St. Pius X Church FCU Mortgage Lending & HMDA Data, 2012
In 2012, St. Pius X Church FCU of Rochester, NY reported 93 mortgage applications totaling $4.8 million, up 3% from 2011. The average application was for $52,129, and applicants reported an average income of $75,924. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (76), Manchester-Nashua, NH (1) and Ocala, 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 | 93 |
| Total Mortgage Loan Application Amount | $4,848,000 |
| Average Mortgage Loan Application Amount | $52,129 |
| Highest Mortgage Loan Application Amount | $217,000 |
| Average Applicant Income | $75,924 |
| Highest Applicant Income | $258,000 |
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(HMDA) records St. Pius X Church FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 71 | $ 3,495,000 | $ 49,225 | $ 77,000 |
| Ontario, New York | 2 | $ 215,000 | $ 107,500 | $ 96,000 |
| Wayne, New York | 2 | $ 130,000 | $ 65,000 | $ 84,000 |
| Wyoming, New York | 2 | $ 82,000 | $ 41,000 | $ 41,000 |
| Marion, Florida | 1 | $ 35,000 | $ 35,000 | $ 245,000 |
| Hillsborough, New Hampshire | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Genesee, New York | 1 | $ 18,000 | $ 18,000 | $ 104,000 |
| Livingston, New York | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Oneida, New York | 1 | $ 6,000 | $ 6,000 | $ 80,000 |
| Prince Edward, Virginia | 1 | $ 140,000 | $ 140,000 | $ 102,000 |
| Mercer, West Virginia | 1 | $ 21,000 | $ 21,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for St. Pius X Church FCU in 2012
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 | 41 | $2,798,000 | $68,000 | $217,000 | $73,000 | $245,000 |
| Refinancing | 28 | $1,587,000 | $56,000 | $163,000 | $75,000 | $258,000 |
| Home Improvement | 24 | $463,000 | $19,000 | $66,000 | $82,000 | $166,000 |
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 | 57 | $2,942,000 | $51,000 | $183,000 | $75,000 | $258,000 |
| Not Provided | 28 | $1,660,000 | $59,000 | $217,000 | $78,000 | $207,000 |
| Black or African American | 4 | $73,000 | $18,000 | $35,000 | $47,000 | $83,000 |
| Hispanic | 4 | $173,000 | $43,000 | $106,000 | $105,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 91 | $4,660,000 | $51,000 | $217,000 | $75,000 | $258,000 |
| FHA-insured (Federal Housing Administration) | 2 | $188,000 | $94,000 | $182,000 | $88,000 | $96,000 |
| 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 | 75 | $3,758,000 | $50,000 | $217,000 | $80,000 | $258,000 |
| Application Withdrawn By Applicant | 13 | $933,000 | $71,000 | $183,000 | $56,000 | $115,000 |
| Application Denied By Financial Institution | 5 | $157,000 | $31,000 | $57,000 | $55,000 | $102,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4 | $127,000 | $31,000 | $57,000 | $67,000 | $102,000 |
| Credit History | 1 | $30,000 | $30,000 | $30,000 | $11,000 | $11,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. Pius X Church FCU's 2012 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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