Hudson City Savings Bank Mortgage Lending & HMDA Data, 2004

In 2004, Hudson City Savings Bank of Paramus, NJ reported 12,800 mortgage applications totaling $4.7 billion. The average application was for $363,975, and applicants reported an average income of $61,188. 43% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Newark-Union, NJ-PA (2,056), Edison, NJ (1,893) and Chicago-Naperville-Joliet, IL (601) (applications in parentheses).

Mortgage Company & Address Hudson City Savings Bank
West 80 Century Road
Paramus, NJ 07652
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 12,800
Total Mortgage Loan Application Amount $4,658,892,000
Average Mortgage Loan Application Amount $363,975
Highest Mortgage Loan Application Amount $2,900,000
Average Applicant Income $61,188
Highest Applicant Income $6,000,000

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(HMDA) records Hudson City Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Hudson City Savings Bank by County in 2004

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 1,958 $ 578,501,000 $ 295,455 $ 124,000
Morris, New Jersey 792 $ 235,548,000 $ 297,409 $ 119,000
Essex, New Jersey 663 $ 186,522,000 $ 281,330 $ 98,000
Ocean, New Jersey 609 $ 107,954,000 $ 177,264 $ 73,000
Monmouth, New Jersey 527 $ 144,573,000 $ 274,332 $ 148,000
Middlesex, New Jersey 421 $ 96,106,000 $ 228,280 $ 86,000
Union, New Jersey 391 $ 119,879,000 $ 306,595 $ 128,000
Cook, Illinois 362 $ 184,316,000 $ 509,160 $ 0
Passaic, New Jersey 362 $ 79,061,000 $ 218,400 $ 96,000
Somerset, New Jersey 336 $ 109,150,000 $ 324,851 $ 124,000
Nassau, New York 308 $ 154,303,000 $ 500,983 $ 34,000
Fairfax, Virginia 307 $ 147,758,000 $ 481,296 $ 0
Hudson, New Jersey 273 $ 63,421,000 $ 232,311 $ 80,000
Suffolk, New York 257 $ 124,782,000 $ 485,533 $ 59,000
Westchester, New York 238 $ 124,282,000 $ 522,193 $ 40,000
Montgomery, Maryland 223 $ 111,072,000 $ 498,080 $ 0
Middlesex, Massachusetts 215 $ 105,720,000 $ 491,720 $ 0
Fairfield, Connecticut 175 $ 92,578,000 $ 529,017 $ 0
Burlington, New Jersey 148 $ 29,519,000 $ 199,452 $ 104,000
DuPage, Illinois 142 $ 72,037,000 $ 507,302 $ 0
Lake, Illinois 131 $ 66,774,000 $ 509,725 $ 0
Sussex, New Jersey 126 $ 29,894,000 $ 237,253 $ 152,000
Loudoun, Virginia 122 $ 54,815,000 $ 449,303 $ 0
Camden, New Jersey 117 $ 17,383,000 $ 148,572 $ 70,000
Mercer, New Jersey 116 $ 36,643,000 $ 315,887 $ 103,000
Norfolk, Massachusetts 100 $ 50,452,000 $ 504,520 $ 0
Oakland, Michigan 97 $ 44,345,000 $ 457,164 $ 0
District of Columbia, District Of Columbia 94 $ 48,589,000 $ 516,904 $ 0
Queens, New York 91 $ 40,342,000 $ 443,318 $ 0
Hunterdon, New Jersey 84 $ 29,055,000 $ 345,892 $ 118,000
Warren, New Jersey 81 $ 13,246,000 $ 163,530 $ 76,000
Prince William, Virginia 79 $ 34,597,000 $ 437,936 $ 0
Hennepin, Minnesota 70 $ 33,840,000 $ 483,428 $ 0
Anne Arundel, Maryland 67 $ 32,981,000 $ 492,253 $ 0
Essex, Massachusetts 65 $ 32,125,000 $ 494,230 $ 0
Gloucester, New Jersey 65 $ 7,989,000 $ 122,907 $ 70,000
Kings, New York 64 $ 32,528,000 $ 508,250 $ 0
