Waterfield Bank Mortgage Lending & HMDA Data, 2008
In 2008, Waterfield Bank of Bethesda, MD reported 8,264 mortgage applications totaling $1.9 billion, up 69% from 2007. The average application was for $230,976, and applicants reported an average income of $81,562. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Edison-New Brunswick, NJ (941), Washington-Arlington-Alexandria, DC-VA-MD-WV (853) and Camden, NJ (524) (applications in parentheses).
| Mortgage Company & Address | Waterfield Bank 6903 Rockledge Drive, Suite 525 Bethesda, MD 20817 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 8,264 |
| Total Mortgage Loan Application Amount | $1,908,788,000 |
| Average Mortgage Loan Application Amount | $230,976 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $81,562 |
| Highest Applicant Income | $1,843,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Waterfield Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Edison-New Brunswick, NJ | 941 | $ 254,415,000 | $ 270,366 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 853 | $ 234,107,000 | $ 274,451 | $ 84,560 |
| Camden, NJ | 524 | $ 116,209,000 | $ 221,772 | $ 76,000 |
| Baltimore-Towson, MD | 475 | $ 110,288,000 | $ 232,185 | $ 73,000 |
| Philadelphia, PA | 457 | $ 92,907,000 | $ 203,297 | $ 81,000 |
| New York-White Plains-Wayne, NY-NJ | 444 | $ 151,118,000 | $ 340,355 | $ 116,207 |
| Newark-Union, NJ-PA | 442 | $ 132,262,000 | $ 299,235 | $ 88,321 |
| Pittsburgh, PA | 276 | $ 38,115,000 | $ 138,097 | $ 73,000 |
| Bethesda-Frederick-Gaithersburg, MD | 230 | $ 67,563,000 | $ 293,752 | $ 92,000 |
| Raleigh-Cary, NC | 153 | $ 29,350,000 | $ 191,830 | $ 68,000 |
| Boston-Quincy, MA | 140 | $ 37,880,000 | $ 270,571 | $ 82,000 |
| Charleston-North Charleston-Summerville, SC | 130 | $ 24,978,000 | $ 192,138 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 126 | $ 21,022,000 | $ 166,841 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 119 | $ 19,576,000 | $ 164,504 | $ 74,000 |
| Orlando-Kissimmee, FL | 110 | $ 21,631,000 | $ 196,645 | $ 76,000 |
| Trenton-Ewing, NJ | 102 | $ 21,761,000 | $ 213,343 | $ 73,000 |
| Providence-New Bedford-Fall River, RI-MA | 100 | $ 24,798,000 | $ 247,980 | $ 82,060 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 92 | $ 19,128,000 | $ 207,913 | $ 85,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 89 | $ 15,415,000 | $ 173,202 | $ 56,674 |
| Cambridge-Newton-Framingham, MA | 80 | $ 24,929,000 | $ 311,612 | $ 121,000 |
| Atlantic City-Hammonton, NJ | 74 | $ 17,072,000 | $ 230,702 | $ 63,000 |
| Wilmington, DE-MD-NJ | 74 | $ 16,172,000 | $ 218,540 | $ 54,189 |
| Columbia, SC | 67 | $ 9,147,000 | $ 136,522 | $ 68,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 62 | $ 13,511,000 | $ 217,919 | $ 120,000 |
| Peabody, MA | 59 | $ 14,164,000 | $ 240,067 | $ 90,000 |
| Reading, PA | 59 | $ 10,324,000 | $ 174,983 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 58 | $ 14,238,000 | $ 245,482 | $ 126,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 53 | $ 12,145,000 | $ 229,150 | $ 120,000 |
| Richmond, VA | 51 | $ 11,060,000 | $ 216,862 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 45 | $ 9,496,000 | $ 211,022 | $ 54,111 |
| Durham, NC | 44 | $ 7,909,000 | $ 179,750 | $ 74,000 |
| Nassau-Suffolk, NY | 43 | $ 15,307,000 | $ 355,976 | $ 118,000 |
| Charlotte-Gastonia-Concord, NC-SC | 35 | $ 6,141,000 | $ 175,457 | $ 71,714 |
| Harrisburg-Carlisle, PA | 32 | $ 4,925,000 | $ 153,906 | $ 85,000 |
| Ocala, FL | 31 | $ 6,468,000 | $ 208,645 | $ 67,000 |
| Ocean City, NJ | 28 | $ 8,250,000 | $ 294,642 | $ 153,000 |
