Carrollton Bank Mortgage Lending & HMDA Data, 2012
In 2012, Carrollton Bank of Columbia, MD reported 1,959 mortgage applications totaling $430.3 million, up 58% from 2011. The average application was for $219,639, and applicants reported an average income of $89,512. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Baltimore-Towson, MD (1,696), Hagerstown-Martinsburg, MD-WV (60) and Washington-Arlington-Alexandria, DC-VA-MD-WV (40) (applications in parentheses).
| Mortgage Company & Address | Carrollton Bank 7151 Gateway Drive Suite A Columbia, MD 21046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,959 |
| Total Mortgage Loan Application Amount | $430,273,000 |
| Average Mortgage Loan Application Amount | $219,639 |
| Highest Mortgage Loan Application Amount | $1,870,000 |
| Average Applicant Income | $89,512 |
| Highest Applicant Income | $9,670,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carrollton Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore, Maryland | 755 | $ 151,561,000 | $ 200,743 | $ 92,000 |
| Baltimore City, Maryland | 376 | $ 75,387,000 | $ 200,497 | $ 81,000 |
| Harford, Maryland | 272 | $ 63,647,000 | $ 233,996 | $ 85,000 |
| Anne Arundel, Maryland | 156 | $ 40,447,000 | $ 259,275 | $ 90,000 |
| Carroll, Maryland | 65 | $ 15,731,000 | $ 242,015 | $ 87,000 |
| Howard, Maryland | 65 | $ 21,548,000 | $ 331,507 | $ 137,000 |
| Washington, Maryland | 52 | $ 9,337,000 | $ 179,557 | $ 61,000 |
| York, Pennsylvania | 39 | $ 7,534,000 | $ 193,179 | $ 49,000 |
| Prince George's, Maryland | 24 | $ 5,071,000 | $ 211,291 | $ 69,000 |
| St. Mary's, Maryland | 22 | $ 5,515,000 | $ 250,681 | $ 65,000 |
| Cecil, Maryland | 19 | $ 4,085,000 | $ 215,000 | $ 68,000 |
| Frederick, Maryland | 19 | $ 4,873,000 | $ 256,473 | $ 89,000 |
| Montgomery, Maryland | 18 | $ 5,836,000 | $ 324,222 | $ 157,000 |
| Worcester, Maryland | 12 | $ 3,346,000 | $ 278,833 | $ 224,000 |
| Sussex, Delaware | 9 | $ 2,105,000 | $ 233,888 | $ 120,000 |
| Queen Anne's, Maryland | 7 | $ 1,640,000 | $ 234,285 | $ 85,000 |
| Berkeley, West Virginia | 7 | $ 1,133,000 | $ 161,857 | $ 88,000 |
| Franklin, Pennsylvania | 6 | $ 907,000 | $ 151,166 | $ 53,000 |
| Delaware, Pennsylvania | 4 | $ 1,025,000 | $ 256,250 | $ 88,000 |
| New Castle, Delaware | 3 | $ 636,000 | $ 212,000 | $ 80,000 |
| Calvert, Maryland | 3 | $ 833,000 | $ 277,666 | $ 68,000 |
| Charles, Maryland | 3 | $ 1,240,000 | $ 413,333 | $ 131,000 |
| Chester, Pennsylvania | 2 | $ 335,000 | $ 167,500 | $ 65,000 |
| Arlington, Virginia | 2 | $ 1,070,000 | $ 535,000 | $ 65,000 |
| Fairfax, Virginia | 2 | $ 917,000 | $ 458,500 | $ 69,000 |
| Loudoun, Virginia | 2 | $ 749,000 | $ 374,500 | $ 188,000 |
| Jefferson, West Virginia | 2 | $ 421,000 | $ 210,500 | $ 40,000 |
| District of Columbia, District Of Columbia | 1 | $ 316,000 | $ 316,000 | $ 280,000 |
| Dorchester, Maryland | 1 | $ 208,000 | $ 208,000 | $ 132,000 |
| Adams, Pennsylvania | 1 | $ 303,000 | $ 303,000 | $ 107,000 |
| Bucks, Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 414,000 | $ 414,000 | $ 170,000 |
| Philadelphia, Pennsylvania | 1 | $ 373,000 | $ 373,000 | $ 265,000 |
| Somerset, Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 62,000 |
| Hampton, Virginia | 1 | $ 246,000 | $ 246,000 | $ 166,000 |
| Norfolk, Virginia | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Prince William, Virginia | 1 | $ 434,000 | $ 434,000 | $ 189,000 |
| Hampshire, West Virginia | 1 | $ 121,000 | $ 121,000 | $ 62,000 |
| Morgan, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Carrollton Bank in 2012
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 | 1,279 | $255,342,000 | $199,000 | $1,575,000 | $85,000 | $9,670,000 |
| Refinancing | 657 | $169,002,000 | $257,000 | $1,870,000 | $98,000 | $753,000 |
| Home Improvement | 23 | $5,929,000 | $257,000 | $990,000 | $98,000 | $382,000 |
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 | 1,492 | $341,959,000 | $229,000 | $1,870,000 | $97,000 | $9,670,000 |
| Black or African American | 371 | $62,110,000 | $167,000 | $558,000 | $59,000 | $476,000 |
| Asian | 45 | $14,408,000 | $320,000 | $990,000 | $111,000 | $465,000 |
| Hispanic | 38 | $6,932,000 | $182,000 | $360,000 | $61,000 | $425,000 |
| Not applicable | 7 | $4,003,000 | $571,000 | $1,225,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $602,000 | $200,000 | $228,000 | $56,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $176,000 | $88,000 | $96,000 | $33,000 | $41,000 |
| Not Provided | 1 | $83,000 | $83,000 | $83,000 | $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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 913 | $168,211,000 | $184,000 | $570,000 | $58,000 | $295,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 864 | $215,063,000 | $248,000 | $1,870,000 | $126,000 | $9,670,000 |
| VA-guaranteed (Veterans Administration) | 134 | $36,390,000 | $271,000 | $682,000 | $70,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $10,609,000 | $221,000 | $327,000 | $64,000 | $104,000 |
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 | 1,732 | $385,960,000 | $222,000 | $1,870,000 | $91,000 | $9,670,000 |
| Application Withdrawn By Applicant | 120 | $22,929,000 | $191,000 | $664,000 | $78,000 | $611,000 |
| Application Denied By Financial Institution | 74 | $14,926,000 | $201,000 | $460,000 | $77,000 | $515,000 |
| Application Approved But Not Accepted | 28 | $5,583,000 | $199,000 | $608,000 | $71,000 | $271,000 |
| Loan Purchased By The Institution | 3 | $213,000 | $71,000 | $83,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $662,000 | $331,000 | $362,000 | $102,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 23 | $4,319,000 | $187,000 | $416,000 | $117,000 | $515,000 |
| Debt-To-Income Ratio | 19 | $3,708,000 | $195,000 | $358,000 | $52,000 | $97,000 |
| Other | 9 | $2,233,000 | $248,000 | $421,000 | $82,000 | $130,000 |
| Credit History | 9 | $1,782,000 | $198,000 | $287,000 | $62,000 | $115,000 |
| Employment History | 7 | $1,622,000 | $231,000 | $460,000 | $56,000 | $137,000 |
| Unverifiable Information | 4 | $736,000 | $184,000 | $324,000 | $42,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $526,000 | $175,000 | $247,000 | $38,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carrollton Bank's 2012 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 Carrollton 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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