Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2021
In 2021, Mid-Atlantic FCU of Germantown, MD reported 398 mortgage applications totaling $106.9 million, up 6% from 2020. The average application was for $268,542, and applicants reported an average income of $156,412. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (289), Washington-Arlington-Alexandria, DC-VA-MD-WV (54) 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 | 398 |
| Total Mortgage Loan Application Amount | $106,880,000 |
| Average Mortgage Loan Application Amount | $268,542 |
| Highest Mortgage Loan Application Amount | $945,000 |
| Average Applicant Income | $156,412 |
| Highest Applicant Income | $787,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 244 | $ 64,340,000 | $ 263,688 | $ 155,000 |
| Frederick, Maryland | 45 | $ 13,045,000 | $ 289,888 | $ 151,000 |
| Prince George's, Maryland | 24 | $ 5,700,000 | $ 237,500 | $ 112,000 |
| District of Columbia, District Of Columbia | 11 | $ 3,315,000 | $ 301,363 | $ 223,000 |
| Howard, Maryland | 9 | $ 3,015,000 | $ 335,000 | $ 188,000 |
| Washington, Maryland | 7 | $ 1,185,000 | $ 169,285 | $ 116,000 |
| Anne Arundel, Maryland | 6 | $ 2,180,000 | $ 363,333 | $ 184,000 |
| Fairfax, Virginia | 6 | $ 1,860,000 | $ 310,000 | $ 152,000 |
| Loudoun, Virginia | 6 | $ 1,380,000 | $ 230,000 | $ 202,000 |
| Baltimore, Maryland | 5 | $ 1,705,000 | $ 341,000 | $ 268,000 |
| Prince William, Virginia | 3 | $ 735,000 | $ 245,000 | $ 132,000 |
| Sussex, Delaware | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Baltimore City, Maryland | 2 | $ 470,000 | $ 235,000 | $ 78,000 |
| Carroll, Maryland | 2 | $ 280,000 | $ 140,000 | $ 239,000 |
| Franklin, Pennsylvania | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Florence, South Carolina | 2 | $ 350,000 | $ 175,000 | $ 72,000 |
| Jefferson, West Virginia | 2 | $ 460,000 | $ 230,000 | $ 54,000 |
| Orange, Florida | 1 | $ 365,000 | $ 365,000 | $ 81,000 |
| Volusia, Florida | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Will, Illinois | 1 | $ 355,000 | $ 355,000 | $ 185,000 |
| Dorchester, Maryland | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| St. Mary's, Maryland | 1 | $ 505,000 | $ 505,000 | $ 321,000 |
| Bergen, New Jersey | 1 | $ 475,000 | $ 475,000 | $ 347,000 |
| Monmouth, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Ocean, New Jersey | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Wake, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Allegheny, Pennsylvania | 1 | $ 525,000 | $ 525,000 | $ 220,000 |
| Dauphin, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Philadelphia, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Pike, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Bexar, Texas | 1 | $ 165,000 | $ 165,000 | $ 330,000 |
| Tarrant, Texas | 1 | $ 345,000 | $ 345,000 | $ 288,000 |
| Alexandria, Virginia | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Stafford, Virginia | 1 | $ 505,000 | $ 505,000 | $ 379,000 |
| Whatcom, Washington | 1 | $ 145,000 | $ 145,000 | $ 175,000 |
| Berkeley, West Virginia | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Morgan, West Virginia | 1 | $ 255,000 | $ 255,000 | $ 367,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2021
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 | 176 | $53,910,000 | $306,000 | $945,000 | $142,000 | $673,000 |
| Other Purpose | 133 | $22,805,000 | $171,000 | $505,000 | $185,000 | $787,000 |
| Cash-out Refinancing | 53 | $17,015,000 | $321,000 | $885,000 | $149,000 | $372,000 |
| Home Purchase | 34 | $12,810,000 | $376,000 | $805,000 | $129,000 | $367,000 |
| Home Improvement | 2 | $340,000 | $170,000 | $205,000 | $186,000 | $233,000 |
| 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 | 170 | $50,000,000 | $294,000 | $945,000 | $186,000 | $787,000 |
| Black or African American | 97 | $25,245,000 | $260,000 | $725,000 | $128,000 | $357,000 |
| Asian | 72 | $18,700,000 | $259,000 | $545,000 | $153,000 | $715,000 |
| Hispanic | 44 | $10,150,000 | $230,000 | $465,000 | $111,000 | $302,000 |
| Not Provided | 8 | $1,240,000 | $155,000 | $335,000 | $177,000 | $359,000 |
| American Indian or Alaskan Native | 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 |
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) | 397 | $106,775,000 | $268,000 | $945,000 | $157,000 | $787,000 |
| FHA-insured (Federal Housing Administration) | 1 | $105,000 | $105,000 | $105,000 | $143,000 | $143,000 |
| 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 | 353 | $93,665,000 | $265,000 | $945,000 | $161,000 | $787,000 |
| Application Denied By Financial Institution | 22 | $5,610,000 | $255,000 | $525,000 | $100,000 | $222,000 |
| Application Withdrawn By Applicant | 16 | $5,030,000 | $314,000 | $615,000 | $164,000 | $503,000 |
| File Closed For Incompleteness | 5 | $1,905,000 | $381,000 | $515,000 | $115,000 | $143,000 |
| Application Approved But Not Accepted | 2 | $670,000 | $335,000 | $395,000 | $100,000 | $145,000 |
| 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 |
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 | 376 | $101,270,000 | $269,000 | $945,000 | $160,000 | $787,000 |
| Credit Application Incomplete | 7 | $1,675,000 | $239,000 | $465,000 | $110,000 | $186,000 |
| Credit History | 5 | $1,205,000 | $241,000 | $525,000 | $97,000 | $159,000 |
| Other | 5 | $1,165,000 | $233,000 | $525,000 | $91,000 | $159,000 |
| Collateral | 2 | $450,000 | $225,000 | $245,000 | $79,000 | $98,000 |
| Debt-To-Income Ratio | 2 | $650,000 | $325,000 | $455,000 | $52,000 | $83,000 |
| Unverifiable Information | 1 | $465,000 | $465,000 | $465,000 | $222,000 | $222,000 |
| 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 2021 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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