BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2016
In 2016, BNY Mellon, N.A. of Boston, MA reported 2,459 mortgage applications totaling $2.9 billion, up 24% from 2015. The average application was for $1,194,050, and applicants reported an average income of $674,768. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (253), Los Angeles-Long Beach-Glendale, CA (179) and Phoenix-Mesa-Scottsdale, AZ (117) (applications in parentheses).
| Mortgage Company & Address | BNY Mellon, N.A. Boston, MA 02108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,459 |
| Total Mortgage Loan Application Amount | $2,936,169,000 |
| Average Mortgage Loan Application Amount | $1,194,050 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $674,768 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 179 | $ 269,647,000 | $ 1,506,407 | $ 759,000 |
| New York, New York | 136 | $ 214,747,000 | $ 1,579,022 | $ 1,056,000 |
| Maricopa, Arizona | 117 | $ 134,444,000 | $ 1,149,094 | $ 673,000 |
| Fairfield, Connecticut | 81 | $ 116,307,000 | $ 1,435,888 | $ 688,000 |
| Orange, California | 80 | $ 105,733,000 | $ 1,321,662 | $ 639,000 |
| San Diego, California | 76 | $ 86,861,000 | $ 1,142,907 | $ 530,000 |
| Middlesex, Massachusetts | 62 | $ 76,331,000 | $ 1,231,145 | $ 719,000 |
| Cook, Illinois | 52 | $ 53,207,000 | $ 1,023,211 | $ 664,000 |
| King, Washington | 47 | $ 43,636,000 | $ 928,425 | $ 408,000 |
| Suffolk, Massachusetts | 45 | $ 57,321,000 | $ 1,273,800 | $ 682,000 |
| San Mateo, California | 43 | $ 70,439,000 | $ 1,638,116 | $ 651,000 |
| Fulton, Georgia | 41 | $ 46,119,000 | $ 1,124,853 | $ 679,000 |
| San Francisco, California | 40 | $ 54,528,000 | $ 1,363,200 | $ 634,000 |
| Marin, California | 37 | $ 52,068,000 | $ 1,407,243 | $ 516,000 |
| Santa Clara, California | 37 | $ 37,605,000 | $ 1,016,351 | $ 417,000 |
| Suffolk, New York | 37 | $ 60,115,000 | $ 1,624,729 | $ 1,798,000 |
| Norfolk, Massachusetts | 36 | $ 36,296,000 | $ 1,008,222 | $ 463,000 |
| Dallas, Texas | 34 | $ 46,763,000 | $ 1,375,382 | $ 760,000 |
| Westchester, New York | 32 | $ 31,906,000 | $ 997,062 | $ 558,000 |
| Harris, Texas | 27 | $ 39,666,000 | $ 1,469,111 | $ 793,000 |
| Miami-Dade, Florida | 25 | $ 41,729,000 | $ 1,669,160 | $ 745,000 |
| Montgomery, Maryland | 24 | $ 23,124,000 | $ 963,500 | $ 471,000 |
| Palm Beach, Florida | 23 | $ 28,819,000 | $ 1,253,000 | $ 990,000 |
| Kings, New York | 22 | $ 29,163,000 | $ 1,325,590 | $ 618,000 |
| Clackamas, Oregon | 22 | $ 23,938,000 | $ 1,088,090 | $ 523,000 |
| Contra Costa, California | 21 | $ 20,366,000 | $ 969,809 | $ 526,000 |
| Collier, Florida | 21 | $ 30,387,000 | $ 1,447,000 | $ 925,000 |
| Travis, Texas | 21 | $ 19,946,000 | $ 949,809 | $ 520,000 |
| District of Columbia, District Of Columbia | 20 | $ 24,833,000 | $ 1,241,650 | $ 605,000 |
| Monmouth, New Jersey | 19 | $ 18,319,000 | $ 964,157 | $ 666,000 |
| Barnstable, Massachusetts | 18 | $ 17,863,000 | $ 992,388 | $ 612,000 |
| Multnomah, Oregon | 18 | $ 19,257,000 | $ 1,069,833 | $ 519,000 |
