Santander Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Santander Bank, N.A. 2022 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 | 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 | 4,733 |
| Total Mortgage Loan Application Amount | $4,753,655,000 |
| Average Mortgage Loan Application Amount | $775,800 |
| Highest Mortgage Loan Application Amount | $73,505,000 |
| Average Applicant Income | $131,200 |
| Highest Applicant Income | $3,157,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Santander Bank, N.A.. 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 Santander Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Santander Bank, N.A.'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 Santander Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Santander Bank, N.A., 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 Santander Bank, N.A.'s mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex County Massachusetts | 292 | $ 88,770,000 | $ 304,000 | $ 151,000 |
| Monmouth County New Jersey | 238 | $ 76,460,000 | $ 321,000 | $ 152,000 |
| Essex County Massachusetts | 231 | $ 77,805,000 | $ 336,000 | $ 117,000 |
| Philadelphia County Pennsylvania | 191 | $ 181,145,000 | $ 948,000 | $ 89,000 |
| Richmond County New York | 185 | $ 50,635,000 | $ 273,000 | $ 127,000 |
| Ocean County New Jersey | 183 | $ 110,385,000 | $ 603,000 | $ 119,000 |
| Kings County New York | 156 | $ 195,160,000 | $ 1,251,000 | $ 169,000 |
| Bristol County Massachusetts | 141 | $ 27,085,000 | $ 192,000 | $ 99,000 |
| Worcester County Massachusetts | 137 | $ 39,235,000 | $ 286,000 | $ 111,000 |
| Suffolk County Massachusetts | 134 | $ 93,710,000 | $ 699,000 | $ 111,000 |
| Middlesex County New Jersey | 129 | $ 130,865,000 | $ 1,014,000 | $ 121,000 |
| Plymouth County Massachusetts | 122 | $ 29,860,000 | $ 244,000 | $ 131,000 |
| Providence County Rhode Island | 121 | $ 20,725,000 | $ 171,000 | $ 81,000 |
| Berks County Pennsylvania | 120 | $ 14,520,000 | $ 121,000 | $ 85,000 |
| Norfolk County Massachusetts | 113 | $ 31,665,000 | $ 280,000 | $ 178,000 |
| Montgomery County Pennsylvania | 109 | $ 82,055,000 | $ 752,000 | $ 136,000 |
| Bucks County Pennsylvania | 105 | $ 117,795,000 | $ 1,121,000 | $ 141,000 |
| Hartford County Connecticut | 93 | $ 206,025,000 | $ 2,215,000 | $ 88,000 |
| Union County New Jersey | 83 | $ 34,245,000 | $ 412,000 | $ 139,000 |
| Essex County New Jersey | 81 | $ 48,745,000 | $ 601,000 | $ 185,000 |
| Mercer County New Jersey | 76 | $ 16,190,000 | $ 213,000 | $ 156,000 |
| York County Pennsylvania | 72 | $ 9,150,000 | $ 127,000 | $ 86,000 |
| Lancaster County Pennsylvania | 70 | $ 45,590,000 | $ 651,000 | $ 109,000 |
| Barnstable County Massachusetts | 69 | $ 14,735,000 | $ 213,000 | $ 118,000 |
| Queens County New York | 69 | $ 55,475,000 | $ 803,000 | $ 141,000 |
| Delaware County Pennsylvania | 68 | $ 51,610,000 | $ 758,000 | $ 122,000 |
| Rockingham County New Hampshire | 62 | $ 15,440,000 | $ 249,000 | $ 126,000 |
| Chester County Pennsylvania | 61 | $ 74,925,000 | $ 1,228,000 | $ 149,000 |
| Camden County New Jersey | 60 | $ 82,360,000 | $ 1,372,000 | $ 103,000 |
| Hillsborough County New Hampshire | 48 | $ 7,990,000 | $ 166,000 | $ 87,000 |
| Morris County New Jersey | 47 | $ 10,335,000 | $ 219,000 | $ 140,000 |
| New York County New York | 45 | $ 314,395,000 | $ 6,986,000 | $ 387,000 |
| Suffolk County New York | 44 | $ 13,830,000 | $ 314,000 | $ 133,000 |
| Northampton County Pennsylvania | 44 | $ 6,190,000 | $ 140,000 | $ 102,000 |
| Burlington County New Jersey | 41 | $ 34,625,000 | $ 844,000 | $ 114,000 |
| Nassau County New York | 41 | $ 15,965,000 | $ 389,000 | $ 305,000 |
| Miami-Dade County Florida | 38 | $ 102,730,000 | $ 2,703,000 | $ 141,000 |