Arlington, Virginia 64 $ 30,910,000 $ 482,968 $ 0
Howard, Maryland 63 $ 29,924,000 $ 474,984 $ 0
New York, New York 63 $ 36,396,000 $ 577,714 $ 0
Montgomery, Pennsylvania 56 $ 29,482,000 $ 526,464 $ 0
Hamilton, Ohio 55 $ 26,993,000 $ 490,781 $ 0
St. Louis, Missouri 53 $ 26,008,000 $ 490,716 $ 0
Plymouth, Massachusetts 52 $ 23,303,000 $ 448,134 $ 0
Rockland, New York 51 $ 22,986,000 $ 450,705 $ 55,000
Franklin, Ohio 47 $ 24,227,000 $ 515,468 $ 0
Bucks, Pennsylvania 46 $ 19,891,000 $ 432,413 $ 0
Wake, North Carolina 42 $ 20,372,000 $ 485,047 $ 0
Atlantic, New Jersey 41 $ 8,876,000 $ 216,487 $ 49,000
Alexandria, Virginia 40 $ 19,643,000 $ 491,075 $ 0
New Haven, Connecticut 39 $ 18,740,000 $ 480,512 $ 0
Will, Illinois 38 $ 16,744,000 $ 440,631 $ 0
Worcester, Massachusetts 38 $ 17,172,000 $ 451,894 $ 0
Chester, Pennsylvania 37 $ 18,155,000 $ 490,675 $ 0
Wayne, Michigan 36 $ 18,313,000 $ 508,694 $ 0
Kane, Illinois 33 $ 15,286,000 $ 463,212 $ 0
Baltimore, Maryland 33 $ 15,406,000 $ 466,848 $ 0
Mecklenburg, North Carolina 33 $ 16,565,000 $ 501,969 $ 0
Richmond, New York 31 $ 13,305,000 $ 429,193 $ 24,000
Delaware, Pennsylvania 30 $ 15,500,000 $ 516,666 $ 0
Prince George's, Maryland 29 $ 11,651,000 $ 401,758 $ 0
Washington, Minnesota 28 $ 12,982,000 $ 463,642 $ 0
Suffolk, Massachusetts 27 $ 13,856,000 $ 513,185 $ 0
Washtenaw, Michigan 27 $ 13,181,000 $ 488,185 $ 0
Cape May, New Jersey 24 $ 12,128,000 $ 505,333 $ 98,000
Hartford, Connecticut 23 $ 11,697,000 $ 508,565 $ 0
McHenry, Illinois 21 $ 9,690,000 $ 461,428 $ 0
Hamilton, Indiana 21 $ 10,471,000 $ 498,619 $ 0
Macomb, Michigan 20 $ 9,394,000 $ 469,700 $ 0
Dakota, Minnesota 20 $ 9,666,000 $ 483,300 $ 0
Cuyahoga, Ohio 20 $ 8,928,000 $ 446,400 $ 0
Johnson, Kansas 18 $ 9,442,000 $ 524,555 $ 0
Marion, Indiana 17 $ 8,397,000 $ 493,941 $ 0
Carroll, Maryland 17 $ 7,217,000 $ 424,529 $ 0
Kent, Michigan 17 $ 7,854,000 $ 462,000 $ 0
Barnstable, Massachusetts 16 $ 7,357,000 $ 459,812 $ 0
Carver, Minnesota 16 $ 7,159,000 $ 447,437 $ 0
Delaware, Ohio 16 $ 7,480,000 $ 467,500 $ 0
Sussex, Delaware 15 $ 6,605,000 $ 440,333 $ 0
Litchfield, Connecticut 14 $ 7,179,000 $ 512,785 $ 0
Bristol, Massachusetts 14 $ 5,817,000 $ 415,500 $ 0
Scott, Minnesota 14 $ 6,235,000 $ 445,357 $ 0
Orange, North Carolina 14 $ 7,169,000 $ 512,071 $ 0
Dane, Wisconsin 14 $ 7,487,000 $ 534,785 $ 0
Calvert, Maryland 13 $ 5,579,000 $ 429,153 $ 0
Rockingham, New Hampshire 13 $ 5,279,000 $ 406,076 $ 0
Orange, New York 13 $ 5,726,000 $ 440,461 $ 0
Putnam, New York 13 $ 5,807,000 $ 446,692 $ 0
Warren, Ohio 13 $ 5,886,000 $ 452,769 $ 0
Providence, Rhode Island 13 $ 6,206,000 $ 477,384 $ 0
Charleston, South Carolina 13 $ 5,906,000 $ 454,307 $ 0
Virginia Beach, Virginia 13 $ 6,220,000 $ 478,461 $ 0
Lucas, Ohio 12 $ 5,168,000 $ 430,666 $ 0
Henrico, Virginia 12 $ 4,930,000 $ 410,833 $ 0
Frederick, Maryland 11 $ 4,410,000 $ 400,909 $ 0
New Castle, Delaware 10 $ 4,884,000 $ 488,400 $ 0
New Hanover, North Carolina 10 $ 4,494,000 $ 449,400 $ 0
