Baltimore has 257,996 houses and apartments. Of the houses, apartments, etc. in the city, about 50% are lived in by their owners, not renters.
In Baltimore, 68% of housing owners are paying off a mortgage. It's about 15% of homeowners in the city that use a second mortgage or home equity loan.
Mortgage and interest rate quotes for the Baltimore area (or anywhere else you choose in the US) are available, without obligation or credit checks:
| Credit Union | Year Opened | Q1-2 2006 Mortgages | Phone |
|---|---|---|---|
| ABACO MD FEDERAL CREDIT UNION | 1958 | (410) 222-4184 | |
| AMERICAN HAMMERED FEDERAL CREDIT UNION | 1948 | (410) 547-7681 | |
| ASE FEDERAL CREDIT UNION | 1969 | 2 | |
| BALTIMORE PIPE TRADES FEDERAL CREDIT UNION | 1961 | (410) 866-3651 | |
| CENTRAL CREDIT UNION OF MARYLAND,IN | 1950 | (410) 828-4500 | |
| CLOVERLAND FARMS DAIRY EMP FEDERAL CREDIT UNION | 1972 | (410) 889-0200 | |
| DOUGLAS MEMORIAL FEDERAL CREDIT UNION | 1950 | ||
| FIRST EAGLE FEDERAL CREDIT UNION | 1956 | 36 | (410) 338-9020 |
| HEALTHCARE UNITED FEDERAL CREDIT UNION | 1972 | (443) 849-3199 | |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1971 | 189 | (410) 955-4500 |
| LEVER UNITED COMMUNITY CU CREDIT UNION | (410) 282-0666 | ||
| LM FEDERAL CREDIT UNION | 1949 | 30 | (410) 687-5240 |
| LOCAL 355 MD FEDERAL CREDIT UNION | 1962 | (410) 56-6 5700 | |
| MEMBERS FIRST CREDIT UNION | 1969 | 17 | (410) 633-8850 |
| MERCY HOSPITAL OF MD. EMPS. FEDERAL CREDIT UNION | 1980 | (410) 332-9095 | |
| MTA EMPLOYEES CREDIT UNION, INC. | 1935 | 112 | (410) 254-0400 |
| MUNICIPAL EMPL.CREDIT UNION OF BALT | 1936 | 578 | (410) 223-4003 |
| NOTRE DAME 2901 FEDERAL CREDIT UNION | 1959 | (410) 325-5095 | |
| OLDHAM FAMILY ALLIANCE FEDERAL CREDIT UNION | 1950 | 2 | (410) 931-3123 |
| PITTSBURGH PLATE GLASS BALT E FEDERAL CREDIT UNION | 1936 | (410) 945-3300 | |
| POST OFFICE CU OF MD, INC. CREDIT UNION | 6 | (410) 727-5469 | |
| RELAY FEDERAL CREDIT UNION | 1936 | (410) 247-6086 | |
| SECURITYPLUS FEDERAL CREDIT UNION | 1938 | 277 | (410) 281-6200 |
| SELFRELIANCE BALTO FEDERAL CREDIT UNION | 1955 | 18 | (410) 327-9841 |
| ST. AGNES EMPLOYEES FEDERAL CREDIT UNION | 1969 | 24 | (410) 368-3125 |
| ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION | 1968 | 2 | (410) 337-1893 |
| THE MOUNT LEBANON FEDERAL CREDIT UNION | 1970 | (410) 225-0030 | |
| TRIPLE C 16 FEDERAL CREDIT UNION | 1954 | 2 | (410) 284-7820 |
| TYPO 12 FEDERAL CREDIT UNION | 1959 | ||
| US COAST GUARD YARD CREDIT UNION | 16 | (410) 789-5420 | |
| W R GRACE MARYLAND EMPLOYEES FEDERAL CREDIT UNION | 1955 | (410) 354-6794 | |
| * Disclaimer: List is not guaranteed to be complete or accurate. |
| Credit Counselor Name | Phone |
|---|---|
| ACORN HOUSING, BALTIMORE, MD | 410-752-4213 |
| BETHEL OUTREACH CENTER | 410-523-4273 |
| DRUID HEIGHTS COMMUNITY DEVELOPMENT CORPORATI | 410-523-1350-10 |
| GOVANS ECONOMIC MANAGEMENT SENATE, INCORPORAT | 410-433-3400 |
| GREATER BALTIMORE URBAN LEAGUE | 410-523-8150 |
| HARBEL HOUSING PARTNERSHIP | 410-444-9152 |
| HARLEM PARK REVITALIZATION CORPORATION | 410-728-5086 |
| NEIGHBORHOOD HOUSING SERVICES OF BALTIMORE, | 410-327-1200 |
| SAINT AMBROSE HOUSING AID CENTER, INC. | 410-366-8362-216 |
| SOUTHEAST COMMUNITY DEVELOPMENT CORPORATION | 410-342-3234-26 |
| THE DEVELOPMENT CORPORATION OF NORTHWEST BALT | 410-578-7190 |
| TRI- CHURCHES HOUSING, INCORPORATED | 410-385-1463 |
| * Disclaimer: List is not guaranteed to be complete or accurate. |
| Name | Type | Assets (Millions) | Local Branches |
|---|---|---|---|
| Advance Bank | Commercial Lending | 73 | 3 |
| AmericasBank | All Other < $1 Billion | 62 | 1 |
| Arundel Federal Savings Bank | Mortgage Lending | 383 | 1 |
| Baltimore County Savings Bank, FSB | All Other < $1 Billion | 796 | 6 |
| Bank of America, National Association | All Other > $1 Billion | 1,047,537 | 45 |
| Bay National Bank | Commercial Lending | 187 | 1 |
| Bay- Vanguard Federal Savings Bank | Mortgage Lending | 117 | 3 |
