Mid-Atlantic Financial Service Mortgage Lending & HMDA Data, 2008
In 2008, Mid-Atlantic Financial Service of Atlanta, GA reported 1,403 mortgage applications totaling $231.7 million, up 38% from 2007. The average application was for $165,168, and applicants reported an average income of $62,243. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (747), Charlotte-Gastonia-Concord, NC-SC (59) and Columbus, GA-AL (32) (applications in parentheses).
| Mortgage Company & Address | Mid-Atlantic Financial Service 200 Galleria Parkway Suite 1300 Atlanta, GA 30008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,403 |
| Total Mortgage Loan Application Amount | $231,732,000 |
| Average Mortgage Loan Application Amount | $165,168 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $62,243 |
| Highest Applicant Income | $1,105,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett, Georgia | 100 | $ 16,061,000 | $ 160,610 | $ 51,000 |
| DeKalb, Georgia | 89 | $ 13,798,000 | $ 155,033 | $ 48,000 |
| Fulton, Georgia | 84 | $ 15,995,000 | $ 190,416 | $ 59,000 |
| Cobb, Georgia | 79 | $ 14,735,000 | $ 186,518 | $ 72,000 |
| Carroll, Georgia | 69 | $ 11,051,000 | $ 160,159 | $ 68,000 |
| Paulding, Georgia | 53 | $ 8,322,000 | $ 157,018 | $ 53,000 |
| Clayton, Georgia | 48 | $ 6,441,000 | $ 134,187 | $ 44,000 |
| Jackson, Georgia | 40 | $ 6,212,000 | $ 155,300 | $ 72,000 |
| Mecklenburg, North Carolina | 31 | $ 8,149,000 | $ 262,870 | $ 104,000 |
| Henry, Georgia | 29 | $ 4,625,000 | $ 159,482 | $ 50,000 |
| Douglas, Georgia | 27 | $ 3,829,000 | $ 141,814 | $ 55,000 |
| Barrow, Georgia | 24 | $ 2,965,000 | $ 123,541 | $ 54,000 |
| Chatham, Georgia | 21 | $ 3,095,000 | $ 147,380 | $ 43,000 |
| Newton, Georgia | 21 | $ 3,187,000 | $ 151,761 | $ 43,000 |
| Cherokee, Georgia | 19 | $ 3,832,000 | $ 201,684 | $ 85,000 |
| Bartow, Georgia | 17 | $ 2,761,000 | $ 162,411 | $ 77,000 |
| Bibb, Georgia | 17 | $ 1,885,000 | $ 110,882 | $ 45,000 |
| Hall, Georgia | 16 | $ 2,732,000 | $ 170,750 | $ 103,000 |
| Coweta, Georgia | 15 | $ 1,880,000 | $ 125,333 | $ 52,000 |
| Haralson, Georgia | 15 | $ 2,329,000 | $ 155,266 | $ 54,000 |
| Muscogee, Georgia | 15 | $ 1,701,000 | $ 113,400 | $ 61,000 |
| Rockdale, Georgia | 15 | $ 2,791,000 | $ 186,066 | $ 64,000 |
| Banks, Georgia | 13 | $ 2,827,000 | $ 217,461 | $ 103,000 |
| Richmond, Georgia | 13 | $ 1,588,000 | $ 122,153 | $ 42,000 |
| Walton, Georgia | 13 | $ 2,204,000 | $ 169,538 | $ 59,000 |
| Lee, Alabama | 12 | $ 2,056,000 | $ 171,333 | $ 57,000 |
| Russell, Alabama | 12 | $ 1,490,000 | $ 124,166 | $ 70,000 |
| Bulloch, Georgia | 11 | $ 1,655,000 | $ 150,454 | $ 54,000 |
| Houston, Georgia | 11 | $ 1,367,000 | $ 124,272 | $ 51,000 |
| Clarke, Georgia | 10 | $ 1,696,000 | $ 169,600 | $ 62,000 |
| Fayette, Georgia | 10 | $ 2,497,000 | $ 249,700 | $ 97,000 |
| Union, North Carolina | 10 | $ 3,082,000 | $ 308,200 | $ 119,000 |
| York, South Carolina | 10 | $ 2,102,000 | $ 210,200 | $ 73,000 |
| Duval, Florida | 9 | $ 1,297,000 | $ 144,111 | $ 61,000 |
| Madison, Georgia | 8 | $ 1,655,000 | $ 206,875 | $ 54,000 |
| Whitfield, Georgia | 8 | $ 1,158,000 | $ 144,750 | $ 54,000 |
| Horry, South Carolina | 8 | $ 1,526,000 | $ 190,750 | $ 54,000 |
