St. Pius X Church FCU Mortgage Lending & HMDA Data, 2009
In 2009, St. Pius X Church FCU of Rochester, NY reported 56 mortgage applications totaling $4.1 million, up 229% from 2008. The average application was for $73,000, and applicants reported an average income of $69,321. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (35), Buffalo-Niagara Falls, NY (2) and Bradenton-Sarasota-Venice, FL (1) (applications in parentheses).
| Mortgage Company & Address | St. Pius X Church FCU 2998 Chili Avenue Rochester, NY 14624 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 56 |
| Total Mortgage Loan Application Amount | $4,088,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $272,000 |
| Average Applicant Income | $69,321 |
| Highest Applicant Income | $135,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St. Pius X Church FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe, New York | 32 | $ 1,711,000 | $ 53,468 | $ 75,000 |
| Jefferson, New York | 4 | $ 572,000 | $ 143,000 | $ 72,000 |
| Erie, New York | 2 | $ 188,000 | $ 94,000 | $ 70,000 |
| Livingston, New York | 2 | $ 133,000 | $ 66,500 | $ 47,000 |
| Wayne, New York | 2 | $ 113,000 | $ 56,500 | $ 68,000 |
| Sarasota, Florida | 1 | $ 129,000 | $ 129,000 | $ 40,000 |
| Monmouth, New Jersey | 1 | $ 226,000 | $ 226,000 | $ 130,000 |
| Mercer, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for St. Pius X Church FCU in 2009
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 | 24 | $2,063,000 | $85,000 | $226,000 | $63,000 | $135,000 |
| Refinancing | 21 | $1,839,000 | $87,000 | $272,000 | $72,000 | $115,000 |
| Home Improvement | 11 | $186,000 | $16,000 | $30,000 | $78,000 | $125,000 |
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 | 49 | $3,490,000 | $71,000 | $272,000 | $71,000 | $135,000 |
| Not Provided | 7 | $598,000 | $85,000 | $145,000 | $59,000 | $115,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 56 | $4,088,000 | $73,000 | $272,000 | $69,000 | $135,000 |
| 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 | 45 | $3,217,000 | $71,000 | $272,000 | $72,000 | $135,000 |
| Application Withdrawn By Applicant | 8 | $647,000 | $80,000 | $156,000 | $51,000 | $87,000 |
| Application Denied By Financial Institution | 2 | $184,000 | $92,000 | $138,000 | $112,000 | $115,000 |
| Preapproval Denied by Financial Institution | 1 | $40,000 | $40,000 | $40,000 | $14,000 | $14,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 3 | $224,000 | $74,000 | $138,000 | $79,000 | $115,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. Pius X Church FCU's 2009 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 St. Pius X Church FCU'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.
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