Hudson City Savings Bank Mortgage Lending & HMDA Data, 2006

In 2006, Hudson City Savings Bank of Paramus, NJ reported 14,864 mortgage applications totaling $5.3 billion, down 11% from 2005. The average application was for $359,576, and applicants reported an average income of $103,264. 49% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Edison, NJ (3,784), New York-White Plains-Wayne, NY-NJ (3,382) and Newark-Union, NJ-PA (2,598) (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 14,864
Total Mortgage Loan Application Amount $5,344,752,000
Average Mortgage Loan Application Amount $359,576
Highest Mortgage Loan Application Amount $2,250,000
Average Applicant Income $103,264
Highest Applicant Income $8,384,000

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(HMDA) records Hudson City Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

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 1,882 $ 613,831,000 $ 326,158 $ 154,000
Ocean, New Jersey 1,529 $ 283,405,000 $ 185,353 $ 95,000
Monmouth, New Jersey 1,090 $ 348,207,000 $ 319,455 $ 147,000
Morris, New Jersey 956 $ 306,616,000 $ 320,728 $ 156,000
Essex, New Jersey 876 $ 269,849,000 $ 308,046 $ 145,000
Middlesex, New Jersey 749 $ 202,493,000 $ 270,351 $ 114,000
Suffolk, New York 550 $ 181,854,000 $ 330,643 $ 110,000
Hudson, New Jersey 489 $ 145,881,000 $ 298,325 $ 125,000
Union, New Jersey 477 $ 147,148,000 $ 308,486 $ 137,000
Somerset, New Jersey 416 $ 165,084,000 $ 396,836 $ 169,000
Passaic, New Jersey 387 $ 91,915,000 $ 237,506 $ 110,000
Fairfield, Connecticut 350 $ 184,383,000 $ 526,808 $ 141,000
Burlington, New Jersey 311 $ 55,718,000 $ 179,157 $ 80,000
Westchester, New York 293 $ 150,055,000 $ 512,133 $ 143,000
Gloucester, New Jersey 265 $ 36,627,000 $ 138,215 $ 60,000
Cook, Illinois 208 $ 121,741,000 $ 585,293 $ 0
Nassau, New York 192 $ 108,964,000 $ 567,520 $ 78,000
Mercer, New Jersey 184 $ 58,780,000 $ 319,456 $ 146,000
Sussex, New Jersey 168 $ 53,129,000 $ 316,244 $ 145,000
Camden, New Jersey 147 $ 16,227,000 $ 110,387 $ 75,000
Fairfax, Virginia 135 $ 79,949,000 $ 592,214 $ 0
Hunterdon, New Jersey 121 $ 46,838,000 $ 387,090 $ 156,000
Warren, New Jersey 121 $ 26,468,000 $ 218,743 $ 107,000
Montgomery, Maryland 105 $ 63,230,000 $ 602,190 $ 0
Richmond, New York 82 $ 27,530,000 $ 335,731 $ 81,000
Loudoun, Virginia 80 $ 48,214,000 $ 602,675 $ 0
Atlantic, New Jersey 74 $ 14,305,000 $ 193,310 $ 116,000
Middlesex, Massachusetts 71 $ 42,770,000 $ 602,394 $ 0
Kings, New York 63 $ 39,891,000 $ 633,190 $ 0
DuPage, Illinois 61 $ 37,178,000 $ 609,475 $ 0
St. Louis, Missouri 61 $ 38,584,000 $ 632,524 $ 0
New York, New York 61 $ 43,522,000 $ 713,475 $ 0
Hennepin, Minnesota 59 $ 35,152,000 $ 595,796 $ 0
Prince George's, Maryland 54 $ 28,406,000 $ 526,037 $ 0
Prince William, Virginia 54 $ 27,287,000 $ 505,314 $ 0
Oakland, Michigan 53 $ 33,260,000 $ 627,547 $ 0
District of Columbia, District Of Columbia 51 $ 29,891,000 $ 586,098 $ 0
Lake, Illinois 51 $ 31,107,000 $ 609,941 $ 0
Rockland, New York 51 $ 22,630,000 $ 443,725 $ 102,000
