Hudson City Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Hudson City Savings Bank 2012 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 | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 10,337 |
| Total Mortgage Loan Application Amount | $6,274,999,000 |
| Average Mortgage Loan Application Amount | $565,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $264,666 |
| Highest Applicant Income | $5,962,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield County Connecticut | 1,310 | $ 1,079,712,000 | $ 824,000 | $ 341,000 |
| Bergen County New Jersey | 1,162 | $ 593,016,000 | $ 510,000 | $ 250,000 |
| Suffolk County New York | 636 | $ 457,658,000 | $ 719,000 | $ 384,000 |
| Westchester County New York | 632 | $ 425,981,000 | $ 674,000 | $ 303,000 |
| Nassau County New York | 565 | $ 384,685,000 | $ 680,000 | $ 309,000 |
| Monmouth County New Jersey | 521 | $ 309,342,000 | $ 593,000 | $ 285,000 |
| New York County New York | 477 | $ 414,304,000 | $ 868,000 | $ 386,000 |
| Morris County New Jersey | 443 | $ 229,864,000 | $ 518,000 | $ 246,000 |
| Kings County New York | 414 | $ 295,278,000 | $ 713,000 | $ 257,000 |
| Ocean County New Jersey | 379 | $ 128,472,000 | $ 338,000 | $ 198,000 |
| Essex County New Jersey | 372 | $ 200,051,000 | $ 537,000 | $ 279,000 |
| Hudson County New Jersey | 299 | $ 140,085,000 | $ 468,000 | $ 229,000 |
| Queens County New York | 249 | $ 113,152,000 | $ 454,000 | $ 156,000 |
| Union County New Jersey | 236 | $ 130,240,000 | $ 551,000 | $ 262,000 |
| Somerset County New Jersey | 222 | $ 120,759,000 | $ 543,000 | $ 291,000 |
| Middlesex County New Jersey | 205 | $ 60,121,000 | $ 293,000 | $ 147,000 |
| Montgomery County Pennsylvania | 173 | $ 118,423,000 | $ 684,000 | $ 375,000 |
| Mercer County New Jersey | 157 | $ 89,722,000 | $ 571,000 | $ 269,000 |
| Passaic County New Jersey | 127 | $ 33,423,000 | $ 263,000 | $ 144,000 |
| Cape May County New Jersey | 123 | $ 86,266,000 | $ 701,000 | $ 396,000 |
| Bucks County Pennsylvania | 122 | $ 67,566,000 | $ 553,000 | $ 263,000 |
| Chester County Pennsylvania | 113 | $ 72,443,000 | $ 641,000 | $ 297,000 |
| New Haven County Connecticut | 99 | $ 46,769,000 | $ 472,000 | $ 213,000 |
| Richmond County New York | 97 | $ 44,935,000 | $ 463,000 | $ 199,000 |
| Rockland County New York | 95 | $ 39,789,000 | $ 418,000 | $ 192,000 |
| Litchfield County Connecticut | 88 | $ 68,327,000 | $ 776,000 | $ 395,000 |
| Delaware County Pennsylvania | 83 | $ 52,995,000 | $ 638,000 | $ 368,000 |
| Philadelphia County Pennsylvania | 83 | $ 49,309,000 | $ 594,000 | $ 323,000 |
| Burlington County New Jersey | 81 | $ 28,294,000 | $ 349,000 | $ 188,000 |
| Norfolk County Massachusetts | 68 | $ 52,297,000 | $ 769,000 | $ 351,000 |
| Middlesex County Massachusetts | 67 | $ 50,294,000 | $ 750,000 | $ 314,000 |
| Hartford County Connecticut | 65 | $ 33,682,000 | $ 518,000 | $ 264,000 |
| Atlantic County New Jersey | 58 | $ 32,630,000 | $ 562,000 | $ 286,000 |
| Camden County New Jersey | 58 | $ 17,041,000 | $ 293,000 | $ 187,000 |
| Hunterdon County New Jersey | 53 | $ 22,410,000 | $ 422,000 | $ 216,000 |
| Sussex County New Jersey | 43 | $ 14,666,000 | $ 341,000 | $ 169,000 |
| Bronx County New York | 37 | $ 15,532,000 | $ 419,000 | $ 157,000 |
| Orange County New York | 35 | $ 10,933,000 | $ 312,000 | $ 230,000 |
| Warren County New Jersey | 34 | $ 5,762,000 | $ 169,000 | $ 118,000 |
| Dutchess County New York | 30 | $ 15,746,000 | $ 524,000 | $ 388,000 |
| Putnam County New York | 27 | $ 7,851,000 | $ 290,000 | $ 130,000 |
| Suffolk County Massachusetts | 26 | $ 19,211,000 | $ 738,000 | $ 302,000 |
| New London County Connecticut | 24 | $ 15,141,000 | $ 630,000 | $ 332,000 |
| Middlesex County Connecticut | 19 | $ 11,207,000 | $ 589,000 | $ 267,000 |
| Plymouth County Massachusetts | 18 | $ 13,028,000 | $ 723,000 | $ 249,000 |
| Gloucester County New Jersey | 17 | $ 2,821,000 | $ 165,000 | $ 90,000 |
| Barnstable County Massachusetts | 13 | $ 7,343,000 | $ 564,000 | $ 259,000 |
| Lehigh County Pennsylvania | 13 | $ 6,849,000 | $ 526,000 | $ 312,000 |
