Andrews Federal Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Andrews Federal Credit Union of Suitland, MD reported 948 mortgage applications totaling $170.6 million, up 117% from 2011. The average application was for $180,001, and applicants reported an average income of $110,660. 28% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (363), Camden, NJ (121) and Baltimore-Towson, MD (35) (applications in parentheses).

Mortgage Company & Address Andrews Federal Credit Union
5711 Allentown Road
Suitland, MD 20746
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 948
Total Mortgage Loan Application Amount $170,641,000
Average Mortgage Loan Application Amount $180,001
Highest Mortgage Loan Application Amount $852,000
Average Applicant Income $110,660
Highest Applicant Income $4,304,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Andrews Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Andrews Federal Credit Union by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Prince George's, Maryland 186 $ 32,901,000 $ 176,887 $ 101,000
Burlington, New Jersey 104 $ 14,759,000 $ 141,913 $ 100,000
Charles, Maryland 73 $ 16,395,000 $ 224,589 $ 119,000
District of Columbia, District Of Columbia 36 $ 6,103,000 $ 169,527 $ 83,000
Fairfax, Virginia 24 $ 7,344,000 $ 306,000 $ 149,000
Anne Arundel, Maryland 20 $ 5,855,000 $ 292,750 $ 140,000
Montgomery, Maryland 20 $ 4,588,000 $ 229,400 $ 118,000
Calvert, Maryland 18 $ 4,780,000 $ 265,555 $ 132,000
Prince William, Virginia 12 $ 1,856,000 $ 154,666 $ 163,000
Camden, New Jersey 11 $ 1,531,000 $ 139,181 $ 102,000
Howard, Maryland 7 $ 2,579,000 $ 368,428 $ 745,000
St. Mary's, Maryland 7 $ 1,748,000 $ 249,714 $ 119,000
Gloucester, New Jersey 6 $ 821,000 $ 136,833 $ 184,000
Philadelphia, Pennsylvania 6 $ 382,000 $ 63,666 $ 72,000
Hillsborough, Florida 4 $ 691,000 $ 172,750 $ 95,000
Baltimore, Maryland 4 $ 1,062,000 $ 265,500 $ 90,000
Mercer, New Jersey 4 $ 561,000 $ 140,250 $ 84,000
Dorchester, South Carolina 4 $ 604,000 $ 151,000 $ 96,000
Russell, Alabama 3 $ 183,000 $ 61,000 $ 138,000
Baltimore City, Maryland 3 $ 708,000 $ 236,000 $ 224,000
Middlesex, New Jersey 3 $ 563,000 $ 187,666 $ 143,000
Ocean, New Jersey 3 $ 311,000 $ 103,666 $ 91,000
Pitt, North Carolina 3 $ 250,000 $ 83,333 $ 38,000
Bucks, Pennsylvania 3 $ 482,000 $ 160,666 $ 147,000
Charleston, South Carolina 3 $ 367,000 $ 122,333 $ 108,000
Alexandria, Virginia 3 $ 1,170,000 $ 390,000 $ 122,000
Loudoun, Virginia 3 $ 1,072,000 $ 357,333 $ 120,000
Spotsylvania, Virginia 3 $ 645,000 $ 215,000 $ 105,000
Stafford, Virginia 3 $ 770,000 $ 256,666 $ 77,000
Thurston, Washington 3 $ 586,000 $ 195,333 $ 115,000
El Paso, Colorado 2 $ 180,000 $ 90,000 $ 77,000
New Castle, Delaware 2 $ 68,000 $ 34,000 $ 54,000
Sussex, Delaware 2 $ 378,000 $ 189,000 $ 136,000
Flagler, Florida 2 $ 137,000 $ 68,500 $ 89,000
Palm Beach, Florida 2 $ 237,000 $ 118,500 $ 134,000
Volusia, Florida 2 $ 689,000 $ 344,500 $ 172,000
Bryan, Georgia 2 $ 335,000 $ 167,500 $ 99,000
Chatham, Georgia 2 $ 75,000 $ 37,500 $ 98,000
Clayton, Georgia 2 $ 286,000 $ 143,000 $ 111,000
Douglas, Georgia 2 $ 452,000 $ 226,000 $ 71,000
Gwinnett, Georgia 2 $ 314,000 $ 157,000 $ 50,000