| Vineland-Millville-Bridgeton, NJ | 28 | $ 5,999,000 | $ 214,250 | $ 69,000 |
| Altoona, PA | 26 | $ 2,708,000 | $ 104,153 | $ 51,000 |
| Florence, SC | 26 | $ 3,206,000 | $ 123,307 | $ 41,000 |
| Scranton--Wilkes-Barre, PA | 26 | $ 3,257,000 | $ 125,269 | $ 58,000 |
| Worcester, MA | 26 | $ 4,999,000 | $ 192,269 | $ 67,000 |
| Hagerstown-Martinsburg, MD-WV | 25 | $ 5,441,000 | $ 217,640 | $ 68,960 |
| Lancaster, PA | 25 | $ 4,771,000 | $ 190,840 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 4,330,000 | $ 188,260 | $ 92,000 |
| Greensboro-High Point, NC | 22 | $ 3,426,000 | $ 155,727 | $ 59,000 |
| Greenville-Mauldin-Easley, SC | 22 | $ 2,606,000 | $ 118,454 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 8,162,000 | $ 388,666 | $ 112,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 3,154,000 | $ 150,190 | $ 80,000 |
| Port St. Lucie, FL | 21 | $ 4,229,000 | $ 201,380 | $ 135,000 |
| State College, PA | 21 | $ 3,470,000 | $ 165,238 | $ 75,000 |
| Jacksonville, FL | 19 | $ 3,003,000 | $ 158,052 | $ 60,000 |
| Rockingham County-Strafford County, NH | 19 | $ 4,193,000 | $ 220,684 | $ 73,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 4,549,000 | $ 239,421 | $ 113,000 |
| York-Hanover, PA | 19 | $ 3,098,000 | $ 163,052 | $ 79,000 |
| Barnstable Town, MA | 17 | $ 4,815,000 | $ 283,235 | $ 100,000 |
| Sumter, SC | 17 | $ 2,181,000 | $ 128,294 | $ 65,000 |
| Salisbury, MD | 16 | $ 3,120,000 | $ 195,000 | $ 58,000 |
| Detroit-Livonia-Dearborn, MI | 15 | $ 1,669,000 | $ 111,266 | $ 115,000 |
| Columbus, OH | 14 | $ 2,193,000 | $ 156,642 | $ 54,000 |
| New Haven-Milford, CT | 13 | $ 2,838,000 | $ 218,307 | $ 108,000 |
| Winston-Salem, NC | 13 | $ 2,123,000 | $ 163,307 | $ 59,000 |
| Lakeland-Winter Haven, FL | 12 | $ 1,969,000 | $ 164,083 | $ 75,000 |
| Panama City-Lynn Haven, FL | 12 | $ 3,032,000 | $ 252,666 | $ 261,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 12 | $ 2,882,000 | $ 240,166 | $ 85,000 |
| Syracuse, NY | 12 | $ 1,006,000 | $ 83,833 | $ 40,000 |
| Wilmington, NC | 12 | $ 2,044,000 | $ 170,333 | $ 59,000 |
| Indianapolis-Carmel, IN | 11 | $ 2,285,000 | $ 207,727 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,914,000 | $ 174,000 | $ 133,000 |
| Spartanburg, SC | 10 | $ 1,084,000 | $ 108,400 | $ 71,000 |
| Bradenton-Sarasota-Venice, FL | 9 | $ 1,810,000 | $ 201,111 | $ 68,000 |
| Dover, DE | 9 | $ 1,862,000 | $ 206,888 | $ 32,000 |
| Johnstown, PA | 9 | $ 803,000 | $ 89,222 | $ 57,000 |
| Springfield, MA | 9 | $ 2,320,000 | $ 257,777 | $ 100,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,057,000 | $ 132,125 | $ 41,375 |
| Charleston, WV | 8 | $ 1,511,000 | $ 188,875 | $ 76,000 |
| Denver-Aurora, CO | 8 | $ 1,913,000 | $ 239,125 | $ 64,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,639,000 | $ 204,875 | $ 66,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,400,000 | $ 175,000 | $ 33,000 |
| Kansas City, MO-KS | 8 | $ 1,140,000 | $ 142,500 | $ 42,625 |
| Lebanon, PA | 8 | $ 1,456,000 | $ 182,000 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,202,000 | $ 150,250 | $ 70,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,272,000 | $ 181,714 | $ 5,000 |
| Glens Falls, NY | 7 | $ 1,518,000 | $ 216,857 | $ 85,000 |
| Goldsboro, NC | 7 | $ 589,000 | $ 84,142 | $ 40,000 |
| Jackson, MS | 7 | $ 831,000 | $ 118,714 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,137,000 | $ 162,428 | $ 71,000 |
| Mobile, AL | 7 | $ 1,014,000 | $ 144,857 | $ 130,000 |
| St. Louis, MO-IL | 7 | $ 1,193,000 | $ 170,428 | $ 93,000 |
| Asheville, NC | 6 | $ 1,157,000 | $ 192,833 | $ 53,000 |
