Citizens Bank Of Massachusetts
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Citizens Bank Of Massachusetts 2004 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 | 15,187 |
| Total Mortgage Loan Application Amount | $2,154,546,000 |
| Average Mortgage Loan Application Amount | $134,787 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $93,484 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 3,298 | $ 551,355,000 | $ 167,000 | $ 108,000 |
| Suffolk County Massachusetts | 2,072 | $ 306,137,000 | $ 147,000 | $ 125,000 |
| Norfolk County Massachusetts | 1,778 | $ 286,815,000 | $ 161,000 | $ 105,000 |
| Plymouth County Massachusetts | 1,504 | $ 199,394,000 | $ 132,000 | $ 77,000 |
| Bristol County Massachusetts | 1,334 | $ 171,735,000 | $ 128,000 | $ 69,000 |
| Hampden County Massachusetts | 1,240 | $ 68,527,000 | $ 55,000 | $ 50,000 |
| Essex County Massachusetts | 1,061 | $ 176,237,000 | $ 166,000 | $ 104,000 |
| Barnstable County Massachusetts | 1,009 | $ 154,275,000 | $ 152,000 | $ 76,000 |
| Worcester County Massachusetts | 677 | $ 88,950,000 | $ 131,000 | $ 80,000 |
| Hampshire County Massachusetts | 280 | $ 29,492,000 | $ 105,000 | $ 65,000 |
| Berkshire County Massachusetts | 214 | $ 18,902,000 | $ 88,000 | $ 67,000 |
| Franklin County Massachusetts | 174 | $ 13,422,000 | $ 77,000 | $ 96,000 |
| Providence County Rhode Island | 140 | $ 19,421,000 | $ 138,000 | $ 64,000 |
| Rockingham County New Hampshire | 59 | $ 11,174,000 | $ 189,000 | $ 99,000 |
| Hillsborough County New Hampshire | 53 | $ 10,245,000 | $ 193,000 | $ 124,000 |
| Newport County Rhode Island | 37 | $ 4,862,000 | $ 131,000 | $ 107,000 |
| Hartford County Connecticut | 30 | $ 2,524,000 | $ 84,000 | $ 79,000 |
| Grafton County New Hampshire | 20 | $ 2,630,000 | $ 131,000 | $ 148,000 |
| Carroll County New Hampshire | 17 | $ 1,836,000 | $ 108,000 | $ 143,000 |
| Nantucket County Massachusetts | 14 | $ 7,443,000 | $ 531,000 | $ 320,000 |
| Dukes County Massachusetts | 13 | $ 2,385,000 | $ 183,000 | $ 172,000 |
| Belknap County New Hampshire | 13 | $ 2,498,000 | $ 192,000 | $ 212,000 |
| York County Maine | 12 | $ 1,781,000 | $ 148,000 | $ 109,000 |
| Strafford County New Hampshire | 11 | $ 1,908,000 | $ 173,000 | $ 83,000 |
| Washington County Rhode Island | 9 | $ 2,091,000 | $ 232,000 | $ 214,000 |
| Bennington County Vermont | 9 | $ 708,000 | $ 78,000 | $ 54,000 |
| Cheshire County New Hampshire | 8 | $ 549,000 | $ 68,000 | $ 37,000 |
| Merrimack County New Hampshire | 8 | $ 2,055,000 | $ 256,000 | $ 190,000 |
| Kent County Rhode Island | 7 | $ 1,178,000 | $ 168,000 | $ 68,000 |
| Cumberland County Maine | 6 | $ 1,714,000 | $ 285,000 | $ 144,000 |
| Oxford County Maine | 5 | $ 535,000 | $ 107,000 | $ 53,000 |
| Bristol County Rhode Island | 5 | $ 196,000 | $ 39,000 | $ 53,000 |
| Fairfield County Connecticut | 4 | $ 1,028,000 | $ 257,000 | $ 93,000 |
| New Haven County Connecticut | 4 | $ 132,000 | $ 33,000 | $ 52,000 |
| New London County Connecticut | 4 | $ 539,000 | $ 134,000 | $ 106,000 |
| Litchfield County Connecticut | 3 | $ 198,000 | $ 66,000 | $ 35,000 |
| Tolland County Connecticut | 3 | $ 541,000 | $ 180,000 | $ 108,000 |
| Windham County Connecticut | 3 | $ 200,000 | $ 66,000 | $ 81,000 |
| Collier County Florida | 3 | $ 638,000 | $ 212,000 | $ 151,000 |
| Androscoggin County Maine | 3 | $ 238,000 | $ 79,000 | $ 123,000 |
| Allegheny County Pennsylvania | 3 | $ 370,000 | $ 123,000 | $ 101,000 |
| Pinellas County Florida | 2 | $ 594,000 | $ 297,000 | $ 176,000 |
| Coos County New Hampshire | 2 | $ 225,000 | $ 112,000 | $ 84,000 |
| Bergen County New Jersey | 2 | $ 211,000 | $ 105,000 | $ 34,000 |
| Chester County Pennsylvania | 2 | $ 133,000 | $ 66,000 | $ 90,000 |
| Pike County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 78,000 |
| Windsor County Vermont | 2 | $ 295,000 | $ 147,000 | $ 170,000 |
| Maricopa County Arizona | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Middlesex County Connecticut | 1 | $ 1,200,000 | $ 1,200,000 | $ 100,000 |
| Sussex County Delaware | 1 | $ 42,000 | $ 42,000 | $ 101,000 |
| Baker County Florida | 1 | $ 30,000 | $ 30,000 | $ 16,000 |
| Lake County Florida | 1 | $ 171,000 | $ 171,000 | $ 185,000 |