Allegheny, Pennsylvania 10 $ 4,971,000 $ 497,100 $ 0
Waukesha, Wisconsin 10 $ 4,474,000 $ 447,400 $ 0
Baltimore City, Maryland 9 $ 4,244,000 $ 471,555 $ 0
Hillsborough, New Hampshire 9 $ 3,959,000 $ 439,888 $ 0
Bronx, New York 9 $ 5,393,000 $ 599,222 $ 0
Brunswick, North Carolina 9 $ 4,098,000 $ 455,333 $ 0
Currituck, North Carolina 9 $ 5,305,000 $ 589,444 $ 0
Summit, Ohio 9 $ 3,655,000 $ 406,111 $ 0
Stafford, Virginia 9 $ 3,972,000 $ 441,333 $ 0
Middlesex, Connecticut 8 $ 3,984,000 $ 498,000 $ 0
St. Mary's, Maryland 8 $ 3,130,000 $ 391,250 $ 0
Kalamazoo, Michigan 8 $ 3,450,000 $ 431,250 $ 0
Livingston, Michigan 8 $ 3,499,000 $ 437,375 $ 0
Ottawa, Michigan 8 $ 3,711,000 $ 463,875 $ 0
Wright, Minnesota 8 $ 3,787,000 $ 473,375 $ 0
Jackson, Missouri 8 $ 3,854,000 $ 481,750 $ 0
Guilford, North Carolina 8 $ 3,815,000 $ 476,875 $ 0
Butler, Ohio 8 $ 3,285,000 $ 410,625 $ 0
Philadelphia, Pennsylvania 8 $ 4,216,000 $ 527,000 $ 0
Washington, Rhode Island 8 $ 3,580,000 $ 447,500 $ 0
New London, Connecticut 7 $ 4,173,000 $ 596,142 $ 0
Johnson, Indiana 7 $ 3,267,000 $ 466,714 $ 0
Cumberland, Maine 7 $ 2,982,000 $ 426,000 $ 0
Charles, Maryland 7 $ 2,922,000 $ 417,428 $ 0
Harford, Maryland 7 $ 2,972,000 $ 424,571 $ 0
Worcester, Maryland 7 $ 3,181,000 $ 454,428 $ 0
Leelanau, Michigan 7 $ 3,682,000 $ 526,000 $ 0
Anoka, Minnesota 7 $ 2,818,000 $ 402,571 $ 0
Ramsey, Minnesota 7 $ 3,912,000 $ 558,857 $ 0
Dutchess, New York 7 $ 2,903,000 $ 414,714 $ 0
Montgomery, Ohio 7 $ 2,918,000 $ 416,857 $ 0
Beaufort, South Carolina 7 $ 4,226,000 $ 603,714 $ 0
Fauquier, Virginia 7 $ 3,169,000 $ 452,714 $ 0
Milwaukee, Wisconsin 7 $ 3,161,000 $ 451,571 $ 0
Allen, Indiana 6 $ 2,240,000 $ 373,333 $ 0
Boone, Indiana 6 $ 2,910,000 $ 485,000 $ 0
Porter, Indiana 6 $ 2,589,000 $ 431,500 $ 0
Grand Traverse, Michigan 6 $ 3,334,000 $ 555,666 $ 0
Union, North Carolina 6 $ 2,637,000 $ 439,500 $ 0
Medina, Ohio 6 $ 2,856,000 $ 476,000 $ 0
Kent, Rhode Island 6 $ 2,876,000 $ 479,333 $ 0
Horry, South Carolina 6 $ 2,617,000 $ 436,166 $ 0
Franklin, Virginia 6 $ 2,892,000 $ 482,000 $ 0
Dukes, Massachusetts 5 $ 2,494,000 $ 498,800 $ 0
St. Clair, Michigan 5 $ 2,491,000 $ 498,200 $ 0
Douglas, Nebraska 5 $ 2,859,000 $ 571,800 $ 0
Monroe, New York 5 $ 2,630,000 $ 526,000 $ 0
Dare, North Carolina 5 $ 2,309,000 $ 461,800 $ 0
Iredell, North Carolina 5 $ 1,993,000 $ 398,600 $ 0
Clermont, Ohio 5 $ 2,638,000 $ 527,600 $ 0
Newport, Rhode Island 5 $ 2,119,000 $ 423,800 $ 0
Chesterfield, Virginia 5 $ 2,160,000 $ 432,000 $ 0
Fairfax City, Virginia 5 $ 1,879,000 $ 375,800 $ 0
Falls Church, Virginia 5 $ 2,524,000 $ 504,800 $ 0
James City, Virginia 5 $ 1,933,000 $ 386,600 $ 0
Richmond City, Virginia 5 $ 2,988,000 $ 597,600 $ 0
Washington, Wisconsin 5 $ 2,580,000 $ 516,000 $ 0
Champaign, Illinois 4 $ 1,953,000 $ 488,250 $ 0
Kendall, Illinois 4 $ 1,619,000 $ 404,750 $ 0
Hendricks, Indiana 4 $ 1,605,000 $ 401,250 $ 0
Lake, Indiana 4 $ 1,754,000 $ 438,500 $ 0
LaPorte, Indiana 4 $ 1,616,000 $ 404,000 $ 0
Steuben, Indiana 4 $ 2,311,000 $ 577,750 $ 0
