Dell Franklin Financial LLC Mortgage Lending & HMDA Data, 2009

In 2009, Dell Franklin Financial LLC of Millersville, MD reported 793 mortgage applications totaling $181.6 million, down 16% from 2008. The average application was for $228,998, and applicants reported an average income of $3,554. 90% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Baltimore-Towson, MD (85), Washington-Arlington-Alexandria, DC-VA-MD-WV (71) and Richmond, VA (31) (applications in parentheses).

Mortgage Company & Address Dell Franklin Financial LLC
8334 Veterans Highway, Suite #1
Millersville, MD 21108
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  
Total Number of Mortgage Applications 793
Total Mortgage Loan Application Amount $181,596,000
Average Mortgage Loan Application Amount $228,998
Highest Mortgage Loan Application Amount $600,000
Average Applicant Income $3,554
Highest Applicant Income $185,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dell Franklin Financial LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Dell Franklin Financial LLC 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
Prince George's, Maryland 31 $ 9,458,000 $ 305,096 $ 0
Baltimore, Maryland 30 $ 6,827,000 $ 227,566 $ 11,000
Anne Arundel, Maryland 25 $ 7,523,000 $ 300,920 $ 20,000
Hartford, Connecticut 20 $ 4,801,000 $ 240,050 $ 0
Baltimore City, Maryland 16 $ 3,054,000 $ 190,875 $ 16,000
New Haven, Connecticut 15 $ 3,624,000 $ 241,600 $ 0
Fairfield, Connecticut 13 $ 4,302,000 $ 330,923 $ 12,000
New Castle, Delaware 13 $ 2,807,000 $ 215,923 $ 0
Henrico, Virginia 12 $ 2,710,000 $ 225,833 $ 0
Worcester, Massachusetts 11 $ 2,331,000 $ 211,909 $ 0
Philadelphia, Pennsylvania 11 $ 1,667,000 $ 151,545 $ 0
Frederick, Maryland 10 $ 2,907,000 $ 290,700 $ 5,000
Kent, Delaware 9 $ 1,730,000 $ 192,222 $ 4,000
Bristol, Massachusetts 9 $ 2,463,000 $ 273,666 $ 0
Essex, Massachusetts 9 $ 2,470,000 $ 274,444 $ 0
Middlesex, Massachusetts 9 $ 2,775,000 $ 308,333 $ 6,000
Montgomery, Ohio 9 $ 1,469,000 $ 163,222 $ 0
Arapahoe, Colorado 8 $ 1,826,000 $ 228,250 $ 10,000
Hamilton, Ohio 8 $ 1,365,000 $ 170,625 $ 0
Montgomery, Pennsylvania 8 $ 1,637,000 $ 204,625 $ 0
York, Pennsylvania 8 $ 1,811,000 $ 226,375 $ 0
Chesterfield, Virginia 8 $ 1,902,000 $ 237,750 $ 0
Jefferson, Colorado 7 $ 1,644,000 $ 234,857 $ 0
Washington, Maryland 7 $ 1,362,000 $ 194,571 $ 0
Virginia Beach, Virginia 7 $ 1,813,000 $ 259,000 $ 0
El Paso, Colorado 6 $ 1,310,000 $ 218,333 $ 0
Sussex, Delaware 6 $ 1,244,000 $ 207,333 $ 0
Marion, Indiana 6 $ 1,052,000 $ 175,333 $ 0
Porter, Indiana 6 $ 1,252,000 $ 208,666 $ 0
Norfolk, Massachusetts 6 $ 2,364,000 $ 394,000 $ 0
Butler, Ohio 6 $ 1,232,000 $ 205,333 $ 0
Franklin, Ohio 6 $ 1,206,000 $ 201,000 $ 0
Bucks, Pennsylvania 6 $ 1,355,000 $ 225,833 $ 18,000