| Shelby, Tennessee | 8 | $ 1,215,000 | $ 151,875 | $ 42,000 |
| Dougherty, Georgia | 7 | $ 1,000,000 | $ 142,857 | $ 65,000 |
| Floyd, Georgia | 7 | $ 853,000 | $ 121,857 | $ 113,000 |
| Forsyth, Georgia | 7 | $ 1,765,000 | $ 252,142 | $ 131,000 |
| Polk, Georgia | 7 | $ 738,000 | $ 105,428 | $ 32,000 |
| Wake, North Carolina | 7 | $ 1,453,000 | $ 207,571 | $ 66,000 |
| Jefferson, Alabama | 6 | $ 713,000 | $ 118,833 | $ 22,000 |
| St. Clair, Alabama | 6 | $ 1,082,000 | $ 180,333 | $ 86,000 |
| Columbia, Georgia | 6 | $ 996,000 | $ 166,000 | $ 64,000 |
| Effingham, Georgia | 6 | $ 1,057,000 | $ 176,166 | $ 60,000 |
| Troup, Georgia | 6 | $ 626,000 | $ 104,333 | $ 57,000 |
| Davidson, Tennessee | 6 | $ 869,000 | $ 144,833 | $ 14,000 |
| Chambers, Alabama | 5 | $ 1,104,000 | $ 220,800 | $ 134,000 |
| Franklin, Georgia | 5 | $ 773,000 | $ 154,600 | $ 70,000 |
| Glynn, Georgia | 5 | $ 666,000 | $ 133,200 | $ 33,000 |
| Gordon, Georgia | 5 | $ 711,000 | $ 142,200 | $ 49,000 |
| Harris, Georgia | 5 | $ 924,000 | $ 184,800 | $ 91,000 |
| Oconee, Georgia | 5 | $ 1,052,000 | $ 210,400 | $ 80,000 |
| Gaston, North Carolina | 5 | $ 1,357,000 | $ 271,400 | $ 87,000 |
| Greenville, South Carolina | 5 | $ 774,000 | $ 154,800 | $ 59,000 |
| Hamilton, Tennessee | 5 | $ 758,000 | $ 151,600 | $ 59,000 |
| Knox, Tennessee | 5 | $ 657,000 | $ 131,400 | $ 43,000 |
| Mobile, Alabama | 4 | $ 625,000 | $ 156,250 | $ 40,000 |
| Ware, Georgia | 4 | $ 322,000 | $ 80,500 | $ 33,000 |
| Montgomery, Tennessee | 4 | $ 531,000 | $ 132,750 | $ 52,000 |
| Cherokee, Alabama | 3 | $ 495,000 | $ 165,000 | $ 88,000 |
| Baldwin, Georgia | 3 | $ 371,000 | $ 123,666 | $ 109,000 |
| Ben Hill, Georgia | 3 | $ 191,000 | $ 63,666 | $ 24,000 |
| Catoosa, Georgia | 3 | $ 259,000 | $ 86,333 | $ 24,000 |
| Decatur, Georgia | 3 | $ 313,000 | $ 104,333 | $ 30,000 |
| Fannin, Georgia | 3 | $ 328,000 | $ 109,333 | $ 53,000 |
| Grady, Georgia | 3 | $ 320,000 | $ 106,666 | $ 62,000 |
| Habersham, Georgia | 3 | $ 410,000 | $ 136,666 | $ 55,000 |
| Spalding, Georgia | 3 | $ 329,000 | $ 109,666 | $ 20,000 |
| Walker, Georgia | 3 | $ 266,000 | $ 88,666 | $ 24,000 |
| Worth, Georgia | 3 | $ 388,000 | $ 129,333 | $ 75,000 |
| Cabarrus, North Carolina | 3 | $ 938,000 | $ 312,666 | $ 207,000 |
| Cumberland, North Carolina | 3 | $ 507,000 | $ 169,000 | $ 89,000 |
| Durham, North Carolina | 3 | $ 472,000 | $ 157,333 | $ 53,000 |
| Guilford, North Carolina | 3 | $ 500,000 | $ 166,666 | $ 70,000 |
| Onslow, North Carolina | 3 | $ 620,000 | $ 206,666 | $ 58,000 |
| Charleston, South Carolina | 3 | $ 848,000 | $ 282,666 | $ 85,000 |
| Florence, South Carolina | 3 | $ 252,000 | $ 84,000 | $ 46,000 |
| Georgetown, South Carolina | 3 | $ 406,000 | $ 135,333 | $ 56,000 |
| Rutherford, Tennessee | 3 | $ 384,000 | $ 128,000 | $ 27,000 |
| Tipton, Tennessee | 3 | $ 447,000 | $ 149,000 | $ 56,000 |
| Williamson, Tennessee | 3 | $ 631,000 | $ 210,333 | $ 40,000 |
| Houston, Alabama | 2 | $ 291,000 | $ 145,500 | $ 48,000 |
| Randolph, Alabama | 2 | $ 521,000 | $ 260,500 | $ 155,000 |
| Walker, Alabama | 2 | $ 282,000 | $ 141,000 | $ 46,000 |
| Collier, Florida | 2 | $ 410,000 | $ 205,000 | $ 75,000 |
