Santander Bank, N.A. Mortgage Lending & HMDA Data, 2021
In 2021, Santander Bank, N.A. of Wilmington, DE reported 22,528 mortgage applications totaling $7.6 billion, down 14% from 2020. The average application was for $335,430, and applicants reported an average income of $137,762. 53% of its applications resulted in an originated loan and 31% were denied. Its largest markets were New York-Newark, NY (2,970), New York-Jersey City-White Plains, NY-NJ (2,818) and Cambridge-Newton-Framingham, MA (2,381) (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 | 22,528 |
| Total Mortgage Loan Application Amount | $7,556,570,000 |
| Average Mortgage Loan Application Amount | $335,430 |
| Highest Mortgage Loan Application Amount | $48,005,000 |
| Average Applicant Income | $137,762 |
| Highest Applicant Income | $4,217,000 |
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Act (HMDA) records Santander Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex, Massachusetts | 1,416 | $ 472,790,000 | $ 333,891 | $ 156,000 |
| Monmouth, New Jersey | 1,196 | $ 349,850,000 | $ 292,516 | $ 167,000 |
| Essex, Massachusetts | 965 | $ 235,675,000 | $ 244,222 | $ 119,000 |
| Ocean, New Jersey | 956 | $ 216,390,000 | $ 226,349 | $ 113,000 |
| Richmond, New York | 824 | $ 264,370,000 | $ 320,837 | $ 140,000 |
| Norfolk, Massachusetts | 796 | $ 274,360,000 | $ 344,673 | $ 168,000 |
| Bristol, Massachusetts | 779 | $ 153,315,000 | $ 196,810 | $ 104,000 |
| Plymouth, Massachusetts | 755 | $ 168,455,000 | $ 223,119 | $ 127,000 |
| Worcester, Massachusetts | 752 | $ 154,950,000 | $ 206,050 | $ 113,000 |
| Kings, New York | 715 | $ 552,035,000 | $ 772,076 | $ 169,000 |
| Suffolk, Massachusetts | 714 | $ 232,120,000 | $ 325,098 | $ 122,000 |
| Providence, Rhode Island | 706 | $ 130,870,000 | $ 185,368 | $ 91,000 |
| Middlesex, New Jersey | 680 | $ 175,820,000 | $ 258,558 | $ 106,000 |
| Philadelphia, Pennsylvania | 648 | $ 185,910,000 | $ 286,898 | $ 81,000 |
| Berks, Pennsylvania | 586 | $ 82,650,000 | $ 141,040 | $ 89,000 |
| Barnstable, Massachusetts | 445 | $ 118,695,000 | $ 266,730 | $ 145,000 |
| Hartford, Connecticut | 430 | $ 72,470,000 | $ 168,534 | $ 108,000 |
| Union, New Jersey | 423 | $ 105,585,000 | $ 249,609 | $ 137,000 |
| Montgomery, Pennsylvania | 423 | $ 119,625,000 | $ 282,801 | $ 161,000 |
| Bucks, Pennsylvania | 409 | $ 133,735,000 | $ 326,980 | $ 168,000 |
| Delaware, Pennsylvania | 399 | $ 86,585,000 | $ 217,005 | $ 126,000 |
| Queens, New York | 397 | $ 242,525,000 | $ 610,894 | $ 132,000 |
| Mercer, New Jersey | 355 | $ 78,345,000 | $ 220,690 | $ 131,000 |
| Essex, New Jersey | 324 | $ 213,700,000 | $ 659,567 | $ 175,000 |
| York, Pennsylvania | 310 | $ 40,800,000 | $ 131,612 | $ 87,000 |
| Rockingham, New Hampshire | 308 | $ 66,530,000 | $ 216,006 | $ 137,000 |
| Chester, Pennsylvania | 283 | $ 99,145,000 | $ 350,335 | $ 188,000 |
| Lancaster, Pennsylvania | 279 | $ 41,195,000 | $ 147,652 | $ 87,000 |
| Morris, New Jersey | 277 | $ 93,955,000 | $ 339,187 | $ 159,000 |
| Bergen, New Jersey | 249 | $ 125,415,000 | $ 503,674 | $ 200,000 |
| Kent, Rhode Island | 203 | $ 47,715,000 | $ 235,049 | $ 105,000 |
| Schuylkill, Pennsylvania | 195 | $ 20,925,000 | $ 107,307 | $ 75,000 |