Dorchester, South Carolina 6 $ 1,255,000 $ 209,166 $ 0
Frederick, Virginia 6 $ 1,405,000 $ 234,166 $ 6,000
Windham, Connecticut 5 $ 1,051,000 $ 210,200 $ 0
Lake, Indiana 5 $ 926,000 $ 185,200 $ 0
Charles, Maryland 5 $ 1,911,000 $ 382,200 $ 0
Howard, Maryland 5 $ 1,549,000 $ 309,800 $ 0
Montgomery, Maryland 5 $ 1,637,000 $ 327,400 $ 60,000
Plymouth, Massachusetts 5 $ 1,454,000 $ 290,800 $ 0
Jackson, Missouri 5 $ 838,000 $ 167,600 $ 0
St. Charles, Missouri 5 $ 1,255,000 $ 251,000 $ 0
Clermont, Ohio 5 $ 933,000 $ 186,600 $ 0
Lancaster, Pennsylvania 5 $ 1,040,000 $ 208,000 $ 0
Chesapeake, Virginia 5 $ 1,159,000 $ 231,800 $ 0
Fairfax, Virginia 5 $ 1,447,000 $ 289,400 $ 0
Hampton, Virginia 5 $ 1,225,000 $ 245,000 $ 0
Warren, Virginia 5 $ 1,187,000 $ 237,400 $ 0
Adams, Colorado 4 $ 881,000 $ 220,250 $ 0
Orange, Florida 4 $ 903,000 $ 225,750 $ 0
Polk, Florida 4 $ 808,000 $ 202,000 $ 0
Harford, Maryland 4 $ 846,000 $ 211,500 $ 55,000
Lake, Ohio 4 $ 682,000 $ 170,500 $ 0
Lorain, Ohio 4 $ 856,000 $ 214,000 $ 0
Stark, Ohio 4 $ 753,000 $ 188,250 $ 0
Berks, Pennsylvania 4 $ 796,000 $ 199,000 $ 0
Delaware, Pennsylvania 4 $ 1,068,000 $ 267,000 $ 0
Berkeley, South Carolina 4 $ 925,000 $ 231,250 $ 0
Albemarle, Virginia 4 $ 916,000 $ 229,000 $ 46,000
Loudoun, Virginia 4 $ 1,358,000 $ 339,500 $ 0
Newport News, Virginia 4 $ 823,000 $ 205,750 $ 0
Prince William, Virginia 4 $ 1,110,000 $ 277,500 $ 0
Roanoke, Virginia 4 $ 612,000 $ 153,000 $ 0
Stafford, Virginia 4 $ 1,246,000 $ 311,500 $ 0
Denver, Colorado 3 $ 775,000 $ 258,333 $ 0
Middlesex, Connecticut 3 $ 796,000 $ 265,333 $ 0
District of Columbia, District Of Columbia 3 $ 854,000 $ 284,666 $ 0
Broward, Florida 3 $ 843,000 $ 281,000 $ 0
Duval, Florida 3 $ 609,000 $ 203,000 $ 0
Palm Beach, Florida 3 $ 1,032,000 $ 344,000 $ 0
Allen, Indiana 3 $ 482,000 $ 160,666 $ 0
Hamilton, Indiana 3 $ 512,000 $ 170,666 $ 0
Dorchester, Maryland 3 $ 642,000 $ 214,000 $ 0
Queen Anne's, Maryland 3 $ 624,000 $ 208,000 $ 17,000
Hampden, Massachusetts 3 $ 540,000 $ 180,000 $ 0
Jefferson, Missouri 3 $ 621,000 $ 207,000 $ 0
St. Louis, Missouri 3 $ 605,000 $ 201,666 $ 0
Ashtabula, Ohio 3 $ 529,000 $ 176,333 $ 0
Clark, Ohio 3 $ 680,000 $ 226,666 $ 0
Medina, Ohio 3 $ 562,000 $ 187,333 $ 0
Portage, Ohio 3 $ 632,000 $ 210,666 $ 0
Summit, Ohio 3 $ 621,000 $ 207,000 $ 0
Warren, Ohio 3 $ 639,000 $ 213,000 $ 0
Cumberland, Pennsylvania 3 $ 546,000 $ 182,000 $ 0
Franklin, Pennsylvania 3 $ 461,000 $ 153,666 $ 0
Lehigh, Pennsylvania 3 $ 650,000 $ 216,666 $ 0
Luzerne, Pennsylvania 3 $ 440,000 $ 146,666 $ 0
Washington, Pennsylvania 3 $ 659,000 $ 219,666 $ 0
Charleston, South Carolina 3 $ 579,000 $ 193,000 $ 0
Greenville, South Carolina 3 $ 511,000 $ 170,333 $ 0
Horry, South Carolina 3 $ 597,000 $ 199,000 $ 0
