Mid-Atlantic Financial Service Mortgage Lending & HMDA Data, 2006
In 2006, Mid-Atlantic Financial Service of Atlanta, GA reported 2,413 mortgage applications totaling $306.2 million, down 11% from 2005. The average application was for $126,884, and applicants reported an average income of $64,236. 41% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,419), Jacksonville, FL (89) and Charlotte-Gastonia-Concord, NC-SC (67) (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 | 2,413 |
| Total Mortgage Loan Application Amount | $306,173,000 |
| Average Mortgage Loan Application Amount | $126,884 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $64,236 |
| Highest Applicant Income | $1,005,000 |
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records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fulton, Georgia | 243 | $ 35,170,000 | $ 144,732 | $ 87,000 |
| Cobb, Georgia | 234 | $ 33,701,000 | $ 144,021 | $ 78,000 |
| DeKalb, Georgia | 189 | $ 22,699,000 | $ 120,100 | $ 83,000 |
| Gwinnett, Georgia | 113 | $ 16,802,000 | $ 148,690 | $ 62,000 |
| Clayton, Georgia | 82 | $ 8,129,000 | $ 99,134 | $ 53,000 |
| Duval, Florida | 80 | $ 8,768,000 | $ 109,600 | $ 65,000 |
| Paulding, Georgia | 76 | $ 8,883,000 | $ 116,881 | $ 53,000 |
| Cherokee, Georgia | 67 | $ 10,615,000 | $ 158,432 | $ 80,000 |
| Henry, Georgia | 64 | $ 8,711,000 | $ 136,109 | $ 69,000 |
| Newton, Georgia | 47 | $ 5,461,000 | $ 116,191 | $ 50,000 |
| Coweta, Georgia | 42 | $ 5,298,000 | $ 126,142 | $ 71,000 |
| Carroll, Georgia | 38 | $ 3,298,000 | $ 86,789 | $ 75,000 |
| Richmond, Georgia | 38 | $ 3,301,000 | $ 86,868 | $ 49,000 |
| Mecklenburg, North Carolina | 37 | $ 4,963,000 | $ 134,135 | $ 50,000 |
| Douglas, Georgia | 33 | $ 3,917,000 | $ 118,696 | $ 61,000 |
| Chatham, Georgia | 31 | $ 3,288,000 | $ 106,064 | $ 37,000 |
| Bartow, Georgia | 30 | $ 4,023,000 | $ 134,100 | $ 75,000 |
| Forsyth, Georgia | 28 | $ 4,711,000 | $ 168,250 | $ 63,000 |
| Bibb, Georgia | 27 | $ 2,202,000 | $ 81,555 | $ 40,000 |
| Muscogee, Georgia | 27 | $ 2,826,000 | $ 104,666 | $ 59,000 |
| Hall, Georgia | 24 | $ 3,470,000 | $ 144,583 | $ 51,000 |
| Spalding, Georgia | 23 | $ 1,832,000 | $ 79,652 | $ 54,000 |
| Orange, Florida | 22 | $ 4,347,000 | $ 197,590 | $ 51,000 |
| Fayette, Georgia | 22 | $ 3,607,000 | $ 163,954 | $ 68,000 |
| Dougherty, Georgia | 20 | $ 1,455,000 | $ 72,750 | $ 31,000 |
| Baltimore City, Maryland | 20 | $ 2,066,000 | $ 103,300 | $ 38,000 |
| Houston, Georgia | 19 | $ 1,741,000 | $ 91,631 | $ 59,000 |
| Troup, Georgia | 18 | $ 1,752,000 | $ 97,333 | $ 49,000 |
| Barrow, Georgia | 16 | $ 1,685,000 | $ 105,312 | $ 52,000 |
| Prince George's, Maryland | 15 | $ 3,418,000 | $ 227,866 | $ 64,000 |
| Polk, Florida | 13 | $ 1,550,000 | $ 119,230 | $ 84,000 |
| Rockdale, Georgia | 13 | $ 1,710,000 | $ 131,538 | $ 46,000 |
| Hillsborough, Florida | 12 | $ 1,330,000 | $ 110,833 | $ 65,000 |
| Columbia, Georgia | 12 | $ 1,103,000 | $ 91,916 | $ 57,000 |
| Walton, Georgia | 12 | $ 1,480,000 | $ 123,333 | $ 56,000 |
| Baltimore, Maryland | 12 | $ 1,662,000 | $ 138,500 | $ 50,000 |
| Cabarrus, North Carolina | 12 | $ 1,471,000 | $ 122,583 | $ 29,000 |
| Walker, Georgia | 11 | $ 1,042,000 | $ 94,727 | $ 38,000 |
