Hudson City Savings Bank Mortgage Lending & HMDA Data, 2007

In 2007, Hudson City Savings Bank of Paramus, NJ reported 16,667 mortgage applications totaling $7.8 billion, up 12% from 2006. The average application was for $466,144, and applicants reported an average income of $114,412. 45% of its applications resulted in an originated loan and 5% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (3,417), Edison, NJ (3,202) and Newark-Union, NJ-PA (2,433) (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 16,667
Total Mortgage Loan Application Amount $7,769,223,000
Average Mortgage Loan Application Amount $466,144
Highest Mortgage Loan Application Amount $3,325,000
Average Applicant Income $114,412
Highest Applicant Income $3,913,000

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(HMDA) records Hudson City Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 1,727 $ 719,753,000 $ 416,764 $ 179,000
Ocean, New Jersey 1,343 $ 310,622,000 $ 231,289 $ 95,000
Fairfield, Connecticut 1,323 $ 772,646,000 $ 584,010 $ 222,000
Monmouth, New Jersey 906 $ 362,840,000 $ 400,485 $ 164,000
Morris, New Jersey 895 $ 374,932,000 $ 418,918 $ 176,000
Essex, New Jersey 837 $ 321,507,000 $ 384,118 $ 165,000
Middlesex, New Jersey 607 $ 185,360,000 $ 305,370 $ 119,000
Hudson, New Jersey 535 $ 204,451,000 $ 382,151 $ 154,000
Suffolk, New York 478 $ 271,304,000 $ 567,581 $ 168,000
Westchester, New York 460 $ 276,871,000 $ 601,893 $ 188,000
Cook, Illinois 423 $ 262,609,000 $ 620,825 $ 0
Union, New Jersey 422 $ 176,147,000 $ 417,409 $ 174,000
Somerset, New Jersey 346 $ 166,270,000 $ 480,549 $ 195,000
Nassau, New York 312 $ 200,623,000 $ 643,022 $ 132,000
Passaic, New Jersey 298 $ 84,570,000 $ 283,791 $ 127,000
Fairfax, Virginia 259 $ 153,337,000 $ 592,034 $ 0
Montgomery, Maryland 246 $ 151,103,000 $ 614,239 $ 0
Mercer, New Jersey 169 $ 61,776,000 $ 365,538 $ 163,000
Sussex, New Jersey 149 $ 49,769,000 $ 334,020 $ 144,000
Burlington, New Jersey 137 $ 30,996,000 $ 226,248 $ 95,000
Hunterdon, New Jersey 129 $ 59,613,000 $ 462,116 $ 166,000
Middlesex, Massachusetts 127 $ 76,888,000 $ 605,417 $ 0
DuPage, Illinois 118 $ 74,192,000 $ 628,745 $ 0
Hennepin, Minnesota 112 $ 71,748,000 $ 640,607 $ 0
St. Louis, Missouri 111 $ 74,334,000 $ 669,675 $ 0
Loudoun, Virginia 110 $ 60,902,000 $ 553,654 $ 0
Lake, Illinois 102 $ 66,096,000 $ 648,000 $ 0
Camden, New Jersey 99 $ 18,141,000 $ 183,242 $ 100,000
New York, New York 97 $ 74,406,000 $ 767,072 $ 0
District of Columbia, District Of Columbia 91 $ 53,892,000 $ 592,219 $ 0
Oakland, Michigan 91 $ 57,241,000 $ 629,021 $ 0
Prince George's, Maryland 83 $ 43,101,000 $ 519,289 $ 0
Gloucester, New Jersey 80 $ 15,744,000 $ 196,800 $ 81,000
Warren, New Jersey 79 $ 18,429,000 $ 233,278 $ 94,000
Hartford, Connecticut 77 $ 34,446,000 $ 447,350 $ 160,000
Anne Arundel, Maryland 77 $ 43,598,000 $ 566,207 $ 0
New Haven, Connecticut 76 $ 42,103,000 $ 553,986 $ 176,000
Richmond, New York 76 $ 30,958,000 $ 407,342 $ 80,000
Rockland, New York 69 $ 35,073,000 $ 508,304 $ 133,000
Norfolk, Massachusetts 68 $ 40,123,000 $ 590,044 $ 0
Kings, New York 67 $ 41,261,000 $ 615,835 $ 2,000
Baltimore, Maryland 56 $ 29,567,000 $ 527,982 $ 0
Essex, Massachusetts 56 $ 31,080,000 $ 555,000 $ 0
Cape May, New Jersey 55 $ 30,140,000 $ 548,000 $ 143,000
Atlantic, New Jersey 54 $ 19,209,000 $ 355,722 $ 148,000
Queens, New York 54 $ 29,195,000 $ 540,648 $ 3,000
