Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2019
In 2019, Mid-Atlantic FCU of Germantown, MD reported 167 mortgage applications totaling $33.6 million, down 20% from 2018. The average application was for $201,347, and applicants reported an average income of $154,005. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (133), Washington-Arlington-Alexandria, DC-VA-MD-WV (16) and Baltimore-Columbia-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 | 167 |
| Total Mortgage Loan Application Amount | $33,625,000 |
| Average Mortgage Loan Application Amount | $201,347 |
| Highest Mortgage Loan Application Amount | $2,185,000 |
| Average Applicant Income | $154,005 |
| Highest Applicant Income | $1,195,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 133 | $ 24,735,000 | $ 185,977 | $ 142,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 3,560,000 | $ 222,500 | $ 231,312 |
| Baltimore-Columbia-Towson, MD | 8 | $ 1,710,000 | $ 213,750 | $ 152,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 610,000 | $ 152,500 | $ 60,000 |
| Chicago-Naperville, IL | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,055,000 | $ 1,055,000 | $ 353,000 |
| Richmond, VA | 1 | $ 75,000 | $ 75,000 | $ 5,000 |
| Rockingham County-Strafford County, NH | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Salisbury, MD-DE | 1 | $ 765,000 | $ 765,000 | $ 837,000 |
| Wilmington, NC | 1 | $ 875,000 | $ 875,000 | $ 280,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2019
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 | 80 | $10,040,000 | $125,000 | $505,000 | $171,000 | $1,195,000 |
| Cash-out Refinancing | 30 | $10,970,000 | $365,000 | $2,185,000 | $136,000 | $837,000 |
| Refinancing | 26 | $5,620,000 | $216,000 | $765,000 | $177,000 | $837,000 |
| Home Purchase | 24 | $6,620,000 | $275,000 | $1,055,000 | $125,000 | $406,000 |
| Other Purpose | 7 | $375,000 | $53,000 | $105,000 | $51,000 | $141,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 59 | $10,515,000 | $178,000 | $875,000 | $128,000 | $888,000 |
| White | 59 | $13,995,000 | $237,000 | $2,185,000 | $216,000 | $1,195,000 |
| Black or African American | 19 | $4,565,000 | $240,000 | $605,000 | $105,000 | $287,000 |
| Hispanic | 16 | $2,280,000 | $142,000 | $625,000 | $95,000 | $170,000 |
| Asian | 10 | $1,340,000 | $134,000 | $345,000 | $133,000 | $244,000 |
| 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) | 163 | $32,705,000 | $200,000 | $2,185,000 | $156,000 | $1,195,000 |
| FHA-insured (Federal Housing Administration) | 4 | $920,000 | $230,000 | $365,000 | $72,000 | $114,000 |
| 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 | 136 | $27,210,000 | $200,000 | $2,185,000 | $159,000 | $1,195,000 |
| Application Denied By Financial Institution | 18 | $3,790,000 | $210,000 | $875,000 | $126,000 | $753,000 |
| Application Withdrawn By Applicant | 10 | $2,420,000 | $242,000 | $465,000 | $131,000 | $221,000 |
| File Closed For Incompleteness | 3 | $205,000 | $68,000 | $155,000 | $139,000 | $195,000 |
| 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 | 149 | $29,835,000 | $200,000 | $2,185,000 | $157,000 | $1,195,000 |
| Debt-To-Income Ratio | 8 | $980,000 | $122,000 | $345,000 | $61,000 | $101,000 |
| Collateral | 4 | $1,610,000 | $402,000 | $875,000 | $296,000 | $753,000 |
| Credit History | 3 | $295,000 | $98,000 | $155,000 | $105,000 | $128,000 |
| Credit Application Incomplete | 2 | $590,000 | $295,000 | $405,000 | $93,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $315,000 | $315,000 | $315,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU's 2019 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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