The Washington Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Washington Savings Bank 2003 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 Washington Savings Bank 4201 Mitchellville Rd Suite 300 Bowie, MD 20716 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,268 |
| Total Mortgage Loan Application Amount | $657,448,000 |
| Average Mortgage Loan Application Amount | $283,540 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $132,297 |
| Highest Applicant Income | $1,980,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The Washington Savings 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 Washington Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The Washington Savings 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 Washington Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Washington Savings 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 Washington Savings Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Maryland | 490 | $ 145,926,000 | $ 297,000 | $ 151,000 |
| Cumberland County Pennsylvania | 431 | $ 56,379,000 | $ 130,000 | $ 62,000 |
| Anne Arundel County Maryland | 261 | $ 56,769,000 | $ 217,000 | $ 94,000 |
| Dauphin County Pennsylvania | 255 | $ 28,791,000 | $ 112,000 | $ 59,000 |
| Fairfax County Virginia | 220 | $ 56,668,000 | $ 257,000 | $ 132,000 |
| Prince George's County Maryland | 207 | $ 39,806,000 | $ 192,000 | $ 75,000 |
| York County Pennsylvania | 158 | $ 17,452,000 | $ 110,000 | $ 53,000 |
| District of Columbia County District Of Columbia | 156 | $ 45,797,000 | $ 293,000 | $ 115,000 |
| Prince William County Virginia | 106 | $ 20,937,000 | $ 197,000 | $ 70,000 |
| Charles County Maryland | 86 | $ 15,276,000 | $ 177,000 | $ 68,000 |
| Spotsylvania County Virginia | 58 | $ 11,131,000 | $ 191,000 | $ 72,000 |
| Howard County Maryland | 55 | $ 14,122,000 | $ 256,000 | $ 95,000 |
| Frederick County Maryland | 52 | $ 11,413,000 | $ 219,000 | $ 75,000 |
| Baltimore City County Maryland | 48 | $ 5,196,000 | $ 108,000 | $ 69,000 |
| Stafford County Virginia | 47 | $ 10,714,000 | $ 227,000 | $ 77,000 |
| Caroline County Virginia | 45 | $ 6,223,000 | $ 138,000 | $ 101,000 |
| Loudoun County Virginia | 44 | $ 12,376,000 | $ 281,000 | $ 95,000 |
| Calvert County Maryland | 36 | $ 7,463,000 | $ 207,000 | $ 103,000 |
| Arlington County Virginia | 32 | $ 8,360,000 | $ 261,000 | $ 89,000 |
| Baltimore County Maryland | 25 | $ 4,990,000 | $ 199,000 | $ 90,000 |
| Carroll County Maryland | 24 | $ 4,663,000 | $ 194,000 | $ 289,000 |
| Lancaster County Pennsylvania | 22 | $ 2,668,000 | $ 121,000 | $ 60,000 |
| Worcester County Maryland | 21 | $ 3,430,000 | $ 163,000 | $ 153,000 |
| Perry County Pennsylvania | 21 | $ 2,494,000 | $ 118,000 | $ 49,000 |
| Henrico County Virginia | 20 | $ 3,384,000 | $ 169,000 | $ 65,000 |
| Richmond City County Virginia | 19 | $ 2,645,000 | $ 139,000 | $ 63,000 |
| Lebanon County Pennsylvania | 17 | $ 2,062,000 | $ 121,000 | $ 73,000 |
| Queen Anne's County Maryland | 16 | $ 4,686,000 | $ 292,000 | $ 100,000 |
| St. Mary's County Maryland | 16 | $ 2,362,000 | $ 147,000 | $ 64,000 |
| Harford County Maryland | 14 | $ 2,335,000 | $ 166,000 | $ 112,000 |
| Fauquier County Virginia | 13 | $ 3,220,000 | $ 247,000 | $ 86,000 |
| Sussex County Delaware | 11 | $ 2,891,000 | $ 262,000 | $ 182,000 |
| Franklin County Pennsylvania | 9 | $ 1,099,000 | $ 122,000 | $ 70,000 |
| Chesterfield County Virginia | 9 | $ 1,469,000 | $ 163,000 | $ 80,000 |
| Hanover County Virginia | 9 | $ 1,667,000 | $ 185,000 | $ 88,000 |
| Manassas County Virginia | 8 | $ 1,349,000 | $ 168,000 | $ 65,000 |