| Clarke, Georgia | 10 | $ 784,000 | $ 78,400 | $ 43,000 |
| Haralson, Georgia | 10 | $ 1,104,000 | $ 110,400 | $ 58,000 |
| Catoosa, Georgia | 9 | $ 790,000 | $ 87,777 | $ 38,000 |
| Gordon, Georgia | 9 | $ 790,000 | $ 87,777 | $ 47,000 |
| Harris, Georgia | 9 | $ 1,371,000 | $ 152,333 | $ 57,000 |
| Peach, Georgia | 9 | $ 534,000 | $ 59,333 | $ 72,000 |
| Pike, Georgia | 9 | $ 923,000 | $ 102,555 | $ 73,000 |
| Union, North Carolina | 9 | $ 1,325,000 | $ 147,222 | $ 53,000 |
| Lee, Alabama | 8 | $ 1,604,000 | $ 200,500 | $ 63,000 |
| Lee, Florida | 8 | $ 1,333,000 | $ 166,625 | $ 69,000 |
| Lamar, Georgia | 8 | $ 939,000 | $ 117,375 | $ 52,000 |
| Polk, Georgia | 8 | $ 755,000 | $ 94,375 | $ 46,000 |
| Ware, Georgia | 8 | $ 518,000 | $ 64,750 | $ 31,000 |
| Hampton, Virginia | 8 | $ 917,000 | $ 114,625 | $ 29,000 |
| Virginia Beach, Virginia | 8 | $ 1,051,000 | $ 131,375 | $ 41,000 |
| Osceola, Florida | 7 | $ 1,294,000 | $ 184,857 | $ 45,000 |
| Coffee, Georgia | 7 | $ 487,000 | $ 69,571 | $ 27,000 |
| Colquitt, Georgia | 7 | $ 527,000 | $ 75,285 | $ 33,000 |
| Thomas, Georgia | 7 | $ 519,000 | $ 74,142 | $ 38,000 |
| Fairfax, Virginia | 7 | $ 1,998,000 | $ 285,428 | $ 100,000 |
| Prince William, Virginia | 7 | $ 2,024,000 | $ 289,142 | $ 78,000 |
| Clay, Florida | 6 | $ 532,000 | $ 88,666 | $ 66,000 |
| Seminole, Florida | 6 | $ 794,000 | $ 132,333 | $ 37,000 |
| Bryan, Georgia | 6 | $ 730,000 | $ 121,666 | $ 64,000 |
| Butts, Georgia | 6 | $ 688,000 | $ 114,666 | $ 48,000 |
| Decatur, Georgia | 6 | $ 728,000 | $ 121,333 | $ 33,000 |
| Franklin, Georgia | 6 | $ 913,000 | $ 152,166 | $ 59,000 |
| Lee, Georgia | 6 | $ 625,000 | $ 104,166 | $ 62,000 |
| Toombs, Georgia | 6 | $ 732,000 | $ 122,000 | $ 67,000 |
| Whitfield, Georgia | 6 | $ 377,000 | $ 62,833 | $ 17,000 |
| Anne Arundel, Maryland | 6 | $ 1,499,000 | $ 249,833 | $ 80,000 |
| Chesterfield, Virginia | 6 | $ 1,126,000 | $ 187,666 | $ 84,000 |
| Brevard, Florida | 5 | $ 607,000 | $ 121,400 | $ 45,000 |
| Lake, Florida | 5 | $ 722,000 | $ 144,400 | $ 42,000 |
| Camden, Georgia | 5 | $ 564,000 | $ 112,800 | $ 45,000 |
| Floyd, Georgia | 5 | $ 474,000 | $ 94,800 | $ 40,000 |
| Lowndes, Georgia | 5 | $ 401,000 | $ 80,200 | $ 33,000 |
| Madison, Georgia | 5 | $ 506,000 | $ 101,200 | $ 47,000 |
| Meriwether, Georgia | 5 | $ 372,000 | $ 74,400 | $ 49,000 |
| Sumter, Georgia | 5 | $ 431,000 | $ 86,200 | $ 59,000 |
| Carroll, Maryland | 5 | $ 1,343,000 | $ 268,600 | $ 158,000 |
| Montgomery, Maryland | 5 | $ 1,188,000 | $ 237,600 | $ 71,000 |
| Somerset, Maryland | 5 | $ 455,000 | $ 91,000 | $ 58,000 |
| Chambers, Alabama | 4 | $ 301,000 | $ 75,250 | $ 72,000 |
| Jefferson, Alabama | 4 | $ 402,000 | $ 100,500 | $ 49,000 |
| Broward, Florida | 4 | $ 957,000 | $ 239,250 | $ 91,000 |
| Escambia, Florida | 4 | $ 361,000 | $ 90,250 | $ 38,000 |
| Pasco, Florida | 4 | $ 545,000 | $ 136,250 | $ 89,000 |
| Sarasota, Florida | 4 | $ 501,000 | $ 125,250 | $ 45,000 |
| Effingham, Georgia | 4 | $ 388,000 | $ 97,000 | $ 43,000 |
| Emanuel, Georgia | 4 | $ 217,000 | $ 54,250 | $ 32,000 |
| Glynn, Georgia | 4 | $ 438,000 | $ 109,500 | $ 35,000 |
| Grady, Georgia | 4 | $ 386,000 | $ 96,500 | $ 31,000 |
| Greene, Georgia | 4 | $ 270,000 | $ 67,500 | $ 51,000 |
| Heard, Georgia | 4 | $ 306,000 | $ 76,500 | $ 45,000 |
