Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2003
In 2003, Mid-Atlantic FCU of Germantown, MD reported 677 mortgage applications totaling $135.2 million. The average application was for $199,701, and applicants reported an average income of $97,324. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Baltimore, MD (41), Washington, DC-MD-VA-WV (12) and Atlanta, GA (5) (applications in parentheses).
| Mortgage Company & Address | Mid-Atlantic FCU 12820 Wisteria Drive Germantown, MD 20874 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 | 677 |
| Total Mortgage Loan Application Amount | $135,198,000 |
| Average Mortgage Loan Application Amount | $199,701 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $97,324 |
| Highest Applicant Income | $790,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Maryland | 366 | $ 73,138,000 | $ 199,830 | $ 95,000 |
| Frederick, Maryland | 80 | $ 15,616,000 | $ 195,200 | $ 91,000 |
| Fairfax, Virginia | 29 | $ 5,828,000 | $ 200,965 | $ 112,000 |
| Prince George's, Maryland | 23 | $ 4,049,000 | $ 176,043 | $ 78,000 |
| Howard, Maryland | 15 | $ 3,497,000 | $ 233,133 | $ 130,000 |
| District of Columbia, District Of Columbia | 12 | $ 2,795,000 | $ 232,916 | $ 155,000 |
| Carroll, Maryland | 11 | $ 2,139,000 | $ 194,454 | $ 84,000 |
| Loudoun, Virginia | 11 | $ 3,150,000 | $ 286,363 | $ 109,000 |
| Sussex, Delaware | 9 | $ 1,518,000 | $ 168,666 | $ 98,000 |
| Anne Arundel, Maryland | 8 | $ 1,877,000 | $ 234,625 | $ 140,000 |
| Arlington, Virginia | 4 | $ 739,000 | $ 184,750 | $ 111,000 |
| Prince William, Virginia | 4 | $ 966,000 | $ 241,500 | $ 97,000 |
| Berkeley, West Virginia | 4 | $ 402,000 | $ 100,500 | $ 58,000 |
| Fulton, Georgia | 3 | $ 1,025,000 | $ 341,666 | $ 151,000 |
| Baltimore, Maryland | 3 | $ 602,000 | $ 200,666 | $ 74,000 |
| Calvert, Maryland | 3 | $ 357,000 | $ 119,000 | $ 121,000 |
| Washington, Maryland | 3 | $ 211,000 | $ 70,333 | $ 95,000 |
| Baltimore City, Maryland | 2 | $ 140,000 | $ 70,000 | $ 20,000 |
| Worcester, Maryland | 2 | $ 123,000 | $ 61,500 | $ 114,000 |
| Fauquier, Virginia | 2 | $ 308,000 | $ 154,000 | $ 109,000 |
| Franklin, Virginia | 2 | $ 204,000 | $ 102,000 | $ 100,000 |
| Manassas Park, Virginia | 2 | $ 477,000 | $ 238,500 | $ 79,000 |
| Northumberland, Virginia | 2 | $ 385,000 | $ 192,500 | $ 104,000 |
| Spotsylvania, Virginia | 2 | $ 466,000 | $ 233,000 | $ 95,000 |
| Maricopa, Arizona | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| Los Angeles, California | 1 | $ 427,000 | $ 427,000 | $ 114,000 |
| El Paso, Colorado | 1 | $ 246,000 | $ 246,000 | $ 84,000 |
| Brevard, Florida | 1 | $ 211,000 | $ 211,000 | $ 131,000 |
| Collier, Florida | 1 | $ 139,000 | $ 139,000 | $ 39,000 |
| Hillsborough, Florida | 1 | $ 131,000 | $ 131,000 | $ 104,000 |
| Manatee, Florida | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Martin, Florida | 1 | $ 68,000 | $ 68,000 | $ 124,000 |
| Polk, Florida | 1 | $ 131,000 | $ 131,000 | $ 103,000 |
| Chatham, Georgia | 1 | $ 210,000 | $ 210,000 | $ 141,000 |
| Cobb, Georgia | 1 | $ 158,000 | $ 158,000 | $ 92,000 |
| DeKalb, Georgia | 1 | $ 88,000 | $ 88,000 | $ 113,000 |
| Dorchester, Maryland | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Harford, Maryland | 1 | $ 292,000 | $ 292,000 | $ 72,000 |
| Queen Anne's, Maryland | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
