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- Data Updated through 2023
First Niagara Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Niagara Bank, N.A. 2010 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 | First Niagara Bank, N.A. 726 Exchange Street Suite 618 Buffalo, NY 14210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 7,959 |
| Total Mortgage Loan Application Amount | $1,246,533,000 |
| Average Mortgage Loan Application Amount | $128,666 |
| Highest Mortgage Loan Application Amount | $17,200,000 |
| Average Applicant Income | $85,666 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First Niagara Bank, N.A.. 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 First Niagara Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First Niagara Bank, N.A.'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 First Niagara Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Niagara Bank, N.A., 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 First Niagara Bank, N.A.'s mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 161,000 |
| Albany County New York | 131 | $ 25,101,000 | $ 191,000 | $ 99,000 |
| Allegany County New York | 2 | $ 283,000 | $ 141,000 | $ 139,000 |
| Allegheny County Pennsylvania | 898 | $ 146,384,000 | $ 163,000 | $ 89,000 |
| Armstrong County Pennsylvania | 5 | $ 908,000 | $ 181,000 | $ 59,000 |
| Atlantic County New Jersey | 16 | $ 3,746,000 | $ 234,000 | $ 133,000 |
| Beaver County Pennsylvania | 36 | $ 4,294,000 | $ 119,000 | $ 56,000 |
| Bergen County New Jersey | 3 | $ 672,000 | $ 224,000 | $ 62,000 |
| Berks County Pennsylvania | 59 | $ 8,023,000 | $ 135,000 | $ 76,000 |
| Bradford County Pennsylvania | 2 | $ 383,000 | $ 191,000 | $ 153,000 |
| Brooke County West Virginia | 3 | $ 122,000 | $ 40,000 | $ 31,000 |
| Broome County New York | 2 | $ 1,841,000 | $ 920,000 | $ 37,000 |
| Broward County Florida | 1 | $ 200,000 | $ 200,000 | $ 453,000 |
| Bucks County Pennsylvania | 131 | $ 28,156,000 | $ 214,000 | $ 101,000 |
| Burlington County New Jersey | 20 | $ 3,852,000 | $ 192,000 | $ 96,000 |
| Butler County Pennsylvania | 85 | $ 12,979,000 | $ 152,000 | $ 88,000 |
| Camden County New Jersey | 9 | $ 1,878,000 | $ 208,000 | $ 147,000 |
| Cape May County New Jersey | 15 | $ 3,591,000 | $ 239,000 | $ 218,000 |
| Carbon County Pennsylvania | 93 | $ 7,279,000 | $ 78,000 | $ 64,000 |
| Carroll County Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cattaraugus County New York | 22 | $ 4,883,000 | $ 221,000 | $ 118,000 |
| Cayuga County New York | 88 | $ 10,215,000 | $ 116,000 | $ 86,000 |
| Chautauqua County New York | 28 | $ 5,782,000 | $ 206,000 | $ 89,000 |
| Chemung County New York | 1 | $ 66,000 | $ 66,000 | $ 73,000 |
| Chenango County New York | 1 | $ 202,000 | $ 202,000 | $ 50,000 |
| Chester County Pennsylvania | 219 | $ 46,058,000 | $ 210,000 | $ 110,000 |
| Clarion County Pennsylvania | 5 | $ 397,000 | $ 79,000 | $ 77,000 |
| Clearfield County Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 57,000 |
| Clinton County New York | 1 | $ 232,000 | $ 232,000 | $ 132,000 |
| Collier County Florida | 3 | $ 978,000 | $ 326,000 | $ 374,000 |
| Columbia County New York | 84 | $ 15,106,000 | $ 179,000 | $ 136,000 |
| Columbia County Pennsylvania | 2 | $ 183,000 | $ 91,000 | $ 106,000 |
| Columbiana County Ohio | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Cortland County New York | 47 | $ 3,347,000 | $ 71,000 | $ 60,000 |
| Crawford County Pennsylvania | 32 | $ 3,104,000 | $ 97,000 | $ 56,000 |
| Cumberland County New Jersey | 3 | $ 122,000 | $ 40,000 | $ 67,000 |
| Cumberland County Pennsylvania | 1 | $ 117,000 | $ 117,000 | $ 161,000 |