| Hudson, New Jersey | 192 | $ 112,740,000 | $ 587,187 | $ 160,000 |
| Nassau, New York | 191 | $ 101,995,000 | $ 534,005 | $ 217,000 |
| Hillsborough, New Hampshire | 183 | $ 36,295,000 | $ 198,333 | $ 120,000 |
| Lehigh, Pennsylvania | 182 | $ 30,380,000 | $ 166,923 | $ 105,000 |
| Northampton, Pennsylvania | 178 | $ 27,260,000 | $ 153,146 | $ 90,000 |
| Cumberland, Pennsylvania | 175 | $ 27,025,000 | $ 154,428 | $ 92,000 |
| New York, New York | 170 | $ 325,170,000 | $ 1,912,764 | $ 272,000 |
| Dukes, Massachusetts | 163 | $ 97,035,000 | $ 595,306 | $ 320,000 |
| Dauphin, Pennsylvania | 149 | $ 21,455,000 | $ 143,993 | $ 91,000 |
| Burlington, New Jersey | 148 | $ 46,860,000 | $ 316,621 | $ 129,000 |
| Washington, Rhode Island | 129 | $ 37,725,000 | $ 292,441 | $ 149,000 |
| Camden, New Jersey | 128 | $ 27,920,000 | $ 218,125 | $ 93,000 |
| Somerset, New Jersey | 115 | $ 38,925,000 | $ 338,478 | $ 167,000 |
| New Haven, Connecticut | 99 | $ 16,255,000 | $ 164,191 | $ 85,000 |
| Bronx, New York | 90 | $ 212,030,000 | $ 2,355,888 | $ 117,000 |
| Suffolk, New York | 88 | $ 61,010,000 | $ 693,295 | $ 304,000 |
| Newport, Rhode Island | 82 | $ 19,350,000 | $ 235,975 | $ 154,000 |
| Westchester, New York | 79 | $ 52,765,000 | $ 667,911 | $ 275,000 |
| Sussex, New Jersey | 72 | $ 14,470,000 | $ 200,972 | $ 108,000 |
| Bristol, Rhode Island | 71 | $ 17,795,000 | $ 250,633 | $ 165,000 |
| Fairfield, Connecticut | 69 | $ 46,415,000 | $ 672,681 | $ 345,000 |
| Passaic, New Jersey | 69 | $ 18,215,000 | $ 263,985 | $ 156,000 |
| Hampden, Massachusetts | 63 | $ 10,105,000 | $ 160,396 | $ 112,000 |
| Lebanon, Pennsylvania | 61 | $ 8,825,000 | $ 144,672 | $ 88,000 |
| Cape May, New Jersey | 52 | $ 31,560,000 | $ 606,923 | $ 399,000 |
| New Castle, Delaware | 49 | $ 10,975,000 | $ 223,979 | $ 103,000 |
| Miami-Dade, Florida | 45 | $ 91,185,000 | $ 2,026,333 | $ 244,000 |
| Tolland, Connecticut | 44 | $ 9,160,000 | $ 208,181 | $ 109,000 |
| Atlantic, New Jersey | 40 | $ 13,620,000 | $ 340,500 | $ 174,000 |
| Monroe, Pennsylvania | 38 | $ 11,700,000 | $ 307,894 | $ 187,000 |
| Gloucester, New Jersey | 33 | $ 5,555,000 | $ 168,333 | $ 75,000 |
| Middlesex, Connecticut | 31 | $ 6,995,000 | $ 225,645 | $ 156,000 |
| Merrimack, New Hampshire | 31 | $ 5,415,000 | $ 174,677 | $ 130,000 |
| Sussex, Delaware | 30 | $ 11,010,000 | $ 367,000 | $ 190,000 |
| Hunterdon, New Jersey | 30 | $ 9,520,000 | $ 317,333 | $ 228,000 |
| Rockland, New York | 30 | $ 33,590,000 | $ 1,119,666 | $ 250,000 |
| York, Maine | 27 | $ 9,825,000 | $ 363,888 | $ 205,000 |
| Windham, Connecticut | 26 | $ 3,530,000 | $ 135,769 | $ 111,000 |
| Broward, Florida | 22 | $ 27,910,000 | $ 1,268,636 | $ 254,000 |
| Palm Beach, Florida | 21 | $ 7,055,000 | $ 335,952 | $ 289,000 |
| Carroll, New Hampshire | 21 | $ 5,685,000 | $ 270,714 | $ 186,000 |
| Warren, New Jersey | 21 | $ 3,975,000 | $ 189,285 | $ 95,000 |
| Nantucket, Massachusetts | 20 | $ 9,270,000 | $ 463,500 | $ 204,000 |
| Adams, Pennsylvania | 20 | $ 2,540,000 | $ 127,000 | $ 95,000 |
| Belknap, New Hampshire | 17 | $ 4,645,000 | $ 273,235 | $ 195,000 |
| Litchfield, Connecticut | 16 | $ 2,850,000 | $ 178,125 | $ 84,000 |
| Collier, Florida | 16 | $ 5,040,000 | $ 315,000 | $ 187,000 |
