First Niagara Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
First Niagara Bank 2011 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 | First Niagara Bank 726 Exchange Street Suite 618 Buffalo, NY 14210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 10,112 |
| Total Mortgage Loan Application Amount | $2,300,922,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $21,500,000 |
| Average Applicant Income | $107,333 |
| Highest Applicant Income | $4,082,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with First Niagara Bank. 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 First Niagara Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down First Niagara Bank'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 First Niagara Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Niagara Bank, 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 First Niagara Bank's mortgage activity for 2011.
| 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 | 1,899 | $ 346,611,000 | $ 182,000 | $ 96,000 |
| Fairfield County Connecticut | 601 | $ 551,085,000 | $ 916,000 | $ 380,000 |
| Niagara County New York | 575 | $ 74,555,000 | $ 129,000 | $ 82,000 |
| Allegheny County Pennsylvania | 558 | $ 87,856,000 | $ 157,000 | $ 90,000 |
| New Haven County Connecticut | 548 | $ 101,760,000 | $ 185,000 | $ 109,000 |
| Monroe County New York | 521 | $ 94,220,000 | $ 180,000 | $ 97,000 |
| Hartford County Connecticut | 445 | $ 79,287,000 | $ 178,000 | $ 102,000 |
| Montgomery County Pennsylvania | 361 | $ 69,575,000 | $ 192,000 | $ 117,000 |
| Hampden County Massachusetts | 317 | $ 52,571,000 | $ 165,000 | $ 80,000 |
| Albany County New York | 288 | $ 53,183,000 | $ 184,000 | $ 104,000 |
| Tolland County Connecticut | 270 | $ 43,605,000 | $ 161,000 | $ 103,000 |
| Saratoga County New York | 261 | $ 57,740,000 | $ 221,000 | $ 124,000 |
| Rensselaer County New York | 165 | $ 25,381,000 | $ 153,000 | $ 96,000 |
| Columbia County New York | 158 | $ 27,924,000 | $ 176,000 | $ 124,000 |
| Westmoreland County Pennsylvania | 153 | $ 21,734,000 | $ 142,000 | $ 74,000 |
| Onondaga County New York | 144 | $ 23,846,000 | $ 165,000 | $ 97,000 |
| Chester County Pennsylvania | 136 | $ 31,249,000 | $ 229,000 | $ 134,000 |
| Bucks County Pennsylvania | 135 | $ 28,000,000 | $ 207,000 | $ 105,000 |
| Erie County Pennsylvania | 135 | $ 23,063,000 | $ 170,000 | $ 85,000 |
| Windham County Connecticut | 134 | $ 14,127,000 | $ 105,000 | $ 75,000 |
| Washington County Pennsylvania | 129 | $ 17,244,000 | $ 133,000 | $ 82,000 |
| Middlesex County Connecticut | 111 | $ 39,914,000 | $ 359,000 | $ 138,000 |
| Lehigh County Pennsylvania | 110 | $ 36,842,000 | $ 334,000 | $ 88,000 |
| Oneida County New York | 104 | $ 12,206,000 | $ 117,000 | $ 106,000 |
| Schenectady County New York | 90 | $ 13,213,000 | $ 146,000 | $ 95,000 |
| Cayuga County New York | 84 | $ 8,643,000 | $ 102,000 | $ 65,000 |
| Ontario County New York | 81 | $ 13,097,000 | $ 161,000 | $ 99,000 |
| Philadelphia County Pennsylvania | 74 | $ 27,219,000 | $ 367,000 | $ 136,000 |
| Orleans County New York | 73 | $ 5,369,000 | $ 73,000 | $ 59,000 |
