Farmers And Mechanics Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Farmers And Mechanics Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Farmers And Mechanics Bank 110 Thomas Johnson Dr Frederick, MD 21702 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,988 |
| Total Mortgage Loan Application Amount | $448,830,000 |
| Average Mortgage Loan Application Amount | $137,607 |
| Highest Mortgage Loan Application Amount | $1,540,000 |
| Average Applicant Income | $106,313 |
| Highest Applicant Income | $3,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Farmers And Mechanics Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Farmers And Mechanics Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Farmers And Mechanics Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Farmers And Mechanics Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Farmers And Mechanics Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Farmers And Mechanics Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Frederick County Maryland | 658 | $ 103,195,000 | $ 156,000 | $ 66,000 |
| Baltimore County Maryland | 426 | $ 59,424,000 | $ 139,000 | $ 67,000 |
| Washington County Maryland | 371 | $ 46,301,000 | $ 124,000 | $ 64,000 |
| Carroll County Maryland | 324 | $ 51,467,000 | $ 158,000 | $ 55,000 |
| Howard County Maryland | 156 | $ 33,340,000 | $ 213,000 | $ 93,000 |
| Harford County Maryland | 130 | $ 18,722,000 | $ 144,000 | $ 54,000 |
| Montgomery County Maryland | 122 | $ 26,242,000 | $ 215,000 | $ 79,000 |
| Baltimore City County Maryland | 103 | $ 11,983,000 | $ 116,000 | $ 57,000 |
| Sussex County Delaware | 95 | $ 18,037,000 | $ 189,000 | $ 95,000 |
| Cecil County Maryland | 77 | $ 10,521,000 | $ 136,000 | $ 92,000 |
| Anne Arundel County Maryland | 50 | $ 9,267,000 | $ 185,000 | $ 77,000 |
| Berkeley County West Virginia | 39 | $ 4,462,000 | $ 114,000 | $ 50,000 |
| Adams County Pennsylvania | 36 | $ 5,464,000 | $ 151,000 | $ 75,000 |
| Prince George's County Maryland | 26 | $ 5,282,000 | $ 203,000 | $ 70,000 |
| Franklin County Pennsylvania | 26 | $ 2,519,000 | $ 96,000 | $ 34,000 |
| Worcester County Maryland | 22 | $ 4,511,000 | $ 205,000 | $ 161,000 |
| Jefferson County West Virginia | 15 | $ 1,438,000 | $ 95,000 | $ 46,000 |
| York County Pennsylvania | 14 | $ 1,628,000 | $ 116,000 | $ 44,000 |
| Fulton County Pennsylvania | 13 | $ 904,000 | $ 69,000 | $ 55,000 |
| Allegany County Maryland | 12 | $ 1,017,000 | $ 84,000 | $ 65,000 |
| Loudoun County Virginia | 11 | $ 2,298,000 | $ 208,000 | $ 92,000 |
| Pinal County Arizona | 8 | $ 449,000 | $ 56,000 | $ 69,000 |
| Orange County California | 8 | $ 310,000 | $ 38,000 | $ 41,000 |
| Los Angeles County California | 7 | $ 824,000 | $ 117,000 | $ 57,000 |
| Lancaster County Pennsylvania | 7 | $ 600,000 | $ 85,000 | $ 52,000 |
| Morgan County West Virginia | 7 | $ 1,033,000 | $ 147,000 | $ 97,000 |
| Yavapai County Arizona | 6 | $ 225,000 | $ 37,000 | $ 39,000 |
| Salt Lake County Utah | 6 | $ 413,000 | $ 68,000 | $ 53,000 |
| Fairfax County Virginia | 6 | $ 1,545,000 | $ 257,000 | $ 75,000 |
| Charles County Maryland | 5 | $ 809,000 | $ 161,000 | $ 16,000 |
| Berks County Pennsylvania | 5 | $ 386,000 | $ 77,000 | $ 67,000 |
| Arlington County Virginia | 5 | $ 1,232,000 | $ 246,000 | $ 106,000 |
| Maricopa County Arizona | 4 | $ 146,000 | $ 36,000 | $ 38,000 |
| Santa Clara County California | 4 | $ 198,000 | $ 49,000 | $ 56,000 |
| Adams County Colorado | 4 | $ 181,000 | $ 45,000 | $ 36,000 |
