Citizens Bank Of Massachusetts
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Citizens Bank Of Massachusetts 2005 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 | 11,703 |
| Total Mortgage Loan Application Amount | $1,466,282,000 |
| Average Mortgage Loan Application Amount | $398,218 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $24,793 |
| Highest Applicant Income | $9,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 2,130 | $ 250,291,000 | $ 117,000 | $ 109,000 |
| Suffolk County Massachusetts | 1,442 | $ 160,179,000 | $ 111,000 | $ 77,000 |
| Norfolk County Massachusetts | 1,313 | $ 150,547,000 | $ 114,000 | $ 98,000 |
| Hampden County Massachusetts | 1,281 | $ 44,281,000 | $ 34,000 | $ 56,000 |
| Plymouth County Massachusetts | 1,115 | $ 111,824,000 | $ 100,000 | $ 88,000 |
| Bristol County Massachusetts | 928 | $ 81,800,000 | $ 88,000 | $ 70,000 |
| Essex County Massachusetts | 756 | $ 76,443,000 | $ 101,000 | $ 92,000 |
| Barnstable County Massachusetts | 664 | $ 74,865,000 | $ 112,000 | $ 121,000 |
| Worcester County Massachusetts | 567 | $ 39,743,000 | $ 70,000 | $ 80,000 |
| Hampshire County Massachusetts | 211 | $ 10,709,000 | $ 50,000 | $ 61,000 |
| Berkshire County Massachusetts | 135 | $ 8,058,000 | $ 59,000 | $ 56,000 |
| Franklin County Massachusetts | 97 | $ 3,252,000 | $ 33,000 | $ 46,000 |
| Los Angeles County California | 87 | $ 50,145,000 | $ 576,000 | $ 33,000 |
| Providence County Rhode Island | 71 | $ 6,718,000 | $ 94,000 | $ 70,000 |
| Orange County California | 43 | $ 25,068,000 | $ 582,000 | $ 0 |
| Fairfield County Connecticut | 31 | $ 19,444,000 | $ 627,000 | $ 34,000 |
| New York County New York | 29 | $ 20,297,000 | $ 699,000 | $ 11,000 |
| Santa Clara County California | 28 | $ 15,536,000 | $ 554,000 | $ 0 |
| San Diego County California | 23 | $ 11,788,000 | $ 512,000 | $ 0 |
| Hartford County Connecticut | 23 | $ 1,840,000 | $ 80,000 | $ 132,000 |
| Hillsborough County New Hampshire | 20 | $ 1,404,000 | $ 70,000 | $ 113,000 |
| Newport County Rhode Island | 18 | $ 1,974,000 | $ 109,000 | $ 60,000 |
| Alameda County California | 17 | $ 9,618,000 | $ 565,000 | $ 0 |
| Rockingham County New Hampshire | 17 | $ 1,612,000 | $ 94,000 | $ 113,000 |
| Montgomery County Maryland | 16 | $ 9,408,000 | $ 588,000 | $ 0 |
| Westchester County New York | 16 | $ 10,739,000 | $ 671,000 | $ 0 |
| Fairfax County Virginia | 16 | $ 9,146,000 | $ 571,000 | $ 0 |
| Contra Costa County California | 13 | $ 7,012,000 | $ 539,000 | $ 0 |
| Cook County Illinois | 13 | $ 7,221,000 | $ 555,000 | $ 0 |
| Nantucket County Massachusetts | 12 | $ 4,175,000 | $ 347,000 | $ 327,000 |
| Harris County Texas | 12 | $ 5,873,000 | $ 489,000 | $ 0 |
| Dukes County Massachusetts | 11 | $ 1,113,000 | $ 101,000 | $ 73,000 |
| Kent County Rhode Island | 11 | $ 2,933,000 | $ 266,000 | $ 140,000 |
| Maricopa County Arizona | 10 | $ 5,211,000 | $ 521,000 | $ 0 |
| San Mateo County California | 9 | $ 5,680,000 | $ 631,000 | $ 0 |
| Orange County Florida | 9 | $ 3,562,000 | $ 395,000 | $ 28,000 |
| Lee County Florida | 8 | $ 2,477,000 | $ 309,000 | $ 79,000 |
| Palm Beach County Florida | 8 | $ 3,985,000 | $ 498,000 | $ 42,000 |
| Sarasota County Florida | 8 | $ 4,526,000 | $ 565,000 | $ 0 |
| Fulton County Georgia | 8 | $ 5,710,000 | $ 713,000 | $ 0 |
| Suffolk County New York | 8 | $ 4,647,000 | $ 580,000 | $ 0 |
| King County Washington | 8 | $ 3,868,000 | $ 483,000 | $ 0 |
| Riverside County California | 7 | $ 3,335,000 | $ 476,000 | $ 0 |
| Miami-Dade County Florida | 7 | $ 4,074,000 | $ 582,000 | $ 0 |
| Arlington County Virginia | 7 | $ 4,526,000 | $ 646,000 | $ 0 |
| Loudoun County Virginia | 7 | $ 3,556,000 | $ 508,000 | $ 0 |
| Santa Barbara County California | 6 | $ 2,980,000 | $ 496,000 | $ 0 |
| Windham County Connecticut | 6 | $ 225,000 | $ 37,000 | $ 96,000 |
| District of Columbia County District Of Columbia | 6 | $ 4,262,000 | $ 710,000 | $ 0 |
| Broward County Florida | 6 | $ 2,814,000 | $ 469,000 | $ 0 |
| York County Maine | 6 | $ 651,000 | $ 108,000 | $ 112,000 |
| Oakland County Michigan | 6 | $ 2,530,000 | $ 421,000 | $ 0 |
| Carroll County New Hampshire | 6 | $ 958,000 | $ 159,000 | $ 97,000 |
| Kings County New York | 6 | $ 3,461,000 | $ 576,000 | $ 0 |
| Dallas County Texas | 6 | $ 3,639,000 | $ 606,000 | $ 0 |
| San Bernardino County California | 5 | $ 1,665,000 | $ 333,000 | $ 0 |
| Ventura County California | 5 | $ 2,621,000 | $ 524,000 | $ 0 |
| Denver County Colorado | 5 | $ 1,656,000 | $ 331,000 | $ 0 |
