Franklin County, MA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,794 mortgage applications in Franklin County, MA totaling $360.3 million, down 30% from 2022. The average application was for $200,000, and applicants reported an average income of $123,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Greenfield Savings Bank, with 265 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 | 1,794 |
| Total Mortgage Loan Application Amount | $360,310,000 |
| Average Mortgage Loan Application Amount | $200,000 |
| Highest Mortgage Loan Application Amount | $3,705,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $8,408,000 |
* 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 |
* | $ 1,078,877,000 | 265 | $ 58,455,000 |
| Greenfield Cooperative Bank 63 FEDERAL STREET GREENFIELD, MA 01301 |
* | $ 765,250,000 | 140 | $ 25,530,000 |
| Florence Bank 85 MAIN STREET FLORENCE, MA 01062 |
* | $ 1,864,517,000 | 91 | $ 18,105,000 |
| Umassfive College Federal Credit Union 200 WESTGATE CENTER DRIVE, PO BOX 1060 HADLEY, MA 01035 |
* | $ 647,287,000 | 78 | $ 6,740,000 |
| Freedom Credit Union 1976 MAIN STREET SPRINGFIELD, MA 01103 |
* | $ 699,367,000 | 61 | $ 5,685,000 |
| Workers Federal Credit Union 815 MAIN STREET LITTLETON, MA 01460 |
* | $ 2,655,284,000 | 55 | $ 5,845,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ -1,000 | 45 | $ 14,615,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 44 | $ 6,840,000 |
| Franklin First Credit Union 57 NEWTON ST GREENFIELD, MA 01301 |
* | $ 87,570,000 | 43 | $ 3,445,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 41 | $ 4,625,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 32 | $ 8,800,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 31 | $ 2,295,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 30 | $ 7,700,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 30 | $ 5,000,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 27 | $ 5,665,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 26 | $ 6,040,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 24 | $ 6,640,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 24 | $ 6,110,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 23 | $ 2,675,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 5,385,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 20 | $ 5,150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 17 | $ 3,885,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 15 | $ 3,185,000 |
| Peoplesbank 330 WHITNEY AVENUE HOLYOKE, MA 01040 |
* | $ 3,668,204,000 | 15 | $ 3,725,000 |
| Bankesb 36 MAIN STREET EASTHAMPTON, MA 01027 |
* | $ 1,738,869,000 | 15 | $ 3,385,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 14 | $ 3,670,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 11,281,243,000 | 14 | $ 2,600,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 4,060,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 14 | $ 3,190,000 |
| Athol Savings Bank 388 MAIN STREET ATHOL, MA 01331 |
* | $ 582,843,000 | 14 | $ 1,330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 14 | $ 3,560,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 13 | $ 2,735,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 12 | $ 2,950,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 3,120,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 2,920,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ -1,000 | 12 | $ 3,560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 10 | $ 2,090,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 10 | $ 2,740,000 |
| Athol Credit Union 513 MAIN STREET ATHOL, MA 01331 |
* | $ 84,943,000 | 10 | $ 2,270,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 10 | $ 2,380,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 8 | $ 430,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 658,233,000 | 8 | $ 1,440,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 11,656,860,000 | 8 | $ 4,360,000 |
| Hometown Bank 31 SUTTON AVENUE OXFORD, MA 01540 |
* | $ 1,350,307,000 | 8 | $ 1,600,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 8 | $ 2,520,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 8 | $ 1,570,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 7 | $ 1,735,000 |
| Radius Financial Group Inc 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 |
* | $ -1,000 | 7 | $ 1,275,000 |
| Massmutual FCU 1295 STATE STREET SPRINGFIELD, MA 01111 |
