Regal Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Regal Bank & Trust of Owings Mills, MD reported 191 mortgage applications totaling $41.4 million, down 9% from 2004. The average application was for $216,832, and applicants reported an average income of $84,146. 53% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Towson, MD (171), York-Hanover, PA (4) and Bethesda-Frederick-Gaithersburg, MD (3) (applications in parentheses).
| Mortgage Company & Address | Regal Bank & Trust 11436 Cronhill Drive, Suite 1 Owings Mills, MD 21117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 191 |
| Total Mortgage Loan Application Amount | $41,415,000 |
| Average Mortgage Loan Application Amount | $216,832 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $84,146 |
| Highest Applicant Income | $360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Regal Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, Maryland | 87 | $ 17,739,000 | $ 203,896 | $ 75,000 |
| Carroll, Maryland | 35 | $ 7,970,000 | $ 227,714 | $ 69,000 |
| Baltimore City, Maryland | 31 | $ 5,108,000 | $ 164,774 | $ 107,000 |
| Harford, Maryland | 8 | $ 2,850,000 | $ 356,250 | $ 109,000 |
| Anne Arundel, Maryland | 7 | $ 2,895,000 | $ 413,571 | $ 58,000 |
| Worcester, Maryland | 4 | $ 1,134,000 | $ 283,500 | $ 107,000 |
| York, Pennsylvania | 4 | $ 379,000 | $ 94,750 | $ 54,000 |
| Montgomery, Maryland | 2 | $ 467,000 | $ 233,500 | $ 126,000 |
| Prince George's, Maryland | 2 | $ 331,000 | $ 165,500 | $ 68,000 |
| Queen Anne's, Maryland | 2 | $ 450,000 | $ 225,000 | $ 138,000 |
| Manatee, Florida | 1 | $ 122,000 | $ 122,000 | $ 83,000 |
| Allegany, Maryland | 1 | $ 248,000 | $ 248,000 | $ 96,000 |
| Dorchester, Maryland | 1 | $ 620,000 | $ 620,000 | $ 183,000 |
| Frederick, Maryland | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Garrett, Maryland | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Howard, Maryland | 1 | $ 160,000 | $ 160,000 | $ 91,000 |
| Wicomico, Maryland | 1 | $ 88,000 | $ 88,000 | $ 116,000 |
| Franklin, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 425,000 | $ 425,000 | $ 288,000 |
Mortgage Loan Application Detail Totals for Regal Bank & Trust in 2005
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 | 106 | $23,751,000 | $169,000 | $1,000,000 | $67,000 | $360,000 |
| Home Purchase | 70 | $14,544,000 | $216,500 | $620,000 | $124,500 | $288,000 |
| Home Improvement | 15 | $3,120,000 | $208,000 | $360,000 | $86,000 | $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 | 102 | $22,290,000 | $212,750 | $620,000 | $133,000 | $288,000 |
| Not Provided | 51 | $11,492,000 | $189,500 | $1,000,000 | $50,500 | $360,000 |
| Black or African American | 18 | $3,144,000 | $174,000 | $620,000 | $89,000 | $271,000 |
| Hispanic | 9 | $1,383,000 | $153,000 | $352,000 | $57,000 | $106,000 |
| Not applicable | 6 | $1,804,000 | $300,000 | $465,000 | $0 | $0 |
| Asian | 3 | $802,000 | $267,000 | $512,000 | $56,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $500,000 | $250,000 | $340,000 | $72,000 | $108,000 |
| 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) | 191 | $41,415,000 | $219,000 | $1,000,000 | $124,750 | $360,000 |
| 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 | 101 | $19,671,000 | $194,250 | $512,000 | $124,500 | $288,000 |
| Application Withdrawn By Applicant | 49 | $11,020,000 | $173,000 | $620,000 | $71,000 | $300,000 |
| File Closed For Incompleteness | 28 | $7,246,000 | $218,000 | $1,000,000 | $56,000 | $360,000 |
| Application Denied By Financial Institution | 12 | $3,268,000 | $272,000 | $620,000 | $100,000 | $183,000 |
| Application Approved But Not Accepted | 1 | $210,000 | $210,000 | $210,000 | $49,000 | $49,000 |
| 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 | 7 | $1,710,000 | $244,000 | $600,000 | $89,000 | $150,000 |
| Other | 3 | $713,000 | $237,000 | $521,000 | $77,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $620,000 | $620,000 | $620,000 | $183,000 | $183,000 |
| Debt-To-Income Ratio | 1 | $225,000 | $225,000 | $225,000 | $153,000 | $153,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Regal Bank & Trust's 2005 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 Regal Bank & Trust'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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