| Burlington, NC | 6 | $ 1,042,000 | $ 173,666 | $ 38,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 1,169,000 | $ 194,833 | $ 58,000 |
| Manchester-Nashua, NH | 6 | $ 1,420,000 | $ 236,666 | $ 70,000 |
| San Antonio, TX | 6 | $ 1,156,000 | $ 192,666 | $ 0 |
| Albany-Schenectady-Troy, NY | 5 | $ 988,000 | $ 197,600 | $ 98,000 |
| Birmingham-Hoover, AL | 5 | $ 374,000 | $ 74,800 | $ 51,000 |
| Cumberland, MD-WV | 5 | $ 812,000 | $ 162,400 | $ 62,000 |
| Dayton, OH | 5 | $ 664,000 | $ 132,800 | $ 76,000 |
| Kingston, NY | 5 | $ 1,393,000 | $ 278,600 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 903,000 | $ 180,600 | $ 67,000 |
| Rochester, NY | 5 | $ 901,000 | $ 180,200 | $ 81,000 |
| Savannah, GA | 5 | $ 926,000 | $ 185,200 | $ 84,000 |
| Wheeling, WV-OH | 5 | $ 471,000 | $ 94,200 | $ 60,800 |
| Williamsport, PA | 5 | $ 568,000 | $ 113,600 | $ 68,000 |
| Winchester, VA-WV | 5 | $ 1,069,000 | $ 213,800 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 770,000 | $ 154,000 | $ 89,400 |
| Anchorage, AK | 4 | $ 1,006,000 | $ 251,500 | $ 31,000 |
| Anderson, SC | 4 | $ 645,000 | $ 161,250 | $ 71,000 |
| Austin-Round Rock, TX | 4 | $ 768,000 | $ 192,000 | $ 43,000 |
| Charlottesville, VA | 4 | $ 753,000 | $ 188,250 | $ 63,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 629,000 | $ 157,250 | $ 54,000 |
| Greenville, NC | 4 | $ 521,000 | $ 130,250 | $ 71,000 |
| Jacksonville, NC | 4 | $ 479,000 | $ 119,750 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,838,000 | $ 459,500 | $ 128,000 |
| Lynchburg, VA | 4 | $ 699,000 | $ 174,750 | $ 57,000 |
| Mansfield, OH | 4 | $ 395,000 | $ 98,750 | $ 52,000 |
| Memphis, TN-MS-AR | 4 | $ 499,000 | $ 124,750 | $ 40,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 1,857,000 | $ 464,250 | $ 179,000 |
| Roanoke, VA | 4 | $ 774,000 | $ 193,500 | $ 34,000 |
| Rocky Mount, NC | 4 | $ 367,000 | $ 91,750 | $ 16,000 |
| Akron, OH | 3 | $ 760,000 | $ 253,333 | $ 67,000 |
| Appleton, WI | 3 | $ 570,000 | $ 190,000 | $ 51,000 |
| Baton Rouge, LA | 3 | $ 438,000 | $ 146,000 | $ 60,000 |
| Clarksville, TN-KY | 3 | $ 449,000 | $ 149,666 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 330,000 | $ 110,000 | $ 60,000 |
| Colorado Springs, CO | 3 | $ 827,000 | $ 275,666 | $ 24,000 |
| Erie, PA | 3 | $ 211,000 | $ 70,333 | $ 40,000 |
| Fayetteville, NC | 3 | $ 317,000 | $ 105,666 | $ 32,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 475,000 | $ 158,333 | $ 62,000 |
| Huntsville, AL | 3 | $ 556,000 | $ 185,333 | $ 55,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 669,000 | $ 223,000 | $ 91,000 |
| Norwich-New London, CT | 3 | $ 647,000 | $ 215,666 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,042,000 | $ 347,333 | $ 136,000 |
| Provo-Orem, UT | 3 | $ 668,000 | $ 222,666 | $ 76,000 |
| Punta Gorda, FL | 3 | $ 264,000 | $ 88,000 | $ 75,000 |
| Spokane, WA | 3 | $ 455,000 | $ 151,666 | $ 34,000 |
| Tallahassee, FL | 3 | $ 540,000 | $ 180,000 | $ 120,000 |
| Toledo, OH | 3 | $ 336,000 | $ 112,000 | $ 29,000 |
| Billings, MT | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Binghamton, NY | 2 | $ 246,000 | $ 123,000 | $ 41,000 |
| Chattanooga, TN-GA | 2 | $ 221,000 | $ 110,500 | $ 44,500 |
| Columbus, GA-AL | 2 | $ 433,000 | $ 216,500 | $ 60,000 |
| Dothan, AL | 2 | $ 212,000 | $ 106,000 | $ 61,000 |
| El Paso, TX | 2 | $ 234,000 | $ 117,000 | $ 30,000 |
| Elmira, NY | 2 | $ 327,000 | $ 163,500 | $ 62,000 |
| Eugene-Springfield, OR | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 261,000 | $ 130,500 | $ 24,000 |
| Gadsden, AL | 2 | $ 298,000 | $ 149,000 | $ 39,000 |
| Gainesville, GA | 2 | $ 320,000 | $ 160,000 | $ 44,000 |
