First Mariner Bank Mortgage Lending & HMDA Data, 2017
In 2017, First Mariner Bank of Baltimore, MD reported 1,865 mortgage applications totaling $600.1 million, down 33% from 2016. The average application was for $321,778, and applicants reported an average income of $124,658. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (592), Washington-Arlington-Alexandria, DC-VA-MD-WV (578) and Silver Spring-Frederick-Rockville, MD (173) (applications in parentheses).
| Mortgage Company & Address | First Mariner Bank 3301 Boston Street Baltimore, MD 21224 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,865 |
| Total Mortgage Loan Application Amount | $600,117,000 |
| Average Mortgage Loan Application Amount | $321,778 |
| Highest Mortgage Loan Application Amount | $1,507,000 |
| Average Applicant Income | $124,658 |
| Highest Applicant Income | $2,584,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Mariner Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore-Columbia-Towson, MD | 592 | $ 174,381,000 | $ 294,562 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 578 | $ 221,960,000 | $ 384,013 | $ 136,505 |
| Silver Spring-Frederick-Rockville, MD | 173 | $ 66,615,000 | $ 385,057 | $ 141,000 |
| Tallahassee, FL | 96 | $ 20,488,000 | $ 213,416 | $ 88,000 |
| California-Lexington Park, MD | 63 | $ 17,249,000 | $ 273,793 | $ 103,000 |
| Salisbury, MD-DE | 63 | $ 16,913,000 | $ 268,460 | $ 153,666 |
| San Antonio-New Braunfels, TX | 18 | $ 4,779,000 | $ 265,500 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,997,000 | $ 272,454 | $ 108,545 |
| Wilmington, DE-MD-NJ | 11 | $ 4,146,000 | $ 376,909 | $ 177,909 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 2,406,000 | $ 240,600 | $ 94,000 |
| Dover, DE | 8 | $ 2,079,000 | $ 259,875 | $ 81,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 2,764,000 | $ 345,500 | $ 135,500 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,470,000 | $ 210,000 | $ 70,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,276,000 | $ 212,666 | $ 94,000 |
| Richmond, VA | 5 | $ 964,000 | $ 192,800 | $ 101,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,361,000 | $ 272,200 | $ 70,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,538,000 | $ 307,600 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,463,000 | $ 292,600 | $ 122,000 |
| Dayton, OH | 4 | $ 774,000 | $ 193,500 | $ 59,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,122,000 | $ 280,500 | $ 332,750 |
| Austin-Round Rock, TX | 3 | $ 1,564,000 | $ 521,333 | $ 151,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 665,000 | $ 221,666 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 918,000 | $ 306,000 | $ 83,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 477,000 | $ 159,000 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,666,000 | $ 555,333 | $ 225,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 865,000 | $ 288,333 | $ 113,000 |
| Oklahoma City, OK | 3 | $ 993,000 | $ 331,000 | $ 79,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 684,000 | $ 228,000 | $ 23,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,285,000 | $ 428,333 | $ 167,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,690,000 | $ 563,333 | $ 128,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 978,000 | $ 326,000 | $ 98,000 |
| Barnstable Town, MA | 2 | $ 427,000 | $ 213,500 | $ 232,000 |
| Battle Creek, MI | 2 | $ 218,000 | $ 109,000 | $ 62,000 |
| Charleston-North Charleston, SC | 2 | $ 652,000 | $ 326,000 | $ 236,000 |
| Colorado Springs, CO | 2 | $ 588,000 | $ 294,000 | $ 162,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 246,000 | $ 123,000 | $ 118,000 |
| Fayetteville, NC | 2 | $ 312,000 | $ 156,000 | $ 88,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 681,000 | $ 340,500 | $ 249,000 |
