The Washington Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The Washington Savings Bank 2005 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 | 2,146 |
| Total Mortgage Loan Application Amount | $502,455,000 |
| Average Mortgage Loan Application Amount | $267,950 |
| Highest Mortgage Loan Application Amount | $2,550,000 |
| Average Applicant Income | $176,825 |
| Highest Applicant Income | $2,457,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's County Maryland | 234 | $ 47,094,000 | $ 201,000 | $ 81,000 |
| Montgomery County Maryland | 205 | $ 84,150,000 | $ 410,000 | $ 127,000 |
| Cumberland County Pennsylvania | 188 | $ 23,995,000 | $ 127,000 | $ 55,000 |
| Dauphin County Pennsylvania | 145 | $ 16,989,000 | $ 117,000 | $ 88,000 |
| Anne Arundel County Maryland | 143 | $ 36,603,000 | $ 255,000 | $ 75,000 |
| District of Columbia County District Of Columbia | 137 | $ 44,013,000 | $ 321,000 | $ 114,000 |
| Calvert County Maryland | 99 | $ 24,426,000 | $ 246,000 | $ 156,000 |
| Charles County Maryland | 51 | $ 11,206,000 | $ 219,000 | $ 75,000 |
| York County Pennsylvania | 47 | $ 6,717,000 | $ 142,000 | $ 80,000 |
| Baltimore City County Maryland | 45 | $ 7,496,000 | $ 166,000 | $ 71,000 |
| Jefferson County West Virginia | 40 | $ 7,004,000 | $ 175,000 | $ 78,000 |
| Fairfax County Virginia | 33 | $ 9,512,000 | $ 288,000 | $ 109,000 |
| Stafford County Virginia | 30 | $ 8,177,000 | $ 272,000 | $ 112,000 |
| Berkeley County West Virginia | 29 | $ 4,233,000 | $ 145,000 | $ 67,000 |
| Caroline County Virginia | 27 | $ 6,178,000 | $ 228,000 | $ 73,000 |
| Howard County Maryland | 26 | $ 6,916,000 | $ 266,000 | $ 111,000 |
| Spotsylvania County Virginia | 25 | $ 5,958,000 | $ 238,000 | $ 95,000 |
| Prince William County Virginia | 22 | $ 6,198,000 | $ 281,000 | $ 73,000 |
| Baltimore County Maryland | 17 | $ 2,892,000 | $ 170,000 | $ 84,000 |
| Frederick County Maryland | 17 | $ 5,108,000 | $ 300,000 | $ 111,000 |
| St. Mary's County Maryland | 13 | $ 2,988,000 | $ 229,000 | $ 108,000 |
| Lebanon County Pennsylvania | 12 | $ 1,383,000 | $ 115,000 | $ 71,000 |
| Louisa County Virginia | 12 | $ 3,000,000 | $ 250,000 | $ 106,000 |
| Sussex County Delaware | 10 | $ 2,633,000 | $ 263,000 | $ 285,000 |
| Perry County Pennsylvania | 10 | $ 1,112,000 | $ 111,000 | $ 62,000 |
| Orange County Virginia | 10 | $ 2,682,000 | $ 268,000 | $ 89,000 |
| Richmond City County Virginia | 9 | $ 1,581,000 | $ 175,000 | $ 104,000 |
| Arlington County Virginia | 8 | $ 3,743,000 | $ 467,000 | $ 164,000 |
| Northampton County Virginia | 8 | $ 3,863,000 | $ 482,000 | $ 0 |
| Washington County Maryland | 7 | $ 722,000 | $ 103,000 | $ 101,000 |
| Westmoreland County Virginia | 7 | $ 1,237,000 | $ 176,000 | $ 207,000 |
| Carroll County Maryland | 6 | $ 1,798,000 | $ 299,000 | $ 105,000 |
| Worcester County Maryland | 6 | $ 1,647,000 | $ 274,000 | $ 87,000 |
| Lancaster County Pennsylvania | 6 | $ 934,000 | $ 155,000 | $ 89,000 |
| Broward County Florida | 4 | $ 804,000 | $ 201,000 | $ 104,000 |
| Palm Beach County Florida | 4 | $ 1,969,000 | $ 492,000 | $ 602,000 |
| Harford County Maryland | 4 | $ 850,000 | $ 212,000 | $ 88,000 |
| Warren County Virginia | 4 | $ 773,000 | $ 193,000 | $ 66,000 |
| San Diego County California | 3 | $ 1,934,000 | $ 644,000 | $ 116,000 |
| Caroline County Maryland | 3 | $ 690,000 | $ 230,000 | $ 57,000 |
| Queen Anne's County Maryland | 3 | $ 484,000 | $ 161,000 | $ 156,000 |
| King George County Virginia | 3 | $ 740,000 | $ 246,000 | $ 78,000 |
| Montgomery County Virginia | 3 | $ 267,000 | $ 89,000 | $ 100,000 |
| Greenbrier County West Virginia | 3 | $ 1,312,000 | $ 437,000 | $ 169,000 |
| New London County Connecticut | 2 | $ 610,000 | $ 305,000 | $ 169,000 |
| Clay County Florida | 2 | $ 272,000 | $ 136,000 | $ 87,000 |
| Lee County Florida | 2 | $ 313,000 | $ 156,000 | $ 149,000 |
| Orange County Florida | 2 | $ 267,000 | $ 133,000 | $ 134,000 |
| Pinellas County Florida | 2 | $ 284,000 | $ 142,000 | $ 137,000 |
| Sarasota County Florida | 2 | $ 531,000 | $ 265,000 | $ 58,000 |