Orange, New York 50 $ 16,435,000 $ 328,700 $ 103,000
Queens, New York 49 $ 27,464,000 $ 560,489 $ 6,000
Cape May, New Jersey 48 $ 23,837,000 $ 496,604 $ 162,000
Norfolk, Massachusetts 43 $ 27,665,000 $ 643,372 $ 0
Anne Arundel, Maryland 38 $ 23,496,000 $ 618,315 $ 0
Essex, Massachusetts 35 $ 19,981,000 $ 570,885 $ 0
Mecklenburg, North Carolina 33 $ 19,725,000 $ 597,727 $ 0
New Haven, Connecticut 30 $ 14,370,000 $ 479,000 $ 56,000
Chester, Pennsylvania 29 $ 16,317,000 $ 562,655 $ 0
Arlington, Virginia 29 $ 17,596,000 $ 606,758 $ 0
Bucks, Pennsylvania 27 $ 15,877,000 $ 588,037 $ 0
Howard, Maryland 26 $ 13,697,000 $ 526,807 $ 0
Plymouth, Massachusetts 26 $ 14,609,000 $ 561,884 $ 0
Barnstable, Massachusetts 25 $ 14,661,000 $ 586,440 $ 0
Kane, Illinois 24 $ 12,288,000 $ 512,000 $ 0
Baltimore, Maryland 24 $ 13,639,000 $ 568,291 $ 0
Putnam, New York 23 $ 8,730,000 $ 379,565 $ 102,000
Wake, North Carolina 23 $ 13,522,000 $ 587,913 $ 0
Montgomery, Pennsylvania 23 $ 13,174,000 $ 572,782 $ 0
Suffolk, Massachusetts 22 $ 12,319,000 $ 559,954 $ 0
Washington, Minnesota 22 $ 13,296,000 $ 604,363 $ 0
Hamilton, Indiana 21 $ 12,628,000 $ 601,333 $ 0
Hartford, Connecticut 20 $ 9,397,000 $ 469,850 $ 43,000
Johnson, Kansas 20 $ 12,759,000 $ 637,950 $ 0
Hamilton, Ohio 20 $ 13,607,000 $ 680,350 $ 0
Virginia Beach, Virginia 20 $ 11,074,000 $ 553,700 $ 0
Franklin, Ohio 18 $ 9,874,000 $ 548,555 $ 0
Beaufort, South Carolina 18 $ 10,560,000 $ 586,666 $ 0
Waukesha, Wisconsin 18 $ 10,787,000 $ 599,277 $ 0
Cuyahoga, Ohio 17 $ 10,306,000 $ 606,235 $ 0
Delaware, Pennsylvania 17 $ 9,660,000 $ 568,235 $ 0
Charleston, South Carolina 17 $ 10,286,000 $ 605,058 $ 0
Alexandria, Virginia 16 $ 8,870,000 $ 554,375 $ 0
Dane, Wisconsin 16 $ 10,382,000 $ 648,875 $ 0
Will, Illinois 15 $ 7,607,000 $ 507,133 $ 0
Dutchess, New York 15 $ 6,253,000 $ 416,866 $ 39,000
Frederick, Maryland 14 $ 7,976,000 $ 569,714 $ 0
Kent, Michigan 14 $ 8,509,000 $ 607,785 $ 0
Wayne, Michigan 14 $ 7,818,000 $ 558,428 $ 0
Dakota, Minnesota 14 $ 7,997,000 $ 571,214 $ 0
Pulaski, Arkansas 13 $ 7,308,000 $ 562,153 $ 0
Washtenaw, Michigan 13 $ 8,256,000 $ 635,076 $ 0
Ramsey, Minnesota 13 $ 7,088,000 $ 545,230 $ 0
Cumberland, Maine 12 $ 7,165,000 $ 597,083 $ 0
Worcester, Maryland 12 $ 7,317,000 $ 609,750 $ 0
St. Charles, Missouri 12 $ 6,550,000 $ 545,833 $ 0
Williamson, Tennessee 12 $ 6,396,000 $ 533,000 $ 0
Henrico, Virginia 12 $ 6,703,000 $ 558,583 $ 0
Sussex, Delaware 11 $ 6,367,000 $ 578,818 $ 0
Worcester, Massachusetts 11 $ 5,960,000 $ 541,818 $ 0
Dare, North Carolina 11 $ 6,513,000 $ 592,090 $ 0
Philadelphia, Pennsylvania 11 $ 6,212,000 $ 564,727 $ 0
McHenry, Illinois 10 $ 5,686,000 $ 568,600 $ 0
Harford, Maryland 10 $ 5,444,000 $ 544,400 $ 0
Livingston, Michigan 10 $ 4,799,000 $ 479,900 $ 0
New Hanover, North Carolina 10 $ 6,136,000 $ 613,600 $ 0
Washington, Rhode Island 10 $ 6,344,000 $ 634,400 $ 0
Stafford, Virginia 10 $ 4,727,000 $ 472,700 $ 0
Calvert, Maryland 9 $ 4,244,000 $ 471,555 $ 0
