Citizens Bank of Massachusetts Mortgage Lending & HMDA Data, 2005
In 2005, Citizens Bank of Massachusetts of Boston, MA reported 11,703 mortgage applications totaling $1.5 billion, down 23% from 2004. The average application was for $125,291, and applicants reported an average income of $79,162. 45% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Boston-Quincy, MA (3,870), Cambridge-Newton-Framingham, MA (2,130) and Springfield, MA (1,589) (applications in parentheses).
| 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 | 11,703 |
| Total Mortgage Loan Application Amount | $1,466,282,000 |
| Average Mortgage Loan Application Amount | $125,291 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $79,162 |
| Highest Applicant Income | $9,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank of Massachusetts filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,130 | $ 250,291,000 | $ 117,507 | $ 109,000 |
| Suffolk, Massachusetts | 1,442 | $ 160,179,000 | $ 111,081 | $ 77,000 |
| Norfolk, Massachusetts | 1,313 | $ 150,547,000 | $ 114,658 | $ 98,000 |
| Hampden, Massachusetts | 1,281 | $ 44,281,000 | $ 34,567 | $ 56,000 |
| Plymouth, Massachusetts | 1,115 | $ 111,824,000 | $ 100,290 | $ 88,000 |
| Bristol, Massachusetts | 928 | $ 81,800,000 | $ 88,146 | $ 70,000 |
| Essex, Massachusetts | 756 | $ 76,443,000 | $ 101,115 | $ 92,000 |
| Barnstable, Massachusetts | 664 | $ 74,865,000 | $ 112,748 | $ 121,000 |
| Worcester, Massachusetts | 567 | $ 39,743,000 | $ 70,093 | $ 80,000 |
| Hampshire, Massachusetts | 211 | $ 10,709,000 | $ 50,753 | $ 61,000 |
| Berkshire, Massachusetts | 135 | $ 8,058,000 | $ 59,688 | $ 56,000 |
| Franklin, Massachusetts | 97 | $ 3,252,000 | $ 33,525 | $ 46,000 |
| Los Angeles, California | 87 | $ 50,145,000 | $ 576,379 | $ 33,000 |
| Providence, Rhode Island | 71 | $ 6,718,000 | $ 94,619 | $ 70,000 |
| Orange, California | 43 | $ 25,068,000 | $ 582,976 | $ 0 |
| Fairfield, Connecticut | 31 | $ 19,444,000 | $ 627,225 | $ 34,000 |
| New York, New York | 29 | $ 20,297,000 | $ 699,896 | $ 11,000 |
| Santa Clara, California | 28 | $ 15,536,000 | $ 554,857 | $ 0 |
| San Diego, California | 23 | $ 11,788,000 | $ 512,521 | $ 0 |
| Hartford, Connecticut | 23 | $ 1,840,000 | $ 80,000 | $ 132,000 |
| Hillsborough, New Hampshire | 20 | $ 1,404,000 | $ 70,200 | $ 113,000 |
| Newport, Rhode Island | 18 | $ 1,974,000 | $ 109,666 | $ 60,000 |
| Alameda, California | 17 | $ 9,618,000 | $ 565,764 | $ 0 |
| Rockingham, New Hampshire | 17 | $ 1,612,000 | $ 94,823 | $ 113,000 |
| Montgomery, Maryland | 16 | $ 9,408,000 | $ 588,000 | $ 0 |
| Westchester, New York | 16 | $ 10,739,000 | $ 671,187 | $ 0 |
| Fairfax, Virginia | 16 | $ 9,146,000 | $ 571,625 | $ 0 |
| Contra Costa, California | 13 | $ 7,012,000 | $ 539,384 | $ 0 |
| Cook, Illinois | 13 | $ 7,221,000 | $ 555,461 | $ 0 |
| Nantucket, Massachusetts | 12 | $ 4,175,000 | $ 347,916 | $ 327,000 |
| Harris, Texas | 12 | $ 5,873,000 | $ 489,416 | $ 0 |
| Dukes, Massachusetts | 11 | $ 1,113,000 | $ 101,181 | $ 73,000 |
| Kent, Rhode Island | 11 | $ 2,933,000 | $ 266,636 | $ 140,000 |
| Maricopa, Arizona | 10 | $ 5,211,000 | $ 521,100 | $ 0 |
| San Mateo, California | 9 | $ 5,680,000 | $ 631,111 | $ 0 |
| Orange, Florida | 9 | $ 3,562,000 | $ 395,777 | $ 28,000 |
| Lee, Florida | 8 | $ 2,477,000 | $ 309,625 | $ 79,000 |
| Palm Beach, Florida | 8 | $ 3,985,000 | $ 498,125 | $ 42,000 |
| Sarasota, Florida | 8 | $ 4,526,000 | $ 565,750 | $ 0 |
| Fulton, Georgia | 8 | $ 5,710,000 | $ 713,750 | $ 0 |
| Suffolk, New York | 8 | $ 4,647,000 | $ 580,875 | $ 0 |
| King, Washington | 8 | $ 3,868,000 | $ 483,500 | $ 0 |
| Riverside, California | 7 | $ 3,335,000 | $ 476,428 | $ 0 |
| Miami-Dade, Florida | 7 | $ 4,074,000 | $ 582,000 | $ 0 |
| Arlington, Virginia | 7 | $ 4,526,000 | $ 646,571 | $ 0 |
| Loudoun, Virginia | 7 | $ 3,556,000 | $ 508,000 | $ 0 |
| Santa Barbara, California | 6 | $ 2,980,000 | $ 496,666 | $ 0 |
