First United Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, First United Bank & Trust of Oakland, MD reported 748 mortgage applications totaling $128.3 million, down 12% from 2012. The average application was for $171,546, and applicants reported an average income of $96,863. 55% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Hagerstown-Martinsburg, MD-WV (144), Cumberland, MD-WV (127) and Morgantown, WV (108) (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 | 748 |
| Total Mortgage Loan Application Amount | $128,317,000 |
| Average Mortgage Loan Application Amount | $171,546 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $96,863 |
| Highest Applicant Income | $3,455,000 |
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records First United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 174 | $ 30,785,000 | $ 176,925 | $ 121,000 |
| Berkeley, West Virginia | 91 | $ 9,904,000 | $ 108,835 | $ 69,000 |
| Monongalia, West Virginia | 67 | $ 14,339,000 | $ 214,014 | $ 113,000 |
| Allegany, Maryland | 66 | $ 5,916,000 | $ 89,636 | $ 59,000 |
| Mineral, West Virginia | 61 | $ 7,990,000 | $ 130,983 | $ 57,000 |
| Frederick, Maryland | 60 | $ 15,707,000 | $ 261,783 | $ 113,000 |
| Washington, Maryland | 47 | $ 9,693,000 | $ 206,234 | $ 83,000 |
| Preston, West Virginia | 41 | $ 4,703,000 | $ 114,707 | $ 78,000 |
| Marion, West Virginia | 27 | $ 3,899,000 | $ 144,407 | $ 64,000 |
| Harrison, West Virginia | 18 | $ 7,302,000 | $ 405,666 | $ 136,000 |
| Hampshire, West Virginia | 12 | $ 875,000 | $ 72,916 | $ 49,000 |
| Grant, West Virginia | 10 | $ 1,264,000 | $ 126,400 | $ 46,000 |
| Jefferson, West Virginia | 9 | $ 1,844,000 | $ 204,888 | $ 101,000 |
| Somerset, Pennsylvania | 7 | $ 814,000 | $ 116,285 | $ 58,000 |
| Morgan, West Virginia | 6 | $ 812,000 | $ 135,333 | $ 76,000 |
| Franklin, Pennsylvania | 5 | $ 1,279,000 | $ 255,800 | $ 176,000 |
| Hardy, West Virginia | 5 | $ 484,000 | $ 96,800 | $ 51,000 |
| Taylor, West Virginia | 4 | $ 463,000 | $ 115,750 | $ 65,000 |
| Tucker, West Virginia | 3 | $ 474,000 | $ 158,000 | $ 96,000 |
| Bedford, Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 45,000 |
| Fayette, Pennsylvania | 2 | $ 241,000 | $ 120,500 | $ 74,000 |
| Fairfax, Virginia | 2 | $ 826,000 | $ 413,000 | $ 387,000 |
| Prince William, Virginia | 2 | $ 475,000 | $ 237,500 | $ 142,000 |
| Pendleton, West Virginia | 2 | $ 95,000 | $ 47,500 | $ 44,000 |
| Upshur, West Virginia | 2 | $ 419,000 | $ 209,500 | $ 82,000 |
| Sussex, Delaware | 1 | $ 285,000 | $ 285,000 | $ 200,000 |
| Anne Arundel, Maryland | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Baltimore, Maryland | 1 | $ 398,000 | $ 398,000 | $ 118,000 |
| Baltimore City, Maryland | 1 | $ 100,000 | $ 100,000 | $ 225,000 |
| Carroll, Maryland | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| Montgomery, Maryland | 1 | $ 525,000 | $ 525,000 | $ 149,000 |
| Somerset, Maryland | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Worcester, Maryland | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Cape May, New Jersey | 1 | $ 2,475,000 | $ 2,475,000 | $ 3,455,000 |
| Buncombe, North Carolina | 1 | $ 160,000 | $ 160,000 | $ 309,000 |
| Wake, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Belmont, Ohio | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
| Adams, Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 74,000 |
| Greene, Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Horry, South Carolina | 1 | $ 346,000 | $ 346,000 | $ 126,000 |
| Botetourt, Virginia | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Frederick, Virginia | 1 | $ 3,000 | $ 3,000 | $ 60,000 |
| Loudoun, Virginia | 1 | $ 832,000 | $ 832,000 | $ 460,000 |
| Winchester, Virginia | 1 | $ 185,000 | $ 185,000 | $ 28,000 |
| Calhoun, West Virginia | 1 | $ 2,000 | $ 2,000 | $ 14,000 |
| Kanawha, West Virginia | 1 | $ 592,000 | $ 592,000 | $ 0 |
| Randolph, West Virginia | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Wetzel, West Virginia | 1 | $ 143,000 | $ 143,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust in 2013
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 | 289 | $64,923,000 | $224,000 | $3,100,000 | $122,000 | $3,455,000 |
| Refinancing | 289 | $53,745,000 | $185,000 | $1,006,000 | $94,000 | $1,350,000 |
| Home Improvement | 170 | $9,649,000 | $56,000 | $630,000 | $59,000 | $426,000 |
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 | 566 | $86,887,000 | $153,000 | $2,475,000 | $91,000 | $3,455,000 |
| Not applicable | 82 | $22,518,000 | $274,000 | $3,100,000 | $70,000 | $1,033,000 |
| Not Provided | 81 | $16,136,000 | $199,000 | $900,000 | $148,000 | $1,404,000 |
| Black or African American | 12 | $1,111,000 | $92,000 | $467,000 | $165,000 | $1,350,000 |
| Hispanic | 5 | $1,235,000 | $247,000 | $683,000 | $164,000 | $384,000 |
| Asian | 2 | $430,000 | $215,000 | $280,000 | $74,000 | $76,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 728 | $125,799,000 | $172,000 | $3,100,000 | $98,000 | $3,455,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,518,000 | $125,000 | $255,000 | $46,000 | $92,000 |
| 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 | 410 | $68,867,000 | $167,000 | $2,475,000 | $115,000 | $3,455,000 |
| Application Denied By Financial Institution | 192 | $25,633,000 | $133,000 | $690,000 | $66,000 | $384,000 |
| Application Approved But Not Accepted | 62 | $14,016,000 | $226,000 | $1,190,000 | $80,000 | $454,000 |
| Loan Purchased By The Institution | 50 | $8,523,000 | $170,000 | $755,000 | $115,000 | $1,033,000 |
| Application Withdrawn By Applicant | 27 | $10,349,000 | $383,000 | $3,100,000 | $51,000 | $282,000 |
| File Closed For Incompleteness | 7 | $929,000 | $132,000 | $195,000 | $57,000 | $100,000 |
| 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 2013 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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