Sandy Spring Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Sandy Spring 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 | 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 | 4,800 |
| Total Mortgage Loan Application Amount | $1,811,780,000 |
| Average Mortgage Loan Application Amount | $297,666 |
| Highest Mortgage Loan Application Amount | $32,255,000 |
| Average Applicant Income | $146,000 |
| Highest Applicant Income | $5,825,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,035 | $ 392,225,000 | $ 378,000 | $ 179,000 |
| Prince George's County Maryland | 738 | $ 177,760,000 | $ 240,000 | $ 98,000 |
| District of Columbia County District Of Columbia | 637 | $ 333,625,000 | $ 523,000 | $ 169,000 |
| Fairfax County Virginia | 472 | $ 236,820,000 | $ 501,000 | $ 240,000 |
| Anne Arundel County Maryland | 313 | $ 98,285,000 | $ 314,000 | $ 187,000 |
| Howard County Maryland | 223 | $ 81,545,000 | $ 365,000 | $ 178,000 |
| Frederick County Maryland | 206 | $ 50,850,000 | $ 246,000 | $ 128,000 |
| Loudoun County Virginia | 181 | $ 64,905,000 | $ 358,000 | $ 168,000 |
| Prince William County Virginia | 123 | $ 42,985,000 | $ 349,000 | $ 132,000 |
| Arlington County Virginia | 114 | $ 70,950,000 | $ 622,000 | $ 241,000 |
| Baltimore County Maryland | 88 | $ 31,050,000 | $ 352,000 | $ 199,000 |
| Carroll County Maryland | 74 | $ 22,020,000 | $ 297,000 | $ 141,000 |
| Charles County Maryland | 74 | $ 21,070,000 | $ 284,000 | $ 96,000 |
| Alexandria County Virginia | 56 | $ 34,260,000 | $ 611,000 | $ 240,000 |
| Baltimore City County Maryland | 53 | $ 9,455,000 | $ 178,000 | $ 108,000 |
| Washington County Maryland | 28 | $ 5,800,000 | $ 207,000 | $ 107,000 |
| St. Mary's County Maryland | 23 | $ 6,265,000 | $ 272,000 | $ 142,000 |
| Harford County Maryland | 21 | $ 7,095,000 | $ 337,000 | $ 139,000 |
| Worcester County Maryland | 21 | $ 6,265,000 | $ 298,000 | $ 377,000 |
| Sussex County Delaware | 19 | $ 5,985,000 | $ 315,000 | $ 238,000 |
| Calvert County Maryland | 19 | $ 5,905,000 | $ 310,000 | $ 148,000 |
| Queen Anne's County Maryland | 17 | $ 9,455,000 | $ 556,000 | $ 479,000 |
| Fairfax City County Virginia | 17 | $ 7,475,000 | $ 439,000 | $ 204,000 |
| Garrett County Maryland | 11 | $ 4,135,000 | $ 375,000 | $ 253,000 |
| Stafford County Virginia | 11 | $ 3,085,000 | $ 280,000 | $ 107,000 |
| Spotsylvania County Virginia | 10 | $ 2,660,000 | $ 266,000 | $ 70,000 |
| Falls Church County Virginia | 9 | $ 8,485,000 | $ 942,000 | $ 371,000 |
| Richmond City County Virginia | 9 | $ 1,975,000 | $ 219,000 | $ 98,000 |
| Frederick County Virginia | 8 | $ 1,650,000 | $ 206,000 | $ 59,000 |
| Fauquier County Virginia | 7 | $ 1,725,000 | $ 246,000 | $ 146,000 |
| Henrico County Virginia | 6 | $ 2,450,000 | $ 408,000 | $ 229,000 |
| Orange County Florida | 5 | $ 1,745,000 | $ 349,000 | $ 290,000 |
| Palm Beach County Florida | 5 | $ 4,305,000 | $ 861,000 | $ 509,000 |
| Montgomery County Pennsylvania | 5 | $ 1,825,000 | $ 365,000 | $ 154,000 |
| Charleston County South Carolina | 5 | $ 3,885,000 | $ 777,000 | $ 219,000 |
| Winchester County Virginia | 5 | $ 2,845,000 | $ 569,000 | $ 48,000 |
| Jefferson County West Virginia | 5 | $ 1,445,000 | $ 289,000 | $ 112,000 |
| Hillsborough County Florida | 4 | $ 1,280,000 | $ 320,000 | $ 159,000 |
| Wicomico County Maryland | 4 | $ 530,000 | $ 132,000 | $ 99,000 |
| York County Pennsylvania | 4 | $ 620,000 | $ 155,000 | $ 106,000 |
| Manassas County Virginia | 4 | $ 1,610,000 | $ 402,000 | $ 99,000 |
| Warren County Virginia | 4 | $ 1,250,000 | $ 312,000 | $ 100,000 |
| Allegany County Maryland | 3 | $ 435,000 | $ 145,000 | $ 149,000 |
| Wake County North Carolina | 3 | $ 805,000 | $ 268,000 | $ 123,000 |
| Westmoreland County Pennsylvania | 3 | $ 675,000 | $ 225,000 | $ 132,000 |
| Albemarle County Virginia | 3 | $ 1,225,000 | $ 408,000 | $ 168,000 |
| King George County Virginia | 3 | $ 505,000 | $ 168,000 | $ 209,000 |
| Manassas Park County Virginia | 3 | $ 995,000 | $ 331,000 | $ 254,000 |
| Virginia Beach County Virginia | 3 | $ 1,035,000 | $ 345,000 | $ 146,000 |
| Westmoreland County Virginia | 3 | $ 635,000 | $ 211,000 | $ 138,000 |
| Berkeley County West Virginia | 3 | $ 685,000 | $ 228,000 | $ 67,000 |
| Jefferson County Colorado | 2 | $ 1,070,000 | $ 535,000 | $ 245,000 |
| Brevard County Florida | 2 | $ 480,000 | $ 240,000 | $ 131,000 |
