Fidelity & Trust Mortgage, Inc Mortgage Lending & HMDA Data, 2007
In 2007, Fidelity & Trust Mortgage, Inc of Washington, DC reported 1,953 mortgage applications totaling $461.6 million, down 64% from 2006. The average application was for $236,329, and applicants reported an average income of $69,493. 97% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (955), Bethesda-Gaithersburg-Frederick, MD (271) and Raleigh-Cary, NC (236) (applications in parentheses).
| Mortgage Company & Address | Fidelity & Trust Mortgage, Inc 1725 Eye Street, Nw Washington, DC 20006 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,953 |
| Total Mortgage Loan Application Amount | $461,552,000 |
| Average Mortgage Loan Application Amount | $236,329 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $69,493 |
| Highest Applicant Income | $1,105,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity & Trust Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Maryland | 215 | $ 60,863,000 | $ 283,083 | $ 86,000 |
| Fairfax, Virginia | 209 | $ 52,334,000 | $ 250,401 | $ 81,000 |
| Prince George's, Maryland | 185 | $ 43,323,000 | $ 234,178 | $ 51,000 |
| Wake, North Carolina | 137 | $ 22,544,000 | $ 164,554 | $ 51,000 |
| Prince William, Virginia | 133 | $ 38,062,000 | $ 286,180 | $ 64,000 |
| Arlington, Virginia | 127 | $ 46,421,000 | $ 365,519 | $ 104,000 |
| Loudoun, Virginia | 125 | $ 29,667,000 | $ 237,336 | $ 76,000 |
| Johnston, North Carolina | 97 | $ 13,252,000 | $ 136,618 | $ 64,000 |
| District of Columbia, District Of Columbia | 88 | $ 26,067,000 | $ 296,215 | $ 92,000 |
| Frederick, Maryland | 56 | $ 13,327,000 | $ 237,982 | $ 75,000 |
| Berkeley, West Virginia | 51 | $ 7,624,000 | $ 149,490 | $ 36,000 |
| Baltimore City, Maryland | 35 | $ 3,482,000 | $ 99,485 | $ 47,000 |
| Anne Arundel, Maryland | 34 | $ 10,961,000 | $ 322,382 | $ 115,000 |
| Franklin, Pennsylvania | 31 | $ 4,001,000 | $ 129,064 | $ 77,000 |
| Craven, North Carolina | 29 | $ 4,464,000 | $ 153,931 | $ 60,000 |
| Howard, Maryland | 27 | $ 7,311,000 | $ 270,777 | $ 77,000 |
| Baltimore, Maryland | 23 | $ 4,163,000 | $ 181,000 | $ 47,000 |
| Durham, North Carolina | 22 | $ 2,946,000 | $ 133,909 | $ 64,000 |
| Charles, Maryland | 16 | $ 3,852,000 | $ 240,750 | $ 62,000 |
| Washington, Maryland | 16 | $ 2,966,000 | $ 185,375 | $ 82,000 |
| Jefferson, West Virginia | 15 | $ 2,473,000 | $ 164,866 | $ 44,000 |
| Stafford, Virginia | 13 | $ 3,126,000 | $ 240,461 | $ 33,000 |
| Albemarle, Virginia | 12 | $ 2,817,000 | $ 234,750 | $ 72,000 |
| Alexandria, Virginia | 12 | $ 4,366,000 | $ 363,833 | $ 97,000 |
| Carteret, North Carolina | 10 | $ 1,822,000 | $ 182,200 | $ 75,000 |
| Frederick, Virginia | 9 | $ 1,537,000 | $ 170,777 | $ 48,000 |
| Harnett, North Carolina | 7 | $ 1,640,000 | $ 234,285 | $ 55,000 |
| Hillsborough, Florida | 6 | $ 634,000 | $ 105,666 | $ 23,000 |
| Manassas, Virginia | 6 | $ 868,000 | $ 144,666 | $ 0 |
| Spotsylvania, Virginia | 6 | $ 1,030,000 | $ 171,666 | $ 12,000 |
| Warren, Virginia | 6 | $ 1,152,000 | $ 192,000 | $ 33,000 |
| Sussex, Delaware | 5 | $ 1,644,000 | $ 328,800 | $ 220,000 |
| Collier, Florida | 5 | $ 530,000 | $ 106,000 | $ 0 |
| Carroll, Maryland | 5 | $ 1,033,000 | $ 206,600 | $ 37,000 |
| Fairfax City, Virginia | 5 | $ 1,147,000 | $ 229,400 | $ 9,000 |
| Fauquier, Virginia | 5 | $ 1,327,000 | $ 265,400 | $ 48,000 |
| Morgan, West Virginia | 5 | $ 896,000 | $ 179,200 | $ 58,000 |
| Sarasota, Florida | 4 | $ 707,000 | $ 176,750 | $ 10,000 |
| Cabarrus, North Carolina | 4 | $ 386,000 | $ 96,500 | $ 80,000 |
