Sovereign Bank Mortgage Lending & HMDA Data, 2005
In 2005, Sovereign Bank of Wyomissing, PA reported 108,929 mortgage applications totaling $15.5 billion, up 29% from 2004. The average application was for $142,010, and applicants reported an average income of $50,404. 44% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Philadelphia, PA (7,881), Edison, NJ (5,264) and Chicago-Naperville-Joliet, IL (4,547) (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 | 108,929 |
| Total Mortgage Loan Application Amount | $15,469,095,000 |
| Average Mortgage Loan Application Amount | $142,010 |
| Highest Mortgage Loan Application Amount | $17,900,000 |
| Average Applicant Income | $50,404 |
| Highest Applicant Income | $9,790,000 |
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Act (HMDA) records Sovereign Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 7,881 | $ 1,125,249,000 | $ 142,779 | $ 67,000 |
| Edison, NJ | 5,264 | $ 737,002,000 | $ 140,007 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 4,547 | $ 815,394,000 | $ 179,325 | $ 60,000 |
| Boston-Quincy, MA | 4,002 | $ 782,216,000 | $ 195,456 | $ 72,000 |
| Providence-New Bedford-Fall River, RI-MA | 3,325 | $ 476,238,000 | $ 143,229 | $ 68,000 |
| Cambridge-Newton-Framingham, MA | 2,200 | $ 404,906,000 | $ 184,048 | $ 94,000 |
| Newark-Union, NJ-PA | 2,173 | $ 343,843,000 | $ 158,234 | $ 71,000 |
| Hartford-West Hartford-East Hartford, CT | 2,151 | $ 333,325,000 | $ 154,962 | $ 68,000 |
| Reading, PA | 1,915 | $ 188,501,000 | $ 98,433 | $ 44,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,628 | $ 131,868,000 | $ 81,000 | $ 34,000 |
| Worcester, MA | 1,616 | $ 238,513,000 | $ 147,594 | $ 73,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,498 | $ 122,739,000 | $ 81,935 | $ 53,000 |
| Essex County, MA | 1,472 | $ 245,024,000 | $ 166,456 | $ 73,000 |
| Lancaster, PA | 1,449 | $ 156,980,000 | $ 108,336 | $ 65,000 |
| Harrisburg-Carlisle, PA | 1,436 | $ 138,157,000 | $ 96,209 | $ 57,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,313 | $ 333,155,000 | $ 253,735 | $ 52,000 |
| York-Hanover, PA | 1,273 | $ 119,183,000 | $ 93,623 | $ 60,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1,265 | $ 134,431,000 | $ 106,269 | $ 53,000 |
| Albany-Schenectady-Troy, NY | 1,213 | $ 177,445,000 | $ 146,286 | $ 63,000 |
| Camden, NJ | 1,174 | $ 144,530,000 | $ 123,109 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,105 | $ 98,545,000 | $ 89,180 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 1,104 | $ 143,513,000 | $ 129,993 | $ 78,000 |
| Oakland-Fremont-Hayward, CA | 1,083 | $ 435,322,000 | $ 401,959 | $ 32,000 |
| Indianapolis, IN | 1,074 | $ 131,792,000 | $ 122,711 | $ 51,000 |
| Baltimore-Towson, MD | 1,073 | $ 135,044,000 | $ 125,856 | $ 53,000 |
| Denver-Aurora, CO | 1,051 | $ 83,048,000 | $ 79,018 | $ 23,000 |
| Barnstable Town, MA | 1,032 | $ 254,597,000 | $ 246,702 | $ 81,000 |
| St. Louis, MO-IL | 945 | $ 97,741,000 | $ 103,429 | $ 50,000 |
| New York-Wayne-White Plains, NY-NJ | 836 | $ 212,046,000 | $ 253,643 | $ 88,000 |
| Warren-Farmington Hills-Troy, MI | 834 | $ 116,292,000 | $ 139,438 | $ 46,000 |
| Las Vegas-Paradise, NV | 781 | $ 75,229,000 | $ 96,323 | $ 41,000 |
| Trenton-Ewing, NJ | 764 | $ 91,128,000 | $ 119,277 | $ 72,000 |
| Orlando, FL | 737 | $ 78,504,000 | $ 106,518 | $ 29,000 |
| Miami-Miami Beach-Kendall, FL | 692 | $ 64,910,000 | $ 93,800 | $ 53,000 |
| Tampa-St. Petersburg-Clearwater, FL | 648 | $ 51,214,000 | $ 79,033 | $ 47,000 |
