Fidelity Home Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Fidelity Home Mortgage of Baltimore, MD reported 1,819 mortgage applications totaling $252.2 million, up 87% from 2006. The average application was for $138,620, and applicants reported an average income of $53,661. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Fort Worth-Arlington, TX (160), Baltimore-Towson, MD (128) and Dallas-Plano-Irving, TX (121) (applications in parentheses).
| Mortgage Company & Address | Fidelity Home Mortgage 1012 North Point Rd Baltimore, MD 21224 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,819 |
| Total Mortgage Loan Application Amount | $252,151,000 |
| Average Mortgage Loan Application Amount | $138,620 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $53,661 |
| Highest Applicant Income | $803,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Home Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 160 | $ 19,288,000 | $ 120,550 | $ 50,000 |
| Baltimore-Towson, MD | 128 | $ 24,543,000 | $ 191,742 | $ 64,000 |
| Dallas-Plano-Irving, TX | 121 | $ 14,539,000 | $ 120,157 | $ 51,000 |
| York-Hanover, PA | 119 | $ 12,000,000 | $ 100,840 | $ 42,000 |
| Raleigh-Cary, NC | 64 | $ 8,296,000 | $ 129,625 | $ 47,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 59 | $ 15,734,000 | $ 266,677 | $ 81,389 |
| Houston-Sugar Land-Baytown, TX | 48 | $ 6,347,000 | $ 132,229 | $ 53,000 |
| Colorado Springs, CO | 43 | $ 8,337,000 | $ 193,883 | $ 64,000 |
| Macon, GA | 38 | $ 3,386,000 | $ 89,105 | $ 36,000 |
| Atlanta-Sandy Springs-Marietta, GA | 35 | $ 4,861,000 | $ 138,885 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 32 | $ 5,859,000 | $ 183,093 | $ 62,000 |
| Birmingham-Hoover, AL | 29 | $ 3,025,000 | $ 104,310 | $ 43,000 |
| Camden, NJ | 27 | $ 3,478,000 | $ 128,814 | $ 50,000 |
| Augusta-Richmond County, GA-SC | 25 | $ 2,338,000 | $ 93,520 | $ 41,360 |
| Columbia, SC | 24 | $ 2,525,000 | $ 105,208 | $ 38,000 |
| Richmond, VA | 23 | $ 4,202,000 | $ 182,695 | $ 66,000 |
| Denver-Aurora, CO | 21 | $ 4,416,000 | $ 210,285 | $ 66,000 |
| Charlotte-Gastonia-Concord, NC-SC | 19 | $ 2,834,000 | $ 149,157 | $ 58,368 |
| Philadelphia, PA | 19 | $ 2,015,000 | $ 106,052 | $ 46,000 |
| Harrisburg-Carlisle, PA | 18 | $ 1,728,000 | $ 96,000 | $ 41,000 |
| Chicago-Naperville-Joliet, IL | 17 | $ 3,006,000 | $ 176,823 | $ 76,000 |
| Beaumont-Port Arthur, TX | 15 | $ 1,090,000 | $ 72,666 | $ 34,000 |
| Durham, NC | 15 | $ 1,885,000 | $ 125,666 | $ 45,000 |
| Lancaster, PA | 14 | $ 1,707,000 | $ 121,928 | $ 46,000 |
| Laredo, TX | 11 | $ 1,024,000 | $ 93,090 | $ 38,000 |
| Lubbock, TX | 11 | $ 1,024,000 | $ 93,090 | $ 42,000 |
| Detroit-Livonia-Dearborn, MI | 10 | $ 1,405,000 | $ 140,500 | $ 59,000 |
| Memphis, TN-MS-AR | 10 | $ 1,225,000 | $ 122,500 | $ 55,000 |
| Shreveport-Bossier City, LA | 10 | $ 953,000 | $ 95,300 | $ 38,000 |
| Clarksville, TN-KY | 9 | $ 880,000 | $ 97,777 | $ 35,222 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 1,852,000 | $ 231,500 | $ 68,000 |
| Tuscaloosa, AL | 8 | $ 901,000 | $ 112,625 | $ 46,000 |
| Goldsboro, NC | 7 | $ 655,000 | $ 93,571 | $ 38,000 |
| Greenville-Mauldin-Easley, SC | 7 | $ 655,000 | $ 93,571 | $ 34,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,139,000 | $ 162,714 | $ 61,000 |
| Warner Robins, GA | 7 | $ 768,000 | $ 109,714 | $ 51,000 |
| Pittsburgh, PA | 6 | $ 509,000 | $ 84,833 | $ 38,000 |
| Sumter, SC | 6 | $ 442,000 | $ 73,666 | $ 32,000 |
| Baton Rouge, LA | 5 | $ 652,000 | $ 130,400 | $ 49,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 662,000 | $ 132,400 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 985,000 | $ 197,000 | $ 69,000 |
