Sovereign Bank Mortgage Lending & HMDA Data, 2010
In 2010, Sovereign Bank of Wyomissing, PA reported 32,444 mortgage applications totaling $8.6 billion, down 25% from 2009. The average application was for $263,780, and applicants reported an average income of $118,236. 75% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Philadelphia, PA (3,615), Boston-Quincy, MA (3,525) and Cambridge-Newton-Framingham, MA (3,259) (applications in parentheses).
| Mortgage Company & Address | Sovereign Bank 1130 Berkshire Boulevard Wyomissing, PA 19610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 32,444 |
| Total Mortgage Loan Application Amount | $8,558,095,000 |
| Average Mortgage Loan Application Amount | $263,780 |
| Highest Mortgage Loan Application Amount | $55,000,000 |
| Average Applicant Income | $118,236 |
| Highest Applicant Income | $9,333,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sovereign Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,259 | $ 1,064,118,000 | $ 326,516 | $ 148,000 |
| Norfolk, Massachusetts | 1,578 | $ 530,079,000 | $ 335,918 | $ 163,000 |
| Essex, Massachusetts | 1,457 | $ 347,398,000 | $ 238,433 | $ 111,000 |
| Bristol, Massachusetts | 1,286 | $ 243,725,000 | $ 189,521 | $ 92,000 |
| Philadelphia, Pennsylvania | 1,269 | $ 272,307,000 | $ 214,583 | $ 61,000 |
| Worcester, Massachusetts | 1,140 | $ 247,129,000 | $ 216,779 | $ 118,000 |
| Plymouth, Massachusetts | 1,047 | $ 267,202,000 | $ 255,207 | $ 125,000 |
| Providence, Rhode Island | 970 | $ 168,288,000 | $ 173,492 | $ 91,000 |
| Suffolk, Massachusetts | 900 | $ 273,057,000 | $ 303,396 | $ 133,000 |
| Berks, Pennsylvania | 855 | $ 133,419,000 | $ 156,045 | $ 80,000 |
| Hartford, Connecticut | 806 | $ 171,439,000 | $ 212,703 | $ 101,000 |
| Barnstable, Massachusetts | 793 | $ 199,041,000 | $ 250,997 | $ 148,000 |
| Montgomery, Pennsylvania | 744 | $ 249,850,000 | $ 335,819 | $ 128,000 |
| Monmouth, New Jersey | 728 | $ 179,921,000 | $ 247,144 | $ 128,000 |
| Ocean, New Jersey | 597 | $ 123,508,000 | $ 206,881 | $ 103,000 |
| York, Pennsylvania | 554 | $ 74,157,000 | $ 133,857 | $ 73,000 |
| Bucks, Pennsylvania | 549 | $ 139,613,000 | $ 254,304 | $ 122,000 |
| Delaware, Pennsylvania | 548 | $ 149,611,000 | $ 273,012 | $ 120,000 |
| Lancaster, Pennsylvania | 536 | $ 76,319,000 | $ 142,386 | $ 72,000 |
| Chester, Pennsylvania | 505 | $ 179,954,000 | $ 356,344 | $ 129,000 |
| Middlesex, New Jersey | 430 | $ 99,144,000 | $ 230,567 | $ 103,000 |
| Richmond, New York | 400 | $ 100,522,000 | $ 251,305 | $ 96,000 |
| Lycoming, Pennsylvania | 398 | $ 43,277,000 | $ 108,736 | $ 77,000 |
| Rockingham, New Hampshire | 362 | $ 73,764,000 | $ 203,767 | $ 108,000 |
| Kings, New York | 351 | $ 177,085,000 | $ 504,515 | $ 99,000 |
| Hampden, Massachusetts | 348 | $ 54,441,000 | $ 156,439 | $ 75,000 |
| Cumberland, Pennsylvania | 341 | $ 54,316,000 | $ 159,284 | $ 96,000 |
| Kent, Rhode Island | 325 | $ 60,695,000 | $ 186,753 | $ 101,000 |
| Dauphin, Pennsylvania | 304 | $ 43,465,000 | $ 142,976 | $ 79,000 |
| Fairfield, Connecticut | 302 | $ 142,510,000 | $ 471,887 | $ 249,000 |
| New Haven, Connecticut | 267 | $ 55,055,000 | $ 206,198 | $ 114,000 |
| Hillsborough, New Hampshire | 264 | $ 53,796,000 | $ 203,772 | $ 106,000 |
| New York, New York | 264 | $ 303,466,000 | $ 1,149,492 | $ 175,000 |
| Union, New Jersey | 262 | $ 57,207,000 | $ 218,347 | $ 93,000 |
| Washington, Rhode Island | 248 | $ 62,536,000 | $ 252,161 | $ 127,000 |
| Schuylkill, Pennsylvania | 241 | $ 21,135,000 | $ 87,697 | $ 62,000 |
| Mercer, New Jersey | 237 | $ 70,085,000 | $ 295,717 | $ 114,000 |
| Dukes, Massachusetts | 229 | $ 92,968,000 | $ 405,973 | $ 283,000 |
| Queens, New York | 229 | $ 81,708,000 | $ 356,803 | $ 83,000 |
