Hudson City Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, Hudson City Savings Bank of Buffalo, NY reported 2,040 mortgage applications totaling $1.0 billion. The average application was for $507,662, and applicants reported an average income of $220,469. 52% of its applications resulted in an originated loan and 17% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (930), Newark, NJ-PA (431) and Bridgeport-Stamford-Norwalk, CT (234) (applications in parentheses).
| Mortgage Company & Address | Hudson City Savings Bank 701 Seneca Street - Suite 330n Buffalo, NY 14210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 2,040 |
| Total Mortgage Loan Application Amount | $1,035,632,000 |
| Average Mortgage Loan Application Amount | $507,662 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $220,469 |
| Highest Applicant Income | $5,974,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hudson City Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen, New Jersey | 247 | $ 123,650,000 | $ 500,607 | $ 223,000 |
| Fairfield, Connecticut | 234 | $ 167,944,000 | $ 717,709 | $ 308,000 |
| Essex, New Jersey | 135 | $ 56,946,000 | $ 421,822 | $ 177,000 |
| Suffolk, New York | 130 | $ 69,873,000 | $ 537,484 | $ 230,000 |
| Ocean, New Jersey | 127 | $ 24,170,000 | $ 190,314 | $ 99,000 |
| Morris, New Jersey | 109 | $ 52,188,000 | $ 478,788 | $ 216,000 |
| Hudson, New Jersey | 106 | $ 46,116,000 | $ 435,056 | $ 189,000 |
| Monmouth, New Jersey | 99 | $ 42,280,000 | $ 427,070 | $ 227,000 |
| Union, New Jersey | 99 | $ 39,966,000 | $ 403,696 | $ 174,000 |
| Westchester, New York | 78 | $ 53,618,000 | $ 687,410 | $ 273,000 |
| Middlesex, New Jersey | 74 | $ 24,380,000 | $ 329,459 | $ 113,000 |
| Nassau, New York | 72 | $ 41,331,000 | $ 574,041 | $ 217,000 |
| Passaic, New Jersey | 55 | $ 12,843,000 | $ 233,509 | $ 103,000 |
| Somerset, New Jersey | 55 | $ 27,914,000 | $ 507,527 | $ 212,000 |
| Kings, New York | 52 | $ 43,851,000 | $ 843,288 | $ 260,000 |
| Mercer, New Jersey | 46 | $ 22,302,000 | $ 484,826 | $ 205,000 |
| New York, New York | 40 | $ 36,678,000 | $ 916,950 | $ 453,000 |
| Hunterdon, New Jersey | 22 | $ 8,988,000 | $ 408,545 | $ 190,000 |
| Montgomery, Pennsylvania | 21 | $ 14,555,000 | $ 693,095 | $ 329,000 |
| Bucks, Pennsylvania | 20 | $ 12,373,000 | $ 618,650 | $ 288,000 |
| Queens, New York | 19 | $ 12,746,000 | $ 670,842 | $ 194,000 |
| Richmond, New York | 17 | $ 8,436,000 | $ 496,235 | $ 155,000 |
| Delaware, Pennsylvania | 15 | $ 10,170,000 | $ 678,000 | $ 362,000 |
| Burlington, New Jersey | 14 | $ 4,928,000 | $ 352,000 | $ 141,000 |
| Rockland, New York | 14 | $ 7,395,000 | $ 528,214 | $ 364,000 |
| Camden, New Jersey | 12 | $ 2,583,000 | $ 215,250 | $ 144,000 |
| Hartford, Connecticut | 11 | $ 7,087,000 | $ 644,272 | $ 496,000 |
| Sussex, New Jersey | 11 | $ 3,159,000 | $ 287,181 | $ 122,000 |
| Philadelphia, Pennsylvania | 11 | $ 6,984,000 | $ 634,909 | $ 247,000 |
| Norfolk, Massachusetts | 10 | $ 6,907,000 | $ 690,700 | $ 231,000 |
| Cape May, New Jersey | 10 | $ 5,670,000 | $ 567,000 | $ 395,000 |
| Litchfield, Connecticut | 9 | $ 7,341,000 | $ 815,666 | $ 461,000 |
| New Haven, Connecticut | 9 | $ 4,770,000 | $ 530,000 | $ 243,000 |
| Middlesex, Massachusetts | 8 | $ 5,159,000 | $ 644,875 | $ 223,000 |
| Suffolk, Massachusetts | 8 | $ 5,411,000 | $ 676,375 | $ 203,000 |
| Gloucester, New Jersey | 7 | $ 933,000 | $ 133,285 | $ 52,000 |
| Chester, Pennsylvania | 5 | $ 2,109,000 | $ 421,800 | $ 229,000 |
| New London, Connecticut | 3 | $ 1,074,000 | $ 358,000 | $ 140,000 |
| Worcester, Massachusetts | 3 | $ 1,627,000 | $ 542,333 | $ 230,000 |
| Dutchess, New York | 3 | $ 1,073,000 | $ 357,666 | $ 179,000 |
