Bankesb Mortgage Lending & HMDA Data, 2022
In 2022, Bankesb of Easthampton, MA reported 748 mortgage applications totaling $259.7 million, up 12% from 2021. The average application was for $347,165, and applicants reported an average income of $139,247. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Springfield, MA (423), Boston, MA (87) and Providence-Warwick, RI-MA (72) (applications in parentheses).
| Mortgage Company & Address | Bankesb 36 Main Street Easthampton, MA 01027 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 748 |
| Total Mortgage Loan Application Amount | $259,680,000 |
| Average Mortgage Loan Application Amount | $347,165 |
| Highest Mortgage Loan Application Amount | $19,915,000 |
| Average Applicant Income | $139,247 |
| Highest Applicant Income | $5,358,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankesb filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MA | 423 | $ 105,965,000 | $ 250,508 | $ 105,000 |
| Boston, MA | 87 | $ 41,395,000 | $ 475,804 | $ 187,000 |
| Providence-Warwick, RI-MA | 72 | $ 26,580,000 | $ 369,166 | $ 138,638 |
| Worcester, MA-CT | 58 | $ 36,180,000 | $ 623,793 | $ 126,293 |
| Cambridge-Newton-Framingham, MA | 52 | $ 24,680,000 | $ 474,615 | $ 164,000 |
| Hartford-West Hartford-East Hartford, CT | 23 | $ 11,505,000 | $ 500,217 | $ 146,000 |
| Outside any metro area | 8 | $ 3,170,000 | $ 396,250 | $ 520,625 |
| Barnstable Town, MA | 7 | $ 3,715,000 | $ 530,714 | $ 888,000 |
| Manchester-Nashua, NH | 4 | $ 1,230,000 | $ 307,500 | $ 101,000 |
| Pittsfield, MA | 4 | $ 1,720,000 | $ 430,000 | $ 130,000 |
| Rockingham County-Strafford County, NH | 3 | $ 415,000 | $ 138,333 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 580,000 | $ 290,000 | $ 409,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Jacksonville, FL | 1 | $ 375,000 | $ 375,000 | $ 143,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 655,000 | $ 655,000 | $ 846,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 335,000 | $ 335,000 | $ 273,000 |
| Portland-South Portland, ME | 1 | $ 1,005,000 | $ 1,005,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Bankesb in 2022
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 Purchase | 437 | $171,665,000 | $392,000 | $7,515,000 | $148,000 | $5,358,000 |
| Refinancing | 96 | $25,700,000 | $267,000 | $4,885,000 | $144,000 | $573,000 |
| Cash-out Refinancing | 94 | $25,290,000 | $269,000 | $1,005,000 | $120,000 | $1,193,000 |
| Other Purpose | 88 | $12,000,000 | $136,000 | $655,000 | $124,000 | $1,171,000 |
| Home Improvement | 33 | $25,025,000 | $758,000 | $19,915,000 | $105,000 | $264,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 537 | $149,665,000 | $278,000 | $1,365,000 | $143,000 | $5,358,000 |
| Not Provided | 65 | $19,695,000 | $303,000 | $1,005,000 | $130,000 | $573,000 |
| Hispanic | 37 | $9,475,000 | $256,000 | $655,000 | $110,000 | $846,000 |
| Asian | 36 | $14,010,000 | $389,000 | $745,000 | $140,000 | $324,000 |
| Black or African American | 36 | $13,700,000 | $380,000 | $1,485,000 | $123,000 | $512,000 |
| Not applicable | 27 | $48,485,000 | $1,795,000 | $19,915,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $1,615,000 | $323,000 | $555,000 | $115,000 | $251,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 730 | $253,750,000 | $347,000 | $19,915,000 | $141,000 | $5,358,000 |
| FHA-insured (Federal Housing Administration) | 15 | $5,105,000 | $340,000 | $475,000 | $101,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 2 | $640,000 | $320,000 | $345,000 | $71,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $32,000 | $32,000 |
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 | 514 | $172,900,000 | $336,000 | $7,515,000 | $142,000 | $1,193,000 |
| Application Withdrawn By Applicant | 115 | $51,925,000 | $451,000 | $19,915,000 | $173,000 | $5,358,000 |
| Application Denied By Financial Institution | 74 | $18,020,000 | $243,000 | $1,265,000 | $85,000 | $375,000 |
| File Closed For Incompleteness | 31 | $8,665,000 | $279,000 | $1,005,000 | $112,000 | $264,000 |
| Application Approved But Not Accepted | 14 | $8,170,000 | $583,000 | $4,885,000 | $119,000 | $327,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 674 | $241,660,000 | $358,000 | $19,915,000 | $146,000 | $5,358,000 |
| Debt-To-Income Ratio | 34 | $8,480,000 | $249,000 | $1,265,000 | $71,000 | $375,000 |
| Credit History | 21 | $3,125,000 | $148,000 | $435,000 | $94,000 | $198,000 |
| Collateral | 12 | $4,490,000 | $374,000 | $715,000 | $127,000 | $296,000 |
| Employment History | 2 | $770,000 | $385,000 | $505,000 | $33,000 | $66,000 |
| Mortgage Insurance Denied | 2 | $400,000 | $200,000 | $245,000 | $69,000 | $76,000 |
| Other | 2 | $270,000 | $135,000 | $225,000 | $87,000 | $152,000 |
| Unverifiable Information | 1 | $485,000 | $485,000 | $485,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankesb's 2022 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 Bankesb'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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