| Jasper, Georgia | 4 | $ 355,000 | $ 88,750 | $ 58,000 |
| Jeff Davis, Georgia | 4 | $ 211,000 | $ 52,750 | $ 18,000 |
| Liberty, Georgia | 4 | $ 369,000 | $ 92,250 | $ 49,000 |
| Monroe, Georgia | 4 | $ 358,000 | $ 89,500 | $ 49,000 |
| Stephens, Georgia | 4 | $ 227,000 | $ 56,750 | $ 33,000 |
| Harford, Maryland | 4 | $ 1,010,000 | $ 252,500 | $ 57,000 |
| St. Mary's, Maryland | 4 | $ 553,000 | $ 138,250 | $ 63,000 |
| Gaston, North Carolina | 4 | $ 322,000 | $ 80,500 | $ 28,000 |
| Wake, North Carolina | 4 | $ 532,000 | $ 133,000 | $ 78,000 |
| York, South Carolina | 4 | $ 332,000 | $ 83,000 | $ 44,000 |
| Henrico, Virginia | 4 | $ 468,000 | $ 117,000 | $ 44,000 |
| Newport News, Virginia | 4 | $ 519,000 | $ 129,750 | $ 42,000 |
| Richmond City, Virginia | 4 | $ 928,000 | $ 232,000 | $ 97,000 |
| Bay, Florida | 3 | $ 531,000 | $ 177,000 | $ 142,000 |
| Charlotte, Florida | 3 | $ 380,000 | $ 126,666 | $ 36,000 |
| Hamilton, Florida | 3 | $ 211,000 | $ 70,333 | $ 25,000 |
| Highlands, Florida | 3 | $ 360,000 | $ 120,000 | $ 39,000 |
| Baldwin, Georgia | 3 | $ 277,000 | $ 92,333 | $ 37,000 |
| Cook, Georgia | 3 | $ 205,000 | $ 68,333 | $ 15,000 |
| Crisp, Georgia | 3 | $ 179,000 | $ 59,666 | $ 23,000 |
| Fannin, Georgia | 3 | $ 271,000 | $ 90,333 | $ 58,000 |
| Irwin, Georgia | 3 | $ 285,000 | $ 95,000 | $ 48,000 |
| Jackson, Georgia | 3 | $ 298,000 | $ 99,333 | $ 51,000 |
| Jones, Georgia | 3 | $ 470,000 | $ 156,666 | $ 42,000 |
| Laurens, Georgia | 3 | $ 183,000 | $ 61,000 | $ 39,000 |
| McDuffie, Georgia | 3 | $ 308,000 | $ 102,666 | $ 43,000 |
| Mitchell, Georgia | 3 | $ 468,000 | $ 156,000 | $ 45,000 |
| Murray, Georgia | 3 | $ 349,000 | $ 116,333 | $ 59,000 |
| Putnam, Georgia | 3 | $ 647,000 | $ 215,666 | $ 152,000 |
| Terrell, Georgia | 3 | $ 207,000 | $ 69,000 | $ 23,000 |
| Washington, Georgia | 3 | $ 262,000 | $ 87,333 | $ 35,000 |
| Calvert, Maryland | 3 | $ 310,000 | $ 103,333 | $ 99,000 |
| Washington, Maryland | 3 | $ 640,000 | $ 213,333 | $ 72,000 |
| Iredell, North Carolina | 3 | $ 844,000 | $ 281,333 | $ 72,000 |
| Hopewell, Virginia | 3 | $ 284,000 | $ 94,666 | $ 50,000 |
| Loudoun, Virginia | 3 | $ 648,000 | $ 216,000 | $ 96,000 |
| New Kent, Virginia | 3 | $ 977,000 | $ 325,666 | $ 76,000 |
| Petersburg, Virginia | 3 | $ 399,000 | $ 133,000 | $ 40,000 |
| Limestone, Alabama | 2 | $ 155,000 | $ 77,500 | $ 134,000 |
| Collier, Florida | 2 | $ 116,000 | $ 58,000 | $ 68,000 |
| Hardee, Florida | 2 | $ 227,000 | $ 113,500 | $ 38,000 |
| Marion, Florida | 2 | $ 123,000 | $ 61,500 | $ 20,000 |
| Nassau, Florida | 2 | $ 348,000 | $ 174,000 | $ 72,000 |
| St. Lucie, Florida | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Brooks, Georgia | 2 | $ 142,000 | $ 71,000 | $ 13,000 |
| Bulloch, Georgia | 2 | $ 163,000 | $ 81,500 | $ 32,000 |
| Chattooga, Georgia | 2 | $ 126,000 | $ 63,000 | $ 13,000 |
| Crawford, Georgia | 2 | $ 151,000 | $ 75,500 | $ 47,000 |
| Dodge, Georgia | 2 | $ 149,000 | $ 74,500 | $ 124,000 |
| Elbert, Georgia | 2 | $ 257,000 | $ 128,500 | $ 29,000 |
| Gilmer, Georgia | 2 | $ 132,000 | $ 66,000 | $ 18,000 |
| Jenkins, Georgia | 2 | $ 120,000 | $ 60,000 | $ 27,000 |
| Lanier, Georgia | 2 | $ 150,000 | $ 75,000 | $ 34,000 |
| Lincoln, Georgia | 2 | $ 151,000 | $ 75,500 | $ 44,000 |
