Waterfield Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Waterfield Bank 2008 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 | 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 | $221,333 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $94,666 |
| Highest Applicant Income | $1,843,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Waterfield 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 Waterfield Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Waterfield 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 Waterfield Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Waterfield 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 Waterfield Bank's mortgage activity for 2008.
| 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 | $ 270,000 | $ 84,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 853 | $ 234,107,000 | $ 281,750 | $ 89,750 |
| CAMDEN, NJ | 524 | $ 116,209,000 | $ 221,000 | $ 76,000 |
| BALTIMORE-TOWSON, MD | 475 | $ 110,288,000 | $ 232,000 | $ 73,000 |
| PHILADELPHIA, PA | 457 | $ 92,907,000 | $ 203,000 | $ 81,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 444 | $ 151,118,000 | $ 349,500 | $ 119,000 |
| NEWARK-UNION, NJ-PA | 442 | $ 132,262,000 | $ 233,000 | $ 79,000 |
| PITTSBURGH, PA | 276 | $ 38,115,000 | $ 138,000 | $ 73,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 230 | $ 67,563,000 | $ 293,000 | $ 92,000 |
| RALEIGH-CARY, NC | 153 | $ 29,350,000 | $ 191,000 | $ 68,000 |
| BOSTON-QUINCY, MA | 140 | $ 37,880,000 | $ 270,000 | $ 82,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 130 | $ 24,978,000 | $ 192,000 | $ 88,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 126 | $ 21,022,000 | $ 166,000 | $ 60,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 119 | $ 19,576,000 | $ 164,000 | $ 74,000 |
| ORLANDO-KISSIMMEE, FL | 110 | $ 21,631,000 | $ 196,000 | $ 76,000 |
| TRENTON-EWING, NJ | 102 | $ 21,761,000 | $ 213,000 | $ 73,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 100 | $ 24,798,000 | $ 252,000 | $ 83,500 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 92 | $ 19,128,000 | $ 207,000 | $ 85,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 89 | $ 15,415,000 | $ 212,500 | $ 62,500 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 80 | $ 24,929,000 | $ 311,000 | $ 121,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 74 | $ 17,072,000 | $ 230,000 | $ 63,000 |
| WILMINGTON, DE-MD-NJ | 74 | $ 16,172,000 | $ 218,666 | $ 58,333 |
| COLUMBIA, SC | 67 | $ 9,147,000 | $ 136,000 | $ 68,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 62 | $ 13,511,000 | $ 217,000 | $ 120,000 |
| PEABODY, MA | 59 | $ 14,164,000 | $ 240,000 | $ 90,000 |
| READING, PA | 59 | $ 10,324,000 | $ 174,000 | $ 76,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 58 | $ 14,238,000 | $ 245,000 | $ 126,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 53 | $ 12,145,000 | $ 229,000 | $ 120,000 |
| RICHMOND, VA | 51 | $ 11,060,000 | $ 216,000 | $ 59,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 45 | $ 9,496,000 | $ 244,000 | $ 56,500 |
| DURHAM, NC | 44 | $ 7,909,000 | $ 179,000 | $ 74,000 |
| NASSAU-SUFFOLK, NY | 43 | $ 15,307,000 | $ 355,000 | $ 118,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 35 | $ 6,141,000 | $ 211,000 | $ 71,000 |
| HARRISBURG-CARLISLE, PA | 32 | $ 4,925,000 | $ 153,000 | $ 85,000 |
| OCALA, FL | 31 | $ 6,468,000 | $ 208,000 | $ 67,000 |
| OCEAN CITY, NJ | 28 | $ 8,250,000 | $ 294,000 | $ 153,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 28 | $ 5,999,000 | $ 214,000 | $ 69,000 |
| ALTOONA, PA | 26 | $ 2,708,000 | $ 104,000 | $ 51,000 |
| FLORENCE, SC | 26 | $ 3,206,000 | $ 123,000 | $ 41,000 |
