Mid-Atlantic Financial Service Mortgage Lending & HMDA Data, 2007
In 2007, Mid-Atlantic Financial Service of Atlanta, GA reported 1,018 mortgage applications totaling $157.0 million, down 58% from 2006. The average application was for $154,182, and applicants reported an average income of $60,850. 70% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (618), Charlotte-Gastonia-Concord, NC-SC (41) and Jacksonville, FL (33) (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 | 1,018 |
| Total Mortgage Loan Application Amount | $156,958,000 |
| Average Mortgage Loan Application Amount | $154,182 |
| Highest Mortgage Loan Application Amount | $848,000 |
| Average Applicant Income | $60,850 |
| Highest Applicant Income | $573,000 |
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records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 96 | $ 17,799,000 | $ 185,406 | $ 79,000 |
| Cobb, Georgia | 87 | $ 16,068,000 | $ 184,689 | $ 69,000 |
| DeKalb, Georgia | 86 | $ 11,143,000 | $ 129,569 | $ 42,000 |
| Gwinnett, Georgia | 62 | $ 9,949,000 | $ 160,467 | $ 59,000 |
| Clayton, Georgia | 43 | $ 6,131,000 | $ 142,581 | $ 49,000 |
| Duval, Florida | 32 | $ 4,051,000 | $ 126,593 | $ 73,000 |
| Douglas, Georgia | 30 | $ 4,501,000 | $ 150,033 | $ 48,000 |
| Henry, Georgia | 30 | $ 4,384,000 | $ 146,133 | $ 40,000 |
| Paulding, Georgia | 27 | $ 3,904,000 | $ 144,592 | $ 51,000 |
| Carroll, Georgia | 25 | $ 3,123,000 | $ 124,920 | $ 82,000 |
| Coweta, Georgia | 25 | $ 3,900,000 | $ 156,000 | $ 67,000 |
| Cherokee, Georgia | 23 | $ 4,099,000 | $ 178,217 | $ 59,000 |
| Chatham, Georgia | 19 | $ 2,321,000 | $ 122,157 | $ 43,000 |
| Mecklenburg, North Carolina | 18 | $ 3,768,000 | $ 209,333 | $ 91,000 |
| Newton, Georgia | 14 | $ 1,669,000 | $ 119,214 | $ 35,000 |
| Walton, Georgia | 14 | $ 2,244,000 | $ 160,285 | $ 73,000 |
| Muscogee, Georgia | 13 | $ 1,470,000 | $ 113,076 | $ 61,000 |
| Union, North Carolina | 13 | $ 3,188,000 | $ 245,230 | $ 107,000 |
| Bartow, Georgia | 11 | $ 2,071,000 | $ 188,272 | $ 72,000 |
| Bibb, Georgia | 11 | $ 1,186,000 | $ 107,818 | $ 43,000 |
| Dougherty, Georgia | 11 | $ 949,000 | $ 86,272 | $ 41,000 |
| Floyd, Georgia | 10 | $ 871,000 | $ 87,100 | $ 83,000 |
| Rockdale, Georgia | 10 | $ 1,241,000 | $ 124,100 | $ 57,000 |
| Houston, Georgia | 9 | $ 1,018,000 | $ 113,111 | $ 59,000 |
| Lee, Alabama | 8 | $ 1,226,000 | $ 153,250 | $ 92,000 |
| Russell, Alabama | 8 | $ 765,000 | $ 95,625 | $ 61,000 |
| Lowndes, Georgia | 8 | $ 987,000 | $ 123,375 | $ 59,000 |
| Richmond, Georgia | 8 | $ 758,000 | $ 94,750 | $ 47,000 |
| Decatur, Georgia | 7 | $ 674,000 | $ 96,285 | $ 38,000 |
| Orange, Florida | 6 | $ 1,369,000 | $ 228,166 | $ 91,000 |
| Fayette, Georgia | 6 | $ 1,113,000 | $ 185,500 | $ 81,000 |
| Forsyth, Georgia | 6 | $ 1,569,000 | $ 261,500 | $ 103,000 |
| Spalding, Georgia | 6 | $ 761,000 | $ 126,833 | $ 74,000 |
| Troup, Georgia | 6 | $ 584,000 | $ 97,333 | $ 41,000 |
| Walker, Georgia | 6 | $ 906,000 | $ 151,000 | $ 49,000 |
| Prince George's, Maryland | 6 | $ 1,327,000 | $ 221,166 | $ 86,000 |
| Horry, South Carolina | 5 | $ 896,000 | $ 179,200 | $ 64,000 |
| York, South Carolina | 5 | $ 1,371,000 | $ 274,200 | $ 43,000 |
| Chambers, Alabama | 4 | $ 564,000 | $ 141,000 | $ 72,000 |
| Hall, Georgia | 4 | $ 797,000 | $ 199,250 | $ 80,000 |
| Heard, Georgia | 4 | $ 890,000 | $ 222,500 | $ 73,000 |
| Ware, Georgia | 4 | $ 311,000 | $ 77,750 | $ 23,000 |
| Baltimore City, Maryland | 4 | $ 327,000 | $ 81,750 | $ 37,000 |
| Guilford, North Carolina | 4 | $ 491,000 | $ 122,750 | $ 31,000 |
| Florence, South Carolina | 4 | $ 840,000 | $ 210,000 | $ 63,000 |
| Pasco, Florida | 3 | $ 612,000 | $ 204,000 | $ 66,000 |
| Polk, Florida | 3 | $ 306,000 | $ 102,000 | $ 29,000 |
| Barrow, Georgia | 3 | $ 398,000 | $ 132,666 | $ 31,000 |
| Bulloch, Georgia | 3 | $ 413,000 | $ 137,666 | $ 38,000 |
