Congressional Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Congressional Federal Credit Union of Oakton, VA reported 696 mortgage applications totaling $171.1 million, up 9% from 2024. The average application was for $245,775, and applicants reported an average income of $239,784. 68% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (165), Washington, DC-MD (145) and Washington-Baltimore-Arlington, DC (58) (applications in parentheses).
| Mortgage Company & Address | Congressional Federal Credit Union 10461 White Granite Drive Oakton, VA 22124 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 696 |
| Total Mortgage Loan Application Amount | $171,060,000 |
| Average Mortgage Loan Application Amount | $245,775 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $239,784 |
| Highest Applicant Income | $4,164,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Congressional Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Arlington-Alexandria-Reston, VA-WV | 165 | $ 44,295,000 | $ 268,454 | $ 266,151 |
| Washington, DC-MD | 145 | $ 34,225,000 | $ 236,034 | $ 249,910 |
| Washington-Baltimore-Arlington, DC | 58 | $ 18,030,000 | $ 310,862 | $ 269,000 |
| Baltimore-Columbia-Towson, MD | 49 | $ 8,165,000 | $ 166,632 | $ 196,000 |
| Outside any metro area | 33 | $ 8,135,000 | $ 246,515 | $ 183,121 |
| Lexington Park, MD | 11 | $ 1,385,000 | $ 125,909 | $ 165,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 3,015,000 | $ 335,000 | $ 277,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 2,715,000 | $ 387,857 | $ 265,000 |
| Oklahoma City, OK | 6 | $ 720,000 | $ 120,000 | $ 147,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,555,000 | $ 311,000 | $ 148,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 175,000 | $ 35,000 | $ 213,000 |
| Boston, MA | 5 | $ 1,435,000 | $ 287,000 | $ 223,000 |
| Chicago-Naperville, IL | 5 | $ 1,545,000 | $ 309,000 | $ 595,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,215,000 | $ 243,000 | $ 189,800 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 715,000 | $ 143,000 | $ 204,000 |
| Pittsburgh, PA | 5 | $ 1,645,000 | $ 329,000 | $ 184,000 |
| Richmond, VA | 5 | $ 595,000 | $ 119,000 | $ 241,000 |
| Asheville, NC | 4 | $ 1,680,000 | $ 420,000 | $ 211,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,290,000 | $ 572,500 | $ 399,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 640,000 | $ 160,000 | $ 119,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,300,000 | $ 325,000 | $ 180,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 260,000 | $ 65,000 | $ 191,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,560,000 | $ 640,000 | $ 229,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 600,000 | $ 150,000 | $ 245,000 |
| Raleigh, NC | 4 | $ 1,750,000 | $ 437,500 | $ 429,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 730,000 | $ 182,500 | $ 217,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 795,000 | $ 265,000 | $ 179,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 225,000 | $ 75,000 | $ 176,000 |
| Des Moines-West Des Moines, IA | 3 | $ 365,000 | $ 121,666 | $ 238,000 |
| Kansas City, MO-KS | 3 | $ 205,000 | $ 68,333 | $ 224,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 575,000 | $ 191,666 | $ 134,000 |
| Napa, CA | 3 | $ 1,585,000 | $ 528,333 | $ 356,000 |
| Newark, NJ-PA | 3 | $ 1,075,000 | $ 358,333 | $ 254,000 |
| Portland-South Portland, ME | 3 | $ 485,000 | $ 161,666 | $ 243,000 |
| San Diego-Carlsbad, CA | 3 | $ 535,000 | $ 178,333 | $ 219,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 825,000 | $ 275,000 | $ 566,000 |
| Tucson, AZ | 3 | $ 145,000 | $ 48,333 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 975,000 | $ 325,000 | $ 343,333 |
| Winchester, VA-WV | 3 | $ 185,000 | $ 61,666 | $ 126,000 |
| Albuquerque, NM | 2 | $ 590,000 | $ 295,000 | $ 264,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 200,000 | $ 100,000 | $ 258,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 490,000 | $ 245,000 | $ 87,000 |
| Camden, NJ | 2 | $ 160,000 | $ 80,000 | $ 250,000 |
| Champaign-Urbana, IL | 2 | $ 160,000 | $ 80,000 | $ 394,000 |
| Charleston, WV | 2 | $ 50,000 | $ 25,000 | $ 22,000 |
| Charleston-North Charleston, SC | 2 | $ 310,000 | $ 155,000 | $ 401,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 330,000 | $ 165,000 | $ 162,000 |
| Chattanooga, TN-GA | 2 | $ 660,000 | $ 330,000 | $ 306,000 |
| Cleveland, OH | 2 | $ 1,030,000 | $ 515,000 | $ 120,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 290,000 | $ 145,000 | $ 108,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 840,000 | $ 420,000 | $ 239,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 240,000 | $ 120,000 | $ 128,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 450,000 | $ 225,000 | $ 132,000 |
| Kalamazoo-Portage, MI | 2 | $ 810,000 | $ 405,000 | $ 185,000 |
| Lancaster, PA | 2 | $ 310,000 | $ 155,000 | $ 215,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 140,000 | $ 70,000 | $ 154,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 290,000 | $ 145,000 | $ 184,000 |
| Philadelphia, PA | 2 | $ 70,000 | $ 35,000 | $ 175,000 |
| Port St. Lucie, FL | 2 | $ 280,000 | $ 140,000 | $ 101,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 160,000 | $ 80,000 | $ 121,000 |
| Rochester, NY | 2 | $ 310,000 | $ 155,000 | $ 129,000 |
| Salt Lake City, UT | 2 | $ 120,000 | $ 60,000 | $ 42,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 760,000 | $ 380,000 | $ 520,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 545,000 | $ 545,000 | $ 570,000 |