* | $ 366,328,000 | 7 | $ 705,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 1,190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 6 | $ 1,850,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 6 | $ 2,920,000 |
| Salem Five Mortgage Company LLC 210 ESSEX STREET SALEM, MA 01970 |
* | $ -1,000 | 6 | $ 1,280,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 3,907,360,000 | 5 | $ 1,545,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 1,355,000 |
| All One Credit Union 20 ADAMS STREET LEOMINSTER, MA 01453 |
* | $ 884,161,000 | 5 | $ 955,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 1,355,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ -1,000 | 5 | $ 1,435,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 4 | $ 840,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 740,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 4 | $ 990,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 1,747,013,000 | 4 | $ 970,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 4 | $ 1,300,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 4 | $ 900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 720,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 5,172,623,000 | 4 | $ 400,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 4 | $ 1,340,000 |
| Adams Community Bank 2 CENTER STREET ADAMS, MA 01220 |
* | $ 931,600,000 | 3 | $ 805,000 |
| Clinton Savings Bank 200 CHURCH STREET CLINTON, MA 01510 |
* | $ 693,626,000 | 3 | $ 1,685,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 3 | $ 495,000 |
| Keystone Funding, Inc 519 S RED HAVEN LN DOVER, DE 19901 |
* | $ -1,000 | 3 | $ 825,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 3 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 685,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 605,000 |
| Eastern Bank 125 HIGH ST BOSTON, MA 02110 |
* | $ 22,629,483,000 | 3 | $ 465,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 1,906,886,000 | 3 | $ 385,000 |
| Avidia Bank 42 MAIN STREET HUDSON, MA 01749 |
* | $ 2,485,908,000 | 3 | $ 545,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 3 | $ 125,000 |
| Westfield Bank 141 ELM ST WESTFIELD, MA 01085 |
* | $ 2,550,802,000 | 3 | $ 925,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 430,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 2 | $ 250,000 |
| Holyoke Credit Union 490 WESTFIELD ROAD HOLYOKE, MA 01040 |
* | $ 254,408,000 | 2 | $ 90,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 5,662,457,000 | 2 | $ 390,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 510,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 7,377,141,000 | 2 | $ 410,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,952,542,000 | 2 | $ 520,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,551,541,000 | 2 | $ 590,000 |
| Country Bank for Savings 75 MAIN ST WARE, MA 01082 |
* | $ 1,659,376,000 | 2 | $ 180,000 |
| Enterprise Bank and Trust Company 222 MERRIMACK STREET LOWELL, MA 01852 |
* | $ 4,438,333,000 | 2 | $ 610,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 600,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 745,082,000 | 2 | $ 490,000 |
| William Raveis Mortgage, LLC 7 TRAP FALLS ROAD SHELTON, CT 06484 |
* | $ -1,000 | 2 | $ 500,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ -1,000 | 2 | $ 390,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 340,000 |
| Ic Federal Credit Union 300 BEMIS ROAD FITCHBURG, MA 01420 |
* | $ 691,721,000 | 2 | $ 410,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 2 | $ 90,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 4,855,114,000 | 2 | $ 210,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 2 | $ 300,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 470,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 530,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 660,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 540,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 530,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 2 | $ 420,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 2 | $ 670,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 340,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 2 | $ 630,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 435,000 |
| Southbridge Credit Union 155 MAIN STREET SOUTHBRIDGE, MA 01550 |
* | $ 210,071,000 | 1 | $ 685,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 305,000 |