| Culpeper County Virginia | 7 | $ 1,840,000 | $ 262,000 | $ 91,000 |
| Roanoke City County Virginia | 7 | $ 596,000 | $ 85,000 | $ 84,000 |
| Talbot County Maryland | 6 | $ 1,428,000 | $ 238,000 | $ 70,000 |
| Oconee County South Carolina | 6 | $ 789,000 | $ 131,000 | $ 59,000 |
| Alexandria County Virginia | 6 | $ 1,196,000 | $ 199,000 | $ 106,000 |
| Westmoreland County Virginia | 6 | $ 865,000 | $ 144,000 | $ 78,000 |
| Washington County Maryland | 5 | $ 524,000 | $ 104,000 | $ 82,000 |
| Berks County Pennsylvania | 5 | $ 328,000 | $ 65,000 | $ 66,000 |
| Juniata County Pennsylvania | 5 | $ 494,000 | $ 98,000 | $ 50,000 |
| Fairfax City County Virginia | 5 | $ 1,040,000 | $ 208,000 | $ 170,000 |
| Adams County Pennsylvania | 4 | $ 446,000 | $ 111,000 | $ 48,000 |
| Palm Beach County Florida | 3 | $ 536,000 | $ 178,000 | $ 72,000 |
| Cobb County Georgia | 3 | $ 449,000 | $ 149,000 | $ 89,000 |
| DeKalb County Georgia | 3 | $ 700,000 | $ 233,000 | $ 78,000 |
| Currituck County North Carolina | 3 | $ 418,000 | $ 139,000 | $ 81,000 |
| Montgomery County Pennsylvania | 3 | $ 383,000 | $ 127,000 | $ 94,000 |
| Isle of Wight County Virginia | 3 | $ 350,000 | $ 116,000 | $ 50,000 |
| Norfolk County Virginia | 3 | $ 321,000 | $ 107,000 | $ 52,000 |
| Northampton County Virginia | 3 | $ 1,088,000 | $ 362,000 | $ 171,000 |
| Roanoke County Virginia | 3 | $ 262,000 | $ 87,000 | $ 45,000 |
| Shenandoah County Virginia | 3 | $ 346,000 | $ 115,000 | $ 84,000 |
| Jefferson County West Virginia | 3 | $ 427,000 | $ 142,000 | $ 81,000 |
| Fairfield County Connecticut | 2 | $ 650,000 | $ 325,000 | $ 279,000 |
| Broward County Florida | 2 | $ 219,000 | $ 109,000 | $ 80,000 |
| Miami-Dade County Florida | 2 | $ 225,000 | $ 112,000 | $ 48,000 |
| Cherokee County Georgia | 2 | $ 251,000 | $ 125,000 | $ 71,000 |
| Fulton County Georgia | 2 | $ 465,000 | $ 232,000 | $ 124,000 |
| Gloucester County New Jersey | 2 | $ 422,000 | $ 211,000 | $ 152,000 |
| Brunswick County North Carolina | 2 | $ 268,000 | $ 134,000 | $ 85,000 |
| Dare County North Carolina | 2 | $ 505,000 | $ 252,000 | $ 134,000 |
| Wake County North Carolina | 2 | $ 618,000 | $ 309,000 | $ 197,000 |
| Wayne County Pennsylvania | 2 | $ 82,000 | $ 41,000 | $ 23,000 |
| Davidson County Tennessee | 2 | $ 155,000 | $ 77,000 | $ 84,000 |
| Accomack County Virginia | 2 | $ 372,000 | $ 186,000 | $ 58,000 |
| Charlottesville County Virginia | 2 | $ 384,000 | $ 192,000 | $ 152,000 |
| Chesapeake County Virginia | 2 | $ 295,000 | $ 147,000 | $ 77,000 |
| Dinwiddie County Virginia | 2 | $ 195,000 | $ 97,000 | $ 40,000 |
| Essex County Virginia | 2 | $ 240,000 | $ 120,000 | $ 48,000 |
| Fredericksburg County Virginia | 2 | $ 345,000 | $ 172,000 | $ 49,000 |
| Martinsville County Virginia | 2 | $ 303,000 | $ 151,000 | $ 60,000 |
| Orange County Virginia | 2 | $ 446,000 | $ 223,000 | $ 61,000 |
| Pittsylvania County Virginia | 2 | $ 199,000 | $ 99,000 | $ 40,000 |
| Portsmouth County Virginia | 2 | $ 1,084,000 | $ 542,000 | $ 217,000 |
| Rappahannock County Virginia | 2 | $ 555,000 | $ 277,000 | $ 99,000 |
| Warren County Virginia | 2 | $ 333,000 | $ 166,000 | $ 50,000 |
| York County Virginia | 2 | $ 583,000 | $ 291,000 | $ 125,000 |
| Berkeley County West Virginia | 2 | $ 272,000 | $ 136,000 | $ 80,000 |
| Pima County Arizona | 1 | $ 130,000 | $ 130,000 | $ 111,000 |
| Collier County Florida | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Escambia County Florida | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Lake County Florida | 1 | $ 122,000 | $ 122,000 | $ 52,000 |