| Dorchester County Maryland | 2 | $ 533,000 | $ 266,000 | $ 183,000 |
| Clark County Nevada | 2 | $ 625,000 | $ 312,000 | $ 56,000 |
| Queens County New York | 2 | $ 535,000 | $ 267,000 | $ 155,000 |
| Westchester County New York | 2 | $ 331,000 | $ 165,000 | $ 91,000 |
| Onslow County North Carolina | 2 | $ 269,000 | $ 134,000 | $ 96,000 |
| Lake County Ohio | 2 | $ 304,000 | $ 152,000 | $ 87,000 |
| Warren County Ohio | 2 | $ 299,000 | $ 149,000 | $ 70,000 |
| Bucks County Pennsylvania | 2 | $ 284,000 | $ 142,000 | $ 83,000 |
| Montgomery County Pennsylvania | 2 | $ 162,000 | $ 81,000 | $ 51,000 |
| Northampton County Pennsylvania | 2 | $ 214,000 | $ 107,000 | $ 77,000 |
| Wayne County Pennsylvania | 2 | $ 195,000 | $ 97,000 | $ 54,000 |
| Horry County South Carolina | 2 | $ 499,000 | $ 249,000 | $ 131,000 |
| Richland County South Carolina | 2 | $ 305,000 | $ 152,000 | $ 106,000 |
| Chesterfield County Virginia | 2 | $ 833,000 | $ 416,000 | $ 108,000 |
| Loudoun County Virginia | 2 | $ 1,200,000 | $ 600,000 | $ 196,000 |
| Lynchburg County Virginia | 2 | $ 447,000 | $ 223,000 | $ 76,000 |
| Manassas County Virginia | 2 | $ 610,000 | $ 305,000 | $ 72,000 |
| Martinsville County Virginia | 2 | $ 102,000 | $ 51,000 | $ 15,000 |
| Norfolk County Virginia | 2 | $ 166,000 | $ 83,000 | $ 79,000 |
| Winchester County Virginia | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Kanawha County West Virginia | 2 | $ 86,000 | $ 43,000 | $ 55,000 |
| Tucker County West Virginia | 2 | $ 577,000 | $ 288,000 | $ 105,000 |
| Pima County Arizona | 1 | $ 462,000 | $ 462,000 | $ 2,373,000 |
| Los Angeles County California | 1 | $ 770,000 | $ 770,000 | $ 369,000 |
| Ventura County California | 1 | $ 925,000 | $ 925,000 | $ 250,000 |
| Grand County Colorado | 1 | $ 406,000 | $ 406,000 | $ 600,000 |
| Charlotte County Florida | 1 | $ 47,000 | $ 47,000 | $ 100,000 |
| Cook County Illinois | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Sagadahoc County Maine | 1 | $ 240,000 | $ 240,000 | $ 114,000 |
| Allegany County Maryland | 1 | $ 104,000 | $ 104,000 | $ 314,000 |
| Cecil County Maryland | 1 | $ 247,000 | $ 247,000 | $ 104,000 |
| Garrett County Maryland | 1 | $ 32,000 | $ 32,000 | $ 116,000 |
| Somerset County Maryland | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Talbot County Maryland | 1 | $ 271,000 | $ 271,000 | $ 150,000 |
| Wicomico County Maryland | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Dukes County Massachusetts | 1 | $ 489,000 | $ 489,000 | $ 259,000 |
| Gallatin County Montana | 1 | $ 119,000 | $ 119,000 | $ 45,000 |
| Strafford County New Hampshire | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 117,000 | $ 117,000 | $ 29,000 |
| Chatham County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Craven County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 37,000 |
| Dare County North Carolina | 1 | $ 238,000 | $ 238,000 | $ 323,000 |
| Guilford County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Moore County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 208,000 |
| Northampton County North Carolina | 1 | $ 310,000 | $ 310,000 | $ 151,000 |
| Transylvania County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 102,000 |
| Cuyahoga County Ohio | 1 | $ 159,000 | $ 159,000 | $ 83,000 |
| Adams County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 32,000 |
| Centre County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 83,000 |
| Delaware County Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 60,000 |
| Franklin County Pennsylvania | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Juniata County Pennsylvania | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Pike County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 67,000 |
| Schuylkill County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Susquehanna County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Beaufort County South Carolina | 1 | $ 576,000 | $ 576,000 | $ 322,000 |
| Charleston County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Collin County Texas | 1 | $ 476,000 | $ 476,000 | $ 179,000 |
