First United Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First United Bank & Trust of Oakland, MD reported 606 mortgage applications totaling $131.9 million, down 1% from 2014. The average application was for $217,709, and applicants reported an average income of $104,366. 61% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Hagerstown-Martinsburg, MD-WV (133), Morgantown, WV (105) and Cumberland, MD-WV (77) (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 | 606 |
| Total Mortgage Loan Application Amount | $131,932,000 |
| Average Mortgage Loan Application Amount | $217,709 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $104,366 |
| Highest Applicant Income | $2,735,000 |
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records First United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 156 | $ 34,703,000 | $ 222,455 | $ 150,000 |
| Berkeley, West Virginia | 69 | $ 5,808,000 | $ 84,173 | $ 78,000 |
| Monongalia, West Virginia | 65 | $ 22,613,000 | $ 347,892 | $ 107,000 |
| Washington, Maryland | 64 | $ 11,594,000 | $ 181,156 | $ 72,000 |
| Frederick, Maryland | 49 | $ 23,000,000 | $ 469,387 | $ 118,000 |
| Allegany, Maryland | 43 | $ 3,916,000 | $ 91,069 | $ 45,000 |
| Preston, West Virginia | 40 | $ 5,042,000 | $ 126,050 | $ 67,000 |
| Mineral, West Virginia | 34 | $ 2,601,000 | $ 76,500 | $ 56,000 |
| Marion, West Virginia | 9 | $ 2,095,000 | $ 232,777 | $ 48,000 |
| Hampshire, West Virginia | 8 | $ 853,000 | $ 106,625 | $ 78,000 |
| Fayette, Pennsylvania | 7 | $ 2,019,000 | $ 288,428 | $ 138,000 |
| Grant, West Virginia | 7 | $ 433,000 | $ 61,857 | $ 44,000 |
| Jefferson, West Virginia | 7 | $ 732,000 | $ 104,571 | $ 57,000 |
| Franklin, Pennsylvania | 5 | $ 1,078,000 | $ 215,600 | $ 122,000 |
| Frederick, Virginia | 5 | $ 1,973,000 | $ 394,600 | $ 211,000 |
| Loudoun, Virginia | 5 | $ 2,881,000 | $ 576,200 | $ 270,000 |
| Somerset, Pennsylvania | 4 | $ 598,000 | $ 149,500 | $ 128,000 |
| Tucker, West Virginia | 4 | $ 102,000 | $ 25,500 | $ 37,000 |
| Carroll, Maryland | 2 | $ 317,000 | $ 158,500 | $ 79,000 |
| Montgomery, Maryland | 2 | $ 1,663,000 | $ 831,500 | $ 253,000 |
| Adams, Pennsylvania | 2 | $ 234,000 | $ 117,000 | $ 21,000 |
| Greene, Pennsylvania | 2 | $ 414,000 | $ 207,000 | $ 79,000 |
| Harrison, West Virginia | 2 | $ 651,000 | $ 325,500 | $ 0 |
| Broward, Florida | 1 | $ 1,757,000 | $ 1,757,000 | $ 1,293,000 |
| Prince George's, Maryland | 1 | $ 227,000 | $ 227,000 | $ 52,000 |
| Durham, North Carolina | 1 | $ 277,000 | $ 277,000 | $ 94,000 |
| Allegheny, Pennsylvania | 1 | $ 900,000 | $ 900,000 | $ 445,000 |
| Bedford, Pennsylvania | 1 | $ 297,000 | $ 297,000 | $ 71,000 |
| Crawford, Pennsylvania | 1 | $ 520,000 | $ 520,000 | $ 132,000 |
| Cumberland, Pennsylvania | 1 | $ 606,000 | $ 606,000 | $ 124,000 |
| Fairfax, Virginia | 1 | $ 625,000 | $ 625,000 | $ 225,000 |
| Whatcom, Washington | 1 | $ 829,000 | $ 829,000 | $ 301,000 |
| Barbour, West Virginia | 1 | $ 107,000 | $ 107,000 | $ 59,000 |
| Morgan, West Virginia | 1 | $ 112,000 | $ 112,000 | $ 202,000 |
| Ohio, West Virginia | 1 | $ 130,000 | $ 130,000 | $ 64,000 |
| Randolph, West Virginia | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Taylor, West Virginia | 1 | $ 121,000 | $ 121,000 | $ 52,000 |
| Wetzel, West Virginia | 1 | $ 99,000 | $ 99,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust in 2015
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 | 338 | $101,656,000 | $300,000 | $9,000,000 | $123,000 | $1,670,000 |
| Home Improvement | 147 | $4,525,000 | $30,000 | $825,000 | $61,000 | $546,000 |
| Refinancing | 121 | $25,751,000 | $212,000 | $1,068,000 | $105,000 | $2,735,000 |
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 | 524 | $94,278,000 | $179,000 | $1,757,000 | $103,000 | $2,735,000 |
| Not Provided | 35 | $11,620,000 | $332,000 | $1,325,000 | $205,000 | $1,670,000 |
| Not applicable | 23 | $21,723,000 | $944,000 | $9,000,000 | $0 | $0 |
| Black or African American | 11 | $1,792,000 | $162,000 | $648,000 | $84,000 | $328,000 |
| Hispanic | 5 | $1,329,000 | $265,000 | $825,000 | $167,000 | $546,000 |
| Asian | 5 | $869,000 | $173,000 | $231,000 | $81,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $321,000 | $107,000 | $164,000 | $28,000 | $54,000 |
| 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) | 592 | $130,584,000 | $220,000 | $9,000,000 | $106,000 | $2,735,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,348,000 | $96,000 | $175,000 | $49,000 | $128,000 |
| 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 | 372 | $85,100,000 | $228,000 | $9,000,000 | $116,000 | $2,735,000 |
| Application Denied By Financial Institution | 155 | $26,740,000 | $172,000 | $1,508,000 | $70,000 | $467,000 |
| Application Approved But Not Accepted | 51 | $10,444,000 | $204,000 | $1,000,000 | $114,000 | $856,000 |
| Application Withdrawn By Applicant | 21 | $8,477,000 | $403,000 | $2,600,000 | $135,000 | $580,000 |
| File Closed For Incompleteness | 5 | $1,108,000 | $221,000 | $782,000 | $78,000 | $202,000 |
| Loan Purchased By The Institution | 2 | $63,000 | $31,000 | $40,000 | $93,000 | $152,000 |
| 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 2015 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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