Community Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Community Bank, National Association 2005 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 | Community Bank, National Association 45-49 Court Street Canton, NY 13617 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,037 |
| Total Mortgage Loan Application Amount | $245,616,000 |
| Average Mortgage Loan Application Amount | $52,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $57,888 |
| Highest Applicant Income | $8,888,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Community Bank, National Association. 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 Community Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Community Bank, National Association'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 Community Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Community Bank, National Association, 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 Community Bank, National Association's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Lawrence County New York | 903 | $ 29,254,000 | $ 32,000 | $ 48,000 |
| Chautauqua County New York | 567 | $ 22,847,000 | $ 40,000 | $ 48,000 |
| Cattaraugus County New York | 467 | $ 16,165,000 | $ 34,000 | $ 59,000 |
| Jefferson County New York | 429 | $ 21,663,000 | $ 50,000 | $ 58,000 |
| Allegany County New York | 393 | $ 11,379,000 | $ 28,000 | $ 47,000 |
| Steuben County New York | 382 | $ 11,528,000 | $ 30,000 | $ 48,000 |
| Franklin County New York | 302 | $ 7,355,000 | $ 24,000 | $ 42,000 |
| Lewis County New York | 276 | $ 10,764,000 | $ 39,000 | $ 53,000 |
| Luzerne County Pennsylvania | 243 | $ 17,152,000 | $ 70,000 | $ 50,000 |
| Lackawanna County Pennsylvania | 234 | $ 16,799,000 | $ 71,000 | $ 48,000 |
| Seneca County New York | 192 | $ 7,298,000 | $ 38,000 | $ 40,000 |
| Ontario County New York | 184 | $ 8,949,000 | $ 48,000 | $ 508,000 |
| Wyoming County Pennsylvania | 160 | $ 7,828,000 | $ 48,000 | $ 41,000 |
| Oswego County New York | 154 | $ 5,671,000 | $ 36,000 | $ 36,000 |
| Cayuga County New York | 146 | $ 5,634,000 | $ 38,000 | $ 53,000 |
| Yates County New York | 119 | $ 4,039,000 | $ 33,000 | $ 35,000 |
| Bradford County Pennsylvania | 101 | $ 5,449,000 | $ 53,000 | $ 59,000 |
| Livingston County New York | 100 | $ 4,081,000 | $ 40,000 | $ 46,000 |
| Wayne County New York | 99 | $ 3,302,000 | $ 33,000 | $ 46,000 |
| Susquehanna County Pennsylvania | 72 | $ 4,033,000 | $ 56,000 | $ 37,000 |
| Oneida County New York | 64 | $ 2,004,000 | $ 31,000 | $ 67,000 |
| Tioga County New York | 61 | $ 2,153,000 | $ 35,000 | $ 59,000 |
| Erie County New York | 59 | $ 2,679,000 | $ 45,000 | $ 48,000 |
| Herkimer County New York | 43 | $ 3,246,000 | $ 75,000 | $ 72,000 |
| Schuyler County New York | 42 | $ 1,282,000 | $ 30,000 | $ 42,000 |
| Onondaga County New York | 40 | $ 2,978,000 | $ 74,000 | $ 88,000 |
| Chemung County New York | 36 | $ 1,859,000 | $ 51,000 | $ 61,000 |
| Broome County New York | 19 | $ 416,000 | $ 21,000 | $ 50,000 |
| McKean County Pennsylvania | 19 | $ 555,000 | $ 29,000 | $ 41,000 |
| Tompkins County New York | 16 | $ 729,000 | $ 45,000 | $ 46,000 |
| Wyoming County New York | 14 | $ 484,000 | $ 34,000 | $ 44,000 |
| Clinton County New York | 13 | $ 1,062,000 | $ 81,000 | $ 156,000 |
| Monroe County New York | 10 | $ 322,000 | $ 32,000 | $ 47,000 |
| Potter County Pennsylvania | 10 | $ 409,000 | $ 40,000 | $ 36,000 |
| Tioga County Pennsylvania | 9 | $ 115,000 | $ 12,000 | $ 32,000 |
| Hamilton County New York | 7 | $ 949,000 | $ 135,000 | $ 84,000 |
| Wayne County Pennsylvania | 7 | $ 489,000 | $ 69,000 | $ 32,000 |
| Madison County New York | 4 | $ 328,000 | $ 82,000 | $ 78,000 |
| Carbon County Pennsylvania | 4 | $ 286,000 | $ 71,000 | $ 57,000 |
| Erie County Pennsylvania | 4 | $ 492,000 | $ 123,000 | $ 70,000 |
| Schuylkill County Pennsylvania | 4 | $ 146,000 | $ 36,000 | $ 36,000 |
| Sullivan County Pennsylvania | 4 | $ 296,000 | $ 74,000 | $ 39,000 |