| Dauphin County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 168,000 |
| Delaware County New York | 1 | $ 176,000 | $ 176,000 | $ 101,000 |
| Delaware County Pennsylvania | 48 | $ 9,776,000 | $ 203,000 | $ 132,000 |
| District of Columbia County District Of Columbia | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Dutchess County New York | 13 | $ 1,709,000 | $ 131,000 | $ 92,000 |
| Elk County Pennsylvania | 1 | $ 177,000 | $ 177,000 | $ 167,000 |
| Erie County New York | 1,854 | $ 289,912,000 | $ 156,000 | $ 91,000 |
| Erie County Pennsylvania | 234 | $ 33,635,000 | $ 143,000 | $ 84,000 |
| Essex County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Fayette County Pennsylvania | 74 | $ 8,380,000 | $ 113,000 | $ 71,000 |
| Forest County Pennsylvania | 3 | $ 176,000 | $ 58,000 | $ 38,000 |
| Franklin County New York | 2 | $ 306,000 | $ 153,000 | $ 24,000 |
| Fulton County New York | 28 | $ 1,522,000 | $ 54,000 | $ 58,000 |
| Genesee County New York | 75 | $ 6,799,000 | $ 90,000 | $ 62,000 |
| Gloucester County New Jersey | 13 | $ 1,866,000 | $ 143,000 | $ 71,000 |
| Greene County New York | 13 | $ 1,604,000 | $ 123,000 | $ 95,000 |
| Greene County Pennsylvania | 8 | $ 860,000 | $ 107,000 | $ 53,000 |
| Hamilton County New York | 2 | $ 254,000 | $ 127,000 | $ 117,000 |
| Hampden County Massachusetts | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Hancock County West Virginia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Herkimer County New York | 29 | $ 3,757,000 | $ 129,000 | $ 74,000 |
| Hudson County New Jersey | 3 | $ 971,000 | $ 323,000 | $ 180,000 |
| Hunterdon County New Jersey | 1 | $ 222,000 | $ 222,000 | $ 66,000 |
| Jefferson County New York | 6 | $ 3,383,000 | $ 563,000 | $ 144,000 |
| Kent County Delaware | 4 | $ 361,000 | $ 90,000 | $ 52,000 |
| Kings County New York | 2 | $ 465,000 | $ 232,000 | $ 91,000 |
| Lackawanna County Pennsylvania | 4 | $ 401,000 | $ 100,000 | $ 46,000 |
| Lake County Florida | 1 | $ 353,000 | $ 353,000 | $ 103,000 |
| Lancaster County Pennsylvania | 6 | $ 801,000 | $ 133,000 | $ 83,000 |
| Lawrence County Pennsylvania | 5 | $ 675,000 | $ 135,000 | $ 103,000 |
| Lebanon County Pennsylvania | 2 | $ 73,000 | $ 36,000 | $ 33,000 |
| Lee County Florida | 6 | $ 1,344,000 | $ 224,000 | $ 166,000 |
| Lehigh County Pennsylvania | 95 | $ 14,612,000 | $ 153,000 | $ 116,000 |
| Livingston County New York | 11 | $ 1,348,000 | $ 122,000 | $ 103,000 |
| Luzerne County Pennsylvania | 21 | $ 1,516,000 | $ 72,000 | $ 30,000 |
| Lycoming County Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 213,000 |
| Madison County New York | 17 | $ 2,011,000 | $ 118,000 | $ 79,000 |
| Mahoning County Ohio | 2 | $ 1,573,000 | $ 786,000 | $ 251,000 |
| Manatee County Florida | 1 | $ 390,000 | $ 390,000 | $ 9,999,000 |
| McKean County Pennsylvania | 2 | $ 284,000 | $ 142,000 | $ 82,000 |
| Mercer County New Jersey | 9 | $ 1,798,000 | $ 199,000 | $ 94,000 |
| Mercer County Pennsylvania | 6 | $ 1,068,000 | $ 178,000 | $ 77,000 |
| Middlesex County Massachusetts | 1 | $ 58,000 | $ 58,000 | $ 95,000 |
| Middlesex County New Jersey | 25 | $ 4,821,000 | $ 192,000 | $ 108,000 |
| Monmouth County New Jersey | 22 | $ 4,743,000 | $ 215,000 | $ 110,000 |
| Monongalia County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 185,000 |
| Monroe County New York | 611 | $ 106,321,000 | $ 174,000 | $ 93,000 |
| Monroe County Pennsylvania | 25 | $ 3,915,000 | $ 156,000 | $ 76,000 |
| Montgomery County New York | 23 | $ 1,034,000 | $ 44,000 | $ 60,000 |
| Montgomery County Pennsylvania | 462 | $ 90,288,000 | $ 195,000 | $ 112,000 |
