Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2012
In 2012, Mid-Atlantic FCU of Germantown, MD reported 134 mortgage applications totaling $41.4 million, down 41% from 2011. The average application was for $309,246, and applicants reported an average income of $211,753. 42% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Bethesda-Rockville-Frederick, MD (76), Washington-Arlington-Alexandria, DC-VA-MD-WV (42) and Baltimore-Towson, MD (3) (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 | 134 |
| Total Mortgage Loan Application Amount | $41,439,000 |
| Average Mortgage Loan Application Amount | $309,246 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $211,753 |
| Highest Applicant Income | $2,206,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 85 | $29,450,000 | $346,000 | $1,525,000 | $199,000 | $2,206,000 |
| Home Purchase | 47 | $11,934,000 | $253,000 | $1,875,000 | $240,000 | $989,000 |
| Home Improvement | 2 | $55,000 | $27,000 | $30,000 | $90,000 | $94,000 |
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 | 86 | $29,502,000 | $343,000 | $1,525,000 | $257,000 | $2,206,000 |
| Not Provided | 16 | $5,376,000 | $336,000 | $1,875,000 | $156,000 | $609,000 |
| Black or African American | 15 | $2,425,000 | $161,000 | $349,000 | $104,000 | $237,000 |
| Asian | 14 | $3,475,000 | $248,000 | $440,000 | $127,000 | $273,000 |
| Hispanic | 3 | $661,000 | $220,000 | $306,000 | $161,000 | $243,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 134 | $41,439,000 | $309,000 | $1,875,000 | $212,000 | $2,206,000 |
| 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 | 56 | $16,727,000 | $298,000 | $1,875,000 | $221,000 | $846,000 |
| Application Withdrawn By Applicant | 51 | $16,797,000 | $329,000 | $1,525,000 | $220,000 | $2,206,000 |
| Application Denied By Financial Institution | 27 | $7,915,000 | $293,000 | $1,021,000 | $178,000 | $989,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $3,243,000 | $324,000 | $467,000 | $172,000 | $335,000 |
| Credit History | 1 | $30,000 | $30,000 | $30,000 | $87,000 | $87,000 |
| Debt-To-Income Ratio | 1 | $105,000 | $105,000 | $105,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $557,000 | $557,000 |
| Other | 1 | $284,000 | $284,000 | $284,000 | $117,000 | $117,000 |
| Unverifiable Information | 1 | $211,000 | $211,000 | $211,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2012 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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