First Niagara Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Niagara Bank 2014 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 | 10,450 |
| Total Mortgage Loan Application Amount | $1,924,702,000 |
| Average Mortgage Loan Application Amount | $175,333 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $100,666 |
| Highest Applicant Income | $6,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 2,225 | $ 310,498,000 | $ 139,000 | $ 83,000 |
| Niagara County New York | 621 | $ 62,564,000 | $ 100,000 | $ 67,000 |
| Monroe County New York | 610 | $ 70,741,000 | $ 115,000 | $ 88,000 |
| Allegheny County Pennsylvania | 483 | $ 45,838,000 | $ 94,000 | $ 80,000 |
| New Haven County Connecticut | 438 | $ 95,232,000 | $ 217,000 | $ 106,000 |
| Fairfield County Connecticut | 419 | $ 279,075,000 | $ 666,000 | $ 270,000 |
| Hartford County Connecticut | 366 | $ 69,137,000 | $ 188,000 | $ 95,000 |
| Hampden County Massachusetts | 288 | $ 43,766,000 | $ 151,000 | $ 73,000 |
| Oneida County New York | 235 | $ 27,734,000 | $ 118,000 | $ 61,000 |
| Albany County New York | 208 | $ 32,327,000 | $ 155,000 | $ 81,000 |
| Montgomery County Pennsylvania | 206 | $ 31,973,000 | $ 155,000 | $ 93,000 |
| Onondaga County New York | 200 | $ 24,374,000 | $ 121,000 | $ 77,000 |
| Tolland County Connecticut | 160 | $ 15,487,000 | $ 96,000 | $ 88,000 |
| Broome County New York | 144 | $ 12,026,000 | $ 83,000 | $ 62,000 |
| Rockland County New York | 144 | $ 32,994,000 | $ 229,000 | $ 116,000 |
| Saratoga County New York | 138 | $ 32,016,000 | $ 232,000 | $ 119,000 |
| Philadelphia County Pennsylvania | 125 | $ 26,166,000 | $ 209,000 | $ 162,000 |
| Westchester County New York | 124 | $ 34,508,000 | $ 278,000 | $ 165,000 |
| Cayuga County New York | 121 | $ 8,350,000 | $ 69,000 | $ 69,000 |
| Columbia County New York | 116 | $ 16,091,000 | $ 138,000 | $ 108,000 |
| Orange County New York | 115 | $ 11,627,000 | $ 101,000 | $ 97,000 |
| Chautauqua County New York | 114 | $ 9,556,000 | $ 83,000 | $ 66,000 |
| Rensselaer County New York | 106 | $ 14,224,000 | $ 134,000 | $ 75,000 |
| Westmoreland County Pennsylvania | 104 | $ 10,625,000 | $ 102,000 | $ 63,000 |
| Bucks County Pennsylvania | 102 | $ 23,925,000 | $ 234,000 | $ 121,000 |
| Lehigh County Pennsylvania | 98 | $ 7,641,000 | $ 77,000 | $ 72,000 |
| Chester County Pennsylvania | 90 | $ 15,830,000 | $ 175,000 | $ 103,000 |
| Middlesex County Connecticut | 84 | $ 18,988,000 | $ 226,000 | $ 103,000 |
| Windham County Connecticut | 83 | $ 9,481,000 | $ 114,000 | $ 83,000 |
| Middlesex County Massachusetts | 73 | $ 47,354,000 | $ 648,000 | $ 233,000 |
| Putnam County New York | 73 | $ 9,039,000 | $ 123,000 | $ 95,000 |
| Dutchess County New York | 70 | $ 12,309,000 | $ 175,000 | $ 112,000 |
| Carbon County Pennsylvania | 70 | $ 3,413,000 | $ 48,000 | $ 54,000 |
| Washington County Pennsylvania | 70 | $ 12,350,000 | $ 176,000 | $ 132,000 |
| Genesee County New York | 68 | $ 6,124,000 | $ 90,000 | $ 69,000 |
| Schenectady County New York | 66 | $ 9,033,000 | $ 136,000 | $ 76,000 |
| Norfolk County Massachusetts | 63 | $ 41,109,000 | $ 652,000 | $ 245,000 |
| Erie County Pennsylvania | 63 | $ 5,050,000 | $ 80,000 | $ 63,000 |
