BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2010

In 2010, BNY Mellon, N.A. of Pittsburgh, PA reported 1,063 mortgage applications totaling $1.3 billion, down 26% from 2009. The average application was for $1,184,912, and applicants reported an average income of $652,372. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (205), Boston-Quincy, MA (82) and Los Angeles-Long Beach-Glendale, CA (70) (applications in parentheses).

Mortgage Company & Address BNY Mellon, N.A.
500 Grant Street, Room 2850
Pittsburgh, PA 15258
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,063
Total Mortgage Loan Application Amount $1,259,562,000
Average Mortgage Loan Application Amount $1,184,912
Highest Mortgage Loan Application Amount $25,500,000
Average Applicant Income $652,372
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 BNY Mellon, N.A. by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
New York, New York 158 $ 229,487,000 $ 1,452,449 $ 762,000
Los Angeles, California 70 $ 102,149,000 $ 1,459,271 $ 774,000
Middlesex, Massachusetts 49 $ 50,946,000 $ 1,039,714 $ 545,000
Suffolk, Massachusetts 44 $ 42,800,000 $ 972,727 $ 718,000
Fairfield, Connecticut 39 $ 48,628,000 $ 1,246,871 $ 678,000
Orange, California 36 $ 50,302,000 $ 1,397,277 $ 635,000
Norfolk, Massachusetts 32 $ 36,295,000 $ 1,134,218 $ 540,000
Westchester, New York 24 $ 29,149,000 $ 1,214,541 $ 845,000
King, Washington 21 $ 19,922,000 $ 948,666 $ 366,000
Barnstable, Massachusetts 19 $ 17,706,000 $ 931,894 $ 495,000
San Francisco, California 18 $ 17,140,000 $ 952,222 $ 467,000
Miami-Dade, Florida 18 $ 26,072,000 $ 1,448,444 $ 814,000
Suffolk, New York 18 $ 24,727,000 $ 1,373,722 $ 715,000
Collier, Florida 17 $ 17,644,000 $ 1,037,882 $ 866,000
Allegheny, Pennsylvania 17 $ 10,174,000 $ 598,470 $ 434,000
Palm Beach, Florida 14 $ 16,797,000 $ 1,199,785 $ 470,000
Essex, Massachusetts 13 $ 12,011,000 $ 923,923 $ 529,000
Kings, New York 13 $ 11,756,000 $ 904,307 $ 406,000
Nassau, New York 13 $ 52,482,000 $ 4,037,076 $ 2,454,000
Fulton, Georgia 11 $ 15,175,000 $ 1,379,545 $ 347,000
Marin, California 10 $ 18,826,000 $ 1,882,600 $ 425,000
Santa Clara, California 10 $ 12,219,000 $ 1,221,900 $ 385,000
District of Columbia, District Of Columbia 10 $ 7,784,000 $ 778,400 $ 453,000
Cape May, New Jersey 10 $ 10,009,000 $ 1,000,900 $ 702,000
Chester, Pennsylvania 10 $ 7,729,000 $ 772,900 $ 381,000
Montgomery, Pennsylvania 10 $ 10,218,000 $ 1,021,800 $ 841,000
San Mateo, California 9 $ 10,553,000 $ 1,172,555 $ 368,000
Maricopa, Arizona 8 $ 9,520,000 $ 1,190,000 $ 454,000
Nantucket, Massachusetts 8 $ 8,910,000 $ 1,113,750 $ 771,000
