BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, BNY Mellon, N.A. of Boston, MA reported 1,541 mortgage applications totaling $2.5 billion, down 21% from 2021. The average application was for $1,610,425, and applicants reported an average income of $763,778. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (126), Los Angeles-Long Beach-Glendale, CA (61) and West Palm Beach-Boca Raton-Delray Beach, FL (48) (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 | 1,541 |
| Total Mortgage Loan Application Amount | $2,481,665,000 |
| Average Mortgage Loan Application Amount | $1,610,425 |
| Highest Mortgage Loan Application Amount | $48,705,000 |
| Average Applicant Income | $763,778 |
| Highest Applicant Income | $6,970,000 |
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Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York, New York | 71 | $ 116,605,000 | $ 1,642,323 | $ 732,000 |
| Los Angeles, California | 61 | $ 224,275,000 | $ 3,676,639 | $ 788,000 |
| Palm Beach, Florida | 48 | $ 111,600,000 | $ 2,325,000 | $ 1,370,000 |
| Maricopa, Arizona | 39 | $ 63,705,000 | $ 1,633,461 | $ 807,000 |
| Collier, Florida | 33 | $ 84,755,000 | $ 2,568,333 | $ 919,000 |
| Cook, Illinois | 33 | $ 36,165,000 | $ 1,095,909 | $ 536,000 |
| Fairfield, Connecticut | 30 | $ 48,210,000 | $ 1,607,000 | $ 684,000 |
| King, Washington | 30 | $ 43,560,000 | $ 1,452,000 | $ 570,000 |
| Suffolk, Massachusetts | 28 | $ 37,750,000 | $ 1,348,214 | $ 679,000 |
| San Diego, California | 26 | $ 61,040,000 | $ 2,347,692 | $ 888,000 |
| Westchester, New York | 26 | $ 29,590,000 | $ 1,138,076 | $ 702,000 |
| Orange, California | 25 | $ 36,655,000 | $ 1,466,200 | $ 800,000 |
| Middlesex, Massachusetts | 25 | $ 28,965,000 | $ 1,158,600 | $ 705,000 |
| Miami-Dade, Florida | 21 | $ 27,095,000 | $ 1,290,238 | $ 689,000 |
| Suffolk, New York | 21 | $ 37,515,000 | $ 1,786,428 | $ 1,189,000 |
| Travis, Texas | 20 | $ 32,870,000 | $ 1,643,500 | $ 483,000 |
| San Francisco, California | 18 | $ 27,730,000 | $ 1,540,555 | $ 793,000 |
| Kings, New York | 15 | $ 18,875,000 | $ 1,258,333 | $ 598,000 |
| Charleston, South Carolina | 15 | $ 34,965,000 | $ 2,331,000 | $ 1,213,000 |
| Dallas, Texas | 15 | $ 17,485,000 | $ 1,165,666 | $ 502,000 |
| San Mateo, California | 14 | $ 38,960,000 | $ 2,782,857 | $ 756,000 |
| Fulton, Georgia | 14 | $ 27,880,000 | $ 1,991,428 | $ 1,153,000 |
| Harris, Texas | 14 | $ 29,940,000 | $ 2,138,571 | $ 1,291,000 |
| Marin, California | 12 | $ 29,740,000 | $ 2,478,333 | $ 1,233,000 |
| Broward, Florida | 12 | $ 44,030,000 | $ 3,669,166 | $ 1,281,000 |
| Lee, Florida | 12 | $ 14,010,000 | $ 1,167,500 | $ 732,000 |
| Sarasota, Florida | 12 | $ 17,360,000 | $ 1,446,666 | $ 913,000 |
| Barnstable, Massachusetts | 12 | $ 14,620,000 | $ 1,218,333 | $ 567,000 |
| Riverside, California | 11 | $ 18,875,000 | $ 1,715,909 | $ 1,010,000 |
| District of Columbia, District Of Columbia | 11 | $ 9,995,000 | $ 908,636 | $ 673,000 |
| Pinellas, Florida | 11 | $ 10,645,000 | $ 967,727 | $ 1,244,000 |
| Norfolk, Massachusetts | 10 | $ 8,890,000 | $ 889,000 | $ 336,000 |
| Nassau, New York | 10 | $ 11,340,000 | $ 1,134,000 | $ 458,000 |
| Arapahoe, Colorado | 9 | $ 20,165,000 | $ 2,240,555 | $ 752,000 |
| Nantucket, Massachusetts | 9 | $ 16,115,000 | $ 1,790,555 | $ 1,344,000 |
