Severn Savings Bank, Fsb Dba Severn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013

Severn Savings Bank, Fsb Dba Severn Bank 2013 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 Severn Savings Bank, Fsb Dba Severn Bank
200 Westgate Circle Suite 200
Annapolis, MD 21401
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 1,749
Total Mortgage Loan Application Amount $546,552,000
Average Mortgage Loan Application Amount $340,000
Highest Mortgage Loan Application Amount $3,700,000
Average Applicant Income $144,000
Highest Applicant Income $2,479,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Severn Savings Bank, Fsb Dba Severn 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 Severn Savings Bank, Fsb Dba Severn Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2013 breaks down Severn Savings Bank, Fsb Dba Severn 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 Severn Savings Bank, Fsb Dba Severn Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Severn Savings Bank, Fsb Dba Severn 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 Severn Savings Bank, Fsb Dba Severn Bank's mortgage activity for 2013.

Mortgage Loan Application Totals for Severn Savings Bank, Fsb Dba Severn Bank by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Anne Arundel County Maryland 428 $ 170,346,000 $ 398,000 $ 163,000
Prince George's County Maryland 105 $ 27,127,000 $ 258,000 $ 95,000
Montgomery County Maryland 95 $ 37,489,000 $ 394,000 $ 166,000
Baltimore County Maryland 82 $ 23,137,000 $ 282,000 $ 105,000
District of Columbia County District Of Columbia 81 $ 30,415,000 $ 375,000 $ 129,000
Fairfax County Virginia 64 $ 27,323,000 $ 426,000 $ 161,000
Howard County Maryland 51 $ 21,071,000 $ 413,000 $ 133,000
Harford County Maryland 48 $ 12,530,000 $ 261,000 $ 94,000
Baltimore City County Maryland 42 $ 7,826,000 $ 186,000 $ 109,000
Queen Anne's County Maryland 33 $ 12,047,000 $ 365,000 $ 111,000
Calvert County Maryland 30 $ 9,232,000 $ 307,000 $ 118,000
Frederick County Maryland 28 $ 9,753,000 $ 348,000 $ 128,000
Virginia Beach County Virginia 28 $ 6,940,000 $ 247,000 $ 76,000
Charles County Maryland 25 $ 7,852,000 $ 314,000 $ 149,000
Prince William County Virginia 25 $ 7,896,000 $ 315,000 $ 108,000
Worcester County Maryland 24 $ 5,601,000 $ 233,000 $ 110,000
Carroll County Maryland 23 $ 6,025,000 $ 261,000 $ 101,000
Chesterfield County Virginia 22 $ 4,683,000 $ 212,000 $ 106,000
St. Mary's County Maryland 20 $ 5,231,000 $ 261,000 $ 97,000
Sussex County Delaware 18 $ 4,327,000 $ 240,000 $ 131,000
Bucks County Pennsylvania 16 $ 3,749,000 $ 234,000 $ 80,000
Philadelphia County Pennsylvania 14 $ 2,228,000 $ 159,000 $ 64,000
York County Pennsylvania 14 $ 2,870,000 $ 205,000 $ 76,000
Washington County Maryland 13 $ 2,763,000 $ 212,000 $ 89,000
Delaware County Pennsylvania 13 $ 3,075,000 $ 236,000 $ 93,000
Loudoun County Virginia 13 $ 4,915,000 $ 378,000 $ 157,000
New Castle County Delaware 11 $ 2,045,000 $ 185,000 $ 78,000
Cecil County Maryland 11 $ 2,165,000 $ 196,000 $ 92,000
Allegheny County Pennsylvania 9 $ 1,170,000 $ 130,000 $ 74,000
Montgomery County Pennsylvania 9 $ 2,019,000 $ 224,000 $ 102,000
Northampton County Pennsylvania 9 $ 2,014,000 $ 223,000 $ 108,000
Chesapeake County Virginia 9 $ 2,334,000 $ 259,000 $ 119,000
Stafford County Virginia 9 $ 3,104,000 $ 344,000 $ 131,000
Talbot County Maryland 8 $ 3,053,000 $ 381,000 $ 148,000
