Sage Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Sage Bank 2011 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 | Sage Bank 18 Hurd Street Lowell, MA 01852 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,567 |
| Total Mortgage Loan Application Amount | $405,309,000 |
| Average Mortgage Loan Application Amount | $246,666 |
| Highest Mortgage Loan Application Amount | $1,380,000 |
| Average Applicant Income | $100,333 |
| Highest Applicant Income | $3,030,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Sage 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 Sage Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Sage 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 Sage Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Sage 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 Sage Bank's mortgage activity for 2011.
| 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 | 397 | $ 106,657,000 | $ 268,000 | $ 115,000 |
| Norfolk County Massachusetts | 182 | $ 52,063,000 | $ 286,000 | $ 109,000 |
| Essex County Massachusetts | 161 | $ 41,808,000 | $ 259,000 | $ 121,000 |
| Suffolk County Massachusetts | 156 | $ 45,242,000 | $ 290,000 | $ 85,000 |
| Plymouth County Massachusetts | 111 | $ 27,993,000 | $ 252,000 | $ 99,000 |
| Bristol County Massachusetts | 86 | $ 21,154,000 | $ 245,000 | $ 94,000 |
| Worcester County Massachusetts | 85 | $ 19,046,000 | $ 224,000 | $ 108,000 |
| Rockingham County New Hampshire | 63 | $ 14,761,000 | $ 234,000 | $ 99,000 |
| Hillsborough County New Hampshire | 53 | $ 11,860,000 | $ 223,000 | $ 96,000 |
| Barnstable County Massachusetts | 37 | $ 9,958,000 | $ 269,000 | $ 128,000 |
| Providence County Rhode Island | 31 | $ 4,551,000 | $ 146,000 | $ 63,000 |
| Hartford County Connecticut | 20 | $ 4,972,000 | $ 248,000 | $ 120,000 |
| Hampden County Massachusetts | 17 | $ 2,733,000 | $ 160,000 | $ 83,000 |
| Shelby County Tennessee | 9 | $ 1,237,000 | $ 137,000 | $ 45,000 |
| York County Maine | 7 | $ 1,658,000 | $ 236,000 | $ 139,000 |
| New Haven County Connecticut | 6 | $ 1,266,000 | $ 211,000 | $ 94,000 |
| Cumberland County Maine | 6 | $ 1,732,000 | $ 288,000 | $ 176,000 |
| Middlesex County Connecticut | 4 | $ 893,000 | $ 223,000 | $ 107,000 |
| Orange County Florida | 4 | $ 1,159,000 | $ 289,000 | $ 100,000 |
| Hampshire County Massachusetts | 4 | $ 1,126,000 | $ 281,000 | $ 122,000 |
| Cheshire County New Hampshire | 4 | $ 1,411,000 | $ 352,000 | $ 251,000 |
| Bergen County New Jersey | 4 | $ 1,271,000 | $ 317,000 | $ 142,000 |
| Kings County New York | 4 | $ 1,152,000 | $ 288,000 | $ 62,000 |
| Nassau County New York | 4 | $ 1,459,000 | $ 364,000 | $ 98,000 |
| Queens County New York | 4 | $ 1,434,000 | $ 358,000 | $ 59,000 |
| Kent County Rhode Island | 4 | $ 697,000 | $ 174,000 | $ 76,000 |
| Newport County Rhode Island | 4 | $ 1,283,000 | $ 320,000 | $ 162,000 |
| Washington County Rhode Island | 4 | $ 1,077,000 | $ 269,000 | $ 161,000 |
| Litchfield County Connecticut | 3 | $ 570,000 | $ 190,000 | $ 77,000 |
| Sarasota County Florida | 3 | $ 702,000 | $ 234,000 | $ 143,000 |
| Belknap County New Hampshire | 3 | $ 743,000 | $ 247,000 | $ 168,000 |
| Strafford County New Hampshire | 3 | $ 320,000 | $ 106,000 | $ 75,000 |
| Essex County New Jersey | 3 | $ 1,532,000 | $ 510,000 | $ 188,000 |
