Sovereign Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Sovereign Bank 2004 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 | 84,144 |
| Total Mortgage Loan Application Amount | $9,942,679,000 |
| Average Mortgage Loan Application Amount | $84,520 |
| Highest Mortgage Loan Application Amount | $9,770,000 |
| Average Applicant Income | $23,828 |
| Highest Applicant Income | $9,691,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| PHILADELPHIA, PA | 7,187 | $ 898,307,000 | $ 124,000 | $ 63,000 |
| EDISON, NJ | 3,853 | $ 561,520,000 | $ 145,000 | $ 66,000 |
| BOSTON-QUINCY, MA | 3,514 | $ 728,673,000 | $ 207,000 | $ 74,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 2,641 | $ 376,165,000 | $ 142,000 | $ 64,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,883 | $ 240,081,000 | $ 127,000 | $ 77,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 1,815 | $ 257,692,000 | $ 141,000 | $ 63,000 |
| NEWARK-UNION, NJ-PA | 1,649 | $ 262,440,000 | $ 159,000 | $ 73,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1,616 | $ 324,147,000 | $ 200,000 | $ 71,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1,602 | $ 134,227,000 | $ 83,000 | $ 51,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 1,534 | $ 151,738,000 | $ 98,000 | $ 56,000 |
| READING, PA | 1,527 | $ 144,678,000 | $ 94,000 | $ 48,000 |
| WORCESTER, MA | 1,318 | $ 190,060,000 | $ 144,000 | $ 65,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1,226 | $ 66,806,000 | $ 54,000 | $ 7,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1,189 | $ 95,459,000 | $ 80,000 | $ 21,000 |
| ESSEX COUNTY, MA | 1,054 | $ 192,075,000 | $ 182,000 | $ 67,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1,026 | $ 102,499,000 | $ 99,000 | $ 50,000 |
| BARNSTABLE TOWN, MA | 994 | $ 253,757,000 | $ 255,000 | $ 122,000 |
| CAMDEN, NJ | 946 | $ 110,220,000 | $ 116,000 | $ 59,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 919 | $ 112,231,000 | $ 122,000 | $ 61,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 904 | $ 69,207,000 | $ 76,000 | $ 18,000 |
| BALTIMORE-TOWSON, MD | 830 | $ 77,270,000 | $ 93,000 | $ 44,000 |
| ALBANY-SCHENECTADY-TROY, NY | 780 | $ 98,887,000 | $ 126,000 | $ 56,000 |
| LANCASTER, PA | 743 | $ 75,361,000 | $ 101,000 | $ 49,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 704 | $ 161,491,000 | $ 229,000 | $ 45,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 700 | $ 61,471,000 | $ 87,000 | $ 15,000 |
| LAS VEGAS-PARADISE, NV | 689 | $ 52,380,000 | $ 76,000 | $ 244,000 |
| DENVER-AURORA, CO | 678 | $ 54,113,000 | $ 79,000 | $ 16,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 619 | $ 102,136,000 | $ 165,000 | $ 62,000 |
| WILLIAMSPORT, PA | 570 | $ 44,080,000 | $ 77,000 | $ 53,000 |
| TRENTON-EWING, NJ | 561 | $ 68,671,000 | $ 122,000 | $ 58,000 |
| ST. LOUIS, MO-IL | 538 | $ 35,438,000 | $ 65,000 | $ 15,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 534 | $ 39,247,000 | $ 73,000 | $ 73,000 |
| NEW HAVEN-MILFORD, CT | 520 | $ 63,929,000 | $ 122,000 | $ 61,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 518 | $ 45,448,000 | $ 87,000 | $ 51,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 518 | $ 77,031,000 | $ 148,000 | $ 72,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 506 | $ 32,489,000 | $ 64,000 | $ 0 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 506 | $ 44,628,000 | $ 88,000 | $ 23,000 |
