Hudson City Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Hudson City Savings Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Hudson City Savings Bank
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 $468,363
Highest Mortgage Loan Application Amount $2,900,000
Average Applicant Income $5,212
Highest Applicant Income $6,000,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Hudson City Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Hudson City Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down Hudson City Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Hudson City Savings Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Hudson City Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Hudson City Savings Bank's mortgage activity for 2004.

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

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
NEWARK-UNION, NJ-PA 2,056 $ 600,898,000 $ 292,000 $ 117,000
EDISON, NJ 1,893 $ 457,783,000 $ 241,000 $ 105,000
CHICAGO-NAPERVILLE-JOLIET, IL 601 $ 300,231,000 $ 499,000 $ 0
NASSAU-SUFFOLK, NY 565 $ 279,085,000 $ 493,000 $ 49,000
NEW YORK-WAYNE-WHITE PLAINS, NY-NJ 560 $ 281,039,000 $ 501,000 $ 19,000
CAMDEN, NJ 330 $ 54,891,000 $ 166,000 $ 86,000
BETHESDA-FREDERICK-GAITHERSBURG, MD 234 $ 115,482,000 $ 493,000 $ 0
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 215 $ 105,720,000 $ 491,000 $ 0
BALTIMORE-TOWSON, MD 200 $ 94,851,000 $ 474,000 $ 0
BOSTON-QUINCY, MA 179 $ 87,611,000 $ 489,000 $ 0
PHILADELPHIA, PA 177 $ 87,244,000 $ 492,000 $ 0
BRIDGEPORT-STAMFORD-NORWALK, CT 175 $ 92,578,000 $ 529,000 $ 0
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 175 $ 82,917,000 $ 473,000 $ 0
LAKE COUNTY-KENOSHA COUNTY, IL-WI 131 $ 66,774,000 $ 509,000 $ 0
WARREN-FARMINGTON HILLS-TROY, MI 131 $ 60,261,000 $ 460,000 $ 0
TRENTON-EWING, NJ 116 $ 36,643,000 $ 315,000 $ 103,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 94 $ 48,589,000 $ 516,000 $ 0
CINCINNATI-MIDDLETOWN, OH-KY-IN 81 $ 38,802,000 $ 479,000 $ 0
COLUMBUS, OH 65 $ 32,506,000 $ 500,000 $ 0
ESSEX COUNTY, MA 65 $ 32,125,000 $ 494,000 $ 0
ST. LOUIS, MO-IL 61 $ 30,085,000 $ 493,000 $ 0
INDIANAPOLIS, IN 55 $ 26,650,000 $ 484,000 $ 0
RALEIGH-CARY, NC 43 $ 20,829,000 $ 484,000 $ 0
ATLANTIC CITY, NJ 41 $ 8,876,000 $ 216,000 $ 49,000
CHARLOTTE-GASTONIA-CONCORD, NC-SC 40 $ 19,797,000 $ 494,000 $ 0
NEW HAVEN-MILFORD, CT 39 $ 18,740,000 $ 480,000 $ 0
WORCESTER, MA 38 $ 17,172,000 $ 451,000 $ 0
DETROIT-LIVONIA-DEARBORN, MI 36 $ 18,313,000 $ 508,000 $ 0
PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA 35 $ 16,353,000 $ 467,000 $ 0
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 33 $ 16,418,000 $ 497,000 $ 0
CLEVELAND-ELYRIA-MENTOR, OH 30 $ 13,940,000 $ 464,000 $ 0
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 30 $ 13,321,000 $ 444,000 $ 0
