Rosedale Federal Savings And Loan Association Mortgage Rates, Fees & Info
Nottingham, MDLEI: 549300YHPEPV6KF30T16
Tax ID: 52-0465075
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Mortgage Data
Review & Overview
Rosedale Federal Savings And Loan Association is a smaller mortgage company specializing in Home Purchase and Refi loans. Rosedale Federal Savings And Loan Association has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Baltimore, Philadelphia, Easton, Washington, and Salisbury among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Rosedale Federal Savings And Loan Association has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
230Origination Dollar Volume (All Markets)
$73,600,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 211 | $64,995,000 | $308,033 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $0 | 0.00% |
| Easton, MD (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $0 | 0.00% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $335,000 | $335,000 | $0 | 0.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 228 | $72,980,000 | $320,088 | $0 | 0.00% |
| FHA | 1 | $305,000 | $305,000 | $0 | 0.00% |
| VA | 1 | $315,000 | $315,000 | $0 | 0.00% |
For 2022, Rosedale Federal Savings And Loan Association's most frequently originated type of loan was Conventional, with 228 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2022, Rosedale Federal Savings And Loan Association's most frequently cited loan purpose was Home Purchase, with 138 originations. The 2nd most popular reason was Refi, with 85 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 230 | $73,600,000 | $320,000 | $0 | 0.00% |
For 2022, Rosedale Federal Savings And Loan Association's most frequently cited loan duration was Other, with 230 originations.
Loan Sizing
2022 saw Rosedale Federal Savings And Loan Association place emphasis on $200k-400k loans with 94 originations, totaling $26,280,000 in origination value.
Applicant Income
Rosedale Federal Savings And Loan Association lent most frequently to those with incomes in the $100k-150k range, with 54 originations. The second most popular income band? $50k-75k, with 41 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 230 | $73,600,000 | $320,000 | $0 | 0.00% |
Rosedale Federal Savings And Loan Association lent most frequently to those with DTI ratios of Exempt%, with 230 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.70%
Rosedale Federal Savings And Loan Association has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination86.96%
Rosedale Federal Savings And Loan Association has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 230 | $73,600,000 | $320,000 |