Franklin County, MA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 3,622 mortgage applications in Franklin County, MA totaling $547.8 million, up 20% from 2011. The average application was for $151,000, and applicants reported an average income of $76,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Greenfield Savings Bank, with 669 applications, followed by Greenfield Cooperative Bank and Florence Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,622 |
| Total Mortgage Loan Application Amount | $547,760,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $814,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $2,042,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Greenfield Savings Bank 400 MAIN STREET, PO BOX 1537 GREENFIELD, MA 01302 |
* | $ 640,519,000 | 669 | $ 104,457,000 |
| Greenfield Cooperative Bank 63 FEDERAL STREET GREENFIELD, MA 01301 |
* | $ 308,350,000 | 308 | $ 31,885,000 |
| Florence Bank 85 MAIN STREET FLORENCE, MA 01062 |
* | $ 1,087,990,000 | 231 | $ 37,680,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 199 | $ 33,987,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 27,319,304,000 | 106 | $ 14,788,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 97 | $ 15,060,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 90 | $ 10,490,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 89 | $ 14,221,000 |
| Workers Federal Credit Union 815 MAIN STREET LITTLETON, MA 01460 |
* | $ 830,608,000 | 83 | $ 9,205,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ 8,810,000 | 82 | $ 13,794,000 |
| Umassfive College Federal Credit Union 200 WESTGATE CENTER DRIVE, PO BOX 1060 HADLEY, MA 01035 |
* | $ 350,415,000 | 75 | $ 2,584,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 71 | $ 10,744,000 |
| Peoplesbank 330 WHITNEY AVENUE HOLYOKE, MA 01040 |
* | $ 1,653,140,000 | 69 | $ 14,056,000 |
| Athol Credit Union 513 MAIN STREET ATHOL, MA 01331 |
* | $ 80,622,000 | 69 | $ 8,521,000 |
| Freedom Credit Union 1976 MAIN STREET SPRINGFIELD, MA 01103 |
* | $ 484,702,000 | 66 | $ 8,766,000 |
| Bankesb 36 MAIN STREET EASTHAMPTON, MA 01027 |
* | $ 939,244,000 | 65 | $ 11,376,000 |
| Franklin First Federal Credit 57 NEWTON STREET GREENFIELD, MA 01301 |
* | $ 53,149,000 | 59 | $ 8,097,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 58 | $ 9,325,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 47 | $ 7,962,000 |
| Athol Savings Bank 388 MAIN STREET ATHOL, MA 01331 |
* | $ 327,398,000 | 40 | $ 4,721,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 40 | $ 6,157,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 36 | $ 4,855,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 35 | $ 5,526,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 35 | $ 7,162,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 30 | $ 5,567,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 28 | $ 4,584,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 28 | $ 4,606,000 |
| Northampton Cooperative Bank 67 KING STREET, PO BOX 150 NORTHAMPTON, MA 01061 |
* | $ 155,134,000 | 28 | $ 4,760,000 |
| Hometown Bank 31 SUTTON AVENUE OXFORD, MA 01540 |
* | $ 301,730,000 | 26 | $ 2,591,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 3,955,635,000 | 26 | $ 4,506,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 25 | $ 4,940,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 24 | $ 5,363,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 23 | $ 4,689,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 23 | $ 4,970,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 22 | $ 3,840,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 21 | $ 3,462,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 21 | $ 2,646,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 19 | $ 3,114,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 17 | $ 2,402,000 |
| Members Mortgage Company, Inc. 10 CEDAR STREET, #11 WOBURN, MA 01801 |
* | $ 10,000,000 | 16 | $ 2,138,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 16 | $ 2,922,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 15 | $ 3,147,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ 17,789,000 | 15 | $ 2,291,000 |
| Mortgage Master, Inc. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 14 | $ 2,801,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 13 | $ 2,246,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 13 | $ 2,037,000 |
| United Bank 95 ELM STREET WEST SPRINGFIELD, CT 01089 |