| Fayette County Pennsylvania | 57 | $ 3,849,000 | $ 67,000 | $ 50,000 |
| Northampton County Pennsylvania | 57 | $ 3,367,000 | $ 59,000 | $ 62,000 |
| Jefferson County New York | 53 | $ 3,701,000 | $ 69,000 | $ 80,000 |
| Wayne County New York | 53 | $ 5,572,000 | $ 105,000 | $ 47,000 |
| Hampshire County Massachusetts | 52 | $ 12,109,000 | $ 232,000 | $ 103,000 |
| Cortland County New York | 51 | $ 3,031,000 | $ 59,000 | $ 69,000 |
| Orleans County New York | 49 | $ 3,634,000 | $ 74,000 | $ 61,000 |
| Fulton County New York | 47 | $ 3,655,000 | $ 77,000 | $ 70,000 |
| Berks County Pennsylvania | 43 | $ 5,622,000 | $ 130,000 | $ 73,000 |
| Wyoming County New York | 42 | $ 4,260,000 | $ 101,000 | $ 62,000 |
| St. Lawrence County New York | 41 | $ 3,829,000 | $ 93,000 | $ 67,000 |
| Montgomery County New York | 37 | $ 2,647,000 | $ 71,000 | $ 73,000 |
| Tompkins County New York | 36 | $ 5,421,000 | $ 150,000 | $ 85,000 |
| Crawford County Pennsylvania | 36 | $ 2,147,000 | $ 59,000 | $ 62,000 |
| Sullivan County New York | 32 | $ 1,540,000 | $ 48,000 | $ 76,000 |
| Cattaraugus County New York | 31 | $ 3,156,000 | $ 101,000 | $ 100,000 |
| Warren County New York | 31 | $ 27,367,000 | $ 882,000 | $ 97,000 |
| Ontario County New York | 27 | $ 7,353,000 | $ 272,000 | $ 150,000 |
| Warren County Pennsylvania | 27 | $ 2,207,000 | $ 81,000 | $ 53,000 |
| New London County Connecticut | 25 | $ 6,422,000 | $ 256,000 | $ 155,000 |
| Franklin County New York | 25 | $ 2,094,000 | $ 83,000 | $ 65,000 |
| Suffolk County Massachusetts | 24 | $ 57,472,000 | $ 2,394,000 | $ 359,000 |
| Worcester County Massachusetts | 24 | $ 6,253,000 | $ 260,000 | $ 91,000 |
| Butler County Pennsylvania | 23 | $ 4,249,000 | $ 184,000 | $ 78,000 |
| Essex County Massachusetts | 22 | $ 11,342,000 | $ 515,000 | $ 194,000 |
| Greene County New York | 21 | $ 2,458,000 | $ 117,000 | $ 65,000 |
| Livingston County New York | 20 | $ 2,175,000 | $ 108,000 | $ 92,000 |
| Herkimer County New York | 18 | $ 2,204,000 | $ 122,000 | $ 95,000 |
| Chenango County New York | 17 | $ 1,577,000 | $ 92,000 | $ 55,000 |
| Oswego County New York | 17 | $ 1,487,000 | $ 87,000 | $ 85,000 |
| Monroe County Pennsylvania | 17 | $ 1,306,000 | $ 76,000 | $ 59,000 |
| Beaver County Pennsylvania | 16 | $ 2,081,000 | $ 130,000 | $ 86,000 |
| Delaware County Pennsylvania | 16 | $ 6,599,000 | $ 412,000 | $ 180,000 |
| Tioga County New York | 15 | $ 1,241,000 | $ 82,000 | $ 61,000 |
| Essex County New York | 14 | $ 3,148,000 | $ 224,000 | $ 280,000 |
| Suffolk County New York | 14 | $ 11,830,000 | $ 845,000 | $ 312,000 |
| Litchfield County Connecticut | 13 | $ 4,571,000 | $ 351,000 | $ 125,000 |
| Cape May County New Jersey | 12 | $ 9,848,000 | $ 820,000 | $ 652,000 |
| Lewis County New York | 12 | $ 1,464,000 | $ 122,000 | $ 58,000 |
| Monmouth County New Jersey | 11 | $ 3,034,000 | $ 275,000 | $ 136,000 |
| Ulster County New York | 11 | $ 3,648,000 | $ 331,000 | $ 40,000 |
| Plymouth County Massachusetts | 10 | $ 3,273,000 | $ 327,000 | $ 106,000 |
| Kings County New York | 10 | $ 7,537,000 | $ 753,000 | $ 226,000 |
| Madison County New York | 10 | $ 887,000 | $ 88,000 | $ 69,000 |