| WILMINGTON, DE-MD-NJ | 500 | $ 58,594,000 | $ 117,000 | $ 57,000 |
| NASSAU-SUFFOLK, NY | 493 | $ 107,403,000 | $ 217,000 | $ 34,000 |
| ORLANDO, FL | 492 | $ 36,807,000 | $ 74,000 | $ 24,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 481 | $ 35,253,000 | $ 73,000 | $ 32,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 458 | $ 62,403,000 | $ 136,000 | $ 48,000 |
| SPRINGFIELD, MA | 445 | $ 49,728,000 | $ 111,000 | $ 53,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 420 | $ 34,396,000 | $ 81,000 | $ 31,000 |
| INDIANAPOLIS, IN | 417 | $ 37,156,000 | $ 89,000 | $ 40,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 413 | $ 28,161,000 | $ 68,000 | $ 19,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 412 | $ 103,919,000 | $ 252,000 | $ 80,000 |
| DALLAS-PLANO-IRVING, TX | 405 | $ 28,262,000 | $ 69,000 | $ 0 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 400 | $ 26,418,000 | $ 66,000 | $ 36,000 |
| MANCHESTER-NASHUA, NH | 384 | $ 48,610,000 | $ 126,000 | $ 68,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 378 | $ 29,569,000 | $ 78,000 | $ 25,000 |
| HARRISBURG-CARLISLE, PA | 359 | $ 36,043,000 | $ 100,000 | $ 50,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 355 | $ 20,884,000 | $ 58,000 | $ 16,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 354 | $ 50,568,000 | $ 142,000 | $ 46,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 354 | $ 26,701,000 | $ 75,000 | $ 0 |
| STOCKTON, CA | 354 | $ 25,109,000 | $ 70,000 | $ 18,000 |
| TACOMA, WA | 333 | $ 19,239,000 | $ 57,000 | $ 0 |
| MODESTO, CA | 327 | $ 20,651,000 | $ 63,000 | $ 16,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 321 | $ 46,272,000 | $ 144,000 | $ 77,000 |
| KANSAS CITY, MO-KS | 299 | $ 15,168,000 | $ 50,000 | $ 13,000 |
| PITTSBURGH, PA | 279 | $ 18,957,000 | $ 67,000 | $ 27,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 267 | $ 46,261,000 | $ 173,000 | $ 103,000 |
| COLUMBUS, OH | 264 | $ 19,829,000 | $ 75,000 | $ 7,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 260 | $ 18,010,000 | $ 69,000 | $ 20,000 |
| SALT LAKE CITY, UT | 256 | $ 16,784,000 | $ 65,000 | $ 5,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 253 | $ 24,692,000 | $ 97,000 | $ 3,000 |
| RICHMOND, VA | 252 | $ 18,920,000 | $ 75,000 | $ 17,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 243 | $ 36,458,000 | $ 150,000 | $ 47,000 |
| RALEIGH-CARY, NC | 242 | $ 24,481,000 | $ 101,000 | $ 28,000 |
| OCEAN CITY, NJ | 233 | $ 61,710,000 | $ 264,000 | $ 100,000 |
| CAPE CORAL-FORT MYERS, FL | 230 | $ 23,358,000 | $ 101,000 | $ 24,000 |
| YORK-HANOVER, PA | 222 | $ 19,376,000 | $ 87,000 | $ 48,000 |
| FORT WORTH-ARLINGTON, TX | 214 | $ 11,777,000 | $ 55,000 | $ 13,000 |
| FRESNO, CA | 208 | $ 13,341,000 | $ 64,000 | $ 0 |
| ATLANTIC CITY, NJ | 205 | $ 34,516,000 | $ 168,000 | $ 64,000 |
| MEMPHIS, TN-MS-AR | 192 | $ 10,695,000 | $ 55,000 | $ 0 |
| DETROIT-LIVONIA-DEARBORN, MI | 188 | $ 13,903,000 | $ 73,000 | $ 90,000 |
| JACKSONVILLE, FL | 188 | $ 13,860,000 | $ 73,000 | $ 14,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 174 | $ 25,183,000 | $ 144,000 | $ 56,000 |
| AKRON, OH | 173 | $ 11,936,000 | $ 68,000 | $ 14,000 |
| COLORADO SPRINGS, CO | 171 | $ 12,412,000 | $ 72,000 | $ 0 |
| GREENSBORO-HIGH POINT, NC | 170 | $ 15,299,000 | $ 89,000 | $ 43,000 |