Muscogee, Georgia 2 $ 75,000 $ 37,500 $ 59,000
Richmond, Georgia 2 $ 85,000 $ 42,500 $ 66,000
St. Tammany, Louisiana 2 $ 180,000 $ 90,000 $ 62,000
Frederick, Maryland 2 $ 480,000 $ 240,000 $ 86,000
Clark, Nevada 2 $ 391,000 $ 195,500 $ 101,000
Atlantic, New Jersey 2 $ 165,000 $ 82,500 $ 51,000
Essex, New Jersey 2 $ 276,000 $ 138,000 $ 48,000
Cumberland, North Carolina 2 $ 152,000 $ 76,000 $ 142,000
Iredell, North Carolina 2 $ 375,000 $ 187,500 $ 99,000
Robeson, North Carolina 2 $ 319,000 $ 159,500 $ 95,000
Wilson, North Carolina 2 $ 251,000 $ 125,500 $ 64,000
Cuyahoga, Ohio 2 $ 283,000 $ 141,500 $ 135,000
Horry, South Carolina 2 $ 158,000 $ 79,000 $ 144,000
Bell, Texas 2 $ 180,000 $ 90,000 $ 133,000
Denton, Texas 2 $ 125,000 $ 62,500 $ 80,000
Arlington, Virginia 2 $ 742,000 $ 371,000 $ 186,000
Westmoreland, Virginia 2 $ 365,000 $ 182,500 $ 93,000
Jefferson, Alabama 1 $ 68,000 $ 68,000 $ 86,000
Montgomery, Alabama 1 $ 100,000 $ 100,000 $ 52,000
Fairbanks North Star, Alaska 1 $ 25,000 $ 25,000 $ 202,000
Cochise, Arizona 1 $ 100,000 $ 100,000 $ 120,000
Pima, Arizona 1 $ 161,000 $ 161,000 $ 106,000
Contra Costa, California 1 $ 80,000 $ 80,000 $ 83,000
Marin, California 1 $ 355,000 $ 355,000 $ 110,000
San Bernardino, California 1 $ 233,000 $ 233,000 $ 71,000
Sonoma, California 1 $ 700,000 $ 700,000 $ 185,000
Fairfield, Connecticut 1 $ 252,000 $ 252,000 $ 111,000
New Haven, Connecticut 1 $ 50,000 $ 50,000 $ 192,000
Kent, Delaware 1 $ 143,000 $ 143,000 $ 133,000
Alachua, Florida 1 $ 195,000 $ 195,000 $ 75,000
Charlotte, Florida 1 $ 74,000 $ 74,000 $ 55,000
Collier, Florida 1 $ 175,000 $ 175,000 $ 48,000
Escambia, Florida 1 $ 159,000 $ 159,000 $ 114,000
Lee, Florida 1 $ 150,000 $ 150,000 $ 66,000
Leon, Florida 1 $ 136,000 $ 136,000 $ 131,000
Marion, Florida 1 $ 105,000 $ 105,000 $ 46,000
Monroe, Florida 1 $ 288,000 $ 288,000 $ 195,000
Okaloosa, Florida 1 $ 40,000 $ 40,000 $ 22,000
Sarasota, Florida 1 $ 75,000 $ 75,000 $ 120,000
Seminole, Florida 1 $ 155,000 $ 155,000 $ 81,000
St. Johns, Florida 1 $ 220,000 $ 220,000 $ 82,000
Columbia, Georgia 1 $ 85,000 $ 85,000 $ 76,000
DeKalb, Georgia 1 $ 220,000 $ 220,000 $ 54,000
Fannin, Georgia 1 $ 150,000 $ 150,000 $ 126,000
Harris, Georgia 1 $ 192,000 $ 192,000 $ 128,000
Henry, Georgia 1 $ 212,000 $ 212,000 $ 78,000
Rockdale, Georgia 1 $ 187,000 $ 187,000 $ 86,000
Honolulu, Hawaii 1 $ 50,000 $ 50,000 $ 238,000
Cook, Illinois 1 $ 124,000 $ 124,000 $ 144,000
Lake, Illinois 1 $ 403,000 $ 403,000 $ 205,000
St. Clair, Illinois 1 $ 150,000 $ 150,000 $ 155,000
Floyd, Indiana 1 $ 95,000 $ 95,000 $ 149,000
Johnson, Kansas 1 $ 223,000 $ 223,000 $ 182,000
Riley, Kansas 1 $ 65,000 $ 65,000 $ 136,000
Meade, Kentucky 1 $ 124,000 $ 124,000 $ 116,000
Vernon, Louisiana 1 $ 101,000 $ 101,000 $ 29,000
Cumberland, Maine 1 $ 125,000 $ 125,000 $ 128,000
Garrett, Maryland 1 $ 388,000 $ 388,000 $ 518,000
Harford, Maryland 1 $ 275,000 $ 275,000 $ 63,000
Worcester, Maryland 1 $ 117,000 $ 117,000 $ 92,000
Macomb, Michigan 1 $ 355,000 $ 355,000 $ 176,000
Ontonagon, Michigan 1 $ 72,000 $ 72,000 $ 46,000
Wright, Minnesota 1 $ 155,000 $ 155,000 $ 76,000
Marion, Mississippi 1 $ 50,000 $ 50,000 $ 59,000