Prince William, Virginia 54 $ 28,932,000 $ 535,777 $ 0
Howard, Maryland 53 $ 28,690,000 $ 541,320 $ 0
Wake, North Carolina 50 $ 28,005,000 $ 560,100 $ 0
Montgomery, Pennsylvania 49 $ 26,770,000 $ 546,326 $ 0
Arlington, Virginia 49 $ 29,806,000 $ 608,285 $ 0
Orange, New York 44 $ 19,085,000 $ 433,750 $ 84,000
Plymouth, Massachusetts 43 $ 24,341,000 $ 566,069 $ 0
Bucks, Pennsylvania 36 $ 22,250,000 $ 618,055 $ 0
Alexandria, Virginia 35 $ 19,192,000 $ 548,342 $ 0
Putnam, New York 32 $ 16,320,000 $ 510,000 $ 179,000
Kane, Illinois 30 $ 17,128,000 $ 570,933 $ 0
Litchfield, Connecticut 29 $ 16,856,000 $ 581,241 $ 232,000
Hamilton, Indiana 29 $ 17,852,000 $ 615,586 $ 0
Mecklenburg, North Carolina 29 $ 17,384,000 $ 599,448 $ 0
Chester, Pennsylvania 29 $ 16,428,000 $ 566,482 $ 0
Charleston, South Carolina 28 $ 16,474,000 $ 588,357 $ 0
Williamson, Tennessee 28 $ 17,255,000 $ 616,250 $ 0
Barnstable, Massachusetts 27 $ 18,403,000 $ 681,592 $ 0
Waukesha, Wisconsin 26 $ 14,376,000 $ 552,923 $ 0
Dakota, Minnesota 25 $ 14,183,000 $ 567,320 $ 0
Dane, Wisconsin 25 $ 13,604,000 $ 544,160 $ 0
Sussex, Delaware 24 $ 13,859,000 $ 577,458 $ 0
Suffolk, Massachusetts 24 $ 14,784,000 $ 616,000 $ 0
Delaware, Pennsylvania 24 $ 14,597,000 $ 608,208 $ 0
Davidson, Tennessee 24 $ 14,427,000 $ 601,125 $ 0
Middlesex, Connecticut 23 $ 12,162,000 $ 528,782 $ 94,000
Washtenaw, Michigan 23 $ 15,418,000 $ 670,347 $ 0
Hamilton, Ohio 23 $ 15,049,000 $ 654,304 $ 0
Johnson, Kansas 22 $ 15,854,000 $ 720,636 $ 0
Washington, Minnesota 22 $ 13,287,000 $ 603,954 $ 0
Orange, North Carolina 22 $ 12,409,000 $ 564,045 $ 0
New London, Connecticut 21 $ 9,980,000 $ 475,238 $ 282,000
Will, Illinois 21 $ 10,976,000 $ 522,666 $ 0
Jefferson, Kentucky 20 $ 11,634,000 $ 581,700 $ 0
Wayne, Michigan 20 $ 10,965,000 $ 548,250 $ 0
Ramsey, Minnesota 19 $ 11,478,000 $ 604,105 $ 0
New Castle, Delaware 18 $ 9,532,000 $ 529,555 $ 0
Cuyahoga, Ohio 18 $ 8,192,000 $ 455,111 $ 0
Chesterfield, Virginia 18 $ 9,909,000 $ 550,500 $ 0
Virginia Beach, Virginia 18 $ 9,869,000 $ 548,277 $ 0
Scott, Minnesota 17 $ 10,635,000 $ 625,588 $ 0
Philadelphia, Pennsylvania 17 $ 7,882,000 $ 463,647 $ 0
Beaufort, South Carolina 17 $ 9,925,000 $ 583,823 $ 0
Henrico, Virginia 17 $ 9,853,000 $ 579,588 $ 0
Calvert, Maryland 16 $ 9,396,000 $ 587,250 $ 0
Frederick, Maryland 16 $ 8,106,000 $ 506,625 $ 0
Worcester, Massachusetts 16 $ 8,807,000 $ 550,437 $ 0
Franklin, Ohio 16 $ 9,591,000 $ 599,437 $ 0
Charles, Maryland 15 $ 8,616,000 $ 574,400 $ 0
Marion, Indiana 14 $ 6,961,000 $ 497,214 $ 0
Dutchess, New York 14 $ 7,376,000 $ 526,857 $ 16,000
New Hanover, North Carolina 14 $ 8,629,000 $ 616,357 $ 0
Horry, South Carolina 14 $ 7,845,000 $ 560,357 $ 0
McHenry, Illinois 13 $ 7,190,000 $ 553,076 $ 0
Delaware, Ohio 13 $ 8,560,000 $ 658,461 $ 0
Warren, Ohio 13 $ 8,065,000 $ 620,384 $ 0
Stafford, Virginia 13 $ 6,307,000 $ 485,153 $ 0
Bristol, Massachusetts 12 $ 5,288,000 $ 440,666 $ 0
Anoka, Minnesota 12 $ 6,079,000 $ 506,583 $ 0
Brunswick, North Carolina 12 $ 6,941,000 $ 578,416 $ 0
Shelby, Tennessee 12 $ 7,427,000 $ 618,916 $ 0
Fauquier, Virginia 12 $ 6,333,000 $ 527,750 $ 0
Baltimore City, Maryland 11 $ 6,218,000 $ 565,272 $ 0
St. Charles, Missouri 11 $ 5,211,000 $ 473,727 $ 0
Allegheny, Pennsylvania 11 $ 7,179,000 $ 652,636 $ 0
Spotsylvania, Virginia 11 $ 6,056,000 $ 550,545 $ 0
Rockingham, New Hampshire 10 $ 5,132,000 $ 513,200 $ 0
