First Niagara Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
First Niagara Bank 2013 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 | 14,153 |
| Total Mortgage Loan Application Amount | $2,785,369,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $15,500,000 |
| Average Applicant Income | $101,666 |
| Highest Applicant Income | $5,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 2,916 | $ 423,535,000 | $ 145,000 | $ 92,000 |
| Monroe County New York | 862 | $ 99,703,000 | $ 115,000 | $ 82,000 |
| Niagara County New York | 797 | $ 88,172,000 | $ 110,000 | $ 76,000 |
| New Haven County Connecticut | 675 | $ 167,369,000 | $ 247,000 | $ 118,000 |
| Fairfield County Connecticut | 630 | $ 468,869,000 | $ 744,000 | $ 295,000 |
| Allegheny County Pennsylvania | 613 | $ 100,768,000 | $ 164,000 | $ 91,000 |
| Hartford County Connecticut | 505 | $ 91,938,000 | $ 182,000 | $ 95,000 |
| Montgomery County Pennsylvania | 410 | $ 96,985,000 | $ 236,000 | $ 114,000 |
| Onondaga County New York | 349 | $ 55,233,000 | $ 158,000 | $ 98,000 |
| Rockland County New York | 333 | $ 87,821,000 | $ 263,000 | $ 145,000 |
| Oneida County New York | 305 | $ 33,280,000 | $ 109,000 | $ 82,000 |
| Albany County New York | 298 | $ 55,831,000 | $ 187,000 | $ 101,000 |
| Saratoga County New York | 274 | $ 69,489,000 | $ 253,000 | $ 121,000 |
| Tolland County Connecticut | 262 | $ 43,559,000 | $ 166,000 | $ 95,000 |
| Hampden County Massachusetts | 248 | $ 44,838,000 | $ 180,000 | $ 81,000 |
| Westmoreland County Pennsylvania | 208 | $ 33,055,000 | $ 158,000 | $ 102,000 |
| Broome County New York | 192 | $ 19,164,000 | $ 99,000 | $ 69,000 |
| Rensselaer County New York | 181 | $ 25,775,000 | $ 142,000 | $ 86,000 |
| Chester County Pennsylvania | 164 | $ 38,641,000 | $ 235,000 | $ 133,000 |
| Washington County Pennsylvania | 146 | $ 23,199,000 | $ 158,000 | $ 83,000 |
| Bucks County Pennsylvania | 141 | $ 33,988,000 | $ 241,000 | $ 104,000 |
| Schenectady County New York | 129 | $ 18,865,000 | $ 146,000 | $ 88,000 |
| Cayuga County New York | 125 | $ 11,072,000 | $ 88,000 | $ 70,000 |
| Columbia County New York | 125 | $ 24,626,000 | $ 197,000 | $ 108,000 |
| Lehigh County Pennsylvania | 122 | $ 19,474,000 | $ 159,000 | $ 71,000 |
| Dutchess County New York | 118 | $ 22,826,000 | $ 193,000 | $ 116,000 |
| Middlesex County Connecticut | 113 | $ 29,873,000 | $ 264,000 | $ 115,000 |
| Westchester County New York | 113 | $ 41,214,000 | $ 364,000 | $ 163,000 |
| Windham County Connecticut | 110 | $ 14,432,000 | $ 131,000 | $ 81,000 |
| Genesee County New York | 102 | $ 9,827,000 | $ 96,000 | $ 68,000 |
| Orange County New York | 92 | $ 17,561,000 | $ 190,000 | $ 98,000 |
| Chautauqua County New York | 85 | $ 8,600,000 | $ 101,000 | $ 92,000 |
| Tompkins County New York | 83 | $ 13,850,000 | $ 166,000 | $ 101,000 |
| Philadelphia County Pennsylvania | 82 | $ 25,536,000 | $ 311,000 | $ 172,000 |
| Erie County Pennsylvania | 80 | $ 11,305,000 | $ 141,000 | $ 109,000 |
| Orleans County New York | 75 | $ 6,017,000 | $ 80,000 | $ 71,000 |
| Wayne County New York | 71 | $ 7,151,000 | $ 100,000 | $ 63,000 |
| Cortland County New York | 70 | $ 5,536,000 | $ 79,000 | $ 67,000 |
| Carbon County Pennsylvania | 70 | $ 7,353,000 | $ 105,000 | $ 70,000 |
