New York-Wayne-White Plains, NY-NJ Metro Area Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 496,786 mortgage applications in New York-Wayne-White Plains, NY-NJ metro area totaling $162.5 billion, up 3% from 2004. The average application was for $327,151, and applicants reported an average income of $115,000. 40% of applications resulted in an originated loan and 20% were denied. The most active lender was Ameriquest Mortgage Company, with 31,985 applications, followed by JPMorgan Chase Bank, NA and Washington Mutual Bank.
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| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 496,786 |
| Total Mortgage Loan Application Amount | $162,524,200,000 |
| Average Mortgage Loan Application Amount | $327,151 |
| Highest Mortgage Loan Application Amount | $98,775,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $9,999,000 |
Top Mortgage Lenders in New York-Wayne-White Plains, NY-NJ Metro Area (2005)
Ranked by the number of mortgage applications each lender reported in New York-Wayne-White Plains, NY-NJ metro area in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Ameriquest Mortgage Company Orange, CA |
31,985 | $10,005,658,000 | $312,000 | $158,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
26,449 | $8,675,780,000 | $328,000 | $112,000 |
| 3 | Washington Mutual Bank Albion, NY |
25,583 | $10,784,552,000 | $421,000 | $110,000 |
| 4 | Countrywide Home Loans Westlake Village, CA |
22,084 | $7,275,586,000 | $329,000 | $112,000 |
| 5 | Citimortgage, Inc New York, NY |
18,379 | $6,225,036,000 | $338,000 | $155,000 |
| 6 | Wells Fargo Bank, NA Des Moines, IA |
17,853 | $6,479,758,000 | $362,000 | $126,000 |
| 7 | Fremont Investment & Loan Brea, CA |
16,496 | $5,093,712,000 | $308,000 | $127,000 |
| 8 | Argent Mortgage Company Orange, CA |
14,987 | $4,941,673,000 | $329,000 | $111,000 |
| 9 | Option One Mortgage Corp Irvine, CA |
10,952 | $3,655,229,000 | $333,000 | $108,000 |
| 10 | Aurora Bank FSB New York, NY |
10,014 | $3,467,330,000 | $346,000 | $114,000 |
See every lender active in New York-Wayne-White Plains, NY-NJ metro area in 2005 »
The tables below break down 2005 mortgage applications in New York-Wayne-White Plains, NY-NJ metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for New York-Wayne-White Plains, NY-NJ in 2005
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 | 244,356 | $80,931,221,000 | $331,000 | $98,775,000 | $105,000 | $9,999,000 |
| Home Purchase | 217,793 | $76,087,681,000 | $349,000 | $76,500,000 | $130,000 | $9,999,000 |
| Home Improvement | 34,637 | $5,505,298,000 | $158,000 | $9,575,000 | $107,000 | $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 | 164,613 | $56,109,186,000 | $340,000 | $14,000,000 | $142,000 | $9,999,000 |
| Not Provided | 96,047 | $30,338,959,000 | $315,000 | $20,000,000 | $125,000 | $9,999,000 |
| Black or African American | 94,383 | $25,123,916,000 | $266,000 | $20,000,000 | $90,000 | $7,560,000 |
| Hispanic | 61,634 | $17,591,718,000 | $285,000 | $5,856,000 | $98,000 | $9,999,000 |
| Asian | 38,890 | $12,552,989,000 | $322,000 | $12,000,000 | $124,000 | $8,000,000 |
| Not applicable | 35,627 | $19,202,872,000 | $538,000 | $98,775,000 | $48,000 | $9,999,000 |
| Native Hawaiian or Other Pacific Islander | 3,246 | $938,800,000 | $289,000 | $1,500,000 | $108,000 | $6,428,000 |
| American Indian or Alaskan Native | 2,346 | $665,760,000 | $283,000 | $2,500,000 | $106,000 | $2,460,000 |
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) | 493,036 | $161,411,329,000 | $327,000 | $98,775,000 | $117,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 3,606 | $1,089,582,000 | $302,000 | $94,230,000 | $61,000 | $401,000 |
| VA-guaranteed (Veterans Administration) | 136 | $20,854,000 | $153,000 | $360,000 | $41,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $2,435,000 | $304,000 | $407,000 | $28,000 | $409,000 |
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 | 199,098 | $68,624,738,000 | $344,000 | $98,775,000 | $125,000 | $9,999,000 |
| Application Denied By Financial Institution | 98,599 | $29,510,367,000 | $299,000 | $16,875,000 | $109,000 | $9,999,000 |
| Application Withdrawn By Applicant | 71,947 | $23,123,932,000 | $321,000 | $96,000,000 | $121,000 | $9,999,000 |
| Loan Purchased By The Institution | 63,238 | $21,019,198,000 | $332,000 | $94,229,000 | $74,000 | $9,999,000 |
| Application Approved But Not Accepted | 39,281 | $12,480,591,000 | $317,000 | $14,000,000 | $120,000 | $9,999,000 |
| File Closed For Incompleteness | 24,603 | $7,760,490,000 | $315,000 | $20,000,000 | $129,000 | $9,999,000 |
| Preapproval Denied by Financial Institution | 16 | $3,924,000 | $245,000 | $864,000 | $56,000 | $126,000 |
| Preapproval Approved but not Accepted | 4 | $960,000 | $240,000 | $350,000 | $85,000 | $145,000 |
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 |
|---|---|---|---|---|---|---|
| Other | 22,551 | $7,708,835,000 | $341,000 | $14,000,000 | $118,000 | $9,999,000 |
| Credit History | 14,084 | $3,392,506,000 | $240,000 | $8,720,000 | $102,000 | $7,800,000 |
| Credit Application Incomplete | 13,133 | $4,400,502,000 | $335,000 | $11,000,000 | $129,000 | $9,999,000 |
| Debt-To-Income Ratio | 10,617 | $2,941,333,000 | $277,000 | $6,000,000 | $85,000 | $3,458,000 |
| Collateral | 8,530 | $2,745,579,000 | $321,000 | $14,000,000 | $125,000 | $9,999,000 |
| Unverifiable Information | 5,246 | $1,695,451,000 | $323,000 | $2,700,000 | $122,000 | $4,104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,023 | $402,102,000 | $393,000 | $7,500,000 | $120,000 | $2,640,000 |
| Employment History | 652 | $203,778,000 | $312,000 | $1,885,000 | $109,000 | $1,000,000 |
| Mortgage Insurance Denied | 49 | $14,676,000 | $299,000 | $683,000 | $76,000 | $224,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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