Fidelity Home Mortgage Mortgage Lending & HMDA Data, 2004
In 2004, Fidelity Home Mortgage of Baltimore, MD reported 1,091 mortgage applications totaling $151.4 million. The average application was for $138,803, and applicants reported an average income of $56,315. 70% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Towson, MD (111), Atlanta-Sandy Springs-Marietta, GA (56) and Philadelphia, PA (40) (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 | 2004 |
| Total Number of Mortgage Applications | 1,091 |
| Total Mortgage Loan Application Amount | $151,435,000 |
| Average Mortgage Loan Application Amount | $138,803 |
| Highest Mortgage Loan Application Amount | $919,000 |
| Average Applicant Income | $56,315 |
| Highest Applicant Income | $500,000 |
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(HMDA) records Fidelity Home Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Towson, MD | 111 | $ 16,206,000 | $ 146,000 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 56 | $ 7,215,000 | $ 128,839 | $ 61,000 |
| Philadelphia, PA | 40 | $ 3,531,000 | $ 88,275 | $ 41,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 33 | $ 4,365,000 | $ 132,272 | $ 45,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 32 | $ 7,657,000 | $ 239,281 | $ 102,000 |
| Camden, NJ | 29 | $ 4,115,000 | $ 141,896 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 4,348,000 | $ 161,037 | $ 71,000 |
| Bethesda-Frederick-Gaithersburg, MD | 25 | $ 6,971,000 | $ 278,840 | $ 94,000 |
| York-Hanover, PA | 19 | $ 2,276,000 | $ 119,789 | $ 52,000 |
| Birmingham-Hoover, AL | 16 | $ 1,457,000 | $ 91,062 | $ 37,000 |
| Memphis, TN-MS-AR | 15 | $ 1,163,000 | $ 77,533 | $ 35,000 |
| Dallas-Plano-Irving, TX | 13 | $ 1,433,000 | $ 110,230 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 1,038,000 | $ 86,500 | $ 36,000 |
| Jackson, TN | 9 | $ 668,000 | $ 74,222 | $ 31,000 |
| Raleigh-Cary, NC | 9 | $ 1,128,000 | $ 125,333 | $ 46,000 |
| Fort Worth-Arlington, TX | 8 | $ 847,000 | $ 105,875 | $ 50,000 |
| Richmond, VA | 8 | $ 916,000 | $ 114,500 | $ 48,000 |
| Houston-Baytown-Sugar Land, TX | 7 | $ 619,000 | $ 88,428 | $ 38,000 |
| Tallahassee, FL | 7 | $ 515,000 | $ 73,571 | $ 32,000 |
| Fayetteville, NC | 6 | $ 616,000 | $ 102,666 | $ 58,000 |
| Lake Charles, LA | 6 | $ 526,000 | $ 87,666 | $ 43,000 |
| Salt Lake City, UT | 6 | $ 871,000 | $ 145,166 | $ 68,000 |
| Wichita, KS | 6 | $ 415,000 | $ 69,166 | $ 34,000 |
| Greensboro-High Point, NC | 5 | $ 621,000 | $ 124,200 | $ 43,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,342,000 | $ 268,400 | $ 111,000 |
| Orlando, FL | 5 | $ 597,000 | $ 119,400 | $ 53,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 581,000 | $ 116,200 | $ 71,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 1,627,000 | $ 325,400 | $ 100,000 |
| Shreveport-Bossier City, LA | 5 | $ 348,000 | $ 69,600 | $ 29,000 |
| Winston-Salem, NC | 5 | $ 483,000 | $ 96,600 | $ 31,000 |
| Anderson, SC | 4 | $ 346,000 | $ 86,500 | $ 29,000 |
| Beaumont-Port Arthur, TX | 4 | $ 270,000 | $ 67,500 | $ 37,000 |
| Columbia, SC | 4 | $ 343,000 | $ 85,750 | $ 35,000 |
| Columbus, OH | 4 | $ 393,000 | $ 98,250 | $ 48,000 |
| Edison, NJ | 4 | $ 1,038,000 | $ 259,500 | $ 90,000 |
| Greenville, SC | 4 | $ 314,000 | $ 78,500 | $ 26,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 636,000 | $ 159,000 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 369,000 | $ 92,250 | $ 34,000 |
| Wilmington, NC | 4 | $ 508,000 | $ 127,000 | $ 94,000 |
| Austin-Round Rock, TX | 3 | $ 297,000 | $ 99,000 | $ 61,000 |
| Dover, DE | 3 | $ 395,000 | $ 131,666 | $ 34,000 |
| Florence, SC | 3 | $ 393,000 | $ 131,000 | $ 58,000 |
| Harrisburg-Carlisle, PA | 3 | $ 386,000 | $ 128,666 | $ 45,000 |
| Newark-Union, NJ-PA | 3 | $ 539,000 | $ 179,666 | $ 77,000 |
| Ogden-Clearfield, UT | 3 | $ 380,000 | $ 126,666 | $ 39,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 428,000 | $ 142,666 | $ 54,000 |
| Pittsburgh, PA | 3 | $ 422,000 | $ 140,666 | $ 50,000 |
| Williamsport, PA | 3 | $ 372,000 | $ 124,000 | $ 55,000 |
| Wilmington, DE-MD-NJ | 3 | $ 341,000 | $ 113,666 | $ 75,000 |
| Alexandria, LA | 2 | $ 146,000 | $ 73,000 | $ 28,000 |
| Charleston-North Charleston, SC | 2 | $ 246,000 | $ 123,000 | $ 40,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 248,000 | $ 124,000 | $ 56,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 245,000 | $ 122,500 | $ 44,000 |
| Chico, CA | 2 | $ 132,000 | $ 66,000 | $ 46,000 |
| Denver-Aurora, CO | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| Jackson, MS | 2 | $ 178,000 | $ 89,000 | $ 30,000 |
| Lancaster, PA | 2 | $ 274,000 | $ 137,000 | $ 62,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 308,000 | $ 154,000 | $ 78,000 |
