Mortgage Performance Summary
|
|
- Ami Owens
- 5 years ago
- Views:
Transcription
1 Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in Maryland and the District of Columbia 2 nd Quarter, 216 Joseph Mengedoth Michael Stanley
2 Figure 1 FHFA House Price Index: Maryland & DC Index, 199:Q1=1 Index, 199:Q1=1 United States District of Columbia Maryland Baltimore-Towson Cumberland Hagerstown-Martinsburg Salisbury Washington-Arlington-Alexandria Source: Federal Housing Finance Agency (216:Q2)/Haver Analytics; Office of Management and Budget, 213 (MSA definitions) Figure 2 Mortgage Distribution: Maryland 2a: Mortgages Outstanding 2b: Inventory Subprime 8.% Prime 7.3% FHA & VA 21.7% Subprime 34.8% Prime 39.% FHA & VA 2.6% Source: Mortgage Bankers Association (216:Q2)/Haver Analytics. ages may not sum to 1 due to rounding. 1
3 Figure 3 Mortgage Distribution: District of Columbia 3a: Mortgages Outstanding 3b: Inventory Subprime 6.% Subprime 37.4% FHA & VA 1.% FHA & VA 13.2% Prime 83.% Prime 49.4% Source: Mortgage Bankers Association (216:Q2)/Haver Analytics. ages may not sum to 1 due to rounding. Figure 4 age of Owner-Occupied Loans in or REO 1 : Maryland and DC Notes: Uncategorized zip codes have fewer than 1 total loans or no data available. 1 Real Estate Owned (REO) properties are in the possession of the lender due to foreclosure or forfeiture. 2
4 Figure age of Owner-Occupied Loans with 9+ Day Delinquency: Maryland and DC Notes: Uncategorized zip codes have fewer than 1 total loans or no data available. Figure 6 age of Owner-Occupied Prime Loans in or REO 1 : Maryland and DC Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 1 total loans or no data available. 3
5 Figure 7 age of Owner-Occupied Prime Loans with 9+ Day Delinquency: Maryland and DC Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 1 total loans or no data available. Figure 8 age of Owner-Occupied Subprime Loans in or REO 1 : Maryland and DC Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 1 total loans or no data available. 4
6 Figure 9 age of Owner-Occupied Subprime Loans with 9+ Day Delinquency: Maryland and DC Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 1 total loans or no data available. Figure 1 age of Owner-Occupied Mortgages with Subprime Loans: Maryland and DC Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 1 total loans or no data available.
7 Figure 11 Unemployment Rate: Maryland and DC Notes: Unemployment Rate in June 216 Source: Bureau of Labor Statistics/Haver Analytics Table 1 Rates by Mortgage Type: Maryland Maryland United States in National in Loan Type Rank Total Prime Total Prime Fixed-Rate Prime Adjustable-Rate Subprime Total Subprime Fixed-Rate Subprime Adjustable-Rate Source: Mortgage Bankers Association (216:Q2)/Haver Analytics Table 2 Rates by Mortgage Type: District of Columbia District of Columbia United States in National in Loan Type Rank Total Prime Total Prime Fixed-Rate Prime Adjustable-Rate Subprime Total Subprime Fixed-Rate Subprime Adjustable-Rate Source: Mortgage Bankers Association (216:Q2)/Haver Analytics 6
8 Table 3 Mortgage Delinquency Rates: Fifth District 9 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (216:Q2)/Haver Analytics Table 4 Prime Mortgage Delinquency Rates: Fifth District 9 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (216:Q2)/Haver Analytics Table Subprime Share of All Loans: Fifth District National Subprime Rank District of Columbia Maryland North Carolina.91 4 South Carolina Virginia.49 4 West Virginia Fifth District United States Source: Mortgage Bankers Association (216:Q2)/Haver Analytics 7
9 Table 6 Subprime Mortgage Delinquency Rates: Fifth District 9 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (216:Q2)/Haver Analytics Table 7 General Housing Statistics: Maryland Housing Units of Owner-Occupied Owner-Occupied Mortgages With: With a Prime Subprime Adjustable Interest Total Vacant Occupied Total Mortgage Loan Loan Rate Only Baltimore-Towson 1,132,21 93,486 1,38,76 691,72 36, Cambridge 16,4 3,32 13,22 9,263, Cumberland 46,3,623 4,727 29,72 16, Washington, DC MSA Entire MSA 2,213,72 139,22 2,74,73 1,333,662 1,126, District of Columbia 296,719 3,12 266,77 112, 9, Maryland Portion 882,966 4,91 828,1 62,96 472, Easton 19,77 3,42 16,17 11,6 7, Hagerstown 11,329 12,484 12,84 72,262 1, Lexington Park 41,282 3,678 37,64 26,966 21, Ocean Pines,749 33,2 22,229 16,737 1, Salisbury 2,322 6,314 46,8 28,946 2, Maryland 2,378, ,43 2,16,411 1,4,77 1,146, Fifth District 13,387,6 1,98,27 11,789,343 7,93,734,632, United States 131,74,73 14,988, ,716,292 7,986,74 1,28,28* Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Source: Housing units are reported in the 21 Census. Mortgage estimates are Federal Reserve Bank of Richmond calculations using data from McDash Analytics (June 216). Definitions of the metropolitan areas are provided later in the document. *The figure for owner-occupied units with a mortgage at the national level is calculated by summing the totals for the states. 8
