Generations Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Generations Bank 2020 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 | 457 |
| Total Mortgage Loan Application Amount | $46,265,000 |
| Average Mortgage Loan Application Amount | $91,600 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $77,600 |
| Highest Applicant Income | $389,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Seneca County New York | 34 | $ 3,500,000 | $ 102,000 | $ 70,000 |
| Ontario County New York | 33 | $ 4,895,000 | $ 148,000 | $ 98,000 |
| Cayuga County New York | 25 | $ 3,585,000 | $ 143,000 | $ 106,000 |
| Orleans County New York | 15 | $ 1,435,000 | $ 95,000 | $ 90,000 |
| Wayne County New York | 11 | $ 1,165,000 | $ 105,000 | $ 72,000 |
| Monroe County New York | 9 | $ 1,655,000 | $ 183,000 | $ 133,000 |
| Yates County New York | 9 | $ 1,395,000 | $ 155,000 | $ 88,000 |
| Niagara County New York | 7 | $ 925,000 | $ 132,000 | $ 77,000 |
| Onondaga County New York | 5 | $ 825,000 | $ 165,000 | $ 115,000 |
| Marion County Florida | 4 | $ 310,000 | $ 77,000 | $ 67,000 |
| Volusia County Florida | 4 | $ 260,000 | $ 65,000 | $ 51,000 |
| Dutchess County New York | 4 | $ 240,000 | $ 60,000 | $ 50,000 |
| Steuben County New York | 4 | $ 550,000 | $ 137,000 | $ 157,000 |
| Berks County Pennsylvania | 4 | $ 400,000 | $ 100,000 | $ 86,000 |
| Northampton County Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 102,000 |
| Horry County South Carolina | 4 | $ 360,000 | $ 90,000 | $ 66,000 |
| Baldwin County Alabama | 3 | $ 155,000 | $ 51,000 | $ 43,000 |
| Independence County Arkansas | 3 | $ 175,000 | $ 58,000 | $ 48,000 |
| Miller County Arkansas | 3 | $ 135,000 | $ 45,000 | $ 29,000 |
| Pulaski County Arkansas | 3 | $ 265,000 | $ 88,000 | $ 75,000 |
| White County Arkansas | 3 | $ 195,000 | $ 65,000 | $ 89,000 |
| Sussex County Delaware | 3 | $ 245,000 | $ 81,000 | $ 118,000 |
| Charlotte County Florida | 3 | $ 335,000 | $ 111,000 | $ 80,000 |
| Calcasieu County Louisiana | 3 | $ 305,000 | $ 101,000 | $ 106,000 |
| East Baton Rouge County Louisiana | 3 | $ 155,000 | $ 51,000 | $ 58,000 |
| Iberia County Louisiana | 3 | $ 165,000 | $ 55,000 | $ 48,000 |
| Natchitoches County Louisiana | 3 | $ 215,000 | $ 71,000 | $ 75,000 |
| Ouachita County Louisiana | 3 | $ 185,000 | $ 61,000 | $ 71,000 |
| Schuyler County New York | 3 | $ 475,000 | $ 158,000 | $ 176,000 |
| Robeson County North Carolina | 3 | $ 255,000 | $ 85,000 | $ 51,000 |
| Bucks County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 77,000 |
| Chester County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 75,000 |
| McMinn County Tennessee | 3 | $ 215,000 | $ 71,000 | $ 50,000 |
| Bexar County Texas | 3 | $ 245,000 | $ 81,000 | $ 51,000 |
| Bowie County Texas | 3 | $ 255,000 | $ 85,000 | $ 69,000 |
| Guadalupe County Texas | 3 | $ 295,000 | $ 98,000 | $ 87,000 |
| Cullman County Alabama | 2 | $ 70,000 | $ 35,000 | $ 16,000 |
| Lawrence County Alabama | 2 | $ 240,000 | $ 120,000 | $ 57,000 |
| Mobile County Alabama | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Morgan County Alabama | 2 | $ 180,000 | $ 90,000 | $ 53,000 |
| Tuscaloosa County Alabama | 2 | $ 190,000 | $ 95,000 | $ 80,000 |
| Washington County Alabama | 2 | $ 200,000 | $ 100,000 | $ 68,000 |
| Saline County Arkansas | 2 | $ 140,000 | $ 70,000 | $ 50,000 |
| Kent County Delaware | 2 | $ 130,000 | $ 65,000 | $ 53,000 |
| Alachua County Florida | 2 | $ 90,000 | $ 45,000 | $ 46,000 |
| Columbia County Florida | 2 | $ 260,000 | $ 130,000 | $ 82,000 |
| Hernando County Florida | 2 | $ 200,000 | $ 100,000 | $ 45,000 |
| Lake County Florida | 2 | $ 150,000 | $ 75,000 | $ 67,000 |
| Grant County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Lafayette County Louisiana | 2 | $ 140,000 | $ 70,000 | $ 53,000 |
| Livingston County Louisiana | 2 | $ 120,000 | $ 60,000 | $ 216,000 |
| Chickasaw County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 84,000 |
| Winston County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 60,000 |
| Middlesex County New Jersey | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Erie County New York | 2 | $ 60,000 | $ 30,000 | $ 39,000 |
| Suffolk County New York | 2 | $ 170,000 | $ 85,000 | $ 173,000 |
| Tompkins County New York | 2 | $ 80,000 | $ 40,000 | $ 73,000 |
| Cherokee County Oklahoma | 2 | $ 200,000 | $ 100,000 | $ 136,000 |
| Creek County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Delaware County Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 110,000 |
| Muskogee County Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Oklahoma County Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 87,000 |
| Okmulgee County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 46,000 |
| Osage County Oklahoma | 2 | $ 260,000 | $ 130,000 | $ 90,000 |
| Rogers County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 52,000 |
| Montgomery County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 96,000 |
| Oconee County South Carolina | 2 | $ 100,000 | $ 50,000 | $ 40,000 |
| Smith County Tennessee | 2 | $ 140,000 | $ 70,000 | $ 71,000 |
| Cass County Texas | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Cherokee County Texas | 2 | $ 320,000 | $ 160,000 | $ 113,000 |
| Hardin County Texas | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Moore County Texas | 2 | $ 220,000 | $ 110,000 | $ 179,000 |
| Shelby County Texas | 2 | $ 200,000 | $ 100,000 | $ 56,000 |
| Smith County Texas | 2 | $ 300,000 | $ 150,000 | $ 102,000 |
| Washington County Texas | 2 | $ 170,000 | $ 85,000 | $ 66,000 |
| Autauga County Alabama | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Bibb County Alabama | 1 | $ 215,000 | $ 215,000 | $ 99,000 |