| San Diego-Carlsbad-San Marcos, CA | 623 | $ 151,573,000 | $ 243,295 | $ 49,000 |
| New Haven-Milford, CT | 599 | $ 77,313,000 | $ 129,070 | $ 59,000 |
| Nassau-Suffolk, NY | 587 | $ 149,700,000 | $ 255,025 | $ 47,000 |
| Raleigh-Cary, NC | 587 | $ 92,399,000 | $ 157,408 | $ 47,000 |
| Charlotte-Gastonia-Concord, NC-SC | 586 | $ 63,481,000 | $ 108,329 | $ 45,000 |
| Rockingham County-Strafford County, NH | 565 | $ 85,697,000 | $ 151,676 | $ 82,000 |
| Seattle-Bellevue-Everett, WA | 557 | $ 78,861,000 | $ 141,581 | $ 31,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 550 | $ 72,496,000 | $ 131,810 | $ 67,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 545 | $ 102,045,000 | $ 187,238 | $ 30,000 |
| Milwaukee-Waukesha-West Allis, WI | 538 | $ 46,795,000 | $ 86,979 | $ 42,000 |
| Williamsport, PA | 533 | $ 40,190,000 | $ 75,403 | $ 57,000 |
| Bridgeport-Stamford-Norwalk, CT | 525 | $ 139,395,000 | $ 265,514 | $ 64,000 |
| Portland-Vancouver-Beaverton, OR-WA | 513 | $ 42,860,000 | $ 83,547 | $ 13,000 |
| Springfield, MA | 503 | $ 61,720,000 | $ 122,703 | $ 53,000 |
| Wilmington, DE-MD-NJ | 497 | $ 72,637,000 | $ 146,150 | $ 51,000 |
| Lake County-Kenosha County, IL-WI | 491 | $ 104,410,000 | $ 212,647 | $ 69,000 |
| Houston-Baytown-Sugar Land, TX | 488 | $ 45,543,000 | $ 93,325 | $ 9,000 |
| Dallas-Plano-Irving, TX | 472 | $ 54,302,000 | $ 115,046 | $ 3,000 |
| Manchester-Nashua, NH | 459 | $ 58,243,000 | $ 126,891 | $ 69,000 |
| Kansas City, MO-KS | 444 | $ 41,930,000 | $ 94,436 | $ 50,000 |
| Santa Ana-Anaheim-Irvine, CA | 444 | $ 157,133,000 | $ 353,903 | $ 66,000 |
| Bethesda-Frederick-Gaithersburg, MD | 434 | $ 95,599,000 | $ 220,274 | $ 62,000 |
| Pittsburgh, PA | 414 | $ 31,334,000 | $ 75,685 | $ 48,000 |
| Cincinnati-Middletown, OH-KY-IN | 411 | $ 29,933,000 | $ 72,829 | $ 34,000 |
| Detroit-Livonia-Dearborn, MI | 409 | $ 38,462,000 | $ 94,039 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 398 | $ 31,372,000 | $ 78,824 | $ 20,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 380 | $ 64,310,000 | $ 169,236 | $ 39,000 |
| Lebanon, PA | 379 | $ 39,498,000 | $ 104,216 | $ 47,000 |
| Gary, IN | 372 | $ 41,593,000 | $ 111,809 | $ 47,000 |
| Columbus, OH | 368 | $ 31,797,000 | $ 86,404 | $ 19,000 |
| Cape Coral-Fort Myers, FL | 353 | $ 47,740,000 | $ 135,240 | $ 25,000 |
| Fort Wayne, IN | 345 | $ 34,085,000 | $ 98,797 | $ 37,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 340 | $ 32,814,000 | $ 96,511 | $ 33,000 |
| Scranton--Wilkes-Barre, PA | 330 | $ 31,472,000 | $ 95,369 | $ 56,000 |
| Bloomington, IN | 327 | $ 43,609,000 | $ 133,360 | $ 50,000 |
| Evansville, IN-KY | 311 | $ 33,562,000 | $ 107,916 | $ 40,000 |
| Salt Lake City, UT | 298 | $ 16,789,000 | $ 56,338 | $ 13,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 298 | $ 128,834,000 | $ 432,328 | $ 44,000 |
| Nashville-Davidson--Murfreesboro, TN | 283 | $ 22,475,000 | $ 79,416 | $ 16,000 |
| Ocean City, NJ | 283 | $ 110,088,000 | $ 389,003 | $ 125,000 |
| San Francisco-San Mateo-Redwood City, CA | 272 | $ 139,698,000 | $ 513,595 | $ 22,000 |
| Jacksonville, FL | 270 | $ 24,620,000 | $ 91,185 | $ 24,000 |
| Atlantic City, NJ | 268 | $ 61,335,000 | $ 228,861 | $ 91,000 |
| Richmond, VA | 250 | $ 24,014,000 | $ 96,056 | $ 31,000 |
| Greensboro-High Point, NC | 230 | $ 22,384,000 | $ 97,321 | $ 34,000 |
| Stockton, CA | 230 | $ 33,669,000 | $ 146,386 | $ 24,000 |
| Modesto, CA | 228 | $ 22,177,000 | $ 97,267 | $ 17,000 |
| Tucson, AZ | 221 | $ 15,823,000 | $ 71,597 | $ 45,000 |