10 Table 8 Owner-Occupied Loan Statistics: Maryland June 21 June Days Past Due in 9+ Days Past Due in Baltimore-Towson Cambridge Cumberland Easton Hagerstown Lexington Park Ocean Pines Salisbury Washington, DC* Maryland Fifth District United States *Only the Maryland portion of this MSA is included here. Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 1 Figure 12 Owner-Occupied Loan Statistics: Maryland Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/ Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 9
11 Figure 13 Owner-Occupied Loan Statistics: District of Columbia 9+ Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Table 9 Owner-Occupied Prime Loan Statistics: Maryland June 21 June Days Past Due in 9+ Days Past Due in Baltimore-Towson Cambridge Cumberland Easton Hagerstown Lexington Park Ocean Pines Salisbury Washington, DC* Maryland Fifth District United States *Only the Maryland portion of this MSA is included here. Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 1
12 Figure 14 Owner-Occupied Prime Loan Statistics: Maryland 9+ Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/ Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans Figure 1 Owner-Occupied Prime Loan Statistics: District of Columbia 9+ Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans
13 Table 1 Owner-Occupied Subprime Loan Statistics: Maryland June 21 June Days Past Due in 9+ Days Past Due in Baltimore-Towson Cambridge Cumberland Easton Hagerstown Lexington Park Ocean Pines Salisbury Washington, DC* Maryland Fifth District United States *Only the Maryland portion of this MSA is included here. Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 3 Figure 16 Owner-Occupied Subprime Loan Statistics: Maryland Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 12
14 3 Figure 17 Owner-Occupied Subprime Loan Statistics: District of Columbia Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Table 11 Owner-Occupied Interest Only Loan Statistics: Maryland June 21 June Days Past Due in 9+ Days Past Due in Baltimore-Towson Cambridge Cumberland Easton Hagerstown Lexington Park Ocean Pines Salisbury Washington, DC* Maryland Fifth District United States *Only the Maryland portion of this MSA is included here. Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 13
15 Figure 18 Owner-Occupied Interest Only Loan Statistics: Maryland /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans Days Past Due Figure 19 Owner-Occupied Interest Only Loan Statistics: District of Columbia Days Past Due /1 8/1 1/1 12/1 2/16 4/16 6/16 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans
16 Table 12 Unemployment Rates: Maryland & DC age Point Unemployment Rate Change from June 21 Baltimore-Towson Cambridge Cumberland Easton Hagerstown-Martinsburg California-Lexington Park Salisbury Washington, DC Maryland District of Columbia Fifth District Note: Data are not seasonally adjusted. Source: Bureau of Labor Statistics/Haver Analytics (June 216); Office of Management and Budget, 213 (MSA definitions) Table 13 Owner-Occupied Loan Statistics Washington, DC MSA June 21 June in 9+ in Days Past Due Days Past Due Calvert County Charles County Frederick County Montgomery County Prince George's County District of Columbia Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A.. 1
17 Table 14 Owner-Occupied Loan Statistics Baltimore-Towson MSA June 21 June in 9+ in Days Past Due Days Past Due Anne Arundel County Baltimore City Baltimore County Carroll County Harford County Howard County Queen Anne's County Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A.. Table 1 Owner-Occupied Prime Loan Statistics Washington, DC MSA June 21 June in 9+ in Days Past Due Days Past Due Calvert County Charles County Frederick County Montgomery County Prince George's County District of Columbia Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. Table 16 Owner-Occupied Prime Loan Statistics Baltimore-Towson MSA June 21 June in 9+ in Days Past Due Days Past Due Anne Arundel County Baltimore City Baltimore County Carroll County Harford County Howard County Queen Anne's County Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 16
18 Table 17 Owner-Occupied Subprime Loan Statistics Washington, DC MSA June 21 June in 9+ in Days Past Due Days Past Due Calvert County Charles County Frederick County Montgomery County Prince George's County District of Columbia Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. Table 18 Owner-Occupied Subprime Loan Statistics Baltimore-Towson MSA June 21 June in 9+ in Days Past Due Days Past Due Anne Arundel County Baltimore City Baltimore County Carroll County Harford County Howard County Queen Anne's County Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. Table 19 Owner-Occupied Interest Only Loan Statistics Washington, DC MSA June 21 June in 9+ in Days Past Due Days Past Due Calvert County Charles County Frederick County Montgomery County Prince George's County District of Columbia Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 17
19 Table 2 Owner-Occupied Interest Only Loan Statistics Baltimore-Towson MSA June 21 June in 9+ in Days Past Due Days Past Due Anne Arundel County Baltimore City Baltimore County Carroll County Harford County Howard County Queen Anne's County Notes: FHA and VA as well as interest only loans are included in the count of prime loans. Areas with fewer than 1 total loans receive an N/A. 18
