Hudson City Savings Bank Mortgage Lending & HMDA Data, 2009
In 2009, Hudson City Savings Bank of Paramus, NJ reported 21,783 mortgage applications totaling $11.1 billion, up 21% from 2008. The average application was for $508,710, and applicants reported an average income of $170,593. 53% of its applications resulted in an originated loan and 12% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (5,128), Edison-New Brunswick, NJ (3,305) and Bridgeport-Stamford-Norwalk, CT (2,943) (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 | 21,783 |
| Total Mortgage Loan Application Amount | $11,081,246,000 |
| Average Mortgage Loan Application Amount | $508,710 |
| Highest Mortgage Loan Application Amount | $7,700,000 |
| Average Applicant Income | $170,593 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hudson City Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield, Connecticut | 2,943 | $ 2,052,181,000 | $ 697,309 | $ 272,000 |
| Bergen, New Jersey | 2,228 | $ 1,039,193,000 | $ 466,424 | $ 202,000 |
| Suffolk, New York | 1,179 | $ 726,331,000 | $ 616,056 | $ 255,000 |
| Monmouth, New Jersey | 1,167 | $ 558,116,000 | $ 478,248 | $ 213,000 |
| Westchester, New York | 1,100 | $ 711,896,000 | $ 647,178 | $ 237,000 |
| Ocean, New Jersey | 1,079 | $ 306,027,000 | $ 283,620 | $ 128,000 |
| Essex, New Jersey | 941 | $ 393,111,000 | $ 417,758 | $ 160,000 |
| Nassau, New York | 829 | $ 513,483,000 | $ 619,400 | $ 236,000 |
| Morris, New Jersey | 787 | $ 351,190,000 | $ 446,238 | $ 184,000 |
| Hudson, New Jersey | 670 | $ 261,658,000 | $ 390,534 | $ 156,000 |
| Middlesex, New Jersey | 609 | $ 162,640,000 | $ 267,060 | $ 110,000 |
| Union, New Jersey | 545 | $ 227,206,000 | $ 416,891 | $ 165,000 |
| Somerset, New Jersey | 450 | $ 209,623,000 | $ 465,828 | $ 192,000 |
| Passaic, New Jersey | 399 | $ 112,084,000 | $ 280,912 | $ 122,000 |
| Cook, Illinois | 350 | $ 188,591,000 | $ 538,831 | $ 0 |
| New Haven, Connecticut | 312 | $ 123,164,000 | $ 394,756 | $ 178,000 |
| Fairfax, Virginia | 261 | $ 142,549,000 | $ 546,164 | $ 0 |
| Montgomery, Maryland | 226 | $ 125,813,000 | $ 556,694 | $ 0 |
| Rockland, New York | 211 | $ 83,590,000 | $ 396,161 | $ 199,000 |
| Mercer, New Jersey | 210 | $ 99,784,000 | $ 475,161 | $ 179,000 |
| Litchfield, Connecticut | 209 | $ 134,219,000 | $ 642,196 | $ 319,000 |
| Cape May, New Jersey | 204 | $ 135,417,000 | $ 663,808 | $ 361,000 |
| Hartford, Connecticut | 201 | $ 82,689,000 | $ 411,388 | $ 172,000 |
| Montgomery, Pennsylvania | 189 | $ 110,100,000 | $ 582,539 | $ 200,000 |
| Richmond, New York | 183 | $ 78,274,000 | $ 427,726 | $ 168,000 |
| New York, New York | 181 | $ 129,778,000 | $ 717,005 | $ 1,000 |
| Bucks, Pennsylvania | 172 | $ 95,500,000 | $ 555,232 | $ 210,000 |
| Middlesex, Massachusetts | 166 | $ 101,724,000 | $ 612,795 | $ 0 |
| Burlington, New Jersey | 141 | $ 43,843,000 | $ 310,943 | $ 133,000 |
| Loudoun, Virginia | 135 | $ 69,200,000 | $ 512,592 | $ 0 |
| Hunterdon, New Jersey | 134 | $ 51,383,000 | $ 383,455 | $ 152,000 |
| Sussex, New Jersey | 132 | $ 42,782,000 | $ 324,106 | $ 142,000 |
| District of Columbia, District Of Columbia | 123 | $ 77,517,000 | $ 630,219 | $ 0 |
| Camden, New Jersey | 116 | $ 25,050,000 | $ 215,948 | $ 125,000 |
