Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2013
In 2013, Mid-Atlantic FCU of Germantown, MD reported 84 mortgage applications totaling $22.6 million, down 37% from 2012. The average application was for $269,273, and applicants reported an average income of $192,892. 43% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Bethesda-Rockville-Frederick, MD (51), Washington-Arlington-Alexandria, DC-VA-MD-WV (16) and Baltimore-Towson, MD (6) (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 | 84 |
| Total Mortgage Loan Application Amount | $22,619,000 |
| Average Mortgage Loan Application Amount | $269,273 |
| Highest Mortgage Loan Application Amount | $1,358,000 |
| Average Applicant Income | $192,892 |
| Highest Applicant Income | $847,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 48 | $ 13,095,000 | $ 272,812 | $ 204,000 |
| District of Columbia, District Of Columbia | 8 | $ 1,715,000 | $ 214,375 | $ 188,000 |
| Howard, Maryland | 6 | $ 2,082,000 | $ 347,000 | $ 196,000 |
| Frederick, Maryland | 3 | $ 542,000 | $ 180,666 | $ 100,000 |
| Prince George's, Maryland | 2 | $ 169,000 | $ 84,500 | $ 101,000 |
| Fairfax, Virginia | 2 | $ 567,000 | $ 283,500 | $ 121,000 |
| Loudoun, Virginia | 2 | $ 554,000 | $ 277,000 | $ 245,000 |
| Maricopa, Arizona | 1 | $ 264,000 | $ 264,000 | $ 72,000 |
| Sussex, Delaware | 1 | $ 417,000 | $ 417,000 | $ 187,000 |
| Manatee, Florida | 1 | $ 24,000 | $ 24,000 | $ 198,000 |
| Cobb, Georgia | 1 | $ 417,000 | $ 417,000 | $ 318,000 |
| Charles, Maryland | 1 | $ 626,000 | $ 626,000 | $ 158,000 |
| Talbot, Maryland | 1 | $ 230,000 | $ 230,000 | $ 138,000 |
| Worcester, Maryland | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Burlington, New Jersey | 1 | $ 24,000 | $ 24,000 | $ 132,000 |
| Fort Bend, Texas | 1 | $ 138,000 | $ 138,000 | $ 144,000 |
| Arlington, Virginia | 1 | $ 50,000 | $ 50,000 | $ 326,000 |
| Morgan, West Virginia | 1 | $ 205,000 | $ 205,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU 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 | 45 | $10,585,000 | $235,000 | $1,358,000 | $224,000 | $847,000 |
| Refinancing | 39 | $12,034,000 | $308,000 | $984,000 | $157,000 | $629,000 |
| Home Improvement | 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 | 57 | $15,420,000 | $270,000 | $1,358,000 | $216,000 | $847,000 |
| Asian | 10 | $2,964,000 | $296,000 | $984,000 | $152,000 | $319,000 |
| Not Provided | 9 | $2,655,000 | $295,000 | $500,000 | $143,000 | $290,000 |
| Black or African American | 8 | $1,580,000 | $197,000 | $417,000 | $139,000 | $345,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 84 | $22,619,000 | $269,000 | $1,358,000 | $193,000 | $847,000 |
| 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 | 36 | $7,522,000 | $208,000 | $984,000 | $215,000 | $629,000 |
| Application Withdrawn By Applicant | 30 | $8,914,000 | $297,000 | $1,358,000 | $197,000 | $847,000 |
| Application Denied By Financial Institution | 18 | $6,183,000 | $343,000 | $1,160,000 | $143,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $3,418,000 | $310,000 | $626,000 | $128,000 | $245,000 |
| Debt-To-Income Ratio | 2 | $764,000 | $382,000 | $626,000 | $120,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $64,000 | $64,000 |
| Other | 1 | $215,000 | $215,000 | $215,000 | $47,000 | $47,000 |
| Unverifiable Information | 1 | $409,000 | $409,000 | $409,000 | $145,000 | $145,000 |
| Credit History | 1 | $112,000 | $112,000 | $112,000 | $168,000 | $168,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 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 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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