Richland, South Carolina 3 $ 501,000 $ 167,000 $ 0
Bedford, Virginia 3 $ 523,000 $ 174,333 $ 0
Dinwiddie, Virginia 3 $ 570,000 $ 190,000 $ 0
Portsmouth, Virginia 3 $ 573,000 $ 191,000 $ 0
Spotsylvania, Virginia 3 $ 881,000 $ 293,666 $ 0
Limestone, Alabama 2 $ 301,000 $ 150,500 $ 0
Douglas, Colorado 2 $ 696,000 $ 348,000 $ 0
Garfield, Colorado 2 $ 637,000 $ 318,500 $ 0
Larimer, Colorado 2 $ 339,000 $ 169,500 $ 0
Mesa, Colorado 2 $ 389,000 $ 194,500 $ 0
Pueblo, Colorado 2 $ 400,000 $ 200,000 $ 0
Litchfield, Connecticut 2 $ 378,000 $ 189,000 $ 0
New London, Connecticut 2 $ 353,000 $ 176,500 $ 0
Tolland, Connecticut 2 $ 357,000 $ 178,500 $ 0
Clay, Florida 2 $ 665,000 $ 332,500 $ 0
Hillsborough, Florida 2 $ 488,000 $ 244,000 $ 0
Lake, Florida 2 $ 505,000 $ 252,500 $ 0
Miami-Dade, Florida 2 $ 310,000 $ 155,000 $ 18,000
Sarasota, Florida 2 $ 440,000 $ 220,000 $ 0
Johnson, Indiana 2 $ 387,000 $ 193,500 $ 0
LaPorte, Indiana 2 $ 399,000 $ 199,500 $ 0
Tippecanoe, Indiana 2 $ 362,000 $ 181,000 $ 0
Calvert, Maryland 2 $ 454,000 $ 227,000 $ 0
Carroll, Maryland 2 $ 604,000 $ 302,000 $ 0
Cecil, Maryland 2 $ 541,000 $ 270,500 $ 0
St. Mary's, Maryland 2 $ 636,000 $ 318,000 $ 0
Wicomico, Maryland 2 $ 314,000 $ 157,000 $ 0
Barnstable, Massachusetts 2 $ 531,000 $ 265,500 $ 0
Franklin, Massachusetts 2 $ 476,000 $ 238,000 $ 0
Suffolk, Massachusetts 2 $ 385,000 $ 192,500 $ 0
DeSoto, Mississippi 2 $ 308,000 $ 154,000 $ 0
Brown, Ohio 2 $ 414,000 $ 207,000 $ 0
Cuyahoga, Ohio 2 $ 382,000 $ 191,000 $ 0
Highland, Ohio 2 $ 342,000 $ 171,000 $ 0
Miami, Ohio 2 $ 330,000 $ 165,000 $ 0
Allegheny, Pennsylvania 2 $ 380,000 $ 190,000 $ 30,000
Huntingdon, Pennsylvania 2 $ 443,000 $ 221,500 $ 95,000
Lackawanna, Pennsylvania 2 $ 320,000 $ 160,000 $ 0
Northampton, Pennsylvania 2 $ 340,000 $ 170,000 $ 0
Laurens, South Carolina 2 $ 453,000 $ 226,500 $ 0
Lexington, South Carolina 2 $ 382,000 $ 191,000 $ 0
Alexandria, Virginia 2 $ 806,000 $ 403,000 $ 29,000
Augusta, Virginia 2 $ 440,000 $ 220,000 $ 0
Fluvanna, Virginia 2 $ 550,000 $ 275,000 $ 0
Gloucester, Virginia 2 $ 445,000 $ 222,500 $ 0
Harrisonburg, Virginia 2 $ 421,000 $ 210,500 $ 0
King William, Virginia 2 $ 489,000 $ 244,500 $ 0
Louisa, Virginia 2 $ 379,000 $ 189,500 $ 0
Norfolk, Virginia 2 $ 539,000 $ 269,500 $ 0
Petersburg, Virginia 2 $ 280,000 $ 140,000 $ 0
Roanoke City, Virginia 2 $ 308,000 $ 154,000 $ 0
Rockingham, Virginia 2 $ 298,000 $ 149,000 $ 16,000
Autauga, Alabama 1 $ 149,000 $ 149,000 $ 0
Baldwin, Alabama 1 $ 190,000 $ 190,000 $ 0
Lee, Alabama 1 $ 149,000 $ 149,000 $ 0
Marshall, Alabama 1 $ 157,000 $ 157,000 $ 0
Morgan, Alabama 1 $ 142,000 $ 142,000 $ 0
Talladega, Alabama 1 $ 152,000 $ 152,000 $ 0
Boulder, Colorado 1 $ 159,000 $ 159,000 $ 0
Broomfield, Colorado 1 $ 268,000 $ 268,000 $ 0
