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- Data Updated through 2023
Refinance.Com
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Refinance.Com 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Refinance.Com 60 Oak Drive Syosset, NY 11791 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2004 2003 |
| Total Number of Mortgage Applications | 2,577 |
| Total Mortgage Loan Application Amount | $541,431,000 |
| Average Mortgage Loan Application Amount | $178,400 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $163,150 |
| Highest Applicant Income | $2,036,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Refinance.Com. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Refinance.Com's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Refinance.Com's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Refinance.Com serves its applicants.
Each category highlights the total number of mortgage applications processed by Refinance.Com, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Refinance.Com's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Colorado | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Alachua County Florida | 6 | $ 726,000 | $ 121,000 | $ 79,000 |
| Albany County New York | 15 | $ 2,154,000 | $ 143,000 | $ 66,000 |
| Anoka County Minnesota | 1 | $ 252,000 | $ 252,000 | $ 51,000 |
| Arapahoe County Colorado | 2 | $ 262,000 | $ 131,000 | $ 70,000 |
| Baker County Florida | 1 | $ 400,000 | $ 400,000 | $ 145,000 |
| Barnstable County Massachusetts | 4 | $ 850,000 | $ 212,000 | $ 143,000 |
| Bay County Florida | 3 | $ 332,000 | $ 110,000 | $ 50,000 |
| Beaufort County South Carolina | 5 | $ 687,000 | $ 137,000 | $ 62,000 |
| Berkeley County South Carolina | 2 | $ 181,000 | $ 90,000 | $ 45,000 |
| Berkshire County Massachusetts | 2 | $ 241,000 | $ 120,000 | $ 64,000 |
| Brevard County Florida | 21 | $ 2,789,000 | $ 132,000 | $ 52,000 |
| Bristol County Massachusetts | 12 | $ 2,086,000 | $ 173,000 | $ 80,000 |
| Bronx County New York | 58 | $ 13,852,000 | $ 238,000 | $ 76,000 |
| Broome County New York | 6 | $ 409,000 | $ 68,000 | $ 62,000 |
| Broward County Florida | 37 | $ 5,921,000 | $ 160,000 | $ 78,000 |
| Cattaraugus County New York | 1 | $ 124,000 | $ 124,000 | $ 108,000 |
| Cayuga County New York | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Charleston County South Carolina | 2 | $ 266,000 | $ 133,000 | $ 65,000 |
| Charlotte County Florida | 7 | $ 1,202,000 | $ 171,000 | $ 67,000 |
| Chautauqua County New York | 2 | $ 266,000 | $ 133,000 | $ 62,000 |
| Chemung County New York | 2 | $ 123,000 | $ 61,000 | $ 30,000 |
| Chenango County New York | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Citrus County Florida | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Clay County Florida | 5 | $ 681,000 | $ 136,000 | $ 77,000 |
| Clay County Indiana | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Clinton County New York | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Collier County Florida | 7 | $ 1,239,000 | $ 177,000 | $ 62,000 |
| Columbia County Florida | 2 | $ 295,000 | $ 147,000 | $ 80,000 |
| Columbia County New York | 6 | $ 641,000 | $ 106,000 | $ 61,000 |
| Delaware County Indiana | 1 | $ 84,000 | $ 84,000 | $ 67,000 |
| Delaware County New York | 4 | $ 370,000 | $ 92,000 | $ 42,000 |
| DeSoto County Florida | 1 | $ 133,000 | $ 133,000 | $ 120,000 |
| Dorchester County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Dutchess County New York | 20 | $ 4,259,000 | $ 212,000 | $ 77,000 |
| Duval County Florida | 9 | $ 1,084,000 | $ 120,000 | $ 30,000 |
| El Paso County Colorado | 1 | $ 370,000 | $ 370,000 | $ 98,000 |
| Elkhart County Indiana | 1 | $ 99,000 | $ 99,000 | $ 64,000 |
