First Niagara Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First Niagara Bank 2012 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 | 15,172 |
| Total Mortgage Loan Application Amount | $3,213,348,000 |
| Average Mortgage Loan Application Amount | $158,000 |
| Highest Mortgage Loan Application Amount | $41,000,000 |
| Average Applicant Income | $101,333 |
| Highest Applicant Income | $6,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 2,844 | $ 469,405,000 | $ 165,000 | $ 86,000 |
| New Haven County Connecticut | 923 | $ 193,456,000 | $ 209,000 | $ 113,000 |
| Hartford County Connecticut | 844 | $ 142,202,000 | $ 168,000 | $ 89,000 |
| Monroe County New York | 814 | $ 108,073,000 | $ 132,000 | $ 91,000 |
| Fairfield County Connecticut | 808 | $ 648,872,000 | $ 803,000 | $ 342,000 |
| Allegheny County Pennsylvania | 738 | $ 112,525,000 | $ 152,000 | $ 95,000 |
| Niagara County New York | 716 | $ 90,410,000 | $ 126,000 | $ 74,000 |
| Montgomery County Pennsylvania | 488 | $ 88,754,000 | $ 181,000 | $ 107,000 |
| Tolland County Connecticut | 455 | $ 77,334,000 | $ 169,000 | $ 98,000 |
| Albany County New York | 361 | $ 75,403,000 | $ 208,000 | $ 100,000 |
| Hampden County Massachusetts | 348 | $ 57,678,000 | $ 165,000 | $ 89,000 |
| Saratoga County New York | 302 | $ 67,838,000 | $ 224,000 | $ 115,000 |
| Rockland County New York | 301 | $ 72,107,000 | $ 239,000 | $ 113,000 |
| Onondaga County New York | 287 | $ 39,576,000 | $ 137,000 | $ 89,000 |
| Westmoreland County Pennsylvania | 219 | $ 29,120,000 | $ 132,000 | $ 83,000 |
| Chester County Pennsylvania | 206 | $ 51,907,000 | $ 251,000 | $ 131,000 |
| Oneida County New York | 198 | $ 24,950,000 | $ 126,000 | $ 73,000 |
| Middlesex County Connecticut | 193 | $ 45,496,000 | $ 235,000 | $ 111,000 |
| Rensselaer County New York | 190 | $ 31,131,000 | $ 163,000 | $ 100,000 |
| Bucks County Pennsylvania | 189 | $ 40,055,000 | $ 211,000 | $ 130,000 |
| Windham County Connecticut | 177 | $ 24,024,000 | $ 135,000 | $ 73,000 |
| Washington County Pennsylvania | 167 | $ 26,807,000 | $ 160,000 | $ 83,000 |
| Columbia County New York | 150 | $ 25,285,000 | $ 168,000 | $ 107,000 |
| Lehigh County Pennsylvania | 150 | $ 21,819,000 | $ 145,000 | $ 92,000 |
| Erie County Pennsylvania | 134 | $ 19,900,000 | $ 148,000 | $ 108,000 |
| Schenectady County New York | 133 | $ 18,405,000 | $ 138,000 | $ 87,000 |
| Orange County New York | 103 | $ 18,896,000 | $ 183,000 | $ 109,000 |
| Broome County New York | 101 | $ 13,347,000 | $ 132,000 | $ 79,000 |
| Orleans County New York | 101 | $ 8,760,000 | $ 86,000 | $ 68,000 |
| Cayuga County New York | 100 | $ 9,720,000 | $ 97,000 | $ 69,000 |
| Dutchess County New York | 90 | $ 18,119,000 | $ 201,000 | $ 129,000 |
| Philadelphia County Pennsylvania | 90 | $ 24,976,000 | $ 277,000 | $ 96,000 |
| Genesee County New York | 88 | $ 9,016,000 | $ 102,000 | $ 63,000 |
| Ontario County New York | 78 | $ 10,177,000 | $ 130,000 | $ 110,000 |
| Westchester County New York | 78 | $ 23,365,000 | $ 299,000 | $ 136,000 |
| Chautauqua County New York | 77 | $ 9,420,000 | $ 122,000 | $ 121,000 |
| Butler County Pennsylvania | 72 | $ 16,174,000 | $ 224,000 | $ 82,000 |
| Carbon County Pennsylvania | 71 | $ 6,905,000 | $ 97,000 | $ 84,000 |
| Fayette County Pennsylvania | 59 | $ 6,788,000 | $ 115,000 | $ 67,000 |
