Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2020
In 2020, Mid-Atlantic FCU of Germantown, MD reported 375 mortgage applications totaling $106.5 million, up 125% from 2019. The average application was for $283,933, and applicants reported an average income of $153,498. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (272), Washington-Arlington-Alexandria, DC-VA-MD-WV (40) and Baltimore-Columbia-Towson, MD (24) (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 | 375 |
| Total Mortgage Loan Application Amount | $106,475,000 |
| Average Mortgage Loan Application Amount | $283,933 |
| Highest Mortgage Loan Application Amount | $2,145,000 |
| Average Applicant Income | $153,498 |
| Highest Applicant Income | $936,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 231 | $ 66,585,000 | $ 288,246 | $ 155,000 |
| Frederick, Maryland | 41 | $ 10,815,000 | $ 263,780 | $ 128,000 |
| Prince George's, Maryland | 15 | $ 3,285,000 | $ 219,000 | $ 119,000 |
| Howard, Maryland | 11 | $ 3,225,000 | $ 293,181 | $ 154,000 |
| Anne Arundel, Maryland | 8 | $ 2,650,000 | $ 331,250 | $ 188,000 |
| Fairfax, Virginia | 7 | $ 2,295,000 | $ 327,857 | $ 127,000 |
| Loudoun, Virginia | 6 | $ 2,300,000 | $ 383,333 | $ 151,000 |
| District of Columbia, District Of Columbia | 5 | $ 1,815,000 | $ 363,000 | $ 157,000 |
| Sussex, Delaware | 3 | $ 775,000 | $ 258,333 | $ 197,000 |
| Washington, Maryland | 3 | $ 375,000 | $ 125,000 | $ 107,000 |
| Prince William, Virginia | 3 | $ 825,000 | $ 275,000 | $ 174,000 |
| Baltimore City, Maryland | 2 | $ 340,000 | $ 170,000 | $ 284,000 |
| Carroll, Maryland | 2 | $ 720,000 | $ 360,000 | $ 126,000 |
| Cuyahoga, Ohio | 2 | $ 370,000 | $ 185,000 | $ 112,000 |
| Allegheny, Pennsylvania | 2 | $ 560,000 | $ 280,000 | $ 249,000 |
| Charleston, South Carolina | 2 | $ 980,000 | $ 490,000 | $ 207,000 |
| Albemarle, Virginia | 2 | $ 710,000 | $ 355,000 | $ 276,000 |
| Maricopa, Arizona | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Contra Costa, California | 1 | $ 595,000 | $ 595,000 | $ 138,000 |
| Broward, Florida | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Lee, Florida | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Orange, Florida | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Cobb, Georgia | 1 | $ 225,000 | $ 225,000 | $ 191,000 |
| Will, Illinois | 1 | $ 355,000 | $ 355,000 | $ 213,000 |
| Baltimore, Maryland | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Charles, Maryland | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Dorchester, Maryland | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| St. Mary's, Maryland | 1 | $ 285,000 | $ 285,000 | $ 265,000 |
| Worcester, Maryland | 1 | $ 735,000 | $ 735,000 | $ 837,000 |
| Clark, Nevada | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Burlington, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 161,000 |
| Mercer, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 260,000 |
| Wake, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 161,000 |
| Delaware, Ohio | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| Franklin, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Florence, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 234,000 |
| Horry, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 212,000 |
| Montgomery, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Dallas, Texas | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Harris, Texas | 1 | $ 765,000 | $ 765,000 | $ 380,000 |
| Appomattox, Virginia | 1 | $ 495,000 | $ 495,000 | $ 125,000 |
| Clarke, Virginia | 1 | $ 25,000 | $ 25,000 | $ 154,000 |
| Fairfax City, Virginia | 1 | $ 415,000 | $ 415,000 | $ 228,000 |
| Lynchburg, Virginia | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Stafford, Virginia | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Snohomish, Washington | 1 | $ 335,000 | $ 335,000 | $ 93,000 |
| Hampshire, West Virginia | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2020
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 | 202 | $66,920,000 | $331,000 | $2,145,000 | $152,000 | $936,000 |
| Other Purpose | 84 | $11,030,000 | $131,000 | $505,000 | $166,000 | $711,000 |
| Cash-out Refinancing | 55 | $16,465,000 | $299,000 | $855,000 | $146,000 | $498,000 |
| Home Purchase | 28 | $11,270,000 | $402,000 | $1,915,000 | $141,000 | $334,000 |
| Home Improvement | 6 | $790,000 | $131,000 | $305,000 | $156,000 | $274,000 |
| Not Applicable | 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 | 183 | $56,025,000 | $306,000 | $2,145,000 | $171,000 | $936,000 |
| Not Provided | 64 | $15,940,000 | $249,000 | $765,000 | $142,000 | $316,000 |
| Asian | 56 | $15,660,000 | $279,000 | $855,000 | $137,000 | $711,000 |
| Black or African American | 39 | $10,025,000 | $257,000 | $805,000 | $148,000 | $369,000 |
| Hispanic | 31 | $8,475,000 | $273,000 | $685,000 | $114,000 | $347,000 |
| 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) | 372 | $105,280,000 | $283,000 | $2,145,000 | $154,000 | $936,000 |
| FHA-insured (Federal Housing Administration) | 3 | $1,195,000 | $398,000 | $475,000 | $157,000 | $213,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 360 | $102,990,000 | $286,000 | $2,145,000 | $156,000 | $936,000 |
| Application Denied By Financial Institution | 10 | $1,900,000 | $190,000 | $285,000 | $89,000 | $255,000 |
| Application Withdrawn By Applicant | 4 | $1,100,000 | $275,000 | $435,000 | $89,000 | $141,000 |
| File Closed For Incompleteness | 1 | $485,000 | $485,000 | $485,000 | $129,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 365 | $104,575,000 | $286,000 | $2,145,000 | $156,000 | $936,000 |
| Debt-To-Income Ratio | 4 | $650,000 | $162,000 | $285,000 | $46,000 | $53,000 |
| Collateral | 2 | $570,000 | $285,000 | $285,000 | $215,000 | $255,000 |
| Credit Application Incomplete | 2 | $390,000 | $195,000 | $225,000 | $44,000 | $57,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $28,000 | $28,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $158,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU's 2020 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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