| Luzerne, Pennsylvania | 16 | $ 12,250,000 | $ 765,625 | $ 86,000 |
| Cumberland, Maine | 15 | $ 4,705,000 | $ 313,666 | $ 194,000 |
| Orange, New York | 15 | $ 7,775,000 | $ 518,333 | $ 186,000 |
| Wayne, Pennsylvania | 13 | $ 2,545,000 | $ 195,769 | $ 354,000 |
| Saratoga, New York | 12 | $ 2,770,000 | $ 230,833 | $ 130,000 |
| Pike, Pennsylvania | 12 | $ 1,920,000 | $ 160,000 | $ 111,000 |
| Flagler, Florida | 11 | $ 1,925,000 | $ 175,000 | $ 108,000 |
| Grafton, New Hampshire | 11 | $ 3,415,000 | $ 310,454 | $ 206,000 |
| Albany, New York | 11 | $ 11,915,000 | $ 1,083,181 | $ 113,000 |
| Sullivan, New York | 11 | $ 3,045,000 | $ 276,818 | $ 128,000 |
| Ulster, New York | 10 | $ 2,910,000 | $ 291,000 | $ 251,000 |
| Perry, Pennsylvania | 10 | $ 1,240,000 | $ 124,000 | $ 80,000 |
| Hillsborough, Florida | 9 | $ 3,245,000 | $ 360,555 | $ 151,000 |
| Lee, Florida | 9 | $ 1,775,000 | $ 197,222 | $ 156,000 |
| Baltimore, Maryland | 9 | $ 6,965,000 | $ 773,888 | $ 196,000 |
| Anne Arundel, Maryland | 8 | $ 5,940,000 | $ 742,500 | $ 241,000 |
| Berkshire, Massachusetts | 8 | $ 3,200,000 | $ 400,000 | $ 209,000 |
| Strafford, New Hampshire | 8 | $ 1,100,000 | $ 137,500 | $ 76,000 |
| Dutchess, New York | 8 | $ 1,770,000 | $ 221,250 | $ 110,000 |
| Erie, New York | 8 | $ 1,550,000 | $ 193,750 | $ 138,000 |
| Mecklenburg, North Carolina | 8 | $ 12,760,000 | $ 1,595,000 | $ 150,000 |
| Franklin, Pennsylvania | 8 | $ 630,000 | $ 78,750 | $ 76,000 |
| Fairfax, Virginia | 8 | $ 6,240,000 | $ 780,000 | $ 384,000 |
| District of Columbia, District Of Columbia | 7 | $ 5,125,000 | $ 732,142 | $ 454,000 |
| Osceola, Florida | 7 | $ 1,455,000 | $ 207,857 | $ 146,000 |
| Sarasota, Florida | 7 | $ 2,215,000 | $ 316,428 | $ 191,000 |
| Sullivan, New Hampshire | 7 | $ 995,000 | $ 142,142 | $ 77,000 |
| Carbon, Pennsylvania | 7 | $ 1,055,000 | $ 150,714 | $ 66,000 |
| Lycoming, Pennsylvania | 7 | $ 1,295,000 | $ 185,000 | $ 121,000 |
| Los Angeles, California | 6 | $ 4,130,000 | $ 688,333 | $ 240,000 |
| New London, Connecticut | 6 | $ 1,900,000 | $ 316,666 | $ 334,000 |
| Manatee, Florida | 6 | $ 8,020,000 | $ 1,336,666 | $ 310,000 |
| Orange, Florida | 6 | $ 2,020,000 | $ 336,666 | $ 119,000 |
| St. Lucie, Florida | 6 | $ 1,680,000 | $ 280,000 | $ 169,000 |
| Cook, Illinois | 6 | $ 14,410,000 | $ 2,401,666 | $ 152,000 |
| Baltimore City, Maryland | 6 | $ 16,170,000 | $ 2,695,000 | $ 292,000 |
| Montgomery, Maryland | 6 | $ 4,610,000 | $ 768,333 | $ 277,000 |
| Warren, New York | 6 | $ 1,140,000 | $ 190,000 | $ 123,000 |
| Lackawanna, Pennsylvania | 6 | $ 620,000 | $ 103,333 | $ 117,000 |
| Kent, Delaware | 5 | $ 1,535,000 | $ 307,000 | $ 131,000 |
| Harford, Maryland | 5 | $ 815,000 | $ 163,000 | $ 71,000 |
| Washington, Maryland | 5 | $ 755,000 | $ 151,000 | $ 59,000 |
| Worcester, Maryland | 5 | $ 1,075,000 | $ 215,000 | $ 139,000 |
| Coos, New Hampshire | 5 | $ 375,000 | $ 75,000 | $ 87,000 |
| Cumberland, New Jersey | 5 | $ 775,000 | $ 155,000 | $ 53,000 |
| Greene, New York | 5 | $ 1,215,000 | $ 243,000 | $ 157,000 |
| Wake, North Carolina | 5 | $ 2,195,000 | $ 439,000 | $ 216,000 |
| Cuyahoga, Ohio | 5 | $ 45,995,000 | $ 9,199,000 | $ 198,000 |