| Montgomery, Pennsylvania | 17 | $ 14,849,000 | $ 873,470 | $ 580,000 |
| Fairfax, Virginia | 17 | $ 17,420,000 | $ 1,024,705 | $ 634,000 |
| Bergen, New Jersey | 16 | $ 17,477,000 | $ 1,092,312 | $ 544,000 |
| Alameda, California | 15 | $ 16,149,000 | $ 1,076,600 | $ 488,000 |
| Denver, Colorado | 14 | $ 10,765,000 | $ 768,928 | $ 397,000 |
| Broward, Florida | 14 | $ 13,587,000 | $ 970,500 | $ 679,000 |
| Allegheny, Pennsylvania | 14 | $ 9,752,000 | $ 696,571 | $ 610,000 |
| Santa Barbara, California | 13 | $ 24,033,000 | $ 1,848,692 | $ 975,000 |
| Nantucket, Massachusetts | 13 | $ 20,077,000 | $ 1,544,384 | $ 892,000 |
| Ocean, New Jersey | 13 | $ 12,977,000 | $ 998,230 | $ 915,000 |
| Essex, Massachusetts | 12 | $ 9,002,000 | $ 750,166 | $ 587,000 |
| Riverside, California | 11 | $ 8,535,000 | $ 775,909 | $ 507,000 |
| Boulder, Colorado | 11 | $ 9,971,000 | $ 906,454 | $ 522,000 |
| Lee, Florida | 11 | $ 12,584,000 | $ 1,144,000 | $ 632,000 |
| Lake, Illinois | 11 | $ 8,669,000 | $ 788,090 | $ 547,000 |
| Nassau, New York | 11 | $ 10,606,000 | $ 964,181 | $ 585,000 |
| Mecklenburg, North Carolina | 11 | $ 10,687,000 | $ 971,545 | $ 570,000 |
| Hillsborough, Florida | 10 | $ 9,525,000 | $ 952,500 | $ 622,000 |
| DuPage, Illinois | 10 | $ 8,052,000 | $ 805,200 | $ 521,000 |
| Plymouth, Massachusetts | 10 | $ 6,324,000 | $ 632,400 | $ 319,000 |
| Essex, New Jersey | 10 | $ 10,396,000 | $ 1,039,600 | $ 676,000 |
| Morris, New Jersey | 10 | $ 8,880,000 | $ 888,000 | $ 578,000 |
| Monterey, California | 9 | $ 17,795,000 | $ 1,977,222 | $ 834,000 |
| Cobb, Georgia | 9 | $ 7,628,000 | $ 847,555 | $ 725,000 |
| Clark, Nevada | 9 | $ 6,861,000 | $ 762,333 | $ 489,000 |
| Somerset, New Jersey | 9 | $ 9,235,000 | $ 1,026,111 | $ 1,022,000 |
| Loudoun, Virginia | 9 | $ 6,554,000 | $ 728,222 | $ 365,000 |
| Pitkin, Colorado | 8 | $ 26,010,000 | $ 3,251,250 | $ 1,370,000 |
| Pinellas, Florida | 8 | $ 9,088,000 | $ 1,136,000 | $ 428,000 |
| Honolulu, Hawaii | 8 | $ 7,880,000 | $ 985,000 | $ 347,000 |
| St. Louis, Missouri | 8 | $ 7,668,000 | $ 958,500 | $ 829,000 |
| Newport, Rhode Island | 8 | $ 9,614,000 | $ 1,201,750 | $ 671,000 |
| Summit, Utah | 8 | $ 11,653,000 | $ 1,456,625 | $ 849,000 |
| Ventura, California | 7 | $ 10,172,000 | $ 1,453,142 | $ 871,000 |
| Eagle, Colorado | 7 | $ 11,173,000 | $ 1,596,142 | $ 762,000 |
| Baltimore, Maryland | 7 | $ 6,965,000 | $ 995,000 | $ 527,000 |
| Hennepin, Minnesota | 7 | $ 9,834,000 | $ 1,404,857 | $ 563,000 |
| Hudson, New Jersey | 7 | $ 7,769,000 | $ 1,109,857 | $ 636,000 |
| Union, New Jersey | 7 | $ 6,047,000 | $ 863,857 | $ 433,000 |
| Washington, Oregon | 7 | $ 7,149,000 | $ 1,021,285 | $ 567,000 |
| Charleston, South Carolina | 7 | $ 6,431,000 | $ 918,714 | $ 830,000 |
| Davidson, Tennessee | 7 | $ 11,783,000 | $ 1,683,285 | $ 536,000 |
| Douglas, Colorado | 6 | $ 5,799,000 | $ 966,500 | $ 431,000 |
| Jefferson, Colorado | 6 | $ 5,297,000 | $ 882,833 | $ 284,000 |
| Litchfield, Connecticut | 6 | $ 8,532,000 | $ 1,422,000 | $ 1,019,000 |