| SCRANTON--WILKES-BARRE, PA | 26 | $ 3,257,000 | $ 125,000 | $ 58,000 |
| WORCESTER, MA | 26 | $ 4,999,000 | $ 192,000 | $ 67,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 25 | $ 5,441,000 | $ 200,500 | $ 62,500 |
| LANCASTER, PA | 25 | $ 4,771,000 | $ 190,000 | $ 63,000 |
| CAPE CORAL-FORT MYERS, FL | 23 | $ 4,330,000 | $ 188,000 | $ 92,000 |
| GREENSBORO-HIGH POINT, NC | 22 | $ 3,426,000 | $ 155,000 | $ 59,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 22 | $ 2,606,000 | $ 118,000 | $ 75,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 21 | $ 8,162,000 | $ 388,000 | $ 112,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 21 | $ 3,154,000 | $ 150,000 | $ 80,000 |
| PORT ST. LUCIE, FL | 21 | $ 4,229,000 | $ 201,000 | $ 135,000 |
| STATE COLLEGE, PA | 21 | $ 3,470,000 | $ 165,000 | $ 75,000 |
| JACKSONVILLE, FL | 19 | $ 3,003,000 | $ 158,000 | $ 60,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 19 | $ 4,193,000 | $ 220,000 | $ 73,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 19 | $ 4,549,000 | $ 239,000 | $ 113,000 |
| YORK-HANOVER, PA | 19 | $ 3,098,000 | $ 163,000 | $ 79,000 |
| BARNSTABLE TOWN, MA | 17 | $ 4,815,000 | $ 283,000 | $ 100,000 |
| SUMTER, SC | 17 | $ 2,181,000 | $ 128,000 | $ 65,000 |
| SALISBURY, MD | 16 | $ 3,120,000 | $ 195,000 | $ 58,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 15 | $ 1,669,000 | $ 111,000 | $ 115,000 |
| COLUMBUS, OH | 14 | $ 2,193,000 | $ 156,000 | $ 54,000 |
| NEW HAVEN-MILFORD, CT | 13 | $ 2,838,000 | $ 218,000 | $ 108,000 |
| WINSTON-SALEM, NC | 13 | $ 2,123,000 | $ 163,000 | $ 59,000 |
| LAKELAND-WINTER HAVEN, FL | 12 | $ 1,969,000 | $ 164,000 | $ 75,000 |
| PANAMA CITY-LYNN HAVEN, FL | 12 | $ 3,032,000 | $ 252,000 | $ 261,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 12 | $ 2,882,000 | $ 240,000 | $ 85,000 |
| SYRACUSE, NY | 12 | $ 1,006,000 | $ 83,000 | $ 40,000 |
| WILMINGTON, NC | 12 | $ 2,044,000 | $ 170,000 | $ 59,000 |
| INDIANAPOLIS-CARMEL, IN | 11 | $ 2,285,000 | $ 207,000 | $ 55,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 11 | $ 1,914,000 | $ 174,000 | $ 133,000 |
| SPARTANBURG, SC | 10 | $ 1,084,000 | $ 108,000 | $ 71,000 |
| BRADENTON-SARASOTA-VENICE, FL | 9 | $ 1,810,000 | $ 201,000 | $ 68,000 |
| DOVER, DE | 9 | $ 1,862,000 | $ 206,000 | $ 32,000 |
| JOHNSTOWN, PA | 9 | $ 803,000 | $ 89,000 | $ 57,000 |
| SPRINGFIELD, MA | 9 | $ 2,320,000 | $ 257,000 | $ 100,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 8 | $ 1,057,000 | $ 126,000 | $ 40,500 |
| CHARLESTON, WV | 8 | $ 1,511,000 | $ 188,000 | $ 76,000 |
| DENVER-AURORA, CO | 8 | $ 1,913,000 | $ 239,000 | $ 64,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 8 | $ 1,639,000 | $ 204,000 | $ 66,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 8 | $ 1,400,000 | $ 175,000 | $ 33,000 |
| KANSAS CITY, MO-KS | 8 | $ 1,140,000 | $ 109,500 | $ 44,500 |
| LEBANON, PA | 8 | $ 1,456,000 | $ 182,000 | $ 75,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 8 | $ 1,202,000 | $ 150,000 | $ 70,000 |
| DALLAS-PLANO-IRVING, TX | 7 | $ 1,272,000 | $ 181,000 | $ 5,000 |
| GLENS FALLS, NY | 7 | $ 1,518,000 | $ 216,000 | $ 85,000 |
| GOLDSBORO, NC | 7 | $ 589,000 | $ 84,000 | $ 40,000 |
| JACKSON, MS | 7 | $ 831,000 | $ 118,000 | $ 63,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 7 | $ 1,137,000 | $ 162,000 | $ 71,000 |
| MOBILE, AL | 7 | $ 1,014,000 | $ 144,000 | $ 130,000 |
| ST. LOUIS, MO-IL | 7 | $ 1,193,000 | $ 199,000 | $ 120,000 |
| ASHEVILLE, NC | 6 | $ 1,157,000 | $ 192,000 | $ 53,000 |
| BURLINGTON, NC | 6 | $ 1,042,000 | $ 173,000 | $ 38,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 6 | $ 1,169,000 | $ 194,000 | $ 58,000 |