| Windham, Connecticut | 6 | $ 225,000 | $ 37,500 | $ 96,000 |
| District of Columbia, District Of Columbia | 6 | $ 4,262,000 | $ 710,333 | $ 0 |
| Broward, Florida | 6 | $ 2,814,000 | $ 469,000 | $ 0 |
| York, Maine | 6 | $ 651,000 | $ 108,500 | $ 112,000 |
| Oakland, Michigan | 6 | $ 2,530,000 | $ 421,666 | $ 0 |
| Carroll, New Hampshire | 6 | $ 958,000 | $ 159,666 | $ 97,000 |
| Kings, New York | 6 | $ 3,461,000 | $ 576,833 | $ 0 |
| Dallas, Texas | 6 | $ 3,639,000 | $ 606,500 | $ 0 |
| San Bernardino, California | 5 | $ 1,665,000 | $ 333,000 | $ 0 |
| Ventura, California | 5 | $ 2,621,000 | $ 524,200 | $ 0 |
| Denver, Colorado | 5 | $ 1,656,000 | $ 331,200 | $ 0 |
| Lake, Illinois | 5 | $ 2,799,000 | $ 559,800 | $ 0 |
| Waldo, Maine | 5 | $ 520,000 | $ 104,000 | $ 33,000 |
| Morris, New Jersey | 5 | $ 2,583,000 | $ 516,600 | $ 0 |
| Nassau, New York | 5 | $ 3,544,000 | $ 708,800 | $ 0 |
| Pima, Arizona | 4 | $ 1,789,000 | $ 447,250 | $ 0 |
| Sacramento, California | 4 | $ 1,838,000 | $ 459,500 | $ 0 |
| New London, Connecticut | 4 | $ 1,010,000 | $ 252,500 | $ 101,000 |
| Tolland, Connecticut | 4 | $ 175,000 | $ 43,750 | $ 19,000 |
| Cobb, Georgia | 4 | $ 1,765,000 | $ 441,250 | $ 0 |
| Belknap, New Hampshire | 4 | $ 322,000 | $ 80,500 | $ 147,000 |
| Middlesex, New Jersey | 4 | $ 1,463,000 | $ 365,750 | $ 0 |
| Ocean, New Jersey | 4 | $ 2,241,000 | $ 560,250 | $ 0 |
| Montgomery, Pennsylvania | 4 | $ 2,256,000 | $ 564,000 | $ 25,000 |
| Beaufort, South Carolina | 4 | $ 2,544,000 | $ 636,000 | $ 0 |
| Waukesha, Wisconsin | 4 | $ 1,960,000 | $ 490,000 | $ 0 |
| Fresno, California | 3 | $ 1,257,000 | $ 419,000 | $ 0 |
| Marin, California | 3 | $ 2,060,000 | $ 686,666 | $ 0 |
| San Francisco, California | 3 | $ 1,517,000 | $ 505,666 | $ 0 |
| San Luis Obispo, California | 3 | $ 1,656,000 | $ 552,000 | $ 0 |
| Boulder, Colorado | 3 | $ 1,337,000 | $ 445,666 | $ 0 |
| New Haven, Connecticut | 3 | $ 1,130,000 | $ 376,666 | $ 15,000 |
| Hillsborough, Florida | 3 | $ 1,606,000 | $ 535,333 | $ 0 |
| Okaloosa, Florida | 3 | $ 1,709,000 | $ 569,666 | $ 0 |
| Volusia, Florida | 3 | $ 1,488,000 | $ 496,000 | $ 56,000 |
| DuPage, Illinois | 3 | $ 2,148,000 | $ 716,000 | $ 0 |
| Fayette, Kentucky | 3 | $ 1,520,000 | $ 506,666 | $ 0 |
| Cumberland, Maine | 3 | $ 719,000 | $ 239,666 | $ 24,000 |
| Clark, Nevada | 3 | $ 1,845,000 | $ 615,000 | $ 0 |
| Cheshire, New Hampshire | 3 | $ 301,000 | $ 100,333 | $ 230,000 |
| Sullivan, New Hampshire | 3 | $ 466,000 | $ 155,333 | $ 154,000 |
| Bergen, New Jersey | 3 | $ 693,000 | $ 231,000 | $ 100,000 |
| Hunterdon, New Jersey | 3 | $ 1,488,000 | $ 496,000 | $ 0 |
| Columbia, New York | 3 | $ 529,000 | $ 176,333 | $ 23,000 |
| Delaware, Pennsylvania | 3 | $ 1,292,000 | $ 430,666 | $ 0 |
| Washington, Rhode Island | 3 | $ 490,000 | $ 163,333 | $ 182,000 |
| Charleston, South Carolina | 3 | $ 1,768,000 | $ 589,333 | $ 0 |
| Montgomery, Texas | 3 | $ 1,767,000 | $ 589,000 | $ 0 |
| Travis, Texas | 3 | $ 2,207,000 | $ 735,666 | $ 0 |
| Chesterfield, Virginia | 3 | $ 1,373,000 | $ 457,666 | $ 0 |
| Snohomish, Washington | 3 | $ 1,244,000 | $ 414,666 | $ 0 |
| Jefferson, Alabama | 2 | $ 445,000 | $ 222,500 | $ 0 |
| Sonoma, California | 2 | $ 902,000 | $ 451,000 | $ 0 |
| Arapahoe, Colorado | 2 | $ 1,282,000 | $ 641,000 | $ 0 |
| Litchfield, Connecticut | 2 | $ 274,000 | $ 137,000 | $ 25,000 |
| Sussex, Delaware | 2 | $ 1,121,000 | $ 560,500 | $ 0 |
| Collier, Florida | 2 | $ 1,197,000 | $ 598,500 | $ 0 |
| Indian River, Florida | 2 | $ 1,116,000 | $ 558,000 | $ 0 |
| Martin, Florida | 2 | $ 197,000 | $ 98,500 | $ 63,000 |
| Monroe, Florida | 2 | $ 1,081,000 | $ 540,500 | $ 0 |
| Nassau, Florida | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Pinellas, Florida | 2 | $ 610,000 | $ 305,000 | $ 0 |
| DeKalb, Georgia | 2 | $ 1,390,000 | $ 695,000 | $ 0 |
| Glynn, Georgia | 2 | $ 1,048,000 | $ 524,000 | $ 0 |