Christian, Missouri 1 $ 50,000 $ 50,000 $ 54,000
Newton, Missouri 1 $ 18,000 $ 18,000 $ 44,000
Platte, Missouri 1 $ 218,000 $ 218,000 $ 115,000
Pulaski, Missouri 1 $ 30,000 $ 30,000 $ 148,000
Valley, Montana 1 $ 100,000 $ 100,000 $ 87,000
Carson City, Nevada 1 $ 50,000 $ 50,000 $ 158,000
Grafton, New Hampshire 1 $ 105,000 $ 105,000 $ 54,000
Hillsborough, New Hampshire 1 $ 295,000 $ 295,000 $ 122,000
Merrimack, New Hampshire 1 $ 35,000 $ 35,000 $ 131,000
Strafford, New Hampshire 1 $ 110,000 $ 110,000 $ 76,000
Monmouth, New Jersey 1 $ 20,000 $ 20,000 $ 64,000
Morris, New Jersey 1 $ 195,000 $ 195,000 $ 80,000
Passaic, New Jersey 1 $ 227,000 $ 227,000 $ 69,000
Otero, New Mexico 1 $ 110,000 $ 110,000 $ 324,000
Jefferson, New York 1 $ 60,000 $ 60,000 $ 88,000
Kings, New York 1 $ 188,000 $ 188,000 $ 68,000
Monroe, New York 1 $ 256,000 $ 256,000 $ 185,000
Nassau, New York 1 $ 132,000 $ 132,000 $ 82,000
Oneida, New York 1 $ 50,000 $ 50,000 $ 87,000
Westchester, New York 1 $ 298,000 $ 298,000 $ 125,000
Carteret, North Carolina 1 $ 68,000 $ 68,000 $ 214,000
Chatham, North Carolina 1 $ 417,000 $ 417,000 $ 158,000
Cherokee, North Carolina 1 $ 25,000 $ 25,000 $ 57,000
Craven, North Carolina 1 $ 390,000 $ 390,000 $ 168,000
Durham, North Carolina 1 $ 86,000 $ 86,000 $ 182,000
Gaston, North Carolina 1 $ 205,000 $ 205,000 $ 154,000
Guilford, North Carolina 1 $ 314,000 $ 314,000 $ 163,000
Hertford, North Carolina 1 $ 100,000 $ 100,000 $ 43,000
Hoke, North Carolina 1 $ 208,000 $ 208,000 $ 181,000
Mecklenburg, North Carolina 1 $ 125,000 $ 125,000 $ 22,000
Onslow, North Carolina 1 $ 180,000 $ 180,000 $ 140,000
Union, North Carolina 1 $ 355,000 $ 355,000 $ 115,000
Wake, North Carolina 1 $ 114,000 $ 114,000 $ 139,000
Wayne, North Carolina 1 $ 165,000 $ 165,000 $ 185,000
Franklin, Ohio 1 $ 92,000 $ 92,000 $ 61,000
Greene, Ohio 1 $ 48,000 $ 48,000 $ 113,000
Hancock, Ohio 1 $ 92,000 $ 92,000 $ 76,000
Lorain, Ohio 1 $ 300,000 $ 300,000 $ 139,000
Morgan, Ohio 1 $ 10,000 $ 10,000 $ 64,000
Portage, Ohio 1 $ 126,000 $ 126,000 $ 128,000
Trumbull, Ohio 1 $ 193,000 $ 193,000 $ 82,000
Canadian, Oklahoma 1 $ 103,000 $ 103,000 $ 96,000
McIntosh, Oklahoma 1 $ 165,000 $ 165,000 $ 91,000
Pittsburg, Oklahoma 1 $ 164,000 $ 164,000 $ 91,000
Adams, Pennsylvania 1 $ 176,000 $ 176,000 $ 137,000
Allegheny, Pennsylvania 1 $ 50,000 $ 50,000 $ 26,000
Delaware, Pennsylvania 1 $ 106,000 $ 106,000 $ 99,000
Luzerne, Pennsylvania 1 $ 417,000 $ 417,000 $ 102,000
Monroe, Pennsylvania 1 $ 169,000 $ 169,000 $ 91,000
Northampton, Pennsylvania 1 $ 186,000 $ 186,000 $ 171,000
Aiken, South Carolina 1 $ 50,000 $ 50,000 $ 116,000
Florence, South Carolina 1 $ 88,000 $ 88,000 $ 33,000
Lexington, South Carolina 1 $ 140,000 $ 140,000 $ 86,000
Richland, South Carolina 1 $ 36,000 $ 36,000 $ 57,000
Fayette, Tennessee 1 $ 26,000 $ 26,000 $ 62,000
Cameron, Texas 1 $ 275,000 $ 275,000 $ 140,000
Colorado, Texas 1 $ 52,000 $ 52,000 $ 66,000
El Paso, Texas 1 $ 86,000 $ 86,000 $ 37,000
Harris, Texas 1 $ 193,000 $ 193,000 $ 210,000
Wilson, Texas 1 $ 323,000 $ 323,000 $ 112,000
Campbell, Virginia 1 $ 187,000 $ 187,000 $ 79,000
Chesterfield, Virginia 1 $ 130,000 $ 130,000 $ 125,000
