Santander Bank, N.A. Mortgage Lending & HMDA Data, 2019

In 2019, Santander Bank, N.A. of Wilmington, DE reported 31,629 mortgage applications totaling $9.6 billion, down 7% from 2018. The average application was for $302,246, and applicants reported an average income of $138,247. 56% of its applications resulted in an originated loan and 35% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (4,730), New York-Newark, NY (3,781) and Cambridge-Newton-Framingham, MA (3,461) (applications in parentheses).

Mortgage Company & Address Santander Bank, N.A.
824 North Market Street, Suite 100
Wilmington, DE 19801
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  
Total Number of Mortgage Applications 31,629
Total Mortgage Loan Application Amount $9,559,765,000
Average Mortgage Loan Application Amount $302,246
Highest Mortgage Loan Application Amount $50,005,000
Average Applicant Income $138,247
Highest Applicant Income $7,782,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Santander Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Santander Bank, N.A. by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Middlesex, Massachusetts 2,107 $ 679,045,000 $ 322,280 $ 153,000
Essex, Massachusetts 1,354 $ 328,030,000 $ 242,267 $ 121,000
Monmouth, New Jersey 1,310 $ 312,930,000 $ 238,877 $ 157,000
Richmond, New York 1,281 $ 354,015,000 $ 276,358 $ 127,000
Kings, New York 1,276 $ 932,520,000 $ 730,815 $ 186,000
Ocean, New Jersey 1,258 $ 254,450,000 $ 202,265 $ 122,000
Norfolk, Massachusetts 1,087 $ 359,095,000 $ 330,354 $ 172,000
Providence, Rhode Island 1,005 $ 149,335,000 $ 148,592 $ 91,000
Philadelphia, Pennsylvania 998 $ 280,690,000 $ 281,252 $ 92,000
Worcester, Massachusetts 993 $ 182,285,000 $ 183,569 $ 112,000
Suffolk, Massachusetts 953 $ 295,045,000 $ 309,596 $ 136,000
Plymouth, Massachusetts 936 $ 197,360,000 $ 210,854 $ 142,000
Middlesex, New Jersey 916 $ 179,950,000 $ 196,451 $ 108,000
Bristol, Massachusetts 910 $ 151,380,000 $ 166,351 $ 108,000
Berks, Pennsylvania 688 $ 81,650,000 $ 118,677 $ 94,000
Queens, New York 683 $ 361,185,000 $ 528,821 $ 150,000
Montgomery, Pennsylvania 618 $ 158,710,000 $ 256,812 $ 152,000
Union, New Jersey 611 $ 153,355,000 $ 250,990 $ 122,000
Hartford, Connecticut 551 $ 93,555,000 $ 169,791 $ 114,000
Bucks, Pennsylvania 523 $ 181,345,000 $ 346,739 $ 167,000
Mercer, New Jersey 507 $ 96,705,000 $ 190,739 $ 134,000
Delaware, Pennsylvania 498 $ 116,390,000 $ 233,714 $ 152,000
Essex, New Jersey 461 $ 131,145,000 $ 284,479 $ 145,000
Barnstable, Massachusetts 421 $ 99,445,000 $ 236,211 $ 168,000
Chester, Pennsylvania 420 $ 134,650,000 $ 320,595 $ 176,000
Nassau, New York 403 $ 199,215,000 $ 494,330 $ 223,000
Bergen, New Jersey 386 $ 129,560,000 $ 335,647 $ 173,000
Rockingham, New Hampshire 374 $ 72,320,000 $ 193,368 $ 121,000
Morris, New Jersey 330 $ 116,820,000 $ 354,000 $ 159,000
Hudson, New Jersey 308 $ 94,520,000 $ 306,883 $ 141,000
Kent, Rhode Island 284 $ 42,260,000 $ 148,802 $ 104,000
Hillsborough, New Hampshire 277 $ 44,535,000 $ 160,776 $ 117,000
York, Pennsylvania 273 $ 28,585,000 $ 104,706 $ 85,000
Northampton, Pennsylvania 271 $ 31,285,000 $ 115,442 $ 89,000
Lancaster, Pennsylvania 259 $ 31,925,000 $ 123,262 $ 96,000
