Mid-Atlantic Financial Service Mortgage Lending & HMDA Data, 2003
In 2003, Mid-Atlantic Financial Service of Atlanta, GA reported 2,166 mortgage applications totaling $293.7 million. The average application was for $135,576, and applicants reported an average income of $52,198. 63% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta, GA (1,747), Macon, GA (42) and Columbus, GA-AL (25) (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 | 2,166 |
| Total Mortgage Loan Application Amount | $293,659,000 |
| Average Mortgage Loan Application Amount | $135,576 |
| Highest Mortgage Loan Application Amount | $562,000 |
| Average Applicant Income | $52,198 |
| Highest Applicant Income | $870,000 |
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records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 287 | $ 40,856,000 | $ 142,355 | $ 51,000 |
| Cobb, Georgia | 253 | $ 37,022,000 | $ 146,332 | $ 65,000 |
| DeKalb, Georgia | 213 | $ 30,061,000 | $ 141,131 | $ 56,000 |
| Fulton, Georgia | 189 | $ 31,969,000 | $ 169,148 | $ 71,000 |
| Henry, Georgia | 111 | $ 14,490,000 | $ 130,540 | $ 44,000 |
| Paulding, Georgia | 110 | $ 13,454,000 | $ 122,309 | $ 51,000 |
| Coweta, Georgia | 87 | $ 11,905,000 | $ 136,839 | $ 56,000 |
| Douglas, Georgia | 87 | $ 10,433,000 | $ 119,919 | $ 38,000 |
| Hall, Georgia | 85 | $ 11,142,000 | $ 131,082 | $ 53,000 |
| Cherokee, Georgia | 76 | $ 11,618,000 | $ 152,868 | $ 56,000 |
| Forsyth, Georgia | 70 | $ 10,730,000 | $ 153,285 | $ 67,000 |
| Fayette, Georgia | 59 | $ 10,333,000 | $ 175,135 | $ 61,000 |
| Walton, Georgia | 47 | $ 5,171,000 | $ 110,021 | $ 38,000 |
| Clayton, Georgia | 46 | $ 5,915,000 | $ 128,586 | $ 43,000 |
| Newton, Georgia | 33 | $ 3,696,000 | $ 112,000 | $ 50,000 |
| Floyd, Georgia | 26 | $ 2,410,000 | $ 92,692 | $ 38,000 |
| Spalding, Georgia | 24 | $ 2,267,000 | $ 94,458 | $ 30,000 |
| Bibb, Georgia | 23 | $ 1,985,000 | $ 86,304 | $ 35,000 |
| Polk, Georgia | 23 | $ 2,059,000 | $ 89,521 | $ 41,000 |
| Dougherty, Georgia | 20 | $ 1,357,000 | $ 67,850 | $ 35,000 |
| Chatham, Georgia | 19 | $ 1,707,000 | $ 89,842 | $ 54,000 |
| Houston, Georgia | 19 | $ 1,692,000 | $ 89,052 | $ 41,000 |
| Barrow, Georgia | 18 | $ 1,927,000 | $ 107,055 | $ 41,000 |
| Carroll, Georgia | 17 | $ 2,202,000 | $ 129,529 | $ 39,000 |
| Butts, Georgia | 14 | $ 1,713,000 | $ 122,357 | $ 47,000 |
| Dawson, Georgia | 14 | $ 1,996,000 | $ 142,571 | $ 66,000 |
| Muscogee, Georgia | 13 | $ 1,677,000 | $ 129,000 | $ 54,000 |
| Davidson, Tennessee | 13 | $ 2,228,000 | $ 171,384 | $ 55,000 |
| Harris, Georgia | 12 | $ 1,101,000 | $ 91,750 | $ 81,000 |
| Pike, Georgia | 11 | $ 1,461,000 | $ 132,818 | $ 43,000 |
| Rockdale, Georgia | 11 | $ 1,329,000 | $ 120,818 | $ 58,000 |
| Troup, Georgia | 8 | $ 612,000 | $ 76,500 | $ 47,000 |
| Duval, Florida | 7 | $ 801,000 | $ 114,428 | $ 63,000 |
| Lamar, Georgia | 7 | $ 1,024,000 | $ 146,285 | $ 73,000 |
| Haralson, Georgia | 6 | $ 783,000 | $ 130,500 | $ 48,000 |
| Bartow, Georgia | 5 | $ 500,000 | $ 100,000 | $ 41,000 |
| Macon, Georgia | 5 | $ 495,000 | $ 99,000 | $ 30,000 |
| Sumter, Georgia | 5 | $ 323,000 | $ 64,600 | $ 53,000 |
| Pickens, Georgia | 4 | $ 398,000 | $ 99,500 | $ 48,000 |
| Shelby, Tennessee | 4 | $ 312,000 | $ 78,000 | $ 41,000 |
| Escambia, Florida | 3 | $ 243,000 | $ 81,000 | $ 18,000 |
| Effingham, Georgia | 3 | $ 281,000 | $ 93,666 | $ 70,000 |
| Lee, Georgia | 3 | $ 237,000 | $ 79,000 | $ 83,000 |
| Schley, Georgia | 3 | $ 270,000 | $ 90,000 | $ 48,000 |
| Worth, Georgia | 3 | $ 326,000 | $ 108,666 | $ 24,000 |
| Gilmer, Georgia | 2 | $ 400,000 | $ 200,000 | $ 106,000 |
| Habersham, Georgia | 2 | $ 441,000 | $ 220,500 | $ 57,000 |
| Upson, Georgia | 2 | $ 253,000 | $ 126,500 | $ 68,000 |
| Rutherford, Tennessee | 2 | $ 239,000 | $ 119,500 | $ 71,000 |
