Sage Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Sage Bank 2012 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 | 5,858 |
| Total Mortgage Loan Application Amount | $1,527,763,000 |
| Average Mortgage Loan Application Amount | $248,000 |
| Highest Mortgage Loan Application Amount | $2,071,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $2,142,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,312 | $ 376,928,000 | $ 287,000 | $ 112,000 |
| Essex County Massachusetts | 933 | $ 235,616,000 | $ 252,000 | $ 93,000 |
| Norfolk County Massachusetts | 518 | $ 158,836,000 | $ 306,000 | $ 119,000 |
| Suffolk County Massachusetts | 473 | $ 136,255,000 | $ 288,000 | $ 101,000 |
| Worcester County Massachusetts | 314 | $ 69,948,000 | $ 222,000 | $ 95,000 |
| Rockingham County New Hampshire | 289 | $ 70,559,000 | $ 244,000 | $ 110,000 |
| Plymouth County Massachusetts | 252 | $ 67,832,000 | $ 269,000 | $ 99,000 |
| Hillsborough County New Hampshire | 239 | $ 52,576,000 | $ 219,000 | $ 95,000 |
| Bristol County Massachusetts | 188 | $ 48,942,000 | $ 260,000 | $ 102,000 |
| Hampden County Massachusetts | 159 | $ 26,614,000 | $ 167,000 | $ 55,000 |
| Barnstable County Massachusetts | 107 | $ 28,836,000 | $ 269,000 | $ 140,000 |
| Providence County Rhode Island | 99 | $ 18,005,000 | $ 181,000 | $ 77,000 |
| Hartford County Connecticut | 77 | $ 15,821,000 | $ 205,000 | $ 75,000 |
| New Haven County Connecticut | 34 | $ 7,130,000 | $ 209,000 | $ 72,000 |
| Cheshire County New Hampshire | 29 | $ 5,194,000 | $ 179,000 | $ 75,000 |
| Bergen County New Jersey | 25 | $ 6,597,000 | $ 263,000 | $ 93,000 |
| York County Maine | 24 | $ 5,599,000 | $ 233,000 | $ 149,000 |
| Kent County Rhode Island | 24 | $ 5,423,000 | $ 225,000 | $ 121,000 |
| Merrimack County New Hampshire | 21 | $ 4,287,000 | $ 204,000 | $ 86,000 |
| Strafford County New Hampshire | 20 | $ 4,223,000 | $ 211,000 | $ 87,000 |
| Grafton County New Hampshire | 19 | $ 4,066,000 | $ 214,000 | $ 242,000 |
| Fairfield County Connecticut | 18 | $ 7,021,000 | $ 390,000 | $ 133,000 |
| Hampshire County Massachusetts | 18 | $ 3,840,000 | $ 213,000 | $ 84,000 |
| Carroll County New Hampshire | 18 | $ 3,901,000 | $ 216,000 | $ 174,000 |
| Cumberland County Maine | 17 | $ 4,540,000 | $ 267,000 | $ 138,000 |
| Belknap County New Hampshire | 17 | $ 4,024,000 | $ 236,000 | $ 146,000 |
| Fairfax County Virginia | 17 | $ 6,457,000 | $ 379,000 | $ 146,000 |
| Queens County New York | 15 | $ 5,782,000 | $ 385,000 | $ 99,000 |
| Burlington County New Jersey | 14 | $ 3,769,000 | $ 269,000 | $ 97,000 |
| Middlesex County New Jersey | 13 | $ 4,358,000 | $ 335,000 | $ 113,000 |
| Litchfield County Connecticut | 12 | $ 2,765,000 | $ 230,000 | $ 51,000 |
| Newport County Rhode Island | 12 | $ 3,054,000 | $ 254,000 | $ 110,000 |
| Washington County Rhode Island | 12 | $ 3,577,000 | $ 298,000 | $ 171,000 |
| Miami-Dade County Florida | 11 | $ 3,888,000 | $ 353,000 | $ 127,000 |
| Ocean County New Jersey | 11 | $ 2,401,000 | $ 218,000 | $ 91,000 |
| Nassau County New York | 11 | $ 4,374,000 | $ 397,000 | $ 109,000 |
| Suffolk County New York | 11 | $ 3,395,000 | $ 308,000 | $ 113,000 |
| Wake County North Carolina | 11 | $ 2,409,000 | $ 219,000 | $ 57,000 |
| Middlesex County Connecticut | 10 | $ 2,551,000 | $ 255,000 | $ 67,000 |
| Dukes County Massachusetts | 10 | $ 3,323,000 | $ 332,000 | $ 108,000 |
| Kings County New York | 10 | $ 3,263,000 | $ 326,000 | $ 108,000 |
| Shelby County Tennessee | 10 | $ 1,443,000 | $ 144,000 | $ 78,000 |
| Somerset County New Jersey | 9 | $ 2,730,000 | $ 303,000 | $ 103,000 |
| Westchester County New York | 9 | $ 3,547,000 | $ 394,000 | $ 157,000 |