Camden, New Jersey 247 $ 50,245,000 $ 203,421 $ 88,000
Somerset, New Jersey 227 $ 66,245,000 $ 291,828 $ 185,000
Burlington, New Jersey 220 $ 56,160,000 $ 255,272 $ 98,000
New York, New York 217 $ 479,155,000 $ 2,208,087 $ 261,000
Schuylkill, Pennsylvania 216 $ 20,770,000 $ 96,157 $ 75,000
Lehigh, Pennsylvania 205 $ 42,325,000 $ 206,463 $ 117,000
Cumberland, Pennsylvania 195 $ 23,415,000 $ 120,076 $ 77,000
Suffolk, New York 185 $ 60,305,000 $ 325,972 $ 195,000
Bronx, New York 180 $ 304,860,000 $ 1,693,666 $ 101,000
Dauphin, Pennsylvania 174 $ 19,910,000 $ 114,425 $ 75,000
Westchester, New York 166 $ 96,170,000 $ 579,337 $ 212,000
Washington, Rhode Island 160 $ 33,590,000 $ 209,937 $ 184,000
New Haven, Connecticut 158 $ 47,420,000 $ 300,126 $ 88,000
Fairfield, Connecticut 141 $ 69,855,000 $ 495,425 $ 336,000
Dukes, Massachusetts 131 $ 54,775,000 $ 418,129 $ 235,000
Newport, Rhode Island 124 $ 36,430,000 $ 293,790 $ 165,000
New Castle, Delaware 123 $ 70,325,000 $ 571,747 $ 118,000
Passaic, New Jersey 120 $ 28,660,000 $ 238,833 $ 131,000
Lycoming, Pennsylvania 113 $ 11,075,000 $ 98,008 $ 83,000
Bristol, Rhode Island 110 $ 24,310,000 $ 221,000 $ 147,000
Rockland, New York 102 $ 34,160,000 $ 334,901 $ 215,000
Sussex, New Jersey 97 $ 13,205,000 $ 136,134 $ 94,000
Lebanon, Pennsylvania 90 $ 8,970,000 $ 99,666 $ 72,000
Clinton, Pennsylvania 87 $ 5,985,000 $ 68,793 $ 59,000
Hampden, Massachusetts 77 $ 22,155,000 $ 287,727 $ 83,000
Gloucester, New Jersey 69 $ 27,315,000 $ 395,869 $ 114,000
Montgomery, Maryland 61 $ 87,865,000 $ 1,440,409 $ 293,000
Albany, New York 61 $ 12,565,000 $ 205,983 $ 109,000
Saratoga, New York 60 $ 15,550,000 $ 259,166 $ 117,000
Cape May, New Jersey 59 $ 21,475,000 $ 363,983 $ 238,000
Orange, New York 59 $ 13,105,000 $ 222,118 $ 180,000
Merrimack, New Hampshire 54 $ 7,200,000 $ 133,333 $ 107,000
Erie, New York 53 $ 8,295,000 $ 156,509 $ 106,000
Atlantic, New Jersey 51 $ 11,835,000 $ 232,058 $ 229,000
Tolland, Connecticut 48 $ 7,150,000 $ 148,958 $ 106,000
Anne Arundel, Maryland 44 $ 29,070,000 $ 660,681 $ 251,000
District of Columbia, District Of Columbia 40 $ 26,820,000 $ 670,500 $ 263,000
Hunterdon, New Jersey 40 $ 8,270,000 $ 206,750 $ 137,000
Schenectady, New York 39 $ 6,745,000 $ 172,948 $ 117,000
Monroe, Pennsylvania 38 $ 23,670,000 $ 622,894 $ 123,000
Baltimore, Maryland 36 $ 89,570,000 $ 2,488,055 $ 197,000
Warren, New Jersey 36 $ 4,620,000 $ 128,333 $ 113,000
Centre, Pennsylvania 36 $ 5,520,000 $ 153,333 $ 125,000
Litchfield, Connecticut 35 $ 5,695,000 $ 162,714 $ 121,000
Northumberland, Pennsylvania 33 $ 2,725,000 $ 82,575 $ 57,000
Fairfax, Virginia 28 $ 19,680,000 $ 702,857 $ 286,000
Sussex, Delaware 27 $ 11,295,000 $ 418,333 $ 326,000
Rensselaer, New York 27 $ 4,995,000 $ 185,000 $ 113,000
New London, Connecticut 25 $ 4,965,000 $ 198,600 $ 179,000
Grafton, New Hampshire 25 $ 5,185,000 $ 207,400 $ 254,000
Berkshire, Massachusetts 24 $ 6,830,000 $ 284,583 $ 149,000
Windham, Connecticut 23 $ 2,715,000 $ 118,043 $ 123,000
Howard, Maryland 22 $ 12,430,000 $ 565,000 $ 241,000
Middlesex, Connecticut 21 $ 3,905,000 $ 185,952 $ 138,000
Monroe, New York 20 $ 3,830,000 $ 191,500 $ 141,000