| Escambia, Florida | 2 | $ 264,000 | $ 132,000 | $ 44,000 |
| Orange, Florida | 2 | $ 440,000 | $ 220,000 | $ 62,000 |
| Polk, Florida | 2 | $ 261,000 | $ 130,500 | $ 44,000 |
| Berrien, Georgia | 2 | $ 127,000 | $ 63,500 | $ 31,000 |
| Camden, Georgia | 2 | $ 312,000 | $ 156,000 | $ 64,000 |
| Dawson, Georgia | 2 | $ 528,000 | $ 264,000 | $ 74,000 |
| Elbert, Georgia | 2 | $ 228,000 | $ 114,000 | $ 43,000 |
| Jones, Georgia | 2 | $ 374,000 | $ 187,000 | $ 46,000 |
| Lamar, Georgia | 2 | $ 244,000 | $ 122,000 | $ 53,000 |
| Laurens, Georgia | 2 | $ 460,000 | $ 230,000 | $ 80,000 |
| Pickens, Georgia | 2 | $ 308,000 | $ 154,000 | $ 42,000 |
| Putnam, Georgia | 2 | $ 213,000 | $ 106,500 | $ 47,000 |
| Screven, Georgia | 2 | $ 237,000 | $ 118,500 | $ 47,000 |
| Stephens, Georgia | 2 | $ 264,000 | $ 132,000 | $ 41,000 |
| Sumter, Georgia | 2 | $ 324,000 | $ 162,000 | $ 143,000 |
| Thomas, Georgia | 2 | $ 238,000 | $ 119,000 | $ 50,000 |
| Tift, Georgia | 2 | $ 548,000 | $ 274,000 | $ 96,000 |
| Wilkinson, Georgia | 2 | $ 202,000 | $ 101,000 | $ 34,000 |
| Prince George's, Maryland | 2 | $ 613,000 | $ 306,500 | $ 117,000 |
| Buncombe, North Carolina | 2 | $ 409,000 | $ 204,500 | $ 52,000 |
| Catawba, North Carolina | 2 | $ 413,000 | $ 206,500 | $ 97,000 |
| New Hanover, North Carolina | 2 | $ 432,000 | $ 216,000 | $ 67,000 |
| Aiken, South Carolina | 2 | $ 302,000 | $ 151,000 | $ 43,000 |
| Anderson, South Carolina | 2 | $ 389,000 | $ 194,500 | $ 51,000 |
| Clarendon, South Carolina | 2 | $ 325,000 | $ 162,500 | $ 62,000 |
| Marion, South Carolina | 2 | $ 237,000 | $ 118,500 | $ 28,000 |
| Carter, Tennessee | 2 | $ 268,000 | $ 134,000 | $ 77,000 |
| Coffee, Tennessee | 2 | $ 254,000 | $ 127,000 | $ 53,000 |
| Wilson, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 65,000 |
| Chesterfield, Virginia | 2 | $ 575,000 | $ 287,500 | $ 96,000 |
| Petersburg, Virginia | 2 | $ 219,000 | $ 109,500 | $ 31,000 |
| Baldwin, Alabama | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Clay, Alabama | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Colbert, Alabama | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Elmore, Alabama | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Escambia, Alabama | 1 | $ 288,000 | $ 288,000 | $ 80,000 |
| Etowah, Alabama | 1 | $ 119,000 | $ 119,000 | $ 63,000 |
| Henry, Alabama | 1 | $ 138,000 | $ 138,000 | $ 54,000 |
| Lauderdale, Alabama | 1 | $ 81,000 | $ 81,000 | $ 18,000 |
| Montgomery, Alabama | 1 | $ 255,000 | $ 255,000 | $ 176,000 |
| Shelby, Alabama | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Talladega, Alabama | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Tallapoosa, Alabama | 1 | $ 283,000 | $ 283,000 | $ 55,000 |
| Tuscaloosa, Alabama | 1 | $ 193,000 | $ 193,000 | $ 53,000 |
| Bay, Florida | 1 | $ 212,000 | $ 212,000 | $ 1,105,000 |
| Flagler, Florida | 1 | $ 161,000 | $ 161,000 | $ 60,000 |
| Highlands, Florida | 1 | $ 159,000 | $ 159,000 | $ 73,000 |
| Hillsborough, Florida | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Indian River, Florida | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Lee, Florida | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| Miami-Dade, Florida | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Palm Beach, Florida | 1 | $ 370,000 | $ 370,000 | $ 103,000 |