| Bristol County Rhode Island | 9 | $ 2,505,000 | $ 278,000 | $ 152,000 |
| Tolland County Connecticut | 8 | $ 2,368,000 | $ 296,000 | $ 103,000 |
| Union County New Jersey | 8 | $ 2,235,000 | $ 279,000 | $ 117,000 |
| Mecklenburg County North Carolina | 7 | $ 1,513,000 | $ 216,000 | $ 42,000 |
| Philadelphia County Pennsylvania | 7 | $ 1,300,000 | $ 185,000 | $ 62,000 |
| Windham County Connecticut | 6 | $ 1,639,000 | $ 273,000 | $ 60,000 |
| Lee County Florida | 6 | $ 1,667,000 | $ 277,000 | $ 312,000 |
| Palm Beach County Florida | 6 | $ 1,227,000 | $ 204,000 | $ 109,000 |
| Seminole County Florida | 6 | $ 821,000 | $ 136,000 | $ 79,000 |
| Coos County New Hampshire | 6 | $ 866,000 | $ 144,000 | $ 67,000 |
| Monmouth County New Jersey | 6 | $ 1,502,000 | $ 250,000 | $ 85,000 |
| Bronx County New York | 6 | $ 1,665,000 | $ 277,000 | $ 71,000 |
| Rockland County New York | 6 | $ 2,072,000 | $ 345,000 | $ 108,000 |
| Collier County Florida | 5 | $ 795,000 | $ 159,000 | $ 103,000 |
| Orange County Florida | 5 | $ 753,000 | $ 150,000 | $ 73,000 |
| Morris County New Jersey | 5 | $ 2,091,000 | $ 418,000 | $ 98,000 |
| Dutchess County New York | 5 | $ 1,272,000 | $ 254,000 | $ 100,000 |
| New York County New York | 5 | $ 2,843,000 | $ 568,000 | $ 158,000 |
| Richmond County New York | 5 | $ 1,867,000 | $ 373,000 | $ 119,000 |
| Saratoga County New York | 5 | $ 808,000 | $ 161,000 | $ 61,000 |
| Johnston County North Carolina | 5 | $ 839,000 | $ 167,000 | $ 57,000 |
| Berks County Pennsylvania | 5 | $ 968,000 | $ 193,000 | $ 98,000 |
| Montgomery County Pennsylvania | 5 | $ 1,507,000 | $ 301,000 | $ 105,000 |
| Loudoun County Virginia | 5 | $ 2,137,000 | $ 427,000 | $ 126,000 |
| New London County Connecticut | 4 | $ 747,000 | $ 186,000 | $ 61,000 |
| Brevard County Florida | 4 | $ 770,000 | $ 192,000 | $ 142,000 |
| Broward County Florida | 4 | $ 669,000 | $ 167,000 | $ 149,000 |
| Duval County Florida | 4 | $ 615,000 | $ 153,000 | $ 51,000 |
| Manatee County Florida | 4 | $ 1,427,000 | $ 356,000 | $ 136,000 |
| Pinellas County Florida | 4 | $ 925,000 | $ 231,000 | $ 91,000 |
| Volusia County Florida | 4 | $ 711,000 | $ 177,000 | $ 146,000 |
| Penobscot County Maine | 4 | $ 1,033,000 | $ 258,000 | $ 72,000 |
| Atlantic County New Jersey | 4 | $ 1,109,000 | $ 277,000 | $ 172,000 |
| Passaic County New Jersey | 4 | $ 1,034,000 | $ 258,000 | $ 57,000 |
| Erie County New York | 4 | $ 375,000 | $ 93,000 | $ 55,000 |
| Oneida County New York | 4 | $ 489,000 | $ 122,000 | $ 37,000 |
| Onondaga County New York | 4 | $ 489,000 | $ 122,000 | $ 41,000 |
| Allegheny County Pennsylvania | 4 | $ 535,000 | $ 133,000 | $ 49,000 |
| Bucks County Pennsylvania | 4 | $ 916,000 | $ 229,000 | $ 9,000 |
| Chesterfield County Virginia | 4 | $ 921,000 | $ 230,000 | $ 53,000 |
| Prince William County Virginia | 4 | $ 842,000 | $ 210,000 | $ 91,000 |
| Androscoggin County Maine | 3 | $ 360,000 | $ 120,000 | $ 45,000 |
| Lincoln County Maine | 3 | $ 559,000 | $ 186,000 | $ 49,000 |
| Franklin County Massachusetts | 3 | $ 385,000 | $ 128,000 | $ 42,000 |
| Sullivan County New Hampshire | 3 | $ 552,000 | $ 184,000 | $ 93,000 |
| Camden County New Jersey | 3 | $ 586,000 | $ 195,000 | $ 88,000 |
| Sussex County New Jersey | 3 | $ 520,000 | $ 173,000 | $ 40,000 |
| Orange County New York | 3 | $ 586,000 | $ 195,000 | $ 123,000 |
| Putnam County New York | 3 | $ 613,000 | $ 204,000 | $ 78,000 |
| Schenectady County New York | 3 | $ 619,000 | $ 206,000 | $ 80,000 |
| Washington County New York | 3 | $ 404,000 | $ 134,000 | $ 66,000 |
| Carteret County North Carolina | 3 | $ 613,000 | $ 204,000 | $ 89,000 |
| Forsyth County North Carolina | 3 | $ 697,000 | $ 232,000 | $ 54,000 |