| Palm Beach County Florida | 9 | $ 11,935,000 | $ 1,326,000 | $ 574,000 |
| Ocean County New Jersey | 9 | $ 2,098,000 | $ 233,000 | $ 208,000 |
| Schuylkill County Pennsylvania | 9 | $ 855,000 | $ 95,000 | $ 90,000 |
| Washington County New York | 8 | $ 1,267,000 | $ 158,000 | $ 61,000 |
| Barnstable County Massachusetts | 7 | $ 3,437,000 | $ 491,000 | $ 589,000 |
| Schuyler County New York | 7 | $ 1,079,000 | $ 154,000 | $ 129,000 |
| Lancaster County Pennsylvania | 7 | $ 1,151,000 | $ 164,000 | $ 84,000 |
| Providence County Rhode Island | 7 | $ 1,025,000 | $ 146,000 | $ 97,000 |
| Sussex County Delaware | 6 | $ 2,521,000 | $ 420,000 | $ 232,000 |
| Pinellas County Florida | 6 | $ 1,843,000 | $ 307,000 | $ 183,000 |
| Bergen County New Jersey | 6 | $ 2,283,000 | $ 380,000 | $ 67,000 |
| Nassau County New York | 6 | $ 5,845,000 | $ 974,000 | $ 584,000 |
| Queens County New York | 6 | $ 3,019,000 | $ 503,000 | $ 286,000 |
| Lee County Florida | 5 | $ 1,090,000 | $ 218,000 | $ 166,000 |
| Berkshire County Massachusetts | 5 | $ 939,000 | $ 187,000 | $ 82,000 |
| Mercer County New Jersey | 5 | $ 2,269,000 | $ 453,000 | $ 157,000 |
| Morris County New Jersey | 5 | $ 2,073,000 | $ 414,000 | $ 561,000 |
| Allegany County New York | 5 | $ 432,000 | $ 86,000 | $ 88,000 |
| Chemung County New York | 5 | $ 328,000 | $ 65,000 | $ 57,000 |
| New York County New York | 5 | $ 7,771,000 | $ 1,554,000 | $ 739,000 |
| Otsego County New York | 5 | $ 1,040,000 | $ 208,000 | $ 118,000 |
| Seneca County New York | 5 | $ 465,000 | $ 93,000 | $ 83,000 |
| Susquehanna County Pennsylvania | 5 | $ 140,000 | $ 28,000 | $ 62,000 |
| Collier County Florida | 4 | $ 3,922,000 | $ 980,000 | $ 445,000 |
| Burlington County New Jersey | 4 | $ 2,507,000 | $ 626,000 | $ 252,000 |
| Clinton County New York | 4 | $ 241,000 | $ 60,000 | $ 44,000 |
| Delaware County New York | 4 | $ 363,000 | $ 90,000 | $ 100,000 |
| Washington County Rhode Island | 4 | $ 2,297,000 | $ 574,000 | $ 256,000 |
| Miami-Dade County Florida | 3 | $ 2,697,000 | $ 899,000 | $ 727,000 |
| Sarasota County Florida | 3 | $ 990,000 | $ 330,000 | $ 198,000 |
| Nantucket County Massachusetts | 3 | $ 3,425,000 | $ 1,141,000 | $ 551,000 |
| Essex County New Jersey | 3 | $ 762,000 | $ 254,000 | $ 194,000 |
| Hudson County New Jersey | 3 | $ 592,000 | $ 197,000 | $ 144,000 |
| Yates County New York | 3 | $ 603,000 | $ 201,000 | $ 137,000 |
| Franklin County Ohio | 3 | $ 15,494,000 | $ 5,164,000 | $ 0 |
| Mercer County Pennsylvania | 3 | $ 105,000 | $ 35,000 | $ 59,000 |
| New Castle County Delaware | 2 | $ 560,000 | $ 280,000 | $ 144,000 |
| Brevard County Florida | 2 | $ 346,000 | $ 173,000 | $ 108,000 |
| Broward County Florida | 2 | $ 3,302,000 | $ 1,651,000 | $ 1,260,000 |
| Polk County Florida | 2 | $ 360,000 | $ 180,000 | $ 63,000 |
| St. Johns County Florida | 2 | $ 400,000 | $ 200,000 | $ 221,000 |
| Bristol County Massachusetts | 2 | $ 216,000 | $ 108,000 | $ 61,000 |
| Franklin County Massachusetts | 2 | $ 372,000 | $ 186,000 | $ 55,000 |
| Camden County New Jersey | 2 | $ 138,000 | $ 69,000 | $ 31,000 |
| Union County New Jersey | 2 | $ 687,000 | $ 343,000 | $ 212,000 |