| Garfield County Colorado | 4 | $ 262,000 | $ 65,000 | $ 57,000 |
| District of Columbia County District Of Columbia | 4 | $ 1,151,000 | $ 287,000 | $ 125,000 |
| Dorchester County Maryland | 4 | $ 368,000 | $ 92,000 | $ 35,000 |
| Garrett County Maryland | 4 | $ 821,000 | $ 205,000 | $ 144,000 |
| Dare County North Carolina | 4 | $ 1,069,000 | $ 267,000 | $ 230,000 |
| Yuma County Arizona | 3 | $ 100,000 | $ 33,000 | $ 51,000 |
| Larimer County Colorado | 3 | $ 139,000 | $ 46,000 | $ 51,000 |
| New Castle County Delaware | 3 | $ 374,000 | $ 124,000 | $ 25,000 |
| Palm Beach County Florida | 3 | $ 527,000 | $ 175,000 | $ 192,000 |
| Queen Anne's County Maryland | 3 | $ 1,104,000 | $ 368,000 | $ 128,000 |
| Talbot County Maryland | 3 | $ 1,147,000 | $ 382,000 | $ 152,000 |
| Clark County Nevada | 3 | $ 200,000 | $ 66,000 | $ 64,000 |
| Lebanon County Pennsylvania | 3 | $ 129,000 | $ 43,000 | $ 41,000 |
| Somerset County Pennsylvania | 3 | $ 121,000 | $ 40,000 | $ 48,000 |
| Chittenden County Vermont | 3 | $ 88,000 | $ 29,000 | $ 42,000 |
| Kanawha County West Virginia | 3 | $ 91,000 | $ 30,000 | $ 40,000 |
| San Diego County California | 2 | $ 133,000 | $ 66,000 | $ 49,000 |
| Sonoma County California | 2 | $ 132,000 | $ 66,000 | $ 54,000 |
| El Paso County Colorado | 2 | $ 67,000 | $ 33,000 | $ 39,000 |
| Kent County Delaware | 2 | $ 292,000 | $ 146,000 | $ 34,000 |
| Calvert County Maryland | 2 | $ 327,000 | $ 163,000 | $ 286,000 |
| Caroline County Maryland | 2 | $ 267,000 | $ 133,000 | $ 23,000 |
| Plymouth County Massachusetts | 2 | $ 253,000 | $ 126,000 | $ 80,000 |
| Macomb County Michigan | 2 | $ 61,000 | $ 30,000 | $ 47,000 |
| Washtenaw County Michigan | 2 | $ 62,000 | $ 31,000 | $ 25,000 |
| Wayne County Michigan | 2 | $ 53,000 | $ 26,000 | $ 25,000 |
| Lyon County Nevada | 2 | $ 68,000 | $ 34,000 | $ 45,000 |
| Strafford County New Hampshire | 2 | $ 90,000 | $ 45,000 | $ 47,000 |
| Cape May County New Jersey | 2 | $ 258,000 | $ 129,000 | $ 91,000 |
| Clark County Ohio | 2 | $ 73,000 | $ 36,000 | $ 25,000 |
| Muskingum County Ohio | 2 | $ 95,000 | $ 47,000 | $ 50,000 |
| Bedford County Pennsylvania | 2 | $ 102,000 | $ 51,000 | $ 37,000 |
| Bucks County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 121,000 |
| Chester County Pennsylvania | 2 | $ 94,000 | $ 47,000 | $ 49,000 |
| Clearfield County Pennsylvania | 2 | $ 156,000 | $ 78,000 | $ 39,000 |
| Cumberland County Pennsylvania | 2 | $ 76,000 | $ 38,000 | $ 53,000 |
| Erie County Pennsylvania | 2 | $ 105,000 | $ 52,000 | $ 75,000 |
| Lackawanna County Pennsylvania | 2 | $ 126,000 | $ 63,000 | $ 51,000 |
| Luzerne County Pennsylvania | 2 | $ 113,000 | $ 56,000 | $ 170,000 |
| Perry County Pennsylvania | 2 | $ 79,000 | $ 39,000 | $ 49,000 |
| Philadelphia County Pennsylvania | 2 | $ 114,000 | $ 57,000 | $ 134,000 |
| Westmoreland County Pennsylvania | 2 | $ 121,000 | $ 60,000 | $ 75,000 |
| Windsor County Vermont | 2 | $ 342,000 | $ 171,000 | $ 110,000 |
| Bedford County Virginia | 2 | $ 293,000 | $ 146,000 | $ 72,000 |
| Frederick County Virginia | 2 | $ 412,000 | $ 206,000 | $ 68,000 |
| Mecklenburg County Virginia | 2 | $ 300,000 | $ 150,000 | $ 72,000 |
| Prince William County Virginia | 2 | $ 980,000 | $ 490,000 | $ 125,000 |
| Roanoke City County Virginia | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Spotsylvania County Virginia | 2 | $ 396,000 | $ 198,000 | $ 62,000 |
| Mohave County Arizona | 1 | $ 21,000 | $ 21,000 | $ 32,000 |
| Pima County Arizona | 1 | $ 43,000 | $ 43,000 | $ 60,000 |
