Fraternity Fs&La Mortgage Lending & HMDA Data, 2012
In 2012, Fraternity Fs&La of Baltimore, MD reported 99 mortgage applications totaling $31.4 million, down 1% from 2011. The average application was for $316,949, and applicants reported an average income of $162,959. 78% of its applications resulted in an originated loan and 12% were denied. Its largest market was Baltimore-Towson, MD (99).
| 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 | 99 |
| Total Mortgage Loan Application Amount | $31,378,000 |
| Average Mortgage Loan Application Amount | $316,949 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $162,959 |
| Highest Applicant Income | $750,000 |
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Act (HMDA) records Fraternity Fs&La filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 71 | $21,180,000 | $298,000 | $1,800,000 | $149,000 | $750,000 |
| Home Purchase | 26 | $9,819,000 | $377,000 | $1,000,000 | $206,000 | $726,000 |
| Home Improvement | 2 | $379,000 | $189,000 | $250,000 | $99,000 | $165,000 |
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 | 59 | $17,981,000 | $304,000 | $1,040,000 | $151,000 | $726,000 |
| Not Provided | 28 | $8,153,000 | $291,000 | $800,000 | $182,000 | $574,000 |
| Not applicable | 5 | $1,488,000 | $297,000 | $1,150,000 | $0 | $0 |
| Black or African American | 4 | $2,707,000 | $676,000 | $1,800,000 | $322,000 | $750,000 |
| Asian | 3 | $1,049,000 | $349,000 | $417,000 | $275,000 | $388,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 99 | $31,378,000 | $316,000 | $1,800,000 | $163,000 | $750,000 |
| 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 | 77 | $23,656,000 | $307,000 | $1,150,000 | $161,000 | $726,000 |
| Application Denied By Financial Institution | 12 | $4,179,000 | $348,000 | $931,000 | $146,000 | $325,000 |
| Application Withdrawn By Applicant | 7 | $1,420,000 | $202,000 | $378,000 | $166,000 | $470,000 |
| File Closed For Incompleteness | 2 | $1,929,000 | $964,000 | $1,800,000 | $391,000 | $750,000 |
| Application Approved But Not Accepted | 1 | $194,000 | $194,000 | $194,000 | $48,000 | $48,000 |
| 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 | 6 | $2,182,000 | $363,000 | $931,000 | $176,000 | $325,000 |
| Collateral | 4 | $1,158,000 | $289,000 | $415,000 | $140,000 | $175,000 |
| Unverifiable Information | 1 | $39,000 | $39,000 | $39,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $800,000 | $800,000 | $800,000 | $139,000 | $139,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fraternity Fs&La's 2012 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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