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Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 205 | $ 280,006,000 | $ 1,365,882 | $ 741,073 |
| Boston-Quincy, MA | 82 | $ 83,949,000 | $ 1,023,768 | $ 616,000 |
| Los Angeles-Long Beach-Glendale, CA | 70 | $ 102,149,000 | $ 1,459,271 | $ 774,000 |
| Cambridge-Newton-Framingham, MA | 49 | $ 50,946,000 | $ 1,039,714 | $ 545,000 |
| Bridgeport-Stamford-Norwalk, CT | 39 | $ 48,628,000 | $ 1,246,871 | $ 678,000 |
| San Francisco-San Mateo-Redwood City, CA | 37 | $ 46,519,000 | $ 1,257,270 | $ 431,000 |
| Santa Ana-Anaheim-Irvine, CA | 36 | $ 50,302,000 | $ 1,397,277 | $ 635,000 |
| Nassau-Suffolk, NY | 31 | $ 77,209,000 | $ 2,490,612 | $ 1,444,000 |
| Philadelphia, PA | 31 | $ 30,576,000 | $ 986,322 | $ 592,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 19,922,000 | $ 948,666 | $ 366,000 |
| Pittsburgh, PA | 20 | $ 13,534,000 | $ 676,700 | $ 425,000 |
| Barnstable Town, MA | 19 | $ 17,706,000 | $ 931,894 | $ 495,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 26,072,000 | $ 1,448,444 | $ 814,000 |
| Naples-Marco Island, FL | 17 | $ 17,644,000 | $ 1,037,882 | $ 866,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 17 | $ 13,894,000 | $ 817,294 | $ 459,176 |
| Atlanta-Sandy Springs-Marietta, GA | 16 | $ 18,815,000 | $ 1,175,937 | $ 342,000 |
| Providence-New Bedford-Fall River, RI-MA | 15 | $ 12,442,000 | $ 829,466 | $ 603,533 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 14 | $ 16,797,000 | $ 1,199,785 | $ 470,000 |
| Peabody, MA | 13 | $ 12,011,000 | $ 923,923 | $ 529,000 |
| Denver-Aurora-Broomfield, CO | 10 | $ 8,730,000 | $ 873,000 | $ 291,000 |
| Ocean City, NJ | 10 | $ 10,009,000 | $ 1,000,900 | $ 702,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 12,219,000 | $ 1,221,900 | $ 385,000 |
| Edison-New Brunswick, NJ | 8 | $ 10,521,000 | $ 1,315,125 | $ 749,000 |
| Newark-Union, NJ-PA | 8 | $ 7,556,000 | $ 944,500 | $ 441,000 |
| Phoenix-Mesa-Glendale, AZ | 8 | $ 9,520,000 | $ 1,190,000 | $ 454,000 |
| Chicago-Joliet-Naperville, IL | 6 | $ 7,832,000 | $ 1,305,333 | $ 506,000 |
| Las Vegas-Paradise, NV | 6 | $ 4,970,000 | $ 828,333 | $ 183,000 |
| North Port-Bradenton-Sarasota, FL | 6 | $ 5,364,000 | $ 894,000 | $ 963,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 6,094,000 | $ 1,015,666 | $ 305,000 |
| Portland-South Portland-Biddeford, ME | 6 | $ 3,110,000 | $ 518,333 | $ 344,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 8,120,000 | $ 1,353,333 | $ 190,000 |
| Boulder, CO | 5 | $ 4,026,000 | $ 805,200 | $ 306,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,997,000 | $ 599,400 | $ 255,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 2,601,000 | $ 520,200 | $ 678,000 |
| Honolulu, HI | 5 | $ 8,910,000 | $ 1,782,000 | $ 642,000 |
| Salt Lake City, UT | 5 | $ 5,130,000 | $ 1,026,000 | $ 1,183,000 |
| Sebastian-Vero Beach, FL | 5 | $ 3,059,000 | $ 611,800 | $ 279,000 |
| New Haven-Milford, CT | 4 | $ 2,450,000 | $ 612,500 | $ 448,000 |
| Reno-Sparks, NV | 4 | $ 3,824,000 | $ 956,000 | $ 318,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 4,538,000 | $ 1,134,500 | $ 537,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 7,399,000 | $ 1,849,750 | $ 530,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 4,155,000 | $ 1,038,750 | $ 1,807,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 2,280,000 | $ 760,000 | $ 245,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 3,225,000 | $ 1,075,000 | $ 406,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 1,000,000 | $ 333,333 | $ 547,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 1,215,000 | $ 405,000 | $ 203,000 |