| BAKERSFIELD, CA | 168 | $ 8,876,000 | $ 52,000 | $ 27,000 |
| TUCSON, AZ | 157 | $ 10,935,000 | $ 69,000 | $ 27,000 |
| SCRANTON--WILKES-BARRE, PA | 156 | $ 14,010,000 | $ 89,000 | $ 50,000 |
| NORWICH-NEW LONDON, CT | 147 | $ 22,673,000 | $ 154,000 | $ 60,000 |
| BUFFALO-NIAGARA FALLS, NY | 142 | $ 8,418,000 | $ 59,000 | $ 30,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 137 | $ 26,799,000 | $ 195,000 | $ 70,000 |
| BOISE CITY-NAMPA, ID | 135 | $ 6,595,000 | $ 48,000 | $ 0 |
| CHARLESTON-NORTH CHARLESTON, SC | 132 | $ 12,033,000 | $ 91,000 | $ 18,000 |
| DES MOINES, IA | 132 | $ 6,425,000 | $ 48,000 | $ 6,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 132 | $ 16,803,000 | $ 127,000 | $ 63,000 |
| GLENS FALLS, NY | 128 | $ 14,226,000 | $ 111,000 | $ 48,000 |
| KNOXVILLE, TN | 127 | $ 6,368,000 | $ 50,000 | $ 3,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 127 | $ 19,782,000 | $ 155,000 | $ 45,000 |
| STATE COLLEGE, PA | 126 | $ 12,431,000 | $ 98,000 | $ 52,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 124 | $ 31,518,000 | $ 254,000 | $ 62,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 122 | $ 5,774,000 | $ 47,000 | $ 0 |
| LEBANON, PA | 120 | $ 12,296,000 | $ 102,000 | $ 50,000 |
| SALEM, OR | 119 | $ 5,275,000 | $ 44,000 | $ 0 |
| TOLEDO, OH | 119 | $ 7,534,000 | $ 63,000 | $ 21,000 |
| PROVO-OREM, UT | 118 | $ 6,481,000 | $ 54,000 | $ 0 |
| VALLEJO-FAIRFIELD, CA | 118 | $ 10,939,000 | $ 92,000 | $ 42,000 |
| COLUMBIA, SC | 115 | $ 7,743,000 | $ 67,000 | $ 1,000 |
| LOUISVILLE, KY-IN | 114 | $ 7,384,000 | $ 64,000 | $ 5,000 |
| GARY, IN | 113 | $ 9,269,000 | $ 82,000 | $ 30,000 |
| EUGENE-SPRINGFIELD, OR | 111 | $ 5,170,000 | $ 46,000 | $ 0 |
| MERCED, CA | 110 | $ 6,341,000 | $ 57,000 | $ 0 |
| ASHEVILLE, NC | 109 | $ 9,338,000 | $ 85,000 | $ 33,000 |
| AUSTIN-ROUND ROCK, TX | 109 | $ 9,988,000 | $ 91,000 | $ 0 |
| NAPLES-MARCO ISLAND, FL | 107 | $ 19,452,000 | $ 181,000 | $ 64,000 |
| ALBUQUERQUE, NM | 106 | $ 6,770,000 | $ 63,000 | $ 0 |
| PORT ST. LUCIE-FORT PIERCE, FL | 103 | $ 13,147,000 | $ 127,000 | $ 25,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 102 | $ 8,168,000 | $ 80,000 | $ 25,000 |
| SARASOTA-BRADENTON-VENICE, FL | 100 | $ 15,112,000 | $ 151,000 | $ 47,000 |
| WINSTON-SALEM, NC | 99 | $ 9,462,000 | $ 95,000 | $ 31,000 |
| DAYTON, OH | 97 | $ 5,689,000 | $ 58,000 | $ 8,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 94 | $ 10,203,000 | $ 108,000 | $ 26,000 |
| GRAND RAPIDS-WYOMING, MI | 91 | $ 6,551,000 | $ 71,000 | $ 0 |
| OGDEN-CLEARFIELD, UT | 91 | $ 5,623,000 | $ 61,000 | $ 0 |
| DOVER, DE | 88 | $ 8,802,000 | $ 100,000 | $ 45,000 |
| FORT WAYNE, IN | 88 | $ 7,386,000 | $ 83,000 | $ 56,000 |
| SAN ANTONIO, TX | 88 | $ 6,458,000 | $ 73,000 | $ 0 |
| WICHITA, KS | 87 | $ 3,850,000 | $ 44,000 | $ 12,000 |
| GREENVILLE, SC | 85 | $ 6,277,000 | $ 73,000 | $ 21,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 84 | $ 6,965,000 | $ 82,000 | $ 11,000 |
| ROANOKE, VA | 84 | $ 5,561,000 | $ 66,000 | $ 15,000 |
| TULSA, OK | 81 | $ 4,762,000 | $ 58,000 | $ 2,000 |
| MADISON, WI | 80 | $ 5,579,000 | $ 69,000 | $ 6,000 |
| ROCHESTER, NY | 77 | $ 5,136,000 | $ 66,000 | $ 57,000 |
| DURHAM, NC | 76 | $ 7,173,000 | $ 94,000 | $ 30,000 |
| SYRACUSE, NY | 75 | $ 5,664,000 | $ 75,000 | $ 45,000 |