| Genesee County New York | 67 | $ 6,793,000 | $ 101,000 | $ 69,000 |
| Butler County Pennsylvania | 57 | $ 12,171,000 | $ 213,000 | $ 86,000 |
| Carbon County Pennsylvania | 56 | $ 4,375,000 | $ 78,000 | $ 63,000 |
| New London County Connecticut | 49 | $ 14,087,000 | $ 287,000 | $ 248,000 |
| Berks County Pennsylvania | 49 | $ 6,494,000 | $ 132,000 | $ 91,000 |
| Fulton County New York | 47 | $ 4,343,000 | $ 92,000 | $ 67,000 |
| Montgomery County New York | 47 | $ 3,518,000 | $ 74,000 | $ 69,000 |
| Fayette County Pennsylvania | 47 | $ 4,356,000 | $ 92,000 | $ 55,000 |
| Greene County New York | 42 | $ 5,255,000 | $ 125,000 | $ 84,000 |
| Cortland County New York | 40 | $ 5,111,000 | $ 127,000 | $ 62,000 |
| Crawford County Pennsylvania | 38 | $ 4,499,000 | $ 118,000 | $ 62,000 |
| Northampton County Pennsylvania | 36 | $ 26,259,000 | $ 729,000 | $ 155,000 |
| Delaware County Pennsylvania | 34 | $ 6,389,000 | $ 187,000 | $ 96,000 |
| Hampshire County Massachusetts | 32 | $ 7,087,000 | $ 221,000 | $ 106,000 |
| Beaver County Pennsylvania | 32 | $ 5,070,000 | $ 158,000 | $ 68,000 |
| Warren County New York | 30 | $ 5,757,000 | $ 191,000 | $ 146,000 |
| Wyoming County New York | 29 | $ 3,768,000 | $ 129,000 | $ 81,000 |
| Wayne County New York | 28 | $ 3,403,000 | $ 121,000 | $ 69,000 |
| Cape May County New Jersey | 25 | $ 7,546,000 | $ 301,000 | $ 260,000 |
| Ocean County New Jersey | 24 | $ 4,783,000 | $ 199,000 | $ 175,000 |
| Seneca County New York | 24 | $ 2,255,000 | $ 93,000 | $ 68,000 |
| Litchfield County Connecticut | 21 | $ 14,200,000 | $ 676,000 | $ 392,000 |
| Norfolk County Massachusetts | 21 | $ 21,649,000 | $ 1,030,000 | $ 410,000 |
| Schuylkill County Pennsylvania | 20 | $ 2,088,000 | $ 104,000 | $ 76,000 |
| Chautauqua County New York | 19 | $ 3,784,000 | $ 199,000 | $ 233,000 |
| Burlington County New Jersey | 18 | $ 3,541,000 | $ 196,000 | $ 94,000 |
| Cattaraugus County New York | 18 | $ 3,470,000 | $ 192,000 | $ 207,000 |
| Dutchess County New York | 18 | $ 2,902,000 | $ 161,000 | $ 69,000 |
| Herkimer County New York | 18 | $ 1,850,000 | $ 102,000 | $ 81,000 |
| Livingston County New York | 18 | $ 2,873,000 | $ 159,000 | $ 82,000 |
| Monroe County Pennsylvania | 18 | $ 2,087,000 | $ 115,000 | $ 58,000 |
| Middlesex County Massachusetts | 17 | $ 16,049,000 | $ 944,000 | $ 311,000 |
| Monmouth County New Jersey | 17 | $ 5,450,000 | $ 320,000 | $ 135,000 |
| Warren County Pennsylvania | 16 | $ 2,904,000 | $ 181,000 | $ 53,000 |
| Suffolk County Massachusetts | 15 | $ 12,625,000 | $ 841,000 | $ 528,000 |
| Madison County New York | 15 | $ 2,633,000 | $ 175,000 | $ 101,000 |
| Middlesex County New Jersey | 14 | $ 1,468,000 | $ 104,000 | $ 107,000 |
| Essex County New York | 13 | $ 3,603,000 | $ 277,000 | $ 438,000 |
| Worcester County Massachusetts | 10 | $ 3,021,000 | $ 302,000 | $ 116,000 |
| Washington County New York | 9 | $ 1,526,000 | $ 169,000 | $ 106,000 |
| Sussex County Delaware | 8 | $ 871,000 | $ 108,000 | $ 123,000 |
| Lee County Florida | 8 | $ 1,618,000 | $ 202,000 | $ 186,000 |
| Essex County Massachusetts | 8 | $ 6,213,000 | $ 776,000 | $ 222,000 |
| Oswego County New York | 8 | $ 749,000 | $ 93,000 | $ 96,000 |
