Old Line Bank Mortgage Lending & HMDA Data, 2015
In 2015, Old Line Bank of Bowie, MD reported 725 mortgage applications totaling $244.7 million. The average application was for $337,449, and applicants reported an average income of $126,372. 59% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (305), Baltimore-Columbia-Towson, MD (283) and California-Lexington Park, MD (46) (applications in parentheses).
| Mortgage Company & Address | Old Line Bank 1525 Pointer Ridge Place Bowie, MD 20716 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 725 |
| Total Mortgage Loan Application Amount | $244,651,000 |
| Average Mortgage Loan Application Amount | $337,449 |
| Highest Mortgage Loan Application Amount | $7,812,000 |
| Average Applicant Income | $126,372 |
| Highest Applicant Income | $2,064,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Old Line Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Anne Arundel, Maryland | 196 | $ 70,988,000 | $ 362,183 | $ 139,000 |
| Prince George's, Maryland | 133 | $ 36,465,000 | $ 274,172 | $ 105,000 |
| Charles, Maryland | 74 | $ 23,952,000 | $ 323,675 | $ 96,000 |
| St. Mary's, Maryland | 46 | $ 10,840,000 | $ 235,652 | $ 132,000 |
| District of Columbia, District Of Columbia | 34 | $ 15,573,000 | $ 458,029 | $ 122,000 |
| Calvert, Maryland | 33 | $ 16,952,000 | $ 513,696 | $ 111,000 |
| Queen Anne's, Maryland | 29 | $ 9,257,000 | $ 319,206 | $ 122,000 |
| Howard, Maryland | 24 | $ 8,797,000 | $ 366,541 | $ 210,000 |
| Montgomery, Maryland | 17 | $ 8,869,000 | $ 521,705 | $ 133,000 |
| Baltimore, Maryland | 16 | $ 4,102,000 | $ 256,375 | $ 65,000 |
| Frederick, Maryland | 13 | $ 3,200,000 | $ 246,153 | $ 104,000 |
| Fairfax, Virginia | 12 | $ 7,381,000 | $ 615,083 | $ 162,000 |
| Worcester, Maryland | 10 | $ 2,176,000 | $ 217,600 | $ 130,000 |
| Baltimore City, Maryland | 9 | $ 1,236,000 | $ 137,333 | $ 57,000 |
| Caroline, Maryland | 7 | $ 1,075,000 | $ 153,571 | $ 64,000 |
| Carroll, Maryland | 6 | $ 1,716,000 | $ 286,000 | $ 101,000 |
| Alexandria, Virginia | 6 | $ 3,717,000 | $ 619,500 | $ 293,000 |
| Talbot, Maryland | 5 | $ 2,561,000 | $ 512,200 | $ 161,000 |
| Kent, Maryland | 4 | $ 1,112,000 | $ 278,000 | $ 147,000 |
| Prince William, Virginia | 4 | $ 1,307,000 | $ 326,750 | $ 56,000 |
| Harford, Maryland | 3 | $ 1,270,000 | $ 423,333 | $ 131,000 |
| Washington, Maryland | 3 | $ 451,000 | $ 150,333 | $ 131,000 |
| Johnston, North Carolina | 3 | $ 606,000 | $ 202,000 | $ 93,000 |
| Arlington, Virginia | 3 | $ 1,894,000 | $ 631,333 | $ 446,000 |
| Dorchester, Maryland | 2 | $ 405,000 | $ 202,500 | $ 57,000 |
| Wake, North Carolina | 2 | $ 331,000 | $ 165,500 | $ 83,000 |
| Bedford, Virginia | 2 | $ 367,000 | $ 183,500 | $ 102,000 |
| Loudoun, Virginia | 2 | $ 642,000 | $ 321,000 | $ 80,000 |
| Spotsylvania, Virginia | 2 | $ 654,000 | $ 327,000 | $ 115,000 |
| Stafford, Virginia | 2 | $ 637,000 | $ 318,500 | $ 63,000 |
| Maricopa, Arizona | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Sussex, Delaware | 1 | $ 324,000 | $ 324,000 | $ 234,000 |
| Broward, Florida | 1 | $ 770,000 | $ 770,000 | $ 0 |
| Collier, Florida | 1 | $ 607,000 | $ 607,000 | $ 323,000 |
| Manatee, Florida | 1 | $ 300,000 | $ 300,000 | $ 389,000 |
| Garrett, Maryland | 1 | $ 181,000 | $ 181,000 | $ 223,000 |
| Wicomico, Maryland | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Union, North Carolina | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Luzerne, Pennsylvania | 1 | $ 298,000 | $ 298,000 | $ 0 |
| York, Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Tarrant, Texas | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Chittenden, Vermont | 1 | $ 374,000 | $ 374,000 | $ 97,000 |