Alexandria County Virginia 8 $ 4,103,000 $ 512,000 $ 233,000
Fauquier County Virginia 8 $ 2,979,000 $ 372,000 $ 146,000
Hanover County Virginia 8 $ 1,767,000 $ 220,000 $ 107,000
Wicomico County Maryland 7 $ 1,409,000 $ 201,000 $ 108,000
Accomack County Virginia 7 $ 1,434,000 $ 204,000 $ 93,000
Albemarle County Virginia 7 $ 1,627,000 $ 232,000 $ 72,000
Arlington County Virginia 7 $ 2,709,000 $ 387,000 $ 158,000
Augusta County Virginia 7 $ 1,451,000 $ 207,000 $ 92,000
Norfolk County Virginia 7 $ 1,819,000 $ 259,000 $ 81,000
Kent County Maryland 6 $ 1,614,000 $ 269,000 $ 90,000
Bedford County Virginia 6 $ 1,152,000 $ 192,000 $ 50,000
Henrico County Virginia 6 $ 1,296,000 $ 216,000 $ 56,000
Spotsylvania County Virginia 6 $ 1,691,000 $ 281,000 $ 138,000
York County Virginia 6 $ 1,769,000 $ 294,000 $ 80,000
Caroline County Maryland 5 $ 992,000 $ 198,000 $ 76,000
Garrett County Maryland 5 $ 1,024,000 $ 204,000 $ 77,000
Berks County Pennsylvania 5 $ 855,000 $ 171,000 $ 74,000
Chester County Pennsylvania 5 $ 1,313,000 $ 262,000 $ 142,000
Dauphin County Pennsylvania 5 $ 746,000 $ 149,000 $ 63,000
Lancaster County Pennsylvania 5 $ 1,092,000 $ 218,000 $ 77,000
Lehigh County Pennsylvania 5 $ 932,000 $ 186,000 $ 107,000
Frederick County Virginia 5 $ 1,019,000 $ 203,000 $ 114,000
Gloucester County Virginia 5 $ 900,000 $ 180,000 $ 58,000
Portsmouth County Virginia 5 $ 986,000 $ 197,000 $ 44,000
Pike County Pennsylvania 4 $ 962,000 $ 240,000 $ 129,000
James City County Virginia 4 $ 837,000 $ 209,000 $ 75,000
Roanoke County Virginia 4 $ 757,000 $ 189,000 $ 66,000
Shenandoah County Virginia 4 $ 847,000 $ 211,000 $ 97,000
Dorchester County Maryland 3 $ 418,000 $ 139,000 $ 53,000
Crawford County Pennsylvania 3 $ 459,000 $ 153,000 $ 76,000
Monroe County Pennsylvania 3 $ 467,000 $ 155,000 $ 70,000
Westmoreland County Pennsylvania 3 $ 474,000 $ 158,000 $ 80,000
Culpeper County Virginia 3 $ 758,000 $ 252,000 $ 54,000
Hampton County Virginia 3 $ 660,000 $ 220,000 $ 64,000
Louisa County Virginia 3 $ 976,000 $ 325,000 $ 206,000
Mathews County Virginia 3 $ 773,000 $ 257,000 $ 76,000
Page County Virginia 3 $ 684,000 $ 228,000 $ 133,000
Suffolk County Virginia 3 $ 839,000 $ 279,000 $ 105,000
Tazewell County Virginia 3 $ 558,000 $ 186,000 $ 80,000
Washington County Virginia 3 $ 470,000 $ 156,000 $ 50,000
Kent County Delaware 2 $ 474,000 $ 237,000 $ 80,000
Somerset County Maryland 2 $ 361,000 $ 180,000 $ 42,000
Middlesex County Massachusetts 2 $ 688,000 $ 344,000 $ 85,000
Mecklenburg County North Carolina 2 $ 1,333,000 $ 666,000 $ 245,000
Adams County Pennsylvania 2 $ 377,000 $ 188,000 $ 62,000
Blair County Pennsylvania 2 $ 122,000 $ 61,000 $ 15,000
Franklin County Pennsylvania 2 $ 258,000 $ 129,000 $ 39,000
Lackawanna County Pennsylvania 2 $ 221,000 $ 110,000 $ 57,000
Lebanon County Pennsylvania 2 $ 343,000 $ 171,000 $ 49,000
Luzerne County Pennsylvania 2 $ 555,000 $ 277,000 $ 160,000
Carroll County Virginia 2 $ 137,000 $ 68,000 $ 8,000
Charlottesville County Virginia 2 $ 445,000 $ 222,000 $ 87,000
Fairfax City County Virginia 2 $ 703,000 $ 351,000 $ 152,000
Isle of Wight County Virginia 2 $ 485,000 $ 242,000 $ 25,000
King George County Virginia 2 $ 721,000 $ 360,000 $ 308,000
Manassas Park County Virginia 2 $ 336,000 $ 168,000 $ 44,000
New Kent County Virginia 2 $ 574,000 $ 287,000 $ 92,000
Newport News County Virginia 2 $ 449,000 $ 224,000 $ 84,000
Nottoway County Virginia 2 $ 312,000 $ 156,000 $ 49,000