Carver, Minnesota 9 $ 4,876,000 $ 541,777 $ 0
Litchfield, Connecticut 8 $ 4,185,000 $ 523,125 $ 86,000
New Castle, Delaware 8 $ 4,760,000 $ 595,000 $ 0
Charles, Maryland 8 $ 4,438,000 $ 554,750 $ 0
Albemarle, Virginia 8 $ 5,552,000 $ 694,000 $ 0
Chesapeake, Virginia 8 $ 4,230,000 $ 528,750 $ 0
Chesterfield, Virginia 8 $ 3,792,000 $ 474,000 $ 0
Middlesex, Connecticut 7 $ 3,599,000 $ 514,142 $ 19,000
Polk, Iowa 7 $ 4,132,000 $ 590,285 $ 0
Baltimore City, Maryland 7 $ 4,159,000 $ 594,142 $ 0
Carroll, Maryland 7 $ 3,474,000 $ 496,285 $ 0
Scott, Minnesota 7 $ 5,053,000 $ 721,857 $ 0
Rockingham, New Hampshire 7 $ 4,053,000 $ 579,000 $ 0
Delaware, Ohio 7 $ 4,246,000 $ 606,571 $ 0
Allegheny, Pennsylvania 7 $ 4,242,000 $ 606,000 $ 0
Greenville, South Carolina 7 $ 3,546,000 $ 506,571 $ 0
Knox, Tennessee 7 $ 4,631,000 $ 661,571 $ 0
Fauquier, Virginia 7 $ 3,393,000 $ 484,714 $ 0
Richmond City, Virginia 7 $ 4,126,000 $ 589,428 $ 0
Marion, Indiana 6 $ 3,845,000 $ 640,833 $ 0
Garrett, Maryland 6 $ 3,860,000 $ 643,333 $ 0
Bristol, Massachusetts 6 $ 3,619,000 $ 603,166 $ 0
Macomb, Michigan 6 $ 3,654,000 $ 609,000 $ 0
Anoka, Minnesota 6 $ 2,662,000 $ 443,666 $ 0
Lucas, Ohio 6 $ 3,711,000 $ 618,500 $ 0
Horry, South Carolina 6 $ 4,508,000 $ 751,333 $ 0
Davidson, Tennessee 6 $ 4,373,000 $ 728,833 $ 0
Milwaukee, Wisconsin 6 $ 3,488,000 $ 581,333 $ 0
New London, Connecticut 5 $ 3,036,000 $ 607,200 $ 120,000
St. Mary's, Maryland 5 $ 2,288,000 $ 457,600 $ 0
Crow Wing, Minnesota 5 $ 3,066,000 $ 613,200 $ 0
Jackson, Missouri 5 $ 2,820,000 $ 564,000 $ 0
Ulster, New York 5 $ 2,646,000 $ 529,200 $ 28,000
Watauga, North Carolina 5 $ 2,820,000 $ 564,000 $ 0
Lancaster, Pennsylvania 5 $ 2,749,000 $ 549,800 $ 0
Northampton, Pennsylvania 5 $ 2,969,000 $ 593,800 $ 0
Providence, Rhode Island 5 $ 3,343,000 $ 668,600 $ 0
York, South Carolina 5 $ 2,666,000 $ 533,200 $ 0
Spotsylvania, Virginia 5 $ 2,345,000 $ 469,000 $ 0
Ozaukee, Wisconsin 5 $ 2,892,000 $ 578,400 $ 0
Craighead, Arkansas 4 $ 2,578,000 $ 644,500 $ 0
Champaign, Illinois 4 $ 2,024,000 $ 506,000 $ 0
Boone, Indiana 4 $ 2,403,000 $ 600,750 $ 0
Johnson, Indiana 4 $ 2,754,000 $ 688,500 $ 0
Lake, Indiana 4 $ 2,422,000 $ 605,500 $ 0
Oldham, Kentucky 4 $ 2,671,000 $ 667,750 $ 0
Genesee, Michigan 4 $ 2,332,000 $ 583,000 $ 0
Leelanau, Michigan 4 $ 2,890,000 $ 722,500 $ 0
Greene, Missouri 4 $ 2,702,000 $ 675,500 $ 0
St. Louis City, Missouri 4 $ 2,541,000 $ 635,250 $ 0
Salem, New Jersey 4 $ 342,000 $ 85,500 $ 92,000
Carteret, North Carolina 4 $ 2,692,000 $ 673,000 $ 0
Durham, North Carolina 4 $ 3,111,000 $ 777,750 $ 0
Guilford, North Carolina 4 $ 2,229,000 $ 557,250 $ 0
Summit, Ohio 4 $ 2,711,000 $ 677,750 $ 0
Lehigh, Pennsylvania 4 $ 2,155,000 $ 538,750 $ 0
Kent, Rhode Island 4 $ 2,356,000 $ 589,000 $ 0
Richland, South Carolina 4 $ 2,334,000 $ 583,500 $ 0
Shelby, Tennessee 4 $ 2,048,000 $ 512,000 $ 0
Sumner, Tennessee 4 $ 1,895,000 $ 473,750 $ 0
Windsor, Vermont 4 $ 1,847,000 $ 461,750 $ 0
Franklin, Virginia 4 $ 2,273,000 $ 568,250 $ 0
Goochland, Virginia 4 $ 2,627,000 $ 656,750 $ 0
