Sovereign Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006

Sovereign Bank 2006 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 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 85,886
Total Mortgage Loan Application Amount $15,146,824,000
Average Mortgage Loan Application Amount $149,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $63,000
Highest Applicant Income $7,843,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Sovereign 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 Sovereign Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2006 breaks down Sovereign 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 Sovereign Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Sovereign 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 Sovereign Bank's mortgage activity for 2006.

Mortgage Loan Application Totals for Sovereign Bank by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Philadelphia County Pennsylvania 2,751 $ 360,247,000 $ 130,000 $ 50,000
Middlesex County Massachusetts 2,066 $ 335,550,000 $ 162,000 $ 88,000
Monmouth County New Jersey 1,832 $ 269,243,000 $ 146,000 $ 93,000
Berks County Pennsylvania 1,832 $ 207,828,000 $ 113,000 $ 58,000
Bristol County Massachusetts 1,666 $ 223,181,000 $ 133,000 $ 71,000
Cook County Illinois 1,664 $ 441,479,000 $ 265,000 $ 68,000
Providence County Rhode Island 1,563 $ 196,383,000 $ 125,000 $ 71,000
Ocean County New Jersey 1,449 $ 206,176,000 $ 142,000 $ 67,000
Hartford County Connecticut 1,398 $ 194,609,000 $ 139,000 $ 73,000
Essex County Massachusetts 1,326 $ 186,387,000 $ 140,000 $ 89,000
Worcester County Massachusetts 1,317 $ 188,758,000 $ 143,000 $ 74,000
Lancaster County Pennsylvania 1,283 $ 142,012,000 $ 110,000 $ 71,000
York County Pennsylvania 1,246 $ 119,247,000 $ 95,000 $ 65,000
Plymouth County Massachusetts 1,239 $ 191,455,000 $ 154,000 $ 86,000
Suffolk County Massachusetts 1,170 $ 191,082,000 $ 163,000 $ 78,000
Montgomery County Pennsylvania 1,150 $ 225,658,000 $ 196,000 $ 93,000
Middlesex County New Jersey 1,134 $ 173,293,000 $ 152,000 $ 75,000
Delaware County Pennsylvania 1,095 $ 151,696,000 $ 138,000 $ 86,000
Norfolk County Massachusetts 1,081 $ 204,348,000 $ 189,000 $ 96,000
Los Angeles County California 985 $ 274,065,000 $ 278,000 $ 11,000
Barnstable County Massachusetts 941 $ 233,440,000 $ 248,000 $ 82,000
Bucks County Pennsylvania 892 $ 201,079,000 $ 225,000 $ 96,000
Union County New Jersey 776 $ 142,033,000 $ 183,000 $ 77,000
Contra Costa County California 679 $ 280,702,000 $ 413,000 $ 53,000
Richmond County New York 675 $ 98,059,000 $ 145,000 $ 86,000
Chester County Pennsylvania 646 $ 122,663,000 $ 189,000 $ 93,000
Essex County New Jersey 603 $ 113,220,000 $ 187,000 $ 86,000
Maricopa County Arizona 591 $ 92,775,000 $ 156,000 $ 6,000
Cumberland County Pennsylvania 589 $ 64,767,000 $ 109,000 $ 73,000
Schuylkill County Pennsylvania 576 $ 42,084,000 $ 73,000 $ 56,000
Mercer County New Jersey 566 $ 61,042,000 $ 107,000 $ 79,000
Clark County Nevada 542 $ 73,841,000 $ 136,000 $ 1,000
New Haven County Connecticut 524 $ 94,100,000 $ 179,000 $ 63,000
Dauphin County Pennsylvania 506 $ 62,425,000 $ 123,000 $ 75,000
DuPage County Illinois 493 $ 107,199,000 $ 217,000 $ 73,000
Wake County North Carolina 488 $ 88,295,000 $ 180,000 $ 61,000
Lycoming County Pennsylvania 475 $ 31,187,000 $ 65,000 $ 76,000
Lehigh County Pennsylvania 466 $ 57,556,000 $ 123,000 $ 68,000
Northampton County Pennsylvania 465 $ 50,285,000 $ 108,000 $ 68,000
Kent County Rhode Island 457 $ 61,099,000 $ 133,000 $ 76,000
Rockingham County New Hampshire 446 $ 58,682,000 $ 131,000 $ 93,000
Will County Illinois 434 $ 82,554,000 $ 190,000 $ 67,000
Morris County New Jersey 434 $ 77,461,000 $ 178,000 $ 85,000
Alameda County California 415 $ 156,242,000 $ 376,000 $ 42,000
Riverside County California 415 $ 86,453,000 $ 208,000 $ 3,000
Miami-Dade County Florida 398 $ 224,248,000 $ 563,000 $ 7,000
Hillsborough County New Hampshire 393 $ 55,435,000 $ 141,000 $ 80,000
King County Washington 382 $ 63,005,000 $ 164,000 $ 18,000
Kings County New York 379 $ 182,625,000 $ 481,000 $ 53,000
Camden County New Jersey 374 $ 44,275,000 $ 118,000 $ 53,000