| Ada, Idaho | 2 | $ 414,000 | $ 207,000 | $ 0 |
| Hamilton, Indiana | 2 | $ 764,000 | $ 382,000 | $ 32,000 |
| Marion, Indiana | 2 | $ 764,000 | $ 382,000 | $ 0 |
| Penobscot, Maine | 2 | $ 92,000 | $ 46,000 | $ 45,000 |
| Anne Arundel, Maryland | 2 | $ 1,089,000 | $ 544,500 | $ 0 |
| Baltimore, Maryland | 2 | $ 664,000 | $ 332,000 | $ 0 |
| Talbot, Maryland | 2 | $ 992,000 | $ 496,000 | $ 0 |
| Worcester, Maryland | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| Washtenaw, Michigan | 2 | $ 746,000 | $ 373,000 | $ 47,000 |
| Wayne, Michigan | 2 | $ 640,000 | $ 320,000 | $ 0 |
| St. Louis, Missouri | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Grafton, New Hampshire | 2 | $ 160,000 | $ 80,000 | $ 126,000 |
| Merrimack, New Hampshire | 2 | $ 93,000 | $ 46,500 | $ 80,000 |
| Essex, New Jersey | 2 | $ 1,071,000 | $ 535,500 | $ 0 |
| Union, New Jersey | 2 | $ 1,513,000 | $ 756,500 | $ 0 |
| Queens, New York | 2 | $ 875,000 | $ 437,500 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 834,000 | $ 417,000 | $ 0 |
| Orange, North Carolina | 2 | $ 1,108,000 | $ 554,000 | $ 0 |
| Wake, North Carolina | 2 | $ 611,000 | $ 305,500 | $ 0 |
| Franklin, Ohio | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Tulsa, Oklahoma | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Jackson, Oregon | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Chester, Pennsylvania | 2 | $ 901,000 | $ 450,500 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 39,000 | $ 19,500 | $ 100,000 |
| Bristol, Rhode Island | 2 | $ 215,000 | $ 107,500 | $ 209,000 |
| Lexington, South Carolina | 2 | $ 1,174,000 | $ 587,000 | $ 0 |
| Richland, South Carolina | 2 | $ 1,106,000 | $ 553,000 | $ 0 |
| Knox, Tennessee | 2 | $ 917,000 | $ 458,500 | $ 0 |
| Loudon, Tennessee | 2 | $ 932,000 | $ 466,000 | $ 0 |
| Shelby, Tennessee | 2 | $ 1,431,000 | $ 715,500 | $ 0 |
| Washington, Tennessee | 2 | $ 1,004,000 | $ 502,000 | $ 0 |
| Bexar, Texas | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Tarrant, Texas | 2 | $ 798,000 | $ 399,000 | $ 0 |
| Alexandria, Virginia | 2 | $ 785,000 | $ 392,500 | $ 0 |
| Henrico, Virginia | 2 | $ 1,156,000 | $ 578,000 | $ 0 |
| Pierce, Washington | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Teton, Wyoming | 2 | $ 818,000 | $ 409,000 | $ 0 |
| Cochise, Arizona | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mohave, Arizona | 1 | $ 643,000 | $ 643,000 | $ 0 |
| Yuma, Arizona | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Newton, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Colusa, California | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Mendocino, California | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Monterey, California | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Placer, California | 1 | $ 372,000 | $ 372,000 | $ 0 |
| San Joaquin, California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Santa Cruz, California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Shasta, California | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Yolo, California | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Broomfield, Colorado | 1 | $ 528,000 | $ 528,000 | $ 0 |
| Grand, Colorado | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 41,000 | $ 41,000 | $ 84,000 |
| New Castle, Delaware | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Brevard, Florida | 1 | $ 990,000 | $ 990,000 | $ 0 |
| Duval, Florida | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Manatee, Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Osceola, Florida | 1 | $ 358,000 | $ 358,000 | $ 82,000 |
| Pasco, Florida | 1 | $ 184,000 | $ 184,000 | $ 51,000 |
| Bibb, Georgia | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Chatham, Georgia | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Clayton, Georgia | 1 | $ 547,000 | $ 547,000 | $ 0 |
| Columbia, Georgia | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 863,000 | $ 863,000 | $ 0 |