James City, Virginia 4 $ 2,390,000 $ 597,500 $ 0
Norfolk, Virginia 4 $ 2,096,000 $ 524,000 $ 0
Walworth, Wisconsin 4 $ 2,872,000 $ 718,000 $ 0
Anchorage, Alaska 3 $ 2,493,000 $ 831,000 $ 0
McLean, Illinois 3 $ 1,530,000 $ 510,000 $ 0
Vanderburgh, Indiana 3 $ 1,613,000 $ 537,666 $ 0
Johnson, Iowa 3 $ 1,823,000 $ 607,666 $ 0
York, Maine 3 $ 1,331,000 $ 443,666 $ 0
Washington, Maryland 3 $ 1,546,000 $ 515,333 $ 0
Kalamazoo, Michigan 3 $ 1,839,000 $ 613,000 $ 0
Cass, Minnesota 3 $ 1,953,000 $ 651,000 $ 0
Olmsted, Minnesota 3 $ 2,170,000 $ 723,333 $ 0
Platte, Missouri 3 $ 1,984,000 $ 661,333 $ 0
Lancaster, Nebraska 3 $ 1,925,000 $ 641,666 $ 0
Hillsborough, New Hampshire 3 $ 1,511,000 $ 503,666 $ 0
Albany, New York 3 $ 828,000 $ 276,000 $ 0
Brunswick, North Carolina 3 $ 1,657,000 $ 552,333 $ 0
Chatham, North Carolina 3 $ 1,682,000 $ 560,666 $ 0
Jackson, North Carolina 3 $ 2,439,000 $ 813,000 $ 0
Orange, North Carolina 3 $ 1,818,000 $ 606,000 $ 0
Union, North Carolina 3 $ 1,101,000 $ 367,000 $ 0
Butler, Ohio 3 $ 1,633,000 $ 544,333 $ 0
Warren, Ohio 3 $ 1,364,000 $ 454,666 $ 0
Berks, Pennsylvania 3 $ 1,924,000 $ 641,333 $ 0
Westmoreland, Pennsylvania 3 $ 1,117,000 $ 372,333 $ 0
Bristol, Rhode Island 3 $ 1,832,000 $ 610,666 $ 0
Chittenden, Vermont 3 $ 1,635,000 $ 545,000 $ 0
Louisa, Virginia 3 $ 1,698,000 $ 566,000 $ 0
Brown, Wisconsin 3 $ 1,368,000 $ 456,000 $ 0
St. Croix, Wisconsin 3 $ 1,678,000 $ 559,333 $ 0
Benton, Arkansas 2 $ 1,746,000 $ 873,000 $ 0
Tolland, Connecticut 2 $ 895,000 $ 447,500 $ 0
Hendricks, Indiana 2 $ 976,000 $ 488,000 $ 0
Monroe, Indiana 2 $ 1,465,000 $ 732,500 $ 0
St. Joseph, Indiana 2 $ 1,398,000 $ 699,000 $ 0
Dallas, Iowa 2 $ 1,026,000 $ 513,000 $ 0
Douglas, Kansas 2 $ 727,000 $ 363,500 $ 0
Fayette, Kentucky 2 $ 1,992,000 $ 996,000 $ 0
Jefferson, Kentucky 2 $ 1,278,000 $ 639,000 $ 0
Shelby, Kentucky 2 $ 1,197,000 $ 598,500 $ 0
Cecil, Maryland 2 $ 1,115,000 $ 557,500 $ 0
Berkshire, Massachusetts 2 $ 1,188,000 $ 594,000 $ 0
Dukes, Massachusetts 2 $ 1,748,000 $ 874,000 $ 0
Nantucket, Massachusetts 2 $ 1,237,000 $ 618,500 $ 0
Ottawa, Michigan 2 $ 1,071,000 $ 535,500 $ 0
Chisago, Minnesota 2 $ 942,000 $ 471,000 $ 0
St. Louis, Minnesota 2 $ 1,016,000 $ 508,000 $ 0
Jefferson, Missouri 2 $ 1,353,000 $ 676,500 $ 0
Warren, Missouri 2 $ 1,299,000 $ 649,500 $ 0
Belknap, New Hampshire 2 $ 1,733,000 $ 866,500 $ 0
Cumberland, New Jersey 2 $ 281,000 $ 140,500 $ 220,000
Bronx, New York 2 $ 918,000 $ 459,000 $ 26,000
Saratoga, New York 2 $ 938,000 $ 469,000 $ 0
Buncombe, North Carolina 2 $ 762,000 $ 381,000 $ 0
Forsyth, North Carolina 2 $ 900,000 $ 450,000 $ 0
Gaston, North Carolina 2 $ 1,333,000 $ 666,500 $ 0
Harnett, North Carolina 2 $ 796,000 $ 398,000 $ 0
Moore, North Carolina 2 $ 1,528,000 $ 764,000 $ 0
Onslow, North Carolina 2 $ 1,199,000 $ 599,500 $ 0
Yancey, North Carolina 2 $ 1,397,000 $ 698,500 $ 0
Erie, Ohio 2 $ 1,312,000 $ 656,000 $ 0
Geauga, Ohio 2 $ 1,001,000 $ 500,500 $ 0
Licking, Ohio 2 $ 1,051,000 $ 525,500 $ 0
Montgomery, Ohio 2 $ 1,392,000 $ 696,000 $ 0
