First United Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, First United Bank & Trust of Oakland, MD reported 558 mortgage applications totaling $85.4 million, up 2% from 2010. The average application was for $152,973, and applicants reported an average income of $81,689. 61% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Cumberland, MD-WV (158), Hagerstown-Martinsburg, MD-WV (96) and Morgantown, WV (55) (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 | 558 |
| Total Mortgage Loan Application Amount | $85,359,000 |
| Average Mortgage Loan Application Amount | $152,973 |
| Highest Mortgage Loan Application Amount | $2,030,000 |
| Average Applicant Income | $81,689 |
| Highest Applicant Income | $1,137,000 |
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records First United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 149 | $ 30,403,000 | $ 204,046 | $ 97,000 |
| Mineral, West Virginia | 87 | $ 7,678,000 | $ 88,252 | $ 66,000 |
| Allegany, Maryland | 71 | $ 7,101,000 | $ 100,014 | $ 58,000 |
| Berkeley, West Virginia | 68 | $ 6,341,000 | $ 93,250 | $ 59,000 |
| Preston, West Virginia | 30 | $ 3,290,000 | $ 109,666 | $ 72,000 |
| Monongalia, West Virginia | 25 | $ 6,035,000 | $ 241,400 | $ 107,000 |
| Frederick, Maryland | 22 | $ 3,288,000 | $ 149,454 | $ 71,000 |
| Washington, Maryland | 21 | $ 3,436,000 | $ 163,619 | $ 87,000 |
| Grant, West Virginia | 11 | $ 553,000 | $ 50,272 | $ 39,000 |
| Hampshire, West Virginia | 10 | $ 2,943,000 | $ 294,300 | $ 127,000 |
| Hardy, West Virginia | 7 | $ 2,024,000 | $ 289,142 | $ 135,000 |
| Morgan, West Virginia | 7 | $ 1,193,000 | $ 170,428 | $ 44,000 |
| Jefferson, West Virginia | 6 | $ 855,000 | $ 142,500 | $ 132,000 |
| Carroll, Maryland | 4 | $ 913,000 | $ 228,250 | $ 120,000 |
| Fayette, Pennsylvania | 4 | $ 387,000 | $ 96,750 | $ 51,000 |
| Harrison, West Virginia | 4 | $ 977,000 | $ 244,250 | $ 80,000 |
| Baltimore, Maryland | 3 | $ 2,156,000 | $ 718,666 | $ 180,000 |
| Franklin, Pennsylvania | 3 | $ 144,000 | $ 48,000 | $ 60,000 |
| Tucker, West Virginia | 3 | $ 317,000 | $ 105,666 | $ 81,000 |
| Sussex, Delaware | 2 | $ 535,000 | $ 267,500 | $ 116,000 |
| Baltimore City, Maryland | 2 | $ 805,000 | $ 402,500 | $ 163,000 |
| Montgomery, Maryland | 2 | $ 733,000 | $ 366,500 | $ 330,000 |
| Lewis, West Virginia | 2 | $ 355,000 | $ 177,500 | $ 68,000 |
| Brevard, Florida | 1 | $ 267,000 | $ 267,000 | $ 744,000 |
| Anne Arundel, Maryland | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Worcester, Maryland | 1 | $ 259,000 | $ 259,000 | $ 136,000 |
| Onondaga, New York | 1 | $ 40,000 | $ 40,000 | $ 66,000 |
| Bedford, Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 40,000 |
| Greene, Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 23,000 |
| Somerset, Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 36,000 |
| Washington, Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 43,000 |
| Beaufort, South Carolina | 1 | $ 212,000 | $ 212,000 | $ 91,000 |
| Horry, South Carolina | 1 | $ 365,000 | $ 365,000 | $ 222,000 |
| Frederick, Virginia | 1 | $ 3,000 | $ 3,000 | $ 51,000 |
| Shenandoah, Virginia | 1 | $ 7,000 | $ 7,000 | $ 90,000 |
| Winchester, Virginia | 1 | $ 1,196,000 | $ 1,196,000 | $ 0 |
| Doddridge, West Virginia | 1 | $ 143,000 | $ 143,000 | $ 82,000 |
| Randolph, West Virginia | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust in 2011
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 | $43,065,000 | $199,000 | $1,345,000 | $102,000 | $1,137,000 |
| Refinancing | 175 | $38,668,000 | $220,000 | $2,030,000 | $84,000 | $608,000 |
| Home Improvement | 167 | $3,626,000 | $21,000 | $435,000 | $53,000 | $365,000 |
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 | 486 | $65,438,000 | $134,000 | $2,030,000 | $79,000 | $861,000 |
| Not Provided | 44 | $10,807,000 | $245,000 | $1,000,000 | $144,000 | $1,137,000 |
| Not applicable | 14 | $8,113,000 | $579,000 | $1,250,000 | $0 | $0 |
| Black or African American | 10 | $600,000 | $60,000 | $293,000 | $69,000 | $176,000 |
| Asian | 3 | $361,000 | $120,000 | $183,000 | $49,000 | $73,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 532 | $81,604,000 | $153,000 | $2,030,000 | $83,000 | $1,137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,755,000 | $144,000 | $269,000 | $50,000 | $77,000 |
| 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 | 338 | $48,130,000 | $142,000 | $1,345,000 | $92,000 | $1,137,000 |
| Application Denied By Financial Institution | 162 | $28,391,000 | $175,000 | $2,030,000 | $62,000 | $312,000 |
| Application Approved But Not Accepted | 35 | $4,964,000 | $141,000 | $735,000 | $77,000 | $230,000 |
| Application Withdrawn By Applicant | 19 | $3,381,000 | $177,000 | $774,000 | $61,000 | $406,000 |
| File Closed For Incompleteness | 4 | $493,000 | $123,000 | $166,000 | $96,000 | $167,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First United Bank & Trust's 2011 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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