Rosedale Federal Sav & Loan Mortgage Lending & HMDA Data, 2009
In 2009, Rosedale Federal Sav & Loan of Baltimore, MD reported 374 mortgage applications totaling $93.6 million, up 38% from 2008. The average application was for $250,390, and applicants reported an average income of $92,360. 63% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Baltimore-Towson, MD (326), Washington-Arlington-Alexandria, DC-VA-MD-WV (34) and Wilmington, DE-MD-NJ (5) (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 | 374 |
| Total Mortgage Loan Application Amount | $93,646,000 |
| Average Mortgage Loan Application Amount | $250,390 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $92,360 |
| Highest Applicant Income | $1,317,000 |
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records Rosedale Federal Sav & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 177 | $39,991,000 | $225,000 | $1,600,000 | $109,000 | $511,000 |
| Home Purchase | 131 | $43,930,000 | $335,000 | $1,223,000 | $62,000 | $1,317,000 |
| Home Improvement | 66 | $9,725,000 | $147,000 | $680,000 | $108,000 | $770,000 |
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 | 256 | $57,756,000 | $225,000 | $1,600,000 | $117,000 | $1,317,000 |
| Black or African American | 57 | $7,535,000 | $132,000 | $647,000 | $53,000 | $313,000 |
| Not applicable | 55 | $27,827,000 | $505,000 | $1,223,000 | $20,000 | $231,000 |
| Hispanic | 3 | $249,000 | $83,000 | $140,000 | $68,000 | $129,000 |
| Asian | 3 | $279,000 | $93,000 | $140,000 | $71,000 | $114,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 374 | $93,646,000 | $250,000 | $1,600,000 | $92,000 | $1,317,000 |
| 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 | 234 | $46,873,000 | $200,000 | $1,000,000 | $110,000 | $1,317,000 |
| Loan Purchased By The Institution | 47 | $26,599,000 | $565,000 | $1,223,000 | $0 | $0 |
| Application Denied By Financial Institution | 47 | $10,693,000 | $227,000 | $754,000 | $94,000 | $770,000 |
| Application Withdrawn By Applicant | 30 | $5,619,000 | $187,000 | $471,000 | $87,000 | $313,000 |
| Application Approved But Not Accepted | 11 | $2,984,000 | $271,000 | $1,600,000 | $147,000 | $426,000 |
| File Closed For Incompleteness | 5 | $878,000 | $175,000 | $230,000 | $47,000 | $111,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 19 | $5,656,000 | $297,000 | $754,000 | $147,000 | $770,000 |
| Credit History | 12 | $1,085,000 | $90,000 | $200,000 | $48,000 | $83,000 |
| Debt-To-Income Ratio | 12 | $3,424,000 | $285,000 | $700,000 | $69,000 | $185,000 |
| Other | 3 | $243,000 | $81,000 | $121,000 | $66,000 | $119,000 |
| Unverifiable Information | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| 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 2009 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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