Sandy Spring Bank Mortgage Lending & HMDA Data, 2021
In 2021, Sandy Spring Bank of Columbia, MD reported 7,039 mortgage applications totaling $3.0 billion, down 11% from 2020. The average application was for $431,185, and applicants reported an average income of $199,381. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (2,810), Washington-Baltimore-Arlington, DC (2,045) and Baltimore-Columbia-Towson, MD (1,689) (applications in parentheses).
| Mortgage Company & Address | Sandy Spring Bank 6831 Benjamin Frankin Drive Columbia, MD 21046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 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 | 7,039 |
| Total Mortgage Loan Application Amount | $3,035,115,000 |
| Average Mortgage Loan Application Amount | $431,185 |
| Highest Mortgage Loan Application Amount | $42,605,000 |
| Average Applicant Income | $199,381 |
| Highest Applicant Income | $7,555,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sandy Spring Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Maryland | 1,660 | $ 711,040,000 | $ 428,337 | $ 212,000 |
| District of Columbia, District Of Columbia | 679 | $ 369,125,000 | $ 543,630 | $ 204,000 |
| Fairfax, Virginia | 659 | $ 373,605,000 | $ 566,927 | $ 241,000 |
| Prince George's, Maryland | 583 | $ 175,055,000 | $ 300,265 | $ 119,000 |
| Anne Arundel, Maryland | 550 | $ 200,400,000 | $ 364,363 | $ 221,000 |
| Howard, Maryland | 402 | $ 167,180,000 | $ 415,870 | $ 240,000 |
| Frederick, Maryland | 385 | $ 125,965,000 | $ 327,181 | $ 154,000 |
| Baltimore, Maryland | 303 | $ 94,895,000 | $ 313,184 | $ 157,000 |
| Loudoun, Virginia | 272 | $ 113,040,000 | $ 415,588 | $ 219,000 |
| Baltimore City, Maryland | 238 | $ 80,540,000 | $ 338,403 | $ 96,000 |
| Arlington, Virginia | 156 | $ 115,640,000 | $ 741,282 | $ 308,000 |
| Prince William, Virginia | 155 | $ 56,105,000 | $ 361,967 | $ 144,000 |
| Carroll, Maryland | 110 | $ 37,520,000 | $ 341,090 | $ 154,000 |
| Charles, Maryland | 83 | $ 28,135,000 | $ 338,975 | $ 115,000 |
| Alexandria, Virginia | 80 | $ 34,960,000 | $ 437,000 | $ 191,000 |
| Harford, Maryland | 53 | $ 15,865,000 | $ 299,339 | $ 148,000 |
| Sussex, Delaware | 51 | $ 22,005,000 | $ 431,470 | $ 250,000 |
| Worcester, Maryland | 38 | $ 13,830,000 | $ 363,947 | $ 509,000 |
| Washington, Maryland | 34 | $ 11,910,000 | $ 350,294 | $ 129,000 |
| Calvert, Maryland | 33 | $ 10,575,000 | $ 320,454 | $ 167,000 |
| Queen Anne's, Maryland | 33 | $ 15,175,000 | $ 459,848 | $ 399,000 |
| St. Mary's, Maryland | 26 | $ 9,740,000 | $ 374,615 | $ 178,000 |
| Fauquier, Virginia | 19 | $ 10,415,000 | $ 548,157 | $ 192,000 |
| Stafford, Virginia | 19 | $ 6,375,000 | $ 335,526 | $ 116,000 |
| Garrett, Maryland | 18 | $ 8,500,000 | $ 472,222 | $ 255,000 |
| Fairfax City, Virginia | 15 | $ 7,145,000 | $ 476,333 | $ 196,000 |
| Henrico, Virginia | 13 | $ 6,275,000 | $ 482,692 | $ 167,000 |
| Chesterfield, Virginia | 12 | $ 3,790,000 | $ 315,833 | $ 92,000 |
| Falls Church, Virginia | 12 | $ 7,830,000 | $ 652,500 | $ 236,000 |
| Talbot, Maryland | 11 | $ 3,765,000 | $ 342,272 | $ 219,000 |
| Palm Beach, Florida | 10 | $ 14,010,000 | $ 1,401,000 | $ 456,000 |
| Spotsylvania, Virginia | 9 | $ 2,205,000 | $ 245,000 | $ 172,000 |
