Howard Bank Mortgage Lending & HMDA Data, 2015
In 2015, Howard Bank of Ellicott City, MD reported 3,969 mortgage applications totaling $906.7 million, up 118% from 2014. The average application was for $228,437, and applicants reported an average income of $90,079. 60% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (1,472), Washington-Arlington-Alexandria, DC-VA-MD-WV (146) and Denver-Aurora-Lakewood, CO (78) (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 | 3,969 |
| Total Mortgage Loan Application Amount | $906,670,000 |
| Average Mortgage Loan Application Amount | $228,437 |
| Highest Mortgage Loan Application Amount | $2,432,000 |
| Average Applicant Income | $90,079 |
| Highest Applicant Income | $1,619,000 |
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Act (HMDA) records Howard Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore-Columbia-Towson, MD | 1,472 | $ 368,851,000 | $ 250,578 | $ 98,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 146 | $ 45,111,000 | $ 308,979 | $ 98,212 |
| Denver-Aurora-Lakewood, CO | 78 | $ 21,769,000 | $ 279,089 | $ 96,000 |
| Atlanta-Sandy Springs-Roswell, GA | 76 | $ 13,892,000 | $ 182,789 | $ 88,000 |
| New York-Jersey City-White Plains, NY-NJ | 71 | $ 20,925,000 | $ 294,718 | $ 115,661 |
| Phoenix-Mesa-Scottsdale, AZ | 71 | $ 14,081,000 | $ 198,323 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 44 | $ 15,160,000 | $ 344,545 | $ 90,000 |
| Silver Spring-Frederick-Rockville, MD | 44 | $ 17,702,000 | $ 402,318 | $ 113,000 |
| Hagerstown-Martinsburg, MD-WV | 38 | $ 6,492,000 | $ 170,842 | $ 61,236 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 10,361,000 | $ 272,657 | $ 89,000 |
| York-Hanover, PA | 38 | $ 6,677,000 | $ 175,710 | $ 81,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 35 | $ 7,805,000 | $ 223,000 | $ 96,000 |
| Nassau County-Suffolk County, NY | 33 | $ 9,822,000 | $ 297,636 | $ 125,000 |
| Boston, MA | 30 | $ 6,865,000 | $ 228,833 | $ 86,000 |
| Chicago-Naperville-Arlington Heights, IL | 30 | $ 5,326,000 | $ 177,533 | $ 96,000 |
| Oakland-Hayward-Berkeley, CA | 30 | $ 10,800,000 | $ 360,000 | $ 96,000 |
| Tampa-St. Petersburg-Clearwater, FL | 30 | $ 4,972,000 | $ 165,733 | $ 70,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 4,962,000 | $ 171,103 | $ 80,172 |
| Cambridge-Newton-Framingham, MA | 28 | $ 9,461,000 | $ 337,892 | $ 106,000 |
| Las Vegas-Henderson-Paradise, NV | 27 | $ 4,678,000 | $ 173,259 | $ 80,000 |
| Newark, NJ-PA | 26 | $ 8,493,000 | $ 326,653 | $ 104,884 |
| Seattle-Bellevue-Everett, WA | 25 | $ 9,394,000 | $ 375,760 | $ 103,000 |
| Wilmington, DE-MD-NJ | 25 | $ 5,422,000 | $ 216,880 | $ 74,400 |
| Anaheim-Santa Ana-Irvine, CA | 24 | $ 10,663,000 | $ 444,291 | $ 140,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 5,140,000 | $ 223,478 | $ 90,000 |
| San Diego-Carlsbad, CA | 23 | $ 9,515,000 | $ 413,695 | $ 115,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 4,172,000 | $ 198,666 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 20 | $ 4,387,000 | $ 219,350 | $ 80,000 |
| Montgomery County-Bucks County-Chester County, PA | 20 | $ 4,383,000 | $ 219,150 | $ 103,000 |
| Pittsburgh, PA | 20 | $ 2,420,000 | $ 121,000 | $ 59,000 |
