TD Bank N.A. Mortgage Lending & HMDA Data, 2010
In 2010, TD Bank N.A. of Falmouth, ME reported 52,204 mortgage applications totaling $11.0 billion, up 16% from 2009. The average application was for $210,621, and applicants reported an average income of $132,914. 41% of its applications resulted in an originated loan and 41% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (6,344), Philadelphia, PA (4,899) and Camden, NJ (3,896) (applications in parentheses).
| Mortgage Company & Address | TD Bank N.A. 70 Gray Road Falmouth, ME 04105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 52,204 |
| Total Mortgage Loan Application Amount | $10,995,301,000 |
| Average Mortgage Loan Application Amount | $210,621 |
| Highest Mortgage Loan Application Amount | $42,000,000 |
| Average Applicant Income | $132,914 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records TD Bank N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,344 | $ 2,138,859,000 | $ 337,146 | $ 194,736 |
| Philadelphia, PA | 4,899 | $ 775,347,000 | $ 158,266 | $ 111,000 |
| Camden, NJ | 3,896 | $ 481,460,000 | $ 123,578 | $ 103,000 |
| Edison-New Brunswick, NJ | 3,636 | $ 768,381,000 | $ 211,325 | $ 137,000 |
| Newark-Union, NJ-PA | 2,042 | $ 472,699,000 | $ 231,488 | $ 150,617 |
| Portland-South Portland-Biddeford, ME | 1,939 | $ 362,823,000 | $ 187,118 | $ 119,000 |
| Nassau-Suffolk, NY | 1,919 | $ 566,193,000 | $ 295,045 | $ 194,000 |
| Cambridge-Newton-Framingham, MA | 1,603 | $ 426,856,000 | $ 266,285 | $ 151,000 |
| Peabody, MA | 1,378 | $ 293,444,000 | $ 212,949 | $ 122,000 |
| Hartford-West Hartford-East Hartford, CT | 1,308 | $ 218,853,000 | $ 167,318 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,229 | $ 403,605,000 | $ 328,401 | $ 136,325 |
| Rockingham County-Strafford County, NH | 1,191 | $ 188,066,000 | $ 157,905 | $ 115,000 |
| Springfield, MA | 1,109 | $ 135,857,000 | $ 122,504 | $ 77,000 |
| Boston-Quincy, MA | 1,091 | $ 350,864,000 | $ 321,598 | $ 172,000 |
| Worcester, MA | 964 | $ 162,499,000 | $ 168,567 | $ 93,000 |
| Manchester-Nashua, NH | 945 | $ 145,394,000 | $ 153,856 | $ 104,000 |
| New Haven-Milford, CT | 863 | $ 131,513,000 | $ 152,390 | $ 107,000 |
| Barnstable Town, MA | 718 | $ 195,827,000 | $ 272,739 | $ 192,000 |
| Wilmington, DE-MD-NJ | 698 | $ 101,146,000 | $ 144,908 | $ 92,535 |
| Atlantic City-Hammonton, NJ | 692 | $ 89,652,000 | $ 129,554 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 520 | $ 158,109,000 | $ 304,055 | $ 237,000 |
| Burlington-South Burlington, VT | 491 | $ 99,860,000 | $ 203,380 | $ 101,000 |
| Bridgeport-Stamford-Norwalk, CT | 482 | $ 259,704,000 | $ 538,804 | $ 282,000 |
| Albany-Schenectady-Troy, NY | 458 | $ 64,350,000 | $ 140,502 | $ 95,000 |
| Ocean City, NJ | 456 | $ 125,573,000 | $ 275,379 | $ 165,000 |
| Glens Falls, NY | 436 | $ 45,429,000 | $ 104,194 | $ 75,000 |
| Baltimore-Towson, MD | 394 | $ 87,257,000 | $ 221,464 | $ 96,000 |
| Trenton-Ewing, NJ | 383 | $ 77,907,000 | $ 203,412 | $ 125,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 372 | $ 75,958,000 | $ 204,188 | $ 116,000 |