| Cumberland County Pennsylvania | 38 | $ 11,270,000 | $ 296,000 | $ 115,000 |
| Kent County Rhode Island | 37 | $ 6,805,000 | $ 183,000 | $ 143,000 |
| New Castle County Delaware | 36 | $ 47,730,000 | $ 1,325,000 | $ 90,000 |
| Bergen County New Jersey | 36 | $ 21,790,000 | $ 605,000 | $ 144,000 |
| Lehigh County Pennsylvania | 36 | $ 5,300,000 | $ 147,000 | $ 85,000 |
| Hudson County New Jersey | 33 | $ 13,725,000 | $ 415,000 | $ 159,000 |
| Dauphin County Pennsylvania | 30 | $ 4,030,000 | $ 134,000 | $ 83,000 |
| Somerset County New Jersey | 28 | $ 7,590,000 | $ 271,000 | $ 163,000 |
| Schuylkill County Pennsylvania | 28 | $ 2,920,000 | $ 104,000 | $ 106,000 |
| Bronx County New York | 25 | $ 145,365,000 | $ 5,814,000 | $ 92,000 |
| Newport County Rhode Island | 24 | $ 7,100,000 | $ 295,000 | $ 263,000 |
| Washington County Rhode Island | 24 | $ 5,830,000 | $ 242,000 | $ 133,000 |
| New Haven County Connecticut | 22 | $ 21,270,000 | $ 966,000 | $ 79,000 |
| Dukes County Massachusetts | 21 | $ 8,785,000 | $ 418,000 | $ 155,000 |
| Sussex County New Jersey | 21 | $ 4,055,000 | $ 193,000 | $ 133,000 |
| Bristol County Rhode Island | 20 | $ 5,170,000 | $ 258,000 | $ 217,000 |
| Westchester County New York | 13 | $ 44,815,000 | $ 3,447,000 | $ 238,000 |
| Lebanon County Pennsylvania | 13 | $ 11,135,000 | $ 856,000 | $ 67,000 |
| Hampden County Massachusetts | 12 | $ 1,200,000 | $ 100,000 | $ 85,000 |
| Gloucester County New Jersey | 12 | $ 7,830,000 | $ 652,000 | $ 75,000 |
| Passaic County New Jersey | 11 | $ 2,315,000 | $ 210,000 | $ 162,000 |
| Harris County Texas | 10 | $ 253,730,000 | $ 25,373,000 | $ 0 |
| Broward County Florida | 9 | $ 142,325,000 | $ 15,813,000 | $ 188,000 |
| Fairfield County Connecticut | 8 | $ 5,770,000 | $ 721,000 | $ 391,000 |
| Tolland County Connecticut | 8 | $ 44,580,000 | $ 5,572,000 | $ 117,000 |
| Merrimack County New Hampshire | 8 | $ 1,400,000 | $ 175,000 | $ 122,000 |
| Rockland County New York | 8 | $ 28,010,000 | $ 3,501,000 | $ 142,000 |
| Middlesex County Connecticut | 7 | $ 2,275,000 | $ 325,000 | $ 192,000 |
| Atlantic County New Jersey | 7 | $ 2,275,000 | $ 325,000 | $ 171,000 |
| Hunterdon County New Jersey | 7 | $ 1,525,000 | $ 217,000 | $ 136,000 |
| Mecklenburg County North Carolina | 7 | $ 21,685,000 | $ 3,097,000 | $ 203,000 |
| Palm Beach County Florida | 5 | $ 10,945,000 | $ 2,189,000 | $ 102,000 |
| Cape May County New Jersey | 5 | $ 825,000 | $ 165,000 | $ 140,000 |
| Collier County Florida | 4 | $ 1,240,000 | $ 310,000 | $ 128,000 |
| St. Lucie County Florida | 4 | $ 1,060,000 | $ 265,000 | $ 128,000 |
| Baltimore City County Maryland | 4 | $ 55,580,000 | $ 13,895,000 | $ 70,000 |
| Nantucket County Massachusetts | 4 | $ 2,470,000 | $ 617,000 | $ 165,000 |
| Warren County New Jersey | 4 | $ 310,000 | $ 77,000 | $ 103,000 |
| Erie County New York | 4 | $ 420,000 | $ 105,000 | $ 55,000 |
| Saratoga County New York | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| Litchfield County Connecticut | 3 | $ 435,000 | $ 145,000 | $ 176,000 |
| Sussex County Delaware | 3 | $ 815,000 | $ 271,000 | $ 116,000 |
| Lee County Florida | 3 | $ 60,485,000 | $ 20,161,000 | $ 308,000 |
| Orange County Florida | 3 | $ 96,535,000 | $ 32,178,000 | $ 316,000 |
| Seminole County Florida | 3 | $ 60,505,000 | $ 20,168,000 | $ 168,000 |
| DeKalb County Georgia | 3 | $ 51,665,000 | $ 17,221,000 | $ 0 |
| Albany County New York | 3 | $ 325,000 | $ 108,000 | $ 54,000 |
| Putnam County New York | 3 | $ 665,000 | $ 221,000 | $ 109,000 |
| Guilford County North Carolina | 3 | $ 25,035,000 | $ 8,345,000 | $ 78,000 |
| Pike County Pennsylvania | 3 | $ 295,000 | $ 98,000 | $ 93,000 |