| Iredell County North Carolina | 3 | $ 651,000 | $ 217,000 | $ 48,000 |
| Lehigh County Pennsylvania | 3 | $ 828,000 | $ 276,000 | $ 145,000 |
| Northampton County Pennsylvania | 3 | $ 623,000 | $ 207,000 | $ 17,000 |
| Pike County Pennsylvania | 3 | $ 428,000 | $ 142,000 | $ 83,000 |
| Davidson County Tennessee | 3 | $ 603,000 | $ 201,000 | $ 49,000 |
| Alexandria County Virginia | 3 | $ 961,000 | $ 320,000 | $ 150,000 |
| Spotsylvania County Virginia | 3 | $ 647,000 | $ 215,000 | $ 112,000 |
| Warren County Virginia | 3 | $ 741,000 | $ 247,000 | $ 81,000 |
| Flagler County Florida | 2 | $ 238,000 | $ 119,000 | $ 91,000 |
| Hillsborough County Florida | 2 | $ 243,000 | $ 121,000 | $ 88,000 |
| Monroe County Florida | 2 | $ 892,000 | $ 446,000 | $ 201,000 |
| Sarasota County Florida | 2 | $ 360,000 | $ 180,000 | $ 84,000 |
| Sumter County Florida | 2 | $ 330,000 | $ 165,000 | $ 62,000 |
| Kennebec County Maine | 2 | $ 673,000 | $ 336,000 | $ 317,000 |
| Somerset County Maine | 2 | $ 153,000 | $ 76,000 | $ 44,000 |
| Nantucket County Massachusetts | 2 | $ 930,000 | $ 465,000 | $ 118,000 |
| Cape May County New Jersey | 2 | $ 468,000 | $ 234,000 | $ 75,000 |
| Cumberland County New Jersey | 2 | $ 379,000 | $ 189,000 | $ 67,000 |
| Hudson County New Jersey | 2 | $ 460,000 | $ 230,000 | $ 127,000 |
| Delaware County New York | 2 | $ 458,000 | $ 229,000 | $ 95,000 |
| Genesee County New York | 2 | $ 348,000 | $ 174,000 | $ 58,000 |
| Herkimer County New York | 2 | $ 470,000 | $ 235,000 | $ 104,000 |
| Monroe County New York | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Rensselaer County New York | 2 | $ 244,000 | $ 122,000 | $ 65,000 |
| Ulster County New York | 2 | $ 388,000 | $ 194,000 | $ 38,000 |
| Cumberland County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| New Hanover County North Carolina | 2 | $ 435,000 | $ 217,000 | $ 97,000 |
| Randolph County North Carolina | 2 | $ 268,000 | $ 134,000 | $ 50,000 |
| Franklin County Pennsylvania | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Greene County Tennessee | 2 | $ 297,000 | $ 148,000 | $ 49,000 |
| Hamilton County Tennessee | 2 | $ 397,000 | $ 198,000 | $ 36,000 |
| Arlington County Virginia | 2 | $ 386,000 | $ 193,000 | $ 18,000 |
| Chesapeake County Virginia | 2 | $ 556,000 | $ 278,000 | $ 70,000 |
| Newport News County Virginia | 2 | $ 366,000 | $ 183,000 | $ 69,000 |
| Charlotte County Florida | 1 | $ 193,000 | $ 193,000 | $ 87,000 |
| Clay County Florida | 1 | $ 132,000 | $ 132,000 | $ 88,000 |
| Martin County Florida | 1 | $ 782,000 | $ 782,000 | $ 0 |
| Osceola County Florida | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Polk County Florida | 1 | $ 112,000 | $ 112,000 | $ 137,000 |
| St. Johns County Florida | 1 | $ 186,000 | $ 186,000 | $ 39,000 |
| St. Lucie County Florida | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Franklin County Maine | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Oxford County Maine | 1 | $ 272,000 | $ 272,000 | $ 1,379,000 |
| Sagadahoc County Maine | 1 | $ 189,000 | $ 189,000 | $ 194,000 |
| Waldo County Maine | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Berkshire County Massachusetts | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| Rankin County Mississippi | 1 | $ 232,000 | $ 232,000 | $ 91,000 |
| Essex County New Jersey | 1 | $ 237,000 | $ 237,000 | $ 81,000 |
| Gloucester County New Jersey | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 362,000 | $ 362,000 | $ 91,000 |
| Warren County New Jersey | 1 | $ 359,000 | $ 359,000 | $ 172,000 |
| Albany County New York | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| Chemung County New York | 1 | $ 178,000 | $ 178,000 | $ 37,000 |
