Citizens Bank Of Massachusetts
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Citizens Bank Of Massachusetts 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Bank Of Massachusetts 28 State Street Boston, MA 02109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 29,062 |
| Total Mortgage Loan Application Amount | $5,166,730,000 |
| Average Mortgage Loan Application Amount | $249,878 |
| Highest Mortgage Loan Application Amount | $15,447,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $9,840,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Citizens Bank Of Massachusetts. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Bank Of Massachusetts's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Citizens Bank Of Massachusetts's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Bank Of Massachusetts serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Bank Of Massachusetts, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Bank Of Massachusetts's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex County Massachusetts | 7,887 | $ 1,525,815,000 | $ 193,000 | $ 127,000 |
| Norfolk County Massachusetts | 4,239 | $ 796,070,000 | $ 187,000 | $ 116,000 |
| Suffolk County Massachusetts | 3,611 | $ 649,940,000 | $ 179,000 | $ 122,000 |
| Plymouth County Massachusetts | 3,162 | $ 535,505,000 | $ 169,000 | $ 92,000 |
| Essex County Massachusetts | 2,691 | $ 515,382,000 | $ 191,000 | $ 106,000 |
| Bristol County Massachusetts | 2,209 | $ 322,172,000 | $ 145,000 | $ 85,000 |
| Barnstable County Massachusetts | 1,667 | $ 286,059,000 | $ 171,000 | $ 120,000 |
| Worcester County Massachusetts | 1,373 | $ 228,575,000 | $ 166,000 | $ 92,000 |
| Hampden County Massachusetts | 747 | $ 78,766,000 | $ 105,000 | $ 60,000 |
| Hampshire County Massachusetts | 316 | $ 52,628,000 | $ 166,000 | $ 73,000 |
| Berkshire County Massachusetts | 212 | $ 29,501,000 | $ 139,000 | $ 91,000 |
| Providence County Rhode Island | 141 | $ 20,397,000 | $ 144,000 | $ 74,000 |
| Franklin County Massachusetts | 128 | $ 14,258,000 | $ 111,000 | $ 70,000 |
| Rockingham County New Hampshire | 112 | $ 18,484,000 | $ 165,000 | $ 104,000 |
| Newport County Rhode Island | 83 | $ 12,841,000 | $ 154,000 | $ 91,000 |
| Hillsborough County New Hampshire | 70 | $ 11,407,000 | $ 162,000 | $ 91,000 |
| Carroll County New Hampshire | 50 | $ 8,058,000 | $ 161,000 | $ 186,000 |
| Dukes County Massachusetts | 49 | $ 9,735,000 | $ 198,000 | $ 177,000 |
| Hartford County Connecticut | 31 | $ 3,480,000 | $ 112,000 | $ 89,000 |
| Kent County Rhode Island | 21 | $ 3,237,000 | $ 154,000 | $ 60,000 |
| Belknap County New Hampshire | 20 | $ 4,401,000 | $ 220,000 | $ 207,000 |
| Washington County Rhode Island | 18 | $ 2,815,000 | $ 156,000 | $ 204,000 |
| Nantucket County Massachusetts | 14 | $ 4,564,000 | $ 326,000 | $ 254,000 |
| Grafton County New Hampshire | 14 | $ 1,969,000 | $ 140,000 | $ 197,000 |
| Bristol County Rhode Island | 14 | $ 1,845,000 | $ 131,000 | $ 88,000 |
| Tolland County Connecticut | 13 | $ 1,644,000 | $ 126,000 | $ 98,000 |
| Windham County Connecticut | 12 | $ 1,453,000 | $ 121,000 | $ 74,000 |
| Cheshire County New Hampshire | 10 | $ 1,343,000 | $ 134,000 | $ 102,000 |
| Philadelphia County Pennsylvania | 10 | $ 1,088,000 | $ 108,000 | $ 62,000 |
| York County Maine | 9 | $ 1,308,000 | $ 145,000 | $ 195,000 |
