Mid-Atlantic FCU Mortgage Lending & HMDA Data, 2022
In 2022, Mid-Atlantic FCU of Germantown, MD reported 218 mortgage applications totaling $43.6 million, down 45% from 2021. The average application was for $199,862, and applicants reported an average income of $177,252. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Washington-Baltimore-Arlington, DC (164), Washington-Arlington-Alexandria, DC-VA-MD-WV (25) and Baltimore-Columbia-Towson, MD (16) (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 | 218 |
| Total Mortgage Loan Application Amount | $43,570,000 |
| Average Mortgage Loan Application Amount | $199,862 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $177,252 |
| Highest Applicant Income | $1,193,000 |
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Act (HMDA) records Mid-Atlantic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 151 | $21,575,000 | $142,000 | $505,000 | $177,000 | $1,193,000 |
| Cash-out Refinancing | 21 | $7,075,000 | $336,000 | $1,605,000 | $128,000 | $400,000 |
| Home Purchase | 21 | $8,595,000 | $409,000 | $1,205,000 | $238,000 | $1,041,000 |
| Home Improvement | 14 | $1,850,000 | $132,000 | $315,000 | $170,000 | $303,000 |
| Refinancing | 11 | $4,475,000 | $406,000 | $1,265,000 | $168,000 | $400,000 |
| 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 | 95 | $18,895,000 | $198,000 | $1,605,000 | $196,000 | $1,041,000 |
| Black or African American | 47 | $8,945,000 | $190,000 | $645,000 | $168,000 | $1,193,000 |
| Asian | 36 | $8,640,000 | $240,000 | $635,000 | $170,000 | $425,000 |
| Hispanic | 31 | $5,095,000 | $164,000 | $575,000 | $124,000 | $330,000 |
| Not Provided | 6 | $1,400,000 | $233,000 | $355,000 | $300,000 | $805,000 |
| 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) | 218 | $43,570,000 | $199,000 | $1,605,000 | $177,000 | $1,193,000 |
| 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 | 176 | $36,420,000 | $206,000 | $1,605,000 | $181,000 | $1,041,000 |
| Application Withdrawn By Applicant | 29 | $5,215,000 | $179,000 | $1,265,000 | $188,000 | $1,193,000 |
| Application Denied By Financial Institution | 11 | $1,325,000 | $120,000 | $485,000 | $103,000 | $311,000 |
| Application Approved But Not Accepted | 1 | $325,000 | $325,000 | $325,000 | $77,000 | $77,000 |
| File Closed For Incompleteness | 1 | $285,000 | $285,000 | $285,000 | $160,000 | $160,000 |
| 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 | 207 | $42,245,000 | $204,000 | $1,605,000 | $181,000 | $1,193,000 |
| Debt-To-Income Ratio | 7 | $545,000 | $77,000 | $205,000 | $58,000 | $154,000 |
| Credit History | 2 | $540,000 | $270,000 | $485,000 | $208,000 | $311,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $75,000 | $75,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $230,000 | $230,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2022 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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