Mid-Atlantic Financial Service 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,018 |
| Total Mortgage Loan Application Amount | $156,958,000 |
| Average Mortgage Loan Application Amount | $146,333 |
| Highest Mortgage Loan Application Amount | $848,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $573,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Mid-Atlantic Financial Service. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mid-Atlantic Financial Service's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Mid-Atlantic Financial Service's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mid-Atlantic Financial Service serves its applicants.
Each category highlights the total number of mortgage applications processed by Mid-Atlantic Financial Service, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mid-Atlantic Financial Service's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton County Georgia | 96 | $ 17,799,000 | $ 185,000 | $ 79,000 |
| Cobb County Georgia | 87 | $ 16,068,000 | $ 184,000 | $ 69,000 |
| DeKalb County Georgia | 86 | $ 11,143,000 | $ 129,000 | $ 42,000 |
| Gwinnett County Georgia | 62 | $ 9,949,000 | $ 160,000 | $ 59,000 |
| Clayton County Georgia | 43 | $ 6,131,000 | $ 142,000 | $ 49,000 |
| Duval County Florida | 32 | $ 4,051,000 | $ 126,000 | $ 73,000 |
| Douglas County Georgia | 30 | $ 4,501,000 | $ 150,000 | $ 48,000 |
| Henry County Georgia | 30 | $ 4,384,000 | $ 146,000 | $ 40,000 |
| Paulding County Georgia | 27 | $ 3,904,000 | $ 144,000 | $ 51,000 |
| Carroll County Georgia | 25 | $ 3,123,000 | $ 124,000 | $ 82,000 |
| Coweta County Georgia | 25 | $ 3,900,000 | $ 156,000 | $ 67,000 |
| Cherokee County Georgia | 23 | $ 4,099,000 | $ 178,000 | $ 59,000 |
| Chatham County Georgia | 19 | $ 2,321,000 | $ 122,000 | $ 43,000 |
| Mecklenburg County North Carolina | 18 | $ 3,768,000 | $ 209,000 | $ 91,000 |
| Newton County Georgia | 14 | $ 1,669,000 | $ 119,000 | $ 35,000 |
| Walton County Georgia | 14 | $ 2,244,000 | $ 160,000 | $ 73,000 |
| Muscogee County Georgia | 13 | $ 1,470,000 | $ 113,000 | $ 61,000 |
| Union County North Carolina | 13 | $ 3,188,000 | $ 245,000 | $ 107,000 |
| Bartow County Georgia | 11 | $ 2,071,000 | $ 188,000 | $ 72,000 |
| Bibb County Georgia | 11 | $ 1,186,000 | $ 107,000 | $ 43,000 |
| Dougherty County Georgia | 11 | $ 949,000 | $ 86,000 | $ 41,000 |
| Floyd County Georgia | 10 | $ 871,000 | $ 87,000 | $ 83,000 |
| Rockdale County Georgia | 10 | $ 1,241,000 | $ 124,000 | $ 57,000 |
| Houston County Georgia | 9 | $ 1,018,000 | $ 113,000 | $ 59,000 |
| Lee County Alabama | 8 | $ 1,226,000 | $ 153,000 | $ 92,000 |
| Russell County Alabama | 8 | $ 765,000 | $ 95,000 | $ 61,000 |
| Lowndes County Georgia | 8 | $ 987,000 | $ 123,000 | $ 59,000 |
| Richmond County Georgia | 8 | $ 758,000 | $ 94,000 | $ 47,000 |
| Decatur County Georgia | 7 | $ 674,000 | $ 96,000 | $ 38,000 |
| Orange County Florida | 6 | $ 1,369,000 | $ 228,000 | $ 91,000 |
| Fayette County Georgia | 6 | $ 1,113,000 | $ 185,000 | $ 81,000 |
| Forsyth County Georgia | 6 | $ 1,569,000 | $ 261,000 | $ 103,000 |
| Spalding County Georgia | 6 | $ 761,000 | $ 126,000 | $ 74,000 |
| Troup County Georgia | 6 | $ 584,000 | $ 97,000 | $ 41,000 |
| Walker County Georgia | 6 | $ 906,000 | $ 151,000 | $ 49,000 |
| Prince George's County Maryland | 6 | $ 1,327,000 | $ 221,000 | $ 86,000 |
| Horry County South Carolina | 5 | $ 896,000 | $ 179,000 | $ 64,000 |
| York County South Carolina | 5 | $ 1,371,000 | $ 274,000 | $ 43,000 |
| Chambers County Alabama | 4 | $ 564,000 | $ 141,000 | $ 72,000 |
| Hall County Georgia | 4 | $ 797,000 | $ 199,000 | $ 80,000 |
| Heard County Georgia | 4 | $ 890,000 | $ 222,000 | $ 73,000 |
| Ware County Georgia | 4 | $ 311,000 | $ 77,000 | $ 23,000 |
| Baltimore City County Maryland | 4 | $ 327,000 | $ 81,000 | $ 37,000 |