San Diego, California 6 $ 8,120,000 $ 1,353,333 $ 190,000
Plymouth, Massachusetts 6 $ 4,854,000 $ 809,000 $ 274,000
Clark, Nevada 6 $ 4,970,000 $ 828,333 $ 183,000
Philadelphia, Pennsylvania 6 $ 6,372,000 $ 1,062,000 $ 420,000
Newport, Rhode Island 6 $ 6,409,000 $ 1,068,166 $ 640,000
Alameda, California 5 $ 4,994,000 $ 998,800 $ 250,000
Boulder, Colorado 5 $ 4,026,000 $ 805,200 $ 306,000
Hartford, Connecticut 5 $ 2,601,000 $ 520,200 $ 678,000
Litchfield, Connecticut 5 $ 6,058,000 $ 1,211,600 $ 520,000
Broward, Florida 5 $ 2,997,000 $ 599,400 $ 255,000
Indian River, Florida 5 $ 3,059,000 $ 611,800 $ 279,000
Honolulu, Hawaii 5 $ 8,910,000 $ 1,782,000 $ 642,000
Cook, Illinois 5 $ 7,382,000 $ 1,476,400 $ 565,000
Cumberland, Maine 5 $ 1,745,000 $ 349,000 $ 329,000
Morris, New Jersey 5 $ 4,856,000 $ 971,200 $ 383,000
Ocean, New Jersey 5 $ 6,331,000 $ 1,266,200 $ 814,000
Santa Barbara, California 4 $ 7,399,000 $ 1,849,750 $ 530,000
Jefferson, Colorado 4 $ 1,568,000 $ 392,000 $ 138,000
New Haven, Connecticut 4 $ 2,450,000 $ 612,500 $ 448,000
Sarasota, Florida 4 $ 4,055,000 $ 1,013,750 $ 1,147,000
Walton, Florida 4 $ 5,614,000 $ 1,403,500 $ 583,000
Dukes, Massachusetts 4 $ 2,860,000 $ 715,000 $ 241,000
Washoe, Nevada 4 $ 3,824,000 $ 956,000 $ 318,000
Bergen, New Jersey 4 $ 4,294,000 $ 1,073,500 $ 513,000
Delaware, Pennsylvania 4 $ 5,257,000 $ 1,314,250 $ 631,000
Providence, Rhode Island 4 $ 2,290,000 $ 572,500 $ 709,000
Washington, Rhode Island 4 $ 2,743,000 $ 685,750 $ 387,000
Summit, Utah 4 $ 3,130,000 $ 782,500 $ 1,308,000
Fairfax, Virginia 4 $ 5,055,000 $ 1,263,750 $ 694,000
Pima, Arizona 3 $ 1,231,000 $ 410,333 $ 342,000
Riverside, California 3 $ 3,403,000 $ 1,134,333 $ 604,000
San Luis Obispo, California 3 $ 2,808,000 $ 936,000 $ 326,000
Ventura, California 3 $ 4,929,000 $ 1,643,000 $ 595,000
Denver, Colorado 3 $ 4,315,000 $ 1,438,333 $ 529,000
Eagle, Colorado 3 $ 4,100,000 $ 1,366,666 $ 606,000
Pitkin, Colorado 3 $ 7,819,000 $ 2,606,333 $ 3,559,000
New London, Connecticut 3 $ 1,600,000 $ 533,333 $ 694,000
Hillsborough, Florida 3 $ 2,155,000 $ 718,333 $ 522,000
Orange, Florida 3 $ 2,820,000 $ 940,000 $ 455,000
Kauai, Hawaii 3 $ 7,335,000 $ 2,445,000 $ 2,183,000
Worcester, Massachusetts 3 $ 1,568,000 $ 522,666 $ 250,000
Rockingham, New Hampshire 3 $ 3,030,000 $ 1,010,000 $ 1,247,000
Monmouth, New Jersey 3 $ 4,190,000 $ 1,396,666 $ 640,000
Putnam, New York 3 $ 3,375,000 $ 1,125,000 $ 677,000
Mecklenburg, North Carolina 3 $ 3,225,000 $ 1,075,000 $ 406,000
Wake, North Carolina 3 $ 990,000 $ 330,000 $ 423,000
Travis, Texas 3 $ 2,280,000 $ 760,000 $ 245,000
