California-Lexington Park, MD Metro Area Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 7,105 mortgage applications in California-Lexington Park, MD metro area totaling $1.9 billion, up 14% from 2015. The average application was for $264,935, and applicants reported an average income of $84,000. 49% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 568 applications, followed by Navy Federal Credit Union and loanDepot.com LLC.
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| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 7,105 |
| Total Mortgage Loan Application Amount | $1,882,364,000 |
| Average Mortgage Loan Application Amount | $264,935 |
| Highest Mortgage Loan Application Amount | $19,038,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $3,416,000 |
Top Mortgage Lenders in California-Lexington Park, MD Metro Area (2016)
Ranked by the number of mortgage applications each lender reported in California-Lexington Park, MD metro area in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
568 | $158,033,000 | $278,000 | $82,000 |
| 2 | Navy Federal Credit Union Vienna, VA |
555 | $133,170,000 | $239,000 | $129,000 |
| 3 | loanDepot.com LLC Irvine, CA |
377 | $97,480,000 | $258,000 | $90,000 |
| 4 | First Home Mortgage Baltimore, MD |
357 | $95,004,000 | $266,000 | $94,000 |
| 5 | Freedom Mortgage Corporation Fishers, IN |
251 | $68,534,000 | $273,000 | $7,000 |
| 6 | PennyMac Loan Services LLC Westlake Village, CA |
244 | $66,179,000 | $271,000 | $1,000 |
| 7 | Townebank Portsmouth, VA |
198 | $54,008,000 | $272,000 | $99,000 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
156 | $43,602,000 | $279,000 | $105,000 |
| 9 | Suntrust Mortgage, Inc. Richmond, VA |
152 | $40,108,000 | $263,000 | $119,000 |
| 10 | Presidential Bank, FSB Bethesda, MD |
149 | $47,612,000 | $319,000 | $112,000 |
See every lender active in California-Lexington Park, MD metro area in 2016 »
The tables below break down 2016 mortgage applications in California-Lexington Park, MD metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for California-Lexington Park, MD in 2016
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 | 3,797 | $1,019,949,000 | $268,000 | $11,272,000 | $80,000 | $3,416,000 |
| Home Purchase | 2,875 | $816,516,000 | $284,000 | $19,038,000 | $86,000 | $2,338,000 |
| Home Improvement | 433 | $45,899,000 | $106,000 | $6,731,000 | $106,000 | $480,000 |
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 | 4,288 | $1,117,407,000 | $260,000 | $1,494,000 | $98,000 | $3,416,000 |
| Not applicable | 969 | $307,593,000 | $317,000 | $19,038,000 | $15,000 | $1,200,000 |
| Not Provided | 867 | $226,787,000 | $261,000 | $826,000 | $95,000 | $1,200,000 |
| Black or African American | 613 | $134,539,000 | $219,000 | $584,000 | $71,000 | $1,859,000 |
| Hispanic | 181 | $48,660,000 | $268,000 | $666,000 | $79,000 | $277,000 |
| Asian | 128 | $31,691,000 | $247,000 | $522,000 | $118,000 | $2,022,000 |
| American Indian or Alaskan Native | 47 | $12,130,000 | $258,000 | $619,000 | $75,000 | $212,000 |
| Native Hawaiin or Other Pacific Islander | 12 | $3,557,000 | $296,000 | $418,000 | $100,000 | $260,000 |
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) | 3,412 | $824,514,000 | $241,000 | $11,272,000 | $114,000 | $3,416,000 |
| VA-guaranteed (Veterans Administration) | 2,148 | $680,511,000 | $316,000 | $964,000 | $61,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 994 | $250,666,000 | $252,000 | $19,038,000 | $52,000 | $2,022,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 551 | $126,673,000 | $229,000 | $395,000 | $43,000 | $114,000 |
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 | 3,446 | $951,407,000 | $276,000 | $19,038,000 | $96,000 | $3,416,000 |
| Loan Purchased By The Institution | 1,346 | $369,806,000 | $274,000 | $826,000 | $38,000 | $1,200,000 |
| Application Denied By Financial Institution | 1,065 | $240,754,000 | $226,000 | $1,000,000 | $92,000 | $1,800,000 |
| Application Withdrawn By Applicant | 797 | $205,895,000 | $258,000 | $863,000 | $98,000 | $2,022,000 |
| File Closed For Incompleteness | 279 | $68,370,000 | $245,000 | $643,000 | $89,000 | $1,859,000 |
| Application Approved But Not Accepted | 172 | $46,132,000 | $268,000 | $6,320,000 | $80,000 | $362,000 |
| 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 | 158 | $24,417,000 | $154,000 | $450,000 | $89,000 | $781,000 |
| Collateral | 135 | $34,044,000 | $252,000 | $808,000 | $107,000 | $650,000 |
| Credit Application Incomplete | 130 | $31,700,000 | $243,000 | $734,000 | $102,000 | $648,000 |
| Debt-To-Income Ratio | 112 | $23,281,000 | $207,000 | $949,000 | $82,000 | $370,000 |
| Other | 65 | $11,863,000 | $182,000 | $720,000 | $95,000 | $359,000 |
| Unverifiable Information | 19 | $3,416,000 | $179,000 | $360,000 | $80,000 | $301,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,854,000 | $219,000 | $378,000 | $101,000 | $523,000 |
| Employment History | 6 | $1,618,000 | $269,000 | $399,000 | $59,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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