| Fort Worth-Arlington, TX | 220 | $ 15,956,000 | $ 72,527 | $ 0 |
| Colorado Springs, CO | 219 | $ 16,192,000 | $ 73,936 | $ 42,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 206 | $ 33,139,000 | $ 160,868 | $ 54,000 |
| Fresno, CA | 202 | $ 16,787,000 | $ 83,103 | $ 47,000 |
| Tacoma, WA | 202 | $ 15,217,000 | $ 75,331 | $ 7,000 |
| Louisville, KY-IN | 195 | $ 15,950,000 | $ 81,794 | $ 30,000 |
| Burlington-South Burlington, VT | 187 | $ 28,619,000 | $ 153,042 | $ 64,000 |
| Port St. Lucie-Fort Pierce, FL | 184 | $ 32,397,000 | $ 176,070 | $ 26,000 |
| Toledo, OH | 183 | $ 13,395,000 | $ 73,196 | $ 34,000 |
| Akron, OH | 182 | $ 14,590,000 | $ 80,164 | $ 22,000 |
| Memphis, TN-MS-AR | 178 | $ 27,395,000 | $ 153,904 | $ 20,000 |
| Hagerstown-Martinsburg, MD-WV | 177 | $ 22,653,000 | $ 127,983 | $ 51,000 |
| Durham, NC | 176 | $ 27,471,000 | $ 156,085 | $ 40,000 |
| Bakersfield, CA | 174 | $ 15,653,000 | $ 89,959 | $ 66,000 |
| Birmingham-Hoover, AL | 174 | $ 19,185,000 | $ 110,258 | $ 37,000 |
| Portland-South Portland-Biddeford, ME | 173 | $ 27,483,000 | $ 158,861 | $ 78,000 |
| Montgomery, AL | 172 | $ 25,637,000 | $ 149,052 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 161 | $ 22,523,000 | $ 139,894 | $ 17,000 |
| Canton-Massillon, OH | 157 | $ 14,911,000 | $ 94,974 | $ 34,000 |
| Norwich-New London, CT | 157 | $ 27,291,000 | $ 173,828 | $ 68,000 |
| Buffalo-Niagara Falls, NY | 155 | $ 11,105,000 | $ 71,645 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 153 | $ 9,687,000 | $ 63,313 | $ 43,000 |
| Naples-Marco Island, FL | 146 | $ 45,765,000 | $ 313,458 | $ 55,000 |
| State College, PA | 145 | $ 24,012,000 | $ 165,600 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 143 | $ 17,167,000 | $ 120,048 | $ 31,000 |
| Austin-Round Rock, TX | 142 | $ 19,673,000 | $ 138,542 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 142 | $ 42,764,000 | $ 301,154 | $ 52,000 |
| Glens Falls, NY | 134 | $ 15,534,000 | $ 115,925 | $ 47,000 |
| Albuquerque, NM | 133 | $ 10,005,000 | $ 75,225 | $ 23,000 |
| Springfield, MO | 133 | $ 11,536,000 | $ 86,736 | $ 43,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 128 | $ 44,865,000 | $ 350,507 | $ 58,000 |
| Boise City-Nampa, ID | 127 | $ 8,751,000 | $ 68,905 | $ 3,000 |
| Huntsville, AL | 119 | $ 15,957,000 | $ 134,092 | $ 90,000 |
| South Bend-Mishawaka, IN-MI | 119 | $ 11,581,000 | $ 97,319 | $ 30,000 |
| Wichita, KS | 119 | $ 9,643,000 | $ 81,033 | $ 45,000 |
| Columbia, SC | 117 | $ 7,302,000 | $ 62,410 | $ 18,000 |
| Charleston-North Charleston, SC | 116 | $ 14,546,000 | $ 125,396 | $ 37,000 |
| Ogden-Clearfield, UT | 116 | $ 5,396,000 | $ 46,517 | $ 0 |
| Salem, OR | 116 | $ 6,372,000 | $ 54,931 | $ 11,000 |
| Sarasota-Bradenton-Venice, FL | 115 | $ 19,396,000 | $ 168,660 | $ 39,000 |
| Knoxville, TN | 111 | $ 5,595,000 | $ 50,405 | $ 0 |
| Provo-Orem, UT | 111 | $ 6,837,000 | $ 61,594 | $ 18,000 |
| Lakeland, FL | 110 | $ 7,514,000 | $ 68,309 | $ 33,000 |
| Reno-Sparks, NV | 110 | $ 22,567,000 | $ 205,154 | $ 45,000 |
| Winston-Salem, NC | 108 | $ 9,385,000 | $ 86,898 | $ 32,000 |
| Eugene-Springfield, OR | 105 | $ 8,128,000 | $ 77,409 | $ 12,000 |
| Madison, WI | 102 | $ 7,971,000 | $ 78,147 | $ 17,000 |
| Asheville, NC | 101 | $ 10,002,000 | $ 99,029 | $ 13,000 |
| Des Moines, IA | 101 | $ 8,559,000 | $ 84,742 | $ 26,000 |
| Omaha-Council Bluffs, NE-IA | 100 | $ 5,079,000 | $ 50,790 | $ 27,000 |
| Vallejo-Fairfield, CA | 100 | $ 21,942,000 | $ 219,420 | $ 49,000 |
| Merced, CA | 96 | $ 8,235,000 | $ 85,781 | $ 40,000 |
