Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2025
In 2025, Mid-Atlantic FCU of Germantown, MD reported 200 mortgage applications totaling $45.5 million, up 2% from 2024. The average application was for $227,300, and applicants reported an average income of $211,190. 42% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (130), Baltimore-Columbia-Towson, MD (13) and Washington, DC-MD (9) (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 | 200 |
| Total Mortgage Loan Application Amount | $45,460,000 |
| Average Mortgage Loan Application Amount | $227,300 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $211,190 |
| Highest Applicant Income | $2,400,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Baltimore-Arlington, DC | 130 | $ 30,510,000 | $ 234,692 | $ 215,000 |
| Outside any metro area | 22 | $ 3,110,000 | $ 141,363 | $ 126,454 |
| Baltimore-Columbia-Towson, MD | 13 | $ 3,475,000 | $ 267,307 | $ 153,000 |
| Washington, DC-MD | 9 | $ 1,335,000 | $ 148,333 | $ 327,444 |
| Arlington-Alexandria-Reston, VA-WV | 6 | $ 2,490,000 | $ 415,000 | $ 519,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 260,000 | $ 65,000 | $ 136,000 |
| Newark, NJ-PA | 2 | $ 1,450,000 | $ 725,000 | $ 301,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Gettysburg, PA | 1 | $ 215,000 | $ 215,000 | $ 185,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 455,000 | $ 455,000 | $ 504,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Pittsburgh, PA | 1 | $ 25,000 | $ 25,000 | $ 216,000 |
| Port St. Lucie, FL | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Raleigh, NC | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| St. Louis, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 228,000 |
| Tucson, AZ | 1 | $ 435,000 | $ 435,000 | $ 312,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 555,000 | $ 555,000 | $ 175,000 |
| Winchester, VA-WV | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2025
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 Improvement | 87 | $14,195,000 | $163,000 | $835,000 | $189,000 | $2,400,000 |
| Other Purpose | 58 | $9,180,000 | $158,000 | $505,000 | $212,000 | $2,268,000 |
| Home Purchase | 24 | $9,910,000 | $412,000 | $745,000 | $269,000 | $1,575,000 |
| Refinancing | 23 | $8,975,000 | $390,000 | $1,505,000 | $213,000 | $485,000 |
| Cash-out Refinancing | 8 | $3,200,000 | $400,000 | $875,000 | $268,000 | $951,000 |
| 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 | 81 | $21,985,000 | $271,000 | $1,175,000 | $281,000 | $2,268,000 |
| Asian | 43 | $11,225,000 | $261,000 | $1,505,000 | $173,000 | $485,000 |
| Black or African American | 38 | $5,940,000 | $156,000 | $505,000 | $197,000 | $2,400,000 |
| Hispanic | 17 | $1,795,000 | $105,000 | $355,000 | $87,000 | $196,000 |
| Not Provided | 16 | $2,790,000 | $174,000 | $835,000 | $116,000 | $312,000 |
| American Indian or Alaskan Native | 3 | $925,000 | $308,000 | $455,000 | $275,000 | $504,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $800,000 | $400,000 | $435,000 | $226,000 | $319,000 |
| 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) | 200 | $45,460,000 | $227,000 | $1,505,000 | $211,000 | $2,400,000 |
| 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 | 84 | $23,090,000 | $274,000 | $1,505,000 | $214,000 | $1,575,000 |
| Application Denied By Financial Institution | 61 | $9,885,000 | $162,000 | $835,000 | $173,000 | $2,268,000 |
| Application Withdrawn By Applicant | 55 | $12,485,000 | $227,000 | $745,000 | $248,000 | $2,400,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 139 | $35,575,000 | $255,000 | $1,505,000 | $228,000 | $2,400,000 |
| Other | 42 | $6,350,000 | $151,000 | $835,000 | $182,000 | $2,268,000 |
| Debt-To-Income Ratio | 15 | $3,035,000 | $202,000 | $505,000 | $167,000 | $775,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $205,000 | $132,000 | $132,000 |
| Credit History | 2 | $190,000 | $95,000 | $105,000 | $75,000 | $83,000 |
| Collateral | 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 2025 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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