First Niagara Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
First Niagara Bank 2015 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 | 10,189 |
| Total Mortgage Loan Application Amount | $2,272,420,000 |
| Average Mortgage Loan Application Amount | $193,000 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $105,333 |
| Highest Applicant Income | $5,228,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 2,383 | $ 368,958,000 | $ 154,000 | $ 86,000 |
| Niagara County New York | 671 | $ 82,812,000 | $ 123,000 | $ 72,000 |
| Monroe County New York | 568 | $ 67,334,000 | $ 118,000 | $ 68,000 |
| New Haven County Connecticut | 454 | $ 85,062,000 | $ 187,000 | $ 104,000 |
| Fairfield County Connecticut | 453 | $ 374,490,000 | $ 826,000 | $ 311,000 |
| Allegheny County Pennsylvania | 413 | $ 75,772,000 | $ 183,000 | $ 109,000 |
| Montgomery County Pennsylvania | 285 | $ 58,133,000 | $ 203,000 | $ 114,000 |
| Hartford County Connecticut | 274 | $ 52,057,000 | $ 189,000 | $ 104,000 |
| Hampden County Massachusetts | 271 | $ 44,275,000 | $ 163,000 | $ 77,000 |
| Oneida County New York | 252 | $ 25,643,000 | $ 101,000 | $ 71,000 |
| Albany County New York | 208 | $ 61,948,000 | $ 297,000 | $ 107,000 |
| Onondaga County New York | 175 | $ 48,277,000 | $ 275,000 | $ 98,000 |
| Saratoga County New York | 165 | $ 59,271,000 | $ 359,000 | $ 111,000 |
| Tolland County Connecticut | 155 | $ 26,628,000 | $ 171,000 | $ 99,000 |
| Chautauqua County New York | 126 | $ 11,914,000 | $ 94,000 | $ 75,000 |
| Rockland County New York | 120 | $ 30,536,000 | $ 254,000 | $ 105,000 |
| Westmoreland County Pennsylvania | 110 | $ 14,242,000 | $ 129,000 | $ 68,000 |
| Columbia County New York | 107 | $ 25,617,000 | $ 239,000 | $ 125,000 |
| Chester County Pennsylvania | 107 | $ 28,425,000 | $ 265,000 | $ 112,000 |
| Rensselaer County New York | 106 | $ 37,275,000 | $ 351,000 | $ 112,000 |
| Westchester County New York | 89 | $ 44,013,000 | $ 494,000 | $ 215,000 |
| Broome County New York | 86 | $ 7,795,000 | $ 90,000 | $ 54,000 |
| Washington County Pennsylvania | 85 | $ 18,195,000 | $ 214,000 | $ 133,000 |
| Middlesex County Massachusetts | 83 | $ 52,537,000 | $ 632,000 | $ 230,000 |
| Orange County New York | 79 | $ 14,383,000 | $ 182,000 | $ 108,000 |
| Genesee County New York | 78 | $ 7,291,000 | $ 93,000 | $ 64,000 |
| Schenectady County New York | 78 | $ 41,985,000 | $ 538,000 | $ 96,000 |
| Middlesex County Connecticut | 77 | $ 25,934,000 | $ 336,000 | $ 157,000 |
| Bucks County Pennsylvania | 76 | $ 22,496,000 | $ 296,000 | $ 134,000 |
| Philadelphia County Pennsylvania | 74 | $ 13,186,000 | $ 178,000 | $ 195,000 |
| St. Lawrence County New York | 71 | $ 6,398,000 | $ 90,000 | $ 84,000 |
| Windham County Connecticut | 70 | $ 10,881,000 | $ 155,000 | $ 77,000 |
| Cayuga County New York | 67 | $ 8,675,000 | $ 129,000 | $ 71,000 |
| Fulton County New York | 63 | $ 5,415,000 | $ 85,000 | $ 76,000 |
| Norfolk County Massachusetts | 61 | $ 32,421,000 | $ 531,000 | $ 243,000 |
| Orleans County New York | 61 | $ 4,135,000 | $ 67,000 | $ 55,000 |
| Cortland County New York | 57 | $ 5,776,000 | $ 101,000 | $ 78,000 |
| Franklin County New York | 53 | $ 5,376,000 | $ 101,000 | $ 101,000 |