| Lake County Illinois | 5 | $ 2,799,000 | $ 559,000 | $ 0 |
| Waldo County Maine | 5 | $ 520,000 | $ 104,000 | $ 33,000 |
| Morris County New Jersey | 5 | $ 2,583,000 | $ 516,000 | $ 0 |
| Nassau County New York | 5 | $ 3,544,000 | $ 708,000 | $ 0 |
| Pima County Arizona | 4 | $ 1,789,000 | $ 447,000 | $ 0 |
| Sacramento County California | 4 | $ 1,838,000 | $ 459,000 | $ 0 |
| New London County Connecticut | 4 | $ 1,010,000 | $ 252,000 | $ 101,000 |
| Tolland County Connecticut | 4 | $ 175,000 | $ 43,000 | $ 19,000 |
| Cobb County Georgia | 4 | $ 1,765,000 | $ 441,000 | $ 0 |
| Belknap County New Hampshire | 4 | $ 322,000 | $ 80,000 | $ 147,000 |
| Middlesex County New Jersey | 4 | $ 1,463,000 | $ 365,000 | $ 0 |
| Ocean County New Jersey | 4 | $ 2,241,000 | $ 560,000 | $ 0 |
| Montgomery County Pennsylvania | 4 | $ 2,256,000 | $ 564,000 | $ 25,000 |
| Beaufort County South Carolina | 4 | $ 2,544,000 | $ 636,000 | $ 0 |
| Waukesha County Wisconsin | 4 | $ 1,960,000 | $ 490,000 | $ 0 |
| Fresno County California | 3 | $ 1,257,000 | $ 419,000 | $ 0 |
| Marin County California | 3 | $ 2,060,000 | $ 686,000 | $ 0 |
| San Francisco County California | 3 | $ 1,517,000 | $ 505,000 | $ 0 |
| San Luis Obispo County California | 3 | $ 1,656,000 | $ 552,000 | $ 0 |
| Boulder County Colorado | 3 | $ 1,337,000 | $ 445,000 | $ 0 |
| New Haven County Connecticut | 3 | $ 1,130,000 | $ 376,000 | $ 15,000 |
| Hillsborough County Florida | 3 | $ 1,606,000 | $ 535,000 | $ 0 |
| Okaloosa County Florida | 3 | $ 1,709,000 | $ 569,000 | $ 0 |
| Volusia County Florida | 3 | $ 1,488,000 | $ 496,000 | $ 56,000 |
| DuPage County Illinois | 3 | $ 2,148,000 | $ 716,000 | $ 0 |
| Fayette County Kentucky | 3 | $ 1,520,000 | $ 506,000 | $ 0 |
| Cumberland County Maine | 3 | $ 719,000 | $ 239,000 | $ 24,000 |
| Clark County Nevada | 3 | $ 1,845,000 | $ 615,000 | $ 0 |
| Cheshire County New Hampshire | 3 | $ 301,000 | $ 100,000 | $ 230,000 |
| Sullivan County New Hampshire | 3 | $ 466,000 | $ 155,000 | $ 154,000 |
| Bergen County New Jersey | 3 | $ 693,000 | $ 231,000 | $ 100,000 |
| Hunterdon County New Jersey | 3 | $ 1,488,000 | $ 496,000 | $ 0 |
| Columbia County New York | 3 | $ 529,000 | $ 176,000 | $ 23,000 |
| Delaware County Pennsylvania | 3 | $ 1,292,000 | $ 430,000 | $ 0 |
| Washington County Rhode Island | 3 | $ 490,000 | $ 163,000 | $ 182,000 |
| Charleston County South Carolina | 3 | $ 1,768,000 | $ 589,000 | $ 0 |
| Montgomery County Texas | 3 | $ 1,767,000 | $ 589,000 | $ 0 |
| Travis County Texas | 3 | $ 2,207,000 | $ 735,000 | $ 0 |
| Chesterfield County Virginia | 3 | $ 1,373,000 | $ 457,000 | $ 0 |
| Snohomish County Washington | 3 | $ 1,244,000 | $ 414,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 445,000 | $ 222,000 | $ 0 |
| Sonoma County California | 2 | $ 902,000 | $ 451,000 | $ 0 |
| Arapahoe County Colorado | 2 | $ 1,282,000 | $ 641,000 | $ 0 |
| Litchfield County Connecticut | 2 | $ 274,000 | $ 137,000 | $ 25,000 |
| Sussex County Delaware | 2 | $ 1,121,000 | $ 560,000 | $ 0 |
| Collier County Florida | 2 | $ 1,197,000 | $ 598,000 | $ 0 |
| Indian River County Florida | 2 | $ 1,116,000 | $ 558,000 | $ 0 |
| Martin County Florida | 2 | $ 197,000 | $ 98,000 | $ 63,000 |
| Monroe County Florida | 2 | $ 1,081,000 | $ 540,000 | $ 0 |
| Nassau County Florida | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Pinellas County Florida | 2 | $ 610,000 | $ 305,000 | $ 0 |
| DeKalb County Georgia | 2 | $ 1,390,000 | $ 695,000 | $ 0 |
| Glynn County Georgia | 2 | $ 1,048,000 | $ 524,000 | $ 0 |
| Ada County Idaho | 2 | $ 414,000 | $ 207,000 | $ 0 |
| Hamilton County Indiana | 2 | $ 764,000 | $ 382,000 | $ 32,000 |
| Marion County Indiana | 2 | $ 764,000 | $ 382,000 | $ 0 |
| Penobscot County Maine | 2 | $ 92,000 | $ 46,000 | $ 45,000 |
| Anne Arundel County Maryland | 2 | $ 1,089,000 | $ 544,000 | $ 0 |
| Baltimore County Maryland | 2 | $ 664,000 | $ 332,000 | $ 0 |
| Talbot County Maryland | 2 | $ 992,000 | $ 496,000 | $ 0 |
| Worcester County Maryland | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| Washtenaw County Michigan | 2 | $ 746,000 | $ 373,000 | $ 47,000 |
| Wayne County Michigan | 2 | $ 640,000 | $ 320,000 | $ 0 |
| St. Louis County Missouri | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Grafton County New Hampshire | 2 | $ 160,000 | $ 80,000 | $ 126,000 |
| Merrimack County New Hampshire | 2 | $ 93,000 | $ 46,000 | $ 80,000 |
| Essex County New Jersey | 2 | $ 1,071,000 | $ 535,000 | $ 0 |
| Union County New Jersey | 2 | $ 1,513,000 | $ 756,000 | $ 0 |
