The Washington Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
The Washington Savings Bank 2008 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 | 795 |
| Total Mortgage Loan Application Amount | $236,080,000 |
| Average Mortgage Loan Application Amount | $329,000 |
| Highest Mortgage Loan Application Amount | $1,820,000 |
| Average Applicant Income | $92,666 |
| Highest Applicant Income | $1,170,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 172 | $ 51,256,000 | $ 298,000 | $ 82,000 |
| Anne Arundel County Maryland | 87 | $ 31,305,000 | $ 359,000 | $ 109,000 |
| Charles County Maryland | 53 | $ 16,359,000 | $ 308,000 | $ 82,000 |
| Calvert County Maryland | 46 | $ 14,134,000 | $ 307,000 | $ 73,000 |
| Fairfax County Virginia | 36 | $ 12,700,000 | $ 352,000 | $ 98,000 |
| District of Columbia County District Of Columbia | 33 | $ 12,577,000 | $ 381,000 | $ 87,000 |
| Baltimore County Maryland | 30 | $ 7,420,000 | $ 247,000 | $ 62,000 |
| Baltimore City County Maryland | 30 | $ 4,944,000 | $ 164,000 | $ 79,000 |
| St. Mary's County Maryland | 27 | $ 6,250,000 | $ 231,000 | $ 64,000 |
| Prince William County Virginia | 25 | $ 5,840,000 | $ 233,000 | $ 84,000 |
| Montgomery County Maryland | 17 | $ 7,281,000 | $ 428,000 | $ 105,000 |
| Howard County Maryland | 15 | $ 5,254,000 | $ 350,000 | $ 90,000 |
| Loudoun County Virginia | 15 | $ 4,784,000 | $ 318,000 | $ 112,000 |
| Berkeley County West Virginia | 11 | $ 2,185,000 | $ 198,000 | $ 57,000 |
| Stafford County Virginia | 10 | $ 2,304,000 | $ 230,000 | $ 69,000 |
| Frederick County Maryland | 8 | $ 2,525,000 | $ 315,000 | $ 78,000 |
| Queen Anne's County Maryland | 8 | $ 2,751,000 | $ 343,000 | $ 84,000 |
| Harford County Maryland | 7 | $ 1,273,000 | $ 181,000 | $ 54,000 |
| Greenbrier County West Virginia | 7 | $ 2,556,000 | $ 365,000 | $ 102,000 |
| Jefferson County West Virginia | 6 | $ 1,221,000 | $ 203,000 | $ 46,000 |
| Kent County Delaware | 5 | $ 1,778,000 | $ 355,000 | $ 83,000 |
| Dorchester County Maryland | 5 | $ 2,921,000 | $ 584,000 | $ 57,000 |
| Alexandria County Virginia | 5 | $ 2,120,000 | $ 424,000 | $ 325,000 |
| Frederick County Virginia | 5 | $ 1,355,000 | $ 271,000 | $ 90,000 |
| Bergen County New Jersey | 4 | $ 1,527,000 | $ 381,000 | $ 136,000 |
| York County Pennsylvania | 4 | $ 799,000 | $ 199,000 | $ 52,000 |
| Spotsylvania County Virginia | 4 | $ 919,000 | $ 229,000 | $ 46,000 |
| Cecil County Maryland | 3 | $ 551,000 | $ 183,000 | $ 42,000 |
| Hudson County New Jersey | 3 | $ 1,018,000 | $ 339,000 | $ 136,000 |
| Morris County New Jersey | 3 | $ 899,000 | $ 299,000 | $ 139,000 |
| Mecklenburg County North Carolina | 3 | $ 439,000 | $ 146,000 | $ 95,000 |
| Philadelphia County Pennsylvania | 3 | $ 362,000 | $ 120,000 | $ 92,000 |
| Chesapeake County Virginia | 3 | $ 917,000 | $ 305,000 | $ 26,000 |
| Orange County Virginia | 3 | $ 731,000 | $ 243,000 | $ 71,000 |
| Virginia Beach County Virginia | 3 | $ 676,000 | $ 225,000 | $ 37,000 |
| Westmoreland County Virginia | 3 | $ 690,000 | $ 230,000 | $ 60,000 |
| New Haven County Connecticut | 2 | $ 376,000 | $ 188,000 | $ 52,000 |
| Fulton County Georgia | 2 | $ 229,000 | $ 114,000 | $ 83,000 |
| Allegany County Maryland | 2 | $ 251,000 | $ 125,000 | $ 66,000 |
| Caroline County Maryland | 2 | $ 388,000 | $ 194,000 | $ 10,000 |
| Talbot County Maryland | 2 | $ 775,000 | $ 387,000 | $ 297,000 |
| Hampden County Massachusetts | 2 | $ 353,000 | $ 176,000 | $ 56,000 |
| Camden County New Jersey | 2 | $ 230,000 | $ 115,000 | $ 70,000 |
| Essex County New Jersey | 2 | $ 633,000 | $ 316,000 | $ 167,000 |
| Middlesex County New Jersey | 2 | $ 696,000 | $ 348,000 | $ 115,000 |
