Howard Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Howard Bank 2019 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 | 2,886 |
| Total Mortgage Loan Application Amount | $880,320,000 |
| Average Mortgage Loan Application Amount | $338,333 |
| Highest Mortgage Loan Application Amount | $3,315,000 |
| Average Applicant Income | $142,666 |
| Highest Applicant Income | $1,783,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 813 | $ 204,565,000 | $ 251,000 | $ 98,000 |
| Baltimore City County Maryland | 368 | $ 75,300,000 | $ 204,000 | $ 93,000 |
| Harford County Maryland | 323 | $ 91,995,000 | $ 284,000 | $ 105,000 |
| Anne Arundel County Maryland | 315 | $ 111,565,000 | $ 354,000 | $ 127,000 |
| Howard County Maryland | 117 | $ 47,765,000 | $ 408,000 | $ 155,000 |
| Montgomery County Maryland | 115 | $ 54,205,000 | $ 471,000 | $ 163,000 |
| Prince George's County Maryland | 79 | $ 24,475,000 | $ 309,000 | $ 112,000 |
| Carroll County Maryland | 73 | $ 24,345,000 | $ 333,000 | $ 106,000 |
| District of Columbia County District Of Columbia | 60 | $ 32,240,000 | $ 537,000 | $ 214,000 |
| Cecil County Maryland | 47 | $ 11,545,000 | $ 245,000 | $ 95,000 |
| Frederick County Maryland | 41 | $ 14,975,000 | $ 365,000 | $ 128,000 |
| Queen Anne's County Maryland | 33 | $ 11,115,000 | $ 336,000 | $ 130,000 |
| York County Pennsylvania | 28 | $ 7,460,000 | $ 266,000 | $ 108,000 |
| Buncombe County North Carolina | 22 | $ 11,610,000 | $ 527,000 | $ 0 |
| Washington County Maryland | 21 | $ 4,515,000 | $ 215,000 | $ 69,000 |
| Fairfax County Virginia | 21 | $ 15,395,000 | $ 733,000 | $ 234,000 |
| Worcester County Maryland | 17 | $ 3,775,000 | $ 222,000 | $ 166,000 |
| Calvert County Maryland | 14 | $ 4,590,000 | $ 327,000 | $ 97,000 |
| Sussex County Delaware | 12 | $ 5,660,000 | $ 471,000 | $ 259,000 |
| Adams County Pennsylvania | 12 | $ 3,600,000 | $ 300,000 | $ 102,000 |
| New Castle County Delaware | 11 | $ 3,685,000 | $ 335,000 | $ 153,000 |
| Charles County Maryland | 11 | $ 3,105,000 | $ 282,000 | $ 97,000 |
| Prince William County Virginia | 9 | $ 2,865,000 | $ 318,000 | $ 171,000 |
| Mecklenburg County North Carolina | 8 | $ 3,800,000 | $ 475,000 | $ 91,000 |
| Loudoun County Virginia | 8 | $ 2,660,000 | $ 332,000 | $ 154,000 |
| Wake County North Carolina | 7 | $ 3,495,000 | $ 499,000 | $ 81,000 |
| Hillsborough County Florida | 6 | $ 2,010,000 | $ 335,000 | $ 69,000 |
| St. Mary's County Maryland | 6 | $ 1,680,000 | $ 280,000 | $ 82,000 |
| Nassau County New York | 5 | $ 2,285,000 | $ 457,000 | $ 186,000 |
| Arlington County Virginia | 5 | $ 2,185,000 | $ 437,000 | $ 145,000 |
| Kent County Delaware | 4 | $ 1,060,000 | $ 265,000 | $ 94,000 |
| Miami-Dade County Florida | 4 | $ 850,000 | $ 212,000 | $ 110,000 |
| Sarasota County Florida | 4 | $ 1,850,000 | $ 462,000 | $ 402,000 |
| Kent County Maryland | 4 | $ 840,000 | $ 210,000 | $ 89,000 |
| Chester County Pennsylvania | 4 | $ 1,280,000 | $ 320,000 | $ 121,000 |
| Franklin County Pennsylvania | 4 | $ 1,060,000 | $ 265,000 | $ 97,000 |
| Montgomery County Pennsylvania | 4 | $ 1,270,000 | $ 317,000 | $ 0 |
| Alexandria County Virginia | 4 | $ 2,340,000 | $ 585,000 | $ 260,000 |
| Jefferson County West Virginia | 4 | $ 1,020,000 | $ 255,000 | $ 175,000 |
| Palm Beach County Florida | 3 | $ 545,000 | $ 181,000 | $ 433,000 |
| St. Johns County Florida | 3 | $ 1,305,000 | $ 435,000 | $ 224,000 |
| Columbia County Georgia | 3 | $ 755,000 | $ 251,000 | $ 66,000 |
| DeKalb County Georgia | 3 | $ 695,000 | $ 231,000 | $ 121,000 |
| Newton County Georgia | 3 | $ 605,000 | $ 201,000 | $ 35,000 |
| Caroline County Maryland | 3 | $ 395,000 | $ 131,000 | $ 75,000 |
| Talbot County Maryland | 3 | $ 1,475,000 | $ 491,000 | $ 382,000 |
| Washoe County Nevada | 3 | $ 935,000 | $ 311,000 | $ 133,000 |
| Dare County North Carolina | 3 | $ 1,125,000 | $ 375,000 | $ 175,000 |
| Union County North Carolina | 3 | $ 1,595,000 | $ 531,000 | $ 98,000 |
| Horry County South Carolina | 3 | $ 785,000 | $ 261,000 | $ 257,000 |
| Shelby County Tennessee | 3 | $ 715,000 | $ 238,000 | $ 72,000 |
| Denton County Texas | 3 | $ 2,105,000 | $ 701,000 | $ 95,000 |
| Spotsylvania County Virginia | 3 | $ 935,000 | $ 311,000 | $ 96,000 |
| Maricopa County Arizona | 2 | $ 430,000 | $ 215,000 | $ 132,000 |
| Riverside County California | 2 | $ 780,000 | $ 390,000 | $ 0 |
| El Paso County Colorado | 2 | $ 550,000 | $ 275,000 | $ 117,000 |
| Jefferson County Colorado | 2 | $ 590,000 | $ 295,000 | $ 223,000 |
| Weld County Colorado | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| Manatee County Florida | 2 | $ 410,000 | $ 205,000 | $ 353,000 |
| Orange County Florida | 2 | $ 560,000 | $ 280,000 | $ 116,000 |
| Pasco County Florida | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Forsyth County Georgia | 2 | $ 710,000 | $ 355,000 | $ 164,000 |
| Fulton County Georgia | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Gwinnett County Georgia | 2 | $ 500,000 | $ 250,000 | $ 124,000 |
| Cook County Illinois | 2 | $ 790,000 | $ 395,000 | $ 243,000 |