| Montgomery County New York | 53 | $ 3,417,000 | $ 64,000 | $ 67,000 |
| Suffolk County Massachusetts | 52 | $ 26,803,000 | $ 515,000 | $ 202,000 |
| Jefferson County New York | 52 | $ 3,386,000 | $ 65,000 | $ 70,000 |
| Erie County Pennsylvania | 52 | $ 9,699,000 | $ 186,000 | $ 80,000 |
| Lehigh County Pennsylvania | 51 | $ 6,975,000 | $ 136,000 | $ 71,000 |
| Dutchess County New York | 44 | $ 9,572,000 | $ 217,000 | $ 107,000 |
| Wyoming County New York | 40 | $ 5,175,000 | $ 129,000 | $ 56,000 |
| New London County Connecticut | 35 | $ 8,460,000 | $ 241,000 | $ 147,000 |
| Ontario County New York | 33 | $ 11,595,000 | $ 351,000 | $ 118,000 |
| Carbon County Pennsylvania | 32 | $ 3,101,000 | $ 96,000 | $ 60,000 |
| Tompkins County New York | 31 | $ 6,344,000 | $ 204,000 | $ 90,000 |
| Delaware County Pennsylvania | 31 | $ 9,126,000 | $ 294,000 | $ 107,000 |
| Greene County New York | 30 | $ 6,199,000 | $ 206,000 | $ 133,000 |
| Warren County New York | 30 | $ 10,167,000 | $ 338,000 | $ 139,000 |
| Berks County Pennsylvania | 30 | $ 3,454,000 | $ 115,000 | $ 66,000 |
| Wayne County New York | 29 | $ 3,508,000 | $ 120,000 | $ 65,000 |
| Herkimer County New York | 27 | $ 3,332,000 | $ 123,000 | $ 94,000 |
| Sullivan County New York | 26 | $ 2,787,000 | $ 107,000 | $ 67,000 |
| Fayette County Pennsylvania | 26 | $ 2,876,000 | $ 110,000 | $ 55,000 |
| Cattaraugus County New York | 25 | $ 4,365,000 | $ 174,000 | $ 295,000 |
| Hampshire County Massachusetts | 24 | $ 5,011,000 | $ 208,000 | $ 94,000 |
| Northampton County Pennsylvania | 24 | $ 2,858,000 | $ 119,000 | $ 65,000 |
| Butler County Pennsylvania | 22 | $ 3,767,000 | $ 171,000 | $ 85,000 |
| Crawford County Pennsylvania | 22 | $ 1,638,000 | $ 74,000 | $ 64,000 |
| Warren County Pennsylvania | 20 | $ 3,101,000 | $ 155,000 | $ 60,000 |
| Worcester County Massachusetts | 19 | $ 4,945,000 | $ 260,000 | $ 79,000 |
| Plymouth County Massachusetts | 18 | $ 5,178,000 | $ 287,000 | $ 131,000 |
| Livingston County New York | 18 | $ 2,624,000 | $ 145,000 | $ 78,000 |
| Lee County Florida | 17 | $ 6,767,000 | $ 398,000 | $ 401,000 |
| Palm Beach County Florida | 15 | $ 7,355,000 | $ 490,000 | $ 578,000 |
| Essex County New York | 14 | $ 3,557,000 | $ 254,000 | $ 159,000 |
| Kings County New York | 14 | $ 9,934,000 | $ 709,000 | $ 200,000 |
| Madison County New York | 14 | $ 2,383,000 | $ 170,000 | $ 84,000 |
| Litchfield County Connecticut | 13 | $ 7,962,000 | $ 612,000 | $ 212,000 |
| Collier County Florida | 13 | $ 3,303,000 | $ 254,000 | $ 306,000 |
| Barnstable County Massachusetts | 13 | $ 6,414,000 | $ 493,000 | $ 308,000 |
| Essex County Massachusetts | 13 | $ 8,115,000 | $ 624,000 | $ 251,000 |
| Lewis County New York | 12 | $ 1,660,000 | $ 138,000 | $ 88,000 |
| Oswego County New York | 12 | $ 1,048,000 | $ 87,000 | $ 74,000 |
| Ulster County New York | 12 | $ 1,107,000 | $ 92,000 | $ 86,000 |
| Beaver County Pennsylvania | 12 | $ 2,474,000 | $ 206,000 | $ 140,000 |
| Monroe County Pennsylvania | 12 | $ 1,337,000 | $ 111,000 | $ 50,000 |
| Cape May County New Jersey | 11 | $ 7,390,000 | $ 671,000 | $ 408,000 |
| Chenango County New York | 10 | $ 3,049,000 | $ 304,000 | $ 38,000 |
