B. F. Saul Mortgage Company Mortgage Lending & HMDA Data, 2009

In 2009, B. F. Saul Mortgage Company of Bethesda, MO reported 3,819 mortgage applications totaling $1.1 billion. The average application was for $299,922, and applicants reported an average income of $127,829. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,891), Virginia Beach-Norfolk-Newport News, VA-NC (643) and Bethesda-Frederick-Rockville, MD (638) (applications in parentheses).

Mortgage Company & Address B. F. Saul Mortgage Company
7501 Wisconsin Ave 13th Flr-W
Bethesda, MO 20814
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  
Total Number of Mortgage Applications 3,819
Total Mortgage Loan Application Amount $1,145,405,000
Average Mortgage Loan Application Amount $299,922
Highest Mortgage Loan Application Amount $5,350,000
Average Applicant Income $127,829
Highest Applicant Income $3,480,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records B. F. Saul Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for B. F. Saul Mortgage Company by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fairfax, Virginia 657 $ 213,255,000 $ 324,589 $ 140,000
Montgomery, Maryland 604 $ 210,230,000 $ 348,062 $ 148,000
District of Columbia, District Of Columbia 341 $ 123,914,000 $ 363,384 $ 179,000
Prince William, Virginia 223 $ 56,480,000 $ 253,273 $ 105,000
Loudoun, Virginia 195 $ 67,840,000 $ 347,897 $ 135,000
Newport News, Virginia 174 $ 32,282,000 $ 185,528 $ 69,000
Arlington, Virginia 152 $ 55,886,000 $ 367,671 $ 155,000
Howard, Maryland 138 $ 39,969,000 $ 289,630 $ 121,000
Hampton, Virginia 116 $ 19,767,000 $ 170,405 $ 59,000
York, Virginia 113 $ 27,518,000 $ 243,522 $ 83,000
Prince George's, Maryland 91 $ 22,177,000 $ 243,703 $ 92,000
Alexandria, Virginia 86 $ 29,108,000 $ 338,465 $ 116,000
Anne Arundel, Maryland 77 $ 21,544,000 $ 279,792 $ 124,000
Baltimore, Maryland 72 $ 16,654,000 $ 231,305 $ 111,000
Suffolk, Virginia 56 $ 13,238,000 $ 236,392 $ 79,000
James City, Virginia 45 $ 10,834,000 $ 240,755 $ 86,000
Virginia Beach, Virginia 41 $ 9,704,000 $ 236,682 $ 81,000
Frederick, Maryland 34 $ 9,671,000 $ 284,441 $ 115,000
Sussex, Delaware 30 $ 13,401,000 $ 446,700 $ 259,000
Isle of Wight, Virginia 30 $ 7,595,000 $ 253,166 $ 71,000
Baltimore City, Maryland 26 $ 4,213,000 $ 162,038 $ 83,000
Manassas, Virginia 21 $ 4,557,000 $ 217,000 $ 89,000
Carroll, Maryland 20 $ 6,054,000 $ 302,700 $ 106,000
Stafford, Virginia 20 $ 5,819,000 $ 290,950 $ 96,000
Chesapeake, Virginia 17 $ 4,046,000 $ 238,000 $ 83,000
Fairfax City, Virginia 17 $ 4,874,000 $ 286,705 $ 98,000
Spotsylvania, Virginia 17 $ 4,725,000 $ 277,941 $ 82,000