| Camden, Georgia | 3 | $ 748,000 | $ 249,333 | $ 92,000 |
| Clarke, Georgia | 3 | $ 632,000 | $ 210,666 | $ 80,000 |
| Gordon, Georgia | 3 | $ 420,000 | $ 140,000 | $ 79,000 |
| Greene, Georgia | 3 | $ 183,000 | $ 61,000 | $ 24,000 |
| Laurens, Georgia | 3 | $ 329,000 | $ 109,666 | $ 61,000 |
| Thomas, Georgia | 3 | $ 259,000 | $ 86,333 | $ 43,000 |
| Buncombe, North Carolina | 3 | $ 348,000 | $ 116,000 | $ 180,000 |
| Gaston, North Carolina | 3 | $ 952,000 | $ 317,333 | $ 73,000 |
| Marion, South Carolina | 3 | $ 415,000 | $ 138,333 | $ 33,000 |
| Portsmouth, Virginia | 3 | $ 388,000 | $ 129,333 | $ 42,000 |
| Seminole, Florida | 2 | $ 262,000 | $ 131,000 | $ 15,000 |
| Suwannee, Florida | 2 | $ 304,000 | $ 152,000 | $ 45,000 |
| Banks, Georgia | 2 | $ 346,000 | $ 173,000 | $ 42,000 |
| Butts, Georgia | 2 | $ 321,000 | $ 160,500 | $ 68,000 |
| Catoosa, Georgia | 2 | $ 264,000 | $ 132,000 | $ 53,000 |
| Columbia, Georgia | 2 | $ 324,000 | $ 162,000 | $ 72,000 |
| Jackson, Georgia | 2 | $ 534,000 | $ 267,000 | $ 157,000 |
| Jasper, Georgia | 2 | $ 248,000 | $ 124,000 | $ 81,000 |
| Lee, Georgia | 2 | $ 182,000 | $ 91,000 | $ 58,000 |
| Liberty, Georgia | 2 | $ 246,000 | $ 123,000 | $ 78,000 |
| Meriwether, Georgia | 2 | $ 150,000 | $ 75,000 | $ 35,000 |
| Murray, Georgia | 2 | $ 360,000 | $ 180,000 | $ 54,000 |
| Oconee, Georgia | 2 | $ 533,000 | $ 266,500 | $ 147,000 |
| Peach, Georgia | 2 | $ 146,000 | $ 73,000 | $ 80,000 |
| Pickens, Georgia | 2 | $ 388,000 | $ 194,000 | $ 42,000 |
| Stephens, Georgia | 2 | $ 272,000 | $ 136,000 | $ 38,000 |
| Toombs, Georgia | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Twiggs, Georgia | 2 | $ 167,000 | $ 83,500 | $ 45,000 |
| Baltimore, Maryland | 2 | $ 326,000 | $ 163,000 | $ 41,000 |
| Charles, Maryland | 2 | $ 347,000 | $ 173,500 | $ 70,000 |
| Worcester, Maryland | 2 | $ 321,000 | $ 160,500 | $ 63,000 |
| Cabarrus, North Carolina | 2 | $ 323,000 | $ 161,500 | $ 39,000 |
| Stanly, North Carolina | 2 | $ 299,000 | $ 149,500 | $ 72,000 |
| Beaufort, South Carolina | 2 | $ 1,214,000 | $ 607,000 | $ 181,000 |
| Darlington, South Carolina | 2 | $ 193,000 | $ 96,500 | $ 35,000 |
| Davidson, Tennessee | 2 | $ 230,000 | $ 115,000 | $ 44,000 |
| Shelby, Tennessee | 2 | $ 223,000 | $ 111,500 | $ 37,000 |
| Hampton, Virginia | 2 | $ 282,000 | $ 141,000 | $ 33,000 |
| Cherokee, Alabama | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Dale, Alabama | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Etowah, Alabama | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Randolph, Alabama | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Bay, Florida | 1 | $ 317,000 | $ 317,000 | $ 573,000 |
| Charlotte, Florida | 1 | $ 158,000 | $ 158,000 | $ 41,000 |
| Clay, Florida | 1 | $ 131,000 | $ 131,000 | $ 28,000 |
| Collier, Florida | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Columbia, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Manatee, Florida | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Miami-Dade, Florida | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Osceola, Florida | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Washington, Florida | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Baldwin, Georgia | 1 | $ 84,000 | $ 84,000 | $ 21,000 |
| Brooks, Georgia | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Bryan, Georgia | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Burke, Georgia | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Crisp, Georgia | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Dade, Georgia | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| Early, Georgia | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Emanuel, Georgia | 1 | $ 134,000 | $ 134,000 | $ 27,000 |
| Franklin, Georgia | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Glynn, Georgia | 1 | $ 86,000 | $ 86,000 | $ 55,000 |