| Broward, Florida | 8 | $ 2,560,000 | $ 320,000 | $ 228,000 |
| Albemarle, Virginia | 8 | $ 1,790,000 | $ 223,750 | $ 130,000 |
| Manassas, Virginia | 8 | $ 2,180,000 | $ 272,500 | $ 82,000 |
| Jefferson, West Virginia | 8 | $ 2,300,000 | $ 287,500 | $ 109,000 |
| Miami-Dade, Florida | 7 | $ 5,095,000 | $ 727,857 | $ 392,000 |
| Kent, Maryland | 7 | $ 3,555,000 | $ 507,857 | $ 249,000 |
| Berkeley, West Virginia | 7 | $ 1,595,000 | $ 227,857 | $ 201,000 |
| Monroe, Florida | 6 | $ 5,320,000 | $ 886,666 | $ 379,000 |
| Orange, Florida | 6 | $ 1,960,000 | $ 326,666 | $ 142,000 |
| Fulton, Georgia | 6 | $ 3,180,000 | $ 530,000 | $ 233,000 |
| Manassas Park, Virginia | 6 | $ 1,800,000 | $ 300,000 | $ 92,000 |
| Collier, Florida | 5 | $ 5,315,000 | $ 1,063,000 | $ 957,000 |
| Hillsborough, Florida | 5 | $ 1,295,000 | $ 259,000 | $ 184,000 |
| Wicomico, Maryland | 5 | $ 1,085,000 | $ 217,000 | $ 100,000 |
| Dare, North Carolina | 5 | $ 3,315,000 | $ 663,000 | $ 185,000 |
| Durham, North Carolina | 5 | $ 885,000 | $ 177,000 | $ 219,000 |
| Culpeper, Virginia | 5 | $ 1,695,000 | $ 339,000 | $ 221,000 |
| Lee, Florida | 4 | $ 1,900,000 | $ 475,000 | $ 2,155,000 |
| Cecil, Maryland | 4 | $ 1,620,000 | $ 405,000 | $ 98,000 |
| Brunswick, North Carolina | 4 | $ 980,000 | $ 245,000 | $ 190,000 |
| Wake, North Carolina | 4 | $ 1,560,000 | $ 390,000 | $ 130,000 |
| Cuyahoga, Ohio | 4 | $ 510,000 | $ 127,500 | $ 141,000 |
| Philadelphia, Pennsylvania | 4 | $ 1,070,000 | $ 267,500 | $ 283,000 |
| Frederick, Virginia | 4 | $ 890,000 | $ 222,500 | $ 110,000 |
| Fredericksburg, Virginia | 4 | $ 1,130,000 | $ 282,500 | $ 99,000 |
| Orange, Virginia | 4 | $ 1,910,000 | $ 477,500 | $ 130,000 |
| Jefferson, Colorado | 3 | $ 1,585,000 | $ 528,333 | $ 181,000 |
| Pinellas, Florida | 3 | $ 765,000 | $ 255,000 | $ 545,000 |
| Seminole, Florida | 3 | $ 615,000 | $ 205,000 | $ 111,000 |
| St. Johns, Florida | 3 | $ 925,000 | $ 308,333 | $ 108,000 |
| York, Pennsylvania | 3 | $ 715,000 | $ 238,333 | $ 86,000 |
| Horry, South Carolina | 3 | $ 905,000 | $ 301,666 | $ 97,000 |
| Davidson, Tennessee | 3 | $ 53,255,000 | $ 17,751,666 | $ 46,000 |
| Lexington, Virginia | 3 | $ 585,000 | $ 195,000 | $ 118,000 |
| Louisa, Virginia | 3 | $ 785,000 | $ 261,666 | $ 262,000 |
| Richmond City, Virginia | 3 | $ 815,000 | $ 271,666 | $ 221,000 |
| Shenandoah, Virginia | 3 | $ 1,045,000 | $ 348,333 | $ 186,000 |
| Virginia Beach, Virginia | 3 | $ 985,000 | $ 328,333 | $ 109,000 |
| Warren, Virginia | 3 | $ 785,000 | $ 261,666 | $ 124,000 |
| New Castle, Delaware | 2 | $ 710,000 | $ 355,000 | $ 118,000 |
| Duval, Florida | 2 | $ 550,000 | $ 275,000 | $ 107,000 |
| Manatee, Florida | 2 | $ 570,000 | $ 285,000 | $ 179,000 |
| Okaloosa, Florida | 2 | $ 750,000 | $ 375,000 | $ 87,000 |
| Sarasota, Florida | 2 | $ 1,040,000 | $ 520,000 | $ 387,000 |
| Sumter, Florida | 2 | $ 480,000 | $ 240,000 | $ 168,000 |
| Clarke, Georgia | 2 | $ 380,000 | $ 190,000 | $ 91,000 |
| Cobb, Georgia | 2 | $ 520,000 | $ 260,000 | $ 116,000 |
| Cumberland, North Carolina | 2 | $ 15,410,000 | $ 7,705,000 | $ 0 |
| Currituck, North Carolina | 2 | $ 1,250,000 | $ 625,000 | $ 389,000 |
| Guilford, North Carolina | 2 | $ 220,000 | $ 110,000 | $ 129,000 |
