Sandy Spring Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Sandy Spring Bank 2018 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 | Sandy Spring Bank 6831 Benjamin Frankin Drive Olney, MD 21046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,613 |
| Total Mortgage Loan Application Amount | $1,620,805,000 |
| Average Mortgage Loan Application Amount | $284,833 |
| Highest Mortgage Loan Application Amount | $10,405,000 |
| Average Applicant Income | $142,666 |
| Highest Applicant Income | $3,613,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Sandy Spring 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 Sandy Spring Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Sandy Spring 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 Sandy Spring Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Sandy Spring 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 Sandy Spring Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Maryland | 1,064 | $ 364,920,000 | $ 342,000 | $ 187,000 |
| Fairfax County Virginia | 510 | $ 240,530,000 | $ 471,000 | $ 197,000 |
| Prince George's County Maryland | 504 | $ 108,050,000 | $ 214,000 | $ 91,000 |
| District of Columbia County District Of Columbia | 435 | $ 204,845,000 | $ 470,000 | $ 173,000 |
| Anne Arundel County Maryland | 304 | $ 87,010,000 | $ 286,000 | $ 163,000 |
| Frederick County Maryland | 251 | $ 60,325,000 | $ 240,000 | $ 139,000 |
| Howard County Maryland | 214 | $ 81,580,000 | $ 381,000 | $ 199,000 |
| Prince William County Virginia | 206 | $ 60,950,000 | $ 295,000 | $ 101,000 |
| Loudoun County Virginia | 192 | $ 70,370,000 | $ 366,000 | $ 173,000 |
| Baltimore County Maryland | 128 | $ 40,090,000 | $ 313,000 | $ 157,000 |
| Arlington County Virginia | 111 | $ 68,415,000 | $ 616,000 | $ 239,000 |
| Alexandria County Virginia | 87 | $ 47,055,000 | $ 540,000 | $ 212,000 |
| Carroll County Maryland | 80 | $ 20,880,000 | $ 261,000 | $ 126,000 |
| Baltimore City County Maryland | 51 | $ 9,825,000 | $ 192,000 | $ 97,000 |
| Spotsylvania County Virginia | 50 | $ 14,650,000 | $ 293,000 | $ 97,000 |
| Charles County Maryland | 39 | $ 9,465,000 | $ 242,000 | $ 103,000 |
| Harford County Maryland | 27 | $ 9,565,000 | $ 354,000 | $ 185,000 |
| Stafford County Virginia | 26 | $ 8,400,000 | $ 323,000 | $ 110,000 |
| Fauquier County Virginia | 20 | $ 5,420,000 | $ 271,000 | $ 105,000 |
| Manassas County Virginia | 20 | $ 4,690,000 | $ 234,000 | $ 93,000 |
| Calvert County Maryland | 19 | $ 6,355,000 | $ 334,000 | $ 169,000 |
| Washington County Maryland | 18 | $ 5,000,000 | $ 277,000 | $ 101,000 |
| Sussex County Delaware | 16 | $ 5,950,000 | $ 371,000 | $ 302,000 |
| Queen Anne's County Maryland | 14 | $ 5,250,000 | $ 375,000 | $ 181,000 |
| Culpeper County Virginia | 14 | $ 3,120,000 | $ 222,000 | $ 92,000 |
| Worcester County Maryland | 11 | $ 3,095,000 | $ 281,000 | $ 259,000 |
| Falls Church County Virginia | 11 | $ 7,705,000 | $ 700,000 | $ 324,000 |
| Frederick County Virginia | 11 | $ 2,445,000 | $ 222,000 | $ 152,000 |
| Fairfax City County Virginia | 10 | $ 13,510,000 | $ 1,351,000 | $ 160,000 |
| Warren County Virginia | 9 | $ 1,405,000 | $ 156,000 | $ 123,000 |
| Fredericksburg County Virginia | 8 | $ 2,820,000 | $ 352,000 | $ 122,000 |
| Garrett County Maryland | 6 | $ 2,050,000 | $ 341,000 | $ 203,000 |
| St. Mary's County Maryland | 6 | $ 1,640,000 | $ 273,000 | $ 125,000 |
| Orange County Florida | 4 | $ 1,450,000 | $ 362,000 | $ 197,000 |
| Palm Beach County Florida | 4 | $ 2,000,000 | $ 500,000 | $ 296,000 |
| Bucks County Pennsylvania | 4 | $ 1,080,000 | $ 270,000 | $ 102,000 |
| Charleston County South Carolina | 4 | $ 2,320,000 | $ 580,000 | $ 230,000 |
| Henrico County Virginia | 4 | $ 2,260,000 | $ 565,000 | $ 261,000 |
| Louisa County Virginia | 4 | $ 1,090,000 | $ 272,000 | $ 114,000 |
| Madison County Virginia | 4 | $ 830,000 | $ 207,000 | $ 65,000 |
| Manassas Park County Virginia | 4 | $ 1,110,000 | $ 277,000 | $ 66,000 |
| Orange County Virginia | 4 | $ 990,000 | $ 247,000 | $ 91,000 |
| Berkeley County West Virginia | 4 | $ 600,000 | $ 150,000 | $ 117,000 |
| Brevard County Florida | 3 | $ 645,000 | $ 215,000 | $ 84,000 |