| Greene County New York | 56 | $ 8,731,000 | $ 155,000 | $ 109,000 |
| Berks County Pennsylvania | 56 | $ 8,691,000 | $ 155,000 | $ 107,000 |
| Wayne County New York | 53 | $ 5,837,000 | $ 110,000 | $ 77,000 |
| Beaver County Pennsylvania | 52 | $ 6,248,000 | $ 120,000 | $ 65,000 |
| New London County Connecticut | 48 | $ 11,149,000 | $ 232,000 | $ 155,000 |
| Tompkins County New York | 48 | $ 8,760,000 | $ 182,000 | $ 92,000 |
| Northampton County Pennsylvania | 47 | $ 6,949,000 | $ 147,000 | $ 91,000 |
| Cortland County New York | 44 | $ 4,553,000 | $ 103,000 | $ 93,000 |
| Montgomery County New York | 43 | $ 5,822,000 | $ 135,000 | $ 85,000 |
| Ocean County New Jersey | 41 | $ 7,066,000 | $ 172,000 | $ 124,000 |
| Delaware County Pennsylvania | 41 | $ 11,791,000 | $ 287,000 | $ 127,000 |
| Hampshire County Massachusetts | 39 | $ 7,027,000 | $ 180,000 | $ 85,000 |
| Jefferson County New York | 39 | $ 4,663,000 | $ 119,000 | $ 135,000 |
| Putnam County New York | 39 | $ 7,633,000 | $ 195,000 | $ 112,000 |
| Warren County New York | 39 | $ 9,759,000 | $ 250,000 | $ 135,000 |
| Fulton County New York | 38 | $ 3,032,000 | $ 79,000 | $ 71,000 |
| Burlington County New Jersey | 33 | $ 4,269,000 | $ 129,000 | $ 72,000 |
| Wyoming County New York | 33 | $ 5,660,000 | $ 171,000 | $ 72,000 |
| Crawford County Pennsylvania | 32 | $ 2,849,000 | $ 89,000 | $ 50,000 |
| Herkimer County New York | 31 | $ 4,632,000 | $ 149,000 | $ 105,000 |
| St. Lawrence County New York | 31 | $ 3,932,000 | $ 126,000 | $ 87,000 |
| Sullivan County New York | 30 | $ 4,500,000 | $ 150,000 | $ 84,000 |
| Litchfield County Connecticut | 26 | $ 11,077,000 | $ 426,000 | $ 176,000 |
| Cape May County New Jersey | 25 | $ 6,429,000 | $ 257,000 | $ 179,000 |
| Madison County New York | 25 | $ 3,723,000 | $ 148,000 | $ 107,000 |
| Oswego County New York | 25 | $ 3,221,000 | $ 128,000 | $ 66,000 |
| Warren County Pennsylvania | 25 | $ 1,975,000 | $ 79,000 | $ 50,000 |
| Bergen County New Jersey | 24 | $ 8,541,000 | $ 355,000 | $ 185,000 |
| Livingston County New York | 24 | $ 3,395,000 | $ 141,000 | $ 89,000 |
| Monroe County Pennsylvania | 24 | $ 3,093,000 | $ 128,000 | $ 64,000 |
| Middlesex County Massachusetts | 23 | $ 19,818,000 | $ 861,000 | $ 349,000 |
| Monmouth County New Jersey | 23 | $ 4,626,000 | $ 201,000 | $ 100,000 |
| Middlesex County New Jersey | 20 | $ 2,723,000 | $ 136,000 | $ 70,000 |
| Tioga County New York | 19 | $ 1,909,000 | $ 100,000 | $ 77,000 |
| Franklin County New York | 18 | $ 2,328,000 | $ 129,000 | $ 86,000 |
| Essex County New York | 17 | $ 4,157,000 | $ 244,000 | $ 196,000 |
| Washington County New York | 17 | $ 2,604,000 | $ 153,000 | $ 98,000 |
| Atlantic County New Jersey | 16 | $ 3,333,000 | $ 208,000 | $ 154,000 |
| Seneca County New York | 16 | $ 1,631,000 | $ 101,000 | $ 90,000 |
| Ulster County New York | 15 | $ 4,355,000 | $ 290,000 | $ 70,000 |
| Cattaraugus County New York | 14 | $ 3,197,000 | $ 228,000 | $ 294,000 |
| Sussex County Delaware | 12 | $ 2,911,000 | $ 242,000 | $ 273,000 |
| Worcester County Massachusetts | 12 | $ 2,068,000 | $ 172,000 | $ 103,000 |
| Schuylkill County Pennsylvania | 11 | $ 1,532,000 | $ 139,000 | $ 75,000 |
| Barnstable County Massachusetts | 10 | $ 4,636,000 | $ 463,000 | $ 303,000 |
| Norfolk County Massachusetts | 10 | $ 6,518,000 | $ 651,000 | $ 204,000 |
