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Act (HMDA) records Santander Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 4,730 | $ 2,817,300,000 | $ 595,623 | $ 159,795 |
| New York-Newark, NY | 3,781 | $ 829,375,000 | $ 219,353 | $ 135,740 |
| Cambridge-Newton-Framingham, MA | 3,461 | $ 1,007,075,000 | $ 290,978 | $ 140,000 |
| Boston, MA | 2,976 | $ 851,500,000 | $ 286,122 | $ 151,000 |
| Providence-Warwick, RI-MA | 2,593 | $ 437,305,000 | $ 168,648 | $ 110,596 |
| Montgomery County-Bucks County-Chester County, PA | 1,561 | $ 474,705,000 | $ 304,103 | $ 163,000 |
| Newark, NJ-PA | 1,549 | $ 423,955,000 | $ 273,695 | $ 134,838 |
| Philadelphia, PA | 1,496 | $ 397,080,000 | $ 265,427 | $ 112,000 |
| Worcester, MA-CT | 1,016 | $ 185,000,000 | $ 182,086 | $ 112,249 |
| Outside any metro area | 851 | $ 152,995,000 | $ 179,782 | $ 136,153 |
| Reading, PA | 688 | $ 81,650,000 | $ 118,677 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 620 | $ 104,610,000 | $ 168,725 | $ 114,000 |
| Nassau County-Suffolk County, NY | 588 | $ 259,520,000 | $ 441,360 | $ 214,000 |
| Camden, NJ | 536 | $ 133,720,000 | $ 249,477 | $ 96,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 531 | $ 79,815,000 | $ 150,310 | $ 100,881 |
| Trenton, NJ | 507 | $ 96,705,000 | $ 190,739 | $ 134,000 |
| Barnstable Town, MA | 421 | $ 99,445,000 | $ 236,211 | $ 168,000 |
| Rockingham County-Strafford County, NH | 386 | $ 75,560,000 | $ 195,751 | $ 122,000 |
| Harrisburg-Carlisle, PA | 380 | $ 46,160,000 | $ 121,473 | $ 77,000 |
| Manchester-Nashua, NH | 277 | $ 44,535,000 | $ 160,776 | $ 117,000 |
| York-Hanover, PA | 273 | $ 28,585,000 | $ 104,706 | $ 85,000 |
| Lancaster, PA | 259 | $ 31,925,000 | $ 123,262 | $ 96,000 |
| Albany-Schenectady-Troy, NY | 191 | $ 40,385,000 | $ 211,439 | $ 113,000 |
| New Haven-Milford, CT | 158 | $ 47,420,000 | $ 300,126 | $ 88,000 |
| Bridgeport-Stamford-Norwalk, CT | 141 | $ 69,855,000 | $ 495,425 | $ 336,000 |
| Wilmington, DE-MD-NJ | 133 | $ 71,385,000 | $ 536,729 | $ 118,639 |
| Baltimore-Columbia-Towson, MD | 130 | $ 152,610,000 | $ 1,173,923 | $ 235,000 |
| Williamsport, PA | 113 | $ 11,075,000 | $ 98,008 | $ 83,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 111 | $ 110,105,000 | $ 991,936 | $ 261,360 |
| Springfield, MA | 91 | $ 24,805,000 | $ 272,582 | $ 90,000 |
| Lebanon, PA | 90 | $ 8,970,000 | $ 99,666 | $ 72,000 |
| Washington-Baltimore-Arlington, DC | 63 | $ 95,075,000 | $ 1,509,126 | $ 292,000 |
| Ocean City, NJ | 59 | $ 21,475,000 | $ 363,983 | $ 238,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 56 | $ 8,650,000 | $ 154,464 | $ 104,000 |
| Atlantic City-Hammonton, NJ | 51 | $ 11,835,000 | $ 232,058 | $ 229,000 |
| East Stroudsburg, PA | 38 | $ 23,670,000 | $ 622,894 | $ 123,000 |
| State College, PA | 36 | $ 5,520,000 | $ 153,333 | $ 125,000 |
| Portland-South Portland, ME | 34 | $ 11,690,000 | $ 343,823 | $ 196,000 |
| Salisbury, MD-DE | 33 | $ 13,645,000 | $ 413,484 | $ 340,363 |
| Rochester, NY | 26 | $ 4,600,000 | $ 176,923 | $ 125,000 |
| Norwich-New London, CT | 25 | $ 4,965,000 | $ 198,600 | $ 179,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 25 | $ 3,005,000 | $ 120,200 | $ 97,000 |
| Pittsfield, MA | 24 | $ 6,830,000 | $ 284,583 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 3,435,000 | $ 180,789 | $ 229,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 5,755,000 | $ 302,894 | $ 330,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 24,640,000 | $ 1,368,888 | $ 293,000 |
| Bloomsburg-Berwick, PA | 17 | $ 2,515,000 | $ 147,941 | $ 157,000 |
| Gettysburg, PA | 17 | $ 2,145,000 | $ 126,176 | $ 73,000 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 13,055,000 | $ 767,941 | $ 140,000 |
| Naples-Immokalee-Marco Island, FL | 16 | $ 5,620,000 | $ 351,250 | $ 231,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,770,000 | $ 197,857 | $ 182,000 |
| Pittsburgh, PA | 13 | $ 1,485,000 | $ 114,230 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 7,225,000 | $ 555,769 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 4,500,000 | $ 375,000 | $ 219,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 3,645,000 | $ 331,363 | $ 387,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,565,000 | $ 233,181 | $ 145,000 |
