1-800-East/West Mortgage Co. Mortgage Lending & HMDA Data, 2012
In 2012, 1-800-East/West Mortgage Co. of Marlborough, MA reported 2,162 mortgage applications totaling $538.5 million, up 30% from 2011. The average application was for $249,079, and applicants reported an average income of $117,506. 75% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (413), Boston-Quincy, MA (364) and Peabody, MA (227) (applications in parentheses).
| Mortgage Company & Address | 1-800-East/West Mortgage Co. 171 Locke Drive Suite 107 Marlborough, MA 01752 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,162 |
| Total Mortgage Loan Application Amount | $538,509,000 |
| Average Mortgage Loan Application Amount | $249,079 |
| Highest Mortgage Loan Application Amount | $530,000 |
| Average Applicant Income | $117,506 |
| Highest Applicant Income | $625,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1-800-East/West Mortgage Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex, Massachusetts | 413 | $ 112,684,000 | $ 272,842 | $ 123,000 |
| Essex, Massachusetts | 227 | $ 59,133,000 | $ 260,497 | $ 120,000 |
| Worcester, Massachusetts | 212 | $ 47,378,000 | $ 223,481 | $ 107,000 |
| Norfolk, Massachusetts | 184 | $ 51,603,000 | $ 280,451 | $ 126,000 |
| Rockingham, New Hampshire | 168 | $ 40,800,000 | $ 242,857 | $ 120,000 |
| Hartford, Connecticut | 134 | $ 31,333,000 | $ 233,828 | $ 112,000 |
| Plymouth, Massachusetts | 129 | $ 34,107,000 | $ 264,395 | $ 116,000 |
| Hillsborough, New Hampshire | 109 | $ 24,026,000 | $ 220,422 | $ 113,000 |
| New Haven, Connecticut | 91 | $ 20,199,000 | $ 221,967 | $ 103,000 |
| Bristol, Massachusetts | 77 | $ 19,582,000 | $ 254,311 | $ 118,000 |
| Suffolk, Massachusetts | 51 | $ 12,107,000 | $ 237,392 | $ 103,000 |
| Tolland, Connecticut | 39 | $ 8,254,000 | $ 211,641 | $ 93,000 |
| Middlesex, Connecticut | 38 | $ 8,887,000 | $ 233,868 | $ 127,000 |
| Barnstable, Massachusetts | 36 | $ 9,175,000 | $ 254,861 | $ 148,000 |
| Fairfield, Connecticut | 29 | $ 8,389,000 | $ 289,275 | $ 120,000 |
| Merrimack, New Hampshire | 27 | $ 5,857,000 | $ 216,925 | $ 116,000 |
| Providence, Rhode Island | 27 | $ 6,319,000 | $ 234,037 | $ 121,000 |
| Hampden, Massachusetts | 26 | $ 5,530,000 | $ 212,692 | $ 114,000 |
| New London, Connecticut | 19 | $ 4,141,000 | $ 217,947 | $ 114,000 |
| Strafford, New Hampshire | 17 | $ 3,433,000 | $ 201,941 | $ 93,000 |
| York, Maine | 14 | $ 3,690,000 | $ 263,571 | $ 118,000 |
| Litchfield, Connecticut | 10 | $ 1,861,000 | $ 186,100 | $ 120,000 |
| Windham, Connecticut | 10 | $ 1,998,000 | $ 199,800 | $ 98,000 |
| Belknap, New Hampshire | 8 | $ 2,209,000 | $ 276,125 | $ 113,000 |
| Carroll, New Hampshire | 8 | $ 1,601,000 | $ 200,125 | $ 88,000 |
| Cumberland, Maine | 7 | $ 1,684,000 | $ 240,571 | $ 129,000 |
| Washington, Rhode Island | 7 | $ 1,777,000 | $ 253,857 | $ 167,000 |
| Hampshire, Massachusetts | 5 | $ 1,108,000 | $ 221,600 | $ 95,000 |
| Kent, Rhode Island | 4 | $ 1,102,000 | $ 275,500 | $ 123,000 |
| Dukes, Massachusetts | 3 | $ 784,000 | $ 261,333 | $ 157,000 |
| Grafton, New Hampshire | 3 | $ 659,000 | $ 219,666 | $ 132,000 |
| Lee, Florida | 2 | $ 408,000 | $ 204,000 | $ 240,000 |
| Androscoggin, Maine | 2 | $ 427,000 | $ 213,500 | $ 124,000 |
| Knox, Maine | 2 | $ 473,000 | $ 236,500 | $ 91,000 |
| Berkshire, Massachusetts | 2 | $ 507,000 | $ 253,500 | $ 366,000 |
| Cheshire, New Hampshire | 2 | $ 391,000 | $ 195,500 | $ 50,000 |
