000 |
| Cambridge-Newton-Framingham, MA | 2,045 | $ 620,821,000 | $ 303,579 | $ 148,000 |
| Portland-South Portland-Biddeford, ME | 1,990 | $ 373,154,000 | $ 187,514 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,604 | $ 576,043,000 | $ 359,129 | $ 193,960 |
| Boston-Quincy, MA | 1,372 | $ 500,552,000 | $ 364,833 | $ 206,000 |
| Hartford-West Hartford-East Hartford, CT | 1,367 | $ 233,935,000 | $ 171,130 | $ 123,000 |
| Peabody, MA | 1,348 | $ 298,521,000 | $ 221,454 | $ 126,000 |
| Rockingham County-Strafford County, NH | 1,305 | $ 248,155,000 | $ 190,157 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1,211 | $ 317,949,000 | $ 262,550 | $ 197,000 |
| Springfield, MA | 1,083 | $ 134,345,000 | $ 124,048 | $ 93,000 |
| Atlantic City-Hammonton, NJ | 1,038 | $ 165,578,000 | $ 159,516 | $ 128,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,037 | $ 258,976,000 | $ 249,735 | $ 161,000 |
| Manchester-Nashua, NH | 1,000 | $ 154,374,000 | $ 154,374 | $ 106,000 |
| New Haven-Milford, CT | 892 | $ 143,045,000 | $ 160,364 | $ 101,000 |
| Bridgeport-Stamford-Norwalk, CT | 890 | $ 449,279,000 | $ 504,807 | $ 244,000 |
| Miami-Miami Beach-Kendall, FL | 878 | $ 269,665,000 | $ 307,135 | $ 191,000 |
| Worcester, MA | 846 | $ 138,105,000 | $ 163,244 | $ 107,000 |
| Wilmington, DE-MD-NJ | 825 | $ 117,601,000 | $ 142,546 | $ 90,998 |
| Orlando-Kissimmee-Sanford, FL | 741 | $ 125,016,000 | $ 168,712 | $ 135,000 |
| Columbia, SC | 731 | $ 122,100,000 | $ 167,031 | $ 101,000 |
| Greenville-Mauldin-Easley, SC | 715 | $ 114,881,000 | $ 160,672 | $ 103,000 |
| Ocean City, NJ | 674 | $ 194,579,000 | $ 288,692 | $ 198,000 |
| Barnstable Town, MA | 670 | $ 179,033,000 | $ 267,213 | $ 191,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 557 | $ 76,542,000 | $ 137,418 | $ 99,324 |
| Palm Bay-Melbourne-Titusville, FL | 541 | $ 60,527,000 | $ 111,879 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 534 | $ 107,289,000 | $ 200,915 | $ 137,000 |
| Albany-Schenectady-Troy, NY | 533 | $ 73,338,000 | $ 137,594 | $ 101,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 520 | $ 91,417,000 | $ 175,801 | $ 130,000 |
| Trenton-Ewing, NJ | 504 | $ 109,245,000 | $ 216,755 | $ 135,000 |
| Burlington-South Burlington, VT | 502 | $ 98,068,000 | $ 195,354 | $ 109,000 |
| Glens Falls, NY | 502 | $ 52,109,000 | $ 103,802 | $ 71,000 |
| Providence-New Bedford-Fall River, RI-MA | 494 | $ 127,302,000 | $ 257,696 | $ 167,307 |
| Port St. Lucie, FL | 479 | $ 60,812,000 | $ 126,956 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 475 | $ 57,289,000 | $ 120,608 | $ 94,000 |
| Charleston-North Charleston-Summerville, SC | 470 | $ 213,984,000 | $ 455,285 | $ 244,000 |
| Jacksonville, FL | 388 | $ 80,321,000 | $ 207,012 | $ 128,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 386 | $ 63,230,000 | $ 163,808 | $ 112,000 |
| Asheville, NC | 385 | $ 68,203,000 | $ 177,150 | $ 94,000 |
| Bethesda-Rockville-Frederick, MD | 370 | $ 185,793,000 | $ 502,143 | $ 247,000 |
| Vineland-Millville-Bridgeton, NJ | 361 | $ 29,495,000 | $ 81,703 | $ 67,000 |
| Bangor, ME | 341 | $ 32,941,000 | $ 96,601 | $ 76,000 |
| Lakeland-Winter Haven, FL | 303 | $ 29,738,000 | $ 98,145 | $ 87,000 |
| Baltimore-Towson, MD | 302 | $ 80,557,000 | $ 266,745 | $ 151,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 278 | $ 81,420,000 | $ 292,877 | $ 127,309 |
| Lewiston-Auburn, ME | 258 | $ 26,784,000 | $ 103,813 | $ 70,000 |
| Wilmington, NC | 226 | $ 42,071,000 | $ 186,154 | $ 119,000 |
| Anderson, SC | 223 | $ 27,831,000 | $ 124,802 | $ 65,000 |
