Howard Bank Mortgage Lending & HMDA Data, 2019
In 2019, Howard Bank of Ellicott City, MD reported 2,886 mortgage applications totaling $880.3 million, down 47% from 2018. The average application was for $305,031, and applicants reported an average income of $118,063. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (2,042), Washington-Arlington-Alexandria, DC-VA-MD-WV (221) and Washington-Baltimore-Arlington, DC (156) (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 | 2,886 |
| Total Mortgage Loan Application Amount | $880,320,000 |
| Average Mortgage Loan Application Amount | $305,031 |
| Highest Mortgage Loan Application Amount | $3,315,000 |
| Average Applicant Income | $118,063 |
| Highest Applicant Income | $1,783,000 |
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Act (HMDA) records Howard Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 813 | $ 204,565,000 | $ 251,617 | $ 98,000 |
| Baltimore City, Maryland | 368 | $ 75,300,000 | $ 204,619 | $ 93,000 |
| Harford, Maryland | 323 | $ 91,995,000 | $ 284,814 | $ 105,000 |
| Anne Arundel, Maryland | 315 | $ 111,565,000 | $ 354,174 | $ 127,000 |
| Howard, Maryland | 117 | $ 47,765,000 | $ 408,247 | $ 155,000 |
| Montgomery, Maryland | 115 | $ 54,205,000 | $ 471,347 | $ 163,000 |
| Prince George's, Maryland | 79 | $ 24,475,000 | $ 309,810 | $ 112,000 |
| Carroll, Maryland | 73 | $ 24,345,000 | $ 333,493 | $ 106,000 |
| District of Columbia, District Of Columbia | 60 | $ 32,240,000 | $ 537,333 | $ 214,000 |
| Cecil, Maryland | 47 | $ 11,545,000 | $ 245,638 | $ 95,000 |
| Frederick, Maryland | 41 | $ 14,975,000 | $ 365,243 | $ 128,000 |
| Queen Anne's, Maryland | 33 | $ 11,115,000 | $ 336,818 | $ 130,000 |
| York, Pennsylvania | 28 | $ 7,460,000 | $ 266,428 | $ 108,000 |
| Buncombe, North Carolina | 22 | $ 11,610,000 | $ 527,727 | $ 0 |
| Washington, Maryland | 21 | $ 4,515,000 | $ 215,000 | $ 69,000 |
| Fairfax, Virginia | 21 | $ 15,395,000 | $ 733,095 | $ 234,000 |
| Worcester, Maryland | 17 | $ 3,775,000 | $ 222,058 | $ 166,000 |
| Calvert, Maryland | 14 | $ 4,590,000 | $ 327,857 | $ 97,000 |
| Sussex, Delaware | 12 | $ 5,660,000 | $ 471,666 | $ 259,000 |
| Adams, Pennsylvania | 12 | $ 3,600,000 | $ 300,000 | $ 102,000 |
| New Castle, Delaware | 11 | $ 3,685,000 | $ 335,000 | $ 153,000 |
| Charles, Maryland | 11 | $ 3,105,000 | $ 282,272 | $ 97,000 |
| Prince William, Virginia | 9 | $ 2,865,000 | $ 318,333 | $ 171,000 |
| Mecklenburg, North Carolina | 8 | $ 3,800,000 | $ 475,000 | $ 91,000 |
| Loudoun, Virginia | 8 | $ 2,660,000 | $ 332,500 | $ 154,000 |
| Wake, North Carolina | 7 | $ 3,495,000 | $ 499,285 | $ 81,000 |
| Hillsborough, Florida | 6 | $ 2,010,000 | $ 335,000 | $ 69,000 |
| St. Mary's, Maryland | 6 | $ 1,680,000 | $ 280,000 | $ 82,000 |
| Nassau, New York | 5 | $ 2,285,000 | $ 457,000 | $ 186,000 |
| Arlington, Virginia | 5 | $ 2,185,000 | $ 437,000 | $ 145,000 |
| Kent, Delaware | 4 | $ 1,060,000 | $ 265,000 | $ 94,000 |
| Miami-Dade, Florida | 4 | $ 850,000 | $ 212,500 | $ 110,000 |
| Sarasota, Florida | 4 | $ 1,850,000 | $ 462,500 | $ 402,000 |
| Kent, Maryland | 4 | $ 840,000 | $ 210,000 | $ 89,000 |
| Chester, Pennsylvania | 4 | $ 1,280,000 | $ 320,000 | $ 121,000 |
| Franklin, Pennsylvania | 4 | $ 1,060,000 | $ 265,000 | $ 97,000 |
| Montgomery, Pennsylvania | 4 | $ 1,270,000 | $ 317,500 | $ 0 |
| Alexandria, Virginia | 4 | $ 2,340,000 | $ 585,000 | $ 260,000 |
| Jefferson, West Virginia | 4 | $ 1,020,000 | $ 255,000 | $ 175,000 |
| Palm Beach, Florida | 3 | $ 545,000 | $ 181,666 | $ 433,000 |
| St. Johns, Florida | 3 | $ 1,305,000 | $ 435,000 | $ 224,000 |
| Columbia, Georgia | 3 | $ 755,000 | $ 251,666 | $ 66,000 |
| DeKalb, Georgia | 3 | $ 695,000 | $ 231,666 | $ 121,000 |
| Newton, Georgia | 3 | $ 605,000 | $ 201,666 | $ 35,000 |
| Caroline, Maryland | 3 | $ 395,000 | $ 131,666 | $ 75,000 |
| Talbot, Maryland | 3 | $ 1,475,000 | $ 491,666 | $ 382,000 |
| Washoe, Nevada | 3 | $ 935,000 | $ 311,666 | $ 133,000 |
| Dare, North Carolina | 3 | $ 1,125,000 | $ 375,000 | $ 175,000 |
| Union, North Carolina | 3 | $ 1,595,000 | $ 531,666 | $ 98,000 |
| Horry, South Carolina | 3 | $ 785,000 | $ 261,666 | $ 257,000 |
| Shelby, Tennessee | 3 | $ 715,000 | $ 238,333 | $ 72,000 |
| Denton, Texas | 3 | $ 2,105,000 | $ 701,666 | $ 95,000 |
| Spotsylvania, Virginia | 3 | $ 935,000 | $ 311,666 | $ 96,000 |
| Maricopa, Arizona | 2 | $ 430,000 | $ 215,000 | $ 132,000 |
