Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2009
In 2009, Mid-Atlantic FCU of Germantown, MD reported 310 mortgage applications totaling $94.8 million, down 4% from 2008. The average application was for $305,874, and applicants reported an average income of $176,648. 37% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bethesda-Frederick-Rockville, MD (164), Washington-Arlington-Alexandria, DC-VA-MD-WV (42) and Baltimore-Towson, MD (12) (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 | 310 |
| Total Mortgage Loan Application Amount | $94,821,000 |
| Average Mortgage Loan Application Amount | $305,874 |
| Highest Mortgage Loan Application Amount | $2,010,000 |
| Average Applicant Income | $176,648 |
| Highest Applicant Income | $2,601,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 143 | $ 49,923,000 | $ 349,111 | $ 209,000 |
| Frederick, Maryland | 21 | $ 4,140,000 | $ 197,142 | $ 100,000 |
| Prince George's, Maryland | 12 | $ 3,190,000 | $ 265,833 | $ 92,000 |
| District of Columbia, District Of Columbia | 9 | $ 3,385,000 | $ 376,111 | $ 114,000 |
| Loudoun, Virginia | 7 | $ 1,581,000 | $ 225,857 | $ 189,000 |
| Fairfax, Virginia | 6 | $ 2,535,000 | $ 422,500 | $ 298,000 |
| Howard, Maryland | 5 | $ 2,116,000 | $ 423,200 | $ 159,000 |
| Sussex, Delaware | 4 | $ 1,053,000 | $ 263,250 | $ 227,000 |
| Anne Arundel, Maryland | 3 | $ 508,000 | $ 169,333 | $ 322,000 |
| Baltimore, Maryland | 3 | $ 276,000 | $ 92,000 | $ 100,000 |
| Arlington, Virginia | 3 | $ 212,000 | $ 70,666 | $ 165,000 |
| Prince William, Virginia | 3 | $ 602,000 | $ 200,666 | $ 72,000 |
| Washington, Maryland | 2 | $ 575,000 | $ 287,500 | $ 199,000 |
| Adams, Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 90,000 |
| Maricopa, Arizona | 1 | $ 1,260,000 | $ 1,260,000 | $ 430,000 |
| Pima, Arizona | 1 | $ 328,000 | $ 328,000 | $ 148,000 |
| Sacramento, California | 1 | $ 151,000 | $ 151,000 | $ 84,000 |
| San Bernardino, California | 1 | $ 208,000 | $ 208,000 | $ 68,000 |
| Kent, Delaware | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Holmes, Florida | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Miami-Dade, Florida | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
| Osceola, Florida | 1 | $ 303,000 | $ 303,000 | $ 147,000 |
| Sarasota, Florida | 1 | $ 443,000 | $ 443,000 | $ 151,000 |
| Fayette, Georgia | 1 | $ 29,000 | $ 29,000 | $ 96,000 |
| Spalding, Georgia | 1 | $ 205,000 | $ 205,000 | $ 183,000 |
| Calvert, Maryland | 1 | $ 400,000 | $ 400,000 | $ 92,000 |
| Carroll, Maryland | 1 | $ 417,000 | $ 417,000 | $ 209,000 |
| Dorchester, Maryland | 1 | $ 372,000 | $ 372,000 | $ 260,000 |
| Worcester, Maryland | 1 | $ 350,000 | $ 350,000 | $ 107,000 |
| Essex, Massachusetts | 1 | $ 245,000 | $ 245,000 | $ 129,000 |
| Jackson, Missouri | 1 | $ 114,000 | $ 114,000 | $ 71,000 |
| Monmouth, New Jersey | 1 | $ 65,000 | $ 65,000 | $ 175,000 |
| New York, New York | 1 | $ 375,000 | $ 375,000 | $ 324,000 |
| Onondaga, New York | 1 | $ 36,000 | $ 36,000 | $ 104,000 |
| Union, North Carolina | 1 | $ 24,000 | $ 24,000 | $ 152,000 |
| Franklin, Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 130,000 |
| Montgomery, Pennsylvania | 1 | $ 47,000 | $ 47,000 | $ 119,000 |
| Schuylkill, Pennsylvania | 1 | $ 296,000 | $ 296,000 | $ 78,000 |
| Pickens, South Carolina | 1 | $ 114,000 | $ 114,000 | $ 146,000 |
| Washington, Tennessee | 1 | $ 66,000 | $ 66,000 | $ 226,000 |
| Collin, Texas | 1 | $ 492,000 | $ 492,000 | $ 336,000 |
| Summit, Utah | 1 | $ 476,000 | $ 476,000 | $ 901,000 |
| Gloucester, Virginia | 1 | $ 177,000 | $ 177,000 | $ 117,000 |
| James City, Virginia | 1 | $ 375,000 | $ 375,000 | $ 89,000 |
| Poquoson, Virginia | 1 | $ 415,000 | $ 415,000 | $ 151,000 |
| Spotsylvania, Virginia | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Virginia Beach, Virginia | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Berkeley, West Virginia | 1 | $ 61,000 | $ 61,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2009
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 | 153 | $49,655,000 | $324,000 | $1,727,000 | $176,000 | $2,601,000 |
| Home Purchase | 147 | $42,933,000 | $292,000 | $2,010,000 | $179,000 | $1,740,000 |
| Home Improvement | 10 | $2,233,000 | $223,000 | $1,021,000 | $152,000 | $335,000 |
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 | 194 | $59,931,000 | $308,000 | $2,010,000 | $197,000 | $2,601,000 |
| Asian | 47 | $16,775,000 | $356,000 | $1,800,000 | $174,000 | $800,000 |
| Black or African American | 33 | $7,669,000 | $232,000 | $691,000 | $105,000 | $215,000 |
| Not Provided | 21 | $6,771,000 | $322,000 | $985,000 | $132,000 | $450,000 |
| Hispanic | 13 | $3,209,000 | $246,000 | $512,000 | $126,000 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $466,000 | $233,000 | $414,000 | $282,000 | $298,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 276 | $85,228,000 | $308,000 | $2,010,000 | $188,000 | $2,601,000 |
| FHA-insured (Federal Housing Administration) | 34 | $9,593,000 | $282,000 | $668,000 | $83,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 178 | $51,472,000 | $289,000 | $2,000,000 | $159,000 | $2,601,000 |
| Loan Originated | 114 | $37,835,000 | $331,000 | $2,010,000 | $216,000 | $1,740,000 |
| Application Denied By Financial Institution | 17 | $5,104,000 | $300,000 | $720,000 | $112,000 | $197,000 |
| File Closed For Incompleteness | 1 | $410,000 | $410,000 | $410,000 | $103,000 | $103,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| 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 Mid-Atlantic FCU's 2009 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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