| Bangor, ME | 351 | $ 34,958,000 | $ 99,595 | $ 82,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 348 | $ 52,608,000 | $ 151,172 | $ 103,229 |
| Miami-Miami Beach-Kendall, FL | 347 | $ 102,855,000 | $ 296,412 | $ 213,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 332 | $ 60,998,000 | $ 183,728 | $ 105,000 |
| Lewiston-Auburn, ME | 325 | $ 36,332,000 | $ 111,790 | $ 71,000 |
| Port St. Lucie, FL | 287 | $ 27,829,000 | $ 96,965 | $ 84,000 |
| Bethesda-Rockville-Frederick, MD | 275 | $ 84,061,000 | $ 305,676 | $ 122,000 |
| Vineland-Millville-Bridgeton, NJ | 270 | $ 24,263,000 | $ 89,862 | $ 76,000 |
| Orlando-Kissimmee-Sanford, FL | 255 | $ 38,461,000 | $ 150,827 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 191 | $ 20,854,000 | $ 109,183 | $ 74,000 |
| Pittsfield, MA | 172 | $ 27,989,000 | $ 162,726 | $ 142,000 |
| Providence-New Bedford-Fall River, RI-MA | 162 | $ 35,717,000 | $ 220,475 | $ 126,993 |
| Palm Bay-Melbourne-Titusville, FL | 153 | $ 16,661,000 | $ 108,895 | $ 68,000 |
| Jacksonville, FL | 147 | $ 32,285,000 | $ 219,625 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 131 | $ 22,556,000 | $ 172,183 | $ 127,000 |
| Lakeland-Winter Haven, FL | 105 | $ 10,748,000 | $ 102,361 | $ 71,000 |
| Columbia, SC | 104 | $ 17,600,000 | $ 169,230 | $ 93,000 |
| Dover, DE | 103 | $ 12,742,000 | $ 123,708 | $ 69,000 |
| Asheville, NC | 94 | $ 23,228,000 | $ 247,106 | $ 138,000 |
| Greenville-Mauldin-Easley, SC | 82 | $ 16,964,000 | $ 206,878 | $ 93,000 |
| Cape Coral-Fort Myers, FL | 71 | $ 14,321,000 | $ 201,704 | $ 232,000 |
| Sebastian-Vero Beach, FL | 70 | $ 10,298,000 | $ 147,114 | $ 68,000 |
| Norwich-New London, CT | 60 | $ 11,306,000 | $ 188,433 | $ 123,000 |
| Kingston, NY | 53 | $ 18,993,000 | $ 358,358 | $ 132,000 |
| Reading, PA | 50 | $ 5,463,000 | $ 109,260 | $ 96,000 |
| North Port-Bradenton-Sarasota, FL | 48 | $ 9,160,000 | $ 190,833 | $ 180,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 42 | $ 7,426,000 | $ 176,809 | $ 104,000 |
| Naples-Marco Island, FL | 34 | $ 11,250,000 | $ 330,882 | $ 275,000 |
| Ocala, FL | 34 | $ 5,422,000 | $ 159,470 | $ 90,000 |
| Scranton--Wilkes-Barre, PA | 32 | $ 3,782,000 | $ 118,187 | $ 116,000 |
| Charleston-North Charleston-Summerville, SC | 30 | $ 13,023,000 | $ 434,100 | $ 146,000 |
| Gainesville, FL | 29 | $ 5,972,000 | $ 205,931 | $ 183,000 |
| Spartanburg, SC | 24 | $ 2,661,000 | $ 110,875 | $ 90,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 18 | $ 2,198,000 | $ 122,111 | $ 80,666 |
| Augusta-Richmond County, GA-SC | 17 | $ 3,445,000 | $ 202,647 | $ 64,000 |
| Hickory-Lenoir-Morganton, NC | 16 | $ 2,082,000 | $ 130,125 | $ 144,000 |
| Pittsburgh, PA | 16 | $ 1,589,000 | $ 99,312 | $ 118,000 |
| Anderson, SC | 14 | $ 1,570,000 | $ 112,142 | $ 64,000 |
| Lancaster, PA | 14 | $ 1,643,000 | $ 117,357 | $ 116,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 3,872,000 | $ 297,846 | $ 145,000 |
| Wilmington, NC | 13 | $ 3,854,000 | $ 296,461 | $ 183,000 |
| Punta Gorda, FL | 11 | $ 983,000 | $ 89,363 | $ 59,000 |
