Leader Bank NA Mortgage Lending & HMDA Data, 2022
In 2022, Leader Bank NA of Arlington, MA reported 6,290 mortgage applications totaling $3.4 billion, down 57% from 2021. The average application was for $539,712, and applicants reported an average income of $216,244. 82% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (2,626), Boston, MA (1,903) and Worcester, MA-CT (369) (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 | 6,290 |
| Total Mortgage Loan Application Amount | $3,394,790,000 |
| Average Mortgage Loan Application Amount | $539,712 |
| Highest Mortgage Loan Application Amount | $40,205,000 |
| Average Applicant Income | $216,244 |
| Highest Applicant Income | $4,336,000 |
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Act (HMDA) records Leader Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,626 | $ 1,558,880,000 | $ 593,632 | $ 221,000 |
| Boston, MA | 1,903 | $ 1,076,485,000 | $ 565,677 | $ 218,000 |
| Worcester, MA-CT | 369 | $ 153,035,000 | $ 414,728 | $ 179,243 |
| Providence-Warwick, RI-MA | 310 | $ 131,420,000 | $ 423,935 | $ 177,235 |
| Hartford-West Hartford-East Hartford, CT | 201 | $ 62,565,000 | $ 311,268 | $ 165,000 |
| Outside any metro area | 154 | $ 64,380,000 | $ 418,051 | $ 284,727 |
| Barnstable Town, MA | 132 | $ 67,910,000 | $ 514,469 | $ 301,000 |
| Rockingham County-Strafford County, NH | 62 | $ 24,390,000 | $ 393,387 | $ 198,000 |
| Manchester-Nashua, NH | 58 | $ 20,810,000 | $ 358,793 | $ 166,000 |
| Springfield, MA | 38 | $ 10,600,000 | $ 278,947 | $ 148,000 |
| Portland-South Portland, ME | 35 | $ 13,955,000 | $ 398,714 | $ 210,000 |
| New Haven-Milford, CT | 19 | $ 6,315,000 | $ 332,368 | $ 272,000 |
| Bridgeport-Stamford-Norwalk, CT | 17 | $ 9,115,000 | $ 536,176 | $ 281,000 |
| Norwich-New London, CT | 16 | $ 4,440,000 | $ 277,500 | $ 165,000 |
| New York-Jersey City-White Plains, NY-NJ | 12 | $ 6,320,000 | $ 526,666 | $ 179,500 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 4,640,000 | $ 386,666 | $ 164,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 10,470,000 | $ 872,500 | $ 284,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 3,015,000 | $ 335,000 | $ 178,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 5,370,000 | $ 671,250 | $ 232,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 3,050,000 | $ 381,250 | $ 348,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,830,000 | $ 353,750 | $ 172,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 2,455,000 | $ 350,714 | $ 176,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 3,515,000 | $ 502,142 | $ 278,285 |
| Baltimore-Columbia-Towson, MD | 6 | $ 2,480,000 | $ 413,333 | $ 184,000 |
| Charleston-North Charleston, SC | 6 | $ 3,490,000 | $ 581,666 | $ 164,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 940,000 | $ 156,666 | $ 514,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 3,410,000 | $ 568,333 | $ 276,000 |
| Philadelphia, PA | 6 | $ 4,240,000 | $ 706,666 | $ 321,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,675,000 | $ 335,000 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,685,000 | $ 337,000 | $ 149,000 |
| Pittsfield, MA | 5 | $ 1,295,000 | $ 259,000 | $ 290,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,280,000 | $ 320,000 | $ 445,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,310,000 | $ 327,500 | $ 156,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 3,140,000 | $ 785,000 | $ 228,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,940,000 | $ 485,000 | $ 359,000 |
| Newark, NJ-PA | 4 | $ 2,360,000 | $ 590,000 | $ 413,000 |
| Port St. Lucie, FL | 4 | $ 920,000 | $ 230,000 | $ 101,000 |
| Raleigh, NC | 4 | $ 1,300,000 | $ 325,000 | $ 161,000 |
| Burlington-South Burlington, VT | 3 | $ 1,075,000 | $ 358,333 | $ 122,000 |
| Columbia, SC | 3 | $ 655,000 | $ 218,333 | $ 235,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,815,000 | $ 605,000 | $ 485,000 |
| Jacksonville, FL | 3 | $ 405,000 | $ 135,000 | $ 158,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,715,000 | $ 571,666 | $ 126,000 |
| Nassau County-Suffolk County, NY | 3 | $ 1,275,000 | $ 425,000 | $ 199,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,035,000 | $ 345,000 | $ 397,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 285,000 | $ 95,000 | $ 113,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 675,000 | $ 225,000 | $ 210,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 470,000 | $ 235,000 | $ 138,000 |
| Charlottesville, VA | 2 | $ 710,000 | $ 355,000 | $ 191,000 |
| Fort Worth-Arlington, TX | 2 | $ 240,000 | $ 120,000 | $ 130,000 |
| Hinesville, GA | 2 | $ 250,000 | $ 125,000 | $ 145,000 |
| Lewiston-Auburn, ME | 2 | $ 440,000 | $ 220,000 | $ 120,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 830,000 | $ 415,000 | $ 189,000 |
| Medford, OR | 2 | $ 680,000 | $ 340,000 | $ 82,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 800,000 | $ 400,000 | $ 180,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 950,000 | $ 475,000 | $ 361,000 |
| Pittsburgh, PA | 2 | $ 1,160,000 | $ 580,000 | $ 359,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 840,000 | $ 420,000 | $ 139,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 540,000 | $ 270,000 | $ 93,000 |
