Sage Bank Mortgage Lending & HMDA Data, 2013
In 2013, Sage Bank of Lowell, MA reported 4,835 mortgage applications totaling $1.3 billion, down 17% from 2012. The average application was for $259,862, and applicants reported an average income of $101,002. 64% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (1,106), Boston-Quincy, MA (970) and Peabody, MA (782) (applications in parentheses).
| 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 | 4,835 |
| Total Mortgage Loan Application Amount | $1,256,433,000 |
| Average Mortgage Loan Application Amount | $259,862 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $101,002 |
| Highest Applicant Income | $1,541,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sage Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex, Massachusetts | 1,106 | $ 321,833,000 | $ 290,988 | $ 108,000 |
| Essex, Massachusetts | 782 | $ 201,897,000 | $ 258,180 | $ 90,000 |
| Suffolk, Massachusetts | 430 | $ 124,482,000 | $ 289,493 | $ 96,000 |
| Norfolk, Massachusetts | 335 | $ 102,774,000 | $ 306,788 | $ 113,000 |
| Worcester, Massachusetts | 269 | $ 58,878,000 | $ 218,877 | $ 87,000 |
| Hampden, Massachusetts | 206 | $ 36,250,000 | $ 175,970 | $ 70,000 |
| Plymouth, Massachusetts | 205 | $ 56,107,000 | $ 273,692 | $ 107,000 |
| Rockingham, New Hampshire | 180 | $ 40,881,000 | $ 227,116 | $ 96,000 |
| Bristol, Massachusetts | 151 | $ 36,268,000 | $ 240,185 | $ 89,000 |
| Hillsborough, New Hampshire | 148 | $ 32,514,000 | $ 219,689 | $ 93,000 |
| Barnstable, Massachusetts | 81 | $ 22,051,000 | $ 272,234 | $ 139,000 |
| Providence, Rhode Island | 79 | $ 15,131,000 | $ 191,531 | $ 85,000 |
| Cheshire, New Hampshire | 39 | $ 6,194,000 | $ 158,820 | $ 60,000 |
| Hartford, Connecticut | 36 | $ 7,156,000 | $ 198,777 | $ 80,000 |
| New London, Connecticut | 28 | $ 5,376,000 | $ 192,000 | $ 84,000 |
| New Haven, Connecticut | 27 | $ 5,329,000 | $ 197,370 | $ 99,000 |
| Cumberland, Maine | 26 | $ 6,075,000 | $ 233,653 | $ 149,000 |
| Hampshire, Massachusetts | 25 | $ 5,755,000 | $ 230,200 | $ 82,000 |
| Miami-Dade, Florida | 23 | $ 7,541,000 | $ 327,869 | $ 202,000 |
| York, Maine | 23 | $ 6,397,000 | $ 278,130 | $ 185,000 |
| Belknap, New Hampshire | 21 | $ 5,300,000 | $ 252,380 | $ 179,000 |
| Merrimack, New Hampshire | 20 | $ 4,337,000 | $ 216,850 | $ 98,000 |
| Fairfield, Connecticut | 16 | $ 5,117,000 | $ 319,812 | $ 103,000 |
| Kent, Rhode Island | 16 | $ 3,469,000 | $ 216,812 | $ 73,000 |
| Palm Beach, Florida | 15 | $ 3,569,000 | $ 237,933 | $ 124,000 |
| Carroll, New Hampshire | 14 | $ 3,247,000 | $ 231,928 | $ 184,000 |
| Strafford, New Hampshire | 14 | $ 2,550,000 | $ 182,142 | $ 88,000 |
| Newport, Rhode Island | 14 | $ 3,617,000 | $ 258,357 | $ 118,000 |
| Hudson, New Jersey | 12 | $ 2,997,000 | $ 249,750 | $ 97,000 |
| Tolland, Connecticut | 11 | $ 2,196,000 | $ 199,636 | $ 77,000 |
| Broward, Florida | 11 | $ 1,847,000 | $ 167,909 | $ 98,000 |
| Dukes, Massachusetts | 11 | $ 4,298,000 | $ 390,727 | $ 160,000 |
| Nantucket, Massachusetts | 11 | $ 5,607,000 | $ 509,727 | $ 236,000 |