| Mecklenburg, North Carolina | 9 | $ 7,485,000 | $ 831,666 | $ 546,000 |
| Wake, North Carolina | 9 | $ 5,515,000 | $ 612,777 | $ 476,000 |
| Summit, Utah | 9 | $ 15,175,000 | $ 1,686,111 | $ 810,000 |
| Boulder, Colorado | 8 | $ 7,480,000 | $ 935,000 | $ 453,000 |
| Denver, Colorado | 8 | $ 6,640,000 | $ 830,000 | $ 300,000 |
| Alameda, California | 7 | $ 12,335,000 | $ 1,762,142 | $ 1,344,000 |
| Santa Clara, California | 7 | $ 15,415,000 | $ 2,202,142 | $ 1,222,000 |
| Essex, Massachusetts | 7 | $ 8,415,000 | $ 1,202,142 | $ 439,000 |
| Plymouth, Massachusetts | 7 | $ 7,085,000 | $ 1,012,142 | $ 377,000 |
| Clark, Nevada | 7 | $ 31,565,000 | $ 4,509,285 | $ 382,000 |
| Ocean, New Jersey | 7 | $ 8,155,000 | $ 1,165,000 | $ 803,000 |
| Chester, Pennsylvania | 7 | $ 10,475,000 | $ 1,496,428 | $ 605,000 |
| Pitkin, Colorado | 6 | $ 27,000,000 | $ 4,500,000 | $ 1,484,000 |
| Indian River, Florida | 6 | $ 23,580,000 | $ 3,930,000 | $ 612,000 |
| Greene, Georgia | 6 | $ 9,620,000 | $ 1,603,333 | $ 403,000 |
| Montgomery, Maryland | 6 | $ 6,780,000 | $ 1,130,000 | $ 543,000 |
| Dukes, Massachusetts | 6 | $ 9,830,000 | $ 1,638,333 | $ 741,000 |
| Hennepin, Minnesota | 6 | $ 6,200,000 | $ 1,033,333 | $ 382,000 |
| Cape May, New Jersey | 6 | $ 15,230,000 | $ 2,538,333 | $ 2,797,000 |
| Morris, New Jersey | 6 | $ 8,680,000 | $ 1,446,666 | $ 1,314,000 |
| Philadelphia, Pennsylvania | 6 | $ 3,650,000 | $ 608,333 | $ 426,000 |
| Davidson, Tennessee | 6 | $ 4,540,000 | $ 756,666 | $ 2,130,000 |
| Contra Costa, California | 5 | $ 7,405,000 | $ 1,481,000 | $ 532,000 |
| Douglas, Colorado | 5 | $ 7,515,000 | $ 1,503,000 | $ 264,000 |
| Bergen, New Jersey | 5 | $ 4,995,000 | $ 999,000 | $ 634,000 |
| Montgomery, Pennsylvania | 5 | $ 3,055,000 | $ 611,000 | $ 285,000 |
| Wasatch, Utah | 5 | $ 9,625,000 | $ 1,925,000 | $ 1,335,000 |
| Fairfax, Virginia | 5 | $ 18,725,000 | $ 3,745,000 | $ 1,152,000 |
| Teton, Wyoming | 5 | $ 13,975,000 | $ 2,795,000 | $ 2,779,000 |
| Fresno, California | 4 | $ 4,880,000 | $ 1,220,000 | $ 1,108,000 |
| Napa, California | 4 | $ 5,870,000 | $ 1,467,500 | $ 684,000 |
| San Luis Obispo, California | 4 | $ 4,100,000 | $ 1,025,000 | $ 678,000 |
| Santa Barbara, California | 4 | $ 6,650,000 | $ 1,662,500 | $ 618,000 |
| Sonoma, California | 4 | $ 5,190,000 | $ 1,297,500 | $ 550,000 |
| Ventura, California | 4 | $ 5,430,000 | $ 1,357,500 | $ 559,000 |
| San Miguel, Colorado | 4 | $ 11,760,000 | $ 2,940,000 | $ 1,124,000 |
| Brevard, Florida | 4 | $ 3,130,000 | $ 782,500 | $ 853,000 |
| Hillsborough, Florida | 4 | $ 5,000,000 | $ 1,250,000 | $ 539,000 |
| Walton, Florida | 4 | $ 7,070,000 | $ 1,767,500 | $ 1,062,000 |
| Chatham, Georgia | 4 | $ 2,840,000 | $ 710,000 | $ 477,000 |
| Glynn, Georgia | 4 | $ 6,990,000 | $ 1,747,500 | $ 1,006,000 |
| Honolulu, Hawaii | 4 | $ 7,520,000 | $ 1,880,000 | $ 645,000 |
| Orleans, Louisiana | 4 | $ 4,490,000 | $ 1,122,500 | $ 453,000 |
| Knox, Maine | 4 | $ 4,130,000 | $ 1,032,500 | $ 270,000 |
| Berkshire, Massachusetts | 4 | $ 2,790,000 | $ 697,500 | $ 491,000 |
| Belknap, New Hampshire | 4 | $ 10,170,000 | $ 2,542,500 | $ 1,008,000 |
| Essex, New Jersey | 4 | $ 3,320,000 | $ 830,000 | $ 302,000 |
| Hudson, New Jersey | 4 | $ 5,010,000 | $ 1,252,500 | $ 530,000 |
| Monmouth, New Jersey | 4 | $ 4,510,000 | $ 1,127,500 | $ 648,000 |
| Queens, New York | 4 | $ 3,340,000 | $ 835,000 | $ 614,000 |
