Howard Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Howard Bank 2014 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 | 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 | $213,333 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $93,333 |
| Highest Applicant Income | $2,635,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with Howard 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 Howard Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down Howard 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 Howard Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Howard 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 Howard Bank's mortgage activity for 2014.
| 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 | 407 | $ 82,502,000 | $ 202,000 | $ 76,000 |
| Baltimore City County Maryland | 175 | $ 33,783,000 | $ 193,000 | $ 89,000 |
| Harford County Maryland | 141 | $ 36,144,000 | $ 256,000 | $ 102,000 |
| Anne Arundel County Maryland | 135 | $ 40,644,000 | $ 301,000 | $ 154,000 |
| Howard County Maryland | 63 | $ 22,522,000 | $ 357,000 | $ 159,000 |
| Carroll County Maryland | 35 | $ 8,571,000 | $ 244,000 | $ 79,000 |
| Cecil County Maryland | 32 | $ 6,152,000 | $ 192,000 | $ 64,000 |
| Washington County Maryland | 32 | $ 7,002,000 | $ 218,000 | $ 82,000 |
| Maricopa County Arizona | 25 | $ 3,354,000 | $ 134,000 | $ 58,000 |
| Prince George's County Maryland | 15 | $ 4,114,000 | $ 274,000 | $ 103,000 |
| York County Pennsylvania | 15 | $ 2,786,000 | $ 185,000 | $ 78,000 |
| Montgomery County Maryland | 12 | $ 5,561,000 | $ 463,000 | $ 204,000 |
| Cook County Illinois | 11 | $ 2,119,000 | $ 192,000 | $ 97,000 |
| Frederick County Maryland | 11 | $ 2,387,000 | $ 217,000 | $ 73,000 |
| Clark County Nevada | 11 | $ 1,775,000 | $ 161,000 | $ 73,000 |
| Los Angeles County California | 10 | $ 2,398,000 | $ 239,000 | $ 89,000 |
| San Diego County California | 10 | $ 3,729,000 | $ 372,000 | $ 107,000 |
| Worcester County Maryland | 9 | $ 2,506,000 | $ 278,000 | $ 331,000 |
| Riverside County California | 8 | $ 2,182,000 | $ 272,000 | $ 97,000 |
| Hillsborough County Florida | 8 | $ 1,302,000 | $ 162,000 | $ 82,000 |
| New Castle County Delaware | 7 | $ 1,426,000 | $ 203,000 | $ 53,000 |
| District of Columbia County District Of Columbia | 7 | $ 2,480,000 | $ 354,000 | $ 127,000 |
| Broward County Florida | 7 | $ 1,464,000 | $ 209,000 | $ 70,000 |
| Palm Beach County Florida | 7 | $ 1,522,000 | $ 217,000 | $ 84,000 |
| Queen Anne's County Maryland | 7 | $ 1,580,000 | $ 225,000 | $ 65,000 |
| Kings County New York | 7 | $ 3,111,000 | $ 444,000 | $ 129,000 |
| Adams County Pennsylvania | 7 | $ 1,621,000 | $ 231,000 | $ 114,000 |
| San Bernardino County California | 6 | $ 2,120,000 | $ 353,000 | $ 103,000 |
| Lee County Florida | 6 | $ 578,000 | $ 96,000 | $ 51,000 |
| Miami-Dade County Florida | 6 | $ 3,280,000 | $ 546,000 | $ 416,000 |
| Charles County Maryland | 6 | $ 1,565,000 | $ 260,000 | $ 42,000 |
| Wayne County Michigan | 6 | $ 696,000 | $ 116,000 | $ 65,000 |
| Bergen County New Jersey | 6 | $ 2,212,000 | $ 368,000 | $ 188,000 |
| Erie County New York | 6 | $ 460,000 | $ 76,000 | $ 38,000 |
| Fairfax County Virginia | 6 | $ 2,437,000 | $ 406,000 | $ 104,000 |
| Jefferson County Alabama | 5 | $ 253,000 | $ 50,000 | $ 31,000 |
| Alameda County California | 5 | $ 1,705,000 | $ 341,000 | $ 104,000 |
| Contra Costa County California | 5 | $ 1,829,000 | $ 365,000 | $ 73,000 |
| El Paso County Colorado | 5 | $ 906,000 | $ 181,000 | $ 60,000 |
| Nassau County New York | 5 | $ 1,966,000 | $ 393,000 | $ 118,000 |
| Orange County California | 4 | $ 999,000 | $ 249,000 | $ 67,000 |
| Sacramento County California | 4 | $ 726,000 | $ 181,000 | $ 53,000 |
| Santa Clara County California | 4 | $ 1,398,000 | $ 349,000 | $ 55,000 |
| Ventura County California | 4 | $ 1,659,000 | $ 414,000 | $ 72,000 |
| Larimer County Colorado | 4 | $ 703,000 | $ 175,000 | $ 70,000 |
| Sussex County Delaware | 4 | $ 1,072,000 | $ 268,000 | $ 291,000 |
| Honolulu County Hawaii | 4 | $ 2,048,000 | $ 512,000 | $ 115,000 |
| Jefferson County Louisiana | 4 | $ 336,000 | $ 84,000 | $ 47,000 |
| Calvert County Maryland | 4 | $ 1,617,000 | $ 404,000 | $ 166,000 |