Miami-Dade, Florida 19 $ 3,435,000 $ 180,789 $ 229,000
Palm Beach, Florida 19 $ 5,755,000 $ 302,894 $ 330,000
Carroll, New Hampshire 19 $ 4,025,000 $ 211,842 $ 176,000
Carbon, Pennsylvania 19 $ 1,585,000 $ 83,421 $ 74,000
Cumberland, Maine 17 $ 6,655,000 $ 391,470 $ 262,000
York, Maine 17 $ 5,035,000 $ 296,176 $ 131,000
Sullivan, New York 17 $ 3,665,000 $ 215,588 $ 171,000
Adams, Pennsylvania 17 $ 2,145,000 $ 126,176 $ 73,000
Collier, Florida 16 $ 5,620,000 $ 351,250 $ 231,000
Belknap, New Hampshire 15 $ 3,865,000 $ 257,666 $ 188,000
Luzerne, Pennsylvania 15 $ 1,615,000 $ 107,666 $ 78,000
Lee, Florida 14 $ 2,770,000 $ 197,857 $ 182,000
Prince George's, Maryland 13 $ 40,475,000 $ 3,113,461 $ 173,000
Montour, Pennsylvania 13 $ 1,805,000 $ 138,846 $ 166,000
Broward, Florida 12 $ 4,500,000 $ 375,000 $ 219,000
Strafford, New Hampshire 12 $ 3,240,000 $ 270,000 $ 137,000
Los Angeles, California 11 $ 3,645,000 $ 331,363 $ 387,000
Dutchess, New York 11 $ 2,695,000 $ 245,000 $ 150,000
Putnam, New York 11 $ 2,495,000 $ 226,818 $ 119,000
Perry, Pennsylvania 11 $ 2,835,000 $ 257,727 $ 117,000
Pike, Pennsylvania 10 $ 1,160,000 $ 116,000 $ 110,000
Union, Pennsylvania 10 $ 1,460,000 $ 146,000 $ 118,000
Chittenden, Vermont 10 $ 3,460,000 $ 346,000 $ 166,000
Arlington, Virginia 10 $ 9,980,000 $ 998,000 $ 331,000
Polk, Florida 9 $ 1,375,000 $ 152,777 $ 117,000
Hampshire, Massachusetts 9 $ 2,085,000 $ 231,666 $ 137,000
Nantucket, Massachusetts 9 $ 4,045,000 $ 449,444 $ 575,000
Snyder, Pennsylvania 9 $ 665,000 $ 73,888 $ 66,000
Cheshire, New Hampshire 8 $ 1,470,000 $ 183,750 $ 114,000
Fulton, New York 8 $ 860,000 $ 107,500 $ 73,000
Ulster, New York 8 $ 970,000 $ 121,250 $ 125,000
Franklin, Pennsylvania 8 $ 1,330,000 $ 166,250 $ 104,000
Wayne, Pennsylvania 8 $ 1,710,000 $ 213,750 $ 176,000
Loudoun, Virginia 8 $ 5,590,000 $ 698,750 $ 227,000
Sarasota, Florida 7 $ 2,465,000 $ 352,142 $ 266,000
Cook, Illinois 7 $ 975,000 $ 139,285 $ 204,000
Baltimore City, Maryland 7 $ 14,195,000 $ 2,027,857 $ 67,000
Carroll, Maryland 7 $ 2,725,000 $ 389,285 $ 179,000
Harford, Maryland 7 $ 1,685,000 $ 240,714 $ 170,000
Queen Anne's, Maryland 7 $ 2,935,000 $ 419,285 $ 512,000
Sullivan, New Hampshire 7 $ 1,305,000 $ 186,428 $ 177,000
Columbia, New York 7 $ 3,735,000 $ 533,571 $ 370,000
Lackawanna, Pennsylvania 7 $ 1,045,000 $ 149,285 $ 107,000
Pulaski, Arkansas 6 $ 80,000 $ 13,333 $ 132,000
Kent, Delaware 6 $ 1,480,000 $ 246,666 $ 102,000
Duval, Florida 6 $ 720,000 $ 120,000 $ 172,000
Osceola, Florida 6 $ 930,000 $ 155,000 $ 99,000
Pinellas, Florida 6 $ 640,000 $ 106,666 $ 99,000
Washington, Maryland 6 $ 1,100,000 $ 183,333 $ 89,000
Worcester, Maryland 6 $ 2,350,000 $ 391,666 $ 405,000
Otsego, New York 6 $ 460,000 $ 76,666 $ 83,000
Washington, New York 6 $ 830,000 $ 138,333 $ 240,000
San Bernardino, California 5 $ 855,000 $ 171,000 $ 84,000
Brevard, Florida 5 $ 745,000 $ 149,000 $ 112,000
Martin, Florida 5 $ 715,000 $ 143,000 $ 141,000
Orange, Florida 5 $ 10,675,000 $ 2,135,000 $ 109,000
Cecil, Maryland 5 $ 675,000 $ 135,000 $ 134,000
Talbot, Maryland 5 $ 2,905,000 $ 581,000 $ 598,000
Franklin, Massachusetts 5 $ 565,000 $ 113,000 $ 119,000
Cumberland, New Jersey 5 $ 6,125,000 $ 1,225,000 $ 96,000