| Morris County New Jersey | 1 | $ 876,000 | $ 876,000 | $ 861,000 |
| New Castle County Delaware | 6 | $ 1,519,000 | $ 253,000 | $ 127,000 |
| New York County New York | 2 | $ 454,000 | $ 227,000 | $ 446,000 |
| Niagara County New York | 589 | $ 66,528,000 | $ 112,000 | $ 74,000 |
| Northampton County Pennsylvania | 40 | $ 5,902,000 | $ 147,000 | $ 86,000 |
| Ocean County New Jersey | 17 | $ 2,076,000 | $ 122,000 | $ 73,000 |
| Oneida County New York | 147 | $ 19,581,000 | $ 133,000 | $ 74,000 |
| Onondaga County New York | 110 | $ 17,611,000 | $ 160,000 | $ 69,000 |
| Ontario County New York | 93 | $ 12,401,000 | $ 133,000 | $ 82,000 |
| Orange County New York | 9 | $ 459,000 | $ 51,000 | $ 56,000 |
| Orleans County New York | 69 | $ 5,513,000 | $ 79,000 | $ 63,000 |
| Orleans County Vermont | 1 | $ 374,000 | $ 374,000 | $ 181,000 |
| Osceola County Florida | 2 | $ 404,000 | $ 202,000 | $ 135,000 |
| Oswego County New York | 6 | $ 511,000 | $ 85,000 | $ 59,000 |
| Otsego County New York | 2 | $ 205,000 | $ 102,000 | $ 50,000 |
| Palm Beach County Florida | 2 | $ 750,000 | $ 375,000 | $ 460,000 |
| Passaic County New Jersey | 2 | $ 288,000 | $ 144,000 | $ 46,000 |
| Philadelphia County Pennsylvania | 92 | $ 19,228,000 | $ 209,000 | $ 102,000 |
| Pike County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Pinellas County Florida | 1 | $ 112,000 | $ 112,000 | $ 68,000 |
| Potter County Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 87,000 |
| Putnam County New York | 1 | $ 34,000 | $ 34,000 | $ 69,000 |
| Queens County New York | 1 | $ 417,000 | $ 417,000 | $ 65,000 |
| Rensselaer County New York | 67 | $ 10,076,000 | $ 150,000 | $ 87,000 |
| Rockland County New York | 8 | $ 885,000 | $ 110,000 | $ 87,000 |
| Salem County New Jersey | 1 | $ 59,000 | $ 59,000 | $ 34,000 |
| Saratoga County New York | 80 | $ 14,752,000 | $ 184,000 | $ 95,000 |
| Schenectady County New York | 42 | $ 7,884,000 | $ 187,000 | $ 93,000 |
| Schoharie County New York | 2 | $ 123,000 | $ 61,000 | $ 100,000 |
| Schuylkill County Pennsylvania | 11 | $ 1,158,000 | $ 105,000 | $ 82,000 |
| Seneca County New York | 28 | $ 2,948,000 | $ 105,000 | $ 77,000 |
| Somerset County New Jersey | 3 | $ 779,000 | $ 259,000 | $ 94,000 |
| Somerset County Pennsylvania | 10 | $ 2,017,000 | $ 201,000 | $ 210,000 |
| St. Lawrence County New York | 2 | $ 427,000 | $ 213,000 | $ 28,000 |
| St. Lucie County Florida | 1 | $ 151,000 | $ 151,000 | $ 139,000 |
| Steuben County New York | 5 | $ 638,000 | $ 127,000 | $ 74,000 |
| Suffolk County New York | 6 | $ 801,000 | $ 133,000 | $ 221,000 |
| Sullivan County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 128,000 |
| Sumter County Florida | 2 | $ 302,000 | $ 151,000 | $ 100,000 |
| Sussex County Delaware | 19 | $ 1,292,000 | $ 68,000 | $ 116,000 |
| Sussex County New Jersey | 3 | $ 193,000 | $ 64,000 | $ 71,000 |
| Tioga County New York | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Tompkins County New York | 15 | $ 8,912,000 | $ 594,000 | $ 77,000 |
| Ulster County New York | 5 | $ 280,000 | $ 56,000 | $ 94,000 |
| Union County New Jersey | 1 | $ 141,000 | $ 141,000 | $ 40,000 |
| Union County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 59,000 |
| Venango County Pennsylvania | 4 | $ 285,000 | $ 71,000 | $ 50,000 |
| Warren County New Jersey | 3 | $ 463,000 | $ 154,000 | $ 62,000 |
| Warren County New York | 12 | $ 4,131,000 | $ 344,000 | $ 221,000 |
| Warren County Pennsylvania | 62 | $ 4,750,000 | $ 76,000 | $ 64,000 |
| Washington County New York | 2 | $ 170,000 | $ 85,000 | $ 89,000 |
| Washington County Pennsylvania | 204 | $ 29,000,000 | $ 142,000 | $ 75,000 |