| Middlesex County New Jersey | 3 | $ 894,000 | $ 298,000 | $ 133,000 |
| Suffolk County New York | 3 | $ 1,156,000 | $ 385,000 | $ 125,000 |
| Davidson County North Carolina | 3 | $ 670,000 | $ 223,000 | $ 85,000 |
| Philadelphia County Pennsylvania | 3 | $ 748,000 | $ 249,000 | $ 83,000 |
| Bristol County Rhode Island | 3 | $ 1,033,000 | $ 344,000 | $ 132,000 |
| Fairfield County Connecticut | 2 | $ 405,000 | $ 202,000 | $ 69,000 |
| New London County Connecticut | 2 | $ 507,000 | $ 253,000 | $ 93,000 |
| Broward County Florida | 2 | $ 551,000 | $ 275,000 | $ 179,000 |
| Martin County Florida | 2 | $ 585,000 | $ 292,000 | $ 192,000 |
| Miami-Dade County Florida | 2 | $ 214,000 | $ 107,000 | $ 41,000 |
| Palm Beach County Florida | 2 | $ 393,000 | $ 196,000 | $ 122,000 |
| Berkshire County Massachusetts | 2 | $ 437,000 | $ 218,000 | $ 60,000 |
| Merrimack County New Hampshire | 2 | $ 806,000 | $ 403,000 | $ 426,000 |
| Atlantic County New Jersey | 2 | $ 352,000 | $ 176,000 | $ 66,000 |
| Hudson County New Jersey | 2 | $ 529,000 | $ 264,000 | $ 186,000 |
| Morris County New Jersey | 2 | $ 523,000 | $ 261,000 | $ 174,000 |
| Ocean County New Jersey | 2 | $ 528,000 | $ 264,000 | $ 70,000 |
| Union County New Jersey | 2 | $ 558,000 | $ 279,000 | $ 97,000 |
| Putnam County New York | 2 | $ 472,000 | $ 236,000 | $ 106,000 |
| Bucks County Pennsylvania | 2 | $ 521,000 | $ 260,000 | $ 72,000 |
| Montgomery County Pennsylvania | 2 | $ 566,000 | $ 283,000 | $ 61,000 |
| Fairfax County Virginia | 2 | $ 666,000 | $ 333,000 | $ 95,000 |
| Tolland County Connecticut | 1 | $ 210,000 | $ 210,000 | $ 47,000 |
| Collier County Florida | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Lee County Florida | 1 | $ 184,000 | $ 184,000 | $ 126,000 |
| Monroe County Florida | 1 | $ 417,000 | $ 417,000 | $ 656,000 |
| Franklin County Maine | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Oxford County Maine | 1 | $ 110,000 | $ 110,000 | $ 143,000 |
| Dukes County Massachusetts | 1 | $ 416,000 | $ 416,000 | $ 229,000 |
| Carroll County New Hampshire | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Grafton County New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 117,000 |
| Camden County New Jersey | 1 | $ 183,000 | $ 183,000 | $ 194,000 |
| Passaic County New Jersey | 1 | $ 292,000 | $ 292,000 | $ 113,000 |
| Salem County New Jersey | 1 | $ 183,000 | $ 183,000 | $ 68,000 |
| Somerset County New Jersey | 1 | $ 263,000 | $ 263,000 | $ 192,000 |
| Erie County New York | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Greene County New York | 1 | $ 450,000 | $ 450,000 | $ 226,000 |
| Monroe County New York | 1 | $ 222,000 | $ 222,000 | $ 134,000 |
| Orange County New York | 1 | $ 223,000 | $ 223,000 | $ 118,000 |
| Tompkins County New York | 1 | $ 274,000 | $ 274,000 | $ 70,000 |
| Westchester County New York | 1 | $ 230,000 | $ 230,000 | $ 83,000 |
| Craven County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| Union County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 182,000 |
| Wake County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 147,000 |
| Indiana County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Lancaster County Pennsylvania | 1 | $ 163,000 | $ 163,000 | $ 50,000 |
| Northampton County Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| Arlington County Virginia | 1 | $ 456,000 | $ 456,000 | $ 91,000 |