| DuPage County Illinois | 2 | $ 790,000 | $ 395,000 | $ 486,000 |
| Dorchester County Maryland | 2 | $ 230,000 | $ 115,000 | $ 129,000 |
| Barnstable County Massachusetts | 2 | $ 800,000 | $ 400,000 | $ 163,000 |
| Essex County Massachusetts | 2 | $ 740,000 | $ 370,000 | $ 134,000 |
| Middlesex County Massachusetts | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Grand Traverse County Michigan | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Clark County Nevada | 2 | $ 820,000 | $ 410,000 | $ 85,000 |
| Union County New Jersey | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Chenango County New York | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| Duplin County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Franklin County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 77,000 |
| Haywood County North Carolina | 2 | $ 1,430,000 | $ 715,000 | $ 0 |
| Henderson County North Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Moore County North Carolina | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Orange County North Carolina | 2 | $ 1,300,000 | $ 650,000 | $ 118,000 |
| Polk County North Carolina | 2 | $ 1,260,000 | $ 630,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 127,000 |
| Delaware County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Lebanon County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 92,000 |
| Beaufort County South Carolina | 2 | $ 890,000 | $ 445,000 | $ 356,000 |
| Brazoria County Texas | 2 | $ 640,000 | $ 320,000 | $ 158,000 |
| Williamson County Texas | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 800,000 | $ 400,000 | $ 136,000 |
| Frederick County Virginia | 2 | $ 500,000 | $ 250,000 | $ 35,000 |
| Henrico County Virginia | 2 | $ 670,000 | $ 335,000 | $ 49,000 |
| Louisa County Virginia | 2 | $ 890,000 | $ 445,000 | $ 217,000 |
| Orange County Virginia | 2 | $ 600,000 | $ 300,000 | $ 120,000 |
| Stafford County Virginia | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Virginia Beach County Virginia | 2 | $ 700,000 | $ 350,000 | $ 115,000 |
| Hampshire County West Virginia | 2 | $ 100,000 | $ 50,000 | $ 23,000 |
| Morgan County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| DeKalb County Alabama | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Morgan County Alabama | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Benton County Arkansas | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Alameda County California | 1 | $ 1,125,000 | $ 1,125,000 | $ 550,000 |
| Contra Costa County California | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| Fresno County California | 1 | $ 485,000 | $ 485,000 | $ 134,000 |
| Kern County California | 1 | $ 355,000 | $ 355,000 | $ 167,000 |
| Los Angeles County California | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Madera County California | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| San Diego County California | 1 | $ 545,000 | $ 545,000 | $ 302,000 |
| Adams County Colorado | 1 | $ 375,000 | $ 375,000 | $ 74,000 |
| Douglas County Colorado | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Eagle County Colorado | 1 | $ 1,165,000 | $ 1,165,000 | $ 669,000 |
| New London County Connecticut | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Broward County Florida | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Citrus County Florida | 1 | $ 345,000 | $ 345,000 | $ 82,000 |
| Collier County Florida | 1 | $ 445,000 | $ 445,000 | $ 325,000 |
| Duval County Florida | 1 | $ 175,000 | $ 175,000 | $ 272,000 |
| Lee County Florida | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Monroe County Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Pinellas County Florida | 1 | $ 265,000 | $ 265,000 | $ 379,000 |
| St. Lucie County Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Volusia County Florida | 1 | $ 485,000 | $ 485,000 | $ 172,000 |
| Camden County Georgia | 1 | $ 475,000 | $ 475,000 | $ 164,000 |
| Chatham County Georgia | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Coweta County Georgia | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Douglas County Georgia | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Effingham County Georgia | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Hall County Georgia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Jackson County Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Morgan County Georgia | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Spalding County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Payette County Idaho | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| McHenry County Illinois | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| White County Indiana | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Johnson County Kansas | 1 | $ 745,000 | $ 745,000 | $ 247,000 |
| Jefferson County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Hancock County Maine | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Garrett County Maryland | 1 | $ 275,000 | $ 275,000 | $ 252,000 |
