First United Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, First United Bank & Trust of Oakland, MD reported 851 mortgage applications totaling $141.8 million, up 53% from 2011. The average application was for $166,594, and applicants reported an average income of $88,237. 53% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Cumberland, MD-WV (197), Hagerstown-Martinsburg, MD-WV (155) and Morgantown, WV (92) (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 | 851 |
| Total Mortgage Loan Application Amount | $141,772,000 |
| Average Mortgage Loan Application Amount | $166,594 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $88,237 |
| Highest Applicant Income | $4,119,000 |
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records First United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 227 | $ 38,902,000 | $ 171,374 | $ 118,000 |
| Allegany, Maryland | 108 | $ 9,771,000 | $ 90,472 | $ 58,000 |
| Berkeley, West Virginia | 103 | $ 14,171,000 | $ 137,582 | $ 64,000 |
| Mineral, West Virginia | 89 | $ 12,784,000 | $ 143,640 | $ 87,000 |
| Monongalia, West Virginia | 59 | $ 16,396,000 | $ 277,898 | $ 96,000 |
| Frederick, Maryland | 53 | $ 11,117,000 | $ 209,754 | $ 84,000 |
| Washington, Maryland | 49 | $ 9,281,000 | $ 189,408 | $ 72,000 |
| Preston, West Virginia | 33 | $ 3,098,000 | $ 93,878 | $ 67,000 |
| Hardy, West Virginia | 19 | $ 2,227,000 | $ 117,210 | $ 70,000 |
| Hampshire, West Virginia | 14 | $ 2,467,000 | $ 176,214 | $ 96,000 |
| Franklin, Pennsylvania | 11 | $ 2,101,000 | $ 191,000 | $ 86,000 |
| Marion, West Virginia | 9 | $ 2,804,000 | $ 311,555 | $ 50,000 |
| Fayette, Pennsylvania | 8 | $ 502,000 | $ 62,750 | $ 54,000 |
| Somerset, Pennsylvania | 7 | $ 385,000 | $ 55,000 | $ 55,000 |
| Bedford, Pennsylvania | 5 | $ 341,000 | $ 68,200 | $ 130,000 |
| Carroll, Maryland | 4 | $ 2,604,000 | $ 651,000 | $ 69,000 |
| Montgomery, Maryland | 4 | $ 2,103,000 | $ 525,750 | $ 267,000 |
| Grant, West Virginia | 4 | $ 360,000 | $ 90,000 | $ 49,000 |
| Harrison, West Virginia | 4 | $ 478,000 | $ 119,500 | $ 68,000 |
| Taylor, West Virginia | 4 | $ 458,000 | $ 114,500 | $ 67,000 |
| Baltimore, Maryland | 3 | $ 2,522,000 | $ 840,666 | $ 231,000 |
| Jefferson, West Virginia | 3 | $ 382,000 | $ 127,333 | $ 74,000 |
| Morgan, West Virginia | 3 | $ 215,000 | $ 71,666 | $ 54,000 |
| Tucker, West Virginia | 3 | $ 270,000 | $ 90,000 | $ 70,000 |
| Sussex, Delaware | 2 | $ 324,000 | $ 162,000 | $ 89,000 |
| Greene, Pennsylvania | 2 | $ 332,000 | $ 166,000 | $ 68,000 |
| Loudoun, Virginia | 2 | $ 673,000 | $ 336,500 | $ 182,000 |
| Pendleton, West Virginia | 2 | $ 262,000 | $ 131,000 | $ 73,000 |
| Randolph, West Virginia | 2 | $ 83,000 | $ 41,500 | $ 39,000 |
| Baltimore City, Maryland | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| Brunswick, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 250,000 |
| Guilford, North Carolina | 1 | $ 986,000 | $ 986,000 | $ 604,000 |
| Harnett, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 108,000 |
| Fulton, Pennsylvania | 1 | $ 221,000 | $ 221,000 | $ 63,000 |
| Arlington, Virginia | 1 | $ 364,000 | $ 364,000 | $ 313,000 |
| Frederick, Virginia | 1 | $ 168,000 | $ 168,000 | $ 161,000 |
| Prince William, Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Shenandoah, Virginia | 1 | $ 3,000 | $ 3,000 | $ 96,000 |
| Whatcom, Washington | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| Gilmer, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Greenbrier, West Virginia | 1 | $ 1,120,000 | $ 1,120,000 | $ 0 |
| Lewis, West Virginia | 1 | $ 230,000 | $ 230,000 | $ 67,000 |
| Marshall, West Virginia | 1 | $ 200,000 | $ 200,000 | $ 125,000 |
| Upshur, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust in 2012
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 | 329 | $56,765,000 | $172,000 | $2,945,000 | $105,000 | $4,119,000 |
| Refinancing | 327 | $74,743,000 | $228,000 | $4,100,000 | $90,000 | $809,000 |
| Home Improvement | 195 | $10,264,000 | $52,000 | $1,844,000 | $57,000 | $427,000 |
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 | 665 | $102,861,000 | $154,000 | $2,000,000 | $91,000 | $4,119,000 |
| Not applicable | 97 | $24,509,000 | $252,000 | $4,100,000 | $50,000 | $270,000 |
| Not Provided | 68 | $11,132,000 | $163,000 | $1,144,000 | $108,000 | $648,000 |
| Black or African American | 7 | $706,000 | $100,000 | $458,000 | $104,000 | $371,000 |
| Hispanic | 6 | $1,213,000 | $202,000 | $416,000 | $91,000 | $179,000 |
| Asian | 5 | $974,000 | $194,000 | $255,000 | $178,000 | $270,000 |
| American Indian or Alaskan Native | 3 | $377,000 | $125,000 | $200,000 | $48,000 | $66,000 |
| 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) | 798 | $135,897,000 | $170,000 | $4,100,000 | $91,000 | $4,119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $5,875,000 | $110,000 | $230,000 | $48,000 | $107,000 |
| 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 | 455 | $78,391,000 | $172,000 | $1,910,000 | $100,000 | $4,119,000 |
| Application Denied By Financial Institution | 201 | $28,317,000 | $140,000 | $2,000,000 | $66,000 | $809,000 |
| Application Approved But Not Accepted | 72 | $10,964,000 | $152,000 | $855,000 | $79,000 | $347,000 |
| Loan Purchased By The Institution | 68 | $5,607,000 | $82,000 | $607,000 | $72,000 | $270,000 |
| Application Withdrawn By Applicant | 47 | $17,188,000 | $365,000 | $4,100,000 | $116,000 | $1,800,000 |
| File Closed For Incompleteness | 8 | $1,305,000 | $163,000 | $429,000 | $82,000 | $170,000 |
| 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 2012 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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