Five Star Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Five Star Bank 2018 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 | Five Star Bank 55 North Main St Warsaw, NY 14569 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,575 |
| Total Mortgage Loan Application Amount | $233,875,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $7,145,000 |
| Average Applicant Income | $80,200 |
| Highest Applicant Income | $2,386,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Five Star 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 Five Star Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Five Star 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 Five Star Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Five Star 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 Five Star Bank's mortgage activity for 2018.
| 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 | 559 | $ 104,095,000 | $ 186,000 | $ 85,000 |
| Monroe County New York | 256 | $ 35,350,000 | $ 138,000 | $ 57,000 |
| Wyoming County New York | 109 | $ 10,095,000 | $ 92,000 | $ 67,000 |
| Steuben County New York | 81 | $ 11,675,000 | $ 144,000 | $ 74,000 |
| Genesee County New York | 77 | $ 7,285,000 | $ 94,000 | $ 65,000 |
| Ontario County New York | 73 | $ 9,015,000 | $ 123,000 | $ 74,000 |
| Cattaraugus County New York | 70 | $ 5,980,000 | $ 85,000 | $ 78,000 |
| Livingston County New York | 69 | $ 7,045,000 | $ 102,000 | $ 74,000 |
| Niagara County New York | 67 | $ 19,265,000 | $ 287,000 | $ 88,000 |
| Chemung County New York | 34 | $ 3,050,000 | $ 89,000 | $ 77,000 |
| Seneca County New York | 28 | $ 2,400,000 | $ 85,000 | $ 66,000 |
| Allegany County New York | 27 | $ 3,405,000 | $ 126,000 | $ 59,000 |
| Orleans County New York | 27 | $ 2,125,000 | $ 78,000 | $ 51,000 |
| Yates County New York | 26 | $ 3,120,000 | $ 120,000 | $ 84,000 |
| Chautauqua County New York | 17 | $ 1,825,000 | $ 107,000 | $ 74,000 |
| Wayne County New York | 10 | $ 1,230,000 | $ 123,000 | $ 72,000 |
| Schuyler County New York | 6 | $ 420,000 | $ 70,000 | $ 53,000 |
| Cayuga County New York | 5 | $ 555,000 | $ 111,000 | $ 126,000 |
| Onondaga County New York | 5 | $ 415,000 | $ 83,000 | $ 74,000 |
| New Haven County Connecticut | 1 | $ 1,485,000 | $ 1,485,000 | $ 2,386,000 |
| Broome County New York | 1 | $ 305,000 | $ 305,000 | $ 141,000 |
| Herkimer County New York | 1 | $ 195,000 | $ 195,000 | $ 355,000 |
| Madison County New York | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Tompkins County New York | 1 | $ 395,000 | $ 395,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Five Star Bank in 2018
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 | 1,045 | $156,865,000 | $150,000 | $7,145,000 | $72,000 | $757,000 |
| Refinancing | 311 | $53,805,000 | $173,000 | $2,885,000 | $87,000 | $2,386,000 |
| Cash-out Refinancing | 80 | $9,760,000 | $122,000 | $395,000 | $78,000 | $200,000 |
| Home Improvement | 73 | $8,385,000 | $114,000 | $5,025,000 | $66,000 | $170,000 |
| Other Purpose | 66 | $5,060,000 | $76,000 | $605,000 | $98,000 | $778,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,236 | $164,690,000 | $133,000 | $1,485,000 | $81,000 | $2,386,000 |
| Hispanic | 110 | $9,780,000 | $88,000 | $245,000 | $43,000 | $165,000 |
| Black or African American | 77 | $8,035,000 | $104,000 | $335,000 | $49,000 | $210,000 |
| Asian | 75 | $9,505,000 | $126,000 | $745,000 | $56,000 | $508,000 |
| Not applicable | 38 | $36,670,000 | $965,000 | $7,145,000 | $0 | $0 |
| Not Provided | 32 | $4,610,000 | $144,000 | $505,000 | $136,000 | $778,000 |
| American Indian or Alaskan Native | 5 | $365,000 | $73,000 | $115,000 | $49,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,498 | $222,940,000 | $148,000 | $7,145,000 | $76,000 | $2,386,000 |
| FHA-insured (Federal Housing Administration) | 69 | $9,985,000 | $144,000 | $285,000 | $77,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $520,000 | $130,000 | $155,000 | $63,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 4 | $430,000 | $107,000 | $145,000 | $58,000 | $104,000 |
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 | 1,207 | $184,535,000 | $152,000 | $7,145,000 | $76,000 | $778,000 |
| Application Denied By Financial Institution | 180 | $18,950,000 | $105,000 | $605,000 | $57,000 | $265,000 |
| Application Withdrawn By Applicant | 109 | $16,365,000 | $150,000 | $1,485,000 | $97,000 | $2,386,000 |
| Application Approved But Not Accepted | 23 | $4,325,000 | $188,000 | $965,000 | $98,000 | $450,000 |
| Loan Purchased By The Institution | 21 | $5,895,000 | $280,000 | $745,000 | $152,000 | $380,000 |
| Preapproval Denied by Financial Institution | 15 | $2,305,000 | $153,000 | $455,000 | $47,000 | $134,000 |
| File Closed For Incompleteness | 11 | $795,000 | $72,000 | $125,000 | $79,000 | $181,000 |
| Preapproval Approved but not Accepted | 9 | $705,000 | $78,000 | $115,000 | $33,000 | $76,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,380 | $212,620,000 | $154,000 | $7,145,000 | $79,000 | $2,386,000 |
| Debt-To-Income Ratio | 63 | $7,335,000 | $116,000 | $455,000 | $45,000 | $134,000 |
| Credit History | 56 | $5,560,000 | $99,000 | $355,000 | $63,000 | $179,000 |
| Collateral | 39 | $4,435,000 | $113,000 | $605,000 | $67,000 | $265,000 |
| Other | 23 | $2,455,000 | $106,000 | $165,000 | $55,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $690,000 | $115,000 | $245,000 | $53,000 | $87,000 |
| Unverifiable Information | 4 | $350,000 | $87,000 | $115,000 | $70,000 | $125,000 |
| Employment History | 4 | $430,000 | $107,000 | $125,000 | $45,000 | $85,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Five Star Bank's 2018 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 Five Star 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.