| Broward County Florida | 2 | $ 540,000 | $ 270,000 | $ 175,000 |
| Collier County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 217,000 |
| Lake County Florida | 2 | $ 650,000 | $ 325,000 | $ 105,000 |
| Manatee County Florida | 2 | $ 860,000 | $ 430,000 | $ 363,000 |
| St. Johns County Florida | 2 | $ 3,760,000 | $ 1,880,000 | $ 1,412,000 |
| Fulton County Georgia | 2 | $ 840,000 | $ 420,000 | $ 156,000 |
| Caroline County Maryland | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Dorchester County Maryland | 2 | $ 640,000 | $ 320,000 | $ 133,000 |
| Kent County Maryland | 2 | $ 620,000 | $ 310,000 | $ 83,000 |
| Dare County North Carolina | 2 | $ 700,000 | $ 350,000 | $ 215,000 |
| Cuyahoga County Ohio | 2 | $ 620,000 | $ 310,000 | $ 132,000 |
| Lancaster County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 115,000 |
| Beaufort County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| Greenville County South Carolina | 2 | $ 1,840,000 | $ 920,000 | $ 246,000 |
| Accomack County Virginia | 2 | $ 260,000 | $ 130,000 | $ 235,000 |
| Chesapeake County Virginia | 2 | $ 370,000 | $ 185,000 | $ 49,000 |
| Louisa County Virginia | 2 | $ 1,050,000 | $ 525,000 | $ 277,000 |
| Shenandoah County Virginia | 2 | $ 920,000 | $ 460,000 | $ 309,000 |
| Adams County Colorado | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Denver County Colorado | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Grand County Colorado | 1 | $ 445,000 | $ 445,000 | $ 268,000 |
| Kent County Delaware | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Duval County Florida | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Escambia County Florida | 1 | $ 355,000 | $ 355,000 | $ 298,000 |
| Flagler County Florida | 1 | $ 485,000 | $ 485,000 | $ 302,000 |
| Monroe County Florida | 1 | $ 1,015,000 | $ 1,015,000 | $ 1,559,000 |
| Okaloosa County Florida | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Pasco County Florida | 1 | $ 245,000 | $ 245,000 | $ 214,000 |
| Sarasota County Florida | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Seminole County Florida | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Sumter County Florida | 1 | $ 305,000 | $ 305,000 | $ 510,000 |
| Volusia County Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Bibb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| DeKalb County Georgia | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Henry County Georgia | 1 | $ 355,000 | $ 355,000 | $ 123,000 |
| Newton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Talbot County Maryland | 1 | $ 165,000 | $ 165,000 | $ 262,000 |
| Barnstable County Massachusetts | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 173,000 |
| Buncombe County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Carteret County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Guilford County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Madison County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 167,000 |
| Mecklenburg County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 296,000 |
| Onslow County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Pender County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 800,000 |
| Portage County Ohio | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Summit County Ohio | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Chester County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 169,000 |
| Delaware County Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 237,000 |
| Franklin County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 221,000 |
| Philadelphia County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Washington County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 179,000 |
| Horry County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Laurens County South Carolina | 1 | $ 435,000 | $ 435,000 | $ 156,000 |
| Davidson County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Sullivan County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Washington County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Tarrant County Texas | 1 | $ 65,000 | $ 65,000 | $ 299,000 |