| Pasco, Florida | 1 | $ 240,000 | $ 240,000 | $ 185,000 |
| Pinellas, Florida | 1 | $ 417,000 | $ 417,000 | $ 47,000 |
| Santa Rosa, Florida | 1 | $ 375,000 | $ 375,000 | $ 553,000 |
| St. Johns, Florida | 1 | $ 146,000 | $ 146,000 | $ 121,000 |
| Sumter, Florida | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Bacon, Georgia | 1 | $ 163,000 | $ 163,000 | $ 36,000 |
| Brooks, Georgia | 1 | $ 178,000 | $ 178,000 | $ 44,000 |
| Bryan, Georgia | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Burke, Georgia | 1 | $ 121,000 | $ 121,000 | $ 52,000 |
| Butts, Georgia | 1 | $ 126,000 | $ 126,000 | $ 42,000 |
| Candler, Georgia | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Clay, Georgia | 1 | $ 98,000 | $ 98,000 | $ 68,000 |
| Coffee, Georgia | 1 | $ 234,000 | $ 234,000 | $ 53,000 |
| Crisp, Georgia | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Dodge, Georgia | 1 | $ 72,000 | $ 72,000 | $ 26,000 |
| Dooly, Georgia | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Emanuel, Georgia | 1 | $ 153,000 | $ 153,000 | $ 193,000 |
| Evans, Georgia | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Gilmer, Georgia | 1 | $ 91,000 | $ 91,000 | $ 45,000 |
| Greene, Georgia | 1 | $ 417,000 | $ 417,000 | $ 375,000 |
| Heard, Georgia | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Jasper, Georgia | 1 | $ 223,000 | $ 223,000 | $ 54,000 |
| Jefferson, Georgia | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Jenkins, Georgia | 1 | $ 140,000 | $ 140,000 | $ 33,000 |
| Liberty, Georgia | 1 | $ 197,000 | $ 197,000 | $ 74,000 |
| Lincoln, Georgia | 1 | $ 89,000 | $ 89,000 | $ 90,000 |
| Long, Georgia | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Lowndes, Georgia | 1 | $ 48,000 | $ 48,000 | $ 50,000 |
| Monroe, Georgia | 1 | $ 82,000 | $ 82,000 | $ 68,000 |
| Montgomery, Georgia | 1 | $ 108,000 | $ 108,000 | $ 30,000 |
| Murray, Georgia | 1 | $ 80,000 | $ 80,000 | $ 56,000 |
| Oglethorpe, Georgia | 1 | $ 221,000 | $ 221,000 | $ 98,000 |
| Peach, Georgia | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| Pierce, Georgia | 1 | $ 111,000 | $ 111,000 | $ 30,000 |
| Pike, Georgia | 1 | $ 83,000 | $ 83,000 | $ 19,000 |
| Rabun, Georgia | 1 | $ 176,000 | $ 176,000 | $ 59,000 |
| Terrell, Georgia | 1 | $ 57,000 | $ 57,000 | $ 17,000 |
| Toombs, Georgia | 1 | $ 121,000 | $ 121,000 | $ 36,000 |
| Towns, Georgia | 1 | $ 294,000 | $ 294,000 | $ 54,000 |
| Union, Georgia | 1 | $ 292,000 | $ 292,000 | $ 55,000 |
| Wayne, Georgia | 1 | $ 143,000 | $ 143,000 | $ 28,000 |
| White, Georgia | 1 | $ 222,000 | $ 222,000 | $ 85,000 |
| Wilcox, Georgia | 1 | $ 117,000 | $ 117,000 | $ 43,000 |
| Wilkes, Georgia | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Anne Arundel, Maryland | 1 | $ 278,000 | $ 278,000 | $ 86,000 |
| Baltimore, Maryland | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Cecil, Maryland | 1 | $ 206,000 | $ 206,000 | $ 57,000 |
| St. Mary's, Maryland | 1 | $ 205,000 | $ 205,000 | $ 34,000 |