| Somerset County Maryland | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Hampden County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Oakland County Michigan | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Itawamba County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Strafford County New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Atlantic County New Jersey | 1 | $ 445,000 | $ 445,000 | $ 76,000 |
| Bergen County New Jersey | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Burlington County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Monmouth County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Morris County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 68,000 |
| Passaic County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| Somerset County New Jersey | 1 | $ 585,000 | $ 585,000 | $ 191,000 |
| Onondaga County New York | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Suffolk County New York | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Ulster County New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Cleveland County North Carolina | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Craven County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 156,000 |
| Davidson County North Carolina | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Durham County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 185,000 |
| Forsyth County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 267,000 |
| Lee County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 161,000 |
| New Hanover County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| Person County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Hamilton County Ohio | 1 | $ 105,000 | $ 105,000 | $ 465,000 |
| Summit County Ohio | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Wayne County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wood County Ohio | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Murray County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 192,000 |
| Oklahoma County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Rogers County Oklahoma | 1 | $ 715,000 | $ 715,000 | $ 203,000 |
| Clackamas County Oregon | 1 | $ 1,345,000 | $ 1,345,000 | $ 357,000 |
| Crook County Oregon | 1 | $ 445,000 | $ 445,000 | $ 263,000 |
| Berks County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 302,000 |
| Butler County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 179,000 |
| Cumberland County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Fulton County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Lancaster County Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Lycoming County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 167,000 |
| Philadelphia County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Pike County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Somerset County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Kent County Rhode Island | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 194,000 |
| Berkeley County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Charleston County South Carolina | 1 | $ 545,000 | $ 545,000 | $ 270,000 |
| Lexington County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 155,000 |
| York County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Carter County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Sullivan County Tennessee | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Washington County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Bell County Texas | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Dallas County Texas | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Davis County Utah | 1 | $ 365,000 | $ 365,000 | $ 146,000 |
| Salt Lake County Utah | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 435,000 | $ 435,000 | $ 146,000 |
| Caroline County Virginia | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Chesapeake County Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Culpeper County Virginia | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Cumberland County Virginia | 1 | $ 195,000 | $ 195,000 | $ 25,000 |
| James City County Virginia | 1 | $ 295,000 | $ 295,000 | $ 327,000 |
| Mecklenburg County Virginia | 1 | $ 315,000 | $ 315,000 | $ 591,000 |
| Page County Virginia | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Prince George County Virginia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Roanoke City County Virginia | 1 | $ 405,000 | $ 405,000 | $ 338,000 |
| King County Washington | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Pierce County Washington | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Cabell County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Randolph County West Virginia | 1 | $ 285,000 | $ 285,000 | $ 268,000 |
| Milwaukee County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Outagamie County 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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with aggregated HMDA statistics today.