Bank-Fund Staff Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Bank-Fund Staff Federal Credit Union 2004 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 | Bank-Fund Staff Federal Credit Union 1725 I Street Nw Suite 150 Washington, DC 20006 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,637 |
| Total Mortgage Loan Application Amount | $794,231,000 |
| Average Mortgage Loan Application Amount | $256,369 |
| Highest Mortgage Loan Application Amount | $1,520,000 |
| Average Applicant Income | $120,282 |
| Highest Applicant Income | $1,803,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Bank-Fund Staff Federal Credit Union. 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 Bank-Fund Staff Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Bank-Fund Staff Federal Credit Union'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 Bank-Fund Staff Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank-Fund Staff Federal Credit Union, 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 Bank-Fund Staff Federal Credit Union's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Maryland | 653 | $ 192,768,000 | $ 295,000 | $ 134,000 |
| Fairfax County Virginia | 483 | $ 125,175,000 | $ 259,000 | $ 110,000 |
| District of Columbia County District Of Columbia | 443 | $ 149,522,000 | $ 337,000 | $ 148,000 |
| Arlington County Virginia | 125 | $ 33,118,000 | $ 264,000 | $ 114,000 |
| Prince George's County Maryland | 89 | $ 14,438,000 | $ 162,000 | $ 68,000 |
| Alexandria County Virginia | 56 | $ 11,636,000 | $ 207,000 | $ 84,000 |
| Prince William County Virginia | 43 | $ 7,778,000 | $ 180,000 | $ 80,000 |
| Loudoun County Virginia | 40 | $ 11,557,000 | $ 288,000 | $ 103,000 |
| Howard County Maryland | 17 | $ 2,824,000 | $ 166,000 | $ 76,000 |
| Anne Arundel County Maryland | 11 | $ 2,731,000 | $ 248,000 | $ 86,000 |
| Fairfax City County Virginia | 10 | $ 2,296,000 | $ 229,000 | $ 93,000 |
| Sussex County Delaware | 9 | $ 2,464,000 | $ 273,000 | $ 245,000 |
| Falls Church County Virginia | 9 | $ 2,735,000 | $ 303,000 | $ 84,000 |
| Baltimore City County Maryland | 8 | $ 999,000 | $ 124,000 | $ 79,000 |
| Frederick County Maryland | 8 | $ 1,978,000 | $ 247,000 | $ 92,000 |
| Miami-Dade County Florida | 4 | $ 1,015,000 | $ 253,000 | $ 146,000 |
| Charles County Maryland | 4 | $ 926,000 | $ 231,000 | $ 101,000 |
| Los Angeles County California | 3 | $ 581,000 | $ 193,000 | $ 80,000 |
| Duval County Florida | 3 | $ 546,000 | $ 182,000 | $ 129,000 |
| Calvert County Maryland | 3 | $ 614,000 | $ 204,000 | $ 57,000 |
| Harford County Maryland | 3 | $ 501,000 | $ 167,000 | $ 89,000 |
| Fauquier County Virginia | 3 | $ 1,046,000 | $ 348,000 | $ 213,000 |
| Rappahannock County Virginia | 3 | $ 703,000 | $ 234,000 | $ 161,000 |
| Spotsylvania County Virginia | 3 | $ 482,000 | $ 160,000 | $ 77,000 |
| Jefferson County West Virginia | 3 | $ 667,000 | $ 222,000 | $ 46,000 |
| New Haven County Connecticut | 2 | $ 124,000 | $ 62,000 | $ 97,000 |
| New Castle County Delaware | 2 | $ 520,000 | $ 260,000 | $ 56,000 |
| Palm Beach County Florida | 2 | $ 525,000 | $ 262,000 | $ 194,000 |
| Carroll County Maryland | 2 | $ 390,000 | $ 195,000 | $ 40,000 |
| Garrett County Maryland | 2 | $ 550,000 | $ 275,000 | $ 223,000 |
| Talbot County Maryland | 2 | $ 420,000 | $ 210,000 | $ 147,000 |
| Worcester County Maryland | 2 | $ 408,000 | $ 204,000 | $ 246,000 |
| Middlesex County Massachusetts | 2 | $ 415,000 | $ 207,000 | $ 52,000 |
| Hudson County New Jersey | 2 | $ 516,000 | $ 258,000 | $ 126,000 |
| Dare County North Carolina | 2 | $ 505,000 | $ 252,000 | $ 149,000 |
| Chesapeake County Virginia | 2 | $ 265,000 | $ 132,000 | $ 45,000 |