| Worcester County Massachusetts | 4 | $ 545,000 | $ 136,000 | $ 64,000 |
| Kent County Michigan | 4 | $ 250,000 | $ 62,000 | $ 27,000 |
| Macomb County Michigan | 4 | $ 794,000 | $ 198,000 | $ 108,000 |
| Suffolk County New York | 4 | $ 666,000 | $ 166,000 | $ 83,000 |
| Wake County North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 111,000 |
| Chester County Pennsylvania | 4 | $ 830,000 | $ 207,000 | $ 102,000 |
| Franklin County Pennsylvania | 4 | $ 592,000 | $ 148,000 | $ 47,000 |
| Luzerne County Pennsylvania | 4 | $ 417,000 | $ 104,000 | $ 59,000 |
| York County South Carolina | 4 | $ 614,000 | $ 153,000 | $ 47,000 |
| Orange County Florida | 3 | $ 439,000 | $ 146,000 | $ 61,000 |
| Pinellas County Florida | 3 | $ 266,000 | $ 88,000 | $ 34,000 |
| Volusia County Florida | 3 | $ 302,000 | $ 100,000 | $ 61,000 |
| Cobb County Georgia | 3 | $ 793,000 | $ 264,000 | $ 129,000 |
| Fulton County Georgia | 3 | $ 484,000 | $ 161,000 | $ 113,000 |
| Paulding County Georgia | 3 | $ 335,000 | $ 111,000 | $ 51,000 |
| Lake County Indiana | 3 | $ 205,000 | $ 68,000 | $ 59,000 |
| Johnson County Kansas | 3 | $ 745,000 | $ 248,000 | $ 214,000 |
| Hampden County Massachusetts | 3 | $ 368,000 | $ 122,000 | $ 56,000 |
| Monmouth County New Jersey | 3 | $ 189,000 | $ 63,000 | $ 60,000 |
| Ocean County New Jersey | 3 | $ 642,000 | $ 214,000 | $ 146,000 |
| Onondaga County New York | 3 | $ 298,000 | $ 99,000 | $ 60,000 |
| Westchester County New York | 3 | $ 595,000 | $ 198,000 | $ 113,000 |
| Cumberland County North Carolina | 3 | $ 148,000 | $ 49,000 | $ 102,000 |
| Mecklenburg County North Carolina | 3 | $ 417,000 | $ 139,000 | $ 53,000 |
| Lake County Ohio | 3 | $ 414,000 | $ 138,000 | $ 58,000 |
| Cleveland County Oklahoma | 3 | $ 333,000 | $ 111,000 | $ 54,000 |
| Allegheny County Pennsylvania | 3 | $ 393,000 | $ 131,000 | $ 80,000 |
| Lancaster County Pennsylvania | 3 | $ 368,000 | $ 122,000 | $ 66,000 |
| Philadelphia County Pennsylvania | 3 | $ 465,000 | $ 155,000 | $ 44,000 |
| Hanover County Virginia | 3 | $ 470,000 | $ 156,000 | $ 42,000 |
| Prince William County Virginia | 3 | $ 1,271,000 | $ 423,000 | $ 124,000 |
| King County Washington | 3 | $ 1,132,000 | $ 377,000 | $ 74,000 |
| Raleigh County West Virginia | 3 | $ 292,000 | $ 97,000 | $ 52,000 |
| Jackson County Alabama | 2 | $ 115,000 | $ 57,000 | $ 31,000 |
| Madison County Alabama | 2 | $ 271,000 | $ 135,000 | $ 29,000 |
| Cochise County Arizona | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Pima County Arizona | 2 | $ 192,000 | $ 96,000 | $ 43,000 |
| Kern County California | 2 | $ 569,000 | $ 284,000 | $ 97,000 |
| Solano County California | 2 | $ 281,000 | $ 140,000 | $ 64,000 |
| Sonoma County California | 2 | $ 667,000 | $ 333,000 | $ 123,000 |
| Denver County Colorado | 2 | $ 525,000 | $ 262,000 | $ 64,000 |
| Douglas County Colorado | 2 | $ 571,000 | $ 285,000 | $ 58,000 |
| Litchfield County Connecticut | 2 | $ 254,000 | $ 127,000 | $ 68,000 |
| New Haven County Connecticut | 2 | $ 225,000 | $ 112,000 | $ 61,000 |
| Clay County Florida | 2 | $ 316,000 | $ 158,000 | $ 73,000 |
| Osceola County Florida | 2 | $ 271,000 | $ 135,000 | $ 46,000 |
| Polk County Florida | 2 | $ 428,000 | $ 214,000 | $ 77,000 |
| Walton County Florida | 2 | $ 306,000 | $ 153,000 | $ 60,000 |
| Gwinnett County Georgia | 2 | $ 196,000 | $ 98,000 | $ 45,000 |
| Hall County Georgia | 2 | $ 592,000 | $ 296,000 | $ 99,000 |
| Muscogee County Georgia | 2 | $ 149,000 | $ 74,000 | $ 59,000 |
| Lake County Illinois | 2 | $ 108,000 | $ 54,000 | $ 31,000 |
| Tippecanoe County Indiana | 2 | $ 272,000 | $ 136,000 | $ 272,000 |
| Woodbury County Iowa | 2 | $ 208,000 | $ 104,000 | $ 46,000 |
| Wyandotte County Kansas | 2 | $ 101,000 | $ 50,000 | $ 57,000 |
| Jefferson County Kentucky | 2 | $ 407,000 | $ 203,000 | $ 56,000 |
| Caroline County Maryland | 2 | $ 351,000 | $ 175,000 | $ 66,000 |
| Dorchester County Maryland | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Middlesex County Massachusetts | 2 | $ 248,000 | $ 124,000 | $ 90,000 |
| Norfolk County Massachusetts | 2 | $ 672,000 | $ 336,000 | $ 86,000 |
| Suffolk County Massachusetts | 2 | $ 291,000 | $ 145,000 | $ 98,000 |
| Grand Traverse County Michigan | 2 | $ 101,000 | $ 50,000 | $ 29,000 |
