Annapolis Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Annapolis Bank & Trust Company of Annapolis, MD reported 84 mortgage applications totaling $21.6 million, down 21% from 2004. The average application was for $257,154, and applicants reported an average income of $199,250. 39% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Baltimore-Towson, MD (68), Salisbury, MD (4) and Dover, DE (1) (applications in parentheses).
| Mortgage Company & Address | Annapolis Bank & Trust Company 1824 George Avenue Annapolis, MD 21401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $21,601,000 |
| Average Mortgage Loan Application Amount | $257,154 |
| Highest Mortgage Loan Application Amount | $1,421,000 |
| Average Applicant Income | $199,250 |
| Highest Applicant Income | $5,259,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Annapolis Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anne Arundel, Maryland | 49 | $ 10,955,000 | $ 223,571 | $ 323,000 |
| Howard, Maryland | 10 | $ 3,946,000 | $ 394,600 | $ 77,000 |
| Queen Anne's, Maryland | 5 | $ 2,310,000 | $ 462,000 | $ 143,000 |
| Talbot, Maryland | 5 | $ 1,703,000 | $ 340,600 | $ 118,000 |
| Wicomico, Maryland | 4 | $ 789,000 | $ 197,250 | $ 70,000 |
| Baltimore City, Maryland | 3 | $ 209,000 | $ 69,666 | $ 83,000 |
| Worcester, Maryland | 3 | $ 900,000 | $ 300,000 | $ 203,000 |
| Calvert, Maryland | 2 | $ 518,000 | $ 259,000 | $ 87,000 |
| Kent, Delaware | 1 | $ 206,000 | $ 206,000 | $ 140,000 |
| Baltimore, Maryland | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Caroline, Maryland | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Annapolis Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 38 | $12,648,000 | $271,000 | $1,421,000 | $180,500 | $5,259,000 |
| Refinancing | 26 | $7,325,000 | $281,000 | $1,000,000 | $270,000 | $1,800,000 |
| Home Improvement | 20 | $1,628,000 | $81,000 | $725,000 | $70,000 | $194,000 |
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 | 62 | $16,362,000 | $235,000 | $1,421,000 | $169,000 | $1,800,000 |
| Not Provided | 8 | $2,992,000 | $374,000 | $750,000 | $158,000 | $300,000 |
| Not applicable | 7 | $1,125,000 | $160,000 | $280,000 | $960,000 | $5,259,000 |
| Asian | 2 | $320,000 | $160,000 | $290,000 | $36,000 | $41,000 |
| Black or African American | 2 | $281,000 | $140,000 | $221,000 | $79,000 | $90,000 |
| Hispanic | 2 | $496,000 | $248,000 | $304,000 | $65,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 84 | $21,601,000 | $231,500 | $1,421,000 | $174,000 | $5,259,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 44 | $15,827,000 | $359,000 | $1,421,000 | $108,000 | $438,000 |
| Loan Originated | 33 | $4,952,000 | $177,000 | $1,025,000 | $225,000 | $5,259,000 |
| Application Denied By Financial Institution | 3 | $145,000 | $48,000 | $80,000 | $60,000 | $90,000 |
| Application Withdrawn By Applicant | 3 | $27,000 | $9,000 | $12,000 | $55,000 | $85,000 |
| Application Approved But Not Accepted | 1 | $650,000 | $650,000 | $650,000 | $1,800,000 | $1,800,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | $140,000 | $70,000 | $80,000 | $76,000 | $90,000 |
| Debt-To-Income Ratio | 1 | $5,000 | $5,000 | $5,000 | $30,000 | $30,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Annapolis Bank & Trust Company'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 Annapolis Bank & Trust Company'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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