| Johnson, Kansas | 6 | $ 6,717,000 | $ 1,119,500 | $ 1,108,000 |
| Anne Arundel, Maryland | 6 | $ 4,979,000 | $ 829,833 | $ 373,000 |
| Jefferson, Alabama | 5 | $ 7,540,000 | $ 1,508,000 | $ 784,000 |
| Sonoma, California | 5 | $ 5,898,000 | $ 1,179,600 | $ 424,000 |
| Arapahoe, Colorado | 5 | $ 3,492,000 | $ 698,400 | $ 460,000 |
| Monroe, Florida | 5 | $ 6,116,000 | $ 1,223,200 | $ 951,000 |
| DeKalb, Georgia | 5 | $ 3,145,000 | $ 629,000 | $ 279,000 |
| Dukes, Massachusetts | 5 | $ 8,441,000 | $ 1,688,200 | $ 564,000 |
| Dutchess, New York | 5 | $ 2,956,000 | $ 591,200 | $ 742,000 |
| Queens, New York | 5 | $ 3,327,000 | $ 665,400 | $ 384,000 |
| Philadelphia, Pennsylvania | 5 | $ 3,732,000 | $ 746,400 | $ 405,000 |
| Beaufort, South Carolina | 5 | $ 5,078,000 | $ 1,015,600 | $ 657,000 |
| Windham, Vermont | 5 | $ 2,503,000 | $ 500,600 | $ 494,000 |
| Arlington, Virginia | 5 | $ 3,997,000 | $ 799,400 | $ 681,000 |
| Teton, Wyoming | 5 | $ 5,012,000 | $ 1,002,400 | $ 825,000 |
| Pima, Arizona | 4 | $ 3,690,000 | $ 922,500 | $ 371,000 |
| Sussex, Delaware | 4 | $ 4,396,000 | $ 1,099,000 | $ 351,000 |
| Walton, Florida | 4 | $ 6,406,000 | $ 1,601,500 | $ 1,095,000 |
| Cumberland, Maine | 4 | $ 3,341,000 | $ 835,250 | $ 352,000 |
| Santa Fe, New Mexico | 4 | $ 3,725,000 | $ 931,250 | $ 468,000 |
| Williamson, Tennessee | 4 | $ 3,385,000 | $ 846,250 | $ 535,000 |
| Collin, Texas | 4 | $ 3,960,000 | $ 990,000 | $ 587,000 |
| Salt Lake, Utah | 4 | $ 5,410,000 | $ 1,352,500 | $ 794,000 |
| Fauquier, Virginia | 4 | $ 2,331,000 | $ 582,750 | $ 420,000 |
| Placer, California | 3 | $ 2,946,000 | $ 982,000 | $ 1,005,000 |
| Santa Cruz, California | 3 | $ 2,465,000 | $ 821,666 | $ 310,000 |
| Summit, Colorado | 3 | $ 2,833,000 | $ 944,333 | $ 559,000 |
| Orange, Florida | 3 | $ 3,415,000 | $ 1,138,333 | $ 2,211,000 |
| Sarasota, Florida | 3 | $ 2,800,000 | $ 933,333 | $ 326,000 |
| Hawaii, Hawaii | 3 | $ 8,475,000 | $ 2,825,000 | $ 2,202,000 |
| Maui, Hawaii | 3 | $ 3,660,000 | $ 1,220,000 | $ 664,000 |
| Blaine, Idaho | 3 | $ 2,523,000 | $ 841,000 | $ 846,000 |
| LaPorte, Indiana | 3 | $ 1,570,000 | $ 523,333 | $ 573,000 |
| York, Maine | 3 | $ 5,870,000 | $ 1,956,666 | $ 788,000 |
| Howard, Maryland | 3 | $ 1,690,000 | $ 563,333 | $ 335,000 |
| Worcester, Massachusetts | 3 | $ 2,480,000 | $ 826,666 | $ 423,000 |
| Gallatin, Montana | 3 | $ 2,836,000 | $ 945,333 | $ 301,000 |
| Missoula, Montana | 3 | $ 1,650,000 | $ 550,000 | $ 402,000 |
| Cape May, New Jersey | 3 | $ 2,645,000 | $ 881,666 | $ 443,000 |
| Mercer, New Jersey | 3 | $ 4,021,000 | $ 1,340,333 | $ 802,000 |
| Jackson, North Carolina | 3 | $ 3,685,000 | $ 1,228,333 | $ 653,000 |
| Cuyahoga, Ohio | 3 | $ 1,870,000 | $ 623,333 | $ 863,000 |
| Franklin, Ohio | 3 | $ 3,450,000 | $ 1,150,000 | $ 495,000 |
| Bucks, Pennsylvania | 3 | $ 3,078,000 | $ 1,026,000 | $ 807,000 |
| Lancaster, Pennsylvania | 3 | $ 1,409,000 | $ 469,666 | $ 324,000 |
| Kent, Rhode Island | 3 | $ 2,100,000 | $ 700,000 | $ 485,000 |
