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records Mid-Atlantic Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 1,419 | $ 186,551,000 | $ 131,466 | $ 72,000 |
| Jacksonville, FL | 89 | $ 9,722,000 | $ 109,235 | $ 65,000 |
| Charlotte-Gastonia-Concord, NC-SC | 67 | $ 8,463,000 | $ 126,313 | $ 44,940 |
| Augusta-Richmond County, GA-SC | 54 | $ 4,792,000 | $ 88,740 | $ 50,000 |
| Baltimore-Towson, MD | 49 | $ 8,381,000 | $ 171,040 | $ 66,000 |
| Savannah, GA | 41 | $ 4,406,000 | $ 107,463 | $ 41,000 |
| Orlando-Kissimmee, FL | 40 | $ 7,157,000 | $ 178,925 | $ 47,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 38 | $ 9,416,000 | $ 247,789 | $ 80,763 |
| Macon, GA | 37 | $ 3,256,000 | $ 88,000 | $ 41,000 |
| Columbus, GA-AL | 36 | $ 4,197,000 | $ 116,583 | $ 59,000 |
| Albany, GA | 30 | $ 2,373,000 | $ 79,100 | $ 36,000 |
| Richmond, VA | 25 | $ 4,342,000 | $ 173,680 | $ 65,000 |
| Gainesville, GA | 24 | $ 3,470,000 | $ 144,583 | $ 51,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 2,981,000 | $ 124,208 | $ 38,000 |
| Chattanooga, TN-GA | 22 | $ 2,018,000 | $ 91,727 | $ 35,318 |
| Warner Robins, GA | 19 | $ 1,741,000 | $ 91,631 | $ 59,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 2,116,000 | $ 117,555 | $ 81,000 |
| Athens-Clarke County, GA | 15 | $ 1,290,000 | $ 86,000 | $ 44,000 |
| Lakeland, FL | 13 | $ 1,550,000 | $ 119,230 | $ 84,000 |
| Dalton, GA | 9 | $ 726,000 | $ 80,666 | $ 31,000 |
| Valdosta, GA | 9 | $ 693,000 | $ 77,000 | $ 28,000 |
| Auburn-Opelika, AL | 8 | $ 1,604,000 | $ 200,500 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,333,000 | $ 166,625 | $ 69,000 |
| Brunswick, GA | 6 | $ 605,000 | $ 100,833 | $ 35,000 |
| Salisbury, MD | 6 | $ 543,000 | $ 90,500 | $ 53,000 |
| Bethesda-Gaithersburg-Frederick, MD | 5 | $ 1,188,000 | $ 237,600 | $ 71,000 |
| Birmingham-Hoover, AL | 5 | $ 598,000 | $ 119,600 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 607,000 | $ 121,400 | $ 45,000 |
| Rome, GA | 5 | $ 474,000 | $ 94,800 | $ 40,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 656,000 | $ 131,200 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 957,000 | $ 239,250 | $ 91,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 369,000 | $ 92,250 | $ 49,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 551,000 | $ 137,750 | $ 86,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 361,000 | $ 90,250 | $ 38,000 |
| Raleigh-Cary, NC | 4 | $ 532,000 | $ 133,000 | $ 78,000 |
| Greenville, SC | 3 | $ 322,000 | $ 107,333 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 640,000 | $ 213,333 | $ 72,000 |
| Panama City-Lynn Haven, FL | 3 | $ 531,000 | $ 177,000 | $ 142,000 |
| Punta Gorda, FL | 3 | $ 380,000 | $ 126,666 | $ 36,000 |
| Cumberland, MD-WV | 2 | $ 134,000 | $ 67,000 | $ 26,000 |
| Huntsville, AL | 2 | $ 155,000 | $ 77,500 | $ 134,000 |
| Naples-Marco Island, FL | 2 | $ 116,000 | $ 58,000 | $ 68,000 |
| Ocala, FL | 2 | $ 123,000 | $ 61,500 | $ 20,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Charleston-North Charleston, SC | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 203,000 | $ 203,000 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 123,000 | $ 123,000 | $ 22,000 |
| Kansas City, MO-KS | 1 | $ 174,000 | $ 174,000 | $ 91,000 |
| Memphis, TN-MS-AR | 1 | $ 193,000 | $ 193,000 | $ 80,000 |
| Mobile, AL | 1 | $ 122,000 | $ 122,000 | $ 85,000 |
| Spartanburg, SC | 1 | $ 58,000 | $ 58,000 | $ 75,000 |
| Sumter, SC | 1 | $ 65,000 | $ 65,000 | $ 214,000 |
| Tallahassee, FL | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
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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