Polk, Iowa 4 $ 1,761,000 $ 440,250 $ 0
Sedgwick, Kansas 4 $ 1,919,000 $ 479,750 $ 0
York, Maine 4 $ 2,019,000 $ 504,750 $ 0
Queen Anne's, Maryland 4 $ 2,107,000 $ 526,750 $ 0
Branch, Michigan 4 $ 1,660,000 $ 415,000 $ 0
Lenawee, Michigan 4 $ 1,376,000 $ 344,000 $ 0
Erie, New York 4 $ 1,999,000 $ 499,750 $ 0
Buncombe, North Carolina 4 $ 1,642,000 $ 410,500 $ 0
Chatham, North Carolina 4 $ 1,735,000 $ 433,750 $ 0
Greene, Ohio 4 $ 1,268,000 $ 317,000 $ 0
Portage, Ohio 4 $ 1,603,000 $ 400,750 $ 0
Cumberland, Pennsylvania 4 $ 1,735,000 $ 433,750 $ 0
Richland, South Carolina 4 $ 1,716,000 $ 429,000 $ 0
Chittenden, Vermont 4 $ 1,691,000 $ 422,750 $ 0
Albemarle, Virginia 4 $ 2,259,000 $ 564,750 $ 0
Frederick, Virginia 4 $ 1,525,000 $ 381,250 $ 0
Manassas, Virginia 4 $ 1,615,000 $ 403,750 $ 0
Powhatan, Virginia 4 $ 1,551,000 $ 387,750 $ 0
Ozaukee, Wisconsin 4 $ 2,031,000 $ 507,750 $ 0
Tippecanoe, Indiana 3 $ 1,222,000 $ 407,333 $ 0
Garrett, Maryland 3 $ 1,884,000 $ 628,000 $ 0
Talbot, Maryland 3 $ 1,511,000 $ 503,666 $ 0
Hampshire, Massachusetts 3 $ 1,185,000 $ 395,000 $ 0
Antrim, Michigan 3 $ 1,583,000 $ 527,666 $ 0
Emmet, Michigan 3 $ 1,368,000 $ 456,000 $ 0
Ingham, Michigan 3 $ 1,664,000 $ 554,666 $ 0
Crow Wing, Minnesota 3 $ 1,687,000 $ 562,333 $ 0
Stearns, Minnesota 3 $ 1,208,000 $ 402,666 $ 0
St. Charles, Missouri 3 $ 1,322,000 $ 440,666 $ 0
Carroll, New Hampshire 3 $ 1,424,000 $ 474,666 $ 0
Merrimack, New Hampshire 3 $ 903,000 $ 301,000 $ 0
Cumberland, New Jersey 3 $ 553,000 $ 184,333 $ 23,000
Salem, New Jersey 3 $ 665,000 $ 221,666 $ 63,000
Carteret, North Carolina 3 $ 1,359,000 $ 453,000 $ 0
Forsyth, North Carolina 3 $ 1,435,000 $ 478,333 $ 0
Granville, North Carolina 3 $ 1,164,000 $ 388,000 $ 0
Lincoln, North Carolina 3 $ 1,440,000 $ 480,000 $ 0
Lorain, Ohio 3 $ 1,395,000 $ 465,000 $ 0
Butler, Pennsylvania 3 $ 1,645,000 $ 548,333 $ 0
Lehigh, Pennsylvania 3 $ 1,053,000 $ 351,000 $ 0
Washington, Pennsylvania 3 $ 1,426,000 $ 475,333 $ 0
Bristol, Rhode Island 3 $ 1,572,000 $ 524,000 $ 0
Davidson, Tennessee 3 $ 1,466,000 $ 488,666 $ 0
Bennington, Vermont 3 $ 1,310,000 $ 436,666 $ 0
Lamoille, Vermont 3 $ 1,332,000 $ 444,000 $ 0
Chesapeake, Virginia 3 $ 1,281,000 $ 427,000 $ 0
Lancaster, Virginia 3 $ 1,402,000 $ 467,333 $ 0
Newport News, Virginia 3 $ 1,510,000 $ 503,333 $ 0
Rappahannock, Virginia 3 $ 1,455,000 $ 485,000 $ 0
Brown, Wisconsin 3 $ 1,457,000 $ 485,666 $ 0
Pierce, Wisconsin 3 $ 1,269,000 $ 423,000 $ 0
Vilas, Wisconsin 3 $ 1,819,000 $ 606,333 $ 0
Benton, Arkansas 2 $ 1,405,000 $ 702,500 $ 0
Sebastian, Arkansas 2 $ 934,000 $ 467,000 $ 0
Tolland, Connecticut 2 $ 737,000 $ 368,500 $ 0
Boone, Illinois 2 $ 883,000 $ 441,500 $ 0
Sangamon, Illinois 2 $ 1,036,000 $ 518,000 $ 0
St. Clair, Illinois 2 $ 1,170,000 $ 585,000 $ 0
Floyd, Indiana 2 $ 1,405,000 $ 702,500 $ 0
St. Joseph, Indiana 2 $ 457,000 $ 228,500 $ 0
Vanderburgh, Indiana 2 $ 1,055,000 $ 527,500 $ 0
Dallas, Iowa 2 $ 1,221,000 $ 610,500 $ 0
Johnson, Iowa 2 $ 1,188,000 $ 594,000 $ 0
Linn, Iowa 2 $ 848,000 $ 424,000 $ 0