| Washington, Rhode Island | 3 | $ 2,500,000 | $ 833,333 | $ 584,000 |
| Bennington, Vermont | 3 | $ 3,905,000 | $ 1,301,666 | $ 801,000 |
| Windsor, Vermont | 3 | $ 2,936,000 | $ 978,666 | $ 906,000 |
| Alexandria, Virginia | 3 | $ 1,826,000 | $ 608,666 | $ 222,000 |
| Prince William, Virginia | 3 | $ 1,997,000 | $ 665,666 | $ 437,000 |
| Pierce, Washington | 3 | $ 1,794,000 | $ 598,000 | $ 220,000 |
| El Dorado, California | 2 | $ 2,182,000 | $ 1,091,000 | $ 759,000 |
| Fresno, California | 2 | $ 2,200,000 | $ 1,100,000 | $ 975,000 |
| San Bernardino, California | 2 | $ 3,582,000 | $ 1,791,000 | $ 1,831,000 |
| San Luis Obispo, California | 2 | $ 1,064,000 | $ 532,000 | $ 471,000 |
| Grand, Colorado | 2 | $ 1,330,000 | $ 665,000 | $ 557,000 |
| Duval, Florida | 2 | $ 1,325,000 | $ 662,500 | $ 269,000 |
| Martin, Florida | 2 | $ 3,520,000 | $ 1,760,000 | $ 823,000 |
| Nassau, Florida | 2 | $ 3,600,000 | $ 1,800,000 | $ 958,000 |
| St. Johns, Florida | 2 | $ 1,100,000 | $ 550,000 | $ 146,000 |
| Chatham, Georgia | 2 | $ 2,090,000 | $ 1,045,000 | $ 495,000 |
| Glynn, Georgia | 2 | $ 2,731,000 | $ 1,365,500 | $ 554,000 |
| Gwinnett, Georgia | 2 | $ 1,760,000 | $ 880,000 | $ 375,000 |
| Ada, Idaho | 2 | $ 1,065,000 | $ 532,500 | $ 313,000 |
| Boone, Illinois | 2 | $ 3,000,000 | $ 1,500,000 | $ 483,000 |
| Kane, Illinois | 2 | $ 1,544,000 | $ 772,000 | $ 439,000 |
| Peoria, Illinois | 2 | $ 2,080,000 | $ 1,040,000 | $ 929,000 |
| Marion, Indiana | 2 | $ 1,244,000 | $ 622,000 | $ 831,000 |
| Orleans, Louisiana | 2 | $ 1,600,000 | $ 800,000 | $ 462,000 |
| Knox, Maine | 2 | $ 948,000 | $ 474,000 | $ 177,000 |
| Baltimore City, Maryland | 2 | $ 1,248,000 | $ 624,000 | $ 258,000 |
| Hampshire, Massachusetts | 2 | $ 840,000 | $ 420,000 | $ 218,000 |
| Berrien, Michigan | 2 | $ 1,925,000 | $ 962,500 | $ 722,000 |
| Charlevoix, Michigan | 2 | $ 2,500,000 | $ 1,250,000 | $ 786,000 |
| Kalamazoo, Michigan | 2 | $ 1,890,000 | $ 945,000 | $ 297,000 |
| Lowndes, Mississippi | 2 | $ 2,012,000 | $ 1,006,000 | $ 1,822,000 |
| Flathead, Montana | 2 | $ 1,830,000 | $ 915,000 | $ 620,000 |
| Washoe, Nevada | 2 | $ 2,850,000 | $ 1,425,000 | $ 1,060,000 |
| Belknap, New Hampshire | 2 | $ 3,000,000 | $ 1,500,000 | $ 1,549,000 |
| Rockingham, New Hampshire | 2 | $ 1,300,000 | $ 650,000 | $ 299,000 |
| Burlington, New Jersey | 2 | $ 1,905,000 | $ 952,500 | $ 786,000 |
| Tulsa, Oklahoma | 2 | $ 1,584,000 | $ 792,000 | $ 449,000 |
| Deschutes, Oregon | 2 | $ 1,208,000 | $ 604,000 | $ 1,524,000 |
| Delaware, Pennsylvania | 2 | $ 1,380,000 | $ 690,000 | $ 1,033,000 |
| Lehigh, Pennsylvania | 2 | $ 1,320,000 | $ 660,000 | $ 347,000 |
| Northampton, Pennsylvania | 2 | $ 2,900,000 | $ 1,450,000 | $ 825,000 |
| Somerset, Pennsylvania | 2 | $ 1,450,000 | $ 725,000 | $ 444,000 |
| Westmoreland, Pennsylvania | 2 | $ 1,715,000 | $ 857,500 | $ 694,000 |
| Bristol, Rhode Island | 2 | $ 1,924,000 | $ 962,000 | $ 294,000 |
| Hamilton, Tennessee | 2 | $ 1,450,000 | $ 725,000 | $ 218,000 |