| Riverside, California | 2 | $ 780,000 | $ 390,000 | $ 0 |
| El Paso, Colorado | 2 | $ 550,000 | $ 275,000 | $ 117,000 |
| Jefferson, Colorado | 2 | $ 590,000 | $ 295,000 | $ 223,000 |
| Weld, Colorado | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| Manatee, Florida | 2 | $ 410,000 | $ 205,000 | $ 353,000 |
| Orange, Florida | 2 | $ 560,000 | $ 280,000 | $ 116,000 |
| Pasco, Florida | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Forsyth, Georgia | 2 | $ 710,000 | $ 355,000 | $ 164,000 |
| Fulton, Georgia | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Gwinnett, Georgia | 2 | $ 500,000 | $ 250,000 | $ 124,000 |
| Cook, Illinois | 2 | $ 790,000 | $ 395,000 | $ 243,000 |
| DuPage, Illinois | 2 | $ 790,000 | $ 395,000 | $ 486,000 |
| Dorchester, Maryland | 2 | $ 230,000 | $ 115,000 | $ 129,000 |
| Barnstable, Massachusetts | 2 | $ 800,000 | $ 400,000 | $ 163,000 |
| Essex, Massachusetts | 2 | $ 740,000 | $ 370,000 | $ 134,000 |
| Middlesex, Massachusetts | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Grand Traverse, Michigan | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Clark, Nevada | 2 | $ 820,000 | $ 410,000 | $ 85,000 |
| Union, New Jersey | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Chenango, New York | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| Duplin, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Franklin, North Carolina | 2 | $ 470,000 | $ 235,000 | $ 77,000 |
| Haywood, North Carolina | 2 | $ 1,430,000 | $ 715,000 | $ 0 |
| Henderson, North Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Moore, North Carolina | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Orange, North Carolina | 2 | $ 1,300,000 | $ 650,000 | $ 118,000 |
| Polk, North Carolina | 2 | $ 1,260,000 | $ 630,000 | $ 0 |
| Allegheny, Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 127,000 |
| Delaware, Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Lebanon, Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 92,000 |
| Beaufort, South Carolina | 2 | $ 890,000 | $ 445,000 | $ 356,000 |
| Brazoria, Texas | 2 | $ 640,000 | $ 320,000 | $ 158,000 |
| Williamson, Texas | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Chesterfield, Virginia | 2 | $ 800,000 | $ 400,000 | $ 136,000 |
| Frederick, Virginia | 2 | $ 500,000 | $ 250,000 | $ 35,000 |
| Henrico, Virginia | 2 | $ 670,000 | $ 335,000 | $ 49,000 |
| Louisa, Virginia | 2 | $ 890,000 | $ 445,000 | $ 217,000 |
| Orange, Virginia | 2 | $ 600,000 | $ 300,000 | $ 120,000 |
| Stafford, Virginia | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Virginia Beach, Virginia | 2 | $ 700,000 | $ 350,000 | $ 115,000 |
| Hampshire, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 23,000 |
| Morgan, West Virginia | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| DeKalb, Alabama | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Morgan, Alabama | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Benton, Arkansas | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Alameda, California | 1 | $ 1,125,000 | $ 1,125,000 | $ 550,000 |
| Contra Costa, California | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| Fresno, California | 1 | $ 485,000 | $ 485,000 | $ 134,000 |
| Kern, California | 1 | $ 355,000 | $ 355,000 | $ 167,000 |
| Los Angeles, California | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Madera, California | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| San Diego, California | 1 | $ 545,000 | $ 545,000 | $ 302,000 |
| Adams, Colorado | 1 | $ 375,000 | $ 375,000 | $ 74,000 |
| Douglas, Colorado | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Eagle, Colorado | 1 | $ 1,165,000 | $ 1,165,000 | $ 669,000 |
| New London, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Broward, Florida | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Citrus, Florida | 1 | $ 345,000 | $ 345,000 | $ 82,000 |
| Collier, Florida | 1 | $ 445,000 | $ 445,000 | $ 325,000 |
| Duval, Florida | 1 | $ 175,000 | $ 175,000 | $ 272,000 |
| Lee, Florida | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Monroe, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Pinellas, Florida | 1 | $ 265,000 | $ 265,000 | $ 379,000 |
| St. Lucie, Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Volusia, Florida | 1 | $ 485,000 | $ 485,000 | $ 172,000 |
| Camden, Georgia | 1 | $ 475,000 | $ 475,000 | $ 164,000 |
