Canadian Mortgage Rates,
Calculators, News & Insurance
Calculators, News & Insurance
| Year | Year to Year Comparison | ** National Contribution |
|---|---|---|
| 2011: | 11.54% | 0.06% |
| 2010: | 9.44% | 0.05% |
| 2009: | 10.14% | 0.06% |
| 2008: | 12.59% | 0.07% |
| 2007: | 10.49% | 0.06% |
| 2006: | 9.09% | 0.05% |
| 2005: | 13.99% | 0.08% |
| 2004: | 12.24% | 0.07% |
| 2003: | 5.94% | 0.03% |
| 2002: | 4.54% | 0.03% |
This bar graph shows the individual monthly volume history for Internet pre-approval applications originating from St Catharines, ON.
This bar graph depicts the volumes of Internet 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 26.92% while our slowest is the fourth quarter (represented by the red bars) with 21.33%.
| Rank | Month | Percentage of Inquiries | |
|---|---|---|---|
| 1: | January: | 11.9% | |
| 2: | May: | 10.1% | |
| 3: | April: | 10.1% | |
| 4: | November: | 9.1% | |
| 5: | August: | 9.1% | |
| 6: | September: | 8.7% | |
| 7: | March: | 8.0% | |
| 8: | October: | 7.3% | |
| 9: | February: | 7.0% | |
| 10: | July: | 7.0% | |
| 11: | June: | 6.6% | |
| 12: | December: | 4.9% |
The bar graph below illustrates 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 20.28% of all applications, is Monday. In comparison, Saturday's are the slowest day with only 7.69% of all inquiries.
| Rank | Day of the Week | Percentage of Inquiries | |
|---|---|---|---|
| 1: | Monday: | 20.3% | |
| 2: | Tuesday: | 18.2% | |
| 3: | Wednesday: | 16.8% | |
| 4: | Sunday: | 14.7% | |
| 5: | Thursday: | 12.6% | |
| 6: | Friday: | 9.8% | |
| 7: | Saturday: | 7.7% |
In St Catharines, inquiries are received 24 hours a day on the CanEquity web site. The statistics shown below indicates the busy hours in the day. The data is taken from all days of all years.
| Time Period (24 Hour) | Percentage of Inquiries |
|---|---|
| 00:00 to 00:59: | 0.3% |
| 01:00 to 01:59: | 0.7% |
| 02:00 to 02:59: | 0.7% |
| 03:00 to 03:59: | 1.0% |
| 04:00 to 04:59: | 1.4% |
| 05:00 to 05:59: | 1.7% |
| 06:00 to 06:59: | 3.5% |
| 07:00 to 07:59: | 5.6% |
| 08:00 to 08:59: | 3.5% |
| 09:00 to 09:59: | 5.2% |
| 10:00 to 10:59: | 7.3% |
| 11:00 to 11:59: | 5.9% |
| 12:00 to 12:59: | 6.6% |
| 13:00 to 13:59: | 7.7% |
| 14:00 to 14:59: | 3.5% |
| 15:00 to 15:59: | 5.2% |
| 16:00 to 16:59: | 4.9% |
| 17:00 to 17:59: | 4.5% |
| 18:00 to 18:59: | 7.3% |
| 19:00 to 19:59: | 5.6% |
| 20:00 to 20:59: | 6.3% |
| 21:00 to 21:59: | 6.3% |
| 22:00 to 22:59: | 2.4% |
| 23:00 to 23:59: | 2.4% |
| Online Mortgage Origination for the Province of | Percentage of applications |
|---|---|
| Alberta: | 20.94% |
| British Columbia: | 10.57% |
| Manitoba: | 2.06% |
| New Brunswick: | 2.43% |
| Newfoundland and Labrador: | 1.25% |
| Nova Scotia: | 3.28% |
| Northwest Territories: | 0.40% |
| Nunavut: | 0.10% |
| Ontario: | 48.07% |
| Prince Edward Island: | 0.53% |
| Quebec: | 3.97% |
| Saskatchewan: | 4.94% |
| Yukon Territories: | 0.41% |
| Location | Contribution | |
|---|---|---|
| 011: | BURLINGTON, ON | 0.791% |
| 012: | GUELPH, ON | 0.681% |
| 013: | OAKVILLE, ON | 0.670% |
| 014: | CAMBRIDGE, ON | 0.642% |
| 015: | OSHAWA, ON | 0.627% |
| 016: | ST CATHARINES, ON | 0.540% |
| 017: | ETOBICOKE, ON | 0.529% |
| 018: | BRANTFORD, ON | 0.515% |
| 019: | RICHMOND HILL, ON | 0.512% |
| 020: | NORTH YORK, ON | 0.510% |
| 021: | KINGSTON, ON | 0.508% |
| 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 | |
|---|---|---|
| Qualification: | 22.4% | |
| First-time Buyer: | 21.0% | |
| No Money Down: | 17.8% | |
| Renewal: | 13.3% | |
| Refinance: | 10.8% | |
| Purchase: | 6.3% | |
| Commercial: | 2.4% | |
| Low Doc: | 1.4% | |
| Pre-approval: | 1.0% | |
| Other: | 3.3% | |
| Total Application Types Found: 16 | ||
Average age: 36
Oldest age: 82
Youngest age: 19
The amounts below are the average income of people living in St Catharines who have submitted a mortgage inquiry using the pre-approval application on CanEquity's web site.
| Average annual gross income for | |
|---|---|
| mortgage applicants in St Catharines: | $51,453.13 |
| applicants within all of Canada: | $59,498.47 |
| Difference: | ($8,045.34) |
| mortgage co-applicants in St Catharines: | $35,811.40 |
| co-applicants within all of Canada: | $42,403.13 |
| Difference: | ($6,591.73) |
The pie chart below shows 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: | 46.9% | |
| Own: | 41.3% | |
| Other: | 1.7% | |
| No Comment: | 3.1% | |
| Live with parents: | 7.0% |
The information below shows the marital status of applicants from St Catharines, Ontario using the mortgage preapproval application found on the CanEquity Mortgage web site. 63% of the mortgage applicants are either married or living common-law, while only 35% are not married or separated.
| Marital Status of Mortgage Applicant | Percentage of Inquiries | |
|---|---|---|
| Married: | 47.2% | |
| Single: | 28.7% | |
| Common-law: | 16.4% | |
| Divorced: | 3.5% | |
| Separated: | 3.1% | |
| Widowed: | 1.0% |