| Chester, Pennsylvania | 113 | $ 68,097,000 | $ 602,628 | $ 183,000 |
| Atlantic, New Jersey | 107 | $ 51,017,000 | $ 476,794 | $ 248,000 |
| Norfolk, Massachusetts | 103 | $ 62,410,000 | $ 605,922 | $ 0 |
| Lake, Illinois | 101 | $ 56,679,000 | $ 561,178 | $ 0 |
| Hennepin, Minnesota | 90 | $ 49,203,000 | $ 546,700 | $ 0 |
| DuPage, Illinois | 78 | $ 45,456,000 | $ 582,769 | $ 0 |
| Delaware, Pennsylvania | 78 | $ 47,022,000 | $ 602,846 | $ 226,000 |
| Dutchess, New York | 73 | $ 32,480,000 | $ 444,931 | $ 154,000 |
| Orange, New York | 72 | $ 25,922,000 | $ 360,027 | $ 152,000 |
| Arlington, Virginia | 69 | $ 40,954,000 | $ 593,536 | $ 0 |
| Middlesex, Connecticut | 68 | $ 28,806,000 | $ 423,617 | $ 190,000 |
| Warren, New Jersey | 67 | $ 16,698,000 | $ 249,223 | $ 97,000 |
| Gloucester, New Jersey | 65 | $ 13,933,000 | $ 214,353 | $ 110,000 |
| Kings, New York | 63 | $ 39,860,000 | $ 632,698 | $ 0 |
| Essex, Massachusetts | 62 | $ 31,506,000 | $ 508,161 | $ 0 |
| Prince William, Virginia | 59 | $ 26,134,000 | $ 442,949 | $ 0 |
| Anne Arundel, Maryland | 56 | $ 34,521,000 | $ 616,446 | $ 0 |
| Putnam, New York | 56 | $ 23,386,000 | $ 417,607 | $ 143,000 |
| St. Louis, Missouri | 54 | $ 30,608,000 | $ 566,814 | $ 0 |
| New London, Connecticut | 53 | $ 23,541,000 | $ 444,169 | $ 196,000 |
| Suffolk, Massachusetts | 49 | $ 29,099,000 | $ 593,857 | $ 0 |
| Alexandria, Virginia | 45 | $ 23,289,000 | $ 517,533 | $ 0 |
| Plymouth, Massachusetts | 40 | $ 19,938,000 | $ 498,450 | $ 0 |
| Prince George's, Maryland | 38 | $ 16,568,000 | $ 436,000 | $ 0 |
| Howard, Maryland | 37 | $ 20,481,000 | $ 553,540 | $ 0 |
| Mecklenburg, North Carolina | 34 | $ 19,603,000 | $ 576,558 | $ 0 |
| Frederick, Maryland | 32 | $ 13,125,000 | $ 410,156 | $ 0 |
| Wake, North Carolina | 31 | $ 14,993,000 | $ 483,645 | $ 0 |
| Barnstable, Massachusetts | 29 | $ 17,201,000 | $ 593,137 | $ 0 |
| Queens, New York | 28 | $ 11,554,000 | $ 412,642 | $ 10,000 |
| Baltimore, Maryland | 26 | $ 14,871,000 | $ 571,961 | $ 0 |
| Beaufort, South Carolina | 26 | $ 19,830,000 | $ 762,692 | $ 0 |
| Philadelphia, Pennsylvania | 23 | $ 12,673,000 | $ 551,000 | $ 6,000 |
| Charleston, South Carolina | 23 | $ 15,887,000 | $ 690,739 | $ 0 |
| Columbia, New York | 20 | $ 8,996,000 | $ 449,800 | $ 186,000 |
| Lehigh, Pennsylvania | 20 | $ 5,307,000 | $ 265,350 | $ 79,000 |
| Sussex, Delaware | 18 | $ 9,968,000 | $ 553,777 | $ 0 |
| Kane, Illinois | 18 | $ 8,967,000 | $ 498,166 | $ 0 |
| Will, Illinois | 18 | $ 8,316,000 | $ 462,000 | $ 0 |
| Worcester, Massachusetts | 18 | $ 9,064,000 | $ 503,555 | $ 0 |
| Ramsey, Minnesota | 18 | $ 8,705,000 | $ 483,611 | $ 0 |
| Johnson, Kansas | 17 | $ 11,442,000 | $ 673,058 | $ 0 |
| Nantucket, Massachusetts | 17 | $ 14,922,000 | $ 877,764 | $ 0 |
| Dakota, Minnesota | 17 | $ 7,147,000 | $ 420,411 | $ 0 |
| Shelby, Tennessee | 16 | $ 8,905,000 | $ 556,562 | $ 0 |
| Virginia Beach, Virginia | 16 | $ 8,895,000 | $ 555,937 | $ 0 |
| Washington, Minnesota | 14 | $ 7,979,000 | $ 569,928 | $ 0 |
| Calvert, Maryland | 13 | $ 5,963,000 | $ 458,692 | $ 0 |
| Scott, Minnesota | 13 | $ 5,872,000 | $ 451,692 | $ 0 |
| Rockingham, New Hampshire | 13 | $ 7,649,000 | $ 588,384 | $ 0 |
| Chesterfield, Virginia | 13 | $ 5,813,000 | $ 447,153 | $ 0 |