| Suffolk County New York | 10 | $ 6,900,000 | $ 690,000 | $ 677,000 |
| Palm Beach County Florida | 9 | $ 10,548,000 | $ 1,172,000 | $ 900,000 |
| Mercer County New Jersey | 9 | $ 2,025,000 | $ 225,000 | $ 115,000 |
| New York County New York | 9 | $ 11,187,000 | $ 1,243,000 | $ 894,000 |
| Lancaster County Pennsylvania | 9 | $ 6,188,000 | $ 687,000 | $ 82,000 |
| Gloucester County New Jersey | 7 | $ 757,000 | $ 108,000 | $ 164,000 |
| Bronx County New York | 7 | $ 1,608,000 | $ 229,000 | $ 95,000 |
| Hamilton County New York | 7 | $ 1,194,000 | $ 170,000 | $ 98,000 |
| Yates County New York | 7 | $ 1,661,000 | $ 237,000 | $ 418,000 |
| Sarasota County Florida | 6 | $ 1,379,000 | $ 229,000 | $ 201,000 |
| Camden County New Jersey | 6 | $ 41,612,000 | $ 6,935,000 | $ 82,000 |
| Passaic County New Jersey | 6 | $ 1,497,000 | $ 249,000 | $ 108,000 |
| Kings County New York | 6 | $ 4,832,000 | $ 805,000 | $ 257,000 |
| York County Pennsylvania | 6 | $ 1,038,000 | $ 173,000 | $ 59,000 |
| Berkshire County Massachusetts | 5 | $ 603,000 | $ 120,000 | $ 95,000 |
| Essex County Massachusetts | 5 | $ 3,086,000 | $ 617,000 | $ 233,000 |
| Plymouth County Massachusetts | 5 | $ 2,369,000 | $ 473,000 | $ 625,000 |
| Suffolk County Massachusetts | 5 | $ 4,283,000 | $ 856,000 | $ 462,000 |
| Essex County New Jersey | 5 | $ 2,785,000 | $ 557,000 | $ 165,000 |
| Allegany County New York | 5 | $ 667,000 | $ 133,000 | $ 143,000 |
| Delaware County New York | 5 | $ 868,000 | $ 173,000 | $ 213,000 |
| Otsego County New York | 5 | $ 582,000 | $ 116,000 | $ 85,000 |
| Queens County New York | 5 | $ 1,729,000 | $ 345,000 | $ 119,000 |
| Richmond County New York | 5 | $ 407,000 | $ 81,000 | $ 46,000 |
| Schoharie County New York | 5 | $ 505,000 | $ 101,000 | $ 81,000 |
| Greene County Pennsylvania | 5 | $ 437,000 | $ 87,000 | $ 39,000 |
| Pike County Pennsylvania | 5 | $ 626,000 | $ 125,000 | $ 94,000 |
| New Castle County Delaware | 4 | $ 1,108,000 | $ 277,000 | $ 158,000 |
| Collier County Florida | 4 | $ 2,545,000 | $ 636,000 | $ 520,000 |
| Franklin County Massachusetts | 4 | $ 701,000 | $ 175,000 | $ 98,000 |
| Union County New Jersey | 4 | $ 1,140,000 | $ 285,000 | $ 176,000 |
| Chemung County New York | 4 | $ 282,000 | $ 70,000 | $ 71,000 |
| Lewis County New York | 4 | $ 514,000 | $ 128,000 | $ 124,000 |
| Armstrong County Pennsylvania | 4 | $ 332,000 | $ 83,000 | $ 29,000 |
| Dauphin County Pennsylvania | 4 | $ 13,105,000 | $ 3,276,000 | $ 85,000 |
| Somerset County Pennsylvania | 4 | $ 2,132,000 | $ 533,000 | $ 613,000 |
| Susquehanna County Pennsylvania | 4 | $ 506,000 | $ 126,000 | $ 91,000 |
| Charlotte County Florida | 3 | $ 1,143,000 | $ 381,000 | $ 478,000 |
| Pinellas County Florida | 3 | $ 459,000 | $ 153,000 | $ 105,000 |
| Cumberland County New Jersey | 3 | $ 495,000 | $ 165,000 | $ 123,000 |
| Hunterdon County New Jersey | 3 | $ 992,000 | $ 330,000 | $ 122,000 |
| Morris County New Jersey | 3 | $ 1,165,000 | $ 388,000 | $ 207,000 |
| Somerset County New Jersey | 3 | $ 680,000 | $ 226,000 | $ 144,000 |
| Chenango County New York | 3 | $ 199,000 | $ 66,000 | $ 61,000 |
| Clinton County New York | 3 | $ 599,000 | $ 199,000 | $ 197,000 |
| Nassau County New York | 3 | $ 1,060,000 | $ 353,000 | $ 138,000 |
| Schuyler County New York | 3 | $ 420,000 | $ 140,000 | $ 81,000 |