| Dallas, Texas | 5 | $ 18,735,000 | $ 3,747,000 | $ 142,000 |
| Windham, Vermont | 5 | $ 835,000 | $ 167,000 | $ 153,000 |
| Maricopa, Arizona | 4 | $ 2,750,000 | $ 687,500 | $ 396,000 |
| Duval, Florida | 4 | $ 970,000 | $ 242,500 | $ 202,000 |
| Volusia, Florida | 4 | $ 1,140,000 | $ 285,000 | $ 238,000 |
| Prince George's, Maryland | 4 | $ 580,000 | $ 145,000 | $ 79,000 |
| Hampshire, Massachusetts | 4 | $ 390,000 | $ 97,500 | $ 84,000 |
| Allegany, New York | 4 | $ 1,180,000 | $ 295,000 | $ 206,000 |
| Essex, New York | 4 | $ 870,000 | $ 217,500 | $ 218,000 |
| Niagara, New York | 4 | $ 710,000 | $ 177,500 | $ 93,000 |
| Schenectady, New York | 4 | $ 1,370,000 | $ 342,500 | $ 150,000 |
| Allegheny, Pennsylvania | 4 | $ 1,160,000 | $ 290,000 | $ 196,000 |
| Beaufort, South Carolina | 4 | $ 1,520,000 | $ 380,000 | $ 182,000 |
| Harris, Texas | 4 | $ 12,730,000 | $ 3,182,500 | $ 114,000 |
| Marion, Florida | 3 | $ 635,000 | $ 211,666 | $ 85,000 |
| Cobb, Georgia | 3 | $ 615,000 | $ 205,000 | $ 160,000 |
| Oxford, Maine | 3 | $ 165,000 | $ 55,000 | $ 94,000 |
| Calvert, Maryland | 3 | $ 675,000 | $ 225,000 | $ 108,000 |
| Cecil, Maryland | 3 | $ 515,000 | $ 171,666 | $ 109,000 |
| Howard, Maryland | 3 | $ 1,045,000 | $ 348,333 | $ 325,000 |
| Talbot, Maryland | 3 | $ 2,105,000 | $ 701,666 | $ 517,000 |
| Franklin, Massachusetts | 3 | $ 365,000 | $ 121,666 | $ 84,000 |
| Oakland, Michigan | 3 | $ 2,115,000 | $ 705,000 | $ 187,000 |
| Broome, New York | 3 | $ 19,735,000 | $ 6,578,333 | $ 124,000 |
| Columbia, New York | 3 | $ 1,855,000 | $ 618,333 | $ 233,000 |
| Fulton, New York | 3 | $ 255,000 | $ 85,000 | $ 53,000 |
| Onondaga, New York | 3 | $ 18,465,000 | $ 6,155,000 | $ 301,000 |
| Putnam, New York | 3 | $ 835,000 | $ 278,333 | $ 155,000 |
| Forsyth, North Carolina | 3 | $ 355,000 | $ 118,333 | $ 77,000 |
| Centre, Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 103,000 |
| Charleston, South Carolina | 3 | $ 11,055,000 | $ 3,685,000 | $ 321,000 |
| Tarrant, Texas | 3 | $ 8,035,000 | $ 2,678,333 | $ 130,000 |
| Chittenden, Vermont | 3 | $ 375,000 | $ 125,000 | $ 130,000 |
| Washington, Vermont | 3 | $ 505,000 | $ 168,333 | $ 313,000 |
| Arlington, Virginia | 3 | $ 2,695,000 | $ 898,333 | $ 226,000 |
| Pinal, Arizona | 2 | $ 1,350,000 | $ 675,000 | $ 216,000 |
| Orange, California | 2 | $ 520,000 | $ 260,000 | $ 149,000 |
| Ventura, California | 2 | $ 3,850,000 | $ 1,925,000 | $ 729,000 |
| Denver, Colorado | 2 | $ 510,000 | $ 255,000 | $ 132,000 |
| Charlotte, Florida | 2 | $ 190,000 | $ 95,000 | $ 69,000 |
| Lake, Florida | 2 | $ 930,000 | $ 465,000 | $ 145,000 |
| Monroe, Florida | 2 | $ 2,180,000 | $ 1,090,000 | $ 303,000 |
| Pasco, Florida | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Polk, Florida | 2 | $ 670,000 | $ 335,000 | $ 168,000 |
| Fulton, Georgia | 2 | $ 280,000 | $ 140,000 | $ 36,000 |
| Kane, Illinois | 2 | $ 600,000 | $ 300,000 | $ 124,000 |
| Vanderburgh, Indiana | 2 | $ 70,000 | $ 35,000 | $ 45,000 |
| Franklin, Maine | 2 | $ 370,000 | $ 185,000 | $ 298,000 |
| Hancock, Maine | 2 | $ 470,000 | $ 235,000 | $ 92,000 |
| Knox, Maine | 2 | $ 210,000 | $ 105,000 | $ 139,000 |
| Somerset, Maine | 2 | $ 840,000 | $ 420,000 | $ 155,000 |