| Tolland, Connecticut | 11 | $ 5,256,000 | $ 477,818 | $ 254,000 |
| Charles, Maryland | 11 | $ 4,658,000 | $ 423,454 | $ 0 |
| Hillsborough, New Hampshire | 11 | $ 4,013,000 | $ 364,818 | $ 0 |
| Ulster, New York | 11 | $ 5,438,000 | $ 494,363 | $ 25,000 |
| Buncombe, North Carolina | 11 | $ 6,095,000 | $ 554,090 | $ 0 |
| Washington, Rhode Island | 11 | $ 7,092,000 | $ 644,727 | $ 0 |
| Stafford, Virginia | 11 | $ 4,764,000 | $ 433,090 | $ 0 |
| Pulaski, Arkansas | 10 | $ 4,825,000 | $ 482,500 | $ 0 |
| Williamson, Tennessee | 10 | $ 5,467,000 | $ 546,700 | $ 0 |
| Spotsylvania, Virginia | 10 | $ 5,332,000 | $ 533,200 | $ 0 |
| Dane, Wisconsin | 10 | $ 5,148,000 | $ 514,800 | $ 0 |
| Milwaukee, Wisconsin | 10 | $ 4,289,000 | $ 428,900 | $ 0 |
| Waukesha, Wisconsin | 10 | $ 5,453,000 | $ 545,300 | $ 0 |
| Bronx, New York | 9 | $ 5,287,000 | $ 587,444 | $ 0 |
| New Hanover, North Carolina | 9 | $ 4,151,000 | $ 461,222 | $ 0 |
| Union, North Carolina | 9 | $ 6,544,000 | $ 727,111 | $ 0 |
| Northampton, Pennsylvania | 9 | $ 3,367,000 | $ 374,111 | $ 112,000 |
| Fauquier, Virginia | 9 | $ 4,784,000 | $ 531,555 | $ 0 |
| Benton, Arkansas | 8 | $ 4,655,000 | $ 581,875 | $ 0 |
| Hamilton, Indiana | 8 | $ 3,933,000 | $ 491,625 | $ 0 |
| Harford, Maryland | 8 | $ 3,035,000 | $ 379,375 | $ 0 |
| Anoka, Minnesota | 8 | $ 2,428,000 | $ 303,500 | $ 0 |
| Greenville, South Carolina | 8 | $ 3,232,000 | $ 404,000 | $ 0 |
| Albemarle, Virginia | 8 | $ 5,079,000 | $ 634,875 | $ 0 |
| Henrico, Virginia | 8 | $ 2,923,000 | $ 365,375 | $ 0 |
| McHenry, Illinois | 7 | $ 2,810,000 | $ 401,428 | $ 0 |
| Polk, Iowa | 7 | $ 2,498,000 | $ 356,857 | $ 0 |
| Jefferson, Kentucky | 7 | $ 2,743,000 | $ 391,857 | $ 0 |
| Cumberland, Maine | 7 | $ 2,690,000 | $ 384,285 | $ 0 |
| Baltimore City, Maryland | 7 | $ 3,136,000 | $ 448,000 | $ 0 |
| Jackson, Missouri | 7 | $ 3,961,000 | $ 565,857 | $ 0 |
| Newport, Rhode Island | 7 | $ 3,320,000 | $ 474,285 | $ 0 |
| Davidson, Tennessee | 7 | $ 4,179,000 | $ 597,000 | $ 0 |
| New Castle, Delaware | 6 | $ 3,831,000 | $ 638,500 | $ 0 |
| Queen Anne's, Maryland | 6 | $ 3,284,000 | $ 547,333 | $ 0 |
| Worcester, Maryland | 6 | $ 2,914,000 | $ 485,666 | $ 0 |
| Berkshire, Massachusetts | 6 | $ 4,230,000 | $ 705,000 | $ 0 |
| Carver, Minnesota | 6 | $ 3,554,000 | $ 592,333 | $ 0 |
| St. Charles, Missouri | 6 | $ 2,115,000 | $ 352,500 | $ 0 |
| Iredell, North Carolina | 6 | $ 4,257,000 | $ 709,500 | $ 0 |
| Horry, South Carolina | 6 | $ 2,245,000 | $ 374,166 | $ 0 |
| Fairfax City, Virginia | 6 | $ 2,703,000 | $ 450,500 | $ 0 |
| Windham, Connecticut | 5 | $ 1,349,000 | $ 269,800 | $ 109,000 |
| Hancock, Maine | 5 | $ 1,315,000 | $ 263,000 | $ 0 |
| Talbot, Maryland | 5 | $ 2,466,000 | $ 493,200 | $ 0 |
| Dukes, Massachusetts | 5 | $ 4,149,000 | $ 829,800 | $ 0 |
| Douglas, Nebraska | 5 | $ 2,539,000 | $ 507,800 | $ 0 |
| Belknap, New Hampshire | 5 | $ 1,872,000 | $ 374,400 | $ 0 |
| Salem, New Jersey | 5 | $ 1,193,000 | $ 238,600 | $ 106,000 |
| Dare, North Carolina | 5 | $ 3,122,000 | $ 624,400 | $ 0 |
| Forsyth, North Carolina | 5 | $ 2,533,000 | $ 506,600 | $ 0 |
| Orange, North Carolina | 5 | $ 2,864,000 | $ 572,800 | $ 0 |
| Providence, Rhode Island | 5 | $ 1,552,000 | $ 310,400 | $ 0 |