| Marin County California | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Monterey County California | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Solano County California | 1 | $ 23,000 | $ 23,000 | $ 35,000 |
| Stanislaus County California | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Arapahoe County Colorado | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Boulder County Colorado | 1 | $ 16,000 | $ 16,000 | $ 54,000 |
| Mesa County Colorado | 1 | $ 24,000 | $ 24,000 | $ 56,000 |
| Tolland County Connecticut | 1 | $ 248,000 | $ 248,000 | $ 86,000 |
| Polk County Florida | 1 | $ 171,000 | $ 171,000 | $ 184,000 |
| Sarasota County Florida | 1 | $ 285,000 | $ 285,000 | $ 375,000 |
| Fulton County Georgia | 1 | $ 250,000 | $ 250,000 | $ 82,000 |
| Elkhart County Indiana | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
| Cumberland County Maine | 1 | $ 1,500,000 | $ 1,500,000 | $ 3,000,000 |
| Oxford County Maine | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| St. Mary's County Maryland | 1 | $ 184,000 | $ 184,000 | $ 80,000 |
| Benzie County Michigan | 1 | $ 194,000 | $ 194,000 | $ 240,000 |
| Kent County Michigan | 1 | $ 88,000 | $ 88,000 | $ 64,000 |
| Monroe County Michigan | 1 | $ 27,000 | $ 27,000 | $ 37,000 |
| Hennepin County Minnesota | 1 | $ 227,000 | $ 227,000 | $ 135,000 |
| Jackson County Missouri | 1 | $ 54,000 | $ 54,000 | $ 37,000 |
| Nye County Nevada | 1 | $ 97,000 | $ 97,000 | $ 223,000 |
| Hillsborough County New Hampshire | 1 | $ 63,000 | $ 63,000 | $ 51,000 |
| Atlantic County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Monmouth County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 140,000 |
| Ocean County New Jersey | 1 | $ 110,000 | $ 110,000 | $ 114,000 |
| Saratoga County New York | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Ulster County New York | 1 | $ 52,000 | $ 52,000 | $ 67,000 |
| Johnston County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Defiance County Ohio | 1 | $ 59,000 | $ 59,000 | $ 62,000 |
| Hamilton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Licking County Ohio | 1 | $ 53,000 | $ 53,000 | $ 47,000 |
| Perry County Ohio | 1 | $ 28,000 | $ 28,000 | $ 48,000 |
| Shelby County Ohio | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Stark County Ohio | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Allegheny County Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 46,000 |
| Cambria County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Clinton County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Dauphin County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 24,000 |
| Delaware County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Monroe County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 300,000 |
| Montgomery County Pennsylvania | 1 | $ 47,000 | $ 47,000 | $ 52,000 |
| Pike County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 300,000 |
| Washington County Rhode Island | 1 | $ 13,000 | $ 13,000 | $ 24,000 |
| Beaufort County South Carolina | 1 | $ 238,000 | $ 238,000 | $ 94,000 |
| Horry County South Carolina | 1 | $ 124,000 | $ 124,000 | $ 67,000 |
| Cache County Utah | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Weber County Utah | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Franklin County Vermont | 1 | $ 22,000 | $ 22,000 | $ 50,000 |
| Windham County Vermont | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Alexandria County Virginia | 1 | $ 137,000 | $ 137,000 | $ 171,000 |