| Kings, New York | 11 | $ 4,261,000 | $ 387,363 | $ 90,000 |
| Suffolk, New York | 11 | $ 3,704,000 | $ 336,727 | $ 109,000 |
| Westchester, New York | 11 | $ 3,594,000 | $ 326,727 | $ 115,000 |
| Washington, Rhode Island | 11 | $ 2,919,000 | $ 265,363 | $ 124,000 |
| Grafton, New Hampshire | 10 | $ 1,290,000 | $ 129,000 | $ 111,000 |
| Hillsborough, Florida | 9 | $ 1,316,000 | $ 146,222 | $ 56,000 |
| Essex, New Jersey | 9 | $ 2,578,000 | $ 286,444 | $ 148,000 |
| Middlesex, New Jersey | 8 | $ 2,680,000 | $ 335,000 | $ 126,000 |
| Shelby, Tennessee | 8 | $ 1,586,000 | $ 198,250 | $ 133,000 |
| Windham, Connecticut | 7 | $ 1,153,000 | $ 164,714 | $ 58,000 |
| Lee, Florida | 7 | $ 1,402,000 | $ 200,285 | $ 142,000 |
| Berkshire, Massachusetts | 7 | $ 1,285,000 | $ 183,571 | $ 77,000 |
| Bergen, New Jersey | 7 | $ 1,782,000 | $ 254,571 | $ 71,000 |
| Monmouth, New Jersey | 7 | $ 2,314,000 | $ 330,571 | $ 235,000 |
| Union, New Jersey | 7 | $ 1,961,000 | $ 280,142 | $ 97,000 |
| Wake, North Carolina | 7 | $ 1,484,000 | $ 212,000 | $ 68,000 |
| Montgomery, Pennsylvania | 7 | $ 1,465,000 | $ 209,285 | $ 67,000 |
| Middlesex, Connecticut | 6 | $ 1,452,000 | $ 242,000 | $ 110,000 |
| Androscoggin, Maine | 6 | $ 749,000 | $ 124,833 | $ 53,000 |
| Oxford, Maine | 6 | $ 809,000 | $ 134,833 | $ 131,000 |
| Penobscot, Maine | 6 | $ 929,000 | $ 154,833 | $ 59,000 |
| Franklin, Massachusetts | 6 | $ 1,136,000 | $ 189,333 | $ 87,000 |
| Ocean, New Jersey | 6 | $ 1,762,000 | $ 293,666 | $ 153,000 |
| Erie, New York | 6 | $ 1,171,000 | $ 195,166 | $ 70,000 |
| Buncombe, North Carolina | 6 | $ 1,473,000 | $ 245,500 | $ 115,000 |
| Mecklenburg, North Carolina | 6 | $ 1,350,000 | $ 225,000 | $ 84,000 |
| Fairfax, Virginia | 6 | $ 2,210,000 | $ 368,333 | $ 119,000 |
| Charlotte, Florida | 5 | $ 1,587,000 | $ 317,400 | $ 323,000 |
| Morris, New Jersey | 5 | $ 1,800,000 | $ 360,000 | $ 75,000 |
| Bronx, New York | 5 | $ 1,864,000 | $ 372,800 | $ 124,000 |
| Nassau, New York | 5 | $ 2,205,000 | $ 441,000 | $ 69,000 |
| Orange, New York | 5 | $ 1,156,000 | $ 231,200 | $ 127,000 |
| Queens, New York | 5 | $ 2,022,000 | $ 404,400 | $ 106,000 |
| Bristol, Rhode Island | 5 | $ 1,418,000 | $ 283,600 | $ 188,000 |
| Stafford, Virginia | 5 | $ 1,873,000 | $ 374,600 | $ 141,000 |
| Litchfield, Connecticut | 4 | $ 960,000 | $ 240,000 | $ 111,000 |
| Kennebec, Maine | 4 | $ 429,000 | $ 107,250 | $ 81,000 |
| Sagadahoc, Maine | 4 | $ 751,000 | $ 187,750 | $ 134,000 |
| Passaic, New Jersey | 4 | $ 1,175,000 | $ 293,750 | $ 112,000 |
| Gaston, North Carolina | 4 | $ 642,000 | $ 160,500 | $ 40,000 |
| Hamilton, Tennessee | 4 | $ 428,000 | $ 107,000 | $ 162,000 |
| Collier, Florida | 3 | $ 535,000 | $ 178,333 | $ 58,000 |
| Manatee, Florida | 3 | $ 825,000 | $ 275,000 | $ 89,000 |
| Osceola, Florida | 3 | $ 288,000 | $ 96,000 | $ 116,000 |
| Pinellas, Florida | 3 | $ 399,000 | $ 133,000 | $ 114,000 |
| Franklin, Maine | 3 | $ 771,000 | $ 257,000 | $ 112,000 |
| Atlantic, New Jersey | 3 | $ 901,000 | $ 300,333 | $ 111,000 |