| Pierce, Georgia | 2 | $ 194,000 | $ 97,000 | $ 21,000 |
| Union, Georgia | 2 | $ 143,000 | $ 71,500 | $ 72,000 |
| Upson, Georgia | 2 | $ 185,000 | $ 92,500 | $ 42,000 |
| Allegany, Maryland | 2 | $ 134,000 | $ 67,000 | $ 26,000 |
| Queen Anne's, Maryland | 2 | $ 801,000 | $ 400,500 | $ 183,000 |
| Cleveland, North Carolina | 2 | $ 175,000 | $ 87,500 | $ 30,000 |
| Rowan, North Carolina | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Stanly, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 33,000 |
| Wilkes, North Carolina | 2 | $ 181,000 | $ 90,500 | $ 132,000 |
| Greenville, South Carolina | 2 | $ 259,000 | $ 129,500 | $ 41,000 |
| Davidson, Tennessee | 2 | $ 301,000 | $ 150,500 | $ 105,000 |
| Isle of Wight, Virginia | 2 | $ 245,000 | $ 122,500 | $ 51,000 |
| Mobile, Alabama | 1 | $ 122,000 | $ 122,000 | $ 85,000 |
| Shelby, Alabama | 1 | $ 196,000 | $ 196,000 | $ 54,000 |
| District of Columbia, District Of Columbia | 1 | $ 293,000 | $ 293,000 | $ 67,000 |
| Citrus, Florida | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Flagler, Florida | 1 | $ 414,000 | $ 414,000 | $ 266,000 |
| Hernando, Florida | 1 | $ 148,000 | $ 148,000 | $ 234,000 |
| Manatee, Florida | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Pinellas, Florida | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| St. Johns, Florida | 1 | $ 74,000 | $ 74,000 | $ 30,000 |
| Volusia, Florida | 1 | $ 123,000 | $ 123,000 | $ 22,000 |
| Wakulla, Florida | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Banks, Georgia | 1 | $ 116,000 | $ 116,000 | $ 30,000 |
| Ben Hill, Georgia | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
| Bleckley, Georgia | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Brantley, Georgia | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Burke, Georgia | 1 | $ 80,000 | $ 80,000 | $ 37,000 |
| Calhoun, Georgia | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Candler, Georgia | 1 | $ 94,000 | $ 94,000 | $ 40,000 |
| Clay, Georgia | 1 | $ 44,000 | $ 44,000 | $ 12,000 |
| Dade, Georgia | 1 | $ 74,000 | $ 74,000 | $ 18,000 |
| Habersham, Georgia | 1 | $ 151,000 | $ 151,000 | $ 24,000 |
| Hancock, Georgia | 1 | $ 84,000 | $ 84,000 | $ 32,000 |
| Johnson, Georgia | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Macon, Georgia | 1 | $ 88,000 | $ 88,000 | $ 83,000 |
| McIntosh, Georgia | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Miller, Georgia | 1 | $ 30,000 | $ 30,000 | $ 2,000 |
| Montgomery, Georgia | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Pickens, Georgia | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Randolph, Georgia | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Seminole, Georgia | 1 | $ 58,000 | $ 58,000 | $ 28,000 |
| Talbot, Georgia | 1 | $ 97,000 | $ 97,000 | $ 50,000 |
| Tattnall, Georgia | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Turner, Georgia | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Twiggs, Georgia | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Warren, Georgia | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Wayne, Georgia | 1 | $ 114,000 | $ 114,000 | $ 32,000 |
| Wilcox, Georgia | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Worth, Georgia | 1 | $ 86,000 | $ 86,000 | $ 28,000 |
