Leader Bank NA Mortgage Lending & HMDA Data, 2021
In 2021, Leader Bank NA of Arlington, MA reported 14,764 mortgage applications totaling $7.1 billion, down 5% from 2020. The average application was for $483,087, and applicants reported an average income of $193,667. 89% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (6,627), Boston, MA (4,881) and Worcester, MA-CT (849) (applications in parentheses).
| Mortgage Company & Address | Leader Bank NA 141 Massachusetts Avenue Arlington, MA 02474 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 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 14,764 |
| Total Mortgage Loan Application Amount | $7,132,300,000 |
| Average Mortgage Loan Application Amount | $483,087 |
| Highest Mortgage Loan Application Amount | $24,005,000 |
| Average Applicant Income | $193,667 |
| Highest Applicant Income | $3,225,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Leader Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cambridge-Newton-Framingham, MA | 6,627 | $ 3,383,225,000 | $ 510,521 | $ 193,000 |
| Boston, MA | 4,881 | $ 2,531,905,000 | $ 518,726 | $ 199,000 |
| Worcester, MA-CT | 849 | $ 310,855,000 | $ 366,142 | $ 159,447 |
| Providence-Warwick, RI-MA | 606 | $ 225,360,000 | $ 371,881 | $ 157,273 |
| Barnstable Town, MA | 369 | $ 147,635,000 | $ 400,094 | $ 250,000 |
| Hartford-West Hartford-East Hartford, CT | 333 | $ 102,915,000 | $ 309,054 | $ 161,000 |
| Outside any metro area | 252 | $ 94,200,000 | $ 373,809 | $ 239,670 |
| Rockingham County-Strafford County, NH | 144 | $ 51,820,000 | $ 359,861 | $ 165,000 |
| Manchester-Nashua, NH | 132 | $ 46,990,000 | $ 355,984 | $ 162,000 |
| Springfield, MA | 77 | $ 20,105,000 | $ 261,103 | $ 117,000 |
| Portland-South Portland, ME | 71 | $ 26,735,000 | $ 376,549 | $ 248,000 |
| Bridgeport-Stamford-Norwalk, CT | 49 | $ 28,595,000 | $ 583,571 | $ 266,000 |
| New Haven-Milford, CT | 31 | $ 9,705,000 | $ 313,064 | $ 160,000 |
| Naples-Immokalee-Marco Island, FL | 23 | $ 9,875,000 | $ 429,347 | $ 382,000 |
| Pittsfield, MA | 19 | $ 6,745,000 | $ 355,000 | $ 259,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 4,650,000 | $ 290,625 | $ 150,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 16 | $ 11,310,000 | $ 706,875 | $ 243,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 14 | $ 4,770,000 | $ 340,714 | $ 198,571 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 8,365,000 | $ 643,461 | $ 302,000 |
| New York-Jersey City-White Plains, NY-NJ | 12 | $ 7,560,000 | $ 630,000 | $ 276,500 |
| New York-Newark, NY | 12 | $ 5,520,000 | $ 460,000 | $ 173,416 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 4,950,000 | $ 412,500 | $ 152,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 3,475,000 | $ 315,909 | $ 104,000 |
| Norwich-New London, CT | 10 | $ 3,390,000 | $ 339,000 | $ 202,000 |
| Burlington-South Burlington, VT | 9 | $ 3,335,000 | $ 370,555 | $ 254,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 4,185,000 | $ 465,000 | $ 316,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,720,000 | $ 340,000 | $ 187,000 |
| Charleston-North Charleston, SC | 7 | $ 2,885,000 | $ 412,142 | $ 252,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 4,890,000 | $ 815,000 | $ 606,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,925,000 | $ 385,000 | $ 669,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,835,000 | $ 367,000 | $ 221,200 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,235,000 | $ 447,000 | $ 373,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 2,030,000 | $ 507,500 | $ 229,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,630,000 | $ 407,500 | $ 200,000 |
| Jacksonville, FL | 4 | $ 1,670,000 | $ 417,500 | $ 173,000 |