| Schoharie County New York | 8 | $ 2,868,000 | $ 358,000 | $ 79,000 |
| Suffolk County New York | 8 | $ 812,000 | $ 101,000 | $ 123,000 |
| Ulster County New York | 8 | $ 522,000 | $ 65,000 | $ 58,000 |
| Broome County New York | 7 | $ 1,505,000 | $ 215,000 | $ 62,000 |
| Orange County New York | 7 | $ 1,075,000 | $ 153,000 | $ 90,000 |
| Tompkins County New York | 7 | $ 3,858,000 | $ 551,000 | $ 57,000 |
| Yates County New York | 7 | $ 1,191,000 | $ 170,000 | $ 142,000 |
| Centre County Pennsylvania | 7 | $ 900,000 | $ 128,000 | $ 95,000 |
| Greene County Pennsylvania | 7 | $ 623,000 | $ 89,000 | $ 47,000 |
| New Castle County Delaware | 6 | $ 1,264,000 | $ 210,000 | $ 99,000 |
| Atlantic County New Jersey | 6 | $ 785,000 | $ 130,000 | $ 83,000 |
| Mercer County New Jersey | 6 | $ 1,732,000 | $ 288,000 | $ 124,000 |
| Salem County New Jersey | 6 | $ 318,000 | $ 53,000 | $ 49,000 |
| Armstrong County Pennsylvania | 6 | $ 888,000 | $ 148,000 | $ 76,000 |
| Collier County Florida | 5 | $ 1,536,000 | $ 307,000 | $ 424,000 |
| Franklin County Massachusetts | 5 | $ 966,000 | $ 193,000 | $ 97,000 |
| Camden County New Jersey | 5 | $ 844,000 | $ 168,000 | $ 114,000 |
| Gloucester County New Jersey | 5 | $ 290,000 | $ 58,000 | $ 37,000 |
| Rockland County New York | 5 | $ 332,000 | $ 66,000 | $ 60,000 |
| Luzerne County Pennsylvania | 5 | $ 317,000 | $ 63,000 | $ 45,000 |
| Wayne County Pennsylvania | 5 | $ 838,000 | $ 167,000 | $ 174,000 |
| Broward County Florida | 4 | $ 2,193,000 | $ 548,000 | $ 721,000 |
| Palm Beach County Florida | 4 | $ 1,255,000 | $ 313,000 | $ 733,000 |
| Berkshire County Massachusetts | 4 | $ 1,303,000 | $ 325,000 | $ 258,000 |
| Cumberland County New Jersey | 4 | $ 141,000 | $ 35,000 | $ 40,000 |
| Venango County Pennsylvania | 4 | $ 427,000 | $ 106,000 | $ 83,000 |
| Plymouth County Massachusetts | 3 | $ 1,653,000 | $ 551,000 | $ 230,000 |
| Morris County New Jersey | 3 | $ 1,400,000 | $ 466,000 | $ 162,000 |
| Chenango County New York | 3 | $ 101,000 | $ 33,000 | $ 51,000 |
| Franklin County New York | 3 | $ 819,000 | $ 273,000 | $ 234,000 |
| Hamilton County New York | 3 | $ 522,000 | $ 174,000 | $ 121,000 |
| Jefferson County New York | 3 | $ 3,325,000 | $ 1,108,000 | $ 375,000 |
| Steuben County New York | 3 | $ 858,000 | $ 286,000 | $ 729,000 |
| Lancaster County Pennsylvania | 3 | $ 163,000 | $ 54,000 | $ 58,000 |
| Mercer County Pennsylvania | 3 | $ 1,175,000 | $ 391,000 | $ 231,000 |
| Somerset County Pennsylvania | 3 | $ 899,000 | $ 299,000 | $ 296,000 |
| Sarasota County Florida | 2 | $ 488,000 | $ 244,000 | $ 235,000 |
| Nantucket County Massachusetts | 2 | $ 1,279,000 | $ 639,000 | $ 400,000 |
| Bergen County New Jersey | 2 | $ 758,000 | $ 379,000 | $ 182,000 |
| Sussex County New Jersey | 2 | $ 321,000 | $ 160,000 | $ 105,000 |
| Allegany County New York | 2 | $ 93,000 | $ 46,000 | $ 103,000 |
| Kings County New York | 2 | $ 518,000 | $ 259,000 | $ 59,000 |
| Richmond County New York | 2 | $ 110,000 | $ 55,000 | $ 57,000 |
| Westchester County New York | 2 | $ 542,000 | $ 271,000 | $ 53,000 |
| Clearfield County Pennsylvania | 2 | $ 457,000 | $ 228,000 | $ 193,000 |
