Wilmington Savings Fund Society, FSB Mortgage Lending & HMDA Data, 2013
In 2013, Wilmington Savings Fund Society, FSB of Wilmington, DE reported 2,262 mortgage applications totaling $422.0 million, up 44% from 2012. The average application was for $186,547, and applicants reported an average income of $125,451. 76% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Wilmington, DE-MD-NJ (1,129), Philadelphia, PA (468) and Dover, DE (176) (applications in parentheses).
| Mortgage Company & Address | Wilmington Savings Fund Society, FSB 500 Delaware Avenue Wilmington, DE 19801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,262 |
| Total Mortgage Loan Application Amount | $421,970,000 |
| Average Mortgage Loan Application Amount | $186,547 |
| Highest Mortgage Loan Application Amount | $3,560,000 |
| Average Applicant Income | $125,451 |
| Highest Applicant Income | $2,150,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wilmington Savings Fund Society, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New Castle, Delaware | 1,106 | $ 152,987,000 | $ 138,324 | $ 100,000 |
| Sussex, Delaware | 309 | $ 58,564,000 | $ 189,527 | $ 110,000 |
| Kent, Delaware | 176 | $ 14,790,000 | $ 84,034 | $ 65,000 |
| Chester, Pennsylvania | 137 | $ 35,240,000 | $ 257,226 | $ 213,000 |
| Montgomery, Pennsylvania | 111 | $ 36,338,000 | $ 327,369 | $ 229,000 |
| Philadelphia, Pennsylvania | 104 | $ 35,248,000 | $ 338,923 | $ 149,000 |
| Delaware, Pennsylvania | 79 | $ 18,140,000 | $ 229,620 | $ 173,000 |
| Bucks, Pennsylvania | 37 | $ 12,508,000 | $ 338,054 | $ 241,000 |
| Atlantic, New Jersey | 31 | $ 9,383,000 | $ 302,677 | $ 268,000 |
| Cecil, Maryland | 21 | $ 2,761,000 | $ 131,476 | $ 96,000 |
| Cape May, New Jersey | 18 | $ 7,211,000 | $ 400,611 | $ 297,000 |
| Camden, New Jersey | 11 | $ 2,876,000 | $ 261,454 | $ 241,000 |
| Lancaster, Pennsylvania | 10 | $ 2,804,000 | $ 280,400 | $ 59,000 |
| Gloucester, New Jersey | 8 | $ 3,151,000 | $ 393,875 | $ 121,000 |
| Kent, Maryland | 7 | $ 1,311,000 | $ 187,285 | $ 132,000 |
| Baltimore, Maryland | 5 | $ 1,038,000 | $ 207,600 | $ 77,000 |
| Queen Anne's, Maryland | 5 | $ 125,000 | $ 25,000 | $ 93,000 |
| Burlington, New Jersey | 5 | $ 1,060,000 | $ 212,000 | $ 138,000 |
| Middlesex, New Jersey | 5 | $ 1,073,000 | $ 214,600 | $ 144,000 |
| Worcester, Maryland | 4 | $ 1,197,000 | $ 299,250 | $ 104,000 |
| Ocean, New Jersey | 4 | $ 2,005,000 | $ 501,250 | $ 241,000 |
| Chesterfield, Virginia | 4 | $ 655,000 | $ 163,750 | $ 74,000 |
| St. Johns, Florida | 3 | $ 3,895,000 | $ 1,298,333 | $ 593,000 |
| Anne Arundel, Maryland | 3 | $ 1,136,000 | $ 378,666 | $ 272,000 |
| Lehigh, Pennsylvania | 3 | $ 582,000 | $ 194,000 | $ 117,000 |
| York, Pennsylvania | 3 | $ 405,000 | $ 135,000 | $ 71,000 |
| Palm Beach, Florida | 2 | $ 460,000 | $ 230,000 | $ 175,000 |
| Harford, Maryland | 2 | $ 342,000 | $ 171,000 | $ 38,000 |
| Salem, New Jersey | 2 | $ 493,000 | $ 246,500 | $ 199,000 |
| Union, New Jersey | 2 | $ 1,026,000 | $ 513,000 | $ 135,000 |
| Kings, New York | 2 | $ 2,100,000 | $ 1,050,000 | $ 0 |
| Washington, Pennsylvania | 2 | $ 525,000 | $ 262,500 | $ 298,000 |
| Prince George, Virginia | 2 | $ 351,000 | $ 175,500 | $ 61,000 |
| Richmond City, Virginia | 2 | $ 340,000 | $ 170,000 | $ 58,000 |
| Denver, Colorado | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Hillsborough, Florida | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Lee, Florida | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Pasco, Florida | 1 | $ 340,000 | $ 340,000 | $ 165,000 |
| Gwinnett, Georgia | 1 | $ 238,000 | $ 238,000 | $ 234,000 |
| Elkhart, Indiana | 1 | $ 91,000 | $ 91,000 | $ 46,000 |
| Pulaski, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Orleans, Louisiana | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 258,000 | $ 258,000 | $ 110,000 |
| Dorchester, Maryland | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Howard, Maryland | 1 | $ 417,000 | $ 417,000 | $ 226,000 |
| Montgomery, Maryland | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Wicomico, Maryland | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Bergen, New Jersey | 1 | $ 234,000 | $ 234,000 | $ 50,000 |
| Essex, New Jersey | 1 | $ 238,000 | $ 238,000 | $ 170,000 |