Lebanon County Pennsylvania 371 $ 36,852,000 $ 99,000 $ 58,000
New Castle County Delaware 369 $ 77,270,000 $ 209,000 $ 71,000
Orange County Florida 366 $ 67,926,000 $ 185,000 $ 22,000
Burlington County New Jersey 363 $ 56,353,000 $ 155,000 $ 90,000
Broward County Florida 361 $ 98,866,000 $ 273,000 $ 21,000
Oakland County Michigan 345 $ 52,974,000 $ 153,000 $ 61,000
San Bernardino County California 335 $ 54,538,000 $ 162,000 $ 6,000
Mecklenburg County North Carolina 335 $ 56,846,000 $ 169,000 $ 35,000
Fairfield County Connecticut 332 $ 91,703,000 $ 276,000 $ 72,000
Kern County California 327 $ 36,617,000 $ 111,000 $ 2,000
Lake County Indiana 324 $ 43,899,000 $ 135,000 $ 56,000
Saratoga County New York 322 $ 56,653,000 $ 175,000 $ 75,000
San Diego County California 321 $ 89,918,000 $ 280,000 $ 7,000
Bergen County New Jersey 318 $ 82,285,000 $ 258,000 $ 68,000
Nantucket County Massachusetts 307 $ 170,635,000 $ 555,000 $ 282,000
St. Louis County Missouri 304 $ 63,437,000 $ 208,000 $ 59,000
Albany County New York 297 $ 47,301,000 $ 159,000 $ 73,000
Marion County Indiana 296 $ 51,002,000 $ 172,000 $ 55,000
Queens County New York 294 $ 120,771,000 $ 410,000 $ 55,000
Santa Clara County California 292 $ 94,873,000 $ 324,000 $ 19,000
Sacramento County California 291 $ 42,571,000 $ 146,000 $ 9,000
Hampden County Massachusetts 287 $ 34,678,000 $ 120,000 $ 58,000
Hudson County New Jersey 278 $ 197,414,000 $ 710,000 $ 57,000
Wayne County Michigan 268 $ 26,529,000 $ 98,000 $ 24,000
Atlantic County New Jersey 266 $ 55,926,000 $ 210,000 $ 64,000
Vanderburgh County Indiana 264 $ 30,865,000 $ 116,000 $ 66,000
Lake County Illinois 250 $ 57,401,000 $ 229,000 $ 77,000
Allen County Indiana 248 $ 25,167,000 $ 101,000 $ 50,000
Jefferson County Missouri 248 $ 33,462,000 $ 134,000 $ 53,000
Kane County Illinois 246 $ 49,842,000 $ 202,000 $ 75,000
Ventura County California 244 $ 48,146,000 $ 197,000 $ 7,000
Suffolk County New York 243 $ 71,269,000 $ 293,000 $ 55,000
Sussex County New Jersey 237 $ 30,328,000 $ 127,000 $ 75,000
Hillsborough County Florida 228 $ 43,121,000 $ 189,000 $ 7,000
Snohomish County Washington 228 $ 25,435,000 $ 111,000 $ 8,000
Orange County California 227 $ 79,359,000 $ 349,000 $ 13,000
Palm Beach County Florida 227 $ 78,129,000 $ 344,000 $ 30,000
Allegheny County Pennsylvania 227 $ 20,018,000 $ 88,000 $ 47,000
Hamilton County Indiana 223 $ 36,019,000 $ 161,000 $ 73,000
Somerset County New Jersey 222 $ 59,542,000 $ 268,000 $ 91,000
Washington County Rhode Island 222 $ 41,984,000 $ 189,000 $ 102,000
Pierce County Washington 213 $ 18,386,000 $ 86,000 $ 1,000
Denver County Colorado 212 $ 18,782,000 $ 88,000 $ 12,000
Arapahoe County Colorado 211 $ 17,075,000 $ 80,000 $ 8,000
Multnomah County Oregon 200 $ 20,572,000 $ 102,000 $ 0
Cape May County New Jersey 199 $ 72,766,000 $ 365,000 $ 195,000
Salt Lake County Utah 199 $ 16,564,000 $ 83,000 $ 3,000
Adams County Colorado 197 $ 13,659,000 $ 69,000 $ 3,000
Lee County Florida 195 $ 49,189,000 $ 252,000 $ 65,000
Hamilton County Ohio 194 $ 29,285,000 $ 150,000 $ 26,000
Luzerne County Pennsylvania 188 $ 21,395,000 $ 113,000 $ 62,000
Pinellas County Florida 182 $ 49,692,000 $ 273,000 $ 14,000
McHenry County Illinois 181 $ 37,281,000 $ 205,000 $ 64,000
San Joaquin County California 179 $ 33,552,000 $ 187,000 $ 14,000
Ada County Idaho 179 $ 11,447,000 $ 63,000 $ 2,000
St. Charles County Missouri 176 $ 25,519,000 $ 144,000 $ 54,000
Passaic County New Jersey 176 $ 38,294,000 $ 217,000 $ 65,000
Johnson County Kansas 175 $ 24,006,000 $ 137,000 $ 50,000
Fulton County Georgia 174 $ 23,879,000 $ 137,000 $ 21,000
Fresno County California 169 $ 20,697,000 $ 122,000 $ 14,000
Gloucester County New Jersey 169 $ 23,848,000 $ 141,000 $ 95,000
Centre County Pennsylvania 168 $ 20,443,000 $ 121,000 $ 75,000
Monroe County Indiana 163 $ 23,911,000 $ 146,000 $ 62,000
Prince George's County Maryland 163 $ 116,701,000 $ 715,000 $ 33,000
Nassau County New York 159 $ 54,581,000 $ 343,000 $ 72,000
Seminole County Florida 158 $ 30,123,000 $ 190,000 $ 22,000
Clinton County Pennsylvania 157 $ 8,742,000 $ 55,000 $ 58,000
Jefferson County Colorado 156 $ 18,221,000 $ 116,000 $ 22,000
Volusia County Florida 156 $ 31,334,000 $ 200,000 $ 17,000
