TD Bank Mortgage Lending & HMDA Data, 2015
In 2015, TD Bank of Mount Laurel, NJ reported 33,556 mortgage applications totaling $7.1 billion, down 3% from 2014. The average application was for $212,073, and applicants reported an average income of $118,456. 37% of its applications resulted in an originated loan and 51% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (6,631), Camden, NJ (1,625) and Philadelphia, PA (1,526) (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 | 33,556 |
| Total Mortgage Loan Application Amount | $7,116,343,000 |
| Average Mortgage Loan Application Amount | $212,073 |
| Highest Mortgage Loan Application Amount | $36,250,000 |
| Average Applicant Income | $118,456 |
| 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Disclosure Act (HMDA) records TD Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Jersey City-White Plains, NY-NJ | 6,631 | $ 1,825,876,000 | $ 275,354 | $ 138,447 |
| Camden, NJ | 1,625 | $ 170,738,000 | $ 105,069 | $ 91,000 |
| Philadelphia, PA | 1,526 | $ 153,455,000 | $ 100,560 | $ 68,000 |
| Nassau County-Suffolk County, NY | 1,393 | $ 458,015,000 | $ 328,797 | $ 178,000 |
| Newark, NJ-PA | 1,390 | $ 298,443,000 | $ 214,707 | $ 135,257 |
| Montgomery County-Bucks County-Chester County, PA | 1,215 | $ 226,589,000 | $ 186,493 | $ 120,000 |
| Cambridge-Newton-Framingham, MA | 902 | $ 188,726,000 | $ 209,230 | $ 108,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 891 | $ 332,788,000 | $ 373,499 | $ 146,029 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 672 | $ 137,329,000 | $ 204,358 | $ 117,000 |
| Portland-South Portland, ME | 661 | $ 141,090,000 | $ 213,449 | $ 104,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 661 | $ 188,716,000 | $ 285,500 | $ 187,000 |
| Miami-Miami Beach-Kendall, FL | 651 | $ 185,139,000 | $ 284,391 | $ 147,000 |
| Orlando-Kissimmee-Sanford, FL | 646 | $ 134,897,000 | $ 208,818 | $ 103,000 |
| Hartford-West Hartford-East Hartford, CT | 478 | $ 65,328,000 | $ 136,669 | $ 85,000 |
| Rockingham County-Strafford County, NH | 460 | $ 69,925,000 | $ 152,010 | $ 100,000 |
| Greenville-Anderson-Mauldin, SC | 459 | $ 59,417,000 | $ 129,448 | $ 65,000 |
| Springfield, MA | 418 | $ 44,950,000 | $ 107,535 | $ 66,000 |
| Boston, MA | 410 | $ 124,297,000 | $ 303,163 | $ 166,000 |
| Tampa-St. Petersburg-Clearwater, FL | 398 | $ 71,536,000 | $ 179,738 | $ 95,000 |
| Charleston-North Charleston, SC | 376 | $ 188,413,000 | $ 501,098 | $ 233,000 |
| New Haven-Milford, CT | 370 | $ 39,900,000 | $ 107,837 | $ 82,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 362 | $ 46,503,000 | $ 128,461 | $ 84,000 |
| Manchester-Nashua, NH | 356 | $ 58,202,000 | $ 163,488 | $ 96,000 |
| Worcester, MA-CT | 345 | $ 53,452,000 | $ 154,933 | $ 86,078 |
| Palm Bay-Melbourne-Titusville, FL | 343 | $ 35,234,000 | $ 102,723 | $ 67,000 |
| Bridgeport-Stamford-Norwalk, CT | 340 | $ 142,135,000 | $ 418,044 | $ 199,000 |
| Port St. Lucie, FL | 332 | $ 51,566,000 | $ 155,319 | $ 95,000 |
| Atlantic City-Hammonton, NJ | 329 | $ 35,792,000 | $ 108,790 | $ 89,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 326 | $ 120,684,000 | $ 370,196 | $ 203,000 |