| Chatham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Coweta, Georgia | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Douglas, Georgia | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Effingham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Hall, Georgia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Jackson, Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Morgan, Georgia | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Spalding, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Payette, Idaho | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| McHenry, Illinois | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| White, Indiana | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Johnson, Kansas | 1 | $ 745,000 | $ 745,000 | $ 247,000 |
| Jefferson, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Hancock, Maine | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Garrett, Maryland | 1 | $ 275,000 | $ 275,000 | $ 252,000 |
| Somerset, Maryland | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Hampden, Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Oakland, Michigan | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Itawamba, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Strafford, New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Atlantic, New Jersey | 1 | $ 445,000 | $ 445,000 | $ 76,000 |
| Bergen, New Jersey | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Burlington, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Monmouth, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Morris, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 68,000 |
| Passaic, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| Somerset, New Jersey | 1 | $ 585,000 | $ 585,000 | $ 191,000 |
| Onondaga, New York | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Suffolk, New York | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Ulster, New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Carteret, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Cleveland, North Carolina | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Craven, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 156,000 |
| Davidson, North Carolina | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Durham, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 185,000 |
| Forsyth, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 267,000 |
| Lee, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 161,000 |
| New Hanover, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| Person, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Hamilton, Ohio | 1 | $ 105,000 | $ 105,000 | $ 465,000 |
| Summit, Ohio | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Wayne, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wood, Ohio | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Murray, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 192,000 |
| Oklahoma, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Rogers, Oklahoma | 1 | $ 715,000 | $ 715,000 | $ 203,000 |
| Clackamas, Oregon | 1 | $ 1,345,000 | $ 1,345,000 | $ 357,000 |
| Crook, Oregon | 1 | $ 445,000 | $ 445,000 | $ 263,000 |
| Berks, Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 302,000 |
| Butler, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 179,000 |
| Cumberland, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Fulton, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Lancaster, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Lycoming, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 167,000 |
| Philadelphia, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Pike, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Somerset, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Kent, Rhode Island | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 194,000 |
| Berkeley, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Charleston, South Carolina | 1 | $ 545,000 | $ 545,000 | $ 270,000 |
| Lexington, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 155,000 |
| York, South Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Bradley, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Carter, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Sullivan, Tennessee | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Washington, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Bell, Texas | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Dallas, Texas | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Davis, Utah | 1 | $ 365,000 | $ 365,000 | $ 146,000 |