Fairfield, Connecticut 16 $ 6,283,000 $ 392,687 $ 169,000
Poquoson, Virginia 16 $ 4,342,000 $ 271,375 $ 77,000
Gloucester, Virginia 14 $ 2,259,000 $ 161,357 $ 54,000
Clarke, Virginia 13 $ 3,398,000 $ 261,384 $ 98,000
Fauquier, Virginia 13 $ 3,296,000 $ 253,538 $ 117,000
Harford, Maryland 12 $ 3,452,000 $ 287,666 $ 100,000
Worcester, Maryland 12 $ 2,635,000 $ 219,583 $ 152,000
Calvert, Maryland 10 $ 3,109,000 $ 310,900 $ 144,000
Falls Church, Virginia 10 $ 2,838,000 $ 283,800 $ 120,000
Henrico, Virginia 10 $ 2,109,000 $ 210,900 $ 88,000
Norfolk, Virginia 9 $ 1,266,000 $ 140,666 $ 28,000
Washington, Maryland 8 $ 1,933,000 $ 241,625 $ 86,000
Dare, North Carolina 8 $ 2,282,000 $ 285,250 $ 154,000
Charles, Maryland 7 $ 2,323,000 $ 331,857 $ 143,000
Manassas Park, Virginia 7 $ 1,274,000 $ 182,000 $ 68,000
St. Mary's, Maryland 6 $ 2,031,000 $ 338,500 $ 141,000
Greenville, South Carolina 6 $ 542,000 $ 90,333 $ 81,000
Richmond City, Virginia 6 $ 976,000 $ 162,666 $ 57,000
Gates, North Carolina 5 $ 1,314,000 $ 262,800 $ 96,000
York, Pennsylvania 5 $ 789,000 $ 157,800 $ 46,000
Portsmouth, Virginia 5 $ 1,113,000 $ 222,600 $ 75,000
Westmoreland, Virginia 5 $ 1,433,000 $ 286,600 $ 181,000
Queen Anne's, Maryland 4 $ 1,323,000 $ 330,750 $ 127,000
Talbot, Maryland 4 $ 4,059,000 $ 1,014,750 $ 518,000
Albemarle, Virginia 4 $ 1,049,000 $ 262,250 $ 223,000
Chesterfield, Virginia 4 $ 956,000 $ 239,000 $ 82,000
Fredericksburg, Virginia 4 $ 1,103,000 $ 275,750 $ 140,000
Orange, Virginia 4 $ 483,000 $ 120,750 $ 54,000
Southampton, Virginia 4 $ 758,000 $ 189,500 $ 63,000
Warren, Virginia 4 $ 809,000 $ 202,250 $ 78,000
Maricopa, Arizona 3 $ 1,545,000 $ 515,000 $ 206,000
Garrett, Maryland 3 $ 1,172,000 $ 390,666 $ 168,000
Essex, Massachusetts 3 $ 1,160,000 $ 386,666 $ 97,000
Camden, New Jersey 3 $ 613,000 $ 204,333 $ 89,000
Middlesex, New Jersey 3 $ 796,000 $ 265,333 $ 132,000
Allegheny, Pennsylvania 3 $ 1,045,000 $ 348,333 $ 396,000
Rappahannock, Virginia 3 $ 2,169,000 $ 723,000 $ 604,000
Shenandoah, Virginia 3 $ 790,000 $ 263,333 $ 81,000
Williamsburg, Virginia 3 $ 871,000 $ 290,333 $ 88,000
Jefferson, West Virginia 3 $ 700,000 $ 233,333 $ 79,000
Los Angeles, California 2 $ 468,000 $ 234,000 $ 64,000
New Castle, Delaware 2 $ 504,000 $ 252,000 $ 120,000
Orange, Florida 2 $ 410,000 $ 205,000 $ 40,000
Sarasota, Florida 2 $ 640,000 $ 320,000 $ 69,000
St. Lucie, Florida 2 $ 369,000 $ 184,500 $ 297,000
Cook, Illinois 2 $ 1,008,000 $ 504,000 $ 134,000
Cecil, Maryland 2 $ 668,000 $ 334,000 $ 94,000
Dorchester, Maryland 2 $ 588,000 $ 294,000 $ 89,000
Wicomico, Maryland 2 $ 387,000 $ 193,500 $ 57,000
Barnstable, Massachusetts 2 $ 890,000 $ 445,000 $ 289,000
