Applications / Mortgage Analytics / Lenders / Maryland / Hebron Savings Bank
Hebron, MD · State non-member bank · FDIC · $814 million assets · 47 loans in 2025
Hebron Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
47
loans originated, 2025
78
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hebron Savings Bank, a small Maryland lender, makes a larger share of its loans in majority-minority neighborhoods than most similar banks.
Of its 47 loans, 21.3% were in neighborhoods where most residents belong to minority groups, against 5.6% at similar lenders (state non-member banks making between half and twice as many loans). That is higher than at about three in four peers. It also lent 25.5% in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.3% for peers. The markets it serves, around Salisbury and non-metro Maryland, may explain both.
Its loans rose 31%, to 47 from 36, while similar lenders grew 3%; about three in four peers grew more slowly. The longer record runs the other way. It made 144 loans in 2018 and 107 in 2020.
Home purchases made up 61.7% of its lending. Its typical loan was $215,000, against $165,000 at similar lenders, larger than at about two in three of them. A book weighted toward purchases may account for that.
In Salisbury its share of mortgage dollars eased to 0.9% from 1.1%, ranking it 25 of 205 lenders; Merchants Capital leads. For a lender this small, a few loans either way move that share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hebron Savings Bank took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.7% · Home improvement 19.1% · Refinance 17.0% · Other 2.1%
Conventional 100.0% · of 47 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 42 | 89.4% |
| Delaware | 4 | 8.5% |
| Florida | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salisbury | 23 |
| Dover | 2 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RPUEZ5IC514S19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 780722 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38811 | 2004–2017 |
Established 11 June 1910. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Hebron Savings Bank's data.
Hebron Savings Bank's data
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Hebron Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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