Generations Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Generations Bank 2019 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 | Generations Bank 20 East Bayard Street Seneca Falls, NY 13148 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 318 |
| Total Mortgage Loan Application Amount | $32,830,000 |
| Average Mortgage Loan Application Amount | $89,400 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $72,800 |
| Highest Applicant Income | $426,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Generations 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 Generations Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Generations 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 Generations Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Generations 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 Generations Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cayuga County New York | 51 | $ 6,365,000 | $ 124,000 | $ 85,000 |
| Seneca County New York | 40 | $ 3,750,000 | $ 93,000 | $ 67,000 |
| Ontario County New York | 32 | $ 4,200,000 | $ 131,000 | $ 79,000 |
| Orleans County New York | 28 | $ 1,790,000 | $ 63,000 | $ 52,000 |
| Yates County New York | 20 | $ 2,960,000 | $ 148,000 | $ 131,000 |
| Niagara County New York | 11 | $ 1,715,000 | $ 155,000 | $ 97,000 |
| Steuben County New York | 11 | $ 1,325,000 | $ 120,000 | $ 84,000 |
| Wayne County New York | 8 | $ 530,000 | $ 66,000 | $ 54,000 |
| Erie County New York | 7 | $ 475,000 | $ 67,000 | $ 71,000 |
| Dutchess County New York | 5 | $ 465,000 | $ 93,000 | $ 93,000 |
| Monroe County New York | 5 | $ 405,000 | $ 81,000 | $ 63,000 |
| Onondaga County New York | 5 | $ 765,000 | $ 153,000 | $ 116,000 |
| St. Clair County Alabama | 3 | $ 385,000 | $ 128,000 | $ 81,000 |
| Berks County Pennsylvania | 3 | $ 295,000 | $ 98,000 | $ 82,000 |
| Lancaster County Pennsylvania | 3 | $ 195,000 | $ 65,000 | $ 71,000 |
| Mobile County Alabama | 2 | $ 320,000 | $ 160,000 | $ 111,000 |
| Richmond County New York | 2 | $ 170,000 | $ 85,000 | $ 88,000 |
| Creek County Oklahoma | 2 | $ 170,000 | $ 85,000 | $ 77,000 |
| McCurtain County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 119,000 |
| Chester County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Meigs County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Chilton County Alabama | 1 | $ 95,000 | $ 95,000 | $ 101,000 |
| Elmore County Alabama | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Jackson County Alabama | 1 | $ 45,000 | $ 45,000 | $ 107,000 |
| Lamar County Alabama | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Montgomery County Alabama | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Sumter County Alabama | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Talladega County Alabama | 1 | $ 105,000 | $ 105,000 | $ 174,000 |
| Walker County Alabama | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Craighead County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Hot Spring County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Miller County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Ouachita County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Pulaski County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| White County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| New Castle County Delaware | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Sussex County Delaware | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Bay County Florida | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Columbia County Florida | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Hernando County Florida | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Lake County Florida | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Pasco County Florida | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Volusia County Florida | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Decatur County Georgia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Floyd County Georgia | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Tift County Georgia | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Allen County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Bossier County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Calcasieu County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Franklin County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Lafayette County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Lincoln County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Morehouse County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Red River County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Vernon County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Webster County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Clay County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Lee County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Scott County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Tate County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Chautauqua County New York | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Genesee County New York | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Hamilton County New York | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Livingston County New York | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Madison County New York | 1 | $ 345,000 | $ 345,000 | $ 347,000 |
| Oneida County New York | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Orange County New York | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Saratoga County New York | 1 | $ 35,000 | $ 35,000 | $ 400,000 |
| Schuyler County New York | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Suffolk County New York | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Ulster County New York | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Wyoming County New York | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Craven County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Comanche County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Garfield County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Lincoln County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Adams County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Allegheny County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Bucks County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Butler County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 117,000 |
| Centre County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Monroe County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Montgomery County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Washington County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Hampton County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Pickens County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Saluda County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Marion County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Maury County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Lampasas County Texas | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| Llano County Texas | 1 | $ 65,000 | $ 65,000 | $ 190,000 |
| Madison County Texas | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Orange County Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Upshur County Texas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Generations Bank in 2019
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 | 221 | $23,195,000 | $104,000 | $455,000 | $82,000 | $426,000 |
| Cash-out Refinancing | 50 | $5,580,000 | $111,000 | $285,000 | $85,000 | $216,000 |
| Refinancing | 20 | $2,800,000 | $140,000 | $275,000 | $76,000 | $170,000 |
| Other Purpose | 17 | $805,000 | $47,000 | $125,000 | $53,000 | $137,000 |
| Home Improvement | 10 | $450,000 | $45,000 | $175,000 | $68,000 | $164,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 192 | $22,450,000 | $116,000 | $355,000 | $81,000 | $347,000 |
| Not applicable | 112 | $8,710,000 | $77,000 | $235,000 | $76,000 | $400,000 |
| Not Provided | 4 | $690,000 | $172,000 | $295,000 | $133,000 | $175,000 |
| Black or African American | 4 | $170,000 | $42,000 | $65,000 | $38,000 | $48,000 |
| Hispanic | 4 | $260,000 | $65,000 | $115,000 | $30,000 | $59,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $44,000 | $44,000 |
| Asian | 1 | $455,000 | $455,000 | $455,000 | $426,000 | $426,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 301 | $30,785,000 | $102,000 | $455,000 | $81,000 | $426,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,045,000 | $120,000 | $255,000 | $54,000 | $130,000 |
| 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 | 157 | $18,535,000 | $118,000 | $455,000 | $86,000 | $426,000 |
| Loan Purchased By The Institution | 111 | $8,645,000 | $77,000 | $235,000 | $76,000 | $400,000 |
| Application Denied By Financial Institution | 28 | $2,850,000 | $101,000 | $235,000 | $56,000 | $145,000 |
| Application Withdrawn By Applicant | 12 | $1,440,000 | $120,000 | $305,000 | $81,000 | $139,000 |
| Application Approved But Not Accepted | 10 | $1,360,000 | $136,000 | $325,000 | $90,000 | $168,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 290 | $29,980,000 | $103,000 | $455,000 | $82,000 | $426,000 |
| Credit History | 11 | $825,000 | $75,000 | $175,000 | $59,000 | $145,000 |
| Debt-To-Income Ratio | 11 | $1,605,000 | $145,000 | $235,000 | $53,000 | $114,000 |
| Other | 3 | $295,000 | $98,000 | $165,000 | $76,000 | $105,000 |
| Collateral | 3 | $125,000 | $41,000 | $75,000 | $34,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Generations Bank's 2019 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 Generations 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 York, download the full spreadsheet
with aggregated HMDA statistics today.