Community First Bank Mortgage Lending & HMDA Data, 2010
In 2010, Community First Bank of Baltimore, MD reported 1,031 mortgage applications totaling $215.5 million, down 52% from 2009. The average application was for $208,992, and applicants reported an average income of $81,385. 76% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Baltimore-Towson, MD (106), Worcester, MA (69) and Philadelphia, PA (53) (applications in parentheses).
| Mortgage Company & Address | Community First Bank 3725 Old Court Road Baltimore, MD 21208 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,031 |
| Total Mortgage Loan Application Amount | $215,471,000 |
| Average Mortgage Loan Application Amount | $208,992 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $81,385 |
| Highest Applicant Income | $645,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Towson, MD | 106 | $ 23,242,000 | $ 219,264 | $ 81,000 |
| Worcester, MA | 69 | $ 14,025,000 | $ 203,260 | $ 80,000 |
| Philadelphia, PA | 53 | $ 10,003,000 | $ 188,735 | $ 70,000 |
| Hartford-West Hartford-East Hartford, CT | 52 | $ 11,197,000 | $ 215,326 | $ 83,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 50 | $ 13,839,000 | $ 276,780 | $ 95,600 |
| Chicago-Joliet-Naperville, IL | 47 | $ 10,852,000 | $ 230,893 | $ 125,000 |
| Providence-New Bedford-Fall River, RI-MA | 39 | $ 8,841,000 | $ 226,692 | $ 97,717 |
| Cambridge-Newton-Framingham, MA | 29 | $ 7,845,000 | $ 270,517 | $ 107,000 |
| Atlanta-Sandy Springs-Marietta, GA | 22 | $ 4,606,000 | $ 209,363 | $ 58,000 |
| Richmond, VA | 22 | $ 4,063,000 | $ 184,681 | $ 68,000 |
| Boston-Quincy, MA | 21 | $ 6,107,000 | $ 290,809 | $ 103,000 |
| Wilmington, DE-MD-NJ | 16 | $ 2,949,000 | $ 184,312 | $ 55,875 |
| Springfield, MA | 15 | $ 2,934,000 | $ 195,600 | $ 83,000 |
| Peabody, MA | 13 | $ 2,990,000 | $ 230,000 | $ 77,000 |
| New Haven-Milford, CT | 12 | $ 2,257,000 | $ 188,083 | $ 43,000 |
| Edison-New Brunswick, NJ | 10 | $ 2,531,000 | $ 253,100 | $ 93,000 |
| St. Louis, MO-IL | 10 | $ 1,431,000 | $ 143,100 | $ 91,300 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,546,000 | $ 171,777 | $ 80,000 |
| Newark-Union, NJ-PA | 9 | $ 2,543,000 | $ 282,555 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 1,670,000 | $ 185,555 | $ 50,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,345,000 | $ 168,125 | $ 58,500 |
| Bethesda-Rockville-Frederick, MD | 8 | $ 2,915,000 | $ 364,375 | $ 116,000 |
| Camden, NJ | 7 | $ 1,457,000 | $ 208,142 | $ 90,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,133,000 | $ 161,857 | $ 61,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,698,000 | $ 242,571 | $ 180,000 |
| York-Hanover, PA | 7 | $ 1,137,000 | $ 162,428 | $ 61,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 639,000 | $ 106,500 | $ 38,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6 | $ 1,299,000 | $ 216,500 | $ 60,000 |
| Danville, VA | 6 | $ 501,000 | $ 83,500 | $ 55,000 |
| Manchester-Nashua, NH | 6 | $ 1,808,000 | $ 301,333 | $ 107,000 |
| Columbus, OH | 5 | $ 839,000 | $ 167,800 | $ 70,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,526,000 | $ 305,200 | $ 117,000 |
| Dover, DE | 5 | $ 896,000 | $ 179,200 | $ 47,000 |
| Fayetteville, NC | 5 | $ 616,000 | $ 123,200 | $ 62,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,366,000 | $ 273,200 | $ 205,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 953,000 | $ 190,600 | $ 78,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 614,000 | $ 153,500 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,626,000 | $ 406,500 | $ 117,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 652,000 | $ 163,000 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 576,000 | $ 144,000 | $ 69,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 567,000 | $ 141,750 | $ 88,000 |
| Norwich-New London, CT | 4 | $ 737,000 | $ 184,250 | $ 93,000 |
| Pittsburgh, PA | 4 | $ 856,000 | $ 214,000 | $ 63,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 974,000 | $ 243,500 | $ 125,000 |
| Racine, WI | 4 | $ 617,000 | $ 154,250 | $ 72,000 |
| Raleigh-Cary, NC | 4 | $ 794,000 | $ 198,500 | $ 34,000 |
| Rockingham County-Strafford County, NH | 4 | $ 959,000 | $ 239,750 | $ 86,000 |