| Newark, NJ-PA | 4 | $ 2,000,000 | $ 500,000 | $ 191,000 |
| Philadelphia, PA | 4 | $ 1,360,000 | $ 340,000 | $ 270,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,160,000 | $ 290,000 | $ 142,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 735,000 | $ 245,000 | $ 136,000 |
| Columbia, SC | 3 | $ 695,000 | $ 231,666 | $ 191,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,365,000 | $ 455,000 | $ 1,392,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,655,000 | $ 885,000 | $ 256,000 |
| Nassau County-Suffolk County, NY | 3 | $ 885,000 | $ 295,000 | $ 134,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,505,000 | $ 501,666 | $ 267,000 |
| Trenton, NJ | 3 | $ 1,675,000 | $ 558,333 | $ 208,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 915,000 | $ 305,000 | $ 77,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,450,000 | $ 725,000 | $ 971,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 530,000 | $ 265,000 | $ 99,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 560,000 | $ 280,000 | $ 79,000 |
| Camden, NJ | 2 | $ 680,000 | $ 340,000 | $ 96,000 |
| Chicago-Naperville, IL | 2 | $ 730,000 | $ 365,000 | $ 237,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 690,000 | $ 345,000 | $ 261,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 770,000 | $ 385,000 | $ 358,000 |
| Lakeland-Winter Haven, FL | 2 | $ 570,000 | $ 285,000 | $ 187,000 |
| Lewiston-Auburn, ME | 2 | $ 560,000 | $ 280,000 | $ 101,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,010,000 | $ 505,000 | $ 198,000 |
| Ocean City, NJ | 2 | $ 620,000 | $ 310,000 | $ 440,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,080,000 | $ 540,000 | $ 243,000 |
| Port St. Lucie, FL | 2 | $ 350,000 | $ 175,000 | $ 121,000 |
| Raleigh, NC | 2 | $ 890,000 | $ 445,000 | $ 264,000 |
| Richmond, VA | 2 | $ 740,000 | $ 370,000 | $ 115,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 730,000 | $ 365,000 | $ 156,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 3,680,000 | $ 1,840,000 | $ 557,000 |
| Tallahassee, FL | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,020,000 | $ 510,000 | $ 218,000 |
| Ann Arbor, MI | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Asheville, NC | 1 | $ 225,000 | $ 225,000 | $ 245,000 |
| Bangor, ME | 1 | $ 505,000 | $ 505,000 | $ 306,000 |
| Boulder, CO | 1 | $ 545,000 | $ 545,000 | $ 260,000 |
| Cleveland, TN | 1 | $ 385,000 | $ 385,000 | $ 115,000 |
| Colorado Springs, CO | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 275,000 | $ 275,000 | $ 300,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,045,000 | $ 1,045,000 | $ 650,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Flint, MI | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Gainesville, FL | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 405,000 | $ 405,000 | $ 170,000 |
| Greensboro-High Point, NC | 1 | $ 475,000 | $ 475,000 | $ 144,000 |
| Harrisburg-Carlisle, PA | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 395,000 | $ 395,000 | $ 187,000 |
| Logan, UT-ID | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 475,000 | $ 475,000 | $ 196,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 415,000 | $ 415,000 | $ 192,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 665,000 | $ 665,000 | $ 600,000 |
| Pittsburgh, PA | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 705,000 | $ 705,000 | $ 175,000 |
| Punta Gorda, FL | 1 | $ 255,000 | $ 255,000 | $ 279,000 |
| Rochester, NY | 1 | $ 545,000 | $ 545,000 | $ 500,000 |
| Salisbury, MD-DE | 1 | $ 425,000 | $ 425,000 | $ 219,000 |
| San Diego-Carlsbad, CA | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Savannah, GA | 1 | $ 305,000 | $ 305,000 | $ 157,000 |