| Dayton, OH | 94 | $ 6,416,000 | $ 68,255 | $ 15,000 |
| Flint, MI | 91 | $ 7,116,000 | $ 78,197 | $ 37,000 |
| Greeley, CO | 91 | $ 6,580,000 | $ 72,307 | $ 32,000 |
| Wilmington, NC | 91 | $ 15,029,000 | $ 165,153 | $ 48,000 |
| Tulsa, OK | 89 | $ 4,232,000 | $ 47,550 | $ 18,000 |
| Savannah, GA | 88 | $ 9,149,000 | $ 103,965 | $ 30,000 |
| Greenville, SC | 87 | $ 4,458,000 | $ 51,241 | $ 23,000 |
| Lansing-East Lansing, MI | 80 | $ 6,257,000 | $ 78,212 | $ 19,000 |
| Oklahoma City, OK | 79 | $ 5,376,000 | $ 68,050 | $ 3,000 |
| Ann Arbor, MI | 78 | $ 14,811,000 | $ 189,884 | $ 89,000 |
| San Antonio, TX | 78 | $ 8,805,000 | $ 112,884 | $ 0 |
| Utica-Rome, NY | 76 | $ 8,094,000 | $ 106,500 | $ 149,000 |
| Visalia-Porterville, CA | 74 | $ 6,518,000 | $ 88,081 | $ 11,000 |
| Dover, DE | 73 | $ 9,986,000 | $ 136,794 | $ 40,000 |
| Elkhart-Goshen, IN | 66 | $ 5,040,000 | $ 76,363 | $ 36,000 |
| Lafayette, IN | 66 | $ 6,239,000 | $ 94,530 | $ 41,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 66 | $ 7,839,000 | $ 118,772 | $ 53,000 |
| Fort Collins-Loveland, CO | 65 | $ 5,371,000 | $ 82,630 | $ 35,000 |
| Hickory-Lenoir-Morganton, NC | 61 | $ 3,874,000 | $ 63,508 | $ 11,000 |
| Roanoke, VA | 61 | $ 3,985,000 | $ 65,327 | $ 26,000 |
| Rochester, NY | 61 | $ 4,719,000 | $ 77,360 | $ 37,000 |
| Ocala, FL | 60 | $ 5,103,000 | $ 85,050 | $ 14,000 |
| Santa Rosa-Petaluma, CA | 59 | $ 22,765,000 | $ 385,847 | $ 116,000 |
| Spokane, WA | 59 | $ 2,598,000 | $ 44,033 | $ 0 |
| El Paso, TX | 58 | $ 2,762,000 | $ 47,620 | $ 0 |
| Green Bay, WI | 58 | $ 4,097,000 | $ 70,637 | $ 27,000 |
| Lexington-Fayette, KY | 58 | $ 2,096,000 | $ 36,137 | $ 18,000 |
| Muncie, IN | 58 | $ 6,443,000 | $ 111,086 | $ 45,000 |
| Pittsfield, MA | 58 | $ 11,058,000 | $ 190,655 | $ 127,000 |
| Chattanooga, TN-GA | 57 | $ 3,001,000 | $ 52,649 | $ 0 |
| Yuba City, CA | 56 | $ 4,868,000 | $ 86,928 | $ 13,000 |
| Boulder, CO | 55 | $ 11,497,000 | $ 209,036 | $ 27,000 |
| Holland-Grand Haven, MI | 54 | $ 3,836,000 | $ 71,037 | $ 46,000 |
| Youngstown-Warren-Boardman, OH-PA | 53 | $ 3,227,000 | $ 60,886 | $ 35,000 |
| Rockford, IL | 52 | $ 4,044,000 | $ 77,769 | $ 27,000 |
| El Centro, CA | 50 | $ 3,199,000 | $ 63,980 | $ 0 |
| Winchester, VA-WV | 48 | $ 3,741,000 | $ 77,937 | $ 52,000 |
| Racine, WI | 47 | $ 3,119,000 | $ 66,361 | $ 0 |
| Olympia, WA | 46 | $ 3,617,000 | $ 78,630 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 46 | $ 5,358,000 | $ 116,478 | $ 53,000 |
| Kingston, NY | 45 | $ 7,506,000 | $ 166,800 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 45 | $ 4,124,000 | $ 91,644 | $ 60,000 |
| Janesville, WI | 43 | $ 2,276,000 | $ 52,930 | $ 17,000 |
| Syracuse, NY | 41 | $ 3,253,000 | $ 79,341 | $ 48,000 |
| Bremerton-Silverdale, WA | 40 | $ 4,708,000 | $ 117,700 | $ 0 |
| Fayetteville, NC | 40 | $ 2,114,000 | $ 52,850 | $ 16,000 |
| Spartanburg, SC | 40 | $ 1,794,000 | $ 44,850 | $ 27,000 |
| St. George, UT | 40 | $ 3,468,000 | $ 86,700 | $ 19,000 |
| Florence-Muscle Shoals, AL | 39 | $ 3,791,000 | $ 97,205 | $ 57,000 |
| Lincoln, NE | 39 | $ 1,881,000 | $ 48,230 | $ 18,000 |
| Redding, CA | 39 | $ 5,012,000 | $ 128,512 | $ 16,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 39 | $ 11,971,000 | $ 306,948 | $ 29,000 |
| Altoona, PA | 37 | $ 3,003,000 | $ 81,162 | $ 47,000 |
| Appleton, WI | 37 | $ 2,211,000 | $ 59,756 | $ 30,000 |
| Cedar Rapids, IA | 37 | $ 1,306,000 | $ 35,297 | $ 10,000 |
| Punta Gorda, FL | 37 | $ 4,375,000 | $ 118,243 | $ 27,000 |