| Salt Lake City, UT | 4 | $ 1,155,000 | $ 288,750 | $ 65,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 828,000 | $ 207,000 | $ 82,000 |
| Albuquerque, NM | 3 | $ 545,000 | $ 181,666 | $ 109,000 |
| Asheville, NC | 3 | $ 752,000 | $ 250,666 | $ 49,000 |
| Charlottesville, VA | 3 | $ 734,000 | $ 244,666 | $ 74,000 |
| Columbia, SC | 3 | $ 379,000 | $ 126,333 | $ 42,000 |
| Indianapolis-Carmel, IN | 3 | $ 526,000 | $ 175,333 | $ 82,000 |
| Lancaster, PA | 3 | $ 498,000 | $ 166,000 | $ 63,000 |
| Memphis, TN-MS-AR | 3 | $ 509,000 | $ 169,666 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,161,000 | $ 387,000 | $ 81,000 |
| Reading, PA | 3 | $ 458,000 | $ 152,666 | $ 71,000 |
| Trenton-Ewing, NJ | 3 | $ 536,000 | $ 178,666 | $ 75,000 |
| Williamsport, PA | 3 | $ 381,000 | $ 127,000 | $ 55,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 404,000 | $ 202,000 | $ 94,000 |
| Boulder, CO | 2 | $ 724,000 | $ 362,000 | $ 100,000 |
| Charleston, WV | 2 | $ 406,000 | $ 203,000 | $ 62,000 |
| Chattanooga, TN-GA | 2 | $ 407,000 | $ 203,500 | $ 22,500 |
| Des Moines-West Des Moines, IA | 2 | $ 387,000 | $ 193,500 | $ 65,000 |
| Durham-Chapel Hill, NC | 2 | $ 450,000 | $ 225,000 | $ 110,000 |
| Green Bay, WI | 2 | $ 405,000 | $ 202,500 | $ 67,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 223,000 | $ 111,500 | $ 37,000 |
| Harrisonburg, VA | 2 | $ 300,000 | $ 150,000 | $ 48,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 434,000 | $ 217,000 | $ 125,000 |
| Huntsville, AL | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 390,000 | $ 195,000 | $ 60,000 |
| Las Cruces, NM | 2 | $ 294,000 | $ 147,000 | $ 50,000 |
| Lebanon, PA | 2 | $ 268,000 | $ 134,000 | $ 47,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 323,000 | $ 161,500 | $ 76,000 |
| Lynchburg, VA | 2 | $ 390,000 | $ 195,000 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 440,000 | $ 220,000 | $ 151,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 392,000 | $ 196,000 | $ 27,000 |
| Pittsfield, MA | 2 | $ 343,000 | $ 171,500 | $ 83,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 265,000 | $ 132,500 | $ 33,000 |
| Sioux Falls, SD | 2 | $ 256,000 | $ 128,000 | $ 46,000 |
| Tulsa, OK | 2 | $ 225,000 | $ 112,500 | $ 61,000 |
| Anderson, IN | 1 | $ 129,000 | $ 129,000 | $ 48,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Bangor, ME | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Birmingham-Hoover, AL | 1 | $ 248,000 | $ 248,000 | $ 110,000 |
| Bismarck, ND | 1 | $ 150,000 | $ 150,000 | $ 180,000 |
| Bloomington-Normal, IL | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Burlington-South Burlington, VT | 1 | $ 90,000 | $ 90,000 | $ 99,000 |
| Canton-Massillon, OH | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Casper, WY | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Cedar Rapids, IA | 1 | $ 226,000 | $ 226,000 | $ 50,000 |
| Champaign-Urbana, IL | 1 | $ 248,000 | $ 248,000 | $ 109,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 309,000 | $ 309,000 | $ 177,000 |
| Cheyenne, WY | 1 | $ 245,000 | $ 245,000 | $ 158,000 |
| Colorado Springs, CO | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Dubuque, IA | 1 | $ 230,000 | $ 230,000 | $ 110,000 |
| Florence, SC | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Gainesville, GA | 1 | $ 308,000 | $ 308,000 | $ 83,000 |
| Gary, IN | 1 | $ 307,000 | $ 307,000 | $ 192,000 |
| Grand Junction, CO | 1 | $ 330,000 | $ 330,000 | $ 105,000 |
| Greensboro-High Point, NC | 1 | $ 153,000 | $ 153,000 | $ 77,000 |
| Greenville, NC | 1 | $ 51,000 | $ 51,000 | $ 11,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 168,000 | $ 168,000 | $ 59,000 |
| Gulfport-Biloxi, MS | 1 | $ 253,000 | $ 253,000 | $ 113,000 |
| Hot Springs, AR | 1 | $ 257,000 | $ 257,000 | $ 45,000 |
| Jackson, MS | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| Kalamazoo-Portage, MI | 1 | $ 232,000 | $ 232,000 | $ 124,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
| Kokomo, IN | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Lewiston-Auburn, ME | 1 | $ 164,000 | $ 164,000 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 730,000 | $ 730,000 | $ 250,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 173,000 | $ 173,000 | $ 102,000 |
