Mid-Atlantic Financial Service
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007

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.

Mortgage Loan Application Totals for Mid-Atlantic Financial Service by County in 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

Mortgage Loan Application Detail Totals for Mid-Atlantic Financial Service in 2007

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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