| Oakland County Michigan | 2 | $ 459,000 | $ 229,000 | $ 131,000 |
| Hennepin County Minnesota | 2 | $ 279,000 | $ 139,000 | $ 51,000 |
| Madison County Mississippi | 2 | $ 94,000 | $ 47,000 | $ 26,000 |
| Carson City County Nevada | 2 | $ 130,000 | $ 65,000 | $ 22,000 |
| Washoe County Nevada | 2 | $ 511,000 | $ 255,000 | $ 125,000 |
| Essex County New Jersey | 2 | $ 173,000 | $ 86,000 | $ 112,000 |
| Middlesex County New Jersey | 2 | $ 185,000 | $ 92,000 | $ 47,000 |
| Union County New Jersey | 2 | $ 1,045,000 | $ 522,000 | $ 275,000 |
| Dona Ana County New Mexico | 2 | $ 380,000 | $ 190,000 | $ 35,000 |
| Oneida County New York | 2 | $ 168,000 | $ 84,000 | $ 47,000 |
| Orange County New York | 2 | $ 457,000 | $ 228,000 | $ 76,000 |
| Putnam County New York | 2 | $ 510,000 | $ 255,000 | $ 127,000 |
| Queens County New York | 2 | $ 504,000 | $ 252,000 | $ 79,000 |
| Richmond County New York | 2 | $ 446,000 | $ 223,000 | $ 79,000 |
| Saratoga County New York | 2 | $ 133,000 | $ 66,000 | $ 57,000 |
| Warren County New York | 2 | $ 334,000 | $ 167,000 | $ 129,000 |
| Montgomery County Ohio | 2 | $ 188,000 | $ 94,000 | $ 64,000 |
| Williams County Ohio | 2 | $ 112,000 | $ 56,000 | $ 40,000 |
| Multnomah County Oregon | 2 | $ 309,000 | $ 154,000 | $ 128,000 |
| Washington County Oregon | 2 | $ 618,000 | $ 309,000 | $ 124,000 |
| Indiana County Pennsylvania | 2 | $ 226,000 | $ 113,000 | $ 113,000 |
| Aiken County South Carolina | 2 | $ 193,000 | $ 96,000 | $ 64,000 |
| Charleston County South Carolina | 2 | $ 708,000 | $ 354,000 | $ 118,000 |
| Utah County Utah | 2 | $ 461,000 | $ 230,000 | $ 85,000 |
| Henrico County Virginia | 2 | $ 536,000 | $ 268,000 | $ 168,000 |
| Orange County Virginia | 2 | $ 175,000 | $ 87,000 | $ 33,000 |
| Spotsylvania County Virginia | 2 | $ 1,032,000 | $ 516,000 | $ 206,000 |
| Thurston County Washington | 2 | $ 479,000 | $ 239,000 | $ 45,000 |
| Whatcom County Washington | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Berkeley County West Virginia | 2 | $ 258,000 | $ 129,000 | $ 36,000 |
| Jefferson County West Virginia | 2 | $ 1,051,000 | $ 525,000 | $ 105,000 |
| Dane County Wisconsin | 2 | $ 449,000 | $ 224,000 | $ 102,000 |
| Calhoun County Alabama | 1 | $ 46,000 | $ 46,000 | $ 74,000 |
| Coffee County Alabama | 1 | $ 149,000 | $ 149,000 | $ 107,000 |
| Colbert County Alabama | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Crenshaw County Alabama | 1 | $ 58,000 | $ 58,000 | $ 161,000 |
| Etowah County Alabama | 1 | $ 121,000 | $ 121,000 | $ 120,000 |
| Mobile County Alabama | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Russell County Alabama | 1 | $ 199,000 | $ 199,000 | $ 13,000 |
| Anchorage County Alaska | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Pinal County Arizona | 1 | $ 181,000 | $ 181,000 | $ 47,000 |
| Yavapai County Arizona | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Yuma County Arizona | 1 | $ 268,000 | $ 268,000 | $ 95,000 |
| Faulkner County Arkansas | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Jefferson County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Pulaski County Arkansas | 1 | $ 130,000 | $ 130,000 | $ 75,000 |
| Washington County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Calaveras County California | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| El Dorado County California | 1 | $ 239,000 | $ 239,000 | $ 60,000 |
| Monterey County California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Napa County California | 1 | $ 486,000 | $ 486,000 | $ 0 |
| Placer County California | 1 | $ 281,000 | $ 281,000 | $ 113,000 |
| San Joaquin County California | 1 | $ 168,000 | $ 168,000 | $ 51,000 |
| Stanislaus County California | 1 | $ 262,000 | $ 262,000 | $ 97,000 |
| Adams County Colorado | 1 | $ 211,000 | $ 211,000 | $ 68,000 |
| Arapahoe County Colorado | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Delta County Colorado | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Elbert County Colorado | 1 | $ 534,000 | $ 534,000 | $ 238,000 |
| Fremont County Colorado | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Jefferson County Colorado | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Teller County Colorado | 1 | $ 349,000 | $ 349,000 | $ 121,000 |