Logan, Colorado 1 $ 187,000 $ 187,000 $ 0
Weld, Colorado 1 $ 269,000 $ 269,000 $ 0
Yuma, Colorado 1 $ 136,000 $ 136,000 $ 0
Alachua, Florida 1 $ 198,000 $ 198,000 $ 0
Brevard, Florida 1 $ 161,000 $ 161,000 $ 0
Flagler, Florida 1 $ 239,000 $ 239,000 $ 0
Hernando, Florida 1 $ 170,000 $ 170,000 $ 0
Indian River, Florida 1 $ 243,000 $ 243,000 $ 0
Lee, Florida 1 $ 187,000 $ 187,000 $ 113,000
Pinellas, Florida 1 $ 215,000 $ 215,000 $ 0
Seminole, Florida 1 $ 247,000 $ 247,000 $ 0
St. Lucie, Florida 1 $ 216,000 $ 216,000 $ 0
Volusia, Florida 1 $ 206,000 $ 206,000 $ 0
Adams, Indiana 1 $ 196,000 $ 196,000 $ 0
Cass, Indiana 1 $ 128,000 $ 128,000 $ 0
Clark, Indiana 1 $ 147,000 $ 147,000 $ 0
Dearborn, Indiana 1 $ 226,000 $ 226,000 $ 0
Elkhart, Indiana 1 $ 165,000 $ 165,000 $ 0
Harrison, Indiana 1 $ 140,000 $ 140,000 $ 0
Jay, Indiana 1 $ 157,000 $ 157,000 $ 0
Montgomery, Indiana 1 $ 177,000 $ 177,000 $ 0
Ripley, Indiana 1 $ 206,000 $ 206,000 $ 0
Garrett, Maryland 1 $ 170,000 $ 170,000 $ 0
Kent, Maryland 1 $ 222,000 $ 222,000 $ 0
Hampshire, Massachusetts 1 $ 312,000 $ 312,000 $ 0
Harrison, Mississippi 1 $ 147,000 $ 147,000 $ 0
Boone, Missouri 1 $ 161,000 $ 161,000 $ 0
Clay, Missouri 1 $ 168,000 $ 168,000 $ 0
Greene, Missouri 1 $ 172,000 $ 172,000 $ 0
Jasper, Missouri 1 $ 206,000 $ 206,000 $ 0
Lincoln, Missouri 1 $ 141,000 $ 141,000 $ 0
St. Louis City, Missouri 1 $ 141,000 $ 141,000 $ 0
Warren, Missouri 1 $ 179,000 $ 179,000 $ 0
Athens, Ohio 1 $ 182,000 $ 182,000 $ 0
Delaware, Ohio 1 $ 180,000 $ 180,000 $ 0
Fulton, Ohio 1 $ 204,000 $ 204,000 $ 0
Greene, Ohio 1 $ 180,000 $ 180,000 $ 0
Henry, Ohio 1 $ 264,000 $ 264,000 $ 0
Jackson, Ohio 1 $ 225,000 $ 225,000 $ 0
Licking, Ohio 1 $ 213,000 $ 213,000 $ 0
Lucas, Ohio 1 $ 175,000 $ 175,000 $ 0
Pike, Ohio 1 $ 159,000 $ 159,000 $ 0
Richland, Ohio 1 $ 162,000 $ 162,000 $ 0
Ross, Ohio 1 $ 256,000 $ 256,000 $ 0
Wood, Ohio 1 $ 215,000 $ 215,000 $ 0
Adams, Pennsylvania 1 $ 170,000 $ 170,000 $ 0
Blair, Pennsylvania 1 $ 171,000 $ 171,000 $ 0
Chester, Pennsylvania 1 $ 302,000 $ 302,000 $ 0
Columbia, Pennsylvania 1 $ 135,000 $ 135,000 $ 0
Dauphin, Pennsylvania 1 $ 144,000 $ 144,000 $ 0
Fayette, Pennsylvania 1 $ 216,000 $ 216,000 $ 0
Greene, Pennsylvania 1 $ 210,000 $ 210,000 $ 0
Pike, Pennsylvania 1 $ 206,000 $ 206,000 $ 0
Snyder, Pennsylvania 1 $ 131,000 $ 131,000 $ 0
Wayne, Pennsylvania 1 $ 166,000 $ 166,000 $ 0
Aiken, South Carolina 1 $ 216,000 $ 216,000 $ 0
Anderson, South Carolina 1 $ 226,000 $ 226,000 $ 0
Beaufort, South Carolina 1 $ 181,000 $ 181,000 $ 0
Greenwood, South Carolina 1 $ 193,000 $ 193,000 $ 0
Orangeburg, South Carolina 1 $ 187,000 $ 187,000 $ 0
Pickens, South Carolina 1 $ 186,000 $ 186,000 $ 0
Spartanburg, South Carolina 1 $ 171,000 $ 171,000 $ 0
Sumter, South Carolina 1 $ 194,000 $ 194,000 $ 0
