K Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
K Bank 2003 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 | K Bank 11407 Cronhill Drive, Suite N Owings Mills, MD 21117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 716 |
| Total Mortgage Loan Application Amount | $116,149,000 |
| Average Mortgage Loan Application Amount | $189,214 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $76,285 |
| Highest Applicant Income | $849,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with K 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 K Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down K 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 K Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by K 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 K Bank's mortgage activity for 2003.
| 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 | 245 | $ 35,941,000 | $ 146,000 | $ 63,000 |
| Baltimore City County Maryland | 114 | $ 10,231,000 | $ 89,000 | $ 44,000 |
| Harford County Maryland | 90 | $ 12,479,000 | $ 138,000 | $ 37,000 |
| Carroll County Maryland | 56 | $ 9,784,000 | $ 174,000 | $ 67,000 |
| Sussex County Delaware | 41 | $ 9,826,000 | $ 239,000 | $ 88,000 |
| Howard County Maryland | 25 | $ 5,115,000 | $ 204,000 | $ 105,000 |
| York County Pennsylvania | 20 | $ 2,815,000 | $ 140,000 | $ 45,000 |
| Cecil County Maryland | 19 | $ 2,646,000 | $ 139,000 | $ 54,000 |
| Anne Arundel County Maryland | 18 | $ 3,168,000 | $ 176,000 | $ 84,000 |
| Prince George's County Maryland | 18 | $ 5,196,000 | $ 288,000 | $ 87,000 |
| Montgomery County Maryland | 10 | $ 4,514,000 | $ 451,000 | $ 143,000 |
| Charles County Maryland | 6 | $ 1,581,000 | $ 263,000 | $ 62,000 |
| Frederick County Maryland | 6 | $ 1,665,000 | $ 277,000 | $ 101,000 |
| Worcester County Maryland | 6 | $ 1,048,000 | $ 174,000 | $ 99,000 |
| Prince William County Virginia | 5 | $ 2,663,000 | $ 532,000 | $ 132,000 |
| New Castle County Delaware | 4 | $ 755,000 | $ 188,000 | $ 76,000 |
| Delaware County Pennsylvania | 3 | $ 357,000 | $ 119,000 | $ 51,000 |
| Kent County Delaware | 2 | $ 600,000 | $ 300,000 | $ 157,000 |
| District of Columbia County District Of Columbia | 2 | $ 471,000 | $ 235,000 | $ 139,000 |
| St. Mary's County Maryland | 2 | $ 445,000 | $ 222,000 | $ 105,000 |
| Talbot County Maryland | 2 | $ 464,000 | $ 232,000 | $ 152,000 |
| Adams County Pennsylvania | 2 | $ 267,000 | $ 133,000 | $ 77,000 |
| Broward County Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Pinellas County Florida | 1 | $ 122,000 | $ 122,000 | $ 59,000 |
| Caroline County Maryland | 1 | $ 139,000 | $ 139,000 | $ 69,000 |
| Queen Anne's County Maryland | 1 | $ 292,000 | $ 292,000 | $ 83,000 |
| Wicomico County Maryland | 1 | $ 99,000 | $ 99,000 | $ 25,000 |
| Camden County New Jersey | 1 | $ 96,000 | $ 96,000 | $ 62,000 |
| Wake County North Carolina | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 50,000 |
| Chester County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Arlington County Virginia | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Clarke County Virginia | 1 | $ 512,000 | $ 512,000 | $ 210,000 |
| Henrico County Virginia | 1 | $ 392,000 | $ 392,000 | $ 201,000 |
| Loudoun County Virginia | 1 | $ 521,000 | $ 521,000 | $ 156,000 |
| Manassas County Virginia | 1 | $ 212,000 | $ 212,000 | $ 64,000 |
| Middlesex County Virginia | 1 | $ 231,000 | $ 231,000 | $ 68,000 |
| Northumberland County Virginia | 1 | $ 126,000 | $ 126,000 | $ 133,000 |
| Berkeley County West Virginia | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for K Bank in 2003
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 (one-to-four family) | 423 | $72,939,000 | $225,000 | $1,295,000 | $79,000 | $849,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 293 | $43,210,000 | $162,375 | $630,000 | $74,250 | $442,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 546 | $87,308,000 | $177,875 | $600,000 | $89,500 | $849,000 |
| Black | 147 | $23,726,000 | $247,666 | $1,295,000 | $53,500 | $264,000 |
| Other | 11 | $2,646,000 | $242,000 | $525,000 | $53,666 | $205,000 |
| Hispanic | 6 | $814,000 | $135,000 | $280,000 | $44,000 | $120,000 |
| Asian or Pacific Islander | 4 | $1,122,000 | $280,000 | $536,000 | $57,000 | $92,000 |
| American Indian or Alaskan Native | 1 | $323,000 | $323,000 | $323,000 | $87,000 | $87,000 |
| Information not provided by applicant in mail or telephone application | 1 | $210,000 | $210,000 | $210,000 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 436 | $82,797,000 | $188,125 | $1,295,000 | $93,375 | $849,000 |
| FHA-insured (Federal Housing Administration) | 244 | $28,011,000 | $155,333 | $266,000 | $19,500 | $213,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,341,000 | $148,000 | $270,000 | $32,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 619 | $100,409,000 | $174,333 | $1,295,000 | $61,111 | $442,000 |
| Application Withdrawn By Applicant | 59 | $9,293,000 | $171,000 | $583,000 | $86,000 | $849,000 |
| Application Approved But Not Accepted | 20 | $3,273,000 | $134,666 | $440,000 | $100,000 | $456,000 |
| Application Denied By Financial Institution | 14 | $2,541,000 | $201,500 | $500,000 | $99,500 | $281,000 |
| File Closed For Incompleteness | 4 | $633,000 | $212,500 | $321,000 | $48,500 | $84,000 |
| Loan Purchased By The 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 K Bank's 2003 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 K 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.