| Burlington, New Jersey | 3 | $ 676,000 | $ 225,333 | $ 88,000 |
| Gloucester, New Jersey | 3 | $ 615,000 | $ 205,000 | $ 50,000 |
| Mercer, New Jersey | 3 | $ 2,076,000 | $ 692,000 | $ 449,000 |
| Somerset, New Jersey | 3 | $ 916,000 | $ 305,333 | $ 105,000 |
| Richmond, New York | 3 | $ 1,208,000 | $ 402,666 | $ 139,000 |
| Rockland, New York | 3 | $ 922,000 | $ 307,333 | $ 152,000 |
| Craven, North Carolina | 3 | $ 596,000 | $ 198,666 | $ 70,000 |
| Iredell, North Carolina | 3 | $ 1,332,000 | $ 444,000 | $ 140,000 |
| New Hanover, North Carolina | 3 | $ 557,000 | $ 185,666 | $ 102,000 |
| Delaware, Pennsylvania | 3 | $ 692,000 | $ 230,666 | $ 94,000 |
| Philadelphia, Pennsylvania | 3 | $ 621,000 | $ 207,000 | $ 69,000 |
| Loudoun, Virginia | 3 | $ 1,357,000 | $ 452,333 | $ 160,000 |
| Virginia Beach, Virginia | 3 | $ 571,000 | $ 190,333 | $ 79,000 |
| Sumter, Florida | 2 | $ 314,000 | $ 157,000 | $ 74,000 |
| Washington, Maine | 2 | $ 109,000 | $ 54,500 | $ 26,000 |
| Coos, New Hampshire | 2 | $ 234,000 | $ 117,000 | $ 98,000 |
| Sullivan, New Hampshire | 2 | $ 323,000 | $ 161,500 | $ 77,000 |
| Camden, New Jersey | 2 | $ 301,000 | $ 150,500 | $ 29,000 |
| Albany, New York | 2 | $ 288,000 | $ 144,000 | $ 30,000 |
| Columbia, New York | 2 | $ 321,000 | $ 160,500 | $ 0 |
| Monroe, New York | 2 | $ 397,000 | $ 198,500 | $ 39,000 |
| Schoharie, New York | 2 | $ 555,000 | $ 277,500 | $ 205,000 |
| Sullivan, New York | 2 | $ 226,000 | $ 113,000 | $ 88,000 |
| Harnett, North Carolina | 2 | $ 216,000 | $ 108,000 | $ 48,000 |
| Nash, North Carolina | 2 | $ 250,000 | $ 125,000 | $ 82,000 |
| Onslow, North Carolina | 2 | $ 354,000 | $ 177,000 | $ 85,000 |
| Transylvania, North Carolina | 2 | $ 268,000 | $ 134,000 | $ 90,000 |
| Union, North Carolina | 2 | $ 501,000 | $ 250,500 | $ 76,000 |
| Chester, Pennsylvania | 2 | $ 635,000 | $ 317,500 | $ 390,000 |
| Cumberland, Pennsylvania | 2 | $ 223,000 | $ 111,500 | $ 53,000 |
| Lancaster, Pennsylvania | 2 | $ 412,000 | $ 206,000 | $ 60,000 |
| Monroe, Pennsylvania | 2 | $ 516,000 | $ 258,000 | $ 57,000 |
| Northampton, Pennsylvania | 2 | $ 431,000 | $ 215,500 | $ 126,000 |
| Westmoreland, Pennsylvania | 2 | $ 252,000 | $ 126,000 | $ 80,000 |
| Davidson, Tennessee | 2 | $ 455,000 | $ 227,500 | $ 104,000 |
| Fentress, Tennessee | 2 | $ 484,000 | $ 242,000 | $ 57,000 |
| Sumner, Tennessee | 2 | $ 227,000 | $ 113,500 | $ 48,000 |
| Botetourt, Virginia | 2 | $ 303,000 | $ 151,500 | $ 66,000 |
| Chesterfield, Virginia | 2 | $ 477,000 | $ 238,500 | $ 62,000 |
| Frederick, Virginia | 2 | $ 285,000 | $ 142,500 | $ 30,000 |
| Henrico, Virginia | 2 | $ 240,000 | $ 120,000 | $ 234,000 |
| Orange, Virginia | 2 | $ 397,000 | $ 198,500 | $ 50,000 |
| Bay, Florida | 1 | $ 216,000 | $ 216,000 | $ 97,000 |
| Clay, Florida | 1 | $ 95,000 | $ 95,000 | $ 110,000 |
| Columbia, Florida | 1 | $ 160,000 | $ 160,000 | $ 78,000 |
| Duval, Florida | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Escambia, Florida | 1 | $ 300,000 | $ 300,000 | $ 109,000 |