| Essex, New Jersey | 217 | $ 54,760,000 | $ 252,350 | $ 155,000 |
| Morris, New Jersey | 208 | $ 96,778,000 | $ 465,278 | $ 133,000 |
| Saratoga, New York | 195 | $ 41,276,000 | $ 211,671 | $ 107,000 |
| Lehigh, Pennsylvania | 178 | $ 26,456,000 | $ 148,629 | $ 97,000 |
| Northampton, Pennsylvania | 178 | $ 25,631,000 | $ 143,994 | $ 86,000 |
| Nantucket, Massachusetts | 171 | $ 88,228,000 | $ 515,953 | $ 257,000 |
| Albany, New York | 171 | $ 34,586,000 | $ 202,257 | $ 109,000 |
| Erie, New York | 169 | $ 22,217,000 | $ 131,461 | $ 89,000 |
| Bergen, New Jersey | 156 | $ 73,833,000 | $ 473,288 | $ 123,000 |
| Lebanon, Pennsylvania | 154 | $ 20,778,000 | $ 134,922 | $ 73,000 |
| Hudson, New Jersey | 143 | $ 45,853,000 | $ 320,650 | $ 115,000 |
| Newport, Rhode Island | 127 | $ 35,498,000 | $ 279,511 | $ 147,000 |
| New Castle, Delaware | 125 | $ 42,448,000 | $ 339,584 | $ 131,000 |
| Cape May, New Jersey | 123 | $ 45,248,000 | $ 367,869 | $ 211,000 |
| Somerset, New Jersey | 117 | $ 34,650,000 | $ 296,153 | $ 148,000 |
| Nassau, New York | 109 | $ 35,455,000 | $ 325,275 | $ 112,000 |
| Montgomery, Maryland | 108 | $ 73,287,000 | $ 678,583 | $ 210,000 |
| Bristol, Rhode Island | 103 | $ 27,251,000 | $ 264,572 | $ 133,000 |
| Burlington, New Jersey | 102 | $ 20,202,000 | $ 198,058 | $ 146,000 |
| Camden, New Jersey | 102 | $ 21,107,000 | $ 206,931 | $ 90,000 |
| Vanderburgh, Indiana | 92 | $ 14,184,000 | $ 154,173 | $ 98,000 |
| Centre, Pennsylvania | 87 | $ 13,782,000 | $ 158,413 | $ 80,000 |
| Tolland, Connecticut | 84 | $ 17,726,000 | $ 211,023 | $ 103,000 |
| Sussex, New Jersey | 80 | $ 13,953,000 | $ 174,412 | $ 92,000 |
| Northumberland, Pennsylvania | 80 | $ 7,435,000 | $ 92,937 | $ 63,000 |
| Clinton, Pennsylvania | 77 | $ 7,090,000 | $ 92,077 | $ 98,000 |
| Schenectady, New York | 76 | $ 12,058,000 | $ 158,657 | $ 83,000 |
| Hampshire, Massachusetts | 74 | $ 15,219,000 | $ 205,662 | $ 90,000 |
| Franklin, Pennsylvania | 74 | $ 11,043,000 | $ 149,229 | $ 62,000 |
| Rensselaer, New York | 72 | $ 11,591,000 | $ 160,986 | $ 83,000 |
| Gloucester, New Jersey | 68 | $ 18,434,000 | $ 271,088 | $ 86,000 |
| Litchfield, Connecticut | 67 | $ 13,838,000 | $ 206,537 | $ 100,000 |
| Suffolk, New York | 67 | $ 22,316,000 | $ 333,074 | $ 184,000 |
| Middlesex, Connecticut | 65 | $ 15,107,000 | $ 232,415 | $ 104,000 |
| Atlantic, New Jersey | 63 | $ 17,107,000 | $ 271,539 | $ 194,000 |
| Union, Pennsylvania | 63 | $ 9,175,000 | $ 145,634 | $ 91,000 |
| Baltimore, Maryland | 58 | $ 63,627,000 | $ 1,097,017 | $ 166,000 |
| Passaic, New Jersey | 56 | $ 22,138,000 | $ 395,321 | $ 122,000 |
| St. Louis, Missouri | 51 | $ 9,922,000 | $ 194,549 | $ 121,000 |
| Merrimack, New Hampshire | 51 | $ 9,149,000 | $ 179,392 | $ 102,000 |
| District of Columbia, District Of Columbia | 50 | $ 30,622,000 | $ 612,440 | $ 151,000 |
| Westchester, New York | 49 | $ 24,643,000 | $ 502,918 | $ 214,000 |
| Berkshire, Massachusetts | 46 | $ 11,583,000 | $ 251,804 | $ 238,000 |
| Bronx, New York | 45 | $ 18,992,000 | $ 422,044 | $ 67,000 |
| Harford, Maryland | 44 | $ 9,126,000 | $ 207,409 | $ 99,000 |
| Hunterdon, New Jersey | 44 | $ 11,564,000 | $ 262,818 | $ 133,000 |
| York, Maine | 43 | $ 10,547,000 | $ 245,279 | $ 141,000 |
| Washington, Maryland | 43 | $ 5,526,000 | $ 128,511 | $ 60,000 |
| Belknap, New Hampshire | 39 | $ 10,777,000 | $ 276,333 | $ 236,000 |
| Luzerne, Pennsylvania | 35 | $ 11,299,000 | $ 322,828 | $ 67,000 |
| Cook, Illinois | 34 | $ 17,367,000 | $ 510,794 | $ 111,000 |
| Warren, New York | 34 | $ 5,782,000 | $ 170,058 | $ 125,000 |
| New London, Connecticut | 33 | $ 7,485,000 | $ 226,818 | $ 120,000 |
| Fulton, New York | 33 | $ 3,414,000 | $ 103,454 | $ 62,000 |