20 MSA Definitions 1. Baltimore-Towson, MD MSA Anne Arundel County, MD; Baltimore County, MD; Carroll County, MD; Harford County, MD; Howard County, MD; Queen Anne s County, MD; Baltimore city, MD 2. Bethesda, MD MSA- Frederick County, MD; Montgomery County, MD 3. Cambridge, MD MSA Dorchester County, MD 4. Cumberland, MD MSA Allegany County, MD; Mineral County, WV. Easton, MD Talbot County, MD 6. Lexington Park, MD St. Mary s County, MD 7. Ocean Pines, MD Worcester County, MD 8. Philadelphia-Wilmington MSA Burlington County, NJ; Camden County, NJ; Gloucester County, NJ; Bucks County, PA; Chester County, PA; Delaware County, PA; Montgomery County, PA; Philadelphia County, PA; New Castle County, DE; Cecil County, MD; Salem County, NJ 9. Salisbury, MD Somerset County, MD; Wicomico County, MD 1. Hagerstown-Martinsburg, MD MSA - Martinsburg, WV; Washington County, MD; Berkeley County, WV; Morgan County, WV 11. Washington, DC MSA - District of Columbia, DC; Calvert County, MD; Charles County, MD; Frederick County, MD; Montgomery County, MD; Prince George's County, MD; Arlington County, VA; Clarke County, VA; Fairfax County, VA; Fauquier County, VA; Loudoun County, VA; Prince William County, VA; Spotsylvania County, VA; Stafford County, VA; Warren County, VA; Alexandria city, VA; Fairfax city, VA; Falls Church city, VA; Fredericksburg city, VA; Manassas city, VA; Manassas Park city, VA; Jefferson County, WV The Washington, DC metropolitan division includes all of the above localities except Frederick County and Montgomery County in Maryland. Source: Office of Management and Budget, 28 Maryland Counties 19
21 Sources and Notes House Price Index Federal Housing Finance Agency/Haver Analytics Weighted repeat sales index, measuring the average price changes in repeat sales or refinancing on the same single family properties. Based on transactions involving conforming, conventional mortgages purchased or securitized by Fannie Mae or Freddie Mac. Unemployment Rate Bureau of Labor Statistics/Haver Analytics General Housing Statistics Census Bureau Metropolitan Statistical Area Definitions Office of Management and Budget McDash Analytics Mortgage Data and General Housing Statistics (28 Definitions) House Price Index and Unemployment Rate (213 Definitions) Loan Distribution and Loan Performance (1) Mortgage Bankers Association/Haver Analytics (2) McDash Analytics Mortgage Data McDash Analytics recently made a large enhancement to their mortgage performance data with the addition of several, primarily non-bank, mortgage servicers covering an additional 3. million loans. Performance numbers for the added servicers date back to January 21. Historical rates may have changed in this version of the Mortgage Performance Summaries from previous versions. 2
Housing Market and Mortgage Performance in Maryland and the District of Columbia
QUARTERLY UPDATE Housing Market and Mortgage Performance in Maryland and the District of Columbia 4 th Quarter, 21 Joseph Mengedoth Michael Stanley 42 4 37 3 32 3 27 2 22 2 17 1 12 Figure 1 FHFA House
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in Maryland and the District of Columbia 3 rd Quarter, 216 Joseph Mengedoth Michael Stanley 42 4 37 3 32 3 27 2 22
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in Maryland and the District of Columbia st Quarter, 27 Joseph Mengedoth Michael Stanley 47 4 42 4 37 3 32 3 27 2 22
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in the 1st Quarter, 2017 Joseph Mengedoth Michael Stanley 475 450 425 400 375 350 325 300 275 250 225 200 175 150 125
More informationHousing Market and Mortgage Performance in Virginia
QUARTERLY UPDATE Housing Market and Mortgage Performance in Virginia 2 nd Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in Virginia 2 nd Quarter,
More informationHousing Market and Mortgage Performance in Virginia
QUARTERLY UPDATE Housing Market and Mortgage Performance in Virginia 1 st Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in Virginia 1 st Quarter,
More informationHousing Market and Mortgage Performance in West Virginia
QUARTERLY UPDATE Housing Market and Mortgage Performance in 4 th Quarter, 2015 Joseph Mengedoth Michael Stanley 350 325 300 275 250 225 200 175 150 125 Index, 1995:Q1=100 Figure 1 FHFA House Price Index:
More informationHousing Market and Mortgage Performance in Virginia
QUARTERLY UPDATE Housing Market and Mortgage Performance in Virginia 1st Quarter, 2013 Jamie Feik Lisa Hearl Karen Lyons An Update on Housing Market and Mortgage Performance in Virginia 1 st Quarter, 2013
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in 1st Quarter, 2017 Joseph Mengedoth Michael Stanley 350 325 300 275 250 225 200 175 150 125 Index, 1995:Q1=100 Figure
More informationHousing Market and Mortgage Performance in West Virginia
QUARTERLY UPDATE Housing Market and Mortgage Performance in 1 st Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in 1 st Quarter, 2014 Summary
