Howard Bank Mortgage Lending & HMDA Data, 2014
In 2014, Howard Bank of Ellicott City, MD reported 1,820 mortgage applications totaling $394.3 million, up 990% from 2013. The average application was for $216,649, and applicants reported an average income of $92,368. 70% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (963), Washington-Arlington-Alexandria, DC-VA-MD-WV (48) and Wilmington, DE-MD-NJ (39) (applications in parentheses).
| Mortgage Company & Address | Howard Bank 6011 University Blvd #370 Ellicott City, MD 21043 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,820 |
| Total Mortgage Loan Application Amount | $394,302,000 |
| Average Mortgage Loan Application Amount | $216,649 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $92,368 |
| Highest Applicant Income | $2,635,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Howard Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore, Maryland | 407 | $ 82,502,000 | $ 202,707 | $ 76,000 |
| Baltimore City, Maryland | 175 | $ 33,783,000 | $ 193,045 | $ 89,000 |
| Harford, Maryland | 141 | $ 36,144,000 | $ 256,340 | $ 102,000 |
| Anne Arundel, Maryland | 135 | $ 40,644,000 | $ 301,066 | $ 154,000 |
| Howard, Maryland | 63 | $ 22,522,000 | $ 357,492 | $ 159,000 |
| Carroll, Maryland | 35 | $ 8,571,000 | $ 244,885 | $ 79,000 |
| Cecil, Maryland | 32 | $ 6,152,000 | $ 192,250 | $ 64,000 |
| Washington, Maryland | 32 | $ 7,002,000 | $ 218,812 | $ 82,000 |
| Maricopa, Arizona | 25 | $ 3,354,000 | $ 134,160 | $ 58,000 |
| Prince George's, Maryland | 15 | $ 4,114,000 | $ 274,266 | $ 103,000 |
| York, Pennsylvania | 15 | $ 2,786,000 | $ 185,733 | $ 78,000 |
| Montgomery, Maryland | 12 | $ 5,561,000 | $ 463,416 | $ 204,000 |
| Cook, Illinois | 11 | $ 2,119,000 | $ 192,636 | $ 97,000 |
| Frederick, Maryland | 11 | $ 2,387,000 | $ 217,000 | $ 73,000 |
| Clark, Nevada | 11 | $ 1,775,000 | $ 161,363 | $ 73,000 |
| Los Angeles, California | 10 | $ 2,398,000 | $ 239,800 | $ 89,000 |
| San Diego, California | 10 | $ 3,729,000 | $ 372,900 | $ 107,000 |
| Worcester, Maryland | 9 | $ 2,506,000 | $ 278,444 | $ 331,000 |
| Riverside, California | 8 | $ 2,182,000 | $ 272,750 | $ 97,000 |
| Hillsborough, Florida | 8 | $ 1,302,000 | $ 162,750 | $ 82,000 |
| New Castle, Delaware | 7 | $ 1,426,000 | $ 203,714 | $ 53,000 |
| District of Columbia, District Of Columbia | 7 | $ 2,480,000 | $ 354,285 | $ 127,000 |
| Broward, Florida | 7 | $ 1,464,000 | $ 209,142 | $ 70,000 |
| Palm Beach, Florida | 7 | $ 1,522,000 | $ 217,428 | $ 84,000 |
| Queen Anne's, Maryland | 7 | $ 1,580,000 | $ 225,714 | $ 65,000 |
| Kings, New York | 7 | $ 3,111,000 | $ 444,428 | $ 129,000 |
| Adams, Pennsylvania | 7 | $ 1,621,000 | $ 231,571 | $ 114,000 |
| San Bernardino, California | 6 | $ 2,120,000 | $ 353,333 | $ 103,000 |
| Lee, Florida | 6 | $ 578,000 | $ 96,333 | $ 51,000 |
| Miami-Dade, Florida | 6 | $ 3,280,000 | $ 546,666 | $ 416,000 |
| Charles, Maryland | 6 | $ 1,565,000 | $ 260,833 | $ 42,000 |
| Wayne, Michigan | 6 | $ 696,000 | $ 116,000 | $ 65,000 |
| Bergen, New Jersey | 6 | $ 2,212,000 | $ 368,666 | $ 188,000 |
| Erie, New York | 6 | $ 460,000 | $ 76,666 | $ 38,000 |
| Fairfax, Virginia | 6 | $ 2,437,000 | $ 406,166 | $ 104,000 |
| Jefferson, Alabama | 5 | $ 253,000 | $ 50,600 | $ 31,000 |
| Alameda, California | 5 | $ 1,705,000 | $ 341,000 | $ 104,000 |
| Contra Costa, California | 5 | $ 1,829,000 | $ 365,800 | $ 73,000 |
| El Paso, Colorado | 5 | $ 906,000 | $ 181,200 | $ 60,000 |
| Nassau, New York | 5 | $ 1,966,000 | $ 393,200 | $ 118,000 |
| Orange, California | 4 | $ 999,000 | $ 249,750 | $ 67,000 |
| Sacramento, California | 4 | $ 726,000 | $ 181,500 | $ 53,000 |
| Santa Clara, California | 4 | $ 1,398,000 | $ 349,500 | $ 55,000 |
| Ventura, California | 4 | $ 1,659,000 | $ 414,750 | $ 72,000 |