| Wayne County New York | 36 | $ 5,741,000 | $ 159,000 | $ 78,000 |
| Wayne County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Westchester County New York | 2 | $ 395,000 | $ 197,000 | $ 291,000 |
| Westmoreland County Pennsylvania | 249 | $ 35,881,000 | $ 144,000 | $ 80,000 |
| Wyoming County New York | 28 | $ 3,618,000 | $ 129,000 | $ 100,000 |
| Yates County New York | 7 | $ 2,300,000 | $ 328,000 | $ 110,000 |
| York County Pennsylvania | 3 | $ 304,000 | $ 101,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for First Niagara Bank, N.A. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,295 | $738,139,000 | $171,000 | $14,500,000 | $101,000 | $9,999,000 |
| Home Purchase | 3,033 | $470,433,000 | $155,000 | $17,200,000 | $80,000 | $2,732,000 |
| Home Improvement | 631 | $37,961,000 | $60,000 | $2,500,000 | $76,000 | $631,000 |
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 | 6,902 | $1,006,991,000 | $145,000 | $1,628,000 | $95,000 | $9,999,000 |
| Not Provided | 509 | $61,875,000 | $121,000 | $2,150,000 | $82,000 | $932,000 |
| Black or African American | 155 | $16,406,000 | $105,000 | $886,000 | $66,000 | $407,000 |
| Hispanic | 149 | $18,310,000 | $122,000 | $417,000 | $69,000 | $904,000 |
| Not applicable | 128 | $122,515,000 | $957,000 | $17,200,000 | $0 | $0 |
| Asian | 105 | $18,832,000 | $179,000 | $417,000 | $102,000 | $657,000 |
| American Indian or Alaskan Native | 7 | $817,000 | $116,000 | $209,000 | $86,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $787,000 | $196,000 | $315,000 | $83,000 | $161,000 |
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) | 6,502 | $1,060,170,000 | $163,000 | $17,200,000 | $99,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,348 | $171,769,000 | $127,000 | $429,000 | $57,000 | $356,000 |
| VA-guaranteed (Veterans Administration) | 100 | $13,671,000 | $136,000 | $368,000 | $59,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $923,000 | $102,000 | $150,000 | $45,000 | $77,000 |
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 | 6,354 | $1,037,505,000 | $163,000 | $17,200,000 | $93,000 | $9,999,000 |
| Application Denied By Financial Institution | 888 | $101,560,000 | $114,000 | $808,000 | $75,000 | $1,224,000 |
| Application Approved But Not Accepted | 377 | $45,581,000 | $120,000 | $520,000 | $91,000 | $631,000 |
| Application Withdrawn By Applicant | 328 | $59,711,000 | $182,000 | $886,000 | $108,000 | $1,080,000 |
| File Closed For Incompleteness | 7 | $1,582,000 | $226,000 | $417,000 | $89,000 | $228,000 |
| Preapproval Denied by Financial Institution | 5 | $594,000 | $118,000 | $180,000 | $29,000 | $60,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 350 | $53,168,000 | $151,000 | $620,000 | $88,000 | $425,000 |
| Credit History | 280 | $14,784,000 | $52,000 | $720,000 | $60,000 | $448,000 |
| Debt-To-Income Ratio | 167 | $21,443,000 | $128,000 | $417,000 | $59,000 | $1,224,000 |
| Other | 60 | $7,860,000 | $131,000 | $808,000 | $111,000 | $575,000 |
| Employment History | 12 | $1,677,000 | $139,000 | $750,000 | $62,000 | $325,000 |
| Unverifiable Information | 10 | $1,108,000 | $110,000 | $250,000 | $57,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $916,000 | $130,000 | $196,000 | $67,000 | $100,000 |
| Mortgage Insurance Denied | 6 | $1,098,000 | $183,000 | $417,000 | $150,000 | $497,000 |
| Credit Application Incomplete | 1 | $100,000 | $100,000 | $100,000 | $83,000 | $83,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Niagara Bank, N.A.'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 First Niagara Bank, N.A.'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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