| GREELEY, CO | 72 | $ 4,677,000 | $ 64,000 | $ 0 |
| CHATTANOOGA, TN-GA | 69 | $ 4,010,000 | $ 58,000 | $ 0 |
| OLYMPIA, WA | 68 | $ 4,217,000 | $ 62,000 | $ 51,000 |
| HICKORY-LENOIR-MORGANTON, NC | 67 | $ 4,480,000 | $ 66,000 | $ 24,000 |
| LEXINGTON-FAYETTE, KY | 66 | $ 3,059,000 | $ 46,000 | $ 8,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 65 | $ 14,698,000 | $ 226,000 | $ 47,000 |
| CANTON-MASSILLON, OH | 63 | $ 4,681,000 | $ 74,000 | $ 34,000 |
| EVANSVILLE, IN-KY | 63 | $ 4,302,000 | $ 68,000 | $ 15,000 |
| LAKELAND, FL | 63 | $ 3,893,000 | $ 61,000 | $ 10,000 |
| OKLAHOMA CITY, OK | 62 | $ 4,110,000 | $ 66,000 | $ 0 |
| UTICA-ROME, NY | 61 | $ 5,859,000 | $ 96,000 | $ 45,000 |
| EL PASO, TX | 59 | $ 2,395,000 | $ 40,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 59 | $ 4,054,000 | $ 68,000 | $ 23,000 |
| BREMERTON-SILVERDALE, WA | 58 | $ 4,806,000 | $ 82,000 | $ 0 |
| LINCOLN, NE | 58 | $ 3,066,000 | $ 52,000 | $ 0 |
| FLINT, MI | 56 | $ 3,687,000 | $ 65,000 | $ 57,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 56 | $ 5,767,000 | $ 102,000 | $ 31,000 |
| RENO-SPARKS, NV | 55 | $ 5,047,000 | $ 91,000 | $ 0 |
| SALINAS, CA | 55 | $ 10,038,000 | $ 182,000 | $ 0 |
| SANTA ROSA-PETALUMA, CA | 55 | $ 7,013,000 | $ 127,000 | $ 0 |
| VISALIA-PORTERVILLE, CA | 53 | $ 4,043,000 | $ 76,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 52 | $ 3,235,000 | $ 62,000 | $ 35,000 |
| BLOOMINGTON, IN | 48 | $ 3,379,000 | $ 70,000 | $ 18,000 |
| WILMINGTON, NC | 48 | $ 5,828,000 | $ 121,000 | $ 27,000 |
| YUBA CITY, CA | 48 | $ 3,410,000 | $ 71,000 | $ 0 |
| LANSING-EAST LANSING, MI | 47 | $ 3,475,000 | $ 73,000 | $ 0 |
| KINGSTON, NY | 45 | $ 6,288,000 | $ 139,000 | $ 43,000 |
| SAVANNAH, GA | 45 | $ 4,450,000 | $ 98,000 | $ 20,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 43 | $ 2,627,000 | $ 61,000 | $ 0 |
| CEDAR RAPIDS, IA | 42 | $ 2,071,000 | $ 49,000 | $ 0 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 41 | $ 2,693,000 | $ 65,000 | $ 0 |
| ELKHART-GOSHEN, IN | 41 | $ 3,632,000 | $ 88,000 | $ 35,000 |
| TALLAHASSEE, FL | 40 | $ 3,299,000 | $ 82,000 | $ 10,000 |
| SPOKANE, WA | 39 | $ 1,503,000 | $ 38,000 | $ 0 |
| LYNCHBURG, VA | 38 | $ 2,867,000 | $ 75,000 | $ 26,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 38 | $ 2,969,000 | $ 78,000 | $ 32,000 |
| EL CENTRO, CA | 37 | $ 1,896,000 | $ 51,000 | $ 28,000 |
| JANESVILLE, WI | 37 | $ 2,270,000 | $ 61,000 | $ 0 |
| SIOUX FALLS, SD | 37 | $ 2,567,000 | $ 69,000 | $ 0 |
| MADERA, CA | 36 | $ 2,176,000 | $ 60,000 | $ 15,000 |
| ROCKFORD, IL | 36 | $ 2,394,000 | $ 66,000 | $ 0 |
| BOULDER, CO | 35 | $ 6,547,000 | $ 187,000 | $ 41,000 |
| SPARTANBURG, SC | 34 | $ 1,997,000 | $ 58,000 | $ 0 |
| ANN ARBOR, MI | 33 | $ 3,636,000 | $ 110,000 | $ 81,000 |
| JACKSON, MS | 33 | $ 2,245,000 | $ 68,000 | $ 6,000 |
| PRESCOTT, AZ | 33 | $ 2,510,000 | $ 76,000 | $ 0 |
| BEND, OR | 32 | $ 2,066,000 | $ 64,000 | $ 0 |
| OCALA, FL | 32 | $ 1,490,000 | $ 46,000 | $ 38,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 32 | $ 5,918,000 | $ 184,000 | $ 81,000 |
| KALAMAZOO-PORTAGE, MI | 31 | $ 3,095,000 | $ 99,000 | $ 0 |
| PUNTA GORDA, FL | 31 | $ 3,217,000 | $ 103,000 | $ 26,000 |
| RACINE, WI | 31 | $ 1,720,000 | $ 55,000 | $ 0 |
| CHARLOTTESVILLE, VA | 30 | $ 2,564,000 | $ 85,000 | $ 0 |