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in South Carolina 1st Quarter, 2017 Joseph Mengedoth Michael Stanley 350 325 300 275 250 225 200 175 150 125 Figure
More informationHousing Market and Mortgage Performance in the Fifth District
QUARTERLY UPDATE Housing Market and Mortgage Performance in the Fifth District 3 rd Quarter, 2013 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in the Fifth
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 2 nd Quarter, 2016 Joseph Mengedoth Michael Stanley 350 325 300 275 250 Index, 1995:Q1=100 Figure
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 4 th Quarter, 2016 Joseph Mengedoth Michael Stanley 350 325 300 275 250 Index, 1995:Q1=100 Figure
More informationHousing Market and Mortgage Performance in North Carolina
QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 1 st Quarter, 2016 Joseph Mengedoth Michael Stanley 350 325 300 275 250 Index, 1995:Q1=100 Figure 1 FHFA House Price Index: North
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 3 rd Quarter, 2016 Joseph Mengedoth Michael Stanley 350 325 300 275 250 Index, 1995:Q1=100 Figure
More informationHousing Market and Mortgage Performance in South Carolina
QUARTERLY UPDATE Housing Market and Mortgage Performance in South Carolina 2 nd Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in South Carolina
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in South Carolina 2nd Quarter, 2013 Jamie Feik Lisa Hearl An Update on Housing Market and Mortgage Performance in South
More informationHousing Market and Mortgage Performance in North Carolina
QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 3 rd Quarter, 2013 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in North Carolina
More informationHousing Market and Mortgage Performance in North Carolina
QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 3 rd Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth An Update on Housing Market and Mortgage Performance in North Carolina
More informationMortgage Performance Summary
Mortgage Performance Summary QUARTERLY UPDATE Housing Market and Mortgage Performance in North Carolina 2nd Quarter, 2013 Jamie Feik Lisa Hearl An Update on Housing Market and Mortgage Performance in North
More informationWashington, D.C. Metropolitan Area Foreclosure Monitor: Technical Appendix
Washington, D.C. Metropolitan Area Foreclosure Monitor: Technical Appendix and Revised March, 2011 Geography of Data The Washington metropolitan region spans three states and the District of Columbia.
More informationWashington, D.C. Metropolitan Area Foreclosure Monitor: Technical Appendix NeighborhoodInfo DC
Washington, D.C. Metropolitan Area Foreclosure Monitor: Technical Appendix NeighborhoodInfo DC Revised January, 2011 The primary data on the performance of residential mortgages presented in the Foreclosure
More informationTY TY 2013 TY 2014 TY
Tax Year 2014 Third Quarter and Tax Year 2013 Fourth Reconciling Distributions of Local Income Taxes November 2014 Distribution Table 1 Counties Cities and Towns TY 2014 TY 2013 TY 2014 TY 2013 3rd Qtr.
More informationState Department of Assessments and Taxation
The Estimated Taxable Assessable Base at the County Level For the tax year beginning July 1, 2011 Total Net Total Assessable Real Real Railroad Assessable Base Loss County Assessable Base Railroad Utility
More informationEconomic Outlook. R. Andrew Bauer, Ph.D. Senior Regional Economist Research Department
Economic Outlook R. Andrew Bauer, Ph.D. Senior Regional Economist Research Department GBC Baltimore County Business Advisory Council December 15, 2015 Maryland survey suggests solid business activity Source:
More informationWashington, D.C., Metropolitan Area Foreclosure Monitor Technical Appendix NeighborhoodInfo DC April 2010
Washington, D.C., Metropolitan Area Foreclosure Monitor Technical Appendix NeighborhoodInfo DC April 2010 The primary data on the performance of residential mortgages presented in the Foreclosure Monitor
More informationBriefing on the Draft Round 8.0 Cooperative Forecasts
Briefing on the Draft Round 8.0 Cooperative Forecasts Metropolitan Development Policy Committee Paul DesJardin Gregory Goodwin COG/DCPS Staff November 12, 2009 1 Background 2 Cooperative Forecasting Established
More informationWASHINGTON DC METRO AREA
Prepared for J.P. Morgan I December 5, 2012 Market Overview The Washington DC area is a top-ranked real estate market with strong fundamentals. It is the 4 th largest metro economy behind New York City,
More informationLocal Taxing Authority and Revenue Sources Presentation to the Local and Regional Transportation Funding Task Force
Local Taxing Authority and Revenue Sources Presentation to the Local and Regional Transportation Funding Task Force Department of Legislative Services Office of Policy Analysis Annapolis, Maryland September
More informationEconomic and Market Watch Report
Economic and Watch Report 4th Quarter, 2010 *Click on a County to view economic and real estate information at the county and zip code level 2011 MRIS, Inc. and NATIONAL ASSOCIATION OF REALTORS MRIS, Inc.