| Alamance, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Brunswick, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Carteret, North Carolina | 1 | $ 241,000 | $ 241,000 | $ 96,000 |
| Chatham, North Carolina | 1 | $ 224,000 | $ 224,000 | $ 51,000 |
| Cherokee, North Carolina | 1 | $ 167,000 | $ 167,000 | $ 30,000 |
| Cleveland, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Columbus, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 51,000 |
| Craven, North Carolina | 1 | $ 174,000 | $ 174,000 | $ 48,000 |
| Davidson, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 35,000 |
| Edgecombe, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Franklin, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 26,000 |
| Granville, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Iredell, North Carolina | 1 | $ 293,000 | $ 293,000 | $ 120,000 |
| McDowell, North Carolina | 1 | $ 230,000 | $ 230,000 | $ 71,000 |
| Nash, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Randolph, North Carolina | 1 | $ 253,000 | $ 253,000 | $ 81,000 |
| Rockingham, North Carolina | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Rowan, North Carolina | 1 | $ 226,000 | $ 226,000 | $ 84,000 |
| Surry, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Wayne, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 71,000 |
| Beaufort, South Carolina | 1 | $ 196,000 | $ 196,000 | $ 28,000 |
| Berkeley, South Carolina | 1 | $ 138,000 | $ 138,000 | $ 33,000 |
| Dorchester, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Orangeburg, South Carolina | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Pickens, South Carolina | 1 | $ 261,000 | $ 261,000 | $ 69,000 |
| Richland, South Carolina | 1 | $ 213,000 | $ 213,000 | $ 108,000 |
| Spartanburg, South Carolina | 1 | $ 82,000 | $ 82,000 | $ 35,000 |
| Williamsburg, South Carolina | 1 | $ 166,000 | $ 166,000 | $ 88,000 |
| Cumberland, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Dickson, Tennessee | 1 | $ 226,000 | $ 226,000 | $ 72,000 |
| Dyer, Tennessee | 1 | $ 129,000 | $ 129,000 | $ 28,000 |
| Franklin, Tennessee | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Gibson, Tennessee | 1 | $ 89,000 | $ 89,000 | $ 62,000 |
| Greene, Tennessee | 1 | $ 186,000 | $ 186,000 | $ 50,000 |
| Henderson, Tennessee | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Lawrence, Tennessee | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| Maury, Tennessee | 1 | $ 164,000 | $ 164,000 | $ 47,000 |
| Obion, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Rhea, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| Roane, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 72,000 |
| Sevier, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 32,000 |
| Sullivan, Tennessee | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
| Warren, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 59,000 |
| Washington, Tennessee | 1 | $ 113,000 | $ 113,000 | $ 28,000 |
| Amelia, Virginia | 1 | $ 94,000 | $ 94,000 | $ 21,000 |
| Clarke, Virginia | 1 | $ 457,000 | $ 457,000 | $ 145,000 |
| Essex, Virginia | 1 | $ 146,000 | $ 146,000 | $ 52,000 |
| Fairfax, Virginia | 1 | $ 231,000 | $ 231,000 | $ 46,000 |
| Goochland, Virginia | 1 | $ 222,000 | $ 222,000 | $ 36,000 |