| Kent, Maryland | 2 | $ 860,000 | $ 430,000 | $ 450,000 |
| Gallatin, Montana | 2 | $ 630,000 | $ 315,000 | $ 132,000 |
| Cheshire, New Hampshire | 2 | $ 230,000 | $ 115,000 | $ 82,000 |
| Salem, New Jersey | 2 | $ 240,000 | $ 120,000 | $ 82,000 |
| Chemung, New York | 2 | $ 190,000 | $ 95,000 | $ 62,000 |
| Delaware, New York | 2 | $ 470,000 | $ 235,000 | $ 93,000 |
| Oneida, New York | 2 | $ 380,000 | $ 190,000 | $ 101,000 |
| Rensselaer, New York | 2 | $ 400,000 | $ 200,000 | $ 114,000 |
| Washington, New York | 2 | $ 290,000 | $ 145,000 | $ 140,000 |
| Chatham, North Carolina | 2 | $ 1,220,000 | $ 610,000 | $ 192,000 |
| Durham, North Carolina | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Guilford, North Carolina | 2 | $ 250,000 | $ 125,000 | $ 274,000 |
| Johnston, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 32,000 |
| Orange, North Carolina | 2 | $ 520,000 | $ 260,000 | $ 165,000 |
| Tioga, Pennsylvania | 2 | $ 250,000 | $ 125,000 | $ 70,000 |
| Horry, South Carolina | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Davidson, Tennessee | 2 | $ 1,450,000 | $ 725,000 | $ 220,000 |
| Bexar, Texas | 2 | $ 400,000 | $ 200,000 | $ 102,000 |
| Denton, Texas | 2 | $ 840,000 | $ 420,000 | $ 189,000 |
| Rutland, Vermont | 2 | $ 290,000 | $ 145,000 | $ 228,000 |
| Windsor, Vermont | 2 | $ 230,000 | $ 115,000 | $ 154,000 |
| Alexandria, Virginia | 2 | $ 2,280,000 | $ 1,140,000 | $ 477,000 |
| Chesterfield, Virginia | 2 | $ 16,780,000 | $ 8,390,000 | $ 72,000 |
| Madison, Virginia | 2 | $ 2,250,000 | $ 1,125,000 | $ 370,000 |
| Stafford, Virginia | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Suffolk, Virginia | 2 | $ 2,850,000 | $ 1,425,000 | $ 569,000 |
| King, Washington | 2 | $ 1,090,000 | $ 545,000 | $ 291,000 |
| Baldwin, Alabama | 1 | $ 105,000 | $ 105,000 | $ 177,000 |
| Jefferson, Alabama | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Mohave, Arizona | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Contra Costa, California | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Merced, California | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| San Bernardino, California | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| San Diego, California | 1 | $ 775,000 | $ 775,000 | $ 289,000 |
| Santa Clara, California | 1 | $ 1,695,000 | $ 1,695,000 | $ 1,200,000 |
| Solano, California | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Sonoma, California | 1 | $ 1,505,000 | $ 1,505,000 | $ 348,000 |
| Douglas, Colorado | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Brevard, Florida | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Franklin, Florida | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Hernando, Florida | 1 | $ 195,000 | $ 195,000 | $ 188,000 |
| Indian River, Florida | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Okeechobee, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Pinellas, Florida | 1 | $ 365,000 | $ 365,000 | $ 204,000 |
| Seminole, Florida | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| St. Johns, Florida | 1 | $ 465,000 | $ 465,000 | $ 228,000 |
| Sumter, Florida | 1 | $ 195,000 | $ 195,000 | $ 142,000 |
| Clayton, Georgia | 1 | $ 175,000 | $ 175,000 | $ 288,000 |