| Spartanburg, SC | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| State College, PA | 1 | $ 295,000 | $ 295,000 | $ 245,000 |
| Syracuse, NY | 1 | $ 155,000 | $ 155,000 | $ 180,000 |
| Tacoma-Lakewood, WA | 1 | $ 505,000 | $ 505,000 | $ 170,000 |
| Toledo, OH | 1 | $ 315,000 | $ 315,000 | $ 430,000 |
| Watertown-Fort Drum, NY | 1 | $ 245,000 | $ 245,000 | $ 329,000 |
| Wilmington, DE-MD-NJ | 1 | $ 515,000 | $ 515,000 | $ 100,000 |
| Wilmington, NC | 1 | $ 625,000 | $ 625,000 | $ 261,000 |
| Winchester, VA-WV | 1 | $ 405,000 | $ 405,000 | $ 516,000 |
Mortgage Loan Application Detail Totals for Leader Bank NA in 2021
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 | 6,531 | $3,610,385,000 | $552,000 | $12,325,000 | $195,000 | $2,404,000 |
| Refinancing | 5,725 | $2,381,705,000 | $416,000 | $19,005,000 | $193,000 | $2,098,000 |
| Cash-out Refinancing | 2,085 | $1,053,305,000 | $505,000 | $24,005,000 | $184,000 | $2,309,000 |
| Other Purpose | 294 | $63,070,000 | $214,000 | $1,805,000 | $238,000 | $3,225,000 |
| Home Improvement | 129 | $23,835,000 | $184,000 | $615,000 | $211,000 | $640,000 |
| 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 | 10,117 | $4,606,225,000 | $455,000 | $3,675,000 | $195,000 | $2,133,000 |
| Asian | 2,388 | $1,156,320,000 | $484,000 | $2,285,000 | $188,000 | $3,225,000 |
| Not Provided | 1,598 | $799,720,000 | $500,000 | $6,205,000 | $206,000 | $2,404,000 |
| Hispanic | 274 | $122,500,000 | $447,000 | $1,285,000 | $152,000 | $430,000 |
| Not applicable | 198 | $366,250,000 | $1,849,000 | $24,005,000 | $0 | $0 |
| Black or African American | 179 | $77,515,000 | $433,000 | $1,145,000 | $167,000 | $2,098,000 |
| American Indian or Alaskan Native | 9 | $3,205,000 | $356,000 | $545,000 | $148,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $565,000 | $565,000 | $565,000 | $232,000 | $232,000 |
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) | 14,576 | $7,034,280,000 | $482,000 | $24,005,000 | $195,000 | $3,225,000 |
| VA-guaranteed (Veterans Administration) | 108 | $57,250,000 | $530,000 | $1,275,000 | $158,000 | $585,000 |
| FHA-insured (Federal Housing Administration) | 80 | $40,770,000 | $509,000 | $1,145,000 | $120,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 13,127 | $6,364,465,000 | $484,000 | $24,005,000 | $194,000 | $3,225,000 |
| Application Withdrawn By Applicant | 1,079 | $522,075,000 | $483,000 | $2,855,000 | $200,000 | $1,849,000 |
| Application Denied By Financial Institution | 217 | $98,155,000 | $452,000 | $3,005,000 | $151,000 | $1,170,000 |
| Application Approved But Not Accepted | 211 | $95,915,000 | $454,000 | $2,165,000 | $216,000 | $1,967,000 |
| File Closed For Incompleteness | 130 | $51,690,000 | $397,000 | $1,965,000 | $171,000 | $900,000 |
| 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 | 14,547 | $7,034,145,000 | $483,000 | $24,005,000 | $195,000 | $3,225,000 |
| Debt-To-Income Ratio | 113 | $50,085,000 | $443,000 | $3,005,000 | $113,000 | $486,000 |
| Collateral | 50 | $24,780,000 | $495,000 | $1,655,000 | $182,000 | $505,000 |
| Credit History | 22 | $10,210,000 | $464,000 | $1,405,000 | $202,000 | $742,000 |
| Other | 10 | $3,730,000 | $373,000 | $765,000 | $296,000 | $1,170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,035,000 | $448,000 | $765,000 | $129,000 | $208,000 |
| Unverifiable Information | 7 | $2,855,000 | $407,000 | $515,000 | $165,000 | $492,000 |
| Employment History | 6 | $2,460,000 | $410,000 | $505,000 | $172,000 | $430,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Leader Bank NA's 2021 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 Leader Bank NA'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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