| Mecklenburg, North Carolina | 2 | $ 620,000 | $ 310,000 | $ 91,000 |
| Adams, Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 151,000 |
| Allegheny, Pennsylvania | 2 | $ 500,000 | $ 250,000 | $ 97,000 |
| Bucks, Pennsylvania | 2 | $ 780,000 | $ 390,000 | $ 111,000 |
| Chester, Pennsylvania | 2 | $ 1,020,000 | $ 510,000 | $ 167,000 |
| Montgomery, Pennsylvania | 2 | $ 480,000 | $ 240,000 | $ 69,000 |
| Greenville, South Carolina | 2 | $ 680,000 | $ 340,000 | $ 349,000 |
| Clarke, Virginia | 2 | $ 410,000 | $ 205,000 | $ 203,000 |
| Franklin, Virginia | 2 | $ 1,090,000 | $ 545,000 | $ 338,000 |
| Hampton, Virginia | 2 | $ 330,000 | $ 165,000 | $ 136,000 |
| Newport News, Virginia | 2 | $ 220,000 | $ 110,000 | $ 126,000 |
| Northumberland, Virginia | 2 | $ 1,100,000 | $ 550,000 | $ 570,000 |
| Rockingham, Virginia | 2 | $ 720,000 | $ 360,000 | $ 255,000 |
| Winchester, Virginia | 2 | $ 3,180,000 | $ 1,590,000 | $ 269,000 |
| York, Virginia | 2 | $ 850,000 | $ 425,000 | $ 179,000 |
| Greenbrier, West Virginia | 2 | $ 370,000 | $ 185,000 | $ 47,000 |
| Mineral, West Virginia | 2 | $ 260,000 | $ 130,000 | $ 101,000 |
| Morgan, West Virginia | 2 | $ 330,000 | $ 165,000 | $ 201,000 |
| Arapahoe, Colorado | 1 | $ 455,000 | $ 455,000 | $ 145,000 |
| Boulder, Colorado | 1 | $ 405,000 | $ 405,000 | $ 65,000 |
| Delta, Colorado | 1 | $ 455,000 | $ 455,000 | $ 85,000 |
| Eagle, Colorado | 1 | $ 265,000 | $ 265,000 | $ 225,000 |
| El Paso, Colorado | 1 | $ 195,000 | $ 195,000 | $ 294,000 |
| Garfield, Colorado | 1 | $ 645,000 | $ 645,000 | $ 129,000 |
| Teller, Colorado | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Weld, Colorado | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Alachua, Florida | 1 | $ 675,000 | $ 675,000 | $ 202,000 |
| Clay, Florida | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Escambia, Florida | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Lake, Florida | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Marion, Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Polk, Florida | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
| St. Lucie, Florida | 1 | $ 275,000 | $ 275,000 | $ 211,000 |
| Volusia, Florida | 1 | $ 645,000 | $ 645,000 | $ 254,000 |
| DeKalb, Georgia | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| Forsyth, Georgia | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Henry, Georgia | 1 | $ 355,000 | $ 355,000 | $ 133,000 |
| Allegany, Maryland | 1 | $ 135,000 | $ 135,000 | $ 122,000 |
| Caroline, Maryland | 1 | $ 375,000 | $ 375,000 | $ 70,000 |
| Dorchester, Maryland | 1 | $ 565,000 | $ 565,000 | $ 247,000 |
| New York, New York | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Alexander, North Carolina | 1 | $ 795,000 | $ 795,000 | $ 218,000 |
| Cabarrus, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Cleveland, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Craven, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Henderson, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 264,000 |
| Johnston, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 230,000 |
| Lenoir, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 275,000 |