| Province Mortgage Associates, Inc. 50 OFFICE PARKWAY EAST PROVIDENCE, RI 02914 |
* | $ -1,000 | 1 | $ 225,000 |
| Princeton Mortgage Corporation 2482 PENNINGTON ROAD SUITE 1 EWING, NJ 08628 |
* | $ -1,000 | 1 | $ 205,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,739,271,000 | 1 | $ 125,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 205,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,820,893,000 | 1 | $ 25,000 |
| Luso Federal Credit Union 599 EAST ST LUDLOW, MA 01056 |
* | $ 248,629,000 | 1 | $ 75,000 |
| Monson Savings Bank 146 MAIN STREET MONSON, MA 01057 |
* | $ 631,830,000 | 1 | $ 145,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 65,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 335,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,517,837,000 | 1 | $ 525,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 2,703,475,000 | 1 | $ 125,000 |
| Constructive Loans LLC 1801 S MEYERS RD OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 1 | $ 865,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 3,906,943,000 | 1 | $ 255,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 365,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 145,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 165,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 555,000 |
| Alden Credit Union 710 GRATTAN STREET CHICOPEE, MA 01020 |
* | $ 195,455,000 | 1 | $ 275,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 525,000 |
| Shamrock Home Loans, Inc. 75 NEWMAN AVE EAST PROVIDENCE, RI 02916 |
* | $ -1,000 | 1 | $ 255,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 215,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ -1,000 | 1 | $ 335,000 |
| Coastal1 Credit Union 1200 CENTRAL AVENUE PAWTUCKET, RI 02861 |
* | $ 3,133,087,000 | 1 | $ 5,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 135,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 762,143,000 | 1 | $ 85,000 |
| Members Plus Credit Union 29 HIGH STREET MEDFORD, MA 02155 |
* | $ 338,217,000 | 1 | $ 195,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 265,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 265,000 |
| Northern Home Loans, LLC WOBURN, MA 01801 |
* | $ -1,000 | 1 | $ 185,000 |
| Drew Mortgage Associates, Inc 196 BOSTON TPKE SHREWSBURY, MA 01545 |
* | $ -1,000 | 1 | $ 285,000 |
| Westerly Community Credit Union 4979 TOWER HILL RD WAKEFIELD, RI 02879 |
* | $ 452,758,000 | 1 | $ 105,000 |
| Fidelity Co-Operative Bank 9 LEOMINSTER CONNECTOR LEOMINSTER, MA 01453 |
* | $ 1,392,664,000 | 1 | $ 75,000 |
| St Mary's Credit Union PO BOX 729 MARLBOROUGH, MA 01752 |
* | $ 984,991,000 | 1 | $ 265,000 |
| Harborone Bank 770 OAK STREET BROCKTON, MA 02301 |
* | $ 5,362,221,000 | 1 | $ 55,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 365,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 275,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 1 | $ 355,000 |
| Plus Relocation Mortgage, LLC 1100 VIRGINIA DRIVE, SUITE 125 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 355,000 |
| Harvard Federal Credit Union 104 MOUNT AUBURN STREET CAMBRIDGE, MA 02138 |
* | $ 1,145,537,000 | 1 | $ 45,000 |
| Millbury National Bank 18 MAIN STREET MILLBURY, MA 01527 |
* | $ 114,230,000 | 1 | $ 95,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 185,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 389,402,000 | 1 | $ 455,000 |
| Webster First Federal Credit Union 271 GREENWOOD ST. WORCESTER, MA 01607 |
* | $ 1,350,826,000 | 1 | $ 35,000 |
| Align Credit Union 40 MARKET STREET, PO BOX 7008 LOWELL, MA 01851 |
* | $ 704,222,000 | 1 | $ 105,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 185,000 |
| Prysma Lending Group, LLC 18 PADANARAM RD DANBURY, CT 06811 |
* | $ -1,000 | 1 | $ 175,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 225,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 185,000 |
| Direct Federal Credit Union 50 CABOT STREET NEEDHAM, MA 02494 |
* | $ 835,089,000 | 1 | $ 355,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 155,000 |
| Amerant Mortgage LLC 226 N KENTUCKY AVE LAKELAND, FL, FL 33801 |
* | $ -1,000 | 1 | $ 225,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 245,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 4,464,686,000 | 1 | $ 895,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 285,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 305,000 |
| Polish National Credit Union 46 MAIN STREET CHICOPEE, MA 01020 |
