Mid-Atlantic Financial Service Mortgage Lending & HMDA Data, 2004
In 2004, Mid-Atlantic Financial Service of Atlanta, GA reported 2,262 mortgage applications totaling $284.4 million, up 4% from 2003. The average application was for $125,735, and applicants reported an average income of $48,116. 55% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,854), Gainesville, GA (43) and Columbus, GA-AL (38) (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 | 2,262 |
| Total Mortgage Loan Application Amount | $284,413,000 |
| Average Mortgage Loan Application Amount | $125,735 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $48,116 |
| Highest Applicant Income | $1,046,000 |
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records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cobb, Georgia | 274 | $ 36,275,000 | $ 132,390 | $ 50,000 |
| DeKalb, Georgia | 254 | $ 31,965,000 | $ 125,846 | $ 40,000 |
| Fulton, Georgia | 234 | $ 33,569,000 | $ 143,457 | $ 64,000 |
| Gwinnett, Georgia | 209 | $ 29,957,000 | $ 143,334 | $ 47,000 |
| Clayton, Georgia | 152 | $ 17,257,000 | $ 113,532 | $ 43,000 |
| Henry, Georgia | 101 | $ 13,410,000 | $ 132,772 | $ 47,000 |
| Coweta, Georgia | 87 | $ 11,209,000 | $ 128,839 | $ 69,000 |
| Cherokee, Georgia | 75 | $ 9,968,000 | $ 132,906 | $ 50,000 |
| Paulding, Georgia | 75 | $ 8,944,000 | $ 119,253 | $ 46,000 |
| Newton, Georgia | 62 | $ 7,682,000 | $ 123,903 | $ 39,000 |
| Douglas, Georgia | 52 | $ 5,886,000 | $ 113,192 | $ 44,000 |
| Hall, Georgia | 43 | $ 4,516,000 | $ 105,023 | $ 29,000 |
| Forsyth, Georgia | 37 | $ 6,235,000 | $ 168,513 | $ 49,000 |
| Walton, Georgia | 36 | $ 4,534,000 | $ 125,944 | $ 41,000 |
| Fayette, Georgia | 34 | $ 5,569,000 | $ 163,794 | $ 80,000 |
| Muscogee, Georgia | 33 | $ 2,475,000 | $ 75,000 | $ 38,000 |
| Duval, Florida | 31 | $ 3,902,000 | $ 125,870 | $ 51,000 |
| Spalding, Georgia | 27 | $ 2,517,000 | $ 93,222 | $ 43,000 |
| Carroll, Georgia | 26 | $ 2,612,000 | $ 100,461 | $ 45,000 |
| Rockdale, Georgia | 26 | $ 3,271,000 | $ 125,807 | $ 38,000 |
| Orange, Florida | 25 | $ 3,257,000 | $ 130,280 | $ 55,000 |
| Bibb, Georgia | 23 | $ 1,780,000 | $ 77,391 | $ 36,000 |
| Bartow, Georgia | 22 | $ 2,401,000 | $ 109,136 | $ 53,000 |
| Davidson, Tennessee | 21 | $ 2,066,000 | $ 98,380 | $ 25,000 |
| Barrow, Georgia | 19 | $ 1,964,000 | $ 103,368 | $ 39,000 |
| Polk, Georgia | 18 | $ 1,573,000 | $ 87,388 | $ 38,000 |
| Shelby, Tennessee | 18 | $ 1,888,000 | $ 104,888 | $ 58,000 |
| Pike, Georgia | 17 | $ 2,229,000 | $ 131,117 | $ 34,000 |
| Troup, Georgia | 14 | $ 1,290,000 | $ 92,142 | $ 37,000 |
| Gordon, Georgia | 13 | $ 1,073,000 | $ 82,538 | $ 39,000 |
| Whitfield, Georgia | 13 | $ 1,139,000 | $ 87,615 | $ 34,000 |
| Floyd, Georgia | 12 | $ 1,109,000 | $ 92,416 | $ 53,000 |
| Butts, Georgia | 10 | $ 911,000 | $ 91,100 | $ 47,000 |
| Hamilton, Tennessee | 9 | $ 693,000 | $ 77,000 | $ 39,000 |
| Haralson, Georgia | 8 | $ 882,000 | $ 110,250 | $ 54,000 |
| Lamar, Georgia | 7 | $ 922,000 | $ 131,714 | $ 59,000 |
| Dougherty, Georgia | 5 | $ 439,000 | $ 87,800 | $ 51,000 |
| Harris, Georgia | 5 | $ 585,000 | $ 117,000 | $ 43,000 |
| Rutherford, Tennessee | 5 | $ 431,000 | $ 86,200 | $ 30,000 |
| Seminole, Florida | 4 | $ 460,000 | $ 115,000 | $ 41,000 |
| Chatham, Georgia | 4 | $ 398,000 | $ 99,500 | $ 67,000 |
| Clarke, Georgia | 4 | $ 470,000 | $ 117,500 | $ 66,000 |