| New Hanover, North Carolina | 4 | $ 5,270,000 | $ 1,317,500 | $ 613,000 |
| Washington, Oregon | 4 | $ 3,520,000 | $ 880,000 | $ 371,000 |
| Allegheny, Pennsylvania | 4 | $ 3,940,000 | $ 985,000 | $ 421,000 |
| Washington, Rhode Island | 4 | $ 6,510,000 | $ 1,627,500 | $ 1,216,000 |
| Beaufort, South Carolina | 4 | $ 5,730,000 | $ 1,432,500 | $ 854,000 |
| Comal, Texas | 4 | $ 9,230,000 | $ 2,307,500 | $ 1,063,000 |
| Salt Lake, Utah | 4 | $ 3,370,000 | $ 842,500 | $ 465,000 |
| Windham, Vermont | 4 | $ 4,240,000 | $ 1,060,000 | $ 1,289,000 |
| Snohomish, Washington | 4 | $ 3,250,000 | $ 812,500 | $ 478,000 |
| Walworth, Wisconsin | 4 | $ 17,980,000 | $ 4,495,000 | $ 1,166,000 |
| Monterey, California | 3 | $ 3,275,000 | $ 1,091,666 | $ 972,000 |
| Eagle, Colorado | 3 | $ 13,905,000 | $ 4,635,000 | $ 2,090,000 |
| New Castle, Delaware | 3 | $ 2,415,000 | $ 805,000 | $ 361,000 |
| Sussex, Delaware | 3 | $ 2,225,000 | $ 741,666 | $ 336,000 |
| Manatee, Florida | 3 | $ 2,715,000 | $ 905,000 | $ 307,000 |
| Martin, Florida | 3 | $ 5,405,000 | $ 1,801,666 | $ 862,000 |
| Seminole, Florida | 3 | $ 6,375,000 | $ 2,125,000 | $ 1,868,000 |
| DeKalb, Georgia | 3 | $ 2,775,000 | $ 925,000 | $ 539,000 |
| Gwinnett, Georgia | 3 | $ 4,305,000 | $ 1,435,000 | $ 1,701,000 |
| Blaine, Idaho | 3 | $ 4,225,000 | $ 1,408,333 | $ 691,000 |
| DuPage, Illinois | 3 | $ 2,705,000 | $ 901,666 | $ 463,000 |
| Johnson, Kansas | 3 | $ 3,215,000 | $ 1,071,666 | $ 421,000 |
| Baltimore, Maryland | 3 | $ 4,225,000 | $ 1,408,333 | $ 2,128,000 |
| Jackson, Missouri | 3 | $ 4,095,000 | $ 1,365,000 | $ 475,000 |
| St. Louis, Missouri | 3 | $ 6,035,000 | $ 2,011,666 | $ 1,908,000 |
| Gallatin, Montana | 3 | $ 10,985,000 | $ 3,661,666 | $ 962,000 |
| Washoe, Nevada | 3 | $ 10,635,000 | $ 3,545,000 | $ 1,951,000 |
| Mercer, New Jersey | 3 | $ 2,665,000 | $ 888,333 | $ 476,000 |
| Somerset, New Jersey | 3 | $ 2,585,000 | $ 861,666 | $ 515,000 |
| Santa Fe, New Mexico | 3 | $ 3,035,000 | $ 1,011,666 | $ 320,000 |
| Ulster, New York | 3 | $ 2,105,000 | $ 701,666 | $ 362,000 |
| Macon, North Carolina | 3 | $ 3,815,000 | $ 1,271,666 | $ 705,000 |
| Orange, North Carolina | 3 | $ 4,965,000 | $ 1,655,000 | $ 781,000 |
| Cuyahoga, Ohio | 3 | $ 1,645,000 | $ 548,333 | $ 581,000 |
| Hamilton, Ohio | 3 | $ 1,935,000 | $ 645,000 | $ 356,000 |
| Deschutes, Oregon | 3 | $ 4,065,000 | $ 1,355,000 | $ 366,000 |
| Bucks, Pennsylvania | 3 | $ 1,855,000 | $ 618,333 | $ 519,000 |
| Delaware, Pennsylvania | 3 | $ 2,835,000 | $ 945,000 | $ 433,000 |
| Newport, Rhode Island | 3 | $ 3,275,000 | $ 1,091,666 | $ 601,000 |
| Greenville, South Carolina | 3 | $ 1,765,000 | $ 588,333 | $ 178,000 |
| Oconee, South Carolina | 3 | $ 3,765,000 | $ 1,255,000 | $ 441,000 |
| Pickens, South Carolina | 3 | $ 3,805,000 | $ 1,268,333 | $ 845,000 |
| Williamson, Tennessee | 3 | $ 4,005,000 | $ 1,335,000 | $ 237,000 |
| Bexar, Texas | 3 | $ 2,015,000 | $ 671,666 | $ 253,000 |
| Denton, Texas | 3 | $ 2,335,000 | $ 778,333 | $ 713,000 |
| Montgomery, Texas | 3 | $ 1,915,000 | $ 638,333 | $ 368,000 |
| Nueces, Texas | 3 | $ 2,355,000 | $ 785,000 | $ 624,000 |
| Windsor, Vermont | 3 | $ 1,615,000 | $ 538,333 | $ 244,000 |
| Jefferson, Alabama | 2 | $ 1,110,000 | $ 555,000 | $ 503,000 |
| Coconino, Arizona | 2 | $ 2,190,000 | $ 1,095,000 | $ 1,413,000 |
