The Washington Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
The Washington Savings Bank 2006 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 | 871 |
| Total Mortgage Loan Application Amount | $210,296,000 |
| Average Mortgage Loan Application Amount | $235,333 |
| Highest Mortgage Loan Application Amount | $1,436,000 |
| Average Applicant Income | $101,666 |
| Highest Applicant Income | $2,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 189 | $ 47,124,000 | $ 249,000 | $ 90,000 |
| Anne Arundel County Maryland | 76 | $ 21,529,000 | $ 283,000 | $ 128,000 |
| Montgomery County Maryland | 68 | $ 18,660,000 | $ 274,000 | $ 126,000 |
| District of Columbia County District Of Columbia | 65 | $ 17,856,000 | $ 274,000 | $ 84,000 |
| Baltimore City County Maryland | 61 | $ 8,762,000 | $ 143,000 | $ 89,000 |
| Charles County Maryland | 34 | $ 9,834,000 | $ 289,000 | $ 92,000 |
| Calvert County Maryland | 29 | $ 6,821,000 | $ 235,000 | $ 65,000 |
| Fairfax County Virginia | 27 | $ 8,553,000 | $ 316,000 | $ 114,000 |
| Baltimore County Maryland | 26 | $ 5,800,000 | $ 223,000 | $ 95,000 |
| Cumberland County Pennsylvania | 25 | $ 2,647,000 | $ 105,000 | $ 70,000 |
| Dauphin County Pennsylvania | 19 | $ 2,172,000 | $ 114,000 | $ 74,000 |
| Prince William County Virginia | 15 | $ 4,783,000 | $ 318,000 | $ 115,000 |
| Frederick County Maryland | 14 | $ 2,663,000 | $ 190,000 | $ 88,000 |
| Howard County Maryland | 11 | $ 4,391,000 | $ 399,000 | $ 152,000 |
| Washington County Maryland | 11 | $ 2,973,000 | $ 270,000 | $ 91,000 |
| Harford County Maryland | 10 | $ 1,702,000 | $ 170,000 | $ 94,000 |
| Queen Anne's County Maryland | 9 | $ 2,915,000 | $ 323,000 | $ 154,000 |
| Jefferson County West Virginia | 9 | $ 1,839,000 | $ 204,000 | $ 100,000 |
| Berkeley County West Virginia | 7 | $ 1,108,000 | $ 158,000 | $ 44,000 |
| Wicomico County Maryland | 6 | $ 542,000 | $ 90,000 | $ 70,000 |
| Kent County Delaware | 5 | $ 1,090,000 | $ 218,000 | $ 201,000 |
| Sussex County Delaware | 5 | $ 1,010,000 | $ 202,000 | $ 47,000 |
| Arlington County Virginia | 5 | $ 1,394,000 | $ 278,000 | $ 143,000 |
| Polk County Florida | 4 | $ 428,000 | $ 107,000 | $ 68,000 |
| Dorchester County Maryland | 4 | $ 932,000 | $ 233,000 | $ 89,000 |
| Franklin County Pennsylvania | 4 | $ 784,000 | $ 196,000 | $ 87,000 |
| York County Pennsylvania | 4 | $ 611,000 | $ 152,000 | $ 110,000 |
| Galveston County Texas | 4 | $ 1,212,000 | $ 303,000 | $ 295,000 |
| Stafford County Virginia | 4 | $ 1,151,000 | $ 287,000 | $ 91,000 |
| Caroline County Maryland | 3 | $ 747,000 | $ 249,000 | $ 64,000 |
| St. Mary's County Maryland | 3 | $ 592,000 | $ 197,000 | $ 72,000 |
| Queens County New York | 3 | $ 1,201,000 | $ 400,000 | $ 126,000 |
| Perry County Pennsylvania | 3 | $ 348,000 | $ 116,000 | $ 73,000 |
| King George County Virginia | 3 | $ 470,000 | $ 156,000 | $ 25,000 |
| Loudoun County Virginia | 3 | $ 1,561,000 | $ 520,000 | $ 144,000 |
| Louisa County Virginia | 3 | $ 551,000 | $ 183,000 | $ 87,000 |
| Richmond City County Virginia | 3 | $ 375,000 | $ 125,000 | $ 86,000 |
| Warren County Virginia | 3 | $ 737,000 | $ 245,000 | $ 126,000 |
| Westmoreland County Virginia | 3 | $ 719,000 | $ 239,000 | $ 139,000 |
| Broward County Florida | 2 | $ 1,200,000 | $ 600,000 | $ 388,000 |
| Carroll County Maryland | 2 | $ 655,000 | $ 327,000 | $ 114,000 |
| Gaston County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 72,000 |
| Guilford County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Wake County North Carolina | 2 | $ 512,000 | $ 256,000 | $ 143,000 |
| Adams County Pennsylvania | 2 | $ 144,000 | $ 72,000 | $ 53,000 |
| Montgomery County Pennsylvania | 2 | $ 369,000 | $ 184,000 | $ 79,000 |
| Caroline County Virginia | 2 | $ 377,000 | $ 188,000 | $ 46,000 |
| Fairfax City County Virginia | 2 | $ 630,000 | $ 315,000 | $ 252,000 |
| Fauquier County Virginia | 2 | $ 451,000 | $ 225,000 | $ 98,000 |
| Fredericksburg County Virginia | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Newport News County Virginia | 2 | $ 273,000 | $ 136,000 | $ 50,000 |
| Orange County Virginia | 2 | $ 332,000 | $ 166,000 | $ 33,000 |
| New Castle County Delaware | 1 | $ 1,000 | $ 1,000 | $ 50,000 |
| Duval County Florida | 1 | $ 191,000 | $ 191,000 | $ 59,000 |
| Lake County Florida | 1 | $ 290,000 | $ 290,000 | $ 72,000 |
| Palm Beach County Florida | 1 | $ 228,000 | $ 228,000 | $ 226,000 |
| Columbia County Georgia | 1 | $ 130,000 | $ 130,000 | $ 86,000 |
| Allegany County Maryland | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Talbot County Maryland | 1 | $ 363,000 | $ 363,000 | $ 94,000 |
| Worcester County Maryland | 1 | $ 364,000 | $ 364,000 | $ 360,000 |
| Crow Wing County Minnesota | 1 | $ 456,000 | $ 456,000 | $ 1,194,000 |