| FARGO, ND-MN | 30 | $ 1,348,000 | $ 44,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 30 | $ 1,586,000 | $ 52,000 | $ 0 |
| ST. CLOUD, MN | 30 | $ 1,326,000 | $ 44,000 | $ 0 |
| WINCHESTER, VA-WV | 30 | $ 2,103,000 | $ 70,000 | $ 21,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 29 | $ 4,060,000 | $ 140,000 | $ 0 |
| KENNEWICK-RICHLAND-PASCO, WA | 29 | $ 1,453,000 | $ 50,000 | $ 0 |
| MEDFORD, OR | 29 | $ 2,404,000 | $ 82,000 | $ 0 |
| ROCHESTER, MN | 29 | $ 1,644,000 | $ 56,000 | $ 0 |
| LONGVIEW, WA | 28 | $ 1,316,000 | $ 47,000 | $ 0 |
| ST. GEORGE, UT | 28 | $ 1,602,000 | $ 57,000 | $ 0 |
| YUMA, AZ | 28 | $ 1,824,000 | $ 65,000 | $ 0 |
| CHICO, CA | 27 | $ 1,998,000 | $ 74,000 | $ 49,000 |
| TERRE HAUTE, IN | 27 | $ 1,756,000 | $ 65,000 | $ 11,000 |
| CHARLESTON, WV | 26 | $ 1,591,000 | $ 61,000 | $ 10,000 |
| CLEVELAND, TN | 26 | $ 991,000 | $ 38,000 | $ 0 |
| DULUTH, MN-WI | 26 | $ 1,591,000 | $ 61,000 | $ 17,000 |
| TOPEKA, KS | 26 | $ 1,230,000 | $ 47,000 | $ 0 |
| BELLINGHAM, WA | 25 | $ 2,356,000 | $ 94,000 | $ 0 |
| BINGHAMTON, NY | 25 | $ 1,648,000 | $ 65,000 | $ 45,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 25 | $ 2,245,000 | $ 89,000 | $ 4,000 |
| REDDING, CA | 25 | $ 1,877,000 | $ 75,000 | $ 0 |
| SPRINGFIELD, MO | 25 | $ 1,276,000 | $ 51,000 | $ 0 |
| WARNER ROBINS, GA | 25 | $ 1,878,000 | $ 75,000 | $ 0 |
| ANDERSON, SC | 24 | $ 1,652,000 | $ 68,000 | $ 50,000 |
| APPLETON, WI | 24 | $ 1,464,000 | $ 61,000 | $ 14,000 |
| COLUMBUS, GA-AL | 24 | $ 1,988,000 | $ 82,000 | $ 0 |
| GREEN BAY, WI | 24 | $ 1,853,000 | $ 77,000 | $ 0 |
| MACON, GA | 24 | $ 1,416,000 | $ 59,000 | $ 19,000 |
| CLARKSVILLE, TN-KY | 23 | $ 1,228,000 | $ 53,000 | $ 0 |
| CORVALLIS, OR | 23 | $ 2,148,000 | $ 93,000 | $ 0 |
| PITTSFIELD, MA | 23 | $ 3,863,000 | $ 167,000 | $ 41,000 |
| BANGOR, ME | 22 | $ 1,190,000 | $ 54,000 | $ 67,000 |
| JOHNSON CITY, TN | 22 | $ 812,000 | $ 36,000 | $ 2,000 |
| SALISBURY, MD | 22 | $ 1,723,000 | $ 78,000 | $ 37,000 |
| ANDERSON, IN | 21 | $ 1,257,000 | $ 59,000 | $ 38,000 |
| FAYETTEVILLE, NC | 21 | $ 934,000 | $ 44,000 | $ 0 |
| GAINESVILLE, FL | 21 | $ 2,654,000 | $ 126,000 | $ 33,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 21 | $ 4,599,000 | $ 219,000 | $ 0 |
| YAKIMA, WA | 21 | $ 700,000 | $ 33,000 | $ 0 |
| ALTOONA, PA | 20 | $ 1,570,000 | $ 78,000 | $ 39,000 |
| HOLLAND-GRAND HAVEN, MI | 20 | $ 1,227,000 | $ 61,000 | $ 0 |
| JACKSON, MI | 20 | $ 1,531,000 | $ 76,000 | $ 0 |
| NAPA, CA | 20 | $ 3,748,000 | $ 187,000 | $ 2,000 |
| RAPID CITY, SD | 20 | $ 1,005,000 | $ 50,000 | $ 0 |
| BEAUMONT-PORT ARTHUR, TX | 19 | $ 946,000 | $ 49,000 | $ 0 |
| BURLINGTON, NC | 19 | $ 1,567,000 | $ 82,000 | $ 30,000 |
| COEUR D'ALENE, ID | 19 | $ 1,463,000 | $ 77,000 | $ 0 |
| NILES-BENTON HARBOR, MI | 19 | $ 1,497,000 | $ 78,000 | $ 26,000 |
| PANAMA CITY-LYNN HAVEN, FL | 19 | $ 1,633,000 | $ 85,000 | $ 9,000 |
| SANTA CRUZ-WATSONVILLE, CA | 19 | $ 3,404,000 | $ 179,000 | $ 0 |
| MCALLEN-EDINBURG-PHARR, TX | 18 | $ 1,152,000 | $ 64,000 | $ 0 |
| MICHIGAN CITY-LA PORTE, IN | 18 | $ 1,360,000 | $ 75,000 | $ 18,000 |
| MONROE, MI | 18 | $ 1,400,000 | $ 77,000 | $ 19,000 |
| PUEBLO, CO | 18 | $ 1,276,000 | $ 70,000 | $ 0 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 17 | $ 1,348,000 | $ 79,000 | $ 17,000 |
| FLAGSTAFF, AZ | 17 | $ 1,339,000 | $ 78,000 | $ 0 |
| HANFORD-CORCORAN, CA | 17 | $ 744,000 | $ 43,000 | $ 0 |