| Pine Bluff, AR | 2 | $ 176,000 | $ 88,000 | $ 36,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 245,000 | $ 122,500 | $ 67,000 |
| San Antonio, TX | 2 | $ 155,000 | $ 77,500 | $ 30,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 500,000 | $ 250,000 | $ 76,000 |
| Stockton, CA | 2 | $ 810,000 | $ 405,000 | $ 145,000 |
| Trenton-Ewing, NJ | 2 | $ 224,000 | $ 112,000 | $ 61,000 |
| Vallejo-Fairfield, CA | 2 | $ 579,000 | $ 289,500 | $ 96,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 255,000 | $ 127,500 | $ 51,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 245,000 | $ 122,500 | $ 55,000 |
| Akron, OH | 1 | $ 103,000 | $ 103,000 | $ 40,000 |
| Asheville, NC | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Atlantic City, NJ | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Baton Rouge, LA | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| Burlington, NC | 1 | $ 111,000 | $ 111,000 | $ 47,000 |
| Canton-Massillon, OH | 1 | $ 142,000 | $ 142,000 | $ 55,000 |
| Charlottesville, VA | 1 | $ 142,000 | $ 142,000 | $ 47,000 |
| Chattanooga, TN-GA | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Cleveland, TN | 1 | $ 536,000 | $ 536,000 | $ 122,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 59,000 | $ 59,000 | $ 24,000 |
| Dothan, AL | 1 | $ 72,000 | $ 72,000 | $ 39,000 |
| Durham, NC | 1 | $ 113,000 | $ 113,000 | $ 33,000 |
| Fort Smith, AR-OK | 1 | $ 115,000 | $ 115,000 | $ 202,000 |
| Fresno, CA | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Goldsboro, NC | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Hanford-Corcoran, CA | 1 | $ 154,000 | $ 154,000 | $ 105,000 |
| Indianapolis, IN | 1 | $ 108,000 | $ 108,000 | $ 45,000 |
| Jacksonville, NC | 1 | $ 111,000 | $ 111,000 | $ 32,000 |
| Kansas City, MO-KS | 1 | $ 138,000 | $ 138,000 | $ 44,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Muskegon-Norton Shores, MI | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 299,000 | $ 299,000 | $ 87,000 |
| New Haven-Milford, CT | 1 | $ 320,000 | $ 320,000 | $ 111,000 |
| Olympia, WA | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Reading, PA | 1 | $ 149,000 | $ 149,000 | $ 99,000 |
| Roanoke, VA | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Rocky Mount, NC | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Salinas, CA | 1 | $ 99,000 | $ 99,000 | $ 116,000 |
| Salisbury, MD | 1 | $ 138,000 | $ 138,000 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 103,000 | $ 103,000 | $ 74,000 |
| Sumter, SC | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Topeka, KS | 1 | $ 163,000 | $ 163,000 | $ 58,000 |
| Tuscaloosa, AL | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Warner Robins, GA | 1 | $ 152,000 | $ 152,000 | $ 74,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Fidelity Home Mortgage in 2004
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 | 631 | $80,130,000 | $125,806 | $616,000 | $55,419 | $500,000 |
| Refinancing | 455 | $70,596,000 | $128,413 | $919,000 | $54,931 | $377,000 |
| Home Improvement | 5 | $709,000 | $141,800 | $295,000 | $66,000 | $102,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 350 | $51,055,000 | $120,655 | $750,000 | $50,137 | $409,000 |
| White | 347 | $48,974,000 | $128,071 | $919,000 | $55,464 | $500,000 |
| Black or African American | 331 | $42,072,000 | $118,750 | $360,000 | $47,150 | $211,000 |
| Hispanic | 46 | $6,820,000 | $132,857 | $333,000 | $50,857 | $208,000 |
| Asian | 10 | $1,288,000 | $132,166 | $241,000 | $74,500 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $898,000 | $224,500 | $276,000 | $113,500 | $224,000 |
| American Indian or Alaskan Native | 3 | $328,000 | $103,500 | $122,000 | $97,000 | $124,000 |
| 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) | 701 | $84,661,000 | $122,193 | $304,000 | $45,354 | $133,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 322 | $57,552,000 | $138,296 | $919,000 | $72,481 | $500,000 |
| VA-guaranteed (Veterans Administration) | 68 | $9,222,000 | $134,866 | $283,000 | $59,200 | $115,000 |
| 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 | 760 | $104,220,000 | $125,516 | $750,000 | $53,645 | $500,000 |
| Application Withdrawn By Applicant | 267 | $38,074,000 | $126,962 | $919,000 | $52,111 | $409,000 |
| Application Denied By Financial Institution | 63 | $9,091,000 | $107,400 | $518,000 | $50,266 | $245,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $17,000 | $17,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 3 | $326,000 | $128,500 | $188,000 | $73,500 | $108,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Home Mortgage's 2004 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.
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