Rosedale Federal Sav & Loan Mortgage Lending & HMDA Data, 2010
In 2010, Rosedale Federal Sav & Loan of Baltimore, MD reported 222 mortgage applications totaling $53.8 million, down 41% from 2009. The average application was for $242,445, and applicants reported an average income of $95,522. 63% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Baltimore-Towson, MD (219), Bethesda-Rockville-Frederick, MD (1) and Wilmington, DE-MD-NJ (1) (applications in parentheses).
| Mortgage Company & Address | Rosedale Federal Sav & Loan 6708 Belair Road Baltimore, MD 21206 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 | 222 |
| Total Mortgage Loan Application Amount | $53,823,000 |
| Average Mortgage Loan Application Amount | $242,445 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $95,522 |
| Highest Applicant Income | $675,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rosedale Federal Sav & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 120 | $ 27,309,000 | $ 227,575 | $ 104,000 |
| Baltimore City, Maryland | 58 | $ 7,296,000 | $ 125,793 | $ 53,000 |
| Harford, Maryland | 31 | $ 13,295,000 | $ 428,870 | $ 128,000 |
| Anne Arundel, Maryland | 6 | $ 1,590,000 | $ 265,000 | $ 93,000 |
| Carroll, Maryland | 2 | $ 682,000 | $ 341,000 | $ 99,000 |
| Howard, Maryland | 2 | $ 1,670,000 | $ 835,000 | $ 205,000 |
| Cecil, Maryland | 1 | $ 332,000 | $ 332,000 | $ 44,000 |
| Montgomery, Maryland | 1 | $ 850,000 | $ 850,000 | $ 159,000 |
| Talbot, Maryland | 1 | $ 799,000 | $ 799,000 | $ 326,000 |
Mortgage Loan Application Detail Totals for Rosedale Federal Sav & Loan 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 | 93 | $21,192,000 | $227,000 | $920,000 | $82,000 | $398,000 |
| Refinancing | 85 | $25,170,000 | $296,000 | $2,300,000 | $108,000 | $675,000 |
| Home Improvement | 44 | $7,461,000 | $169,000 | $750,000 | $100,000 | $609,000 |
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 | 173 | $46,920,000 | $271,000 | $2,300,000 | $108,000 | $675,000 |
| Black or African American | 36 | $3,585,000 | $99,000 | $236,000 | $46,000 | $98,000 |
| Not applicable | 7 | $2,474,000 | $353,000 | $650,000 | $93,000 | $441,000 |
| Asian | 3 | $591,000 | $197,000 | $350,000 | $54,000 | $59,000 |
| Hispanic | 2 | $191,000 | $95,000 | $126,000 | $93,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $62,000 | $62,000 | $62,000 | $21,000 | $21,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 222 | $53,823,000 | $242,000 | $2,300,000 | $96,000 | $675,000 |
| 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 | 140 | $32,043,000 | $228,000 | $2,300,000 | $103,000 | $675,000 |
| Application Denied By Financial Institution | 43 | $7,966,000 | $185,000 | $850,000 | $66,000 | $206,000 |
| File Closed For Incompleteness | 22 | $6,475,000 | $294,000 | $920,000 | $129,000 | $500,000 |
| Application Withdrawn By Applicant | 10 | $4,868,000 | $486,000 | $2,300,000 | $66,000 | $176,000 |
| Application Approved But Not Accepted | 4 | $1,390,000 | $347,000 | $750,000 | $139,000 | $292,000 |
| Loan Purchased By The Institution | 3 | $1,081,000 | $360,000 | $610,000 | $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 | 16 | $2,233,000 | $139,000 | $310,000 | $67,000 | $180,000 |
| Debt-To-Income Ratio | 12 | $1,905,000 | $158,000 | $440,000 | $47,000 | $105,000 |
| Collateral | 9 | $2,272,000 | $252,000 | $660,000 | $104,000 | $206,000 |
| Other | 3 | $366,000 | $122,000 | $236,000 | $35,000 | $68,000 |
| Unverifiable Information | 3 | $1,190,000 | $396,000 | $850,000 | $54,000 | $159,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rosedale Federal Sav & Loan'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 Rosedale Federal Sav & Loan'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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