Severn Savings Bank, Fsb Dba Severn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Severn Savings Bank, Fsb Dba Severn 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 | 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 | 649 |
| Total Mortgage Loan Application Amount | $241,165,000 |
| Average Mortgage Loan Application Amount | $420,250 |
| Highest Mortgage Loan Application Amount | $3,955,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $2,158,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 214 | $ 92,600,000 | $ 432,000 | $ 173,000 |
| Frederick County Maryland | 91 | $ 27,405,000 | $ 301,000 | $ 118,000 |
| Montgomery County Maryland | 29 | $ 15,395,000 | $ 530,000 | $ 162,000 |
| Prince George's County Maryland | 29 | $ 8,195,000 | $ 282,000 | $ 95,000 |
| Washington County Maryland | 19 | $ 4,175,000 | $ 219,000 | $ 89,000 |
| District of Columbia County District Of Columbia | 15 | $ 9,665,000 | $ 644,000 | $ 152,000 |
| Baltimore City County Maryland | 15 | $ 3,115,000 | $ 207,000 | $ 117,000 |
| Baltimore County Maryland | 14 | $ 3,460,000 | $ 247,000 | $ 152,000 |
| Queen Anne's County Maryland | 14 | $ 8,020,000 | $ 572,000 | $ 272,000 |
| Howard County Maryland | 13 | $ 6,435,000 | $ 495,000 | $ 210,000 |
| Calvert County Maryland | 12 | $ 4,750,000 | $ 395,000 | $ 194,000 |
| Harford County Maryland | 11 | $ 3,275,000 | $ 297,000 | $ 122,000 |
| Fairfax County Virginia | 7 | $ 4,205,000 | $ 600,000 | $ 140,000 |
| Broward County Florida | 6 | $ 1,220,000 | $ 203,000 | $ 62,000 |
| Caroline County Maryland | 6 | $ 1,380,000 | $ 230,000 | $ 99,000 |
| Miami-Dade County Florida | 5 | $ 755,000 | $ 151,000 | $ 54,000 |
| Gwinnett County Georgia | 5 | $ 705,000 | $ 141,000 | $ 64,000 |
| Charles County Maryland | 5 | $ 2,015,000 | $ 403,000 | $ 149,000 |
| St. Mary's County Maryland | 5 | $ 1,705,000 | $ 341,000 | $ 126,000 |
| Talbot County Maryland | 5 | $ 2,285,000 | $ 457,000 | $ 161,000 |
| New Castle County Delaware | 4 | $ 960,000 | $ 240,000 | $ 126,000 |
| Sussex County Delaware | 4 | $ 1,450,000 | $ 362,000 | $ 111,000 |
| Cook County Illinois | 4 | $ 490,000 | $ 122,000 | $ 89,000 |
| Carroll County Maryland | 4 | $ 1,500,000 | $ 375,000 | $ 116,000 |
| Worcester County Maryland | 4 | $ 860,000 | $ 215,000 | $ 102,000 |
| Currituck County North Carolina | 4 | $ 4,400,000 | $ 1,100,000 | $ 0 |
| Mecklenburg County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 37,000 |
| Loudoun County Virginia | 4 | $ 4,160,000 | $ 1,040,000 | $ 240,000 |
| Los Angeles County California | 3 | $ 605,000 | $ 201,000 | $ 53,000 |
| Cleveland County North Carolina | 3 | $ 1,205,000 | $ 401,000 | $ 120,000 |
| Franklin County Pennsylvania | 3 | $ 695,000 | $ 231,000 | $ 71,000 |
| Montgomery County Pennsylvania | 3 | $ 895,000 | $ 298,000 | $ 264,000 |
| Berkeley County West Virginia | 3 | $ 725,000 | $ 241,000 | $ 65,000 |
| Maricopa County Arizona | 2 | $ 380,000 | $ 190,000 | $ 109,000 |
| San Joaquin County California | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Hillsborough County Florida | 2 | $ 320,000 | $ 160,000 | $ 42,000 |
| Palm Beach County Florida | 2 | $ 570,000 | $ 285,000 | $ 21,000 |
| Fulton County Georgia | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Newton County Georgia | 2 | $ 500,000 | $ 250,000 | $ 39,000 |
| Somerset County Maryland | 2 | $ 490,000 | $ 245,000 | $ 66,000 |
| Wicomico County Maryland | 2 | $ 250,000 | $ 125,000 | $ 121,000 |
| Burlington County New Jersey | 2 | $ 480,000 | $ 240,000 | $ 97,000 |
| Essex County New Jersey | 2 | $ 320,000 | $ 160,000 | $ 115,000 |
| Somerset County New Jersey | 2 | $ 910,000 | $ 455,000 | $ 137,000 |
| Queens County New York | 2 | $ 760,000 | $ 380,000 | $ 40,000 |
| Greenville County South Carolina | 2 | $ 340,000 | $ 170,000 | $ 104,000 |
| Caroline County Virginia | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Prince William County Virginia | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Jefferson County West Virginia | 2 | $ 580,000 | $ 290,000 | $ 100,000 |
| Baldwin County Alabama | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Alameda County California | 1 | $ 375,000 | $ 375,000 | $ 67,000 |
| San Bernardino County California | 1 | $ 385,000 | $ 385,000 | $ 72,000 |
| Kent County Delaware | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Duval County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Indian River County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Lake County Florida | 1 | $ 275,000 | $ 275,000 | $ 135,000 |
| Lee County Florida | 1 | $ 345,000 | $ 345,000 | $ 222,000 |
| Okaloosa County Florida | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Osceola County Florida | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 41,000 |
| Putnam County Florida | 1 | $ 385,000 | $ 385,000 | $ 288,000 |
| St. Lucie County Florida | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Clayton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| DeKalb County Georgia | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Richmond County Georgia | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Sedgwick County Kansas | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Henry County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| East Baton Rouge County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Dorchester County Maryland | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Garrett County Maryland | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Bergen County New Jersey | 1 | $ 365,000 | $ 365,000 | $ 172,000 |