| Cumberland County Pennsylvania | 3 | $ 475,000 | $ 158,000 | $ 47,000 |
| Luzerne County Pennsylvania | 3 | $ 538,000 | $ 179,000 | $ 207,000 |
| Mercer County Pennsylvania | 3 | $ 322,000 | $ 107,000 | $ 63,000 |
| Wayne County Pennsylvania | 3 | $ 214,000 | $ 71,000 | $ 51,000 |
| Kent County Rhode Island | 3 | $ 998,000 | $ 332,000 | $ 314,000 |
| Washington County Rhode Island | 3 | $ 685,000 | $ 228,000 | $ 159,000 |
| Broward County Florida | 2 | $ 1,539,000 | $ 769,000 | $ 1,341,000 |
| Lee County Florida | 2 | $ 511,000 | $ 255,000 | $ 835,000 |
| Martin County Florida | 2 | $ 516,000 | $ 258,000 | $ 261,000 |
| Miami-Dade County Florida | 2 | $ 2,617,000 | $ 1,308,000 | $ 572,000 |
| Carroll County Maryland | 2 | $ 512,000 | $ 256,000 | $ 38,000 |
| Dukes County Massachusetts | 2 | $ 4,333,000 | $ 2,166,000 | $ 481,000 |
| Sussex County New Jersey | 2 | $ 94,000 | $ 47,000 | $ 59,000 |
| Steuben County New York | 2 | $ 209,000 | $ 104,000 | $ 138,000 |
| Franklin County Ohio | 2 | $ 6,025,000 | $ 3,012,000 | $ 0 |
| Cleveland County Oklahoma | 2 | $ 6,010,000 | $ 3,005,000 | $ 0 |
| Adams County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 74,000 |
| Forest County Pennsylvania | 2 | $ 434,000 | $ 217,000 | $ 271,000 |
| Lawrence County Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 79,000 |
| Lebanon County Pennsylvania | 2 | $ 424,000 | $ 212,000 | $ 35,000 |
| Tioga County Pennsylvania | 2 | $ 469,000 | $ 234,000 | $ 11,000 |
| Horry County South Carolina | 2 | $ 607,000 | $ 303,000 | $ 0 |
| Kent County Delaware | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| District of Columbia County District Of Columbia | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Bay County Florida | 1 | $ 50,000 | $ 50,000 | $ 126,000 |
| Flagler County Florida | 1 | $ 137,000 | $ 137,000 | $ 58,000 |
| Indian River County Florida | 1 | $ 506,000 | $ 506,000 | $ 241,000 |
| Monroe County Florida | 1 | $ 434,000 | $ 434,000 | $ 0 |
| Orange County Florida | 1 | $ 280,000 | $ 280,000 | $ 204,000 |
| Pasco County Florida | 1 | $ 232,000 | $ 232,000 | $ 186,000 |
| Polk County Florida | 1 | $ 158,000 | $ 158,000 | $ 311,000 |
| St. Lucie County Florida | 1 | $ 40,000 | $ 40,000 | $ 94,000 |
| Bristol County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Nantucket County Massachusetts | 1 | $ 779,000 | $ 779,000 | $ 701,000 |
| Hudson County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Salem County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Cambria County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 47,000 |
| Clarion County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 73,000 |
| Clearfield County Pennsylvania | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Elk County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 64,000 |
| Huntingdon County Pennsylvania | 1 | $ 257,000 | $ 257,000 | $ 278,000 |
| Jefferson County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 35,000 |
| Lycoming County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 114,000 |
| Venango County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Newport County Rhode Island | 1 | $ 1,000,000 | $ 1,000,000 | $ 348,000 |
| Providence County Rhode Island | 1 | $ 104,000 | $ 104,000 | $ 150,000 |
| Brooke County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 58,000 |