Pittsylvania County Virginia 2 $ 403,000 $ 201,000 $ 63,000
Powhatan County Virginia 2 $ 447,000 $ 223,000 $ 47,000
Prince George County Virginia 2 $ 417,000 $ 208,000 $ 83,000
Roanoke City County Virginia 2 $ 228,000 $ 114,000 $ 65,000
Southampton County Virginia 2 $ 467,000 $ 233,000 $ 73,000
Warren County Virginia 2 $ 416,000 $ 208,000 $ 78,000
Westmoreland County Virginia 2 $ 308,000 $ 154,000 $ 160,000
Berkeley County West Virginia 2 $ 327,000 $ 163,000 $ 47,000
Hardy County West Virginia 2 $ 344,000 $ 172,000 $ 149,000
Maricopa County Arizona 1 $ 109,000 $ 109,000 $ 0
Broward County Florida 1 $ 500,000 $ 500,000 $ 304,000
Charlotte County Florida 1 $ 168,000 $ 168,000 $ 140,000
Jackson County Florida 1 $ 121,000 $ 121,000 $ 114,000
Palm Beach County Florida 1 $ 77,000 $ 77,000 $ 132,000
Pinellas County Florida 1 $ 345,000 $ 345,000 $ 103,000
Sarasota County Florida 1 $ 128,000 $ 128,000 $ 118,000
Clayton County Georgia 1 $ 44,000 $ 44,000 $ 70,000
Jefferson County Louisiana 1 $ 187,000 $ 187,000 $ 21,000
Burlington County New Jersey 1 $ 198,000 $ 198,000 $ 112,000
Cape May County New Jersey 1 $ 259,000 $ 259,000 $ 130,000
Essex County New Jersey 1 $ 188,000 $ 188,000 $ 45,000
Passaic County New Jersey 1 $ 155,000 $ 155,000 $ 150,000
New York County New York 1 $ 229,000 $ 229,000 $ 179,000
Mahoning County Ohio 1 $ 68,000 $ 68,000 $ 33,000
Beaver County Pennsylvania 1 $ 296,000 $ 296,000 $ 307,000
Butler County Pennsylvania 1 $ 121,000 $ 121,000 $ 102,000
Cambria County Pennsylvania 1 $ 65,000 $ 65,000 $ 40,000
Carbon County Pennsylvania 1 $ 180,000 $ 180,000 $ 35,000
Cumberland County Pennsylvania 1 $ 150,000 $ 150,000 $ 228,000
Fayette County Pennsylvania 1 $ 100,000 $ 100,000 $ 72,000
Lycoming County Pennsylvania 1 $ 219,000 $ 219,000 $ 60,000
Mercer County Pennsylvania 1 $ 85,000 $ 85,000 $ 36,000
Potter County Pennsylvania 1 $ 201,000 $ 201,000 $ 111,000
Schuylkill County Pennsylvania 1 $ 106,000 $ 106,000 $ 130,000
Somerset County Pennsylvania 1 $ 247,000 $ 247,000 $ 99,000
Tioga County Pennsylvania 1 $ 153,000 $ 153,000 $ 144,000
Union County Pennsylvania 1 $ 128,000 $ 128,000 $ 68,000
Warren County Pennsylvania 1 $ 200,000 $ 200,000 $ 54,000
Washington County Pennsylvania 1 $ 121,000 $ 121,000 $ 37,000
Beaufort County South Carolina 1 $ 75,000 $ 75,000 $ 33,000
Horry County South Carolina 1 $ 106,000 $ 106,000 $ 129,000
Amelia County Virginia 1 $ 227,000 $ 227,000 $ 120,000
Appomattox County Virginia 1 $ 239,000 $ 239,000 $ 99,000
Bedford City County Virginia 1 $ 204,000 $ 204,000 $ 66,000
Botetourt County Virginia 1 $ 209,000 $ 209,000 $ 65,000
Buckingham County Virginia 1 $ 185,000 $ 185,000 $ 45,000
Campbell County Virginia 1 $ 141,000 $ 141,000 $ 130,000
Caroline County Virginia 1 $ 122,000 $ 122,000 $ 64,000
Clarke County Virginia 1 $ 380,000 $ 380,000 $ 123,000
Cumberland County Virginia 1 $ 153,000 $ 153,000 $ 62,000
Dinwiddie County Virginia 1 $ 225,000 $ 225,000 $ 120,000
Essex County Virginia 1 $ 216,000 $ 216,000 $ 44,000
Falls Church County Virginia 1 $ 342,000 $ 342,000 $ 65,000
Floyd County Virginia 1 $ 190,000 $ 190,000 $ 52,000
Fluvanna County Virginia 1 $ 380,000 $ 380,000 $ 0
Giles County Virginia 1 $ 166,000 $ 166,000 $ 90,000
Greene County Virginia 1 $ 228,000 $ 228,000 $ 95,000
Lee County Virginia 1 $ 187,000 $ 187,000 $ 73,000
Lexington County Virginia 1 $ 170,000 $ 170,000 $ 51,000
Madison County Virginia 1 $ 269,000 $ 269,000 $ 93,000