Stark, Ohio 2 $ 1,464,000 $ 732,000 $ 0
Adams, Pennsylvania 2 $ 895,000 $ 447,500 $ 0
Butler, Pennsylvania 2 $ 1,288,000 $ 644,000 $ 0
Franklin, Pennsylvania 2 $ 1,198,000 $ 599,000 $ 0
Monroe, Pennsylvania 2 $ 1,007,000 $ 503,500 $ 0
Washington, Pennsylvania 2 $ 939,000 $ 469,500 $ 0
York, Pennsylvania 2 $ 1,177,000 $ 588,500 $ 0
Newport, Rhode Island 2 $ 1,174,000 $ 587,000 $ 0
Aiken, South Carolina 2 $ 1,220,000 $ 610,000 $ 0
Georgetown, South Carolina 2 $ 875,000 $ 437,500 $ 0
Lexington, South Carolina 2 $ 1,423,000 $ 711,500 $ 0
Pickens, South Carolina 2 $ 996,000 $ 498,000 $ 0
Minnehaha, South Dakota 2 $ 1,347,000 $ 673,500 $ 0
Blount, Tennessee 2 $ 1,113,000 $ 556,500 $ 0
Loudon, Tennessee 2 $ 1,144,000 $ 572,000 $ 0
Sullivan, Tennessee 2 $ 1,442,000 $ 721,000 $ 0
Windham, Vermont 2 $ 1,245,000 $ 622,500 $ 0
Charlottesville, Virginia 2 $ 1,202,000 $ 601,000 $ 0
Fairfax City, Virginia 2 $ 992,000 $ 496,000 $ 0
Frederick, Virginia 2 $ 1,102,000 $ 551,000 $ 0
Hanover, Virginia 2 $ 883,000 $ 441,500 $ 0
Nelson, Virginia 2 $ 1,221,000 $ 610,500 $ 0
Orange, Virginia 2 $ 878,000 $ 439,000 $ 0
Powhatan, Virginia 2 $ 1,200,000 $ 600,000 $ 0
Roanoke City, Virginia 2 $ 1,184,000 $ 592,000 $ 0
Shenandoah, Virginia 2 $ 1,005,000 $ 502,500 $ 0
Winchester, Virginia 2 $ 858,000 $ 429,000 $ 0
York, Virginia 2 $ 1,154,000 $ 577,000 $ 0
Monongalia, West Virginia 2 $ 1,058,000 $ 529,000 $ 0
Door, Wisconsin 2 $ 1,478,000 $ 739,000 $ 0
Fond du Lac, Wisconsin 2 $ 733,000 $ 366,500 $ 0
Green Lake, Wisconsin 2 $ 1,338,000 $ 669,000 $ 0
Kenosha, Wisconsin 2 $ 1,546,000 $ 773,000 $ 0
Maricopa, Arizona 1 $ 457,000 $ 457,000 $ 0
Sebastian, Arkansas 1 $ 490,000 $ 490,000 $ 0
Van Buren, Arkansas 1 $ 483,000 $ 483,000 $ 0
Windham, Connecticut 1 $ 427,000 $ 427,000 $ 0
Palm Beach, Florida 1 $ 503,000 $ 503,000 $ 0
Adams, Illinois 1 $ 587,000 $ 587,000 $ 0
Kendall, Illinois 1 $ 420,000 $ 420,000 $ 0
Lee, Illinois 1 $ 484,000 $ 484,000 $ 0
Peoria, Illinois 1 $ 936,000 $ 936,000 $ 0
St. Clair, Illinois 1 $ 475,000 $ 475,000 $ 0
Tazewell, Illinois 1 $ 106,000 $ 106,000 $ 0
Winnebago, Illinois 1 $ 596,000 $ 596,000 $ 0
Allen, Indiana 1 $ 513,000 $ 513,000 $ 0
Clark, Indiana 1 $ 599,000 $ 599,000 $ 0
Floyd, Indiana 1 $ 449,000 $ 449,000 $ 0
Hancock, Indiana 1 $ 448,000 $ 448,000 $ 0
Kosciusko, Indiana 1 $ 566,000 $ 566,000 $ 0
LaGrange, Indiana 1 $ 439,000 $ 439,000 $ 0
Porter, Indiana 1 $ 648,000 $ 648,000 $ 0
Tippecanoe, Indiana 1 $ 504,000 $ 504,000 $ 0
Black Hawk, Iowa 1 $ 498,000 $ 498,000 $ 0
Dickinson, Iowa 1 $ 719,000 $ 719,000 $ 0
Dubuque, Iowa 1 $ 559,000 $ 559,000 $ 0
Linn, Iowa 1 $ 700,000 $ 700,000 $ 0
Mahaska, Iowa 1 $ 121,000 $ 121,000 $ 0
Scott, Iowa 1 $ 588,000 $ 588,000 $ 0
Story, Iowa 1 $ 529,000 $ 529,000 $ 0
Warren, Iowa 1 $ 84,000 $ 84,000 $ 0
Leavenworth, Kansas 1 $ 459,000 $ 459,000 $ 0
Miami, Kansas 1 $ 649,000 $ 649,000 $ 0
Sedgwick, Kansas 1 $ 447,000 $ 447,000 $ 0
Boone, Kentucky 1 $ 626,000 $ 626,000 $ 0
Bullitt, Kentucky 1 $ 495,000 $ 495,000 $ 0