| Burlington-South Burlington, VT | 10 | $ 3,460,000 | $ 346,000 | $ 166,000 |
| Glens Falls, NY | 10 | $ 1,760,000 | $ 176,000 | $ 208,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 3,140,000 | $ 314,000 | $ 226,000 |
| Jacksonville, FL | 9 | $ 1,635,000 | $ 181,666 | $ 168,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,375,000 | $ 152,777 | $ 117,000 |
| Richmond, VA | 9 | $ 2,685,000 | $ 298,333 | $ 312,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 1,575,000 | $ 175,000 | $ 278,000 |
| Chambersburg-Waynesboro, PA | 8 | $ 1,330,000 | $ 166,250 | $ 104,000 |
| Chicago-Naperville, IL | 8 | $ 1,230,000 | $ 153,750 | $ 189,000 |
| Kingston, NY | 8 | $ 970,000 | $ 121,250 | $ 125,000 |
| Port St. Lucie, FL | 8 | $ 1,370,000 | $ 171,250 | $ 157,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,115,000 | $ 159,285 | $ 82,285 |
| Dover, DE | 6 | $ 1,480,000 | $ 246,666 | $ 102,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 80,000 | $ 13,333 | $ 132,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 935,000 | $ 187,000 | $ 202,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 2,015,000 | $ 403,000 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 475,000 | $ 95,000 | $ 137,000 |
| New Orleans-Metairie, LA | 5 | $ 85,000 | $ 17,000 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 745,000 | $ 149,000 | $ 112,000 |
| Syracuse, NY | 5 | $ 355,000 | $ 71,000 | $ 84,000 |
| Vineland-Bridgeton, NJ | 5 | $ 6,125,000 | $ 1,225,000 | $ 96,000 |
| Binghamton, NY | 4 | $ 560,000 | $ 140,000 | $ 183,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 630,000 | $ 157,500 | $ 79,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 120,000 | $ 30,000 | $ 248,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 600,000 | $ 150,000 | $ 151,000 |
| Utica-Rome, NY | 4 | $ 510,000 | $ 127,500 | $ 88,000 |
| Altoona, PA | 3 | $ 105,000 | $ 35,000 | $ 68,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,035,000 | $ 345,000 | $ 231,000 |
| Austin-Round Rock, TX | 3 | $ 235,000 | $ 78,333 | $ 79,000 |
| Baton Rouge, LA | 3 | $ 45,000 | $ 15,000 | $ 45,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 295,000 | $ 98,333 | $ 79,000 |
| Columbia, SC | 3 | $ 245,000 | $ 81,666 | $ 201,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 535,000 | $ 178,333 | $ 105,000 |
| Durham-Chapel Hill, NC | 3 | $ 635,000 | $ 211,666 | $ 185,000 |
| Fort Worth-Arlington, TX | 3 | $ 55,000 | $ 18,333 | $ 134,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 105,000 | $ 35,000 | $ 63,000 |
| Memphis, TN-MS-AR | 3 | $ 65,000 | $ 21,666 | $ 42,333 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,535,000 | $ 511,666 | $ 134,000 |
| Oklahoma City, OK | 3 | $ 65,000 | $ 21,666 | $ 61,000 |
| Sebastian-Vero Beach, FL | 3 | $ 2,025,000 | $ 675,000 | $ 1,135,000 |
| Wichita, KS | 3 | $ 45,000 | $ 15,000 | $ 201,000 |
| Wilmington, NC | 3 | $ 455,000 | $ 151,666 | $ 139,000 |
| Asheville, NC | 2 | $ 70,000 | $ 35,000 | $ 41,000 |
| Birmingham-Hoover, AL | 2 | $ 300,000 | $ 150,000 | $ 106,000 |
| Bowling Green, KY | 2 | $ 150,000 | $ 75,000 | $ 881,000 |
| California-Lexington Park, MD | 2 | $ 760,000 | $ 380,000 | $ 128,000 |
| Charleston-North Charleston, SC | 2 | $ 510,000 | $ 255,000 | $ 72,000 |
| Cincinnati, OH-KY-IN | 2 | $ 180,000 | $ 90,000 | $ 90,000 |
| Cleveland-Elyria, OH | 2 | $ 30,000 | $ 15,000 | $ 47,000 |
| Colorado Springs, CO | 2 | $ 430,000 | $ 215,000 | $ 74,000 |
| Columbus, OH | 2 | $ 240,000 | $ 120,000 | $ 108,000 |
| Elgin, IL | 2 | $ 9,140,000 | $ 4,570,000 | $ 55,000 |
| Elmira, NY | 2 | $ 50,000 | $ 25,000 | $ 86,000 |
| Mobile, AL | 2 | $ 30,000 | $ 15,000 | $ 738,000 |
| Ocala, FL | 2 | $ 190,000 | $ 95,000 | $ 54,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 20,000 | $ 10,000 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 270,000 | $ 135,000 | $ 61,000 |
| Provo-Orem, UT | 2 | $ 600,000 | $ 300,000 | $ 213,000 |