| Sherman-Denison, TX | 5 | $ 549,000 | $ 109,800 | $ 54,000 |
| Bethesda-Gaithersburg-Frederick, MD | 4 | $ 1,011,000 | $ 252,750 | $ 83,000 |
| Columbus, OH | 4 | $ 593,000 | $ 148,250 | $ 60,000 |
| Edison, NJ | 4 | $ 1,221,000 | $ 305,250 | $ 124,000 |
| Huntsville, AL | 4 | $ 506,000 | $ 126,500 | $ 57,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 651,000 | $ 162,750 | $ 65,000 |
| San Antonio, TX | 4 | $ 330,000 | $ 82,500 | $ 41,000 |
| Tallahassee, FL | 4 | $ 474,000 | $ 118,500 | $ 41,000 |
| Wilmington, DE-MD-NJ | 4 | $ 566,000 | $ 141,500 | $ 45,000 |
| Akron, OH | 3 | $ 338,000 | $ 112,666 | $ 52,000 |
| Canton-Massillon, OH | 3 | $ 286,000 | $ 95,333 | $ 34,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 299,000 | $ 99,666 | $ 51,000 |
| Greensboro-High Point, NC | 3 | $ 388,000 | $ 129,333 | $ 60,000 |
| Jackson, TN | 3 | $ 379,000 | $ 126,333 | $ 45,000 |
| Kansas City, MO-KS | 3 | $ 433,000 | $ 144,333 | $ 55,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 262,000 | $ 87,333 | $ 39,000 |
| Lebanon, PA | 3 | $ 280,000 | $ 93,333 | $ 42,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 523,000 | $ 174,333 | $ 84,000 |
| Newark-Union, NJ-PA | 3 | $ 890,000 | $ 296,666 | $ 87,000 |
| Pueblo, CO | 3 | $ 498,000 | $ 166,000 | $ 58,000 |
| Roanoke, VA | 3 | $ 296,000 | $ 98,666 | $ 34,000 |
| Austin-Round Rock, TX | 2 | $ 359,000 | $ 179,500 | $ 94,000 |
| Burlington, NC | 2 | $ 232,000 | $ 116,000 | $ 41,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 236,000 | $ 118,000 | $ 48,000 |
| Florence, SC | 2 | $ 211,000 | $ 105,500 | $ 48,000 |
| Greeley, CO | 2 | $ 323,000 | $ 161,500 | $ 57,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 443,000 | $ 221,500 | $ 80,000 |
| Hanford-Corcoran, CA | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 319,000 | $ 159,500 | $ 58,000 |
| Idaho Falls, ID | 2 | $ 262,000 | $ 131,000 | $ 58,000 |
| Indianapolis-Carmel, IN | 2 | $ 320,000 | $ 160,000 | $ 47,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 287,000 | $ 143,500 | $ 53,000 |
| Lansing-East Lansing, MI | 2 | $ 269,000 | $ 134,500 | $ 47,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 351,000 | $ 175,500 | $ 79,000 |
| New Haven-Milford, CT | 2 | $ 322,000 | $ 161,000 | $ 116,000 |
| Orlando-Kissimmee, FL | 2 | $ 242,000 | $ 121,000 | $ 48,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 347,000 | $ 173,500 | $ 65,000 |
| Rocky Mount, NC | 2 | $ 320,000 | $ 160,000 | $ 60,000 |
| St. Louis, MO-IL | 2 | $ 273,000 | $ 136,500 | $ 79,000 |
| Toledo, OH | 2 | $ 259,000 | $ 129,500 | $ 47,000 |
| Visalia-Porterville, CA | 2 | $ 499,000 | $ 249,500 | $ 69,000 |
| Wichita Falls, TX | 2 | $ 163,000 | $ 81,500 | $ 38,000 |
| Wilmington, NC | 2 | $ 282,000 | $ 141,000 | $ 56,000 |
| Albany, GA | 1 | $ 127,000 | $ 127,000 | $ 62,000 |
| Asheville, NC | 1 | $ 132,000 | $ 132,000 | $ 54,000 |
| Athens-Clarke County, GA | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Bangor, ME | 1 | $ 220,000 | $ 220,000 | $ 77,000 |
| Chattanooga, TN-GA | 1 | $ 89,000 | $ 89,000 | $ 29,000 |
| Coeur D'Alene, ID | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Corpus Christi, TX | 1 | $ 73,000 | $ 73,000 | $ 39,000 |
| Dayton, OH | 1 | $ 62,000 | $ 62,000 | $ 43,000 |
| El Paso, TX | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Elkhart-Goshen, IN | 1 | $ 167,000 | $ 167,000 | $ 91,000 |
| Evansville, IN-KY | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| Flint, MI | 1 | $ 126,000 | $ 126,000 | $ 44,000 |
