First Niagara Bank
Mortgage Loan Application
Totals and Details
for 2016
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for First Niagara Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| 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 | 8,505 |
| Total Mortgage Loan Application Amount | $1,883,212,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $24,800,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $7,081,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 2,316 | $ 352,273,000 | $ 152,000 | $ 85,000 |
| ROCHESTER, NY | 659 | $ 80,678,000 | $ 122,000 | $ 72,000 |
| PITTSBURGH, PA | 577 | $ 82,132,000 | $ 142,000 | $ 106,000 |
| NEW HAVEN-MILFORD, CT | 483 | $ 106,535,000 | $ 220,000 | $ 94,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 469 | $ 93,440,000 | $ 199,000 | $ 109,000 |
| ALBANY-SCHENECTADY-TROY, NY | 435 | $ 102,665,000 | $ 236,000 | $ 113,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 392 | $ 302,668,000 | $ 772,000 | $ 316,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 364 | $ 86,128,000 | $ 236,000 | $ 129,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 346 | $ 175,170,000 | $ 425,000 | $ 238,000 |
| SPRINGFIELD, MA | 295 | $ 54,003,000 | $ 183,000 | $ 82,000 |
| UTICA-ROME, NY | 235 | $ 27,346,000 | $ 116,000 | $ 73,000 |
| SYRACUSE, NY | 136 | $ 13,812,000 | $ 101,000 | $ 86,000 |
| PHILADELPHIA, PA | 111 | $ 36,674,000 | $ 330,000 | $ 185,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 93 | $ 58,282,000 | $ 626,000 | $ 232,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 92 | $ 12,944,000 | $ 140,000 | $ 94,000 |
| BINGHAMTON, NY | 77 | $ 6,544,000 | $ 84,000 | $ 65,000 |
| BOSTON, MA | 72 | $ 44,028,000 | $ 611,000 | $ 250,000 |
| ERIE, PA | 72 | $ 9,726,000 | $ 135,000 | $ 98,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 71 | $ 16,406,000 | $ 231,000 | $ 117,000 |
| WORCESTER, MA-CT | 65 | $ 11,365,000 | $ 189,500 | $ 75,500 |
| WATERTOWN-FORT DRUM, NY | 52 | $ 5,048,000 | $ 97,000 | $ 74,000 |
| ITHACA, NY | 30 | $ 6,245,000 | $ 208,000 | $ 117,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 30 | $ 16,265,000 | $ 542,000 | $ 303,000 |
| NORWICH-NEW LONDON, CT | 26 | $ 5,992,000 | $ 230,000 | $ 91,000 |
| READING, PA | 26 | $ 3,931,000 | $ 151,000 | $ 91,000 |
| GLENS FALLS, NY | 17 | $ 5,180,000 | $ 304,000 | $ 260,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 13 | $ 5,142,000 | $ 395,000 | $ 553,000 |
| PROVIDENCE-WARWICK, RI-MA | 12 | $ 3,770,000 | $ 334,000 | $ 145,500 |
| KINGSTON, NY | 11 | $ 1,439,000 | $ 130,000 | $ 68,000 |
| NEWARK, NJ-PA | 9 | $ 2,760,000 | $ 228,500 | $ 135,500 |
| BARNSTABLE TOWN, MA | 8 | $ 3,760,000 | $ 470,000 | $ 256,000 |
| OCEAN CITY, NJ | 8 | $ 5,519,000 | $ 689,000 | $ 413,000 |
| EAST STROUDSBURG, PA | 7 | $ 937,000 | $ 133,000 | $ 93,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 7 | $ 2,417,000 | $ 345,000 | $ 214,000 |
| SALISBURY, MD-DE | 7 | $ 4,760,000 | $ 680,000 | $ 280,000 |
| LANCASTER, PA | 6 | $ 1,122,000 | $ 187,000 | $ 91,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 1,054,000 | $ 175,000 | $ 147,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 6 | $ 934,000 | $ 155,000 | $ 151,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 2,511,000 | $ 502,000 | $ 294,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 4 | $ 1,358,000 | $ 339,000 | $ 199,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 4 | $ 705,000 | $ 176,000 | $ 95,000 |
| ELMIRA, NY | 4 | $ 725,000 | $ 181,000 | $ 116,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 4 | $ 852,000 | $ 213,000 | $ 128,000 |
| SEBASTIAN-VERO BEACH, FL | 4 | $ 745,000 | $ 186,000 | $ 262,000 |
| CAMDEN, NJ | 3 | $ 1,653,000 | $ 551,000 | $ 144,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 461,000 | $ 153,000 | $ 88,000 |
| JOHNSTOWN, PA | 3 | $ 225,000 | $ 75,000 | $ 72,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 3 | $ 11,291,000 | $ 3,763,000 | $ 112,000 |
| STATE COLLEGE, PA | 3 | $ 342,000 | $ 114,000 | $ 61,000 |
| YORK-HANOVER, PA | 3 | $ 302,000 | $ 100,000 | $ 56,000 |