| Erie County New York | 10 | $ 1,145,000 | $ 114,000 | $ 57,000 |
| Escambia County Florida | 3 | $ 319,000 | $ 106,000 | $ 53,000 |
| Essex County Massachusetts | 14 | $ 3,044,000 | $ 217,000 | $ 70,000 |
| Essex County New York | 2 | $ 258,000 | $ 129,000 | $ 49,000 |
| Fairfield County Connecticut | 39 | $ 9,686,000 | $ 248,000 | $ 80,000 |
| Flagler County Florida | 3 | $ 889,000 | $ 296,000 | $ 92,000 |
| Franklin County Florida | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Franklin County Massachusetts | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Franklin County New York | 5 | $ 391,000 | $ 78,000 | $ 48,000 |
| Genesee County New York | 5 | $ 445,000 | $ 89,000 | $ 59,000 |
| Glades County Florida | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Greene County New York | 6 | $ 589,000 | $ 98,000 | $ 85,000 |
| Greenville County South Carolina | 5 | $ 495,000 | $ 99,000 | $ 79,000 |
| Greenwood County South Carolina | 2 | $ 238,000 | $ 119,000 | $ 69,000 |
| Hamilton County New York | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Hampden County Massachusetts | 8 | $ 1,229,000 | $ 153,000 | $ 62,000 |
| Hancock County Indiana | 1 | $ 172,000 | $ 172,000 | $ 80,000 |
| Hardee County Florida | 3 | $ 336,000 | $ 112,000 | $ 57,000 |
| Harrison County Indiana | 1 | $ 234,000 | $ 234,000 | $ 82,000 |
| Hartford County Connecticut | 22 | $ 3,199,000 | $ 145,000 | $ 77,000 |
| Hendricks County Indiana | 2 | $ 283,000 | $ 141,000 | $ 50,000 |
| Hennepin County Minnesota | 2 | $ 556,000 | $ 278,000 | $ 79,000 |
| Herkimer County New York | 4 | $ 487,000 | $ 121,000 | $ 62,000 |
| Hernando County Florida | 3 | $ 302,000 | $ 100,000 | $ 38,000 |
| Highlands County Florida | 2 | $ 176,000 | $ 88,000 | $ 75,000 |
| Hillsborough County Florida | 12 | $ 1,643,000 | $ 136,000 | $ 41,000 |
| Horry County South Carolina | 2 | $ 262,000 | $ 131,000 | $ 87,000 |
| Huntington County Indiana | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Indian River County Florida | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Jefferson County New York | 1 | $ 126,000 | $ 126,000 | $ 99,000 |
| Johnson County Indiana | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Kings County New York | 132 | $ 33,133,000 | $ 251,000 | $ 85,000 |
| Koochiching County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 49,000 |
| Kosciusko County Indiana | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| La Plata County Colorado | 1 | $ 204,000 | $ 204,000 | $ 39,000 |
| Lake County Florida | 4 | $ 380,000 | $ 95,000 | $ 51,000 |
| Lake County Indiana | 1 | $ 157,000 | $ 157,000 | $ 73,000 |
| LaPorte County Indiana | 3 | $ 368,000 | $ 122,000 | $ 44,000 |
| Lee County Florida | 13 | $ 1,620,000 | $ 124,000 | $ 53,000 |
| Leon County Florida | 13 | $ 1,618,000 | $ 124,000 | $ 74,000 |
| Lexington County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 20,000 |
| Litchfield County Connecticut | 6 | $ 1,017,000 | $ 169,000 | $ 74,000 |
| Madison County Indiana | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Madison County New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Manatee County Florida | 3 | $ 533,000 | $ 177,000 | $ 51,000 |
| Marion County Florida | 6 | $ 516,000 | $ 86,000 | $ 42,000 |
| Marion County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Martin County Florida | 5 | $ 800,000 | $ 160,000 | $ 73,000 |
| Mesa County Colorado | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Miami-Dade County Florida | 29 | $ 5,507,000 | $ 189,000 | $ 113,000 |
| Middlesex County Connecticut | 6 | $ 1,192,000 | $ 198,000 | $ 137,000 |
| Middlesex County Massachusetts | 34 | $ 7,922,000 | $ 233,000 | $ 127,000 |