Collin, Texas 1 $ 239,000 $ 239,000 $ 0
Ellis, Texas 1 $ 151,000 $ 151,000 $ 0
Fort Bend, Texas 1 $ 240,000 $ 240,000 $ 0
Harris, Texas 1 $ 250,000 $ 250,000 $ 0
Medina, Texas 1 $ 216,000 $ 216,000 $ 0
Smith, Texas 1 $ 186,000 $ 186,000 $ 0
Tarrant, Texas 1 $ 189,000 $ 189,000 $ 0
Campbell, Virginia 1 $ 152,000 $ 152,000 $ 0
Carroll, Virginia 1 $ 121,000 $ 121,000 $ 0
Charlottesville, Virginia 1 $ 398,000 $ 398,000 $ 0
Colonial Heights, Virginia 1 $ 255,000 $ 255,000 $ 0
Fairfax City, Virginia 1 $ 402,000 $ 402,000 $ 0
Fauquier, Virginia 1 $ 180,000 $ 180,000 $ 0
Fredericksburg, Virginia 1 $ 252,000 $ 252,000 $ 0
Halifax, Virginia 1 $ 173,000 $ 173,000 $ 0
James City, Virginia 1 $ 242,000 $ 242,000 $ 0
Nelson, Virginia 1 $ 170,000 $ 170,000 $ 0
Orange, Virginia 1 $ 299,000 $ 299,000 $ 0
Pulaski, Virginia 1 $ 149,000 $ 149,000 $ 0
Richmond City, Virginia 1 $ 196,000 $ 196,000 $ 0
Shenandoah, Virginia 1 $ 206,000 $ 206,000 $ 0
Suffolk, Virginia 1 $ 158,000 $ 158,000 $ 0
Wythe, Virginia 1 $ 225,000 $ 225,000 $ 0
York, Virginia 1 $ 241,000 $ 241,000 $ 0

Mortgage Loan Application Detail Totals for Dell Franklin Financial LLC 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 788 $180,354,000 $228,000 $600,000 $3,000 $175,000
Home Purchase 5 $1,242,000 $248,000 $458,000 $91,000 $185,000
Home Improvement 0 $0 $0 $0 $0 $0

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 377 $84,586,000 $224,000 $600,000 $4,000 $175,000
Not Provided 273 $61,832,000 $226,000 $417,000 $2,000 $135,000
Black or African American 123 $30,056,000 $244,000 $540,000 $5,000 $185,000
Hispanic 14 $3,179,000 $227,000 $586,000 $2,000 $36,000
Asian 5 $1,772,000 $354,000 $402,000 $30,000 $153,000
Native Hawaiian or Other Pacific Islander 1 $171,000 $171,000 $171,000 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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
FHA-insured (Federal Housing Administration) 767 $176,113,000 $229,000 $600,000 $2,000 $185,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 22 $4,448,000 $202,000 $368,000 $53,000 $175,000
VA-guaranteed (Veterans Administration) 4 $1,035,000 $258,000 $356,000 $14,000 $57,000
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 714 $163,519,000 $229,000 $600,000 $3,000 $175,000
Application Withdrawn By Applicant 79 $18,077,000 $228,000 $540,000 $7,000 $185,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Application Denied By Financial Institution 0 $0 $0 $0 $0 $0
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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Dell Franklin Financial LLC'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 Dell Franklin Financial LLC'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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