| Salt Lake, Utah | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 435,000 | $ 435,000 | $ 146,000 |
| Caroline, Virginia | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Chesapeake, Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Culpeper, Virginia | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Cumberland, Virginia | 1 | $ 195,000 | $ 195,000 | $ 25,000 |
| James City, Virginia | 1 | $ 295,000 | $ 295,000 | $ 327,000 |
| Mecklenburg, Virginia | 1 | $ 315,000 | $ 315,000 | $ 591,000 |
| Page, Virginia | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Prince George, Virginia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 405,000 | $ 405,000 | $ 338,000 |
| King, Washington | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Pierce, Washington | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Cabell, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Randolph, West Virginia | 1 | $ 285,000 | $ 285,000 | $ 268,000 |
| Milwaukee, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Outagamie, Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 0 |
Mortgage Loan Application Detail Totals for Howard Bank in 2019
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 | 1,987 | $563,495,000 | $283,000 | $3,315,000 | $108,000 | $1,783,000 |
| Refinancing | 602 | $212,310,000 | $352,000 | $3,005,000 | $136,000 | $1,149,000 |
| Cash-out Refinancing | 215 | $75,285,000 | $350,000 | $1,715,000 | $146,000 | $629,000 |
| Not Applicable | 31 | $16,475,000 | $531,000 | $825,000 | $170,000 | $198,000 |
| Other Purpose | 30 | $6,460,000 | $215,000 | $675,000 | $154,000 | $448,000 |
| Home Improvement | 21 | $6,295,000 | $299,000 | $1,745,000 | $142,000 | $447,000 |
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 | 1,686 | $545,870,000 | $323,000 | $3,315,000 | $132,000 | $1,783,000 |
| Not Provided | 485 | $135,535,000 | $279,000 | $965,000 | $105,000 | $611,000 |
| Black or African American | 419 | $100,145,000 | $239,000 | $2,365,000 | $82,000 | $606,000 |
| Hispanic | 127 | $31,995,000 | $251,000 | $705,000 | $77,000 | $294,000 |
| Asian | 90 | $28,160,000 | $312,000 | $1,595,000 | $112,000 | $418,000 |
| Not applicable | 48 | $27,610,000 | $575,000 | $1,355,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $1,505,000 | $301,000 | $385,000 | $90,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
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) | 1,742 | $577,740,000 | $331,000 | $3,315,000 | $141,000 | $1,783,000 |
| FHA-insured (Federal Housing Administration) | 821 | $187,145,000 | $227,000 | $735,000 | $71,000 | $327,000 |
| VA-guaranteed (Veterans Administration) | 295 | $108,915,000 | $369,000 | $1,505,000 | $99,000 | $566,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $6,520,000 | $232,000 | $385,000 | $64,000 | $129,000 |
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 | 2,257 | $681,065,000 | $301,000 | $3,315,000 | $118,000 | $1,783,000 |
| Application Withdrawn By Applicant | 395 | $118,345,000 | $299,000 | $2,485,000 | $116,000 | $840,000 |
| Application Approved But Not Accepted | 103 | $30,665,000 | $297,000 | $895,000 | $115,000 | $439,000 |
| Application Denied By Financial Institution | 71 | $19,685,000 | $277,000 | $1,245,000 | $96,000 | $572,000 |
| Loan Purchased By The Institution | 46 | $26,160,000 | $568,000 | $825,000 | $0 | $0 |
| File Closed For Incompleteness | 14 | $4,400,000 | $314,000 | $965,000 | $149,000 | $611,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,815 | $860,635,000 | $305,000 | $3,315,000 | $117,000 | $1,783,000 |
| Collateral | 20 | $6,120,000 | $306,000 | $805,000 | $118,000 | $269,000 |
| Credit History | 20 | $5,280,000 | $264,000 | $1,245,000 | $103,000 | $572,000 |
| Debt-To-Income Ratio | 15 | $4,935,000 | $329,000 | $1,005,000 | $68,000 | $125,000 |
| Other | 6 | $1,950,000 | $325,000 | $675,000 | $163,000 | $322,000 |
| Employment History | 4 | $510,000 | $127,000 | $205,000 | $27,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $555,000 | $185,000 | $285,000 | $67,000 | $98,000 |
| Unverifiable Information | 3 | $335,000 | $111,000 | $135,000 | $29,000 | $37,000 |
| 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 Howard Bank's 2019 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.
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