Scott, Iowa 2 $ 1,058,000 $ 529,000 $ 0
Wicomico, Maryland 2 $ 1,033,000 $ 516,500 $ 0
Nantucket, Massachusetts 2 $ 1,152,000 $ 576,000 $ 0
Allegan, Michigan 2 $ 983,000 $ 491,500 $ 0
Barry, Michigan 2 $ 943,000 $ 471,500 $ 0
Monroe, Michigan 2 $ 772,000 $ 386,000 $ 0
Chisago, Minnesota 2 $ 1,180,000 $ 590,000 $ 0
Olmsted, Minnesota 2 $ 799,000 $ 399,500 $ 0
Sherburne, Minnesota 2 $ 945,000 $ 472,500 $ 0
St. Louis, Minnesota 2 $ 766,000 $ 383,000 $ 0
Camden, Missouri 2 $ 738,000 $ 369,000 $ 0
Jefferson, Missouri 2 $ 1,132,000 $ 566,000 $ 0
Platte, Missouri 2 $ 1,379,000 $ 689,500 $ 0
Stone, Missouri 2 $ 1,410,000 $ 705,000 $ 0
Lancaster, Nebraska 2 $ 1,028,000 $ 514,000 $ 0
Belknap, New Hampshire 2 $ 882,000 $ 441,000 $ 0
Albany, New York 2 $ 1,004,000 $ 502,000 $ 0
Columbia, New York 2 $ 1,009,000 $ 504,500 $ 0
Madison, New York 2 $ 1,000,000 $ 500,000 $ 0
Saratoga, New York 2 $ 850,000 $ 425,000 $ 0
Ulster, New York 2 $ 768,000 $ 384,000 $ 0
Warren, New York 2 $ 1,196,000 $ 598,000 $ 0
Catawba, North Carolina 2 $ 865,000 $ 432,500 $ 0
Durham, North Carolina 2 $ 958,000 $ 479,000 $ 0
Jackson, North Carolina 2 $ 1,074,000 $ 537,000 $ 0
Macon, North Carolina 2 $ 997,000 $ 498,500 $ 0
Rowan, North Carolina 2 $ 778,000 $ 389,000 $ 0
Watauga, North Carolina 2 $ 1,158,000 $ 579,000 $ 0
Burleigh, North Dakota 2 $ 805,000 $ 402,500 $ 0
Erie, Ohio 2 $ 1,036,000 $ 518,000 $ 0
Mahoning, Ohio 2 $ 870,000 $ 435,000 $ 0
Stark, Ohio 2 $ 914,000 $ 457,000 $ 0
Dauphin, Pennsylvania 2 $ 228,000 $ 114,000 $ 0
Mercer, Pennsylvania 2 $ 808,000 $ 404,000 $ 0
Monroe, Pennsylvania 2 $ 719,000 $ 359,500 $ 0
Westmoreland, Pennsylvania 2 $ 821,000 $ 410,500 $ 0
Dorchester, South Carolina 2 $ 841,000 $ 420,500 $ 0
York, South Carolina 2 $ 1,532,000 $ 766,000 $ 0
Shelby, Tennessee 2 $ 1,055,000 $ 527,500 $ 0
Williamson, Tennessee 2 $ 983,000 $ 491,500 $ 0
Rutland, Vermont 2 $ 1,329,000 $ 664,500 $ 0
Windsor, Vermont 2 $ 1,019,000 $ 509,500 $ 0
Botetourt, Virginia 2 $ 546,000 $ 273,000 $ 0
Clarke, Virginia 2 $ 911,000 $ 455,500 $ 0
Fluvanna, Virginia 2 $ 603,000 $ 301,500 $ 0
King George, Virginia 2 $ 887,000 $ 443,500 $ 0
Middlesex, Virginia 2 $ 969,000 $ 484,500 $ 0
Norfolk, Virginia 2 $ 999,000 $ 499,500 $ 0
Orange, Virginia 2 $ 779,000 $ 389,500 $ 0
Roanoke, Virginia 2 $ 506,000 $ 253,000 $ 0
Roanoke City, Virginia 2 $ 460,000 $ 230,000 $ 0
Salem, Virginia 2 $ 1,399,000 $ 699,500 $ 0
Winchester, Virginia 2 $ 905,000 $ 452,500 $ 0
Door, Wisconsin 2 $ 945,000 $ 472,500 $ 0
Matanuska-Susitna, Alaska 1 $ 920,000 $ 920,000 $ 0
Boone, Arkansas 1 $ 367,000 $ 367,000 $ 0
Craighead, Arkansas 1 $ 426,000 $ 426,000 $ 0
Garland, Arkansas 1 $ 492,000 $ 492,000 $ 0
Jefferson, Arkansas 1 $ 103,000 $ 103,000 $ 0
Pulaski, Arkansas 1 $ 473,000 $ 473,000 $ 0
Boulder, Colorado 1 $ 479,000 $ 479,000 $ 0
Kent, Delaware 1 $ 380,000 $ 380,000 $ 0
Palm Beach, Florida 1 $ 458,000 $ 458,000 $ 0
DeKalb, Illinois 1 $ 539,000 $ 539,000 $ 0
Madison, Illinois 1 $ 545,000 $ 545,000 $ 0
Peoria, Illinois 1 $ 514,000 $ 514,000 $ 0