| St. Mary's, Maryland | 1 | $ 212,000 | $ 212,000 | $ 150,000 |
| Norfolk, Massachusetts | 1 | $ 296,000 | $ 296,000 | $ 48,000 |
| Plymouth, Massachusetts | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Somerset, New Jersey | 1 | $ 309,000 | $ 309,000 | $ 132,000 |
| Franklin, New York | 1 | $ 65,000 | $ 65,000 | $ 187,000 |
| Suffolk, New York | 1 | $ 279,000 | $ 279,000 | $ 138,000 |
| Craven, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| Durham, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 117,000 |
| Mecklenburg, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 70,000 |
| Moore, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Union, North Carolina | 1 | $ 233,000 | $ 233,000 | $ 128,000 |
| Allegheny, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Berks, Pennsylvania | 1 | $ 272,000 | $ 272,000 | $ 81,000 |
| Bucks, Pennsylvania | 1 | $ 101,000 | $ 101,000 | $ 46,000 |
| Montgomery, Pennsylvania | 1 | $ 289,000 | $ 289,000 | $ 86,000 |
| Washington, Pennsylvania | 1 | $ 277,000 | $ 277,000 | $ 106,000 |
| Westmoreland, Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 92,000 |
| Newport, Rhode Island | 1 | $ 323,000 | $ 323,000 | $ 119,000 |
| Horry, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 46,000 |
| Alexandria, Virginia | 1 | $ 208,000 | $ 208,000 | $ 218,000 |
| Fluvanna, Virginia | 1 | $ 192,000 | $ 192,000 | $ 215,000 |
| Westmoreland, Virginia | 1 | $ 265,000 | $ 265,000 | $ 74,000 |
| York, Virginia | 1 | $ 290,000 | $ 290,000 | $ 130,000 |
| Jefferson, West Virginia | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Taylor, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 593 | $117,313,000 | $216,625 | $675,000 | $101,562 | $790,000 |
| Home Purchase (one-to-four family) | 83 | $17,835,000 | $190,000 | $680,000 | $84,833 | $181,000 |
| Home Improvement (one-to-four family) | 1 | $50,000 | $50,000 | $50,000 | $64,000 | $64,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 448 | $89,193,000 | $204,882 | $675,000 | $103,705 | $790,000 |
| Information not provided by applicant in mail or telephone application | 86 | $17,219,000 | $189,555 | $680,000 | $91,666 | $263,000 |
| Black | 79 | $15,575,000 | $207,200 | $500,000 | $114,400 | $355,000 |
| Asian or Pacific Islander | 63 | $13,103,000 | $206,833 | $387,000 | $77,166 | $235,000 |
| American Indian or Alaskan Native | 1 | $108,000 | $108,000 | $108,000 | $123,000 | $123,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 677 | $135,198,000 | $212,388 | $680,000 | $96,833 | $790,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 530 | $104,581,000 | $199,733 | $620,000 | $101,066 | $790,000 |
| Application Withdrawn By Applicant | 115 | $23,362,000 | $176,600 | $680,000 | $82,500 | $414,000 |
| Application Denied By Financial Institution | 32 | $7,255,000 | $291,625 | $675,000 | $125,875 | $355,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $859,000 | $145,500 | $251,000 | $59,000 | $106,000 |
| Debt-To-Income Ratio | 4 | $1,046,000 | $316,500 | $427,000 | $98,500 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $194,000 | $194,000 | $194,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU's 2003 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 Mid-Atlantic FCU'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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