| Larimer, Colorado | 4 | $ 703,000 | $ 175,750 | $ 70,000 |
| Sussex, Delaware | 4 | $ 1,072,000 | $ 268,000 | $ 291,000 |
| Honolulu, Hawaii | 4 | $ 2,048,000 | $ 512,000 | $ 115,000 |
| Jefferson, Louisiana | 4 | $ 336,000 | $ 84,000 | $ 47,000 |
| Calvert, Maryland | 4 | $ 1,617,000 | $ 404,250 | $ 166,000 |
| Worcester, Massachusetts | 4 | $ 545,000 | $ 136,250 | $ 64,000 |
| Kent, Michigan | 4 | $ 250,000 | $ 62,500 | $ 27,000 |
| Macomb, Michigan | 4 | $ 794,000 | $ 198,500 | $ 108,000 |
| Suffolk, New York | 4 | $ 666,000 | $ 166,500 | $ 83,000 |
| Wake, North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 111,000 |
| Chester, Pennsylvania | 4 | $ 830,000 | $ 207,500 | $ 102,000 |
| Franklin, Pennsylvania | 4 | $ 592,000 | $ 148,000 | $ 47,000 |
| Luzerne, Pennsylvania | 4 | $ 417,000 | $ 104,250 | $ 59,000 |
| York, South Carolina | 4 | $ 614,000 | $ 153,500 | $ 47,000 |
| Orange, Florida | 3 | $ 439,000 | $ 146,333 | $ 61,000 |
| Pinellas, Florida | 3 | $ 266,000 | $ 88,666 | $ 34,000 |
| Volusia, Florida | 3 | $ 302,000 | $ 100,666 | $ 61,000 |
| Cobb, Georgia | 3 | $ 793,000 | $ 264,333 | $ 129,000 |
| Fulton, Georgia | 3 | $ 484,000 | $ 161,333 | $ 113,000 |
| Paulding, Georgia | 3 | $ 335,000 | $ 111,666 | $ 51,000 |
| Lake, Indiana | 3 | $ 205,000 | $ 68,333 | $ 59,000 |
| Johnson, Kansas | 3 | $ 745,000 | $ 248,333 | $ 214,000 |
| Hampden, Massachusetts | 3 | $ 368,000 | $ 122,666 | $ 56,000 |
| Monmouth, New Jersey | 3 | $ 189,000 | $ 63,000 | $ 60,000 |
| Ocean, New Jersey | 3 | $ 642,000 | $ 214,000 | $ 146,000 |
| Onondaga, New York | 3 | $ 298,000 | $ 99,333 | $ 60,000 |
| Westchester, New York | 3 | $ 595,000 | $ 198,333 | $ 113,000 |
| Cumberland, North Carolina | 3 | $ 148,000 | $ 49,333 | $ 102,000 |
| Mecklenburg, North Carolina | 3 | $ 417,000 | $ 139,000 | $ 53,000 |
| Lake, Ohio | 3 | $ 414,000 | $ 138,000 | $ 58,000 |
| Cleveland, Oklahoma | 3 | $ 333,000 | $ 111,000 | $ 54,000 |
| Allegheny, Pennsylvania | 3 | $ 393,000 | $ 131,000 | $ 80,000 |
| Lancaster, Pennsylvania | 3 | $ 368,000 | $ 122,666 | $ 66,000 |
| Philadelphia, Pennsylvania | 3 | $ 465,000 | $ 155,000 | $ 44,000 |
| Hanover, Virginia | 3 | $ 470,000 | $ 156,666 | $ 42,000 |
| Prince William, Virginia | 3 | $ 1,271,000 | $ 423,666 | $ 124,000 |
| King, Washington | 3 | $ 1,132,000 | $ 377,333 | $ 74,000 |
| Raleigh, West Virginia | 3 | $ 292,000 | $ 97,333 | $ 52,000 |
| Jackson, Alabama | 2 | $ 115,000 | $ 57,500 | $ 31,000 |
| Madison, Alabama | 2 | $ 271,000 | $ 135,500 | $ 29,000 |
| Cochise, Arizona | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Pima, Arizona | 2 | $ 192,000 | $ 96,000 | $ 43,000 |
| Kern, California | 2 | $ 569,000 | $ 284,500 | $ 97,000 |
| Solano, California | 2 | $ 281,000 | $ 140,500 | $ 64,000 |
| Sonoma, California | 2 | $ 667,000 | $ 333,500 | $ 123,000 |
| Denver, Colorado | 2 | $ 525,000 | $ 262,500 | $ 64,000 |
| Douglas, Colorado | 2 | $ 571,000 | $ 285,500 | $ 58,000 |
| Litchfield, Connecticut | 2 | $ 254,000 | $ 127,000 | $ 68,000 |
| New Haven, Connecticut | 2 | $ 225,000 | $ 112,500 | $ 61,000 |
| Clay, Florida | 2 | $ 316,000 | $ 158,000 | $ 73,000 |
| Osceola, Florida | 2 | $ 271,000 | $ 135,500 | $ 46,000 |
| Polk, Florida | 2 | $ 428,000 | $ 214,000 | $ 77,000 |
| Walton, Florida | 2 | $ 306,000 | $ 153,000 | $ 60,000 |
| Gwinnett, Georgia | 2 | $ 196,000 | $ 98,000 | $ 45,000 |
| Hall, Georgia | 2 | $ 592,000 | $ 296,000 | $ 99,000 |
| Muscogee, Georgia | 2 | $ 149,000 | $ 74,500 | $ 59,000 |
| Lake, Illinois | 2 | $ 108,000 | $ 54,000 | $ 31,000 |
| Tippecanoe, Indiana | 2 | $ 272,000 | $ 136,000 | $ 272,000 |
| Woodbury, Iowa | 2 | $ 208,000 | $ 104,000 | $ 46,000 |
| Wyandotte, Kansas | 2 | $ 101,000 | $ 50,500 | $ 57,000 |
| Jefferson, Kentucky | 2 | $ 407,000 | $ 203,500 | $ 56,000 |
| Caroline, Maryland | 2 | $ 351,000 | $ 175,500 | $ 66,000 |