| Queens County New York | 2 | $ 877,000 | $ 438,000 | $ 128,000 |
| Rockland County New York | 2 | $ 1,435,000 | $ 717,000 | $ 193,000 |
| Allegheny County Pennsylvania | 2 | $ 118,000 | $ 59,000 | $ 57,000 |
| Washington County Pennsylvania | 2 | $ 263,000 | $ 131,000 | $ 38,000 |
| Caroline County Virginia | 2 | $ 369,000 | $ 184,000 | $ 68,000 |
| Fauquier County Virginia | 2 | $ 552,000 | $ 276,000 | $ 71,000 |
| Hanover County Virginia | 2 | $ 523,000 | $ 261,000 | $ 40,000 |
| Manassas County Virginia | 2 | $ 460,000 | $ 230,000 | $ 21,000 |
| Monroe County West Virginia | 2 | $ 365,000 | $ 182,000 | $ 69,000 |
| Anchorage County Alaska | 1 | $ 240,000 | $ 240,000 | $ 140,000 |
| Maricopa County Arizona | 1 | $ 417,000 | $ 417,000 | $ 137,000 |
| Napa County California | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Arapahoe County Colorado | 1 | $ 234,000 | $ 234,000 | $ 30,000 |
| Fairfield County Connecticut | 1 | $ 596,000 | $ 596,000 | $ 310,000 |
| New Castle County Delaware | 1 | $ 289,000 | $ 289,000 | $ 0 |
| Broward County Florida | 1 | $ 200,000 | $ 200,000 | $ 92,000 |
| Hillsborough County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Manatee County Florida | 1 | $ 191,000 | $ 191,000 | $ 473,000 |
| Seminole County Florida | 1 | $ 223,000 | $ 223,000 | $ 72,000 |
| Volusia County Florida | 1 | $ 240,000 | $ 240,000 | $ 132,000 |
| Columbia County Georgia | 1 | $ 127,000 | $ 127,000 | $ 91,000 |
| Coweta County Georgia | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Allen County Indiana | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Carroll County Maryland | 1 | $ 255,000 | $ 255,000 | $ 104,000 |
| Kent County Maryland | 1 | $ 149,000 | $ 149,000 | $ 51,000 |
| Washington County Maryland | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| Worcester County Maryland | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 397,000 | $ 397,000 | $ 78,000 |
| Madison County Mississippi | 1 | $ 147,000 | $ 147,000 | $ 61,000 |
| Platte County Missouri | 1 | $ 324,000 | $ 324,000 | $ 156,000 |
| Burlington County New Jersey | 1 | $ 326,000 | $ 326,000 | $ 80,000 |
| Monmouth County New Jersey | 1 | $ 687,000 | $ 687,000 | $ 560,000 |
| Passaic County New Jersey | 1 | $ 243,000 | $ 243,000 | $ 60,000 |
| Bronx County New York | 1 | $ 531,000 | $ 531,000 | $ 133,000 |
| Broome County New York | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Nassau County New York | 1 | $ 432,000 | $ 432,000 | $ 140,000 |
| Orange County New York | 1 | $ 204,000 | $ 204,000 | $ 180,000 |
| Ulster County New York | 1 | $ 204,000 | $ 204,000 | $ 41,000 |
| Erie County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Fayette County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Montgomery County Pennsylvania | 1 | $ 231,000 | $ 231,000 | $ 137,000 |
| Jasper County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 212,000 |
| Richland County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Knox County Tennessee | 1 | $ 193,000 | $ 193,000 | $ 75,000 |
| Harris County Texas | 1 | $ 293,000 | $ 293,000 | $ 88,000 |
| Tarrant County Texas | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Summit County Utah | 1 | $ 263,000 | $ 263,000 | $ 103,000 |
| Culpeper County Virginia | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Essex County Virginia | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Fairfax City County Virginia | 1 | $ 360,000 | $ 360,000 | $ 121,000 |
| Fredericksburg County Virginia | 1 | $ 315,000 | $ 315,000 | $ 101,000 |
| Hampton County Virginia | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Harrisonburg County Virginia | 1 | $ 73,000 | $ 73,000 | $ 80,000 |
| Henrico County Virginia | 1 | $ 342,000 | $ 342,000 | $ 148,000 |