| Fayette County Pennsylvania | 67 | $ 6,860,000 | $ 102,000 | $ 127,000 |
| Berks County Pennsylvania | 64 | $ 8,560,000 | $ 133,000 | $ 86,000 |
| Wyoming County New York | 63 | $ 6,648,000 | $ 105,000 | $ 67,000 |
| St. Lawrence County New York | 55 | $ 5,242,000 | $ 95,000 | $ 76,000 |
| Jefferson County New York | 53 | $ 5,724,000 | $ 108,000 | $ 67,000 |
| Butler County Pennsylvania | 51 | $ 7,815,000 | $ 153,000 | $ 103,000 |
| Ontario County New York | 49 | $ 14,700,000 | $ 300,000 | $ 113,000 |
| Northampton County Pennsylvania | 48 | $ 8,047,000 | $ 167,000 | $ 105,000 |
| New London County Connecticut | 46 | $ 22,227,000 | $ 483,000 | $ 149,000 |
| Fulton County New York | 45 | $ 4,406,000 | $ 97,000 | $ 76,000 |
| Montgomery County New York | 44 | $ 3,562,000 | $ 80,000 | $ 116,000 |
| Delaware County Pennsylvania | 43 | $ 9,788,000 | $ 227,000 | $ 116,000 |
| Franklin County New York | 42 | $ 4,486,000 | $ 106,000 | $ 84,000 |
| Putnam County New York | 39 | $ 7,955,000 | $ 203,000 | $ 108,000 |
| Beaver County Pennsylvania | 36 | $ 4,178,000 | $ 116,000 | $ 76,000 |
| Greene County New York | 35 | $ 4,418,000 | $ 126,000 | $ 103,000 |
| Sullivan County New York | 34 | $ 5,285,000 | $ 155,000 | $ 95,000 |
| Herkimer County New York | 33 | $ 5,362,000 | $ 162,000 | $ 169,000 |
| Warren County New York | 33 | $ 8,091,000 | $ 245,000 | $ 133,000 |
| Monroe County Pennsylvania | 33 | $ 3,783,000 | $ 114,000 | $ 62,000 |
| Warren County Pennsylvania | 33 | $ 3,361,000 | $ 101,000 | $ 63,000 |
| Cattaraugus County New York | 32 | $ 4,690,000 | $ 146,000 | $ 172,000 |
| Cape May County New Jersey | 29 | $ 10,359,000 | $ 357,000 | $ 456,000 |
| Ocean County New Jersey | 29 | $ 3,952,000 | $ 136,000 | $ 117,000 |
| Madison County New York | 29 | $ 3,531,000 | $ 121,000 | $ 107,000 |
| Tioga County New York | 29 | $ 3,017,000 | $ 104,000 | $ 83,000 |
| Livingston County New York | 25 | $ 2,784,000 | $ 111,000 | $ 130,000 |
| Burlington County New Jersey | 23 | $ 3,919,000 | $ 170,000 | $ 99,000 |
| Monmouth County New Jersey | 23 | $ 5,135,000 | $ 223,000 | $ 105,000 |
| Essex County New York | 23 | $ 7,156,000 | $ 311,000 | $ 261,000 |
| Crawford County Pennsylvania | 23 | $ 2,186,000 | $ 95,000 | $ 61,000 |
| Litchfield County Connecticut | 20 | $ 8,599,000 | $ 429,000 | $ 136,000 |
| Oswego County New York | 20 | $ 2,220,000 | $ 111,000 | $ 76,000 |
| Middlesex County Massachusetts | 19 | $ 11,215,000 | $ 590,000 | $ 183,000 |
| Washington County New York | 18 | $ 2,332,000 | $ 129,000 | $ 96,000 |
| Hampshire County Massachusetts | 17 | $ 4,129,000 | $ 242,000 | $ 91,000 |
| Norfolk County Massachusetts | 17 | $ 9,428,000 | $ 554,000 | $ 215,000 |
| Bergen County New Jersey | 15 | $ 4,961,000 | $ 330,000 | $ 198,000 |
| Chenango County New York | 15 | $ 1,367,000 | $ 91,000 | $ 77,000 |
| Suffolk County Massachusetts | 13 | $ 7,910,000 | $ 608,000 | $ 316,000 |
| Atlantic County New Jersey | 13 | $ 3,070,000 | $ 236,000 | $ 156,000 |
| Middlesex County New Jersey | 13 | $ 1,637,000 | $ 125,000 | $ 83,000 |
| Lewis County New York | 13 | $ 1,377,000 | $ 105,000 | $ 78,000 |
| Suffolk County New York | 13 | $ 3,598,000 | $ 276,000 | $ 143,000 |
| Ulster County New York | 13 | $ 1,598,000 | $ 122,000 | $ 71,000 |