Daviess, Kentucky 1 $ 791,000 $ 791,000 $ 0
Henry, Kentucky 1 $ 517,000 $ 517,000 $ 0
Jessamine, Kentucky 1 $ 397,000 $ 397,000 $ 0
Madison, Kentucky 1 $ 430,000 $ 430,000 $ 0
Pendleton, Kentucky 1 $ 431,000 $ 431,000 $ 0
Franklin, Maine 1 $ 649,000 $ 649,000 $ 0
Hancock, Maine 1 $ 445,000 $ 445,000 $ 0
Knox, Maine 1 $ 599,000 $ 599,000 $ 0
Dorchester, Maryland 1 $ 538,000 $ 538,000 $ 0
Kent, Maryland 1 $ 797,000 $ 797,000 $ 0
Queen Anne's, Maryland 1 $ 777,000 $ 777,000 $ 0
Talbot, Maryland 1 $ 586,000 $ 586,000 $ 0
Wicomico, Maryland 1 $ 638,000 $ 638,000 $ 0
Franklin, Massachusetts 1 $ 480,000 $ 480,000 $ 0
Hampden, Massachusetts 1 $ 430,000 $ 430,000 $ 0
Benzie, Michigan 1 $ 591,000 $ 591,000 $ 0
Berrien, Michigan 1 $ 480,000 $ 480,000 $ 0
Cass, Michigan 1 $ 800,000 $ 800,000 $ 0
Charlevoix, Michigan 1 $ 561,000 $ 561,000 $ 0
Grand Traverse, Michigan 1 $ 459,000 $ 459,000 $ 0
Ingham, Michigan 1 $ 558,000 $ 558,000 $ 0
Ionia, Michigan 1 $ 445,000 $ 445,000 $ 0
Isabella, Michigan 1 $ 489,000 $ 489,000 $ 0
Lapeer, Michigan 1 $ 698,000 $ 698,000 $ 0
Lenawee, Michigan 1 $ 525,000 $ 525,000 $ 0
Midland, Michigan 1 $ 115,000 $ 115,000 $ 0
Monroe, Michigan 1 $ 540,000 $ 540,000 $ 0
Muskegon, Michigan 1 $ 530,000 $ 530,000 $ 0
Oceana, Michigan 1 $ 511,000 $ 511,000 $ 0
Shiawassee, Michigan 1 $ 417,000 $ 417,000 $ 0
St. Clair, Michigan 1 $ 500,000 $ 500,000 $ 0
St. Joseph, Michigan 1 $ 476,000 $ 476,000 $ 0
Douglas, Minnesota 1 $ 535,000 $ 535,000 $ 0
Houston, Minnesota 1 $ 972,000 $ 972,000 $ 0
Isanti, Minnesota 1 $ 470,000 $ 470,000 $ 0
Kandiyohi, Minnesota 1 $ 475,000 $ 475,000 $ 0
Lake, Minnesota 1 $ 466,000 $ 466,000 $ 0
Otter Tail, Minnesota 1 $ 535,000 $ 535,000 $ 0
Sherburne, Minnesota 1 $ 894,000 $ 894,000 $ 0
Stearns, Minnesota 1 $ 509,000 $ 509,000 $ 0
Wabasha, Minnesota 1 $ 996,000 $ 996,000 $ 0
Wright, Minnesota 1 $ 499,000 $ 499,000 $ 0
Camden, Missouri 1 $ 649,000 $ 649,000 $ 0
Cass, Missouri 1 $ 531,000 $ 531,000 $ 0
Christian, Missouri 1 $ 510,000 $ 510,000 $ 0
Franklin, Missouri 1 $ 780,000 $ 780,000 $ 0
Newton, Missouri 1 $ 510,000 $ 510,000 $ 0
Douglas, Nebraska 1 $ 471,000 $ 471,000 $ 0
Sarpy, Nebraska 1 $ 538,000 $ 538,000 $ 0
Saunders, Nebraska 1 $ 499,000 $ 499,000 $ 0
Carroll, New Hampshire 1 $ 718,000 $ 718,000 $ 0
Grafton, New Hampshire 1 $ 544,000 $ 544,000 $ 0
Broome, New York 1 $ 649,000 $ 649,000 $ 0
Columbia, New York 1 $ 480,000 $ 480,000 $ 0
Delaware, New York 1 $ 620,000 $ 620,000 $ 0
Erie, New York 1 $ 160,000 $ 160,000 $ 0
Montgomery, New York 1 $ 50,000 $ 50,000 $ 0
Warren, New York 1 $ 574,000 $ 574,000 $ 0
Washington, New York 1 $ 650,000 $ 650,000 $ 0
Alamance, North Carolina 1 $ 518,000 $ 518,000 $ 0
Caldwell, North Carolina 1 $ 681,000 $ 681,000 $ 0
Catawba, North Carolina 1 $ 594,000 $ 594,000 $ 0
Craven, North Carolina 1 $ 638,000 $ 638,000 $ 0
Currituck, North Carolina 1 $ 989,000 $ 989,000 $ 0
Davidson, North Carolina 1 $ 449,000 $ 449,000 $ 0
Franklin, North Carolina 1 $ 541,000 $ 541,000 $ 0
Graham, North Carolina 1 $ 499,000 $ 499,000 $ 0
