Fraternity Fs&La Mortgage Lending & HMDA Data, 2014
In 2014, Fraternity Fs&La of Baltimore, MD reported 48 mortgage applications totaling $16.5 million, down 47% from 2013. The average application was for $344,458, and applicants reported an average income of $181,437. 75% of its applications resulted in an originated loan and 8% were denied. Its largest market was Baltimore-Columbia-Towson, MD (47).
| 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 | 48 |
| Total Mortgage Loan Application Amount | $16,534,000 |
| Average Mortgage Loan Application Amount | $344,458 |
| Highest Mortgage Loan Application Amount | $1,276,000 |
| Average Applicant Income | $181,437 |
| Highest Applicant Income | $625,000 |
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Act (HMDA) records Fraternity Fs&La filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 23 | $8,827,000 | $383,000 | $1,276,000 | $230,000 | $625,000 |
| Refinancing | 21 | $6,147,000 | $292,000 | $1,200,000 | $139,000 | $375,000 |
| Home Improvement | 4 | $1,560,000 | $390,000 | $650,000 | $125,000 | $179,000 |
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 | 32 | $11,157,000 | $348,000 | $1,276,000 | $201,000 | $625,000 |
| Not Provided | 7 | $3,398,000 | $485,000 | $1,200,000 | $199,000 | $375,000 |
| Not applicable | 4 | $380,000 | $95,000 | $100,000 | $0 | $0 |
| Black or African American | 3 | $489,000 | $163,000 | $280,000 | $141,000 | $185,000 |
| Hispanic | 1 | $610,000 | $610,000 | $610,000 | $344,000 | $344,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $500,000 | $500,000 | $500,000 | $94,000 | $94,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 48 | $16,534,000 | $344,000 | $1,276,000 | $181,000 | $625,000 |
| 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 | 36 | $13,509,000 | $375,000 | $1,276,000 | $204,000 | $625,000 |
| Application Withdrawn By Applicant | 5 | $1,346,000 | $269,000 | $520,000 | $118,000 | $299,000 |
| Application Denied By Financial Institution | 4 | $809,000 | $202,000 | $500,000 | $108,000 | $129,000 |
| Application Approved But Not Accepted | 2 | $740,000 | $370,000 | $640,000 | $90,000 | $181,000 |
| File Closed For Incompleteness | 1 | $130,000 | $130,000 | $130,000 | $130,000 | $130,000 |
| 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 | 2 | $121,000 | $60,000 | $100,000 | $114,000 | $129,000 |
| Debt-To-Income Ratio | 2 | $688,000 | $344,000 | $500,000 | $102,000 | $110,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2014 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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