| Pima, Arizona | 2 | $ 1,060,000 | $ 530,000 | $ 911,000 |
| San Bernardino, California | 2 | $ 1,060,000 | $ 530,000 | $ 684,000 |
| Routt, Colorado | 2 | $ 970,000 | $ 485,000 | $ 151,000 |
| Weld, Colorado | 2 | $ 1,760,000 | $ 880,000 | $ 323,000 |
| Hartford, Connecticut | 2 | $ 1,490,000 | $ 745,000 | $ 409,000 |
| New Haven, Connecticut | 2 | $ 3,190,000 | $ 1,595,000 | $ 6,036,000 |
| Duval, Florida | 2 | $ 1,100,000 | $ 550,000 | $ 264,000 |
| Gulf, Florida | 2 | $ 1,570,000 | $ 785,000 | $ 509,000 |
| Monroe, Florida | 2 | $ 1,260,000 | $ 630,000 | $ 351,000 |
| St. Johns, Florida | 2 | $ 2,260,000 | $ 1,130,000 | $ 460,000 |
| Sumter, Florida | 2 | $ 910,000 | $ 455,000 | $ 287,000 |
| Cobb, Georgia | 2 | $ 1,340,000 | $ 670,000 | $ 271,000 |
| Jones, Georgia | 2 | $ 3,930,000 | $ 1,965,000 | $ 340,000 |
| Hawaii, Hawaii | 2 | $ 2,340,000 | $ 1,170,000 | $ 924,000 |
| Maui, Hawaii | 2 | $ 6,360,000 | $ 3,180,000 | $ 733,000 |
| Ada, Idaho | 2 | $ 2,160,000 | $ 1,080,000 | $ 361,000 |
| Elmore, Idaho | 2 | $ 6,470,000 | $ 3,235,000 | $ 2,208,000 |
| Kootenai, Idaho | 2 | $ 8,610,000 | $ 4,305,000 | $ 1,174,000 |
| Somerset, Maine | 2 | $ 2,010,000 | $ 1,005,000 | $ 242,000 |
| York, Maine | 2 | $ 950,000 | $ 475,000 | $ 369,000 |
| Anne Arundel, Maryland | 2 | $ 3,250,000 | $ 1,625,000 | $ 744,000 |
| Hampshire, Massachusetts | 2 | $ 810,000 | $ 405,000 | $ 99,000 |
| Worcester, Massachusetts | 2 | $ 1,230,000 | $ 615,000 | $ 325,000 |
| Oakland, Michigan | 2 | $ 1,050,000 | $ 525,000 | $ 406,000 |
| Flathead, Montana | 2 | $ 6,940,000 | $ 3,470,000 | $ 920,000 |
| Yellowstone, Montana | 2 | $ 2,220,000 | $ 1,110,000 | $ 870,000 |
| Carroll, New Hampshire | 2 | $ 1,260,000 | $ 630,000 | $ 735,000 |
| Atlantic, New Jersey | 2 | $ 2,130,000 | $ 1,065,000 | $ 458,000 |
| Union, New Jersey | 2 | $ 1,630,000 | $ 815,000 | $ 577,000 |
| Bernalillo, New Mexico | 2 | $ 2,540,000 | $ 1,270,000 | $ 406,000 |
| Columbia, New York | 2 | $ 1,270,000 | $ 635,000 | $ 247,000 |
| Dutchess, New York | 2 | $ 790,000 | $ 395,000 | $ 295,000 |
| Saratoga, New York | 2 | $ 2,110,000 | $ 1,055,000 | $ 524,000 |
| Avery, North Carolina | 2 | $ 2,010,000 | $ 1,005,000 | $ 435,000 |
| Brunswick, North Carolina | 2 | $ 2,130,000 | $ 1,065,000 | $ 654,000 |
| Buncombe, North Carolina | 2 | $ 1,550,000 | $ 775,000 | $ 314,000 |
| Dare, North Carolina | 2 | $ 1,460,000 | $ 730,000 | $ 965,000 |
| Guilford, North Carolina | 2 | $ 1,440,000 | $ 720,000 | $ 302,000 |
| Henderson, North Carolina | 2 | $ 1,790,000 | $ 895,000 | $ 1,016,000 |
| Jackson, North Carolina | 2 | $ 8,450,000 | $ 4,225,000 | $ 4,025,000 |
| Clackamas, Oregon | 2 | $ 1,690,000 | $ 845,000 | $ 349,000 |
| Multnomah, Oregon | 2 | $ 2,330,000 | $ 1,165,000 | $ 524,000 |
| Butler, Pennsylvania | 2 | $ 1,210,000 | $ 605,000 | $ 307,000 |
| Lancaster, Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 169,000 |
| Kent, Rhode Island | 2 | $ 1,370,000 | $ 685,000 | $ 184,000 |
| Berkeley, South Carolina | 2 | $ 3,200,000 | $ 1,600,000 | $ 510,000 |
| Knox, Tennessee | 2 | $ 1,760,000 | $ 880,000 | $ 575,000 |
| Fort Bend, Texas | 2 | $ 1,790,000 | $ 895,000 | $ 401,000 |
| Kendall, Texas | 2 | $ 890,000 | $ 445,000 | $ 289,000 |
| Rockwall, Texas | 2 | $ 1,220,000 | $ 610,000 | $ 300,000 |
