Bsb Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Bsb Bank & Trust Company 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 | Bsb Bank & Trust Company 58-68 Exchange Street Binghamton, NY 13901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 3,329 |
| Total Mortgage Loan Application Amount | $294,418,000 |
| Average Mortgage Loan Application Amount | $177,125 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $76,875 |
| Highest Applicant Income | $1,379,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Bsb Bank & Trust Company. 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 Bsb Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Bsb Bank & Trust Company'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 Bsb Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Bsb Bank & Trust Company, 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 Bsb Bank & Trust Company'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 |
|---|---|---|---|---|
| Onondaga County New York | 929 | $ 81,796,000 | $ 88,000 | $ 69,000 |
| Broome County New York | 825 | $ 52,321,000 | $ 63,000 | $ 52,000 |
| Albany County New York | 318 | $ 37,104,000 | $ 116,000 | $ 80,000 |
| Saratoga County New York | 175 | $ 21,273,000 | $ 121,000 | $ 84,000 |
| Rensselaer County New York | 126 | $ 14,249,000 | $ 113,000 | $ 83,000 |
| Schenectady County New York | 112 | $ 11,958,000 | $ 106,000 | $ 86,000 |
| Tioga County New York | 97 | $ 5,799,000 | $ 59,000 | $ 56,000 |
| Monroe County New York | 94 | $ 12,346,000 | $ 131,000 | $ 143,000 |
| Dutchess County New York | 93 | $ 11,277,000 | $ 121,000 | $ 85,000 |
| Chenango County New York | 89 | $ 5,080,000 | $ 57,000 | $ 57,000 |
| Oswego County New York | 77 | $ 5,716,000 | $ 74,000 | $ 66,000 |
| Madison County New York | 57 | $ 5,109,000 | $ 89,000 | $ 72,000 |
| Cayuga County New York | 52 | $ 4,417,000 | $ 84,000 | $ 66,000 |
| Susquehanna County Pennsylvania | 43 | $ 3,014,000 | $ 70,000 | $ 61,000 |
| Columbia County New York | 39 | $ 4,189,000 | $ 107,000 | $ 90,000 |
| Oneida County New York | 30 | $ 2,579,000 | $ 85,000 | $ 52,000 |
| Cortland County New York | 15 | $ 1,245,000 | $ 83,000 | $ 94,000 |
| Greene County New York | 14 | $ 1,315,000 | $ 93,000 | $ 102,000 |
| Ontario County New York | 12 | $ 1,646,000 | $ 137,000 | $ 115,000 |
| Warren County New York | 12 | $ 1,541,000 | $ 128,000 | $ 84,000 |
| Chemung County New York | 9 | $ 461,000 | $ 51,000 | $ 61,000 |
| Tompkins County New York | 9 | $ 1,190,000 | $ 132,000 | $ 82,000 |
| Otsego County New York | 8 | $ 459,000 | $ 57,000 | $ 63,000 |
| Delaware County New York | 7 | $ 456,000 | $ 65,000 | $ 50,000 |
| Livingston County New York | 7 | $ 541,000 | $ 77,000 | $ 60,000 |
| Bradford County Pennsylvania | 7 | $ 364,000 | $ 52,000 | $ 54,000 |
| Fulton County New York | 6 | $ 557,000 | $ 92,000 | $ 232,000 |
| Montgomery County New York | 6 | $ 584,000 | $ 97,000 | $ 74,000 |
| Schoharie County New York | 6 | $ 508,000 | $ 84,000 | $ 61,000 |
| Wayne County New York | 6 | $ 530,000 | $ 88,000 | $ 87,000 |
| Jefferson County New York | 5 | $ 651,000 | $ 130,000 | $ 153,000 |
| Ulster County New York | 4 | $ 425,000 | $ 106,000 | $ 66,000 |
| Cattaraugus County New York | 3 | $ 101,000 | $ 33,000 | $ 50,000 |
| Essex County New York | 3 | $ 276,000 | $ 92,000 | $ 81,000 |
| Herkimer County New York | 3 | $ 319,000 | $ 106,000 | $ 40,000 |
| Orange County New York | 3 | $ 307,000 | $ 102,000 | $ 69,000 |