| Schoharie County New York | 2 | $ 20,000 | $ 10,000 | $ 104,000 |
| Steuben County New York | 2 | $ 212,000 | $ 106,000 | $ 72,000 |
| Bradford County Pennsylvania | 2 | $ 129,000 | $ 64,000 | $ 49,000 |
| Elk County Pennsylvania | 2 | $ 136,000 | $ 68,000 | $ 115,000 |
| Indiana County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 65,000 |
| Luzerne County Pennsylvania | 2 | $ 163,000 | $ 81,000 | $ 45,000 |
| Pike County Pennsylvania | 2 | $ 242,000 | $ 121,000 | $ 196,000 |
| Venango County Pennsylvania | 2 | $ 236,000 | $ 118,000 | $ 72,000 |
| Wayne County Pennsylvania | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Newport County Rhode Island | 2 | $ 954,000 | $ 477,000 | $ 141,000 |
| Charlotte County Florida | 1 | $ 216,000 | $ 216,000 | $ 348,000 |
| Franklin County Florida | 1 | $ 570,000 | $ 570,000 | $ 179,000 |
| Indian River County Florida | 1 | $ 112,000 | $ 112,000 | $ 108,000 |
| Lake County Florida | 1 | $ 178,000 | $ 178,000 | $ 120,000 |
| Manatee County Florida | 1 | $ 266,000 | $ 266,000 | $ 113,000 |
| Monroe County Florida | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| Orange County Florida | 1 | $ 368,000 | $ 368,000 | $ 81,000 |
| Osceola County Florida | 1 | $ 518,000 | $ 518,000 | $ 614,000 |
| Pasco County Florida | 1 | $ 1,000 | $ 1,000 | $ 48,000 |
| St. Lucie County Florida | 1 | $ 54,000 | $ 54,000 | $ 169,000 |
| Sumter County Florida | 1 | $ 130,000 | $ 130,000 | $ 68,000 |
| Volusia County Florida | 1 | $ 61,000 | $ 61,000 | $ 134,000 |
| Pulaski County Kentucky | 1 | $ 3,000 | $ 3,000 | $ 77,000 |
| Vermilion County Louisiana | 1 | $ 3,000 | $ 3,000 | $ 92,000 |
| Dukes County Massachusetts | 1 | $ 1,050,000 | $ 1,050,000 | $ 126,000 |
| Atlantic County New Jersey | 1 | $ 600,000 | $ 600,000 | $ 396,000 |
| Cumberland County New Jersey | 1 | $ 68,000 | $ 68,000 | $ 120,000 |
| Passaic County New Jersey | 1 | $ 142,000 | $ 142,000 | $ 46,000 |
| Salem County New Jersey | 1 | $ 162,000 | $ 162,000 | $ 185,000 |
| Sussex County New Jersey | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Bronx County New York | 1 | $ 428,000 | $ 428,000 | $ 82,000 |
| Hamilton County New York | 1 | $ 380,000 | $ 380,000 | $ 337,000 |
| Richmond County New York | 1 | $ 670,000 | $ 670,000 | $ 240,000 |
| Medina County Ohio | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Centre County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 120,000 |
| Clearfield County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Columbia County Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 219,000 | $ 219,000 | $ 104,000 |
| Greene County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 42,000 |
| Huntingdon County Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 44,000 |
| Lawrence County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 56,000 |
| McKean County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| York County Pennsylvania | 1 | $ 318,000 | $ 318,000 | $ 130,000 |
| Windham County Vermont | 1 | $ 198,000 | $ 198,000 | $ 153,000 |
| Ohio County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for First Niagara Bank in 2014