More informationEstimated Payments Under the 2014 County Agricultural Risk Coverage Program in Maryland
d s Under the Agricultural Risk Coverage Program in Maryland Howard Leathers and Paul Goeringer Department of Agricultural and Resource Economics University of Maryland Extension University of Maryland,
More informationNOTICES OF INTENT TO FORECLOSE IN MARYLAND SEPTEMBER 2014 REPORT
NOTICES OF INTENT TO FORECLOSE IN MARYLAND SEPTEMBER 2014 REPORT MARTIN O MALLEY ANTHONY G. BROWN LEONARD J. HOWIE, III GOVERNOR LT. GOVERNOR SECRETARY This report was produced at the request of the Department
More informationEfficiencies Gained in State and Local Government: How Localities Are Dealing with Change
Efficiencies Gained in State and Local Government: How Localities Are Dealing with Change Steven A. Solomon Director of Finance Prince William, VA May 24, 2013 VGFOA 2013 Virginia 2013 Spring State Conference
More informationNOTICES OF INTENT TO FORECLOSE IN MARYLAND APRIL 2013 REPORT
NOTICES OF INTENT TO FORECLOSE IN MARYLAND APRIL 2013 REPORT MARTIN O MALLEY ANTHONY G. BROWN LEONARD J. HOWIE, III GOVERNOR LT. GOVERNOR SECRETARY This report was produced at the request of the Department
More informationNOTICES OF INTENT TO FORECLOSE IN MARYLAND JULY 2013 REPORT
NOTICES OF INTENT TO FORECLOSE IN MARYLAND JULY 2013 REPORT MARTIN O MALLEY ANTHONY G. BROWN LEONARD J. HOWIE, III GOVERNOR LT. GOVERNOR SECRETARY This report was produced at the request of the Department
More informationMaryland Cash Rent USDA, National Agriculture Statistics Service
Cash rent lease agreements are the most popular type of lease agreement in Maryland. Cash rent is a fixed amount on a per acre basis. In this agreement the owner is relieved of operating and marketing
More informationCreating Thriving and Sustainable Communities A Community Discussion Growth & Planning
Creating Thriving and Sustainable Communities A Community Discussion Growth & Planning Forecasts Montgomery County s Growth County forecasts: What are they and how were they calculated? Regional growth
More informationDepartment of Legislative Services Maryland General Assembly 2008 Session FISCAL AND POLICY NOTE. Property Tax - Charter Counties - Limits
Department of Legislative Services Maryland General Assembly 2008 Session HB 125 FISCAL AND POLICY NOTE House Bill 125 Ways and Means (Delegates Hixson and McIntosh) Property Tax - Charter Counties - Limits
More informationThe Hubble Equity Line of Credit. Special Introductory Rate!
The Hubble Equity Line of Credit Special Introductory Rate! Our Hubble Equity Line of Credit has an Introductory rate of 3.00% APR until June 30, 2012. This offer is for new loans only. The line of credit
More informationWashington County, Maryland Fiscal Year 2012 Budget Presentation
Washington County, Maryland Fiscal Year 2012 Budget Presentation Washington County Commissioners Terry L. Baker President John F. Barr Vice-President William B. McKinley Commissioner Jeff Cline Commissioner
More informationCOMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE Date of Evaluation: FEBRUARY 2, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Name of Depository Institution: SUSQUEHANNA BANK Institution s Identification Number: 682611 Address:
More informationReal Deal The U.S. and Washington Area Economic Performance and Outlook
Real Deal 2011 The U.S. and Washington Area Economic Performance and Outlook Stephen S. Fuller, PhD Dwight Schar Faculty Chair and University Professor Director, Center for Regional Analysis George Mason
More informationJudges Retirement System The Judges Retirement System was established by the
Bull Market October 11, 1990 to June 14, 2000 (DJIA) 11200 10200 9200 8200 7200 6200 5200 4200 3200 2200 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 Jun- 2000 Judges Retirement System The Judges
More informationHomeowners and Foreclosure
Foreclosure Homeowners and Foreclosure Advancing Human Rights and Justice for All in Maryland since 1911 Maryland Legal Aid: Who We Are Maryland Legal Aid is a private, nonprofit law firm that provides
More informationUpdate On Mortgage Originations, Delinquency and Foreclosures In Maryland
Update On Mortgage Originations, Delinquency and Foreclosures In Maryland The Reinvestment Fund builds wealth and opportunity for low-wealth people and places through the promotion of socially and environmentally
More informationAnd, the Economic Monitor provides a good overview of home inventory levels, housing starts, and impact from the job market.
