St. Pius X Church FCU Mortgage Lending & HMDA Data, 2010
In 2010, St. Pius X Church FCU of Rochester, NY reported 63 mortgage applications totaling $3.9 million, up 12% from 2009. The average application was for $62,460, and applicants reported an average income of $82,047. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Rochester, NY (54) and Albany-Schenectady-Troy, NY (2).
| 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 | 63 |
| Total Mortgage Loan Application Amount | $3,935,000 |
| Average Mortgage Loan Application Amount | $62,460 |
| Highest Mortgage Loan Application Amount | $224,000 |
| Average Applicant Income | $82,047 |
| Highest Applicant Income | $241,000 |
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(HMDA) records St. Pius X Church FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rochester, NY | 54 | $ 3,339,000 | $ 61,833 | $ 74,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 105,000 | $ 52,500 | $ 164,000 |
Mortgage Loan Application Detail Totals for St. Pius X Church FCU in 2010
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 | 33 | $2,247,000 | $68,000 | $160,000 | $82,000 | $241,000 |
| Refinancing | 19 | $1,510,000 | $79,000 | $224,000 | $81,000 | $158,000 |
| Home Improvement | 11 | $178,000 | $16,000 | $60,000 | $84,000 | $140,000 |
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 | 63 | $3,935,000 | $62,000 | $224,000 | $82,000 | $241,000 |
| 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 |
| 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) | 63 | $3,935,000 | $62,000 | $224,000 | $82,000 | $241,000 |
| 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 | 50 | $2,621,000 | $52,000 | $224,000 | $82,000 | $241,000 |
| Application Withdrawn By Applicant | 6 | $619,000 | $103,000 | $209,000 | $90,000 | $158,000 |
| Application Approved But Not Accepted | 4 | $525,000 | $131,000 | $165,000 | $74,000 | $110,000 |
| Application Denied By Financial Institution | 2 | $30,000 | $15,000 | $15,000 | $44,000 | $65,000 |
| Preapproval Denied by Financial Institution | 1 | $140,000 | $140,000 | $140,000 | $148,000 | $148,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 | 2 | $155,000 | $77,000 | $140,000 | $86,000 | $148,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $65,000 | $65,000 |
| 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 2010 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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