Granville, North Carolina 1 $ 468,000 $ 468,000 $ 0
Haywood, North Carolina 1 $ 831,000 $ 831,000 $ 0
Henderson, North Carolina 1 $ 484,000 $ 484,000 $ 0
Iredell, North Carolina 1 $ 508,000 $ 508,000 $ 0
Johnston, North Carolina 1 $ 421,000 $ 421,000 $ 0
McDowell, North Carolina 1 $ 507,000 $ 507,000 $ 0
Montgomery, North Carolina 1 $ 940,000 $ 940,000 $ 0
Nash, North Carolina 1 $ 519,000 $ 519,000 $ 0
Pamlico, North Carolina 1 $ 540,000 $ 540,000 $ 0
Pender, North Carolina 1 $ 624,000 $ 624,000 $ 0
Perquimans, North Carolina 1 $ 549,000 $ 549,000 $ 0
Polk, North Carolina 1 $ 957,000 $ 957,000 $ 0
Randolph, North Carolina 1 $ 482,000 $ 482,000 $ 0
Stanly, North Carolina 1 $ 498,000 $ 498,000 $ 0
Wilkes, North Carolina 1 $ 499,000 $ 499,000 $ 0
Burleigh, North Dakota 1 $ 504,000 $ 504,000 $ 0
Athens, Ohio 1 $ 421,000 $ 421,000 $ 0
Clermont, Ohio 1 $ 707,000 $ 707,000 $ 0
Greene, Ohio 1 $ 613,000 $ 613,000 $ 0
Lake, Ohio 1 $ 641,000 $ 641,000 $ 0
Mahoning, Ohio 1 $ 115,000 $ 115,000 $ 0
Marion, Ohio 1 $ 451,000 $ 451,000 $ 0
Medina, Ohio 1 $ 478,000 $ 478,000 $ 0
Ottawa, Ohio 1 $ 499,000 $ 499,000 $ 0
Richland, Ohio 1 $ 75,000 $ 75,000 $ 0
Shelby, Ohio 1 $ 557,000 $ 557,000 $ 0
Blair, Pennsylvania 1 $ 452,000 $ 452,000 $ 0
Centre, Pennsylvania 1 $ 472,000 $ 472,000 $ 0
Dauphin, Pennsylvania 1 $ 751,000 $ 751,000 $ 0
Luzerne, Pennsylvania 1 $ 485,000 $ 485,000 $ 0
Colleton, South Carolina 1 $ 639,000 $ 639,000 $ 0
Sumter, South Carolina 1 $ 512,000 $ 512,000 $ 0
Codington, South Dakota 1 $ 628,000 $ 628,000 $ 0
Anderson, Tennessee 1 $ 529,000 $ 529,000 $ 0
Carter, Tennessee 1 $ 460,000 $ 460,000 $ 0
Fayette, Tennessee 1 $ 422,000 $ 422,000 $ 0
Hamilton, Tennessee 1 $ 450,000 $ 450,000 $ 0
Jefferson, Tennessee 1 $ 449,000 $ 449,000 $ 0
Monroe, Tennessee 1 $ 175,000 $ 175,000 $ 0
Union, Tennessee 1 $ 646,000 $ 646,000 $ 0
Rockwall, Texas 1 $ 598,000 $ 598,000 $ 0
Bennington, Vermont 1 $ 579,000 $ 579,000 $ 0
Lamoille, Vermont 1 $ 489,000 $ 489,000 $ 0
Accomack, Virginia 1 $ 477,000 $ 477,000 $ 0
Bedford, Virginia 1 $ 566,000 $ 566,000 $ 0
Botetourt, Virginia 1 $ 471,000 $ 471,000 $ 0
Buena Vista, Virginia 1 $ 472,000 $ 472,000 $ 0
Clarke, Virginia 1 $ 945,000 $ 945,000 $ 0
Fredericksburg, Virginia 1 $ 877,000 $ 877,000 $ 0
Greene, Virginia 1 $ 520,000 $ 520,000 $ 0
Hampton, Virginia 1 $ 534,000 $ 534,000 $ 0
King George, Virginia 1 $ 444,000 $ 444,000 $ 0
Lancaster, Virginia 1 $ 555,000 $ 555,000 $ 0
Mathews, Virginia 1 $ 604,000 $ 604,000 $ 0
Mecklenburg, Virginia 1 $ 497,000 $ 497,000 $ 0
Middlesex, Virginia 1 $ 421,000 $ 421,000 $ 0
Newport News, Virginia 1 $ 172,000 $ 172,000 $ 0
Northumberland, Virginia 1 $ 569,000 $ 569,000 $ 0
Portsmouth, Virginia 1 $ 646,000 $ 646,000 $ 0
Rockingham, Virginia 1 $ 500,000 $ 500,000 $ 0
Suffolk, Virginia 1 $ 627,000 $ 627,000 $ 0
Williamsburg, Virginia 1 $ 444,000 $ 444,000 $ 0
Berkeley, West Virginia 1 $ 563,000 $ 563,000 $ 0
Greenbrier, West Virginia 1 $ 972,000 $ 972,000 $ 0
Ohio, West Virginia 1 $ 423,000 $ 423,000 $ 0