| Dallas County Texas | 3 | $ 33,615,000 | $ 11,205,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 89,160,000 | $ 44,580,000 | $ 0 |
| Los Angeles County California | 2 | $ 21,640,000 | $ 10,820,000 | $ 0 |
| Denver County Colorado | 2 | $ 23,360,000 | $ 11,680,000 | $ 126,000 |
| New London County Connecticut | 2 | $ 2,030,000 | $ 1,015,000 | $ 253,000 |
| Windham County Connecticut | 2 | $ 200,000 | $ 100,000 | $ 77,000 |
| Kent County Delaware | 2 | $ 530,000 | $ 265,000 | $ 57,000 |
| Brevard County Florida | 2 | $ 1,030,000 | $ 515,000 | $ 147,000 |
| Charlotte County Florida | 2 | $ 180,000 | $ 90,000 | $ 27,000 |
| Flagler County Florida | 2 | $ 300,000 | $ 150,000 | $ 35,000 |
| Hillsborough County Florida | 2 | $ 124,640,000 | $ 62,320,000 | $ 0 |
| Indian River County Florida | 2 | $ 2,550,000 | $ 1,275,000 | $ 647,000 |
| Pasco County Florida | 2 | $ 420,000 | $ 210,000 | $ 90,000 |
| Cook County Illinois | 2 | $ 430,000 | $ 215,000 | $ 330,000 |
| Baltimore County Maryland | 2 | $ 18,560,000 | $ 9,280,000 | $ 44,000 |
| Harford County Maryland | 2 | $ 7,380,000 | $ 3,690,000 | $ 39,000 |
| Montgomery County Maryland | 2 | $ 1,290,000 | $ 645,000 | $ 612,000 |
| Worcester County Maryland | 2 | $ 340,000 | $ 170,000 | $ 120,000 |
| Berkshire County Massachusetts | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Macomb County Michigan | 2 | $ 14,540,000 | $ 7,270,000 | $ 85,000 |
| St. Louis City County Missouri | 2 | $ 13,380,000 | $ 6,690,000 | $ 0 |
| Belknap County New Hampshire | 2 | $ 1,010,000 | $ 505,000 | $ 139,000 |
| Carroll County New Hampshire | 2 | $ 280,000 | $ 140,000 | $ 91,000 |
| Fulton County New York | 2 | $ 290,000 | $ 145,000 | $ 125,000 |
| Onondaga County New York | 2 | $ 56,300,000 | $ 28,150,000 | $ 160,000 |
| Otsego County New York | 2 | $ 610,000 | $ 305,000 | $ 301,000 |
| Rensselaer County New York | 2 | $ 6,430,000 | $ 3,215,000 | $ 70,000 |
| Wake County North Carolina | 2 | $ 46,270,000 | $ 23,135,000 | $ 162,000 |
| Adams County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 163,000 |
| Centre County Pennsylvania | 2 | $ 11,700,000 | $ 5,850,000 | $ 64,000 |
| Franklin County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 34,000 |
| Monroe County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 67,000 |
| Perry County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 73,000 |
| Wayne County Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 99,000 |
| Georgetown County South Carolina | 2 | $ 790,000 | $ 395,000 | $ 122,000 |
| Fairfax County Virginia | 2 | $ 2,940,000 | $ 1,470,000 | $ 278,000 |
| Pinal County Arizona | 1 | $ 395,000 | $ 395,000 | $ 222,000 |
| Fresno County California | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Ventura County California | 1 | $ 385,000 | $ 385,000 | $ 90,000 |
| Arapahoe County Colorado | 1 | $ 31,905,000 | $ 31,905,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 25,205,000 | $ 25,205,000 | $ 0 |
| Duval County Florida | 1 | $ 445,000 | $ 445,000 | $ 511,000 |
| Hernando County Florida | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Lake County Florida | 1 | $ 605,000 | $ 605,000 | $ 109,000 |
| Manatee County Florida | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Monroe County Florida | 1 | $ 20,885,000 | $ 20,885,000 | $ 0 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Pinellas County Florida | 1 | $ 385,000 | $ 385,000 | $ 114,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 194,000 |
| Walton County Florida | 1 | $ 415,000 | $ 415,000 | $ 248,000 |
| Chatham County Georgia | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Fulton County Georgia | 1 | $ 32,405,000 | $ 32,405,000 | $ 0 |
| Habersham County Georgia | 1 | $ 19,175,000 | $ 19,175,000 | $ 0 |