| Mobile, AL | 1 | $ 200,000 | $ 200,000 | $ 24,000 |
| Ocean City, NJ | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Oklahoma City, OK | 1 | $ 87,000 | $ 87,000 | $ 78,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 132,000 | $ 132,000 | $ 80,000 |
| Prescott, AZ | 1 | $ 212,000 | $ 212,000 | $ 132,000 |
| Provo-Orem, UT | 1 | $ 229,000 | $ 229,000 | $ 66,000 |
| Pueblo, CO | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Roanoke, VA | 1 | $ 117,000 | $ 117,000 | $ 67,000 |
| Rocky Mount, NC | 1 | $ 147,000 | $ 147,000 | $ 88,000 |
| Salem, OR | 1 | $ 328,000 | $ 328,000 | $ 92,000 |
| San Antonio-New Braunfels, TX | 1 | $ 94,000 | $ 94,000 | $ 94,000 |
| Savannah, GA | 1 | $ 149,000 | $ 149,000 | $ 62,000 |
| Shreveport-Bossier City, LA | 1 | $ 234,000 | $ 234,000 | $ 68,000 |
| Sioux City, IA-NE-SD | 1 | $ 153,000 | $ 153,000 | $ 40,000 |
| Spartanburg, SC | 1 | $ 143,000 | $ 143,000 | $ 57,000 |
| Springfield, IL | 1 | $ 188,000 | $ 188,000 | $ 0 |
| State College, PA | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Terre Haute, IN | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 148,000 | $ 148,000 | $ 55,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 117,000 |
| Wichita, KS | 1 | $ 190,000 | $ 190,000 | $ 75,000 |
| Winchester, VA-WV | 1 | $ 191,000 | $ 191,000 | $ 77,000 |
| Winston-Salem, NC | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Community First Bank in 2010
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 | 638 | $138,653,000 | $217,000 | $730,000 | $81,000 | $485,000 |
| Home Purchase | 314 | $61,763,000 | $196,000 | $520,000 | $80,000 | $645,000 |
| Home Improvement | 79 | $15,055,000 | $190,000 | $417,000 | $90,000 | $423,000 |
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 | 758 | $164,913,000 | $217,000 | $730,000 | $88,000 | $645,000 |
| Black or African American | 122 | $20,973,000 | $171,000 | $685,000 | $64,000 | $360,000 |
| Not Provided | 64 | $11,901,000 | $185,000 | $464,000 | $68,000 | $406,000 |
| Hispanic | 39 | $8,139,000 | $208,000 | $706,000 | $63,000 | $202,000 |
| Asian | 25 | $5,594,000 | $223,000 | $446,000 | $88,000 | $304,000 |
| Not applicable | 16 | $2,276,000 | $142,000 | $204,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,039,000 | $207,000 | $397,000 | $59,000 | $106,000 |
| American Indian or Alaskan Native | 2 | $636,000 | $318,000 | $343,000 | $65,000 | $130,000 |
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) | 641 | $130,963,000 | $204,000 | $638,000 | $67,000 | $296,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 386 | $83,769,000 | $217,000 | $730,000 | $106,000 | $645,000 |
| VA-guaranteed (Veterans Administration) | 4 | $739,000 | $184,000 | $299,000 | $79,000 | $102,000 |
| 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 | 781 | $163,965,000 | $209,000 | $730,000 | $83,000 | $645,000 |
| Application Denied By Financial Institution | 196 | $40,550,000 | $206,000 | $706,000 | $78,000 | $483,000 |
| Application Approved But Not Accepted | 33 | $6,221,000 | $188,000 | $397,000 | $74,000 | $166,000 |
| Application Withdrawn By Applicant | 19 | $4,558,000 | $239,000 | $464,000 | $89,000 | $296,000 |
| File Closed For Incompleteness | 2 | $177,000 | $88,000 | $126,000 | $58,000 | $88,000 |
| 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 | 76 | $16,660,000 | $219,000 | $450,000 | $89,000 | $221,000 |
| Debt-To-Income Ratio | 41 | $9,631,000 | $234,000 | $706,000 | $54,000 | $220,000 |
| Credit History | 35 | $5,004,000 | $142,000 | $264,000 | $53,000 | $116,000 |
| Other | 18 | $3,194,000 | $177,000 | $550,000 | $73,000 | $302,000 |
| Employment History | 11 | $2,719,000 | $247,000 | $560,000 | $124,000 | $292,000 |
| Unverifiable Information | 7 | $1,580,000 | $225,000 | $334,000 | $80,000 | $252,000 |
| Credit Application Incomplete | 7 | $1,582,000 | $226,000 | $349,000 | $182,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $180,000 | $180,000 | $180,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Bank's 2010 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 Community First 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.
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