| Orlando-Kissimmee-Sanford, FL | 19 | $ 4,223,000 | $ 222,263 | $ 73,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 4,228,000 | $ 222,526 | $ 75,263 |
| Salisbury, MD-DE | 17 | $ 3,401,000 | $ 200,058 | $ 115,588 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 3,485,000 | $ 232,333 | $ 174,000 |
| Kansas City, MO-KS | 15 | $ 1,987,000 | $ 132,466 | $ 94,200 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 3,218,000 | $ 214,533 | $ 76,000 |
| New Orleans-Metairie, LA | 15 | $ 2,248,000 | $ 149,866 | $ 67,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 14 | $ 2,056,000 | $ 146,857 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,283,000 | $ 163,071 | $ 125,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 2,608,000 | $ 186,285 | $ 65,000 |
| Philadelphia, PA | 14 | $ 1,906,000 | $ 136,142 | $ 74,000 |
| Raleigh, NC | 14 | $ 2,953,000 | $ 210,928 | $ 84,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 5,013,000 | $ 358,071 | $ 120,000 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 2,668,000 | $ 205,230 | $ 95,000 |
| Oklahoma City, OK | 13 | $ 1,713,000 | $ 131,769 | $ 76,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 3,472,000 | $ 267,076 | $ 83,000 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 1,421,000 | $ 109,307 | $ 52,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 3,245,000 | $ 270,416 | $ 100,000 |
| Jacksonville, FL | 12 | $ 1,971,000 | $ 164,250 | $ 77,000 |
| Memphis, TN-MS-AR | 12 | $ 1,685,000 | $ 140,416 | $ 71,916 |
| Richmond, VA | 12 | $ 1,900,000 | $ 158,333 | $ 58,000 |
| Charleston-North Charleston, SC | 11 | $ 2,420,000 | $ 220,000 | $ 89,000 |
| Fort Collins, CO | 11 | $ 2,457,000 | $ 223,363 | $ 78,000 |
| Greeley, CO | 11 | $ 2,738,000 | $ 248,909 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 2,069,000 | $ 188,090 | $ 84,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 1,241,000 | $ 112,818 | $ 73,909 |
| Providence-Warwick, RI-MA | 11 | $ 1,875,000 | $ 170,454 | $ 98,909 |
| Tucson, AZ | 11 | $ 2,450,000 | $ 222,727 | $ 75,000 |
| Camden, NJ | 10 | $ 1,518,000 | $ 151,800 | $ 66,000 |
| Cincinnati, OH-KY-IN | 10 | $ 1,429,000 | $ 142,900 | $ 68,200 |
| Cleveland-Elyria, OH | 10 | $ 1,014,000 | $ 101,400 | $ 76,000 |
| Reno, NV | 10 | $ 2,415,000 | $ 241,500 | $ 93,000 |
| St. Louis, MO-IL | 10 | $ 1,046,000 | $ 104,600 | $ 65,600 |
| Albuquerque, NM | 9 | $ 1,860,000 | $ 206,666 | $ 66,000 |
| Austin-Round Rock, TX | 9 | $ 2,617,000 | $ 290,777 | $ 115,000 |
| Bakersfield, CA | 9 | $ 1,516,000 | $ 168,444 | $ 82,000 |
| Dallas-Plano-Irving, TX | 9 | $ 2,035,000 | $ 226,111 | $ 94,000 |
| New Haven-Milford, CT | 9 | $ 1,474,000 | $ 163,777 | $ 70,000 |
| Port St. Lucie, FL | 9 | $ 1,402,000 | $ 155,777 | $ 71,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 4,898,000 | $ 544,222 | $ 131,000 |
| Tulsa, OK | 9 | $ 1,099,000 | $ 122,111 | $ 66,000 |
| Birmingham-Hoover, AL | 8 | $ 1,551,000 | $ 193,875 | $ 111,000 |
| Colorado Springs, CO | 8 | $ 2,191,000 | $ 273,875 | $ 71,000 |
| Columbus, OH | 8 | $ 1,429,000 | $ 178,625 | $ 85,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 1,217,000 | $ 152,125 | $ 83,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 4,233,000 | $ 529,125 | $ 121,000 |