Iredell, North Carolina 10 $ 6,012,000 $ 601,200 $ 0
Union, North Carolina 10 $ 6,225,000 $ 622,500 $ 0
Chittenden, Vermont 10 $ 5,888,000 $ 588,800 $ 0
Albemarle, Virginia 10 $ 6,610,000 $ 661,000 $ 0
Oldham, Kentucky 9 $ 5,125,000 $ 569,444 $ 0
St. Mary's, Maryland 9 $ 4,878,000 $ 542,000 $ 0
Worcester, Maryland 9 $ 5,226,000 $ 580,666 $ 0
Carver, Minnesota 9 $ 5,265,000 $ 585,000 $ 0
Jackson, Missouri 9 $ 4,554,000 $ 506,000 $ 0
Erie, New York 9 $ 4,234,000 $ 470,444 $ 0
Buncombe, North Carolina 9 $ 5,570,000 $ 618,888 $ 0
Providence, Rhode Island 9 $ 4,798,000 $ 533,111 $ 0
Walworth, Wisconsin 9 $ 5,405,000 $ 600,555 $ 0
Fayette, Kentucky 8 $ 4,239,000 $ 529,875 $ 0
Queen Anne's, Maryland 8 $ 5,175,000 $ 646,875 $ 0
Berrien, Michigan 8 $ 5,126,000 $ 640,750 $ 0
Kent, Michigan 8 $ 5,046,000 $ 630,750 $ 0
Hillsborough, New Hampshire 8 $ 4,268,000 $ 533,500 $ 0
Washington, Rhode Island 8 $ 4,981,000 $ 622,625 $ 0
Milwaukee, Wisconsin 8 $ 3,876,000 $ 484,500 $ 0
Cumberland, Maine 7 $ 4,458,000 $ 636,857 $ 0
Talbot, Maryland 7 $ 4,259,000 $ 608,428 $ 0
Livingston, Michigan 7 $ 4,013,000 $ 573,285 $ 0
Cass, Minnesota 7 $ 3,911,000 $ 558,714 $ 0
Franklin, Missouri 7 $ 4,148,000 $ 592,571 $ 0
Chatham, North Carolina 7 $ 3,812,000 $ 544,571 $ 0
Dare, North Carolina 7 $ 4,558,000 $ 651,142 $ 0
Durham, North Carolina 7 $ 4,663,000 $ 666,142 $ 0
Guilford, North Carolina 7 $ 3,601,000 $ 514,428 $ 0
Bristol, Rhode Island 7 $ 3,899,000 $ 557,000 $ 0
Hamilton, Tennessee 7 $ 4,535,000 $ 647,857 $ 0
Fairfax City, Virginia 7 $ 4,124,000 $ 589,142 $ 0
Pulaski, Arkansas 6 $ 4,159,000 $ 693,166 $ 0
McLean, Illinois 6 $ 3,740,000 $ 623,333 $ 0
York, Maine 6 $ 3,914,000 $ 652,333 $ 0
Carroll, Maryland 6 $ 3,605,000 $ 600,833 $ 0
Ingham, Michigan 6 $ 3,191,000 $ 531,833 $ 0
Camden, Missouri 6 $ 4,525,000 $ 754,166 $ 0
Jefferson, Missouri 6 $ 2,861,000 $ 476,833 $ 0
Douglas, Nebraska 6 $ 4,135,000 $ 689,166 $ 0
Strafford, New Hampshire 6 $ 4,097,000 $ 682,833 $ 0
Warren, New York 6 $ 3,102,000 $ 517,000 $ 0
Carteret, North Carolina 6 $ 4,050,000 $ 675,000 $ 0
Cumberland, Pennsylvania 6 $ 3,135,000 $ 522,500 $ 0
Lancaster, Pennsylvania 6 $ 2,827,000 $ 471,166 $ 0
York, Pennsylvania 6 $ 2,444,000 $ 407,333 $ 0
Lexington, South Carolina 6 $ 4,255,000 $ 709,166 $ 0
Knox, Tennessee 6 $ 3,647,000 $ 607,833 $ 0
Frederick, Virginia 6 $ 4,152,000 $ 692,000 $ 0
Richmond City, Virginia 6 $ 3,324,000 $ 554,000 $ 0
Polk, Iowa 5 $ 3,570,000 $ 714,000 $ 0
Harford, Maryland 5 $ 2,640,000 $ 528,000 $ 0
Washington, Maryland 5 $ 3,126,000 $ 625,200 $ 0
Allegan, Michigan 5 $ 4,106,000 $ 821,200 $ 0
Charlevoix, Michigan 5 $ 3,230,000 $ 646,000 $ 0
Crow Wing, Minnesota 5 $ 3,660,000 $ 732,000 $ 0
Saratoga, New York 5 $ 3,102,000 $ 620,400 $ 0
Butler, Ohio 5 $ 2,921,000 $ 584,200 $ 0
Northampton, Pennsylvania 5 $ 2,583,000 $ 516,600 $ 0
Greenville, South Carolina 5 $ 2,101,000 $ 420,200 $ 0
Richland, South Carolina 5 $ 2,521,000 $ 504,200 $ 0
York, South Carolina 5 $ 2,783,000 $ 556,600 $ 0
Sevier, Tennessee 5 $ 2,790,000 $ 558,000 $ 0
Culpeper, Virginia 5 $ 2,339,000 $ 467,800 $ 0
Falls Church, Virginia 5 $ 2,985,000 $ 597,000 $ 0
King George, Virginia 5 $ 2,896,000 $ 579,200 $ 0
Louisa, Virginia 5 $ 2,824,000 $ 564,800 $ 0
Boone, Illinois 4 $ 2,129,000 $ 532,250 $ 0
Johnson, Indiana 4 $ 2,575,000 $ 643,750 $ 0
Lake, Indiana 4 $ 2,380,000 $ 595,000 $ 0
Jessamine, Kentucky 4 $ 2,220,000 $ 555,000 $ 0