| Homosassa Springs, FL | 2 | $ 384,000 | $ 192,000 | $ 90,000 |
| Jacksonville, FL | 2 | $ 820,000 | $ 410,000 | $ 56,000 |
| Jacksonville, NC | 2 | $ 884,000 | $ 442,000 | $ 145,000 |
| Killeen-Temple, TX | 2 | $ 439,000 | $ 219,500 | $ 57,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 291,000 | $ 145,500 | $ 106,000 |
| Newark, NJ-PA | 2 | $ 855,000 | $ 427,500 | $ 490,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 925,000 | $ 462,500 | $ 115,000 |
| Olympia-Tumwater, WA | 2 | $ 693,000 | $ 346,500 | $ 104,000 |
| Philadelphia, PA | 2 | $ 734,000 | $ 367,000 | $ 171,000 |
| Pittsburgh, PA | 2 | $ 508,000 | $ 254,000 | $ 101,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 311,000 | $ 155,500 | $ 20,000 |
| Providence-Warwick, RI-MA | 2 | $ 656,000 | $ 328,000 | $ 218,000 |
| Roanoke, VA | 2 | $ 799,000 | $ 399,500 | $ 310,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,038,000 | $ 519,000 | $ 107,000 |
| Savannah, GA | 2 | $ 448,000 | $ 224,000 | $ 66,000 |
| St. Louis, MO-IL | 2 | $ 997,000 | $ 498,500 | $ 190,000 |
| Stockton-Lodi, CA | 2 | $ 588,000 | $ 294,000 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 326,000 | $ 163,000 | $ 141,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 332,000 | $ 332,000 | $ 152,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 291,000 | $ 291,000 | $ 112,000 |
| Anchorage, AK | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Beckley, WV | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Billings, MT | 1 | $ 181,000 | $ 181,000 | $ 15,000 |
| Binghamton, NY | 1 | $ 101,000 | $ 101,000 | $ 154,000 |
| Birmingham-Hoover, AL | 1 | $ 167,000 | $ 167,000 | $ 72,000 |
| Boulder, CO | 1 | $ 529,000 | $ 529,000 | $ 105,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Burlington-South Burlington, VT | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Camden, NJ | 1 | $ 269,000 | $ 269,000 | $ 120,000 |
| Canton-Massillon, OH | 1 | $ 155,000 | $ 155,000 | $ 188,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 290,000 | $ 290,000 | $ 86,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 253,000 | $ 253,000 | $ 95,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 664,000 | $ 664,000 | $ 325,000 |
| Cincinnati, OH-KY-IN | 1 | $ 311,000 | $ 311,000 | $ 257,000 |
| Columbus, GA-AL | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Columbus, OH | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 206,000 | $ 206,000 | $ 81,000 |
| El Paso, TX | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Fort Collins, CO | 1 | $ 400,000 | $ 400,000 | $ 83,000 |
| Gettysburg, PA | 1 | $ 210,000 | $ 210,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 255,000 | $ 255,000 | $ 34,000 |
| Harrisburg-Carlisle, PA | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 242,000 | $ 242,000 | $ 180,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 94,000 | $ 94,000 | $ 114,000 |
| Knoxville, TN | 1 | $ 232,000 | $ 232,000 | $ 52,000 |
| Kokomo, IN | 1 | $ 72,000 | $ 72,000 | $ 37,000 |
| Lakeland-Winter Haven, FL | 1 | $ 84,000 | $ 84,000 | $ 157,000 |
| Manchester-Nashua, NH | 1 | $ 261,000 | $ 261,000 | $ 315,000 |
| Manhattan, KS | 1 | $ 162,000 | $ 162,000 | $ 81,000 |
| Medford, OR | 1 | $ 159,000 | $ 159,000 | $ 63,000 |
| Memphis, TN-MS-AR | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 396,000 | $ 396,000 | $ 211,000 |
| Montgomery, AL | 1 | $ 408,000 | $ 408,000 | $ 183,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 179,000 | $ 179,000 | $ 277,000 |
| New Bern, NC | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| New Orleans-Metairie, LA | 1 | $ 213,000 | $ 213,000 | $ 104,000 |
