Bay-Vanguard FSB Mortgage Lending & HMDA Data, 2017
In 2017, Bay-Vanguard FSB of Baltimore, MD reported 57 mortgage applications totaling $11.5 million, up 8% from 2016. The average application was for $201,807, and applicants reported an average income of $115,473. 54% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (55), Silver Spring-Frederick-Rockville, MD (1) and York-Hanover, PA (1) (applications in parentheses).
| Mortgage Company & Address | Bay-Vanguard FSB 7114 North Point Road Baltimore, MD 21219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 57 |
| Total Mortgage Loan Application Amount | $11,503,000 |
| Average Mortgage Loan Application Amount | $201,807 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $115,473 |
| Highest Applicant Income | $776,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bay-Vanguard FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 55 | $ 10,982,000 | $ 199,672 | $ 119,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 411,000 | $ 411,000 | $ 55,000 |
| York-Hanover, PA | 1 | $ 110,000 | $ 110,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bay-Vanguard FSB 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 |
|---|---|---|---|---|---|---|
| Refinancing | 26 | $4,881,000 | $187,000 | $800,000 | $100,000 | $397,000 |
| Home Purchase | 22 | $5,773,000 | $262,000 | $750,000 | $127,000 | $541,000 |
| Home Improvement | 9 | $849,000 | $94,000 | $350,000 | $132,000 | $776,000 |
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 | 28 | $5,911,000 | $211,000 | $616,000 | $144,000 | $776,000 |
| Not applicable | 13 | $2,386,000 | $183,000 | $750,000 | $0 | $0 |
| Not Provided | 8 | $2,178,000 | $272,000 | $800,000 | $125,000 | $303,000 |
| Black or African American | 7 | $617,000 | $88,000 | $169,000 | $214,000 | $397,000 |
| Asian | 1 | $411,000 | $411,000 | $411,000 | $55,000 | $55,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 57 | $11,503,000 | $201,000 | $800,000 | $115,000 | $776,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 31 | $5,594,000 | $180,000 | $398,000 | $135,000 | $776,000 |
| Application Denied By Financial Institution | 13 | $2,637,000 | $202,000 | $616,000 | $124,000 | $541,000 |
| Application Withdrawn By Applicant | 11 | $2,880,000 | $261,000 | $800,000 | $52,000 | $174,000 |
| File Closed For Incompleteness | 1 | $42,000 | $42,000 | $42,000 | $40,000 | $40,000 |
| Application Approved But Not Accepted | 1 | $350,000 | $350,000 | $350,000 | $170,000 | $170,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $1,248,000 | $138,000 | $415,000 | $85,000 | $185,000 |
| Collateral | 3 | $978,000 | $326,000 | $616,000 | $263,000 | $541,000 |
| Other | 1 | $411,000 | $411,000 | $411,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Vanguard FSB'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 Bay-Vanguard FSB'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About