RICHMOND, VA 28 $ 12,370,000 $ 441,000 $ 0
ANN ARBOR, MI 27 $ 13,181,000 $ 488,000 $ 0
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 26 $ 12,246,000 $ 471,000 $ 0
OCEAN CITY, NJ 24 $ 12,128,000 $ 505,000 $ 98,000
DURHAM, NC 20 $ 9,862,000 $ 493,000 $ 0
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 20 $ 8,629,000 $ 431,000 $ 0
GRAND RAPIDS-WYOMING, MI 19 $ 8,797,000 $ 463,000 $ 0
PITTSBURGH, PA 19 $ 9,513,000 $ 500,000 $ 0
WILMINGTON, NC 19 $ 8,592,000 $ 452,000 $ 0
BARNSTABLE TOWN, MA 16 $ 7,357,000 $ 459,000 $ 0
CHARLESTON-NORTH CHARLESTON, SC 15 $ 6,747,000 $ 449,000 $ 0
MADISON, WI 14 $ 7,487,000 $ 534,000 $ 0
ROANOKE, VA 14 $ 5,803,000 $ 414,000 $ 0
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 14 $ 5,904,000 $ 421,000 $ 0
TOLEDO, OH 14 $ 6,003,000 $ 428,000 $ 0
AKRON, OH 13 $ 5,258,000 $ 404,000 $ 0
KANSAS CITY, MO-KS 12 $ 6,369,000 $ 530,000 $ 0
DAYTON, OH 11 $ 4,186,000 $ 380,000 $ 0
PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME 11 $ 5,001,000 $ 454,000 $ 0
GARY, IN 10 $ 4,343,000 $ 434,000 $ 0
WILMINGTON, DE-MD-NJ 10 $ 4,884,000 $ 488,000 $ 0
KALAMAZOO-PORTAGE, MI 9 $ 4,070,000 $ 452,000 $ 0
MANCHESTER-NASHUA, NH 9 $ 3,959,000 $ 439,000 $ 0
GREENSBORO-HIGH POINT, NC 8 $ 3,815,000 $ 476,000 $ 0
HOLLAND-GRAND HAVEN, MI 8 $ 3,711,000 $ 463,000 $ 0
CHARLOTTESVILLE, VA 7 $ 3,360,000 $ 480,000 $ 0
DES MOINES, IA 7 $ 3,460,000 $ 494,000 $ 0
NORWICH-NEW LONDON, CT 7 $ 4,173,000 $ 596,000 $ 0
FORT WAYNE, IN 6 $ 2,240,000 $ 373,000 $ 0
HARRISBURG-CARLISLE, PA 6 $ 1,963,000 $ 327,000 $ 0
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC 6 $ 2,617,000 $ 436,000 $ 0
OMAHA-COUNCIL BLUFFS, NE-IA 6 $ 3,378,000 $ 563,000 $ 0
ROCHESTER, NY 6 $ 3,165,000 $ 527,000 $ 0
WINCHESTER, VA-WV 6 $ 2,430,000 $ 405,000 $ 0
COLUMBIA, SC 5 $ 2,340,000 $ 468,000 $ 0
NASHVILLE-DAVIDSON--MURFREESBORO, TN 5 $ 2,449,000 $ 489,000 $ 0
ALBANY-SCHENECTADY-TROY, NY 4 $ 1,854,000 $ 463,000 $ 0
ASHEVILLE, NC 4 $ 1,642,000 $ 410,000 $ 0
BUFFALO-NIAGARA FALLS, NY 4 $ 1,999,000 $ 499,000 $ 0
BURLINGTON-SOUTH BURLINGTON, VT 4 $ 1,691,000 $ 422,000 $ 0
CHAMPAIGN-URBANA, IL 4 $ 1,953,000 $ 488,000 $ 0
HICKORY-LENOIR-MORGANTON, NC 4 $ 1,911,000 $ 477,000 $ 0
LANSING-EAST LANSING, MI 4 $ 2,132,000 $ 533,000 $ 0
MICHIGAN CITY-LA PORTE, IN 4 $ 1,616,000 $ 404,000 $ 0
SPRINGFIELD, MA 4 $ 1,544,000 $ 386,000 $ 0
WICHITA, KS 4 $ 1,919,000 $ 479,000 $ 0
WINSTON-SALEM, NC 4 $ 1,809,000 $ 452,000 $ 0
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 3 $ 1,053,000 $ 351,000 $ 0
EVANSVILLE, IN-KY 3 $ 1,454,000 $ 484,000 $ 0
GREEN BAY, WI 3 $ 1,457,000 $ 485,000 $ 0
LAFAYETTE, IN 3 $ 1,222,000 $ 407,000 $ 0
ROCKFORD, IL 3 $ 1,331,000 $ 443,000 $ 0
SCRANTON--WILKES-BARRE, PA 3 $ 1,896,000 $ 632,000 $ 0
ST. CLOUD, MN 3 $ 1,208,000 $ 402,000 $ 0