| Bennington, Vermont | 2 | $ 2,420,000 | $ 1,210,000 | $ 331,000 |
| Washington, Vermont | 2 | $ 1,210,000 | $ 605,000 | $ 396,000 |
| Charlottesville, Virginia | 2 | $ 1,360,000 | $ 680,000 | $ 336,000 |
| Richmond City, Virginia | 2 | $ 1,630,000 | $ 815,000 | $ 826,000 |
| Virginia Beach, Virginia | 2 | $ 2,910,000 | $ 1,455,000 | $ 1,028,000 |
| Kitsap, Washington | 2 | $ 2,160,000 | $ 1,080,000 | $ 819,000 |
| Pierce, Washington | 2 | $ 1,860,000 | $ 930,000 | $ 585,000 |
| San Juan, Washington | 2 | $ 2,110,000 | $ 1,055,000 | $ 809,000 |
| Waukesha, Wisconsin | 2 | $ 2,310,000 | $ 1,155,000 | $ 335,000 |
| Elmore, Alabama | 1 | $ 1,605,000 | $ 1,605,000 | $ 891,000 |
| Lee, Alabama | 1 | $ 475,000 | $ 475,000 | $ 317,000 |
| El Dorado, California | 1 | $ 805,000 | $ 805,000 | $ 410,000 |
| Mendocino, California | 1 | $ 1,305,000 | $ 1,305,000 | $ 676,000 |
| Mono, California | 1 | $ 975,000 | $ 975,000 | $ 313,000 |
| Nevada, California | 1 | $ 605,000 | $ 605,000 | $ 393,000 |
| Placer, California | 1 | $ 755,000 | $ 755,000 | $ 357,000 |
| Sacramento, California | 1 | $ 465,000 | $ 465,000 | $ 185,000 |
| Tuolumne, California | 1 | $ 1,115,000 | $ 1,115,000 | $ 707,000 |
| Yolo, California | 1 | $ 745,000 | $ 745,000 | $ 409,000 |
| Fremont, Colorado | 1 | $ 1,315,000 | $ 1,315,000 | $ 1,140,000 |
| Grand, Colorado | 1 | $ 505,000 | $ 505,000 | $ 308,000 |
| Gunnison, Colorado | 1 | $ 805,000 | $ 805,000 | $ 465,000 |
| Larimer, Colorado | 1 | $ 475,000 | $ 475,000 | $ 82,000 |
| Ouray, Colorado | 1 | $ 555,000 | $ 555,000 | $ 166,000 |
| Summit, Colorado | 1 | $ 755,000 | $ 755,000 | $ 711,000 |
| Litchfield, Connecticut | 1 | $ 1,505,000 | $ 1,505,000 | $ 777,000 |
| Middlesex, Connecticut | 1 | $ 955,000 | $ 955,000 | $ 710,000 |
| Bay, Florida | 1 | $ 365,000 | $ 365,000 | $ 196,000 |
| Charlotte, Florida | 1 | $ 625,000 | $ 625,000 | $ 171,000 |
| Escambia, Florida | 1 | $ 605,000 | $ 605,000 | $ 193,000 |
| Flagler, Florida | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Leon, Florida | 1 | $ 605,000 | $ 605,000 | $ 212,000 |
| Marion, Florida | 1 | $ 1,405,000 | $ 1,405,000 | $ 632,000 |
| Nassau, Florida | 1 | $ 595,000 | $ 595,000 | $ 224,000 |
| Orange, Florida | 1 | $ 575,000 | $ 575,000 | $ 151,000 |
| Pasco, Florida | 1 | $ 505,000 | $ 505,000 | $ 260,000 |
| Polk, Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 444,000 |
| Baldwin, Georgia | 1 | $ 745,000 | $ 745,000 | $ 285,000 |
| Bibb, Georgia | 1 | $ 705,000 | $ 705,000 | $ 339,000 |
| Fannin, Georgia | 1 | $ 575,000 | $ 575,000 | $ 1,873,000 |
| Gilmer, Georgia | 1 | $ 715,000 | $ 715,000 | $ 269,000 |
| Hall, Georgia | 1 | $ 3,655,000 | $ 3,655,000 | $ 1,164,000 |
| Oconee, Georgia | 1 | $ 765,000 | $ 765,000 | $ 173,000 |
| Union, Georgia | 1 | $ 725,000 | $ 725,000 | $ 268,000 |
| Teton, Idaho | 1 | $ 605,000 | $ 605,000 | $ 361,000 |
| Lake, Illinois | 1 | $ 805,000 | $ 805,000 | $ 743,000 |
| Will, Illinois | 1 | $ 1,085,000 | $ 1,085,000 | $ 443,000 |
| Hamilton, Indiana | 1 | $ 505,000 | $ 505,000 | $ 484,000 |
| Porter, Indiana | 1 | $ 1,685,000 | $ 1,685,000 | $ 392,000 |
| St. Joseph, Indiana | 1 | $ 755,000 | $ 755,000 | $ 295,000 |
| Whitley, Indiana | 1 | $ 2,005,000 | $ 2,005,000 | $ 674,000 |
| Dickinson, Iowa | 1 | $ 1,765,000 | $ 1,765,000 | $ 736,000 |
| Ottawa, Kansas | 1 | $ 1,205,000 | $ 1,205,000 | $ 512,000 |