| Hancock, Georgia | 1 | $ 170,000 | $ 170,000 | $ 74,000 |
| Haralson, Georgia | 1 | $ 98,000 | $ 98,000 | $ 102,000 |
| Harris, Georgia | 1 | $ 270,000 | $ 270,000 | $ 108,000 |
| Jefferson, Georgia | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Jones, Georgia | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Lamar, Georgia | 1 | $ 81,000 | $ 81,000 | $ 31,000 |
| Macon, Georgia | 1 | $ 159,000 | $ 159,000 | $ 38,000 |
| Madison, Georgia | 1 | $ 108,000 | $ 108,000 | $ 23,000 |
| Miller, Georgia | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| Mitchell, Georgia | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Monroe, Georgia | 1 | $ 221,000 | $ 221,000 | $ 80,000 |
| Polk, Georgia | 1 | $ 74,000 | $ 74,000 | $ 27,000 |
| Pulaski, Georgia | 1 | $ 99,000 | $ 99,000 | $ 81,000 |
| Screven, Georgia | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Talbot, Georgia | 1 | $ 191,000 | $ 191,000 | $ 62,000 |
| Terrell, Georgia | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Tift, Georgia | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Towns, Georgia | 1 | $ 133,000 | $ 133,000 | $ 30,000 |
| Upson, Georgia | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| White, Georgia | 1 | $ 203,000 | $ 203,000 | $ 82,000 |
| Whitfield, Georgia | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Worth, Georgia | 1 | $ 69,000 | $ 69,000 | $ 50,000 |
| Harford, Maryland | 1 | $ 241,000 | $ 241,000 | $ 47,000 |
| Talbot, Maryland | 1 | $ 320,000 | $ 320,000 | $ 55,000 |
| St. Louis, Missouri | 1 | $ 60,000 | $ 60,000 | $ 58,000 |
| Brunswick, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Caswell, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Granville, North Carolina | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Greene, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 43,000 |
| Iredell, North Carolina | 1 | $ 329,000 | $ 329,000 | $ 70,000 |
| Nash, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 23,000 |
| Pasquotank, North Carolina | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Richmond, North Carolina | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Rowan, North Carolina | 1 | $ 94,000 | $ 94,000 | $ 53,000 |
| Wake, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 26,000 |
| Wayne, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Aiken, South Carolina | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Dillon, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Lancaster, South Carolina | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Pickens, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Bradley, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Rutherford, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Stewart, Tennessee | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| Wilson, Tennessee | 1 | $ 219,000 | $ 219,000 | $ 43,000 |
| Albemarle, Virginia | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Alleghany, Virginia | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Carroll, Virginia | 1 | $ 304,000 | $ 304,000 | $ 168,000 |
| Franklin, Virginia | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| Halifax, Virginia | 1 | $ 94,000 | $ 94,000 | $ 16,000 |
| Henrico, Virginia | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Louisa, Virginia | 1 | $ 241,000 | $ 241,000 | $ 53,000 |
| Manassas, Virginia | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Norfolk, Virginia | 1 | $ 143,000 | $ 143,000 | $ 38,000 |
| Orange, Virginia | 1 | $ 201,000 | $ 201,000 | $ 38,000 |
| Petersburg, Virginia | 1 | $ 61,000 | $ 61,000 | $ 39,000 |
| Pittsylvania, Virginia | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Roanoke, Virginia | 1 | $ 221,000 | $ 221,000 | $ 70,000 |
| Roanoke City, 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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