Manassas County Virginia 1 $ 225,000 $ 225,000 $ 263,000
Middlesex County Virginia 1 $ 311,000 $ 311,000 $ 129,000
Montgomery County Virginia 1 $ 159,000 $ 159,000 $ 187,000
Nelson County Virginia 1 $ 176,000 $ 176,000 $ 116,000
Northampton County Virginia 1 $ 294,000 $ 294,000 $ 164,000
Petersburg County Virginia 1 $ 164,000 $ 164,000 $ 81,000
Prince Edward County Virginia 1 $ 143,000 $ 143,000 $ 105,000
Pulaski County Virginia 1 $ 153,000 $ 153,000 $ 75,000
Rappahannock County Virginia 1 $ 355,000 $ 355,000 $ 53,000
Richmond City County Virginia 1 $ 165,000 $ 165,000 $ 86,000
Rockingham County Virginia 1 $ 73,000 $ 73,000 $ 29,000
Hampshire County West Virginia 1 $ 233,000 $ 233,000 $ 80,000
Jefferson County West Virginia 1 $ 265,000 $ 265,000 $ 160,000
Morgan County West Virginia 1 $ 50,000 $ 50,000 $ 91,000

Mortgage Loan Application Detail Totals for Severn Savings Bank, Fsb Dba Severn Bank in 2013

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 1,353 $384,146,000 $283,000 $2,066,000 $111,000 $720,000
Home Purchase 275 $130,513,000 $474,000 $3,700,000 $190,000 $2,479,000
Home Improvement 121 $31,893,000 $263,000 $2,006,000 $131,000 $2,229,000

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 1,176 $363,657,000 $309,000 $3,700,000 $127,000 $2,479,000
Not Provided 328 $103,746,000 $316,000 $2,006,000 $124,000 $902,000
Black or African American 147 $44,952,000 $305,000 $1,438,000 $101,000 $930,000
Hispanic 50 $18,349,000 $366,000 $3,450,000 $131,000 $720,000
Asian 45 $15,140,000 $336,000 $1,166,000 $127,000 $425,000
American Indian or Alaskan Native 1 $136,000 $136,000 $136,000 $65,000 $65,000
Native Hawaiian or Other Pacific Islander 1 $220,000 $220,000 $220,000 $92,000 $92,000
Not applicable 1 $352,000 $352,000 $352,000 $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) 1,398 $450,986,000 $322,000 $3,700,000 $135,000 $2,479,000
FHA-insured (Federal Housing Administration) 272 $71,732,000 $263,000 $716,000 $75,000 $300,000
VA-guaranteed (Veterans Administration) 79 $23,834,000 $301,000 $771,000 $103,000 $409,000
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 594 $204,230,000 $343,000 $3,700,000 $141,000 $2,479,000
File Closed For Incompleteness 400 $119,085,000 $297,000 $2,380,000 $123,000 $1,037,000
Application Denied By Financial Institution 390 $118,116,000 $302,000 $2,006,000 $101,000 $930,000
Application Withdrawn By Applicant 357 $102,768,000 $287,000 $1,640,000 $126,000 $617,000
Application Approved But Not Accepted 8 $2,353,000 $294,000 $674,000 $69,000 $155,000
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
Credit History 133 $36,686,000 $275,000 $1,438,000 $97,000 $431,000
Debt-To-Income Ratio 131 $40,771,000 $311,000 $1,250,000 $76,000 $902,000
Collateral 80 $27,763,000 $347,000 $2,006,000 $134,000 $536,000
Credit Application Incomplete 22 $5,144,000 $233,000 $417,000 $97,000 $435,000
Other 15 $4,135,000 $275,000 $495,000 $87,000 $171,000
Unverifiable Information 5 $2,817,000 $563,000 $890,000 $419,000 $930,000
Insufficient Cash (Downpayment, Closing Cost) 4 $800,000 $200,000 $295,000 $73,000 $163,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Severn Savings Bank, Fsb Dba Severn Bank's 2013 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 Severn Savings Bank, Fsb Dba Severn 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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