| Henrico, Virginia | 1 | $ 212,000 | $ 212,000 | $ 75,000 |
| Portsmouth, Virginia | 1 | $ 397,000 | $ 397,000 | $ 87,000 |
| Smyth, Virginia | 1 | $ 101,000 | $ 101,000 | $ 20,000 |
| Spotsylvania, Virginia | 1 | $ 207,000 | $ 207,000 | $ 84,000 |
| Virginia Beach, Virginia | 1 | $ 337,000 | $ 337,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic Financial Service in 2008
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 | 1,002 | $162,321,000 | $161,000 | $495,000 | $58,000 | $772,000 |
| Home Purchase | 347 | $61,259,000 | $176,000 | $1,100,000 | $75,000 | $1,105,000 |
| Home Improvement | 54 | $8,152,000 | $150,000 | $370,000 | $59,000 | $220,000 |
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 | 683 | $117,361,000 | $171,000 | $588,000 | $71,000 | $1,105,000 |
| Black or African American | 414 | $65,674,000 | $158,000 | $1,100,000 | $52,000 | $280,000 |
| Not Provided | 244 | $37,973,000 | $155,000 | $417,000 | $56,000 | $553,000 |
| Hispanic | 39 | $6,259,000 | $160,000 | $417,000 | $54,000 | $180,000 |
| Asian | 11 | $2,059,000 | $187,000 | $354,000 | $67,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,394,000 | $199,000 | $287,000 | $60,000 | $124,000 |
| American Indian or Alaskan Native | 5 | $1,012,000 | $202,000 | $291,000 | $57,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 926 | $141,399,000 | $152,000 | $457,000 | $49,000 | $203,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 470 | $89,150,000 | $189,000 | $1,100,000 | $88,000 | $1,105,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,183,000 | $169,000 | $332,000 | $79,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 824 | $133,905,000 | $162,000 | $1,100,000 | $63,000 | $553,000 |
| Application Withdrawn By Applicant | 342 | $58,446,000 | $170,000 | $588,000 | $63,000 | $772,000 |
| Application Denied By Financial Institution | 201 | $33,172,000 | $165,000 | $417,000 | $59,000 | $1,105,000 |
| Application Approved But Not Accepted | 32 | $5,043,000 | $157,000 | $399,000 | $62,000 | $442,000 |
| File Closed For Incompleteness | 3 | $904,000 | $301,000 | $417,000 | $63,000 | $110,000 |
| Preapproval Denied by Financial Institution | 1 | $262,000 | $262,000 | $262,000 | $108,000 | $108,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 21 | $3,406,000 | $162,000 | $292,000 | $44,000 | $78,000 |
| Credit History | 18 | $2,405,000 | $133,000 | $184,000 | $30,000 | $101,000 |
| Credit Application Incomplete | 12 | $1,636,000 | $136,000 | $194,000 | $41,000 | $78,000 |
| Collateral | 11 | $1,377,000 | $125,000 | $182,000 | $54,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $550,000 | $183,000 | $278,000 | $55,000 | $86,000 |
| Unverifiable Information | 3 | $562,000 | $187,000 | $239,000 | $15,000 | $46,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $36,000 | $36,000 |
| Employment History | 1 | $86,000 | $86,000 | $86,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic Financial Service's 2008 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 Financial Service'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 Georgia, 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
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