| Heard, Georgia | 4 | $ 324,000 | $ 81,000 | $ 49,000 |
| Houston, Georgia | 4 | $ 252,000 | $ 63,000 | $ 53,000 |
| Meriwether, Georgia | 4 | $ 509,000 | $ 127,250 | $ 46,000 |
| Chesterfield, Virginia | 4 | $ 1,047,000 | $ 261,750 | $ 104,000 |
| Jefferson, Alabama | 3 | $ 422,000 | $ 140,666 | $ 92,000 |
| Lee, Florida | 3 | $ 314,000 | $ 104,666 | $ 27,000 |
| Leon, Florida | 3 | $ 203,000 | $ 67,666 | $ 60,000 |
| Okaloosa, Florida | 3 | $ 397,000 | $ 132,333 | $ 54,000 |
| Camden, Georgia | 3 | $ 250,000 | $ 83,333 | $ 70,000 |
| Jackson, Georgia | 3 | $ 975,000 | $ 325,000 | $ 123,000 |
| Oconee, Georgia | 3 | $ 501,000 | $ 167,000 | $ 103,000 |
| Knox, Tennessee | 3 | $ 258,000 | $ 86,000 | $ 42,000 |
| Fairfax, Virginia | 3 | $ 652,000 | $ 217,333 | $ 68,000 |
| Broward, Florida | 2 | $ 522,000 | $ 261,000 | $ 66,000 |
| Escambia, Florida | 2 | $ 104,000 | $ 52,000 | $ 12,000 |
| Flagler, Florida | 2 | $ 652,000 | $ 326,000 | $ 192,000 |
| Columbia, Georgia | 2 | $ 158,000 | $ 79,000 | $ 18,000 |
| Greene, Georgia | 2 | $ 446,000 | $ 223,000 | $ 134,000 |
| Lee, Georgia | 2 | $ 126,000 | $ 63,000 | $ 41,000 |
| Terrell, Georgia | 2 | $ 94,000 | $ 47,000 | $ 38,000 |
| Twiggs, Georgia | 2 | $ 138,000 | $ 69,000 | $ 21,000 |
| Upson, Georgia | 2 | $ 145,000 | $ 72,500 | $ 60,000 |
| Sullivan, Tennessee | 2 | $ 147,000 | $ 73,500 | $ 32,000 |
| Hampton, Virginia | 2 | $ 161,000 | $ 80,500 | $ 27,000 |
| Clay, Alabama | 1 | $ 26,000 | $ 26,000 | $ 98,000 |
| Bay, Florida | 1 | $ 84,000 | $ 84,000 | $ 96,000 |
| Charlotte, Florida | 1 | $ 314,000 | $ 314,000 | $ 69,000 |
| Clay, Florida | 1 | $ 104,000 | $ 104,000 | $ 89,000 |
| Hillsborough, Florida | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Manatee, Florida | 1 | $ 84,000 | $ 84,000 | $ 24,000 |
| Marion, Florida | 1 | $ 118,000 | $ 118,000 | $ 49,000 |
| Miami-Dade, Florida | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Nassau, Florida | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Santa Rosa, Florida | 1 | $ 54,000 | $ 54,000 | $ 18,000 |
| St. Johns, Florida | 1 | $ 137,000 | $ 137,000 | $ 91,000 |
| St. Lucie, Florida | 1 | $ 82,000 | $ 82,000 | $ 65,000 |
| Walton, Florida | 1 | $ 67,000 | $ 67,000 | $ 174,000 |
| Washington, Florida | 1 | $ 187,000 | $ 187,000 | $ 62,000 |
| Baldwin, Georgia | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Brooks, Georgia | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Coffee, Georgia | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Gilmer, Georgia | 1 | $ 127,000 | $ 127,000 | $ 70,000 |
| Glynn, Georgia | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Habersham, Georgia | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Jasper, Georgia | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Jenkins, Georgia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Jones, Georgia | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Murray, Georgia | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Pickens, Georgia | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Putnam, Georgia | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Stephens, Georgia | 1 | $ 200,000 | $ 200,000 | $ 186,000 |
| Talbot, Georgia | 1 | $ 74,000 | $ 74,000 | $ 19,000 |
| Towns, Georgia | 1 | $ 359,000 | $ 359,000 | $ 82,000 |
| Union, Georgia | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| White, Georgia | 1 | $ 125,000 | $ 125,000 | $ 360,000 |