| Trenton, NJ | 8 | $ 1,628,000 | $ 203,500 | $ 157,000 |
| Boise City, ID | 7 | $ 1,197,000 | $ 171,000 | $ 75,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 1,235,000 | $ 176,428 | $ 59,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 989,000 | $ 141,285 | $ 74,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 806,000 | $ 115,142 | $ 70,000 |
| Dover, DE | 7 | $ 987,000 | $ 141,000 | $ 52,000 |
| Durham-Chapel Hill, NC | 7 | $ 1,562,000 | $ 223,142 | $ 87,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 913,000 | $ 130,428 | $ 62,000 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 1,040,000 | $ 148,571 | $ 56,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,936,000 | $ 276,571 | $ 108,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,715,000 | $ 245,000 | $ 77,000 |
| Stockton-Lodi, CA | 7 | $ 1,534,000 | $ 219,142 | $ 66,000 |
| Urban Honolulu, HI | 7 | $ 3,267,000 | $ 466,714 | $ 81,000 |
| Vallejo-Fairfield, CA | 7 | $ 1,858,000 | $ 265,428 | $ 87,000 |
| Akron, OH | 6 | $ 922,000 | $ 153,666 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 487,000 | $ 81,166 | $ 50,833 |
| Des Moines-West Des Moines, IA | 6 | $ 1,191,000 | $ 198,500 | $ 109,000 |
| Fort Worth-Arlington, TX | 6 | $ 953,000 | $ 158,833 | $ 71,000 |
| Mobile, AL | 6 | $ 558,000 | $ 93,000 | $ 44,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 875,000 | $ 145,833 | $ 62,000 |
| Portland-South Portland, ME | 6 | $ 1,352,000 | $ 225,333 | $ 87,000 |
| Toledo, OH | 6 | $ 650,000 | $ 108,333 | $ 56,000 |
| Worcester, MA-CT | 6 | $ 1,389,000 | $ 231,500 | $ 116,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 761,000 | $ 152,200 | $ 54,000 |
| Anchorage, AK | 5 | $ 887,000 | $ 177,400 | $ 65,000 |
| Asheville, NC | 5 | $ 1,247,000 | $ 249,400 | $ 87,000 |
| Columbia, SC | 5 | $ 1,061,000 | $ 212,200 | $ 95,000 |
| Gary, IN | 5 | $ 652,000 | $ 130,400 | $ 55,000 |
| Greensboro-High Point, NC | 5 | $ 361,000 | $ 72,200 | $ 51,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 597,000 | $ 119,400 | $ 56,000 |
| Knoxville, TN | 5 | $ 640,000 | $ 128,000 | $ 70,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 772,000 | $ 154,400 | $ 78,000 |
| Modesto, CA | 5 | $ 998,000 | $ 199,600 | $ 71,000 |
| Punta Gorda, FL | 5 | $ 485,000 | $ 97,000 | $ 37,000 |
| Springfield, MA | 5 | $ 477,000 | $ 95,400 | $ 91,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,238,000 | $ 247,600 | $ 124,000 |
| Barnstable Town, MA | 4 | $ 729,000 | $ 182,250 | $ 87,000 |
| Baton Rouge, LA | 4 | $ 1,051,000 | $ 262,750 | $ 131,000 |
| Fayetteville, NC | 4 | $ 582,000 | $ 145,500 | $ 78,000 |
| Gettysburg, PA | 4 | $ 1,391,000 | $ 347,750 | $ 163,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 698,000 | $ 174,500 | $ 70,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 630,000 | $ 157,500 | $ 67,000 |
| Harrisburg-Carlisle, PA | 4 | $ 588,000 | $ 147,000 | $ 113,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 361,000 | $ 90,250 | $ 42,000 |
| Jackson, MS | 4 | $ 512,000 | $ 128,000 | $ 50,000 |
| Kingston, NY | 4 | $ 513,000 | $ 128,250 | $ 46,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,073,000 | $ 268,250 | $ 73,000 |
