| Year | Year to Year Comparison | ** National Contribution |
|---|---|---|
| 2010: | * 3.42% | * 0.02% |
| 2009: | 12.39% | 0.07% |
| 2008: | 15.39% | 0.09% |
| 2007: | 12.82% | 0.07% |
| 2006: | 11.11% | 0.06% |
| 2005: | 17.09% | 0.10% |
| 2004: | 14.96% | 0.08% |
| 2003: | 7.26% | 0.04% |
| 2002: | 5.56% | 0.03% |
The graph below illustrates the individual monthly volume history for Internet applications received from St Catharines, ON.

The graph below shows the volumes of online 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 29.06% while our slowest is the fourth quarter (represented by the red bars) with 20.94%.
| Rank | Month | Percentage of Inquiries | |
|---|---|---|---|
| 1: | January: | 13.3% | |
| 2: | May: | 9.8% | |
| 3: | November: | 9.4% | |
| 4: | April: | 9.4% | |
| 5: | September: | 9.4% | |
| 6: | August: | 8.6% | |
| 7: | March: | 8.6% | |
| 8: | February: | 7.3% | |
| 9: | July: | 6.8% | |
| 10: | October: | 6.8% | |
| 11: | June: | 6.0% | |
| 12: | December: | 4.7% |

The bar graph below compares the busy days for Internet applications that were received by CanEquity's web site. Each day is a representation of the combined 6-year total of all instances of that day. In St Catharines, the day with the most volume, having more than 19.23% of all submissions, is Monday. In comparison, Saturday's are the slowest day with only 6.41% of all inquiries.
| Rank | Day of the Week | Percentage of Inquiries | |
|---|---|---|---|
| 1: | Monday: | 19.2% | |
| 2: | Tuesday: | 18.4% | |
| 3: | Wednesday: | 17.1% | |
| 4: | Sunday: | 15.4% | |
| 5: | Thursday: | 12.8% | |
| 6: | Friday: | 10.7% | |
| 7: | Saturday: | 6.4% |

St Catharines mortgage applications are received 24 hours a day via the CanEquity web site. The time periods below represents the busy hours in the day. The data is taken from all days of all years. Only 33.8% of all mortgages are received before noon, while 64.1% arrive in the afternoon.
| Time Period (24 Hour) | Percentage of Inquiries |
|---|---|
| 00:00 to 00:59: | 0.4% |
| 01:00 to 01:59: | 0.9% |
| 02:00 to 02:59: | 0.9% |
| 03:00 to 03:59: | 1.3% |
| 04:00 to 04:59: | 1.7% |
| 05:00 to 05:59: | 1.7% |
| 06:00 to 06:59: | 3.4% |
| 07:00 to 07:59: | 4.7% |
| 08:00 to 08:59: | 2.6% |
| 09:00 to 09:59: | 4.7% |
| 10:00 to 10:59: | 7.3% |
| 11:00 to 11:59: | 6.4% |
| 12:00 to 12:59: | 6.8% |
| 13:00 to 13:59: | 5.6% |
| 14:00 to 14:59: | 3.8% |
| 15:00 to 15:59: | 5.1% |
| 16:00 to 16:59: | 5.6% |
| 17:00 to 17:59: | 5.1% |
| 18:00 to 18:59: | 7.3% |
| 19:00 to 19:59: | 5.6% |
| 20:00 to 20:59: | 6.4% |
| 21:00 to 21:59: | 7.3% |
| 22:00 to 22:59: | 2.6% |
| 23:00 to 23:59: | 3.0% |

| Online Mortgage Origination for the Province of | Percentage of applications |
|---|---|
| Alberta: | 21.14% |
| British Columbia: | 10.92% |
| Manitoba: | 2.10% |
| New Brunswick: | 2.10% |
| Newfoundland and Labrador: | 1.14% |
| Nova Scotia: | 2.89% |
| Northwest Territories: | 0.31% |
| Nunavut: | 0.09% |
| Ontario: | 48.84% |
| Prince Edward Island: | 0.43% |
| Quebec: | 4.05% |
| Saskatchewan: | 5.08% |
| Yukon Territories: | 0.25% |

| Location | Contribution | |
|---|---|---|
| 011: | BURLINGTON, ON | 0.825% |
| 012: | OAKVILLE, ON | 0.705% |
| 013: | OSHAWA, ON | 0.659% |
| 014: | CAMBRIDGE, ON | 0.606% |
| 015: | GUELPH, ON | 0.599% |
| 016: | ST CATHARINES, ON | 0.561% |
| 017: | BRANTFORD, ON | 0.556% |
| 018: | ETOBICOKE, ON | 0.547% |
| 019: | RICHMOND HILL, ON | 0.542% |
| 020: | KINGSTON, ON | 0.520% |
| 021: | NORTH YORK, ON | 0.487% |
| 1 | Ridgeville, Ontario |
| 2 | Welland, Ontario |
| 3 | Stevensville, Ontario |
| 4 | Niagara On The Lake, Ontario |
| 5 | Fonthill, Ontario |
| 6 | Thorold, Ontario |
| 7 | Niagara Falls, Ontario |
| 8 | Fenwick, Ontario |
| 9 | Port Colborne, Ontario |
| 10 | Wellandport, Ontario |
| 11 | Lowbanks, Ontario |
| 12 | Crystal Beach, Ontario |
| 13 | Fort Erie, Ontario |
| 14 | Ridgeway, Ontario |
| 15 | Caistor Centre, Ontario |
| 16 | Vineland, Ontario |
| 17 | St Anns, Ontario |
| 18 | Smithville, Ontario |
| Mortgage Application Form Type | Percentage of Inquiries | |
|---|---|---|
| First-time Buyer: | 24.4% | |
| Qualification: | 21.8% | |
| No Money Down: | 20.1% | |
| Renewal: | 12.8% | |
| Refinance: | 10.3% | |
| Purchase: | 3.4% | |
| Low Doc: | 1.7% | |
| Pre-approval: | 0.9% | |
| Commercial: | 0.9% | |
| Second Mortgage: | 0.9% | |
| Investment: | 0.9% | |
| Variable Rate: | 0.9% | |
| Other: | 1.2% | |
| Total Application Types Found: 15 | ||

Average age: 35
Oldest age: 82
Youngest age: 19
The information below represents the average income of Canadians living in St Catharines who have submitted an inquiry using CanEquity's online mortgage application.
| Average annual gross income for | |
|---|---|
| mortgage applicants in St Catharines: | $49,997.52 |
| applicants within all of Canada: | $58,448.42 |
| Difference: | ($8,450.90) |
| mortgage co-applicants in St Catharines: | $35,457.85 |
| co-applicants within all of Canada: | $41,110.46 |
| Difference: | ($5,652.61) |
The information below represents the residential status of people living in St Catharines who have submitted an inquiry using the CanEquity mortgage application.
| Residential Status of Mortgage Applicant | Percentage of Inquiries | |
|---|---|---|
| Rent: | 49.6% | |
| Own: | 38.9% | |
| Other: | 1.7% | |
| No Comment: | 3.0% | |
| Live with parents: | 6.8% |

The following pie chart represents the marital status of applicants from St Catharines, Ontario using the mortgage application found at the CanEquity web site. Over 63% of the mortgage applicants are living together with someone, while only 35% are single or separated.
| Marital Status of Mortgage Applicant | Percentage of Inquiries | |
|---|---|---|
| Married: | 47.0% | |
| Single: | 28.2% | |
| Common-law: | 16.7% | |
| Divorced: | 3.4% | |
| Separated: | 3.4% | |
| Widowed: | 1.3% |