| Onslow, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pasquotank, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| Rowan, North Carolina | 1 | $ 715,000 | $ 715,000 | $ 201,000 |
| Wilson, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 277,000 |
| Butler, Ohio | 1 | $ 345,000 | $ 345,000 | $ 199,000 |
| Delaware, Ohio | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Greene, Ohio | 1 | $ 405,000 | $ 405,000 | $ 177,000 |
| Hamilton, Ohio | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Montgomery, Ohio | 1 | $ 435,000 | $ 435,000 | $ 184,000 |
| Berks, Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 159,000 |
| Centre, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 226,000 |
| Cumberland, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Delaware, Pennsylvania | 1 | $ 785,000 | $ 785,000 | $ 155,000 |
| Lackawanna, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Lancaster, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 177,000 |
| Lebanon, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 94,000 |
| Lehigh, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Monroe, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Northampton, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Washington, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 240,000 |
| Beaufort, South Carolina | 1 | $ 505,000 | $ 505,000 | $ 159,000 |
| Charleston, South Carolina | 1 | $ 645,000 | $ 645,000 | $ 906,000 |
| Dorchester, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Florence, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Georgetown, South Carolina | 1 | $ 485,000 | $ 485,000 | $ 217,000 |
| Lancaster, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Pickens, South Carolina | 1 | $ 495,000 | $ 495,000 | $ 110,000 |
| Richland, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| York, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 135,000 |
| Hamilton, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Sullivan, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
| Accomack, Virginia | 1 | $ 95,000 | $ 95,000 | $ 243,000 |
| Augusta, Virginia | 1 | $ 275,000 | $ 275,000 | $ 300,000 |
| Bedford, Virginia | 1 | $ 355,000 | $ 355,000 | $ 189,000 |
| Charlottesville, Virginia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Goochland, Virginia | 1 | $ 435,000 | $ 435,000 | $ 115,000 |
| Greene, Virginia | 1 | $ 215,000 | $ 215,000 | $ 225,000 |
| James City, Virginia | 1 | $ 375,000 | $ 375,000 | $ 86,000 |
| Middlesex, Virginia | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Norfolk, Virginia | 1 | $ 555,000 | $ 555,000 | $ 253,000 |
| Petersburg, Virginia | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Portsmouth, Virginia | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Staunton, Virginia | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Westmoreland, Virginia | 1 | $ 305,000 | $ 305,000 | $ 194,000 |
| Monongalia, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Monroe, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sandy Spring Bank in 2021
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 | 2,710 | $1,288,030,000 | $475,000 | $34,085,000 | $222,000 | $7,555,000 |
| Home Purchase | 2,436 | $1,241,860,000 | $509,000 | $42,605,000 | $172,000 | $4,959,000 |