| Anne Arundel, Maryland | 32 | $ 14,716,000 | $ 459,875 | $ 191,000 |
| Allegheny, Pennsylvania | 31 | $ 4,488,000 | $ 144,774 | $ 122,000 |
| Windham, Connecticut | 29 | $ 5,614,000 | $ 193,586 | $ 92,000 |
| Monroe, New York | 29 | $ 3,859,000 | $ 133,068 | $ 79,000 |
| Carbon, Pennsylvania | 29 | $ 4,490,000 | $ 154,827 | $ 109,000 |
| Warrick, Indiana | 28 | $ 5,965,000 | $ 213,035 | $ 153,000 |
| Carroll, New Hampshire | 27 | $ 4,783,000 | $ 177,148 | $ 145,000 |
| Perry, Pennsylvania | 27 | $ 3,939,000 | $ 145,888 | $ 69,000 |
| Warren, New Jersey | 26 | $ 8,349,000 | $ 321,115 | $ 130,000 |
| Cumberland, Maine | 25 | $ 7,835,000 | $ 313,400 | $ 298,000 |
| Adams, Pennsylvania | 25 | $ 4,494,000 | $ 179,760 | $ 115,000 |
| Los Angeles, California | 24 | $ 82,092,000 | $ 3,420,500 | $ 50,000 |
| Strafford, New Hampshire | 23 | $ 5,019,000 | $ 218,217 | $ 98,000 |
| Sussex, Delaware | 22 | $ 5,423,000 | $ 246,500 | $ 207,000 |
| Dutchess, New York | 22 | $ 4,691,000 | $ 213,227 | $ 131,000 |
| Monroe, Pennsylvania | 22 | $ 3,460,000 | $ 157,272 | $ 109,000 |
| Montour, Pennsylvania | 22 | $ 3,150,000 | $ 143,181 | $ 90,000 |
| Chittenden, Vermont | 22 | $ 5,990,000 | $ 272,272 | $ 141,000 |
| Johnson, Kansas | 21 | $ 4,315,000 | $ 205,476 | $ 119,000 |
| Frederick, Maryland | 21 | $ 5,054,000 | $ 240,666 | $ 109,000 |
| Baltimore City, Maryland | 20 | $ 22,680,000 | $ 1,134,000 | $ 68,000 |
| Howard, Maryland | 20 | $ 9,213,000 | $ 460,650 | $ 229,000 |
| Grafton, New Hampshire | 17 | $ 4,835,000 | $ 284,411 | $ 215,000 |
| Columbia, Pennsylvania | 15 | $ 1,516,000 | $ 101,066 | $ 84,000 |
| Kent, Delaware | 14 | $ 2,269,000 | $ 162,071 | $ 58,000 |
| Cecil, Maryland | 14 | $ 2,873,000 | $ 205,214 | $ 105,000 |
| Prince George's, Maryland | 14 | $ 28,156,000 | $ 2,011,142 | $ 98,000 |
| Worcester, Maryland | 14 | $ 4,360,000 | $ 311,428 | $ 176,000 |
| Washington, New York | 14 | $ 1,478,000 | $ 105,571 | $ 71,000 |
| Fairfax, Virginia | 14 | $ 7,298,000 | $ 521,285 | $ 166,000 |
| Niagara, New York | 13 | $ 1,651,000 | $ 127,000 | $ 89,000 |
| Orange, New York | 13 | $ 2,566,000 | $ 197,384 | $ 84,000 |
| Ulster, New York | 13 | $ 1,863,000 | $ 143,307 | $ 69,000 |
| Westmoreland, Pennsylvania | 13 | $ 1,761,000 | $ 135,461 | $ 77,000 |
| Cheshire, New Hampshire | 12 | $ 2,943,000 | $ 245,250 | $ 143,000 |
| Sullivan, New Hampshire | 12 | $ 2,421,000 | $ 201,750 | $ 169,000 |
| Montgomery, New York | 12 | $ 984,000 | $ 82,000 | $ 77,000 |
| DuPage, Illinois | 11 | $ 2,619,000 | $ 238,090 | $ 110,000 |
| Greene, New York | 11 | $ 2,017,000 | $ 183,363 | $ 116,000 |
| St. Charles, Missouri | 10 | $ 1,505,000 | $ 150,500 | $ 104,000 |
| Essex, New York | 10 | $ 2,095,000 | $ 209,500 | $ 167,000 |
| Onondaga, New York | 10 | $ 1,318,000 | $ 131,800 | $ 84,000 |
| Wake, North Carolina | 10 | $ 2,571,000 | $ 257,100 | $ 106,000 |
| Jackson, Missouri | 9 | $ 1,662,000 | $ 184,666 | $ 105,000 |
| Rockland, New York | 9 | $ 2,456,000 | $ 272,888 | $ 115,000 |
| Pike, Pennsylvania | 9 | $ 1,276,000 | $ 141,777 | $ 150,000 |
| Sullivan, Pennsylvania | 9 | $ 1,013,000 | $ 112,555 | $ 82,000 |
| Windham, Vermont | 9 | $ 2,271,000 | $ 252,333 | $ 163,000 |
| Will, Illinois | 8 | $ 1,711,000 | $ 213,875 | $ 100,000 |
| Posey, Indiana | 8 | $ 1,185,000 | $ 148,125 | $ 89,000 |
| Carroll, Maryland | 8 | $ 1,694,000 | $ 211,750 | $ 116,000 |
| Talbot, Maryland | 8 | $ 3,159,000 | $ 394,875 | $ 304,000 |
| Franklin, Massachusetts | 8 | $ 1,464,000 | $ 183,000 | $ 110,000 |
| Jefferson, Missouri | 8 | $ 1,203,000 | $ 150,375 | $ 92,000 |
| Columbia, New York | 8 | $ 1,837,000 | $ 229,625 | $ 136,000 |
| Arapahoe, Colorado | 7 | $ 1,661,000 | $ 237,285 | $ 120,000 |
| Kane, Illinois | 7 | $ 1,535,000 | $ 219,285 | $ 104,000 |