| Fort Collins-Loveland, CO | 1 | $ 162,000 | $ 162,000 | $ 43,000 |
| Greenville, NC | 1 | $ 159,000 | $ 159,000 | $ 47,000 |
| Harrisonburg, VA | 1 | $ 203,000 | $ 203,000 | $ 63,000 |
| Jackson, MI | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Jacksonville, FL | 1 | $ 148,000 | $ 148,000 | $ 52,000 |
| Kalamazoo-Portage, MI | 1 | $ 103,000 | $ 103,000 | $ 48,000 |
| Lake Charles, LA | 1 | $ 98,000 | $ 98,000 | $ 68,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 224,000 | $ 224,000 | $ 123,000 |
| Lakeland, FL | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Longview, TX | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Lynchburg, VA | 1 | $ 130,000 | $ 130,000 | $ 69,000 |
| Madison, WI | 1 | $ 186,000 | $ 186,000 | $ 108,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 98,000 | $ 98,000 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Mobile, AL | 1 | $ 142,000 | $ 142,000 | $ 87,000 |
| Modesto, CA | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Norwich-New London, CT | 1 | $ 216,000 | $ 216,000 | $ 76,000 |
| Oklahoma City, OK | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 117,000 | $ 117,000 | $ 58,000 |
| Panama City-Lynn Haven, FL | 1 | $ 117,000 | $ 117,000 | $ 41,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 99,000 | $ 99,000 | $ 60,000 |
| Peoria, IL | 1 | $ 169,000 | $ 169,000 | $ 66,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 249,000 | $ 249,000 | $ 67,000 |
| Rockford, IL | 1 | $ 123,000 | $ 123,000 | $ 58,000 |
| Salisbury, MD | 1 | $ 140,000 | $ 140,000 | $ 100,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Savannah, GA | 1 | $ 164,000 | $ 164,000 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| St. Joseph, MO-KS | 1 | $ 137,000 | $ 137,000 | $ 81,000 |
| Trenton-Ewing, NJ | 1 | $ 193,000 | $ 193,000 | $ 57,000 |
| Tyler, TX | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Waco, TX | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 153,000 | $ 153,000 | $ 53,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Winchester, VA-WV | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 124,000 | $ 124,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Fidelity Home Mortgage in 2007
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 | 1,375 | $174,487,000 | $126,000 | $426,000 | $50,000 | $218,000 |
| Refinancing | 444 | $77,664,000 | $174,000 | $660,000 | $65,000 | $803,000 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 628 | $84,191,000 | $134,000 | $415,000 | $51,000 | $218,000 |
| White | 572 | $78,611,000 | $137,000 | $660,000 | $55,000 | $803,000 |
| Not Provided | 523 | $77,404,000 | $148,000 | $414,000 | $57,000 | $231,000 |
| Hispanic | 90 | $10,907,000 | $121,000 | $310,000 | $48,000 | $111,000 |
| Asian | 6 | $1,038,000 | $173,000 | $358,000 | $60,000 | $124,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,723 | $232,331,000 | $134,000 | $426,000 | $52,000 | $218,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 78 | $15,863,000 | $203,000 | $660,000 | $80,000 | $803,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,957,000 | $219,000 | $415,000 | $68,000 | $122,000 |
| 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 | 1,819 | $252,151,000 | $138,000 | $660,000 | $54,000 | $803,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Fidelity Home Mortgage's 2007 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 Fidelity Home Mortgage'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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