| Dorchester, Maryland | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Middlesex, Massachusetts | 2 | $ 248,000 | $ 124,000 | $ 90,000 |
| Norfolk, Massachusetts | 2 | $ 672,000 | $ 336,000 | $ 86,000 |
| Suffolk, Massachusetts | 2 | $ 291,000 | $ 145,500 | $ 98,000 |
| Grand Traverse, Michigan | 2 | $ 101,000 | $ 50,500 | $ 29,000 |
| Oakland, Michigan | 2 | $ 459,000 | $ 229,500 | $ 131,000 |
| Hennepin, Minnesota | 2 | $ 279,000 | $ 139,500 | $ 51,000 |
| Madison, Mississippi | 2 | $ 94,000 | $ 47,000 | $ 26,000 |
| Carson City, Nevada | 2 | $ 130,000 | $ 65,000 | $ 22,000 |
| Washoe, Nevada | 2 | $ 511,000 | $ 255,500 | $ 125,000 |
| Essex, New Jersey | 2 | $ 173,000 | $ 86,500 | $ 112,000 |
| Middlesex, New Jersey | 2 | $ 185,000 | $ 92,500 | $ 47,000 |
| Union, New Jersey | 2 | $ 1,045,000 | $ 522,500 | $ 275,000 |
| Dona Ana, New Mexico | 2 | $ 380,000 | $ 190,000 | $ 35,000 |
| Oneida, New York | 2 | $ 168,000 | $ 84,000 | $ 47,000 |
| Orange, New York | 2 | $ 457,000 | $ 228,500 | $ 76,000 |
| Putnam, New York | 2 | $ 510,000 | $ 255,000 | $ 127,000 |
| Queens, New York | 2 | $ 504,000 | $ 252,000 | $ 79,000 |
| Richmond, New York | 2 | $ 446,000 | $ 223,000 | $ 79,000 |
| Saratoga, New York | 2 | $ 133,000 | $ 66,500 | $ 57,000 |
| Warren, New York | 2 | $ 334,000 | $ 167,000 | $ 129,000 |
| Montgomery, Ohio | 2 | $ 188,000 | $ 94,000 | $ 64,000 |
| Williams, Ohio | 2 | $ 112,000 | $ 56,000 | $ 40,000 |
| Multnomah, Oregon | 2 | $ 309,000 | $ 154,500 | $ 128,000 |
| Washington, Oregon | 2 | $ 618,000 | $ 309,000 | $ 124,000 |
| Indiana, Pennsylvania | 2 | $ 226,000 | $ 113,000 | $ 113,000 |
| Aiken, South Carolina | 2 | $ 193,000 | $ 96,500 | $ 64,000 |
| Charleston, South Carolina | 2 | $ 708,000 | $ 354,000 | $ 118,000 |
| Utah, Utah | 2 | $ 461,000 | $ 230,500 | $ 85,000 |
| Henrico, Virginia | 2 | $ 536,000 | $ 268,000 | $ 168,000 |
| Orange, Virginia | 2 | $ 175,000 | $ 87,500 | $ 33,000 |
| Spotsylvania, Virginia | 2 | $ 1,032,000 | $ 516,000 | $ 206,000 |
| Thurston, Washington | 2 | $ 479,000 | $ 239,500 | $ 45,000 |
| Whatcom, Washington | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Berkeley, West Virginia | 2 | $ 258,000 | $ 129,000 | $ 36,000 |
| Jefferson, West Virginia | 2 | $ 1,051,000 | $ 525,500 | $ 105,000 |
| Dane, Wisconsin | 2 | $ 449,000 | $ 224,500 | $ 102,000 |
| Calhoun, Alabama | 1 | $ 46,000 | $ 46,000 | $ 74,000 |
| Coffee, Alabama | 1 | $ 149,000 | $ 149,000 | $ 107,000 |
| Colbert, Alabama | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Crenshaw, Alabama | 1 | $ 58,000 | $ 58,000 | $ 161,000 |
| Etowah, Alabama | 1 | $ 121,000 | $ 121,000 | $ 120,000 |
| Mobile, Alabama | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Russell, Alabama | 1 | $ 199,000 | $ 199,000 | $ 13,000 |
| Anchorage, Alaska | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Pinal, Arizona | 1 | $ 181,000 | $ 181,000 | $ 47,000 |
| Yavapai, Arizona | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Yuma, Arizona | 1 | $ 268,000 | $ 268,000 | $ 95,000 |
| Faulkner, Arkansas | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Jefferson, Arkansas | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Pulaski, Arkansas | 1 | $ 130,000 | $ 130,000 | $ 75,000 |
| Washington, Arkansas | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Calaveras, California | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| El Dorado, California | 1 | $ 239,000 | $ 239,000 | $ 60,000 |
| Monterey, California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Napa, California | 1 | $ 486,000 | $ 486,000 | $ 0 |
| Placer, California | 1 | $ 281,000 | $ 281,000 | $ 113,000 |
| San Joaquin, California | 1 | $ 168,000 | $ 168,000 | $ 51,000 |
| Stanislaus, California | 1 | $ 262,000 | $ 262,000 | $ 97,000 |