| Fairfield County Connecticut | 1 | $ 146,000 | $ 146,000 | $ 61,000 |
| Hartford County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Middlesex County Connecticut | 1 | $ 236,000 | $ 236,000 | $ 108,000 |
| New London County Connecticut | 1 | $ 224,000 | $ 224,000 | $ 40,000 |
| Windham County Connecticut | 1 | $ 98,000 | $ 98,000 | $ 26,000 |
| Kent County Delaware | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Bay County Florida | 1 | $ 94,000 | $ 94,000 | $ 156,000 |
| Charlotte County Florida | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Collier County Florida | 1 | $ 170,000 | $ 170,000 | $ 78,000 |
| Duval County Florida | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Escambia County Florida | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Manatee County Florida | 1 | $ 263,000 | $ 263,000 | $ 77,000 |
| Martin County Florida | 1 | $ 417,000 | $ 417,000 | $ 188,000 |
| Okaloosa County Florida | 1 | $ 266,000 | $ 266,000 | $ 69,000 |
| Santa Rosa County Florida | 1 | $ 270,000 | $ 270,000 | $ 70,000 |
| Sarasota County Florida | 1 | $ 134,000 | $ 134,000 | $ 119,000 |
| Seminole County Florida | 1 | $ 351,000 | $ 351,000 | $ 130,000 |
| St. Johns County Florida | 1 | $ 330,000 | $ 330,000 | $ 184,000 |
| Sumter County Florida | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Wakulla County Florida | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Bibb County Georgia | 1 | $ 308,000 | $ 308,000 | $ 93,000 |
| Cherokee County Georgia | 1 | $ 174,000 | $ 174,000 | $ 121,000 |
| DeKalb County Georgia | 1 | $ 390,000 | $ 390,000 | $ 194,000 |
| Elbert County Georgia | 1 | $ 97,000 | $ 97,000 | $ 53,000 |
| Henry County Georgia | 1 | $ 83,000 | $ 83,000 | $ 113,000 |
| Madison County Georgia | 1 | $ 50,000 | $ 50,000 | $ 29,000 |
| Pierce County Georgia | 1 | $ 53,000 | $ 53,000 | $ 76,000 |
| Troup County Georgia | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Hawaii County Hawaii | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Ada County Idaho | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Bonneville County Idaho | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Boundary County Idaho | 1 | $ 340,000 | $ 340,000 | $ 210,000 |
| Canyon County Idaho | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Kootenai County Idaho | 1 | $ 362,000 | $ 362,000 | $ 89,000 |
| Knox County Illinois | 1 | $ 91,000 | $ 91,000 | $ 52,000 |
| Macoupin County Illinois | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| St. Clair County Illinois | 1 | $ 54,000 | $ 54,000 | $ 86,000 |
| Tazewell County Illinois | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Allen County Indiana | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Carroll County Indiana | 1 | $ 65,000 | $ 65,000 | $ 14,000 |
| Clark County Indiana | 1 | $ 49,000 | $ 49,000 | $ 64,000 |
| DeKalb County Indiana | 1 | $ 83,000 | $ 83,000 | $ 78,000 |
| Hamilton County Indiana | 1 | $ 211,000 | $ 211,000 | $ 155,000 |
| Madison County Indiana | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Marion County Indiana | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Montgomery County Indiana | 1 | $ 53,000 | $ 53,000 | $ 83,000 |
| St. Joseph County Indiana | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Washington County Indiana | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Whitley County Indiana | 1 | $ 102,000 | $ 102,000 | $ 53,000 |
| Pawnee County Kansas | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| Saline County Kansas | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Sedgwick County Kansas | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Wichita County Kansas | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Casey County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Madison County Kentucky | 1 | $ 191,000 | $ 191,000 | $ 67,000 |
| Caddo County Louisiana | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| East Baton Rouge County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Lafayette County Louisiana | 1 | $ 106,000 | $ 106,000 | $ 49,000 |
| Orleans County Louisiana | 1 | $ 295,000 | $ 295,000 | $ 65,000 |
| Rapides County Louisiana | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Sabine County Louisiana | 1 | $ 112,000 | $ 112,000 | $ 118,000 |