* | $ 1,617,862,000 | 11 | $ 1,686,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 10 | $ 1,569,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 10 | $ 1,726,000 |
| Country Bank for Savings 75 MAIN ST WARE, MA 01082 |
* | $ 1,430,848,000 | 9 | $ 1,600,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,171,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 8 | $ 1,407,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 8 | $ 259,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 8 | $ 1,300,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 7 | $ 890,000 |
| Salem Five Mortgage Company LLC 210 ESSEX STREET SALEM, MA 01970 |
* | $ 642,980,000 | 7 | $ 1,203,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 7 | $ 1,287,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 1,150,000 |
| First Federal Svg Bank Boston 100 BRICKSTONE SQUARE ANDOVER, MA 01810 |
* | $ 74,283,000 | 6 | $ 1,143,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 6 | $ 1,104,000 |
| Sun East Federal Credit Union 4500 PENNELL ROAD ASTON, PA 19014 |
* | $ 438,000,000 | 6 | $ 1,310,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 1,145,000 |
| Priority Funding LLC 292 MAIN STREET, STE G1 NORTHBORO, MA 01532 |
* | $ 1,486,000 | 6 | $ 253,000 |
| All One Credit Union 20 ADAMS STREET LEOMINSTER, MA 01453 |
* | $ 614,461,000 | 5 | $ 290,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 345,079,000 | 5 | $ 505,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 5 | $ 814,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 5 | $ 911,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 754,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 5 | $ 873,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 4 | $ 701,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 4 | $ 934,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 4 | $ 1,079,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 4 | $ 589,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,231,076,000 | 4 | $ 647,000 |
| Bank of Canton 490 TURNPIKE STREET CANTON, MA 02021 |
* | $ 634,192,000 | 4 | $ 869,000 |
| Monson Savings Bank 146 MAIN STREET MONSON, MA 01057 |
* | $ 246,373,000 | 3 | $ 592,000 |
| Hampden Bank 19 HARRISON AVENUE SPRINGFIELD, MA 01103 |
* | $ 563,077,000 | 3 | $ 328,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 3 | $ 766,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 3 | $ 508,000 |
| Fidelity Co-Operative Bank 9 LEOMINSTER CONNECTOR LEOMINSTER, MA 01453 |
* | $ 517,519,000 | 3 | $ 382,000 |
| Sage Bank 18 HURD STREET LOWELL, MA 01852 |
* | $ 169,755,000 | 3 | $ 385,000 |
| Massmutual FCU 1295 STATE STREET SPRINGFIELD, MA 01111 |
* | $ 209,609,000 | 3 | $ 329,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 951,995,000 | 3 | $ 675,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 3 | $ 480,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 3 | $ 619,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 3 | $ 506,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 3 | $ 542,000 |
| American Interbanc Mortgage, Llc. 4 PARK PLAZA #650 IRVINE, CA 92614 |
* | $ 6,512,000 | 3 | $ 767,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 425,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 536,000 |
| Holyoke Credit Union 490 WESTFIELD ROAD HOLYOKE, MA 01040 |
* | $ 139,774,000 | 3 | $ 719,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 396,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 3 | $ 505,000 |
| Msa Mortgage, LLC 5 FREMONT STREET WINTHROP, MA 02152 |
* | $ 10,000,000 | 3 | $ 587,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 406,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 619,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 319,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 284,000 |
| Radius Financial Group Inc 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 |
* | $ 3,236,218,000 | 2 | $ 464,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 2 | $ 398,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 2 | $ 298,000 |
| Greater Springfield Credit Union 1030 WILBRAHAM RD SPRINGFIELD, MA 01109 |
* | $ 129,928,000 | 2 | $ 285,000 |
| Alden Credit Union 710 GRATTAN STREET CHICOPEE, MA 01020 |
* | $ 83,404,000 | 2 | $ 96,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Ne Moves Mortgage, LLC 52 SECOND AVENUE, 3RD FLOOR WALTHAM, MA 02451 |
