Midstate Federal S&L Assn Mortgage Lending & HMDA Data, 2004
In 2004, Midstate Federal S&L Assn of Baltimore, MD reported 68 mortgage applications totaling $9.9 million, down 38% from 2003. The average application was for $145,264, and applicants reported an average income of $119,485. 90% of its applications resulted in an originated loan and 0% were denied. Its largest market was Baltimore-Towson, MD (64).
| 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 | 68 |
| Total Mortgage Loan Application Amount | $9,878,000 |
| Average Mortgage Loan Application Amount | $145,264 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $119,485 |
| Highest Applicant Income | $1,575,000 |
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records Midstate Federal S&L Assn filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Midstate Federal S&L Assn in 2004
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 | 29 | $4,525,000 | $394,000 | $650,000 | $197,000 | $348,000 |
| Refinancing | 23 | $3,099,000 | $154,500 | $358,000 | $85,500 | $168,000 |
| Home Improvement | 16 | $2,254,000 | $140,000 | $500,000 | $250,000 | $1,575,000 |
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 | 35 | $6,673,000 | $413,500 | $650,000 | $263,000 | $1,575,000 |
| Not applicable | 20 | $1,356,000 | $67,000 | $132,000 | $0 | $0 |
| Not Provided | 11 | $1,715,000 | $164,500 | $500,000 | $135,500 | $348,000 |
| Black or African American | 1 | $34,000 | $34,000 | $34,000 | $49,000 | $49,000 |
| Hispanic | 1 | $100,000 | $100,000 | $100,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 68 | $9,878,000 | $236,000 | $650,000 | $158,000 | $1,575,000 |
| 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 | 61 | $8,503,000 | $289,000 | $650,000 | $151,000 | $477,000 |
| Application Approved But Not Accepted | 5 | $767,000 | $153,000 | $340,000 | $364,000 | $1,575,000 |
| Application Withdrawn By Applicant | 2 | $608,000 | $304,000 | $500,000 | $216,000 | $348,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midstate Federal S&L Assn's 2004 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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