| Sedgwick, Kansas | 1 | $ 965,000 | $ 965,000 | $ 385,000 |
| Fayette, Kentucky | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| McCracken, Kentucky | 1 | $ 1,405,000 | $ 1,405,000 | $ 808,000 |
| East Baton Rouge, Louisiana | 1 | $ 605,000 | $ 605,000 | $ 236,000 |
| Lafayette, Louisiana | 1 | $ 825,000 | $ 825,000 | $ 250,000 |
| Plaquemines, Louisiana | 1 | $ 285,000 | $ 285,000 | $ 528,000 |
| Cumberland, Maine | 1 | $ 555,000 | $ 555,000 | $ 151,000 |
| Franklin, Maine | 1 | $ 1,505,000 | $ 1,505,000 | $ 545,000 |
| Hancock, Maine | 1 | $ 845,000 | $ 845,000 | $ 1,047,000 |
| Lincoln, Maine | 1 | $ 1,805,000 | $ 1,805,000 | $ 456,000 |
| Oxford, Maine | 1 | $ 645,000 | $ 645,000 | $ 302,000 |
| Garrett, Maryland | 1 | $ 585,000 | $ 585,000 | $ 390,000 |
| Talbot, Maryland | 1 | $ 1,905,000 | $ 1,905,000 | $ 673,000 |
| Worcester, Maryland | 1 | $ 1,125,000 | $ 1,125,000 | $ 784,000 |
| Bristol, Massachusetts | 1 | $ 665,000 | $ 665,000 | $ 609,000 |
| Berrien, Michigan | 1 | $ 605,000 | $ 605,000 | $ 826,000 |
| Charlevoix, Michigan | 1 | $ 865,000 | $ 865,000 | $ 654,000 |
| Emmet, Michigan | 1 | $ 505,000 | $ 505,000 | $ 130,000 |
| Kent, Michigan | 1 | $ 505,000 | $ 505,000 | $ 297,000 |
| Leelanau, Michigan | 1 | $ 625,000 | $ 625,000 | $ 963,000 |
| Mason, Michigan | 1 | $ 375,000 | $ 375,000 | $ 430,000 |
| Ottawa, Michigan | 1 | $ 855,000 | $ 855,000 | $ 1,453,000 |
| Van Buren, Michigan | 1 | $ 1,455,000 | $ 1,455,000 | $ 1,340,000 |
| Washtenaw, Michigan | 1 | $ 505,000 | $ 505,000 | $ 213,000 |
| Benton, Minnesota | 1 | $ 965,000 | $ 965,000 | $ 399,000 |
| Carver, Minnesota | 1 | $ 1,365,000 | $ 1,365,000 | $ 760,000 |
| Crow Wing, Minnesota | 1 | $ 1,005,000 | $ 1,005,000 | $ 338,000 |
| Le Sueur, Minnesota | 1 | $ 615,000 | $ 615,000 | $ 198,000 |
| Ramsey, Minnesota | 1 | $ 1,505,000 | $ 1,505,000 | $ 361,000 |
| Scott, Minnesota | 1 | $ 1,655,000 | $ 1,655,000 | $ 362,000 |
| Harrison, Mississippi | 1 | $ 1,005,000 | $ 1,005,000 | $ 770,000 |
| Boone, Missouri | 1 | $ 755,000 | $ 755,000 | $ 339,000 |
| Greene, Missouri | 1 | $ 675,000 | $ 675,000 | $ 184,000 |
| Lake, Montana | 1 | $ 755,000 | $ 755,000 | $ 245,000 |
| Madison, Montana | 1 | $ 3,005,000 | $ 3,005,000 | $ 4,464,000 |
| Silver Bow, Montana | 1 | $ 585,000 | $ 585,000 | $ 377,000 |
| Douglas, Nebraska | 1 | $ 1,205,000 | $ 1,205,000 | $ 414,000 |
| Grafton, New Hampshire | 1 | $ 445,000 | $ 445,000 | $ 149,000 |
| Hillsborough, New Hampshire | 1 | $ 605,000 | $ 605,000 | $ 216,000 |
| Sullivan, New Hampshire | 1 | $ 1,705,000 | $ 1,705,000 | $ 605,000 |
| Bronx, New York | 1 | $ 1,625,000 | $ 1,625,000 | $ 451,000 |
| Erie, New York | 1 | $ 485,000 | $ 485,000 | $ 726,000 |
| Essex, New York | 1 | $ 555,000 | $ 555,000 | $ 408,000 |
| Jefferson, New York | 1 | $ 755,000 | $ 755,000 | $ 415,000 |
| Monroe, New York | 1 | $ 1,485,000 | $ 1,485,000 | $ 418,000 |
| Sullivan, New York | 1 | $ 305,000 | $ 305,000 | $ 332,000 |
| Carteret, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 349,000 |
| Durham, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Forsyth, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 94,000 |
| Iredell, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Lincoln, North Carolina | 1 | $ 2,105,000 | $ 2,105,000 | $ 965,000 |
