Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2015
In 2015, Mid-Atlantic FCU of Germantown, MD reported 296 mortgage applications totaling $102.4 million, up 279% from 2014. The average application was for $346,108, and applicants reported an average income of $345,851. 5% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Silver Spring-Frederick-Rockville, MD (109), Washington-Arlington-Alexandria, DC-VA-MD-WV (23) and Baltimore-Columbia-Towson, MD (7) (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 | 296 |
| Total Mortgage Loan Application Amount | $102,448,000 |
| Average Mortgage Loan Application Amount | $346,108 |
| Highest Mortgage Loan Application Amount | $1,460,000 |
| Average Applicant Income | $345,851 |
| Highest Applicant Income | $2,784,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 31,477,000 | $ 334,861 | $ 375,000 |
| Frederick, Maryland | 15 | $ 5,054,000 | $ 336,933 | $ 411,000 |
| District of Columbia, District Of Columbia | 9 | $ 2,347,000 | $ 260,777 | $ 221,000 |
| Prince George's, Maryland | 5 | $ 962,000 | $ 192,400 | $ 129,000 |
| Howard, Maryland | 4 | $ 1,627,000 | $ 406,750 | $ 801,000 |
| Fairfax, Virginia | 4 | $ 1,939,000 | $ 484,750 | $ 827,000 |
| Kern, California | 2 | $ 264,000 | $ 132,000 | $ 555,000 |
| New Castle, Delaware | 2 | $ 465,000 | $ 232,500 | $ 1,857,000 |
| Crenshaw, Alabama | 1 | $ 200,000 | $ 200,000 | $ 750,000 |
| Marin, California | 1 | $ 170,000 | $ 170,000 | $ 356,000 |
| Sussex, Delaware | 1 | $ 550,000 | $ 550,000 | $ 1,200,000 |
| Palm Beach, Florida | 1 | $ 80,000 | $ 80,000 | $ 100,000 |
| Pasco, Florida | 1 | $ 81,000 | $ 81,000 | $ 150,000 |
| Baltimore, Maryland | 1 | $ 222,000 | $ 222,000 | $ 101,000 |
| Baltimore City, Maryland | 1 | $ 42,000 | $ 42,000 | $ 85,000 |
| Carroll, Maryland | 1 | $ 219,000 | $ 219,000 | $ 118,000 |
| Washington, Maryland | 1 | $ 200,000 | $ 200,000 | $ 211,000 |
| Franklin, Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 78,000 |
| Berkeley, South Carolina | 1 | $ 277,000 | $ 277,000 | $ 156,000 |
| Harris, Texas | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Arlington, Virginia | 1 | $ 623,000 | $ 623,000 | $ 244,000 |
| Fredericksburg, Virginia | 1 | $ 248,000 | $ 248,000 | $ 114,000 |
| Henrico, Virginia | 1 | $ 83,000 | $ 83,000 | $ 114,000 |
| Loudoun, Virginia | 1 | $ 575,000 | $ 575,000 | $ 1,775,000 |
| Manassas Park, Virginia | 1 | $ 134,000 | $ 134,000 | $ 64,000 |
| Prince William, Virginia | 1 | $ 250,000 | $ 250,000 | $ 1,200,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU 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 | 189 | $69,745,000 | $369,000 | $1,350,000 | $356,000 | $2,750,000 |
| Refinancing | 81 | $26,841,000 | $331,000 | $1,460,000 | $360,000 | $2,784,000 |
| Home Improvement | 26 | $5,862,000 | $225,000 | $496,000 | $228,000 | $1,464,000 |
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 | 119 | $42,699,000 | $358,000 | $1,460,000 | $391,000 | $2,784,000 |
| Not Provided | 68 | $26,573,000 | $390,000 | $1,120,000 | $353,000 | $2,750,000 |
| Black or African American | 60 | $17,245,000 | $287,000 | $770,000 | $323,000 | $1,800,000 |
| Asian | 27 | $10,860,000 | $402,000 | $1,350,000 | $338,000 | $1,597,000 |
| Hispanic | 20 | $4,366,000 | $218,000 | $490,000 | $112,000 | $1,044,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $61,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $550,000 | $550,000 | $550,000 | $1,020,000 | $1,020,000 |
| 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) | 278 | $97,076,000 | $349,000 | $1,460,000 | $363,000 | $2,784,000 |
| FHA-insured (Federal Housing Administration) | 17 | $4,922,000 | $289,000 | $550,000 | $83,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 1 | $450,000 | $450,000 | $450,000 | $130,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 209 | $72,300,000 | $345,000 | $1,350,000 | $418,000 | $2,784,000 |
| Application Withdrawn By Applicant | 56 | $17,295,000 | $308,000 | $1,160,000 | $173,000 | $1,597,000 |
| Application Denied By Financial Institution | 16 | $3,989,000 | $249,000 | $496,000 | $108,000 | $225,000 |
| Loan Originated | 15 | $8,864,000 | $590,000 | $1,460,000 | $239,000 | $786,000 |
| 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 |
| Application Approved But Not Accepted | 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 | 6 | $1,555,000 | $259,000 | $476,000 | $89,000 | $187,000 |
| Collateral | 6 | $1,371,000 | $228,000 | $496,000 | $129,000 | $225,000 |
| Other | 2 | $260,000 | $130,000 | $180,000 | $92,000 | $100,000 |
| Credit History | 1 | $452,000 | $452,000 | $452,000 | $140,000 | $140,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU'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 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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