| Norwich-New London, CT | 3 | $ 1,600,000 | $ 533,333 | $ 694,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 2,820,000 | $ 940,000 | $ 455,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 4,929,000 | $ 1,643,000 | $ 595,000 |
| Raleigh-Cary, NC | 3 | $ 990,000 | $ 330,000 | $ 423,000 |
| Rockingham County-Strafford County, NH | 3 | $ 3,030,000 | $ 1,010,000 | $ 1,247,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 2,808,000 | $ 936,000 | $ 326,000 |
| Tucson, AZ | 3 | $ 1,231,000 | $ 410,333 | $ 342,000 |
| Worcester, MA | 3 | $ 1,568,000 | $ 522,666 | $ 250,000 |
| Baltimore-Towson, MD | 2 | $ 1,633,000 | $ 816,500 | $ 708,000 |
| Bellingham, WA | 2 | $ 487,000 | $ 243,500 | $ 137,000 |
| Bend, OR | 2 | $ 1,275,000 | $ 637,500 | $ 149,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 2,275,000 | $ 1,137,500 | $ 381,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,250,000 | $ 625,000 | $ 262,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 2,086,000 | $ 1,043,000 | $ 514,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 1,590,000 | $ 795,000 | $ 496,000 |
| Jacksonville, FL | 2 | $ 1,102,000 | $ 551,000 | $ 311,000 |
| Lafayette, LA | 2 | $ 454,000 | $ 227,000 | $ 128,000 |
| Muskegon-Norton Shores, MI | 2 | $ 1,623,000 | $ 811,500 | $ 461,000 |
| Port St. Lucie, FL | 2 | $ 5,700,000 | $ 2,850,000 | $ 1,051,000 |
| Rochester, NY | 2 | $ 1,710,000 | $ 855,000 | $ 667,000 |
| Salinas, CA | 2 | $ 1,410,000 | $ 705,000 | $ 653,000 |
| Santa Fe, NM | 2 | $ 832,000 | $ 416,000 | $ 208,000 |
| Springfield, MA | 2 | $ 930,000 | $ 465,000 | $ 178,000 |
| Wilmington, NC | 2 | $ 2,800,000 | $ 1,400,000 | $ 217,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 900,000 | $ 900,000 | $ 381,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 750,000 | $ 750,000 | $ 1,114,000 |
| Billings, MT | 1 | $ 230,000 | $ 230,000 | $ 337,000 |
| Boise City-Nampa, ID | 1 | $ 438,000 | $ 438,000 | $ 75,000 |
| Camden, NJ | 1 | $ 304,000 | $ 304,000 | $ 356,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 885,000 | $ 885,000 | $ 340,000 |
| Durham-Chapel Hill, NC | 1 | $ 350,000 | $ 350,000 | $ 222,000 |
| Eugene-Springfield, OR | 1 | $ 412,000 | $ 412,000 | $ 280,000 |
| Fort Worth-Arlington, TX | 1 | $ 1,500,000 | $ 1,500,000 | $ 4,339,000 |
| Green Bay, WI | 1 | $ 388,000 | $ 388,000 | $ 1,950,000 |
| Greensboro-High Point, NC | 1 | $ 900,000 | $ 900,000 | $ 435,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 1,535,000 | $ 1,535,000 | $ 2,359,000 |
| Lancaster, PA | 1 | $ 2,654,000 | $ 2,654,000 | $ 4,183,000 |
| Lexington-Fayette, KY | 1 | $ 1,100,000 | $ 1,100,000 | $ 373,000 |
| Manchester-Nashua, NH | 1 | $ 920,000 | $ 920,000 | $ 470,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,375,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 775,000 | $ 775,000 | $ 173,000 |
| Oklahoma City, OK | 1 | $ 417,000 | $ 417,000 | $ 253,000 |
| Olympia, WA | 1 | $ 440,000 | $ 440,000 | $ 18,000 |
| Pittsfield, MA | 1 | $ 790,000 | $ 790,000 | $ 507,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 263,000 | $ 263,000 | $ 284,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 1,100,000 | $ 1,100,000 | $ 454,000 |
| Prescott, AZ | 1 | $ 727,000 | $ 727,000 | $ 1,841,000 |
| Punta Gorda, FL | 1 | $ 400,000 | $ 400,000 | $ 1,033,000 |
| San Antonio-New Braunfels, TX | 1 | $ 1,250,000 | $ 1,250,000 | $ 1,041,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 476,000 | $ 476,000 | $ 785,000 |
| Savannah, GA | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,614,000 |
| Tacoma, WA | 1 | $ 650,000 | $ 650,000 | $ 64,000 |
| Trenton-Ewing, NJ | 1 | $ 1,000,000 | $ 1,000,000 | $ 565,000 |
| York-Hanover, PA | 1 | $ 350,000 | $ 350,000 | $ 78,000 |
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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