| Bexar, Texas | 2 | $ 1,395,000 | $ 697,500 | $ 861,000 |
| Denton, Texas | 2 | $ 1,408,000 | $ 704,000 | $ 314,000 |
| Chittenden, Vermont | 2 | $ 1,048,000 | $ 524,000 | $ 276,000 |
| Kitsap, Washington | 2 | $ 1,426,000 | $ 713,000 | $ 253,000 |
| Snohomish, Washington | 2 | $ 1,928,000 | $ 964,000 | $ 359,000 |
| Ozaukee, Wisconsin | 2 | $ 1,025,000 | $ 512,500 | $ 521,000 |
| Baldwin, Alabama | 1 | $ 806,000 | $ 806,000 | $ 1,194,000 |
| Lee, Alabama | 1 | $ 712,000 | $ 712,000 | $ 212,000 |
| Mobile, Alabama | 1 | $ 550,000 | $ 550,000 | $ 114,000 |
| Tuscaloosa, Alabama | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,146,000 |
| Coconino, Arizona | 1 | $ 788,000 | $ 788,000 | $ 706,000 |
| Navajo, Arizona | 1 | $ 439,000 | $ 439,000 | $ 612,000 |
| Benton, Arkansas | 1 | $ 1,208,000 | $ 1,208,000 | $ 358,000 |
| Napa, California | 1 | $ 4,000,000 | $ 4,000,000 | $ 1,419,000 |
| Nevada, California | 1 | $ 800,000 | $ 800,000 | $ 292,000 |
| Sacramento, California | 1 | $ 775,000 | $ 775,000 | $ 453,000 |
| Archuleta, Colorado | 1 | $ 900,000 | $ 900,000 | $ 325,000 |
| Broomfield, Colorado | 1 | $ 800,000 | $ 800,000 | $ 1,028,000 |
| Gunnison, Colorado | 1 | $ 940,000 | $ 940,000 | $ 374,000 |
| Larimer, Colorado | 1 | $ 456,000 | $ 456,000 | $ 411,000 |
| Montrose, Colorado | 1 | $ 505,000 | $ 505,000 | $ 590,000 |
| Routt, Colorado | 1 | $ 600,000 | $ 600,000 | $ 751,000 |
| San Miguel, Colorado | 1 | $ 1,600,000 | $ 1,600,000 | $ 756,000 |
| Weld, Colorado | 1 | $ 480,000 | $ 480,000 | $ 244,000 |
| Hartford, Connecticut | 1 | $ 622,000 | $ 622,000 | $ 205,000 |
| Middlesex, Connecticut | 1 | $ 521,000 | $ 521,000 | $ 538,000 |
| New Haven, Connecticut | 1 | $ 2,200,000 | $ 2,200,000 | $ 559,000 |
| New London, Connecticut | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,048,000 |
| New Castle, Delaware | 1 | $ 805,000 | $ 805,000 | $ 211,000 |
| Gulf, Florida | 1 | $ 639,000 | $ 639,000 | $ 107,000 |
| Indian River, Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,209,000 |
| Pasco, Florida | 1 | $ 1,120,000 | $ 1,120,000 | $ 451,000 |
| Polk, Florida | 1 | $ 544,000 | $ 544,000 | $ 622,000 |
| Santa Rosa, Florida | 1 | $ 1,512,000 | $ 1,512,000 | $ 1,724,000 |
| Seminole, Florida | 1 | $ 441,000 | $ 441,000 | $ 166,000 |
| St. Lucie, Florida | 1 | $ 207,000 | $ 207,000 | $ 1,118,000 |
| Sumter, Florida | 1 | $ 710,000 | $ 710,000 | $ 871,000 |
| Cherokee, Georgia | 1 | $ 1,017,000 | $ 1,017,000 | $ 524,000 |
| Coweta, Georgia | 1 | $ 608,000 | $ 608,000 | $ 529,000 |
| Forsyth, Georgia | 1 | $ 800,000 | $ 800,000 | $ 228,000 |
| Greene, Georgia | 1 | $ 1,600,000 | $ 1,600,000 | $ 669,000 |
| Lanier, Georgia | 1 | $ 1,400,000 | $ 1,400,000 | $ 620,000 |
| Muscogee, Georgia | 1 | $ 2,425,000 | $ 2,425,000 | $ 2,701,000 |
| Paulding, Georgia | 1 | $ 900,000 | $ 900,000 | $ 360,000 |
| Rabun, Georgia | 1 | $ 1,500,000 | $ 1,500,000 | $ 605,000 |
| Kauai, Hawaii | 1 | $ 520,000 | $ 520,000 | $ 262,000 |