| Essex County Massachusetts | 12 | $ 6,756,000 | $ 563,000 | $ 198,000 |
| Nantucket County Massachusetts | 11 | $ 9,711,000 | $ 882,000 | $ 734,000 |
| Columbia County New York | 8 | $ 4,936,000 | $ 617,000 | $ 413,000 |
| Northampton County Pennsylvania | 8 | $ 3,836,000 | $ 479,000 | $ 314,000 |
| Dukes County Massachusetts | 5 | $ 3,249,000 | $ 649,000 | $ 312,000 |
| Bristol County Massachusetts | 4 | $ 1,298,000 | $ 324,000 | $ 135,000 |
| Worcester County Massachusetts | 4 | $ 2,348,000 | $ 587,000 | $ 272,000 |
| Berks County Pennsylvania | 4 | $ 1,331,000 | $ 332,000 | $ 119,000 |
| Lancaster County Pennsylvania | 4 | $ 1,817,000 | $ 454,000 | $ 111,000 |
| Tolland County Connecticut | 2 | $ 1,097,000 | $ 548,000 | $ 136,000 |
| Cumberland County New Jersey | 2 | $ 358,000 | $ 179,000 | $ 84,000 |
| Jefferson County Kentucky | 1 | $ 650,000 | $ 650,000 | $ 33,000 |
| Anne Arundel County Maryland | 1 | $ 860,000 | $ 860,000 | $ 18,000 |
| Howard County Maryland | 1 | $ 550,000 | $ 550,000 | $ 15,000 |
| Montgomery County Maryland | 1 | $ 572,000 | $ 572,000 | $ 12,000 |
| Salem County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Hudson City Savings Bank in 2012
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 | 6,120 | $3,978,069,000 | $650,000 | $5,000,000 | $304,000 | $5,962,000 |
| Home Purchase | 3,023 | $1,732,397,000 | $573,000 | $3,200,000 | $270,000 | $5,865,000 |
| Home Improvement | 1,194 | $564,533,000 | $472,000 | $3,000,000 | $220,000 | $1,920,000 |
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 | 7,595 | $4,788,898,000 | $630,000 | $5,000,000 | $302,000 | $5,962,000 |
| Asian | 1,213 | $599,646,000 | $494,000 | $2,500,000 | $225,000 | $4,757,000 |
| Not Provided | 825 | $552,566,000 | $669,000 | $3,000,000 | $322,000 | $3,000,000 |
| Not applicable | 271 | $130,208,000 | $480,000 | $3,200,000 | $30,000 | $341,000 |
| Hispanic | 268 | $129,290,000 | $482,000 | $3,000,000 | $208,000 | $1,146,000 |
| Black or African American | 133 | $57,691,000 | $433,000 | $1,800,000 | $253,000 | $5,308,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $7,796,000 | $487,000 | $1,400,000 | $189,000 | $544,000 |
| American Indian or Alaskan Native | 16 | $8,904,000 | $556,000 | $1,750,000 | $241,000 | $1,018,000 |
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) | 10,234 | $6,256,196,000 | $611,000 | $5,000,000 | $287,000 | $5,962,000 |
| FHA-insured (Federal Housing Administration) | 103 | $18,803,000 | $182,000 | $613,000 | $73,000 | $236,000 |
| 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 | 7,772 | $4,877,421,000 | $627,000 | $3,200,000 | $299,000 | $5,962,000 |
| Application Denied By Financial Institution | 1,378 | $743,376,000 | $539,000 | $5,000,000 | $212,000 | $4,320,000 |
| Application Approved But Not Accepted | 566 | $337,492,000 | $596,000 | $3,000,000 | $283,000 | $3,000,000 |
| File Closed For Incompleteness | 427 | $257,997,000 | $604,000 | $3,000,000 | $323,000 | $5,444,000 |
| Loan Purchased By The Institution | 116 | $27,203,000 | $234,000 | $995,000 | $70,000 | $341,000 |
| Application Withdrawn By Applicant | 78 | $31,510,000 | $403,000 | $1,890,000 | $252,000 | $2,955,000 |
| 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 | 507 | $281,154,000 | $554,000 | $5,000,000 | $135,000 | $815,000 |
| Collateral | 361 | $214,862,000 | $595,000 | $3,000,000 | $287,000 | $4,207,000 |
| Other | 256 | $134,032,000 | $523,000 | $2,150,000 | $269,000 | $4,320,000 |
| Credit History | 213 | $93,196,000 | $437,000 | $2,000,000 | $210,000 | $1,031,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $7,805,000 | $459,000 | $1,963,000 | $162,000 | $587,000 |
| Employment History | 11 | $6,317,000 | $574,000 | $1,000,000 | $228,000 | $405,000 |
| Unverifiable Information | 7 | $2,339,000 | $334,000 | $790,000 | $126,000 | $331,000 |
| Credit Application Incomplete | 6 | $3,671,000 | $611,000 | $1,500,000 | $74,000 | $224,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hudson City Savings Bank's 2012 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.