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 Purchase | 5,609 | $1,132,709,000 | $201,000 | $15,000,000 | $99,000 | $3,208,000 |
| Refinancing | 2,426 | $710,064,000 | $292,000 | $30,000,000 | $129,000 | $3,000,000 |
| Home Improvement | 2,415 | $81,929,000 | $33,000 | $22,000,000 | $74,000 | $6,300,000 |
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 | 8,378 | $1,401,477,000 | $167,000 | $8,130,000 | $103,000 | $3,208,000 |
| Not Provided | 759 | $142,528,000 | $187,000 | $1,760,000 | $107,000 | $1,100,000 |
| Black or African American | 420 | $49,576,000 | $118,000 | $4,000,000 | $66,000 | $636,000 |
| Hispanic | 341 | $41,433,000 | $121,000 | $3,500,000 | $94,000 | $6,300,000 |
| Asian | 294 | $66,009,000 | $224,000 | $2,325,000 | $116,000 | $1,224,000 |
| Not applicable | 199 | $216,672,000 | $1,088,000 | $30,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 43 | $5,161,000 | $120,000 | $528,000 | $68,000 | $348,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $1,846,000 | $115,000 | $417,000 | $95,000 | $287,000 |
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) | 9,079 | $1,751,962,000 | $192,000 | $30,000,000 | $107,000 | $6,300,000 |
| FHA-insured (Federal Housing Administration) | 1,032 | $125,491,000 | $121,000 | $515,000 | $52,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 178 | $28,259,000 | $158,000 | $417,000 | $66,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 161 | $18,990,000 | $117,000 | $331,000 | $45,000 | $112,000 |
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 | 6,639 | $1,314,644,000 | $198,000 | $30,000,000 | $99,000 | $2,553,000 |
| Application Denied By Financial Institution | 2,092 | $216,429,000 | $103,000 | $4,000,000 | $86,000 | $6,300,000 |
| File Closed For Incompleteness | 677 | $154,868,000 | $228,000 | $8,130,000 | $123,000 | $3,000,000 |
| Application Withdrawn By Applicant | 504 | $140,500,000 | $278,000 | $2,325,000 | $133,000 | $2,040,000 |
| Application Approved But Not Accepted | 392 | $76,040,000 | $193,000 | $2,175,000 | $132,000 | $2,246,000 |
| Preapproval Denied by Financial Institution | 79 | $13,526,000 | $171,000 | $1,433,000 | $51,000 | $210,000 |
| Loan Purchased By The Institution | 67 | $8,695,000 | $129,000 | $371,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 954 | $37,599,000 | $39,000 | $754,000 | $76,000 | $1,996,000 |
| Debt-To-Income Ratio | 587 | $64,591,000 | $110,000 | $1,800,000 | $60,000 | $413,000 |
| Collateral | 313 | $83,124,000 | $265,000 | $4,000,000 | $162,000 | $6,300,000 |
| Other | 215 | $27,369,000 | $127,000 | $4,000,000 | $86,000 | $636,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 34 | $6,242,000 | $183,000 | $564,000 | $61,000 | $204,000 |
| Unverifiable Information | 33 | $6,003,000 | $181,000 | $1,000,000 | $98,000 | $396,000 |
| Mortgage Insurance Denied | 16 | $1,427,000 | $89,000 | $247,000 | $43,000 | $100,000 |
| Employment History | 13 | $3,051,000 | $234,000 | $1,721,000 | $78,000 | $379,000 |
| Credit Application Incomplete | 6 | $549,000 | $91,000 | $175,000 | $102,000 | $260,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank's 2014 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.