Tolland County Connecticut 154 $ 27,695,000 $ 179,000 $ 80,000
Rensselaer County New York 154 $ 22,176,000 $ 144,000 $ 70,000
Middlesex County Connecticut 152 $ 27,069,000 $ 178,000 $ 81,000
Cuyahoga County Ohio 150 $ 12,050,000 $ 80,000 $ 15,000
El Paso County Colorado 148 $ 9,785,000 $ 66,000 $ 3,000
Northumberland County Pennsylvania 148 $ 9,307,000 $ 62,000 $ 56,000
Jackson County Missouri 146 $ 15,862,000 $ 108,000 $ 40,000
Newport County Rhode Island 146 $ 25,443,000 $ 174,000 $ 86,000
Gwinnett County Georgia 144 $ 15,654,000 $ 108,000 $ 5,000
Macomb County Michigan 144 $ 13,613,000 $ 94,000 $ 28,000
Brevard County Florida 143 $ 35,594,000 $ 248,000 $ 24,000
Franklin County Ohio 141 $ 26,834,000 $ 190,000 $ 14,000
Canyon County Idaho 140 $ 6,035,000 $ 43,000 $ 0
Duval County Florida 139 $ 28,199,000 $ 202,000 $ 14,000
Polk County Florida 137 $ 21,604,000 $ 157,000 $ 9,000
Fairfax County Virginia 137 $ 41,758,000 $ 304,000 $ 58,000
Clark County Washington 136 $ 11,969,000 $ 88,000 $ 2,000
Washington County Oregon 135 $ 11,674,000 $ 86,000 $ 0
Baltimore County Maryland 134 $ 150,501,000 $ 1,123,000 $ 27,000
Washington County Maryland 133 $ 15,752,000 $ 118,000 $ 59,000
New York County New York 132 $ 437,819,000 $ 3,316,000 $ 49,000
Bristol County Rhode Island 130 $ 18,417,000 $ 141,000 $ 79,000
Milwaukee County Wisconsin 130 $ 24,735,000 $ 190,000 $ 12,000
Davidson County Tennessee 127 $ 23,918,000 $ 188,000 $ 1,000
Madison County Alabama 125 $ 17,266,000 $ 138,000 $ 66,000
Baltimore City County Maryland 125 $ 62,929,000 $ 503,000 $ 14,000
Stanislaus County California 122 $ 19,750,000 $ 161,000 $ 19,000
Douglas County Colorado 122 $ 17,490,000 $ 143,000 $ 20,000
Litchfield County Connecticut 122 $ 19,636,000 $ 160,000 $ 74,000
Montgomery County Maryland 121 $ 65,484,000 $ 541,000 $ 72,000
Dukes County Massachusetts 121 $ 41,360,000 $ 341,000 $ 169,000
Franklin County Pennsylvania 121 $ 15,620,000 $ 129,000 $ 57,000
Schenectady County New York 120 $ 16,329,000 $ 136,000 $ 62,000
Harris County Texas 117 $ 14,939,000 $ 127,000 $ 4,000
Fulton County New York 115 $ 12,905,000 $ 112,000 $ 62,000
Westchester County New York 115 $ 43,692,000 $ 379,000 $ 56,000
Tarrant County Texas 114 $ 9,767,000 $ 85,000 $ 0
District of Columbia County District Of Columbia 112 $ 40,059,000 $ 357,000 $ 51,000
Cobb County Georgia 112 $ 13,182,000 $ 117,000 $ 11,000
Guilford County North Carolina 112 $ 13,153,000 $ 117,000 $ 41,000
Anne Arundel County Maryland 111 $ 35,070,000 $ 315,000 $ 47,000
Bronx County New York 110 $ 97,322,000 $ 884,000 $ 19,000
Durham County North Carolina 110 $ 15,318,000 $ 139,000 $ 44,000
Chittenden County Vermont 110 $ 19,060,000 $ 173,000 $ 67,000
Collier County Florida 109 $ 35,748,000 $ 327,000 $ 56,000
Warrick County Indiana 109 $ 14,631,000 $ 134,000 $ 67,000
Solano County California 108 $ 25,470,000 $ 235,000 $ 32,000
DeKalb County Georgia 106 $ 13,278,000 $ 125,000 $ 13,000
Pinal County Arizona 105 $ 13,409,000 $ 127,000 $ 2,000
Osceola County Florida 104 $ 18,137,000 $ 174,000 $ 11,000
Sedgwick County Kansas 104 $ 6,286,000 $ 60,000 $ 20,000
Clackamas County Oregon 102 $ 12,313,000 $ 120,000 $ 2,000
Shelby County Tennessee 102 $ 5,987,000 $ 58,000 $ 3,000
San Mateo County California 99 $ 45,553,000 $ 460,000 $ 36,000
Porter County Indiana 98 $ 15,791,000 $ 161,000 $ 54,000
Lake County Florida 97 $ 16,368,000 $ 168,000 $ 11,000
Adams County Pennsylvania 97 $ 10,978,000 $ 113,000 $ 64,000
Montgomery County Alabama 96 $ 14,365,000 $ 149,000 $ 89,000
New London County Connecticut 95 $ 18,331,000 $ 192,000 $ 85,000
Monroe County Pennsylvania 95 $ 11,048,000 $ 116,000 $ 65,000
Washoe County Nevada 94 $ 14,864,000 $ 158,000 $ 10,000
Butler County Ohio 94 $ 8,907,000 $ 94,000 $ 22,000
Horry County South Carolina 90 $ 10,834,000 $ 120,000 $ 10,000
Hennepin County Minnesota 89 $ 14,169,000 $ 159,000 $ 18,000
St. Joseph County Indiana 88 $ 8,054,000 $ 91,000 $ 42,000
Pasco County Florida 87 $ 12,516,000 $ 143,000 $ 5,000
Warren County New York 87 $ 12,009,000 $ 138,000 $ 61,000
Union County Pennsylvania 87 $ 7,405,000 $ 85,000 $ 59,000
Weld County Colorado 85 $ 5,621,000 $ 66,000 $ 4,000