| Queens County New York | 2 | $ 875,000 | $ 437,000 | $ 0 |
| Mecklenburg County North Carolina | 2 | $ 834,000 | $ 417,000 | $ 0 |
| Orange County North Carolina | 2 | $ 1,108,000 | $ 554,000 | $ 0 |
| Wake County North Carolina | 2 | $ 611,000 | $ 305,000 | $ 0 |
| Franklin County Ohio | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Tulsa County Oklahoma | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Jackson County Oregon | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Chester County Pennsylvania | 2 | $ 901,000 | $ 450,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 39,000 | $ 19,000 | $ 100,000 |
| Bristol County Rhode Island | 2 | $ 215,000 | $ 107,000 | $ 209,000 |
| Lexington County South Carolina | 2 | $ 1,174,000 | $ 587,000 | $ 0 |
| Richland County South Carolina | 2 | $ 1,106,000 | $ 553,000 | $ 0 |
| Knox County Tennessee | 2 | $ 917,000 | $ 458,000 | $ 0 |
| Loudon County Tennessee | 2 | $ 932,000 | $ 466,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 1,431,000 | $ 715,000 | $ 0 |
| Washington County Tennessee | 2 | $ 1,004,000 | $ 502,000 | $ 0 |
| Bexar County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Tarrant County Texas | 2 | $ 798,000 | $ 399,000 | $ 0 |
| Alexandria County Virginia | 2 | $ 785,000 | $ 392,000 | $ 0 |
| Henrico County Virginia | 2 | $ 1,156,000 | $ 578,000 | $ 0 |
| Pierce County Washington | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Teton County Wyoming | 2 | $ 818,000 | $ 409,000 | $ 0 |
| Cochise County Arizona | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mohave County Arizona | 1 | $ 643,000 | $ 643,000 | $ 0 |
| Yuma County Arizona | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Newton County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Colusa County California | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Mendocino County California | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Monterey County California | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Placer County California | 1 | $ 372,000 | $ 372,000 | $ 0 |
| San Joaquin County California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Santa Cruz County California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Shasta County California | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Yolo County California | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 528,000 | $ 528,000 | $ 0 |
| Grand County Colorado | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 41,000 | $ 41,000 | $ 84,000 |
| New Castle County Delaware | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Brevard County Florida | 1 | $ 990,000 | $ 990,000 | $ 0 |
| Duval County Florida | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Manatee County Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Osceola County Florida | 1 | $ 358,000 | $ 358,000 | $ 82,000 |
| Pasco County Florida | 1 | $ 184,000 | $ 184,000 | $ 51,000 |
| Bibb County Georgia | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Chatham County Georgia | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Clayton County Georgia | 1 | $ 547,000 | $ 547,000 | $ 0 |
| Columbia County Georgia | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 863,000 | $ 863,000 | $ 0 |
| Hall County Georgia | 1 | $ 714,000 | $ 714,000 | $ 0 |
| Kootenai County Idaho | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kendall County Illinois | 1 | $ 87,000 | $ 87,000 | $ 206,000 |
| McHenry County Illinois | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Warren County Illinois | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Will County Illinois | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Henry County Iowa | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Johnson County Kansas | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Hancock County Maine | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Oxford County Maine | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Sagadahoc County Maine | 1 | $ 86,000 | $ 86,000 | $ 93,000 |
| Baltimore City County Maryland | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Carroll County Maryland | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Cecil County Maryland | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Frederick County Maryland | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Howard County Maryland | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Kent County Michigan | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Macomb County Michigan | 1 | $ 17,000 | $ 17,000 | $ 91,000 |