| Columbia County New York | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Essex County New York | 1 | $ 177,000 | $ 177,000 | $ 88,000 |
| Jefferson County New York | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Niagara County New York | 1 | $ 67,000 | $ 67,000 | $ 39,000 |
| Schoharie County New York | 1 | $ 169,000 | $ 169,000 | $ 75,000 |
| Steuben County New York | 1 | $ 347,000 | $ 347,000 | $ 140,000 |
| Warren County New York | 1 | $ 256,000 | $ 256,000 | $ 133,000 |
| Brunswick County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 104,000 |
| Burke County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 100,000 |
| Cabarrus County North Carolina | 1 | $ 141,000 | $ 141,000 | $ 36,000 |
| Chatham County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Craven County North Carolina | 1 | $ 212,000 | $ 212,000 | $ 112,000 |
| Currituck County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 292,000 |
| Davidson County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 53,000 |
| Gaston County North Carolina | 1 | $ 179,000 | $ 179,000 | $ 68,000 |
| Guilford County North Carolina | 1 | $ 276,000 | $ 276,000 | $ 57,000 |
| Haywood County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 55,000 |
| Henderson County North Carolina | 1 | $ 302,000 | $ 302,000 | $ 41,000 |
| Lincoln County North Carolina | 1 | $ 634,000 | $ 634,000 | $ 240,000 |
| Macon County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Madison County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 105,000 |
| Moore County North Carolina | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Pamlico County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Rowan County North Carolina | 1 | $ 217,000 | $ 217,000 | $ 96,000 |
| Stokes County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 69,000 |
| Transylvania County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Union County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 75,000 |
| Watauga County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Wilson County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 47,000 |
| Beaver County Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Centre County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 68,000 |
| Chester County Pennsylvania | 1 | $ 177,000 | $ 177,000 | $ 106,000 |
| Delaware County Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Erie County Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 92,000 |
| Luzerne County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 69,000 |
| Monroe County Pennsylvania | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Tioga County Pennsylvania | 1 | $ 101,000 | $ 101,000 | $ 73,000 |
| Warren County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 92,000 |
| Westmoreland County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 92,000 |
| York County Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Claiborne County Tennessee | 1 | $ 300,000 | $ 300,000 | $ 60,000 |
| Decatur County Tennessee | 1 | $ 249,000 | $ 249,000 | $ 70,000 |
| Knox County Tennessee | 1 | $ 276,000 | $ 276,000 | $ 130,000 |
| McMinn County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| Montgomery County Tennessee | 1 | $ 290,000 | $ 290,000 | $ 86,000 |
| Wilson County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 85,000 |
| Bedford County Virginia | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Caroline County Virginia | 1 | $ 292,000 | $ 292,000 | $ 48,000 |
| Essex County Virginia | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Falls Church County Virginia | 1 | $ 530,000 | $ 530,000 | $ 114,000 |