| Manatee County Florida | 1 | $ 250,000 | $ 250,000 | $ 196,000 |
| Martin County Florida | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Okaloosa County Florida | 1 | $ 79,000 | $ 79,000 | $ 58,000 |
| Franklin County Georgia | 1 | $ 156,000 | $ 156,000 | $ 54,000 |
| DuPage County Illinois | 1 | $ 213,000 | $ 213,000 | $ 96,000 |
| Jefferson County Kentucky | 1 | $ 232,000 | $ 232,000 | $ 157,000 |
| Garrett County Maryland | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Antrim County Michigan | 1 | $ 148,000 | $ 148,000 | $ 152,000 |
| Cape May County New Jersey | 1 | $ 650,000 | $ 650,000 | $ 185,000 |
| Somerset County New Jersey | 1 | $ 192,000 | $ 192,000 | $ 92,000 |
| Rockland County New York | 1 | $ 99,000 | $ 99,000 | $ 67,000 |
| Carteret County North Carolina | 1 | $ 223,000 | $ 223,000 | $ 123,000 |
| Catawba County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 18,000 |
| Pender County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 32,000 |
| Franklin County Ohio | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Medina County Ohio | 1 | $ 76,000 | $ 76,000 | $ 150,000 |
| Allegheny County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 344,000 |
| Blair County Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 249,000 |
| Bucks County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 68,000 |
| Lackawanna County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 174,000 |
| Lehigh County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Mifflin County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 128,000 |
| Northampton County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Northumberland County Pennsylvania | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Philadelphia County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Schuylkill County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 175,000 |
| Tioga County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Union County Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 144,000 |
| Horry County South Carolina | 1 | $ 116,000 | $ 116,000 | $ 119,000 |
| Pickens County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Salt Lake County Utah | 1 | $ 288,000 | $ 288,000 | $ 76,000 |
| Albemarle County Virginia | 1 | $ 309,000 | $ 309,000 | $ 70,000 |
| Amelia County Virginia | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| Bedford County Virginia | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Carroll County Virginia | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| Colonial Heights County Virginia | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Falls Church County Virginia | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Frederick County Virginia | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Giles County Virginia | 1 | $ 200,000 | $ 200,000 | $ 101,000 |
| Hampton County Virginia | 1 | $ 113,000 | $ 113,000 | $ 95,000 |
| Henry County Virginia | 1 | $ 40,000 | $ 40,000 | $ 10,000 |
| James City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| King George County Virginia | 1 | $ 542,000 | $ 542,000 | $ 339,000 |
| Louisa County Virginia | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Madison County Virginia | 1 | $ 71,000 | $ 71,000 | $ 24,000 |
| Mecklenburg County Virginia | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Montgomery County Virginia | 1 | $ 732,000 | $ 732,000 | $ 120,000 |
| New Kent County Virginia | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Northumberland County Virginia | 1 | $ 199,000 | $ 199,000 | $ 61,000 |