| Wilkes, Georgia | 1 | $ 63,000 | $ 63,000 | $ 66,000 |
| Jasper, Missouri | 1 | $ 22,000 | $ 22,000 | $ 60,000 |
| Pemiscot, Missouri | 1 | $ 53,000 | $ 53,000 | $ 25,000 |
| Texas, Missouri | 1 | $ 69,000 | $ 69,000 | $ 32,000 |
| Anderson, South Carolina | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Charleston, South Carolina | 1 | $ 84,000 | $ 84,000 | $ 52,000 |
| Anderson, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 45,000 |
| Blount, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Cheatham, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 33,000 |
| Cumberland, Tennessee | 1 | $ 79,000 | $ 79,000 | $ 50,000 |
| Hardin, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Loudon, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Montgomery, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Morgan, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Obion, Tennessee | 1 | $ 42,000 | $ 42,000 | $ 20,000 |
| Robertson, Tennessee | 1 | $ 179,000 | $ 179,000 | $ 42,000 |
| Stewart, Tennessee | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Union, Tennessee | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Washington, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Alexandria, Virginia | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| Norfolk, Virginia | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Stafford, Virginia | 1 | $ 272,000 | $ 272,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic Financial Service in 2004
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 | 2,135 | $267,126,000 | $112,142 | $850,000 | $56,428 | $1,046,000 |
| Home Purchase | 125 | $17,160,000 | $148,200 | $438,000 | $72,000 | $486,000 |
| Home Improvement | 2 | $127,000 | $63,500 | $77,000 | $38,000 | $51,000 |
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 | 1,111 | $147,257,000 | $121,333 | $850,000 | $63,833 | $919,000 |
| Black or African American | 790 | $93,681,000 | $94,000 | $397,000 | $34,000 | $480,000 |
| Not Provided | 247 | $28,925,000 | $111,833 | $605,000 | $53,166 | $1,046,000 |
| Hispanic | 88 | $11,070,000 | $101,250 | $356,000 | $42,750 | $120,000 |
| Asian | 19 | $2,814,000 | $114,333 | $288,000 | $47,333 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $401,000 | $104,000 | $112,000 | $45,500 | $61,000 |
| American Indian or Alaskan Native | 3 | $265,000 | $88,000 | $119,000 | $48,000 | $86,000 |
| 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) | 1,938 | $244,001,000 | $110,857 | $850,000 | $57,000 | $1,046,000 |
| FHA-insured (Federal Housing Administration) | 306 | $38,113,000 | $124,666 | $227,000 | $42,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,299,000 | $97,333 | $240,000 | $35,000 | $76,000 |
| 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 | 1,238 | $158,392,000 | $119,857 | $605,000 | $56,142 | $919,000 |
| Application Withdrawn By Applicant | 794 | $97,420,000 | $86,000 | $600,000 | $55,428 | $1,046,000 |
| Application Denied By Financial Institution | 175 | $21,616,000 | $110,000 | $850,000 | $47,000 | $229,000 |
| Application Approved But Not Accepted | 55 | $6,985,000 | $140,666 | $306,000 | $48,666 | $185,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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 2004 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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