| Guilford County North Carolina | 4 | $ 491,000 | $ 122,000 | $ 31,000 |
| Florence County South Carolina | 4 | $ 840,000 | $ 210,000 | $ 63,000 |
| Pasco County Florida | 3 | $ 612,000 | $ 204,000 | $ 66,000 |
| Polk County Florida | 3 | $ 306,000 | $ 102,000 | $ 29,000 |
| Barrow County Georgia | 3 | $ 398,000 | $ 132,000 | $ 31,000 |
| Bulloch County Georgia | 3 | $ 413,000 | $ 137,000 | $ 38,000 |
| Camden County Georgia | 3 | $ 748,000 | $ 249,000 | $ 92,000 |
| Clarke County Georgia | 3 | $ 632,000 | $ 210,000 | $ 80,000 |
| Gordon County Georgia | 3 | $ 420,000 | $ 140,000 | $ 79,000 |
| Greene County Georgia | 3 | $ 183,000 | $ 61,000 | $ 24,000 |
| Laurens County Georgia | 3 | $ 329,000 | $ 109,000 | $ 61,000 |
| Thomas County Georgia | 3 | $ 259,000 | $ 86,000 | $ 43,000 |
| Buncombe County North Carolina | 3 | $ 348,000 | $ 116,000 | $ 180,000 |
| Gaston County North Carolina | 3 | $ 952,000 | $ 317,000 | $ 73,000 |
| Marion County South Carolina | 3 | $ 415,000 | $ 138,000 | $ 33,000 |
| Portsmouth County Virginia | 3 | $ 388,000 | $ 129,000 | $ 42,000 |
| Seminole County Florida | 2 | $ 262,000 | $ 131,000 | $ 15,000 |
| Suwannee County Florida | 2 | $ 304,000 | $ 152,000 | $ 45,000 |
| Banks County Georgia | 2 | $ 346,000 | $ 173,000 | $ 42,000 |
| Butts County Georgia | 2 | $ 321,000 | $ 160,000 | $ 68,000 |
| Catoosa County Georgia | 2 | $ 264,000 | $ 132,000 | $ 53,000 |
| Columbia County Georgia | 2 | $ 324,000 | $ 162,000 | $ 72,000 |
| Jackson County Georgia | 2 | $ 534,000 | $ 267,000 | $ 157,000 |
| Jasper County Georgia | 2 | $ 248,000 | $ 124,000 | $ 81,000 |
| Lee County Georgia | 2 | $ 182,000 | $ 91,000 | $ 58,000 |
| Liberty County Georgia | 2 | $ 246,000 | $ 123,000 | $ 78,000 |
| Meriwether County Georgia | 2 | $ 150,000 | $ 75,000 | $ 35,000 |
| Murray County Georgia | 2 | $ 360,000 | $ 180,000 | $ 54,000 |
| Oconee County Georgia | 2 | $ 533,000 | $ 266,000 | $ 147,000 |
| Peach County Georgia | 2 | $ 146,000 | $ 73,000 | $ 80,000 |
| Pickens County Georgia | 2 | $ 388,000 | $ 194,000 | $ 42,000 |
| Stephens County Georgia | 2 | $ 272,000 | $ 136,000 | $ 38,000 |
| Toombs County Georgia | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Twiggs County Georgia | 2 | $ 167,000 | $ 83,000 | $ 45,000 |
| Baltimore County Maryland | 2 | $ 326,000 | $ 163,000 | $ 41,000 |
| Charles County Maryland | 2 | $ 347,000 | $ 173,000 | $ 70,000 |
| Worcester County Maryland | 2 | $ 321,000 | $ 160,000 | $ 63,000 |
| Cabarrus County North Carolina | 2 | $ 323,000 | $ 161,000 | $ 39,000 |
| Stanly County North Carolina | 2 | $ 299,000 | $ 149,000 | $ 72,000 |
| Beaufort County South Carolina | 2 | $ 1,214,000 | $ 607,000 | $ 181,000 |
| Darlington County South Carolina | 2 | $ 193,000 | $ 96,000 | $ 35,000 |
| Davidson County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 44,000 |
| Shelby County Tennessee | 2 | $ 223,000 | $ 111,000 | $ 37,000 |
| Hampton County Virginia | 2 | $ 282,000 | $ 141,000 | $ 33,000 |
| Cherokee County Alabama | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Dale County Alabama | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Etowah County Alabama | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Randolph County Alabama | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Bay County Florida | 1 | $ 317,000 | $ 317,000 | $ 573,000 |
| Charlotte County Florida | 1 | $ 158,000 | $ 158,000 | $ 41,000 |
| Clay County Florida | 1 | $ 131,000 | $ 131,000 | $ 28,000 |
| Collier County Florida | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Columbia County Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Manatee County Florida | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Miami-Dade County Florida | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Osceola County Florida | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Washington County Florida | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Baldwin County Georgia | 1 | $ 84,000 | $ 84,000 | $ 21,000 |