| Bonner, Idaho | 1 | $ 521,000 | $ 521,000 | $ 293,000 |
| Kootenai, Idaho | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,000,000 |
| Tazewell, Illinois | 1 | $ 620,000 | $ 620,000 | $ 438,000 |
| Fayette, Kentucky | 1 | $ 584,000 | $ 584,000 | $ 240,000 |
| East Baton Rouge, Louisiana | 1 | $ 590,000 | $ 590,000 | $ 357,000 |
| Pointe Coupee, Louisiana | 1 | $ 1,000,000 | $ 1,000,000 | $ 352,000 |
| Hancock, Maine | 1 | $ 3,000,000 | $ 3,000,000 | $ 939,000 |
| Oxford, Maine | 1 | $ 755,000 | $ 755,000 | $ 1,442,000 |
| Waldo, Maine | 1 | $ 575,000 | $ 575,000 | $ 2,138,000 |
| Carroll, Maryland | 1 | $ 544,000 | $ 544,000 | $ 409,000 |
| Garrett, Maryland | 1 | $ 314,000 | $ 314,000 | $ 823,000 |
| Talbot, Maryland | 1 | $ 400,000 | $ 400,000 | $ 159,000 |
| Berkshire, Massachusetts | 1 | $ 1,100,000 | $ 1,100,000 | $ 233,000 |
| Allegan, Michigan | 1 | $ 780,000 | $ 780,000 | $ 373,000 |
| Antrim, Michigan | 1 | $ 900,000 | $ 900,000 | $ 481,000 |
| Ingham, Michigan | 1 | $ 489,000 | $ 489,000 | $ 163,000 |
| Lapeer, Michigan | 1 | $ 726,000 | $ 726,000 | $ 1,188,000 |
| Muskegon, Michigan | 1 | $ 752,000 | $ 752,000 | $ 223,000 |
| Oakland, Michigan | 1 | $ 500,000 | $ 500,000 | $ 238,000 |
| Ottawa, Michigan | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 469,000 | $ 469,000 | $ 248,000 |
| Wayne, Michigan | 1 | $ 500,000 | $ 500,000 | $ 1,188,000 |
| Benton, Minnesota | 1 | $ 556,000 | $ 556,000 | $ 296,000 |
| Carver, Minnesota | 1 | $ 3,200,000 | $ 3,200,000 | $ 2,290,000 |
| Dakota, Minnesota | 1 | $ 1,120,000 | $ 1,120,000 | $ 1,397,000 |
| Ramsey, Minnesota | 1 | $ 880,000 | $ 880,000 | $ 472,000 |
| Scott, Minnesota | 1 | $ 500,000 | $ 500,000 | $ 1,769,000 |
| Stearns, Minnesota | 1 | $ 600,000 | $ 600,000 | $ 633,000 |
| Lafayette, Mississippi | 1 | $ 865,000 | $ 865,000 | $ 183,000 |
| Cass, Missouri | 1 | $ 685,000 | $ 685,000 | $ 2,110,000 |
| Greene, Missouri | 1 | $ 540,000 | $ 540,000 | $ 458,000 |
| Jackson, Missouri | 1 | $ 530,000 | $ 530,000 | $ 172,000 |
| Madison, Montana | 1 | $ 3,047,000 | $ 3,047,000 | $ 1,608,000 |
| Camden, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 421,000 |
| Passaic, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 239,000 |
| Albany, New York | 1 | $ 985,000 | $ 985,000 | $ 286,000 |
| Chautauqua, New York | 1 | $ 795,000 | $ 795,000 | $ 1,568,000 |
| Erie, New York | 1 | $ 500,000 | $ 500,000 | $ 252,000 |
| Richmond, New York | 1 | $ 500,000 | $ 500,000 | $ 319,000 |
| Rockland, New York | 1 | $ 736,000 | $ 736,000 | $ 587,000 |
| Saratoga, New York | 1 | $ 579,000 | $ 579,000 | $ 300,000 |
| Warren, New York | 1 | $ 600,000 | $ 600,000 | $ 1,536,000 |
| Avery, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 99,000 |
| Buncombe, North Carolina | 1 | $ 500,000 | $ 500,000 | $ 279,000 |
| Chatham, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 133,000 |
| Currituck, North Carolina | 1 | $ 1,435,000 | $ 1,435,000 | $ 512,000 |
| Dare, North Carolina | 1 | $ 713,000 | $ 713,000 | $ 833,000 |
