Banks required to report Home Mortgage Disclosure Act (HMDA) … Data.pdf · 2017-03-29 · 10/30/15 Banks required to report Home Mortgage Disclosure Act (HMDA) data. A bank required

10/30/15

Banks required to report Home Mortgage Disclosure Act (HMDA) data. A bank required to report home mortgage loan data pursuant part 203 of this title shall include in its public file a copy of the HMDA Disclosure Statement provided by the Federal Financial Institutions Examination Council pertaining to the bank for each of the prior two calendar years.

2013 See pages following

2014 See pages following

DISCLOSURE SUMMARY TABLE A1W: DISPOSmON OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY D'M:LLINGS (EXCLUDES MANUFACTURED HOMES), 2014 Page2 ol 2

INSTITUTION: 0000058652 • 3 THE 'M:STCHESTER BANK

LOAN TYPE

CONVENTIONAL

FHA

VA

FSAIRHS

CONVENTIONAL

FHA

VA

FSAIRHS

HOME PURCHASE

FIRST LIEN JUNIOR LIEN

REFINANCE

FIRST LIEN JUNIOR LIEN

MEMO ITEM: SUBSET OF LOANS ORIGINATED

PREAPPROVALS RE SUL TING IN ORIGINATIONS

NA NA

NA NA

NA NA

NA NA

LOANS SOLD

INSTITUTION'S NATIONVl'IOE TOTALS

HOME IMPROVEMENT

FIRST LIEN JUNIOR LIEN NOLIEN

NA NA NA

NA NA NA

NA NA NA

NA NA NA

Report Date: 05121/2015

,

..

NY/BRONX COUNTY/0243.00

LOANS ORIGINATED 1 1312

APPS APPROVED, NOT ACCEPTED

APPS DENIED

APPS WITHDRAWN

FILES CLOSED FOR INCOMPLETENESS

NY/ROCKLAND COUNTY/0115.01



APPS DENIED

APPS WITHDRAWN


NY/ROCKLAND COUNTY/0122.02



APPS DENIED

APPS WITHDRAWN


NY/WESTCHESTER COUNTY/0002.02



APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN


06/02/2014Report Date:

DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2013

INSTITUTION: 0000058652 - 3 THE WESTCHESTER BANK

MSA/MD: 35644 - NEW YORK-WHITE PLAINS-WAYNE, NY-NJ

Page 1 of 3

SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE

CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional

Refinancings Home ImprovementLoans

Loans on DwellingsFor 5 or More

Families

NonoccupantLoans From

Columns A, B, Cand D

Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's

A B C D E F

Home Purchase Loans

Loans on 1- to 4-Family and Manufactured Home Dwellings

Loans OnManufactured Home

Dwellings FromColumns A, B, C & D

G

Number $000's


LOANS ORIGINATED 1 1615 615


APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN





APPS DENIED

APPS WITHDRAWN






Page 2 of 3





Families




A B C D E F

Home Purchase Loans




G

Number $000's

MSA/MD(TOTAL)

LOANS ORIGINATED 2 3 1 6 11032 1147 60 4655 615


APPS DENIED

APPS WITHDRAWN


INVALID GEOGRAPHIC IDENTIFIERS 2/

LOANS ORIGINATED


APPS DENIED

APPS WITHDRAWN


SECTION 2 - PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES



APPS DENIED

APPS WITHDRAWN


INVALID MSA/MD NUMBERS 2/

LOANS ORIGINATED


APPS DENIED

APPS WITHDRAWN






Page 3 of 3





Families




A B C D E F

Home Purchase Loans




G

Number $000's

AMERICAN INDIAN/ALASKA NATIVE (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

2 OR MORE MINORITY RACES (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

RACE NOT AVAILABLE (TOTAL) 6/ 22 1032 1032

MALE

FEMALE

JOINT (MALE/FEMALE) 11 500 500

Report Date: 06/02/2014

DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013

INSTITUTION: 0000058652 - 3 THE WESTCHESTER BANK MSA/MD: 35644 - NEW YORK-WHITE PLAINS-WAYNE, NY-NJ

RACE AND GENDER 5/ 18/ 19/

ApplicationsReceived 20/

LoansOriginated

Apps. Approved ButNot Accepted

ApplicationsDenied

ApplicationsWithdrawn

Files Closed ForIncompleteness


Page 1 of 2

HISPANIC OR LATINO (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

NOT HISPANIC OR LATINO (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE

FEMALE

JOINT (MALE/FEMALE)

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 1032 1032

MALE

FEMALE

JOINT (MALE/FEMALE) 11 500 500

MINORITY STATUS 8/ 18/ 19/

WHITE NON-HISPANIC (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

OTHERS, INCLUDING HISPANIC (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

INCOME OF APPLICANTS 9/

LESS THAN 50% OF MSA/MD MEDIAN

50-79% OF MSA/MD MEDIAN



120% OR MORE OF MSA/MD MEDIAN 11 500 500

INCOME NOT AVAILABLE 6/ 11 532 532

TOTAL 14/ 22 1032 1032


DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013


ETHNICITY, GENDER AND INCOME 7/ 18/ 19/


LoansOriginated


ApplicationsDenied




Page 2 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)



MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)






120% OR MORE OF MSA/MD MEDIAN


TOTAL 14/ 33 1147 1147


DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 2 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)



MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)








TOTAL 14/ 11 60 60


DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 2 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL) 11 225 225

MALE

FEMALE 11 225 225

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE 11 350 350

FEMALE

JOINT (MALE/FEMALE)


DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


FEMALE

JOINT (MALE/FEMALE)


MALE 11 350 350

FEMALE 11 225 225

JOINT (MALE/FEMALE)



MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)








TOTAL 14/ 66 4655 4655


DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 2 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)


FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)



MALE

FEMALE

JOINT (MALE/FEMALE)


MALE

FEMALE

JOINT (MALE/FEMALE)








TOTAL 14/ 11 615 615


DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013




LoansOriginated


ApplicationsDenied




Page 2 of 2


RACE 5/AMERICAN INDIAN/ALASKA NATIVE

ASIAN

BLACK OR AFRICAN AMERICAN

NATIVE HAWAIIAN/OTHER PACIFIC ISLND

WHITE

2 OR MORE MINORITY RACES

JOINT (WHITE/MINORITY RACE)

RACE NOT AVAILABLE 6/

ETHNICITY 7/HISPANIC OR LATINO

NOT HISPANIC OR LATINO

JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)

ETHNICITY NOT AVAILABLE 6/

MINORITY STATUS 8/WHITE NON-HISPANIC

OTHERS, INCLUDING HISPANIC



ASIAN



WHITE











DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2013


INCOME, RACE AND ETHNICITY


LoansOriginated


ApplicationsDenied




Page 1 of 3



ASIAN



WHITE












ASIAN



WHITE













INCOME, RACE AND ETHNICITY (CONTINUED)


LoansOriginated


ApplicationsDenied




Page 2 of 3



ASIAN



WHITE



RACE NOT AVAILABLE 6/ 11 500 500




ETHNICITY NOT AVAILABLE 6/ 11 500 500



22 1032 1032TOTAL 14/




INCOME, RACE AND ETHNICITY (CONTINUED)


LoansOriginated


ApplicationsDenied




Page 3 of 3

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY

10-19% MINORITY 22 1032 1032

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

INCOME CHARACTERISTICS 12/ 13/

LOW INCOME

MODERATE INCOME

MIDDLE INCOME

UPPER INCOME 22 1032 1032

INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/

LOW INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MODERATE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MIDDLE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

UPPER INCOME


10-19% MINORITY 22 1032 1032

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY

ALL OTHER TRACTS 21/

22 1032 1032TOTAL 14/


DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2013


TYPE OF CENSUS TRACT 10/


LoansOriginated


ApplicationsDenied




Page 1 of 1



10-19% MINORITY 11 615 615

20-49% MINORITY

50-79% MINORITY 11 300 300

80-100% MINORITY 11 232 232


LOW INCOME

MODERATE INCOME

MIDDLE INCOME 22 532 532



LOW INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MODERATE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MIDDLE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY 11 300 300

80-100% MINORITY 11 232 232

UPPER INCOME


10-19% MINORITY 11 615 615

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


33 1147 1147TOTAL 14/


DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 1



10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY 11 60 60


LOW INCOME 11 60 60

MODERATE INCOME

MIDDLE INCOME

UPPER INCOME


LOW INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY 11 60 60

MODERATE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MIDDLE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

UPPER INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


11 60 60TOTAL 14/


DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 1



10-19% MINORITY 11 225 225

20-49% MINORITY 22 885 885

50-79% MINORITY 11 1558 1558

80-100% MINORITY 22 1987 1987


LOW INCOME 11 1312 1312

MODERATE INCOME

MIDDLE INCOME 33 2583 2583



LOW INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY 11 1312 1312

MODERATE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MIDDLE INCOME


10-19% MINORITY

20-49% MINORITY 11 350 350

50-79% MINORITY 11 1558 1558

80-100% MINORITY 11 675 675

UPPER INCOME


10-19% MINORITY 11 225 225

20-49% MINORITY 11 535 535

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


66 4655 4655TOTAL 14/


DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 1



10-19% MINORITY 11 615 615

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY


LOW INCOME

MODERATE INCOME

MIDDLE INCOME



LOW INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MODERATE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

MIDDLE INCOME


10-19% MINORITY

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

UPPER INCOME


10-19% MINORITY 11 615 615

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


11 615 615TOTAL 14/


DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2013




LoansOriginated


ApplicationsDenied




Page 1 of 1

BORROWER CHARACTERISTICS


ASIAN


NATIVE HAWAIIAN/OTHER PACIFICISLND

WHITE



RACE NOT AVAILABLE 6/ 1



JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)