| Brooks County Georgia | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Bryan County Georgia | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Burke County Georgia | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Crisp County Georgia | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Dade County Georgia | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| Early County Georgia | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Emanuel County Georgia | 1 | $ 134,000 | $ 134,000 | $ 27,000 |
| Franklin County Georgia | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Glynn County Georgia | 1 | $ 86,000 | $ 86,000 | $ 55,000 |
| Hancock County Georgia | 1 | $ 170,000 | $ 170,000 | $ 74,000 |
| Haralson County Georgia | 1 | $ 98,000 | $ 98,000 | $ 102,000 |
| Harris County Georgia | 1 | $ 270,000 | $ 270,000 | $ 108,000 |
| Jefferson County Georgia | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Jones County Georgia | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Lamar County Georgia | 1 | $ 81,000 | $ 81,000 | $ 31,000 |
| Macon County Georgia | 1 | $ 159,000 | $ 159,000 | $ 38,000 |
| Madison County Georgia | 1 | $ 108,000 | $ 108,000 | $ 23,000 |
| Miller County Georgia | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| Mitchell County Georgia | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Monroe County Georgia | 1 | $ 221,000 | $ 221,000 | $ 80,000 |
| Polk County Georgia | 1 | $ 74,000 | $ 74,000 | $ 27,000 |
| Pulaski County Georgia | 1 | $ 99,000 | $ 99,000 | $ 81,000 |
| Screven County Georgia | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Talbot County Georgia | 1 | $ 191,000 | $ 191,000 | $ 62,000 |
| Terrell County Georgia | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Tift County Georgia | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Towns County Georgia | 1 | $ 133,000 | $ 133,000 | $ 30,000 |
| Upson County Georgia | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| White County Georgia | 1 | $ 203,000 | $ 203,000 | $ 82,000 |
| Whitfield County Georgia | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Worth County Georgia | 1 | $ 69,000 | $ 69,000 | $ 50,000 |
| Harford County Maryland | 1 | $ 241,000 | $ 241,000 | $ 47,000 |
| Talbot County Maryland | 1 | $ 320,000 | $ 320,000 | $ 55,000 |
| St. Louis County Missouri | 1 | $ 60,000 | $ 60,000 | $ 58,000 |
| Brunswick County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Caswell County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Granville County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Greene County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 43,000 |
| Iredell County North Carolina | 1 | $ 329,000 | $ 329,000 | $ 70,000 |
| Nash County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 23,000 |
| Pasquotank County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Richmond County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Rowan County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 53,000 |
| Wake County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 26,000 |
| Wayne County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Aiken County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Dillon County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Lancaster County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Pickens County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Bradley County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Rutherford County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Stewart County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| Wilson County Tennessee | 1 | $ 219,000 | $ 219,000 | $ 43,000 |