| Douglas, Georgia | 1 | $ 195,000 | $ 195,000 | $ 289,000 |
| Evans, Georgia | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Glynn, Georgia | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Gwinnett, Georgia | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Henry, Georgia | 1 | $ 125,000 | $ 125,000 | $ 169,000 |
| DuPage, Illinois | 1 | $ 145,000 | $ 145,000 | $ 200,000 |
| Jackson, Illinois | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Lake, Illinois | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| St. Clair, Illinois | 1 | $ 115,000 | $ 115,000 | $ 126,000 |
| Will, Illinois | 1 | $ 245,000 | $ 245,000 | $ 161,000 |
| Hamilton, Indiana | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Johnson, Indiana | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Lake, Indiana | 1 | $ 205,000 | $ 205,000 | $ 143,000 |
| Marion, Indiana | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Steuben, Indiana | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| White, Indiana | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Greenup, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 230,000 |
| Ascension, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Lafayette, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Orleans, Louisiana | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| St. Charles, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Androscoggin, Maine | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Kennebec, Maine | 1 | $ 205,000 | $ 205,000 | $ 445,000 |
| Lincoln, Maine | 1 | $ 275,000 | $ 275,000 | $ 193,000 |
| Waldo, Maine | 1 | $ 145,000 | $ 145,000 | $ 269,000 |
| Washington, Maine | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Caroline, Maryland | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Frederick, Maryland | 1 | $ 425,000 | $ 425,000 | $ 185,000 |
| Queen Anne's, Maryland | 1 | $ 995,000 | $ 995,000 | $ 535,000 |
| Sanilac, Michigan | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Washtenaw, Michigan | 1 | $ 36,005,000 | $ 36,005,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| Hennepin, Minnesota | 1 | $ 1,505,000 | $ 1,505,000 | $ 423,000 |
| Attala, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Clay, Missouri | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Greene, Missouri | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Jefferson, Missouri | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Oswego, New York | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Otsego, New York | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Schoharie, New York | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Buncombe, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Catawba, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Currituck, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 177,000 |
| Davidson, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Montgomery, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Moore, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Nash, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 56,000 |
| Onslow, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Pender, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 223,000 |