| Miami-Dade County Florida | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 217,000 | $ 217,000 | $ 615,000 |
| St. Lucie County Florida | 1 | $ 126,000 | $ 126,000 | $ 30,000 |
| Aroostook County Maine | 1 | $ 1,000 | $ 1,000 | $ 50,000 |
| Waldo County Maine | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Camden County New Jersey | 1 | $ 119,000 | $ 119,000 | $ 32,000 |
| Union County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Bronx County New York | 1 | $ 134,000 | $ 134,000 | $ 27,000 |
| Columbia County New York | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Jefferson County New York | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Monroe County New York | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Rensselaer County New York | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Rockland County New York | 1 | $ 10,000 | $ 10,000 | $ 61,000 |
| Rowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Multnomah County Oregon | 1 | $ 140,000 | $ 140,000 | $ 127,000 |
| Berks County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Erie County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| Philadelphia County Pennsylvania | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Westmoreland County Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 54,000 |
| Lamoille County Vermont | 1 | $ 310,000 | $ 310,000 | $ 108,000 |
| Rutland County Vermont | 1 | $ 100,000 | $ 100,000 | $ 341,000 |
| Windham County Vermont | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Pocahontas County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Citizens Bank Of Massachusetts in 2004
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 | 8,273 | $1,467,636,000 | $158,153 | $10,000,000 | $97,307 | $7,914,000 |
| Home Improvement | 5,549 | $393,833,000 | $70,083 | $10,000,000 | $74,000 | $9,999,000 |
| Home Purchase | 1,365 | $293,077,000 | $193,875 | $3,000,000 | $116,500 | $1,716,000 |
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 | 10,130 | $1,450,488,000 | $115,846 | $10,000,000 | $103,000 | $9,999,000 |
| Not Provided | 1,771 | $223,786,000 | $113,000 | $3,000,000 | $91,333 | $3,660,000 |
| Hispanic | 1,274 | $145,991,000 | $88,571 | $534,000 | $66,714 | $865,000 |
| Black or African American | 1,097 | $143,420,000 | $93,333 | $1,900,000 | $63,333 | $461,000 |
| Asian | 637 | $112,276,000 | $121,750 | $999,000 | $84,500 | $7,914,000 |
| Not applicable | 96 | $48,039,000 | $935,400 | $10,000,000 | $121,400 | $641,000 |
| Native Hawaiian or Other Pacific Islander | 92 | $17,892,000 | $367,000 | $1,000,000 | $157,500 | $354,000 |
| American Indian or Alaskan Native | 90 | $12,654,000 | $154,666 | $672,000 | $105,000 | $518,000 |
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) | 15,187 | $2,154,546,000 | $125,800 | $10,000,000 | $95,866 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7,299 | $978,091,000 | $218,363 | $10,000,000 | $95,545 | $9,999,000 |
| Application Denied By Financial Institution | 4,725 | $583,530,000 | $112,692 | $1,900,000 | $70,307 | $6,800,000 |
| Application Approved But Not Accepted | 1,919 | $287,992,000 | $122,833 | $1,000,000 | $115,166 | $7,914,000 |
| Loan Purchased By The Institution | 1,223 | $302,112,000 | $202,333 | $2,200,000 | $143,222 | $958,000 |
| Application Withdrawn By Applicant | 21 | $2,821,000 | $204,000 | $605,000 | $77,500 | $425,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,944 | $187,268,000 | $77,625 | $1,900,000 | $58,250 | $3,077,000 |
| Debt-To-Income Ratio | 1,811 | $236,288,000 | $127,100 | $766,000 | $64,300 | $419,000 |
| Collateral | 495 | $88,538,000 | $115,375 | $1,500,000 | $89,750 | $1,954,000 |
| Other | 342 | $44,071,000 | $125,400 | $1,150,000 | $91,800 | $982,000 |
| Unverifiable Information | 69 | $15,969,000 | $198,500 | $1,200,000 | $71,000 | $888,000 |
| Credit Application Incomplete | 51 | $9,378,000 | $179,500 | $1,420,000 | $197,000 | $6,800,000 |
| Employment History | 13 | $2,018,000 | $155,000 | $400,000 | $51,000 | $113,000 |
| 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 2004 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.