Salem, New Jersey 5 $ 385,000 $ 77,000 $ 119,000
Greene, New York 5 $ 725,000 $ 145,000 $ 245,000
Allegheny, Pennsylvania 5 $ 525,000 $ 105,000 $ 53,000
Beaufort, South Carolina 5 $ 935,000 $ 187,000 $ 202,000
Harris, Texas 5 $ 2,015,000 $ 403,000 $ 79,000
Bennington, Vermont 5 $ 1,185,000 $ 237,000 $ 265,000
Riverside, California 4 $ 720,000 $ 180,000 $ 520,000
Pasco, Florida 4 $ 160,000 $ 40,000 $ 138,000
Seminole, Florida 4 $ 1,020,000 $ 255,000 $ 203,000
DeKalb, Georgia 4 $ 470,000 $ 117,500 $ 124,000
Fulton, Georgia 4 $ 440,000 $ 110,000 $ 95,000
Wayne, Michigan 4 $ 120,000 $ 30,000 $ 248,000
Hennepin, Minnesota 4 $ 460,000 $ 115,000 $ 162,000
Broome, New York 4 $ 560,000 $ 140,000 $ 183,000
Cattaraugus, New York 4 $ 400,000 $ 100,000 $ 278,000
Chautauqua, New York 4 $ 320,000 $ 80,000 $ 212,000
Onondaga, New York 4 $ 200,000 $ 50,000 $ 86,000
Schoharie, New York 4 $ 530,000 $ 132,500 $ 59,000
St. Lawrence, New York 4 $ 260,000 $ 65,000 $ 99,000
Warren, New York 4 $ 930,000 $ 232,500 $ 160,000
Columbia, Pennsylvania 4 $ 710,000 $ 177,500 $ 131,000
Susquehanna, Pennsylvania 4 $ 1,020,000 $ 255,000 $ 244,000
Washington, Pennsylvania 4 $ 420,000 $ 105,000 $ 122,000
Horry, South Carolina 4 $ 600,000 $ 150,000 $ 151,000
Windham, Vermont 4 $ 500,000 $ 125,000 $ 168,000
Virginia Beach, Virginia 4 $ 1,910,000 $ 477,500 $ 204,000
Orange, California 3 $ 1,035,000 $ 345,000 $ 231,000
Hillsborough, Florida 3 $ 6,425,000 $ 2,141,666 $ 95,000
Indian River, Florida 3 $ 2,025,000 $ 675,000 $ 1,135,000
Manatee, Florida 3 $ 675,000 $ 225,000 $ 147,000
Okaloosa, Florida 3 $ 535,000 $ 178,333 $ 105,000
St. Johns, Florida 3 $ 915,000 $ 305,000 $ 162,000
St. Lucie, Florida 3 $ 655,000 $ 218,333 $ 183,000
Cobb, Georgia 3 $ 10,575,000 $ 3,525,000 $ 198,000
Sedgwick, Kansas 3 $ 45,000 $ 15,000 $ 201,000
Orleans, Louisiana 3 $ 55,000 $ 18,333 $ 60,000
Franklin, Maine 3 $ 575,000 $ 191,666 $ 272,000
Oxford, Maine 3 $ 95,000 $ 31,666 $ 128,000
Somerset, Maine 3 $ 135,000 $ 45,000 $ 61,000
Clinton, New York 3 $ 235,000 $ 78,333 $ 124,000
Essex, New York 3 $ 1,605,000 $ 535,000 $ 278,000
Hamilton, New York 3 $ 515,000 $ 171,666 $ 99,000
Montgomery, New York 3 $ 215,000 $ 71,666 $ 89,000
Niagara, New York 3 $ 355,000 $ 118,333 $ 76,000
Oneida, New York 3 $ 355,000 $ 118,333 $ 76,000
Durham, North Carolina 3 $ 635,000 $ 211,666 $ 185,000
New Hanover, North Carolina 3 $ 455,000 $ 151,666 $ 139,000
Oklahoma, Oklahoma 3 $ 65,000 $ 21,666 $ 61,000
Blair, Pennsylvania 3 $ 105,000 $ 35,000 $ 68,000
Clearfield, Pennsylvania 3 $ 65,000 $ 21,666 $ 52,000
Potter, Pennsylvania 3 $ 565,000 $ 188,333 $ 68,000
Westmoreland, Pennsylvania 3 $ 485,000 $ 161,666 $ 65,000
Wyoming, Pennsylvania 3 $ 345,000 $ 115,000 $ 169,000
Tarrant, Texas 3 $ 55,000 $ 18,333 $ 134,000
Travis, Texas 3 $ 235,000 $ 78,333 $ 79,000
Lamoille, Vermont 3 $ 885,000 $ 295,000 $ 173,000
Orleans, Vermont 3 $ 195,000 $ 65,000 $ 141,000
Windsor, Vermont 3 $ 985,000 $ 328,333 $ 510,000
Falls Church, Virginia 3 $ 3,115,000 $ 1,038,333 $ 349,000
Prince William, Virginia 3 $ 1,745,000 $ 581,666 $ 274,000
Richmond City, Virginia 3 $ 615,000 $ 205,000 $ 85,000
Jefferson, Alabama 2 $ 300,000 $ 150,000 $ 106,000