| Cash-out Refinancing | 828 | $320,950,000 | $387,000 | $2,005,000 | $178,000 | $3,390,000 |
| Home Improvement | 809 | $138,125,000 | $170,000 | $1,445,000 | $213,000 | $2,831,000 |
| Other Purpose | 250 | $44,710,000 | $178,000 | $1,005,000 | $251,000 | $3,338,000 |
| Not Applicable | 6 | $1,440,000 | $240,000 | $285,000 | $64,000 | $64,000 |
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 | 3,502 | $1,464,020,000 | $418,000 | $4,505,000 | $226,000 | $7,555,000 |
| Black or African American | 1,278 | $410,640,000 | $321,000 | $1,605,000 | $136,000 | $1,864,000 |
| Not Provided | 840 | $404,420,000 | $481,000 | $7,685,000 | $217,000 | $2,472,000 |
| Asian | 712 | $339,140,000 | $476,000 | $3,305,000 | $196,000 | $1,698,000 |
| Hispanic | 489 | $189,875,000 | $388,000 | $2,765,000 | $153,000 | $1,743,000 |
| Not applicable | 172 | $211,260,000 | $1,228,000 | $42,605,000 | $0 | $0 |
| American Indian or Alaskan Native | 33 | $11,405,000 | $345,000 | $1,155,000 | $238,000 | $749,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $4,285,000 | $389,000 | $925,000 | $158,000 | $527,000 |
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) | 6,475 | $2,827,365,000 | $436,000 | $42,605,000 | $208,000 | $7,555,000 |
| FHA-insured (Federal Housing Administration) | 394 | $125,770,000 | $319,000 | $1,065,000 | $85,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 164 | $80,130,000 | $488,000 | $1,445,000 | $137,000 | $443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,850,000 | $308,000 | $455,000 | $72,000 | $94,000 |
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 | 5,355 | $2,330,965,000 | $435,000 | $42,605,000 | $202,000 | $6,287,000 |
| Application Withdrawn By Applicant | 689 | $323,845,000 | $470,000 | $2,755,000 | $198,000 | $3,390,000 |
| Application Denied By Financial Institution | 608 | $208,150,000 | $342,000 | $4,505,000 | $161,000 | $1,800,000 |
| File Closed For Incompleteness | 273 | $137,695,000 | $504,000 | $2,765,000 | $243,000 | $7,555,000 |
| Application Approved But Not Accepted | 107 | $32,635,000 | $305,000 | $3,155,000 | $206,000 | $1,294,000 |
| Loan Purchased By The Institution | 7 | $1,825,000 | $260,000 | $455,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,431 | $2,826,965,000 | $439,000 | $42,605,000 | $203,000 | $7,555,000 |
| Debt-To-Income Ratio | 229 | $97,725,000 | $426,000 | $4,505,000 | $96,000 | $477,000 |
| Collateral | 161 | $51,235,000 | $318,000 | $1,965,000 | $210,000 | $1,366,000 |
| Credit History | 141 | $34,595,000 | $245,000 | $3,305,000 | $163,000 | $1,800,000 |
| Other | 36 | $12,970,000 | $360,000 | $1,505,000 | $208,000 | $724,000 |
| Unverifiable Information | 21 | $5,915,000 | $281,000 | $765,000 | $287,000 | $1,743,000 |
| Credit Application Incomplete | 12 | $2,600,000 | $216,000 | $505,000 | $267,000 | $743,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,540,000 | $256,000 | $345,000 | $63,000 | $74,000 |
| Employment History | 2 | $1,570,000 | $785,000 | $1,025,000 | $171,000 | $290,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sandy Spring Bank's 2021 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.
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