www.mris.com METROPOLITAN REGIONAL INFORMATION SYSTEMS, INC. 9420 Key West Avenue, Suite 200 T 301.838.7100 Rockville, Maryland 20850-3334 F 301.838.7171 March 1, 2006 Welcome to the Q4, 2006, edition
More informationECONOMIC IMPACT OF AMAZON S MAJOR CORPORATE HEADQUARTERS
PREPARED FOR THE December 7, 2018 ECONOMIC IMPACT OF AMAZON S MAJOR CORPORATE HEADQUARTERS IN VIRGINIA AND THE WASHINGTON MSA Contents 1. EXECUTIVE SUMMARY... 1 ECONOMIC IMPACT 101... 2 ECONOMIC IMPACT
More informationPeter Franchot Comptroller. Andrew M. Schaufele Director, Bureau of Revenue Estimates. March 2, Dear Members of the Board of Revenue Estimates:
Peter Franchot Comptroller Andrew M. Schaufele Director, Bureau of Revenue Estimates March 2, Dear Members of the Board of Revenue Estimates: We continue to research the federal tax changes and to enhance
More informationFINANCE AND INSURANCE
FINANCE AND INSURANCE Maryland Department of Labor, Licensing and Regulation Division of Workforce Development Office of Workforce Information and Performance 1100 N. Eutaw Street, Room 316 Baltimore,
More informationD A T A R E P O R T OCTOBER 31,
D A T A R E P O R T OCTOBER 31, 2 0 1 8 2 SUMMARY DASHBOARD 3-4 QUALIFIED HEALTH PLANS 5-9 ENROLLMENT 10 SHOP 11 CONSUMER ASSISTANCE 12 WEBSITE & MOBILE S U M M A R Y D A S H B O A R D Qualified Health
More informationEvergreen Health Small Group Eligibility and Enrollment Guidelines
3000 Falls Road, Suite 1 Baltimore, MD 21211 evergreenmd.org (855) 978-3282 Evergreen Health Small Group Eligibility and Enrollment Guidelines This material is for informational purposes only and is not
More informationINCOME TAX SUMMARY REPORT TAX YEAR Comptroller Peter Franchot
INCOME TAX SUMMARY REPORT TAX YEAR 2016 Comptroller Peter Franchot State of Maryland Comptroller of Maryland Revenue Administration Division This summary report is an analysis of Maryland Personal Income
More information71 st Annual Field Meeting
71 st Annual Field Meeting Hershey FEDERAL RESERVE BANK OF PHILADELPHIA Banking Trends and Supervisory Update William Spaniel Senior Vice President and Lending Officer Overview Third District Banking Conditions
More informationNC Mortgage Trends Matthew Martin, Ph.D. Regional Economist Federal Reserve Bank of Richmond
NC Mortgage Trends Matthew Martin, Ph.D. Regional Economist Federal Reserve Bank of Richmond The National Picture: 2007 Foreclosures Source: Realtytrac Confidential Information 2 The National Picture:
More informationDepartment of Legislative Services Maryland General Assembly 2009 Session
Department of Legislative Services Maryland General Assembly 2009 Session SB 710 FISCAL AND POLICY NOTE Senate Bill 710 Budget and Taxation (Senator Miller) State Retirement and Pension System - Local
More informationDepartment of Legislative Services Maryland General Assembly 2010 Session
Department of Legislative Services Maryland General Assembly 2010 Session HB 472 FISCAL AND POLICY NOTE Revised House Bill 472 (Delegate Niemann and the Speaker, et al.) (By Request - Administration) Environmental
More informationBankruptcy: What You Need to Know in Maryland
Bankruptcy Bankruptcy: What You Need to Know in Maryland Equal Access to Justice: Legal Aid Equal Justice for Maryland Since 1911 Legal Aid: Who We Are This brochure was prepared by the Maryland Legal
More informationSection 3 County Employee Pensions
Section 3 County Employee Pensions The following abbreviations are used throughout this Section: CPI consumer price index, often used to determine cost of living adjustments CS credited service, credited
More informationRound 6.4 Cooperative Forecasts of Population, Households, Housing Units and Employment
Round 6.4 Cooperative Forecasts of Population, Households, Housing Units and Employment This is the 58th in a series of Planning Information Reports produced by the Planning Research and Analysis Team
More informationGorfine, Schiller, & Gardyn, P.A. Real Deal Seminar
Gorfine, Schiller, & Gardyn, P.A. Real Deal Seminar The U.S. and Washington Economies: Current Performance and Near Term Outlook Stephen S. Fuller, PhD Dwight Schar Faculty Chair and University Professor
More informationMARYLAND STATE RETIREMENT AND PENSION SYSTEM
MARYLAND STATE RETIREMENT AND PENSION SYSTEM Schedules of Employer Allocations and Schedule of Pension Amounts by Employer Together with Report of Independent Public Accountants For the Fiscal Years Ended
More informationWelcome to the 1st Quarter, 2005 edition of the MRIS Quarterly Economic and Market Watch Report.