| Georgetown, South Carolina | 5 | $ 4,149,000 | $ 829,800 | $ 0 |
| Chesapeake, Virginia | 5 | $ 2,124,000 | $ 424,800 | $ 0 |
| York, Maine | 4 | $ 1,657,000 | $ 414,250 | $ 0 |
| St. Mary's, Maryland | 4 | $ 1,760,000 | $ 440,000 | $ 0 |
| Camden, Missouri | 4 | $ 2,576,000 | $ 644,000 | $ 0 |
| Currituck, North Carolina | 4 | $ 2,583,000 | $ 645,750 | $ 0 |
| Durham, North Carolina | 4 | $ 2,732,000 | $ 683,000 | $ 0 |
| Macon, North Carolina | 4 | $ 2,334,000 | $ 583,500 | $ 0 |
| Lancaster, Pennsylvania | 4 | $ 2,159,000 | $ 539,750 | $ 0 |
| Clarke, Virginia | 4 | $ 2,055,000 | $ 513,750 | $ 0 |
| Manassas Park, Virginia | 4 | $ 1,386,000 | $ 346,500 | $ 0 |
| Washington, Arkansas | 3 | $ 1,490,000 | $ 496,666 | $ 0 |
| Allen, Indiana | 3 | $ 707,000 | $ 235,666 | $ 0 |
| Boone, Indiana | 3 | $ 1,466,000 | $ 488,666 | $ 0 |
| Marion, Indiana | 3 | $ 1,508,000 | $ 502,666 | $ 0 |
| Boone, Kentucky | 3 | $ 1,593,000 | $ 531,000 | $ 0 |
| Fayette, Kentucky | 3 | $ 2,872,000 | $ 957,333 | $ 0 |
| Kenton, Kentucky | 3 | $ 1,573,000 | $ 524,333 | $ 0 |
| Carroll, Maryland | 3 | $ 1,554,000 | $ 518,000 | $ 0 |
| Crow Wing, Minnesota | 3 | $ 1,851,000 | $ 617,000 | $ 0 |
| Clay, Missouri | 3 | $ 1,313,000 | $ 437,666 | $ 0 |
| St. Louis City, Missouri | 3 | $ 1,403,000 | $ 467,666 | $ 0 |
| Lancaster, Nebraska | 3 | $ 1,615,000 | $ 538,333 | $ 0 |
| Cumberland, New Jersey | 3 | $ 383,000 | $ 127,666 | $ 60,000 |
| Monroe, New York | 3 | $ 483,000 | $ 161,000 | $ 0 |
| Brunswick, North Carolina | 3 | $ 1,470,000 | $ 490,000 | $ 0 |
| Allegheny, Pennsylvania | 3 | $ 1,052,000 | $ 350,666 | $ 0 |
| Butler, Pennsylvania | 3 | $ 1,265,000 | $ 421,666 | $ 0 |
| Dorchester, South Carolina | 3 | $ 1,035,000 | $ 345,000 | $ 0 |
| Lexington, South Carolina | 3 | $ 917,000 | $ 305,666 | $ 0 |
| Oconee, South Carolina | 3 | $ 1,816,000 | $ 605,333 | $ 0 |
| Pickens, South Carolina | 3 | $ 2,593,000 | $ 864,333 | $ 0 |
| Richland, South Carolina | 3 | $ 1,135,000 | $ 378,333 | $ 0 |
| York, South Carolina | 3 | $ 1,347,000 | $ 449,000 | $ 0 |
| Knox, Tennessee | 3 | $ 1,899,000 | $ 633,000 | $ 0 |
| Falls Church, Virginia | 3 | $ 1,440,000 | $ 480,000 | $ 0 |
| Goochland, Virginia | 3 | $ 1,397,000 | $ 465,666 | $ 0 |
| James City, Virginia | 3 | $ 1,518,000 | $ 506,000 | $ 0 |
| Nelson, Virginia | 3 | $ 1,043,000 | $ 347,666 | $ 0 |
| Norfolk, Virginia | 3 | $ 1,429,000 | $ 476,333 | $ 0 |
| Richmond City, Virginia | 3 | $ 1,943,000 | $ 647,666 | $ 0 |
| Suffolk, Virginia | 3 | $ 1,588,000 | $ 529,333 | $ 0 |
| St. Croix, Wisconsin | 3 | $ 1,562,000 | $ 520,666 | $ 0 |
| Walworth, Wisconsin | 3 | $ 1,360,000 | $ 453,333 | $ 0 |
| Faulkner, Arkansas | 2 | $ 668,000 | $ 334,000 | $ 0 |
| Kendall, Illinois | 2 | $ 512,000 | $ 256,000 | $ 0 |
| Madison, Illinois | 2 | $ 1,389,000 | $ 694,500 | $ 0 |
| McLean, Illinois | 2 | $ 1,131,000 | $ 565,500 | $ 0 |
| Johnson, Indiana | 2 | $ 862,000 | $ 431,000 | $ 0 |
| Vanderburgh, Indiana | 2 | $ 896,000 | $ 448,000 | $ 0 |
| Warrick, Indiana | 2 | $ 532,000 | $ 266,000 | $ 0 |
| Douglas, Kansas | 2 | $ 1,158,000 | $ 579,000 | $ 0 |
| Bullitt, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Oldham, Kentucky | 2 | $ 1,279,000 | $ 639,500 | $ 0 |