| Suffolk County Virginia | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Tazewell County Virginia | 1 | $ 290,000 | $ 290,000 | $ 108,000 |
| Cabell County West Virginia | 1 | $ 141,000 | $ 141,000 | $ 37,000 |
| Harrison County West Virginia | 1 | $ 323,000 | $ 323,000 | $ 213,000 |
| Marion County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Morgan County West Virginia | 1 | $ 168,000 | $ 168,000 | $ 70,000 |
| Pocahontas County West Virginia | 1 | $ 405,000 | $ 405,000 | $ 360,000 |
| Teton County Wyoming | 1 | $ 456,000 | $ 456,000 | $ 588,000 |
Mortgage Loan Application Detail Totals for The Washington Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,793 | $396,781,000 | $355,684 | $3,100,000 | $154,894 | $1,980,000 |
| Home Purchase (one-to-four family) | 1,473 | $260,187,000 | $203,312 | $1,900,000 | $115,750 | $1,050,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $420,000 | $420,000 | $420,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 1 | $60,000 | $60,000 | $60,000 | $100,000 | $100,000 |
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 | 2,715 | $543,637,000 | $208,809 | $2,000,000 | $141,761 | $1,980,000 |
| Black | 280 | $57,794,000 | $577,142 | $3,100,000 | $122,428 | $466,000 |
| Information not provided by applicant in mail or telephone application | 110 | $20,999,000 | $154,000 | $1,820,000 | $78,285 | $540,000 |
| Hispanic | 60 | $11,735,000 | $182,250 | $750,000 | $123,500 | $875,000 |
| Asian or Pacific Islander | 57 | $10,990,000 | $208,250 | $682,000 | $79,250 | $214,000 |
| Not applicable | 26 | $7,350,000 | $317,333 | $875,000 | $666 | $58,000 |
| Other | 14 | $3,686,000 | $260,750 | $1,000,000 | $99,000 | $399,000 |
| American Indian or Alaskan Native | 6 | $1,257,000 | $224,500 | $515,000 | $79,500 | $173,000 |
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) | 2,877 | $598,332,000 | $338,590 | $3,100,000 | $153,681 | $1,980,000 |
| FHA-insured (Federal Housing Administration) | 274 | $40,561,000 | $153,000 | $300,000 | $46,400 | $528,000 |
| VA-guaranteed (Veterans Administration) | 116 | $18,458,000 | $173,250 | $283,000 | $38,250 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $97,000 | $97,000 | $97,000 | $35,000 | $35,000 |
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 | 3,118 | $621,866,000 | $211,100 | $2,000,000 | $137,900 | $1,980,000 |
| Application Withdrawn By Applicant | 102 | $23,440,000 | $534,250 | $3,100,000 | $157,500 | $1,333,000 |
| Application Approved But Not Accepted | 26 | $6,716,000 | $318,200 | $1,080,000 | $107,200 | $363,000 |
| Application Denied By Financial Institution | 22 | $5,426,000 | $215,000 | $520,000 | $86,750 | $350,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $1,341,000 | $212,333 | $410,000 | $101,666 | $350,000 |
| Debt-To-Income Ratio | 4 | $1,369,000 | $339,333 | $520,000 | $89,666 | $123,000 |
| Collateral | 4 | $1,092,000 | $194,500 | $446,000 | $66,000 | $125,000 |
| Other | 4 | $462,000 | $110,666 | $160,000 | $63,333 | $113,000 |
| Unverifiable Information | 1 | $471,000 | $471,000 | $471,000 | $149,000 | $149,000 |
| Credit Application Incomplete | 1 | $360,000 | $360,000 | $360,000 | $214,000 | $214,000 |
| Employment History | 1 | $257,000 | $257,000 | $257,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $74,000 | $74,000 | $74,000 | $17,000 | $17,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Washington Savings Bank's 2003 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 Washington Savings 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.