| Flagler, Florida | 1 | $ 128,000 | $ 128,000 | $ 109,000 |
| Indian River, Florida | 1 | $ 267,000 | $ 267,000 | $ 121,000 |
| Leon, Florida | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Martin, Florida | 1 | $ 400,000 | $ 400,000 | $ 344,000 |
| Orange, Florida | 1 | $ 393,000 | $ 393,000 | $ 192,000 |
| Pasco, Florida | 1 | $ 166,000 | $ 166,000 | $ 74,000 |
| Sarasota, Florida | 1 | $ 328,000 | $ 328,000 | $ 98,000 |
| St. Lucie, Florida | 1 | $ 144,000 | $ 144,000 | $ 143,000 |
| Aroostook, Maine | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Hancock, Maine | 1 | $ 159,000 | $ 159,000 | $ 44,000 |
| Knox, Maine | 1 | $ 209,000 | $ 209,000 | $ 68,000 |
| Lincoln, Maine | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 110,000 |
| Dutchess, New York | 1 | $ 198,000 | $ 198,000 | $ 61,000 |
| Onondaga, New York | 1 | $ 259,000 | $ 259,000 | $ 158,000 |
| Putnam, New York | 1 | $ 130,000 | $ 130,000 | $ 94,000 |
| Saratoga, New York | 1 | $ 142,000 | $ 142,000 | $ 68,000 |
| Schenectady, New York | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Seneca, New York | 1 | $ 134,000 | $ 134,000 | $ 27,000 |
| Tioga, New York | 1 | $ 122,000 | $ 122,000 | $ 88,000 |
| Ulster, New York | 1 | $ 198,000 | $ 198,000 | $ 55,000 |
| Brunswick, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Cabarrus, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Dare, North Carolina | 1 | $ 394,000 | $ 394,000 | $ 166,000 |
| Davidson, North Carolina | 1 | $ 380,000 | $ 380,000 | $ 86,000 |
| Davie, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 108,000 |
| Durham, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 72,000 |
| Forsyth, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 42,000 |
| Haywood, North Carolina | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 249,000 | $ 249,000 | $ 67,000 |
| Macon, North Carolina | 1 | $ 229,000 | $ 229,000 | $ 47,000 |
| Montgomery, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 172,000 |
| Orange, North Carolina | 1 | $ 377,000 | $ 377,000 | $ 115,000 |
| Pitt, North Carolina | 1 | $ 230,000 | $ 230,000 | $ 84,000 |
| Watauga, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 144,000 |
| Wayne, North Carolina | 1 | $ 320,000 | $ 320,000 | $ 76,000 |
| Allegheny, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| Bucks, Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 227,000 |
| Centre, Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 43,000 |
| Dauphin, Pennsylvania | 1 | $ 343,000 | $ 343,000 | $ 215,000 |
| Fayette, Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Franklin, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Luzerne, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 131,000 |
| Mercer, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Pike, Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Grainger, Tennessee | 1 | $ 182,000 | $ 182,000 | $ 48,000 |
| Jefferson, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Knox, Tennessee | 1 | $ 174,000 | $ 174,000 | $ 35,000 |