ETHNICITY NOT AVAILABLE 6/ 1



INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN




120% OR MORE OF MSA/MD MEDIAN 1

INCOME NOT AVAILABLE 6/

GENDER 19/MALE

FEMALE

JOINT (MALE/FEMALE) 1

GENDER NOT AVAILABLE 6/

CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY

10-19% MINORITY 1

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

INCOME CHARACTERISTICS 12/ 13/LOW INCOME

MODERATE INCOME

MIDDLE INCOME

UPPER INCOME 1


DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2013


BORROWER OR CENSUS TRACTCHARACTERISTICS

15/NO REPORTEDPRICING DATA

REPORTEDPRICING DATA 2.00 - 2.49 2.50 - 2.99 3.00 - 3.99

# # # # # #

Page 1 of 2

4.00 - 4.99

#

5 OR MORE

#

MEAN MEDIAN1.50 - 1.99

PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

BORROWER CHARACTERISTICS


ASIAN


NATIVE HAWAIIAN/OTHER PACIFICISLND

WHITE



RACE NOT AVAILABLE 6/ 500



JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)

ETHNICITY NOT AVAILABLE 6/ 500



INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN




120% OR MORE OF MSA/MD MEDIAN 500

INCOME NOT AVAILABLE 6/

GENDER 19/MALE

FEMALE

JOINT (MALE/FEMALE) 500

GENDER NOT AVAILABLE 6/

CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY

10-19% MINORITY 500

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

INCOME CHARACTERISTICS 12/ 13/LOW INCOME

MODERATE INCOME

MIDDLE INCOME

UPPER INCOME 500


DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2013


BORROWER OR CENSUS TRACTCHARACTERISTICS

15/NO REPORTEDPRICING DATA

REPORTEDPRICING DATA 2.00 - 2.49 2.50 - 2.99 3.00 - 3.99

$000's $000's $000's $000's $000's $000's

Page 2 of 2

4.00 - 4.99

$000's

5 OR MORE

$000's

MEAN 30/ MEDIAN 31/1.50 - 1.99

PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

TOTAL APPLICATIONS 28/

CONVENTIONAL 3 12

FHA

VA

FSA/RHS

LOANS ORIGINATED

CONVENTIONAL 3 12

FHA

VA

FSA/RHS

APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL

FHA

VA

FSA/RHS

APPLICATIONS DENIED

CONVENTIONAL

FHA

VA

FSA/RHS

APPLICATIONS WITHDRAWN

CONVENTIONAL

FHA

VA

FSA/RHS


CONVENTIONAL

FHA

VA

FSA/RHS


DISCLOSURE SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2013


LOAN TYPE

Page 1 of 2

FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

HOME PURCHASE REFINANCE HOME IMPROVEMENT


PREAPPROVALS RESULTING IN ORIGINATIONS

CONVENTIONAL NA NA NA NA NA

FHA NA NA NA NA NA

VA NA NA NA NA NA

FSA/RHS NA NA NA NA NA

LOANS SOLD

CONVENTIONAL

FHA

VA

FSA/RHS


DISCLOSURE SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2013


LOAN TYPE

Page 2 of 2



TOTAL APPLICATIONS 28/

CONVENTIONAL 3 12

FHA

VA

FSA/RHS

LOANS ORIGINATED

CONVENTIONAL 3 12

FHA

VA

FSA/RHS

APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL

FHA

VA

FSA/RHS

APPLICATIONS DENIED

CONVENTIONAL

FHA

VA

FSA/RHS

APPLICATIONS WITHDRAWN

CONVENTIONAL

FHA

VA

FSA/RHS


CONVENTIONAL

FHA

VA

FSA/RHS


LOANS SOLD

CONVENTIONAL

FHA

VA

FSA/RHS


DISCLOSURE SUMMARY TABLE A3: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY HOUSING, 2013


LOAN TYPE

Page 1 of 1



1- TO 4-FAMILY OWNER OCCUPIED DWELLINGS (EXCLUDES MANUFACTURED HOMES)

INCIDENCE OF PRICING

NO PRICING REPORTED 15/ 1 NA

PRICING REPORTED NA

MEAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)

NA

MEDIAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)

NA

HOEPA STATUS

HOEPA LOAN 17/ NANA NA

NOT HOEPA LOAN NANA NA

MANUFACTURED HOME OWNER OCCUPIED DWELLINGS

INCIDENCE OF PRICING

NO PRICING REPORTED 15/ NA

PRICING REPORTED NA

MEAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)

NA

MEDIAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)

NA

HOEPA STATUS

HOEPA LOAN 17/ NANA NA

NOT HOEPA LOAN NANA NA


DISCLOSURE SUMMARY TABLE B: LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2013


PRICING INFORMATION

Page 1 of 1



Documents

Banks required to report Home Mortgage Disclosure Act (HMDA) … Data.pdf · 2017-03-29 · 10/30/15 Banks required to report Home Mortgage Disclosure Act (HMDA) data. A bank required