Fraternity Fs&La Mortgage Lending & HMDA Data, 2013
In 2013, Fraternity Fs&La of Baltimore, MD reported 91 mortgage applications totaling $33.8 million, down 8% from 2012. The average application was for $371,813, and applicants reported an average income of $166,120. 73% of its applications resulted in an originated loan and 11% were denied. Its largest market was Baltimore-Towson, MD (88).
| 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 | 91 |
| Total Mortgage Loan Application Amount | $33,835,000 |
| Average Mortgage Loan Application Amount | $371,813 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $166,120 |
| Highest Applicant Income | $949,000 |
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Act (HMDA) records Fraternity Fs&La filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 44 | $14,784,000 | $336,000 | $1,300,000 | $141,000 | $397,000 |
| Home Purchase | 41 | $18,176,000 | $443,000 | $1,600,000 | $207,000 | $949,000 |
| Home Improvement | 6 | $875,000 | $145,000 | $296,000 | $71,000 | $115,000 |
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 | 56 | $18,821,000 | $336,000 | $1,600,000 | $157,000 | $949,000 |
| Not Provided | 25 | $10,374,000 | $414,000 | $1,300,000 | $189,000 | $559,000 |
| Asian | 5 | $3,315,000 | $663,000 | $938,000 | $205,000 | $397,000 |
| Black or African American | 3 | $691,000 | $230,000 | $350,000 | $53,000 | $84,000 |
| Not applicable | 2 | $634,000 | $317,000 | $364,000 | $224,000 | $449,000 |
| 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) | 91 | $33,835,000 | $371,000 | $1,600,000 | $166,000 | $949,000 |
| 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 | 66 | $21,875,000 | $331,000 | $1,195,000 | $175,000 | $949,000 |
| Application Withdrawn By Applicant | 12 | $5,927,000 | $493,000 | $1,600,000 | $175,000 | $658,000 |
| Application Denied By Financial Institution | 10 | $5,078,000 | $507,000 | $1,300,000 | $121,000 | $283,000 |
| File Closed For Incompleteness | 2 | $455,000 | $227,000 | $335,000 | $59,000 | $75,000 |
| Application Approved But Not Accepted | 1 | $500,000 | $500,000 | $500,000 | $151,000 | $151,000 |
| 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 | 5 | $2,079,000 | $415,000 | $642,000 | $54,000 | $144,000 |
| Collateral | 3 | $2,257,000 | $752,000 | $1,300,000 | $228,000 | $283,000 |
| Other | 1 | $392,000 | $392,000 | $392,000 | $210,000 | $210,000 |
| Debt-To-Income Ratio | 1 | $350,000 | $350,000 | $350,000 | $45,000 | $45,000 |
| 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 |
| Unverifiable Information | 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 2013 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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