Fraternity Fs&La Mortgage Lending & HMDA Data, 2015
In 2015, Fraternity Fs&La of Baltimore, MD reported 55 mortgage applications totaling $17.3 million, up 15% from 2014. The average application was for $315,200, and applicants reported an average income of $207,618. 80% of its applications resulted in an originated loan and 11% were denied. Its largest market was Baltimore-Columbia-Towson, MD (54).
| Mortgage Company & Address | Fraternity Fs&La 764 Washington Blvd Baltimore, MD 21230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $17,336,000 |
| Average Mortgage Loan Application Amount | $315,200 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $207,618 |
| Highest Applicant Income | $963,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fraternity Fs&La filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Fraternity Fs&La in 2015
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 | 26 | $8,203,000 | $315,000 | $697,000 | $222,000 | $885,000 |
| Refinancing | 22 | $7,890,000 | $358,000 | $715,000 | $229,000 | $963,000 |
| Home Improvement | 7 | $1,243,000 | $177,000 | $480,000 | $87,000 | $249,000 |
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 | 41 | $12,699,000 | $309,000 | $715,000 | $225,000 | $963,000 |
| Not Provided | 8 | $3,229,000 | $403,000 | $697,000 | $213,000 | $431,000 |
| Not applicable | 3 | $896,000 | $298,000 | $633,000 | $0 | $0 |
| Asian | 2 | $382,000 | $191,000 | $199,000 | $213,000 | $310,000 |
| Hispanic | 1 | $130,000 | $130,000 | $130,000 | $55,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 55 | $17,336,000 | $315,000 | $715,000 | $207,000 | $963,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 44 | $13,178,000 | $299,000 | $715,000 | $225,000 | $963,000 |
| Application Denied By Financial Institution | 6 | $2,574,000 | $429,000 | $633,000 | $90,000 | $187,000 |
| Application Withdrawn By Applicant | 3 | $978,000 | $326,000 | $384,000 | $159,000 | $179,000 |
| File Closed For Incompleteness | 2 | $606,000 | $303,000 | $356,000 | $250,000 | $330,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $1,096,000 | $365,000 | $480,000 | $107,000 | $187,000 |
| Collateral | 2 | $845,000 | $422,000 | $470,000 | $110,000 | $145,000 |
| Credit History | 1 | $633,000 | $633,000 | $633,000 | $0 | $0 |
| Credit Application Incomplete | 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 Fraternity Fs&La's 2015 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 Fraternity Fs&La'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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