Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2024
In 2024, Mid-Atlantic FCU of Germantown, MD reported 197 mortgage applications totaling $39.6 million, up 64% from 2023. The average application was for $200,888, and applicants reported an average income of $229,908. 45% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (159), Arlington-Alexandria-Reston, VA-WV (9) and Baltimore-Columbia-Towson, MD (7) (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 | 197 |
| Total Mortgage Loan Application Amount | $39,575,000 |
| Average Mortgage Loan Application Amount | $200,888 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $229,908 |
| Highest Applicant Income | $5,100,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 159 | $ 31,495,000 | $ 198,081 | $ 233,490 |
| Arlington-Alexandria-Reston, VA-WV | 9 | $ 2,965,000 | $ 329,444 | $ 416,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 535,000 | $ 76,428 | $ 163,000 |
| Washington, DC-MD | 7 | $ 1,805,000 | $ 257,857 | $ 161,285 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 475,000 | $ 158,333 | $ 88,666 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Columbus, OH | 1 | $ 225,000 | $ 225,000 | $ 224,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Harrisburg-Carlisle, PA | 1 | $ 335,000 | $ 335,000 | $ 265,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Jackson, MS | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 455,000 | $ 455,000 | $ 504,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Port St. Lucie, FL | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Raleigh, NC | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Richmond, VA | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Urban Honolulu, HI | 1 | $ 505,000 | $ 505,000 | $ 253,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 103 | $16,455,000 | $159,000 | $505,000 | $201,000 | $2,268,000 |
| Home Improvement | 55 | $9,465,000 | $172,000 | $505,000 | $325,000 | $5,100,000 |
| Home Purchase | 24 | $8,810,000 | $367,000 | $645,000 | $179,000 | $300,000 |
| Cash-out Refinancing | 9 | $2,375,000 | $263,000 | $725,000 | $158,000 | $304,000 |
| Refinancing | 6 | $2,470,000 | $411,000 | $985,000 | $166,000 | $357,000 |
| 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 | 76 | $15,330,000 | $201,000 | $725,000 | $254,000 | $2,268,000 |
| Asian | 45 | $11,365,000 | $252,000 | $985,000 | $180,000 | $710,000 |
| Black or African American | 43 | $6,565,000 | $152,000 | $685,000 | $180,000 | $2,400,000 |
| Hispanic | 24 | $4,080,000 | $170,000 | $615,000 | $340,000 | $5,100,000 |
| Not Provided | 8 | $1,780,000 | $222,000 | $505,000 | $174,000 | $312,000 |
| American Indian or Alaskan Native | 1 | $455,000 | $455,000 | $455,000 | $504,000 | $504,000 |
| 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) | 197 | $39,575,000 | $200,000 | $985,000 | $230,000 | $5,100,000 |
| 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 | 89 | $21,095,000 | $237,000 | $985,000 | $202,000 | $1,227,000 |
| Application Denied By Financial Institution | 59 | $9,935,000 | $168,000 | $505,000 | $166,000 | $2,268,000 |
| Application Withdrawn By Applicant | 48 | $8,180,000 | $170,000 | $505,000 | $358,000 | $5,100,000 |
| Application Approved But Not Accepted | 1 | $365,000 | $365,000 | $365,000 | $304,000 | $304,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 138 | $29,640,000 | $214,000 | $985,000 | $257,000 | $5,100,000 |
| Debt-To-Income Ratio | 34 | $7,330,000 | $215,000 | $505,000 | $121,000 | $775,000 |
| Other | 20 | $1,710,000 | $85,000 | $455,000 | $220,000 | $2,268,000 |
| Credit History | 2 | $210,000 | $105,000 | $125,000 | $68,000 | $69,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $85,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $505,000 | $505,000 | $505,000 | $300,000 | $300,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $775,000 | $775,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2024 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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