Winnebago, Illinois 1 $ 448,000 $ 448,000 $ 0
Adams, Indiana 1 $ 507,000 $ 507,000 $ 0
DeKalb, Indiana 1 $ 599,000 $ 599,000 $ 0
Grant, Indiana 1 $ 647,000 $ 647,000 $ 0
Kosciusko, Indiana 1 $ 479,000 $ 479,000 $ 0
Monroe, Indiana 1 $ 379,000 $ 379,000 $ 0
Pike, Indiana 1 $ 365,000 $ 365,000 $ 0
Ripley, Indiana 1 $ 396,000 $ 396,000 $ 0
Warrick, Indiana 1 $ 399,000 $ 399,000 $ 0
Boone, Iowa 1 $ 348,000 $ 348,000 $ 0
Bremer, Iowa 1 $ 448,000 $ 448,000 $ 0
Warren, Iowa 1 $ 478,000 $ 478,000 $ 0
Shawnee, Kansas 1 $ 362,000 $ 362,000 $ 0
Boone, Kentucky 1 $ 337,000 $ 337,000 $ 0
Fayette, Kentucky 1 $ 420,000 $ 420,000 $ 0
Jefferson, Kentucky 1 $ 478,000 $ 478,000 $ 0
Oldham, Kentucky 1 $ 380,000 $ 380,000 $ 0
Hancock, Maine 1 $ 384,000 $ 384,000 $ 0
Knox, Maine 1 $ 398,000 $ 398,000 $ 0
Lincoln, Maine 1 $ 353,000 $ 353,000 $ 0
Oxford, Maine 1 $ 497,000 $ 497,000 $ 0
Cecil, Maryland 1 $ 599,000 $ 599,000 $ 0
Berkshire, Massachusetts 1 $ 499,000 $ 499,000 $ 0
Hampden, Massachusetts 1 $ 359,000 $ 359,000 $ 0
Benzie, Michigan 1 $ 599,000 $ 599,000 $ 0
Berrien, Michigan 1 $ 445,000 $ 445,000 $ 0
Cass, Michigan 1 $ 371,000 $ 371,000 $ 0
Charlevoix, Michigan 1 $ 600,000 $ 600,000 $ 0
Cheboygan, Michigan 1 $ 419,000 $ 419,000 $ 0
Clinton, Michigan 1 $ 468,000 $ 468,000 $ 0
Genesee, Michigan 1 $ 383,000 $ 383,000 $ 0
Isabella, Michigan 1 $ 463,000 $ 463,000 $ 0
Lapeer, Michigan 1 $ 532,000 $ 532,000 $ 0
Muskegon, Michigan 1 $ 637,000 $ 637,000 $ 0
Ontonagon, Michigan 1 $ 360,000 $ 360,000 $ 0
Otsego, Michigan 1 $ 388,000 $ 388,000 $ 0
Roscommon, Michigan 1 $ 593,000 $ 593,000 $ 0
Saginaw, Michigan 1 $ 400,000 $ 400,000 $ 0
St. Joseph, Michigan 1 $ 399,000 $ 399,000 $ 0
Van Buren, Michigan 1 $ 620,000 $ 620,000 $ 0
Wexford, Michigan 1 $ 649,000 $ 649,000 $ 0
Blue Earth, Minnesota 1 $ 442,000 $ 442,000 $ 0
Douglas, Minnesota 1 $ 494,000 $ 494,000 $ 0
Isanti, Minnesota 1 $ 393,000 $ 393,000 $ 0
Itasca, Minnesota 1 $ 495,000 $ 495,000 $ 0
Lake, Minnesota 1 $ 491,000 $ 491,000 $ 0
Otter Tail, Minnesota 1 $ 368,000 $ 368,000 $ 0
Rice, Minnesota 1 $ 405,000 $ 405,000 $ 0
Cape Girardeau, Missouri 1 $ 931,000 $ 931,000 $ 0
Cass, Missouri 1 $ 648,000 $ 648,000 $ 0
Christian, Missouri 1 $ 362,000 $ 362,000 $ 0
Franklin, Missouri 1 $ 515,000 $ 515,000 $ 0
Laclede, Missouri 1 $ 611,000 $ 611,000 $ 0
Lafayette, Missouri 1 $ 488,000 $ 488,000 $ 0
Saline, Missouri 1 $ 379,000 $ 379,000 $ 0
St. Louis City, Missouri 1 $ 599,000 $ 599,000 $ 0
Warren, Missouri 1 $ 509,000 $ 509,000 $ 0
Webster, Missouri 1 $ 417,000 $ 417,000 $ 0
Kearney, Nebraska 1 $ 446,000 $ 446,000 $ 0
Washington, Nebraska 1 $ 519,000 $ 519,000 $ 0
Strafford, New Hampshire 1 $ 625,000 $ 625,000 $ 0
Greene, New York 1 $ 440,000 $ 440,000 $ 0
Hamilton, New York 1 $ 408,000 $ 408,000 $ 0
Herkimer, New York 1 $ 442,000 $ 442,000 $ 0
Ontario, New York 1 $ 535,000 $ 535,000 $ 0
Otsego, New York 1 $ 379,000 $ 379,000 $ 0
Schuyler, New York 1 $ 400,000 $ 400,000 $ 0
Alamance, North Carolina 1 $ 511,000 $ 511,000 $ 0
Alexander, North Carolina 1 $ 612,000 $ 612,000 $ 0