| Rochester, NY | 4 | $ 413,000 | $ 103,250 | $ 81,000 |
| Salt Lake City, UT | 4 | $ 673,000 | $ 168,250 | $ 49,000 |
| Utica-Rome, NY | 4 | $ 239,000 | $ 59,750 | $ 52,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 447,000 | $ 149,000 | $ 98,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 455,000 | $ 151,666 | $ 61,000 |
| Boulder, CO | 3 | $ 1,019,000 | $ 339,666 | $ 173,000 |
| Burlington, NC | 3 | $ 319,000 | $ 106,333 | $ 47,000 |
| Canton-Massillon, OH | 3 | $ 308,000 | $ 102,666 | $ 93,000 |
| Clarksville, TN-KY | 3 | $ 324,000 | $ 108,000 | $ 91,000 |
| Coeur D'Alene, ID | 3 | $ 919,000 | $ 306,333 | $ 80,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 435,000 | $ 145,000 | $ 63,000 |
| Dayton, OH | 3 | $ 220,000 | $ 73,333 | $ 49,000 |
| El Paso, TX | 3 | $ 347,000 | $ 115,666 | $ 37,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,183,000 | $ 394,333 | $ 120,000 |
| Fresno, CA | 3 | $ 741,000 | $ 247,000 | $ 94,000 |
| Gainesville, GA | 3 | $ 212,000 | $ 70,666 | $ 85,000 |
| Lancaster, PA | 3 | $ 773,000 | $ 257,666 | $ 78,000 |
| Lynchburg, VA | 3 | $ 358,000 | $ 119,333 | $ 23,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 320,000 | $ 106,666 | $ 38,000 |
| Ogden-Clearfield, UT | 3 | $ 696,000 | $ 232,000 | $ 115,000 |
| Provo-Orem, UT | 3 | $ 1,088,000 | $ 362,666 | $ 147,000 |
| Reading, PA | 3 | $ 662,000 | $ 220,666 | $ 63,000 |
| San Rafael, CA | 3 | $ 1,755,000 | $ 585,000 | $ 181,000 |
| Savannah, GA | 3 | $ 726,000 | $ 242,000 | $ 57,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 282,000 | $ 94,000 | $ 93,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 183,000 | $ 61,000 | $ 19,000 |
| Spartanburg, SC | 3 | $ 282,000 | $ 94,000 | $ 47,000 |
| Terre Haute, IN | 3 | $ 229,000 | $ 76,333 | $ 62,000 |
| The Villages, FL | 3 | $ 470,000 | $ 156,666 | $ 68,000 |
| Wheeling, WV-OH | 3 | $ 182,000 | $ 60,666 | $ 63,666 |
| Wichita, KS | 3 | $ 446,000 | $ 148,666 | $ 180,000 |
| Wilmington, NC | 3 | $ 575,000 | $ 191,666 | $ 117,000 |
| Winston-Salem, NC | 3 | $ 321,000 | $ 107,000 | $ 58,000 |
| Altoona, PA | 2 | $ 185,000 | $ 92,500 | $ 54,000 |
| Ann Arbor, MI | 2 | $ 598,000 | $ 299,000 | $ 103,000 |
| Bend-Redmond, OR | 2 | $ 467,000 | $ 233,500 | $ 65,000 |
| California-Lexington Park, MD | 2 | $ 532,000 | $ 266,000 | $ 76,000 |
| Charleston, WV | 2 | $ 215,000 | $ 107,500 | $ 67,000 |
| Chattanooga, TN-GA | 2 | $ 272,000 | $ 136,000 | $ 15,000 |
| Columbia, MO | 2 | $ 350,000 | $ 175,000 | $ 154,000 |
| Columbus, GA-AL | 2 | $ 417,000 | $ 208,500 | $ 56,000 |
| Cumberland, MD-WV | 2 | $ 266,000 | $ 133,000 | $ 148,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 217,000 | $ 108,500 | $ 67,000 |
| Dothan, AL | 2 | $ 406,000 | $ 203,000 | $ 106,000 |
| Dutchess County-Putnam County, NY | 2 | $ 701,000 | $ 350,500 | $ 112,000 |
| Fairbanks, AK | 2 | $ 366,000 | $ 183,000 | $ 80,000 |
| Fargo, ND-MN | 2 | $ 461,000 | $ 230,500 | $ 104,000 |
| Farmington, NM | 2 | $ 613,000 | $ 306,500 | $ 60,000 |
| Flagstaff, AZ | 2 | $ 298,000 | $ 149,000 | $ 60,000 |
| Florence-Muscle Shoals, AL | 2 | $ 174,000 | $ 87,000 | $ 40,000 |
| Glens Falls, NY | 2 | $ 192,000 | $ 96,000 | $ 40,000 |