| Kenton, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 48,000 |
| Caroline, Maryland | 1 | $ 240,000 | $ 240,000 | $ 37,000 |
| Charles, Maryland | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Kent, Maryland | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Wicomico, Maryland | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Jackson, Missouri | 1 | $ 174,000 | $ 174,000 | $ 91,000 |
| Anson, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Polk, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 266,000 |
| Charleston, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Pickens, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 16,000 |
| Spartanburg, South Carolina | 1 | $ 58,000 | $ 58,000 | $ 75,000 |
| Sumter, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 214,000 |
| Cheatham, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Hamilton, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 193,000 | $ 193,000 | $ 80,000 |
| Trousdale, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Accomack, Virginia | 1 | $ 188,000 | $ 188,000 | $ 58,000 |
| Fauquier, Virginia | 1 | $ 600,000 | $ 600,000 | $ 180,000 |
| King William, Virginia | 1 | $ 109,000 | $ 109,000 | $ 22,000 |
| Louisa, Virginia | 1 | $ 51,000 | $ 51,000 | $ 40,000 |
| Southampton, Virginia | 1 | $ 108,000 | $ 108,000 | $ 81,000 |
| Suffolk, Virginia | 1 | $ 146,000 | $ 146,000 | $ 45,000 |
| Surry, Virginia | 1 | $ 103,000 | $ 103,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Mid-Atlantic Financial Service in 2006
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 | 1,748 | $219,675,000 | $125,000 | $950,000 | $59,000 | $1,005,000 |
| Home Purchase | 665 | $86,498,000 | $130,000 | $826,000 | $78,000 | $918,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,221 | $282,118,000 | $127,000 | $950,000 | $63,000 | $918,000 |
| White | 72 | $8,275,000 | $114,000 | $296,000 | $83,000 | $1,005,000 |
| Black or African American | 60 | $8,235,000 | $137,000 | $800,000 | $85,000 | $774,000 |
| Hispanic | 55 | $6,922,000 | $125,000 | $424,000 | $66,000 | $300,000 |
| Asian | 3 | $357,000 | $119,000 | $170,000 | $50,000 | $54,000 |
| American Indian or Alaskan Native | 2 | $266,000 | $133,000 | $140,000 | $80,000 | $119,000 |
| 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) | 2,015 | $256,208,000 | $127,000 | $950,000 | $68,000 | $1,005,000 |
| FHA-insured (Federal Housing Administration) | 387 | $48,307,000 | $124,000 | $347,000 | $45,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,658,000 | $150,000 | $270,000 | $45,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,265 | $155,464,000 | $122,000 | $950,000 | $57,000 | $900,000 |
| Loan Originated | 990 | $129,604,000 | $130,000 | $825,000 | $72,000 | $1,005,000 |
| Application Denied By Financial Institution | 157 | $20,963,000 | $133,000 | $640,000 | $70,000 | $902,000 |
| File Closed For Incompleteness | 1 | $142,000 | $142,000 | $142,000 | $30,000 | $30,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 1 | $117,000 | $117,000 | $117,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic Financial Service's 2006 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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