Mobile, Alabama 2 $ 30,000 $ 15,000 $ 738,000
Walker, Alabama 2 $ 90,000 $ 45,000 $ 80,000
Maricopa, Arizona 2 $ 270,000 $ 135,000 $ 61,000
Contra Costa, California 2 $ 1,080,000 $ 540,000 $ 163,000
Sacramento, California 2 $ 70,000 $ 35,000 $ 79,000
El Paso, Colorado 2 $ 430,000 $ 215,000 $ 74,000
Charlotte, Florida 2 $ 280,000 $ 140,000 $ 118,000
Flagler, Florida 2 $ 320,000 $ 160,000 $ 101,000
Lake, Florida 2 $ 430,000 $ 215,000 $ 201,000
Marion, Florida 2 $ 190,000 $ 95,000 $ 54,000
Monroe, Florida 2 $ 390,000 $ 195,000 $ 166,000
Volusia, Florida 2 $ 310,000 $ 155,000 $ 57,000
Chatham, Georgia 2 $ 280,000 $ 140,000 $ 114,000
Coweta, Georgia 2 $ 30,000 $ 15,000 $ 250,000
Warren, Kentucky 2 $ 150,000 $ 75,000 $ 881,000
East Baton Rouge, Louisiana 2 $ 30,000 $ 15,000 $ 62,000
Jefferson, Louisiana 2 $ 30,000 $ 15,000 $ 59,000
Kennebec, Maine 2 $ 410,000 $ 205,000 $ 77,000
Knox, Maine 2 $ 280,000 $ 140,000 $ 137,000
Frederick, Maryland 2 $ 7,210,000 $ 3,605,000 $ 213,000
Garrett, Maryland 2 $ 250,000 $ 125,000 $ 75,000
St. Mary's, Maryland 2 $ 760,000 $ 380,000 $ 128,000
Pulaski, Missouri 2 $ 80,000 $ 40,000 $ 74,000
Chemung, New York 2 $ 50,000 $ 25,000 $ 86,000
Chenango, New York 2 $ 100,000 $ 50,000 $ 11,000
Delaware, New York 2 $ 400,000 $ 200,000 $ 157,000
Ontario, New York 2 $ 170,000 $ 85,000 $ 58,000
Wayne, New York 2 $ 300,000 $ 150,000 $ 73,000
Buncombe, North Carolina 2 $ 70,000 $ 35,000 $ 41,000
Mecklenburg, North Carolina 2 $ 80,000 $ 40,000 $ 71,000
Transylvania, North Carolina 2 $ 150,000 $ 75,000 $ 83,000
Butler, Ohio 2 $ 180,000 $ 90,000 $ 90,000
Cuyahoga, Ohio 2 $ 30,000 $ 15,000 $ 47,000
Crawford, Pennsylvania 2 $ 140,000 $ 70,000 $ 74,000
Mercer, Pennsylvania 2 $ 200,000 $ 100,000 $ 109,000
Somerset, Pennsylvania 2 $ 100,000 $ 50,000 $ 17,000
Sullivan, Pennsylvania 2 $ 180,000 $ 90,000 $ 25,000
Tioga, Pennsylvania 2 $ 170,000 $ 85,000 $ 97,000
Berkeley, South Carolina 2 $ 510,000 $ 255,000 $ 72,000
Georgetown, South Carolina 2 $ 30,000 $ 15,000 $ 14,000
Lexington, South Carolina 2 $ 230,000 $ 115,000 $ 291,000
Shelby, Tennessee 2 $ 50,000 $ 25,000 $ 57,000
Utah, Utah 2 $ 600,000 $ 300,000 $ 213,000
Accomack, Virginia 2 $ 280,000 $ 140,000 $ 143,000
Alexandria, Virginia 2 $ 1,890,000 $ 945,000 $ 445,000
Chesterfield, Virginia 2 $ 920,000 $ 460,000 $ 110,000
Hampton, Virginia 2 $ 90,000 $ 45,000 $ 128,000
Portsmouth, Virginia 2 $ 520,000 $ 260,000 $ 148,000
Spotsylvania, Virginia 2 $ 180,000 $ 90,000 $ 60,000
Chambers, Alabama 1 $ 15,000 $ 15,000 $ 34,000
Montgomery, Alabama 1 $ 15,000 $ 15,000 $ 43,000
Russell, Alabama 1 $ 5,000 $ 5,000 $ 370,000
Pima, Arizona 1 $ 15,000 $ 15,000 $ 0
Phillips, Arkansas 1 $ 5,000 $ 5,000 $ 16,000
Sebastian, Arkansas 1 $ 15,000 $ 15,000 $ 31,000
Union, Arkansas 1 $ 35,000 $ 35,000 $ 60,000
Alameda, California 1 $ 455,000 $ 455,000 $ 76,000
San Diego, California 1 $ 495,000 $ 495,000 $ 97,000
San Francisco, California 1 $ 975,000 $ 975,000 $ 355,000
San Mateo, California 1 $ 25,000 $ 25,000 $ 120,000
Santa Cruz, California 1 $ 305,000 $ 305,000 $ 1,900,000
Sonoma, California 1 $ 205,000 $ 205,000 $ 185,000
Arapahoe, Colorado 1 $ 115,000 $ 115,000 $ 0
Boulder, Colorado 1 $ 435,000 $ 435,000 $ 942,000