| Elk County Pennsylvania | 2 | $ 241,000 | $ 120,000 | $ 75,000 |
| Forest County Pennsylvania | 2 | $ 162,000 | $ 81,000 | $ 83,000 |
| Monongalia County West Virginia | 2 | $ 363,000 | $ 181,000 | $ 168,000 |
| Kent County Delaware | 1 | $ 220,000 | $ 220,000 | $ 43,000 |
| Brevard County Florida | 1 | $ 140,000 | $ 140,000 | $ 72,000 |
| Charlotte County Florida | 1 | $ 116,000 | $ 116,000 | $ 121,000 |
| Citrus County Florida | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Martin County Florida | 1 | $ 557,000 | $ 557,000 | $ 244,000 |
| Nassau County Florida | 1 | $ 412,000 | $ 412,000 | $ 235,000 |
| Pinellas County Florida | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Volusia County Florida | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
| Boone County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Barnstable County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 229,000 |
| Essex County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Hudson County New Jersey | 1 | $ 306,000 | $ 306,000 | $ 216,000 |
| Hunterdon County New Jersey | 1 | $ 396,000 | $ 396,000 | $ 223,000 |
| Somerset County New Jersey | 1 | $ 999,000 | $ 999,000 | $ 453,000 |
| Union County New Jersey | 1 | $ 293,000 | $ 293,000 | $ 114,000 |
| Warren County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Chemung County New York | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Clinton County New York | 1 | $ 91,000 | $ 91,000 | $ 116,000 |
| Delaware County New York | 1 | $ 209,000 | $ 209,000 | $ 57,000 |
| Lewis County New York | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Nassau County New York | 1 | $ 417,000 | $ 417,000 | $ 268,000 |
| New York County New York | 1 | $ 750,000 | $ 750,000 | $ 200,000 |
| Otsego County New York | 1 | $ 247,000 | $ 247,000 | $ 102,000 |
| Putnam County New York | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| Schuyler County New York | 1 | $ 88,000 | $ 88,000 | $ 193,000 |
| St. Lawrence County New York | 1 | $ 49,000 | $ 49,000 | $ 90,000 |
| Blair County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 52,000 |
| Cambria County Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 32,000 |
| Dauphin County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Lawrence County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Lebanon County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 15,000 |
| Lycoming County Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 95,000 |
| Northumberland County Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 63,000 |
| Susquehanna County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 158,000 |
| York County Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 97,000 |
| Washington County Rhode Island | 1 | $ 216,000 | $ 216,000 | $ 230,000 |
| Brooke County West Virginia | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Preston County West Virginia | 1 | $ 223,000 | $ 223,000 | $ 58,000 |
| Raleigh County West Virginia | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Niagara Bank 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 | 5,494 | $1,508,886,000 | $274,000 | $21,500,000 | $132,000 | $3,632,000 |