| Fort Walton Beach-Crestview-Destin, FL | 36 | $ 6,660,000 | $ 185,000 | $ 14,000 |
| Tallahassee, FL | 36 | $ 3,413,000 | $ 94,805 | $ 8,000 |
| Charlottesville, VA | 35 | $ 5,340,000 | $ 152,571 | $ 7,000 |
| Kalamazoo-Portage, MI | 35 | $ 4,488,000 | $ 128,228 | $ 62,000 |
| Tuscaloosa, AL | 35 | $ 2,938,000 | $ 83,942 | $ 24,000 |
| Monroe, MI | 34 | $ 3,298,000 | $ 97,000 | $ 23,000 |
| Prescott, AZ | 34 | $ 4,409,000 | $ 129,676 | $ 21,000 |
| St. Cloud, MN | 33 | $ 1,864,000 | $ 56,484 | $ 8,000 |
| Topeka, KS | 33 | $ 1,915,000 | $ 58,030 | $ 24,000 |
| Gainesville, FL | 32 | $ 2,931,000 | $ 91,593 | $ 3,000 |
| Medford, OR | 32 | $ 2,686,000 | $ 83,937 | $ 0 |
| Michigan City-La Porte, IN | 32 | $ 3,353,000 | $ 104,781 | $ 49,000 |
| Anderson, IN | 31 | $ 2,602,000 | $ 83,935 | $ 50,000 |
| Bend, OR | 30 | $ 1,981,000 | $ 66,033 | $ 0 |
| Burlington, NC | 30 | $ 2,207,000 | $ 73,566 | $ 27,000 |
| Jackson, MI | 30 | $ 1,481,000 | $ 49,366 | $ 20,000 |
| Oshkosh-Neenah, WI | 30 | $ 1,639,000 | $ 54,633 | $ 67,000 |
| Saginaw-Saginaw Township North, MI | 30 | $ 1,671,000 | $ 55,700 | $ 7,000 |
| Salinas, CA | 30 | $ 8,447,000 | $ 281,566 | $ 5,000 |
| Erie, PA | 29 | $ 2,720,000 | $ 93,793 | $ 25,000 |
| Gainesville, GA | 29 | $ 4,050,000 | $ 139,655 | $ 21,000 |
| Jackson, MS | 29 | $ 4,203,000 | $ 144,931 | $ 5,000 |
| Santa Fe, NM | 29 | $ 6,979,000 | $ 240,655 | $ 0 |
| Cleveland, TN | 28 | $ 1,449,000 | $ 51,750 | $ 17,000 |
| Pueblo, CO | 27 | $ 1,468,000 | $ 54,370 | $ 0 |
| Rochester, MN | 27 | $ 997,000 | $ 36,925 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 27 | $ 9,051,000 | $ 335,222 | $ 14,000 |
| Athens-Clarke County, GA | 26 | $ 2,438,000 | $ 93,769 | $ 9,000 |
| Augusta-Richmond County, GA-SC | 26 | $ 1,955,000 | $ 75,192 | $ 17,000 |
| Binghamton, NY | 26 | $ 1,481,000 | $ 56,961 | $ 13,000 |
| Chico, CA | 26 | $ 3,936,000 | $ 151,384 | $ 11,000 |
| Fond Du Lac, WI | 26 | $ 2,232,000 | $ 85,846 | $ 161,000 |
| Joplin, MO | 26 | $ 1,596,000 | $ 61,384 | $ 27,000 |
| Kennewick-Richland-Pasco, WA | 26 | $ 1,018,000 | $ 39,153 | $ 0 |
| Lynchburg, VA | 26 | $ 1,763,000 | $ 67,807 | $ 8,000 |
| Grand Junction, CO | 25 | $ 1,173,000 | $ 46,920 | $ 33,000 |
| Lawrence, KS | 25 | $ 2,217,000 | $ 88,680 | $ 23,000 |
| Salisbury, MD | 25 | $ 1,846,000 | $ 73,840 | $ 43,000 |
| Columbus, GA-AL | 24 | $ 1,954,000 | $ 81,416 | $ 14,000 |
| Vero Beach, FL | 24 | $ 4,366,000 | $ 181,916 | $ 74,000 |
| Davenport-Moline-Rock Island, IA-IL | 23 | $ 1,179,000 | $ 51,260 | $ 39,000 |
| Sheboygan, WI | 23 | $ 1,302,000 | $ 56,608 | $ 29,000 |
| Coeur D'Alene, ID | 22 | $ 1,560,000 | $ 70,909 | $ 0 |
| Greenville, NC | 22 | $ 1,755,000 | $ 79,772 | $ 6,000 |
| Longview, WA | 22 | $ 862,000 | $ 39,181 | $ 0 |
| Mobile, AL | 22 | $ 1,047,000 | $ 47,590 | $ 0 |
| Napa, CA | 22 | $ 12,060,000 | $ 548,181 | $ 19,000 |
| Niles-Benton Harbor, MI | 22 | $ 3,655,000 | $ 166,136 | $ 28,000 |
| Panama City-Lynn Haven, FL | 22 | $ 3,425,000 | $ 155,681 | $ 33,000 |
| Terre Haute, IN | 22 | $ 1,087,000 | $ 49,409 | $ 15,000 |
| Yuma, AZ | 22 | $ 1,268,000 | $ 57,636 | $ 19,000 |
| Madera, CA | 21 | $ 1,763,000 | $ 83,952 | $ 40,000 |
| Santa Cruz-Watsonville, CA | 21 | $ 8,787,000 | $ 418,428 | $ 21,000 |
| Duluth, MN-WI | 20 | $ 1,562,000 | $ 78,100 | $ 48,000 |
| Idaho Falls, ID | 20 | $ 786,000 | $ 39,300 | $ 0 |
| Las Cruces, NM | 20 | $ 1,841,000 | $ 92,050 | $ 37,000 |
| Lewiston-Auburn, ME | 20 | $ 1,070,000 | $ 53,500 | $ 46,000 |
| Peoria, IL | 20 | $ 1,874,000 | $ 93,700 | $ 44,000 |