| Durham, North Carolina | 1 | $ 587,000 | $ 587,000 | $ 505,000 |
| Henderson, North Carolina | 1 | $ 500,000 | $ 500,000 | $ 233,000 |
| Lincoln, North Carolina | 1 | $ 712,000 | $ 712,000 | $ 254,000 |
| Moore, North Carolina | 1 | $ 880,000 | $ 880,000 | $ 245,000 |
| New Hanover, North Carolina | 1 | $ 915,000 | $ 915,000 | $ 704,000 |
| Union, North Carolina | 1 | $ 760,000 | $ 760,000 | $ 617,000 |
| Wake, North Carolina | 1 | $ 600,000 | $ 600,000 | $ 318,000 |
| Butler, Ohio | 1 | $ 582,000 | $ 582,000 | $ 266,000 |
| Lucas, Ohio | 1 | $ 500,000 | $ 500,000 | $ 204,000 |
| Montgomery, Ohio | 1 | $ 776,000 | $ 776,000 | $ 329,000 |
| Union, Ohio | 1 | $ 500,000 | $ 500,000 | $ 143,000 |
| Oklahoma, Oklahoma | 1 | $ 505,000 | $ 505,000 | $ 215,000 |
| Hood River, Oregon | 1 | $ 880,000 | $ 880,000 | $ 1,062,000 |
| Jackson, Oregon | 1 | $ 760,000 | $ 760,000 | $ 170,000 |
| Armstrong, Pennsylvania | 1 | $ 440,000 | $ 440,000 | $ 550,000 |
| Chester, Pennsylvania | 1 | $ 2,000,000 | $ 2,000,000 | $ 2,462,000 |
| Elk, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 168,000 |
| Lackawanna, Pennsylvania | 1 | $ 500,000 | $ 500,000 | $ 120,000 |
| Luzerne, Pennsylvania | 1 | $ 640,000 | $ 640,000 | $ 545,000 |
| Washington, Pennsylvania | 1 | $ 760,000 | $ 760,000 | $ 201,000 |
| York, Pennsylvania | 1 | $ 960,000 | $ 960,000 | $ 280,000 |
| Greenville, South Carolina | 1 | $ 720,000 | $ 720,000 | $ 355,000 |
| Horry, South Carolina | 1 | $ 461,000 | $ 461,000 | $ 957,000 |
| Lexington, South Carolina | 1 | $ 580,000 | $ 580,000 | $ 450,000 |
| Oconee, South Carolina | 1 | $ 1,500,000 | $ 1,500,000 | $ 506,000 |
| Pickens, South Carolina | 1 | $ 650,000 | $ 650,000 | $ 292,000 |
| Spartanburg, South Carolina | 1 | $ 762,000 | $ 762,000 | $ 217,000 |
| Franklin, Tennessee | 1 | $ 638,000 | $ 638,000 | $ 1,330,000 |
| Bell, Texas | 1 | $ 519,000 | $ 519,000 | $ 191,000 |
| El Paso, Texas | 1 | $ 210,000 | $ 210,000 | $ 882,000 |
| Gillespie, Texas | 1 | $ 950,000 | $ 950,000 | $ 225,000 |
| Grimes, Texas | 1 | $ 480,000 | $ 480,000 | $ 755,000 |
| Hidalgo, Texas | 1 | $ 1,045,000 | $ 1,045,000 | $ 846,000 |
| Nueces, Texas | 1 | $ 825,000 | $ 825,000 | $ 551,000 |
| Tarrant, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 438,000 |
| Lamoille, Vermont | 1 | $ 559,000 | $ 559,000 | $ 638,000 |
| Albemarle, Virginia | 1 | $ 1,120,000 | $ 1,120,000 | $ 652,000 |
| Henrico, Virginia | 1 | $ 232,000 | $ 232,000 | $ 73,000 |
| Rappahannock, Virginia | 1 | $ 646,000 | $ 646,000 | $ 371,000 |
| Roanoke City, Virginia | 1 | $ 1,600,000 | $ 1,600,000 | $ 1,599,000 |
| Virginia Beach, Virginia | 1 | $ 1,885,000 | $ 1,885,000 | $ 547,000 |
| Chelan, Washington | 1 | $ 610,000 | $ 610,000 | $ 650,000 |
| Spokane, Washington | 1 | $ 646,000 | $ 646,000 | $ 337,000 |
| Milwaukee, Wisconsin | 1 | $ 582,000 | $ 582,000 | $ 211,000 |
| Sheboygan, Wisconsin | 1 | $ 500,000 | $ 500,000 | $ 828,000 |
| St. Croix, Wisconsin | 1 | $ 842,000 | $ 842,000 | $ 467,000 |