| Randolph, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Hamilton, Ohio | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Williams, Ohio | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Beaver, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Clinton, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Columbia, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Greene, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Huntingdon, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Juniata, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| McKean, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 249,000 |
| Mercer, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Potter, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Susquehanna, Pennsylvania | 1 | $ 1,485,000 | $ 1,485,000 | $ 904,000 |
| Union, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Washington, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Westmoreland, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Anderson, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Berkeley, South Carolina | 1 | $ 2,375,000 | $ 2,375,000 | $ 498,000 |
| Dorchester, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Fairfield, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| Greenville, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
| Spartanburg, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Sumter, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Corson, South Dakota | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Bedford, Tennessee | 1 | $ 375,000 | $ 375,000 | $ 88,000 |
| Bradley, Tennessee | 1 | $ 12,705,000 | $ 12,705,000 | $ 0 |
| Maury, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
| Atascosa, Texas | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Collin, Texas | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| El Paso, Texas | 1 | $ 375,000 | $ 375,000 | $ 60,000 |
| Montgomery, Texas | 1 | $ 245,000 | $ 245,000 | $ 210,000 |
| Addison, Vermont | 1 | $ 315,000 | $ 315,000 | $ 261,000 |
| Caledonia, Vermont | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Essex, Vermont | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Lamoille, Vermont | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Orange, Vermont | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Buckingham, Virginia | 1 | $ 135,000 | $ 135,000 | $ 7,000 |
| Hampton, Virginia | 1 | $ 1,055,000 | $ 1,055,000 | $ 290,000 |
| Hanover, Virginia | 1 | $ 415,000 | $ 415,000 | $ 350,000 |
| Henrico, Virginia | 1 | $ 615,000 | $ 615,000 | $ 640,000 |
| Louisa, Virginia | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Petersburg, Virginia | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Park, Wyoming | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
Mortgage Loan Application Detail Totals for Santander Bank, N.A. 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 | 8,369 | $3,795,045,000 | $453,000 | $48,005,000 | $144,000 | $3,447,000 |
| Home Improvement | 4,080 | $638,500,000 | $156,000 | $3,405,000 | $126,000 | $2,075,000 |
| Cash-out Refinancing | 3,853 | $1,174,955,000 | $304,000 | $2,505,000 | $130,000 | $3,063,000 |
