Hudson City Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Hudson City Savings 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 | 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 | $479,333 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $213,666 |
| Highest Applicant Income | $5,974,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Hudson City Savings 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 Hudson City Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Hudson City Savings 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 Hudson City Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Hudson City Savings 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 Hudson City Savings 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 |
|---|---|---|---|---|
| Bergen County New Jersey | 247 | $ 123,650,000 | $ 500,000 | $ 223,000 |
| Fairfield County Connecticut | 234 | $ 167,944,000 | $ 717,000 | $ 308,000 |
| Essex County New Jersey | 135 | $ 56,946,000 | $ 421,000 | $ 177,000 |
| Suffolk County New York | 130 | $ 69,873,000 | $ 537,000 | $ 230,000 |
| Ocean County New Jersey | 127 | $ 24,170,000 | $ 190,000 | $ 99,000 |
| Morris County New Jersey | 109 | $ 52,188,000 | $ 478,000 | $ 216,000 |
| Hudson County New Jersey | 106 | $ 46,116,000 | $ 435,000 | $ 189,000 |
| Monmouth County New Jersey | 99 | $ 42,280,000 | $ 427,000 | $ 227,000 |
| Union County New Jersey | 99 | $ 39,966,000 | $ 403,000 | $ 174,000 |
| Westchester County New York | 78 | $ 53,618,000 | $ 687,000 | $ 273,000 |
| Middlesex County New Jersey | 74 | $ 24,380,000 | $ 329,000 | $ 113,000 |
| Nassau County New York | 72 | $ 41,331,000 | $ 574,000 | $ 217,000 |
| Passaic County New Jersey | 55 | $ 12,843,000 | $ 233,000 | $ 103,000 |
| Somerset County New Jersey | 55 | $ 27,914,000 | $ 507,000 | $ 212,000 |
| Kings County New York | 52 | $ 43,851,000 | $ 843,000 | $ 260,000 |
| Mercer County New Jersey | 46 | $ 22,302,000 | $ 484,000 | $ 205,000 |
| New York County New York | 40 | $ 36,678,000 | $ 916,000 | $ 453,000 |
| Hunterdon County New Jersey | 22 | $ 8,988,000 | $ 408,000 | $ 190,000 |
| Montgomery County Pennsylvania | 21 | $ 14,555,000 | $ 693,000 | $ 329,000 |
| Bucks County Pennsylvania | 20 | $ 12,373,000 | $ 618,000 | $ 288,000 |
| Queens County New York | 19 | $ 12,746,000 | $ 670,000 | $ 194,000 |
| Richmond County New York | 17 | $ 8,436,000 | $ 496,000 | $ 155,000 |
| Delaware County Pennsylvania | 15 | $ 10,170,000 | $ 678,000 | $ 362,000 |
| Burlington County New Jersey | 14 | $ 4,928,000 | $ 352,000 | $ 141,000 |
| Rockland County New York | 14 | $ 7,395,000 | $ 528,000 | $ 364,000 |
| Camden County New Jersey | 12 | $ 2,583,000 | $ 215,000 | $ 144,000 |
| Hartford County Connecticut | 11 | $ 7,087,000 | $ 644,000 | $ 496,000 |
| Sussex County New Jersey | 11 | $ 3,159,000 | $ 287,000 | $ 122,000 |
| Philadelphia County Pennsylvania | 11 | $ 6,984,000 | $ 634,000 | $ 247,000 |
| Norfolk County Massachusetts | 10 | $ 6,907,000 | $ 690,000 | $ 231,000 |
| Cape May County New Jersey | 10 | $ 5,670,000 | $ 567,000 | $ 395,000 |
| Litchfield County Connecticut | 9 | $ 7,341,000 | $ 815,000 | $ 461,000 |
| New Haven County Connecticut | 9 | $ 4,770,000 | $ 530,000 | $ 243,000 |
| Middlesex County Massachusetts | 8 | $ 5,159,000 | $ 644,000 | $ 223,000 |
| Suffolk County Massachusetts | 8 | $ 5,411,000 | $ 676,000 | $ 203,000 |
| Gloucester County New Jersey | 7 | $ 933,000 | $ 133,000 | $ 52,000 |
| Chester County Pennsylvania | 5 | $ 2,109,000 | $ 421,000 | $ 229,000 |
| New London County Connecticut | 3 | $ 1,074,000 | $ 358,000 | $ 140,000 |
| Worcester County Massachusetts | 3 | $ 1,627,000 | $ 542,000 | $ 230,000 |
| Dutchess County New York | 3 | $ 1,073,000 | $ 357,000 | $ 179,000 |
| Putnam County New York | 3 | $ 610,000 | $ 203,000 | $ 57,000 |
| Middlesex County Connecticut | 2 | $ 905,000 | $ 452,000 | $ 252,000 |
| Barnstable County Massachusetts | 2 | $ 1,335,000 | $ 667,000 | $ 446,000 |
| Atlantic County New Jersey | 2 | $ 225,000 | $ 112,000 | $ 44,000 |
| Warren County New Jersey | 2 | $ 231,000 | $ 115,000 | $ 139,000 |
| Columbia County New York | 2 | $ 2,040,000 | $ 1,020,000 | $ 145,000 |
| Tolland County Connecticut | 1 | $ 340,000 | $ 340,000 | $ 112,000 |
| Bristol County Massachusetts | 1 | $ 452,000 | $ 452,000 | $ 251,000 |
| Essex County Massachusetts | 1 | $ 450,000 | $ 450,000 | $ 150,000 |
| Plymouth County Massachusetts | 1 | $ 404,000 | $ 404,000 | $ 101,000 |
| Cumberland County New Jersey | 1 | $ 42,000 | $ 42,000 | $ 112,000 |
| Bronx County New York | 1 | $ 880,000 | $ 880,000 | $ 217,000 |
| Orange County 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.