| Tangipahoa County Louisiana | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| St. Mary's County Maryland | 1 | $ 90,000 | $ 90,000 | $ 108,000 |
| Wicomico County Maryland | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| Barnstable County Massachusetts | 1 | $ 154,000 | $ 154,000 | $ 67,000 |
| Bristol County Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Plymouth County Massachusetts | 1 | $ 94,000 | $ 94,000 | $ 128,000 |
| Eaton County Michigan | 1 | $ 82,000 | $ 82,000 | $ 51,000 |
| Isabella County Michigan | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Lenawee County Michigan | 1 | $ 51,000 | $ 51,000 | $ 30,000 |
| Muskegon County Michigan | 1 | $ 51,000 | $ 51,000 | $ 26,000 |
| Newaygo County Michigan | 1 | $ 109,000 | $ 109,000 | $ 275,000 |
| Sanilac County Michigan | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| St. Clair County Michigan | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Washtenaw County Michigan | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Chisago County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Cottonwood County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Dakota County Minnesota | 1 | $ 208,000 | $ 208,000 | $ 58,000 |
| Marshall County Minnesota | 1 | $ 134,000 | $ 134,000 | $ 55,000 |
| Nicollet County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Olmsted County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Polk County Minnesota | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Ramsey County Minnesota | 1 | $ 91,000 | $ 91,000 | $ 147,000 |
| Sherburne County Minnesota | 1 | $ 220,000 | $ 220,000 | $ 107,000 |
| Adams County Mississippi | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| DeSoto County Mississippi | 1 | $ 565,000 | $ 565,000 | $ 142,000 |
| Perry County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Rankin County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Warren County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Cape Girardeau County Missouri | 1 | $ 184,000 | $ 184,000 | $ 149,000 |
| Cass County Missouri | 1 | $ 160,000 | $ 160,000 | $ 125,000 |
| Pulaski County Missouri | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| St. Louis County Missouri | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Gallatin County Montana | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Ravalli County Montana | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Silver Bow County Montana | 1 | $ 78,000 | $ 78,000 | $ 145,000 |
| Stillwater County Montana | 1 | $ 151,000 | $ 151,000 | $ 85,000 |
| Cass County Nebraska | 1 | $ 416,000 | $ 416,000 | $ 251,000 |
| Custer County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Douglas County Nebraska | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Lancaster County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 99,000 |
| Saunders County Nebraska | 1 | $ 74,000 | $ 74,000 | $ 51,000 |
| White Pine County Nevada | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Carroll County New Hampshire | 1 | $ 260,000 | $ 260,000 | $ 34,000 |
| Merrimack County New Hampshire | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Strafford County New Hampshire | 1 | $ 405,000 | $ 405,000 | $ 152,000 |
| Camden County New Jersey | 1 | $ 210,000 | $ 210,000 | $ 300,000 |
| Gloucester County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Morris County New Jersey | 1 | $ 584,000 | $ 584,000 | $ 217,000 |
| Somerset County New Jersey | 1 | $ 278,000 | $ 278,000 | $ 92,000 |
| Warren County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Bernalillo County New Mexico | 1 | $ 167,000 | $ 167,000 | $ 24,000 |
| Cibola County New Mexico | 1 | $ 84,000 | $ 84,000 | $ 215,000 |
| Luna County New Mexico | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Sandoval County New Mexico | 1 | $ 468,000 | $ 468,000 | $ 111,000 |
| Albany County New York | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Bronx County New York | 1 | $ 102,000 | $ 102,000 | $ 58,000 |
| Broome County New York | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Cayuga County New York | 1 | $ 51,000 | $ 51,000 | $ 12,000 |
