Generations Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Generations Bank 2021 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 | 249 |
| Total Mortgage Loan Application Amount | $28,065,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $75,400 |
| Highest Applicant Income | $567,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 28 | $ 3,400,000 | $ 121,000 | $ 64,000 |
| Cayuga County New York | 26 | $ 3,220,000 | $ 123,000 | $ 72,000 |
| Ontario County New York | 24 | $ 4,150,000 | $ 172,000 | $ 138,000 |
| Orleans County New York | 15 | $ 1,275,000 | $ 85,000 | $ 51,000 |
| Niagara County New York | 9 | $ 1,415,000 | $ 157,000 | $ 97,000 |
| Monroe County New York | 8 | $ 1,270,000 | $ 158,000 | $ 86,000 |
| Bucks County Pennsylvania | 7 | $ 725,000 | $ 103,000 | $ 91,000 |
| Erie County New York | 5 | $ 235,000 | $ 47,000 | $ 63,000 |
| Steuben County New York | 5 | $ 555,000 | $ 111,000 | $ 90,000 |
| Wayne County New York | 5 | $ 825,000 | $ 165,000 | $ 142,000 |
| Onondaga County New York | 4 | $ 470,000 | $ 117,000 | $ 91,000 |
| Saratoga County New York | 3 | $ 175,000 | $ 58,000 | $ 69,000 |
| Suffolk County New York | 3 | $ 245,000 | $ 81,000 | $ 59,000 |
| Yates County New York | 3 | $ 505,000 | $ 168,000 | $ 145,000 |
| Berks County Pennsylvania | 3 | $ 255,000 | $ 85,000 | $ 58,000 |
| Montgomery County Pennsylvania | 3 | $ 185,000 | $ 61,000 | $ 49,000 |
| Gilchrist County Florida | 2 | $ 280,000 | $ 140,000 | $ 73,000 |
| Levy County Florida | 2 | $ 190,000 | $ 95,000 | $ 96,000 |
| East Feliciana County Louisiana | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| St. Landry County Louisiana | 2 | $ 130,000 | $ 65,000 | $ 84,000 |
| Middlesex County New Jersey | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| Cleveland County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 56,000 |
| Muskogee County Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 40,000 |
| Pottawatomie County Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 60,000 |
| Allegheny County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 66,000 |
| Chester County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 67,000 |
| Lancaster County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 65,000 |
| Northampton County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Blount County Alabama | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Cleburne County Alabama | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Coffee County Alabama | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Escambia County Alabama | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Jefferson County Alabama | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Mobile County Alabama | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Shelby County Alabama | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| St. Clair County Alabama | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Talladega County Alabama | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Little River County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Nevada County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Pulaski County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Saline County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Sebastian County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Litchfield County Connecticut | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Middlesex County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Clay County Florida | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Columbia County Florida | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| DeSoto County Florida | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Holmes County Florida | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| Manatee County Florida | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Marion County Florida | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Pasco County Florida | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Putnam County Florida | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Pickens County Georgia | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Allen County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Lafayette County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Natchitoches County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Ouachita County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| St. Tammany County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Tangipahoa County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Hampshire County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Clarke County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Lowndes County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Tate County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 104,000 |
| Tippah County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Burlington County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Cumberland County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Monmouth County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Ocean County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Valencia County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Cattaraugus County New York | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Chemung County New York | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Dutchess County New York | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Fulton County New York | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Livingston County New York | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Oneida County New York | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Orange County New York | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Rockland County New York | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Schuyler County New York | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Tompkins County New York | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Wyoming County New York | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Carteret County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Lenoir County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Cimarron County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Comanche County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Creek County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Grady County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Le Flore County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Lincoln County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Stephens County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Dauphin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Lebanon County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Aiken County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Berkeley County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Pickens County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| McNairy County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Polk County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Atascosa County Texas | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Fort Bend County Texas | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Hidalgo County Texas | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Madison County Texas | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Orange County Texas | 1 | $ 155,000 | $ 155,000 | $ 140,000 |
| San Jacinto County Texas | 1 | $ 205,000 | $ 205,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Generations Bank in 2021
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 | 175 | $18,295,000 | $104,000 | $505,000 | $77,000 | $567,000 |
| Cash-out Refinancing | 36 | $5,370,000 | $149,000 | $345,000 | $102,000 | $383,000 |
| Refinancing | 31 | $3,935,000 | $126,000 | $265,000 | $80,000 | $156,000 |
| Home Improvement | 4 | $160,000 | $40,000 | $75,000 | $51,000 | $74,000 |
| Other Purpose | 3 | $305,000 | $101,000 | $205,000 | $67,000 | $94,000 |
| 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 | 133 | $11,715,000 | $88,000 | $215,000 | $68,000 | $250,000 |
| White | 110 | $15,150,000 | $137,000 | $505,000 | $91,000 | $567,000 |
| Hispanic | 5 | $975,000 | $195,000 | $315,000 | $152,000 | $340,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $134,000 | $134,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 249 | $28,065,000 | $112,000 | $505,000 | $80,000 | $567,000 |
| 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 Purchased By The Institution | 133 | $11,715,000 | $88,000 | $215,000 | $68,000 | $250,000 |
| Loan Originated | 89 | $12,225,000 | $137,000 | $345,000 | $90,000 | $383,000 |
| Application Denied By Financial Institution | 11 | $1,725,000 | $156,000 | $325,000 | $90,000 | $169,000 |
| Application Withdrawn By Applicant | 9 | $815,000 | $90,000 | $175,000 | $69,000 | $112,000 |
| Application Approved But Not Accepted | 7 | $1,585,000 | $226,000 | $505,000 | $184,000 | $567,000 |
| 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 | 238 | $26,340,000 | $110,000 | $505,000 | $80,000 | $567,000 |
| Credit History | 5 | $675,000 | $135,000 | $325,000 | $100,000 | $169,000 |
| Debt-To-Income Ratio | 4 | $830,000 | $207,000 | $245,000 | $89,000 | $134,000 |
| Other | 2 | $220,000 | $110,000 | $145,000 | $70,000 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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.