| Caswell, North Carolina | 4 | $ 455,000 | $ 113,750 | $ 50,000 |
| Cumberland, Pennsylvania | 4 | $ 348,000 | $ 87,000 | $ 52,000 |
| Charlottesville, Virginia | 4 | $ 936,000 | $ 234,000 | $ 237,000 |
| Fulton, Georgia | 3 | $ 359,000 | $ 119,666 | $ 89,000 |
| St. Louis, Missouri | 3 | $ 159,000 | $ 53,000 | $ 25,000 |
| St. Louis City, Missouri | 3 | $ 150,000 | $ 50,000 | $ 0 |
| Alamance, North Carolina | 3 | $ 334,000 | $ 111,333 | $ 13,000 |
| Wayne, North Carolina | 3 | $ 423,000 | $ 141,000 | $ 77,000 |
| Culpeper, Virginia | 3 | $ 703,000 | $ 234,333 | $ 30,000 |
| Henrico, Virginia | 3 | $ 362,000 | $ 120,666 | $ 56,000 |
| Fairfield, Connecticut | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 297,000 | $ 148,500 | $ 0 |
| Dorchester, Maryland | 2 | $ 380,000 | $ 190,000 | $ 120,000 |
| St. Mary's, Maryland | 2 | $ 396,000 | $ 198,000 | $ 44,000 |
| Talbot, Maryland | 2 | $ 240,000 | $ 120,000 | $ 56,000 |
| Wicomico, Maryland | 2 | $ 540,000 | $ 270,000 | $ 129,000 |
| Oakland, Michigan | 2 | $ 128,000 | $ 64,000 | $ 0 |
| Clark, Nevada | 2 | $ 293,000 | $ 146,500 | $ 70,000 |
| Onondaga, New York | 2 | $ 125,000 | $ 62,500 | $ 43,000 |
| Franklin, North Carolina | 2 | $ 224,000 | $ 112,000 | $ 37,000 |
| Orange, North Carolina | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Multnomah, Oregon | 2 | $ 265,000 | $ 132,500 | $ 102,000 |
| Adams, Pennsylvania | 2 | $ 254,000 | $ 127,000 | $ 66,000 |
| Bedford, Pennsylvania | 2 | $ 89,000 | $ 44,500 | $ 63,000 |
| Bucks, Pennsylvania | 2 | $ 990,000 | $ 495,000 | $ 204,000 |
| Centre, Pennsylvania | 2 | $ 375,000 | $ 187,500 | $ 221,000 |
| Schuylkill, Pennsylvania | 2 | $ 288,000 | $ 144,000 | $ 226,000 |
| York, South Carolina | 2 | $ 301,000 | $ 150,500 | $ 110,000 |
| Augusta, Virginia | 2 | $ 146,000 | $ 73,000 | $ 33,000 |
| Fredericksburg, Virginia | 2 | $ 692,000 | $ 346,000 | $ 87,000 |
| Harrisonburg, Virginia | 2 | $ 379,000 | $ 189,500 | $ 112,000 |
| King George, Virginia | 2 | $ 465,000 | $ 232,500 | $ 77,000 |
| Louisa, Virginia | 2 | $ 784,000 | $ 392,000 | $ 0 |
| Manassas Park, Virginia | 2 | $ 491,000 | $ 245,500 | $ 74,000 |
| Norfolk, Virginia | 2 | $ 300,000 | $ 150,000 | $ 73,000 |
| Portsmouth, Virginia | 2 | $ 272,000 | $ 136,000 | $ 43,000 |
| Virginia Beach, Virginia | 2 | $ 303,000 | $ 151,500 | $ 44,000 |
| Broward, Florida | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Lee, Florida | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Orange, Florida | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 380,000 | $ 380,000 | $ 240,000 |
| Pinellas, Florida | 1 | $ 589,000 | $ 589,000 | $ 0 |
| Cobb, Georgia | 1 | $ 567,000 | $ 567,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 20,000 | $ 20,000 | $ 360,000 |
| St. Joseph, Indiana | 1 | $ 68,000 | $ 68,000 | $ 59,000 |
| Harford, Maryland | 1 | $ 367,000 | $ 367,000 | $ 77,000 |
| Kent, Maryland | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 540,000 | $ 540,000 | $ 268,000 |
| Worcester, Maryland | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Suffolk, New York | 1 | $ 240,000 | $ 240,000 | $ 49,000 |
| Chatham, North Carolina | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Moore, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 106,000 |
| New Hanover, North Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Pasquotank, North Carolina | 1 | $ 148,000 | $ 148,000 | $ 43,000 |
| Pitt, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Sampson, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 19,000 |
