Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2003
In 2003, Mid-Atlantic FCU of Germantown, MD reported 677 mortgage applications totaling $135.2 million. The average application was for $199,701, and applicants reported an average income of $97,324. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Baltimore, MD (41), Washington, DC-MD-VA-WV (12) and Atlanta, GA (5) (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 | 677 |
| Total Mortgage Loan Application Amount | $135,198,000 |
| Average Mortgage Loan Application Amount | $199,701 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $97,324 |
| Highest Applicant Income | $790,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Mid-Atlantic FCU in 2003
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 (home purchase or home improvement, one-to-four family) | 593 | $117,313,000 | $216,625 | $675,000 | $101,562 | $790,000 |
| Home Purchase (one-to-four family) | 83 | $17,835,000 | $190,000 | $680,000 | $84,833 | $181,000 |
| Home Improvement (one-to-four family) | 1 | $50,000 | $50,000 | $50,000 | $64,000 | $64,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 448 | $89,193,000 | $204,882 | $675,000 | $103,705 | $790,000 |
| Information not provided by applicant in mail or telephone application | 86 | $17,219,000 | $189,555 | $680,000 | $91,666 | $263,000 |
| Black | 79 | $15,575,000 | $207,200 | $500,000 | $114,400 | $355,000 |
| Asian or Pacific Islander | 63 | $13,103,000 | $206,833 | $387,000 | $77,166 | $235,000 |
| American Indian or Alaskan Native | 1 | $108,000 | $108,000 | $108,000 | $123,000 | $123,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 677 | $135,198,000 | $212,388 | $680,000 | $96,833 | $790,000 |
| 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 | 530 | $104,581,000 | $199,733 | $620,000 | $101,066 | $790,000 |
| Application Withdrawn By Applicant | 115 | $23,362,000 | $176,600 | $680,000 | $82,500 | $414,000 |
| Application Denied By Financial Institution | 32 | $7,255,000 | $291,625 | $675,000 | $125,875 | $355,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $859,000 | $145,500 | $251,000 | $59,000 | $106,000 |
| Debt-To-Income Ratio | 4 | $1,046,000 | $316,500 | $427,000 | $98,500 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $194,000 | $194,000 | $194,000 | $54,000 | $54,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic FCU's 2003 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About