United Medical Bank Mortgage Lending & HMDA Data, 2004
In 2004, United Medical Bank of Rockville, MD reported 421 mortgage applications totaling $79.5 million, down 61% from 2003. The average application was for $188,883, and applicants reported an average income of $104,762. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Fort Worth-Arlington, TX (78), Dallas-Plano-Irving, TX (39) and Bethesda-Frederick-Gaithersburg, MD (26) (applications in parentheses).
| Mortgage Company & Address | United Medical Bank 800 King Farm Blvd Rockville, MD 20850 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 421 |
| Total Mortgage Loan Application Amount | $79,520,000 |
| Average Mortgage Loan Application Amount | $188,883 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $104,762 |
| Highest Applicant Income | $1,451,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Medical Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tarrant, Texas | 76 | $ 9,412,000 | $ 123,842 | $ 112,000 |
| Fairfax, Virginia | 37 | $ 9,818,000 | $ 265,351 | $ 146,000 |
| Montgomery, Maryland | 21 | $ 5,011,000 | $ 238,619 | $ 110,000 |
| Anne Arundel, Maryland | 14 | $ 2,024,000 | $ 144,571 | $ 69,000 |
| Prince George's, Maryland | 13 | $ 3,004,000 | $ 231,076 | $ 64,000 |
| Prince William, Virginia | 12 | $ 2,536,000 | $ 211,333 | $ 72,000 |
| District of Columbia, District Of Columbia | 11 | $ 2,648,000 | $ 240,727 | $ 139,000 |
| Denton, Texas | 10 | $ 1,499,000 | $ 149,900 | $ 60,000 |
| Collin, Texas | 9 | $ 894,000 | $ 99,333 | $ 53,000 |
| Dallas, Texas | 9 | $ 1,054,000 | $ 117,111 | $ 54,000 |
| Baltimore, Maryland | 7 | $ 1,041,000 | $ 148,714 | $ 61,000 |
| Ellis, Texas | 6 | $ 744,000 | $ 124,000 | $ 51,000 |
| Loudoun, Virginia | 6 | $ 957,000 | $ 159,500 | $ 85,000 |
| Frederick, Maryland | 5 | $ 1,157,000 | $ 231,400 | $ 196,000 |
| Clark, Nevada | 5 | $ 770,000 | $ 154,000 | $ 108,000 |
| Palm Beach, Florida | 4 | $ 982,000 | $ 245,500 | $ 206,000 |
| Pinellas, Florida | 4 | $ 1,237,000 | $ 309,250 | $ 209,000 |
| Nassau, New York | 4 | $ 1,548,000 | $ 387,000 | $ 141,000 |
| Dare, North Carolina | 4 | $ 920,000 | $ 230,000 | $ 79,000 |
| Kaufman, Texas | 4 | $ 370,000 | $ 92,500 | $ 29,000 |
| Arlington, Virginia | 4 | $ 1,255,000 | $ 313,750 | $ 120,000 |
| Denver, Colorado | 3 | $ 484,000 | $ 161,333 | $ 56,000 |
| Lee, Florida | 3 | $ 190,000 | $ 63,333 | $ 61,000 |
| Miami-Dade, Florida | 3 | $ 966,000 | $ 322,000 | $ 507,000 |
| Vigo, Indiana | 3 | $ 206,000 | $ 68,666 | $ 120,000 |
| Suffolk, Massachusetts | 3 | $ 649,000 | $ 216,333 | $ 90,000 |
| Essex, New Jersey | 3 | $ 369,000 | $ 123,000 | $ 52,000 |
| Morris, New Jersey | 3 | $ 648,000 | $ 216,000 | $ 85,000 |
| Passaic, New Jersey | 3 | $ 292,000 | $ 97,333 | $ 115,000 |
| Suffolk, New York | 3 | $ 1,051,000 | $ 350,333 | $ 249,000 |
| Maricopa, Arizona | 2 | $ 143,000 | $ 71,500 | $ 67,000 |
| Seminole, Florida | 2 | $ 421,000 | $ 210,500 | $ 144,000 |
| Forsyth, Georgia | 2 | $ 506,000 | $ 253,000 | $ 180,000 |
| Ada, Idaho | 2 | $ 251,000 | $ 125,500 | $ 115,000 |
| Cook, Illinois | 2 | $ 191,000 | $ 95,500 | $ 76,000 |
| Polk, Iowa | 2 | $ 180,000 | $ 90,000 | $ 119,000 |
| Fayette, Kentucky | 2 | $ 347,000 | $ 173,500 | $ 117,000 |
| Kennebec, Maine | 2 | $ 289,000 | $ 144,500 | $ 216,000 |
| Oakland, Michigan | 2 | $ 314,000 | $ 157,000 | $ 61,000 |
| DeSoto, Mississippi | 2 | $ 407,000 | $ 203,500 | $ 56,000 |
| Washoe, Nevada | 2 | $ 523,000 | $ 261,500 | $ 145,000 |
| Burlington, New Jersey | 2 | $ 502,000 | $ 251,000 | $ 98,000 |
| Gloucester, New Jersey | 2 | $ 138,000 | $ 69,000 | $ 66,000 |
| Hudson, New Jersey | 2 | $ 427,000 | $ 213,500 | $ 92,000 |
| Monmouth, New Jersey | 2 | $ 390,000 | $ 195,000 | $ 90,000 |
| Kings, New York | 2 | $ 667,000 | $ 333,500 | $ 105,000 |
| Queens, New York | 2 | $ 415,000 | $ 207,500 | $ 55,000 |