| Walworth, Wisconsin | 1 | $ 1,200,000 | $ 1,200,000 | $ 2,057,000 |
Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2016
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 | 1,258 | $1,465,097,000 | $1,164,000 | $10,000,000 | $638,000 | $8,409,000 |
| Home Purchase | 1,024 | $1,305,359,000 | $1,274,000 | $9,380,000 | $746,000 | $9,999,000 |
| Home Improvement | 177 | $165,713,000 | $936,000 | $4,250,000 | $524,000 | $2,192,000 |
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 | 1,436 | $1,653,731,000 | $1,151,000 | $10,000,000 | $643,000 | $5,985,000 |
| Not Provided | 899 | $1,132,567,000 | $1,259,000 | $10,000,000 | $737,000 | $9,999,000 |
| Asian | 70 | $84,861,000 | $1,212,000 | $5,000,000 | $662,000 | $3,748,000 |
| Black or African American | 25 | $22,895,000 | $915,000 | $2,138,000 | $476,000 | $1,250,000 |
| Hispanic | 21 | $18,667,000 | $888,000 | $2,000,000 | $490,000 | $1,290,000 |
| Not applicable | 7 | $22,608,000 | $3,229,000 | $6,650,000 | $800,000 | $4,510,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $840,000 | $840,000 | $840,000 | $212,000 | $212,000 |
| American Indian or Alaskan Native | 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) | 2,459 | $2,936,169,000 | $1,194,000 | $10,000,000 | $675,000 | $9,999,000 |
| 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 | 1,877 | $2,141,955,000 | $1,141,000 | $10,000,000 | $684,000 | $9,999,000 |
| Application Withdrawn By Applicant | 217 | $269,723,000 | $1,242,000 | $10,000,000 | $705,000 | $6,000,000 |
| Application Denied By Financial Institution | 161 | $229,453,000 | $1,425,000 | $8,500,000 | $468,000 | $3,439,000 |
| Application Approved But Not Accepted | 88 | $126,224,000 | $1,434,000 | $5,000,000 | $979,000 | $8,409,000 |
| Preapproval Approved but not Accepted | 72 | $86,319,000 | $1,198,000 | $3,000,000 | $495,000 | $2,342,000 |
| Preapproval Denied by Financial Institution | 25 | $40,037,000 | $1,601,000 | $3,500,000 | $430,000 | $1,343,000 |
| File Closed For Incompleteness | 19 | $42,458,000 | $2,234,000 | $9,380,000 | $799,000 | $2,400,000 |
| 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 | 123 | $189,397,000 | $1,539,000 | $8,500,000 | $349,000 | $2,341,000 |
| Collateral | 26 | $34,515,000 | $1,327,000 | $3,000,000 | $782,000 | $3,084,000 |
| Credit History | 18 | $16,195,000 | $899,000 | $2,500,000 | $582,000 | $3,439,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $20,262,000 | $1,558,000 | $3,500,000 | $712,000 | $2,281,000 |
| Other | 3 | $5,705,000 | $1,901,000 | $4,300,000 | $489,000 | $792,000 |
| Employment History | 2 | $2,800,000 | $1,400,000 | $2,000,000 | $768,000 | $1,054,000 |
| Unverifiable Information | 1 | $616,000 | $616,000 | $616,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNY Mellon, N.A.'s 2016 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 BNY Mellon, 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.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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