| Essex County New York | 2 | $ 84,000 | $ 42,000 | $ 47,000 |
| Columbia County Pennsylvania | 2 | $ 146,000 | $ 73,000 | $ 49,000 |
| Okeechobee County Florida | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Monmouth County New Jersey | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Chenango County New York | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Cortland County New York | 1 | $ 64,000 | $ 64,000 | $ 82,000 |
| Delaware County New York | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| Genesee County New York | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Nassau County New York | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Niagara County New York | 1 | $ 38,000 | $ 38,000 | $ 21,000 |
| Orange County New York | 1 | $ 10,000 | $ 10,000 | $ 45,000 |
| Otsego County New York | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Rensselaer County New York | 1 | $ 14,000 | $ 14,000 | $ 29,000 |
| Ulster County New York | 1 | $ 20,000 | $ 20,000 | $ 22,000 |
| Centre County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Monroe County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Community Bank, National Association in 2005
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 Improvement | 3,332 | $58,629,000 | $17,000 | $340,000 | $42,666 | $3,400,000 |
| Home Purchase | 1,412 | $98,306,000 | $67,750 | $740,000 | $54,500 | $1,162,000 |
| Refinancing | 1,293 | $88,681,000 | $73,000 | $1,000,000 | $87,500 | $8,888,000 |
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 | 5,870 | $237,178,000 | $42,600 | $1,000,000 | $51,200 | $3,400,000 |
| Hispanic | 51 | $1,664,000 | $52,000 | $112,000 | $39,666 | $107,000 |
| Not applicable | 32 | $5,187,000 | $152,500 | $740,000 | $299,500 | $8,888,000 |
| American Indian or Alaskan Native | 27 | $451,000 | $11,000 | $72,000 | $37,000 | $83,000 |
| Black or African American | 25 | $554,000 | $18,500 | $85,000 | $49,500 | $94,000 |
| Not Provided | 18 | $147,000 | $8,000 | $38,000 | $33,000 | $76,000 |
| Asian | 11 | $346,000 | $21,500 | $121,000 | $63,500 | $226,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $89,000 | $29,000 | $75,000 | $262,000 | $709,000 |
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) | 6,032 | $245,439,000 | $44,200 | $1,000,000 | $54,200 | $8,888,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $156,000 | $52,000 | $68,000 | $38,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 2 | $21,000 | $10,000 | $16,000 | $34,000 | $47,000 |
| 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 | 5,023 | $203,749,000 | $36,333 | $1,000,000 | $64,000 | $8,888,000 |
| Application Denied By Financial Institution | 715 | $25,103,000 | $44,500 | $321,000 | $47,500 | $235,000 |
| Application Withdrawn By Applicant | 206 | $11,486,000 | $66,500 | $291,000 | $58,500 | $303,000 |
| Application Approved But Not Accepted | 92 | $5,276,000 | $87,000 | $300,000 | $59,666 | $229,000 |
| File Closed For Incompleteness | 1 | $2,000 | $2,000 | $2,000 | $28,000 | $28,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 411 | $9,405,000 | $27,333 | $182,000 | $36,333 | $235,000 |
| Debt-To-Income Ratio | 169 | $8,340,000 | $50,750 | $321,000 | $43,500 | $185,000 |
| Collateral | 78 | $4,600,000 | $64,000 | $302,000 | $53,500 | $135,000 |
| Other | 49 | $2,263,000 | $49,500 | $185,000 | $48,000 | $125,000 |
| Employment History | 3 | $90,000 | $33,500 | $45,000 | $29,000 | $69,000 |
| Unverifiable Information | 2 | $115,000 | $57,000 | $65,000 | $31,000 | $42,000 |
| Credit Application Incomplete | 2 | $242,000 | $121,000 | $240,000 | $36,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $48,000 | $48,000 | $48,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Bank, National Association's 2005 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 Community Bank, National Association'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.