| Allen, Indiana | 7 | $ 708,000 | $ 101,142 | $ 63,000 |
| Cumberland, New Jersey | 7 | $ 2,705,000 | $ 386,428 | $ 208,000 |
| Schoharie, New York | 7 | $ 536,000 | $ 76,571 | $ 43,000 |
| Lackawanna, Pennsylvania | 7 | $ 1,075,000 | $ 153,571 | $ 120,000 |
| Douglas, Colorado | 6 | $ 1,157,000 | $ 192,833 | $ 112,000 |
| Jefferson, Colorado | 6 | $ 896,000 | $ 149,333 | $ 110,000 |
| Collier, Florida | 6 | $ 1,300,000 | $ 216,666 | $ 212,000 |
| Palm Beach, Florida | 6 | $ 1,948,000 | $ 324,666 | $ 624,000 |
| Gibson, Indiana | 6 | $ 886,000 | $ 147,666 | $ 88,000 |
| Oakland, Michigan | 6 | $ 1,082,000 | $ 180,333 | $ 79,000 |
| Broome, New York | 6 | $ 478,000 | $ 79,666 | $ 74,000 |
| Cattaraugus, New York | 6 | $ 593,000 | $ 98,833 | $ 65,000 |
| Otsego, New York | 6 | $ 730,000 | $ 121,666 | $ 74,000 |
| Mecklenburg, North Carolina | 6 | $ 1,144,000 | $ 190,666 | $ 76,000 |
| Butler, Pennsylvania | 6 | $ 1,201,000 | $ 200,166 | $ 110,000 |
| Huntingdon, Pennsylvania | 6 | $ 752,000 | $ 125,333 | $ 97,000 |
| Susquehanna, Pennsylvania | 6 | $ 907,000 | $ 151,166 | $ 96,000 |
| Rutland, Vermont | 6 | $ 1,253,000 | $ 208,833 | $ 238,000 |
| Arlington, Virginia | 6 | $ 7,697,000 | $ 1,282,833 | $ 247,000 |
| Denver, Colorado | 5 | $ 1,250,000 | $ 250,000 | $ 114,000 |
| Sarasota, Florida | 5 | $ 973,000 | $ 194,600 | $ 123,000 |
| Lake, Indiana | 5 | $ 1,042,000 | $ 208,400 | $ 87,000 |
| Lincoln, Maine | 5 | $ 1,573,000 | $ 314,600 | $ 149,000 |
| Oxford, Maine | 5 | $ 1,030,000 | $ 206,000 | $ 238,000 |
| Wicomico, Maryland | 5 | $ 1,045,000 | $ 209,000 | $ 64,000 |
| Chautauqua, New York | 5 | $ 422,000 | $ 84,400 | $ 59,000 |
| Clinton, New York | 5 | $ 590,000 | $ 118,000 | $ 78,000 |
| Herkimer, New York | 5 | $ 581,000 | $ 116,200 | $ 235,000 |
| St. Lawrence, New York | 5 | $ 725,000 | $ 145,000 | $ 161,000 |
| Clearfield, Pennsylvania | 5 | $ 475,000 | $ 95,000 | $ 35,000 |
| Potter, Pennsylvania | 5 | $ 436,000 | $ 87,200 | $ 45,000 |
| Washington, Pennsylvania | 5 | $ 798,000 | $ 159,600 | $ 53,000 |
| Wayne, Pennsylvania | 5 | $ 675,000 | $ 135,000 | $ 105,000 |
| Horry, South Carolina | 5 | $ 816,000 | $ 163,200 | $ 147,000 |
| Contra Costa, California | 4 | $ 1,706,000 | $ 426,500 | $ 117,000 |
| Adams, Colorado | 4 | $ 981,000 | $ 245,250 | $ 117,000 |
| Broward, Florida | 4 | $ 1,045,000 | $ 261,250 | $ 459,000 |
| Orange, Florida | 4 | $ 850,000 | $ 212,500 | $ 65,000 |
| Kendall, Illinois | 4 | $ 807,000 | $ 201,750 | $ 48,000 |
| Hamilton, Indiana | 4 | $ 726,000 | $ 181,500 | $ 88,000 |
| Oneida, New York | 4 | $ 562,000 | $ 140,500 | $ 89,000 |
| Wyoming, New York | 4 | $ 369,000 | $ 92,250 | $ 43,000 |
| Fulton, Pennsylvania | 4 | $ 522,000 | $ 130,500 | $ 50,000 |
| Washington, Vermont | 4 | $ 1,557,000 | $ 389,250 | $ 245,000 |
| Alameda, California | 3 | $ 1,023,000 | $ 341,000 | $ 108,000 |
| El Paso, Colorado | 3 | $ 1,292,000 | $ 430,666 | $ 122,000 |
| Lee, Florida | 3 | $ 495,000 | $ 165,000 | $ 244,000 |
| Lake, Illinois | 3 | $ 485,000 | $ 161,666 | $ 70,000 |
| McHenry, Illinois | 3 | $ 492,000 | $ 164,000 | $ 72,000 |
| Aroostook, Maine | 3 | $ 171,000 | $ 57,000 | $ 77,000 |
| Sagadahoc, Maine | 3 | $ 358,000 | $ 119,333 | $ 114,000 |
| Kent, Maryland | 3 | $ 680,000 | $ 226,666 | $ 111,000 |
| Clay, Missouri | 3 | $ 471,000 | $ 157,000 | $ 79,000 |
| Sullivan, New York | 3 | $ 382,000 | $ 127,333 | $ 51,000 |
| Wayne, New York | 3 | $ 399,000 | $ 133,000 | $ 103,000 |
| Blair, Pennsylvania | 3 | $ 144,000 | $ 48,000 | $ 29,000 |
| Mifflin, Pennsylvania | 3 | $ 435,000 | $ 145,000 | $ 88,000 |
| Venango, Pennsylvania | 3 | $ 261,000 | $ 87,000 | $ 41,000 |
| Loudoun, Virginia | 3 | $ 1,927,000 | $ 642,333 | $ 235,000 |