| Gary, IN | 2 | $ 152,000 | $ 76,000 | $ 34,000 |
| Harrisonburg, VA | 2 | $ 426,000 | $ 213,000 | $ 226,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 191,000 | $ 95,500 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 507,000 | $ 253,500 | $ 235,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 247,000 | $ 123,500 | $ 53,000 |
| Lansing-East Lansing, MI | 2 | $ 289,000 | $ 144,500 | $ 60,000 |
| Las Vegas-Paradise, NV | 2 | $ 398,000 | $ 199,000 | $ 47,000 |
| Modesto, CA | 2 | $ 302,000 | $ 151,000 | $ 46,000 |
| Morristown, TN | 2 | $ 243,000 | $ 121,500 | $ 71,000 |
| Naples-Marco Island, FL | 2 | $ 602,000 | $ 301,000 | $ 120,000 |
| Olympia, WA | 2 | $ 411,000 | $ 205,500 | $ 22,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 255,000 | $ 127,500 | $ 35,000 |
| Pittsfield, MA | 2 | $ 327,000 | $ 163,500 | $ 42,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 362,000 | $ 181,000 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 830,000 | $ 415,000 | $ 45,000 |
| Sebastian-Vero Beach, FL | 2 | $ 371,000 | $ 185,500 | $ 34,000 |
| St. George, UT | 2 | $ 396,000 | $ 198,000 | $ 99,000 |
| Utica-Rome, NY | 2 | $ 206,000 | $ 103,000 | $ 87,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 83,000 | $ 41,500 | $ 41,000 |
| Anderson, IN | 1 | $ 59,000 | $ 59,000 | $ 28,000 |
| Ann Arbor, MI | 1 | $ 228,000 | $ 228,000 | $ 169,000 |
| Athens-Clarke County, GA | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Bakersfield, CA | 1 | $ 225,000 | $ 225,000 | $ 123,000 |
| Bangor, ME | 1 | $ 172,000 | $ 172,000 | $ 42,000 |
| Beaumont-Port Arthur, TX | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 254,000 | $ 254,000 | $ 86,000 |
| Brownsville-Harlingen, TX | 1 | $ 248,000 | $ 248,000 | $ 90,000 |
| Brunswick, GA | 1 | $ 240,000 | $ 240,000 | $ 57,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Canton-Massillon, OH | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Champaign-Urbana, IL | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| Coeur D'Alene, ID | 1 | $ 387,000 | $ 387,000 | $ 65,000 |
| Corpus Christi, TX | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 104,000 | $ 104,000 | $ 151,000 |
| Elkhart-Goshen, IN | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 210,000 | $ 210,000 | $ 67,000 |
| Greeley, CO | 1 | $ 188,000 | $ 188,000 | $ 67,000 |
| Gulfport-Biloxi, MS | 1 | $ 138,000 | $ 138,000 | $ 21,000 |
| Hot Springs, AR | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 52,000 | $ 52,000 | $ 27,000 |
| Idaho Falls, ID | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Johnson City, TN | 1 | $ 203,000 | $ 203,000 | $ 59,000 |
| Joplin, MO | 1 | $ 51,000 | $ 51,000 | $ 31,000 |
| Kankakee-Bradley, IL | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Knoxville, TN | 1 | $ 231,000 | $ 231,000 | $ 127,000 |
| Lewiston, ID-WA | 1 | $ 217,000 | $ 217,000 | $ 83,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Monroe, MI | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 73,000 | $ 73,000 | $ 49,000 |
| Niles-Benton Harbor, MI | 1 | $ 180,000 | $ 180,000 | $ 94,000 |
| Palm Coast, FL | 1 | $ 228,000 | $ 228,000 | $ 162,000 |
| Pascagoula, MS | 1 | $ 204,000 | $ 204,000 | $ 69,000 |
| Peoria, IL | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Pueblo, CO | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Racine, WI | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 96,000 | $ 96,000 | $ 144,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 636,000 | $ 636,000 | $ 147,000 |
| Stockton, CA | 1 | $ 89,000 | $ 89,000 | $ 100,000 |