Citrus, Florida 1 $ 155,000 $ 155,000 $ 150,000
Okeechobee, Florida 1 $ 15,000 $ 15,000 $ 32,000
Sumter, Florida 1 $ 285,000 $ 285,000 $ 0
Charlton, Georgia 1 $ 15,000 $ 15,000 $ 10,000
Clayton, Georgia 1 $ 15,000 $ 15,000 $ 2,376,000
Gwinnett, Georgia 1 $ 5,255,000 $ 5,255,000 $ 0
Hall, Georgia 1 $ 25,000 $ 25,000 $ 75,000
Lumpkin, Georgia 1 $ 15,000 $ 15,000 $ 42,000
Montgomery, Georgia 1 $ 15,000 $ 15,000 $ 77,000
Newton, Georgia 1 $ 175,000 $ 175,000 $ 70,000
Paulding, Georgia 1 $ 265,000 $ 265,000 $ 81,000
Richmond, Georgia 1 $ 15,000 $ 15,000 $ 83,000
Spalding, Georgia 1 $ 7,415,000 $ 7,415,000 $ 0
Whitfield, Georgia 1 $ 25,000 $ 25,000 $ 22,000
Bannock, Idaho 1 $ 5,000 $ 5,000 $ 34,000
DuPage, Illinois 1 $ 255,000 $ 255,000 $ 86,000
Kane, Illinois 1 $ 9,005,000 $ 9,005,000 $ 0
Kendall, Illinois 1 $ 135,000 $ 135,000 $ 55,000
Lake, Illinois 1 $ 135,000 $ 135,000 $ 23,000
Allen, Indiana 1 $ 95,000 $ 95,000 $ 82,000
Elkhart, Indiana 1 $ 65,000 $ 65,000 $ 143,000
Huntington, Indiana 1 $ 485,000 $ 485,000 $ 242,000
Lake, Indiana 1 $ 95,000 $ 95,000 $ 70,000
Marion, Indiana 1 $ 85,000 $ 85,000 $ 439,000
Randolph, Indiana 1 $ 25,000 $ 25,000 $ 102,000
Marion, Iowa 1 $ 25,000 $ 25,000 $ 25,000
Pottawattamie, Iowa 1 $ 5,000 $ 5,000 $ 107,000
Webster, Iowa 1 $ 45,000 $ 45,000 $ 82,000
Jefferson, Kansas 1 $ 15,000 $ 15,000 $ 114,000
Bullitt, Kentucky 1 $ 15,000 $ 15,000 $ 27,000
Jefferson, Kentucky 1 $ 75,000 $ 75,000 $ 16,000
Magoffin, Kentucky 1 $ 205,000 $ 205,000 $ 61,000
Shelby, Kentucky 1 $ 15,000 $ 15,000 $ 146,000
Acadia, Louisiana 1 $ 25,000 $ 25,000 $ 21,000
Assumption, Louisiana 1 $ 15,000 $ 15,000 $ 13,000
Beauregard, Louisiana 1 $ 15,000 $ 15,000 $ 46,000
Bossier, Louisiana 1 $ 5,000 $ 5,000 $ 114,000
Lincoln, Louisiana 1 $ 25,000 $ 25,000 $ 264,000
Terrebonne, Louisiana 1 $ 55,000 $ 55,000 $ 73,000
Vernon, Louisiana 1 $ 15,000 $ 15,000 $ 120,000
Aroostook, Maine 1 $ 75,000 $ 75,000 $ 125,000
Penobscot, Maine 1 $ 105,000 $ 105,000 $ 149,000
Piscataquis, Maine 1 $ 305,000 $ 305,000 $ 120,000
Calvert, Maryland 1 $ 585,000 $ 585,000 $ 188,000
Charles, Maryland 1 $ 45,000 $ 45,000 $ 62,000
Dorchester, Maryland 1 $ 2,005,000 $ 2,005,000 $ 0
Ingham, Michigan 1 $ 15,000 $ 15,000 $ 8,000
Macomb, Michigan 1 $ 25,000 $ 25,000 $ 144,000
Oakland, Michigan 1 $ 425,000 $ 425,000 $ 228,000
Washtenaw, Michigan 1 $ 265,000 $ 265,000 $ 176,000
Ramsey, Minnesota 1 $ 15,000 $ 15,000 $ 35,000
DeSoto, Mississippi 1 $ 15,000 $ 15,000 $ 13,000
Tippah, Mississippi 1 $ 15,000 $ 15,000 $ 73,000
Boone, Missouri 1 $ 5,000 $ 5,000 $ 28,000
Jackson, Missouri 1 $ 15,000 $ 15,000 $ 73,000
St. Louis City, Missouri 1 $ 15,000 $ 15,000 $ 25,000
Vernon, Missouri 1 $ 5,000 $ 5,000 $ 44,000
Douglas, Nebraska 1 $ 15,000 $ 15,000 $ 49,000
Washoe, Nevada 1 $ 15,000 $ 15,000 $ 182,000
Bernalillo, New Mexico 1 $ 15,000 $ 15,000 $ 54,000
Cayuga, New York 1 $ 105,000 $ 105,000 $ 61,000
Cortland, New York 1 $ 65,000 $ 65,000 $ 40,000
Franklin, New York 1 $ 55,000 $ 55,000 $ 102,000
Herkimer, New York 1 $ 155,000 $ 155,000 $ 124,000
Orleans, New York 1 $ 115,000 $ 115,000 $ 85,000
Oswego, New York 1 $ 155,000 $ 155,000 $ 77,000
Tompkins, New York 1 $ 155,000 $ 155,000 $ 113,000