| Randolph, North Carolina | 1 | $ 975,000 | $ 975,000 | $ 538,000 |
| Transylvania, North Carolina | 1 | $ 755,000 | $ 755,000 | $ 360,000 |
| Watauga, North Carolina | 1 | $ 1,205,000 | $ 1,205,000 | $ 269,000 |
| Franklin, Ohio | 1 | $ 445,000 | $ 445,000 | $ 370,000 |
| Trumbull, Ohio | 1 | $ 565,000 | $ 565,000 | $ 197,000 |
| Warren, Ohio | 1 | $ 685,000 | $ 685,000 | $ 170,000 |
| Cleveland, Oklahoma | 1 | $ 505,000 | $ 505,000 | $ 478,000 |
| Creek, Oklahoma | 1 | $ 905,000 | $ 905,000 | $ 370,000 |
| Oklahoma, Oklahoma | 1 | $ 675,000 | $ 675,000 | $ 75,000 |
| Benton, Oregon | 1 | $ 465,000 | $ 465,000 | $ 508,000 |
| Lane, Oregon | 1 | $ 505,000 | $ 505,000 | $ 96,000 |
| Tillamook, Oregon | 1 | $ 925,000 | $ 925,000 | $ 506,000 |
| Berks, Pennsylvania | 1 | $ 1,025,000 | $ 1,025,000 | $ 1,051,000 |
| Blair, Pennsylvania | 1 | $ 825,000 | $ 825,000 | $ 1,228,000 |
| Centre, Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 250,000 |
| Lackawanna, Pennsylvania | 1 | $ 525,000 | $ 525,000 | $ 217,000 |
| Lycoming, Pennsylvania | 1 | $ 1,535,000 | $ 1,535,000 | $ 380,000 |
| Monroe, Pennsylvania | 1 | $ 1,205,000 | $ 1,205,000 | $ 300,000 |
| Bristol, Rhode Island | 1 | $ 1,255,000 | $ 1,255,000 | $ 361,000 |
| Providence, Rhode Island | 1 | $ 1,005,000 | $ 1,005,000 | $ 503,000 |
| Horry, South Carolina | 1 | $ 1,315,000 | $ 1,315,000 | $ 723,000 |
| Blount, Tennessee | 1 | $ 1,505,000 | $ 1,505,000 | $ 852,000 |
| Hamilton, Tennessee | 1 | $ 705,000 | $ 705,000 | $ 493,000 |
| Marshall, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 480,000 |
| Maury, Tennessee | 1 | $ 605,000 | $ 605,000 | $ 223,000 |
| Brazos, Texas | 1 | $ 645,000 | $ 645,000 | $ 362,000 |
| Burnet, Texas | 1 | $ 755,000 | $ 755,000 | $ 879,000 |
| Collin, Texas | 1 | $ 855,000 | $ 855,000 | $ 869,000 |
| El Paso, Texas | 1 | $ 735,000 | $ 735,000 | $ 315,000 |
| Ellis, Texas | 1 | $ 1,905,000 | $ 1,905,000 | $ 415,000 |
| Fayette, Texas | 1 | $ 505,000 | $ 505,000 | $ 475,000 |
| Guadalupe, Texas | 1 | $ 825,000 | $ 825,000 | $ 827,000 |
| Hood, Texas | 1 | $ 855,000 | $ 855,000 | $ 713,000 |
| Randall, Texas | 1 | $ 485,000 | $ 485,000 | $ 1,049,000 |
| San Patricio, Texas | 1 | $ 2,255,000 | $ 2,255,000 | $ 640,000 |
| Tarrant, Texas | 1 | $ 675,000 | $ 675,000 | $ 373,000 |
| Williamson, Texas | 1 | $ 695,000 | $ 695,000 | $ 344,000 |
| Davis, Utah | 1 | $ 805,000 | $ 805,000 | $ 2,099,000 |
| Washington, Utah | 1 | $ 2,025,000 | $ 2,025,000 | $ 433,000 |
| Chittenden, Vermont | 1 | $ 2,535,000 | $ 2,535,000 | $ 855,000 |
| Albemarle, Virginia | 1 | $ 1,015,000 | $ 1,015,000 | $ 284,000 |
| Alexandria, Virginia | 1 | $ 1,105,000 | $ 1,105,000 | $ 382,000 |
| Arlington, Virginia | 1 | $ 505,000 | $ 505,000 | $ 447,000 |
| Fauquier, Virginia | 1 | $ 2,705,000 | $ 2,705,000 | $ 998,000 |
| Lancaster, Virginia | 1 | $ 705,000 | $ 705,000 | $ 272,000 |
| Loudoun, Virginia | 1 | $ 655,000 | $ 655,000 | $ 233,000 |
| Mecklenburg, Virginia | 1 | $ 1,115,000 | $ 1,115,000 | $ 652,000 |
| Nelson, Virginia | 1 | $ 705,000 | $ 705,000 | $ 714,000 |
| Orange, Virginia | 1 | $ 1,505,000 | $ 1,505,000 | $ 582,000 |
| Grays Harbor, Washington | 1 | $ 695,000 | $ 695,000 | $ 340,000 |
| Whatcom, Washington | 1 | $ 755,000 | $ 755,000 | $ 477,000 |
| Brown, Wisconsin | 1 | $ 565,000 | $ 565,000 | $ 402,000 |