| Adams, Colorado | 1 | $ 211,000 | $ 211,000 | $ 68,000 |
| Arapahoe, Colorado | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Delta, Colorado | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Elbert, Colorado | 1 | $ 534,000 | $ 534,000 | $ 238,000 |
| Fremont, Colorado | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Jefferson, Colorado | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Teller, Colorado | 1 | $ 349,000 | $ 349,000 | $ 121,000 |
| Fairfield, Connecticut | 1 | $ 146,000 | $ 146,000 | $ 61,000 |
| Hartford, Connecticut | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Middlesex, Connecticut | 1 | $ 236,000 | $ 236,000 | $ 108,000 |
| New London, Connecticut | 1 | $ 224,000 | $ 224,000 | $ 40,000 |
| Windham, Connecticut | 1 | $ 98,000 | $ 98,000 | $ 26,000 |
| Kent, Delaware | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Bay, Florida | 1 | $ 94,000 | $ 94,000 | $ 156,000 |
| Charlotte, Florida | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Collier, Florida | 1 | $ 170,000 | $ 170,000 | $ 78,000 |
| Duval, Florida | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Escambia, Florida | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| Lake, Florida | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Manatee, Florida | 1 | $ 263,000 | $ 263,000 | $ 77,000 |
| Martin, Florida | 1 | $ 417,000 | $ 417,000 | $ 188,000 |
| Okaloosa, Florida | 1 | $ 266,000 | $ 266,000 | $ 69,000 |
| Santa Rosa, Florida | 1 | $ 270,000 | $ 270,000 | $ 70,000 |
| Sarasota, Florida | 1 | $ 134,000 | $ 134,000 | $ 119,000 |
| Seminole, Florida | 1 | $ 351,000 | $ 351,000 | $ 130,000 |
| St. Johns, Florida | 1 | $ 330,000 | $ 330,000 | $ 184,000 |
| Sumter, Florida | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Wakulla, Florida | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Bibb, Georgia | 1 | $ 308,000 | $ 308,000 | $ 93,000 |
| Cherokee, Georgia | 1 | $ 174,000 | $ 174,000 | $ 121,000 |
| DeKalb, Georgia | 1 | $ 390,000 | $ 390,000 | $ 194,000 |
| Elbert, Georgia | 1 | $ 97,000 | $ 97,000 | $ 53,000 |
| Henry, Georgia | 1 | $ 83,000 | $ 83,000 | $ 113,000 |
| Madison, Georgia | 1 | $ 50,000 | $ 50,000 | $ 29,000 |
| Pierce, Georgia | 1 | $ 53,000 | $ 53,000 | $ 76,000 |
| Troup, Georgia | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Hawaii, Hawaii | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Ada, Idaho | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Bonneville, Idaho | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Boundary, Idaho | 1 | $ 340,000 | $ 340,000 | $ 210,000 |
| Canyon, Idaho | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Kootenai, Idaho | 1 | $ 362,000 | $ 362,000 | $ 89,000 |
| Knox, Illinois | 1 | $ 91,000 | $ 91,000 | $ 52,000 |
| Macoupin, Illinois | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| St. Clair, Illinois | 1 | $ 54,000 | $ 54,000 | $ 86,000 |
| Tazewell, Illinois | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Allen, Indiana | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Carroll, Indiana | 1 | $ 65,000 | $ 65,000 | $ 14,000 |
| Clark, Indiana | 1 | $ 49,000 | $ 49,000 | $ 64,000 |
| DeKalb, Indiana | 1 | $ 83,000 | $ 83,000 | $ 78,000 |
| Hamilton, Indiana | 1 | $ 211,000 | $ 211,000 | $ 155,000 |
| Madison, Indiana | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Marion, Indiana | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Montgomery, Indiana | 1 | $ 53,000 | $ 53,000 | $ 83,000 |
| St. Joseph, Indiana | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Washington, Indiana | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Whitley, Indiana | 1 | $ 102,000 | $ 102,000 | $ 53,000 |