| Athens-Clarke County, GA | 1 | $ 55,000 | $ 55,000 | $ 192,000 |
| Baton Rouge, LA | 1 | $ 395,000 | $ 395,000 | $ 651,000 |
| Boise City, ID | 1 | $ 145,000 | $ 145,000 | $ 256,000 |
| Bozeman, MT | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 655,000 | $ 655,000 | $ 500,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Charlottesville, VA | 1 | $ 385,000 | $ 385,000 | $ 225,000 |
| Cincinnati, OH-KY-IN | 1 | $ 345,000 | $ 345,000 | $ 254,000 |
| Columbus, OH | 1 | $ 555,000 | $ 555,000 | $ 267,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Durham-Chapel Hill, NC | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Elgin, IL | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Erie, PA | 1 | $ 35,000 | $ 35,000 | $ 316,000 |
| Fort Worth-Arlington, TX | 1 | $ 645,000 | $ 645,000 | $ 225,000 |
| Homosassa Springs, FL | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Houma-Thibodaux, LA | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Jacksonville, FL | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Joplin, MO | 1 | $ 215,000 | $ 215,000 | $ 227,000 |
| Kingston, NY | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Lawton, OK | 1 | $ 35,000 | $ 35,000 | $ 181,000 |
| Madison, WI | 1 | $ 25,000 | $ 25,000 | $ 319,000 |
| Marietta, GA | 1 | $ 175,000 | $ 175,000 | $ 195,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 315,000 | $ 315,000 | $ 201,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 105,000 | $ 105,000 | $ 296,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 255,000 | $ 255,000 | $ 160,000 |
| New Orleans-Metairie, LA | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 205,000 | $ 205,000 | $ 176,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 155,000 | $ 155,000 | $ 221,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 125,000 | $ 125,000 | $ 294,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Providence-Warwick, RI-MA | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Provo-Orem, UT | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Pueblo, CO | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Roanoke, VA | 1 | $ 795,000 | $ 795,000 | $ 485,000 |
| Salinas, CA | 1 | $ 505,000 | $ 505,000 | $ 348,000 |
| Santa Rosa, CA | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Savannah, GA | 1 | $ 505,000 | $ 505,000 | $ 438,000 |
| Shreveport-Bossier City, LA | 1 | $ 555,000 | $ 555,000 | $ 288,000 |
| Sioux Falls, SD | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Springfield, MO | 1 | $ 105,000 | $ 105,000 | $ 174,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Tampa, FL | 1 | $ 635,000 | $ 635,000 | $ 222,000 |
| Trenton, NJ | 1 | $ 785,000 | $ 785,000 | $ 345,000 |
| Urban Honolulu, HI | 1 | $ 345,000 | $ 345,000 | $ 171,000 |
| Wilmington, DE-MD-NJ | 1 | $ 475,000 | $ 475,000 | $ 178,000 |
| Winston-Salem, NC | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Congressional Federal Credit Union in 2025
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 335 | $60,475,000 | $180,000 | $1,125,000 | $227,000 | $4,164,000 |
| Other Purpose | 135 | $19,825,000 | $146,000 | $505,000 | $226,000 | $800,000 |
| Home Purchase | 130 | $66,650,000 | $512,000 | $1,705,000 | $290,000 | $3,651,000 |
| Home Improvement | 57 | $7,235,000 | $126,000 | $505,000 | $224,000 | $611,000 |
| Refinancing | 39 | $16,875,000 | $432,000 | $2,005,000 | $253,000 | $732,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 336 | $85,500,000 | $254,000 | $2,005,000 | $249,000 | $3,651,000 |
| Not Provided | 155 | $38,955,000 | $251,000 | $1,145,000 | $244,000 | $800,000 |
| Black or African American | 121 | $23,615,000 | $195,000 | $1,705,000 | $226,000 | $4,164,000 |
| Hispanic | 51 | $14,025,000 | $275,000 | $1,705,000 | $209,000 | $651,000 |
| Asian | 23 | $6,445,000 | $280,000 | $855,000 | $223,000 | $460,000 |
| American Indian or Alaskan Native | 9 | $2,445,000 | $271,000 | $805,000 | $245,000 | $557,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $58,000 | $58,000 |
| 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) | 696 | $171,060,000 | $245,000 | $2,005,000 | $240,000 | $4,164,000 |
| 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 | 471 | $114,785,000 | $243,000 | $2,005,000 | $260,000 | $4,164,000 |
| Application Denied By Financial Institution | 108 | $23,230,000 | $215,000 | $1,225,000 | $162,000 | $500,000 |
| Application Withdrawn By Applicant | 87 | $25,455,000 | $292,000 | $905,000 | $247,000 | $1,620,000 |
| File Closed For Incompleteness | 19 | $3,655,000 | $192,000 | $605,000 | $193,000 | $355,000 |
| Application Approved But Not Accepted | 11 | $3,935,000 | $357,000 | $1,205,000 | $180,000 | $393,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 588 | $147,830,000 | $251,000 | $2,005,000 | $254,000 | $4,164,000 |
| Debt-To-Income Ratio | 66 | $14,610,000 | $221,000 | $1,225,000 | $142,000 | $480,000 |
| Credit History | 16 | $2,520,000 | $157,000 | $505,000 | $181,000 | $297,000 |
| Collateral | 10 | $2,160,000 | $216,000 | $815,000 | $222,000 | $376,000 |
| Other | 9 | $1,525,000 | $169,000 | $405,000 | $195,000 | $336,000 |
| Unverifiable Information | 6 | $1,990,000 | $331,000 | $675,000 | $180,000 | $500,000 |
| Mortgage Insurance Denied | 1 | $425,000 | $425,000 | $425,000 | $187,000 | $187,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Congressional Federal Credit Union's 2025 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 Congressional 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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