| Ogden-Clearfield, UT | 1 | $ 198,000 | $ 198,000 | $ 46,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 96,000 | $ 96,000 | $ 122,000 |
| Portland-South Portland, ME | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Raleigh, NC | 1 | $ 344,000 | $ 344,000 | $ 120,000 |
| Rocky Mount, NC | 1 | $ 50,000 | $ 50,000 | $ 209,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 724,000 | $ 724,000 | $ 160,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 540,000 | $ 540,000 | $ 107,000 |
| Sebring, FL | 1 | $ 160,000 | $ 160,000 | $ 160,000 |
| Springfield, MA | 1 | $ 385,000 | $ 385,000 | $ 174,000 |
| The Villages, FL | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Tucson, AZ | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Visalia-Porterville, CA | 1 | $ 189,000 | $ 189,000 | $ 62,000 |
| Warner Robins, GA | 1 | $ 78,000 | $ 78,000 | $ 21,000 |
| Wichita, KS | 1 | $ 139,000 | $ 139,000 | $ 47,000 |
| Winchester, VA-WV | 1 | $ 473,000 | $ 473,000 | $ 133,000 |
| Winston-Salem, NC | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Worcester, MA-CT | 1 | $ 308,000 | $ 308,000 | $ 279,000 |
| York-Hanover, PA | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 333,000 | $ 333,000 | $ 90,000 |
| Yuba City, CA | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for First Mariner Bank in 2017
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 | 1,460 | $479,311,000 | $328,000 | $1,507,000 | $123,000 | $2,584,000 |
| Refinancing | 384 | $114,866,000 | $299,000 | $1,193,000 | $131,000 | $850,000 |
| Home Improvement | 21 | $5,940,000 | $282,000 | $950,000 | $124,000 | $216,000 |
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 | 1,276 | $403,506,000 | $316,000 | $1,507,000 | $129,000 | $2,584,000 |
| Black or African American | 254 | $79,170,000 | $311,000 | $708,000 | $107,000 | $362,000 |
| Not Provided | 166 | $63,225,000 | $380,000 | $1,102,000 | $137,000 | $632,000 |
| Asian | 80 | $27,999,000 | $349,000 | $998,000 | $120,000 | $430,000 |
| Hispanic | 69 | $19,601,000 | $284,000 | $744,000 | $102,000 | $435,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,778,000 | $254,000 | $494,000 | $145,000 | $253,000 |
| American Indian or Alaskan Native | 7 | $1,989,000 | $284,000 | $688,000 | $87,000 | $133,000 |
| Not applicable | 6 | $2,849,000 | $474,000 | $950,000 | $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) | 1,081 | $352,699,000 | $326,000 | $1,507,000 | $143,000 | $2,584,000 |
| VA-guaranteed (Veterans Administration) | 360 | $134,628,000 | $373,000 | $1,179,000 | $114,000 | $786,000 |
| FHA-insured (Federal Housing Administration) | 314 | $86,946,000 | $276,000 | $647,000 | $91,000 | $299,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 110 | $25,844,000 | $234,000 | $423,000 | $68,000 | $127,000 |
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 | 1,449 | $469,390,000 | $323,000 | $1,507,000 | $126,000 | $2,584,000 |
| Application Withdrawn By Applicant | 277 | $91,871,000 | $331,000 | $1,320,000 | $127,000 | $780,000 |
| Application Denied By Financial Institution | 59 | $15,025,000 | $254,000 | $660,000 | $110,000 | $362,000 |
| File Closed For Incompleteness | 46 | $13,328,000 | $289,000 | $745,000 | $117,000 | $645,000 |
| Application Approved But Not Accepted | 29 | $8,895,000 | $306,000 | $700,000 | $104,000 | $290,000 |
| Preapproval Denied by Financial Institution | 4 | $994,000 | $248,000 | $364,000 | $80,000 | $106,000 |
| Loan Purchased By The Institution | 1 | $614,000 | $614,000 | $614,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Mariner Bank's 2017 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 First Mariner 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.
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