First Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Federal Savings Bank 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 | First Federal Savings Bank 33 Sullivan Drive Fall River, MA 02721 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 9,601 |
| Total Mortgage Loan Application Amount | $1,339,771,000 |
| Average Mortgage Loan Application Amount | $180,222 |
| Highest Mortgage Loan Application Amount | $1,990,000 |
| Average Applicant Income | $108,777 |
| Highest Applicant Income | $3,732,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Federal Savings Bank. 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 First Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Federal Savings Bank'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 First Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Savings Bank, 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 First Federal Savings Bank'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 |
|---|---|---|---|---|
| Bristol County Massachusetts | 3,104 | $ 371,820,000 | $ 119,000 | $ 66,000 |
| Providence County Rhode Island | 976 | $ 121,075,000 | $ 124,000 | $ 62,000 |
| Worcester County Massachusetts | 936 | $ 126,012,000 | $ 134,000 | $ 75,000 |
| Washington County Rhode Island | 419 | $ 69,805,000 | $ 166,000 | $ 100,000 |
| Plymouth County Massachusetts | 409 | $ 57,573,000 | $ 140,000 | $ 76,000 |
| Kent County Rhode Island | 392 | $ 50,343,000 | $ 128,000 | $ 101,000 |
| Newport County Rhode Island | 389 | $ 72,898,000 | $ 187,000 | $ 179,000 |
| Middlesex County Massachusetts | 363 | $ 63,377,000 | $ 174,000 | $ 133,000 |
| Barnstable County Massachusetts | 362 | $ 57,518,000 | $ 158,000 | $ 95,000 |
| Norfolk County Massachusetts | 355 | $ 61,439,000 | $ 173,000 | $ 97,000 |
| Hampden County Massachusetts | 347 | $ 37,339,000 | $ 107,000 | $ 53,000 |
| Bristol County Rhode Island | 268 | $ 40,149,000 | $ 149,000 | $ 90,000 |
| Hartford County Connecticut | 218 | $ 32,038,000 | $ 146,000 | $ 107,000 |
| Dukes County Massachusetts | 184 | $ 30,225,000 | $ 164,000 | $ 89,000 |
| New London County Connecticut | 168 | $ 22,718,000 | $ 135,000 | $ 89,000 |
| Essex County Massachusetts | 88 | $ 14,865,000 | $ 168,000 | $ 115,000 |
| Suffolk County Massachusetts | 82 | $ 17,528,000 | $ 213,000 | $ 92,000 |
| New Haven County Connecticut | 77 | $ 10,680,000 | $ 138,000 | $ 85,000 |
| Fairfield County Connecticut | 75 | $ 14,026,000 | $ 187,000 | $ 111,000 |
| Windham County Connecticut | 73 | $ 9,236,000 | $ 126,000 | $ 63,000 |
| Nantucket County Massachusetts | 43 | $ 16,121,000 | $ 374,000 | $ 369,000 |
| Middlesex County Connecticut | 40 | $ 6,952,000 | $ 173,000 | $ 87,000 |
| Tolland County Connecticut | 32 | $ 4,756,000 | $ 148,000 | $ 92,000 |
| Litchfield County Connecticut | 27 | $ 3,536,000 | $ 130,000 | $ 83,000 |
| Hampshire County Massachusetts | 26 | $ 3,008,000 | $ 115,000 | $ 74,000 |
| Rockingham County New Hampshire | 24 | $ 4,619,000 | $ 192,000 | $ 102,000 |
| Hillsborough County New Hampshire | 17 | $ 3,137,000 | $ 184,000 | $ 108,000 |
| Carroll County New Hampshire | 12 | $ 1,863,000 | $ 155,000 | $ 138,000 |
| York County Maine | 8 | $ 2,189,000 | $ 273,000 | $ 114,000 |
| Berkshire County Massachusetts | 6 | $ 630,000 | $ 105,000 | $ 55,000 |
| Franklin County Massachusetts | 6 | $ 619,000 | $ 103,000 | $ 105,000 |
| Cumberland County Maine | 5 | $ 781,000 | $ 156,000 | $ 108,000 |
| Belknap County New Hampshire | 5 | $ 587,000 | $ 117,000 | $ 102,000 |
| Grafton County New Hampshire | 5 | $ 433,000 | $ 86,000 | $ 154,000 |
| Palm Beach County Florida | 4 | $ 395,000 | $ 98,000 | $ 148,000 |
| Miami-Dade County Florida | 3 | $ 417,000 | $ 139,000 | $ 72,000 |
| Cheshire County New Hampshire | 3 | $ 520,000 | $ 173,000 | $ 141,000 |
| Merrimack County New Hampshire | 3 | $ 405,000 | $ 135,000 | $ 73,000 |
| Windham County Vermont | 3 | $ 297,000 | $ 99,000 | $ 100,000 |
| Collier County Florida | 2 | $ 597,000 | $ 298,000 | $ 171,000 |
| Escambia County Florida | 2 | $ 208,000 | $ 104,000 | $ 44,000 |
| St. Lucie County Florida | 2 | $ 175,000 | $ 87,000 | $ 43,000 |
| Oxford County Maine | 2 | $ 335,000 | $ 167,000 | $ 111,000 |
| Montgomery County Maryland | 2 | $ 629,000 | $ 314,000 | $ 155,000 |
| Coos County New Hampshire | 2 | $ 141,000 | $ 70,000 | $ 60,000 |
| Strafford County New Hampshire | 2 | $ 314,000 | $ 157,000 | $ 126,000 |
| Rockland County New York | 2 | $ 301,000 | $ 150,000 | $ 232,000 |
| Chittenden County Vermont | 2 | $ 317,000 | $ 158,000 | $ 74,000 |
| Washington County Vermont | 2 | $ 352,000 | $ 176,000 | $ 150,000 |
| Windsor County Vermont | 2 | $ 401,000 | $ 200,000 | $ 152,000 |
