Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2006
In 2006, Mid-Atlantic FCU of Germantown, MD reported 247 mortgage applications totaling $49.9 million, down 15% from 2005. The average application was for $201,963, and applicants reported an average income of $104,708. 50% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Bethesda-Gaithersburg-Frederick, MD (130), Washington-Arlington-Alexandria, DC-VA-MD-WV (17) and Baltimore-Towson, MD (16) (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 | 247 |
| Total Mortgage Loan Application Amount | $49,885,000 |
| Average Mortgage Loan Application Amount | $201,963 |
| Highest Mortgage Loan Application Amount | $2,030,000 |
| Average Applicant Income | $104,708 |
| Highest Applicant Income | $522,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 110 | $ 16,004,000 | $ 145,490 | $ 102,000 |
| Frederick, Maryland | 20 | $ 2,915,000 | $ 145,750 | $ 103,000 |
| Prince George's, Maryland | 9 | $ 1,918,000 | $ 213,111 | $ 103,000 |
| Baltimore City, Maryland | 6 | $ 864,000 | $ 144,000 | $ 69,000 |
| Fairfax, Virginia | 5 | $ 882,000 | $ 176,400 | $ 137,000 |
| Baltimore, Maryland | 4 | $ 336,000 | $ 84,000 | $ 84,000 |
| Howard, Maryland | 4 | $ 763,000 | $ 190,750 | $ 133,000 |
| Washington, Maryland | 4 | $ 767,000 | $ 191,750 | $ 75,000 |
| Los Angeles, California | 2 | $ 3,915,000 | $ 1,957,500 | $ 516,000 |
| Anne Arundel, Maryland | 2 | $ 130,000 | $ 65,000 | $ 142,000 |
| Adams, Pennsylvania | 2 | $ 347,000 | $ 173,500 | $ 68,000 |
| Maricopa, Arizona | 1 | $ 198,000 | $ 198,000 | $ 67,000 |
| Broward, Florida | 1 | $ 270,000 | $ 270,000 | $ 115,000 |
| Leon, Florida | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Chatham, Georgia | 1 | $ 15,000 | $ 15,000 | $ 118,000 |
| Cobb, Georgia | 1 | $ 140,000 | $ 140,000 | $ 173,000 |
| Gwinnett, Georgia | 1 | $ 20,000 | $ 20,000 | $ 107,000 |
| St. Tammany, Louisiana | 1 | $ 310,000 | $ 310,000 | $ 72,000 |
| Calvert, Maryland | 1 | $ 100,000 | $ 100,000 | $ 184,000 |
| Franklin, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| York, Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Beaufort, South Carolina | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Davidson, Tennessee | 1 | $ 16,000 | $ 16,000 | $ 75,000 |
| Denton, Texas | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Arlington, Virginia | 1 | $ 776,000 | $ 776,000 | $ 300,000 |
| Fluvanna, Virginia | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Loudoun, Virginia | 1 | $ 50,000 | $ 50,000 | $ 172,000 |
| Raleigh, West Virginia | 1 | $ 140,000 | $ 140,000 | $ 145,000 |
| Richland, Wisconsin | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2006
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 Improvement | 112 | $8,678,000 | $77,000 | $364,000 | $108,000 | $290,000 |
| Home Purchase | 78 | $26,399,000 | $338,000 | $2,030,000 | $110,000 | $522,000 |
| Refinancing | 57 | $14,808,000 | $259,000 | $630,000 | $91,000 | $250,000 |
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 | 161 | $29,710,000 | $184,000 | $2,030,000 | $111,000 | $522,000 |
| Black or African American | 53 | $12,695,000 | $239,000 | $776,000 | $86,000 | $300,000 |
| Asian | 12 | $3,803,000 | $316,000 | $875,000 | $129,000 | $331,000 |
| Hispanic | 10 | $2,533,000 | $253,000 | $480,000 | $72,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $336,000 | $56,000 | $100,000 | $112,000 | $275,000 |
| Not Provided | 4 | $775,000 | $193,000 | $270,000 | $113,000 | $145,000 |
| American Indian or Alaskan Native | 1 | $33,000 | $33,000 | $33,000 | $53,000 | $53,000 |
| Not applicable | 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) | 247 | $49,885,000 | $201,000 | $2,030,000 | $105,000 | $522,000 |
| 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 | 123 | $10,575,000 | $85,000 | $417,000 | $106,000 | $290,000 |
| Application Withdrawn By Applicant | 81 | $26,759,000 | $330,000 | $2,030,000 | $113,000 | $522,000 |
| Application Denied By Financial Institution | 43 | $12,551,000 | $291,000 | $700,000 | $86,000 | $271,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 18 | $5,297,000 | $294,000 | $700,000 | $76,000 | $173,000 |
| Credit History | 12 | $3,940,000 | $328,000 | $631,000 | $98,000 | $271,000 |
| Other | 3 | $971,000 | $323,000 | $385,000 | $152,000 | $250,000 |
| Mortgage Insurance Denied | 1 | $320,000 | $320,000 | $320,000 | $95,000 | $95,000 |
| Unverifiable Information | 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 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About