| Washington County New York | 10 | $ 1,287,000 | $ 128,000 | $ 75,000 |
| Washington County Rhode Island | 10 | $ 4,437,000 | $ 443,000 | $ 449,000 |
| Bristol County Massachusetts | 9 | $ 2,328,000 | $ 258,000 | $ 83,000 |
| Nassau County New York | 9 | $ 7,214,000 | $ 801,000 | $ 355,000 |
| New York County New York | 9 | $ 9,124,000 | $ 1,013,000 | $ 333,000 |
| Queens County New York | 9 | $ 5,154,000 | $ 572,000 | $ 894,000 |
| Tioga County New York | 9 | $ 701,000 | $ 77,000 | $ 49,000 |
| Sussex County Delaware | 8 | $ 2,468,000 | $ 308,000 | $ 150,000 |
| Bergen County New Jersey | 8 | $ 2,883,000 | $ 360,000 | $ 133,000 |
| Putnam County New York | 8 | $ 2,023,000 | $ 252,000 | $ 95,000 |
| Suffolk County New York | 8 | $ 5,081,000 | $ 635,000 | $ 247,000 |
| Camden County New Jersey | 7 | $ 1,391,000 | $ 198,000 | $ 123,000 |
| Bronx County New York | 7 | $ 1,999,000 | $ 285,000 | $ 110,000 |
| Otsego County New York | 7 | $ 887,000 | $ 126,000 | $ 90,000 |
| Monongalia County West Virginia | 7 | $ 2,073,000 | $ 296,000 | $ 89,000 |
| Broward County Florida | 6 | $ 2,038,000 | $ 339,000 | $ 194,000 |
| Franklin County Massachusetts | 6 | $ 1,117,000 | $ 186,000 | $ 54,000 |
| Atlantic County New Jersey | 6 | $ 6,420,000 | $ 1,070,000 | $ 266,000 |
| Allegany County New York | 6 | $ 560,000 | $ 93,000 | $ 70,000 |
| Hamilton County New York | 6 | $ 1,145,000 | $ 190,000 | $ 159,000 |
| Schoharie County New York | 6 | $ 824,000 | $ 137,000 | $ 102,000 |
| Volusia County Florida | 5 | $ 963,000 | $ 192,000 | $ 75,000 |
| Dukes County Massachusetts | 5 | $ 2,238,000 | $ 447,000 | $ 516,000 |
| Nantucket County Massachusetts | 5 | $ 4,876,000 | $ 975,000 | $ 345,000 |
| Essex County New Jersey | 5 | $ 1,341,000 | $ 268,000 | $ 154,000 |
| Luzerne County Pennsylvania | 5 | $ 412,000 | $ 82,000 | $ 79,000 |
| New Castle County Delaware | 4 | $ 487,000 | $ 121,000 | $ 159,000 |
| Brevard County Florida | 4 | $ 465,000 | $ 116,000 | $ 108,000 |
| Monroe County Florida | 4 | $ 2,505,000 | $ 626,000 | $ 818,000 |
| Pinellas County Florida | 4 | $ 528,000 | $ 132,000 | $ 103,000 |
| Berkshire County Massachusetts | 4 | $ 1,421,000 | $ 355,000 | $ 143,000 |
| Burlington County New Jersey | 4 | $ 943,000 | $ 235,000 | $ 206,000 |
| Monmouth County New Jersey | 4 | $ 1,372,000 | $ 343,000 | $ 148,000 |
| Steuben County New York | 4 | $ 499,000 | $ 124,000 | $ 66,000 |
| Bradford County Pennsylvania | 4 | $ 170,000 | $ 42,000 | $ 28,000 |
| Schuylkill County Pennsylvania | 4 | $ 363,000 | $ 90,000 | $ 57,000 |
| Somerset County Pennsylvania | 4 | $ 410,000 | $ 102,000 | $ 151,000 |
| Manatee County Florida | 3 | $ 718,000 | $ 239,000 | $ 80,000 |
| Miami-Dade County Florida | 3 | $ 2,105,000 | $ 701,000 | $ 313,000 |
| St. Johns County Florida | 3 | $ 560,000 | $ 186,000 | $ 179,000 |
| Hudson County New Jersey | 3 | $ 389,000 | $ 129,000 | $ 71,000 |
| Ocean County New Jersey | 3 | $ 1,113,000 | $ 371,000 | $ 250,000 |
| Chemung County New York | 3 | $ 138,000 | $ 46,000 | $ 56,000 |
| Richmond County New York | 3 | $ 800,000 | $ 266,000 | $ 56,000 |
| Seneca County New York | 3 | $ 430,000 | $ 143,000 | $ 184,000 |
| Yates County New York | 3 | $ 1,096,000 | $ 365,000 | $ 335,000 |