| Topeka, KS | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Tulsa, OK | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Tuscaloosa, AL | 1 | $ 177,000 | $ 177,000 | $ 60,000 |
| Tyler, TX | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Waco, TX | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Warner Robins, GA | 1 | $ 167,000 | $ 167,000 | $ 104,000 |
| Wichita Falls, TX | 1 | $ 136,000 | $ 136,000 | $ 0 |
Mortgage Loan Application Detail Totals for Waterfield Bank in 2008
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 | 4,890 | $1,168,431,000 | $238,000 | $2,100,000 | $77,000 | $1,500,000 |
| Home Purchase | 3,355 | $736,421,000 | $219,000 | $1,013,000 | $88,000 | $1,843,000 |
| Home Improvement | 19 | $3,936,000 | $207,000 | $417,000 | $119,000 | $660,000 |
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 | 4,439 | $1,032,145,000 | $232,000 | $2,100,000 | $87,000 | $1,843,000 |
| Black or African American | 1,480 | $316,931,000 | $214,000 | $1,082,000 | $64,000 | $493,000 |
| Not Provided | 1,110 | $247,390,000 | $222,000 | $1,538,000 | $82,000 | $1,318,000 |
| Hispanic | 978 | $238,235,000 | $243,000 | $1,068,000 | $73,000 | $540,000 |
| Asian | 221 | $65,247,000 | $295,000 | $980,000 | $120,000 | $814,000 |
| American Indian or Alaskan Native | 21 | $4,509,000 | $214,000 | $353,000 | $68,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $4,331,000 | $288,000 | $432,000 | $118,000 | $376,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 4,208 | $996,085,000 | $236,000 | $2,100,000 | $100,000 | $1,843,000 |
| FHA-insured (Federal Housing Administration) | 3,700 | $852,586,000 | $230,000 | $741,000 | $63,000 | $792,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 180 | $20,275,000 | $112,000 | $281,000 | $42,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 176 | $39,842,000 | $226,000 | $563,000 | $39,000 | $212,000 |
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 | 4,243 | $964,104,000 | $227,000 | $780,000 | $76,000 | $1,318,000 |
| Application Approved But Not Accepted | 1,872 | $441,161,000 | $235,000 | $1,082,000 | $88,000 | $888,000 |
| Application Denied By Financial Institution | 1,486 | $342,613,000 | $230,000 | $1,538,000 | $85,000 | $1,843,000 |
| File Closed For Incompleteness | 486 | $120,920,000 | $248,000 | $2,100,000 | $90,000 | $762,000 |
| Application Withdrawn By Applicant | 176 | $39,810,000 | $226,000 | $900,000 | $88,000 | $406,000 |
| Preapproval Denied by Financial Institution | 1 | $180,000 | $180,000 | $180,000 | $74,000 | $74,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 472 | $115,947,000 | $245,000 | $1,100,000 | $65,000 | $457,000 |
| Credit History | 392 | $80,013,000 | $204,000 | $858,000 | $75,000 | $630,000 |
| Collateral | 233 | $53,849,000 | $231,000 | $823,000 | $111,000 | $700,000 |
| Other | 158 | $37,206,000 | $235,000 | $1,013,000 | $120,000 | $1,843,000 |
| Unverifiable Information | 84 | $21,443,000 | $255,000 | $550,000 | $103,000 | $422,000 |
| Employment History | 74 | $14,867,000 | $200,000 | $448,000 | $65,000 | $240,000 |
| Credit Application Incomplete | 28 | $8,569,000 | $306,000 | $1,538,000 | $124,000 | $408,000 |
| Mortgage Insurance Denied | 27 | $7,123,000 | $263,000 | $432,000 | $105,000 | $252,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $3,776,000 | $198,000 | $401,000 | $64,000 | $165,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Waterfield Bank's 2008 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 Waterfield 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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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