| Pawnee, Kansas | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| Saline, Kansas | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Sedgwick, Kansas | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Wichita, Kansas | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Casey, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Madison, Kentucky | 1 | $ 191,000 | $ 191,000 | $ 67,000 |
| Caddo, Louisiana | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| East Baton Rouge, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Lafayette, Louisiana | 1 | $ 106,000 | $ 106,000 | $ 49,000 |
| Orleans, Louisiana | 1 | $ 295,000 | $ 295,000 | $ 65,000 |
| Rapides, Louisiana | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Sabine, Louisiana | 1 | $ 112,000 | $ 112,000 | $ 118,000 |
| Tangipahoa, Louisiana | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| St. Mary's, Maryland | 1 | $ 90,000 | $ 90,000 | $ 108,000 |
| Wicomico, Maryland | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| Barnstable, Massachusetts | 1 | $ 154,000 | $ 154,000 | $ 67,000 |
| Bristol, Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Plymouth, Massachusetts | 1 | $ 94,000 | $ 94,000 | $ 128,000 |
| Eaton, Michigan | 1 | $ 82,000 | $ 82,000 | $ 51,000 |
| Isabella, Michigan | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Lenawee, Michigan | 1 | $ 51,000 | $ 51,000 | $ 30,000 |
| Muskegon, Michigan | 1 | $ 51,000 | $ 51,000 | $ 26,000 |
| Newaygo, Michigan | 1 | $ 109,000 | $ 109,000 | $ 275,000 |
| Sanilac, Michigan | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| St. Clair, Michigan | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Washtenaw, Michigan | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Chisago, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Cottonwood, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Dakota, Minnesota | 1 | $ 208,000 | $ 208,000 | $ 58,000 |
| Marshall, Minnesota | 1 | $ 134,000 | $ 134,000 | $ 55,000 |
| Nicollet, Minnesota | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Olmsted, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Polk, Minnesota | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Ramsey, Minnesota | 1 | $ 91,000 | $ 91,000 | $ 147,000 |
| Sherburne, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 107,000 |
| Adams, Mississippi | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| DeSoto, Mississippi | 1 | $ 565,000 | $ 565,000 | $ 142,000 |
| Perry, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Rankin, Mississippi | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Warren, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Cape Girardeau, Missouri | 1 | $ 184,000 | $ 184,000 | $ 149,000 |
| Cass, Missouri | 1 | $ 160,000 | $ 160,000 | $ 125,000 |
| Pulaski, Missouri | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| St. Louis, Missouri | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Gallatin, Montana | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Ravalli, Montana | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Silver Bow, Montana | 1 | $ 78,000 | $ 78,000 | $ 145,000 |
| Stillwater, Montana | 1 | $ 151,000 | $ 151,000 | $ 85,000 |
| Cass, Nebraska | 1 | $ 416,000 | $ 416,000 | $ 251,000 |
| Custer, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Douglas, Nebraska | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Lancaster, Nebraska | 1 | $ 108,000 | $ 108,000 | $ 99,000 |
| Saunders, Nebraska | 1 | $ 74,000 | $ 74,000 | $ 51,000 |
| White Pine, Nevada | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Carroll, New Hampshire | 1 | $ 260,000 | $ 260,000 | $ 34,000 |
| Merrimack, New Hampshire | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Strafford, New Hampshire | 1 | $ 405,000 | $ 405,000 | $ 152,000 |
| Camden, New Jersey | 1 | $ 210,000 | $ 210,000 | $ 300,000 |
| Gloucester, New Jersey | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Morris, New Jersey | 1 | $ 584,000 | $ 584,000 | $ 217,000 |