| Floyd County Virginia | 1 | $ 147,000 | $ 147,000 | $ 61,000 |
| Gloucester County Virginia | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Henrico County Virginia | 1 | $ 159,000 | $ 159,000 | $ 29,000 |
| Isle of Wight County Virginia | 1 | $ 310,000 | $ 310,000 | $ 73,000 |
| New Kent County Virginia | 1 | $ 102,000 | $ 102,000 | $ 19,000 |
| Northumberland County Virginia | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Page County Virginia | 1 | $ 190,000 | $ 190,000 | $ 64,000 |
| Pittsylvania County Virginia | 1 | $ 179,000 | $ 179,000 | $ 46,000 |
| Portsmouth County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Prince George County Virginia | 1 | $ 197,000 | $ 197,000 | $ 54,000 |
| Smyth County Virginia | 1 | $ 360,000 | $ 360,000 | $ 237,000 |
| Virginia Beach County Virginia | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Washington County Virginia | 1 | $ 92,000 | $ 92,000 | $ 27,000 |
| York County Virginia | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
Mortgage Loan Application Detail Totals for Sage Bank in 2012
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 | 4,091 | $1,100,639,000 | $269,000 | $2,071,000 | $107,000 | $2,142,000 |
| Home Purchase | 1,682 | $407,249,000 | $242,000 | $1,780,000 | $93,000 | $1,132,000 |
| Home Improvement | 85 | $19,875,000 | $233,000 | $619,000 | $88,000 | $382,000 |
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 | 4,616 | $1,213,025,000 | $262,000 | $1,395,000 | $108,000 | $2,142,000 |
| Hispanic | 433 | $95,898,000 | $221,000 | $705,000 | $68,000 | $350,000 |
| Not Provided | 345 | $93,535,000 | $271,000 | $782,000 | $106,000 | $376,000 |
| Asian | 216 | $58,533,000 | $270,000 | $900,000 | $101,000 | $532,000 |
| Black or African American | 185 | $43,008,000 | $232,000 | $948,000 | $68,000 | $270,000 |
| Not applicable | 36 | $17,043,000 | $473,000 | $2,071,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $4,446,000 | $261,000 | $387,000 | $111,000 | $292,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,275,000 | $227,000 | $340,000 | $58,000 | $159,000 |
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) | 4,259 | $1,138,572,000 | $267,000 | $2,071,000 | $116,000 | $2,142,000 |
| FHA-insured (Federal Housing Administration) | 1,480 | $361,812,000 | $244,000 | $727,000 | $66,000 | $621,000 |
| VA-guaranteed (Veterans Administration) | 96 | $23,138,000 | $241,000 | $634,000 | $59,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $4,241,000 | $184,000 | $338,000 | $57,000 | $105,000 |
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 | 3,753 | $993,445,000 | $264,000 | $2,071,000 | $105,000 | $2,142,000 |
| File Closed For Incompleteness | 870 | $217,986,000 | $250,000 | $1,395,000 | $99,000 | $800,000 |
| Application Denied By Financial Institution | 725 | $182,857,000 | $252,000 | $2,060,000 | $92,000 | $935,000 |
| Application Withdrawn By Applicant | 435 | $114,689,000 | $263,000 | $996,000 | $106,000 | $600,000 |
| Application Approved But Not Accepted | 75 | $18,786,000 | $250,000 | $664,000 | $100,000 | $336,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $1,486,000 | $212,000 | $452,000 | $97,000 | $218,000 |
| Collateral | 6 | $1,692,000 | $282,000 | $641,000 | $98,000 | $180,000 |
| Credit History | 3 | $617,000 | $205,000 | $306,000 | $87,000 | $164,000 |
| Other | 2 | $524,000 | $262,000 | $387,000 | $157,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $417,000 | $417,000 | $417,000 | $87,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sage Bank's 2012 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.
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