| Hennepin County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Scott County Minnesota | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Camden County Missouri | 1 | $ 617,000 | $ 617,000 | $ 0 |
| Christian County Missouri | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Jackson County Missouri | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Flathead County Montana | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Washoe County Nevada | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Passaic County New Jersey | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Bronx County New York | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Dutchess County New York | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Monroe County New York | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Oneida County New York | 1 | $ 33,000 | $ 33,000 | $ 149,000 |
| Orange County New York | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Otsego County New York | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Putnam County New York | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Rensselaer County New York | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Richmond County New York | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Madison County North Carolina | 1 | $ 14,000 | $ 14,000 | $ 65,000 |
| Nash County North Carolina | 1 | $ 433,000 | $ 433,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Union County North Carolina | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Delaware County Ohio | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
| Hamilton County Ohio | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Lorain County Ohio | 1 | $ 24,000 | $ 24,000 | $ 57,000 |
| Tuscarawas County Ohio | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Wood County Ohio | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Oklahoma County Oklahoma | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 626,000 | $ 626,000 | $ 0 |
| Lane County Oregon | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Cumberland County Pennsylvania | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 801,000 | $ 801,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Edgefield County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Horry County South Carolina | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Brown County Texas | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Ellis County Texas | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Franklin County Texas | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Henderson County Texas | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Jasper County Texas | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Randall County Texas | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Smith County Texas | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Tom Green County Texas | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Wichita County Texas | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Summit County Utah | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Utah County Utah | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Bennington County Vermont | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Essex County Vermont | 1 | $ 19,000 | $ 19,000 | $ 92,000 |
| Rutland County Vermont | 1 | $ 27,000 | $ 27,000 | $ 57,000 |
| Windham County Vermont | 1 | $ 70,000 | $ 70,000 | $ 91,000 |
| Bedford County Virginia | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Campbell County Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gloucester County Virginia | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Hampton County Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| James City County Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Northampton County Virginia | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Prince William County Virginia | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 504,000 | $ 504,000 | $ 0 |
| York County Virginia | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Kitsap County Washington | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Yakima County Washington | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Natrona County 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.
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with aggregated HMDA statistics today.