| Home Purchase | 3,648 | $1,491,750,000 | $408,000 | $27,375,000 | $151,000 | $4,217,000 |
| Other Purpose | 2,578 | $456,320,000 | $177,000 | $2,565,000 | $129,000 | $2,808,000 |
| 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 | 14,112 | $3,739,320,000 | $264,000 | $4,405,000 | $143,000 | $4,217,000 |
| Not Provided | 3,436 | $957,100,000 | $278,000 | $3,755,000 | $146,000 | $2,808,000 |
| Hispanic | 1,933 | $440,005,000 | $227,000 | $2,005,000 | $98,000 | $2,410,000 |
| Asian | 1,510 | $549,570,000 | $363,000 | $2,205,000 | $158,000 | $3,063,000 |
| Black or African American | 1,248 | $277,950,000 | $222,000 | $1,935,000 | $96,000 | $856,000 |
| Not applicable | 150 | $1,552,870,000 | $10,352,000 | $48,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 60 | $13,760,000 | $229,000 | $1,475,000 | $97,000 | $305,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $3,105,000 | $182,000 | $395,000 | $80,000 | $177,000 |
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) | 22,355 | $7,508,065,000 | $335,000 | $48,005,000 | $138,000 | $4,217,000 |
| FHA-insured (Federal Housing Administration) | 153 | $42,605,000 | $278,000 | $715,000 | $67,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,900,000 | $295,000 | $525,000 | $81,000 | $148,000 |
| 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 | 12,015 | $4,802,515,000 | $399,000 | $48,005,000 | $152,000 | $4,217,000 |
| Application Denied By Financial Institution | 7,066 | $1,691,390,000 | $239,000 | $13,005,000 | $108,000 | $2,400,000 |
| Application Withdrawn By Applicant | 2,316 | $679,810,000 | $293,000 | $6,855,000 | $147,000 | $2,620,000 |
| File Closed For Incompleteness | 963 | $333,095,000 | $345,000 | $4,405,000 | $163,000 | $3,063,000 |
| Application Approved But Not Accepted | 126 | $35,430,000 | $281,000 | $6,315,000 | $127,000 | $729,000 |
| Preapproval Denied by Financial Institution | 35 | $11,745,000 | $335,000 | $1,945,000 | $71,000 | $394,000 |
| Preapproval Approved but not Accepted | 7 | $2,585,000 | $369,000 | $545,000 | $153,000 | $595,000 |
| Loan Purchased By The 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 | 15,427 | $5,853,435,000 | $379,000 | $48,005,000 | $152,000 | $4,217,000 |
| Debt-To-Income Ratio | 2,761 | $658,275,000 | $238,000 | $3,745,000 | $73,000 | $1,564,000 |
| Credit Application Incomplete | 1,342 | $389,880,000 | $290,000 | $13,005,000 | $132,000 | $2,400,000 |
| Other | 943 | $208,065,000 | $220,000 | $4,255,000 | $130,000 | $2,225,000 |
| Collateral | 912 | $230,280,000 | $252,000 | $9,605,000 | $157,000 | $1,560,000 |
| Credit History | 771 | $117,495,000 | $152,000 | $875,000 | $105,000 | $2,200,000 |
| Unverifiable Information | 300 | $80,670,000 | $268,000 | $2,505,000 | $107,000 | $744,000 |
| Employment History | 56 | $14,790,000 | $264,000 | $1,155,000 | $57,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $3,680,000 | $230,000 | $445,000 | $79,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santander Bank, N.A.'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 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.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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