| Clinton County New York | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Greene County New York | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Herkimer County New York | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Jefferson County New York | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Monroe County New York | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Ontario County New York | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Otsego County New York | 1 | $ 108,000 | $ 108,000 | $ 90,000 |
| Rockland County New York | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Seneca County New York | 1 | $ 68,000 | $ 68,000 | $ 63,000 |
| St. Lawrence County New York | 1 | $ 74,000 | $ 74,000 | $ 89,000 |
| Sullivan County New York | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Tioga County New York | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Alamance County North Carolina | 1 | $ 51,000 | $ 51,000 | $ 13,000 |
| Beaufort County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 155,000 |
| Brunswick County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 65,000 |
| Buncombe County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 113,000 |
| Craven County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 61,000 |
| Davidson County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Durham County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Forsyth County North Carolina | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 64,000 |
| Henderson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Johnston County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 26,000 |
| McDowell County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Moore County North Carolina | 1 | $ 410,000 | $ 410,000 | $ 81,000 |
| Pitt County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 56,000 |
| Rowan County North Carolina | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Union County North Carolina | 1 | $ 263,000 | $ 263,000 | $ 136,000 |
| Warren County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 26,000 |
| Renville County North Dakota | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Butler County Ohio | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Clermont County Ohio | 1 | $ 272,000 | $ 272,000 | $ 97,000 |
| Cuyahoga County Ohio | 1 | $ 66,000 | $ 66,000 | $ 56,000 |
| Erie County Ohio | 1 | $ 41,000 | $ 41,000 | $ 47,000 |
| Franklin County Ohio | 1 | $ 263,000 | $ 263,000 | $ 58,000 |
| Knox County Ohio | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Stark County Ohio | 1 | $ 131,000 | $ 131,000 | $ 108,000 |
| Summit County Ohio | 1 | $ 192,000 | $ 192,000 | $ 140,000 |
| Warren County Ohio | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Wood County Ohio | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Canadian County Oklahoma | 1 | $ 121,000 | $ 121,000 | $ 52,000 |
| Delaware County Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 13,000 |
| Wagoner County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Clackamas County Oregon | 1 | $ 368,000 | $ 368,000 | $ 89,000 |
| Deschutes County Oregon | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Klamath County Oregon | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Yamhill County Oregon | 1 | $ 209,000 | $ 209,000 | $ 51,000 |
| Bucks County Pennsylvania | 1 | $ 199,000 | $ 199,000 | $ 52,000 |
| Cumberland County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 34,000 |
| Delaware County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 35,000 |
| Fayette County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Fulton County Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 32,000 |
| Huntingdon County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Lebanon County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Washington County Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 87,000 |
| Westmoreland County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Anderson County South Carolina | 1 | $ 107,000 | $ 107,000 | $ 85,000 |
| Barnwell County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Berkeley County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Cherokee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Clarendon County South Carolina | 1 | $ 56,000 | $ 56,000 | $ 49,000 |