| Bradford Bank | Commercial Lending | 401 | 2 |
| Branch Banking and Trust Company | Commercial Lending | 76,719 | 3 |
| BUCS Federal Bank | Mortgage Lending | 128 | 2 |
| Carrollton Bank | Commercial Lending | 332 | 7 |
| Chesapeake Bank of Maryland | Commercial Lending | 218 | 5 |
| Citibank, Federal Savings Bank | Mortgage Lending | 30,310 | 1 |
| Colombo Bank | Commercial Lending | 114 | 1 |
| Eastern Savings Bank, FSB | Mortgage Lending | 719 | 1 |
| Fairmount Federal Savings Bank | Mortgage Lending | 39 | 1 |
| First Mariner Bank | Commercial Lending | 1,324 | 9 |
| Fraternity Federal Savings and Loan Association | Mortgage Lending | 151 | 1 |
| Fullerton Federal Savings Association | Mortgage Lending | 10 | 1 |
| Golden Prague Federal Savings and Loan Association | Mortgage Lending | 34 | 2 |
| Hamilton Federal Bank | Mortgage Lending | 240 | 3 |
| Homewood Federal Savings Bank | Mortgage Lending | 66 | 1 |
| Hopkins Federal Savings Bank | Commercial Lending | 239 | 2 |
| Hull Federal Savings Bank | Mortgage Lending | 15 | 1 |
| Ideal Federal Savings Bank | Mortgage Lending | 7 | 1 |
| K Bank | Commercial Lending | 569 | 1 |
| Kopernik Federal Bank | Mortgage Lending | 30 | 1 |
| Kosciuszko Federal Savings Bank | Mortgage Lending | 13 | 1 |
| Liberty Federal Savings and Loan Association | Mortgage Lending | 55 | 2 |
| Madison Bohemian Savings Bank | Mortgage Lending | 205 | 2 |
| Madison Square Federal Savings Bank | Mortgage Lending | 118 | 2 |
| Manufacturers and Traders Trust Company | Commercial Lending | 53,955 | 28 |
| Mercantile- Safe Deposit and Trust Company | Commercial Lending | 6,980 | 7 |
| Midstate Federal Savings and Loan Association | All Other < $1 Billion | 107 | 1 |
| Northwest Savings Bank | Mortgage Lending | 6,368 | 1 |
| Provident Bank of Maryland | Commercial Lending | 6,145 | 32 |
| Rosedale Federal Savings and Loan Association | Mortgage Lending | 578 | 5 |
| Saint Casimir's Savings Bank | Other < $1 Billion | 116 | 4 |
| Slavie Federal Savings Bank | Mortgage Lending | 157 | 1 |
| Suburban Federal Savings Bank | Commercial Lending | 383 | 2 |
| SunTrust Bank | Commercial Lending | 167,395 | 14 |
| Susquehanna Bank | Commercial Lending | 2,810 | 8 |
| T. Rowe Price Savings Bank | Mortgage Lending | 113 | 1 |
| The Columbia Bank | Commercial Lending | 1,281 | 4 |
| The Harbor Bank of Maryland | Commercial Lending | 242 | 4 |
| The Patapsco Bank | Commercial Lending | 204 | 4 |
| United Medical Bank, FSB | Mortgage Lending | 102 | 1 |
| Vigilant Federal Savings Bank | Mortgage Lending | 48 | 1 |
| Wachovia Bank, National Association | All Other > $1 Billion | 459,529 | 27 |
| Wilmington Trust FSB | Consumer Lending | 234 | 1 |
| * Disclaimer: List is not guaranteed to be complete or accurate. |
| Category | Value |
|---|---|
| Homes With No Mortgage | 32% |
| With A Mortgage | 68% |
| First Mortgage Only | 52% |
| Second Mortgage or Home Equity Loan | 15% |
| Second Mortgage Only | 9% |
| Home Equity Loan Only | 6% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 19.4% |
| Median Real Estate Taxes (2000) | $1,313 |
| Category | Value |
|---|---|
| Total Occupied | 257,996 |
| 1-Person Households | 35% |
| 2-Person Households | 28% |
| 3-Person Households | 16% |
| 4-Person Households | 11% |
| 5-Person Households | 6% |
| 6-Person Households | 3% |
| 7+-Person Households | 2% |
| Category | Value |
|---|---|
| Median Year Built | 1948 |
| Median Year Built (Owner Occupied) | 1943 |
| Median Year Built (Renter Occupied) | 1954 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 69% |
| Using Bottled/Tank Gas Heat | 1% |
| Using Electric Heat | 7% |
| Using Oil Heat | 21% |
| Using Coal | 0% |
| Using Wood Heating | 0% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 0% |
| Category | Value |
|---|---|
| No Bedrooms | 0% |
| 1 Bedroom | 4% |
| 2 Bedrooms | 20% |
| 3 Bedrooms | 58% |
| 4 Bedrooms | 12% |
| 5+ Bedrooms | 5% |
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