| Punta Gorda, FL | 2 | $ 280,000 | $ 140,000 | $ 118,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 70,000 | $ 35,000 | $ 79,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,000,000 | $ 500,000 | $ 237,000 |
| Savannah, GA | 2 | $ 280,000 | $ 140,000 | $ 114,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 450,000 | $ 225,000 | $ 186,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 200,000 | $ 100,000 | $ 109,000 |
| Albuquerque, NM | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Ann Arbor, MI | 1 | $ 265,000 | $ 265,000 | $ 176,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| Bangor, ME | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Bellingham, WA | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Boulder, CO | 1 | $ 435,000 | $ 435,000 | $ 942,000 |
| Clarksville, TN-KY | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Cleveland, TN | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Columbia, MO | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Columbus, GA-AL | 1 | $ 5,000 | $ 5,000 | $ 370,000 |
| Dallas-Plano-Irving, TX | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Dalton, GA | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 115,000 | $ 115,000 | $ 0 |
| El Paso, TX | 1 | $ 15,000 | $ 15,000 | $ 99,000 |
| Elkhart-Goshen, IN | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Erie, PA | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Fargo, ND-MN | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Fayetteville, NC | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Fond Du Lac, WI | 1 | $ 55,000 | $ 55,000 | $ 338,000 |
| Fort Smith, AR-OK | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Fort Wayne, IN | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Gainesville, GA | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Gary, IN | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Greensboro-High Point, NC | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Homosassa Springs, FL | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Houma-Thibodaux, LA | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 85,000 | $ 85,000 | $ 439,000 |
| Ithaca, NY | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Johnstown, PA | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Kansas City, MO-KS | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Lafayette, LA | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 135,000 | $ 135,000 | $ 23,000 |
| Lansing-East Lansing, MI | 1 | $ 15,000 | $ 15,000 | $ 8,000 |
| Mansfield, OH | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Montgomery, AL | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Pocatello, ID | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Raleigh, NC | 1 | $ 235,000 | $ 235,000 | $ 173,000 |
| Reno, NV | 1 | $ 15,000 | $ 15,000 | $ 182,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| San Antonio-New Braunfels, TX | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| San Diego-Carlsbad, CA | 1 | $ 495,000 | $ 495,000 | $ 97,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 305,000 | $ 305,000 | $ 1,900,000 |
| Santa Rosa, CA | 1 | $ 205,000 | $ 205,000 | $ 185,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Shreveport-Bossier City, LA | 1 | $ 5,000 | $ 5,000 | $ 114,000 |
| St. Louis, MO-IL | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Staunton-Waynesboro, VA | 1 | $ 225,000 | $ 225,000 | $ 225,000 |
| Sumter, SC | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Tacoma-Lakewood, WA | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Texarkana, TX-AR | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| The Villages, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Toledo, OH | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Topeka, KS | 1 | $ 15,000 | $ 15,000 | $ 114,000 |
| Tucson, AZ | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Tulsa, OK | 1 | $ 15,000 | $ 15,000 | $ 78,000 |
| Waco, TX | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Winchester, VA-WV | 1 | $ 15,000 | $ 15,000 | $ 127,000 |
| Winston-Salem, NC | 1 | $ 10,375,000 | $ 10,375,000 | $ 0 |
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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