First Niagara Bank
Mortgage Loan Application
Totals and Details
for 2003
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for First Niagara Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| Mortgage Company & Address | First Niagara Bank 6950 South Transit Road Lockport, NY 14094 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,163 |
| Total Mortgage Loan Application Amount | $557,219,000 |
| Average Mortgage Loan Application Amount | $899,555 |
| Highest Mortgage Loan Application Amount | $11,575,000 |
| Average Applicant Income | $41,333 |
| Highest Applicant Income | $1,303,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Erie County New York | 2,087 | $ 247,621,000 | $ 118,000 | $ 66,000 |
| Niagara County New York | 1,023 | $ 85,420,000 | $ 83,000 | $ 57,000 |
| Cayuga County New York | 335 | $ 25,082,000 | $ 74,000 | $ 50,000 |
| Oneida County New York | 230 | $ 16,075,000 | $ 69,000 | $ 59,000 |
| Cortland County New York | 209 | $ 13,557,000 | $ 64,000 | $ 44,000 |
| Monroe County New York | 188 | $ 50,108,000 | $ 266,000 | $ 71,000 |
| Tompkins County New York | 150 | $ 19,696,000 | $ 131,000 | $ 71,000 |
| Ontario County New York | 128 | $ 11,886,000 | $ 92,000 | $ 47,000 |
| Orleans County New York | 124 | $ 7,121,000 | $ 57,000 | $ 46,000 |
| Genesee County New York | 92 | $ 6,664,000 | $ 72,000 | $ 62,000 |
| Onondaga County New York | 83 | $ 14,623,000 | $ 176,000 | $ 71,000 |
| Seneca County New York | 76 | $ 4,582,000 | $ 60,000 | $ 41,000 |
| Herkimer County New York | 49 | $ 4,381,000 | $ 89,000 | $ 63,000 |
| Wyoming County New York | 28 | $ 2,686,000 | $ 95,000 | $ 70,000 |
| Dutchess County New York | 24 | $ 1,530,000 | $ 63,000 | $ 47,000 |
| Gloucester County New Jersey | 21 | $ 1,240,000 | $ 59,000 | $ 56,000 |
| Ocean County New Jersey | 19 | $ 841,000 | $ 44,000 | $ 58,000 |
| Cattaraugus County New York | 18 | $ 2,763,000 | $ 153,000 | $ 165,000 |
| Suffolk County New York | 17 | $ 1,050,000 | $ 61,000 | $ 48,000 |
| Madison County New York | 16 | $ 735,000 | $ 45,000 | $ 48,000 |
| Orange County New York | 16 | $ 848,000 | $ 53,000 | $ 56,000 |
| Ulster County New York | 15 | $ 702,000 | $ 46,000 | $ 52,000 |
| Yates County New York | 15 | $ 1,056,000 | $ 70,000 | $ 62,000 |
| Rockland County New York | 13 | $ 756,000 | $ 58,000 | $ 93,000 |
| Burlington County New Jersey | 12 | $ 494,000 | $ 41,000 | $ 49,000 |
| Chemung County New York | 12 | $ 893,000 | $ 74,000 | $ 61,000 |
| Saratoga County New York | 12 | $ 2,050,000 | $ 170,000 | $ 91,000 |
| Sussex County Delaware | 11 | $ 539,000 | $ 49,000 | $ 74,000 |
| Oswego County New York | 11 | $ 3,639,000 | $ 330,000 | $ 28,000 |
| Chautauqua County New York | 10 | $ 1,060,000 | $ 106,000 | $ 91,000 |
| Albany County New York | 9 | $ 1,213,000 | $ 134,000 | $ 64,000 |
| Cumberland County New Jersey | 8 | $ 398,000 | $ 49,000 | $ 47,000 |
| Columbia County New York | 8 | $ 486,000 | $ 60,000 | $ 40,000 |
| Tioga County New York | 8 | $ 528,000 | $ 66,000 | $ 77,000 |
| Wayne County New York | 8 | $ 1,386,000 | $ 173,000 | $ 56,000 |
| Livingston County New York | 7 | $ 354,000 | $ 50,000 | $ 64,000 |
| Atlantic County New Jersey | 6 | $ 201,000 | $ 33,000 | $ 58,000 |
| Steuben County New York | 6 | $ 210,000 | $ 35,000 | $ 33,000 |
| Monmouth County New Jersey | 5 | $ 279,000 | $ 55,000 | $ 48,000 |
| Passaic County New Jersey | 5 | $ 328,000 | $ 65,000 | $ 62,000 |
| Richmond County New York | 5 | $ 349,000 | $ 69,000 | $ 41,000 |
| Middlesex County New Jersey | 3 | $ 115,000 | $ 38,000 | $ 48,000 |
| Hamilton County New York | 3 | $ 320,000 | $ 106,000 | $ 120,000 |
| Schuyler County New York | 3 | $ 100,000 | $ 33,000 | $ 40,000 |
| Philadelphia County Pennsylvania | 3 | $ 6,648,000 | $ 2,216,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 104,000 | $ 52,000 | $ 49,000 |
| Hudson County New Jersey | 2 | $ 96,000 | $ 48,000 | $ 46,000 |
| Allegany County New York | 2 | $ 122,000 | $ 61,000 | $ 79,000 |
| Broome County New York | 2 | $ 267,000 | $ 133,000 | $ 13,000 |