| Pittsfield, MA | 183 | $ 32,334,000 | $ 176,688 | $ 116,000 |
| Augusta-Richmond County, GA-SC | 143 | $ 25,724,000 | $ 179,888 | $ 104,000 |
| Spartanburg, SC | 140 | $ 16,817,000 | $ 120,121 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 129 | $ 23,409,000 | $ 181,465 | $ 201,000 |
| North Port-Bradenton-Sarasota, FL | 128 | $ 39,443,000 | $ 308,148 | $ 192,000 |
| Ocala, FL | 117 | $ 15,238,000 | $ 130,239 | $ 98,000 |
| Florence, SC | 108 | $ 9,569,000 | $ 88,601 | $ 45,000 |
| Gainesville, FL | 108 | $ 20,938,000 | $ 193,870 | $ 100,000 |
| Sebastian-Vero Beach, FL | 106 | $ 12,060,000 | $ 113,773 | $ 76,000 |
| Dover, DE | 97 | $ 12,327,000 | $ 127,082 | $ 71,000 |
| Naples-Marco Island, FL | 83 | $ 42,896,000 | $ 516,819 | $ 336,000 |
| Reading, PA | 60 | $ 7,556,000 | $ 125,933 | $ 87,000 |
| Norwich-New London, CT | 57 | $ 10,706,000 | $ 187,824 | $ 107,000 |
| Kingston, NY | 48 | $ 9,134,000 | $ 190,291 | $ 142,000 |
| Hickory-Lenoir-Morganton, NC | 38 | $ 11,660,000 | $ 306,842 | $ 80,000 |
| Raleigh-Cary, NC | 37 | $ 12,560,000 | $ 339,459 | $ 157,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 36 | $ 11,594,000 | $ 322,055 | $ 236,666 |
| Palm Coast, FL | 34 | $ 6,253,000 | $ 183,911 | $ 229,000 |
| Harrisburg-Carlisle, PA | 26 | $ 2,620,000 | $ 100,769 | $ 107,000 |
| Scranton--Wilkes-Barre, PA | 26 | $ 2,000,000 | $ 76,923 | $ 77,000 |
| Punta Gorda, FL | 24 | $ 2,665,000 | $ 111,041 | $ 122,000 |
| Richmond, VA | 23 | $ 6,358,000 | $ 276,434 | $ 160,000 |
| Pittsburgh, PA | 20 | $ 2,519,000 | $ 125,950 | $ 110,000 |
| Buffalo-Niagara Falls, NY | 16 | $ 1,865,000 | $ 116,562 | $ 115,000 |
| Lancaster, PA | 16 | $ 3,410,000 | $ 213,125 | $ 187,000 |
| Rochester, NY | 15 | $ 2,336,000 | $ 155,733 | $ 764,000 |
| Syracuse, NY | 14 | $ 2,667,000 | $ 190,500 | $ 249,000 |
| Sumter, SC | 13 | $ 815,000 | $ 62,692 | $ 27,000 |
| Greensboro-High Point, NC | 12 | $ 3,591,000 | $ 299,250 | $ 292,000 |
| Tallahassee, FL | 12 | $ 878,000 | $ 73,166 | $ 155,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 11 | $ 2,550,000 | $ 231,818 | $ 199,000 |
| Charlottesville, VA | 10 | $ 2,500,000 | $ 250,000 | $ 116,000 |
| Roanoke, VA | 9 | $ 2,241,000 | $ 249,000 | $ 188,000 |
| Utica-Rome, NY | 9 | $ 1,171,000 | $ 130,111 | $ 91,000 |
| Durham-Chapel Hill, NC | 8 | $ 3,359,000 | $ 419,875 | $ 226,000 |
| Jacksonville, NC | 8 | $ 1,174,000 | $ 146,750 | $ 84,000 |
| York-Hanover, PA | 8 | $ 723,000 | $ 90,375 | $ 39,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,253,000 | $ 208,833 | $ 308,000 |
| Greenville, NC | 6 | $ 4,043,000 | $ 673,833 | $ 63,000 |
| Elmira, NY | 5 | $ 477,000 | $ 95,400 | $ 86,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 129,000 | $ 25,800 | $ 16,200 |
| Lynchburg, VA | 5 | $ 1,439,000 | $ 287,800 | $ 124,000 |
| Salisbury, MD | 5 | $ 220,000 | $ 44,000 | $ 67,000 |
| Fayetteville, NC | 4 | $ 285,000 | $ 71,250 | $ 199,000 |
| Winston-Salem, NC | 4 | $ 318,000 | $ 79,500 | $ 118,000 |
| Rocky Mount, NC | 3 | $ 288,000 | $ 96,000 | $ 64,000 |
| Binghamton, NY | 2 | $ 61,000 | $ 30,500 | $ 28,000 |
| Goldsboro, NC | 2 | $ 147,000 | $ 73,500 | $ 73,000 |
| Harrisonburg, VA | 2 | $ 215,000 | $ 107,500 | $ 23,000 |
| Ithaca, NY | 2 | $ 366,000 | $ 183,000 | $ 55,000 |
| Lebanon, PA | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 350,000 | $ 175,000 | $ 176,000 |
| State College, PA | 2 | $ 152,000 | $ 76,000 | $ 63,000 |
| Winchester, VA-WV | 2 | $ 148,000 | $ 74,000 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 126,000 | $ 126,000 | $ 131,000 |