| Spotsylvania, Virginia | 3 | $ 951,000 | $ 317,000 | $ 91,000 |
| Pinal, Arizona | 2 | $ 278,000 | $ 139,000 | $ 142,000 |
| San Mateo, California | 2 | $ 905,000 | $ 452,500 | $ 146,000 |
| Broomfield, Colorado | 2 | $ 538,000 | $ 269,000 | $ 182,000 |
| Larimer, Colorado | 2 | $ 396,000 | $ 198,000 | $ 86,000 |
| Brevard, Florida | 2 | $ 156,000 | $ 78,000 | $ 92,000 |
| Polk, Florida | 2 | $ 289,000 | $ 144,500 | $ 116,000 |
| Volusia, Florida | 2 | $ 417,000 | $ 208,500 | $ 311,000 |
| Monroe, Indiana | 2 | $ 364,000 | $ 182,000 | $ 53,000 |
| Miami, Kansas | 2 | $ 245,000 | $ 122,500 | $ 72,000 |
| Wyandotte, Kansas | 2 | $ 265,000 | $ 132,500 | $ 77,000 |
| Henderson, Kentucky | 2 | $ 512,000 | $ 256,000 | $ 154,000 |
| Androscoggin, Maine | 2 | $ 375,000 | $ 187,500 | $ 151,000 |
| Penobscot, Maine | 2 | $ 351,000 | $ 175,500 | $ 57,000 |
| Somerset, Maine | 2 | $ 248,000 | $ 124,000 | $ 54,000 |
| Washington, Maine | 2 | $ 450,000 | $ 225,000 | $ 73,000 |
| Calvert, Maryland | 2 | $ 315,000 | $ 157,500 | $ 151,000 |
| Queen Anne's, Maryland | 2 | $ 1,075,000 | $ 537,500 | $ 284,000 |
| St. Mary's, Maryland | 2 | $ 413,000 | $ 206,500 | $ 124,000 |
| Wayne, Michigan | 2 | $ 288,000 | $ 144,000 | $ 51,000 |
| Camden, Missouri | 2 | $ 296,000 | $ 148,000 | $ 137,000 |
| Crawford, Missouri | 2 | $ 347,000 | $ 173,500 | $ 131,000 |
| Franklin, Missouri | 2 | $ 244,000 | $ 122,000 | $ 59,000 |
| Greene, Missouri | 2 | $ 178,000 | $ 89,000 | $ 56,000 |
| St. Louis City, Missouri | 2 | $ 487,000 | $ 243,500 | $ 181,000 |
| Coos, New Hampshire | 2 | $ 124,000 | $ 62,000 | $ 108,000 |
| Salem, New Jersey | 2 | $ 285,000 | $ 142,500 | $ 59,000 |
| Franklin, New York | 2 | $ 192,000 | $ 96,000 | $ 69,000 |
| Hamilton, New York | 2 | $ 496,000 | $ 248,000 | $ 138,000 |
| Jefferson, New York | 2 | $ 533,000 | $ 266,500 | $ 104,000 |
| Putnam, New York | 2 | $ 342,000 | $ 171,000 | $ 100,000 |
| Buncombe, North Carolina | 2 | $ 262,000 | $ 131,000 | $ 19,000 |
| Forsyth, North Carolina | 2 | $ 327,000 | $ 163,500 | $ 134,000 |
| Hamilton, Ohio | 2 | $ 331,000 | $ 165,500 | $ 65,000 |
| Beaver, Pennsylvania | 2 | $ 185,000 | $ 92,500 | $ 101,000 |
| Bradford, Pennsylvania | 2 | $ 363,000 | $ 181,500 | $ 125,000 |
| Cambria, Pennsylvania | 2 | $ 212,000 | $ 106,000 | $ 81,000 |
| Lawrence, Pennsylvania | 2 | $ 46,000 | $ 23,000 | $ 261,000 |
| Snyder, Pennsylvania | 2 | $ 149,000 | $ 74,500 | $ 52,000 |
| Beaufort, South Carolina | 2 | $ 827,000 | $ 413,500 | $ 199,000 |
| Shelby, Tennessee | 2 | $ 282,000 | $ 141,000 | $ 99,000 |
| Addison, Vermont | 2 | $ 491,000 | $ 245,500 | $ 113,000 |
| Bennington, Vermont | 2 | $ 507,000 | $ 253,500 | $ 295,000 |
| Lamoille, Vermont | 2 | $ 667,000 | $ 333,500 | $ 260,000 |
| Orleans, Vermont | 2 | $ 249,000 | $ 124,500 | $ 104,000 |
| Windsor, Vermont | 2 | $ 407,000 | $ 203,500 | $ 477,000 |
| Alexandria, Virginia | 2 | $ 711,000 | $ 355,500 | $ 179,000 |
| Chesterfield, Virginia | 2 | $ 683,000 | $ 341,500 | $ 126,000 |
| Prince William, Virginia | 2 | $ 400,000 | $ 200,000 | $ 107,000 |
| Baldwin, Alabama | 1 | $ 322,000 | $ 322,000 | $ 103,000 |
| Madison, Alabama | 1 | $ 214,000 | $ 214,000 | $ 102,000 |
| Montgomery, Alabama | 1 | $ 183,000 | $ 183,000 | $ 83,000 |
| Maricopa, Arizona | 1 | $ 101,000 | $ 101,000 | $ 415,000 |
| Fresno, California | 1 | $ 334,000 | $ 334,000 | $ 200,000 |
| Marin, California | 1 | $ 600,000 | $ 600,000 | $ 143,000 |
| Solano, California | 1 | $ 360,000 | $ 360,000 | $ 168,000 |
| Boulder, Colorado | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Eagle, Colorado | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Grand, Colorado | 1 | $ 168,000 | $ 168,000 | $ 188,000 |
| Summit, Colorado | 1 | $ 183,000 | $ 183,000 | $ 75,000 |