| Barnstable County Massachusetts | 12 | $ 4,552,000 | $ 379,000 | $ 342,000 |
| Gloucester County New Jersey | 12 | $ 1,091,000 | $ 90,000 | $ 88,000 |
| Seneca County New York | 12 | $ 1,932,000 | $ 161,000 | $ 138,000 |
| Collier County Florida | 11 | $ 5,654,000 | $ 514,000 | $ 778,000 |
| Palm Beach County Florida | 11 | $ 9,973,000 | $ 906,000 | $ 423,000 |
| Plymouth County Massachusetts | 11 | $ 4,640,000 | $ 421,000 | $ 142,000 |
| Mercer County New Jersey | 11 | $ 2,954,000 | $ 268,000 | $ 372,000 |
| Kings County New York | 11 | $ 3,906,000 | $ 355,000 | $ 104,000 |
| Yates County New York | 11 | $ 1,890,000 | $ 171,000 | $ 170,000 |
| Schuylkill County Pennsylvania | 11 | $ 747,000 | $ 67,000 | $ 65,000 |
| Morris County New Jersey | 10 | $ 3,948,000 | $ 394,000 | $ 718,000 |
| Lee County Florida | 9 | $ 5,613,000 | $ 623,000 | $ 969,000 |
| Worcester County Massachusetts | 9 | $ 2,089,000 | $ 232,000 | $ 88,000 |
| Sussex County Delaware | 8 | $ 1,871,000 | $ 233,000 | $ 159,000 |
| New York County New York | 8 | $ 3,777,000 | $ 472,000 | $ 224,000 |
| Lancaster County Pennsylvania | 8 | $ 742,000 | $ 92,000 | $ 61,000 |
| New Castle County Delaware | 7 | $ 1,423,000 | $ 203,000 | $ 117,000 |
| Washington County Rhode Island | 7 | $ 3,928,000 | $ 561,000 | $ 241,000 |
| Camden County New Jersey | 6 | $ 818,000 | $ 136,000 | $ 235,000 |
| Bronx County New York | 6 | $ 1,602,000 | $ 267,000 | $ 81,000 |
| Delaware County New York | 6 | $ 501,000 | $ 83,000 | $ 260,000 |
| Broward County Florida | 5 | $ 3,640,000 | $ 728,000 | $ 531,000 |
| Sarasota County Florida | 5 | $ 1,207,000 | $ 241,000 | $ 852,000 |
| Sussex County New Jersey | 5 | $ 807,000 | $ 161,000 | $ 94,000 |
| Pike County Pennsylvania | 5 | $ 714,000 | $ 142,000 | $ 96,000 |
| Susquehanna County Pennsylvania | 5 | $ 623,000 | $ 124,000 | $ 73,000 |
| Wayne County Pennsylvania | 5 | $ 572,000 | $ 114,000 | $ 104,000 |
| Brevard County Florida | 4 | $ 611,000 | $ 152,000 | $ 436,000 |
| Martin County Florida | 4 | $ 1,191,000 | $ 297,000 | $ 460,000 |
| Pinellas County Florida | 4 | $ 530,000 | $ 132,000 | $ 132,000 |
| Dukes County Massachusetts | 4 | $ 3,769,000 | $ 942,000 | $ 1,030,000 |
| Nantucket County Massachusetts | 4 | $ 2,440,000 | $ 610,000 | $ 912,000 |
| Cumberland County New Jersey | 4 | $ 308,000 | $ 77,000 | $ 42,000 |
| Hunterdon County New Jersey | 4 | $ 1,144,000 | $ 286,000 | $ 596,000 |
| Hamilton County New York | 4 | $ 542,000 | $ 135,000 | $ 86,000 |
| Queens County New York | 4 | $ 835,000 | $ 208,000 | $ 101,000 |
| Bradford County Pennsylvania | 4 | $ 516,000 | $ 129,000 | $ 153,000 |
| Cumberland County Pennsylvania | 4 | $ 985,000 | $ 246,000 | $ 29,000 |
| Mercer County Pennsylvania | 4 | $ 707,000 | $ 176,000 | $ 154,000 |
| Essex County Massachusetts | 3 | $ 2,197,000 | $ 732,000 | $ 153,000 |
| Somerset County New Jersey | 3 | $ 375,000 | $ 125,000 | $ 90,000 |
| Warren County New Jersey | 3 | $ 231,000 | $ 77,000 | $ 94,000 |
| Allegany County New York | 3 | $ 321,000 | $ 107,000 | $ 149,000 |
| Nassau County New York | 3 | $ 1,046,000 | $ 348,000 | $ 129,000 |
| Otsego County New York | 3 | $ 720,000 | $ 240,000 | $ 63,000 |
| Armstrong County Pennsylvania | 3 | $ 216,000 | $ 72,000 | $ 82,000 |