| Lackawanna County Pennsylvania | 3 | $ 419,000 | $ 139,000 | $ 40,000 |
| Wayne County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 61,000 |
| Providence County Rhode Island | 3 | $ 695,000 | $ 231,000 | $ 83,000 |
| Flagler County Florida | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Hillsborough County Florida | 2 | $ 441,000 | $ 220,000 | $ 96,000 |
| Martin County Florida | 2 | $ 1,533,000 | $ 766,000 | $ 485,000 |
| Sarasota County Florida | 2 | $ 351,000 | $ 175,000 | $ 159,000 |
| Gloucester County New Jersey | 2 | $ 407,000 | $ 203,000 | $ 63,000 |
| Mercer County New Jersey | 2 | $ 192,000 | $ 96,000 | $ 124,000 |
| Clinton County New York | 2 | $ 464,000 | $ 232,000 | $ 89,000 |
| Delaware County New York | 2 | $ 155,000 | $ 77,000 | $ 26,000 |
| Schuyler County New York | 2 | $ 666,000 | $ 333,000 | $ 86,000 |
| Centre County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Greene County Pennsylvania | 2 | $ 268,000 | $ 134,000 | $ 66,000 |
| Pike County Pennsylvania | 2 | $ 198,000 | $ 99,000 | $ 97,000 |
| York County Pennsylvania | 2 | $ 211,000 | $ 105,000 | $ 125,000 |
| Charlotte County Florida | 1 | $ 170,000 | $ 170,000 | $ 176,000 |
| Lake County Florida | 1 | $ 142,000 | $ 142,000 | $ 91,000 |
| Okaloosa County Florida | 1 | $ 205,000 | $ 205,000 | $ 212,000 |
| Orange County Florida | 1 | $ 1,100,000 | $ 1,100,000 | $ 996,000 |
| Osceola County Florida | 1 | $ 216,000 | $ 216,000 | $ 273,000 |
| Polk County Florida | 1 | $ 141,000 | $ 141,000 | $ 343,000 |
| St. Lucie County Florida | 1 | $ 172,000 | $ 172,000 | $ 65,000 |
| Walton County Florida | 1 | $ 160,000 | $ 160,000 | $ 178,000 |
| Cumberland County New Jersey | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Middlesex County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 132,000 |
| Morris County New Jersey | 1 | $ 1,680,000 | $ 1,680,000 | $ 1,677,000 |
| Passaic County New Jersey | 1 | $ 20,000 | $ 20,000 | $ 102,000 |
| Sussex County New Jersey | 1 | $ 568,000 | $ 568,000 | $ 164,000 |
| Union County New Jersey | 1 | $ 176,000 | $ 176,000 | $ 276,000 |
| Creek County Oklahoma | 1 | $ 11,500,000 | $ 11,500,000 | $ 0 |
| Armstrong County Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 108,000 |
| Cambria County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 130,000 |
| Clarion County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 80,000 |
| Columbia County Pennsylvania | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
| Forest County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Lancaster County Pennsylvania | 1 | $ 278,000 | $ 278,000 | $ 126,000 |
| Lawrence County Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 85,000 |
| Bristol County Rhode Island | 1 | $ 500,000 | $ 500,000 | $ 162,000 |
| Hardy County West Virginia | 1 | $ 218,000 | $ 218,000 | $ 89,000 |
| Harrison County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Jefferson County West Virginia | 1 | $ 374,000 | $ 374,000 | $ 134,000 |
| Marion County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Preston County West Virginia | 1 | $ 49,000 | $ 49,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for First Niagara Bank in 2015
