Severn Savings Bank, Fsb Dba Severn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Severn Savings Bank, Fsb Dba Severn Bank 2021 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 | 1,243 |
| Total Mortgage Loan Application Amount | $521,605,000 |
| Average Mortgage Loan Application Amount | $334,800 |
| Highest Mortgage Loan Application Amount | $12,245,000 |
| Average Applicant Income | $139,200 |
| Highest Applicant Income | $2,043,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 346 | $ 170,430,000 | $ 492,000 | $ 181,000 |
| Frederick County Maryland | 205 | $ 69,695,000 | $ 339,000 | $ 116,000 |
| Carroll County Maryland | 69 | $ 22,495,000 | $ 326,000 | $ 114,000 |
| Montgomery County Maryland | 69 | $ 34,505,000 | $ 500,000 | $ 160,000 |
| Baltimore County Maryland | 61 | $ 19,695,000 | $ 322,000 | $ 126,000 |
| Charles County Maryland | 44 | $ 19,650,000 | $ 446,000 | $ 153,000 |
| Prince George's County Maryland | 43 | $ 14,805,000 | $ 344,000 | $ 127,000 |
| Calvert County Maryland | 41 | $ 19,695,000 | $ 480,000 | $ 170,000 |
| Howard County Maryland | 34 | $ 13,520,000 | $ 397,000 | $ 130,000 |
| Washington County Maryland | 34 | $ 8,900,000 | $ 261,000 | $ 96,000 |
| Baltimore City County Maryland | 33 | $ 10,215,000 | $ 309,000 | $ 147,000 |
| Queen Anne's County Maryland | 27 | $ 11,985,000 | $ 443,000 | $ 169,000 |
| St. Mary's County Maryland | 21 | $ 9,945,000 | $ 473,000 | $ 186,000 |
| Harford County Maryland | 17 | $ 5,935,000 | $ 349,000 | $ 112,000 |
| Berkeley County West Virginia | 16 | $ 3,840,000 | $ 240,000 | $ 90,000 |
| Worcester County Maryland | 15 | $ 4,375,000 | $ 291,000 | $ 211,000 |
| Sussex County Delaware | 13 | $ 5,995,000 | $ 461,000 | $ 268,000 |
| Fairfax County Virginia | 9 | $ 11,675,000 | $ 1,297,000 | $ 498,000 |
| Caroline County Maryland | 8 | $ 2,520,000 | $ 315,000 | $ 134,000 |
| Adams County Pennsylvania | 8 | $ 1,950,000 | $ 243,000 | $ 129,000 |
| Jefferson County West Virginia | 8 | $ 2,620,000 | $ 327,000 | $ 115,000 |
| Arlington County Virginia | 7 | $ 5,765,000 | $ 823,000 | $ 227,000 |
| District of Columbia County District Of Columbia | 6 | $ 14,380,000 | $ 2,396,000 | $ 152,000 |
| Dorchester County Maryland | 5 | $ 855,000 | $ 171,000 | $ 97,000 |
| Franklin County Pennsylvania | 4 | $ 1,530,000 | $ 382,000 | $ 113,000 |
| York County Pennsylvania | 4 | $ 800,000 | $ 200,000 | $ 84,000 |
| Broward County Florida | 3 | $ 1,635,000 | $ 545,000 | $ 422,000 |
| Allegany County Maryland | 3 | $ 195,000 | $ 65,000 | $ 33,000 |
| Cecil County Maryland | 3 | $ 715,000 | $ 238,000 | $ 106,000 |
| Talbot County Maryland | 3 | $ 1,355,000 | $ 451,000 | $ 242,000 |
| Wicomico County Maryland | 3 | $ 445,000 | $ 148,000 | $ 39,000 |
| Loudoun County Virginia | 3 | $ 1,255,000 | $ 418,000 | $ 194,000 |
| Duval County Florida | 2 | $ 340,000 | $ 170,000 | $ 24,000 |
| Martin County Florida | 2 | $ 790,000 | $ 395,000 | $ 338,000 |
| Monroe County Florida | 2 | $ 1,340,000 | $ 670,000 | $ 418,000 |
| Pinellas County Florida | 2 | $ 700,000 | $ 350,000 | $ 132,000 |
| Garrett County Maryland | 2 | $ 1,320,000 | $ 660,000 | $ 250,000 |
| Accomack County Virginia | 2 | $ 580,000 | $ 290,000 | $ 79,000 |
| Alexandria County Virginia | 2 | $ 1,180,000 | $ 590,000 | $ 196,000 |
| Culpeper County Virginia | 2 | $ 530,000 | $ 265,000 | $ 76,000 |
| Henrico County Virginia | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Alameda County California | 1 | $ 475,000 | $ 475,000 | $ 149,000 |
| Nevada County California | 1 | $ 655,000 | $ 655,000 | $ 279,000 |
| Orange County California | 1 | $ 435,000 | $ 435,000 | $ 146,000 |
| Placer County California | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| San Diego County California | 1 | $ 525,000 | $ 525,000 | $ 134,000 |
| Kent County Delaware | 1 | $ 365,000 | $ 365,000 | $ 145,000 |
| Brevard County Florida | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Collier County Florida | 1 | $ 385,000 | $ 385,000 | $ 100,000 |
| Lee County Florida | 1 | $ 355,000 | $ 355,000 | $ 139,000 |
| Palm Beach County Florida | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Sarasota County Florida | 1 | $ 135,000 | $ 135,000 | $ 263,000 |
| St. Johns County Florida | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Bryan County Georgia | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Chatham County Georgia | 1 | $ 375,000 | $ 375,000 | $ 225,000 |
| Gwinnett County Georgia | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Floyd County Indiana | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Fayette County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 288,000 |
| Oxford County Maine | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Kent County Maryland | 1 | $ 245,000 | $ 245,000 | $ 49,000 |
| Somerset County Maryland | 1 | $ 265,000 | $ 265,000 | $ 56,000 |
| Essex County Massachusetts | 1 | $ 685,000 | $ 685,000 | $ 93,000 |
| Nantucket County Massachusetts | 1 | $ 1,805,000 | $ 1,805,000 | $ 468,000 |
| Plymouth County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 89,000 |
| Carson City County Nevada | 1 | $ 145,000 | $ 145,000 | $ 158,000 |
| Douglas County Nevada | 1 | $ 185,000 | $ 185,000 | $ 158,000 |
| Belknap County New Hampshire | 1 | $ 205,000 | $ 205,000 | $ 309,000 |