| Columbia County Pennsylvania | 3 | $ 359,000 | $ 119,000 | $ 58,000 |
| Elk County Pennsylvania | 3 | $ 198,000 | $ 66,000 | $ 10,000 |
| Somerset County Pennsylvania | 3 | $ 479,000 | $ 159,000 | $ 291,000 |
| Newport County Rhode Island | 3 | $ 3,029,000 | $ 1,009,000 | $ 917,000 |
| Charlotte County Florida | 2 | $ 275,000 | $ 137,000 | $ 103,000 |
| Franklin County Florida | 2 | $ 740,000 | $ 370,000 | $ 396,000 |
| Manatee County Florida | 2 | $ 738,000 | $ 369,000 | $ 251,000 |
| Orange County Florida | 2 | $ 2,437,000 | $ 1,218,000 | $ 965,000 |
| Volusia County Florida | 2 | $ 1,008,000 | $ 504,000 | $ 1,549,000 |
| Bristol County Massachusetts | 2 | $ 399,000 | $ 199,000 | $ 50,000 |
| Passaic County New Jersey | 2 | $ 96,000 | $ 48,000 | $ 124,000 |
| Salem County New Jersey | 2 | $ 231,000 | $ 115,000 | $ 61,000 |
| Chemung County New York | 2 | $ 163,000 | $ 81,000 | $ 65,000 |
| Clinton County New York | 2 | $ 352,000 | $ 176,000 | $ 66,000 |
| Schoharie County New York | 2 | $ 349,000 | $ 174,000 | $ 70,000 |
| Schuyler County New York | 2 | $ 238,000 | $ 119,000 | $ 57,000 |
| Steuben County New York | 2 | $ 74,000 | $ 37,000 | $ 62,000 |
| Centre County Pennsylvania | 2 | $ 425,000 | $ 212,000 | $ 105,000 |
| Indiana County Pennsylvania | 2 | $ 245,000 | $ 122,000 | $ 54,000 |
| Lawrence County Pennsylvania | 2 | $ 245,000 | $ 122,000 | $ 47,000 |
| Lebanon County Pennsylvania | 2 | $ 125,000 | $ 62,000 | $ 59,000 |
| McKean County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Sullivan County Pennsylvania | 2 | $ 257,000 | $ 128,000 | $ 91,000 |
| Citrus County Florida | 1 | $ 106,000 | $ 106,000 | $ 122,000 |
| Hillsborough County Florida | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Indian River County Florida | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Marion County Florida | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Miami-Dade County Florida | 1 | $ 402,000 | $ 402,000 | $ 1,012,000 |
| St. Lucie County Florida | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Sumter County Florida | 1 | $ 220,000 | $ 220,000 | $ 282,000 |
| Lincoln County Maine | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Franklin County Massachusetts | 1 | $ 9,000 | $ 9,000 | $ 4,000 |
| Essex County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 110,000 |
| Hudson County New Jersey | 1 | $ 1,140,000 | $ 1,140,000 | $ 2,105,000 |
| Richmond County New York | 1 | $ 360,000 | $ 360,000 | $ 187,000 |
| Franklin County Ohio | 1 | $ 10,170,000 | $ 10,170,000 | $ 0 |
| Adams County Pennsylvania | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Forest County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 84,000 |
| Greene County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 157,000 |
| Lackawanna County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Potter County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 136,000 |
| Venango County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 28,000 |
| York County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Windham County Vermont | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Marion County West Virginia | 1 | $ 201,000 | $ 201,000 | $ 85,000 |