| Hattiesburg, MS | 2 | $ 177,000 | $ 88,500 | $ 70,000 |
| Hinesville, GA | 2 | $ 207,000 | $ 103,500 | $ 29,000 |
| Huntsville, AL | 2 | $ 188,000 | $ 94,000 | $ 65,000 |
| Johnson City, TN | 2 | $ 235,000 | $ 117,500 | $ 18,000 |
| Johnstown, PA | 2 | $ 85,000 | $ 42,500 | $ 59,000 |
| Joplin, MO | 2 | $ 166,000 | $ 83,000 | $ 59,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 136,000 | $ 68,000 | $ 48,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 273,000 | $ 136,500 | $ 52,000 |
| Lafayette, LA | 2 | $ 395,000 | $ 197,500 | $ 48,000 |
| Lafayette-West Lafayette, IN | 2 | $ 257,000 | $ 128,500 | $ 383,000 |
| Lansing-East Lansing, MI | 2 | $ 175,000 | $ 87,500 | $ 52,000 |
| Lawrence, KS | 2 | $ 186,000 | $ 93,000 | $ 32,000 |
| Lima, OH | 2 | $ 107,000 | $ 53,500 | $ 37,000 |
| Lincoln, NE | 2 | $ 196,000 | $ 98,000 | $ 50,000 |
| Manchester-Nashua, NH | 2 | $ 394,000 | $ 197,000 | $ 73,000 |
| Medford, OR | 2 | $ 319,000 | $ 159,500 | $ 88,000 |
| Napa, CA | 2 | $ 905,000 | $ 452,500 | $ 66,000 |
| Ocean City, NJ | 2 | $ 327,000 | $ 163,500 | $ 67,000 |
| Odessa, TX | 2 | $ 179,000 | $ 89,500 | $ 106,000 |
| Olympia-Tumwater, WA | 2 | $ 275,000 | $ 137,500 | $ 67,000 |
| Parkersburg-Vienna, WV | 2 | $ 301,000 | $ 150,500 | $ 71,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 234,000 | $ 117,000 | $ 48,000 |
| Prescott, AZ | 2 | $ 311,000 | $ 155,500 | $ 81,000 |
| Rapid City, SD | 2 | $ 183,000 | $ 91,500 | $ 43,000 |
| Roanoke, VA | 2 | $ 325,000 | $ 162,500 | $ 65,000 |
| Rockford, IL | 2 | $ 163,000 | $ 81,500 | $ 69,000 |
| Salinas, CA | 2 | $ 640,000 | $ 320,000 | $ 134,000 |
| Santa Rosa, CA | 2 | $ 835,000 | $ 417,500 | $ 159,000 |
| Sebastian-Vero Beach, FL | 2 | $ 293,000 | $ 146,500 | $ 118,000 |
| Sioux Falls, SD | 2 | $ 175,000 | $ 87,500 | $ 55,000 |
| St. George, UT | 2 | $ 521,000 | $ 260,500 | $ 66,000 |
| State College, PA | 2 | $ 131,000 | $ 65,500 | $ 22,000 |
| Sumter, SC | 2 | $ 464,000 | $ 232,000 | $ 37,000 |
| Topeka, KS | 2 | $ 168,000 | $ 84,000 | $ 54,000 |
| Visalia-Porterville, CA | 2 | $ 216,000 | $ 108,000 | $ 34,000 |
| Winchester, VA-WV | 2 | $ 220,000 | $ 110,000 | $ 71,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 258,000 | $ 129,000 | $ 44,000 |
| Albany, GA | 1 | $ 66,000 | $ 66,000 | $ 57,000 |
| Albany, OR | 1 | $ 270,000 | $ 270,000 | $ 84,000 |
| Alexandria, LA | 1 | $ 120,000 | $ 120,000 | $ 125,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 98,000 | $ 98,000 | $ 104,000 |
| Appleton, WI | 1 | $ 248,000 | $ 248,000 | $ 95,000 |
| Auburn-Opelika, AL | 1 | $ 110,000 | $ 110,000 | $ 25,000 |
| Bangor, ME | 1 | $ 250,000 | $ 250,000 | $ 68,000 |
| Bay City, MI | 1 | $ 209,000 | $ 209,000 | $ 58,000 |
| Beaumont-Port Arthur, TX | 1 | $ 152,000 | $ 152,000 | $ 56,000 |
| Beckley, WV | 1 | $ 58,000 | $ 58,000 | $ 69,000 |
| Bellingham, WA | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Billings, MT | 1 | $ 121,000 | $ 121,000 | $ 65,000 |
| Binghamton, NY | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Bloomsburg-Berwick, PA | 1 | $ 211,000 | $ 211,000 | $ 120,000 |
| Bremerton-Silverdale, WA | 1 | $ 400,000 | $ 400,000 | $ 221,000 |
| Burlington-South Burlington, VT | 1 | $ 229,000 | $ 229,000 | $ 69,000 |