| JACKSONVILLE, NC | 17 | $ 1,295,000 | $ 76,000 | $ 44,000 |
| ERIE, PA | 16 | $ 899,000 | $ 56,000 | $ 36,000 |
| MANSFIELD, OH | 16 | $ 1,348,000 | $ 84,000 | $ 0 |
| MUSKEGON-NORTON SHORES, MI | 16 | $ 785,000 | $ 49,000 | $ 0 |
| PEORIA, IL | 16 | $ 1,153,000 | $ 72,000 | $ 0 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 15 | $ 1,966,000 | $ 131,000 | $ 19,000 |
| EAU CLAIRE, WI | 15 | $ 745,000 | $ 49,000 | $ 0 |
| GAINESVILLE, GA | 15 | $ 1,114,000 | $ 74,000 | $ 27,000 |
| MOUNT VERNON-ANACORTES, WA | 15 | $ 911,000 | $ 60,000 | $ 0 |
| ST. JOSEPH, MO-KS | 15 | $ 742,000 | $ 49,000 | $ 0 |
| BATTLE CREEK, MI | 14 | $ 734,000 | $ 52,000 | $ 0 |
| CASPER, WY | 14 | $ 462,000 | $ 33,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 14 | $ 641,000 | $ 45,000 | $ 0 |
| KOKOMO, IN | 14 | $ 987,000 | $ 70,000 | $ 9,000 |
| LAS CRUCES, NM | 14 | $ 775,000 | $ 55,000 | $ 0 |
| MUNCIE, IN | 14 | $ 1,172,000 | $ 83,000 | $ 14,000 |
| SPRINGFIELD, OH | 14 | $ 1,182,000 | $ 84,000 | $ 0 |
| WATERLOO-CEDAR FALLS, IA | 14 | $ 515,000 | $ 36,000 | $ 0 |
| WAUSAU, WI | 14 | $ 622,000 | $ 44,000 | $ 0 |
| GREENVILLE, NC | 13 | $ 958,000 | $ 73,000 | $ 29,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 13 | $ 652,000 | $ 50,000 | $ 0 |
| CHAMPAIGN-URBANA, IL | 12 | $ 800,000 | $ 66,000 | $ 0 |
| IDAHO FALLS, ID | 12 | $ 1,448,000 | $ 120,000 | $ 0 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 12 | $ 410,000 | $ 34,000 | $ 0 |
| MISSOULA, MT | 12 | $ 2,059,000 | $ 171,000 | $ 0 |
| SHEBOYGAN, WI | 12 | $ 1,077,000 | $ 89,000 | $ 40,000 |
| ATHENS-CLARKE COUNTY, GA | 11 | $ 1,247,000 | $ 113,000 | $ 0 |
| COLUMBUS, IN | 11 | $ 634,000 | $ 57,000 | $ 0 |
| FLORENCE, SC | 11 | $ 434,000 | $ 39,000 | $ 0 |
| IOWA CITY, IA | 11 | $ 813,000 | $ 73,000 | $ 0 |
| LAFAYETTE, IN | 11 | $ 913,000 | $ 83,000 | $ 24,000 |
| LEWISTON-AUBURN, ME | 11 | $ 1,046,000 | $ 95,000 | $ 10,000 |
| MORRISTOWN, TN | 11 | $ 753,000 | $ 68,000 | $ 0 |
| SANTA FE, NM | 11 | $ 3,518,000 | $ 319,000 | $ 0 |
| AMARILLO, TX | 10 | $ 503,000 | $ 50,000 | $ 0 |
| CORPUS CHRISTI, TX | 10 | $ 284,000 | $ 28,000 | $ 0 |
| DALTON, GA | 10 | $ 692,000 | $ 69,000 | $ 0 |
| DANVILLE, VA | 10 | $ 677,000 | $ 67,000 | $ 0 |
| HARRISONBURG, VA | 10 | $ 443,000 | $ 44,000 | $ 0 |
| JACKSON, TN | 10 | $ 460,000 | $ 46,000 | $ 0 |
| LOGAN, UT-ID | 10 | $ 589,000 | $ 58,000 | $ 0 |
| SPRINGFIELD, IL | 10 | $ 539,000 | $ 53,000 | $ 34,000 |
| TYLER, TX | 10 | $ 347,000 | $ 34,000 | $ 0 |
| OWENSBORO, KY | 9 | $ 401,000 | $ 44,000 | $ 0 |
| BOWLING GREEN, KY | 8 | $ 795,000 | $ 99,000 | $ 0 |
| BRUNSWICK, GA | 8 | $ 476,000 | $ 59,000 | $ 0 |
| CHEYENNE, WY | 8 | $ 291,000 | $ 36,000 | $ 0 |
| DUBUQUE, IA | 8 | $ 1,008,000 | $ 126,000 | $ 0 |
| HINESVILLE-FORT STEWART, GA | 8 | $ 526,000 | $ 65,000 | $ 23,000 |
| JOHNSTOWN, PA | 8 | $ 565,000 | $ 70,000 | $ 31,000 |
| JOPLIN, MO | 8 | $ 458,000 | $ 57,000 | $ 0 |
| LAWRENCE, KS | 8 | $ 982,000 | $ 122,000 | $ 20,000 |
| POCATELLO, ID | 8 | $ 432,000 | $ 54,000 | $ 0 |
| ROCKY MOUNT, NC | 8 | $ 657,000 | $ 82,000 | $ 21,000 |
| SANDUSKY, OH | 8 | $ 533,000 | $ 66,000 | $ 0 |
| VERO BEACH, FL | 8 | $ 713,000 | $ 89,000 | $ 0 |
| AMES, IA | 7 | $ 234,000 | $ 33,000 | $ 18,000 |
| BILLINGS, MT | 7 | $ 598,000 | $ 85,000 | $ 0 |
| BISMARCK, ND | 7 | $ 205,000 | $ 29,000 | $ 0 |