Nantucket, Massachusetts 4 $ 2,915,000 $ 728,750 $ 0
Lancaster, Nebraska 4 $ 2,381,000 $ 595,250 $ 0
Grafton, New Hampshire 4 $ 2,218,000 $ 554,500 $ 0
Albany, New York 4 $ 2,800,000 $ 700,000 $ 0
Ulster, New York 4 $ 2,446,000 $ 611,500 $ 0
Currituck, North Carolina 4 $ 1,954,000 $ 488,500 $ 0
Haywood, North Carolina 4 $ 1,986,000 $ 496,500 $ 0
Fairfield, Ohio 4 $ 2,050,000 $ 512,500 $ 0
Berks, Pennsylvania 4 $ 1,859,000 $ 464,750 $ 0
Newport, Rhode Island 4 $ 2,154,000 $ 538,500 $ 0
Oconee, South Carolina 4 $ 2,690,000 $ 672,500 $ 0
Lamoille, Vermont 4 $ 2,917,000 $ 729,250 $ 0
Chesapeake, Virginia 4 $ 2,097,000 $ 524,250 $ 0
James City, Virginia 4 $ 3,260,000 $ 815,000 $ 0
Winchester, Virginia 4 $ 2,473,000 $ 618,250 $ 0
Brown, Wisconsin 4 $ 1,861,000 $ 465,250 $ 0
Oneida, Wisconsin 4 $ 2,371,000 $ 592,750 $ 0
Ozaukee, Wisconsin 4 $ 2,942,000 $ 735,500 $ 0
Vilas, Wisconsin 4 $ 2,800,000 $ 700,000 $ 0
Tolland, Connecticut 3 $ 887,000 $ 295,666 $ 70,000
Peoria, Illinois 3 $ 1,928,000 $ 642,666 $ 0
Winnebago, Illinois 3 $ 1,392,000 $ 464,000 $ 0
Boone, Indiana 3 $ 2,462,000 $ 820,666 $ 0
LaPorte, Indiana 3 $ 2,240,000 $ 746,666 $ 0
Porter, Indiana 3 $ 1,783,000 $ 594,333 $ 0
Tippecanoe, Indiana 3 $ 1,580,000 $ 526,666 $ 0
Johnson, Iowa 3 $ 1,491,000 $ 497,000 $ 0
Cecil, Maryland 3 $ 1,531,000 $ 510,333 $ 0
Garrett, Maryland 3 $ 1,767,000 $ 589,000 $ 0
Dukes, Massachusetts 3 $ 3,070,000 $ 1,023,333 $ 0
Antrim, Michigan 3 $ 1,633,000 $ 544,333 $ 0
Genesee, Michigan 3 $ 1,931,000 $ 643,666 $ 0
Leelanau, Michigan 3 $ 1,935,000 $ 645,000 $ 0
Macomb, Michigan 3 $ 1,506,000 $ 502,000 $ 0
Monroe, Michigan 3 $ 1,109,000 $ 369,666 $ 0
Ottawa, Michigan 3 $ 2,144,000 $ 714,666 $ 0
Becker, Minnesota 3 $ 1,013,000 $ 337,666 $ 0
Sherburne, Minnesota 3 $ 1,472,000 $ 490,666 $ 0
Wright, Minnesota 3 $ 1,371,000 $ 457,000 $ 0
Cape Girardeau, Missouri 3 $ 1,601,000 $ 533,666 $ 0
Greene, Missouri 3 $ 1,377,000 $ 459,000 $ 0
Platte, Missouri 3 $ 1,449,000 $ 483,000 $ 0
St. Louis City, Missouri 3 $ 1,702,000 $ 567,333 $ 0
Merrimack, New Hampshire 3 $ 1,508,000 $ 502,666 $ 0
Salem, New Jersey 3 $ 345,000 $ 115,000 $ 59,000
Essex, New York 3 $ 1,854,000 $ 618,000 $ 36,000
Greene, New York 3 $ 1,258,000 $ 419,333 $ 108,000
Otsego, New York 3 $ 2,169,000 $ 723,000 $ 0
Craven, North Carolina 3 $ 1,680,000 $ 560,000 $ 0
Forsyth, North Carolina 3 $ 1,341,000 $ 447,000 $ 0
Gaston, North Carolina 3 $ 1,146,000 $ 382,000 $ 0
Jackson, North Carolina 3 $ 1,741,000 $ 580,333 $ 0
Macon, North Carolina 3 $ 1,934,000 $ 644,666 $ 0
Moore, North Carolina 3 $ 1,998,000 $ 666,000 $ 0
Geauga, Ohio 3 $ 2,018,000 $ 672,666 $ 0
Lorain, Ohio 3 $ 2,112,000 $ 704,000 $ 0
Summit, Ohio 3 $ 2,195,000 $ 731,666 $ 0
Dauphin, Pennsylvania 3 $ 1,266,000 $ 422,000 $ 0
Lehigh, Pennsylvania 3 $ 1,232,000 $ 410,666 $ 0
Pennington, South Dakota 3 $ 1,510,000 $ 503,333 $ 0
Windsor, Vermont 3 $ 1,888,000 $ 629,333 $ 0
Franklin, Virginia 3 $ 2,459,000 $ 819,666 $ 0
Goochland, Virginia 3 $ 2,092,000 $ 697,333 $ 0
Isle of Wight, Virginia 3 $ 1,254,000 $ 418,000 $ 0
Norfolk, Virginia 3 $ 1,502,000 $ 500,666 $ 0
York, Virginia 3 $ 1,402,000 $ 467,333 $ 0
Door, Wisconsin 3 $ 2,012,000 $ 670,666 $ 0
Kenosha, Wisconsin 3 $ 1,353,000 $ 451,000 $ 0
Pierce, Wisconsin 3 $ 1,810,000 $ 603,333 $ 0
Sheboygan, Wisconsin 3 $ 1,846,000 $ 615,333 $ 0
Benton, Arkansas 2 $ 1,380,000 $ 690,000 $ 0
