Bay Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Bay Bank, Fsb 2015 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 | Bay Bank, Fsb 7151 Columbia Gateway Drive Columbia, MD 21046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 616 |
| Total Mortgage Loan Application Amount | $153,523,000 |
| Average Mortgage Loan Application Amount | $370,333 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $124,666 |
| Highest Applicant Income | $3,079,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Bay Bank, Fsb. 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 Bay Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Bay Bank, Fsb'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 Bay Bank, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Bay Bank, Fsb, 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 Bay Bank, Fsb's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore County Maryland | 230 | $ 56,551,000 | $ 245,000 | $ 87,000 |
| Harford County Maryland | 128 | $ 33,456,000 | $ 261,000 | $ 91,000 |
| Baltimore City County Maryland | 105 | $ 18,760,000 | $ 178,000 | $ 73,000 |
| Carroll County Maryland | 32 | $ 9,192,000 | $ 287,000 | $ 90,000 |
| Anne Arundel County Maryland | 20 | $ 5,584,000 | $ 279,000 | $ 73,000 |
| York County Pennsylvania | 19 | $ 3,778,000 | $ 198,000 | $ 71,000 |
| Cecil County Maryland | 18 | $ 5,075,000 | $ 281,000 | $ 92,000 |
| St. Mary's County Maryland | 11 | $ 2,709,000 | $ 246,000 | $ 86,000 |
| Howard County Maryland | 10 | $ 3,681,000 | $ 368,000 | $ 125,000 |
| Sussex County Delaware | 5 | $ 822,000 | $ 164,000 | $ 93,000 |
| Prince George's County Maryland | 5 | $ 1,394,000 | $ 278,000 | $ 63,000 |
| Queen Anne's County Maryland | 5 | $ 4,386,000 | $ 877,000 | $ 341,000 |
| Worcester County Maryland | 4 | $ 1,143,000 | $ 285,000 | $ 341,000 |
| Frederick County Maryland | 3 | $ 587,000 | $ 195,000 | $ 48,000 |
| Montgomery County Maryland | 3 | $ 1,012,000 | $ 337,000 | $ 341,000 |
| Chester County Pennsylvania | 3 | $ 848,000 | $ 282,000 | $ 81,000 |
| New Castle County Delaware | 2 | $ 398,000 | $ 199,000 | $ 59,000 |
| Los Angeles County California | 1 | $ 506,000 | $ 506,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 332,000 | $ 332,000 | $ 159,000 |
| Kent County Maryland | 1 | $ 200,000 | $ 200,000 | $ 128,000 |
| Somerset County Maryland | 1 | $ 174,000 | $ 174,000 | $ 340,000 |
| Talbot County Maryland | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Bronx County New York | 1 | $ 194,000 | $ 194,000 | $ 50,000 |
| New York County New York | 1 | $ 640,000 | $ 640,000 | $ 3,079,000 |
| Delaware County Pennsylvania | 1 | $ 276,000 | $ 276,000 | $ 180,000 |
| Alexandria County Virginia | 1 | $ 212,000 | $ 212,000 | $ 118,000 |
| Loudoun County Virginia | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Manassas Park County Virginia | 1 | $ 226,000 | $ 226,000 | $ 71,000 |
| Prince William County Virginia | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 229,000 | $ 229,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Bay Bank, Fsb in 2015
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 | 470 | $108,279,000 | $230,000 | $1,048,000 | $85,000 | $708,000 |
| Refinancing | 135 | $38,691,000 | $286,000 | $1,683,000 | $124,000 | $3,079,000 |
| Home Improvement | 11 | $6,553,000 | $595,000 | $2,300,000 | $165,000 | $780,000 |
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 | 442 | $113,522,000 | $256,000 | $1,750,000 | $105,000 | $3,079,000 |
| Black or African American | 129 | $27,130,000 | $210,000 | $751,000 | $67,000 | $222,000 |
| Hispanic | 26 | $5,480,000 | $210,000 | $506,000 | $66,000 | $193,000 |
| Asian | 15 | $4,207,000 | $280,000 | $930,000 | $99,000 | $242,000 |
| Not applicable | 2 | $2,600,000 | $1,300,000 | $2,300,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $356,000 | $356,000 | $356,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $228,000 | $228,000 | $228,000 | $74,000 | $74,000 |
| Not Provided | 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) | 304 | $82,442,000 | $271,000 | $2,300,000 | $124,000 | $3,079,000 |
| FHA-insured (Federal Housing Administration) | 237 | $49,465,000 | $208,000 | $527,000 | $62,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 44 | $13,461,000 | $305,000 | $751,000 | $84,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $8,155,000 | $263,000 | $367,000 | $75,000 | $112,000 |
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 | 520 | $129,600,000 | $249,000 | $2,300,000 | $89,000 | $1,653,000 |
| Application Denied By Financial Institution | 45 | $10,765,000 | $239,000 | $840,000 | $90,000 | $340,000 |
| Application Withdrawn By Applicant | 44 | $11,598,000 | $263,000 | $1,750,000 | $166,000 | $3,079,000 |
| Application Approved But Not Accepted | 5 | $978,000 | $195,000 | $404,000 | $105,000 | $255,000 |
| File Closed For Incompleteness | 2 | $582,000 | $291,000 | $374,000 | $148,000 | $166,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $3,040,000 | $202,000 | $467,000 | $117,000 | $340,000 |
| Debt-To-Income Ratio | 14 | $4,031,000 | $287,000 | $840,000 | $78,000 | $196,000 |
| Credit History | 9 | $2,535,000 | $281,000 | $469,000 | $84,000 | $154,000 |
| Other | 3 | $469,000 | $156,000 | $279,000 | $36,000 | $65,000 |
| Employment History | 2 | $281,000 | $140,000 | $143,000 | $94,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $247,000 | $247,000 | $247,000 | $63,000 | $63,000 |
| Unverifiable Information | 1 | $162,000 | $162,000 | $162,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay Bank, Fsb's 2015 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 Bay Bank, Fsb'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.