Wyoming, New York 1 $ 165,000 $ 165,000 $ 72,000
Yates, New York 1 $ 185,000 $ 185,000 $ 89,000
Forsyth, North Carolina 1 $ 10,375,000 $ 10,375,000 $ 0
Guilford, North Carolina 1 $ 75,000 $ 75,000 $ 63,000
Harnett, North Carolina 1 $ 125,000 $ 125,000 $ 134,000
Nash, North Carolina 1 $ 65,000 $ 65,000 $ 63,000
Northampton, North Carolina 1 $ 15,000 $ 15,000 $ 26,000
Union, North Carolina 1 $ 215,000 $ 215,000 $ 95,000
Wake, North Carolina 1 $ 235,000 $ 235,000 $ 173,000
Wilkes, North Carolina 1 $ 95,000 $ 95,000 $ 91,000
Cass, North Dakota 1 $ 85,000 $ 85,000 $ 77,000
Fairfield, Ohio 1 $ 15,000 $ 15,000 $ 42,000
Franklin, Ohio 1 $ 225,000 $ 225,000 $ 175,000
Greene, Ohio 1 $ 15,000 $ 15,000 $ 16,000
Lucas, Ohio 1 $ 15,000 $ 15,000 $ 47,000
Richland, Ohio 1 $ 135,000 $ 135,000 $ 111,000
Tulsa, Oklahoma 1 $ 15,000 $ 15,000 $ 78,000
Lake, Oregon 1 $ 15,000 $ 15,000 $ 19,000
Beaver, Pennsylvania 1 $ 55,000 $ 55,000 $ 40,000
Cambria, Pennsylvania 1 $ 65,000 $ 65,000 $ 159,000
Clarion, Pennsylvania 1 $ 55,000 $ 55,000 $ 38,000
Erie, Pennsylvania 1 $ 95,000 $ 95,000 $ 146,000
Forest, Pennsylvania 1 $ 55,000 $ 55,000 $ 38,000
Huntingdon, Pennsylvania 1 $ 175,000 $ 175,000 $ 53,000
Juniata, Pennsylvania 1 $ 115,000 $ 115,000 $ 51,000
Lawrence, Pennsylvania 1 $ 55,000 $ 55,000 $ 81,000
Mifflin, Pennsylvania 1 $ 155,000 $ 155,000 $ 91,000
Richland, South Carolina 1 $ 15,000 $ 15,000 $ 22,000
Sumter, South Carolina 1 $ 15,000 $ 15,000 $ 70,000
Bradley, Tennessee 1 $ 15,000 $ 15,000 $ 108,000
Franklin, Tennessee 1 $ 15,000 $ 15,000 $ 26,000
Hardeman, Tennessee 1 $ 15,000 $ 15,000 $ 37,000
Hardin, Tennessee 1 $ 15,000 $ 15,000 $ 66,000
Madison, Tennessee 1 $ 105,000 $ 105,000 $ 98,000
McMinn, Tennessee 1 $ 15,000 $ 15,000 $ 52,000
Montgomery, Tennessee 1 $ 15,000 $ 15,000 $ 84,000
Bowie, Texas 1 $ 15,000 $ 15,000 $ 21,000
Dallas, Texas 1 $ 15,000 $ 15,000 $ 54,000
El Paso, Texas 1 $ 15,000 $ 15,000 $ 99,000
Falls, Texas 1 $ 15,000 $ 15,000 $ 23,000
Guadalupe, Texas 1 $ 35,000 $ 35,000 $ 30,000
Uintah, Utah 1 $ 15,000 $ 15,000 $ 85,000
Caledonia, Vermont 1 $ 155,000 $ 155,000 $ 200,000
Rutland, Vermont 1 $ 305,000 $ 305,000 $ 149,000
Chesapeake, Virginia 1 $ 15,000 $ 15,000 $ 140,000
Frederick, Virginia 1 $ 15,000 $ 15,000 $ 127,000
Goochland, Virginia 1 $ 405,000 $ 405,000 $ 700,000
Hanover, Virginia 1 $ 705,000 $ 705,000 $ 691,000
Henrico, Virginia 1 $ 25,000 $ 25,000 $ 205,000
Louisa, Virginia 1 $ 735,000 $ 735,000 $ 208,000
Newport News, Virginia 1 $ 15,000 $ 15,000 $ 49,000
Norfolk, Virginia 1 $ 15,000 $ 15,000 $ 40,000
Northumberland, Virginia 1 $ 995,000 $ 995,000 $ 269,000
Petersburg, Virginia 1 $ 15,000 $ 15,000 $ 738,000
Shenandoah, Virginia 1 $ 15,000 $ 15,000 $ 78,000
Staunton, Virginia 1 $ 225,000 $ 225,000 $ 225,000
Pierce, Washington 1 $ 15,000 $ 15,000 $ 72,000
Snohomish, Washington 1 $ 55,000 $ 55,000 $ 93,000
Whatcom, Washington 1 $ 25,000 $ 25,000 $ 96,000
Berkeley, West Virginia 1 $ 15,000 $ 15,000 $ 42,000
Fond du Lac, Wisconsin 1 $ 55,000 $ 55,000 $ 338,000
Monroe, Wisconsin 1 $ 15,000 $ 15,000 $ 26,000
Polk, Wisconsin 1 $ 165,000 $ 165,000 $ 83,000
Fremont, Wyoming 1 $ 15,000 $ 15,000 $ 166,000