| Monroe County New York | 14 | $ 1,760,000 | $ 125,000 | $ 67,000 |
| Montgomery County New York | 3 | $ 268,000 | $ 89,000 | $ 58,000 |
| Nassau County Florida | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Nassau County New York | 487 | $ 120,773,000 | $ 247,000 | $ 94,000 |
| New Haven County Connecticut | 36 | $ 5,863,000 | $ 162,000 | $ 62,000 |
| New London County Connecticut | 11 | $ 1,373,000 | $ 124,000 | $ 71,000 |
| New York County New York | 16 | $ 4,540,000 | $ 283,000 | $ 128,000 |
| Niagara County New York | 6 | $ 635,000 | $ 105,000 | $ 58,000 |
| Noble County Indiana | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| Norfolk County Massachusetts | 10 | $ 2,779,000 | $ 277,000 | $ 102,000 |
| Okaloosa County Florida | 2 | $ 212,000 | $ 106,000 | $ 42,000 |
| Oneida County New York | 6 | $ 549,000 | $ 91,000 | $ 65,000 |
| Onondaga County New York | 9 | $ 1,032,000 | $ 114,000 | $ 63,000 |
| Ontario County New York | 3 | $ 216,000 | $ 72,000 | $ 94,000 |
| Orange County Florida | 15 | $ 1,938,000 | $ 129,000 | $ 54,000 |
| Orange County New York | 47 | $ 8,105,000 | $ 172,000 | $ 84,000 |
| Osceola County Florida | 3 | $ 233,000 | $ 77,000 | $ 86,000 |
| Oswego County New York | 3 | $ 245,000 | $ 81,000 | $ 59,000 |
| Otsego County New York | 5 | $ 416,000 | $ 83,000 | $ 50,000 |
| Palm Beach County Florida | 22 | $ 3,534,000 | $ 160,000 | $ 88,000 |
| Pasco County Florida | 3 | $ 347,000 | $ 115,000 | $ 55,000 |
| Pinellas County Florida | 14 | $ 2,229,000 | $ 159,000 | $ 73,000 |
| Plymouth County Massachusetts | 8 | $ 1,595,000 | $ 199,000 | $ 61,000 |
| Polk County Florida | 7 | $ 641,000 | $ 91,000 | $ 41,000 |
| Putnam County Florida | 3 | $ 159,000 | $ 53,000 | $ 35,000 |
| Putnam County New York | 14 | $ 2,644,000 | $ 188,000 | $ 86,000 |
| Queens County New York | 251 | $ 61,279,000 | $ 244,000 | $ 67,000 |
| Rensselaer County New York | 8 | $ 911,000 | $ 113,000 | $ 47,000 |
| Richmond County New York | 80 | $ 17,342,000 | $ 216,000 | $ 64,000 |
| Rockland County New York | 31 | $ 7,028,000 | $ 226,000 | $ 85,000 |
| Santa Rosa County Florida | 2 | $ 333,000 | $ 166,000 | $ 83,000 |
| Sarasota County Florida | 10 | $ 1,441,000 | $ 144,000 | $ 113,000 |
| Saratoga County New York | 11 | $ 1,572,000 | $ 142,000 | $ 65,000 |
| Schenectady County New York | 5 | $ 674,000 | $ 134,000 | $ 97,000 |
| Schoharie County New York | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Seminole County Florida | 5 | $ 640,000 | $ 128,000 | $ 36,000 |
| Seneca County New York | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| St. Johns County Florida | 3 | $ 504,000 | $ 168,000 | $ 88,000 |
| St. Lawrence County New York | 4 | $ 314,000 | $ 78,000 | $ 36,000 |
| St. Louis County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| St. Lucie County Florida | 9 | $ 1,155,000 | $ 128,000 | $ 52,000 |
| Steele County Minnesota | 2 | $ 202,000 | $ 101,000 | $ 36,000 |
| Steuben County New York | 1 | $ 59,000 | $ 59,000 | $ 43,000 |
| Suffolk County Massachusetts | 6 | $ 1,407,000 | $ 234,000 | $ 73,000 |
| Suffolk County New York | 479 | $ 108,737,000 | $ 227,000 | $ 92,000 |
| Sullivan County New York | 7 | $ 869,000 | $ 124,000 | $ 74,000 |
| Summit County Colorado | 1 | $ 323,000 | $ 323,000 | $ 86,000 |
| Sumter County Florida | 3 | $ 256,000 | $ 85,000 | $ 48,000 |
| Suwannee County Florida | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Tioga County New York | 3 | $ 151,000 | $ 50,000 | $ 49,000 |
| Tipton County Indiana | 1 | $ 69,000 | $ 69,000 | $ 53,000 |
| Tolland County Connecticut | 4 | $ 606,000 | $ 151,000 | $ 62,000 |
| Tompkins County New York | 2 | $ 203,000 | $ 101,000 | $ 48,000 |
