Hometown Funding, Inc. D/B/A Cnb Mortgage Company Mortgage Lending & HMDA Data, 2011
In 2011, Hometown Funding, Inc. D/B/A Cnb Mortgage Company of Pittsford, NY reported 1,620 mortgage applications totaling $259.7 million, down 18% from 2010. The average application was for $160,320, and applicants reported an average income of $119,425. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Rochester, NY (1,501), Buffalo-Niagara Falls, NY (16) and Syracuse, NY (4) (applications in parentheses).
| Mortgage Company & Address | Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A Monroe Avenue Pittsford, NY 14534 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 2010 |
| Total Number of Mortgage Applications | 1,620 |
| Total Mortgage Loan Application Amount | $259,719,000 |
| Average Mortgage Loan Application Amount | $160,320 |
| Highest Mortgage Loan Application Amount | $2,880,000 |
| Average Applicant Income | $119,425 |
| Highest Applicant Income | $4,753,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hometown Funding, Inc. D/B/A Cnb Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hometown Funding, Inc. D/B/A Cnb Mortgage Company in 2011
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 | 833 | $142,568,000 | $171,000 | $2,880,000 | $134,000 | $4,753,000 |
| Home Purchase | 787 | $117,151,000 | $148,000 | $820,000 | $104,000 | $960,000 |
| Home Improvement | 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 | 1,536 | $245,972,000 | $160,000 | $2,880,000 | $120,000 | $4,753,000 |
| Asian | 35 | $7,279,000 | $207,000 | $580,000 | $144,000 | $814,000 |
| Hispanic | 22 | $3,256,000 | $148,000 | $413,000 | $83,000 | $250,000 |
| Black or African American | 19 | $1,980,000 | $104,000 | $251,000 | $69,000 | $164,000 |
| Not Provided | 8 | $1,232,000 | $154,000 | $600,000 | $170,000 | $618,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,371 | $229,171,000 | $167,000 | $2,880,000 | $129,000 | $4,753,000 |
| FHA-insured (Federal Housing Administration) | 236 | $28,680,000 | $121,000 | $328,000 | $65,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,868,000 | $143,000 | $266,000 | $72,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,403 | $219,745,000 | $156,000 | $913,000 | $117,000 | $4,753,000 |
| Application Approved But Not Accepted | 103 | $19,732,000 | $191,000 | $2,880,000 | $131,000 | $2,204,000 |
| Application Denied By Financial Institution | 56 | $9,742,000 | $173,000 | $600,000 | $126,000 | $555,000 |
| Application Withdrawn By Applicant | 26 | $4,087,000 | $157,000 | $556,000 | $147,000 | $720,000 |
| File Closed For Incompleteness | 24 | $4,750,000 | $197,000 | $820,000 | $171,000 | $960,000 |
| Preapproval Approved but not Accepted | 7 | $1,539,000 | $219,000 | $400,000 | $99,000 | $169,000 |
| Preapproval Denied by Financial Institution | 1 | $124,000 | $124,000 | $124,000 | $32,000 | $32,000 |
| 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 | 17 | $3,345,000 | $196,000 | $600,000 | $113,000 | $476,000 |
| Other | 14 | $1,812,000 | $129,000 | $260,000 | $106,000 | $278,000 |
| Collateral | 13 | $2,692,000 | $207,000 | $417,000 | $194,000 | $555,000 |
| Credit History | 7 | $1,101,000 | $157,000 | $395,000 | $128,000 | $296,000 |
| Employment History | 5 | $570,000 | $114,000 | $180,000 | $42,000 | $76,000 |
| Unverifiable Information | 1 | $346,000 | $346,000 | $346,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometown Funding, Inc. D/B/A Cnb Mortgage Company's 2011 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 Hometown Funding, Inc. D/B/A Cnb Mortgage 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.
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