| Home Purchase | 3,860 | $755,948,000 | $195,000 | $9,775,000 | $108,000 | $4,082,000 |
| Home Improvement | 758 | $36,088,000 | $47,000 | $3,798,000 | $82,000 | $1,560,000 |
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 | 8,844 | $1,879,348,000 | $212,000 | $3,500,000 | $124,000 | $4,082,000 |
| Not Provided | 354 | $58,079,000 | $164,000 | $2,000,000 | $110,000 | $1,831,000 |
| Hispanic | 263 | $40,440,000 | $153,000 | $1,660,000 | $77,000 | $583,000 |
| Black or African American | 252 | $29,879,000 | $118,000 | $480,000 | $63,000 | $306,000 |
| Asian | 196 | $52,984,000 | $270,000 | $1,975,000 | $156,000 | $1,888,000 |
| Not applicable | 170 | $234,697,000 | $1,380,000 | $21,500,000 | $0 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $2,517,000 | $148,000 | $417,000 | $147,000 | $881,000 |
| American Indian or Alaskan Native | 16 | $2,978,000 | $186,000 | $1,088,000 | $72,000 | $257,000 |
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) | 8,480 | $2,079,210,000 | $245,000 | $21,500,000 | $130,000 | $4,082,000 |
| FHA-insured (Federal Housing Administration) | 1,453 | $194,145,000 | $133,000 | $417,000 | $60,000 | $911,000 |
| VA-guaranteed (Veterans Administration) | 140 | $22,947,000 | $163,000 | $578,000 | $68,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,620,000 | $118,000 | $241,000 | $46,000 | $82,000 |
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 | 7,505 | $1,713,536,000 | $228,000 | $21,500,000 | $119,000 | $4,082,000 |
| Application Denied By Financial Institution | 1,418 | $274,705,000 | $193,000 | $2,500,000 | $104,000 | $3,258,000 |
| Application Withdrawn By Applicant | 745 | $236,590,000 | $317,000 | $3,115,000 | $153,000 | $2,312,000 |
| Application Approved But Not Accepted | 305 | $50,437,000 | $165,000 | $2,400,000 | $114,000 | $1,273,000 |
| File Closed For Incompleteness | 114 | $20,958,000 | $183,000 | $902,000 | $96,000 | $730,000 |
| Preapproval Denied by Financial Institution | 16 | $2,801,000 | $175,000 | $450,000 | $56,000 | $168,000 |
| Loan Purchased By The Institution | 9 | $1,895,000 | $210,000 | $402,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 477 | $102,287,000 | $214,000 | $2,490,000 | $116,000 | $2,040,000 |
| Credit History | 358 | $28,436,000 | $79,000 | $1,490,000 | $81,000 | $1,560,000 |
| Debt-To-Income Ratio | 346 | $65,703,000 | $189,000 | $2,500,000 | $64,000 | $501,000 |
| Other | 106 | $19,375,000 | $182,000 | $2,000,000 | $109,000 | $857,000 |
| Credit Application Incomplete | 87 | $49,511,000 | $569,000 | $2,054,000 | $291,000 | $3,258,000 |
| Employment History | 20 | $2,810,000 | $140,000 | $375,000 | $62,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $4,686,000 | $234,000 | $1,000,000 | $59,000 | $204,000 |
| Unverifiable Information | 14 | $3,345,000 | $238,000 | $1,000,000 | $133,000 | $389,000 |
| Mortgage Insurance Denied | 6 | $1,353,000 | $225,000 | $374,000 | $77,000 | $104,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank'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 First Niagara 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.