Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2010
In 2010, Mid-Atlantic FCU of Germantown, MD reported 220 mortgage applications totaling $61.5 million, down 29% from 2009. The average application was for $279,540, and applicants reported an average income of $185,731. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Bethesda-Rockville-Frederick, MD (150), Washington-Arlington-Alexandria, DC-VA-MD-WV (38) and Baltimore-Towson, MD (8) (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 | 220 |
| Total Mortgage Loan Application Amount | $61,499,000 |
| Average Mortgage Loan Application Amount | $279,540 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $185,731 |
| Highest Applicant Income | $1,000,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Rockville-Frederick, MD | 150 | $ 43,683,000 | $ 291,220 | $ 178,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 38 | $ 7,695,000 | $ 202,500 | $ 193,289 |
| Baltimore-Towson, MD | 8 | $ 2,860,000 | $ 357,500 | $ 177,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 234,000 | $ 117,000 | $ 107,000 |
| Asheville, NC | 1 | $ 417,000 | $ 417,000 | $ 404,000 |
| Charlottesville, VA | 1 | $ 704,000 | $ 704,000 | $ 149,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 24,000 | $ 24,000 | $ 116,000 |
| Durham-Chapel Hill, NC | 1 | $ 116,000 | $ 116,000 | $ 139,000 |
| Fort Worth-Arlington, TX | 1 | $ 256,000 | $ 256,000 | $ 147,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 113,000 | $ 113,000 | $ 283,000 |
| Naples-Marco Island, FL | 1 | $ 380,000 | $ 380,000 | $ 118,000 |
| Nassau-Suffolk, NY | 1 | $ 400,000 | $ 400,000 | $ 221,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 412,000 | $ 412,000 | $ 89,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 417,000 | $ 417,000 | $ 479,000 |
| St. Louis, MO-IL | 1 | $ 152,000 | $ 152,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2010
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 | 111 | $40,357,000 | $363,000 | $1,950,000 | $197,000 | $1,000,000 |
| Home Purchase | 94 | $20,357,000 | $216,000 | $1,480,000 | $181,000 | $656,000 |
| Home Improvement | 15 | $785,000 | $52,000 | $150,000 | $132,000 | $425,000 |
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 | 153 | $45,318,000 | $296,000 | $1,950,000 | $197,000 | $1,000,000 |
| Asian | 31 | $6,700,000 | $216,000 | $956,000 | $129,000 | $305,000 |
| Black or African American | 18 | $5,736,000 | $318,000 | $1,480,000 | $181,000 | $541,000 |
| Hispanic | 9 | $2,244,000 | $249,000 | $696,000 | $178,000 | $334,000 |
| Not Provided | 9 | $1,501,000 | $166,000 | $289,000 | $205,000 | $425,000 |
| 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) | 214 | $60,311,000 | $281,000 | $1,950,000 | $190,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,188,000 | $198,000 | $323,000 | $55,000 | $139,000 |
| 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 | 128 | $34,613,000 | $270,000 | $1,950,000 | $198,000 | $850,000 |
| Application Withdrawn By Applicant | 64 | $18,416,000 | $287,000 | $1,400,000 | $195,000 | $1,000,000 |
| Application Denied By Financial Institution | 28 | $8,470,000 | $302,000 | $718,000 | $113,000 | $305,000 |
| 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 | 2 | $108,000 | $54,000 | $100,000 | $36,000 | $45,000 |
| Collateral | 2 | $157,000 | $78,000 | $116,000 | $157,000 | $175,000 |
| Other | 1 | $594,000 | $594,000 | $594,000 | $121,000 | $121,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2010 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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