| Nelson County Virginia | 2 | $ 545,000 | $ 272,000 | $ 281,000 |
| Shenandoah County Virginia | 2 | $ 491,000 | $ 245,000 | $ 143,000 |
| Stafford County Virginia | 2 | $ 255,000 | $ 127,000 | $ 75,000 |
| Maricopa County Arizona | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Pima County Arizona | 1 | $ 200,000 | $ 200,000 | $ 391,000 |
| Contra Costa County California | 1 | $ 679,000 | $ 679,000 | $ 180,000 |
| El Dorado County California | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| San Diego County California | 1 | $ 200,000 | $ 200,000 | $ 118,000 |
| Fairfield County Connecticut | 1 | $ 912,000 | $ 912,000 | $ 311,000 |
| New London County Connecticut | 1 | $ 900,000 | $ 900,000 | $ 291,000 |
| Broward County Florida | 1 | $ 188,000 | $ 188,000 | $ 98,000 |
| Collier County Florida | 1 | $ 340,000 | $ 340,000 | $ 173,000 |
| Indian River County Florida | 1 | $ 200,000 | $ 200,000 | $ 165,000 |
| Orange County Florida | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Osceola County Florida | 1 | $ 76,000 | $ 76,000 | $ 130,000 |
| Pasco County Florida | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Sarasota County Florida | 1 | $ 252,000 | $ 252,000 | $ 82,000 |
| St. Johns County Florida | 1 | $ 175,000 | $ 175,000 | $ 157,000 |
| Volusia County Florida | 1 | $ 672,000 | $ 672,000 | $ 256,000 |
| Chatham County Georgia | 1 | $ 381,000 | $ 381,000 | $ 205,000 |
| Cobb County Georgia | 1 | $ 169,000 | $ 169,000 | $ 85,000 |
| DeKalb County Georgia | 1 | $ 260,000 | $ 260,000 | $ 90,000 |
| Hawaii County Hawaii | 1 | $ 361,000 | $ 361,000 | $ 99,000 |
| Cook County Illinois | 1 | $ 326,000 | $ 326,000 | $ 152,000 |
| Lake County Illinois | 1 | $ 840,000 | $ 840,000 | $ 425,000 |
| Fayette County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Baltimore County Maryland | 1 | $ 228,000 | $ 228,000 | $ 80,000 |
| Dorchester County Maryland | 1 | $ 500,000 | $ 500,000 | $ 298,000 |
| Queen Anne's County Maryland | 1 | $ 435,000 | $ 435,000 | $ 200,000 |
| Somerset County Maryland | 1 | $ 500,000 | $ 500,000 | $ 217,000 |
| St. Mary's County Maryland | 1 | $ 300,000 | $ 300,000 | $ 231,000 |
| Barnstable County Massachusetts | 1 | $ 800,000 | $ 800,000 | $ 468,000 |
| Hampden County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Worcester County Massachusetts | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Clark County Nevada | 1 | $ 300,000 | $ 300,000 | $ 104,000 |
| Bergen County New Jersey | 1 | $ 312,000 | $ 312,000 | $ 83,000 |
| Jefferson County New York | 1 | $ 124,000 | $ 124,000 | $ 137,000 |
| New York County New York | 1 | $ 425,000 | $ 425,000 | $ 170,000 |
| Suffolk County New York | 1 | $ 470,000 | $ 470,000 | $ 539,000 |
| Brunswick County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 51,000 |
| Mecklenburg County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 51,000 |
| Cuyahoga County Ohio | 1 | $ 129,000 | $ 129,000 | $ 153,000 |
| Franklin County Ohio | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Lancaster County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 182,000 |
| Philadelphia County Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 258,000 |
| Snyder County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 82,000 |
| Horry County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Hood County Texas | 1 | $ 211,000 | $ 211,000 | $ 26,000 |
| Albemarle County Virginia | 1 | $ 183,000 | $ 183,000 | $ 59,000 |
| Caroline County Virginia | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Charlottesville County Virginia | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Chesterfield County Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Giles County Virginia | 1 | $ 114,000 | $ 114,000 | $ 53,000 |