| Coos, New Hampshire | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Montgomery, Pennsylvania | 2 | $ 566,000 | $ 283,000 | $ 133,000 |
| Bristol, Rhode Island | 2 | $ 678,000 | $ 339,000 | $ 149,000 |
| Palm Beach, Florida | 1 | $ 319,000 | $ 319,000 | $ 298,000 |
| Hancock, Maine | 1 | $ 166,000 | $ 166,000 | $ 53,000 |
| Kennebec, Maine | 1 | $ 300,000 | $ 300,000 | $ 121,000 |
| Lincoln, Maine | 1 | $ 79,000 | $ 79,000 | $ 87,000 |
| Oxford, Maine | 1 | $ 154,000 | $ 154,000 | $ 50,000 |
| Waldo, Maine | 1 | $ 151,000 | $ 151,000 | $ 59,000 |
| Franklin, Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Sullivan, New Hampshire | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for 1-800-East/West Mortgage Co. 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 | 2,072 | $518,931,000 | $250,000 | $468,000 | $118,000 | $625,000 |
| Home Purchase | 69 | $15,440,000 | $223,000 | $530,000 | $108,000 | $377,000 |
| Home Improvement | 21 | $4,138,000 | $197,000 | $368,000 | $100,000 | $344,000 |
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 | 1,863 | $463,607,000 | $248,000 | $530,000 | $117,000 | $625,000 |
| Not Provided | 212 | $53,168,000 | $250,000 | $468,000 | $122,000 | $538,000 |
| Asian | 41 | $11,227,000 | $273,000 | $415,000 | $124,000 | $283,000 |
| Hispanic | 29 | $6,182,000 | $213,000 | $345,000 | $116,000 | $377,000 |
| Black or African American | 14 | $3,507,000 | $250,000 | $411,000 | $106,000 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $463,000 | $231,000 | $241,000 | $120,000 | $149,000 |
| American Indian or Alaskan Native | 1 | $355,000 | $355,000 | $355,000 | $211,000 | $211,000 |
| Not applicable | 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) | 1,955 | $486,848,000 | $249,000 | $466,000 | $119,000 | $625,000 |
| FHA-insured (Federal Housing Administration) | 207 | $51,661,000 | $249,000 | $530,000 | $104,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,626 | $406,542,000 | $250,000 | $468,000 | $121,000 | $625,000 |
| Application Denied By Financial Institution | 432 | $106,942,000 | $247,000 | $435,000 | $106,000 | $413,000 |
| Application Approved But Not Accepted | 48 | $12,000,000 | $250,000 | $417,000 | $114,000 | $283,000 |
| Application Withdrawn By Applicant | 36 | $8,190,000 | $227,000 | $417,000 | $116,000 | $280,000 |
| File Closed For Incompleteness | 14 | $3,151,000 | $225,000 | $355,000 | $125,000 | $205,000 |
| Preapproval Denied by Financial Institution | 6 | $1,684,000 | $280,000 | $530,000 | $96,000 | $162,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 307 | $76,589,000 | $249,000 | $435,000 | $113,000 | $413,000 |
| Debt-To-Income Ratio | 58 | $13,518,000 | $233,000 | $399,000 | $62,000 | $203,000 |
| Credit History | 30 | $6,572,000 | $219,000 | $417,000 | $98,000 | $254,000 |
| Employment History | 16 | $4,852,000 | $303,000 | $415,000 | $126,000 | $395,000 |
| Other | 13 | $3,119,000 | $239,000 | $380,000 | $101,000 | $176,000 |
| Unverifiable Information | 9 | $2,335,000 | $259,000 | $383,000 | $113,000 | $235,000 |
| Credit Application Incomplete | 4 | $1,378,000 | $344,000 | $530,000 | $120,000 | $162,000 |
| Mortgage Insurance Denied | 1 | $263,000 | $263,000 | $263,000 | $111,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1-800-East/West Mortgage Co.'s 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1-800-East/West Mortgage Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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