Nantucket, Massachusetts 2 $ 725,000 $ 362,500 $ 710,000
Washoe, Nevada 2 $ 549,000 $ 274,500 $ 105,000
Essex, New Jersey 2 $ 816,000 $ 408,000 $ 207,000
Currituck, North Carolina 2 $ 620,000 $ 310,000 $ 114,000
Guilford, North Carolina 2 $ 682,000 $ 341,000 $ 67,000
Mecklenburg, North Carolina 2 $ 286,000 $ 143,000 $ 55,000
Chester, Pennsylvania 2 $ 527,000 $ 263,500 $ 72,000
Franklin, Pennsylvania 2 $ 614,000 $ 307,000 $ 97,000
Newport, Rhode Island 2 $ 559,000 $ 279,500 $ 72,000
Knox, Tennessee 2 $ 616,000 $ 308,000 $ 73,000
Botetourt, Virginia 2 $ 726,000 $ 363,000 $ 495,000
Charlottesville, Virginia 2 $ 465,000 $ 232,500 $ 46,000
Frederick, Virginia 2 $ 335,000 $ 167,500 $ 116,000
King George, Virginia 2 $ 700,000 $ 350,000 $ 109,000
Mathews, Virginia 2 $ 543,000 $ 271,500 $ 61,000
New Kent, Virginia 2 $ 421,000 $ 210,500 $ 73,000
Alameda, California 1 $ 252,000 $ 252,000 $ 93,000
Calaveras, California 1 $ 144,000 $ 144,000 $ 164,000
Contra Costa, California 1 $ 250,000 $ 250,000 $ 64,000
Nevada, California 1 $ 108,000 $ 108,000 $ 48,000
Orange, California 1 $ 236,000 $ 236,000 $ 510,000
Santa Clara, California 1 $ 417,000 $ 417,000 $ 241,000
Sonoma, California 1 $ 376,000 $ 376,000 $ 0
Hartford, Connecticut 1 $ 238,000 $ 238,000 $ 117,000
Kent, Delaware 1 $ 232,000 $ 232,000 $ 45,000
Broward, Florida 1 $ 417,000 $ 417,000 $ 553,000
Duval, Florida 1 $ 398,000 $ 398,000 $ 73,000
Miami-Dade, Florida 1 $ 158,000 $ 158,000 $ 200,000
Okaloosa, Florida 1 $ 224,000 $ 224,000 $ 49,000
St. Johns, Florida 1 $ 417,000 $ 417,000 $ 83,000
Columbia, Georgia 1 $ 293,000 $ 293,000 $ 119,000
Fulton, Georgia 1 $ 269,000 $ 269,000 $ 109,000
Gwinnett, Georgia 1 $ 404,000 $ 404,000 $ 357,000
Kauai, Hawaii 1 $ 510,000 $ 510,000 $ 110,000
DuPage, Illinois 1 $ 102,000 $ 102,000 $ 26,000
Kane, Illinois 1 $ 207,000 $ 207,000 $ 99,000
Lake, Illinois 1 $ 152,000 $ 152,000 $ 108,000
McLean, Illinois 1 $ 61,000 $ 61,000 $ 29,000
Hamilton, Indiana 1 $ 234,000 $ 234,000 $ 117,000
Kenton, Kentucky 1 $ 399,000 $ 399,000 $ 182,000
Shelby, Kentucky 1 $ 250,000 $ 250,000 $ 54,000
Caddo, Louisiana 1 $ 70,000 $ 70,000 $ 31,000
Orleans, Louisiana 1 $ 332,000 $ 332,000 $ 150,000
Cumberland, Maine 1 $ 186,000 $ 186,000 $ 58,000
Caroline, Maryland 1 $ 127,000 $ 127,000 $ 65,000
Kent, Maryland 1 $ 400,000 $ 400,000 $ 545,000
Middlesex, Massachusetts 1 $ 327,000 $ 327,000 $ 216,000
Norfolk, Massachusetts 1 $ 362,000 $ 362,000 $ 102,000
Suffolk, Massachusetts 1 $ 417,000 $ 417,000 $ 160,000
Worcester, Massachusetts 1 $ 264,000 $ 264,000 $ 213,000
Macomb, Michigan 1 $ 270,000 $ 270,000 $ 84,000