| Hall, Georgia | 1 | $ 714,000 | $ 714,000 | $ 0 |
| Kootenai, Idaho | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kendall, Illinois | 1 | $ 87,000 | $ 87,000 | $ 206,000 |
| McHenry, Illinois | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Warren, Illinois | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Will, Illinois | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Henry, Iowa | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Johnson, Kansas | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Hancock, Maine | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Oxford, Maine | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Sagadahoc, Maine | 1 | $ 86,000 | $ 86,000 | $ 93,000 |
| Baltimore City, Maryland | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Carroll, Maryland | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Cecil, Maryland | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Frederick, Maryland | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Howard, Maryland | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Kent, Michigan | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Macomb, Michigan | 1 | $ 17,000 | $ 17,000 | $ 91,000 |
| Hennepin, Minnesota | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Scott, Minnesota | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Camden, Missouri | 1 | $ 617,000 | $ 617,000 | $ 0 |
| Christian, Missouri | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Jackson, Missouri | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Flathead, Montana | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Washoe, Nevada | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Bronx, New York | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Dutchess, New York | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Monroe, New York | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Oneida, New York | 1 | $ 33,000 | $ 33,000 | $ 149,000 |
| Orange, New York | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Otsego, New York | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Putnam, New York | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Rensselaer, New York | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Richmond, New York | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Madison, North Carolina | 1 | $ 14,000 | $ 14,000 | $ 65,000 |
| Nash, North Carolina | 1 | $ 433,000 | $ 433,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Union, North Carolina | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Delaware, Ohio | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
| Hamilton, Ohio | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Lorain, Ohio | 1 | $ 24,000 | $ 24,000 | $ 57,000 |
| Tuscarawas, Ohio | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Wood, Ohio | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Oklahoma, Oklahoma | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 626,000 | $ 626,000 | $ 0 |
| Lane, Oregon | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Cumberland, Pennsylvania | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 801,000 | $ 801,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Edgefield, South Carolina | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Horry, South Carolina | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Brown, Texas | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Ellis, Texas | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Franklin, Texas | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Henderson, Texas | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Jasper, Texas | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Randall, Texas | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Smith, Texas | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Tom Green, Texas | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Wichita, Texas | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Summit, Utah | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Utah, Utah | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Bennington, Vermont | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Essex, Vermont | 1 | $ 19,000 | $ 19,000 | $ 92,000 |