| Augusta County Virginia | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| Franklin County Virginia | 1 | $ 320,000 | $ 320,000 | $ 161,000 |
| Fredericksburg County Virginia | 1 | $ 146,000 | $ 146,000 | $ 58,000 |
| Greene County Virginia | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Montgomery County Virginia | 1 | $ 98,000 | $ 98,000 | $ 46,000 |
| Stafford County Virginia | 1 | $ 140,000 | $ 140,000 | $ 43,000 |
| Virginia Beach County Virginia | 1 | $ 252,000 | $ 252,000 | $ 121,000 |
| Hampshire County West Virginia | 1 | $ 513,000 | $ 513,000 | $ 162,000 |
| Mineral County West Virginia | 1 | $ 173,000 | $ 173,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Farmers And Mechanics Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,866 | $302,530,000 | $191,541 | $1,540,000 | $158,708 | $3,000,000 |
| Home Purchase (one-to-four family) | 1,099 | $144,829,000 | $84,958 | $971,000 | $62,875 | $1,020,000 |
| Home Improvement (one-to-four family) | 20 | $488,000 | $27,500 | $68,000 | $52,000 | $106,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $983,000 | $327,000 | $477,000 | $0 | $0 |
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 | 2,616 | $388,072,000 | $152,285 | $1,500,000 | $135,321 | $3,000,000 |
| Information not provided by applicant in mail or telephone application | 165 | $28,796,000 | $134,909 | $635,000 | $66,545 | $410,000 |
| Black | 92 | $13,147,000 | $89,000 | $478,000 | $53,500 | $193,000 |
| Hispanic | 49 | $5,771,000 | $89,000 | $555,000 | $58,916 | $299,000 |
| Asian or Pacific Islander | 33 | $6,172,000 | $178,200 | $487,000 | $105,000 | $224,000 |
| Other | 23 | $5,349,000 | $232,000 | $1,540,000 | $104,000 | $422,000 |
| Not applicable | 10 | $1,523,000 | $152,000 | $477,000 | $11,000 | $47,000 |
| American Indian or Alaskan Native | 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) | 2,586 | $397,436,000 | $148,178 | $1,540,000 | $131,250 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 325 | $40,457,000 | $121,750 | $263,000 | $29,500 | $202,000 |
| VA-guaranteed (Veterans Administration) | 74 | $10,522,000 | $141,000 | $246,000 | $20,750 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $415,000 | $138,000 | $180,000 | $65,000 | $89,000 |
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 | 2,534 | $390,420,000 | $174,050 | $1,540,000 | $107,400 | $3,000,000 |
| Application Approved But Not Accepted | 171 | $24,330,000 | $96,200 | $750,000 | $60,133 | $438,000 |
| Application Denied By Financial Institution | 150 | $8,854,000 | $73,916 | $432,000 | $48,500 | $223,000 |
| Application Withdrawn By Applicant | 133 | $25,226,000 | $307,666 | $1,500,000 | $413,333 | $3,000,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 56 | $2,955,000 | $54,111 | $250,000 | $48,111 | $156,000 |
| Debt-To-Income Ratio | 33 | $1,780,000 | $55,500 | $280,000 | $32,500 | $70,000 |
| Other | 21 | $1,283,000 | $56,444 | $206,000 | $41,111 | $77,000 |
| Collateral | 16 | $1,040,000 | $75,750 | $206,000 | $48,250 | $79,000 |
| Unverifiable Information | 12 | $918,000 | $87,500 | $185,000 | $90,500 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $332,000 | $51,666 | $91,000 | $52,000 | $67,000 |
| Employment History | 3 | $512,000 | $170,666 | $432,000 | $50,000 | $62,000 |
| Credit Application Incomplete | 2 | $34,000 | $17,000 | $20,000 | $29,500 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farmers And Mechanics Bank's 2003 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 Farmers And Mechanics Bank'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.