Cleburne, Arkansas 2 $ 1,548,000 $ 774,000 $ 0
Washington, Arkansas 2 $ 681,000 $ 340,500 $ 0
Kent, Delaware 2 $ 541,000 $ 270,500 $ 0
Jo Daviess, Illinois 2 $ 1,138,000 $ 569,000 $ 0
Kendall, Illinois 2 $ 1,372,000 $ 686,000 $ 0
Madison, Illinois 2 $ 1,264,000 $ 632,000 $ 0
Tazewell, Illinois 2 $ 1,475,000 $ 737,500 $ 0
Allen, Indiana 2 $ 1,025,000 $ 512,500 $ 0
Bartholomew, Indiana 2 $ 1,536,000 $ 768,000 $ 0
Hendricks, Indiana 2 $ 1,283,000 $ 641,500 $ 0
Dallas, Iowa 2 $ 1,361,000 $ 680,500 $ 0
Dubuque, Iowa 2 $ 1,152,000 $ 576,000 $ 0
Reno, Kansas 2 $ 954,000 $ 477,000 $ 0
Shawnee, Kansas 2 $ 1,528,000 $ 764,000 $ 0
Boone, Kentucky 2 $ 858,000 $ 429,000 $ 0
Campbell, Kentucky 2 $ 1,801,000 $ 900,500 $ 0
Kenton, Kentucky 2 $ 1,120,000 $ 560,000 $ 0
Shelby, Kentucky 2 $ 1,086,000 $ 543,000 $ 0
Hampshire, Massachusetts 2 $ 613,000 $ 306,500 $ 0
Emmet, Michigan 2 $ 1,715,000 $ 857,500 $ 0
Lapeer, Michigan 2 $ 1,063,000 $ 531,500 $ 0
Oceana, Michigan 2 $ 1,091,000 $ 545,500 $ 0
Van Buren, Michigan 2 $ 974,000 $ 487,000 $ 0
Benton, Minnesota 2 $ 1,161,000 $ 580,500 $ 0
Chisago, Minnesota 2 $ 998,000 $ 499,000 $ 0
Cook, Minnesota 2 $ 1,135,000 $ 567,500 $ 0
Goodhue, Minnesota 2 $ 870,000 $ 435,000 $ 0
Itasca, Minnesota 2 $ 1,409,000 $ 704,500 $ 0
Kanabec, Minnesota 2 $ 1,477,000 $ 738,500 $ 0
Rice, Minnesota 2 $ 866,000 $ 433,000 $ 0
Stearns, Minnesota 2 $ 1,204,000 $ 602,000 $ 0
Wabasha, Minnesota 2 $ 1,172,000 $ 586,000 $ 0
Boone, Missouri 2 $ 928,000 $ 464,000 $ 0
Warren, Missouri 2 $ 1,126,000 $ 563,000 $ 0
Cumberland, New Jersey 2 $ 335,000 $ 167,500 $ 0
Bronx, New York 2 $ 919,000 $ 459,500 $ 0
Broome, New York 2 $ 132,000 $ 66,000 $ 0
Delaware, New York 2 $ 977,000 $ 488,500 $ 0
Monroe, New York 2 $ 944,000 $ 472,000 $ 0
Rensselaer, New York 2 $ 1,059,000 $ 529,500 $ 0
Sullivan, New York 2 $ 809,000 $ 404,500 $ 145,000
Henderson, North Carolina 2 $ 1,064,000 $ 532,000 $ 0
Pitt, North Carolina 2 $ 1,341,000 $ 670,500 $ 0
Transylvania, North Carolina 2 $ 1,141,000 $ 570,500 $ 0
Watauga, North Carolina 2 $ 1,009,000 $ 504,500 $ 0
Clermont, Ohio 2 $ 1,027,000 $ 513,500 $ 0
Stark, Ohio 2 $ 1,046,000 $ 523,000 $ 0
Union, Ohio 2 $ 1,428,000 $ 714,000 $ 0
Wood, Ohio 2 $ 1,184,000 $ 592,000 $ 0
Centre, Pennsylvania 2 $ 884,000 $ 442,000 $ 0
Mercer, Pennsylvania 2 $ 602,000 $ 301,000 $ 0
Susquehanna, Pennsylvania 2 $ 189,000 $ 94,500 $ 0
Westmoreland, Pennsylvania 2 $ 730,000 $ 365,000 $ 0
Anderson, South Carolina 2 $ 652,000 $ 326,000 $ 0
Dorchester, South Carolina 2 $ 1,218,000 $ 609,000 $ 0
Florence, South Carolina 2 $ 1,150,000 $ 575,000 $ 0
Georgetown, South Carolina 2 $ 1,921,000 $ 960,500 $ 0
Spartanburg, South Carolina 2 $ 553,000 $ 276,500 $ 0
Lawrence, South Dakota 2 $ 1,257,000 $ 628,500 $ 0
Blount, Tennessee 2 $ 1,066,000 $ 533,000 $ 0
Fayette, Tennessee 2 $ 1,007,000 $ 503,500 $ 0
Maury, Tennessee 2 $ 1,057,000 $ 528,500 $ 0
Roane, Tennessee 2 $ 1,059,000 $ 529,500 $ 0
Robertson, Tennessee 2 $ 1,205,000 $ 602,500 $ 0
Wilson, Tennessee 2 $ 1,296,000 $ 648,000 $ 0
Windham, Vermont 2 $ 1,212,000 $ 606,000 $ 0
Alleghany, Virginia 2 $ 1,470,000 $ 735,000 $ 0
Botetourt, Virginia 2 $ 1,026,000 $ 513,000 $ 0
Charlottesville, Virginia 2 $ 1,203,000 $ 601,500 $ 0
Gloucester, Virginia 2 $ 765,000 $ 382,500 $ 0
Hanover, Virginia 2 $ 993,000 $ 496,500 $ 0
Montgomery, Virginia 2 $ 988,000 $ 494,000 $ 0
Nelson, Virginia 2 $ 1,064,000 $ 532,000 $ 0