Teton, Wyoming 3 $ 9,025,000 $ 3,008,333 $ 1,100,000
Mono, California 2 $ 1,535,000 $ 767,500 $ 583,000
Monterey, California 2 $ 1,410,000 $ 705,000 $ 653,000
Arapahoe, Colorado 2 $ 1,747,000 $ 873,500 $ 213,000
San Miguel, Colorado 2 $ 1,968,000 $ 984,000 $ 722,000
Lee, Florida 2 $ 1,250,000 $ 625,000 $ 262,000
Manatee, Florida 2 $ 1,309,000 $ 654,500 $ 595,000
Martin, Florida 2 $ 5,700,000 $ 2,850,000 $ 1,051,000
Monroe, Florida 2 $ 3,330,000 $ 1,665,000 $ 515,000
Cobb, Georgia 2 $ 2,200,000 $ 1,100,000 $ 534,000
Maui, Hawaii 2 $ 1,118,000 $ 559,000 $ 273,000
Blaine, Idaho 2 $ 9,200,000 $ 4,600,000 $ 2,088,000
Lafayette, Louisiana 2 $ 454,000 $ 227,000 $ 128,000
Hancock, Maine 2 $ 1,863,000 $ 931,500 $ 319,000
Montgomery, Maryland 2 $ 2,275,000 $ 1,137,500 $ 381,000
Hampshire, Massachusetts 2 $ 930,000 $ 465,000 $ 178,000
Muskegon, Michigan 2 $ 1,623,000 $ 811,500 $ 461,000
Gallatin, Montana 2 $ 6,200,000 $ 3,100,000 $ 603,000
Carroll, New Hampshire 2 $ 3,000,000 $ 1,500,000 $ 891,000
Grafton, New Hampshire 2 $ 1,500,000 $ 750,000 $ 783,000
Merrimack, New Hampshire 2 $ 730,000 $ 365,000 $ 142,000
Essex, New Jersey 2 $ 1,700,000 $ 850,000 $ 516,000
Santa Fe, New Mexico 2 $ 832,000 $ 416,000 $ 208,000
Monroe, New York 2 $ 1,710,000 $ 855,000 $ 667,000
Queens, New York 2 $ 1,085,000 $ 542,500 $ 636,000
Brunswick, North Carolina 2 $ 2,800,000 $ 1,400,000 $ 217,000
Geauga, Ohio 2 $ 1,590,000 $ 795,000 $ 496,000
Deschutes, Oregon 2 $ 1,275,000 $ 637,500 $ 149,000
Westmoreland, Pennsylvania 2 $ 2,760,000 $ 1,380,000 $ 427,000
Beaufort, South Carolina 2 $ 1,331,000 $ 665,500 $ 638,000
Charleston, South Carolina 2 $ 2,086,000 $ 1,043,000 $ 514,000
Harris, Texas 2 $ 600,000 $ 300,000 $ 296,000
Windsor, Vermont 2 $ 998,000 $ 499,000 $ 669,000
Whatcom, Washington 2 $ 487,000 $ 243,500 $ 137,000
Waukesha, Wisconsin 2 $ 915,000 $ 457,500 $ 205,000
Yavapai, Arizona 1 $ 727,000 $ 727,000 $ 1,841,000
Contra Costa, California 1 $ 1,100,000 $ 1,100,000 $ 580,000
San Bernardino, California 1 $ 1,135,000 $ 1,135,000 $ 335,000
Santa Cruz, California 1 $ 476,000 $ 476,000 $ 785,000
Douglas, Colorado 1 $ 1,100,000 $ 1,100,000 $ 352,000
Gunnison, Colorado 1 $ 605,000 $ 605,000 $ 221,000
La Plata, Colorado 1 $ 660,000 $ 660,000 $ 812,000
Charlotte, Florida 1 $ 400,000 $ 400,000 $ 1,033,000
Duval, Florida 1 $ 590,000 $ 590,000 $ 280,000
Pinellas, Florida 1 $ 2,000,000 $ 2,000,000 $ 5,665,000
St. Johns, Florida 1 $ 512,000 $ 512,000 $ 342,000
Bartow, Georgia 1 $ 600,000 $ 600,000 $ 270,000
Chatham, Georgia 1 $ 1,200,000 $ 1,200,000 $ 1,614,000
Cherokee, Georgia 1 $ 394,000 $ 394,000 $ 112,000
Gwinnett, Georgia 1 $ 446,000 $ 446,000 $ 216,000