| Hall County Georgia | 1 | $ 29,505,000 | $ 29,505,000 | $ 0 |
| Sangamon County Illinois | 1 | $ 14,305,000 | $ 14,305,000 | $ 0 |
| Tippecanoe County Indiana | 1 | $ 10,635,000 | $ 10,635,000 | $ 0 |
| Cumberland County Maine | 1 | $ 435,000 | $ 435,000 | $ 293,000 |
| Franklin County Maine | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Kennebec County Maine | 1 | $ 445,000 | $ 445,000 | $ 800,000 |
| Oxford County Maine | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| York County Maine | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Carroll County Maryland | 1 | $ 615,000 | $ 615,000 | $ 215,000 |
| Prince George's County Maryland | 1 | $ 10,685,000 | $ 10,685,000 | $ 0 |
| St. Mary's County Maryland | 1 | $ 365,000 | $ 365,000 | $ 349,000 |
| St. Clair County Michigan | 1 | $ 15,305,000 | $ 15,305,000 | $ 0 |
| Wayne County Michigan | 1 | $ 8,005,000 | $ 8,005,000 | $ 0 |
| Aitkin County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Hennepin County Minnesota | 1 | $ 27,005,000 | $ 27,005,000 | $ 0 |
| Clark County Nevada | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Cheshire County New Hampshire | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Coos County New Hampshire | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Grafton County New Hampshire | 1 | $ 205,000 | $ 205,000 | $ 309,000 |
| Strafford County New Hampshire | 1 | $ 335,000 | $ 335,000 | $ 155,000 |
| Sullivan County New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Columbia County New York | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Dutchess County New York | 1 | $ 335,000 | $ 335,000 | $ 206,000 |
| Franklin County New York | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Greene County New York | 1 | $ 235,000 | $ 235,000 | $ 369,000 |
| Orange County New York | 1 | $ 315,000 | $ 315,000 | $ 121,000 |
| Sullivan County New York | 1 | $ 225,000 | $ 225,000 | $ 231,000 |
| Ulster County New York | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Warren County New York | 1 | $ 295,000 | $ 295,000 | $ 265,000 |
| Buncombe County North Carolina | 1 | $ 12,515,000 | $ 12,515,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 33,755,000 | $ 33,755,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Union County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Hamilton County Ohio | 1 | $ 6,175,000 | $ 6,175,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 15,755,000 | $ 15,755,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 8,005,000 | $ 8,005,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Clinton County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Columbia County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 122,000 |
| Elk County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Northumberland County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Susquehanna County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Beaufort County South Carolina | 1 | $ 645,000 | $ 645,000 | $ 97,000 |
| Fairfield County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Richland County South Carolina | 1 | $ 26,155,000 | $ 26,155,000 | $ 0 |
| York County South Carolina | 1 | $ 33,005,000 | $ 33,005,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Rutherford County Tennessee | 1 | $ 42,605,000 | $ 42,605,000 | $ 0 |
| Bexar County Texas | 1 | $ 15,855,000 | $ 15,855,000 | $ 0 |
| Collin County Texas | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Denton County Texas | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Kendall County Texas | 1 | $ 985,000 | $ 985,000 | $ 684,000 |
| Uvalde County Texas | 1 | $ 175,000 | $ 175,000 | $ 684,000 |