| Knox, Maine | 2 | $ 1,830,000 | $ 915,000 | $ 0 |
| Lincoln, Maine | 2 | $ 1,792,000 | $ 896,000 | $ 0 |
| Washington, Maryland | 2 | $ 1,043,000 | $ 521,500 | $ 0 |
| Bristol, Massachusetts | 2 | $ 368,000 | $ 184,000 | $ 0 |
| Olmsted, Minnesota | 2 | $ 970,000 | $ 485,000 | $ 0 |
| Wright, Minnesota | 2 | $ 646,000 | $ 323,000 | $ 0 |
| Boone, Missouri | 2 | $ 1,129,000 | $ 564,500 | $ 0 |
| Merrimack, New Hampshire | 2 | $ 556,000 | $ 278,000 | $ 0 |
| Strafford, New Hampshire | 2 | $ 888,000 | $ 444,000 | $ 0 |
| Erie, New York | 2 | $ 706,000 | $ 353,000 | $ 0 |
| Essex, New York | 2 | $ 601,000 | $ 300,500 | $ 0 |
| Franklin, New York | 2 | $ 2,229,000 | $ 1,114,500 | $ 226,000 |
| Greene, New York | 2 | $ 648,000 | $ 324,000 | $ 109,000 |
| Sullivan, New York | 2 | $ 657,000 | $ 328,500 | $ 0 |
| Carteret, North Carolina | 2 | $ 949,000 | $ 474,500 | $ 0 |
| Catawba, North Carolina | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Chatham, North Carolina | 2 | $ 1,417,000 | $ 708,500 | $ 0 |
| Guilford, North Carolina | 2 | $ 1,604,000 | $ 802,000 | $ 0 |
| Lincoln, North Carolina | 2 | $ 1,319,000 | $ 659,500 | $ 0 |
| Pitt, North Carolina | 2 | $ 1,274,000 | $ 637,000 | $ 0 |
| Berks, Pennsylvania | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Cumberland, Pennsylvania | 2 | $ 803,000 | $ 401,500 | $ 0 |
| Dauphin, Pennsylvania | 2 | $ 742,000 | $ 371,000 | $ 0 |
| Luzerne, Pennsylvania | 2 | $ 459,000 | $ 229,500 | $ 0 |
| York, Pennsylvania | 2 | $ 979,000 | $ 489,500 | $ 0 |
| Aiken, South Carolina | 2 | $ 1,132,000 | $ 566,000 | $ 0 |
| Berkeley, South Carolina | 2 | $ 1,741,000 | $ 870,500 | $ 0 |
| Loudon, Tennessee | 2 | $ 1,327,000 | $ 663,500 | $ 0 |
| Sevier, Tennessee | 2 | $ 1,410,000 | $ 705,000 | $ 0 |
| Bennington, Vermont | 2 | $ 1,619,000 | $ 809,500 | $ 0 |
| Chittenden, Vermont | 2 | $ 1,513,000 | $ 756,500 | $ 0 |
| Windham, Vermont | 2 | $ 695,000 | $ 347,500 | $ 0 |
| Botetourt, Virginia | 2 | $ 422,000 | $ 211,000 | $ 0 |
| Hanover, Virginia | 2 | $ 773,000 | $ 386,500 | $ 0 |
| Montgomery, Virginia | 2 | $ 661,000 | $ 330,500 | $ 0 |
| Rockingham, Virginia | 2 | $ 669,000 | $ 334,500 | $ 0 |
| York, Virginia | 2 | $ 1,139,000 | $ 569,500 | $ 0 |
| Cabell, West Virginia | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Brown, Wisconsin | 2 | $ 1,008,000 | $ 504,000 | $ 0 |
| Ozaukee, Wisconsin | 2 | $ 1,345,000 | $ 672,500 | $ 0 |
| Racine, Wisconsin | 2 | $ 892,000 | $ 446,000 | $ 0 |
| Baxter, Arkansas | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Craighead, Arkansas | 1 | $ 658,000 | $ 658,000 | $ 0 |
| Garland, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Kent, Delaware | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Adams, Illinois | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Champaign, Illinois | 1 | $ 708,000 | $ 708,000 | $ 0 |
| Marshall, Illinois | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Sangamon, Illinois | 1 | $ 570,000 | $ 570,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Whiteside, Illinois | 1 | $ 628,000 | $ 628,000 | $ 0 |
| Bartholomew, Indiana | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hancock, Indiana | 1 | $ 483,000 | $ 483,000 | $ 0 |