| Chilton County Alabama | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Elmore County Alabama | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Greene County Alabama | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Marengo County Alabama | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Pickens County Alabama | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Pike County Alabama | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Shelby County Alabama | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| St. Clair County Alabama | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Talladega County Alabama | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Walker County Alabama | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Arkansas County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Calhoun County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Cleburne County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Cleveland County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 122,000 |
| Columbia County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Crittenden County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Drew County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Grant County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Hempstead County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Izard County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Jefferson County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Johnson County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Logan County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Marion County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Newton County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Perry County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Pope County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Sevier County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Stone County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Union County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Fairfield County Connecticut | 1 | $ 95,000 | $ 95,000 | $ 145,000 |
| Hartford County Connecticut | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Bradford County Florida | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Escambia County Florida | 1 | $ 65,000 | $ 65,000 | $ 185,000 |
| Gadsden County Florida | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Gilchrist County Florida | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Gulf County Florida | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Hardee County Florida | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Highlands County Florida | 1 | $ 115,000 | $ 115,000 | $ 143,000 |
| Jackson County Florida | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Levy County Florida | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Orange County Florida | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Pasco County Florida | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Putnam County Florida | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Santa Rosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| St. Johns County Florida | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Union County Florida | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Walton County Florida | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Burke County Georgia | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Grady County Georgia | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Hall County Georgia | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Haralson County Georgia | 1 | $ 115,000 | $ 115,000 | $ 189,000 |
| Houston County Georgia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Madison County Georgia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Acadia County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Beauregard County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 161,000 |
| Claiborne County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| De Soto County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Jackson County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Sabine County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Tangipahoa County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| West Baton Rouge County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 162,000 |
| West Carroll County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Hampshire County Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Clay County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| DeSoto County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| George County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Jasper County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Kemper County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Lafayette County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Lamar County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Lauderdale County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Marshall County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Neshoba County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Pike County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Pontotoc County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Rankin County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Simpson County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Smith County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 15,000 |
