California-Lexington Park, MD Metro Area Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 5,672 mortgage applications in California-Lexington Park, MD metro area totaling $1.4 billion, down 3% from 2017. The average application was for $238,924, and applicants reported an average income of $109,016. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was Navy Federal Credit Union, with 558 applications, followed by Wells Fargo Bank NA and First Home Mortgage.
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| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 5,672 |
| Total Mortgage Loan Application Amount | $1,355,180,000 |
| Average Mortgage Loan Application Amount | $238,924 |
| Highest Mortgage Loan Application Amount | $5,025,000 |
| Average Applicant Income | $109,016 |
| Highest Applicant Income | $3,038,000 |
Top Mortgage Lenders in California-Lexington Park, MD Metro Area (2018)
Ranked by the number of mortgage applications each lender reported in California-Lexington Park, MD metro area in 2018.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union Vienna, VA |
558 | $116,200,000 | $208,000 | $126,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
298 | $73,540,000 | $246,000 | $118,000 |
| 3 | First Home Mortgage Baltimore, MD |
273 | $75,265,000 | $275,000 | $102,000 |
| 4 | PNC Bank N.A. Pittsburgh, PA |
243 | $29,415,000 | $121,000 | $114,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
223 | $58,075,000 | $260,000 | $94,000 |
| 6 | Presidential Bank, FSB Bethesda, MD |
190 | $56,590,000 | $297,000 | $125,000 |
| 7 | Bank of America NA Westlake Village, CA |
189 | $23,875,000 | $126,000 | $95,000 |
| 8 | Caliber Home Loans, Inc. Wilmington, DE |
137 | $41,215,000 | $300,000 | $111,000 |
| 9 | Townebank Portsmouth, VA |
129 | $35,795,000 | $277,000 | $104,000 |
| 10 | Freedom Mortgage Corporation Boca Raton, FL |
128 | $33,710,000 | $263,000 | $98,000 |
See every lender active in California-Lexington Park, MD metro area in 2018 »
The tables below break down 2018 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 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,112 | $847,400,000 | $272,000 | $3,105,000 | $106,000 | $3,038,000 |
| Cash-out Refinancing | 888 | $224,040,000 | $252,000 | $755,000 | $108,000 | $602,000 |
| Refinancing | 811 | $194,895,000 | $240,000 | $5,025,000 | $105,000 | $840,000 |
| Home Improvement | 451 | $39,505,000 | $87,000 | $505,000 | $126,000 | $812,000 |
| Other Purpose | 302 | $26,420,000 | $87,000 | $775,000 | $121,000 | $952,000 |
| Not Applicable | 108 | $22,920,000 | $212,000 | $685,000 | $186,000 | $705,000 |
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 | 3,475 | $815,305,000 | $234,000 | $1,225,000 | $113,000 | $3,038,000 |
| Not applicable | 776 | $206,780,000 | $266,000 | $5,025,000 | $100,000 | $305,000 |
| Not Provided | 586 | $144,540,000 | $246,000 | $885,000 | $113,000 | $944,000 |
| Black or African American | 543 | $116,815,000 | $215,000 | $625,000 | $81,000 | $334,000 |
| Hispanic | 136 | $32,970,000 | $242,000 | $745,000 | $89,000 | $307,000 |
| Asian | 110 | $28,880,000 | $262,000 | $685,000 | $112,000 | $425,000 |
| American Indian or Alaskan Native | 25 | $5,185,000 | $207,000 | $605,000 | $91,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,325,000 | $265,000 | $365,000 | $88,000 | $130,000 |
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) | 3,020 | $623,260,000 | $206,000 | $5,025,000 | $120,000 | $3,038,000 |
| VA-guaranteed (Veterans Administration) | 1,330 | $426,740,000 | $320,000 | $1,005,000 | $110,000 | $559,000 |
| FHA-insured (Federal Housing Administration) | 802 | $184,210,000 | $229,000 | $425,000 | $75,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 520 | $120,970,000 | $232,000 | $415,000 | $70,000 | $123,000 |
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 | 2,854 | $711,140,000 | $249,000 | $5,025,000 | $112,000 | $952,000 |
| Loan Purchased By The Institution | 969 | $256,615,000 | $264,000 | $1,005,000 | $104,000 | $602,000 |
| Application Denied By Financial Institution | 810 | $140,290,000 | $173,000 | $845,000 | $102,000 | $812,000 |
| Application Withdrawn By Applicant | 758 | $187,900,000 | $247,000 | $755,000 | $109,000 | $3,038,000 |
| File Closed For Incompleteness | 187 | $40,065,000 | $214,000 | $805,000 | $100,000 | $780,000 |
| Application Approved But Not Accepted | 94 | $19,170,000 | $203,000 | $805,000 | $115,000 | $700,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,810 | $1,195,480,000 | $248,000 | $3,105,000 | $110,000 | $3,038,000 |
| Credit History | 217 | $32,295,000 | $148,000 | $735,000 | $101,000 | $812,000 |
| Debt-To-Income Ratio | 196 | $46,030,000 | $234,000 | $5,025,000 | $95,000 | $438,000 |
| Collateral | 165 | $32,495,000 | $196,000 | $845,000 | $120,000 | $554,000 |
| Other | 120 | $14,210,000 | $118,000 | $525,000 | $121,000 | $334,000 |
| Credit Application Incomplete | 105 | $23,965,000 | $228,000 | $555,000 | $99,000 | $528,000 |
| Unverifiable Information | 32 | $4,650,000 | $145,000 | $435,000 | $80,000 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $5,575,000 | $223,000 | $805,000 | $99,000 | $201,000 |
| Employment History | 2 | $480,000 | $240,000 | $325,000 | $40,000 | $81,000 |
| 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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