| Caroline, Virginia | 1 | $ 122,000 | $ 122,000 | $ 35,000 |
| Frederick, Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| King George, Virginia | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
| Northumberland, Virginia | 1 | $ 120,000 | $ 120,000 | $ 105,000 |
| Westmoreland, Virginia | 1 | $ 230,000 | $ 230,000 | $ 440,000 |
| Hampshire, West Virginia | 1 | $ 320,000 | $ 320,000 | $ 2,052,000 |
Mortgage Loan Application Detail Totals for Old Line Bank in 2015
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 | 362 | $108,620,000 | $300,000 | $3,100,000 | $114,000 | $2,052,000 |
| Refinancing | 318 | $117,193,000 | $368,000 | $7,812,000 | $134,000 | $2,064,000 |
| Home Improvement | 45 | $18,838,000 | $418,000 | $2,000,000 | $172,000 | $1,355,000 |
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 | 433 | $138,713,000 | $320,000 | $1,820,000 | $136,000 | $2,052,000 |
| Black or African American | 143 | $37,504,000 | $262,000 | $1,200,000 | $117,000 | $2,064,000 |
| Not Provided | 68 | $30,892,000 | $454,000 | $2,000,000 | $169,000 | $1,355,000 |
| Not applicable | 42 | $28,109,000 | $669,000 | $7,812,000 | $0 | $0 |
| Hispanic | 22 | $4,224,000 | $192,000 | $408,000 | $74,000 | $226,000 |
| Asian | 9 | $2,865,000 | $318,000 | $508,000 | $233,000 | $1,654,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,651,000 | $330,000 | $491,000 | $108,000 | $138,000 |
| American Indian or Alaskan Native | 3 | $693,000 | $231,000 | $234,000 | $65,000 | $100,000 |
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) | 525 | $187,531,000 | $357,000 | $7,812,000 | $151,000 | $2,064,000 |
| FHA-insured (Federal Housing Administration) | 142 | $39,048,000 | $274,000 | $562,000 | $57,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 40 | $14,644,000 | $366,000 | $750,000 | $80,000 | $256,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,428,000 | $190,000 | $324,000 | $57,000 | $107,000 |
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 | 426 | $145,583,000 | $341,000 | $7,812,000 | $123,000 | $2,064,000 |
| Application Denied By Financial Institution | 157 | $51,797,000 | $329,000 | $1,400,000 | $125,000 | $2,052,000 |
| Application Withdrawn By Applicant | 73 | $20,226,000 | $277,000 | $675,000 | $105,000 | $375,000 |
| File Closed For Incompleteness | 57 | $23,917,000 | $419,000 | $2,000,000 | $185,000 | $1,355,000 |
| Application Approved But Not Accepted | 5 | $1,552,000 | $310,000 | $405,000 | $163,000 | $343,000 |
| Preapproval Denied by Financial Institution | 5 | $1,376,000 | $275,000 | $508,000 | $66,000 | $143,000 |
| Loan Purchased By The Institution | 2 | $200,000 | $100,000 | $120,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 53 | $16,976,000 | $320,000 | $1,400,000 | $83,000 | $324,000 |
| Credit Application Incomplete | 42 | $13,988,000 | $333,000 | $1,200,000 | $137,000 | $671,000 |
| Debt-To-Income Ratio | 28 | $10,943,000 | $390,000 | $1,350,000 | $104,000 | $399,000 |
| Collateral | 18 | $5,022,000 | $279,000 | $626,000 | $260,000 | $2,052,000 |
| Unverifiable Information | 11 | $3,269,000 | $297,000 | $445,000 | $110,000 | $276,000 |
| Other | 5 | $1,436,000 | $287,000 | $410,000 | $105,000 | $243,000 |
| Employment History | 3 | $1,117,000 | $372,000 | $527,000 | $105,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $422,000 | $211,000 | $304,000 | $112,000 | $161,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Old Line Bank's 2015 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 Old Line Bank'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.
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