| Cape Girardeau, MO-IL | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Cleveland, TN | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| College Station-Bryan, TX | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 90,000 | $ 90,000 | $ 58,000 |
| Dalton, GA | 1 | $ 160,000 | $ 160,000 | $ 116,000 |
| Decatur, IL | 1 | $ 52,000 | $ 52,000 | $ 45,000 |
| Duluth, MN-WI | 1 | $ 211,000 | $ 211,000 | $ 92,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Erie, PA | 1 | $ 199,000 | $ 199,000 | $ 140,000 |
| Evansville, IN-KY | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Fort Wayne, IN | 1 | $ 123,000 | $ 123,000 | $ 97,000 |
| Gadsden, AL | 1 | $ 176,000 | $ 176,000 | $ 71,000 |
| Grand Forks, ND-MN | 1 | $ 275,000 | $ 275,000 | $ 30,000 |
| Grants Pass, OR | 1 | $ 238,000 | $ 238,000 | $ 76,000 |
| Green Bay, WI | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Greenville, NC | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Homosassa Springs, FL | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Houma-Thibodaux, LA | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 50,000 | $ 50,000 | $ 97,000 |
| Jackson, MI | 1 | $ 156,000 | $ 156,000 | $ 110,000 |
| Janesville-Beloit, WI | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Jefferson City, MO | 1 | $ 74,000 | $ 74,000 | $ 61,000 |
| Jonesboro, AR | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 218,000 | $ 218,000 | $ 55,000 |
| Lake Charles, LA | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Lakeland-Winter Haven, FL | 1 | $ 230,000 | $ 230,000 | $ 109,000 |
| Laredo, TX | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 77,000 | $ 77,000 | $ 67,000 |
| Lexington-Fayette, KY | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Logan, UT-ID | 1 | $ 203,000 | $ 203,000 | $ 100,000 |
| Longview, TX | 1 | $ 218,000 | $ 218,000 | $ 187,000 |
| Macon, GA | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Madera, CA | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Manhattan, KS | 1 | $ 336,000 | $ 336,000 | $ 61,000 |
| Midland, TX | 1 | $ 216,000 | $ 216,000 | $ 124,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 211,000 | $ 211,000 | $ 56,000 |
| Monroe, MI | 1 | $ 169,000 | $ 169,000 | $ 35,000 |
| Montgomery, AL | 1 | $ 149,000 | $ 149,000 | $ 37,000 |
| Morristown, TN | 1 | $ 111,000 | $ 111,000 | $ 75,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 294,000 | $ 294,000 | $ 80,000 |
| Muskegon, MI | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Norwich-New London, CT | 1 | $ 324,000 | $ 324,000 | $ 191,000 |
| Ocala, FL | 1 | $ 42,000 | $ 42,000 | $ 24,000 |
| Owensboro, KY | 1 | $ 114,000 | $ 114,000 | $ 114,000 |
| Panama City, FL | 1 | $ 280,000 | $ 280,000 | $ 68,000 |
| Peoria, IL | 1 | $ 147,000 | $ 147,000 | $ 44,000 |
| Pittsfield, MA | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Pueblo, CO | 1 | $ 218,000 | $ 218,000 | $ 54,000 |
| Racine, WI | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Redding, CA | 1 | $ 121,000 | $ 121,000 | $ 50,000 |
| Rochester, MN | 1 | $ 148,000 | $ 148,000 | $ 119,000 |
| Rome, GA | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Salem, OR | 1 | $ 196,000 | $ 196,000 | $ 112,000 |
