Buffalo Federal Savings Bank Mortgage Lending & HMDA Data, 2010
In 2010, Buffalo Federal Savings Bank of Buffalo, WY reported 550 mortgage applications totaling $102.9 million, down 21% from 2009. The average application was for $187,069, and applicants reported an average income of $72,687. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Casper, WY (72), Portland-Vancouver-Hillsboro, OR-WA (50) and Tacoma, WA (50) (applications in parentheses).
| Mortgage Company & Address | Buffalo Federal Savings Bank P.O. Box 1020, 106 Fort Street Buffalo, WY 82834 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 550 |
| Total Mortgage Loan Application Amount | $102,888,000 |
| Average Mortgage Loan Application Amount | $187,069 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $72,687 |
| Highest Applicant Income | $480,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Buffalo Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Casper, WY | 72 | $ 9,119,000 | $ 126,652 | $ 59,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 50 | $ 12,484,000 | $ 249,680 | $ 75,600 |
| Tacoma, WA | 50 | $ 11,533,000 | $ 230,660 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 49 | $ 14,011,000 | $ 285,938 | $ 97,000 |
| Yakima, WA | 26 | $ 3,692,000 | $ 142,000 | $ 51,000 |
| Cheyenne, WY | 22 | $ 4,444,000 | $ 202,000 | $ 63,000 |
| Mount Vernon-Anacortes, WA | 13 | $ 2,796,000 | $ 215,076 | $ 71,000 |
| Olympia, WA | 10 | $ 2,296,000 | $ 229,600 | $ 58,000 |
| Bellingham, WA | 4 | $ 826,000 | $ 206,500 | $ 95,000 |
| Boise City-Nampa, ID | 3 | $ 508,000 | $ 169,333 | $ 193,000 |
| Bremerton-Silverdale, WA | 3 | $ 788,000 | $ 262,666 | $ 59,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 442,000 | $ 147,333 | $ 74,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 1,692,000 | $ 846,000 | $ 123,000 |
| Salem, OR | 2 | $ 350,000 | $ 175,000 | $ 57,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 222,000 | $ 222,000 | $ 123,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 286,000 | $ 286,000 | $ 77,000 |
| Cedar Rapids, IA | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Eugene-Springfield, OR | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 246,000 | $ 246,000 | $ 159,000 |
| Pocatello, ID | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 264,000 | $ 264,000 | $ 76,000 |
| Spokane, WA | 1 | $ 29,000 | $ 29,000 | $ 27,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Wichita, KS | 1 | $ 142,000 | $ 142,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Buffalo Federal Savings Bank in 2010
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 | 274 | $55,922,000 | $204,000 | $1,500,000 | $78,000 | $375,000 |
| Home Purchase | 257 | $45,716,000 | $177,000 | $569,000 | $67,000 | $480,000 |
| Home Improvement | 19 | $1,250,000 | $65,000 | $200,000 | $73,000 | $191,000 |
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 | 471 | $88,822,000 | $188,000 | $1,500,000 | $74,000 | $480,000 |
| Hispanic | 44 | $6,915,000 | $157,000 | $410,000 | $60,000 | $171,000 |
| Asian | 11 | $2,459,000 | $223,000 | $327,000 | $57,000 | $93,000 |
| Black or African American | 7 | $1,447,000 | $206,000 | $276,000 | $66,000 | $90,000 |
| Not Provided | 7 | $1,596,000 | $228,000 | $372,000 | $45,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,137,000 | $189,000 | $424,000 | $77,000 | $144,000 |
| American Indian or Alaskan Native | 4 | $512,000 | $128,000 | $204,000 | $63,000 | $82,000 |
| Not applicable | 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) | 279 | $47,039,000 | $168,000 | $1,500,000 | $82,000 | $480,000 |
| FHA-insured (Federal Housing Administration) | 169 | $36,520,000 | $216,000 | $569,000 | $70,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $11,890,000 | $177,000 | $352,000 | $49,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,439,000 | $212,000 | $315,000 | $51,000 | $180,000 |
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 | 352 | $61,963,000 | $176,000 | $569,000 | $73,000 | $480,000 |
| Application Withdrawn By Applicant | 93 | $18,096,000 | $194,000 | $417,000 | $80,000 | $348,000 |
| Application Denied By Financial Institution | 76 | $16,141,000 | $212,000 | $1,500,000 | $63,000 | $233,000 |
| File Closed For Incompleteness | 27 | $6,397,000 | $236,000 | $812,000 | $71,000 | $375,000 |
| Application Approved But Not Accepted | 1 | $31,000 | $31,000 | $31,000 | $5,000 | $5,000 |
| Preapproval Denied by Financial Institution | 1 | $260,000 | $260,000 | $260,000 | $45,000 | $45,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $3,151,000 | $131,000 | $264,000 | $54,000 | $152,000 |
| Debt-To-Income Ratio | 21 | $5,582,000 | $265,000 | $1,500,000 | $51,000 | $201,000 |
| Collateral | 14 | $3,465,000 | $247,000 | $645,000 | $84,000 | $219,000 |
| Credit Application Incomplete | 11 | $2,886,000 | $262,000 | $416,000 | $61,000 | $144,000 |
| Unverifiable Information | 2 | $348,000 | $174,000 | $253,000 | $58,000 | $76,000 |
| Employment History | 2 | $394,000 | $197,000 | $241,000 | $138,000 | $233,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $16,000 | $16,000 |
| Mortgage Insurance Denied | 1 | $330,000 | $330,000 | $330,000 | $161,000 | $161,000 |
| Other | 1 | $170,000 | $170,000 | $170,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Buffalo Federal Savings Bank's 2010 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 Buffalo Federal Savings Bank'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.
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with aggregated HMDA statistics today.
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