www.mris.com METROPOLITAN REGIONAL INFORMATION SYSTEMS, INC. 9420 Key West Avenue, Suite 200 T 301.838.7100 Rockville, Maryland 20850-3334 F 301.838.7171 May 10, 2005 Welcome to the 1st Quarter, 2005 edition
More informationMARYLAND NONPROFIT EMPLOYMENT UPDATE
Nonprofit Employment Bulletin no. 42 February 2013 MARYLAND NONPROFIT EMPLOYMENT UPDATE by LESTER M. SALAMON and STEPHANIE L. GELLER, with the technical assistance of S. WOJCIECH SOKOLOWSKI Johns Hopkins
More informationHOUSE BILL lr1710
Q HB /0 W&M & APP HOUSE BILL lr0 By: Delegates Healey, Cardin, G. Clagett, V. Clagett, Davis, Gaines, Gilchrist, Haynes, Heller, Hixson, Howard, Hubbard, Ivey, James, Kaiser, N. King, Love, Montgomery,
More informationSection 3 County Employee Pensions
Section 3 County Pensions The following abbreviations are used throughout this Section: CPI consumer price index, often used to determine cost of living adjustments CS credited service, credited service
More informationMARYLAND DEPARTMENT OF LABOR, LICENSING AND REGULATION Office of Workforce Information and Performance 1100 North Eutaw Street Baltimore, MD 21201
AND PAYROLLS "Check Out Our Web Site: www.dllr.state.md.us/lmi/index.htm" MARYLAND DEPARTMENT LABOR, LICENSING AND REGULATION Office of Workforce Information and Performance 1100 North Eutaw Street Baltimore,
More informationSTATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 St. Paul Place, Baltimore, Maryland Bulletin 06-11
ROBERT L. EHRLICH, JR. GOVERNOR MICHAEL S. STEELE LIEUTENANT GOVERNOR R. STEVEN ORR COMMISSIONER JAMES V. MCMAHON III DEPUTY COMMISSIONER RANDI JOHNSON ASSOCIATE COMMISSIONER Property & Casualty STATE
More informationTable of Contents. How to Shop for Homeowners Insurance. How to Shop for Homeowners Insurance 1. Things to Consider 2. What Factors Impact Rates 2
As of August 1, 2012 Table of Contents How to Shop for Homeowners Insurance 1 Things to Consider 2 What Factors Impact Rates 2 How To Use This Guide 3 Definitions 4 Scenario Descriptions 5 Rate Comparisons
More informationAll State Agencies December 31, 2015 Page 2
All State Agencies December 31, 2015 Page 2 Therefore, for the first $118,500 in FICA taxable earnings employers and employees will each pay a total tax amount of $9,065.25 ($7,347.00 + $1,718.25). For
More informationBudgets, Tax Rates, & Selected Statistics Fiscal Year 2014
Budgets, Tax Rates, & Selected Statistics Fiscal Year 2014 2 FISCAL YEAR 2014 REPORT OF COUNTY BUDGETS, TAX RATES & SELECTED STATISTICS PREPARED BY THE MARYLAND ASSOCIATION OF COUNTIES (MACO) 169 CONDUIT
More informationMEDIA RELEASE NEARLY 157,000 MARYLANDERS ENROLLED THROUGH MARYLAND HEALTH CONNECTION FOR 2019
MEDIA RELEASE NEARLY 157,000 MARYLANDERS ENROLLED THROUGH MARYLAND HEALTH CONNECTION FOR 2019 Enrollments both on and off exchange exceeded estimates for how reinsurance would stabilize Maryland s individual
More informationMaryland Judiciary FY 2010 Statewide Caseflow Assessment. Circuit Courts. Administrative Office of the Courts
Maryland Judiciary FY 21 Statewide Caseflow Assessment Circuit Courts Administrative Office of the Courts April 211 Table of Contents Main Analysis...2 Within-Standard Percentages...2 Average Case Processing
More informationState of Maryland Department of Human Resources
State of Maryland Department of Human Resources Mail-In Application for Qualified Medicare Beneficiary (QMB) and Specified Low-Income Medicare Beneficiary (SLMB) Programs Dear Applicant: In this packet
More informationPUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 29, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Manufacturers and Traders Trust Company RSSD No. 501105 One M&T Plaza Buffalo, New York 14203 Federal Reserve Bank
More informationThese three points are elaborated below. 820 First Street NE, Suite 510 Washington, DC Tel: Fax:
820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org TESTIMONY ON MARYLAND INCOME TAX RATE RESTRUCTURING: Presented by Nicholas Johnson,
More informationChairman Currie, Vice-Chairman Hogan, and members of the committee:
820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org February 28, 2007 TESTIMONY BEFORE THE MARYLAND SENATE BUDGET AND TAXATION COMMITTEE
More informationThe Washington Area Economy: Repositioning for Renewed Growth
Finance and Administration Roundtable The Washington Area Economy: Repositioning for Renewed Growth Stephen S. Fuller, Ph.D. Dwight Schar Faculty Chair and University Professor Director, Center for Regional
More informationAnnual Report. Maryland Department of State Police 1201 Reisterstown Road Pikesville, MD
2017 Annual Report Maryland Department of State Police 1201 Reisterstown Road Pikesville, MD 21208 http://mdsp.maryland.gov MARYLAND RAPID LAWS Maryland Business Regulation 12 Subtitle 101-01 Secondhand
More informationRound 9.0 Cooperative Forecast Results and Methods
Round 9.0 Cooperative Forecast Results and Methods By Robert Ruiz, Research Manager and Pamela Zorich, Planner Coordinator Montgomery County, Round 9.0 Cooperative Forecast Participation Round 1 1976 Round
More informationSchool Advocacy Committee - Finance
School Advocacy Committee - Finance February 24, 2013 6:00 p.m. Tonight s Agenda Welcome and Introductions Tour of the Northern Middle Facility Finance Presentation Human Resources Presentation Small Group
More informationTable of Contents. How to Shop for Homeowners Insurance. How to Shop for Homeowners Insurance 1. Things to Consider 2. What Factors Impact Rates 2