| Rochester, NY | 11 | $ 1,189,000 | $ 108,090 | $ 67,000 |
| Binghamton, NY | 9 | $ 661,000 | $ 73,444 | $ 68,000 |
| Palm Coast, FL | 9 | $ 1,956,000 | $ 217,333 | $ 107,000 |
| Richmond, VA | 9 | $ 3,985,000 | $ 442,777 | $ 202,000 |
| Syracuse, NY | 9 | $ 958,000 | $ 106,444 | $ 65,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 948,000 | $ 118,500 | $ 79,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 8,331,000 | $ 1,190,142 | $ 161,000 |
| Florence, SC | 7 | $ 790,000 | $ 112,857 | $ 38,000 |
| Harrisburg-Carlisle, PA | 6 | $ 1,039,000 | $ 173,166 | $ 105,000 |
| Utica-Rome, NY | 6 | $ 361,000 | $ 60,166 | $ 94,000 |
| Erie, PA | 5 | $ 341,000 | $ 68,200 | $ 74,000 |
| State College, PA | 4 | $ 1,396,000 | $ 349,000 | $ 138,000 |
| Charlottesville, VA | 3 | $ 207,000 | $ 69,000 | $ 74,000 |
| Jacksonville, NC | 3 | $ 24,000 | $ 8,000 | $ 266,000 |
| Lynchburg, VA | 3 | $ 660,000 | $ 220,000 | $ 57,000 |
| Salisbury, MD | 3 | $ 401,000 | $ 133,666 | $ 81,000 |
| York-Hanover, PA | 3 | $ 471,000 | $ 157,000 | $ 102,000 |
| Albuquerque, NM | 2 | $ 35,000 | $ 17,500 | $ 55,000 |
| Cumberland, MD-WV | 2 | $ 89,000 | $ 44,500 | $ 114,000 |
| Fayetteville, NC | 2 | $ 7,000 | $ 3,500 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 64,000 | $ 32,000 | $ 85,000 |
| Ithaca, NY | 2 | $ 390,000 | $ 195,000 | $ 204,000 |
| Lafayette, IN | 2 | $ 300,000 | $ 150,000 | $ 108,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 18,000 | $ 9,000 | $ 41,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 215,000 | $ 107,500 | $ 204,000 |
| Raleigh-Cary, NC | 2 | $ 28,000 | $ 14,000 | $ 447,000 |
| San Juan-Caguas-Guaynabo, PR | 2 | $ 14,000 | $ 7,000 | $ 34,000 |
| Altoona, PA | 1 | $ 318,000 | $ 318,000 | $ 120,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 206,000 | $ 206,000 | $ 155,000 |
| Brunswick, GA | 1 | $ 200,000 | $ 200,000 | $ 402,000 |
| Charleston, WV | 1 | $ 2,000 | $ 2,000 | $ 16,000 |
| Columbus, GA-AL | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 330,000 | $ 330,000 | $ 145,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 30,000 | $ 30,000 | $ 97,000 |
| Durham-Chapel Hill, NC | 1 | $ 25,000 | $ 25,000 | $ 186,000 |
| Johnstown, PA | 1 | $ 193,000 | $ 193,000 | $ 121,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 154,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 22,000 | $ 22,000 | $ 112,000 |
| Roanoke, VA | 1 | $ 244,000 | $ 244,000 | $ 70,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 8,000 | $ 8,000 | $ 146,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 20,000 | $ 20,000 | $ 265,000 |
| Sumter, SC | 1 | $ 5,000 | $ 5,000 | $ 37,000 |
| Winchester, VA-WV | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for TD Bank N.A. in 2010
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 | 25,495 | $6,422,930,000 | $251,000 | $42,000,000 | $146,000 | $9,999,000 |
| Home Improvement | 13,721 | $978,736,000 | $71,000 | $4,500,000 | $100,000 | $9,999,000 |