| Alexandria County Virginia | 1 | $ 23,005,000 | $ 23,005,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 845,000 | $ 845,000 | $ 207,000 |
| Mingo County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Ozaukee County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 612,000 |
Mortgage Loan Application Detail Totals for Santander Bank, N.A. in 2022
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 | 1,572 | $3,067,120,000 | $1,951,000 | $73,505,000 | $125,000 | $1,601,000 |
| Home Improvement | 936 | $158,080,000 | $168,000 | $1,105,000 | $141,000 | $3,157,000 |
| Home Purchase | 931 | $1,219,935,000 | $1,310,000 | $69,655,000 | $138,000 | $2,238,000 |
| Cash-out Refinancing | 799 | $224,565,000 | $281,000 | $1,475,000 | $120,000 | $2,046,000 |
| Other Purpose | 495 | $83,955,000 | $169,000 | $965,000 | $132,000 | $918,000 |
| 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 | 2,541 | $609,285,000 | $239,000 | $2,355,000 | $139,000 | $2,238,000 |
| Not applicable | 680 | $3,755,390,000 | $5,522,000 | $73,505,000 | $93,000 | $305,000 |
| Not Provided | 672 | $173,520,000 | $258,000 | $3,575,000 | $141,000 | $1,600,000 |
| Hispanic | 348 | $71,640,000 | $205,000 | $785,000 | $97,000 | $3,157,000 |
| Asian | 260 | $93,670,000 | $360,000 | $2,335,000 | $177,000 | $1,301,000 |
| Black or African American | 223 | $48,445,000 | $217,000 | $865,000 | $86,000 | $493,000 |
| American Indian or Alaskan Native | 6 | $1,210,000 | $201,000 | $305,000 | $99,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $340,000 | $170,000 | $285,000 | $139,000 | $169,000 |
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) | 4,669 | $4,737,115,000 | $1,014,000 | $73,505,000 | $132,000 | $3,157,000 |
| FHA-insured (Federal Housing Administration) | 59 | $15,075,000 | $255,000 | $835,000 | $69,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,465,000 | $293,000 | $455,000 | $80,000 | $104,000 |
| 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 | 2,449 | $3,612,005,000 | $1,474,000 | $73,505,000 | $150,000 | $3,157,000 |
| Application Denied By Financial Institution | 1,351 | $604,795,000 | $447,000 | $40,005,000 | $108,000 | $1,600,000 |
| Loan Purchased By The Institution | 465 | $117,485,000 | $252,000 | $725,000 | $93,000 | $305,000 |
| Application Withdrawn By Applicant | 313 | $313,735,000 | $1,002,000 | $49,005,000 | $147,000 | $1,379,000 |
| File Closed For Incompleteness | 114 | $32,120,000 | $281,000 | $935,000 | $124,000 | $500,000 |
| Application Approved But Not Accepted | 40 | $71,510,000 | $1,787,000 | $14,155,000 | $147,000 | $492,000 |
| Preapproval Denied by Financial Institution | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $702,000 | $702,000 |
| Preapproval Approved but not Accepted | 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 | 3,381 | $4,146,855,000 | $1,226,000 | $73,505,000 | $140,000 | $3,157,000 |
| Debt-To-Income Ratio | 477 | $114,355,000 | $239,000 | $2,005,000 | $79,000 | $526,000 |
| Credit Application Incomplete | 360 | $294,150,000 | $817,000 | $40,005,000 | $129,000 | $1,600,000 |
| Other | 194 | $117,230,000 | $604,000 | $17,075,000 | $125,000 | $1,118,000 |
| Collateral | 169 | $49,385,000 | $292,000 | $14,305,000 | $143,000 | $918,000 |
| Credit History | 80 | $11,330,000 | $141,000 | $595,000 | $86,000 | $287,000 |
| Unverifiable Information | 56 | $16,770,000 | $299,000 | $1,005,000 | $117,000 | $875,000 |
| Employment History | 8 | $1,800,000 | $225,000 | $485,000 | $50,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,780,000 | $222,000 | $405,000 | $62,000 | $104,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santander Bank, N.A.'s 2022 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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