| Columbia, SC | 324 | $ 41,666,000 | $ 128,598 | $ 72,000 |
| Wilmington, DE-MD-NJ | 321 | $ 37,941,000 | $ 118,196 | $ 80,595 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 304 | $ 47,433,000 | $ 156,029 | $ 98,523 |
| Silver Spring-Frederick-Rockville, MD | 294 | $ 128,640,000 | $ 437,551 | $ 174,000 |
| Providence-Warwick, RI-MA | 271 | $ 50,494,000 | $ 186,324 | $ 105,210 |
| Asheville, NC | 240 | $ 71,165,000 | $ 296,520 | $ 130,000 |
| Baltimore-Columbia-Towson, MD | 218 | $ 49,096,000 | $ 225,211 | $ 94,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 215 | $ 25,738,000 | $ 119,711 | $ 80,744 |
| Ocean City, NJ | 211 | $ 56,977,000 | $ 270,033 | $ 210,000 |
| Trenton, NJ | 202 | $ 36,596,000 | $ 181,168 | $ 105,000 |
| Lakeland-Winter Haven, FL | 196 | $ 21,568,000 | $ 110,040 | $ 86,000 |
| Barnstable Town, MA | 195 | $ 41,290,000 | $ 211,743 | $ 116,000 |
| Jacksonville, FL | 194 | $ 34,926,000 | $ 180,030 | $ 86,000 |
| Charlotte-Concord-Gastonia, NC-SC | 166 | $ 44,037,000 | $ 265,283 | $ 116,710 |
| Burlington-South Burlington, VT | 164 | $ 21,604,000 | $ 131,731 | $ 80,000 |
| Glens Falls, NY | 163 | $ 14,233,000 | $ 87,319 | $ 64,000 |
| Augusta-Richmond County, GA-SC | 160 | $ 26,222,000 | $ 163,887 | $ 69,562 |
| Vineland-Bridgeton, NJ | 156 | $ 9,847,000 | $ 63,121 | $ 59,000 |
| Albany-Schenectady-Troy, NY | 150 | $ 17,855,000 | $ 119,033 | $ 77,000 |
| Gainesville, FL | 138 | $ 25,686,000 | $ 186,130 | $ 113,000 |
| Bangor, ME | 132 | $ 10,763,000 | $ 81,537 | $ 59,000 |
| Salisbury, MD-DE | 129 | $ 42,301,000 | $ 327,914 | $ 187,674 |
| Sebastian-Vero Beach, FL | 123 | $ 22,642,000 | $ 184,081 | $ 155,000 |
| Dutchess County-Putnam County, NY | 115 | $ 18,014,000 | $ 156,643 | $ 106,000 |
| Ocala, FL | 114 | $ 14,951,000 | $ 131,149 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 102 | $ 23,977,000 | $ 235,068 | $ 187,000 |
| Lewiston-Auburn, ME | 94 | $ 8,384,000 | $ 89,191 | $ 49,000 |
| Naples-Immokalee-Marco Island, FL | 92 | $ 34,749,000 | $ 377,706 | $ 249,000 |
| Spartanburg, SC | 89 | $ 9,682,000 | $ 108,786 | $ 63,000 |
| North Port-Sarasota-Bradenton, FL | 82 | $ 19,582,000 | $ 238,804 | $ 168,000 |
| Wilmington, NC | 79 | $ 36,252,000 | $ 458,886 | $ 174,000 |
| Pittsfield, MA | 71 | $ 8,260,000 | $ 116,338 | $ 68,000 |
| Dover, DE | 69 | $ 4,980,000 | $ 72,173 | $ 47,000 |
| Florence, SC | 51 | $ 2,526,000 | $ 49,529 | $ 49,000 |
| Homosassa Springs, FL | 46 | $ 4,280,000 | $ 93,043 | $ 59,000 |
| East Stroudsburg, PA | 40 | $ 4,317,000 | $ 107,925 | $ 170,000 |
| Hickory-Lenoir-Morganton, NC | 28 | $ 3,102,000 | $ 110,785 | $ 56,000 |
| Kingston, NY | 28 | $ 3,241,000 | $ 115,750 | $ 78,000 |
| Norwich-New London, CT | 27 | $ 4,998,000 | $ 185,111 | $ 269,000 |
| Sebring, FL | 22 | $ 1,494,000 | $ 67,909 | $ 52,000 |
| Punta Gorda, FL | 21 | $ 3,540,000 | $ 168,571 | $ 123,000 |
| Raleigh, NC | 20 | $ 4,874,000 | $ 243,700 | $ 237,000 |
| The Villages, FL | 18 | $ 2,762,000 | $ 153,444 | $ 156,000 |
| Reading, PA | 16 | $ 1,642,000 | $ 102,625 | $ 78,000 |
