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records B. F. Saul Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,891 | $ 607,485,000 | $ 321,250 | $ 137,041 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 643 | $ 135,998,000 | $ 211,505 | $ 72,130 |
| Bethesda-Frederick-Rockville, MD | 638 | $ 219,901,000 | $ 344,672 | $ 146,000 |
| Baltimore-Towson, MD | 349 | $ 93,209,000 | $ 267,074 | $ 116,000 |
| Richmond, VA | 24 | $ 4,871,000 | $ 202,958 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 6,283,000 | $ 392,687 | $ 169,000 |
| Charlottesville, VA | 8 | $ 2,156,000 | $ 269,500 | $ 179,000 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 1,933,000 | $ 241,625 | $ 86,000 |
| Greenville-Mauldin-Easley, SC | 6 | $ 542,000 | $ 90,333 | $ 81,000 |
| Philadelphia, PA | 5 | $ 1,251,000 | $ 250,200 | $ 100,000 |
| York-Hanover, PA | 5 | $ 789,000 | $ 157,800 | $ 46,000 |
| Camden, NJ | 4 | $ 743,000 | $ 185,750 | $ 80,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 1,317,000 | $ 329,250 | $ 98,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,180,000 | $ 295,000 | $ 123,000 |
| Wilmington, DE-MD-NJ | 4 | $ 1,172,000 | $ 293,000 | $ 107,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 510,000 | $ 170,000 | $ 68,000 |
| Edison-New Brunswick, NJ | 3 | $ 796,000 | $ 265,333 | $ 132,000 |
| Peabody, MA | 3 | $ 1,160,000 | $ 386,666 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,545,000 | $ 515,000 | $ 206,000 |
| Pittsburgh, PA | 3 | $ 1,045,000 | $ 348,333 | $ 396,000 |
| Roanoke, VA | 3 | $ 1,083,000 | $ 361,000 | $ 374,000 |
| Winchester, VA-WV | 3 | $ 490,000 | $ 163,333 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 432,000 | $ 216,000 | $ 135,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 673,000 | $ 336,500 | $ 233,000 |
| Barnstable Town, MA | 2 | $ 890,000 | $ 445,000 | $ 289,000 |
| Boston-Quincy, MA | 2 | $ 779,000 | $ 389,500 | $ 131,000 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 640,000 | $ 320,000 | $ 69,000 |
| Greensboro-High Point, NC | 2 | $ 682,000 | $ 341,000 | $ 67,000 |
| Jacksonville, FL | 2 | $ 815,000 | $ 407,500 | $ 78,000 |
| Knoxville, TN | 2 | $ 616,000 | $ 308,000 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 468,000 | $ 234,000 | $ 64,000 |
| Lynchburg, VA | 2 | $ 254,000 | $ 127,000 | $ 64,000 |
| Newark-Union, NJ-PA | 2 | $ 816,000 | $ 408,000 | $ 207,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 502,000 | $ 251,000 | $ 78,000 |
| Orlando-Kissimmee, FL | 2 | $ 410,000 | $ 205,000 | $ 40,000 |
| Port St. Lucie, FL | 2 | $ 369,000 | $ 184,500 | $ 297,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 559,000 | $ 279,500 | $ 72,000 |
| Reno-Sparks, NV | 2 | $ 549,000 | $ 274,500 | $ 105,000 |
| Salisbury, MD | 2 | $ 387,000 | $ 193,500 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 293,000 | $ 293,000 | $ 119,000 |
| Bloomington-Normal, IL | 1 | $ 61,000 | $ 61,000 | $ 29,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 327,000 | $ 327,000 | $ 216,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 535,000 | $ 535,000 | $ 475,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 399,000 | $ 399,000 | $ 182,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 252,000 | $ 252,000 | $ 111,000 |
| Dallas-Plano-Irving, TX | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Dover, DE | 1 | $ 232,000 | $ 232,000 | $ 45,000 |
| El Paso, TX | 1 | $ 80,000 | $ 80,000 | $ 197,000 |
| Fayetteville, NC | 1 | $ 50,000 | $ 50,000 | $ 164,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 553,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 224,000 | $ 224,000 | $ 49,000 |
| Harrisburg-Carlisle, PA | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Harrisonburg, VA | 1 | $ 209,000 | $ 209,000 | $ 175,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 238,000 | $ 238,000 | $ 117,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 282,000 | $ 282,000 | $ 109,000 |
| Indianapolis-Carmel, IN | 1 | $ 234,000 | $ 234,000 | $ 117,000 |
| Kansas City, MO-KS | 1 | $ 196,000 | $ 196,000 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 152,000 | $ 152,000 | $ 108,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 250,000 | $ 250,000 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 158,000 | $ 158,000 | $ 200,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 191,000 | $ 191,000 | $ 130,000 |
| Missoula, MT | 1 | $ 271,000 | $ 271,000 | $ 148,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 344,000 | $ 344,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 332,000 | $ 332,000 | $ 150,000 |
| Ogden-Clearfield, UT | 1 | $ 77,000 | $ 77,000 | $ 112,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 186,000 | $ 186,000 | $ 58,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 260,000 | $ 260,000 | $ 158,000 |
| Raleigh-Cary, NC | 1 | $ 417,000 | $ 417,000 | $ 84,000 |
| Rockingham County-Strafford County, NH | 1 | $ 258,000 | $ 258,000 | $ 329,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 417,000 | $ 417,000 | $ 241,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 236,000 | $ 236,000 | $ 510,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| State College, PA | 1 | $ 270,000 | $ 270,000 | $ 176,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 270,000 | $ 270,000 | $ 84,000 |
| Wilmington, NC | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Worcester, MA | 1 | $ 264,000 | $ 264,000 | $ 213,000 |
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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