| Hanover County Virginia | 1 | $ 120,000 | $ 120,000 | $ 131,000 |
| Orange County Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 152,000 | $ 152,000 | $ 50,000 |
| Roanoke County Virginia | 1 | $ 211,000 | $ 211,000 | $ 122,000 |
| Rockbridge County Virginia | 1 | $ 348,000 | $ 348,000 | $ 382,000 |
| Virginia Beach County Virginia | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Warren County Virginia | 1 | $ 30,000 | $ 30,000 | $ 135,000 |
| Kitsap County Washington | 1 | $ 635,000 | $ 635,000 | $ 217,000 |
| Whatcom County Washington | 1 | $ 334,000 | $ 334,000 | $ 168,000 |
| Berkeley County West Virginia | 1 | $ 90,000 | $ 90,000 | $ 142,000 |
| Kanawha County West Virginia | 1 | $ 62,000 | $ 62,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Bank-Fund Staff Federal Credit Union 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 | 1,399 | $491,484,000 | $286,000 | $1,520,000 | $150,363 | $1,803,000 |
| Refinancing | 810 | $256,639,000 | $275,470 | $1,383,000 | $123,294 | $750,000 |
| Home Improvement | 428 | $46,108,000 | $116,857 | $800,000 | $18,428 | $646,000 |
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 | 1,343 | $427,230,000 | $282,350 | $1,295,000 | $153,600 | $1,803,000 |
| Asian | 484 | $154,979,000 | $283,230 | $1,383,000 | $130,000 | $1,306,000 |
| Black or African American | 370 | $90,337,000 | $247,666 | $1,200,000 | $94,000 | $906,000 |
| Hispanic | 341 | $90,573,000 | $271,727 | $1,520,000 | $100,272 | $646,000 |
| Not Provided | 82 | $26,554,000 | $280,090 | $1,400,000 | $131,090 | $546,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,999,000 | $249,333 | $530,000 | $113,666 | $269,000 |
| American Indian or Alaskan Native | 5 | $1,559,000 | $311,800 | $475,000 | $116,600 | $181,000 |
| 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) | 2,637 | $794,231,000 | $268,320 | $1,520,000 | $124,040 | $1,803,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,519 | $423,045,000 | $265,000 | $1,520,000 | $132,800 | $646,000 |
| Application Approved But Not Accepted | 394 | $164,127,000 | $324,333 | $1,400,000 | $124,166 | $1,803,000 |
| Application Withdrawn By Applicant | 334 | $84,005,000 | $241,250 | $1,200,000 | $75,875 | $580,000 |
| Loan Purchased By The Institution | 199 | $60,892,000 | $278,090 | $1,383,000 | $143,727 | $750,000 |
| Application Denied By Financial Institution | 112 | $31,622,000 | $265,200 | $890,000 | $70,000 | $406,000 |
| File Closed For Incompleteness | 62 | $22,379,000 | $326,500 | $1,295,000 | $127,250 | $1,092,000 |
| Preapproval Approved but not Accepted | 17 | $8,161,000 | $480,000 | $850,000 | $115,000 | $236,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 50 | $11,601,000 | $214,250 | $600,000 | $38,250 | $186,000 |
| Other | 26 | $8,262,000 | $302,333 | $890,000 | $100,000 | $162,000 |
| Credit History | 25 | $8,140,000 | $332,500 | $650,000 | $126,000 | $406,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,270,000 | $318,000 | $480,000 | $122,000 | $168,000 |
| Unverifiable Information | 3 | $1,196,000 | $398,666 | $500,000 | $99,000 | $160,000 |
| Employment History | 3 | $865,000 | $288,000 | $460,000 | $61,000 | $89,000 |
| Collateral | 1 | $288,000 | $288,000 | $288,000 | $87,000 | $87,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank-Fund Staff Federal Credit Union'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 Bank-Fund Staff 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.
For a list of all lenders in District Of Columbia, download the full spreadsheet
with aggregated HMDA statistics today.