| Door, Wisconsin | 1 | $ 725,000 | $ 725,000 | $ 455,000 |
| Green Lake, Wisconsin | 1 | $ 1,595,000 | $ 1,595,000 | $ 1,415,000 |
| Oneida, Wisconsin | 1 | $ 3,575,000 | $ 3,575,000 | $ 1,940,000 |
| Vilas, Wisconsin | 1 | $ 1,005,000 | $ 1,005,000 | $ 306,000 |
| Big Horn, Wyoming | 1 | $ 915,000 | $ 915,000 | $ 376,000 |
Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2022
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 | 638 | $1,058,590,000 | $1,659,000 | $48,705,000 | $728,000 | $6,420,000 |
| Other Purpose | 486 | $764,510,000 | $1,573,000 | $37,565,000 | $813,000 | $6,970,000 |
| Refinancing | 381 | $567,515,000 | $1,489,000 | $39,905,000 | $764,000 | $6,249,000 |
| Home Improvement | 36 | $91,050,000 | $2,529,000 | $18,205,000 | $731,000 | $1,726,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 1,037 | $1,500,065,000 | $1,446,000 | $20,005,000 | $738,000 | $6,970,000 |
| Not Provided | 389 | $696,925,000 | $1,791,000 | $39,905,000 | $812,000 | $6,243,000 |
| Asian | 49 | $78,395,000 | $1,599,000 | $5,505,000 | $901,000 | $4,726,000 |
| Not applicable | 35 | $158,515,000 | $4,529,000 | $48,705,000 | $0 | $0 |
| Hispanic | 19 | $24,165,000 | $1,271,000 | $3,185,000 | $726,000 | $2,071,000 |
| Black or African American | 9 | $9,515,000 | $1,057,000 | $2,005,000 | $423,000 | $616,000 |
| American Indian or Alaskan Native | 2 | $11,880,000 | $5,940,000 | $11,005,000 | $2,819,000 | $5,444,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $2,205,000 | $2,205,000 | $2,205,000 | $1,226,000 | $1,226,000 |
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) | 1,541 | $2,481,665,000 | $1,610,000 | $48,705,000 | $763,000 | $6,970,000 |
| 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 | 1,206 | $1,850,890,000 | $1,534,000 | $48,705,000 | $780,000 | $6,970,000 |
| Application Denied By Financial Institution | 92 | $159,050,000 | $1,728,000 | $7,005,000 | $570,000 | $5,202,000 |
| Application Withdrawn By Applicant | 85 | $132,145,000 | $1,554,000 | $13,505,000 | $906,000 | $6,420,000 |
| Preapproval Approved but not Accepted | 55 | $80,495,000 | $1,463,000 | $5,505,000 | $582,000 | $4,472,000 |
| Application Approved But Not Accepted | 49 | $96,585,000 | $1,971,000 | $21,005,000 | $717,000 | $2,198,000 |
| File Closed For Incompleteness | 34 | $112,090,000 | $3,296,000 | $20,005,000 | $733,000 | $4,292,000 |
| Preapproval Denied by Financial Institution | 20 | $50,410,000 | $2,520,000 | $15,005,000 | $728,000 | $5,478,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,429 | $2,272,205,000 | $1,590,000 | $48,705,000 | $776,000 | $6,970,000 |
| Debt-To-Income Ratio | 72 | $124,260,000 | $1,725,000 | $7,005,000 | $436,000 | $2,122,000 |
| Collateral | 18 | $40,740,000 | $2,263,000 | $5,045,000 | $1,031,000 | $5,202,000 |
| Credit History | 8 | $10,750,000 | $1,343,000 | $2,455,000 | $696,000 | $2,431,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $26,775,000 | $3,825,000 | $15,005,000 | $1,085,000 | $5,478,000 |
| Other | 6 | $6,150,000 | $1,025,000 | $2,105,000 | $544,000 | $897,000 |
| Unverifiable Information | 1 | $785,000 | $785,000 | $785,000 | $541,000 | $541,000 |
| Mortgage Insurance Denied | 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 BNY Mellon, N.A.'s 2022 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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