| Mercer County New Jersey | 1 | $ 99,000 | $ 99,000 | $ 44,000 |
| Ocean County New Jersey | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| Union County New Jersey | 1 | $ 134,000 | $ 134,000 | $ 50,000 |
| Eddy County New Mexico | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Kings County New York | 1 | $ 384,000 | $ 384,000 | $ 95,000 |
| Nassau County New York | 1 | $ 638,000 | $ 638,000 | $ 186,000 |
| Buncombe County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 60,000 |
| Carteret County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 180,000 |
| Currituck County North Carolina | 1 | $ 1,436,000 | $ 1,436,000 | $ 404,000 |
| Mecklenburg County North Carolina | 1 | $ 217,000 | $ 217,000 | $ 85,000 |
| Northampton County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 146,000 |
| Delaware County Ohio | 1 | $ 199,000 | $ 199,000 | $ 71,000 |
| Lake County Ohio | 1 | $ 73,000 | $ 73,000 | $ 41,000 |
| Bucks County Pennsylvania | 1 | $ 197,000 | $ 197,000 | $ 46,000 |
| Chester County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 57,000 |
| Lancaster County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 37,000 |
| Lebanon County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Albemarle County Virginia | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 274,000 | $ 274,000 | $ 116,000 |
| Buchanan County Virginia | 1 | $ 240,000 | $ 240,000 | $ 126,000 |
| Chesapeake County Virginia | 1 | $ 180,000 | $ 180,000 | $ 45,000 |
| Hanover County Virginia | 1 | $ 288,000 | $ 288,000 | $ 224,000 |
| Manassas County Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Mathews County Virginia | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Nelson County Virginia | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Spotsylvania County Virginia | 1 | $ 206,000 | $ 206,000 | $ 57,000 |
| Virginia Beach County Virginia | 1 | $ 257,000 | $ 257,000 | $ 114,000 |
| Hancock County West Virginia | 1 | $ 107,000 | $ 107,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for The Washington Savings Bank in 2006
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 | 429 | $113,691,000 | $265,000 | $1,250,000 | $90,000 | $874,000 |
| Home Purchase | 390 | $84,953,000 | $217,000 | $1,436,000 | $109,000 | $2,020,000 |
| Home Improvement | 52 | $11,652,000 | $224,000 | $960,000 | $106,000 | $289,000 |
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 | 359 | $90,319,000 | $251,000 | $1,436,000 | $115,000 | $2,020,000 |
| Black or African American | 344 | $78,649,000 | $228,000 | $1,250,000 | $87,000 | $357,000 |
| Hispanic | 111 | $24,764,000 | $223,000 | $584,000 | $98,000 | $308,000 |
| Not Provided | 24 | $7,230,000 | $301,000 | $975,000 | $75,000 | $226,000 |
| Asian | 22 | $5,890,000 | $267,000 | $650,000 | $107,000 | $329,000 |
| Not applicable | 9 | $2,944,000 | $327,000 | $828,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $500,000 | $250,000 | $400,000 | $150,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 807 | $196,721,000 | $243,000 | $1,436,000 | $102,000 | $2,020,000 |
| FHA-insured (Federal Housing Administration) | 61 | $13,009,000 | $213,000 | $402,000 | $64,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 3 | $566,000 | $188,000 | $220,000 | $102,000 | $200,000 |
| 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 | 528 | $121,115,000 | $229,000 | $1,200,000 | $101,000 | $2,020,000 |
| Application Withdrawn By Applicant | 127 | $33,148,000 | $261,000 | $1,436,000 | $95,000 | $404,000 |
| Application Approved But Not Accepted | 81 | $20,511,000 | $253,000 | $1,040,000 | $114,000 | $1,194,000 |
| Application Denied By Financial Institution | 75 | $19,061,000 | $254,000 | $686,000 | $84,000 | $255,000 |
| File Closed For Incompleteness | 32 | $9,744,000 | $304,000 | $1,250,000 | $117,000 | $360,000 |
| Preapproval Approved but not Accepted | 19 | $5,308,000 | $279,000 | $650,000 | $92,000 | $218,000 |
| Preapproval Denied by Financial Institution | 9 | $1,409,000 | $156,000 | $300,000 | $39,000 | $72,000 |
| 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 History | 36 | $8,158,000 | $226,000 | $686,000 | $76,000 | $255,000 |
| Debt-To-Income Ratio | 17 | $4,584,000 | $269,000 | $558,000 | $70,000 | $163,000 |
| Other | 15 | $3,634,000 | $242,000 | $550,000 | $93,000 | $126,000 |
| Employment History | 8 | $1,920,000 | $240,000 | $412,000 | $102,000 | $150,000 |
| Unverifiable Information | 5 | $1,005,000 | $201,000 | $358,000 | $63,000 | $130,000 |
| Collateral | 3 | $1,169,000 | $389,000 | $525,000 | $69,000 | $114,000 |
| Credit Application Incomplete | 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 Washington Savings Bank's 2006 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.