| Home Purchase | 12,988 | $3,593,635,000 | $276,000 | $13,420,000 | $142,000 | $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 | 35,086 | $7,153,734,000 | $203,000 | $9,375,000 | $140,000 | $9,999,000 |
| Not applicable | 4,885 | $1,237,913,000 | $253,000 | $42,000,000 | $57,000 | $688,000 |
| Not Provided | 3,916 | $1,118,037,000 | $285,000 | $8,000,000 | $203,000 | $9,999,000 |
| Asian | 2,886 | $797,224,000 | $276,000 | $7,000,000 | $153,000 | $7,683,000 |
| Hispanic | 2,725 | $393,028,000 | $144,000 | $4,320,000 | $96,000 | $9,999,000 |
| Black or African American | 2,338 | $242,550,000 | $103,000 | $2,660,000 | $94,000 | $9,999,000 |
| American Indian or Alaskan Native | 240 | $31,233,000 | $130,000 | $4,400,000 | $87,000 | $930,000 |
| Native Hawaiian or Other Pacific Islander | 128 | $21,582,000 | $168,000 | $1,200,000 | $103,000 | $618,000 |
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) | 46,271 | $9,686,998,000 | $209,000 | $42,000,000 | $141,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 5,401 | $1,191,615,000 | $220,000 | $947,000 | $67,000 | $9,999,000 |
| VA-guaranteed (Veterans Administration) | 531 | $116,583,000 | $219,000 | $531,000 | $65,000 | $309,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $105,000 | $105,000 | $105,000 | $37,000 | $37,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 21,540 | $4,768,884,000 | $221,000 | $42,000,000 | $148,000 | $7,866,000 |
| Application Denied By Financial Institution | 21,200 | $3,943,580,000 | $186,000 | $9,375,000 | $123,000 | $9,999,000 |
| Loan Purchased By The Institution | 4,633 | $1,062,128,000 | $229,000 | $947,000 | $59,000 | $574,000 |
| Application Withdrawn By Applicant | 3,866 | $991,245,000 | $256,000 | $7,000,000 | $180,000 | $7,800,000 |
| File Closed For Incompleteness | 644 | $179,462,000 | $278,000 | $2,800,000 | $176,000 | $6,113,000 |
| Application Approved But Not Accepted | 321 | $50,002,000 | $155,000 | $2,012,000 | $123,000 | $2,316,000 |
| 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 | 7,361 | $483,993,000 | $65,000 | $9,375,000 | $106,000 | $9,999,000 |
| Debt-To-Income Ratio | 6,754 | $1,623,687,000 | $240,000 | $8,000,000 | $80,000 | $6,202,000 |
| Collateral | 3,724 | $935,921,000 | $251,000 | $3,500,000 | $177,000 | $9,833,000 |
| Other | 2,386 | $682,099,000 | $285,000 | $6,175,000 | $198,000 | $9,999,000 |
| Credit Application Incomplete | 358 | $90,226,000 | $252,000 | $5,000,000 | $225,000 | $7,683,000 |
| Unverifiable Information | 309 | $71,198,000 | $230,000 | $1,575,000 | $154,000 | $1,538,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 155 | $32,647,000 | $210,000 | $1,200,000 | $101,000 | $646,000 |
| Employment History | 128 | $18,239,000 | $142,000 | $1,100,000 | $111,000 | $1,100,000 |
| Mortgage Insurance Denied | 25 | $5,570,000 | $222,000 | $596,000 | $131,000 | $427,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into TD Bank N.A.'s 2010 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 N.A.'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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