| Pasco County Florida | 3 | $ 605,000 | $ 201,000 | $ 61,000 |
| Talbot County Maryland | 3 | $ 1,565,000 | $ 521,000 | $ 228,000 |
| Franklin County Ohio | 3 | $ 335,000 | $ 111,000 | $ 52,000 |
| Greene County Ohio | 3 | $ 1,055,000 | $ 351,000 | $ 97,000 |
| Westmoreland County Virginia | 3 | $ 1,055,000 | $ 351,000 | $ 204,000 |
| Winchester County Virginia | 3 | $ 705,000 | $ 235,000 | $ 237,000 |
| Adams County Colorado | 2 | $ 560,000 | $ 280,000 | $ 89,000 |
| Collier County Florida | 2 | $ 1,660,000 | $ 830,000 | $ 1,059,000 |
| Manatee County Florida | 2 | $ 460,000 | $ 230,000 | $ 148,000 |
| Miami-Dade County Florida | 2 | $ 560,000 | $ 280,000 | $ 226,000 |
| Sarasota County Florida | 2 | $ 370,000 | $ 185,000 | $ 65,000 |
| St. Lucie County Florida | 2 | $ 570,000 | $ 285,000 | $ 176,000 |
| Volusia County Florida | 2 | $ 460,000 | $ 230,000 | $ 99,000 |
| Douglas County Georgia | 2 | $ 350,000 | $ 175,000 | $ 66,000 |
| Allegany County Maryland | 2 | $ 430,000 | $ 215,000 | $ 263,000 |
| Kent County Maryland | 2 | $ 360,000 | $ 180,000 | $ 94,000 |
| Wicomico County Maryland | 2 | $ 320,000 | $ 160,000 | $ 56,000 |
| Dare County North Carolina | 2 | $ 2,920,000 | $ 1,460,000 | $ 184,000 |
| Mecklenburg County North Carolina | 2 | $ 590,000 | $ 295,000 | $ 108,000 |
| Beaufort County South Carolina | 2 | $ 870,000 | $ 435,000 | $ 157,000 |
| Caroline County Virginia | 2 | $ 310,000 | $ 155,000 | $ 41,000 |
| Franklin County Virginia | 2 | $ 890,000 | $ 445,000 | $ 125,000 |
| Montgomery County Virginia | 2 | $ 440,000 | $ 220,000 | $ 92,000 |
| Jefferson County Colorado | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Summit County Colorado | 1 | $ 65,000 | $ 65,000 | $ 205,000 |
| Hillsborough County Florida | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Marion County Florida | 1 | $ 65,000 | $ 65,000 | $ 208,000 |
| Martin County Florida | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Osceola County Florida | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Seminole County Florida | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Sumter County Florida | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Bryan County Georgia | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Cobb County Georgia | 1 | $ 145,000 | $ 145,000 | $ 197,000 |
| DeKalb County Georgia | 1 | $ 115,000 | $ 115,000 | $ 282,000 |
| Troup County Georgia | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Lafayette County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dorchester County Maryland | 1 | $ 1,055,000 | $ 1,055,000 | $ 206,000 |
| Durham County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Iredell County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Vance County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Wilson County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 783,000 |
| Cuyahoga County Ohio | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Portage County Ohio | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Adams County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Allegheny County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 500,000 |
| Bedford County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 220,000 |
| Franklin County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Perry County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 164,000 |
| York County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 407,000 |
| Dorchester County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Montgomery County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 238,000 |
| Sullivan County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Travis County Texas | 1 | $ 315,000 | $ 315,000 | $ 278,000 |
| Albemarle County Virginia | 1 | $ 425,000 | $ 425,000 | $ 278,000 |
| Charlottesville County Virginia | 1 | $ 265,000 | $ 265,000 | $ 189,000 |
| Chesapeake County Virginia | 1 | $ 325,000 | $ 325,000 | $ 162,000 |
| Chesterfield County Virginia | 1 | $ 415,000 | $ 415,000 | $ 185,000 |
| Clarke County Virginia | 1 | $ 585,000 | $ 585,000 | $ 284,000 |