| Lake, Indiana | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Madison, Indiana | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Monroe, Indiana | 1 | $ 711,000 | $ 711,000 | $ 0 |
| Dallas, Iowa | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Johnson, Iowa | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Warren, Iowa | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Reno, Kansas | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 729,000 | $ 729,000 | $ 0 |
| Campbell, Kentucky | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Casey, Kentucky | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Garrard, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Jessamine, Kentucky | 1 | $ 837,000 | $ 837,000 | $ 0 |
| Androscoggin, Maine | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Sagadahoc, Maine | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Waldo, Maine | 1 | $ 727,000 | $ 727,000 | $ 0 |
| Garrett, Maryland | 1 | $ 840,000 | $ 840,000 | $ 0 |
| Kent, Maryland | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Franklin, Massachusetts | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Hampden, Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Hampshire, Massachusetts | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Isanti, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Otter Tail, Minnesota | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 161,000 | $ 161,000 | $ 0 |
| St. Louis, Minnesota | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Cass, Missouri | 1 | $ 748,000 | $ 748,000 | $ 0 |
| Christian, Missouri | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Franklin, Missouri | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Platte, Missouri | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Taney, Missouri | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Warren, Missouri | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Coos, New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Albany, New York | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Cortland, New York | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Delaware, New York | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Genesee, New York | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Onondaga, New York | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Ontario, New York | 1 | $ 893,000 | $ 893,000 | $ 0 |
| Oswego, New York | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Otsego, New York | 1 | $ 558,000 | $ 558,000 | $ 0 |
| Schenectady, New York | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Warren, New York | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Washington, New York | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Wayne, New York | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Cabarrus, North Carolina | 1 | $ 818,000 | $ 818,000 | $ 0 |
| Cherokee, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Craven, North Carolina | 1 | $ 644,000 | $ 644,000 | $ 0 |