| Wausau, WI | 20 | $ 1,197,000 | $ 59,850 | $ 32,000 |
| Yakima, WA | 20 | $ 2,382,000 | $ 119,100 | $ 0 |
| Brunswick, GA | 19 | $ 1,945,000 | $ 102,368 | $ 0 |
| Jacksonville, NC | 19 | $ 1,200,000 | $ 63,157 | $ 4,000 |
| Kankakee-Bradley, IL | 19 | $ 2,342,000 | $ 123,263 | $ 62,000 |
| Macon, GA | 19 | $ 830,000 | $ 43,684 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 19 | $ 2,278,000 | $ 119,894 | $ 32,000 |
| Sioux Falls, SD | 19 | $ 695,000 | $ 36,578 | $ 0 |
| Waterloo-Cedar Falls, IA | 19 | $ 808,000 | $ 42,526 | $ 0 |
| Cheyenne, WY | 18 | $ 814,000 | $ 45,222 | $ 0 |
| Honolulu, HI | 18 | $ 4,366,000 | $ 242,555 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 18 | $ 1,075,000 | $ 59,722 | $ 0 |
| Rapid City, SD | 18 | $ 701,000 | $ 38,944 | $ 0 |
| Billings, MT | 17 | $ 1,378,000 | $ 81,058 | $ 0 |
| Hanford-Corcoran, CA | 17 | $ 1,438,000 | $ 84,588 | $ 18,000 |
| Johnson City, TN | 17 | $ 801,000 | $ 47,117 | $ 0 |
| Kokomo, IN | 17 | $ 1,168,000 | $ 68,705 | $ 15,000 |
| Springfield, OH | 17 | $ 668,000 | $ 39,294 | $ 23,000 |
| Warner Robins, GA | 17 | $ 887,000 | $ 52,176 | $ 11,000 |
| Amarillo, TX | 16 | $ 1,061,000 | $ 66,312 | $ 0 |
| Auburn-Opelika, AL | 16 | $ 1,663,000 | $ 103,937 | $ 35,000 |
| Baton Rouge, LA | 16 | $ 2,124,000 | $ 132,750 | $ 0 |
| Champaign-Urbana, IL | 16 | $ 2,158,000 | $ 134,875 | $ 14,000 |
| Columbus, IN | 16 | $ 1,672,000 | $ 104,500 | $ 30,000 |
| Corpus Christi, TX | 16 | $ 603,000 | $ 37,687 | $ 0 |
| Decatur, AL | 16 | $ 1,945,000 | $ 121,562 | $ 23,000 |
| Elizabethtown, KY | 16 | $ 844,000 | $ 52,750 | $ 0 |
| Florence, SC | 16 | $ 897,000 | $ 56,062 | $ 0 |
| Bangor, ME | 15 | $ 1,099,000 | $ 73,266 | $ 30,000 |
| Bellingham, WA | 15 | $ 1,254,000 | $ 83,600 | $ 0 |
| Dalton, GA | 15 | $ 687,000 | $ 45,800 | $ 17,000 |
| St. Joseph, MO-KS | 15 | $ 695,000 | $ 46,333 | $ 22,000 |
| Brownsville-Harlingen, TX | 14 | $ 507,000 | $ 36,214 | $ 0 |
| Harrisonburg, VA | 14 | $ 642,000 | $ 45,857 | $ 22,000 |
| Logan, UT-ID | 14 | $ 780,000 | $ 55,714 | $ 0 |
| Mount Vernon-Anacortes, WA | 14 | $ 1,272,000 | $ 90,857 | $ 0 |
| Waco, TX | 14 | $ 435,000 | $ 31,071 | $ 0 |
| Farmington, NM | 13 | $ 689,000 | $ 53,000 | $ 0 |
| Flagstaff, AZ | 13 | $ 3,502,000 | $ 269,384 | $ 0 |
| Johnstown, PA | 13 | $ 677,000 | $ 52,076 | $ 36,000 |
| Battle Creek, MI | 12 | $ 1,103,000 | $ 91,916 | $ 123,000 |
| Beaumont-Port Arthur, TX | 12 | $ 917,000 | $ 76,416 | $ 0 |
| Charleston, WV | 12 | $ 666,000 | $ 55,500 | $ 0 |
| Danville, VA | 12 | $ 763,000 | $ 63,583 | $ 0 |
| McAllen-Edinburg-Pharr, TX | 12 | $ 1,341,000 | $ 111,750 | $ 0 |
| Muskegon-Norton Shores, MI | 12 | $ 514,000 | $ 42,833 | $ 0 |
| Anniston-Oxford, AL | 11 | $ 459,000 | $ 41,727 | $ 12,000 |
| Jefferson City, MO | 11 | $ 315,000 | $ 28,636 | $ 50,000 |
| Tyler, TX | 11 | $ 821,000 | $ 74,636 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 818,000 | $ 81,800 | $ 21,000 |
| Dothan, AL | 10 | $ 762,000 | $ 76,200 | $ 25,000 |
| Fargo, ND-MN | 10 | $ 331,000 | $ 33,100 | $ 12,000 |
| Jackson, TN | 10 | $ 675,000 | $ 67,500 | $ 0 |
| La Crosse, WI-MN | 10 | $ 407,000 | $ 40,700 | $ 10,000 |
| Laredo, TX | 10 | $ 268,000 | $ 26,800 | $ 0 |
| Lima, OH | 10 | $ 652,000 | $ 65,200 | $ 15,000 |
| Springfield, IL | 10 | $ 511,000 | $ 51,100 | $ 32,000 |
| Albany, GA | 9 | $ 541,000 | $ 60,111 | $ 24,000 |
| Anderson, SC | 9 | $ 929,000 | $ 103,222 | $ 16,000 |
| Bismarck, ND | 9 | $ 695,000 | $ 77,222 | $ 0 |
| College Station-Bryan, TX | 9 | $ 575,000 | $ 63,888 | $ 0 |
