Last report update for St Catharines: Tuesday, May 6, 2008
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St Catharines Mortgages

Ontario Mortgage Statistics, Graphs and Charts

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Yearly Volume Comparison for Mortgages from St Catharines

Year Year to Year
Comparison
** National
Contribution
2008: * 6.39% * 0.04%
2007: 17.44% 0.10%
2006: 15.12% 0.09%
2005: 23.26% 0.13%
2004: 20.35% 0.12%
2003: 9.88% 0.06%
2002: 7.56% 0.04%

Note: * These values are the percentages up to Tuesday, May 6, 2008. Estimated volume targets for the entire 2008 year are 16.86% and 0.10% respectively. ** Total national contribution of St Catharines mortgages in the past is currently 0.57% with a projected target of 0.63%.

Monthly Volume History for Mortgages from St Catharines

The 6-year bar graph below represents the individual monthly volume history for Internet applications originating from St Catharines, ON.


Monthly Volume Report for St Catharines Mortgages

Busy Months for Mortgage Inquiries within St Catharines

The bar graph below displays the volumes of mortgage applications received by CanEquity in each month for all years combined. The busiest months for mortgages from St Catharines happen to occur during our first quarter (represented by the brown bars) with 30.81% while our slowest is the third quarter (represented by the blue bars) with 21.51%.

RankMonth Percentage
of Inquiries
1: January: 13.4%
2: April: 11.1%
3: May: 10.5%
4: March: 10.5%
5: November: 9.3%
6: August: 8.1%
7: October: 7.6%
8: September: 7.6%
9: February: 7.0%
10: July: 5.8%
11: December: 5.2%
12: June: 4.1%
Busy Months Report for St Catharines Mortgages

Busy Days for Applications within St Catharines

The information below displays the busy days for mortgage applications that were received by the CanEquity web site. Each day represents a combined total of all occurrences of that day in the past 5 years. In St Catharines the busiest day, with approximately 19.77% of all submissions, is Tuesday. In comparison, Saturday's are the slowest day with only 6.98% of all inquiries.

Rank Day of the
Week
Percentage
of Inquiries
1: Tuesday: 19.8%
2: Sunday: 18.6%
3: Wednesday: 15.1%
4: Thursday: 15.1%
5: Monday: 14.5%
6: Friday: 9.9%
7: Saturday: 7.0%
Busy Days Report for St Catharines Mortgages

Peak Hours for Mortgage Applicants within St Catharines

Mortgage inquiries are received 24 hours a day via our web site. The time periods below indicates the rush hours in the day. The data is taken from all days of all years. Only 31.4% of all mortgages are received before noon, while 66.9% arrive in the afternoon.


Time Period
(24 Hour)
Percentage
of Inquiries
00:00 to 00:59: 0.6%
01:00 to 01:59: 0.6%
02:00 to 02:59: 0.6%
03:00 to 03:59: 1.7%
04:00 to 04:59: 2.3%
05:00 to 05:59: 1.2%
06:00 to 06:59: 3.5%
07:00 to 07:59: 4.7%
08:00 to 08:59: 2.9%
09:00 to 09:59: 3.5%
10:00 to 10:59: 4.7%
11:00 to 11:59: 7.0%
12:00 to 12:59: 6.4%
13:00 to 13:59: 5.8%
14:00 to 14:59: 2.9%
15:00 to 15:59: 5.2%
16:00 to 16:59: 7.0%
17:00 to 17:59: 6.4%
18:00 to 18:59: 8.1%
19:00 to 19:59: 5.8%
20:00 to 20:59: 7.0%
21:00 to 21:59: 7.0%
22:00 to 22:59: 2.9%
23:00 to 23:59: 2.3%
Peak Hours Graph for Mortgages in St Catharines

Ontario Mortgage Originations Compared to all other Provinces


Online Mortgage Origination
for the Province of
Percentage of
applications
Alberta: 21.01%
British Columbia: 11.49%
Manitoba: 2.11%
New Brunswick: 2.02%
Newfoundland and Labrador: 1.12%
Nova Scotia: 2.77%
Northwest Territories: 0.30%
Nunavut: 0.08%
Ontario 48.62%
Prince Edward Island: 0.36%
Quebec: 3.80%
Saskatchewan: 5.60%
Yukon Territories: 0.21%
St Catharines Mortgages

Current City Standing within Ontario


Location Contribution
010:  BARRIE, ON 0.924%
011:  BURLINGTON, ON 0.851%
012:  OAKVILLE, ON 0.708%
013:  OSHAWA, ON 0.648%
014:  BRANTFORD, ON 0.572%
015:  ST CATHARINES, ON 0.572%
016:  ETOBICOKE, ON 0.558%
017:  GUELPH, ON 0.552%
018:  CAMBRIDGE, ON 0.542%
019:  RICHMOND HILL, ON 0.529%
020:  NORTH YORK, ON 0.505%

Nearest Settlements


1Welland, Ontario
2Niagara On The Lake, Ontario
3Fonthill, Ontario
4Stevensville, Ontario
5Thorold, Ontario
6Niagara Falls, Ontario
7Lowbanks, Ontario
8Fenwick, Ontario
9Port Colborne, Ontario
10Wellandport, Ontario
11Fort Erie, Ontario
12Crystal Beach, Ontario
13Ridgeway, Ontario
14Caistor Centre, Ontario
15Vineland, Ontario
16Smithville, Ontario


Product Popularity for St Catharines


Mortgage Application
Form Type
  Percentage
of Inquiries
First-time Buyer: 27.9%
Qualification: 23.3%
No Money Down: 18.0%
Refinance: 11.0%
Renewal: 9.3%
Purchase: 2.9%
Low Doc: 1.7%
Commercial: 1.2%
Investment: 1.2%
Variable Rate: 1.2%
Other: 2.4%
 
Total Application Types Found: 14
 St Catharines Mortgage Product Popularity Pie Chart

Age Demographics for St Catharines Mortgage Applicants

Average age: 35
Oldest age: 59
Youngest age: 19


Incomes for St Catharines Mortgage Applicants

The following depicts the average income of people living in St Catharines who have submitted an inquiry using the pre-approval application on CanEquity's web site.

Average annual gross income for
mortgage applicants in St Catharines: $49,801.41
applicants within all of Canada: $56,347.50
Difference: ($6,546.08)
  
mortgage co-applicants in St Catharines: $34,554.44
co-applicants within all of Canada: $39,330.70
Difference: ($4,776.26)

Note: Commercial Mortgages were not included for this section, only residential mortgages were used.

Residential Status for St Catharines Mortgages

The chart and pie-graph below depicts the residential status of people living in St Catharines who have applied for a loan using CanEquity's preapproval application.

Residential Status of
Mortgage Applicant
  Percentage
of Inquiries
Rent: 53.5%
Own: 34.3%
Other: 1.2%
No Comment: 4.1%
Live with parents: 7.0%
St Catharines Residential Status Pie Chart

Marital Status for St Catharines Mortgages

The following information represents the marital status of applicants from St Catharines, Ontario using the mortgage application found at the CanEquity web site. In St Catharines, over 62% of the mortgage applicants are living with someone, while only 36% are not living with someone.

Marital Status of
Mortgage Applicant
  Percentage
of Inquiries
Married: 44.2%
Single: 28.5%
Common-law: 18.0%
Divorced: 4.1%
Separated: 4.1%
Widowed: 1.2%
St Catharines Marital Status Pie Chart