| Charlotte, Florida | 1 | $ 248,000 | $ 248,000 | $ 95,000 |
| Hernando, Florida | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Hillsborough, Florida | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Lake, Florida | 1 | $ 162,000 | $ 162,000 | $ 56,000 |
| Martin, Florida | 1 | $ 1,872,000 | $ 1,872,000 | $ 952,000 |
| Miami-Dade, Florida | 1 | $ 634,000 | $ 634,000 | $ 250,000 |
| Pasco, Florida | 1 | $ 280,000 | $ 280,000 | $ 151,000 |
| Pinellas, Florida | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Santa Rosa, Florida | 1 | $ 398,000 | $ 398,000 | $ 149,000 |
| Walton, Florida | 1 | $ 284,000 | $ 284,000 | $ 325,000 |
| Chatham, Georgia | 1 | $ 194,000 | $ 194,000 | $ 78,000 |
| Cherokee, Georgia | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Cobb, Georgia | 1 | $ 116,000 | $ 116,000 | $ 32,000 |
| Fannin, Georgia | 1 | $ 301,000 | $ 301,000 | $ 120,000 |
| Kankakee, Illinois | 1 | $ 179,000 | $ 179,000 | $ 93,000 |
| Madison, Illinois | 1 | $ 158,000 | $ 158,000 | $ 123,000 |
| St. Clair, Illinois | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| DeKalb, Indiana | 1 | $ 66,000 | $ 66,000 | $ 61,000 |
| Hendricks, Indiana | 1 | $ 129,000 | $ 129,000 | $ 88,000 |
| Huntington, Indiana | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Jasper, Indiana | 1 | $ 66,000 | $ 66,000 | $ 15,000 |
| Johnson, Indiana | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Noble, Indiana | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Owen, Indiana | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Porter, Indiana | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Pulaski, Indiana | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| Putnam, Indiana | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Shelby, Indiana | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Spencer, Indiana | 1 | $ 220,000 | $ 220,000 | $ 58,000 |
| St. Joseph, Indiana | 1 | $ 132,000 | $ 132,000 | $ 92,000 |
| Tippecanoe, Indiana | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Jefferson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Franklin, Maine | 1 | $ 417,000 | $ 417,000 | $ 544,000 |
| Hancock, Maine | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Kennebec, Maine | 1 | $ 187,000 | $ 187,000 | $ 68,000 |
| Knox, Maine | 1 | $ 277,000 | $ 277,000 | $ 163,000 |
| Waldo, Maine | 1 | $ 340,000 | $ 340,000 | $ 254,000 |
| Allegany, Maryland | 1 | $ 164,000 | $ 164,000 | $ 78,000 |
| Charles, Maryland | 1 | $ 154,000 | $ 154,000 | $ 53,000 |
| Dorchester, Maryland | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Garrett, Maryland | 1 | $ 129,000 | $ 129,000 | $ 28,000 |
| Genesee, Michigan | 1 | $ 119,000 | $ 119,000 | $ 57,000 |
| Kalamazoo, Michigan | 1 | $ 155,000 | $ 155,000 | $ 17,000 |
| Polk, Minnesota | 1 | $ 113,000 | $ 113,000 | $ 54,000 |
| Ramsey, Minnesota | 1 | $ 251,000 | $ 251,000 | $ 113,000 |
| Cass, Missouri | 1 | $ 270,000 | $ 270,000 | $ 152,000 |
| Lincoln, Missouri | 1 | $ 387,000 | $ 387,000 | $ 147,000 |
| Madison, Missouri | 1 | $ 119,000 | $ 119,000 | $ 62,000 |
| Morgan, Missouri | 1 | $ 293,000 | $ 293,000 | $ 68,000 |
| Platte, Missouri | 1 | $ 276,000 | $ 276,000 | $ 96,000 |
| Warren, Missouri | 1 | $ 222,000 | $ 222,000 | $ 167,000 |
| Clark, Nevada | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Washoe, Nevada | 1 | $ 417,000 | $ 417,000 | $ 105,000 |
| Allegany, New York | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Cayuga, New York | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Chemung, New York | 1 | $ 80,000 | $ 80,000 | $ 63,000 |
| Cortland, New York | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Delaware, New York | 1 | $ 110,000 | $ 110,000 | $ 208,000 |