| Preston County West Virginia | 1 | $ 128,000 | $ 128,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for First Niagara Bank in 2013
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 | 6,865 | $1,651,093,000 | $240,000 | $15,500,000 | $127,000 | $4,359,000 |
| Home Purchase | 5,995 | $1,083,225,000 | $180,000 | $10,170,000 | $99,000 | $5,000,000 |
| Home Improvement | 1,293 | $51,051,000 | $39,000 | $3,200,000 | $79,000 | $1,118,000 |
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 | 11,605 | $2,212,534,000 | $190,000 | $3,500,000 | $115,000 | $5,000,000 |
| Not Provided | 1,078 | $189,098,000 | $175,000 | $3,847,000 | $113,000 | $2,549,000 |
| Black or African American | 472 | $59,096,000 | $125,000 | $1,138,000 | $67,000 | $1,200,000 |
| Asian | 385 | $85,960,000 | $223,000 | $1,700,000 | $117,000 | $750,000 |
| Hispanic | 328 | $46,653,000 | $142,000 | $1,270,000 | $71,000 | $623,000 |
| Not applicable | 214 | $178,786,000 | $835,000 | $15,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 47 | $9,872,000 | $210,000 | $890,000 | $119,000 | $1,244,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $3,370,000 | $140,000 | $321,000 | $92,000 | $317,000 |
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) | 12,292 | $2,552,254,000 | $207,000 | $15,500,000 | $119,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 1,553 | $190,667,000 | $122,000 | $466,000 | $53,000 | $506,000 |
| VA-guaranteed (Veterans Administration) | 208 | $31,740,000 | $152,000 | $409,000 | $70,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 100 | $10,708,000 | $107,000 | $273,000 | $45,000 | $93,000 |
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 | 9,578 | $1,968,336,000 | $205,000 | $15,500,000 | $113,000 | $5,000,000 |
| Application Denied By Financial Institution | 2,190 | $322,937,000 | $147,000 | $2,940,000 | $89,000 | $3,225,000 |
| File Closed For Incompleteness | 913 | $208,866,000 | $228,000 | $2,095,000 | $132,000 | $2,867,000 |
| Application Approved But Not Accepted | 722 | $120,007,000 | $166,000 | $2,450,000 | $106,000 | $1,523,000 |
| Application Withdrawn By Applicant | 720 | $161,785,000 | $224,000 | $2,000,000 | $133,000 | $3,675,000 |
| Loan Purchased By The Institution | 27 | $3,177,000 | $117,000 | $300,000 | $2,000 | $68,000 |
| Preapproval Denied by Financial Institution | 3 | $261,000 | $87,000 | $143,000 | $40,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 698 | $49,907,000 | $71,000 | $1,260,000 | $81,000 | $3,225,000 |
| Collateral | 580 | $131,520,000 | $226,000 | $2,580,000 | $137,000 | $2,691,000 |
| Debt-To-Income Ratio | 542 | $86,761,000 | $160,000 | $2,940,000 | $56,000 | $360,000 |
| Other | 184 | $22,464,000 | $122,000 | $1,575,000 | $83,000 | $882,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 54 | $10,849,000 | $200,000 | $539,000 | $62,000 | $350,000 |
| Unverifiable Information | 29 | $5,929,000 | $204,000 | $2,000,000 | $95,000 | $960,000 |
| Employment History | 29 | $4,778,000 | $164,000 | $460,000 | $72,000 | $274,000 |
| Credit Application Incomplete | 25 | $4,860,000 | $194,000 | $700,000 | $90,000 | $229,000 |
| Mortgage Insurance Denied | 20 | $2,664,000 | $133,000 | $387,000 | $72,000 | $485,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank's 2013 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.