Lafayette, Mississippi 1 $ 268,000 $ 268,000 $ 99,000
Cass, Missouri 1 $ 196,000 $ 196,000 $ 88,000
Missoula, Montana 1 $ 271,000 $ 271,000 $ 148,000
Carroll, New Hampshire 1 $ 209,000 $ 209,000 $ 560,000
Rockingham, New Hampshire 1 $ 258,000 $ 258,000 $ 329,000
Bergen, New Jersey 1 $ 235,000 $ 235,000 $ 172,000
Burlington, New Jersey 1 $ 130,000 $ 130,000 $ 53,000
Passaic, New Jersey 1 $ 232,000 $ 232,000 $ 97,000
Bronx, New York 1 $ 296,000 $ 296,000 $ 65,000
Dutchess, New York 1 $ 260,000 $ 260,000 $ 158,000
Westchester, New York 1 $ 417,000 $ 417,000 $ 160,000
Carteret, North Carolina 1 $ 205,000 $ 205,000 $ 61,000
Catawba, North Carolina 1 $ 282,000 $ 282,000 $ 109,000
Cumberland, North Carolina 1 $ 50,000 $ 50,000 $ 164,000
Iredell, North Carolina 1 $ 413,000 $ 413,000 $ 147,000
Moore, North Carolina 1 $ 128,000 $ 128,000 $ 135,000
New Hanover, North Carolina 1 $ 195,000 $ 195,000 $ 64,000
Union, North Carolina 1 $ 224,000 $ 224,000 $ 94,000
Wake, North Carolina 1 $ 417,000 $ 417,000 $ 84,000
Lorain, Ohio 1 $ 252,000 $ 252,000 $ 111,000
Hood River, Oregon 1 $ 326,000 $ 326,000 $ 545,000
Adams, Pennsylvania 1 $ 259,000 $ 259,000 $ 0
Centre, Pennsylvania 1 $ 270,000 $ 270,000 $ 176,000
Cumberland, Pennsylvania 1 $ 255,000 $ 255,000 $ 162,000
Delaware, Pennsylvania 1 $ 212,000 $ 212,000 $ 75,000
Lehigh, Pennsylvania 1 $ 228,000 $ 228,000 $ 165,000
Montgomery, Pennsylvania 1 $ 237,000 $ 237,000 $ 115,000
Northampton, Pennsylvania 1 $ 204,000 $ 204,000 $ 105,000
Philadelphia, Pennsylvania 1 $ 275,000 $ 275,000 $ 165,000
Beaufort, South Carolina 1 $ 417,000 $ 417,000 $ 660,000
Charleston, South Carolina 1 $ 535,000 $ 535,000 $ 475,000
Horry, South Carolina 1 $ 344,000 $ 344,000 $ 0
Collin, Texas 1 $ 335,000 $ 335,000 $ 120,000
El Paso, Texas 1 $ 80,000 $ 80,000 $ 197,000
Harrison, Texas 1 $ 136,000 $ 136,000 $ 750,000
Weber, Utah 1 $ 77,000 $ 77,000 $ 112,000
Washington, Vermont 1 $ 150,000 $ 150,000 $ 120,000
Accomack, Virginia 1 $ 180,000 $ 180,000 $ 107,000
Bedford, Virginia 1 $ 144,000 $ 144,000 $ 97,000
Culpeper, Virginia 1 $ 79,000 $ 79,000 $ 47,000
Essex, Virginia 1 $ 413,000 $ 413,000 $ 156,000
Fluvanna, Virginia 1 $ 225,000 $ 225,000 $ 231,000
King and Queen, Virginia 1 $ 176,000 $ 176,000 $ 27,000
Lancaster, Virginia 1 $ 182,000 $ 182,000 $ 77,000
Louisa, Virginia 1 $ 233,000 $ 233,000 $ 85,000
Lynchburg, Virginia 1 $ 110,000 $ 110,000 $ 32,000
Nelson, Virginia 1 $ 417,000 $ 417,000 $ 219,000
Northumberland, Virginia 1 $ 388,000 $ 388,000 $ 221,000
Page, Virginia 1 $ 173,000 $ 173,000 $ 127,000
Roanoke, Virginia 1 $ 357,000 $ 357,000 $ 133,000
Rockingham, Virginia 1 $ 209,000 $ 209,000 $ 175,000