| BLOOMINGTON-NORMAL, IL | 7 | $ 321,000 | $ 45,000 | $ 0 |
| COLUMBIA, MO | 7 | $ 387,000 | $ 55,000 | $ 0 |
| ELIZABETHTOWN, KY | 7 | $ 300,000 | $ 42,000 | $ 0 |
| FOND DU LAC, WI | 7 | $ 394,000 | $ 56,000 | $ 0 |
| GOLDSBORO, NC | 7 | $ 339,000 | $ 48,000 | $ 0 |
| GRAND JUNCTION, CO | 7 | $ 534,000 | $ 76,000 | $ 0 |
| GULFPORT-BILOXI, MS | 7 | $ 288,000 | $ 41,000 | $ 0 |
| HATTIESBURG, MS | 7 | $ 762,000 | $ 108,000 | $ 0 |
| ITHACA, NY | 7 | $ 566,000 | $ 80,000 | $ 97,000 |
| KANKAKEE-BRADLEY, IL | 7 | $ 352,000 | $ 50,000 | $ 0 |
| LA CROSSE, WI-MN | 7 | $ 337,000 | $ 48,000 | $ 0 |
| LAREDO, TX | 7 | $ 306,000 | $ 43,000 | $ 0 |
| SHERMAN-DENISON, TX | 7 | $ 273,000 | $ 39,000 | $ 0 |
| COLLEGE STATION-BRYAN, TX | 6 | $ 171,000 | $ 28,000 | $ 0 |
| CUMBERLAND, MD-WV | 6 | $ 370,000 | $ 61,000 | $ 0 |
| ELMIRA, NY | 6 | $ 225,000 | $ 37,000 | $ 0 |
| GREAT FALLS, MT | 6 | $ 692,000 | $ 115,000 | $ 0 |
| JEFFERSON CITY, MO | 6 | $ 596,000 | $ 99,000 | $ 0 |
| PASCAGOULA, MS | 6 | $ 242,000 | $ 40,000 | $ 0 |
| SAN ANGELO, TX | 6 | $ 143,000 | $ 23,000 | $ 0 |
| SIOUX CITY, IA-NE-SD | 6 | $ 165,000 | $ 27,000 | $ 0 |
| WENATCHEE, WA | 6 | $ 346,000 | $ 57,000 | $ 0 |
| ALBANY, GA | 5 | $ 262,000 | $ 52,000 | $ 0 |
| BAY CITY, MI | 5 | $ 342,000 | $ 68,000 | $ 6,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 5 | $ 150,000 | $ 30,000 | $ 0 |
| LEWISTON, ID-WA | 5 | $ 222,000 | $ 44,000 | $ 0 |
| LUBBOCK, TX | 5 | $ 165,000 | $ 33,000 | $ 0 |
| PARKERSBURG-MARIETTA, WV-OH | 5 | $ 154,000 | $ 30,000 | $ 0 |
| SUMTER, SC | 5 | $ 302,000 | $ 60,000 | $ 0 |
| CARSON CITY, NV | 4 | $ 173,000 | $ 43,000 | $ 0 |
| DANVILLE, IL | 4 | $ 287,000 | $ 71,000 | $ 0 |
| FARMINGTON, NM | 4 | $ 540,000 | $ 135,000 | $ 0 |
| MORGANTOWN, WV | 4 | $ 171,000 | $ 42,000 | $ 47,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 4 | $ 515,000 | $ 128,000 | $ 9,000 |
| SHREVEPORT-BOSSIER CITY, LA | 4 | $ 107,000 | $ 26,000 | $ 0 |
| VALDOSTA, GA | 4 | $ 354,000 | $ 88,000 | $ 0 |
| BROWNSVILLE-HARLINGEN, TX | 3 | $ 91,000 | $ 30,000 | $ 0 |
| LIMA, OH | 3 | $ 217,000 | $ 72,000 | $ 0 |
| LONGVIEW, TX | 3 | $ 63,000 | $ 21,000 | $ 0 |
| SAN JUAN-CAGUAS-GUAYNABO, PR | 3 | $ 277,000 | $ 92,000 | $ 0 |
| TEXARKANA, TX-TEXARKANA, AR | 3 | $ 52,000 | $ 17,000 | $ 0 |
| VICTORIA, TX | 3 | $ 180,000 | $ 60,000 | $ 0 |
| WACO, TX | 3 | $ 121,000 | $ 40,000 | $ 0 |
| WHEELING, WV-OH | 3 | $ 149,000 | $ 49,000 | $ 0 |
| ABILENE, TX | 2 | $ 112,000 | $ 56,000 | $ 0 |
| DECATUR, IL | 2 | $ 70,000 | $ 35,000 | $ 0 |
| HONOLULU, HI | 2 | $ 205,000 | $ 102,000 | $ 0 |
| LAWTON, OK | 2 | $ 119,000 | $ 59,000 | $ 0 |
| MIDLAND, TX | 2 | $ 106,000 | $ 53,000 | $ 0 |
| ODESSA, TX | 2 | $ 103,000 | $ 51,000 | $ 0 |
| TUSCALOOSA, AL | 2 | $ 540,000 | $ 270,000 | $ 85,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 2 | $ 109,000 | $ 54,000 | $ 0 |
| BATON ROUGE, LA | 1 | $ 18,000 | $ 18,000 | $ 0 |
| BIRMINGHAM-HOOVER, AL | 1 | $ 199,000 | $ 199,000 | $ 0 |
| DECATUR, AL | 1 | $ 72,000 | $ 72,000 | $ 0 |
| DOTHAN, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| GADSDEN, AL | 1 | $ 100,000 | $ 100,000 | $ 0 |
| HUNTSVILLE, AL | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| MONTGOMERY, AL | 1 | $ 208,000 | $ 208,000 | $ 81,000 |
