The Columbia Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
The Columbia Bank 2016 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 | The Columbia Bank 7168 Columbia Gateway Drive Columbia, MD 21046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,097 |
| Total Mortgage Loan Application Amount | $411,421,000 |
| Average Mortgage Loan Application Amount | $321,666 |
| Highest Mortgage Loan Application Amount | $11,325,000 |
| Average Applicant Income | $154,000 |
| Highest Applicant Income | $1,850,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with The Columbia Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Columbia Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down The Columbia Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Columbia Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Columbia Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Columbia Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Howard County Maryland | 206 | $ 82,558,000 | $ 400,000 | $ 154,000 |
| Baltimore County Maryland | 149 | $ 48,689,000 | $ 326,000 | $ 156,000 |
| Anne Arundel County Maryland | 112 | $ 41,836,000 | $ 373,000 | $ 137,000 |
| Harford County Maryland | 97 | $ 24,881,000 | $ 256,000 | $ 109,000 |
| Montgomery County Maryland | 96 | $ 56,783,000 | $ 591,000 | $ 227,000 |
| Washington County Maryland | 95 | $ 14,803,000 | $ 155,000 | $ 104,000 |
| Baltimore City County Maryland | 69 | $ 28,093,000 | $ 407,000 | $ 117,000 |
| Carroll County Maryland | 40 | $ 13,786,000 | $ 344,000 | $ 158,000 |
| Cecil County Maryland | 28 | $ 8,254,000 | $ 294,000 | $ 110,000 |
| District of Columbia County District Of Columbia | 25 | $ 16,114,000 | $ 644,000 | $ 219,000 |
| Frederick County Maryland | 22 | $ 6,649,000 | $ 302,000 | $ 118,000 |
| Prince George's County Maryland | 19 | $ 6,074,000 | $ 319,000 | $ 122,000 |
| Queen Anne's County Maryland | 12 | $ 4,119,000 | $ 343,000 | $ 167,000 |
| Fairfax County Virginia | 12 | $ 9,876,000 | $ 823,000 | $ 297,000 |
| York County Pennsylvania | 10 | $ 1,936,000 | $ 193,000 | $ 67,000 |
| Worcester County Maryland | 9 | $ 2,412,000 | $ 268,000 | $ 191,000 |
| Sussex County Delaware | 8 | $ 1,923,000 | $ 240,000 | $ 210,000 |
| Talbot County Maryland | 5 | $ 1,710,000 | $ 342,000 | $ 294,000 |
| Philadelphia County Pennsylvania | 5 | $ 2,710,000 | $ 542,000 | $ 186,000 |
| Bergen County New Jersey | 4 | $ 3,338,000 | $ 834,000 | $ 321,000 |
| Arlington County Virginia | 4 | $ 3,525,000 | $ 881,000 | $ 456,000 |
| Fairfax City County Virginia | 4 | $ 1,117,000 | $ 279,000 | $ 188,000 |
| Berkeley County West Virginia | 4 | $ 399,000 | $ 99,000 | $ 66,000 |
| New Castle County Delaware | 3 | $ 186,000 | $ 62,000 | $ 40,000 |
| Calvert County Maryland | 3 | $ 816,000 | $ 272,000 | $ 86,000 |
| Garrett County Maryland | 3 | $ 349,000 | $ 116,000 | $ 100,000 |
| Middlesex County New Jersey | 3 | $ 2,910,000 | $ 970,000 | $ 448,000 |
| Franklin County Pennsylvania | 3 | $ 556,000 | $ 185,000 | $ 43,000 |
| Alexandria County Virginia | 3 | $ 1,550,000 | $ 516,000 | $ 215,000 |
| Essex County New Jersey | 2 | $ 1,580,000 | $ 790,000 | $ 299,000 |
| Monmouth County New Jersey | 2 | $ 1,630,000 | $ 815,000 | $ 284,000 |
| Dauphin County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 71,000 |
| Delaware County Pennsylvania | 2 | $ 1,170,000 | $ 585,000 | $ 167,000 |
| Fulton County Pennsylvania | 2 | $ 314,000 | $ 157,000 | $ 67,000 |
| Montgomery County Pennsylvania | 2 | $ 1,710,000 | $ 855,000 | $ 263,000 |
| Hanover County Virginia | 2 | $ 832,000 | $ 416,000 | $ 304,000 |
| Loudoun County Virginia | 2 | $ 1,545,000 | $ 772,000 | $ 282,000 |
| Allegany County Maryland | 1 | $ 280,000 | $ 280,000 | $ 601,000 |
| Charles County Maryland | 1 | $ 141,000 | $ 141,000 | $ 139,000 |
| St. Mary's County Maryland | 1 | $ 752,000 | $ 752,000 | $ 327,000 |
| Atlantic County New Jersey | 1 | $ 1,500,000 | $ 1,500,000 | $ 345,000 |
| Camden County New Jersey | 1 | $ 537,000 | $ 537,000 | $ 325,000 |
| Hunterdon County New Jersey | 1 | $ 597,000 | $ 597,000 | $ 271,000 |
| Mercer County New Jersey | 1 | $ 1,195,000 | $ 1,195,000 | $ 306,000 |