| Somerset, New Jersey | 1 | $ 278,000 | $ 278,000 | $ 92,000 |
| Warren, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Bernalillo, New Mexico | 1 | $ 167,000 | $ 167,000 | $ 24,000 |
| Cibola, New Mexico | 1 | $ 84,000 | $ 84,000 | $ 215,000 |
| Luna, New Mexico | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Sandoval, New Mexico | 1 | $ 468,000 | $ 468,000 | $ 111,000 |
| Albany, New York | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Bronx, New York | 1 | $ 102,000 | $ 102,000 | $ 58,000 |
| Broome, New York | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Cayuga, New York | 1 | $ 51,000 | $ 51,000 | $ 12,000 |
| Clinton, New York | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Greene, New York | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Herkimer, New York | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Jefferson, New York | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Monroe, New York | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Ontario, New York | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Otsego, New York | 1 | $ 108,000 | $ 108,000 | $ 90,000 |
| Rockland, New York | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Seneca, New York | 1 | $ 68,000 | $ 68,000 | $ 63,000 |
| St. Lawrence, New York | 1 | $ 74,000 | $ 74,000 | $ 89,000 |
| Sullivan, New York | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Tioga, New York | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Alamance, North Carolina | 1 | $ 51,000 | $ 51,000 | $ 13,000 |
| Beaufort, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 155,000 |
| Brunswick, North Carolina | 1 | $ 154,000 | $ 154,000 | $ 65,000 |
| Buncombe, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 113,000 |
| Craven, North Carolina | 1 | $ 74,000 | $ 74,000 | $ 61,000 |
| Davidson, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Durham, North Carolina | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Forsyth, North Carolina | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Harnett, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 64,000 |
| Henderson, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Johnston, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 26,000 |
| McDowell, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Moore, North Carolina | 1 | $ 410,000 | $ 410,000 | $ 81,000 |
| Pitt, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 56,000 |
| Rowan, North Carolina | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Union, North Carolina | 1 | $ 263,000 | $ 263,000 | $ 136,000 |
| Warren, North Carolina | 1 | $ 42,000 | $ 42,000 | $ 26,000 |
| Renville, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Butler, Ohio | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Clermont, Ohio | 1 | $ 272,000 | $ 272,000 | $ 97,000 |
| Cuyahoga, Ohio | 1 | $ 66,000 | $ 66,000 | $ 56,000 |
| Erie, Ohio | 1 | $ 41,000 | $ 41,000 | $ 47,000 |
| Franklin, Ohio | 1 | $ 263,000 | $ 263,000 | $ 58,000 |
| Knox, Ohio | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Stark, Ohio | 1 | $ 131,000 | $ 131,000 | $ 108,000 |
| Summit, Ohio | 1 | $ 192,000 | $ 192,000 | $ 140,000 |
| Warren, Ohio | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Wood, Ohio | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Canadian, Oklahoma | 1 | $ 121,000 | $ 121,000 | $ 52,000 |
| Delaware, Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 13,000 |
| Wagoner, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Clackamas, Oregon | 1 | $ 368,000 | $ 368,000 | $ 89,000 |
| Deschutes, Oregon | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Klamath, Oregon | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Yamhill, Oregon | 1 | $ 209,000 | $ 209,000 | $ 51,000 |