| Hudson County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| Middlesex County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Westchester County New York | 1 | $ 295,000 | $ 295,000 | $ 121,000 |
| Brunswick County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Mitchell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 152,000 |
| Franklin County Ohio | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Allegheny County Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 209,000 |
| Butler County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Erie County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Mercer County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Monroe County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Perry County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Pike County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 27,000 |
| Charleston County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Horry County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 39,000 |
| Lexington County South Carolina | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Arlington County Virginia | 1 | $ 1,905,000 | $ 1,905,000 | $ 645,000 |
| Chesterfield County Virginia | 1 | $ 325,000 | $ 325,000 | $ 132,000 |
| Floyd County Virginia | 1 | $ 455,000 | $ 455,000 | $ 88,000 |
| Hanover County Virginia | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Henrico County Virginia | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Louisa County Virginia | 1 | $ 305,000 | $ 305,000 | $ 113,000 |
| Newport News County Virginia | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Petersburg County Virginia | 1 | $ 35,000 | $ 35,000 | $ 116,000 |
| Spotsylvania County Virginia | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Stafford County Virginia | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Morgan County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Severn Savings Bank, Fsb Dba Severn 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 | 359 | $141,015,000 | $392,000 | $3,055,000 | $150,000 | $2,158,000 |
| Refinancing | 134 | $48,760,000 | $363,000 | $2,575,000 | $140,000 | $710,000 |
| Cash-out Refinancing | 129 | $33,335,000 | $258,000 | $905,000 | $97,000 | $480,000 |
| Home Improvement | 27 | $18,055,000 | $668,000 | $3,955,000 | $193,000 | $897,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 315 | $127,075,000 | $403,000 | $3,955,000 | $161,000 | $2,158,000 |
| Not Provided | 169 | $58,075,000 | $343,000 | $2,575,000 | $126,000 | $1,064,000 |
| Black or African American | 105 | $33,385,000 | $317,000 | $2,145,000 | $103,000 | $645,000 |
| Not applicable | 27 | $11,425,000 | $423,000 | $1,205,000 | $0 | $0 |
| Hispanic | 23 | $7,565,000 | $328,000 | $1,755,000 | $115,000 | $420,000 |
| American Indian or Alaskan Native | 7 | $1,205,000 | $172,000 | $285,000 | $66,000 | $106,000 |
| Asian | 3 | $2,435,000 | $811,000 | $1,505,000 | $220,000 | $319,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 426 | $176,920,000 | $415,000 | $3,955,000 | $165,000 | $2,158,000 |
| FHA-insured (Federal Housing Administration) | 163 | $45,665,000 | $280,000 | $1,055,000 | $92,000 | $405,000 |
| VA-guaranteed (Veterans Administration) | 40 | $13,350,000 | $333,000 | $685,000 | $100,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $5,230,000 | $261,000 | $365,000 | $79,000 | $115,000 |
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 | 361 | $124,605,000 | $345,000 | $3,055,000 | $141,000 | $2,158,000 |
| Application Denied By Financial Institution | 102 | $41,600,000 | $407,000 | $3,955,000 | $119,000 | $897,000 |
| Application Withdrawn By Applicant | 95 | $37,585,000 | $395,000 | $2,575,000 | $143,000 | $434,000 |
| File Closed For Incompleteness | 90 | $37,180,000 | $413,000 | $2,975,000 | $149,000 | $1,367,000 |
| Application Approved But Not Accepted | 1 | $195,000 | $195,000 | $195,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 547 | $199,565,000 | $364,000 | $3,055,000 | $143,000 | $2,158,000 |
| Debt-To-Income Ratio | 42 | $19,680,000 | $468,000 | $3,955,000 | $95,000 | $897,000 |
| Credit History | 23 | $8,365,000 | $363,000 | $1,505,000 | $137,000 | $710,000 |
| Collateral | 19 | $7,345,000 | $386,000 | $1,305,000 | $145,000 | $254,000 |
| Other | 8 | $3,480,000 | $435,000 | $1,055,000 | $156,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,850,000 | $308,000 | $665,000 | $110,000 | $208,000 |
| Credit Application Incomplete | 2 | $450,000 | $225,000 | $275,000 | $60,000 | $73,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $184,000 | $184,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Severn Savings Bank, Fsb Dba Severn 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 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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.