| Putnam, New York | 3 | $ 610,000 | $ 203,333 | $ 57,000 |
| Middlesex, Connecticut | 2 | $ 905,000 | $ 452,500 | $ 252,000 |
| Barnstable, Massachusetts | 2 | $ 1,335,000 | $ 667,500 | $ 446,000 |
| Atlantic, New Jersey | 2 | $ 225,000 | $ 112,500 | $ 44,000 |
| Warren, New Jersey | 2 | $ 231,000 | $ 115,500 | $ 139,000 |
| Columbia, New York | 2 | $ 2,040,000 | $ 1,020,000 | $ 145,000 |
| Tolland, Connecticut | 1 | $ 340,000 | $ 340,000 | $ 112,000 |
| Bristol, Massachusetts | 1 | $ 452,000 | $ 452,000 | $ 251,000 |
| Essex, Massachusetts | 1 | $ 450,000 | $ 450,000 | $ 150,000 |
| Plymouth, Massachusetts | 1 | $ 404,000 | $ 404,000 | $ 101,000 |
| Cumberland, New Jersey | 1 | $ 42,000 | $ 42,000 | $ 112,000 |
| Bronx, New York | 1 | $ 880,000 | $ 880,000 | $ 217,000 |
| Orange, New York | 1 | $ 190,000 | $ 190,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Hudson City Savings 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 |
|---|---|---|---|---|---|---|
| Refinancing | 968 | $553,028,000 | $571,000 | $2,800,000 | $241,000 | $2,397,000 |
| Home Purchase | 743 | $353,524,000 | $475,000 | $3,000,000 | $205,000 | $5,974,000 |
| Home Improvement | 329 | $129,080,000 | $392,000 | $2,200,000 | $195,000 | $1,602,000 |
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 | 1,217 | $710,805,000 | $584,000 | $3,000,000 | $268,000 | $5,974,000 |
| Not applicable | 400 | $94,189,000 | $235,000 | $636,000 | $53,000 | $232,000 |
| Asian | 211 | $117,155,000 | $555,000 | $1,834,000 | $237,000 | $1,374,000 |
| Not Provided | 140 | $84,095,000 | $600,000 | $2,420,000 | $281,000 | $2,247,000 |
| Hispanic | 54 | $24,379,000 | $451,000 | $1,380,000 | $193,000 | $605,000 |
| Black or African American | 15 | $3,039,000 | $202,000 | $612,000 | $112,000 | $289,000 |
| American Indian or Alaskan Native | 2 | $970,000 | $485,000 | $950,000 | $256,000 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $88,000 | $88,000 |
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) | 1,640 | $941,443,000 | $574,000 | $3,000,000 | $261,000 | $5,974,000 |
| FHA-insured (Federal Housing Administration) | 400 | $94,189,000 | $235,000 | $636,000 | $53,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,067 | $627,307,000 | $587,000 | $2,200,000 | $277,000 | $5,974,000 |
| Loan Purchased By The Institution | 400 | $94,189,000 | $235,000 | $636,000 | $53,000 | $232,000 |
| Application Denied By Financial Institution | 354 | $197,638,000 | $558,000 | $2,800,000 | $198,000 | $1,450,000 |
| File Closed For Incompleteness | 144 | $80,072,000 | $556,000 | $3,000,000 | $307,000 | $2,273,000 |
| Application Approved But Not Accepted | 50 | $29,091,000 | $581,000 | $1,329,000 | $295,000 | $1,620,000 |
| Application Withdrawn By Applicant | 25 | $7,335,000 | $293,000 | $1,365,000 | $160,000 | $597,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 211 | $107,371,000 | $508,000 | $2,200,000 | $133,000 | $615,000 |
| Credit History | 50 | $24,107,000 | $482,000 | $1,750,000 | $232,000 | $1,081,000 |
| Collateral | 48 | $36,938,000 | $769,000 | $2,800,000 | $351,000 | $1,450,000 |
| Other | 39 | $26,229,000 | $672,000 | $2,000,000 | $319,000 | $888,000 |
| Employment History | 3 | $1,710,000 | $570,000 | $600,000 | $223,000 | $300,000 |
| Credit Application Incomplete | 2 | $899,000 | $449,000 | $575,000 | $206,000 | $406,000 |
| Unverifiable Information | 1 | $384,000 | $384,000 | $384,000 | $187,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings 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 Hudson City Savings 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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