Northampton, Virginia 2 $ 1,268,000 $ 634,000 $ 0
Northumberland, Virginia 2 $ 1,468,000 $ 734,000 $ 0
Orange, Virginia 2 $ 982,000 $ 491,000 $ 0
Portsmouth, Virginia 2 $ 757,000 $ 378,500 $ 0
Powhatan, Virginia 2 $ 636,000 $ 318,000 $ 0
Roanoke, Virginia 2 $ 1,423,000 $ 711,500 $ 0
Suffolk, Virginia 2 $ 1,141,000 $ 570,500 $ 0
Chippewa, Wisconsin 2 $ 1,262,000 $ 631,000 $ 0
Outagamie, Wisconsin 2 $ 1,567,000 $ 783,500 $ 0
Rock, Wisconsin 2 $ 706,000 $ 353,000 $ 0
St. Croix, Wisconsin 2 $ 1,129,000 $ 564,500 $ 0
Washington, Wisconsin 2 $ 1,096,000 $ 548,000 $ 0
Winnebago, Wisconsin 2 $ 1,002,000 $ 501,000 $ 0
Craighead, Arkansas 1 $ 599,000 $ 599,000 $ 0
Crawford, Arkansas 1 $ 500,000 $ 500,000 $ 0
Garland, Arkansas 1 $ 717,000 $ 717,000 $ 0
Marion, Arkansas 1 $ 504,000 $ 504,000 $ 0
Randolph, Arkansas 1 $ 680,000 $ 680,000 $ 0
Sebastian, Arkansas 1 $ 447,000 $ 447,000 $ 0
Carroll, Illinois 1 $ 898,000 $ 898,000 $ 0
Champaign, Illinois 1 $ 451,000 $ 451,000 $ 0
Grundy, Illinois 1 $ 475,000 $ 475,000 $ 0
LaSalle, Illinois 1 $ 123,000 $ 123,000 $ 0
Rock Island, Illinois 1 $ 830,000 $ 830,000 $ 0
Sangamon, Illinois 1 $ 782,000 $ 782,000 $ 0
St. Clair, Illinois 1 $ 101,000 $ 101,000 $ 0
Decatur, Indiana 1 $ 75,000 $ 75,000 $ 0
DeKalb, Indiana 1 $ 551,000 $ 551,000 $ 0
Elkhart, Indiana 1 $ 121,000 $ 121,000 $ 0
Hancock, Indiana 1 $ 444,000 $ 444,000 $ 0
Harrison, Indiana 1 $ 549,000 $ 549,000 $ 0
Kosciusko, Indiana 1 $ 532,000 $ 532,000 $ 0
Morgan, Indiana 1 $ 750,000 $ 750,000 $ 0
Vanderburgh, Indiana 1 $ 590,000 $ 590,000 $ 0
Dickinson, Iowa 1 $ 557,000 $ 557,000 $ 0
Guthrie, Iowa 1 $ 809,000 $ 809,000 $ 0
Linn, Iowa 1 $ 996,000 $ 996,000 $ 0
Scott, Iowa 1 $ 636,000 $ 636,000 $ 0
Story, Iowa 1 $ 918,000 $ 918,000 $ 0
Warren, Iowa 1 $ 491,000 $ 491,000 $ 0
Butler, Kansas 1 $ 128,000 $ 128,000 $ 0
Miami, Kansas 1 $ 496,000 $ 496,000 $ 0
Sedgwick, Kansas 1 $ 76,000 $ 76,000 $ 0
Hardin, Kentucky 1 $ 129,000 $ 129,000 $ 0
Madison, Kentucky 1 $ 494,000 $ 494,000 $ 0
McCracken, Kentucky 1 $ 955,000 $ 955,000 $ 0
Pulaski, Kentucky 1 $ 522,000 $ 522,000 $ 0
Scott, Kentucky 1 $ 649,000 $ 649,000 $ 0
Androscoggin, Maine 1 $ 507,000 $ 507,000 $ 0
Hancock, Maine 1 $ 482,000 $ 482,000 $ 0
Lincoln, Maine 1 $ 999,000 $ 999,000 $ 0
Penobscot, Maine 1 $ 508,000 $ 508,000 $ 0
Dorchester, Maryland 1 $ 479,000 $ 479,000 $ 0
Kent, Maryland 1 $ 750,000 $ 750,000 $ 0
Somerset, Maryland 1 $ 664,000 $ 664,000 $ 0
Wicomico, Maryland 1 $ 596,000 $ 596,000 $ 0
Benzie, Michigan 1 $ 528,000 $ 528,000 $ 0
Calhoun, Michigan 1 $ 174,000 $ 174,000 $ 0
Clinton, Michigan 1 $ 629,000 $ 629,000 $ 0
Gogebic, Michigan 1 $ 45,000 $ 45,000 $ 0
Grand Traverse, Michigan 1 $ 500,000 $ 500,000 $ 0
Huron, Michigan 1 $ 466,000 $ 466,000 $ 0
Jackson, Michigan 1 $ 462,000 $ 462,000 $ 0
Kalamazoo, Michigan 1 $ 424,000 $ 424,000 $ 0
Lenawee, Michigan 1 $ 508,000 $ 508,000 $ 0
Mason, Michigan 1 $ 748,000 $ 748,000 $ 0
Montcalm, Michigan 1 $ 519,000 $ 519,000 $ 0
Muskegon, Michigan 1 $ 452,000 $ 452,000 $ 0
Shiawassee, Michigan 1 $ 452,000 $ 452,000 $ 0
St. Clair, Michigan 1 $ 648,000 $ 648,000 $ 0
St. Joseph, Michigan 1 $ 524,000 $ 524,000 $ 0
Aitkin, Minnesota 1 $ 524,000 $ 524,000 $ 0
Clay, Minnesota 1 $ 94,000 $ 94,000 $ 0
Douglas, Minnesota 1 $ 410,000 $ 410,000 $ 0
Le Sueur, Minnesota 1 $ 998,000 $ 998,000 $ 0
Nicollet, Minnesota 1 $ 504,000 $ 504,000 $ 0
Olmsted, Minnesota 1 $ 556,000 $ 556,000 $ 0