| Merrimack County New Hampshire | 9 | $ 2,061,000 | $ 229,000 | $ 110,000 |
| Cumberland County Maine | 8 | $ 1,279,000 | $ 159,000 | $ 238,000 |
| Fairfield County Connecticut | 7 | $ 1,692,000 | $ 241,000 | $ 335,000 |
| New Haven County Connecticut | 6 | $ 707,000 | $ 117,000 | $ 53,000 |
| Strafford County New Hampshire | 6 | $ 712,000 | $ 118,000 | $ 66,000 |
| Chester County Pennsylvania | 6 | $ 1,832,000 | $ 305,000 | $ 148,000 |
| Montgomery County Pennsylvania | 6 | $ 830,000 | $ 138,000 | $ 118,000 |
| Bennington County Vermont | 6 | $ 810,000 | $ 135,000 | $ 134,000 |
| New London County Connecticut | 5 | $ 722,000 | $ 144,000 | $ 77,000 |
| Middlesex County Connecticut | 4 | $ 670,000 | $ 167,000 | $ 118,000 |
| Windham County Vermont | 4 | $ 596,000 | $ 149,000 | $ 156,000 |
| Lee County Florida | 3 | $ 975,000 | $ 325,000 | $ 202,000 |
| Palm Beach County Florida | 3 | $ 910,000 | $ 303,000 | $ 2,445,000 |
| Oxford County Maine | 3 | $ 313,000 | $ 104,000 | $ 116,000 |
| Sullivan County New Hampshire | 3 | $ 377,000 | $ 125,000 | $ 69,000 |
| Allegheny County Pennsylvania | 3 | $ 167,000 | $ 55,000 | $ 28,000 |
| Berks County Pennsylvania | 3 | $ 318,000 | $ 106,000 | $ 74,000 |
| Bucks County Pennsylvania | 3 | $ 370,000 | $ 123,000 | $ 160,000 |
| Windsor County Vermont | 3 | $ 835,000 | $ 278,000 | $ 137,000 |
| Litchfield County Connecticut | 2 | $ 164,000 | $ 82,000 | $ 53,000 |
| New Castle County Delaware | 2 | $ 218,000 | $ 109,000 | $ 44,000 |
| Hancock County Maine | 2 | $ 435,000 | $ 217,000 | $ 155,000 |
| Knox County Maine | 2 | $ 300,000 | $ 150,000 | $ 65,000 |
| Coos County New Hampshire | 2 | $ 235,000 | $ 117,000 | $ 101,000 |
| Dauphin County Pennsylvania | 2 | $ 183,000 | $ 91,000 | $ 40,000 |
| Delaware County Pennsylvania | 2 | $ 308,000 | $ 154,000 | $ 77,000 |
| Mesa County Colorado | 1 | $ 61,000 | $ 61,000 | $ 67,000 |
| Kent County Delaware | 1 | $ 156,000 | $ 156,000 | $ 132,000 |
| Brevard County Florida | 1 | $ 119,000 | $ 119,000 | $ 66,000 |
| Indian River County Florida | 1 | $ 376,000 | $ 376,000 | $ 670,000 |
| Orange County Florida | 1 | $ 190,000 | $ 190,000 | $ 96,000 |
| Polk County Florida | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Jefferson County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Franklin County Maine | 1 | $ 100,000 | $ 100,000 | $ 85,000 |
| Lincoln County Maine | 1 | $ 150,000 | $ 150,000 | $ 152,000 |
| Bergen County New Jersey | 1 | $ 486,000 | $ 486,000 | $ 900,000 |
| Camden County New Jersey | 1 | $ 119,000 | $ 119,000 | $ 41,000 |
| Cape May County New Jersey | 1 | $ 107,000 | $ 107,000 | $ 190,000 |
| Middlesex County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Monmouth County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Somerset County New Jersey | 1 | $ 375,000 | $ 375,000 | $ 196,000 |
| Union County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| Rensselaer County New York | 1 | $ 170,000 | $ 170,000 | $ 70,000 |
| Centre County Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 81,000 |
| Cumberland County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Fayette County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Pike County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 24,000 |