As of August 2018 i Table of Contents How to Shop for Homeowners Insurance 1 Things to Consider 2 What Factors Impact Rates 2 How to Use This Guide 3 Definitions 4 Scenario Descriptions 5 Comparison Worksheet
More informationROTARIAN ECONOMIST BRIEF No Analysis and Commentary for Service Above Self
ROTARIAN ECONOMIST BRIEF No. 2014-7 http://rotarianeconomist.com/ Analysis and Commentary for Service Above Self Rotary District 7620 Relative Membership Growth Potential Analysis by County Quentin Wodon
More informationDeposit Interest Rates & Annual Percentage Yields (APYs)
Deposit Interest Rates & Annual Percentage Yields (APYs) Virginia Savings & Checking Online Rates Effective: February 26, 2019 New Account opening limit is $250,000 in Online Channel. For larger accounts,
More informationUME Survey Instrument: 1 to 4 5 to 9 10 or more No questions in last year
UME Survey Instrument: Q1 As a UME Educator/Specialist, how many times per week in the last year have you or someone in your office received a question on the following law-related topics from your clientele
More informationGonzales Research & Marketing Strategies
Gonzales Research & Marketing Strategies www.gonzalesresearch.com Conducted for: Maryland State Builders Association January 2010 Methodology Patrick E. Gonzales graduated from the University of Baltimore
More informationBudgets, Tax Rates, & Selected Statistics Fiscal Year 2018
Budgets, Tax Rates, & Selected Statistics Fiscal Year 2018 1 Fiscal Year 2018 Report of County Budgets, Tax Rates & Selected Statistics Prepared by the Maryland Association of Counties MACo 69 Conduit
More informationLending and Foreclosure in NJ
Lending and Foreclosure in NJ Kathe Newman, Associate Professor and Director with Ben Teresa, Mirabel Chen, Michael D Orazio Research Associates Ralph W. Voorhees Center for Civic Engagement Urban Planning
More informationJames W. Cornelsen. Mark A. Semanie. Elise M. Hubbard NASDAQ: OLBK
James W. Cornelsen President & CEO Mark A. Semanie Executive Vice President & COO Elise M. Hubbard Executive Vice President & CFO NASDAQ: OLBK March 31, 2018 Table of Contents Forward-Looking Statement
More informationDepartment of Legislative Services
Department of Legislative Services Maryland General Assembly 2006 Session HB 1272 FISCAL AND POLICY NOTE House Bill 1272 Environmental Matters (Delegate Smigiel, et al.) Maryland Agricultural Land Preservation
More informationLosses due to animal strikes
Bulletin Vol. 29, No. 2 : April 2012 Losses due to animal strikes Animal strike claims typically rise dramatically in the fall, peaking in November. This analysis of claims from 2006 through 2011 shows
More informationBANK NAME YEAR CENSUS TRACT LOAN TYPE PROGRAM NO. OF LOANS VALUE OF LOANS BNY Mellon N.A HM NONE BNY Mellon N.A
BANK NAME YEAR CENSUS TRACT LOAN TYPE PROGRAM NO. OF LOANS VALUE OF LOANS BNY Mellon N.A. 2015 2612.00 HM NONE 1 700 BNY Mellon N.A. 2015 2162.00 HM NONE 1 500 BNY Mellon N.A. 2015 2641.02 HM NONE 1 784
More informationEmployment. Know Your Rights to. Equal Access to Justice: Legal Aid. Fair Pay. A Guide for Workers in Maryland. Equal Justice for Maryland Since 1911
Employment Know Your Rights to Fair Pay A Guide for Workers in Maryland Equal Access to Justice: Legal Aid Equal Justice for Maryland Since 1911 Who Prepared this Booklet? This booklet was prepared by
More informationDepartment of Legislative Services Maryland General Assembly 2010 Session. FISCAL AND POLICY NOTE Revised (The President)(By Request - Administration)
Department of Legislative Services Maryland General Assembly 2010 Session SB 202 Senate Bill 202 Budget and Taxation FISCAL AND POLICY NOTE Revised (The President)(By Request - Administration) Appropriations
More informationEnd-of-Year Payroll Processing
DECEMBER 2014 CHECKLIST OF TO-DO ITEMS Register for EFTPS (for new employers not yet registered). Order Forms W-2, W-3, 1099 and 1096. Order payroll tax update programs for computerized payroll systems.
More informationCOMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 26, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BNY Mellon, National Association Charter Number 6301 One Mellon Center, 500 Grant Street Pittsburgh, PA 15258 Office
More informationSection 9 - Service Fees and Charges
Section 9 - Service Fees and Charges In addition to general taxing authority, many counties also assess various fees or charges for certain activities or services2 These additional sources of county revenue
More informationJames W. Cornelsen. Mark A. Semanie. Elise M. Hubbard NASDAQ: OLBK
James W. Cornelsen President & CEO Mark A. Semanie Executive Vice President & COO Elise M. Hubbard Executive Vice President & CFO NASDAQ: OLBK December 31, 2018 Table of Contents Forward-Looking Statement
More informationSENATE BILL 141. (0lr0173) Read and Examined by Proofreaders: Sealed with the Great Seal and presented to the Governor, for his approval this
B SENATE BILL ENROLLED BILL Budget and Taxation/Appropriations Introduced by The President (By Request Administration) (0lr0) Read and Examined by Proofreaders: Proofreader. Proofreader. Sealed with the
More informationFinance and Administration Roundtable. The Washington Area Economy: Repositioning for Renewed Growth
5/2/25 Finance and Administration Roundtable The Washington Area Economy: Repositioning for Renewed Growth Stephen S. Fuller, Ph.D. Dwight Schar Faculty Chair and University Professor George Mason University
More information