St. Louis, Minnesota 1 $ 106,000 $ 106,000 $ 0
Cass, Missouri 1 $ 150,000 $ 150,000 $ 0
Cedar, Missouri 1 $ 240,000 $ 240,000 $ 0
Christian, Missouri 1 $ 460,000 $ 460,000 $ 0
Clay, Missouri 1 $ 668,000 $ 668,000 $ 0
Lincoln, Missouri 1 $ 499,000 $ 499,000 $ 0
Pettis, Missouri 1 $ 151,000 $ 151,000 $ 0
Ste. Genevieve, Missouri 1 $ 542,000 $ 542,000 $ 0
Sarpy, Nebraska 1 $ 570,000 $ 570,000 $ 0
Belknap, New Hampshire 1 $ 699,000 $ 699,000 $ 0
Carroll, New Hampshire 1 $ 348,000 $ 348,000 $ 0
Chautauqua, New York 1 $ 498,000 $ 498,000 $ 0
Clinton, New York 1 $ 103,000 $ 103,000 $ 0
Columbia, New York 1 $ 500,000 $ 500,000 $ 0
Madison, New York 1 $ 900,000 $ 900,000 $ 0
Niagara, New York 1 $ 365,000 $ 365,000 $ 166,000
Oneida, New York 1 $ 78,000 $ 78,000 $ 0
Onondaga, New York 1 $ 147,000 $ 147,000 $ 0
Ontario, New York 1 $ 754,000 $ 754,000 $ 0
Schenectady, New York 1 $ 54,000 $ 54,000 $ 0
Yates, New York 1 $ 556,000 $ 556,000 $ 0
Beaufort, North Carolina 1 $ 787,000 $ 787,000 $ 0
Caldwell, North Carolina 1 $ 395,000 $ 395,000 $ 0
Camden, North Carolina 1 $ 488,000 $ 488,000 $ 0
Caswell, North Carolina 1 $ 486,000 $ 486,000 $ 0
Catawba, North Carolina 1 $ 605,000 $ 605,000 $ 0
Cleveland, North Carolina 1 $ 528,000 $ 528,000 $ 0
Columbus, North Carolina 1 $ 120,000 $ 120,000 $ 0
Cumberland, North Carolina 1 $ 639,000 $ 639,000 $ 0
Davidson, North Carolina 1 $ 500,000 $ 500,000 $ 0
Duplin, North Carolina 1 $ 559,000 $ 559,000 $ 0
Gates, North Carolina 1 $ 221,000 $ 221,000 $ 0
Hertford, North Carolina 1 $ 996,000 $ 996,000 $ 0
Lincoln, North Carolina 1 $ 272,000 $ 272,000 $ 0
Montgomery, North Carolina 1 $ 700,000 $ 700,000 $ 0
Onslow, North Carolina 1 $ 698,000 $ 698,000 $ 0
Pender, North Carolina 1 $ 592,000 $ 592,000 $ 0
Stanly, North Carolina 1 $ 540,000 $ 540,000 $ 0
Yadkin, North Carolina 1 $ 558,000 $ 558,000 $ 0
Yancey, North Carolina 1 $ 1,135,000 $ 1,135,000 $ 0
Grand Forks, North Dakota 1 $ 671,000 $ 671,000 $ 0
Ashtabula, Ohio 1 $ 83,000 $ 83,000 $ 0
Brown, Ohio 1 $ 186,000 $ 186,000 $ 0
Champaign, Ohio 1 $ 121,000 $ 121,000 $ 0
Clark, Ohio 1 $ 775,000 $ 775,000 $ 0
Erie, Ohio 1 $ 240,000 $ 240,000 $ 0
Gallia, Ohio 1 $ 512,000 $ 512,000 $ 0
Greene, Ohio 1 $ 782,000 $ 782,000 $ 0
Licking, Ohio 1 $ 184,000 $ 184,000 $ 0
Lucas, Ohio 1 $ 474,000 $ 474,000 $ 0
Madison, Ohio 1 $ 1,344,000 $ 1,344,000 $ 0
Mercer, Ohio 1 $ 124,000 $ 124,000 $ 0
Montgomery, Ohio 1 $ 585,000 $ 585,000 $ 0
Ottawa, Ohio 1 $ 504,000 $ 504,000 $ 0
Pickaway, Ohio 1 $ 143,000 $ 143,000 $ 0
Portage, Ohio 1 $ 648,000 $ 648,000 $ 0
Oklahoma, Oklahoma 1 $ 918,000 $ 918,000 $ 0
Wagoner, Oklahoma 1 $ 532,000 $ 532,000 $ 0
Butler, Pennsylvania 1 $ 421,000 $ 421,000 $ 0
Erie, Pennsylvania 1 $ 648,000 $ 648,000 $ 0
Franklin, Pennsylvania 1 $ 165,000 $ 165,000 $ 0
Lackawanna, Pennsylvania 1 $ 673,000 $ 673,000 $ 0
Lebanon, Pennsylvania 1 $ 471,000 $ 471,000 $ 0
Monroe, Pennsylvania 1 $ 698,000 $ 698,000 $ 0
Pike, Pennsylvania 1 $ 169,000 $ 169,000 $ 0
Washington, Pennsylvania 1 $ 489,000 $ 489,000 $ 0
Wayne, Pennsylvania 1 $ 656,000 $ 656,000 $ 0
Kent, Rhode Island 1 $ 799,000 $ 799,000 $ 0
Aiken, South Carolina 1 $ 549,000 $ 549,000 $ 0
Berkeley, South Carolina 1 $ 690,000 $ 690,000 $ 0
Sumter, South Carolina 1 $ 478,000 $ 478,000 $ 0
Codington, South Dakota 1 $ 622,000 $ 622,000 $ 0
Lake, South Dakota 1 $ 496,000 $ 496,000 $ 0
Lincoln, South Dakota 1 $ 567,000 $ 567,000 $ 0