| Chenango County New York | 2 | $ 88,000 | $ 44,000 | $ 42,000 |
| Franklin County New York | 2 | $ 95,000 | $ 47,000 | $ 76,000 |
| New York County New York | 2 | $ 1,815,000 | $ 907,000 | $ 0 |
| Otsego County New York | 2 | $ 123,000 | $ 61,000 | $ 33,000 |
| Rensselaer County New York | 2 | $ 196,000 | $ 98,000 | $ 48,000 |
| Warren County New York | 2 | $ 6,576,000 | $ 3,288,000 | $ 20,000 |
| Suffolk County Massachusetts | 1 | $ 4,500,000 | $ 4,500,000 | $ 0 |
| Camden County New Jersey | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Salem County New Jersey | 1 | $ 84,000 | $ 84,000 | $ 76,000 |
| Somerset County New Jersey | 1 | $ 41,000 | $ 41,000 | $ 43,000 |
| Sussex County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Warren County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Fulton County New York | 1 | $ 111,000 | $ 111,000 | $ 67,000 |
| Greene County New York | 1 | $ 80,000 | $ 80,000 | $ 240,000 |
| Jefferson County New York | 1 | $ 58,000 | $ 58,000 | $ 112,000 |
| Nassau County New York | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Putnam County New York | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Sullivan County New York | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for First Niagara Bank 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) | 3,524 | $333,034,000 | $66,000 | $528,000 | $64,000 | $1,144,000 |
| Home Purchase (one-to-four family) | 902 | $89,386,000 | $67,666 | $1,000,000 | $63,333 | $1,303,000 |
| Home Improvement (one-to-four family) | 626 | $14,144,000 | $22,000 | $100,000 | $54,000 | $304,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 111 | $120,655,000 | $2,579,666 | $11,575,000 | $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 | 4,827 | $434,424,000 | $864,750 | $3,271,000 | $48,500 | $1,303,000 |
| Information not provided by applicant in mail or telephone application | 94 | $4,893,000 | $51,000 | $284,000 | $49,500 | $193,000 |
| Not applicable | 66 | $103,326,000 | $2,567,666 | $11,575,000 | $0 | $0 |
| Black | 54 | $3,354,000 | $55,000 | $528,000 | $50,000 | $304,000 |
| Hispanic | 46 | $3,380,000 | $52,500 | $323,000 | $64,500 | $276,000 |
| Asian or Pacific Islander | 37 | $5,699,000 | $154,000 | $500,000 | $106,000 | $380,000 |
| American Indian or Alaskan Native | 27 | $1,491,000 | $55,000 | $250,000 | $45,000 | $101,000 |
| Other | 12 | $652,000 | $54,000 | $134,000 | $40,000 | $99,000 |
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) | 5,056 | $550,468,000 | $1,384,200 | $11,575,000 | $38,000 | $1,303,000 |
| FHA-insured (Federal Housing Administration) | 90 | $5,410,000 | $60,000 | $133,000 | $45,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 17 | $1,341,000 | $78,000 | $141,000 | $53,000 | $141,000 |
| 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 | 4,134 | $489,697,000 | $1,386,200 | $11,575,000 | $42,200 | $1,303,000 |
| Application Denied By Financial Institution | 575 | $28,972,000 | $46,000 | $323,000 | $44,000 | $386,000 |
| Application Approved But Not Accepted | 270 | $23,714,000 | $62,666 | $500,000 | $56,333 | $704,000 |
| Application Withdrawn By Applicant | 180 | $14,112,000 | $63,000 | $528,000 | $71,000 | $508,000 |
| File Closed For Incompleteness | 4 | $724,000 | $181,000 | $469,000 | $91,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 253 | $10,669,000 | $42,000 | $283,000 | $51,000 | $304,000 |
| Debt-To-Income Ratio | 175 | $9,064,000 | $46,500 | $306,000 | $40,500 | $199,000 |
| Other | 82 | $3,647,000 | $44,000 | $292,000 | $65,000 | $386,000 |
| Collateral | 51 | $4,668,000 | $91,000 | $323,000 | $63,000 | $358,000 |
| Unverifiable Information | 6 | $372,000 | $62,000 | $112,000 | $39,000 | $66,000 |
| Employment History | 6 | $224,000 | $37,000 | $58,000 | $57,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $158,000 | $158,000 | $158,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $170,000 | $170,000 | $170,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New York, and search similar information at your convenience.