Beaufort, North Carolina 1 $ 641,000 $ 641,000 $ 0
Caldwell, North Carolina 1 $ 434,000 $ 434,000 $ 0
Caswell, North Carolina 1 $ 359,000 $ 359,000 $ 0
Cleveland, North Carolina 1 $ 446,000 $ 446,000 $ 0
Craven, North Carolina 1 $ 431,000 $ 431,000 $ 0
Davidson, North Carolina 1 $ 445,000 $ 445,000 $ 0
Davie, North Carolina 1 $ 374,000 $ 374,000 $ 0
Gaston, North Carolina 1 $ 595,000 $ 595,000 $ 0
Harnett, North Carolina 1 $ 431,000 $ 431,000 $ 0
Hyde, North Carolina 1 $ 496,000 $ 496,000 $ 0
Johnston, North Carolina 1 $ 457,000 $ 457,000 $ 0
Montgomery, North Carolina 1 $ 487,000 $ 487,000 $ 0
Moore, North Carolina 1 $ 657,000 $ 657,000 $ 0
Pamlico, North Carolina 1 $ 452,000 $ 452,000 $ 0
Pitt, North Carolina 1 $ 555,000 $ 555,000 $ 0
Yancey, North Carolina 1 $ 492,000 $ 492,000 $ 0
Hancock, Ohio 1 $ 556,000 $ 556,000 $ 0
Huron, Ohio 1 $ 701,000 $ 701,000 $ 0
Knox, Ohio 1 $ 526,000 $ 526,000 $ 0
Lake, Ohio 1 $ 761,000 $ 761,000 $ 0
Licking, Ohio 1 $ 379,000 $ 379,000 $ 0
Logan, Ohio 1 $ 405,000 $ 405,000 $ 0
Morrow, Ohio 1 $ 420,000 $ 420,000 $ 0
Ottawa, Ohio 1 $ 370,000 $ 370,000 $ 0
Shelby, Ohio 1 $ 354,000 $ 354,000 $ 0
Wood, Ohio 1 $ 465,000 $ 465,000 $ 0
Washington, Oregon 1 $ 450,000 $ 450,000 $ 0
Adams, Pennsylvania 1 $ 362,000 $ 362,000 $ 0
Beaver, Pennsylvania 1 $ 650,000 $ 650,000 $ 0
Blair, Pennsylvania 1 $ 417,000 $ 417,000 $ 0
Erie, Pennsylvania 1 $ 512,000 $ 512,000 $ 0
Lackawanna, Pennsylvania 1 $ 492,000 $ 492,000 $ 0
Luzerne, Pennsylvania 1 $ 999,000 $ 999,000 $ 0
Pike, Pennsylvania 1 $ 360,000 $ 360,000 $ 0
Wayne, Pennsylvania 1 $ 412,000 $ 412,000 $ 0
Wyoming, Pennsylvania 1 $ 405,000 $ 405,000 $ 0
York, Pennsylvania 1 $ 338,000 $ 338,000 $ 0
Georgetown, South Carolina 1 $ 459,000 $ 459,000 $ 0
Lexington, South Carolina 1 $ 624,000 $ 624,000 $ 0
McCormick, South Carolina 1 $ 648,000 $ 648,000 $ 0
Oconee, South Carolina 1 $ 362,000 $ 362,000 $ 0
Spartanburg, South Carolina 1 $ 390,000 $ 390,000 $ 0
Pennington, South Dakota 1 $ 434,000 $ 434,000 $ 0
Hamilton, Tennessee 1 $ 403,000 $ 403,000 $ 0
Hardin, Tennessee 1 $ 639,000 $ 639,000 $ 0
Knox, Tennessee 1 $ 431,000 $ 431,000 $ 0
Monroe, Tennessee 1 $ 383,000 $ 383,000 $ 0
Sevier, Tennessee 1 $ 498,000 $ 498,000 $ 0
Augusta, Virginia 1 $ 830,000 $ 830,000 $ 0
Bedford, Virginia 1 $ 697,000 $ 697,000 $ 0
Culpeper, Virginia 1 $ 439,000 $ 439,000 $ 0
Goochland, Virginia 1 $ 368,000 $ 368,000 $ 0
Hanover, Virginia 1 $ 373,000 $ 373,000 $ 0
Henry, Virginia 1 $ 619,000 $ 619,000 $ 0
Isle of Wight, Virginia 1 $ 415,000 $ 415,000 $ 0
Manassas Park, Virginia 1 $ 380,000 $ 380,000 $ 0
Montgomery, Virginia 1 $ 413,000 $ 413,000 $ 0
Nelson, Virginia 1 $ 498,000 $ 498,000 $ 0
Northumberland, Virginia 1 $ 409,000 $ 409,000 $ 0
Portsmouth, Virginia 1 $ 166,000 $ 166,000 $ 0
Rockingham, Virginia 1 $ 372,000 $ 372,000 $ 0
Spotsylvania, Virginia 1 $ 445,000 $ 445,000 $ 0
Suffolk, Virginia 1 $ 421,000 $ 421,000 $ 0
York, Virginia 1 $ 376,000 $ 376,000 $ 0
Kanawha, West Virginia 1 $ 388,000 $ 388,000 $ 0