Hawaii, Hawaii 1 $ 300,000 $ 300,000 $ 256,000
Ada, Idaho 1 $ 438,000 $ 438,000 $ 75,000
DuPage, Illinois 1 $ 450,000 $ 450,000 $ 210,000
Jessamine, Kentucky 1 $ 1,100,000 $ 1,100,000 $ 373,000
Waldo, Maine 1 $ 730,000 $ 730,000 $ 312,000
York, Maine 1 $ 1,365,000 $ 1,365,000 $ 417,000
Anne Arundel, Maryland 1 $ 338,000 $ 338,000 $ 272,000
Garrett, Maryland 1 $ 685,000 $ 685,000 $ 160,000
Queen Anne's, Maryland 1 $ 1,295,000 $ 1,295,000 $ 1,144,000
Talbot, Maryland 1 $ 2,400,000 $ 2,400,000 $ 1,268,000
Washington, Maryland 1 $ 1,535,000 $ 1,535,000 $ 2,359,000
Berkshire, Massachusetts 1 $ 790,000 $ 790,000 $ 507,000
Bristol, Massachusetts 1 $ 1,000,000 $ 1,000,000 $ 835,000
Dakota, Minnesota 1 $ 1,000,000 $ 1,000,000 $ 1,375,000
Yellowstone, Montana 1 $ 230,000 $ 230,000 $ 337,000
Hillsborough, New Hampshire 1 $ 920,000 $ 920,000 $ 470,000
Atlantic, New Jersey 1 $ 900,000 $ 900,000 $ 381,000
Burlington, New Jersey 1 $ 304,000 $ 304,000 $ 356,000
Hudson, New Jersey 1 $ 860,000 $ 860,000 $ 466,000
Mercer, New Jersey 1 $ 1,000,000 $ 1,000,000 $ 565,000
Union, New Jersey 1 $ 1,000,000 $ 1,000,000 $ 582,000
Columbia, New York 1 $ 710,000 $ 710,000 $ 35,000
Dutchess, New York 1 $ 1,100,000 $ 1,100,000 $ 454,000
Chatham, North Carolina 1 $ 350,000 $ 350,000 $ 222,000
Dare, North Carolina 1 $ 589,000 $ 589,000 $ 761,000
Guilford, North Carolina 1 $ 900,000 $ 900,000 $ 435,000
Transylvania, North Carolina 1 $ 1,400,000 $ 1,400,000 $ 1,174,000
Watauga, North Carolina 1 $ 1,000,000 $ 1,000,000 $ 1,106,000
Hamilton, Ohio 1 $ 885,000 $ 885,000 $ 340,000
Oklahoma, Oklahoma 1 $ 417,000 $ 417,000 $ 253,000
Lane, Oregon 1 $ 412,000 $ 412,000 $ 280,000
Multnomah, Oregon 1 $ 263,000 $ 263,000 $ 284,000
Tillamook, Oregon 1 $ 500,000 $ 500,000 $ 234,000
Bucks, Pennsylvania 1 $ 1,000,000 $ 1,000,000 $ 1,080,000
Lancaster, Pennsylvania 1 $ 2,654,000 $ 2,654,000 $ 4,183,000
Somerset, Pennsylvania 1 $ 510,000 $ 510,000 $ 353,000
Washington, Pennsylvania 1 $ 600,000 $ 600,000 $ 272,000
York, Pennsylvania 1 $ 350,000 $ 350,000 $ 78,000
Edgefield, South Carolina 1 $ 750,000 $ 750,000 $ 1,114,000
Georgetown, South Carolina 1 $ 706,000 $ 706,000 $ 351,000
Horry, South Carolina 1 $ 775,000 $ 775,000 $ 173,000
Bexar, Texas 1 $ 1,250,000 $ 1,250,000 $ 1,041,000
Franklin, Texas 1 $ 431,000 $ 431,000 $ 860,000
Galveston, Texas 1 $ 400,000 $ 400,000 $ 1,050,000
Tarrant, Texas 1 $ 1,500,000 $ 1,500,000 $ 4,339,000
Salt Lake, Utah 1 $ 2,000,000 $ 2,000,000 $ 683,000
Orange, Vermont 1 $ 280,000 $ 280,000 $ 90,000
Washington, Vermont 1 $ 800,000 $ 800,000 $ 400,000
Windham, Vermont 1 $ 800,000 $ 800,000 $ 1,003,000