| James City County Virginia | 1 | $ 374,000 | $ 374,000 | $ 77,000 |
| King George County Virginia | 1 | $ 296,000 | $ 296,000 | $ 68,000 |
| Louisa County Virginia | 1 | $ 248,000 | $ 248,000 | $ 83,000 |
| Manassas Park County Virginia | 1 | $ 227,000 | $ 227,000 | $ 55,000 |
| Middlesex County Virginia | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Newport News County Virginia | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Richmond County Virginia | 1 | $ 666,000 | $ 666,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 200,000 | $ 200,000 | $ 30,000 |
| Winchester County Virginia | 1 | $ 183,000 | $ 183,000 | $ 68,000 |
| Hampshire County West Virginia | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Wyoming County West Virginia | 1 | $ 140,000 | $ 140,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for The Washington Savings Bank in 2008
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 | 456 | $136,148,000 | $298,000 | $1,800,000 | $78,000 | $1,170,000 |
| Home Purchase | 322 | $93,122,000 | $289,000 | $1,500,000 | $98,000 | $650,000 |
| Home Improvement | 17 | $6,810,000 | $400,000 | $1,820,000 | $102,000 | $383,000 |
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 | 333 | $96,044,000 | $288,000 | $1,750,000 | $96,000 | $1,170,000 |
| Black or African American | 267 | $79,587,000 | $298,000 | $1,820,000 | $79,000 | $383,000 |
| Not Provided | 120 | $37,083,000 | $309,000 | $1,800,000 | $81,000 | $461,000 |
| Hispanic | 37 | $10,887,000 | $294,000 | $1,000,000 | $73,000 | $195,000 |
| Asian | 22 | $6,728,000 | $305,000 | $520,000 | $101,000 | $408,000 |
| American Indian or Alaskan Native | 6 | $1,750,000 | $291,000 | $417,000 | $93,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,681,000 | $280,000 | $417,000 | $116,000 | $250,000 |
| Not applicable | 4 | $2,320,000 | $580,000 | $1,355,000 | $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) | 370 | $122,628,000 | $331,000 | $1,820,000 | $113,000 | $1,170,000 |
| FHA-insured (Federal Housing Administration) | 351 | $91,590,000 | $260,000 | $639,000 | $64,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 53 | $16,547,000 | $312,000 | $680,000 | $60,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $5,315,000 | $253,000 | $384,000 | $67,000 | $104,000 |
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 | 350 | $95,229,000 | $272,000 | $1,034,000 | $83,000 | $650,000 |
| Application Withdrawn By Applicant | 216 | $70,098,000 | $324,000 | $1,820,000 | $96,000 | $560,000 |
| Application Denied By Financial Institution | 104 | $35,050,000 | $337,000 | $1,500,000 | $86,000 | $650,000 |
| File Closed For Incompleteness | 96 | $28,794,000 | $299,000 | $1,190,000 | $84,000 | $1,170,000 |
| Application Approved But Not Accepted | 28 | $6,659,000 | $237,000 | $613,000 | $77,000 | $298,000 |
| Preapproval Denied by Financial Institution | 1 | $250,000 | $250,000 | $250,000 | $63,000 | $63,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 41 | $13,304,000 | $324,000 | $1,361,000 | $75,000 | $272,000 |
| Credit History | 32 | $9,551,000 | $298,000 | $909,000 | $67,000 | $236,000 |
| Collateral | 19 | $5,498,000 | $289,000 | $547,000 | $105,000 | $212,000 |
| Unverifiable Information | 5 | $1,685,000 | $337,000 | $531,000 | $91,000 | $162,000 |
| Other | 4 | $2,860,000 | $715,000 | $1,355,000 | $108,000 | $221,000 |
| Employment History | 3 | $2,131,000 | $710,000 | $1,500,000 | $263,000 | $650,000 |
| Credit Application Incomplete | 1 | $271,000 | $271,000 | $271,000 | $70,000 | $70,000 |
| 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 2008 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.