Hunterdon County New Jersey 84 $ 18,994,000 $ 226,000 $ 66,000
Spokane County Washington 84 $ 4,128,000 $ 49,000 $ 0
St. Lucie County Florida 83 $ 14,198,000 $ 171,000 $ 7,000
Placer County California 82 $ 23,357,000 $ 284,000 $ 17,000
Harford County Maryland 82 $ 20,902,000 $ 254,000 $ 47,000
St. Louis City County Missouri 82 $ 8,058,000 $ 98,000 $ 29,000
Stark County Ohio 82 $ 8,526,000 $ 103,000 $ 42,000
Pima County Arizona 79 $ 7,271,000 $ 92,000 $ 7,000
Union County North Carolina 79 $ 9,527,000 $ 120,000 $ 20,000
Utah County Utah 79 $ 8,874,000 $ 112,000 $ 27,000
Sarasota County Florida 78 $ 12,926,000 $ 165,000 $ 16,000
Sussex County Delaware 77 $ 21,510,000 $ 279,000 $ 109,000
Kendall County Illinois 77 $ 14,781,000 $ 191,000 $ 74,000
Cabarrus County North Carolina 77 $ 7,902,000 $ 102,000 $ 38,000
Baldwin County Alabama 76 $ 18,050,000 $ 237,000 $ 67,000
Dallas County Texas 76 $ 22,553,000 $ 296,000 $ 0
Merrimack County New Hampshire 75 $ 8,771,000 $ 116,000 $ 76,000
Marion County Oregon 75 $ 4,245,000 $ 56,000 $ 0
Warren County Ohio 74 $ 7,000,000 $ 94,000 $ 32,000
Delaware County Indiana 73 $ 6,295,000 $ 86,000 $ 49,000
Warren County New Jersey 71 $ 19,912,000 $ 280,000 $ 52,000
Dutchess County New York 71 $ 36,884,000 $ 519,000 $ 48,000
Orange County New York 71 $ 15,519,000 $ 218,000 $ 51,000
Rutherford County Tennessee 70 $ 4,691,000 $ 67,000 $ 3,000
Merced County California 69 $ 8,603,000 $ 124,000 $ 1,000
Erie County New York 69 $ 6,741,000 $ 97,000 $ 49,000
Collin County Texas 69 $ 7,415,000 $ 107,000 $ 2,000
Cumberland County Maine 68 $ 13,618,000 $ 200,000 $ 25,000
Manatee County Florida 67 $ 10,233,000 $ 152,000 $ 9,000
Cecil County Maryland 67 $ 9,689,000 $ 144,000 $ 56,000
Summit County Ohio 67 $ 6,397,000 $ 95,000 $ 35,000
San Francisco County California 66 $ 31,391,000 $ 475,000 $ 44,000
Hampshire County Massachusetts 66 $ 8,798,000 $ 133,000 $ 61,000
Bernalillo County New Mexico 66 $ 8,732,000 $ 132,000 $ 6,000
Buncombe County North Carolina 65 $ 10,177,000 $ 156,000 $ 24,000
Genesee County Michigan 63 $ 4,897,000 $ 77,000 $ 22,000
Carbon County Pennsylvania 63 $ 7,439,000 $ 118,000 $ 86,000
York County Maine 62 $ 11,537,000 $ 186,000 $ 60,000
Westmoreland County Pennsylvania 62 $ 4,515,000 $ 72,000 $ 42,000
York County South Carolina 62 $ 7,085,000 $ 114,000 $ 16,000
Washington County New York 61 $ 6,889,000 $ 112,000 $ 50,000
Frederick County Maryland 60 $ 11,835,000 $ 197,000 $ 74,000
Windham County Connecticut 59 $ 8,096,000 $ 137,000 $ 68,000
Marion County Florida 59 $ 7,678,000 $ 130,000 $ 14,000
Kitsap County Washington 58 $ 4,767,000 $ 82,000 $ 3,000
Johnson County Indiana 57 $ 8,058,000 $ 141,000 $ 61,000
Monterey County California 56 $ 13,804,000 $ 246,000 $ 32,000
Santa Barbara County California 56 $ 13,531,000 $ 241,000 $ 10,000
Clayton County Georgia 55 $ 3,709,000 $ 67,000 $ 0
Monroe County New York 55 $ 7,222,000 $ 131,000 $ 48,000
Lane County Oregon 54 $ 5,554,000 $ 102,000 $ 6,000
Lackawanna County Pennsylvania 54 $ 5,818,000 $ 107,000 $ 66,000
Martin County Florida 53 $ 13,991,000 $ 263,000 $ 31,000
Washtenaw County Michigan 53 $ 9,458,000 $ 178,000 $ 80,000
Montgomery County New York 53 $ 5,288,000 $ 99,000 $ 67,000
Montgomery County Ohio 52 $ 3,827,000 $ 73,000 $ 26,000
Larimer County Colorado 51 $ 4,114,000 $ 80,000 $ 7,000
Henry County Georgia 51 $ 3,958,000 $ 77,000 $ 4,000
Clay County Missouri 51 $ 4,845,000 $ 95,000 $ 31,000
Clermont County Ohio 51 $ 5,139,000 $ 100,000 $ 31,000
Lorain County Ohio 51 $ 3,105,000 $ 60,000 $ 12,000
Prince William County Virginia 51 $ 39,201,000 $ 768,000 $ 21,000
Salem County New Jersey 50 $ 8,413,000 $ 168,000 $ 64,000
Jefferson County Alabama 49 $ 5,922,000 $ 120,000 $ 33,000
Onondaga County New York 49 $ 5,402,000 $ 110,000 $ 53,000
Travis County Texas 49 $ 6,132,000 $ 125,000 $ 0
Shasta County California 48 $ 8,316,000 $ 173,000 $ 26,000
Tulare County California 48 $ 5,027,000 $ 104,000 $ 13,000
Cherokee County Georgia 48 $ 6,580,000 $ 137,000 $ 23,000
Oneida County New York 48 $ 4,366,000 $ 90,000 $ 46,000
Bexar County Texas 48 $ 5,847,000 $ 121,000 $ 0
Chatham County Georgia 47 $ 5,338,000 $ 113,000 $ 23,000