| Wake, North Carolina | 2 | $ 232,000 | $ 116,000 | $ 57,000 |
| Muskogee, Oklahoma | 2 | $ 247,000 | $ 123,500 | $ 95,000 |
| Anderson, South Carolina | 2 | $ 464,000 | $ 232,000 | $ 133,000 |
| Beaufort, South Carolina | 2 | $ 446,000 | $ 223,000 | $ 62,000 |
| Horry, South Carolina | 2 | $ 141,000 | $ 70,500 | $ 90,000 |
| Williamson, Tennessee | 2 | $ 333,000 | $ 166,500 | $ 61,000 |
| Johnson, Texas | 2 | $ 354,000 | $ 177,000 | $ 62,000 |
| Fairfax City, Virginia | 2 | $ 634,000 | $ 317,000 | $ 250,000 |
| King, Washington | 2 | $ 625,000 | $ 312,500 | $ 102,000 |
| Jefferson, West Virginia | 2 | $ 318,000 | $ 159,000 | $ 86,000 |
| Chilton, Alabama | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| Anchorage, Alaska | 1 | $ 262,000 | $ 262,000 | $ 95,000 |
| Yavapai, Arizona | 1 | $ 555,000 | $ 555,000 | $ 169,000 |
| Faulkner, Arkansas | 1 | $ 134,000 | $ 134,000 | $ 50,000 |
| Phillips, Arkansas | 1 | $ 36,000 | $ 36,000 | $ 59,000 |
| Los Angeles, California | 1 | $ 850,000 | $ 850,000 | $ 270,000 |
| Orange, California | 1 | $ 552,000 | $ 552,000 | $ 96,000 |
| Sacramento, California | 1 | $ 488,000 | $ 488,000 | $ 211,000 |
| San Bernardino, California | 1 | $ 294,000 | $ 294,000 | $ 72,000 |
| Sussex, Delaware | 1 | $ 191,000 | $ 191,000 | $ 99,000 |
| Flagler, Florida | 1 | $ 432,000 | $ 432,000 | $ 550,000 |
| DeKalb, Georgia | 1 | $ 152,000 | $ 152,000 | $ 54,000 |
| DuPage, Illinois | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Grundy, Illinois | 1 | $ 134,000 | $ 134,000 | $ 98,000 |
| Allen, Indiana | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Allen, Louisiana | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Orleans, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Cumberland, Maine | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Sagadahoc, Maine | 1 | $ 54,000 | $ 54,000 | $ 86,000 |
| Carroll, Maryland | 1 | $ 237,000 | $ 237,000 | $ 66,000 |
| Worcester, Maryland | 1 | $ 360,000 | $ 360,000 | $ 244,000 |
| Barnstable, Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 249,000 |
| Essex, Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Hampshire, Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 157,000 |
| Plymouth, Massachusetts | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Mecosta, Michigan | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Hennepin, Minnesota | 1 | $ 247,000 | $ 247,000 | $ 62,000 |
| St. Louis, Missouri | 1 | $ 167,000 | $ 167,000 | $ 77,000 |
| Lancaster, Nebraska | 1 | $ 143,000 | $ 143,000 | $ 36,000 |
| Carson City, Nevada | 1 | $ 222,000 | $ 222,000 | $ 120,000 |
| Douglas, Nevada | 1 | $ 243,000 | $ 243,000 | $ 82,000 |
| Carroll, New Hampshire | 1 | $ 220,000 | $ 220,000 | $ 700,000 |
| Grafton, New Hampshire | 1 | $ 53,000 | $ 53,000 | $ 104,000 |
| Hillsborough, New Hampshire | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| Bergen, New Jersey | 1 | $ 190,000 | $ 190,000 | $ 46,000 |
| Camden, New Jersey | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Mercer, New Jersey | 1 | $ 274,000 | $ 274,000 | $ 125,000 |
| Los Alamos, New Mexico | 1 | $ 280,000 | $ 280,000 | $ 120,000 |
| Santa Fe, New Mexico | 1 | $ 92,000 | $ 92,000 | $ 26,000 |
| New York, New York | 1 | $ 497,000 | $ 497,000 | $ 163,000 |
| Sullivan, New York | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Guilford, North Carolina | 1 | $ 267,000 | $ 267,000 | $ 100,000 |
| Mecklenburg, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Orange, North Carolina | 1 | $ 241,000 | $ 241,000 | $ 66,000 |
| Person, North Carolina | 1 | $ 32,000 | $ 32,000 | $ 39,000 |
| Medina, Ohio | 1 | $ 200,000 | $ 200,000 | $ 314,000 |
| Tulsa, Oklahoma | 1 | $ 126,000 | $ 126,000 | $ 69,000 |
| Washington, Oregon | 1 | $ 196,000 | $ 196,000 | $ 62,000 |
