AllMortgageDetail - Mortgage Application Details

Td Bank N.A.
Mortgage Loan Application
Totals and Details
for 2014

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Mortgage Company & Address Td Bank N.A.
2035 Limestone Road
Wilmington, DE 19808
Federal Regulator Consumer Financial Protection Bureau (CFPB)
Years 2014  2013  2012  2011  
Total Number of Mortgage Applications 34,522
Total Mortgage Loan Application Amount $6,274,211,000
Average Mortgage Loan Application Amount $151,715
Highest Mortgage Loan Application Amount $20,400,000
Average Applicant Income $104,912
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for Td Bank N.A. in 2014

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 13,824 $613,490,000 $44,000 $4,877,000 $67,000 $9,999,000
Home Purchase 12,227 $3,670,353,000 $300,000 $20,400,000 $157,000 $9,999,000
Refinancing 8,471 $1,990,368,000 $234,000 $8,000,000 $129,000 $6,700,000

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 21,716 $4,168,313,000 $191,000 $6,000,000 $129,000 $9,999,000
Black or African American 3,250 $261,310,000 $80,000 $2,500,000 $45,000 $1,994,000
Hispanic 3,123 $404,635,000 $129,000 $4,750,000 $81,000 $9,999,000
Not Provided 2,436 $581,931,000 $238,000 $3,800,000 $158,000 $8,672,000
Asian 1,946 $434,596,000 $223,000 $6,000,000 $127,000 $3,800,000
Not applicable 1,584 $375,122,000 $236,000 $20,400,000 $58,000 $826,000
American Indian or Alaskan Native 347 $34,366,000 $99,000 $1,570,000 $64,000 $1,248,000
Native Hawaiin or Other Pacific Islander 120 $13,938,000 $116,000 $609,000 $62,000 $727,000

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) 32,613 $5,915,491,000 $181,000 $20,400,000 $117,000 $9,999,000
FHA-insured (Federal Housing Administration) 1,249 $242,399,000 $194,000 $703,000 $78,000 $3,120,000
VA-guaranteed (Veterans Administration) 400 $77,516,000 $193,000 $417,000 $72,000 $350,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 260 $38,805,000 $149,000 $2,200,000 $67,000 $3,450,000

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 17,588 $2,255,719,000 $128,000 $6,000,000 $84,000 $9,999,000
Loan Originated 12,468 $2,972,301,000 $238,000 $20,400,000 $146,000 $6,628,000
Application Withdrawn By Applicant 1,961 $475,874,000 $242,000 $4,000,000 $178,000 $8,672,000
Loan Purchased By The Institution 1,614 $271,881,000 $168,000 $554,000 $69,000 $826,000
File Closed For Incompleteness 742 $280,449,000 $377,000 $4,750,000 $230,000 $5,110,000
Application Approved But Not Accepted 149 $17,987,000 $120,000 $980,000 $95,000 $516,000
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 10,467 $685,924,000 $65,000 $4,440,000 $64,000 $9,999,000
Debt-To-Income Ratio 4,149 $941,627,000 $226,000 $5,450,000 $76,000 $1,631,000
Collateral 1,505 $307,900,000 $204,000 $3,800,000 $170,000 $5,796,000
Other 858 $230,760,000 $268,000 $6,000,000 $176,000 $9,999,000
Credit Application Incomplete 205 $26,506,000 $129,000 $6,000,000 $198,000 $2,349,000
Employment History 189 $15,767,000 $83,000 $795,000 $85,000 $923,000
Unverifiable Information 142 $34,256,000 $241,000 $2,520,000 $151,000 $3,235,000
Insufficient Cash (Downpayment, Closing Cost) 65 $11,590,000 $178,000 $1,000,000 $126,000 $2,508,000
Mortgage Insurance Denied 6 $1,190,000 $198,000 $305,000 $95,000 $132,000