* | $ 10,000,000 | 2 | $ 341,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 2 | $ 305,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 18,674,334,000 | 2 | $ 379,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 579,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 363,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 477,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 570,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 381,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 235,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Commonwealth Mortgage, LLC 600 WEST CUMMINGS PARK SUITE 2500 WOBURN, MA 01801 |
* | $ 4,391,000 | 2 | $ 338,000 |
| Westfield Bank 141 ELM ST WESTFIELD, MA 01085 |
* | $ 1,259,278,000 | 2 | $ 970,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 2 | $ 340,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 259,000 |
| Rollstone Bank & Trust PO BOX 8208 FITCHBURG, MA 01420 |
* | $ 532,942,000 | 2 | $ 182,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 414,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 330,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 348,686,000 | 2 | $ 312,000 |
| Arrha Credit Union 145 INDUSTRY AVENUE SPRINGFIELD, MA 01104 |
* | $ 112,488,000 | 2 | $ 322,000 |
| Webster First Federal Credit Union 271 GREENWOOD ST. WORCESTER, MA 01607 |
* | $ 621,189,000 | 2 | $ 256,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 2 | $ 403,000 |
| Adams Community Bank 2 CENTER STREET ADAMS, MA 01220 |
* | $ 202,323,000 | 2 | $ 135,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 669,292,000 | 2 | $ 381,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 2 | $ 586,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 199,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 178,000 |
| 1-800-East/West Mortgage Co. 171 LOCKE DRIVE SUITE 107 MARLBOROUGH, MA 01752 |
* | $ 537,133,000 | 1 | $ 200,000 |
| American Eagle FCU 417 MAIN STREET EAST HARTFORD, CT 06118 |
* | $ 1,325,908,000 | 1 | $ 80,000 |
| Mountainone Bank 93 MAIN STREET NORTH ADAMS, MA 01247 |
* | $ 349,114,000 | 1 | $ 60,000 |
| Spencer Savings Bank 176 MAIN STREET SPENCER, MA 01562 |
* | $ 375,219,000 | 1 | $ 69,000 |
| Lowell Five Cent Savings Bank 30 INTERNATIONAL PLACE TEWKSBURY, MA 01876 |
* | $ 738,351,000 | 1 | $ 162,000 |
| Chicopee Savings Bank 70 CENTER STREET CHICOPEE, MA 01013 |
* | $ 615,425,000 | 1 | $ 280,000 |
| Barre Savings Bank P.O. BOX 940 BARRE, MA 01005 |
* | $ 144,344,000 | 1 | $ 20,000 |
| Nuvo Bank & Trust Co 1500 MAIN STREET, P.O.BOX 15209 SPRINGFIELD, MA 01115 |
* | $ 87,807,000 | 1 | $ 180,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 1 | $ 140,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 387,870,000 | 1 | $ 37,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,677,184,000 | 1 | $ 202,000 |
| Familyfirst Bank 40 MAIN STREET WARE, MA 01082 |
* | $ 57,127,000 | 1 | $ 120,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 131,079,000 | 1 | $ 201,000 |
| Eastern Bank 195 MARKET ST LYNN, MA 01901 |
* | $ 7,812,916,000 | 1 | $ 175,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,176,372,000 | 1 | $ 141,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,615,145,000 | 1 | $ 25,000 |
| Rtn Federal Credit Union 600 MAIN STREET WALTHAM, MA 02452 |
* | $ 719,192,000 | 1 | $ 136,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,741,434,000 | 1 | $ 130,000 |
| Cambridge Mortgage Group 99 SOUTH STREET HINGHAM, MA 02043 |
* | $ 943,623,000 | 1 | $ 230,000 |
| Mass. Institute of Tech. Federal Credit Union 700 TECHNOLOGY SQUARE CAMBRIDGE, MA 02139 |
* | $ 320,056,000 | 1 | $ 45,000 |
| Coca-Cola Federal Credit Union ONE COCA-COLA PLAZA NW ATLANTA, GA 30313 |
* | $ 159,645,000 | 1 | $ 112,000 |
| Mackinac Savings Bank FSB 280 N CONGRESS AVE BOYNTON BEACH, FL 33426 |
* | $ 122,723,000 | 1 | $ 81,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 100,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 390,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 781,222,000 | 1 | $ 135,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 200,000 |
| Pacific Mercantile Bank 949 SOUTH COAST DRIVE 3RD FLOOR COSTA MESA, CA 92626 |
* | $ 1,023,563,000 | 1 | $ 207,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 167,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ 10,000,000 | 1 | $ 244,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 1 | $ 156,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 320,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 128,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 219,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 246,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 112,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 66,063,531,000 | 1 | $ 200,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 34,276,023,000 | 1 | $ 613,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 183,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 63,000 |