| Genesee, New York | 1 | $ 41,000 | $ 41,000 | $ 69,000 |
| Livingston, New York | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Ontario, New York | 1 | $ 161,000 | $ 161,000 | $ 49,000 |
| Oswego, New York | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Steuben, New York | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Tioga, New York | 1 | $ 99,000 | $ 99,000 | $ 74,000 |
| Alamance, North Carolina | 1 | $ 64,000 | $ 64,000 | $ 71,000 |
| Alexander, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 31,000 |
| Brunswick, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Cabarrus, North Carolina | 1 | $ 188,000 | $ 188,000 | $ 200,000 |
| Carteret, North Carolina | 1 | $ 338,000 | $ 338,000 | $ 195,000 |
| Craven, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Dare, North Carolina | 1 | $ 296,000 | $ 296,000 | $ 242,000 |
| Durham, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Guilford, North Carolina | 1 | $ 91,000 | $ 91,000 | $ 110,000 |
| Henderson, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 35,000 |
| Hoke, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| New Hanover, North Carolina | 1 | $ 337,000 | $ 337,000 | $ 157,000 |
| Orange, North Carolina | 1 | $ 133,000 | $ 133,000 | $ 14,000 |
| Rockingham, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 12,000 |
| Transylvania, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 31,000 |
| Union, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 86,000 |
| Washington, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| Butler, Ohio | 1 | $ 307,000 | $ 307,000 | $ 96,000 |
| Carroll, Ohio | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Franklin, Ohio | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Lorain, Ohio | 1 | $ 362,000 | $ 362,000 | $ 104,000 |
| Medina, Ohio | 1 | $ 283,000 | $ 283,000 | $ 353,000 |
| Stark, Ohio | 1 | $ 176,000 | $ 176,000 | $ 105,000 |
| Summit, Ohio | 1 | $ 202,000 | $ 202,000 | $ 73,000 |
| Bedford, Pennsylvania | 1 | $ 257,000 | $ 257,000 | $ 137,000 |
| Elk, Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 102,000 |
| Erie, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 37,000 |
| Indiana, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Jefferson, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 33,000 |
| Juniata, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 89,000 |
| Mercer, Pennsylvania | 1 | $ 32,000 | $ 32,000 | $ 42,000 |
| Charleston, South Carolina | 1 | $ 323,000 | $ 323,000 | $ 517,000 |
| Lancaster, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 225,000 |
| Lexington, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 288,000 |
| McMinn, Tennessee | 1 | $ 166,000 | $ 166,000 | $ 62,000 |
| Utah, Utah | 1 | $ 990,000 | $ 990,000 | $ 236,000 |
| Caledonia, Vermont | 1 | $ 94,000 | $ 94,000 | $ 118,000 |
| Franklin, Vermont | 1 | $ 181,000 | $ 181,000 | $ 71,000 |
| Orange, Vermont | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Charlottesville, Virginia | 1 | $ 575,000 | $ 575,000 | $ 564,000 |
| Chesapeake, Virginia | 1 | $ 185,000 | $ 185,000 | $ 32,000 |
| Franklin, Virginia | 1 | $ 82,000 | $ 82,000 | $ 150,000 |
| Hampton, Virginia | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Henrico, Virginia | 1 | $ 412,000 | $ 412,000 | $ 161,000 |
| James City, Virginia | 1 | $ 535,000 | $ 535,000 | $ 177,000 |
| Lancaster, Virginia | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| Orange, Virginia | 1 | $ 170,000 | $ 170,000 | $ 43,000 |
| Petersburg, Virginia | 1 | $ 111,000 | $ 111,000 | $ 33,000 |
| Rappahannock, Virginia | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Roanoke, Virginia | 1 | $ 89,000 | $ 89,000 | $ 146,000 |