| Lexington County South Carolina | 1 | $ 111,000 | $ 111,000 | $ 65,000 |
| Oconee County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 14,000 |
| Saluda County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Spartanburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Minnehaha County South Dakota | 1 | $ 51,000 | $ 51,000 | $ 51,000 |
| Chester County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Knox County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 149,000 |
| Maury County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 32,000 |
| Monroe County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Rutherford County Tennessee | 1 | $ 511,000 | $ 511,000 | $ 155,000 |
| Shelby County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 90,000 |
| Smith County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 28,000 |
| Sumner County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Washington County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Wilson County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 455,000 |
| Bell County Texas | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Smith County Texas | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Travis County Texas | 1 | $ 288,000 | $ 288,000 | $ 288,000 |
| Salt Lake County Utah | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Washington County Utah | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Weber County Utah | 1 | $ 170,000 | $ 170,000 | $ 39,000 |
| Orange County Vermont | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Windham County Vermont | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Albemarle County Virginia | 1 | $ 77,000 | $ 77,000 | $ 135,000 |
| Alexandria County Virginia | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Amherst County Virginia | 1 | $ 76,000 | $ 76,000 | $ 67,000 |
| Bristol County Virginia | 1 | $ 41,000 | $ 41,000 | $ 120,000 |
| Caroline County Virginia | 1 | $ 163,000 | $ 163,000 | $ 101,000 |
| Charlottesville County Virginia | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Chesapeake County Virginia | 1 | $ 331,000 | $ 331,000 | $ 141,000 |
| Chesterfield County Virginia | 1 | $ 174,000 | $ 174,000 | $ 135,000 |
| Fauquier County Virginia | 1 | $ 469,000 | $ 469,000 | $ 141,000 |
| Giles County Virginia | 1 | $ 134,000 | $ 134,000 | $ 69,000 |
| Gloucester County Virginia | 1 | $ 125,000 | $ 125,000 | $ 17,000 |
| Greene County Virginia | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Harrisonburg County Virginia | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Henry County Virginia | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
| Newport News County Virginia | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Northumberland County Virginia | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Page County Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Pulaski County Virginia | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Roanoke City County Virginia | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Stafford County Virginia | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Virginia Beach County Virginia | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Spokane County Washington | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Barbour County West Virginia | 1 | $ 222,000 | $ 222,000 | $ 62,000 |
| Greenbrier County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Kanawha County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Mingo County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Putnam County West Virginia | 1 | $ 147,000 | $ 147,000 | $ 55,000 |
| Wood County West Virginia | 1 | $ 80,000 | $ 80,000 | $ 16,000 |
| Brown County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Fond du Lac County Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Rock County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Vilas County Wisconsin | 1 | $ 222,000 | $ 222,000 | $ 96,000 |
| Waukesha County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 116,000 |
| Natrona County 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.