Rosedale Federal Sav & Loan Mortgage Lending & HMDA Data, 2005
In 2005, Rosedale Federal Sav & Loan of Baltimore, MD reported 461 mortgage applications totaling $123.0 million, down 21% from 2004. The average application was for $266,750, and applicants reported an average income of $83,744. 59% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Baltimore-Towson, MD (347), Philadelphia, PA (24) and Bethesda-Frederick-Gaithersburg, MD (9) (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 | 461 |
| Total Mortgage Loan Application Amount | $122,972,000 |
| Average Mortgage Loan Application Amount | $266,750 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $83,744 |
| Highest Applicant Income | $2,100,000 |
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records Rosedale Federal Sav & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Rosedale Federal Sav & Loan 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 256 | $84,866,000 | $265,000 | $1,600,000 | $9,714 | $2,100,000 |
| Refinancing | 140 | $27,091,000 | $157,000 | $752,000 | $105,500 | $590,000 |
| Home Improvement | 65 | $11,015,000 | $169,000 | $800,000 | $65,000 | $420,000 |
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 | 261 | $55,334,000 | $166,000 | $1,500,000 | $107,000 | $1,225,000 |
| Not applicable | 138 | $59,802,000 | $276,500 | $1,600,000 | $11,285 | $2,100,000 |
| Black or African American | 59 | $6,921,000 | $117,000 | $620,000 | $64,000 | $196,000 |
| Hispanic | 1 | $160,000 | $160,000 | $160,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $405,000 | $405,000 | $405,000 | $0 | $0 |
| Not Provided | 1 | $350,000 | $350,000 | $350,000 | $355,000 | $355,000 |
| 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) | 461 | $122,972,000 | $260,785 | $1,600,000 | $7,857 | $2,100,000 |
| 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 | 273 | $53,504,000 | $158,000 | $1,000,000 | $143,000 | $2,100,000 |
| Loan Purchased By The Institution | 130 | $55,978,000 | $275,642 | $1,000,000 | $0 | $0 |
| Application Denied By Financial Institution | 30 | $4,162,000 | $138,000 | $430,000 | $40,000 | $160,000 |
| Application Withdrawn By Applicant | 10 | $3,533,000 | $353,000 | $1,500,000 | $120,000 | $703,000 |
| File Closed For Incompleteness | 9 | $1,444,000 | $160,000 | $295,000 | $42,000 | $131,000 |
| Application Approved But Not Accepted | 9 | $4,351,000 | $483,000 | $1,600,000 | $186,000 | $819,000 |
| 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 | 14 | $2,511,000 | $179,000 | $430,000 | $38,000 | $83,000 |
| Credit History | 8 | $845,000 | $105,000 | $234,000 | $50,000 | $160,000 |
| Collateral | 4 | $479,000 | $119,000 | $215,000 | $45,000 | $67,000 |
| Employment History | 1 | $92,000 | $92,000 | $92,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 1 | $171,000 | $171,000 | $171,000 | $71,000 | $71,000 |
| Other | 1 | $4,000 | $4,000 | $4,000 | $6,000 | $6,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rosedale Federal Sav & Loan'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 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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