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 | 5,676 | $1,232,986,000 | $217,000 | $22,112,000 | $106,000 | $5,228,000 |
| Refinancing | 3,134 | $962,681,000 | $307,000 | $25,000,000 | $134,000 | $4,469,000 |
| Home Improvement | 1,379 | $76,753,000 | $55,000 | $11,045,000 | $76,000 | $4,206,000 |
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 | 8,131 | $1,646,448,000 | $202,000 | $4,874,000 | $115,000 | $5,228,000 |
| Not Provided | 819 | $165,869,000 | $202,000 | $2,372,000 | $110,000 | $1,677,000 |
| Black or African American | 499 | $64,093,000 | $128,000 | $1,000,000 | $76,000 | $4,206,000 |
| Asian | 285 | $66,124,000 | $232,000 | $2,795,000 | $119,000 | $1,685,000 |
| Hispanic | 280 | $40,831,000 | $145,000 | $1,663,000 | $87,000 | $1,056,000 |
| Not applicable | 121 | $281,711,000 | $2,328,000 | $25,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 38 | $4,289,000 | $112,000 | $390,000 | $93,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,055,000 | $190,000 | $680,000 | $76,000 | $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) | 8,810 | $2,083,758,000 | $236,000 | $25,000,000 | $119,000 | $5,228,000 |
| FHA-insured (Federal Housing Administration) | 1,070 | $142,039,000 | $132,000 | $1,058,000 | $56,000 | $285,000 |
| VA-guaranteed (Veterans Administration) | 216 | $35,111,000 | $162,000 | $450,000 | $68,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 93 | $11,512,000 | $123,000 | $306,000 | $53,000 | $123,000 |
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 | 6,607 | $1,585,569,000 | $239,000 | $25,000,000 | $109,000 | $5,228,000 |
| Application Denied By Financial Institution | 1,704 | $215,708,000 | $126,000 | $2,650,000 | $86,000 | $4,469,000 |
| File Closed For Incompleteness | 991 | $239,114,000 | $241,000 | $2,465,000 | $132,000 | $2,022,000 |
| Application Withdrawn By Applicant | 521 | $153,425,000 | $294,000 | $4,874,000 | $158,000 | $2,250,000 |
| Application Approved But Not Accepted | 307 | $68,351,000 | $222,000 | $3,100,000 | $133,000 | $3,290,000 |
| Preapproval Denied by Financial Institution | 50 | $8,643,000 | $172,000 | $545,000 | $56,000 | $180,000 |
| Loan Purchased By The Institution | 9 | $1,610,000 | $178,000 | $319,000 | $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 | 652 | $30,670,000 | $47,000 | $659,000 | $73,000 | $635,000 |
| Collateral | 432 | $96,361,000 | $223,000 | $2,650,000 | $115,000 | $1,159,000 |
| Debt-To-Income Ratio | 415 | $56,808,000 | $136,000 | $1,780,000 | $57,000 | $541,000 |
| Other | 125 | $18,409,000 | $147,000 | $900,000 | $153,000 | $4,469,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 46 | $10,681,000 | $232,000 | $1,316,000 | $60,000 | $397,000 |
| Unverifiable Information | 40 | $3,132,000 | $78,000 | $400,000 | $82,000 | $295,000 |
| Employment History | 36 | $6,692,000 | $185,000 | $700,000 | $75,000 | $701,000 |
| Credit Application Incomplete | 4 | $1,280,000 | $320,000 | $920,000 | $119,000 | $398,000 |
| Mortgage Insurance Denied | 4 | $318,000 | $79,000 | $145,000 | $41,000 | $55,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank's 2015 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.