| Westmoreland County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Caledonia County Vermont | 1 | $ 276,000 | $ 276,000 | $ 167,000 |
| Orange County Vermont | 1 | $ 115,000 | $ 115,000 | $ 187,000 |
Mortgage Loan Application Detail Totals for Citizens Bank Of Massachusetts in 2003
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 (home purchase or home improvement, one-to-four family) | 24,360 | $4,492,593,000 | $155,307 | $4,478,000 | $202,846 | $9,840,000 |
| Home Improvement (one-to-four family) | 3,959 | $480,798,000 | $126,222 | $3,400,000 | $91,555 | $3,936,000 |
| Home Purchase (one-to-four family) | 725 | $141,428,000 | $196,111 | $3,100,000 | $147,111 | $6,200,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 18 | $51,911,000 | $1,663,000 | $15,447,000 | $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 | 19,822 | $3,377,523,000 | $166,692 | $4,478,000 | $213,230 | $9,840,000 |
| Information not provided by applicant in mail or telephone application | 4,613 | $914,197,000 | $127,777 | $1,721,000 | $111,666 | $6,200,000 |
| Black | 1,459 | $234,421,000 | $139,600 | $1,000,000 | $63,400 | $744,000 |
| Hispanic | 1,242 | $219,358,000 | $160,833 | $908,000 | $92,166 | $2,742,000 |
| Asian or Pacific Islander | 1,200 | $232,862,000 | $122,600 | $1,420,000 | $84,200 | $1,624,000 |
| Other | 568 | $107,454,000 | $158,571 | $1,000,000 | $157,000 | $850,000 |
| American Indian or Alaskan Native | 126 | $19,614,000 | $100,800 | $525,000 | $78,200 | $240,000 |
| Not applicable | 32 | $61,301,000 | $1,129,000 | $15,447,000 | $112,000 | $2,316,000 |
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) | 29,061 | $5,166,698,000 | $155,692 | $15,447,000 | $167,307 | $9,840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $32,000 | $32,000 | $32,000 | $32,000 | $32,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 15,032 | $2,665,550,000 | $195,555 | $15,447,000 | $408,000 | $6,902,000 |
| Application Denied By Financial Institution | 7,706 | $1,382,666,000 | $132,615 | $1,480,000 | $75,230 | $9,840,000 |
| Application Approved But Not Accepted | 4,220 | $747,769,000 | $144,428 | $1,100,000 | $97,428 | $3,672,000 |
| Loan Purchased By The Institution | 2,017 | $352,366,000 | $264,000 | $3,100,000 | $142,666 | $1,782,000 |
| Application Withdrawn By Applicant | 86 | $17,829,000 | $136,666 | $625,000 | $130,666 | $6,200,000 |
| File Closed For Incompleteness | 1 | $550,000 | $550,000 | $550,000 | $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 | 3,366 | $635,110,000 | $144,500 | $1,300,000 | $72,500 | $880,000 |
| Credit History | 2,885 | $452,204,000 | $118,333 | $1,000,000 | $68,111 | $2,880,000 |
| Other | 679 | $126,423,000 | $149,333 | $1,300,000 | $111,666 | $1,896,000 |
| Collateral | 469 | $103,943,000 | $152,250 | $1,480,000 | $91,250 | $9,840,000 |
| Credit Application Incomplete | 165 | $29,036,000 | $143,000 | $994,000 | $101,000 | $749,000 |
| Unverifiable Information | 119 | $31,557,000 | $158,800 | $1,000,000 | $89,000 | $1,740,000 |
| Employment History | 23 | $4,393,000 | $172,000 | $630,000 | $59,500 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank Of Massachusetts's 2003 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 Citizens Bank Of Massachusetts'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.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.