Jefferson County Kentucky 47 $ 3,578,000 $ 76,000 $ 16,000
Livingston County Michigan 47 $ 8,274,000 $ 176,000 $ 143,000
Gaston County North Carolina 47 $ 4,322,000 $ 91,000 $ 34,000
Iredell County North Carolina 47 $ 9,487,000 $ 201,000 $ 38,000
Perry County Pennsylvania 47 $ 4,979,000 $ 105,000 $ 56,000
Jasper County Indiana 46 $ 5,448,000 $ 118,000 $ 56,000
Henderson County North Carolina 46 $ 5,763,000 $ 125,000 $ 39,000
Davis County Utah 46 $ 3,189,000 $ 69,000 $ 0
Virginia Beach County Virginia 46 $ 9,203,000 $ 200,000 $ 8,000
Sonoma County California 45 $ 15,124,000 $ 336,000 $ 46,000
Howard County Maryland 45 $ 25,496,000 $ 566,000 $ 46,000
Johnston County North Carolina 45 $ 6,353,000 $ 141,000 $ 51,000
Elmore County Alabama 44 $ 6,039,000 $ 137,000 $ 63,000
Hendricks County Indiana 44 $ 5,203,000 $ 118,000 $ 60,000
Polk County Iowa 44 $ 2,545,000 $ 57,000 $ 1,000
Imperial County California 43 $ 3,826,000 $ 88,000 $ 0
St. Clair County Illinois 42 $ 3,790,000 $ 90,000 $ 46,000
Thurston County Washington 41 $ 4,394,000 $ 107,000 $ 9,000
Anoka County Minnesota 40 $ 5,235,000 $ 130,000 $ 11,000
Strafford County New Hampshire 40 $ 9,220,000 $ 230,000 $ 65,000
Jackson County Oregon 40 $ 4,537,000 $ 113,000 $ 0
Loudoun County Virginia 40 $ 30,572,000 $ 764,000 $ 31,000
El Dorado County California 39 $ 11,248,000 $ 288,000 $ 39,000
Tippecanoe County Indiana 39 $ 4,763,000 $ 122,000 $ 61,000
Kenton County Kentucky 39 $ 2,995,000 $ 76,000 $ 17,000
Santa Cruz County California 38 $ 14,358,000 $ 377,000 $ 85,000
Kent County Delaware 38 $ 6,060,000 $ 159,000 $ 46,000
Butler County Pennsylvania 38 $ 2,853,000 $ 75,000 $ 40,000
Benton County Arkansas 37 $ 1,689,000 $ 45,000 $ 0
Clay County Florida 37 $ 5,691,000 $ 153,000 $ 20,000
Berkshire County Massachusetts 37 $ 7,223,000 $ 195,000 $ 104,000
Grafton County New Hampshire 37 $ 5,929,000 $ 160,000 $ 86,000
Dona Ana County New Mexico 36 $ 3,994,000 $ 110,000 $ 6,000
Forsyth County North Carolina 36 $ 4,000,000 $ 111,000 $ 25,000
Greenville County South Carolina 36 $ 3,248,000 $ 90,000 $ 28,000
Hernando County Florida 35 $ 5,047,000 $ 144,000 $ 5,000
Douglas County Nebraska 35 $ 2,871,000 $ 82,000 $ 13,000
Greene County New York 35 $ 4,967,000 $ 141,000 $ 50,000
Erie County Pennsylvania 35 $ 3,055,000 $ 87,000 $ 34,000
Denton County Texas 35 $ 3,758,000 $ 107,000 $ 0
Yakima County Washington 35 $ 1,717,000 $ 49,000 $ 1,000
Marin County California 34 $ 16,920,000 $ 497,000 $ 41,000
Okaloosa County Florida 34 $ 3,052,000 $ 89,000 $ 5,000
Winnebago County Illinois 34 $ 4,055,000 $ 119,000 $ 34,000
LaPorte County Indiana 34 $ 3,359,000 $ 98,000 $ 42,000
Worcester County Maryland 34 $ 7,049,000 $ 207,000 $ 61,000
Cumberland County New Jersey 34 $ 3,434,000 $ 101,000 $ 21,000
Weber County Utah 34 $ 1,580,000 $ 46,000 $ 1,000
Boulder County Colorado 33 $ 4,700,000 $ 142,000 $ 3,000
Madison County Indiana 33 $ 2,564,000 $ 77,000 $ 45,000
Ramsey County Minnesota 33 $ 6,195,000 $ 187,000 $ 8,000
Putnam County New York 33 $ 8,927,000 $ 270,000 $ 68,000
Montgomery County Texas 33 $ 5,728,000 $ 173,000 $ 0
Charlotte County Florida 32 $ 5,455,000 $ 170,000 $ 9,000
Boone County Kentucky 32 $ 1,943,000 $ 60,000 $ 9,000
Dakota County Minnesota 32 $ 4,626,000 $ 144,000 $ 8,000
Carroll County New Hampshire 32 $ 6,557,000 $ 204,000 $ 67,000
Lucas County Ohio 32 $ 2,662,000 $ 83,000 $ 45,000
Muscogee County Georgia 31 $ 2,180,000 $ 70,000 $ 3,000
Newton County Georgia 31 $ 3,245,000 $ 104,000 $ 10,000
Paulding County Georgia 31 $ 2,881,000 $ 92,000 $ 15,000
DeKalb County Illinois 31 $ 4,471,000 $ 144,000 $ 58,000
Madison County Illinois 31 $ 3,180,000 $ 102,000 $ 34,000
Ulster County New York 31 $ 4,959,000 $ 159,000 $ 65,000
Henrico County Virginia 31 $ 5,071,000 $ 163,000 $ 18,000
Waukesha County Wisconsin 31 $ 4,114,000 $ 132,000 $ 39,000
Mobile County Alabama 30 $ 2,650,000 $ 88,000 $ 33,000
Mohave County Arizona 30 $ 3,309,000 $ 110,000 $ 0
Mesa County Colorado 30 $ 1,598,000 $ 53,000 $ 5,000
Bay County Florida 30 $ 5,839,000 $ 194,000 $ 3,000
Elkhart County Indiana 30 $ 3,077,000 $ 102,000 $ 50,000
Oklahoma County Oklahoma 30 $ 2,009,000 $ 66,000 $ 1,000
Pike County Pennsylvania 30 $ 4,570,000 $ 152,000 $ 54,000