| Marion, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Montgomery, Tennessee | 1 | $ 289,000 | $ 289,000 | $ 87,000 |
| Wilson, Tennessee | 1 | $ 187,000 | $ 187,000 | $ 80,000 |
| Harris, Texas | 1 | $ 417,000 | $ 417,000 | $ 260,000 |
| Albemarle, Virginia | 1 | $ 232,000 | $ 232,000 | $ 83,000 |
| Bedford, Virginia | 1 | $ 413,000 | $ 413,000 | $ 110,000 |
| Chesapeake, Virginia | 1 | $ 240,000 | $ 240,000 | $ 54,000 |
| Essex, Virginia | 1 | $ 173,000 | $ 173,000 | $ 39,000 |
| Greene, Virginia | 1 | $ 238,000 | $ 238,000 | $ 72,000 |
| King William, Virginia | 1 | $ 189,000 | $ 189,000 | $ 42,000 |
| Pittsylvania, Virginia | 1 | $ 219,000 | $ 219,000 | $ 29,000 |
| Prince George, Virginia | 1 | $ 497,000 | $ 497,000 | $ 142,000 |
| Spotsylvania, Virginia | 1 | $ 245,000 | $ 245,000 | $ 225,000 |
| Westmoreland, Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sage Bank in 2013
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 | 2,895 | $760,919,000 | $262,000 | $2,100,000 | $107,000 | $1,541,000 |
| Home Purchase | 1,906 | $485,119,000 | $254,000 | $940,000 | $92,000 | $679,000 |
| Home Improvement | 34 | $10,395,000 | $305,000 | $950,000 | $95,000 | $225,000 |
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 | 3,615 | $945,998,000 | $261,000 | $2,100,000 | $107,000 | $1,541,000 |
| Hispanic | 454 | $106,156,000 | $233,000 | $824,000 | $72,000 | $496,000 |
| Not Provided | 394 | $103,967,000 | $263,000 | $750,000 | $95,000 | $524,000 |
| Asian | 173 | $47,623,000 | $275,000 | $1,950,000 | $106,000 | $975,000 |
| Black or African American | 149 | $35,019,000 | $235,000 | $497,000 | $71,000 | $260,000 |
| Not applicable | 39 | $14,349,000 | $367,000 | $1,765,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,227,000 | $318,000 | $417,000 | $105,000 | $180,000 |
| American Indian or Alaskan Native | 4 | $1,094,000 | $273,000 | $386,000 | $57,000 | $130,000 |
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) | 3,630 | $959,116,000 | $264,000 | $2,100,000 | $112,000 | $1,541,000 |
| FHA-insured (Federal Housing Administration) | 1,067 | $262,889,000 | $246,000 | $619,000 | $67,000 | $494,000 |
| VA-guaranteed (Veterans Administration) | 87 | $24,385,000 | $280,000 | $575,000 | $75,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $10,043,000 | $196,000 | $357,000 | $58,000 | $98,000 |
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 | 3,075 | $806,456,000 | $262,000 | $2,100,000 | $101,000 | $995,000 |
| File Closed For Incompleteness | 977 | $251,931,000 | $257,000 | $1,950,000 | $104,000 | $1,432,000 |
| Application Denied By Financial Institution | 408 | $103,178,000 | $252,000 | $1,500,000 | $90,000 | $1,541,000 |
| Application Withdrawn By Applicant | 307 | $76,344,000 | $248,000 | $829,000 | $99,000 | $608,000 |
| Application Approved But Not Accepted | 68 | $18,524,000 | $272,000 | $532,000 | $106,000 | $361,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sage Bank's 2013 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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