| Lancaster, PA | 14 | $ 2,817,000 | $ 201,214 | $ 112,000 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 6,345,000 | $ 488,076 | $ 232,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 2,325,000 | $ 178,846 | $ 185,538 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 12 | $ 2,088,000 | $ 174,000 | $ 131,000 |
| Panama City, FL | 12 | $ 2,062,000 | $ 171,833 | $ 106,000 |
| Utica-Rome, NY | 10 | $ 1,539,000 | $ 153,900 | $ 61,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 9 | $ 720,000 | $ 80,000 | $ 236,000 |
| Richmond, VA | 8 | $ 4,316,000 | $ 539,500 | $ 223,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,889,000 | $ 269,857 | $ 104,000 |
| Pittsburgh, PA | 7 | $ 1,237,000 | $ 176,714 | $ 149,000 |
| Rochester, NY | 7 | $ 602,000 | $ 86,000 | $ 70,000 |
| Jacksonville, NC | 6 | $ 360,000 | $ 60,000 | $ 275,000 |
| Sumter, SC | 6 | $ 204,000 | $ 34,000 | $ 31,000 |
| Syracuse, NY | 6 | $ 1,678,000 | $ 279,666 | $ 227,000 |
| York-Hanover, PA | 6 | $ 391,000 | $ 65,166 | $ 111,000 |
| Binghamton, NY | 5 | $ 382,000 | $ 76,400 | $ 18,000 |
| Johnstown, PA | 4 | $ 424,000 | $ 106,000 | $ 53,000 |
| New Bern, NC | 4 | $ 346,000 | $ 86,500 | $ 110,000 |
| Cumberland, MD-WV | 3 | $ 154,000 | $ 51,333 | $ 34,000 |
| Durham-Chapel Hill, NC | 3 | $ 717,000 | $ 239,000 | $ 247,000 |
| Fayetteville, NC | 3 | $ 45,000 | $ 15,000 | $ 33,000 |
| Tallahassee, FL | 3 | $ 867,000 | $ 289,000 | $ 77,000 |
| Winchester, VA-WV | 3 | $ 390,000 | $ 130,000 | $ 43,000 |
| Bloomsburg-Berwick, PA | 2 | $ 37,000 | $ 18,500 | $ 42,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 417,000 | $ 208,500 | $ 43,000 |
| Charlottesville, VA | 2 | $ 391,000 | $ 195,500 | $ 374,000 |
| Gettysburg, PA | 2 | $ 449,000 | $ 224,500 | $ 161,000 |
| Greensboro-High Point, NC | 2 | $ 232,000 | $ 116,000 | $ 83,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 142,000 | $ 71,000 | $ 14,000 |
| Ithaca, NY | 2 | $ 42,000 | $ 21,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 27,000 | $ 13,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 42,000 | $ 21,000 | $ 30,000 |
| Winston-Salem, NC | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Aguadilla-Isabela-San Sebastian, PR | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Burlington, NC | 1 | $ 50,000 | $ 50,000 | $ 0 |
| California-Lexington Park, MD | 1 | $ 15,000 | $ 15,000 | $ 212,000 |
| Canton-Massillon, OH | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Erie, PA | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Lynchburg, VA | 1 | $ 150,000 | $ 150,000 | $ 203,000 |
| New Orleans-Metairie, LA | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| State College, PA | 1 | $ 40,000 | $ 40,000 | $ 33,000 |
| Staunton-Waynesboro, VA | 1 | $ 69,000 | $ 69,000 | $ 240,000 |
| Toledo, OH | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 100,000 | $ 100,000 | $ 642,000 |
| Williamsport, PA | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for TD Bank 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 12,754 | $986,630,000 | $77,000 | $36,250,000 | $71,000 | $9,999,000 |