| Morris County New Jersey | 1 | $ 748,000 | $ 748,000 | $ 190,000 |
| Somerset County New Jersey | 1 | $ 640,000 | $ 640,000 | $ 273,000 |
| Sussex County New Jersey | 1 | $ 580,000 | $ 580,000 | $ 300,000 |
| Bedford County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Bucks County Pennsylvania | 1 | $ 780,000 | $ 780,000 | $ 264,000 |
| Centre County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Chester County Pennsylvania | 1 | $ 900,000 | $ 900,000 | $ 290,000 |
| Cumberland County Pennsylvania | 1 | $ 596,000 | $ 596,000 | $ 337,000 |
| Lancaster County Pennsylvania | 1 | $ 243,000 | $ 243,000 | $ 132,000 |
| Lebanon County Pennsylvania | 1 | $ 410,000 | $ 410,000 | $ 359,000 |
| Lehigh County Pennsylvania | 1 | $ 746,000 | $ 746,000 | $ 250,000 |
| Accomack County Virginia | 1 | $ 185,000 | $ 185,000 | $ 148,000 |
| Chesterfield County Virginia | 1 | $ 411,000 | $ 411,000 | $ 228,000 |
| Falls Church County Virginia | 1 | $ 1,064,000 | $ 1,064,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 288,000 | $ 288,000 | $ 107,000 |
| King George County Virginia | 1 | $ 240,000 | $ 240,000 | $ 49,000 |
| Lancaster County Virginia | 1 | $ 275,000 | $ 275,000 | $ 501,000 |
| Montgomery County Virginia | 1 | $ 194,000 | $ 194,000 | $ 159,000 |
| Roanoke City County Virginia | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Spotsylvania County Virginia | 1 | $ 280,000 | $ 280,000 | $ 257,000 |
| Morgan County West Virginia | 1 | $ 151,000 | $ 151,000 | $ 208,000 |
Mortgage Loan Application Detail Totals for The Columbia Bank in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 670 | $271,516,000 | $405,000 | $11,325,000 | $153,000 | $1,000,000 |
| Refinancing | 367 | $127,053,000 | $346,000 | $5,550,000 | $159,000 | $1,850,000 |
| Home Improvement | 60 | $12,852,000 | $214,000 | $945,000 | $150,000 | $1,470,000 |
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 | 523 | $163,431,000 | $312,000 | $2,000,000 | $136,000 | $955,000 |
| Not Provided | 438 | $165,259,000 | $377,000 | $1,500,000 | $170,000 | $1,850,000 |
| Asian | 60 | $35,930,000 | $598,000 | $1,450,000 | $246,000 | $605,000 |
| Black or African American | 46 | $18,838,000 | $409,000 | $1,394,000 | $146,000 | $459,000 |
| Hispanic | 14 | $4,867,000 | $347,000 | $1,000,000 | $147,000 | $465,000 |
| Not applicable | 14 | $22,253,000 | $1,589,000 | $11,325,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 2 | $843,000 | $421,000 | $517,000 | $211,000 | $224,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,080 | $405,958,000 | $375,000 | $11,325,000 | $155,000 | $1,850,000 |
| FHA-insured (Federal Housing Administration) | 13 | $4,290,000 | $330,000 | $550,000 | $98,000 | $285,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,041,000 | $347,000 | $688,000 | $78,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $132,000 | $132,000 | $132,000 | $39,000 | $39,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 754 | $296,819,000 | $393,000 | $11,325,000 | $163,000 | $1,850,000 |
| Application Withdrawn By Applicant | 120 | $48,124,000 | $401,000 | $1,468,000 | $154,000 | $1,000,000 |
| Application Denied By Financial Institution | 94 | $26,343,000 | $280,000 | $1,500,000 | $111,000 | $1,470,000 |
| File Closed For Incompleteness | 75 | $24,382,000 | $325,000 | $1,236,000 | $129,000 | $454,000 |
| Application Approved But Not Accepted | 54 | $15,753,000 | $291,000 | $1,200,000 | $148,000 | $904,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 44 | $13,122,000 | $298,000 | $1,500,000 | $77,000 | $560,000 |
| Credit History | 22 | $5,255,000 | $238,000 | $875,000 | $164,000 | $1,470,000 |
| Collateral | 18 | $4,047,000 | $224,000 | $417,000 | $114,000 | $297,000 |
| Other | 6 | $2,345,000 | $390,000 | $981,000 | $118,000 | $350,000 |
| Credit Application Incomplete | 3 | $1,334,000 | $444,000 | $825,000 | $205,000 | $402,000 |
| Unverifiable Information | 1 | $240,000 | $240,000 | $240,000 | $60,000 | $60,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Columbia Bank's 2016 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 The Columbia Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.