| Hudson, New Jersey | 1 | $ 619,000 | $ 619,000 | $ 400,000 |
| Mercer, New Jersey | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Monmouth, New Jersey | 1 | $ 948,000 | $ 948,000 | $ 341,000 |
| Somerset, New Jersey | 1 | $ 616,000 | $ 616,000 | $ 169,000 |
| Dare, North Carolina | 1 | $ 344,000 | $ 344,000 | $ 949,000 |
| Berks, Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 48,000 |
| Centre, Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 199,000 |
| Cumberland, Pennsylvania | 1 | $ 242,000 | $ 242,000 | $ 77,000 |
| Dauphin, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Monroe, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
| Northampton, Pennsylvania | 1 | $ 101,000 | $ 101,000 | $ 92,000 |
| Pike, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 190,000 |
| Union, Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 101,000 |
| Georgetown, South Carolina | 1 | $ 76,000 | $ 76,000 | $ 117,000 |
| Horry, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Dallas, Texas | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Alexandria, Virginia | 1 | $ 359,000 | $ 359,000 | $ 144,000 |
| Colonial Heights, Virginia | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Fauquier, Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 237,000 |
| Frederick, Virginia | 1 | $ 142,000 | $ 142,000 | $ 56,000 |
| Hanover, Virginia | 1 | $ 198,000 | $ 198,000 | $ 153,000 |
| Virginia Beach, Virginia | 1 | $ 172,000 | $ 172,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Wilmington Savings Fund Society, FSB in 2013
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 | 1,256 | $281,592,000 | $224,000 | $3,560,000 | $144,000 | $2,150,000 |
| Home Improvement | 536 | $22,357,000 | $41,000 | $640,000 | $78,000 | $614,000 |
| Home Purchase | 470 | $118,021,000 | $251,000 | $2,000,000 | $130,000 | $1,466,000 |
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 | 1,887 | $347,959,000 | $184,000 | $2,465,000 | $135,000 | $2,150,000 |
| Black or African American | 129 | $12,344,000 | $95,000 | $417,000 | $74,000 | $451,000 |
| Not applicable | 71 | $35,682,000 | $502,000 | $3,560,000 | $0 | $0 |
| Hispanic | 68 | $7,947,000 | $116,000 | $768,000 | $100,000 | $630,000 |
| Asian | 50 | $10,259,000 | $205,000 | $1,000,000 | $126,000 | $468,000 |
| Not Provided | 43 | $5,994,000 | $139,000 | $979,000 | $102,000 | $574,000 |
| American Indian or Alaskan Native | 7 | $526,000 | $75,000 | $292,000 | $78,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,259,000 | $179,000 | $417,000 | $157,000 | $407,000 |
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) | 2,239 | $417,582,000 | $186,000 | $3,560,000 | $126,000 | $2,150,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,388,000 | $190,000 | $424,000 | $72,000 | $574,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,724 | $363,607,000 | $210,000 | $3,560,000 | $136,000 | $1,780,000 |
| Application Denied By Financial Institution | 424 | $34,766,000 | $81,000 | $979,000 | $75,000 | $1,462,000 |
| Application Approved But Not Accepted | 61 | $10,005,000 | $164,000 | $544,000 | $126,000 | $837,000 |
| Application Withdrawn By Applicant | 53 | $13,592,000 | $256,000 | $1,500,000 | $180,000 | $2,150,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 136 | $5,297,000 | $38,000 | $417,000 | $59,000 | $211,000 |
| Debt-To-Income Ratio | 116 | $8,349,000 | $71,000 | $979,000 | $53,000 | $324,000 |
| Collateral | 105 | $15,520,000 | $147,000 | $463,000 | $112,000 | $1,462,000 |
| Unverifiable Information | 48 | $2,868,000 | $59,000 | $783,000 | $84,000 | $410,000 |
| Other | 9 | $1,141,000 | $126,000 | $325,000 | $145,000 | $425,000 |
| Employment History | 4 | $462,000 | $115,000 | $417,000 | $53,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $421,000 | $140,000 | $201,000 | $44,000 | $91,000 |
| Credit Application Incomplete | 3 | $708,000 | $236,000 | $417,000 | $95,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilmington Savings Fund Society, FSB's 2013 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 Wilmington Savings Fund Society, FSB'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.
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