| Dubuque, IA | 9 | $ 438,000 | $ 48,666 | $ 0 |
| Missoula, MT | 9 | $ 621,000 | $ 69,000 | $ 0 |
| Morristown, TN | 9 | $ 456,000 | $ 50,666 | $ 10,000 |
| Rocky Mount, NC | 9 | $ 797,000 | $ 88,555 | $ 11,000 |
| Sandusky, OH | 9 | $ 492,000 | $ 54,666 | $ 0 |
| Wenatchee, WA | 9 | $ 400,000 | $ 44,444 | $ 0 |
| Bay City, MI | 8 | $ 581,000 | $ 72,625 | $ 18,000 |
| Corvallis, OR | 8 | $ 631,000 | $ 78,875 | $ 0 |
| Elmira, NY | 8 | $ 451,000 | $ 56,375 | $ 10,000 |
| Gulfport-Biloxi, MS | 8 | $ 253,000 | $ 31,625 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 468,000 | $ 58,500 | $ 0 |
| Valdosta, GA | 8 | $ 528,000 | $ 66,000 | $ 0 |
| Casper, WY | 7 | $ 277,000 | $ 39,571 | $ 0 |
| Clarksville, TN-KY | 7 | $ 299,000 | $ 42,714 | $ 0 |
| Columbia, MO | 7 | $ 367,000 | $ 52,428 | $ 0 |
| Decatur, IL | 7 | $ 283,000 | $ 40,428 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 248,000 | $ 35,428 | $ 0 |
| Longview, TX | 7 | $ 706,000 | $ 100,857 | $ 0 |
| Mansfield, OH | 7 | $ 559,000 | $ 79,857 | $ 0 |
| Midland, TX | 7 | $ 140,000 | $ 20,000 | $ 0 |
| Owensboro, KY | 7 | $ 220,000 | $ 31,428 | $ 0 |
| Victoria, TX | 7 | $ 203,000 | $ 29,000 | $ 0 |
| Eau Claire, WI | 6 | $ 344,000 | $ 57,333 | $ 0 |
| Gadsden, AL | 6 | $ 335,000 | $ 55,833 | $ 21,000 |
| Goldsboro, NC | 6 | $ 506,000 | $ 84,333 | $ 36,000 |
| Parkersburg-Marietta, WV-OH | 6 | $ 446,000 | $ 74,333 | $ 47,000 |
| Pascagoula, MS | 6 | $ 134,000 | $ 22,333 | $ 0 |
| Sioux City, IA-NE-SD | 6 | $ 134,000 | $ 22,333 | $ 0 |
| Wheeling, WV-OH | 6 | $ 687,000 | $ 114,500 | $ 9,000 |
| Bloomington-Normal, IL | 5 | $ 848,000 | $ 169,600 | $ 268,000 |
| Bowling Green, KY | 5 | $ 146,000 | $ 29,200 | $ 0 |
| Carson City, NV | 5 | $ 988,000 | $ 197,600 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 836,000 | $ 167,200 | $ 29,000 |
| Fort Smith, AR-OK | 5 | $ 461,000 | $ 92,200 | $ 36,000 |
| Great Falls, MT | 5 | $ 293,000 | $ 58,600 | $ 0 |
| Hattiesburg, MS | 5 | $ 833,000 | $ 166,600 | $ 0 |
| Ithaca, NY | 5 | $ 547,000 | $ 109,400 | $ 35,000 |
| Little Rock-North Little Rock, AR | 5 | $ 441,000 | $ 88,200 | $ 27,000 |
| Lubbock, TX | 5 | $ 283,000 | $ 56,600 | $ 0 |
| Morgantown, WV | 5 | $ 500,000 | $ 100,000 | $ 29,000 |
| Ames, IA | 4 | $ 172,000 | $ 43,000 | $ 0 |
| Cumberland, MD-WV | 4 | $ 242,000 | $ 60,500 | $ 31,000 |
| Lawton, OK | 4 | $ 735,000 | $ 183,750 | $ 0 |
| Sherman-Denison, TX | 4 | $ 109,000 | $ 27,250 | $ 0 |
| Shreveport-Bossier City, LA | 4 | $ 342,000 | $ 85,500 | $ 0 |
| Iowa City, IA | 3 | $ 739,000 | $ 246,333 | $ 0 |
| Lafayette, LA | 3 | $ 510,000 | $ 170,000 | $ 0 |
| Lewiston, ID-WA | 3 | $ 84,000 | $ 28,000 | $ 0 |
| San Angelo, TX | 3 | $ 58,000 | $ 19,333 | $ 0 |
| Sumter, SC | 3 | $ 173,000 | $ 57,666 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 45,000 | $ 15,000 | $ 0 |
| Wichita Falls, TX | 3 | $ 764,000 | $ 254,666 | $ 0 |
| Abilene, TX | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Danville, IL | 2 | $ 66,000 | $ 33,000 | $ 28,000 |
| Hot Springs, AR | 2 | $ 78,000 | $ 39,000 | $ 79,000 |
| Rome, GA | 2 | $ 118,000 | $ 59,000 | $ 0 |
| Anchorage, AK | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Lake Charles, LA | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Monroe, LA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Odessa, TX | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 106,000 | $ 106,000 | $ 33,000 |