| Gaston, North Carolina | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Halifax, North Carolina | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 939,000 | $ 939,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Moore, North Carolina | 1 | $ 623,000 | $ 623,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Cass, North Dakota | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Adams, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beaver, Pennsylvania | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Blair, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Lackawanna, Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Lawrence, Pennsylvania | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 856,000 | $ 856,000 | $ 0 |
| Pike, Pennsylvania | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Schuylkill, Pennsylvania | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Somerset, Pennsylvania | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Minnehaha, South Dakota | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Blount, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Hamblen, Tennessee | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 568,000 | $ 568,000 | $ 0 |
| White, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orleans, Vermont | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Rutland, Vermont | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Bedford, Virginia | 1 | $ 463,000 | $ 463,000 | $ 0 |
| Charlottesville, Virginia | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Culpeper, Virginia | 1 | $ 844,000 | $ 844,000 | $ 0 |
| Frederick, Virginia | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Gloucester, Virginia | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Harrisonburg, Virginia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Isle of Wight, Virginia | 1 | $ 394,000 | $ 394,000 | $ 0 |
| King George, Virginia | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Lynchburg, Virginia | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Newport News, Virginia | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Orange, Virginia | 1 | $ 1,068,000 | $ 1,068,000 | $ 0 |
| Roanoke, Virginia | 1 | $ 737,000 | $ 737,000 | $ 0 |
| Rockbridge, Virginia | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Shenandoah, Virginia | 1 | $ 541,000 | $ 541,000 | $ 0 |
| Washington, Virginia | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Williamsburg, Virginia | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Morgan, West Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Wood, West Virginia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Barron, Wisconsin | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Chippewa, Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Dodge, Wisconsin | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Door, Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Juneau, Wisconsin | 1 | $ 297,000 | $ 297,000 | $ 0 |
| Kenosha, Wisconsin | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Marinette, Wisconsin | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Marquette, Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 530,000 | $ 530,000 | $ 0 |
| Pierce, Wisconsin | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Richland, Wisconsin | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Rock, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Sawyer, Wisconsin | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Vilas, Wisconsin | 1 | $ 519,000 | $ 519,000 | $ 0 |