| Bay, Florida | 1 | $ 89,000 | $ 89,000 | $ 93,000 |
| Palm Beach, Florida | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Santa Rosa, Florida | 1 | $ 323,000 | $ 323,000 | $ 180,000 |
| Chattooga, Georgia | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Clarke, Georgia | 1 | $ 173,000 | $ 173,000 | $ 106,000 |
| Columbia, Georgia | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Crawford, Georgia | 1 | $ 151,000 | $ 151,000 | $ 101,000 |
| Fannin, Georgia | 1 | $ 203,000 | $ 203,000 | $ 116,000 |
| Greene, Georgia | 1 | $ 23,000 | $ 23,000 | $ 100,000 |
| Heard, Georgia | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Jackson, Georgia | 1 | $ 121,000 | $ 121,000 | $ 46,000 |
| Jasper, Georgia | 1 | $ 223,000 | $ 223,000 | $ 109,000 |
| Monroe, Georgia | 1 | $ 234,000 | $ 234,000 | $ 81,000 |
| Morgan, Georgia | 1 | $ 107,000 | $ 107,000 | $ 72,000 |
| Putnam, Georgia | 1 | $ 144,000 | $ 144,000 | $ 69,000 |
| Rabun, Georgia | 1 | $ 323,000 | $ 323,000 | $ 280,000 |
| Randolph, Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Union, Georgia | 1 | $ 112,000 | $ 112,000 | $ 115,000 |
| Walker, Georgia | 1 | $ 79,000 | $ 79,000 | $ 56,000 |
| White, Georgia | 1 | $ 214,000 | $ 214,000 | $ 74,000 |
| Wilcox, Georgia | 1 | $ 132,000 | $ 132,000 | $ 43,000 |
| Houston, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Moore, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic Financial Service 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) | 2,080 | $282,077,000 | $125,000 | $516,000 | $49,250 | $870,000 |
| Home Purchase (one-to-four family) | 86 | $11,582,000 | $118,666 | $562,000 | $56,666 | $205,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,596 | $220,753,000 | $127,000 | $562,000 | $58,750 | $870,000 |
| Black | 445 | $55,681,000 | $105,333 | $417,000 | $51,666 | $218,000 |
| Hispanic | 47 | $5,645,000 | $99,000 | $410,000 | $21,000 | $180,000 |
| Other | 30 | $4,595,000 | $157,500 | $308,000 | $72,500 | $255,000 |
| Asian or Pacific Islander | 22 | $3,445,000 | $156,000 | $424,000 | $90,000 | $268,000 |
| Information not provided by applicant in mail or telephone application | 22 | $3,042,000 | $88,666 | $323,000 | $30,333 | $140,000 |
| American Indian or Alaskan Native | 4 | $498,000 | $137,000 | $162,000 | $53,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,925 | $264,428,000 | $124,000 | $562,000 | $61,000 | $870,000 |
| FHA-insured (Federal Housing Administration) | 202 | $24,542,000 | $100,750 | $179,000 | $18,250 | $184,000 |
| VA-guaranteed (Veterans Administration) | 39 | $4,689,000 | $107,000 | $203,000 | $39,000 | $107,000 |
| 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 | 1,362 | $188,586,000 | $136,000 | $476,000 | $45,000 | $870,000 |
| Application Withdrawn By Applicant | 676 | $88,251,000 | $119,500 | $562,000 | $60,000 | $441,000 |
| Application Denied By Financial Institution | 123 | $16,151,000 | $110,333 | $457,000 | $55,666 | $373,000 |
| Application Approved But Not Accepted | 5 | $671,000 | $106,000 | $213,000 | $44,000 | $55,000 |
| 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 | 33 | $4,895,000 | $148,000 | $457,000 | $77,000 | $280,000 |
| Debt-To-Income Ratio | 30 | $3,962,000 | $132,000 | $275,000 | $42,000 | $111,000 |
| Other | 15 | $1,724,000 | $114,000 | $234,000 | $53,000 | $116,000 |
| Collateral | 7 | $1,081,000 | $136,500 | $343,000 | $59,500 | $373,000 |
| Employment History | 2 | $249,000 | $124,000 | $153,000 | $70,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $72,000 | $72,000 | $72,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic Financial Service'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 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.
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