| Bucks, Pennsylvania | 1 | $ 199,000 | $ 199,000 | $ 52,000 |
| Cumberland, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 34,000 |
| Delaware, Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 35,000 |
| Fayette, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Fulton, Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 32,000 |
| Huntingdon, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Lebanon, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Washington, Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 87,000 |
| Westmoreland, Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Anderson, South Carolina | 1 | $ 107,000 | $ 107,000 | $ 85,000 |
| Barnwell, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Berkeley, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Cherokee, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Clarendon, South Carolina | 1 | $ 56,000 | $ 56,000 | $ 49,000 |
| Lexington, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 65,000 |
| Oconee, South Carolina | 1 | $ 86,000 | $ 86,000 | $ 14,000 |
| Saluda, South Carolina | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Spartanburg, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Minnehaha, South Dakota | 1 | $ 51,000 | $ 51,000 | $ 51,000 |
| Chester, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Knox, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 149,000 |
| Maury, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 32,000 |
| Monroe, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Rutherford, Tennessee | 1 | $ 511,000 | $ 511,000 | $ 155,000 |
| Shelby, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 90,000 |
| Smith, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 28,000 |
| Sumner, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Washington, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Wilson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 455,000 |
| Bell, Texas | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Smith, Texas | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Travis, Texas | 1 | $ 288,000 | $ 288,000 | $ 288,000 |
| Salt Lake, Utah | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Washington, Utah | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Weber, Utah | 1 | $ 170,000 | $ 170,000 | $ 39,000 |
| Orange, Vermont | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Windham, Vermont | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Albemarle, Virginia | 1 | $ 77,000 | $ 77,000 | $ 135,000 |
| Alexandria, Virginia | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Amherst, Virginia | 1 | $ 76,000 | $ 76,000 | $ 67,000 |
| Bristol, Virginia | 1 | $ 41,000 | $ 41,000 | $ 120,000 |
| Caroline, Virginia | 1 | $ 163,000 | $ 163,000 | $ 101,000 |
| Charlottesville, Virginia | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Chesapeake, Virginia | 1 | $ 331,000 | $ 331,000 | $ 141,000 |
| Chesterfield, Virginia | 1 | $ 174,000 | $ 174,000 | $ 135,000 |
| Fauquier, Virginia | 1 | $ 469,000 | $ 469,000 | $ 141,000 |
| Giles, Virginia | 1 | $ 134,000 | $ 134,000 | $ 69,000 |
| Gloucester, Virginia | 1 | $ 125,000 | $ 125,000 | $ 17,000 |
| Greene, Virginia | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Harrisonburg, Virginia | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Henry, Virginia | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
| Newport News, Virginia | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Northumberland, Virginia | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Page, Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Pulaski, Virginia | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Roanoke City, Virginia | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Stafford, Virginia | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Virginia Beach, Virginia | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Spokane, Washington | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Barbour, West Virginia | 1 | $ 222,000 | $ 222,000 | $ 62,000 |
