Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2007
In 2007, Mid-Atlantic FCU of Germantown, MD reported 243 mortgage applications totaling $57.1 million, down 2% from 2006. The average application was for $234,880, and applicants reported an average income of $119,246. 51% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bethesda-Gaithersburg-Frederick, MD (131), Washington-Arlington-Alexandria, DC-VA-MD-WV (26) and Baltimore-Towson, MD (19) (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 | 243 |
| Total Mortgage Loan Application Amount | $57,076,000 |
| Average Mortgage Loan Application Amount | $234,880 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $119,246 |
| Highest Applicant Income | $620,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bethesda-Gaithersburg-Frederick, MD | 131 | $ 25,700,000 | $ 196,183 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 26 | $ 7,171,000 | $ 275,807 | $ 139,538 |
| Baltimore-Towson, MD | 19 | $ 3,549,000 | $ 186,789 | $ 143,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 355,000 | $ 118,333 | $ 113,000 |
| Edison, NJ | 1 | $ 30,000 | $ 30,000 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 136,000 | $ 136,000 | $ 57,000 |
| Kansas City, MO-KS | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Memphis, TN-MS-AR | 1 | $ 19,000 | $ 19,000 | $ 38,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 37,000 | $ 37,000 | $ 102,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 535,000 | $ 535,000 | $ 130,000 |
| Richmond, VA | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Tucson, AZ | 1 | $ 920,000 | $ 920,000 | $ 351,000 |
| Wilmington, NC | 1 | $ 900,000 | $ 900,000 | $ 215,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2007
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 | 97 | $11,095,000 | $114,000 | $2,200,000 | $121,000 | $620,000 |
| Home Purchase | 90 | $25,957,000 | $288,000 | $920,000 | $120,000 | $389,000 |
| Refinancing | 56 | $20,024,000 | $357,000 | $960,000 | $115,000 | $449,000 |
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 | 139 | $31,981,000 | $230,000 | $2,200,000 | $128,000 | $620,000 |
| Black or African American | 51 | $12,925,000 | $253,000 | $920,000 | $104,000 | $351,000 |
| Asian | 21 | $5,117,000 | $243,000 | $960,000 | $95,000 | $184,000 |
| Hispanic | 17 | $2,706,000 | $159,000 | $540,000 | $98,000 | $166,000 |
| Not Provided | 10 | $3,072,000 | $307,000 | $509,000 | $134,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $285,000 | $95,000 | $220,000 | $106,000 | $159,000 |
| American Indian or Alaskan Native | 2 | $990,000 | $495,000 | $590,000 | $295,000 | $449,000 |
| 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) | 243 | $57,076,000 | $234,000 | $2,200,000 | $119,000 | $620,000 |
| 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 | 125 | $20,119,000 | $160,000 | $2,200,000 | $120,000 | $620,000 |
| Application Withdrawn By Applicant | 100 | $31,024,000 | $310,000 | $920,000 | $124,000 | $449,000 |
| Application Denied By Financial Institution | 18 | $5,933,000 | $329,000 | $960,000 | $89,000 | $184,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $2,119,000 | $302,000 | $500,000 | $84,000 | $130,000 |
| Credit History | 4 | $1,390,000 | $347,000 | $960,000 | $96,000 | $184,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU's 2007 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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