| Broward County Florida | 1 | $ 165,000 | $ 165,000 | $ 174,000 |
| Lee County Florida | 1 | $ 119,000 | $ 119,000 | $ 138,000 |
| Manatee County Florida | 1 | $ 106,000 | $ 106,000 | $ 85,000 |
| Martin County Florida | 1 | $ 517,000 | $ 517,000 | $ 1,000,000 |
| Osceola County Florida | 1 | $ 99,000 | $ 99,000 | $ 68,000 |
| Cobb County Georgia | 1 | $ 169,000 | $ 169,000 | $ 71,000 |
| Androscoggin County Maine | 1 | $ 93,000 | $ 93,000 | $ 39,000 |
| Hancock County Maine | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Kennebec County Maine | 1 | $ 56,000 | $ 56,000 | $ 57,000 |
| Lincoln County Maine | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Sullivan County New Hampshire | 1 | $ 148,000 | $ 148,000 | $ 116,000 |
| Essex County New Jersey | 1 | $ 323,000 | $ 323,000 | $ 96,000 |
| Monmouth County New Jersey | 1 | $ 290,000 | $ 290,000 | $ 178,000 |
| Putnam County New York | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Suffolk County New York | 1 | $ 600,000 | $ 600,000 | $ 321,000 |
| Adams County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 82,000 |
| Montgomery County Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 82,000 |
| Essex County Vermont | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Lamoille County Vermont | 1 | $ 66,000 | $ 66,000 | $ 50,000 |
| Orange County Vermont | 1 | $ 159,000 | $ 159,000 | $ 101,000 |
| Rutland County Vermont | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Arlington County Virginia | 1 | $ 323,000 | $ 323,000 | $ 230,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank 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) | 7,531 | $1,036,261,000 | $206,818 | $1,990,000 | $144,727 | $1,120,000 |
| Home Purchase (one-to-four family) | 1,165 | $248,822,000 | $186,000 | $1,340,000 | $97,100 | $3,732,000 |
| Home Improvement (one-to-four family) | 888 | $50,183,000 | $54,750 | $750,000 | $93,500 | $1,120,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 17 | $4,505,000 | $256,000 | $596,000 | $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 | 9,072 | $1,281,426,000 | $196,307 | $1,990,000 | $130,307 | $3,732,000 |
| Information not provided by applicant in mail or telephone application | 195 | $14,153,000 | $134,500 | $750,000 | $91,500 | $1,120,000 |
| Hispanic | 125 | $14,716,000 | $116,333 | $343,000 | $56,333 | $156,000 |
| Asian or Pacific Islander | 93 | $13,151,000 | $145,666 | $560,000 | $90,666 | $624,000 |
| Black | 72 | $10,399,000 | $143,333 | $486,000 | $68,666 | $271,000 |
| Other | 32 | $3,549,000 | $182,333 | $338,000 | $145,000 | $310,000 |
| American Indian or Alaskan Native | 12 | $2,377,000 | $207,333 | $735,000 | $280,666 | $2,000,000 |
| Not applicable | 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) | 9,561 | $1,333,320,000 | $197,230 | $1,990,000 | $126,692 | $3,732,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,565,000 | $142,000 | $238,000 | $54,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 6 | $970,000 | $161,000 | $230,000 | $46,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $916,000 | $458,000 | $640,000 | $496,500 | $920,000 |
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 | 8,621 | $1,182,777,000 | $184,615 | $1,990,000 | $131,846 | $3,732,000 |
| Application Approved But Not Accepted | 512 | $86,447,000 | $159,666 | $1,260,000 | $91,500 | $1,650,000 |
| Application Denied By Financial Institution | 249 | $43,586,000 | $140,333 | $1,000,000 | $60,500 | $1,120,000 |
| Application Withdrawn By Applicant | 147 | $16,070,000 | $96,750 | $1,260,000 | $86,500 | $942,000 |
| File Closed For Incompleteness | 69 | $9,984,000 | $222,250 | $749,000 | $102,250 | $385,000 |
| Loan Purchased By The Institution | 3 | $907,000 | $284,500 | $575,000 | $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 | 110 | $20,816,000 | $130,833 | $697,000 | $40,000 | $179,000 |
| Credit History | 75 | $10,423,000 | $187,000 | $350,000 | $91,750 | $238,000 |
| Collateral | 36 | $4,992,000 | $104,000 | $528,000 | $71,750 | $1,120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,575,000 | $253,000 | $640,000 | $95,333 | $164,000 |
| Other | 9 | $1,984,000 | $247,500 | $485,000 | $141,000 | $670,000 |
| Unverifiable Information | 4 | $1,002,000 | $250,000 | $500,000 | $88,000 | $110,000 |
| Employment History | 4 | $1,511,000 | $377,500 | $1,000,000 | $76,000 | $200,000 |
| Mortgage Insurance Denied | 2 | $283,000 | $141,500 | $218,000 | $39,500 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank'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 First Federal Savings Bank'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.