| ROME, GA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| WICHITA FALLS, TX | 1 | $ 37,000 | $ 37,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sovereign Bank in 2004
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 | 41,909 | $4,686,111,000 | $85,538 | $6,000,000 | $18,442 | $3,204,000 |
| Refinancing | 36,036 | $4,863,105,000 | $108,666 | $9,770,000 | $29,354 | $9,691,000 |
| Home Improvement | 6,199 | $393,463,000 | $58,173 | $2,078,000 | $24,152 | $4,628,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 43,950 | $3,742,491,000 | $78,666 | $9,770,000 | $803 | $1,250,000 |
| White | 30,939 | $4,911,151,000 | $146,595 | $6,000,000 | $79,000 | $4,628,000 |
| Not Provided | 2,813 | $374,014,000 | $104,054 | $2,000,000 | $55,081 | $842,000 |
| Hispanic | 2,419 | $342,570,000 | $145,681 | $750,000 | $50,409 | $9,691,000 |
| Black or African American | 2,332 | $298,704,000 | $145,375 | $1,100,000 | $50,708 | $3,426,000 |
| Asian | 1,518 | $250,151,000 | $179,391 | $974,000 | $61,956 | $688,000 |
| American Indian or Alaskan Native | 101 | $12,779,000 | $108,666 | $1,350,000 | $55,166 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 72 | $10,819,000 | $203,133 | $595,000 | $71,733 | $513,000 |
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) | 83,414 | $9,841,973,000 | $91,903 | $9,770,000 | $23,442 | $9,691,000 |
| FHA-insured (Federal Housing Administration) | 685 | $93,664,000 | $155,181 | $441,000 | $56,818 | $430,000 |
| VA-guaranteed (Veterans Administration) | 43 | $6,619,000 | $156,375 | $321,000 | $62,125 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $423,000 | $211,000 | $238,000 | $81,000 | $87,000 |
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 Purchased By The Institution | 43,833 | $3,695,926,000 | $77,627 | $2,000,000 | $1,039 | $538,000 |
| Loan Originated | 30,179 | $4,785,087,000 | $156,868 | $9,770,000 | $81,789 | $9,691,000 |
| Application Denied By Financial Institution | 5,102 | $597,266,000 | $99,536 | $3,000,000 | $55,243 | $3,426,000 |
| Application Approved But Not Accepted | 3,570 | $602,008,000 | $140,392 | $3,500,000 | $63,142 | $1,400,000 |
| Application Withdrawn By Applicant | 1,061 | $200,889,000 | $159,772 | $2,000,000 | $79,227 | $4,628,000 |
| Preapproval Denied by Financial Institution | 283 | $37,283,000 | $131,000 | $450,000 | $41,000 | $150,000 |
| File Closed For Incompleteness | 116 | $24,220,000 | $200,400 | $1,600,000 | $39,066 | $216,000 |
| 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 | 2,244 | $221,783,000 | $91,600 | $3,000,000 | $61,600 | $3,426,000 |
| Debt-To-Income Ratio | 1,216 | $151,440,000 | $121,925 | $1,350,000 | $47,740 | $828,000 |
| Collateral | 728 | $91,705,000 | $110,357 | $700,000 | $65,321 | $700,000 |
| Other | 601 | $80,906,000 | $109,857 | $800,000 | $57,678 | $923,000 |
| Credit Application Incomplete | 267 | $52,533,000 | $165,142 | $1,450,000 | $53,285 | $600,000 |
| Mortgage Insurance Denied | 140 | $10,692,000 | $80,000 | $400,000 | $61,307 | $266,000 |
| Unverifiable Information | 119 | $16,519,000 | $103,090 | $500,000 | $45,909 | $185,000 |
| Employment History | 40 | $4,920,000 | $124,833 | $334,000 | $29,250 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 30 | $4,051,000 | $153,142 | $334,000 | $64,142 | $207,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sovereign Bank's 2004 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.