| San Antonio-New Braunfels, TX | 1 | $ 131,000 | $ 131,000 | $ 86,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 407,000 | $ 407,000 | $ 239,000 |
| Shreveport-Bossier City, LA | 1 | $ 158,000 | $ 158,000 | $ 77,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 209,000 | $ 209,000 | $ 93,000 |
| Spokane-Spokane Valley, WA | 1 | $ 110,000 | $ 110,000 | $ 66,000 |
| Springfield, OH | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Syracuse, NY | 1 | $ 250,000 | $ 250,000 | $ 57,000 |
| Tuscaloosa, AL | 1 | $ 258,000 | $ 258,000 | $ 59,000 |
| Vineland-Bridgeton, NJ | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 68,000 | $ 68,000 | $ 92,000 |
| Watertown-Fort Drum, NY | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Wausau, WI | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Wenatchee, WA | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Yuba City, CA | 1 | $ 214,000 | $ 214,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Howard Bank in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,664 | $411,805,000 | $247,000 | $2,432,000 | $95,000 | $1,229,000 |
| Home Purchase | 1,274 | $299,982,000 | $235,000 | $2,000,000 | $91,000 | $1,619,000 |
| Home Improvement | 1,031 | $194,883,000 | $189,000 | $1,600,000 | $81,000 | $1,391,000 |
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 | 2,858 | $650,083,000 | $227,000 | $2,432,000 | $92,000 | $1,619,000 |
| Black or African American | 519 | $103,650,000 | $199,000 | $999,000 | $71,000 | $837,000 |
| Hispanic | 199 | $44,639,000 | $224,000 | $784,000 | $86,000 | $647,000 |
| Not Provided | 188 | $48,363,000 | $257,000 | $855,000 | $109,000 | $1,395,000 |
| Asian | 159 | $49,693,000 | $312,000 | $1,200,000 | $112,000 | $506,000 |
| American Indian or Alaskan Native | 25 | $4,779,000 | $191,000 | $464,000 | $71,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,673,000 | $274,000 | $626,000 | $77,000 | $165,000 |
| Not applicable | 4 | $790,000 | $197,000 | $410,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,939 | $450,436,000 | $232,000 | $2,432,000 | $108,000 | $1,619,000 |
| FHA-insured (Federal Housing Administration) | 1,534 | $309,805,000 | $201,000 | $651,000 | $68,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 460 | $139,279,000 | $302,000 | $946,000 | $93,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $7,150,000 | $198,000 | $480,000 | $62,000 | $139,000 |
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 | 2,363 | $558,873,000 | $236,000 | $2,432,000 | $93,000 | $1,619,000 |
| File Closed For Incompleteness | 774 | $159,540,000 | $206,000 | $1,000,000 | $87,000 | $686,000 |
| Application Denied By Financial Institution | 431 | $92,298,000 | $214,000 | $1,500,000 | $80,000 | $1,038,000 |
| Application Withdrawn By Applicant | 273 | $68,853,000 | $252,000 | $1,933,000 | $99,000 | $950,000 |
| Application Approved But Not Accepted | 128 | $27,106,000 | $211,000 | $651,000 | $87,000 | $281,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Howard Bank's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 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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