First United Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, First United Bank & Trust of Oakland, MD reported 260 mortgage applications totaling $96.1 million, down 4% from 2024. The average application was for $369,653, and applicants reported an average income of $206,284. 68% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Morgantown, WV (37), Hagerstown-Martinsburg, MD-WV (23) and Washington-Baltimore-Arlington, DC (6) (applications in parentheses).
| Mortgage Company & Address | First United Bank & Trust 19 S Second Street Oakland, MD 21550 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 260 |
| Total Mortgage Loan Application Amount | $96,110,000 |
| Average Mortgage Loan Application Amount | $369,653 |
| Highest Mortgage Loan Application Amount | $5,255,000 |
| Average Applicant Income | $206,284 |
| Highest Applicant Income | $2,151,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Garrett, Maryland | 67 | $ 32,385,000 | $ 483,358 | $ 289,000 |
| Allegany, Maryland | 65 | $ 10,165,000 | $ 156,384 | $ 108,000 |
| Monongalia, West Virginia | 29 | $ 10,815,000 | $ 372,931 | $ 146,000 |
| Washington, Maryland | 14 | $ 3,840,000 | $ 274,285 | $ 122,000 |
| Mineral, West Virginia | 12 | $ 3,190,000 | $ 265,833 | $ 137,000 |
| Marion, West Virginia | 9 | $ 2,425,000 | $ 269,444 | $ 138,000 |
| Berkeley, West Virginia | 8 | $ 2,320,000 | $ 290,000 | $ 103,000 |
| Preston, West Virginia | 8 | $ 2,170,000 | $ 271,250 | $ 108,000 |
| Franklin, Pennsylvania | 5 | $ 1,615,000 | $ 323,000 | $ 88,000 |
| Harrison, West Virginia | 5 | $ 1,105,000 | $ 221,000 | $ 0 |
| Frederick, Maryland | 4 | $ 3,200,000 | $ 800,000 | $ 240,000 |
| Grant, West Virginia | 4 | $ 1,000,000 | $ 250,000 | $ 87,000 |
| Montgomery, Maryland | 2 | $ 1,760,000 | $ 880,000 | $ 483,000 |
| Carteret, North Carolina | 2 | $ 2,610,000 | $ 1,305,000 | $ 823,000 |
| Adams, Pennsylvania | 2 | $ 750,000 | $ 375,000 | $ 78,000 |
| Fairfax, Virginia | 2 | $ 5,350,000 | $ 2,675,000 | $ 1,171,000 |
| Ohio, West Virginia | 2 | $ 170,000 | $ 85,000 | $ 91,000 |
| Covington, Alabama | 1 | $ 255,000 | $ 255,000 | $ 160,000 |
| Eagle, Colorado | 1 | $ 605,000 | $ 605,000 | $ 137,000 |
| Baltimore, Maryland | 1 | $ 1,125,000 | $ 1,125,000 | $ 522,000 |
| Howard, Maryland | 1 | $ 985,000 | $ 985,000 | $ 384,000 |
| Worcester, Maryland | 1 | $ 335,000 | $ 335,000 | $ 322,000 |
| Cambria, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Fayette, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| Somerset, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| York, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 116,000 |
| Loudoun, Virginia | 1 | $ 4,345,000 | $ 4,345,000 | $ 1,746,000 |
| Barbour, West Virginia | 1 | $ 335,000 | $ 335,000 | $ 1,369,000 |
| Hampshire, West Virginia | 1 | $ 695,000 | $ 695,000 | $ 233,000 |
| Kanawha, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Morgan, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Randolph, West Virginia | 1 | $ 335,000 | $ 335,000 | $ 358,000 |
| Summers, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 200,000 |
| Taylor, West Virginia | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Upshur, West Virginia | 1 | $ 545,000 | $ 545,000 | $ 222,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 216 | $82,460,000 | $381,000 | $5,255,000 | $215,000 | $2,151,000 |
| Cash-out Refinancing | 25 | $7,575,000 | $303,000 | $1,365,000 | $144,000 | $722,000 |
| Refinancing | 16 | $5,620,000 | $351,000 | $965,000 | $219,000 | $548,000 |
| Home Improvement | 3 | $455,000 | $151,000 | $245,000 | $30,000 | $30,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 172 | $48,330,000 | $280,000 | $1,505,000 | $144,000 | $1,369,000 |
| Not Provided | 41 | $31,955,000 | $779,000 | $5,255,000 | $481,000 | $2,151,000 |
| Not applicable | 37 | $11,065,000 | $299,000 | $965,000 | $0 | $0 |
| Asian | 5 | $2,985,000 | $597,000 | $1,275,000 | $317,000 | $597,000 |
| Black or African American | 3 | $485,000 | $161,000 | $265,000 | $103,000 | $110,000 |
| Hispanic | 1 | $1,195,000 | $1,195,000 | $1,195,000 | $312,000 | $312,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 256 | $95,480,000 | $372,000 | $5,255,000 | $210,000 | $2,151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $630,000 | $157,000 | $395,000 | $17,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 178 | $64,540,000 | $362,000 | $5,255,000 | $207,000 | $2,151,000 |
| Application Denied By Financial Institution | 31 | $10,085,000 | $325,000 | $835,000 | $116,000 | $451,000 |
| Application Approved But Not Accepted | 29 | $12,765,000 | $440,000 | $4,345,000 | $288,000 | $1,746,000 |
| Application Withdrawn By Applicant | 21 | $8,025,000 | $382,000 | $1,395,000 | $223,000 | $1,494,000 |
| File Closed For Incompleteness | 1 | $695,000 | $695,000 | $695,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 260 | $96,110,000 | $369,000 | $5,255,000 | $206,000 | $2,151,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First United Bank & Trust's 2025 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 First United Bank & Trust'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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