| Salem Five Cents Savings Bank 210 ESSEX ST SALEM, MA 01970 |
* | $ 2,876,630,000 | 1 | $ 50,000 |
| Jeanne D'arc Credit Union 581 MERRIMACK ST. LOWELL, MA 01854 |
* | $ 922,215,000 | 1 | $ 60,000 |
| Harvard Federal Credit Union 104 MOUNT AUBURN STREET CAMBRIDGE, MA 02138 |
* | $ 384,677,000 | 1 | $ 100,000 |
| Poli Mortgage Group, Inc. 780 DEDHAM STREET CANTON, MA 02021 |
* | $ 7,525,858,000 | 1 | $ 90,000 |
| Drew Mortgage Associates, Inc 196 BOSTON TPKE SHREWSBURY, MA 01545 |
* | $ 10,000 | 1 | $ 219,000 |
| Reliant Mortgage Company, LLC 100 CUMMINGS CENTER SUITE 303 C BEVERLY, MA 01915 |
* | $ 10,000,000 | 1 | $ 201,000 |
| Ross Mortgage Company 115 FLANDERS ROAD, SUITE 120 WESTBOROUGH, MA 01581 |
* | $ 3,572,000 | 1 | $ 95,000 |
| Shamrock Home Loans, Inc. 75 NEWMAN AVE EAST PROVIDENCE, RI 02916 |
* | $ 4,122,000 | 1 | $ 161,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Village Mortgage Company 30 TOWER LANE AVON, CT 06001 |
* | $ 5,817,000 | 1 | $ 134,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Northpoint Mortgage, Inc. 204 TURNPIKE ROAD STURBRIDGE, MA 01566 |
* | $ 8,712,000 | 1 | $ 209,000 |
The tables below break down 2012 mortgage applications in Franklin County, MA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Franklin County, MA in 2012
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 | 2,340 | $379,137,000 | $162,000 | $814,000 | $77,000 | $2,042,000 |
| Home Purchase | 861 | $133,450,000 | $154,000 | $808,000 | $71,000 | $497,000 |
| Home Improvement | 421 | $35,173,000 | $83,000 | $428,000 | $77,000 | $477,000 |
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 | 2,967 | $445,130,000 | $150,000 | $814,000 | $79,000 | $2,042,000 |
| Not Provided | 356 | $55,481,000 | $155,000 | $613,000 | $85,000 | $651,000 |
| Not applicable | 215 | $35,342,000 | $164,000 | $428,000 | $18,000 | $198,000 |
| Hispanic | 34 | $4,759,000 | $139,000 | $243,000 | $60,000 | $122,000 |
| Asian | 28 | $4,768,000 | $170,000 | $400,000 | $78,000 | $250,000 |
| Black or African American | 11 | $1,353,000 | $123,000 | $302,000 | $82,000 | $193,000 |
| American Indian or Alaskan Native | 7 | $462,000 | $66,000 | $140,000 | $76,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $465,000 | $116,000 | $170,000 | $53,000 | $66,000 |
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) | 3,109 | $460,256,000 | $148,000 | $814,000 | $80,000 | $2,042,000 |
| FHA-insured (Federal Housing Administration) | 276 | $44,443,000 | $161,000 | $310,000 | $48,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $19,839,000 | $161,000 | $281,000 | $52,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 114 | $23,222,000 | $203,000 | $405,000 | $52,000 | $551,000 |
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 | 2,157 | $314,353,000 | $145,000 | $808,000 | $84,000 | $2,042,000 |
| Application Denied By Financial Institution | 538 | $82,650,000 | $153,000 | $814,000 | $64,000 | $477,000 |
| Loan Purchased By The Institution | 378 | $63,595,000 | $168,000 | $398,000 | $39,000 | $250,000 |
| Application Withdrawn By Applicant | 289 | $46,362,000 | $160,000 | $405,000 | $79,000 | $551,000 |
| File Closed For Incompleteness | 138 | $21,927,000 | $158,000 | $382,000 | $75,000 | $259,000 |
| Application Approved But Not Accepted | 122 | $18,873,000 | $154,000 | $417,000 | $87,000 | $389,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 131 | $19,555,000 | $149,000 | $417,000 | $51,000 | $412,000 |
| Credit History | 124 | $15,311,000 | $123,000 | $390,000 | $62,000 | $345,000 |
| Collateral | 113 | $21,440,000 | $189,000 | $814,000 | $83,000 | $477,000 |
| Credit Application Incomplete | 37 | $5,553,000 | $150,000 | $417,000 | $79,000 | $217,000 |
| Other | 35 | $4,979,000 | $142,000 | $314,000 | $65,000 | $217,000 |
| Unverifiable Information | 12 | $2,536,000 | $211,000 | $400,000 | $82,000 | $355,000 |
| Employment History | 11 | $1,423,000 | $129,000 | $276,000 | $68,000 | $356,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $623,000 | $155,000 | $199,000 | $51,000 | $78,000 |
| Mortgage Insurance Denied | 1 | $220,000 | $220,000 | $220,000 | $110,000 | $110,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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