Sumner County Tennessee 30 $ 1,625,000 $ 54,000 $ 2,000
El Paso County Texas 30 $ 2,085,000 $ 69,000 $ 0
Shelby County Alabama 29 $ 4,647,000 $ 160,000 $ 48,000
Madera County California 29 $ 3,418,000 $ 117,000 $ 8,000
Escambia County Florida 29 $ 4,201,000 $ 144,000 $ 14,000
Grundy County Illinois 29 $ 4,371,000 $ 150,000 $ 45,000
Wyandotte County Kansas 29 $ 2,443,000 $ 84,000 $ 27,000
Cumberland County North Carolina 29 $ 1,643,000 $ 56,000 $ 25,000
Montour County Pennsylvania 29 $ 1,861,000 $ 64,000 $ 62,000
Williamson County Texas 29 $ 2,938,000 $ 101,000 $ 0
Chesterfield County Virginia 29 $ 5,260,000 $ 181,000 $ 17,000
Bonneville County Idaho 28 $ 1,283,000 $ 45,000 $ 0
DeKalb County Indiana 28 $ 2,733,000 $ 97,000 $ 49,000
Carroll County Maryland 28 $ 4,458,000 $ 159,000 $ 43,000
Charles County Maryland 28 $ 6,135,000 $ 219,000 $ 26,000
DeSoto County Mississippi 28 $ 1,394,000 $ 49,000 $ 0
Columbia County New York 28 $ 4,708,000 $ 168,000 $ 61,000
New Hanover County North Carolina 28 $ 4,648,000 $ 166,000 $ 14,000
Deschutes County Oregon 28 $ 5,763,000 $ 205,000 $ 0
Charleston County South Carolina 28 $ 6,497,000 $ 232,000 $ 6,000
Douglas County Georgia 27 $ 2,293,000 $ 84,000 $ 11,000
Lawrence County Indiana 27 $ 2,599,000 $ 96,000 $ 55,000
Cass County Missouri 27 $ 3,011,000 $ 111,000 $ 37,000
Cleveland County North Carolina 27 $ 2,882,000 $ 106,000 $ 44,000
Columbia County Pennsylvania 27 $ 2,325,000 $ 86,000 $ 56,000
Knox County Tennessee 27 $ 1,471,000 $ 54,000 $ 3,000
Autauga County Alabama 26 $ 2,553,000 $ 98,000 $ 53,000
Yuma County Arizona 26 $ 3,042,000 $ 117,000 $ 0
Alachua County Florida 26 $ 4,997,000 $ 192,000 $ 10,000
Lake County Ohio 26 $ 2,178,000 $ 83,000 $ 15,000
Medina County Ohio 26 $ 1,684,000 $ 64,000 $ 12,000
Tulsa County Oklahoma 26 $ 2,403,000 $ 92,000 $ 1,000
Dane County Wisconsin 26 $ 2,034,000 $ 78,000 $ 30,000
Nevada County California 25 $ 8,777,000 $ 351,000 $ 64,000
Indian River County Florida 25 $ 4,019,000 $ 160,000 $ 9,000
St. Johns County Florida 25 $ 5,101,000 $ 204,000 $ 19,000
Campbell County Kentucky 25 $ 1,544,000 $ 61,000 $ 24,000
Greene County Missouri 25 $ 2,767,000 $ 110,000 $ 38,000
Belknap County New Hampshire 25 $ 3,823,000 $ 152,000 $ 78,000
Catawba County North Carolina 25 $ 2,322,000 $ 92,000 $ 53,000
Orange County North Carolina 25 $ 5,573,000 $ 222,000 $ 75,000
Delaware County Ohio 25 $ 3,215,000 $ 128,000 $ 26,000
Calaveras County California 24 $ 6,350,000 $ 264,000 $ 39,000
San Benito County California 24 $ 5,899,000 $ 245,000 $ 0
Citrus County Florida 24 $ 3,354,000 $ 139,000 $ 6,000
Flagler County Florida 24 $ 5,381,000 $ 224,000 $ 36,000
Rockdale County Georgia 24 $ 2,296,000 $ 95,000 $ 2,000
Kootenai County Idaho 24 $ 3,842,000 $ 160,000 $ 0
Boone County Indiana 24 $ 3,473,000 $ 144,000 $ 77,000
Fayette County Kentucky 24 $ 944,000 $ 39,000 $ 1,000
Garrett County Maryland 24 $ 3,920,000 $ 163,000 $ 36,000
Kent County Michigan 24 $ 2,786,000 $ 116,000 $ 30,000
Harrison County Mississippi 24 $ 2,095,000 $ 87,000 $ 1,000
Cole County Missouri 24 $ 2,268,000 $ 94,000 $ 65,000
Clinton County New York 24 $ 2,351,000 $ 97,000 $ 40,000
Richland County Ohio 24 $ 1,977,000 $ 82,000 $ 36,000
Cleveland County Oklahoma 24 $ 1,813,000 $ 75,000 $ 5,000
Chesapeake County Virginia 24 $ 3,969,000 $ 165,000 $ 11,000
Skagit County Washington 24 $ 2,445,000 $ 101,000 $ 0
Tuscaloosa County Alabama 23 $ 2,832,000 $ 123,000 $ 44,000
Butte County California 23 $ 3,293,000 $ 143,000 $ 17,000
Forsyth County Georgia 23 $ 2,922,000 $ 127,000 $ 10,000
Honolulu County Hawaii 23 $ 9,222,000 $ 400,000 $ 0
Kennebec County Maine 23 $ 1,945,000 $ 84,000 $ 19,000
Randolph County North Carolina 23 $ 2,484,000 $ 108,000 $ 39,000
Montgomery County Tennessee 23 $ 1,094,000 $ 47,000 $ 0
Galveston County Texas 23 $ 3,130,000 $ 136,000 $ 0
Whatcom County Washington 23 $ 2,861,000 $ 124,000 $ 9,000
Lauderdale County Alabama 22 $ 2,079,000 $ 94,000 $ 82,000
Sutter County California 22 $ 1,931,000 $ 87,000 $ 0
Hall County Georgia 22 $ 2,304,000 $ 104,000 $ 14,000
Androscoggin County Maine 22 $ 2,679,000 $ 121,000 $ 39,000
Monroe County Michigan 22 $ 2,065,000 $ 93,000 $ 24,000