| Pocatello, ID | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 33,000 | $ 33,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sovereign Bank in 2005
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 | 49,608 | $7,929,060,000 | $130,440 | $17,900,000 | $33,020 | $9,790,000 |
| Home Purchase | 49,205 | $6,895,530,000 | $110,096 | $4,080,000 | $28,942 | $7,588,000 |
| Home Improvement | 10,116 | $644,505,000 | $53,934 | $2,296,000 | $37,239 | $8,230,000 |
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 | 51,003 | $8,493,173,000 | $178,693 | $4,080,000 | $75,714 | $9,790,000 |
| Not applicable | 44,424 | $4,892,522,000 | $96,490 | $17,900,000 | $19 | $193,000 |
| Not Provided | 3,876 | $561,383,000 | $144,022 | $3,550,000 | $63,295 | $3,161,000 |
| Hispanic | 3,639 | $546,883,000 | $164,968 | $1,215,000 | $59,281 | $706,000 |
| Black or African American | 3,272 | $455,644,000 | $154,843 | $3,000,000 | $64,875 | $1,480,000 |
| Asian | 2,363 | $458,234,000 | $196,571 | $3,000,000 | $77,857 | $1,605,000 |
| Native Hawaiian or Other Pacific Islander | 195 | $36,181,000 | $193,722 | $1,500,000 | $73,555 | $576,000 |
| American Indian or Alaskan Native | 157 | $25,075,000 | $183,684 | $4,000,000 | $77,631 | $1,946,000 |
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) | 108,137 | $15,360,028,000 | $112,923 | $17,900,000 | $32,134 | $9,790,000 |
| FHA-insured (Federal Housing Administration) | 755 | $103,450,000 | $155,000 | $517,000 | $47,277 | $315,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,539,000 | $153,666 | $277,000 | $63,666 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $78,000 | $78,000 | $78,000 | $16,000 | $16,000 |
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 | 47,620 | $8,090,028,000 | $414,434 | $17,900,000 | $72,456 | $9,790,000 |
| Loan Purchased By The Institution | 47,124 | $5,289,006,000 | $98,490 | $1,484,000 | $8,333 | $2,123,000 |
| Application Denied By Financial Institution | 7,633 | $920,797,000 | $125,391 | $2,250,000 | $56,847 | $6,900,000 |
| Application Approved But Not Accepted | 4,114 | $673,487,000 | $156,289 | $4,000,000 | $64,736 | $4,276,000 |
| Application Withdrawn By Applicant | 2,058 | $436,265,000 | $170,363 | $4,768,000 | $64,030 | $8,230,000 |
| Preapproval Denied by Financial Institution | 317 | $46,528,000 | $146,000 | $680,000 | $45,000 | $171,000 |
| File Closed For Incompleteness | 61 | $11,479,000 | $181,000 | $540,000 | $33,190 | $282,000 |
| Preapproval Approved but not Accepted | 2 | $1,505,000 | $752,000 | $1,280,000 | $346,000 | $634,000 |
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 | 3,244 | $332,175,000 | $123,416 | $1,500,000 | $38,777 | $6,900,000 |
| Debt-To-Income Ratio | 2,058 | $253,436,000 | $134,314 | $1,980,000 | $52,657 | $610,000 |
| Collateral | 1,096 | $148,540,000 | $145,297 | $1,365,000 | $53,297 | $1,000,000 |
| Other | 822 | $134,141,000 | $149,515 | $2,250,000 | $69,909 | $1,200,000 |
| Mortgage Insurance Denied | 296 | $24,263,000 | $72,550 | $495,000 | $62,800 | $386,000 |
| Unverifiable Information | 201 | $32,166,000 | $180,000 | $1,900,000 | $58,000 | $460,000 |
| Credit Application Incomplete | 116 | $19,600,000 | $226,400 | $800,000 | $55,400 | $216,000 |
| Employment History | 66 | $10,325,000 | $197,461 | $750,000 | $55,230 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 51 | $12,679,000 | $280,454 | $2,100,000 | $35,727 | $213,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sovereign Bank's 2005 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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