| MANCHESTER-NASHUA, NH | 6 | $ 1,420,000 | $ 236,000 | $ 70,000 |
| SAN ANTONIO, TX | 6 | $ 1,156,000 | $ 192,000 | $ 0 |
| ALBANY-SCHENECTADY-TROY, NY | 5 | $ 988,000 | $ 197,000 | $ 98,000 |
| BIRMINGHAM-HOOVER, AL | 5 | $ 374,000 | $ 74,000 | $ 51,000 |
| CUMBERLAND, MD-WV | 5 | $ 812,000 | $ 162,000 | $ 62,000 |
| DAYTON, OH | 5 | $ 664,000 | $ 132,000 | $ 76,000 |
| KINGSTON, NY | 5 | $ 1,393,000 | $ 278,000 | $ 150,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 5 | $ 903,000 | $ 180,000 | $ 67,000 |
| ROCHESTER, NY | 5 | $ 901,000 | $ 180,000 | $ 81,000 |
| SAVANNAH, GA | 5 | $ 926,000 | $ 185,000 | $ 84,000 |
| WHEELING, WV-OH | 5 | $ 471,000 | $ 98,000 | $ 63,000 |
| WILLIAMSPORT, PA | 5 | $ 568,000 | $ 113,000 | $ 68,000 |
| WINCHESTER, VA-WV | 5 | $ 1,069,000 | $ 213,000 | $ 80,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 5 | $ 770,000 | $ 154,500 | $ 87,000 |
| ANCHORAGE, AK | 4 | $ 1,006,000 | $ 251,000 | $ 31,000 |
| ANDERSON, SC | 4 | $ 645,000 | $ 161,000 | $ 71,000 |
| AUSTIN-ROUND ROCK, TX | 4 | $ 768,000 | $ 192,000 | $ 43,000 |
| CHARLOTTESVILLE, VA | 4 | $ 753,000 | $ 188,000 | $ 63,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 4 | $ 629,000 | $ 157,000 | $ 54,000 |
| GREENVILLE, NC | 4 | $ 521,000 | $ 130,000 | $ 71,000 |
| JACKSONVILLE, NC | 4 | $ 479,000 | $ 119,000 | $ 59,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 4 | $ 1,838,000 | $ 459,000 | $ 128,000 |
| LYNCHBURG, VA | 4 | $ 699,000 | $ 174,000 | $ 57,000 |
| MANSFIELD, OH | 4 | $ 395,000 | $ 98,000 | $ 52,000 |
| MEMPHIS, TN-MS-AR | 4 | $ 499,000 | $ 124,000 | $ 40,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 4 | $ 1,857,000 | $ 464,000 | $ 179,000 |
| ROANOKE, VA | 4 | $ 774,000 | $ 193,000 | $ 34,000 |
| ROCKY MOUNT, NC | 4 | $ 367,000 | $ 91,000 | $ 16,000 |
| AKRON, OH | 3 | $ 760,000 | $ 253,000 | $ 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 | $ 149,000 | $ 65,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 3 | $ 330,000 | $ 110,000 | $ 60,000 |
| COLORADO SPRINGS, CO | 3 | $ 827,000 | $ 275,000 | $ 24,000 |
| ERIE, PA | 3 | $ 211,000 | $ 70,000 | $ 40,000 |
| FAYETTEVILLE, NC | 3 | $ 317,000 | $ 105,000 | $ 32,000 |
| HICKORY-LENOIR-MORGANTON, NC | 3 | $ 475,000 | $ 158,000 | $ 62,000 |
| HUNTSVILLE, AL | 3 | $ 556,000 | $ 185,000 | $ 55,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 3 | $ 669,000 | $ 223,000 | $ 91,000 |
| NORWICH-NEW LONDON, CT | 3 | $ 647,000 | $ 215,000 | $ 79,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 3 | $ 1,042,000 | $ 347,000 | $ 136,000 |
| PROVO-OREM, UT | 3 | $ 668,000 | $ 222,000 | $ 76,000 |
| PUNTA GORDA, FL | 3 | $ 264,000 | $ 88,000 | $ 75,000 |
| SPOKANE, WA | 3 | $ 455,000 | $ 151,000 | $ 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 | $ 163,000 | $ 62,000 |
| EUGENE-SPRINGFIELD, OR | 2 | $ 405,000 | $ 202,000 | $ 0 |
| FORT WORTH-ARLINGTON, TX | 2 | $ 261,000 | $ 130,000 | $ 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 | $ 95,000 | $ 60,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 2 | $ 507,000 | $ 253,500 | $ 235,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 2 | $ 247,000 | $ 123,000 | $ 53,000 |
| LANSING-EAST LANSING, MI | 2 | $ 289,000 | $ 144,000 | $ 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 | $ 121,000 | $ 71,000 |
| NAPLES-MARCO ISLAND, FL | 2 | $ 602,000 | $ 301,000 | $ 120,000 |
| OLYMPIA, WA | 2 | $ 411,000 | $ 205,000 | $ 22,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 255,000 | $ 127,000 | $ 35,000 |
| PITTSFIELD, MA | 2 | $ 327,000 | $ 163,000 | $ 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 | $ 185,000 | $ 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.