| Suffolk, Virginia | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Virginia Beach, Virginia | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Westmoreland, Virginia | 1 | $ 127,000 | $ 127,000 | $ 53,000 |
| Dodge, Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Sovereign Bank in 2010
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 | 22,314 | $6,232,909,000 | $279,000 | $41,000,000 | $126,000 | $3,663,000 |
| Home Purchase | 8,428 | $2,170,821,000 | $257,000 | $55,000,000 | $105,000 | $9,333,000 |
| Home Improvement | 1,702 | $154,365,000 | $90,000 | $1,000,000 | $82,000 | $1,224,000 |
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 | 25,762 | $6,086,678,000 | $236,000 | $4,225,000 | $125,000 | $4,908,000 |
| Not Provided | 1,821 | $400,227,000 | $219,000 | $2,175,000 | $122,000 | $3,120,000 |
| Hispanic | 1,491 | $259,949,000 | $174,000 | $6,500,000 | $71,000 | $1,782,000 |
| Asian | 1,462 | $407,324,000 | $278,000 | $2,000,000 | $131,000 | $9,333,000 |
| Black or African American | 1,313 | $193,329,000 | $147,000 | $2,000,000 | $65,000 | $1,117,000 |
| Not applicable | 465 | $1,179,327,000 | $2,536,000 | $55,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 65 | $18,296,000 | $281,000 | $999,000 | $126,000 | $1,008,000 |
| Native Hawaiian or Other Pacific Islander | 65 | $12,965,000 | $199,000 | $660,000 | $101,000 | $434,000 |
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) | 29,612 | $8,061,967,000 | $272,000 | $55,000,000 | $124,000 | $9,333,000 |
| FHA-insured (Federal Housing Administration) | 2,705 | $472,866,000 | $174,000 | $934,000 | $60,000 | $558,000 |
| VA-guaranteed (Veterans Administration) | 107 | $20,514,000 | $191,000 | $415,000 | $69,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,748,000 | $137,000 | $224,000 | $49,000 | $77,000 |
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 | 24,257 | $6,284,344,000 | $259,000 | $41,000,000 | $120,000 | $9,333,000 |
| Application Denied By Financial Institution | 4,493 | $1,114,158,000 | $247,000 | $55,000,000 | $99,000 | $2,669,000 |
| Application Withdrawn By Applicant | 1,671 | $504,484,000 | $301,000 | $30,000,000 | $123,000 | $3,300,000 |
| Application Approved But Not Accepted | 1,297 | $346,146,000 | $266,000 | $4,325,000 | $125,000 | $1,782,000 |
| Loan Purchased By The Institution | 500 | $249,574,000 | $499,000 | $2,824,000 | $158,000 | $1,818,000 |
| Preapproval Denied by Financial Institution | 154 | $24,760,000 | $160,000 | $589,000 | $52,000 | $340,000 |
| File Closed For Incompleteness | 72 | $34,629,000 | $480,000 | $9,200,000 | $78,000 | $876,000 |
| Preapproval Approved but not Accepted | 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 | 1,840 | $551,680,000 | $299,000 | $55,000,000 | $118,000 | $2,669,000 |
| Debt-To-Income Ratio | 912 | $197,355,000 | $216,000 | $1,500,000 | $63,000 | $922,000 |
| Other | 616 | $107,799,000 | $174,000 | $1,500,000 | $104,000 | $1,502,000 |
| Credit History | 573 | $106,856,000 | $186,000 | $20,500,000 | $66,000 | $665,000 |
| Credit Application Incomplete | 325 | $96,051,000 | $295,000 | $3,450,000 | $134,000 | $1,545,000 |
| Unverifiable Information | 197 | $39,782,000 | $201,000 | $4,500,000 | $86,000 | $1,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 79 | $19,116,000 | $241,000 | $2,100,000 | $74,000 | $468,000 |
| Employment History | 74 | $13,136,000 | $177,000 | $410,000 | $78,000 | $589,000 |
| Mortgage Insurance Denied | 31 | $7,143,000 | $230,000 | $411,000 | $90,000 | $231,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sovereign Bank's 2010 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 Sovereign 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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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