Pocahontas, West Virginia 1 $ 285,000 $ 285,000 $ 0
Raleigh, West Virginia 1 $ 484,000 $ 484,000 $ 0
Barron, Wisconsin 1 $ 589,000 $ 589,000 $ 0
Chippewa, Wisconsin 1 $ 996,000 $ 996,000 $ 0
Columbia, Wisconsin 1 $ 755,000 $ 755,000 $ 0
Green, Wisconsin 1 $ 475,000 $ 475,000 $ 0
Marinette, Wisconsin 1 $ 674,000 $ 674,000 $ 0
Oconto, Wisconsin 1 $ 67,000 $ 67,000 $ 0
Oneida, Wisconsin 1 $ 551,000 $ 551,000 $ 0
Pierce, Wisconsin 1 $ 452,000 $ 452,000 $ 0
Racine, Wisconsin 1 $ 434,000 $ 434,000 $ 0
Rock, Wisconsin 1 $ 533,000 $ 533,000 $ 0
Sheboygan, Wisconsin 1 $ 532,000 $ 532,000 $ 0

Mortgage Loan Application Detail Totals for Hudson City Savings Bank in 2006

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 6,594 $2,954,174,000 $448,000 $2,093,000 $116,000 $8,384,000
Refinancing 6,577 $2,292,248,000 $348,000 $2,250,000 $97,000 $6,960,000
Home Improvement 1,693 $98,330,000 $58,000 $972,000 $78,000 $850,000

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 6,506 $2,006,406,000 $308,000 $2,250,000 $162,000 $6,960,000
Not applicable 6,098 $2,700,096,000 $442,000 $2,093,000 $27,000 $1,657,000
Asian 1,371 $488,375,000 $356,000 $1,700,000 $157,000 $8,384,000
Not Provided 386 $27,579,000 $71,000 $800,000 $106,000 $750,000
Hispanic 320 $81,023,000 $253,000 $900,000 $112,000 $625,000
Black or African American 158 $34,627,000 $219,000 $836,000 $121,000 $1,163,000
American Indian or Alaskan Native 15 $4,258,000 $283,000 $750,000 $117,000 $318,000
Native Hawaiian or Other Pacific Islander 10 $2,388,000 $238,000 $615,000 $139,000 $299,000

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) 14,864 $5,344,752,000 $359,000 $2,250,000 $103,000 $8,384,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $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 Originated 7,337 $2,328,617,000 $317,000 $2,250,000 $163,000 $8,384,000
Loan Purchased By The Institution 6,095 $2,698,615,000 $442,000 $2,093,000 $27,000 $1,657,000
Application Denied By Financial Institution 810 $130,605,000 $161,000 $1,700,000 $86,000 $820,000
Application Approved But Not Accepted 347 $103,265,000 $297,000 $1,560,000 $178,000 $1,771,000
Application Withdrawn By Applicant 148 $44,820,000 $302,000 $1,091,000 $136,000 $914,000
File Closed For Incompleteness 127 $38,830,000 $305,000 $2,000,000 $157,000 $1,838,000
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 521 $55,887,000 $107,000 $1,000,000 $57,000 $300,000
Collateral 111 $25,180,000 $226,000 $1,000,000 $149,000 $819,000
Other 89 $25,301,000 $284,000 $1,700,000 $152,000 $820,000
Credit History 76 $19,853,000 $261,000 $675,000 $107,000 $688,000
Unverifiable Information 6 $2,649,000 $441,000 $676,000 $146,000 $300,000
Credit Application Incomplete 4 $703,000 $175,000 $343,000 $67,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,032,000 $344,000 $550,000 $89,000 $120,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings Bank's 2006 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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