| Danville, VA | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Erie, PA | 1 | $ 417,000 | $ 417,000 | $ 172,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Johnstown, PA | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Joplin, MO | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 293,000 |
| Williamsport, PA | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 242,000 | $ 242,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for TD Bank in 2012
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 | 42,916 | $11,172,410,000 | $260,000 | $17,998,000 | $155,000 | $9,999,000 |
| Home Improvement | 16,397 | $1,158,490,000 | $70,000 | $7,000,000 | $78,000 | $9,999,000 |
| Home Purchase | 15,921 | $4,590,450,000 | $288,000 | $9,800,000 | $165,000 | $9,999,000 |
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 | 54,324 | $12,319,825,000 | $226,000 | $7,400,000 | $146,000 | $9,999,000 |
| Asian | 5,275 | $1,391,675,000 | $263,000 | $5,000,000 | $143,000 | $7,370,000 |
| Hispanic | 4,961 | $820,689,000 | $165,000 | $5,000,000 | $92,000 | $3,701,000 |
| Not Provided | 4,923 | $1,464,591,000 | $297,000 | $7,000,000 | $190,000 | $9,999,000 |
| Black or African American | 4,545 | $540,305,000 | $118,000 | $2,800,000 | $85,000 | $9,999,000 |
| American Indian or Alaskan Native | 559 | $93,746,000 | $167,000 | $1,800,000 | $98,000 | $3,500,000 |
| Not applicable | 378 | $238,422,000 | $630,000 | $17,998,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 269 | $52,097,000 | $193,000 | $1,016,000 | $104,000 | $1,238,000 |
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) | 72,534 | $16,463,836,000 | $226,000 | $17,998,000 | $143,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 2,203 | $370,827,000 | $168,000 | $724,000 | $69,000 | $2,053,000 |
| VA-guaranteed (Veterans Administration) | 497 | $86,687,000 | $174,000 | $478,000 | $65,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Denied By Financial Institution | 33,941 | $6,514,481,000 | $191,000 | $7,400,000 | $112,000 | $9,999,000 |
| Loan Originated | 32,277 | $8,018,675,000 | $248,000 | $17,998,000 | $158,000 | $9,999,000 |
| Application Withdrawn By Applicant | 7,735 | $2,056,012,000 | $265,000 | $5,000,000 | $185,000 | $9,999,000 |
| File Closed For Incompleteness | 868 | $242,072,000 | $278,000 | $2,760,000 | $202,000 | $6,000,000 |
| Application Approved But Not Accepted | 413 | $90,110,000 | $218,000 | $2,975,000 | $127,000 | $1,298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14,239 | $1,728,973,000 | $121,000 | $7,000,000 | $96,000 | $9,999,000 |
| Debt-To-Income Ratio | 10,568 | $2,466,797,000 | $233,000 | $6,800,000 | $75,000 | $4,000,000 |
| Collateral | 6,467 | $1,701,272,000 | $263,000 | $3,426,000 | $176,000 | $9,999,000 |
| Other | 1,437 | $379,201,000 | $263,000 | $7,400,000 | $205,000 | $9,999,000 |
| Credit Application Incomplete | 444 | $83,218,000 | $187,000 | $4,328,000 | $223,000 | $4,000,000 |
| Employment History | 288 | $34,667,000 | $120,000 | $910,000 | $124,000 | $9,999,000 |
| Unverifiable Information | 282 | $74,964,000 | $265,000 | $2,000,000 | $172,000 | $2,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 127 | $30,401,000 | $239,000 | $2,120,000 | $113,000 | $600,000 |
| Mortgage Insurance Denied | 89 | $14,988,000 | $168,000 | $796,000 | $97,000 | $620,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into TD Bank's 2012 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 TD Bank'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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