Midstate Federal S&L Assn Mortgage Lending & HMDA Data, 2010
In 2010, Midstate Federal S&L Assn of Baltimore, MD reported 103 mortgage applications totaling $21.1 million, up 13% from 2009. The average application was for $204,563, and applicants reported an average income of $108,407. 94% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Baltimore-Towson, MD (93), Washington-Arlington-Alexandria, DC-VA-MD-WV (4) and Bethesda-Rockville-Frederick, MD (2) (applications in parentheses).
| Mortgage Company & Address | Midstate Federal S&L Assn 6810 York Road Baltimore, MD 21212 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 103 |
| Total Mortgage Loan Application Amount | $21,070,000 |
| Average Mortgage Loan Application Amount | $204,563 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $108,407 |
| Highest Applicant Income | $1,514,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midstate Federal S&L Assn filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore City, Maryland | 40 | $ 4,961,000 | $ 124,025 | $ 55,000 |
| Baltimore, Maryland | 38 | $ 10,242,000 | $ 269,526 | $ 139,000 |
| Harford, Maryland | 9 | $ 2,487,000 | $ 276,333 | $ 255,000 |
| Anne Arundel, Maryland | 4 | $ 874,000 | $ 218,500 | $ 88,000 |
| Prince George's, Maryland | 3 | $ 346,000 | $ 115,333 | $ 9,000 |
| Sussex, Delaware | 1 | $ 252,000 | $ 252,000 | $ 136,000 |
| District of Columbia, District Of Columbia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Carroll, Maryland | 1 | $ 110,000 | $ 110,000 | $ 18,000 |
| Frederick, Maryland | 1 | $ 138,000 | $ 138,000 | $ 278,000 |
| Howard, Maryland | 1 | $ 551,000 | $ 551,000 | $ 230,000 |
| Montgomery, Maryland | 1 | $ 410,000 | $ 410,000 | $ 120,000 |
| Talbot, Maryland | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Midstate Federal S&L Assn in 2010
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 | 65 | $14,263,000 | $219,000 | $800,000 | $124,000 | $1,514,000 |
| Refinancing | 29 | $4,707,000 | $162,000 | $591,000 | $77,000 | $368,000 |
| Home Improvement | 9 | $2,100,000 | $233,000 | $688,000 | $97,000 | $310,000 |
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 | 48 | $12,005,000 | $250,000 | $800,000 | $133,000 | $382,000 |
| Not applicable | 29 | $2,788,000 | $96,000 | $496,000 | $0 | $0 |
| Not Provided | 18 | $4,493,000 | $249,000 | $480,000 | $123,000 | $278,000 |
| Black or African American | 5 | $875,000 | $175,000 | $720,000 | $397,000 | $1,514,000 |
| Asian | 2 | $827,000 | $413,000 | $688,000 | $155,000 | $310,000 |
| Hispanic | 1 | $82,000 | $82,000 | $82,000 | $243,000 | $243,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 103 | $21,070,000 | $204,000 | $800,000 | $108,000 | $1,514,000 |
| 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 | 97 | $18,848,000 | $194,000 | $739,000 | $103,000 | $1,514,000 |
| Application Approved But Not Accepted | 4 | $1,813,000 | $453,000 | $800,000 | $239,000 | $368,000 |
| Application Denied By Financial Institution | 1 | $169,000 | $169,000 | $169,000 | $94,000 | $94,000 |
| Application Withdrawn By Applicant | 1 | $240,000 | $240,000 | $240,000 | $84,000 | $84,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $169,000 | $169,000 | $169,000 | $94,000 | $94,000 |
| Debt-To-Income Ratio | 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 |
| 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 Midstate Federal S&L Assn's 2010 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 Midstate Federal S&L Assn'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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