Colonial Heights, Virginia 1 $ 165,000 $ 165,000 $ 130,000
Culpeper, Virginia 1 $ 260,000 $ 260,000 $ 115,000
Frederick, Virginia 1 $ 183,000 $ 183,000 $ 114,000
King George, Virginia 1 $ 232,000 $ 232,000 $ 73,000
King William, Virginia 1 $ 120,000 $ 120,000 $ 51,000
Lunenburg, Virginia 1 $ 50,000 $ 50,000 $ 36,000
Newport News, Virginia 1 $ 325,000 $ 325,000 $ 63,000
Orange, Virginia 1 $ 205,000 $ 205,000 $ 156,000
Portsmouth, Virginia 1 $ 30,000 $ 30,000 $ 95,000
Powhatan, Virginia 1 $ 125,000 $ 125,000 $ 138,000
Prince Edward, Virginia 1 $ 386,000 $ 386,000 $ 129,000
Suffolk, Virginia 1 $ 132,000 $ 132,000 $ 23,000
Island, Washington 1 $ 39,000 $ 39,000 $ 214,000
King, Washington 1 $ 240,000 $ 240,000 $ 140,000
Preston, West Virginia 1 $ 154,000 $ 154,000 $ 72,000
Marathon, Wisconsin 1 $ 35,000 $ 35,000 $ 65,000
Milwaukee, Wisconsin 1 $ 67,000 $ 67,000 $ 18,000
Shawano, Wisconsin 1 $ 200,000 $ 200,000 $ 94,000
Laramie, Wyoming 1 $ 164,000 $ 164,000 $ 190,000

Mortgage Loan Application Detail Totals for Andrews Federal Credit Union in 2012

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 603 $120,173,000 $199,000 $850,000 $110,000 $423,000
Home Purchase 269 $47,141,000 $175,000 $852,000 $116,000 $4,304,000
Home Improvement 76 $3,327,000 $43,000 $200,000 $97,000 $666,000

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 362 $60,483,000 $167,000 $664,000 $98,000 $1,459,000
White 270 $53,664,000 $198,000 $850,000 $117,000 $518,000
Not Provided 222 $38,626,000 $173,000 $700,000 $108,000 $666,000
Hispanic 43 $7,857,000 $182,000 $510,000 $112,000 $385,000
Asian 35 $7,477,000 $213,000 $852,000 $212,000 $4,304,000
American Indian or Alaskan Native 12 $2,072,000 $172,000 $302,000 $106,000 $185,000
Native Hawaiian or Other Pacific Islander 4 $462,000 $115,000 $242,000 $131,000 $238,000
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) 948 $170,641,000 $180,000 $852,000 $111,000 $4,304,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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
Application Denied By Financial Institution 289 $48,917,000 $169,000 $700,000 $99,000 $666,000
Loan Originated 263 $52,619,000 $200,000 $852,000 $133,000 $4,304,000
Application Withdrawn By Applicant 142 $24,074,000 $169,000 $625,000 $112,000 $354,000
Preapproval Denied by Financial Institution 129 $20,733,000 $160,000 $417,000 $91,000 $1,459,000
File Closed For Incompleteness 73 $14,234,000 $194,000 $532,000 $115,000 $354,000
Preapproval Approved but not Accepted 52 $10,064,000 $193,000 $494,000 $105,000 $307,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Loan Purchased By The 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
Collateral 4 $1,046,000 $261,000 $356,000 $107,000 $164,000
Debt-To-Income Ratio 3 $644,000 $214,000 $294,000 $77,000 $174,000
Credit History 2 $345,000 $172,000 $193,000 $137,000 $210,000
Credit Application Incomplete 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Andrews Federal Credit Union's 2012 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 Andrews Federal Credit Union'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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