The Yardville National Bank Mortgage Lending & HMDA Data, 2007
In 2007, The Yardville National Bank of Yardville, NJ reported 439 mortgage applications totaling $62.1 million, down 16% from 2006. The average application was for $141,464, and applicants reported an average income of $117,300. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Trenton-Ewing, NJ (222), Edison, NJ (60) and Camden, NJ (54) (applications in parentheses).
| Mortgage Company & Address | The Yardville National Bank 4556 South Broad Street Yardville, NJ 08650 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 439 |
| Total Mortgage Loan Application Amount | $62,103,000 |
| Average Mortgage Loan Application Amount | $141,464 |
| Highest Mortgage Loan Application Amount | $3,186,000 |
| Average Applicant Income | $117,300 |
| Highest Applicant Income | $2,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Yardville National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Trenton-Ewing, NJ | 222 | $ 21,376,000 | $ 96,288 | $ 94,000 |
| Edison, NJ | 60 | $ 11,546,000 | $ 192,433 | $ 164,000 |
| Camden, NJ | 54 | $ 7,444,000 | $ 137,851 | $ 143,000 |
| Newark-Union, NJ-PA | 48 | $ 7,009,000 | $ 146,020 | $ 140,000 |
| Philadelphia, PA | 26 | $ 5,072,000 | $ 195,076 | $ 134,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 4,275,000 | $ 1,425,000 | $ 86,666 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 110,000 | $ 55,000 | $ 24,000 |
| Atlantic City, NJ | 2 | $ 464,000 | $ 232,000 | $ 247,000 |
| Naples-Marco Island, FL | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 68,000 | $ 68,000 | $ 79,000 |
| Nassau-Suffolk, NY | 1 | $ 280,000 | $ 280,000 | $ 355,000 |
Mortgage Loan Application Detail Totals for The Yardville National Bank in 2007
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 | 224 | $35,281,000 | $157,000 | $2,640,000 | $126,000 | $2,500,000 |
| Home Improvement | 127 | $5,246,000 | $41,000 | $268,000 | $89,000 | $300,000 |
| Home Purchase | 88 | $21,576,000 | $245,000 | $3,186,000 | $136,000 | $746,000 |
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 | 343 | $45,851,000 | $133,000 | $2,400,000 | $118,000 | $868,000 |
| Not Provided | 30 | $2,478,000 | $82,000 | $425,000 | $88,000 | $191,000 |
| Black or African American | 23 | $2,164,000 | $94,000 | $345,000 | $74,000 | $202,000 |
| Hispanic | 14 | $899,000 | $64,000 | $220,000 | $81,000 | $290,000 |
| Asian | 12 | $2,767,000 | $230,000 | $1,073,000 | $142,000 | $256,000 |
| Not applicable | 12 | $7,575,000 | $631,000 | $3,186,000 | $270,000 | $2,500,000 |
| American Indian or Alaskan Native | 5 | $369,000 | $73,000 | $150,000 | $137,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 439 | $62,103,000 | $141,000 | $3,186,000 | $117,000 | $2,500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 285 | $40,305,000 | $141,000 | $3,186,000 | $129,000 | $2,500,000 |
| Application Denied By Financial Institution | 83 | $6,866,000 | $82,000 | $450,000 | $77,000 | $300,000 |
| Application Approved But Not Accepted | 40 | $5,614,000 | $140,000 | $910,000 | $126,000 | $800,000 |
| Application Withdrawn By Applicant | 14 | $5,475,000 | $391,000 | $2,400,000 | $150,000 | $513,000 |
| Preapproval Approved but not Accepted | 12 | $2,896,000 | $241,000 | $524,000 | $89,000 | $183,000 |
| Preapproval Denied by Financial Institution | 4 | $797,000 | $199,000 | $345,000 | $51,000 | $97,000 |
| File Closed For Incompleteness | 1 | $150,000 | $150,000 | $150,000 | $32,000 | $32,000 |
| Loan Purchased By The 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 | 38 | $4,016,000 | $105,000 | $450,000 | $58,000 | $130,000 |
| Credit History | 22 | $1,931,000 | $87,000 | $425,000 | $73,000 | $159,000 |
| Collateral | 15 | $837,000 | $55,000 | $162,000 | $124,000 | $300,000 |
| Other | 11 | $629,000 | $57,000 | $150,000 | $77,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $250,000 | $250,000 | $250,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Yardville National Bank's 2007 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 The Yardville National 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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