| Rutland, Vermont | 1 | $ 27,000 | $ 27,000 | $ 57,000 |
| Windham, Vermont | 1 | $ 70,000 | $ 70,000 | $ 91,000 |
| Bedford, Virginia | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Campbell, Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gloucester, Virginia | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Hampton, Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| James City, Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Northampton, Virginia | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Prince William, Virginia | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 504,000 | $ 504,000 | $ 0 |
| York, Virginia | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Kitsap, Washington | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Yakima, Washington | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Natrona, Wyoming | 1 | $ 134,000 | $ 134,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank of Massachusetts in 2005
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 Improvement | 5,727 | $287,438,000 | $43,777 | $3,250,000 | $80,000 | $1,795,000 |
| Refinancing | 4,687 | $836,588,000 | $423,454 | $5,000,000 | $16,545 | $9,300,000 |
| Home Purchase | 1,289 | $342,256,000 | $459,382 | $3,470,000 | $20,852 | $3,160,000 |
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 | 7,394 | $705,240,000 | $78,933 | $3,250,000 | $93,133 | $9,300,000 |
| Hispanic | 1,154 | $82,265,000 | $55,333 | $600,000 | $67,666 | $1,600,000 |
| Not Provided | 1,039 | $88,039,000 | $99,375 | $890,000 | $122,375 | $3,980,000 |
| Not applicable | 826 | $458,468,000 | $498,511 | $5,000,000 | $1,860 | $3,000,000 |
| Black or African American | 777 | $72,897,000 | $222,833 | $5,000,000 | $172,166 | $674,000 |
| Asian | 413 | $49,833,000 | $92,142 | $840,000 | $157,714 | $1,143,000 |
| American Indian or Alaskan Native | 57 | $4,323,000 | $57,500 | $358,000 | $103,000 | $325,000 |
| Native Hawaiian or Other Pacific Islander | 43 | $5,217,000 | $121,000 | $750,000 | $95,000 | $398,000 |
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) | 11,703 | $1,466,282,000 | $427,545 | $5,000,000 | $16,886 | $9,300,000 |
| 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 | 5,323 | $430,476,000 | $61,625 | $5,000,000 | $107,625 | $3,160,000 |
| Application Denied By Financial Institution | 3,759 | $308,759,000 | $68,636 | $5,000,000 | $87,090 | $1,795,000 |
| Loan Purchased By The Institution | 1,683 | $629,446,000 | $455,386 | $1,094,000 | $9,068 | $1,278,000 |
| Application Approved But Not Accepted | 915 | $93,525,000 | $95,333 | $800,000 | $112,555 | $9,300,000 |
| Application Withdrawn By Applicant | 23 | $4,076,000 | $177,000 | $650,000 | $194,000 | $1,600,000 |
| 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 | 1,525 | $94,768,000 | $60,166 | $3,250,000 | $75,666 | $683,000 |
| Debt-To-Income Ratio | 1,349 | $131,609,000 | $95,000 | $5,000,000 | $66,875 | $727,000 |
| Collateral | 391 | $49,602,000 | $79,571 | $1,000,000 | $122,571 | $1,563,000 |
| Other | 284 | $14,834,000 | $18,666 | $645,000 | $72,000 | $523,000 |
| Unverifiable Information | 159 | $13,546,000 | $41,000 | $685,000 | $45,666 | $1,795,000 |
| Credit Application Incomplete | 36 | $3,618,000 | $66,000 | $380,000 | $244,000 | $395,000 |
| Employment History | 15 | $782,000 | $52,000 | $445,000 | $26,000 | $75,000 |
| 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 2005 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.
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