| Ulster County New York | 13 | $ 1,782,000 | $ 137,000 | $ 60,000 |
| Volusia County Florida | 18 | $ 2,257,000 | $ 125,000 | $ 54,000 |
| Walton County Florida | 4 | $ 1,007,000 | $ 251,000 | $ 64,000 |
| Warren County Indiana | 1 | $ 199,000 | $ 199,000 | $ 73,000 |
| Warren County New York | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Washington County Florida | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Washington County New York | 3 | $ 283,000 | $ 94,000 | $ 60,000 |
| Wayne County Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Wayne County New York | 8 | $ 919,000 | $ 114,000 | $ 93,000 |
| Westchester County New York | 57 | $ 18,472,000 | $ 324,000 | $ 178,000 |
| Windham County Connecticut | 3 | $ 344,000 | $ 114,000 | $ 62,000 |
| Worcester County Massachusetts | 18 | $ 2,907,000 | $ 161,000 | $ 78,000 |
| York County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Refinance.Com in 2003
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 Purchase (one-to-four family) | 1,369 | $310,369,000 | $185,555 | $3,500,000 | $74,222 | $2,036,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1,207 | $230,894,000 | $173,000 | $1,620,000 | $259,500 | $2,005,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $168,000 | $168,000 | $168,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,725 | $353,259,000 | $179,444 | $3,500,000 | $73,222 | $2,036,000 |
| Black | 300 | $70,453,000 | $202,666 | $500,000 | $70,666 | $274,000 |
| Hispanic | 233 | $48,485,000 | $170,333 | $500,000 | $56,166 | $592,000 |
| Information not provided by applicant in mail or telephone application | 192 | $38,264,000 | $152,625 | $720,000 | $68,250 | $720,000 |
| Other | 59 | $14,185,000 | $196,200 | $843,000 | $63,200 | $216,000 |
| Asian or Pacific Islander | 47 | $13,013,000 | $265,000 | $1,000,000 | $115,000 | $704,000 |
| Not applicable | 19 | $3,571,000 | $165,200 | $450,000 | $71,000 | $362,000 |
| American Indian or Alaskan Native | 3 | $523,000 | $174,333 | $257,000 | $695,333 | $2,005,000 |
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) | 2,417 | $505,238,000 | $184,600 | $3,500,000 | $264,000 | $2,036,000 |
| FHA-insured (Federal Housing Administration) | 161 | $36,515,000 | $214,000 | $355,000 | $68,000 | $136,000 |
| 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 | 2,327 | $471,062,000 | $182,900 | $1,700,000 | $262,400 | $2,036,000 |
| Application Withdrawn By Applicant | 122 | $31,317,000 | $269,333 | $1,620,000 | $102,333 | $704,000 |
| Application Approved But Not Accepted | 114 | $31,805,000 | $269,333 | $1,000,000 | $87,333 | $704,000 |
| Application Denied By Financial Institution | 12 | $6,814,000 | $423,000 | $3,500,000 | $150,500 | $1,077,000 |
| File Closed For Incompleteness | 2 | $470,000 | $235,000 | $320,000 | $23,000 | $46,000 |
| Loan Purchased By The Institution | 1 | $285,000 | $285,000 | $285,000 | $110,000 | $110,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $1,172,000 | $586,000 | $1,000,000 | $466,000 | $840,000 |
| Credit History | 2 | $591,000 | $295,000 | $325,000 | $77,000 | $84,000 |
| Debt-To-Income Ratio | 2 | $496,000 | $248,000 | $250,000 | $75,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $232,000 | $232,000 | $232,000 | $85,000 | $85,000 |
| Other | 1 | $3,500,000 | $3,500,000 | $3,500,000 | $1,077,000 | $1,077,000 |
| Unverifiable Information | 1 | $220,000 | $220,000 | $220,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Refinance.Com's 2003 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 Refinance.Com'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 York, download the full spreadsheet
with aggregated HMDA statistics today.
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