| Fluvanna County Virginia | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Harrisonburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 402,000 |
| King George County Virginia | 1 | $ 435,000 | $ 435,000 | $ 75,000 |
| King William County Virginia | 1 | $ 305,000 | $ 305,000 | $ 101,000 |
| Northumberland County Virginia | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Rappahannock County Virginia | 1 | $ 705,000 | $ 705,000 | $ 172,000 |
| Roanoke County Virginia | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Roanoke City County Virginia | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Virginia Beach County Virginia | 1 | $ 445,000 | $ 445,000 | $ 175,000 |
| Jefferson County West Virginia | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Sandy Spring Bank in 2018
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 | 2,682 | $1,137,740,000 | $424,000 | $10,405,000 | $153,000 | $3,613,000 |
| Home Improvement | 836 | $120,400,000 | $144,000 | $2,235,000 | $180,000 | $2,088,000 |
| Refinancing | 465 | $223,955,000 | $481,000 | $7,105,000 | $189,000 | $1,088,000 |
| Other Purpose | 379 | $61,285,000 | $161,000 | $2,615,000 | $164,000 | $3,250,000 |
| Cash-out Refinancing | 245 | $76,295,000 | $311,000 | $1,235,000 | $170,000 | $1,242,000 |
| Not Applicable | 6 | $1,130,000 | $188,000 | $295,000 | $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 | 2,177 | $730,975,000 | $335,000 | $3,725,000 | $178,000 | $3,250,000 |
| Not Provided | 739 | $357,475,000 | $483,000 | $5,205,000 | $209,000 | $3,613,000 |
| Black or African American | 638 | $159,210,000 | $249,000 | $2,325,000 | $102,000 | $1,691,000 |
| Hispanic | 485 | $131,335,000 | $270,000 | $2,405,000 | $101,000 | $1,440,000 |
| Asian | 333 | $118,865,000 | $356,000 | $1,755,000 | $176,000 | $1,242,000 |
| Not applicable | 197 | $103,045,000 | $523,000 | $10,405,000 | $74,000 | $74,000 |
| American Indian or Alaskan Native | 19 | $3,985,000 | $209,000 | $605,000 | $115,000 | $319,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $850,000 | $425,000 | $445,000 | $97,000 | $106,000 |
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) | 4,160 | $1,463,780,000 | $351,000 | $10,405,000 | $171,000 | $3,613,000 |
| FHA-insured (Federal Housing Administration) | 297 | $89,155,000 | $300,000 | $695,000 | $81,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 140 | $64,260,000 | $459,000 | $1,255,000 | $127,000 | $419,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $3,610,000 | $225,000 | $345,000 | $67,000 | $101,000 |
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 | 3,022 | $1,091,850,000 | $361,000 | $10,405,000 | $164,000 | $3,613,000 |
| Application Denied By Financial Institution | 709 | $151,655,000 | $213,000 | $1,805,000 | $143,000 | $2,088,000 |
| Application Withdrawn By Applicant | 586 | $243,050,000 | $414,000 | $3,005,000 | $167,000 | $1,807,000 |
| File Closed For Incompleteness | 150 | $84,650,000 | $564,000 | $5,205,000 | $231,000 | $1,468,000 |
| Loan Purchased By The Institution | 76 | $31,380,000 | $412,000 | $835,000 | $140,000 | $317,000 |
| Application Approved But Not Accepted | 70 | $18,220,000 | $260,000 | $1,645,000 | $210,000 | $1,691,000 |
| 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 | 3,904 | $1,469,150,000 | $376,000 | $10,405,000 | $167,000 | $3,613,000 |
| Debt-To-Income Ratio | 286 | $73,270,000 | $256,000 | $1,805,000 | $99,000 | $357,000 |
| Credit History | 186 | $22,530,000 | $121,000 | $545,000 | $164,000 | $2,088,000 |
| Collateral | 140 | $29,390,000 | $209,000 | $1,195,000 | $180,000 | $713,000 |
| Unverifiable Information | 40 | $8,650,000 | $216,000 | $1,755,000 | $190,000 | $1,000,000 |
| Other | 25 | $8,195,000 | $327,000 | $1,505,000 | $185,000 | $644,000 |
| Credit Application Incomplete | 16 | $3,290,000 | $205,000 | $605,000 | $212,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $3,855,000 | $428,000 | $965,000 | $167,000 | $315,000 |
| Employment History | 7 | $2,475,000 | $353,000 | $885,000 | $71,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sandy Spring Bank's 2018 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 Sandy Spring 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.