Coffee, Tennessee 1 $ 454,000 $ 454,000 $ 0
Greene, Tennessee 1 $ 430,000 $ 430,000 $ 0
Jefferson, Tennessee 1 $ 627,000 $ 627,000 $ 0
Lincoln, Tennessee 1 $ 576,000 $ 576,000 $ 0
Madison, Tennessee 1 $ 625,000 $ 625,000 $ 0
Monroe, Tennessee 1 $ 240,000 $ 240,000 $ 0
Montgomery, Tennessee 1 $ 503,000 $ 503,000 $ 0
Rutherford, Tennessee 1 $ 519,000 $ 519,000 $ 0
Sequatchie, Tennessee 1 $ 613,000 $ 613,000 $ 0
Sumner, Tennessee 1 $ 460,000 $ 460,000 $ 0
Washington, Tennessee 1 $ 547,000 $ 547,000 $ 0
White, Tennessee 1 $ 547,000 $ 547,000 $ 0
Augusta, Virginia 1 $ 732,000 $ 732,000 $ 0
Bedford, Virginia 1 $ 599,000 $ 599,000 $ 0
Colonial Heights, Virginia 1 $ 477,000 $ 477,000 $ 0
Greene, Virginia 1 $ 144,000 $ 144,000 $ 0
Hampton, Virginia 1 $ 132,000 $ 132,000 $ 0
Lynchburg, Virginia 1 $ 599,000 $ 599,000 $ 0
Madison, Virginia 1 $ 527,000 $ 527,000 $ 0
Manassas, Virginia 1 $ 448,000 $ 448,000 $ 0
Middlesex, Virginia 1 $ 448,000 $ 448,000 $ 0
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Mortgage Loan Application Detail Totals for Hudson City Savings Bank in 2007

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 7,839 $3,623,526,000 $462,000 $3,300,000 $100,000 $3,422,000
Home Purchase 7,785 $4,104,202,000 $527,000 $3,325,000 $133,000 $3,913,000
Home Improvement 1,043 $41,495,000 $39,000 $250,000 $84,000 $925,000

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 7,714 $4,015,691,000 $520,000 $2,500,000 $16,000 $3,838,000
White 6,708 $3,000,148,000 $447,000 $3,325,000 $214,000 $3,633,000
Asian 1,278 $546,811,000 $427,000 $1,960,000 $167,000 $3,913,000
Not Provided 552 $63,443,000 $114,000 $3,000,000 $127,000 $3,097,000
Hispanic 289 $99,968,000 $345,000 $1,264,000 $145,000 $1,520,000
Black or African American 110 $38,763,000 $352,000 $1,350,000 $156,000 $931,000
Native Hawaiian or Other Pacific Islander 8 $1,587,000 $198,000 $544,000 $97,000 $144,000
American Indian or Alaskan Native 8 $2,812,000 $351,000 $700,000 $198,000 $392,000

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) 16,667 $7,769,223,000 $466,000 $3,325,000 $114,000 $3,913,000
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 Purchased By The Institution 7,637 $3,974,936,000 $520,000 $1,988,000 $12,000 $960,000
Loan Originated 7,520 $3,268,684,000 $434,000 $3,325,000 $207,000 $3,913,000
Application Denied By Financial Institution 801 $212,505,000 $265,000 $3,300,000 $116,000 $3,422,000
Application Approved But Not Accepted 383 $181,423,000 $473,000 $3,000,000 $252,000 $3,150,000
File Closed For Incompleteness 173 $67,224,000 $388,000 $2,000,000 $195,000 $3,290,000
Application Withdrawn By Applicant 153 $64,451,000 $421,000 $2,000,000 $181,000 $1,379,000
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 428 $86,301,000 $201,000 $1,680,000 $80,000 $627,000
Collateral 127 $52,937,000 $416,000 $3,300,000 $219,000 $3,422,000
Credit History 121 $39,155,000 $323,000 $1,130,000 $123,000 $739,000
Other 107 $27,796,000 $259,000 $1,485,000 $131,000 $540,000
Unverifiable Information 15 $4,735,000 $315,000 $760,000 $104,000 $234,000
Employment History 2 $1,020,000 $510,000 $1,000,000 $140,000 $274,000
Insufficient Cash (Downpayment, Closing Cost) 1 $561,000 $561,000 $561,000 $123,000 $123,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings Bank's 2007 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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