| Washburn, Wisconsin | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Washington, Wisconsin | 1 | $ 451,000 | $ 451,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hudson City Savings Bank in 2009
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 | 12,322 | $6,533,031,000 | $530,000 | $7,700,000 | $178,000 | $8,076,000 |
| Home Purchase | 7,667 | $3,981,818,000 | $519,000 | $3,000,000 | $160,000 | $9,999,000 |
| Home Improvement | 1,794 | $566,397,000 | $315,000 | $3,000,000 | $165,000 | $3,600,000 |
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 | 11,683 | $6,052,452,000 | $518,000 | $5,000,000 | $242,000 | $9,999,000 |
| Not applicable | 6,450 | $3,273,065,000 | $507,000 | $7,700,000 | $19,000 | $4,662,000 |
| Asian | 1,496 | $644,320,000 | $430,000 | $2,622,000 | $176,000 | $1,696,000 |
| Not Provided | 1,447 | $863,308,000 | $596,000 | $4,475,000 | $273,000 | $5,022,000 |
| Hispanic | 480 | $168,803,000 | $351,000 | $2,210,000 | $148,000 | $4,531,000 |
| Black or African American | 200 | $67,914,000 | $339,000 | $2,500,000 | $157,000 | $800,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $8,281,000 | $487,000 | $1,410,000 | $190,000 | $626,000 |
| American Indian or Alaskan Native | 10 | $3,103,000 | $310,000 | $775,000 | $217,000 | $1,080,000 |
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) | 21,783 | $11,081,246,000 | $508,000 | $7,700,000 | $171,000 | $9,999,000 |
| 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 | 11,466 | $5,963,118,000 | $520,000 | $5,000,000 | $248,000 | $9,000,000 |
| Loan Purchased By The Institution | 6,276 | $3,174,637,000 | $505,000 | $7,700,000 | $6,000 | $404,000 |
| Application Denied By Financial Institution | 2,553 | $1,168,751,000 | $457,000 | $3,000,000 | $171,000 | $9,999,000 |
| Application Approved But Not Accepted | 774 | $432,763,000 | $559,000 | $3,000,000 | $297,000 | $4,662,000 |
| File Closed For Incompleteness | 600 | $278,272,000 | $463,000 | $3,000,000 | $226,000 | $5,022,000 |
| Application Withdrawn By Applicant | 114 | $63,705,000 | $558,000 | $3,355,000 | $246,000 | $2,645,000 |
| 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 | 730 | $306,560,000 | $419,000 | $2,819,000 | $118,000 | $2,053,000 |
| Collateral | 609 | $311,270,000 | $511,000 | $2,577,000 | $215,000 | $1,992,000 |
| Other | 499 | $268,943,000 | $538,000 | $3,000,000 | $228,000 | $9,999,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 353 | $137,518,000 | $389,000 | $2,000,000 | $126,000 | $1,491,000 |
| Credit History | 303 | $117,753,000 | $388,000 | $2,473,000 | $153,000 | $754,000 |
| Unverifiable Information | 27 | $12,184,000 | $451,000 | $1,500,000 | $212,000 | $1,020,000 |
| Credit Application Incomplete | 18 | $9,317,000 | $517,000 | $1,480,000 | $349,000 | $1,400,000 |
| Employment History | 13 | $4,688,000 | $360,000 | $932,000 | $156,000 | $613,000 |
| Mortgage Insurance Denied | 1 | $518,000 | $518,000 | $518,000 | $188,000 | $188,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings Bank's 2009 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 Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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