Washington County Pennsylvania 22 $ 2,502,000 $ 113,000 $ 45,000
Hamilton County Tennessee 22 $ 3,069,000 $ 139,000 $ 68,000
Bell County Texas 22 $ 1,691,000 $ 76,000 $ 0
Norfolk County Virginia 22 $ 2,708,000 $ 123,000 $ 12,000
Benton County Washington 22 $ 1,886,000 $ 85,000 $ 10,000
Cowlitz County Washington 22 $ 915,000 $ 41,000 $ 0
Troup County Georgia 21 $ 1,900,000 $ 90,000 $ 26,000
Shawnee County Kansas 21 $ 1,066,000 $ 50,000 $ 15,000
Franklin County Missouri 21 $ 2,645,000 $ 125,000 $ 42,000
St. Francois County Missouri 21 $ 2,273,000 $ 108,000 $ 47,000
Rockland County New York 21 $ 9,400,000 $ 447,000 $ 70,000
Richmond City County Virginia 21 $ 2,176,000 $ 103,000 $ 2,000
Washington County Arkansas 20 $ 767,000 $ 38,000 $ 0
Posey County Indiana 20 $ 2,557,000 $ 127,000 $ 55,000
Boone County Missouri 20 $ 2,803,000 $ 140,000 $ 38,000
Lancaster County Nebraska 20 $ 1,101,000 $ 55,000 $ 4,000
Essex County New York 20 $ 3,053,000 $ 152,000 $ 106,000
Davidson County North Carolina 20 $ 1,896,000 $ 94,000 $ 32,000
Clearfield County Pennsylvania 20 $ 1,178,000 $ 58,000 $ 50,000
Lexington County South Carolina 20 $ 1,360,000 $ 68,000 $ 5,000
Richland County South Carolina 20 $ 2,642,000 $ 132,000 $ 12,000
San Luis Obispo County California 19 $ 5,296,000 $ 278,000 $ 32,000
Yolo County California 19 $ 4,774,000 $ 251,000 $ 37,000
Leon County Florida 19 $ 2,771,000 $ 145,000 $ 5,000
Hancock County Indiana 19 $ 2,758,000 $ 145,000 $ 54,000
Whitley County Indiana 19 $ 1,751,000 $ 92,000 $ 39,000
Washington County Minnesota 19 $ 3,815,000 $ 200,000 $ 32,000
Lincoln County Missouri 19 $ 2,201,000 $ 115,000 $ 38,000
Brunswick County North Carolina 19 $ 4,099,000 $ 215,000 $ 48,000
Lawrence County Pennsylvania 19 $ 1,509,000 $ 79,000 $ 38,000
Newport News County Virginia 19 $ 1,962,000 $ 103,000 $ 34,000
Stafford County Virginia 19 $ 4,401,000 $ 231,000 $ 27,000
Brown County Wisconsin 19 $ 1,558,000 $ 82,000 $ 16,000
Yuba County California 18 $ 1,792,000 $ 99,000 $ 7,000
Santa Rosa County Florida 18 $ 1,945,000 $ 108,000 $ 7,000
Sarpy County Nebraska 18 $ 1,476,000 $ 82,000 $ 8,000
Broome County New York 18 $ 1,467,000 $ 81,000 $ 49,000
Sullivan County New York 18 $ 2,799,000 $ 155,000 $ 45,000
Rowan County North Carolina 18 $ 2,253,000 $ 125,000 $ 30,000
Columbia County Oregon 18 $ 740,000 $ 41,000 $ 0
Josephine County Oregon 18 $ 2,682,000 $ 149,000 $ 0
Blair County Pennsylvania 18 $ 1,310,000 $ 72,000 $ 45,000
Wyoming County Pennsylvania 18 $ 1,789,000 $ 99,000 $ 64,000
Williamson County Tennessee 18 $ 2,123,000 $ 117,000 $ 19,000
Franklin County Vermont 18 $ 2,652,000 $ 147,000 $ 56,000
Windham County Vermont 18 $ 2,658,000 $ 147,000 $ 54,000
Racine County Wisconsin 18 $ 2,196,000 $ 122,000 $ 5,000
Napa County California 17 $ 6,472,000 $ 380,000 $ 48,000
Tehama County California 17 $ 1,539,000 $ 90,000 $ 4,000
Bannock County Idaho 17 $ 593,000 $ 34,000 $ 0
LaSalle County Illinois 17 $ 2,299,000 $ 135,000 $ 49,000
Franklin County Massachusetts 17 $ 2,343,000 $ 137,000 $ 65,000
Warren County Missouri 17 $ 2,716,000 $ 159,000 $ 38,000
Lyon County Nevada 17 $ 1,846,000 $ 108,000 $ 0
Cheshire County New Hampshire 17 $ 2,209,000 $ 129,000 $ 30,000
Schoharie County New York 17 $ 1,851,000 $ 108,000 $ 43,000
Chatham County North Carolina 17 $ 3,252,000 $ 191,000 $ 74,000
Onslow County North Carolina 17 $ 1,929,000 $ 113,000 $ 30,000
Rockingham County North Carolina 17 $ 2,563,000 $ 150,000 $ 39,000
Beaver County Pennsylvania 17 $ 1,325,000 $ 77,000 $ 51,000
Beaufort County South Carolina 17 $ 4,041,000 $ 237,000 $ 67,000
Wilson County Tennessee 17 $ 1,131,000 $ 66,000 $ 5,000
Tooele County Utah 17 $ 593,000 $ 34,000 $ 0
Addison County Vermont 17 $ 2,404,000 $ 141,000 $ 58,000
Lee County Alabama 16 $ 2,274,000 $ 142,000 $ 36,000
Yavapai County Arizona 16 $ 2,581,000 $ 161,000 $ 0
Pueblo County Colorado 16 $ 822,000 $ 51,000 $ 0
Walton County Florida 16 $ 4,187,000 $ 261,000 $ 0
Carroll County Georgia 16 $ 1,234,000 $ 77,000 $ 0
Boone County Illinois 16 $ 2,444,000 $ 152,000 $ 51,000
Noble County Indiana 16 $ 1,648,000 $ 103,000 $ 42,000
Camden County Missouri 16 $ 3,177,000 $ 198,000 $ 85,000