| Burlington County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Middlesex County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Monmouth County New Jersey | 1 | $ 735,000 | $ 735,000 | $ 225,000 |
| Erie County New York | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Nassau County New York | 1 | $ 715,000 | $ 715,000 | $ 415,000 |
| Suffolk County New York | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| Brunswick County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Currituck County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 1,295,000 |
| Dare County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 225,000 |
| New Hanover County North Carolina | 1 | $ 805,000 | $ 805,000 | $ 495,000 |
| Wake County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 249,000 |
| Montgomery County Ohio | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Summit County Ohio | 1 | $ 185,000 | $ 185,000 | $ 201,000 |
| Allegheny County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Lancaster County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Lehigh County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Montgomery County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 122,000 |
| Hampton County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Horry County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 183,000 |
| Caroline County Virginia | 1 | $ 315,000 | $ 315,000 | $ 259,000 |
| Chesterfield County Virginia | 1 | $ 355,000 | $ 355,000 | $ 112,000 |
| Fairfax City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Fluvanna County Virginia | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| Franklin County Virginia | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Hanover County Virginia | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| King George County Virginia | 1 | $ 435,000 | $ 435,000 | $ 81,000 |
| Manassas Park County Virginia | 1 | $ 375,000 | $ 375,000 | $ 74,000 |
| Mecklenburg County Virginia | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Newport News County Virginia | 1 | $ 255,000 | $ 255,000 | $ 45,000 |
| Stafford County Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 385,000 | $ 385,000 | $ 77,000 |
| Grant County West Virginia | 1 | $ 305,000 | $ 305,000 | $ 278,000 |
| Hampshire County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| Kanawha County West Virginia | 1 | $ 245,000 | $ 245,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Severn Savings Bank, Fsb Dba Severn 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 652 | $309,320,000 | $474,000 | $5,505,000 | $160,000 | $2,043,000 |
| Refinancing | 417 | $151,995,000 | $364,000 | $12,245,000 | $144,000 | $1,066,000 |
| Cash-out Refinancing | 168 | $58,800,000 | $350,000 | $1,285,000 | $146,000 | $729,000 |
| Other Purpose | 5 | $1,255,000 | $251,000 | $365,000 | $137,000 | $249,000 |
| Home Improvement | 1 | $235,000 | $235,000 | $235,000 | $109,000 | $109,000 |
| Not Applicable | 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 | 821 | $336,645,000 | $410,000 | $3,505,000 | $161,000 | $1,494,000 |
| Not Provided | 239 | $97,155,000 | $406,000 | $2,995,000 | $148,000 | $2,043,000 |
| Black or African American | 83 | $38,215,000 | $460,000 | $5,505,000 | $117,000 | $523,000 |
| Hispanic | 53 | $18,235,000 | $344,000 | $805,000 | $106,000 | $363,000 |
| Asian | 20 | $8,120,000 | $406,000 | $1,075,000 | $127,000 | $309,000 |
| Not applicable | 13 | $16,205,000 | $1,246,000 | $12,245,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $1,390,000 | $347,000 | $965,000 | $239,000 | $627,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $125,000 | $125,000 |
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) | 1,009 | $439,375,000 | $435,000 | $12,245,000 | $168,000 | $2,043,000 |
| FHA-insured (Federal Housing Administration) | 145 | $44,325,000 | $305,000 | $795,000 | $81,000 | $279,000 |
| VA-guaranteed (Veterans Administration) | 71 | $33,005,000 | $464,000 | $1,205,000 | $115,000 | $757,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $4,900,000 | $272,000 | $435,000 | $53,000 | $97,000 |
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 | 962 | $377,000,000 | $391,000 | $2,995,000 | $149,000 | $2,043,000 |
| Application Withdrawn By Applicant | 152 | $72,400,000 | $476,000 | $12,245,000 | $164,000 | $1,295,000 |
| File Closed For Incompleteness | 78 | $40,100,000 | $514,000 | $2,655,000 | $165,000 | $996,000 |
| Application Denied By Financial Institution | 46 | $28,620,000 | $622,000 | $5,505,000 | $147,000 | $523,000 |
| Application Approved But Not Accepted | 5 | $3,485,000 | $697,000 | $2,405,000 | $364,000 | $1,494,000 |
| 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 | 1,197 | $492,985,000 | $411,000 | $12,245,000 | $153,000 | $2,043,000 |
| Debt-To-Income Ratio | 19 | $13,305,000 | $700,000 | $5,505,000 | $117,000 | $523,000 |
| Collateral | 17 | $12,125,000 | $713,000 | $3,505,000 | $214,000 | $500,000 |
| Credit History | 6 | $1,700,000 | $283,000 | $455,000 | $96,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $760,000 | $380,000 | $415,000 | $86,000 | $92,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $118,000 | $118,000 |
| Employment History | 1 | $445,000 | $445,000 | $445,000 | $101,000 | $101,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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 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.