Realtors FCU Mortgage Lending & HMDA Data, 2011
In 2011, Realtors FCU of Rockville, MD reported 45 mortgage applications totaling $6.9 million, down 55% from 2010. The average application was for $154,377, and applicants reported an average income of $136,933. 53% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (5), Edison-New Brunswick, NJ (4) and Los Angeles-Long Beach-Glendale, CA (4) (applications in parentheses).
| Mortgage Company & Address | Realtors FCU 9707 Key West Avenue, Suite 201 Rockville, MD 20850 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 |
| Total Number of Mortgage Applications | 45 |
| Total Mortgage Loan Application Amount | $6,947,000 |
| Average Mortgage Loan Application Amount | $154,377 |
| Highest Mortgage Loan Application Amount | $416,000 |
| Average Applicant Income | $136,933 |
| Highest Applicant Income | $665,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Realtors FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 5 | $ 735,000 | $ 147,000 | $ 158,000 |
| Los Angeles, California | 4 | $ 854,000 | $ 213,500 | $ 311,000 |
| Maricopa, Arizona | 3 | $ 610,000 | $ 203,333 | $ 102,000 |
| Osceola, Florida | 2 | $ 128,000 | $ 64,000 | $ 64,000 |
| Palm Beach, Florida | 2 | $ 526,000 | $ 263,000 | $ 134,000 |
| Hennepin, Minnesota | 2 | $ 295,000 | $ 147,500 | $ 70,000 |
| Ocean, New Jersey | 2 | $ 440,000 | $ 220,000 | $ 206,000 |
| Limestone, Alabama | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Sebastian, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 119,000 |
| Placer, California | 1 | $ 32,000 | $ 32,000 | $ 128,000 |
| District of Columbia, District Of Columbia | 1 | $ 50,000 | $ 50,000 | $ 350,000 |
| Sarasota, Florida | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Floyd, Georgia | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Johnson, Indiana | 1 | $ 54,000 | $ 54,000 | $ 60,000 |
| Lake, Indiana | 1 | $ 108,000 | $ 108,000 | $ 69,000 |
| Jefferson, Kansas | 1 | $ 50,000 | $ 50,000 | $ 148,000 |
| Orleans, Louisiana | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| York, Maine | 1 | $ 230,000 | $ 230,000 | $ 110,000 |
| Montgomery, Maryland | 1 | $ 150,000 | $ 150,000 | $ 197,000 |
| Prince George's, Maryland | 1 | $ 50,000 | $ 50,000 | $ 119,000 |
| Monmouth, New Jersey | 1 | $ 130,000 | $ 130,000 | $ 90,000 |
| Somerset, New Jersey | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Bernalillo, New Mexico | 1 | $ 230,000 | $ 230,000 | $ 131,000 |
| Guilford, North Carolina | 1 | $ 373,000 | $ 373,000 | $ 136,000 |
| Franklin, Ohio | 1 | $ 233,000 | $ 233,000 | $ 93,000 |
| Philadelphia, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Charleston, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 125,000 |
| Beadle, South Dakota | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Brown, South Dakota | 1 | $ 190,000 | $ 190,000 | $ 229,000 |
| Fort Bend, Texas | 1 | $ 72,000 | $ 72,000 | $ 82,000 |
| Marion, Texas | 1 | $ 187,000 | $ 187,000 | $ 214,000 |
| Skagit, Washington | 1 | $ 241,000 | $ 241,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Realtors FCU in 2011
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 | 27 | $4,962,000 | $183,000 | $410,000 | $136,000 | $665,000 |
| Home Purchase | 10 | $1,494,000 | $149,000 | $416,000 | $117,000 | $197,000 |
| Home Improvement | 8 | $491,000 | $61,000 | $130,000 | $165,000 | $350,000 |
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 | 34 | $5,732,000 | $168,000 | $416,000 | $148,000 | $665,000 |
| Not Provided | 6 | $729,000 | $121,000 | $315,000 | $104,000 | $285,000 |
| Hispanic | 4 | $414,000 | $103,000 | $230,000 | $105,000 | $163,000 |
| Black or African American | 1 | $72,000 | $72,000 | $72,000 | $82,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 45 | $6,947,000 | $154,000 | $416,000 | $137,000 | $665,000 |
| 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 | 24 | $3,761,000 | $156,000 | $410,000 | $149,000 | $665,000 |
| Application Denied By Financial Institution | 8 | $1,383,000 | $172,000 | $416,000 | $91,000 | $214,000 |
| File Closed For Incompleteness | 7 | $970,000 | $138,000 | $315,000 | $172,000 | $357,000 |
| Application Approved But Not Accepted | 4 | $688,000 | $172,000 | $241,000 | $115,000 | $197,000 |
| Application Withdrawn By Applicant | 2 | $145,000 | $72,000 | $110,000 | $98,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $561,000 | $187,000 | $233,000 | $57,000 | $93,000 |
| Collateral | 3 | $307,000 | $102,000 | $187,000 | $103,000 | $214,000 |
| Employment History | 1 | $99,000 | $99,000 | $99,000 | $54,000 | $54,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Realtors FCU's 2011 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 Realtors FCU'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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