| Greenbrier, West Virginia | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Kanawha, West Virginia | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Mingo, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Putnam, West Virginia | 1 | $ 147,000 | $ 147,000 | $ 55,000 |
| Wood, West Virginia | 1 | $ 80,000 | $ 80,000 | $ 16,000 |
| Brown, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Fond du Lac, Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Rock, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Vilas, Wisconsin | 1 | $ 222,000 | $ 222,000 | $ 96,000 |
| Waukesha, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 116,000 |
| Natrona, Wyoming | 1 | $ 152,000 | $ 152,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Howard Bank in 2014
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 | 946 | $218,188,000 | $230,000 | $2,350,000 | $92,000 | $1,989,000 |
| Home Improvement | 486 | $83,173,000 | $171,000 | $940,000 | $83,000 | $688,000 |
| Refinancing | 388 | $92,941,000 | $239,000 | $954,000 | $105,000 | $2,635,000 |
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 | 1,279 | $277,938,000 | $217,000 | $1,680,000 | $98,000 | $2,635,000 |
| Black or African American | 274 | $51,170,000 | $186,000 | $602,000 | $66,000 | $225,000 |
| Not Provided | 104 | $23,868,000 | $229,000 | $999,000 | $79,000 | $522,000 |
| Asian | 69 | $17,400,000 | $252,000 | $825,000 | $117,000 | $907,000 |
| Hispanic | 64 | $14,954,000 | $233,000 | $940,000 | $84,000 | $218,000 |
| Not applicable | 16 | $3,368,000 | $210,000 | $750,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $4,258,000 | $608,000 | $2,350,000 | $364,000 | $1,989,000 |
| American Indian or Alaskan Native | 7 | $1,346,000 | $192,000 | $398,000 | $95,000 | $181,000 |
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) | 1,122 | $244,967,000 | $218,000 | $2,350,000 | $108,000 | $2,635,000 |
| FHA-insured (Federal Housing Administration) | 491 | $90,008,000 | $183,000 | $636,000 | $64,000 | $465,000 |
| VA-guaranteed (Veterans Administration) | 168 | $51,747,000 | $308,000 | $954,000 | $83,000 | $331,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $7,580,000 | $194,000 | $418,000 | $60,000 | $116,000 |
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 | 1,283 | $286,225,000 | $223,000 | $2,350,000 | $92,000 | $1,989,000 |
| Application Denied By Financial Institution | 204 | $38,930,000 | $190,000 | $750,000 | $65,000 | $501,000 |
| File Closed For Incompleteness | 146 | $25,136,000 | $172,000 | $928,000 | $127,000 | $2,635,000 |
| Application Withdrawn By Applicant | 132 | $31,458,000 | $238,000 | $880,000 | $105,000 | $479,000 |
| Application Approved But Not Accepted | 55 | $12,553,000 | $228,000 | $999,000 | $95,000 | $417,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 97 | $21,770,000 | $224,000 | $750,000 | $58,000 | $501,000 |
| Credit History | 40 | $5,910,000 | $147,000 | $450,000 | $61,000 | $149,000 |
| Collateral | 34 | $5,607,000 | $164,000 | $530,000 | $77,000 | $487,000 |
| Other | 13 | $2,840,000 | $218,000 | $476,000 | $106,000 | $288,000 |
| Employment History | 13 | $1,854,000 | $142,000 | $221,000 | $56,000 | $115,000 |
| Unverifiable Information | 4 | $804,000 | $201,000 | $409,000 | $89,000 | $214,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $95,000 | $47,000 | $48,000 | $55,000 | $91,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Howard Bank's 2014 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 Howard 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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