| Syracuse, NY | 2 | $ 410,000 | $ 205,000 | $ 160,000 |
| Trenton, NJ | 2 | $ 1,150,000 | $ 575,000 | $ 150,000 |
| Akron, OH | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Asheville, NC | 1 | $ 745,000 | $ 745,000 | $ 275,000 |
| Austin-Round Rock, TX | 1 | $ 595,000 | $ 595,000 | $ 150,000 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Camden, NJ | 1 | $ 495,000 | $ 495,000 | $ 158,000 |
| Chicago-Naperville, IL | 1 | $ 155,000 | $ 155,000 | $ 128,000 |
| Cincinnati, OH-KY-IN | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Cleveland-Elyria, OH | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Colorado Springs, CO | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 545,000 | $ 545,000 | $ 145,000 |
| Dallas-Plano-Irving, TX | 1 | $ 645,000 | $ 645,000 | $ 165,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Elgin, IL | 1 | $ 375,000 | $ 375,000 | $ 194,000 |
| Fort Collins, CO | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
| Gainesville, FL | 1 | $ 155,000 | $ 155,000 | $ 172,000 |
| Gettysburg, PA | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Jacksonville, NC | 1 | $ 325,000 | $ 325,000 | $ 317,000 |
| Knoxville, TN | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Memphis, TN-MS-AR | 1 | $ 675,000 | $ 675,000 | $ 186,000 |
| New York-Newark, NY | 1 | $ 715,000 | $ 715,000 | $ 145,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 225,000 | $ 225,000 | $ 317,000 |
| Ocala, FL | 1 | $ 395,000 | $ 395,000 | $ 125,000 |
| Punta Gorda, FL | 1 | $ 605,000 | $ 605,000 | $ 350,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 4,505,000 | $ 4,505,000 | $ 967,000 |
| Santa Rosa, CA | 1 | $ 735,000 | $ 735,000 | $ 280,000 |
| Sebastian-Vero Beach, FL | 1 | $ 345,000 | $ 345,000 | $ 149,000 |
| St. Louis, MO-IL | 1 | $ 325,000 | $ 325,000 | $ 157,000 |
| The Villages, FL | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Utica-Rome, NY | 1 | $ 1,485,000 | $ 1,485,000 | $ 521,000 |
| Wilmington, NC | 1 | $ 445,000 | $ 445,000 | $ 220,000 |
| Winston-Salem, NC | 1 | $ 615,000 | $ 615,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Leader Bank NA 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 | 4,592 | $2,675,450,000 | $582,000 | $30,605,000 | $217,000 | $4,336,000 |
| Cash-out Refinancing | 594 | $388,070,000 | $653,000 | $40,205,000 | $202,000 | $2,400,000 |
| Other Purpose | 573 | $112,865,000 | $196,000 | $2,505,000 | $235,000 | $1,401,000 |
| Refinancing | 425 | $196,995,000 | $463,000 | $7,025,000 | $206,000 | $1,807,000 |
| Home Improvement | 106 | $21,410,000 | $201,000 | $1,245,000 | $203,000 | $545,000 |
| 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 | 3,761 | $1,926,875,000 | $512,000 | $4,505,000 | $215,000 | $4,336,000 |
| Asian | 1,076 | $586,240,000 | $544,000 | $3,445,000 | $212,000 | $1,850,000 |
| Not Provided | 1,050 | $469,590,000 | $447,000 | $2,635,000 | $238,000 | $2,201,000 |
| Hispanic | 158 | $75,090,000 | $475,000 | $1,285,000 | $185,000 | $848,000 |
| Not applicable | 126 | $283,700,000 | $2,251,000 | $40,205,000 | $0 | $0 |
| Black or African American | 110 | $50,330,000 | $457,000 | $955,000 | $147,000 | $375,000 |
| American Indian or Alaskan Native | 5 | $2,205,000 | $441,000 | $675,000 | $132,000 | $280,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $760,000 | $190,000 | $285,000 | $145,000 | $256,000 |
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) | 6,161 | $3,329,805,000 | $540,000 | $40,205,000 | $218,000 | $4,336,000 |
| FHA-insured (Federal Housing Administration) | 87 | $43,795,000 | $503,000 | $1,145,000 | $129,000 | $297,000 |
| VA-guaranteed (Veterans Administration) | 42 | $21,190,000 | $504,000 | $845,000 | $137,000 | $267,000 |
| 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 | 5,161 | $2,796,475,000 | $541,000 | $40,205,000 | $216,000 | $4,336,000 |
| Application Withdrawn By Applicant | 739 | $393,935,000 | $533,000 | $2,855,000 | $224,000 | $2,201,000 |
| Application Approved But Not Accepted | 238 | $145,030,000 | $609,000 | $3,005,000 | $220,000 | $847,000 |
| Application Denied By Financial Institution | 114 | $40,820,000 | $358,000 | $1,905,000 | $138,000 | $626,000 |
| File Closed For Incompleteness | 38 | $18,530,000 | $487,000 | $1,105,000 | $242,000 | $1,807,000 |
| 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 | 6,176 | $3,353,970,000 | $543,000 | $40,205,000 | $218,000 | $4,336,000 |
| Debt-To-Income Ratio | 48 | $17,340,000 | $361,000 | $935,000 | $99,000 | $259,000 |
| Collateral | 36 | $12,550,000 | $348,000 | $1,905,000 | $173,000 | $626,000 |
| Other | 11 | $3,595,000 | $326,000 | $565,000 | $145,000 | $289,000 |
| Credit History | 10 | $3,540,000 | $354,000 | $735,000 | $146,000 | $265,000 |
| Unverifiable Information | 4 | $1,210,000 | $302,000 | $425,000 | $199,000 | $450,000 |
| Employment History | 4 | $2,300,000 | $575,000 | $715,000 | $166,000 | $259,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $285,000 | $285,000 | $285,000 | $147,000 | $147,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Leader Bank NA'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 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.
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