Mortgage Loan Application Detail Totals for Santander Bank, N.A. 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
Refinancing 8,151 $3,947,075,000 $484,000 $50,005,000 $147,000 $5,138,000
Home Purchase 7,771 $2,853,335,000 $367,000 $29,405,000 $149,000 $7,782,000
Other Purpose 7,196 $1,065,580,000 $148,000 $1,505,000 $129,000 $4,490,000
Home Improvement 5,028 $656,690,000 $130,000 $11,005,000 $125,000 $3,100,000
Cash-out Refinancing 3,483 $1,037,085,000 $297,000 $2,925,000 $132,000 $2,457,000
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 20,670 $5,032,840,000 $243,000 $7,145,000 $145,000 $7,782,000
Not Provided 3,811 $874,455,000 $229,000 $2,705,000 $144,000 $4,750,000
Hispanic 2,405 $447,465,000 $186,000 $1,505,000 $88,000 $2,406,000
Asian 1,856 $568,910,000 $306,000 $1,705,000 $151,000 $4,337,000
Black or African American 1,765 $344,125,000 $194,000 $2,005,000 $99,000 $2,376,000
Not applicable 248 $2,013,470,000 $8,118,000 $50,005,000 $0 $0
American Indian or Alaskan Native 135 $24,635,000 $182,000 $1,105,000 $133,000 $3,207,000
Native Hawaiian or Other Pacific Islander 19 $6,295,000 $331,000 $875,000 $145,000 $406,000

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) 31,196 $9,445,070,000 $302,000 $50,005,000 $139,000 $7,782,000
FHA-insured (Federal Housing Administration) 401 $106,315,000 $265,000 $935,000 $76,000 $310,000
VA-guaranteed (Veterans Administration) 32 $8,380,000 $261,000 $485,000 $92,000 $180,000
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 17,662 $6,356,220,000 $359,000 $50,005,000 $145,000 $7,782,000
Application Denied By Financial Institution 11,034 $2,164,530,000 $196,000 $14,035,000 $126,000 $4,527,000
Application Withdrawn By Applicant 1,764 $646,950,000 $366,000 $24,805,000 $151,000 $3,887,000
File Closed For Incompleteness 440 $132,770,000 $301,000 $2,305,000 $138,000 $1,300,000
Application Approved But Not Accepted 332 $131,400,000 $395,000 $18,705,000 $151,000 $1,076,000
Preapproval Approved but not Accepted 238 $82,750,000 $347,000 $2,805,000 $107,000 $1,208,000
Preapproval Denied by Financial Institution 153 $43,065,000 $281,000 $1,505,000 $81,000 $436,000
Loan Purchased By The Institution 6 $2,080,000 $346,000 $555,000 $187,000 $506,000

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 20,442 $7,352,170,000 $359,000 $50,005,000 $145,000 $7,782,000
Credit Application Incomplete 3,032 $635,760,000 $209,000 $8,755,000 $154,000 $3,100,000
Debt-To-Income Ratio 2,884 $602,280,000 $208,000 $7,145,000 $73,000 $1,461,000
Collateral 1,945 $348,385,000 $179,000 $14,035,000 $150,000 $3,000,000
Other 1,472 $283,600,000 $192,000 $13,705,000 $156,000 $4,527,000
Credit History 1,263 $188,645,000 $149,000 $10,275,000 $106,000 $1,600,000
Unverifiable Information 458 $115,050,000 $251,000 $1,505,000 $135,000 $2,406,000
Insufficient Cash (Downpayment, Closing Cost) 70 $20,010,000 $285,000 $1,375,000 $92,000 $422,000
Employment History 63 $13,865,000 $220,000 $835,000 $93,000 $1,400,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Santander Bank, N.A.'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 Santander Bank, N.A.'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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