Christian County Missouri 16 $ 1,954,000 $ 122,000 $ 36,000
Ravalli County Montana 16 $ 3,170,000 $ 198,000 $ 41,000
Herkimer County New York 16 $ 1,434,000 $ 89,000 $ 42,000
Alamance County North Carolina 16 $ 1,532,000 $ 95,000 $ 36,000
Franklin County North Carolina 16 $ 1,689,000 $ 105,000 $ 23,000
Greene County Ohio 16 $ 1,518,000 $ 94,000 $ 35,000
Polk County Oregon 16 $ 1,083,000 $ 67,000 $ 0
Roanoke County Virginia 16 $ 2,155,000 $ 134,000 $ 55,000
Colbert County Alabama 15 $ 1,414,000 $ 94,000 $ 62,000
Limestone County Alabama 15 $ 1,747,000 $ 116,000 $ 57,000
Coweta County Georgia 15 $ 1,309,000 $ 87,000 $ 4,000
Maui County Hawaii 15 $ 4,981,000 $ 332,000 $ 0
Henry County Indiana 15 $ 1,445,000 $ 96,000 $ 58,000
Morgan County Indiana 15 $ 1,830,000 $ 122,000 $ 60,000
Wells County Indiana 15 $ 1,800,000 $ 120,000 $ 43,000
Scott County Iowa 15 $ 898,000 $ 59,000 $ 17,000
Leavenworth County Kansas 15 $ 1,297,000 $ 86,000 $ 31,000
Perry County Missouri 15 $ 1,507,000 $ 100,000 $ 39,000
Platte County Missouri 15 $ 1,480,000 $ 98,000 $ 41,000
Sullivan County New Hampshire 15 $ 1,231,000 $ 82,000 $ 77,000
Sandoval County New Mexico 15 $ 1,862,000 $ 124,000 $ 21,000
Portage County Ohio 15 $ 1,519,000 $ 101,000 $ 19,000
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Mortgage Loan Application Detail Totals for Sovereign Bank in 2006

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 42,128 $7,569,024,000 $179,000 $99,999,000 $41,000 $4,000,000
Refinancing 33,528 $6,939,528,000 $206,000 $56,000,000 $66,000 $7,843,000
Home Improvement 10,230 $638,272,000 $62,000 $3,250,000 $82,000 $7,670,000

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 46,228 $7,470,243,000 $161,000 $5,000,000 $81,000 $5,760,000
Not applicable 24,602 $5,298,237,000 $215,000 $99,999,000 $0 $859,000
Not Provided 4,678 $809,498,000 $173,000 $14,080,000 $85,000 $7,843,000
Hispanic 4,291 $625,374,000 $145,000 $1,810,000 $57,000 $1,043,000
Black or African American 3,583 $473,197,000 $132,000 $938,000 $60,000 $3,161,000
Asian 2,153 $413,961,000 $192,000 $3,000,000 $82,000 $2,280,000
American Indian or Alaskan Native 184 $23,369,000 $127,000 $650,000 $85,000 $713,000
Native Hawaiian or Other Pacific Islander 167 $32,945,000 $197,000 $1,760,000 $92,000 $1,399,000

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) 84,677 $14,977,225,000 $176,000 $99,999,000 $56,000 $7,843,000
FHA-insured (Federal Housing Administration) 1,182 $164,792,000 $139,000 $517,000 $49,000 $412,000
VA-guaranteed (Veterans Administration) 27 $4,807,000 $178,000 $385,000 $61,000 $111,000
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 40,195 $8,128,808,000 $202,000 $99,999,000 $81,000 $7,843,000
Loan Purchased By The Institution 29,304 $4,093,290,000 $139,000 $2,000,000 $13,000 $1,241,000
Application Denied By Financial Institution 8,454 $1,188,212,000 $140,000 $20,000,000 $67,000 $5,305,000
Application Approved But Not Accepted 4,717 $904,249,000 $191,000 $32,000,000 $82,000 $7,670,000
Application Withdrawn By Applicant 2,864 $770,136,000 $268,000 $32,000,000 $67,000 $2,892,000
Preapproval Denied by Financial Institution 314 $44,008,000 $140,000 $608,000 $44,000 $380,000
File Closed For Incompleteness 38 $18,121,000 $476,000 $5,080,000 $111,000 $616,000
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
Credit History 3,312 $351,805,000 $106,000 $8,000,000 $64,000 $4,000,000
Debt-To-Income Ratio 2,245 $252,906,000 $112,000 $792,000 $54,000 $327,000
Collateral 1,354 $339,170,000 $250,000 $20,000,000 $78,000 $700,000
Other 749 $142,261,000 $189,000 $8,612,000 $82,000 $1,464,000
Mortgage Insurance Denied 424 $35,997,000 $84,000 $583,000 $86,000 $5,305,000
Unverifiable Information 407 $54,971,000 $135,000 $1,800,000 $50,000 $1,184,000
Credit Application Incomplete 137 $34,130,000 $249,000 $6,000,000 $103,000 $2,750,000
Employment History 100 $12,649,000 $126,000 $700,000 $39,000 $452,000
Insufficient Cash (Downpayment, Closing Cost) 40 $8,331,000 $208,000 $1,173,000 $58,000 $300,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sovereign Bank's 2006 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.
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