| Home Purchase | 11,916 | $3,488,600,000 | $292,000 | $15,200,000 | $142,000 | $9,999,000 |
| Refinancing | 8,886 | $2,641,113,000 | $297,000 | $29,212,000 | $155,000 | $4,800,000 |
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 | 20,910 | $4,609,640,000 | $220,000 | $10,500,000 | $134,000 | $9,999,000 |
| Black or African American | 3,324 | $288,549,000 | $86,000 | $1,500,000 | $49,000 | $3,514,000 |
| Hispanic | 3,181 | $426,006,000 | $133,000 | $6,000,000 | $74,000 | $2,660,000 |
| Not Provided | 2,394 | $780,930,000 | $326,000 | $18,000,000 | $175,000 | $4,800,000 |
| Asian | 2,040 | $504,494,000 | $247,000 | $3,000,000 | $137,000 | $9,999,000 |
| Not applicable | 1,252 | $448,423,000 | $358,000 | $36,250,000 | $37,000 | $324,000 |
| American Indian or Alaskan Native | 328 | $40,199,000 | $122,000 | $1,500,000 | $84,000 | $3,120,000 |
| Native Hawaiian or Other Pacific Islander | 127 | $18,102,000 | $142,000 | $1,323,000 | $97,000 | $974,000 |
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) | 31,888 | $6,793,740,000 | $213,000 | $36,250,000 | $121,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 848 | $181,239,000 | $213,000 | $800,000 | $81,000 | $1,010,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 417 | $61,539,000 | $147,000 | $604,000 | $49,000 | $386,000 |
| VA-guaranteed (Veterans Administration) | 403 | $79,825,000 | $198,000 | $431,000 | $75,000 | $285,000 |
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 | 17,253 | $2,506,257,000 | $145,000 | $18,000,000 | $85,000 | $9,999,000 |
| Loan Originated | 12,252 | $3,583,746,000 | $292,000 | $36,250,000 | $153,000 | $4,006,000 |
| Application Withdrawn By Applicant | 2,262 | $584,842,000 | $258,000 | $5,100,000 | $176,000 | $7,200,000 |
| Loan Purchased By The Institution | 872 | $136,209,000 | $156,000 | $489,000 | $53,000 | $324,000 |
| File Closed For Incompleteness | 760 | $278,602,000 | $366,000 | $2,999,000 | $225,000 | $3,514,000 |
| Application Approved But Not Accepted | 157 | $26,687,000 | $169,000 | $1,700,000 | $118,000 | $1,920,000 |
| 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 | 9,434 | $636,506,000 | $67,000 | $18,000,000 | $57,000 | $9,999,000 |
| Debt-To-Income Ratio | 4,376 | $1,073,273,000 | $245,000 | $5,000,000 | $75,000 | $1,900,000 |
| Collateral | 1,806 | $393,671,000 | $217,000 | $6,000,000 | $173,000 | $9,999,000 |
| Other | 985 | $251,741,000 | $255,000 | $2,450,000 | $157,000 | $2,000,000 |
| Credit Application Incomplete | 263 | $63,507,000 | $241,000 | $10,500,000 | $273,000 | $3,120,000 |
| Unverifiable Information | 150 | $46,723,000 | $311,000 | $4,500,000 | $208,000 | $2,160,000 |
| Employment History | 131 | $16,117,000 | $123,000 | $1,000,000 | $116,000 | $3,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 103 | $24,254,000 | $235,000 | $2,000,000 | $171,000 | $4,766,000 |
| Mortgage Insurance Denied | 5 | $465,000 | $93,000 | $207,000 | $79,000 | $142,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into TD Bank'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 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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