| HARRISBURG-CARLISLE, PA | 2 | $ 605,000 | $ 302,000 | $ 181,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| MORGANTOWN, WV | 2 | $ 243,000 | $ 121,000 | $ 54,000 |
| PITTSFIELD, MA | 2 | $ 330,000 | $ 165,000 | $ 109,000 |
| ALTOONA, PA | 1 | $ 71,000 | $ 71,000 | $ 20,000 |
| GETTYSBURG, PA | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| HOMOSASSA SPRINGS, FL | 1 | $ 194,000 | $ 194,000 | $ 91,000 |
| JACKSONVILLE, FL | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 90,000 | $ 90,000 | $ 133,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $ 216,000 | $ 216,000 | $ 523,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 294,000 | $ 294,000 | $ 185,000 |
| PORT ST. LUCIE, FL | 1 | $ 260,000 | $ 260,000 | $ 190,000 |
| THE VILLAGES, FL | 1 | $ 177,000 | $ 177,000 | $ 83,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| WILMINGTON, DE-MD-NJ | 1 | $ 228,000 | $ 228,000 | $ 256,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for First Niagara Bank in 2016
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 | 4,991 | $1,063,745,000 | $213,000 | $24,219,000 | $103,000 | $3,672,000 |
| Refinancing | 2,711 | $773,688,000 | $285,000 | $24,800,000 | $148,000 | $7,081,000 |
| Home Improvement | 803 | $45,779,000 | $57,000 | $2,675,000 | $79,000 | $519,000 |
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 | 6,473 | $1,374,132,000 | $212,000 | $4,550,000 | $119,000 | $7,081,000 |
| Not Provided | 872 | $168,326,000 | $193,000 | $1,800,000 | $118,000 | $1,378,000 |
| Black or African American | 373 | $46,497,000 | $124,000 | $1,320,000 | $72,000 | $690,000 |
| Asian | 362 | $89,541,000 | $247,000 | $2,275,000 | $133,000 | $1,885,000 |
| Hispanic | 312 | $45,474,000 | $145,000 | $1,350,000 | $77,000 | $1,227,000 |
| Not applicable | 63 | $152,141,000 | $2,414,000 | $24,800,000 | $0 | $0 |
| American Indian or Alaskan Native | 35 | $5,721,000 | $163,000 | $664,000 | $90,000 | $333,000 |
| Native Hawaiin or Other Pacific Islander | 15 | $1,380,000 | $92,000 | $149,000 | $97,000 | $419,000 |
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) | 7,426 | $1,743,203,000 | $234,000 | $24,800,000 | $124,000 | $7,081,000 |
| FHA-insured (Federal Housing Administration) | 877 | $110,633,000 | $126,000 | $638,000 | $53,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 136 | $22,106,000 | $162,000 | $417,000 | $70,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $7,270,000 | $110,000 | $221,000 | $47,000 | $95,000 |
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 | 5,888 | $1,340,208,000 | $227,000 | $24,800,000 | $114,000 | $3,715,000 |
| Application Denied By Financial Institution | 1,163 | $188,145,000 | $161,000 | $3,600,000 | $89,000 | $1,885,000 |
| File Closed For Incompleteness | 768 | $183,549,000 | $238,000 | $2,240,000 | $141,000 | $2,278,000 |
| Application Withdrawn By Applicant | 341 | $92,177,000 | $270,000 | $1,925,000 | $148,000 | $7,081,000 |
| Application Approved But Not Accepted | 310 | $71,405,000 | $230,000 | $1,776,000 | $126,000 | $1,523,000 |
| Preapproval Denied by Financial Institution | 30 | $7,191,000 | $239,000 | $2,450,000 | $126,000 | $2,300,000 |
| Loan Purchased By The Institution | 5 | $537,000 | $107,000 | $177,000 | $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 | 378 | $101,558,000 | $268,000 | $3,600,000 | $134,000 | $1,885,000 |
| Debt-To-Income Ratio | 366 | $46,260,000 | $126,000 | $1,950,000 | $53,000 | $499,000 |
| Credit History | 289 | $20,426,000 | $70,000 | $2,450,000 | $88,000 | $2,300,000 |
| Other | 94 | $16,671,000 | $177,000 | $3,000,000 | $80,000 | $1,026,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $5,040,000 | $201,000 | $1,108,000 | $93,000 | $782,000 |
| Employment History | 16 | $2,333,000 | $145,000 | $360,000 | $43,000 | $185,000 |
| Mortgage Insurance Denied | 10 | $1,292,000 | $129,000 | $417,000 | $61,000 | $232,000 |
| Credit Application Incomplete | 9 | $1,046,000 | $116,000 | $232,000 | $54,000 | $106,000 |
| Unverifiable Information | 6 | $710,000 | $118,000 | $260,000 | $69,000 | $140,000 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New York, and search similar information at your convenience.