* | $ 774,161,000 | 1 | $ 195,000 |
| Pentucket Bank 1 MERRIMACK STREET HAVERHILL, MA 01830 |
* | $ 945,137,000 | 1 | $ 325,000 |
| Greater Springfield Credit Union 1030 WILBRAHAM RD SPRINGFIELD, MA 01109 |
* | $ 247,239,000 | 1 | $ 65,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 792,493,000 | 1 | $ 115,000 |
| Millbury Federal Credit Union 50 MAIN STREET MILLBURY, MA 01527 |
* | $ 466,763,000 | 1 | $ 385,000 |
| Northpoint Mortgage, Inc. 204 TURNPIKE ROAD STURBRIDGE, MA 01566 |
* | $ -1,000 | 1 | $ 325,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| Flexpoint, Inc. 27433 TOURNEY ROAD, SUITE 150 COSTA MESA, CA 92626 |
* | $ -1,000 | 1 | $ 175,000 |
| Jeanne D'arc Credit Union 581 MERRIMACK ST. LOWELL, MA 01854 |
* | $ 2,051,657,000 | 1 | $ 175,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 905,000 |
| Mortgage Equity Partners LLC 220 BROADWAY SUITE 205 LYNNFIELD, MA 01940 |
* | $ -1,000 | 1 | $ 295,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 285,000 |
| Lighthouse Federal Credit Union 100 BORTHWICK AVE PORTSMOUTH, NH 03801 |
* | $ 1,893,645,000 | 1 | $ 75,000 |
The tables below break down 2023 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 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 833 | $234,525,000 | $281,000 | $3,705,000 | $148,000 | $8,408,000 |
| Home Improvement | 336 | $27,010,000 | $80,000 | $465,000 | $114,000 | $2,672,000 |
| Cash-out Refinancing | 242 | $45,260,000 | $187,000 | $565,000 | $99,000 | $2,200,000 |
| Other Purpose | 241 | $22,095,000 | $91,000 | $595,000 | $95,000 | $322,000 |
| Refinancing | 141 | $31,275,000 | $221,000 | $3,125,000 | $103,000 | $370,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
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 | 1,334 | $245,840,000 | $184,000 | $925,000 | $129,000 | $8,408,000 |
| Not Provided | 200 | $41,100,000 | $205,000 | $1,805,000 | $107,000 | $735,000 |
| Not applicable | 135 | $50,685,000 | $375,000 | $3,705,000 | $85,000 | $123,000 |
| Hispanic | 69 | $11,865,000 | $171,000 | $385,000 | $89,000 | $206,000 |
| Black or African American | 24 | $4,640,000 | $193,000 | $405,000 | $84,000 | $216,000 |
| Asian | 17 | $3,225,000 | $189,000 | $555,000 | $101,000 | $518,000 |
| American Indian or Alaskan Native | 9 | $1,365,000 | $151,000 | $325,000 | $80,000 | $234,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,494 | $280,760,000 | $187,000 | $3,705,000 | $131,000 | $8,408,000 |
| FHA-insured (Federal Housing Administration) | 212 | $54,630,000 | $257,000 | $485,000 | $80,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 84 | $24,170,000 | $287,000 | $545,000 | $82,000 | $327,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $750,000 | $187,000 | $255,000 | $93,000 | $102,000 |
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 | 1,064 | $218,160,000 | $205,000 | $3,705,000 | $138,000 | $8,408,000 |
| Application Denied By Financial Institution | 280 | $42,080,000 | $150,000 | $705,000 | $88,000 | $688,000 |
| Application Withdrawn By Applicant | 216 | $49,860,000 | $230,000 | $2,005,000 | $119,000 | $2,200,000 |
| Loan Purchased By The Institution | 106 | $28,640,000 | $270,000 | $895,000 | $86,000 | $180,000 |
| File Closed For Incompleteness | 87 | $13,735,000 | $157,000 | $575,000 | $87,000 | $435,000 |
| Application Approved But Not Accepted | 39 | $7,375,000 | $189,000 | $605,000 | $108,000 | $265,000 |
| Preapproval Denied by Financial Institution | 2 | $460,000 | $230,000 | $265,000 | $81,000 | $121,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,344 | $285,300,000 | $212,000 | $3,705,000 | $134,000 | $8,408,000 |
| Debt-To-Income Ratio | 269 | $45,675,000 | $169,000 | $2,005,000 | $92,000 | $518,000 |
| Credit History | 65 | $8,515,000 | $131,000 | $355,000 | $97,000 | $600,000 |
| Collateral | 51 | $8,685,000 | $170,000 | $685,000 | $103,000 | $688,000 |
| Other | 27 | $4,125,000 | $152,000 | $385,000 | $109,000 | $280,000 |
| Credit Application Incomplete | 17 | $3,485,000 | $205,000 | $705,000 | $100,000 | $221,000 |
| Unverifiable Information | 12 | $2,560,000 | $213,000 | $475,000 | $83,000 | $208,000 |
| Employment History | 5 | $815,000 | $163,000 | $225,000 | $54,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,150,000 | $287,000 | $375,000 | $71,000 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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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