Winchester, Virginia 1 $ 155,000 $ 155,000 $ 35,000
Grant, West Virginia 1 $ 123,000 $ 123,000 $ 74,000
Waukesha, Wisconsin 1 $ 191,000 $ 191,000 $ 130,000

Mortgage Loan Application Detail Totals for B. F. Saul Mortgage Company in 2009

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 2,276 $699,225,000 $307,000 $2,320,000 $137,000 $3,120,000
Home Purchase 1,377 $394,231,000 $286,000 $1,500,000 $110,000 $3,480,000
Home Improvement 166 $51,949,000 $312,000 $5,350,000 $150,000 $2,650,000

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 2,631 $804,669,000 $305,000 $5,350,000 $134,000 $3,480,000
Not Provided 470 $147,157,000 $313,000 $2,320,000 $146,000 $2,550,000
Black or African American 293 $71,699,000 $244,000 $1,500,000 $77,000 $349,000
Hispanic 213 $51,940,000 $243,000 $1,415,000 $81,000 $590,000
Asian 194 $63,427,000 $326,000 $1,180,000 $123,000 $759,000
American Indian or Alaskan Native 10 $3,896,000 $389,000 $760,000 $138,000 $280,000
Native Hawaiian or Other Pacific Islander 8 $2,617,000 $327,000 $579,000 $95,000 $167,000
Not applicable 0 $0 $0 $0 $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) 2,918 $911,353,000 $312,000 $5,350,000 $145,000 $3,480,000
FHA-insured (Federal Housing Administration) 649 $160,186,000 $246,000 $743,000 $74,000 $605,000
VA-guaranteed (Veterans Administration) 252 $73,866,000 $293,000 $816,000 $67,000 $309,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 3,120 $910,169,000 $291,000 $1,989,000 $123,000 $1,768,000
Application Withdrawn By Applicant 499 $163,798,000 $328,000 $5,350,000 $149,000 $3,480,000
Application Denied By Financial Institution 124 $50,958,000 $410,000 $2,320,000 $167,000 $1,627,000
Application Approved But Not Accepted 63 $16,206,000 $257,000 $875,000 $115,000 $1,216,000
File Closed For Incompleteness 13 $4,274,000 $328,000 $658,000 $124,000 $274,000
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
Collateral 89 $37,588,000 $422,000 $2,320,000 $186,000 $1,627,000
Other 13 $4,334,000 $333,000 $800,000 $155,000 $547,000
Debt-To-Income Ratio 11 $5,753,000 $523,000 $1,500,000 $92,000 $236,000
Credit History 5 $1,514,000 $302,000 $446,000 $121,000 $224,000
Employment History 3 $815,000 $271,000 $345,000 $104,000 $144,000
Mortgage Insurance Denied 2 $705,000 $352,000 $417,000 $101,000 $123,000
Unverifiable Information 1 $249,000 $249,000 $249,000 $105,000 $105,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into B. F. Saul Mortgage Company's 2009 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 B. F. Saul Mortgage Company'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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