Barron, Wisconsin 1 $ 448,000 $ 448,000 $ 0
Crawford, Wisconsin 1 $ 507,000 $ 507,000 $ 0
Green, Wisconsin 1 $ 428,000 $ 428,000 $ 0
Jefferson, Wisconsin 1 $ 639,000 $ 639,000 $ 0
Kenosha, Wisconsin 1 $ 456,000 $ 456,000 $ 0
Portage, Wisconsin 1 $ 558,000 $ 558,000 $ 0
Racine, Wisconsin 1 $ 576,000 $ 576,000 $ 0
Sauk, Wisconsin 1 $ 360,000 $ 360,000 $ 0
Sawyer, Wisconsin 1 $ 370,000 $ 370,000 $ 0
Sheboygan, Wisconsin 1 $ 376,000 $ 376,000 $ 0
Walworth, Wisconsin 1 $ 330,000 $ 330,000 $ 0
Winnebago, Wisconsin 1 $ 699,000 $ 699,000 $ 0

Mortgage Loan Application Detail Totals for Hudson City Savings Bank in 2004

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 6,473 $2,604,204,000 $461,812 $1,820,000 $4,187 $3,968,000
Refinancing 5,342 $2,014,275,000 $493,966 $2,900,000 $3,966 $6,000,000
Home Improvement 985 $40,413,000 $328,750 $503,000 $22,750 $1,497,000

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
Not applicable 6,363 $3,028,706,000 $482,228 $1,013,000 $342 $445,000
White 4,816 $1,217,924,000 $316,500 $2,900,000 $129,500 $6,000,000
Asian 1,071 $313,851,000 $443,500 $1,000,000 $164,000 $753,000
Hispanic 226 $54,576,000 $287,000 $1,000,000 $116,500 $480,000
Not Provided 157 $10,805,000 $68,000 $525,000 $118,000 $1,497,000
Black or African American 112 $19,065,000 $170,000 $575,000 $97,000 $530,000
Native Hawaiian or Other Pacific Islander 35 $10,238,000 $292,000 $679,000 $182,000 $858,000
American Indian or Alaskan Native 20 $3,727,000 $186,000 $700,000 $104,000 $297,000

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) 12,780 $4,655,739,000 $478,600 $2,900,000 $3,514 $6,000,000
FHA-insured (Federal Housing Administration) 20 $3,153,000 $157,000 $342,000 $0 $0
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 Purchased By The Institution 6,355 $3,026,758,000 $482,257 $1,013,000 $0 $0
Loan Originated 5,515 $1,437,439,000 $324,500 $2,900,000 $135,000 $6,000,000
Application Denied By Financial Institution 407 $57,770,000 $141,000 $2,250,000 $95,000 $1,631,000
Application Approved But Not Accepted 279 $74,854,000 $268,000 $1,500,000 $130,000 $1,213,000
Application Withdrawn By Applicant 152 $38,972,000 $256,000 $750,000 $117,000 $500,000
File Closed For Incompleteness 92 $23,099,000 $251,000 $1,000,000 $138,000 $516,000
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 217 $23,875,000 $110,000 $1,000,000 $60,000 $293,000
Collateral 85 $12,487,000 $146,000 $750,000 $121,000 $982,000
Credit History 58 $11,239,000 $193,000 $600,000 $89,000 $305,000
Other 36 $8,093,000 $224,000 $2,250,000 $153,000 $1,631,000
Unverifiable Information 6 $1,152,000 $192,000 $334,000 $98,000 $180,000
Mortgage Insurance Denied 3 $642,000 $214,000 $276,000 $74,000 $95,000
Credit Application Incomplete 1 $156,000 $156,000 $156,000 $0 $0
Employment History 1 $126,000 $126,000 $126,000 $35,000 $35,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings Bank's 2004 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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