St. Pius X Church FCU Mortgage Lending & HMDA Data, 2017
In 2017, St. Pius X Church FCU of Rochester, NY reported 38 mortgage applications totaling $2.7 million, down 36% from 2016. The average application was for $70,684, and applicants reported an average income of $107,894. 87% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Rochester, NY (36) and New York-Jersey City-White Plains, NY-NJ (1).
| 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 | 38 |
| Total Mortgage Loan Application Amount | $2,686,000 |
| Average Mortgage Loan Application Amount | $70,684 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $107,894 |
| Highest Applicant Income | $617,000 |
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(HMDA) records St. Pius X Church FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 2,196,000 | $ 68,625 | $ 111,000 |
| Livingston, New York | 2 | $ 62,000 | $ 31,000 | $ 61,000 |
| Genesee, New York | 1 | $ 112,000 | $ 112,000 | $ 61,000 |
| Ontario, New York | 1 | $ 68,000 | $ 68,000 | $ 89,000 |
| Orleans, New York | 1 | $ 23,000 | $ 23,000 | $ 114,000 |
| Westchester, New York | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for St. Pius X Church FCU in 2017
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 |
|---|---|---|---|---|---|---|
| Refinancing | 17 | $1,254,000 | $73,000 | $225,000 | $94,000 | $178,000 |
| Home Purchase | 12 | $1,214,000 | $101,000 | $187,000 | $129,000 | $617,000 |
| Home Improvement | 9 | $218,000 | $24,000 | $40,000 | $106,000 | $187,000 |
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 | 33 | $2,365,000 | $71,000 | $225,000 | $114,000 | $617,000 |
| Black or African American | 4 | $196,000 | $49,000 | $68,000 | $63,000 | $102,000 |
| Not Provided | 1 | $125,000 | $125,000 | $125,000 | $110,000 | $110,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 38 | $2,686,000 | $70,000 | $225,000 | $108,000 | $617,000 |
| 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 | 33 | $2,292,000 | $69,000 | $225,000 | $115,000 | $617,000 |
| Application Denied By Financial Institution | 3 | $201,000 | $67,000 | $112,000 | $64,000 | $77,000 |
| Application Withdrawn By Applicant | 1 | $125,000 | $125,000 | $125,000 | $110,000 | $110,000 |
| File Closed For Incompleteness | 1 | $68,000 | $68,000 | $68,000 | $20,000 | $20,000 |
| Application Approved But Not Accepted | 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 | 2 | $137,000 | $68,000 | $112,000 | $58,000 | $61,000 |
| Credit History | 1 | $64,000 | $64,000 | $64,000 | $77,000 | $77,000 |
| 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 2017 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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