| Mercer, Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 79,000 |
| Montgomery, Pennsylvania | 1 | $ 404,000 | $ 404,000 | $ 147,000 |
| Philadelphia, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| York, Pennsylvania | 1 | $ 79,000 | $ 79,000 | $ 64,000 |
| Charleston, South Carolina | 1 | $ 456,000 | $ 456,000 | $ 180,000 |
| Georgetown, South Carolina | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Greenville, South Carolina | 1 | $ 264,000 | $ 264,000 | $ 96,000 |
| Lexington, South Carolina | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Shelby, Tennessee | 1 | $ 63,000 | $ 63,000 | $ 95,000 |
| Bexar, Texas | 1 | $ 134,000 | $ 134,000 | $ 41,000 |
| Clay, Texas | 1 | $ 99,000 | $ 99,000 | $ 61,000 |
| Hunt, Texas | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Williamson, Texas | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Culpeper, Virginia | 1 | $ 304,000 | $ 304,000 | $ 191,000 |
| Falls Church, Virginia | 1 | $ 275,000 | $ 275,000 | $ 119,000 |
| Harrisonburg, Virginia | 1 | $ 114,000 | $ 114,000 | $ 160,000 |
| Montgomery, Virginia | 1 | $ 71,000 | $ 71,000 | $ 130,000 |
| Roanoke, Virginia | 1 | $ 106,000 | $ 106,000 | $ 76,000 |
| Russell, Virginia | 1 | $ 57,000 | $ 57,000 | $ 52,000 |
| Spotsylvania, Virginia | 1 | $ 331,000 | $ 331,000 | $ 98,000 |
| Stafford, Virginia | 1 | $ 409,000 | $ 409,000 | $ 173,000 |
| Tazewell, Virginia | 1 | $ 176,000 | $ 176,000 | $ 120,000 |
| Virginia Beach, Virginia | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Berkeley, West Virginia | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Upshur, West Virginia | 1 | $ 176,000 | $ 176,000 | $ 61,000 |
| Outagamie, Wisconsin | 1 | $ 207,000 | $ 207,000 | $ 41,000 |
| Waukesha, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for United Medical Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 266 | $49,596,000 | $203,733 | $850,000 | $109,766 | $1,451,000 |
| Refinancing | 143 | $28,578,000 | $182,970 | $500,000 | $105,029 | $700,000 |
| Home Improvement | 12 | $1,346,000 | $93,142 | $243,000 | $73,285 | $130,000 |
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 |
|---|---|---|---|---|---|---|
| White | 194 | $39,728,000 | $227,611 | $850,000 | $123,916 | $1,451,000 |
| Not Provided | 102 | $18,641,000 | $199,964 | $825,000 | $109,892 | $702,000 |
| Black or African American | 68 | $9,430,000 | $139,727 | $331,000 | $59,090 | $154,000 |
| Asian | 33 | $8,104,000 | $200,875 | $672,000 | $101,750 | $213,000 |
| Hispanic | 23 | $3,492,000 | $184,428 | $304,000 | $82,285 | $103,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| 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) | 324 | $67,342,000 | $190,414 | $850,000 | $108,146 | $1,451,000 |
| FHA-insured (Federal Housing Administration) | 97 | $12,178,000 | $168,666 | $253,000 | $58,000 | $234,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 379 | $71,545,000 | $192,769 | $825,000 | $107,743 | $1,451,000 |
| Application Withdrawn By Applicant | 19 | $4,218,000 | $237,909 | $850,000 | $142,181 | $550,000 |
| Application Approved But Not Accepted | 16 | $2,523,000 | $149,100 | $456,000 | $73,500 | $180,000 |
| Application Denied By Financial Institution | 7 | $1,234,000 | $213,400 | $496,000 | $73,200 | $131,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 4 | $517,000 | $175,000 | $267,000 | $89,500 | $100,000 |
| Credit Application Incomplete | 1 | $128,000 | $128,000 | $128,000 | $49,000 | $49,000 |
| Credit History | 1 | $496,000 | $496,000 | $496,000 | $131,000 | $131,000 |
| Debt-To-Income Ratio | 1 | $93,000 | $93,000 | $93,000 | $7,000 | $7,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Medical Bank's 2004 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 United Medical Bank'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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