| Charlottesville County Virginia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Clarke County Virginia | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Culpeper County Virginia | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Fluvanna County Virginia | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Fredericksburg County Virginia | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Greene County Virginia | 1 | $ 175,000 | $ 175,000 | $ 220,000 |
| Hampton County Virginia | 1 | $ 165,000 | $ 165,000 | $ 186,000 |
| Hanover County Virginia | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Northampton County Virginia | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Orange County Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Hampshire County West Virginia | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Hardy County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Monongalia County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 185,000 |
| Morgan County West Virginia | 1 | $ 185,000 | $ 185,000 | $ 329,000 |
Mortgage Loan Application Detail Totals for Sandy Spring 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 | 2,374 | $968,470,000 | $407,000 | $32,255,000 | $150,000 | $5,120,000 |
| Refinancing | 1,171 | $589,765,000 | $503,000 | $3,505,000 | $198,000 | $1,534,000 |
| Home Improvement | 670 | $88,690,000 | $132,000 | $2,505,000 | $178,000 | $5,825,000 |
| Cash-out Refinancing | 349 | $132,675,000 | $380,000 | $2,185,000 | $189,000 | $3,000,000 |
| Other Purpose | 228 | $30,330,000 | $133,000 | $1,005,000 | $161,000 | $2,016,000 |
| Not Applicable | 8 | $1,850,000 | $231,000 | $325,000 | $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 | 2,285 | $884,265,000 | $386,000 | $4,415,000 | $194,000 | $5,825,000 |
| Black or African American | 1,053 | $278,395,000 | $264,000 | $2,105,000 | $107,000 | $1,205,000 |
| Not Provided | 600 | $296,830,000 | $494,000 | $2,455,000 | $208,000 | $1,559,000 |
| Asian | 432 | $149,150,000 | $345,000 | $2,255,000 | $156,000 | $1,920,000 |
| Hispanic | 279 | $87,285,000 | $312,000 | $2,455,000 | $135,000 | $5,120,000 |
| Not applicable | 122 | $105,350,000 | $863,000 | $32,255,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $4,920,000 | $273,000 | $855,000 | $193,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,805,000 | $361,000 | $795,000 | $186,000 | $368,000 |
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) | 4,271 | $1,617,355,000 | $378,000 | $32,255,000 | $177,000 | $5,825,000 |
| FHA-insured (Federal Housing Administration) | 344 | $111,660,000 | $324,000 | $735,000 | $101,000 | $1,205,000 |
| VA-guaranteed (Veterans Administration) | 181 | $81,835,000 | $452,000 | $1,245,000 | $116,000 | $316,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $930,000 | $232,000 | $275,000 | $72,000 | $107,000 |
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 | 3,356 | $1,294,400,000 | $385,000 | $32,255,000 | $170,000 | $5,825,000 |
| Application Withdrawn By Applicant | 729 | $307,205,000 | $421,000 | $3,005,000 | $167,000 | $3,000,000 |
| Application Denied By Financial Institution | 500 | $114,910,000 | $229,000 | $3,505,000 | $131,000 | $2,341,000 |
| File Closed For Incompleteness | 147 | $81,565,000 | $554,000 | $2,705,000 | $292,000 | $5,120,000 |
| Application Approved But Not Accepted | 59 | $11,525,000 | $195,000 | $645,000 | $180,000 | $837,000 |
| Loan Purchased By The Institution | 9 | $2,175,000 | $241,000 | $325,000 | $75,000 | $75,000 |
| 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 | 4,300 | $1,696,870,000 | $394,000 | $32,255,000 | $174,000 | $5,825,000 |
| Debt-To-Income Ratio | 191 | $49,505,000 | $259,000 | $2,105,000 | $92,000 | $349,000 |
| Credit History | 140 | $19,660,000 | $140,000 | $915,000 | $112,000 | $483,000 |
| Collateral | 105 | $26,795,000 | $255,000 | $1,445,000 | $215,000 | $2,341,000 |
| Other | 38 | $11,230,000 | $295,000 | $3,505,000 | $133,000 | $875,000 |
| Unverifiable Information | 13 | $1,875,000 | $144,000 | $505,000 | $166,000 | $719,000 |
| Credit Application Incomplete | 6 | $810,000 | $135,000 | $305,000 | $139,000 | $192,000 |
| Employment History | 5 | $4,395,000 | $879,000 | $2,255,000 | $289,000 | $1,056,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $640,000 | $320,000 | $345,000 | $90,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sandy Spring 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 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.