| Albemarle County Virginia | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Alleghany County Virginia | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Carroll County Virginia | 1 | $ 304,000 | $ 304,000 | $ 168,000 |
| Franklin County Virginia | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| Halifax County Virginia | 1 | $ 94,000 | $ 94,000 | $ 16,000 |
| Henrico County Virginia | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Louisa County Virginia | 1 | $ 241,000 | $ 241,000 | $ 53,000 |
| Manassas County Virginia | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Norfolk County Virginia | 1 | $ 143,000 | $ 143,000 | $ 38,000 |
| Orange County Virginia | 1 | $ 201,000 | $ 201,000 | $ 38,000 |
| Petersburg County Virginia | 1 | $ 61,000 | $ 61,000 | $ 39,000 |
| Pittsylvania County Virginia | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Roanoke County Virginia | 1 | $ 221,000 | $ 221,000 | $ 70,000 |
| Roanoke City County Virginia | 1 | $ 129,000 | $ 129,000 | $ 45,000 |
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 | 644 | $96,200,000 | $149,000 | $848,000 | $57,000 | $573,000 |
| Home Purchase | 327 | $55,011,000 | $168,000 | $635,000 | $71,000 | $465,000 |
| Home Improvement | 47 | $5,747,000 | $122,000 | $405,000 | $43,000 | $111,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 397 | $53,213,000 | $134,000 | $417,000 | $47,000 | $465,000 |
| White | 380 | $63,259,000 | $166,000 | $635,000 | $71,000 | $450,000 |
| Not Provided | 204 | $34,006,000 | $166,000 | $848,000 | $69,000 | $573,000 |
| Hispanic | 18 | $2,647,000 | $147,000 | $271,000 | $51,000 | $95,000 |
| Asian | 9 | $2,428,000 | $269,000 | $604,000 | $79,000 | $198,000 |
| American Indian or Alaskan Native | 5 | $792,000 | $158,000 | $251,000 | $85,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $613,000 | $122,000 | $190,000 | $76,000 | $131,000 |
| 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) | 613 | $101,370,000 | $165,000 | $848,000 | $73,000 | $573,000 |
| FHA-insured (Federal Housing Administration) | 398 | $54,646,000 | $137,000 | $288,000 | $44,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 7 | $942,000 | $134,000 | $170,000 | $39,000 | $71,000 |
| 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 | 711 | $110,584,000 | $155,000 | $848,000 | $62,000 | $465,000 |
| Application Denied By Financial Institution | 195 | $27,449,000 | $140,000 | $610,000 | $52,000 | $220,000 |
| Application Withdrawn By Applicant | 82 | $13,633,000 | $166,000 | $624,000 | $71,000 | $573,000 |
| Application Approved But Not Accepted | 25 | $4,179,000 | $167,000 | $604,000 | $80,000 | $251,000 |
| Loan Purchased By The Institution | 3 | $810,000 | $270,000 | $492,000 | $80,000 | $100,000 |
| File Closed For Incompleteness | 2 | $303,000 | $151,000 | $187,000 | $48,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 37 | $5,089,000 | $137,000 | $280,000 | $43,000 | $189,000 |
| Debt-To-Income Ratio | 33 | $4,714,000 | $142,000 | $267,000 | $42,000 | $100,000 |
| Collateral | 16 | $1,771,000 | $110,000 | $219,000 | $38,000 | $98,000 |
| Credit Application Incomplete | 8 | $973,000 | $121,000 | $202,000 | $46,000 | $108,000 |
| Employment History | 7 | $914,000 | $130,000 | $257,000 | $66,000 | $104,000 |
| Other | 4 | $465,000 | $116,000 | $128,000 | $27,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $892,000 | $297,000 | $610,000 | $95,000 | $220,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $270,000 | $54,000 | $92,000 |
| Mortgage Insurance Denied | 1 | $217,000 | $217,000 | $217,000 | $96,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Atlantic Financial Service's 2007 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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