VINELAND-MILLVILLE-BRIDGETON, NJ 3 $ 553,000 $ 184,000 $ 23,000
BISMARCK, ND 2 $ 805,000 $ 402,000 $ 0
CANTON-MASSILLON, OH 2 $ 914,000 $ 457,000 $ 0
CEDAR RAPIDS, IA 2 $ 848,000 $ 424,000 $ 0
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 2 $ 1,058,000 $ 529,000 $ 0
DULUTH, MN-WI 2 $ 766,000 $ 383,000 $ 0
FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO 2 $ 1,405,000 $ 702,000 $ 0
FORT SMITH, AR-OK 2 $ 934,000 $ 467,000 $ 0
GLENS FALLS, NY 2 $ 1,196,000 $ 598,000 $ 0
IOWA CITY, IA 2 $ 1,188,000 $ 594,000 $ 0
KINGSTON, NY 2 $ 768,000 $ 384,000 $ 0
LINCOLN, NE 2 $ 1,028,000 $ 514,000 $ 0
LOUISVILLE, KY-IN 2 $ 858,000 $ 429,000 $ 0
MEMPHIS, TN-MS-AR 2 $ 1,055,000 $ 527,000 $ 0
MONROE, MI 2 $ 772,000 $ 386,000 $ 0
ROCHESTER, MN 2 $ 799,000 $ 399,000 $ 0
SALISBURY, MD 2 $ 1,033,000 $ 516,000 $ 0
SANDUSKY, OH 2 $ 1,036,000 $ 518,000 $ 0
SOUTH BEND-MISHAWAKA, IN-MI 2 $ 457,000 $ 228,000 $ 0
SPRINGFIELD, IL 2 $ 1,036,000 $ 518,000 $ 0
SPRINGFIELD, MO 2 $ 779,000 $ 389,000 $ 0
SYRACUSE, NY 2 $ 1,000,000 $ 500,000 $ 0
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 2 $ 870,000 $ 435,000 $ 0
ALTOONA, PA 1 $ 417,000 $ 417,000 $ 0
ANCHORAGE, AK 1 $ 920,000 $ 920,000 $ 0
BLACKSBURG-CHRISTIANSBURG-RADFORD, VA 1 $ 413,000 $ 413,000 $ 0
BLOOMINGTON, IN 1 $ 379,000 $ 379,000 $ 0
BOULDER, CO 1 $ 479,000 $ 479,000 $ 0
BURLINGTON, NC 1 $ 511,000 $ 511,000 $ 0
CHARLESTON, WV 1 $ 388,000 $ 388,000 $ 0
CHATTANOOGA, TN-GA 1 $ 403,000 $ 403,000 $ 0
DOVER, DE 1 $ 380,000 $ 380,000 $ 0
ERIE, PA 1 $ 512,000 $ 512,000 $ 0
FLINT, MI 1 $ 383,000 $ 383,000 $ 0
GREENVILLE, NC 1 $ 555,000 $ 555,000 $ 0
HARRISONBURG, VA 1 $ 372,000 $ 372,000 $ 0
HOT SPRINGS, AR 1 $ 492,000 $ 492,000 $ 0
JONESBORO, AR 1 $ 426,000 $ 426,000 $ 0
KNOXVILLE, TN 1 $ 431,000 $ 431,000 $ 0
LEXINGTON-FAYETTE, KY 1 $ 420,000 $ 420,000 $ 0
LITTLE ROCK-NORTH LITTLE ROCK, AR 1 $ 473,000 $ 473,000 $ 0
LYNCHBURG, VA 1 $ 697,000 $ 697,000 $ 0
MUSKEGON-NORTON SHORES, MI 1 $ 637,000 $ 637,000 $ 0
NILES-BENTON HARBOR, MI 1 $ 445,000 $ 445,000 $ 0
OSHKOSH-NEENAH, WI 1 $ 699,000 $ 699,000 $ 0
PEORIA, IL 1 $ 514,000 $ 514,000 $ 0
PINE BLUFF, AR 1 $ 103,000 $ 103,000 $ 0
PITTSFIELD, MA 1 $ 499,000 $ 499,000 $ 0
PORTLAND-VANCOUVER-BEAVERTON, OR-WA 1 $ 450,000 $ 450,000 $ 0
RACINE, WI 1 $ 576,000 $ 576,000 $ 0
RAPID CITY, SD 1 $ 434,000 $ 434,000 $ 0
SAGINAW-SAGINAW TOWNSHIP NORTH, MI 1 $ 400,000 $ 400,000 $ 0
SHEBOYGAN, WI 1 $ 376,000 $ 376,000 $ 0
SPARTANBURG, SC 1 $ 390,000 $ 390,000 $ 0
TOPEKA, KS 1 $ 362,000 $ 362,000 $ 0
UTICA-ROME, NY 1 $ 442,000 $ 442,000 $ 0
WATERLOO-CEDAR FALLS, IA 1 $ 448,000 $ 448,000 $ 0
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 1 $ 458,000 $ 458,000 $ 0
YORK-HANOVER, PA 1 $ 338,000 $ 338,000 $ 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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