| Blair, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Delaware, Pennsylvania | 1 | $ 217,000 | $ 217,000 | $ 57,000 |
| Montgomery, Pennsylvania | 1 | $ 399,000 | $ 399,000 | $ 177,000 |
| York, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Beaufort, South Carolina | 1 | $ 133,000 | $ 133,000 | $ 51,000 |
| Charleston, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Madison, Tennessee | 1 | $ 247,000 | $ 247,000 | $ 110,000 |
| Chesapeake, Virginia | 1 | $ 172,000 | $ 172,000 | $ 46,000 |
| Hanover, Virginia | 1 | $ 170,000 | $ 170,000 | $ 62,000 |
| Richmond City, Virginia | 1 | $ 213,000 | $ 213,000 | $ 41,000 |
| Grant, West Virginia | 1 | $ 219,000 | $ 219,000 | $ 39,000 |
| Mineral, West Virginia | 1 | $ 66,000 | $ 66,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity & Trust Mortgage, Inc 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 | 1,489 | $330,369,000 | $221,000 | $1,043,000 | $66,000 | $703,000 |
| Refinancing | 461 | $129,964,000 | $281,000 | $1,300,000 | $81,000 | $1,105,000 |
| Home Improvement | 3 | $1,219,000 | $406,000 | $560,000 | $35,000 | $107,000 |
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 | 1,065 | $260,784,000 | $244,000 | $1,300,000 | $80,000 | $1,105,000 |
| Black or African American | 406 | $91,836,000 | $226,000 | $1,043,000 | $64,000 | $396,000 |
| Hispanic | 352 | $75,310,000 | $213,000 | $920,000 | $43,000 | $349,000 |
| Asian | 94 | $25,423,000 | $270,000 | $900,000 | $79,000 | $703,000 |
| Not Provided | 24 | $5,556,000 | $231,000 | $598,000 | $55,000 | $273,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,297,000 | $255,000 | $536,000 | $75,000 | $135,000 |
| American Indian or Alaskan Native | 3 | $346,000 | $115,000 | $185,000 | $34,000 | $52,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,771 | $425,660,000 | $240,000 | $1,300,000 | $71,000 | $1,105,000 |
| FHA-insured (Federal Housing Administration) | 103 | $20,555,000 | $199,000 | $368,000 | $56,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 44 | $9,780,000 | $222,000 | $417,000 | $71,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,557,000 | $158,000 | $273,000 | $48,000 | $92,000 |
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 | 1,895 | $449,159,000 | $237,000 | $1,300,000 | $70,000 | $1,105,000 |
| Application Denied By Financial Institution | 31 | $6,276,000 | $202,000 | $580,000 | $43,000 | $300,000 |
| Application Withdrawn By Applicant | 22 | $4,222,000 | $191,000 | $646,000 | $66,000 | $360,000 |
| File Closed For Incompleteness | 3 | $1,535,000 | $511,000 | $810,000 | $335,000 | $420,000 |
| Application Approved But Not Accepted | 2 | $360,000 | $180,000 | $256,000 | $32,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $3,744,000 | $220,000 | $540,000 | $14,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $653,000 | $163,000 | $263,000 | $150,000 | $300,000 |
| Other | 2 | $272,000 | $136,000 | $240,000 | $139,000 | $189,000 |
| Unverifiable Information | 2 | $725,000 | $362,000 | $580,000 | $0 | $0 |
| Debt-To-Income Ratio | 2 | $376,000 | $188,000 | $301,000 | $0 | $0 |
| Employment History | 2 | $240,000 | $120,000 | $192,000 | $56,000 | $56,000 |
| Collateral | 1 | $151,000 | $151,000 | $151,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 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 & Trust Mortgage, Inc'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 & Trust Mortgage, Inc'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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