Alexandria, Virginia 1 $ 446,000 $ 446,000 $ 167,000
Arlington, Virginia 1 $ 400,000 $ 400,000 $ 163,000
Loudoun, Virginia 1 $ 209,000 $ 209,000 $ 175,000
Island, Washington 1 $ 1,750,000 $ 1,750,000 $ 531,000
Pierce, Washington 1 $ 650,000 $ 650,000 $ 64,000
Thurston, Washington 1 $ 440,000 $ 440,000 $ 18,000
Brown, Wisconsin 1 $ 388,000 $ 388,000 $ 1,950,000
Washington, Wisconsin 1 $ 300,000 $ 300,000 $ 199,000

Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2010

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 731 $872,573,000 $1,193,000 $25,500,000 $648,000 $9,999,000
Home Purchase 332 $386,989,000 $1,165,000 $14,350,000 $662,000 $7,250,000
Home Improvement 0 $0 $0 $0 $0 $0

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 Provided 518 $635,136,000 $1,226,000 $25,500,000 $703,000 $9,999,000
White 515 $579,264,000 $1,124,000 $14,350,000 $594,000 $5,455,000
Asian 18 $21,622,000 $1,201,000 $1,700,000 $508,000 $1,076,000
Hispanic 7 $12,782,000 $1,826,000 $7,560,000 $447,000 $1,141,000
Not applicable 3 $3,300,000 $1,100,000 $1,800,000 $1,284,000 $2,032,000
Black or African American 2 $7,458,000 $3,729,000 $6,250,000 $3,839,000 $7,250,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0

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) 1,063 $1,259,562,000 $1,184,000 $25,500,000 $653,000 $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 787 $831,210,000 $1,056,000 $14,350,000 $636,000 $8,103,000
Application Denied By Financial Institution 158 $297,375,000 $1,882,000 $25,500,000 $775,000 $9,999,000
Application Approved But Not Accepted 61 $62,886,000 $1,030,000 $3,000,000 $541,000 $3,245,000
Application Withdrawn By Applicant 45 $51,923,000 $1,153,000 $5,275,000 $678,000 $3,996,000
File Closed For Incompleteness 12 $16,168,000 $1,347,000 $2,600,000 $629,000 $4,500,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 91 $191,753,000 $2,107,000 $25,500,000 $693,000 $9,999,000
Collateral 37 $63,362,000 $1,712,000 $9,000,000 $980,000 $4,885,000
Other 18 $23,430,000 $1,301,000 $3,000,000 $480,000 $975,000
Credit History 7 $13,280,000 $1,897,000 $6,250,000 $1,719,000 $7,250,000
Unverifiable Information 3 $2,976,000 $992,000 $2,000,000 $511,000 $785,000
Credit Application Incomplete 1 $2,000,000 $2,000,000 $2,000,000 $768,000 $768,000
Employment History 1 $574,000 $574,000 $574,000 $159,000 $159,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BNY Mellon, N.A.'s 2010 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 BNY Mellon, N.A.'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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