| Ohio County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Niagara Bank in 2012
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 | 8,471 | $2,157,643,000 | $254,000 | $41,000,000 | $127,000 | $6,000,000 |
| Home Purchase | 5,623 | $1,011,033,000 | $179,000 | $7,300,000 | $93,000 | $3,513,000 |
| Home Improvement | 1,078 | $44,672,000 | $41,000 | $2,320,000 | $84,000 | $2,470,000 |
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 | 12,787 | $2,576,451,000 | $201,000 | $24,000,000 | $116,000 | $6,000,000 |
| Not Provided | 926 | $165,302,000 | $178,000 | $2,560,000 | $105,000 | $1,680,000 |
| Black or African American | 391 | $52,461,000 | $134,000 | $1,145,000 | $65,000 | $545,000 |
| Hispanic | 367 | $70,667,000 | $192,000 | $2,000,000 | $95,000 | $2,031,000 |
| Asian | 342 | $88,052,000 | $257,000 | $2,000,000 | $137,000 | $1,702,000 |
| Not applicable | 312 | $252,899,000 | $810,000 | $41,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 37 | $5,803,000 | $156,000 | $360,000 | $96,000 | $505,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,713,000 | $171,000 | $330,000 | $195,000 | $856,000 |
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) | 12,932 | $2,926,272,000 | $226,000 | $41,000,000 | $121,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 1,983 | $249,233,000 | $125,000 | $420,000 | $57,000 | $552,000 |
| VA-guaranteed (Veterans Administration) | 194 | $30,840,000 | $158,000 | $570,000 | $70,000 | $318,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $7,003,000 | $111,000 | $265,000 | $44,000 | $81,000 |
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 | 10,706 | $2,297,643,000 | $214,000 | $41,000,000 | $113,000 | $5,672,000 |
| Application Denied By Financial Institution | 1,831 | $346,017,000 | $188,000 | $3,100,000 | $97,000 | $3,244,000 |
| Application Withdrawn By Applicant | 1,398 | $319,028,000 | $228,000 | $6,000,000 | $128,000 | $6,000,000 |
| Application Approved But Not Accepted | 671 | $124,472,000 | $185,000 | $2,450,000 | $108,000 | $2,313,000 |
| File Closed For Incompleteness | 460 | $106,419,000 | $231,000 | $2,310,000 | $125,000 | $1,680,000 |
| Loan Purchased By The Institution | 95 | $18,673,000 | $196,000 | $1,897,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 11 | $1,096,000 | $99,000 | $169,000 | $38,000 | $70,000 |
| 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 | 651 | $145,020,000 | $222,000 | $3,100,000 | $121,000 | $2,676,000 |
| Debt-To-Income Ratio | 424 | $76,099,000 | $179,000 | $1,736,000 | $58,000 | $359,000 |
| Credit History | 411 | $44,415,000 | $108,000 | $1,500,000 | $92,000 | $3,244,000 |
| Other | 180 | $31,137,000 | $172,000 | $2,500,000 | $115,000 | $1,008,000 |
| Credit Application Incomplete | 87 | $36,534,000 | $419,000 | $2,290,000 | $121,000 | $1,127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $6,580,000 | $205,000 | $1,220,000 | $57,000 | $432,000 |
| Unverifiable Information | 25 | $3,829,000 | $153,000 | $497,000 | $66,000 | $331,000 |
| Employment History | 18 | $2,560,000 | $142,000 | $439,000 | $69,000 | $338,000 |
| Mortgage Insurance Denied | 4 | $401,000 | $100,000 | $143,000 | $25,000 | $45,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank's 2012 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.