| Steuben County New York | 3 | $ 182,000 | $ 60,000 | $ 101,000 |
| Sullivan County New York | 3 | $ 66,000 | $ 22,000 | $ 37,000 |
| Washington County New York | 3 | $ 245,000 | $ 81,000 | $ 83,000 |
| Erie County Pennsylvania | 3 | $ 48,000 | $ 16,000 | $ 25,000 |
| Erie County New York | 2 | $ 182,000 | $ 91,000 | $ 68,000 |
| Palm Beach County Florida | 1 | $ 900,000 | $ 900,000 | $ 235,000 |
| Chautauqua County New York | 1 | $ 13,000 | $ 13,000 | $ 30,000 |
| Clinton County New York | 1 | $ 17,000 | $ 17,000 | $ 21,000 |
| Hamilton County New York | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Niagara County New York | 1 | $ 162,000 | $ 162,000 | $ 88,000 |
| Orleans County New York | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Putnam County New York | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Rockland County New York | 1 | $ 126,000 | $ 126,000 | $ 104,000 |
| Seneca County New York | 1 | $ 27,000 | $ 27,000 | $ 63,000 |
| Westchester County New York | 1 | $ 260,000 | $ 260,000 | $ 174,000 |
| Yates County New York | 1 | $ 58,000 | $ 58,000 | $ 75,000 |
| Tioga County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 24,000 |
| Warren County Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 23,000 |
| Wyoming County Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Bsb Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,532 | $239,700,000 | $83,000 | $643,000 | $74,500 | $648,000 |
| Home Purchase (one-to-four family) | 483 | $47,978,000 | $356,333 | $960,000 | $116,666 | $1,379,000 |
| Home Improvement (one-to-four family) | 306 | $5,584,000 | $19,000 | $116,000 | $58,000 | $425,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 8 | $1,156,000 | $144,000 | $400,000 | $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 | 3,154 | $278,834,000 | $351,333 | $960,000 | $120,000 | $1,379,000 |
| Asian or Pacific Islander | 75 | $8,604,000 | $114,000 | $290,000 | $100,000 | $448,000 |
| Information not provided by applicant in mail or telephone application | 38 | $1,547,000 | $36,500 | $130,000 | $72,500 | $136,000 |
| Black | 28 | $2,361,000 | $69,500 | $236,000 | $57,000 | $406,000 |
| Hispanic | 16 | $831,000 | $30,500 | $120,000 | $57,000 | $141,000 |
| Other | 8 | $892,000 | $111,000 | $292,000 | $87,000 | $160,000 |
| American Indian or Alaskan Native | 7 | $682,000 | $97,000 | $323,000 | $84,000 | $236,000 |
| Not applicable | 3 | $667,000 | $222,000 | $400,000 | $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) | 3,311 | $292,963,000 | $350,666 | $960,000 | $121,333 | $1,379,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,455,000 | $80,000 | $138,000 | $43,000 | $88,000 |
| 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 | 2,519 | $223,370,000 | $352,000 | $960,000 | $124,666 | $1,379,000 |
| Application Withdrawn By Applicant | 315 | $34,350,000 | $109,000 | $294,000 | $82,000 | $516,000 |
| Application Approved But Not Accepted | 258 | $26,443,000 | $104,000 | $320,000 | $71,000 | $402,000 |
| Application Denied By Financial Institution | 195 | $6,377,000 | $26,500 | $152,000 | $53,000 | $425,000 |
| File Closed For Incompleteness | 42 | $3,878,000 | $112,000 | $205,000 | $48,000 | $242,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bsb Bank & Trust Company'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 Bsb Bank & Trust Company'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.