| Accomack County Virginia | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Albemarle County Virginia | 1 | $ 154,000 | $ 154,000 | $ 128,000 |
| Alexandria County Virginia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Culpeper County Virginia | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| Cumberland County Virginia | 1 | $ 98,000 | $ 98,000 | $ 33,000 |
| Essex County Virginia | 1 | $ 156,000 | $ 156,000 | $ 64,000 |
| Fairfax City County Virginia | 1 | $ 611,000 | $ 611,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 171,000 | $ 171,000 | $ 99,000 |
| Franklin County Virginia | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Hampton County Virginia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Hanover County Virginia | 1 | $ 220,000 | $ 220,000 | $ 208,000 |
| Henrico County Virginia | 1 | $ 232,000 | $ 232,000 | $ 204,000 |
| Newport News County Virginia | 1 | $ 96,000 | $ 96,000 | $ 124,000 |
| Northumberland County Virginia | 1 | $ 140,000 | $ 140,000 | $ 218,000 |
| Prince George County Virginia | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Richmond County Virginia | 1 | $ 86,000 | $ 86,000 | $ 55,000 |
| Virginia Beach County Virginia | 1 | $ 273,000 | $ 273,000 | $ 106,000 |
| Hardy County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for The Washington Savings Bank in 2005
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 | 1,393 | $295,501,000 | $287,473 | $1,267,000 | $256,473 | $2,457,000 |
| Refinancing | 684 | $190,286,000 | $273,437 | $2,550,000 | $108,937 | $1,500,000 |
| Home Improvement | 69 | $16,668,000 | $176,200 | $1,200,000 | $91,400 | $292,000 |
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 | 1,414 | $335,822,000 | $282,181 | $2,550,000 | $227,409 | $2,457,000 |
| Black or African American | 489 | $106,810,000 | $206,250 | $1,267,000 | $98,750 | $508,000 |
| Hispanic | 98 | $21,974,000 | $223,000 | $650,000 | $96,857 | $328,000 |
| Not Provided | 66 | $16,112,000 | $364,875 | $1,000,000 | $179,000 | $600,000 |
| Asian | 56 | $14,588,000 | $327,833 | $1,200,000 | $86,333 | $292,000 |
| Not applicable | 20 | $6,692,000 | $417,333 | $1,120,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $436,000 | $218,000 | $234,000 | $95,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $21,000 | $21,000 | $21,000 | $96,000 | $96,000 |
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) | 1,981 | $470,165,000 | $286,333 | $2,550,000 | $233,250 | $2,457,000 |
| FHA-insured (Federal Housing Administration) | 104 | $18,971,000 | $184,333 | $425,000 | $57,333 | $384,000 |
| VA-guaranteed (Veterans Administration) | 61 | $13,319,000 | $230,250 | $368,000 | $62,500 | $137,000 |
| 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 | 1,439 | $326,107,000 | $296,380 | $2,550,000 | $258,523 | $2,457,000 |
| Application Withdrawn By Applicant | 350 | $81,280,000 | $288,818 | $1,160,000 | $131,272 | $747,000 |
| Preapproval Approved but not Accepted | 100 | $27,106,000 | $271,000 | $1,121,000 | $73,000 | $384,000 |
| Application Denied By Financial Institution | 83 | $29,102,000 | $341,250 | $1,415,000 | $108,000 | $996,000 |
| Preapproval Denied by Financial Institution | 73 | $15,936,000 | $218,000 | $800,000 | $49,000 | $192,000 |
| Application Approved But Not Accepted | 67 | $14,855,000 | $224,444 | $650,000 | $82,444 | $327,000 |
| File Closed For Incompleteness | 34 | $8,069,000 | $234,000 | $416,000 | $87,500 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 70 | $22,854,000 | $474,000 | $1,267,000 | $125,400 | $350,000 |
| Other | 28 | $10,137,000 | $327,166 | $1,415,000 | $99,500 | $355,000 |
| Credit History | 26 | $4,714,000 | $256,800 | $1,120,000 | $61,600 | $216,000 |
| Debt-To-Income Ratio | 14 | $3,034,000 | $202,000 | $634,000 | $43,750 | $114,000 |
| Collateral | 14 | $3,165,000 | $180,250 | $664,000 | $109,250 | $996,000 |
| Employment History | 4 | $1,134,000 | $283,500 | $581,000 | $41,250 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Washington Savings Bank's 2005 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.