| Augusta County Virginia | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Campbell County Virginia | 1 | $ 173,000 | $ 173,000 | $ 60,000 |
| Henrico County Virginia | 1 | $ 180,000 | $ 180,000 | $ 188,000 |
| James City County Virginia | 1 | $ 227,000 | $ 227,000 | $ 162,000 |
| Mecklenburg County Virginia | 1 | $ 127,000 | $ 127,000 | $ 22,000 |
| Portsmouth County Virginia | 1 | $ 134,000 | $ 134,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Sage Bank in 2011
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 | 949 | $261,464,000 | $275,000 | $1,371,000 | $115,000 | $656,000 |
| Home Purchase | 562 | $130,787,000 | $232,000 | $1,380,000 | $97,000 | $3,030,000 |
| Home Improvement | 56 | $13,058,000 | $233,000 | $525,000 | $89,000 | $333,000 |
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 | 1,257 | $327,450,000 | $260,000 | $978,000 | $114,000 | $3,030,000 |
| Hispanic | 100 | $20,002,000 | $200,000 | $490,000 | $71,000 | $620,000 |
| Not Provided | 66 | $17,411,000 | $263,000 | $460,000 | $110,000 | $330,000 |
| Asian | 59 | $15,507,000 | $262,000 | $640,000 | $106,000 | $333,000 |
| Black or African American | 51 | $12,195,000 | $239,000 | $737,000 | $73,000 | $188,000 |
| Not applicable | 24 | $10,055,000 | $418,000 | $1,380,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $2,139,000 | $267,000 | $414,000 | $140,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $550,000 | $275,000 | $280,000 | $147,000 | $219,000 |
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) | 1,122 | $297,318,000 | $264,000 | $1,380,000 | $120,000 | $3,030,000 |
| FHA-insured (Federal Housing Administration) | 432 | $104,605,000 | $242,000 | $737,000 | $76,000 | $326,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,699,000 | $269,000 | $381,000 | $137,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $687,000 | $229,000 | $256,000 | $71,000 | $95,000 |
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 | 1,108 | $291,950,000 | $263,000 | $1,380,000 | $108,000 | $1,219,000 |
| Application Denied By Financial Institution | 192 | $48,389,000 | $252,000 | $1,371,000 | $85,000 | $384,000 |
| Application Withdrawn By Applicant | 185 | $44,124,000 | $238,000 | $737,000 | $106,000 | $423,000 |
| File Closed For Incompleteness | 52 | $14,240,000 | $273,000 | $459,000 | $148,000 | $620,000 |
| Application Approved But Not Accepted | 30 | $6,606,000 | $220,000 | $368,000 | $192,000 | $3,030,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $11,541,000 | $281,000 | $978,000 | $128,000 | $384,000 |
| Debt-To-Income Ratio | 38 | $10,360,000 | $272,000 | $1,371,000 | $56,000 | $169,000 |
| Credit History | 25 | $5,031,000 | $201,000 | $895,000 | $65,000 | $228,000 |
| Other | 18 | $4,893,000 | $271,000 | $824,000 | $75,000 | $208,000 |
| Unverifiable Information | 8 | $1,556,000 | $194,000 | $456,000 | $64,000 | $140,000 |
| Employment History | 2 | $325,000 | $162,000 | $205,000 | $48,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $155,000 | $70,000 | $113,000 |
| Credit Application Incomplete | 1 | $328,000 | $328,000 | $328,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sage Bank's 2011 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 Sage 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.