| Stone County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Tate County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Tippah County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Cumberland County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Morris County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Ocean County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Chaves County New Mexico | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Chautauqua County New York | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Genesee County New York | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Oneida County New York | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Orange County New York | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Rockland County New York | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Ulster County New York | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Richmond County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Sampson County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Carter County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Cimarron County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Garfield County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Haskell County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Le Flore County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 119,000 |
| McCurtain County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| McIntosh County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Payne County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Pottawatomie County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Pushmataha County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Allegheny County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Lancaster County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Westmoreland County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Chester County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Fairfield County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Williamsburg County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Henry County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Morgan County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Overton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Aransas County Texas | 1 | $ 115,000 | $ 115,000 | $ 141,000 |
| Bastrop County Texas | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Bell County Texas | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Brazoria County Texas | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Caldwell County Texas | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Callahan County Texas | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Culberson County Texas | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Ector County Texas | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Grayson County Texas | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Grimes County Texas | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Harrison County Texas | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Hays County Texas | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Henderson County Texas | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Hockley County Texas | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Medina County Texas | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Montgomery County Texas | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Navarro County Texas | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
| Orange County Texas | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Parker County Texas | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Pecos County Texas | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Potter County Texas | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Reeves County Texas | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Rusk County Texas | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| San Patricio County Texas | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Williamson County Texas | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Generations Bank in 2020
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 | 350 | $32,040,000 | $91,000 | $345,000 | $74,000 | $389,000 |
| Refinancing | 56 | $7,890,000 | $140,000 | $465,000 | $101,000 | $295,000 |
| Cash-out Refinancing | 46 | $6,090,000 | $132,000 | $395,000 | $93,000 | $245,000 |
| Other Purpose | 4 | $200,000 | $50,000 | $85,000 | $87,000 | $144,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 307 | $25,985,000 | $84,000 | $215,000 | $71,000 | $389,000 |
| White | 143 | $18,945,000 | $132,000 | $465,000 | $97,000 | $350,000 |
| Not Provided | 2 | $620,000 | $310,000 | $395,000 | $116,000 | $128,000 |
| Black or African American | 2 | $230,000 | $115,000 | $145,000 | $88,000 | $119,000 |
| Hispanic | 2 | $270,000 | $135,000 | $185,000 | $55,000 | $87,000 |
| Asian | 1 | $215,000 | $215,000 | $215,000 | $110,000 | $110,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 453 | $45,855,000 | $101,000 | $465,000 | $79,000 | $389,000 |
| FHA-insured (Federal Housing Administration) | 4 | $410,000 | $102,000 | $135,000 | $74,000 | $134,000 |
| 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 Purchased By The Institution | 307 | $25,985,000 | $84,000 | $215,000 | $71,000 | $389,000 |
| Loan Originated | 112 | $14,680,000 | $131,000 | $395,000 | $97,000 | $350,000 |
| Application Denied By Financial Institution | 19 | $3,085,000 | $162,000 | $395,000 | $86,000 | $146,000 |
| Application Withdrawn By Applicant | 10 | $1,160,000 | $116,000 | $245,000 | $118,000 | $217,000 |
| Application Approved But Not Accepted | 8 | $1,110,000 | $138,000 | $465,000 | $89,000 | $229,000 |
| File Closed For Incompleteness | 1 | $245,000 | $245,000 | $245,000 | $83,000 | $83,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 438 | $43,180,000 | $98,000 | $465,000 | $79,000 | $389,000 |
| Debt-To-Income Ratio | 8 | $1,620,000 | $202,000 | $325,000 | $101,000 | $146,000 |
| Collateral | 5 | $625,000 | $125,000 | $395,000 | $60,000 | $128,000 |
| Credit History | 3 | $425,000 | $141,000 | $185,000 | $79,000 | $123,000 |
| Other | 2 | $240,000 | $120,000 | $135,000 | $80,000 | $110,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $140,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Generations Bank's 2020 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.