Congressional Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Congressional Federal Credit Union of Oakton, VA reported 451 mortgage applications totaling $123.1 million, up 55% from 2013. The average application was for $273,055, and applicants reported an average income of $166,583. 67% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (240), Silver Spring-Frederick-Rockville, MD (34) and Baltimore-Columbia-Towson, MD (21) (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 | 451 |
| Total Mortgage Loan Application Amount | $123,148,000 |
| Average Mortgage Loan Application Amount | $273,055 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $166,583 |
| Highest Applicant Income | $1,221,000 |
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Congressional Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 240 | $ 73,789,000 | $ 307,454 | $ 162,966 |
| Silver Spring-Frederick-Rockville, MD | 34 | $ 11,341,000 | $ 333,558 | $ 175,000 |
| Baltimore-Columbia-Towson, MD | 21 | $ 5,833,000 | $ 277,761 | $ 159,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,206,000 | $ 367,666 | $ 165,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,434,000 | $ 286,800 | $ 127,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 572,000 | $ 143,000 | $ 115,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 948,000 | $ 237,000 | $ 112,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,551,000 | $ 387,750 | $ 244,500 |
| Newark, NJ-PA | 4 | $ 850,000 | $ 212,500 | $ 131,000 |
| Salisbury, MD-DE | 4 | $ 1,179,000 | $ 294,750 | $ 509,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 781,000 | $ 260,333 | $ 207,000 |
| Charleston-North Charleston, SC | 3 | $ 564,000 | $ 188,000 | $ 102,000 |
| Columbus, OH | 3 | $ 705,000 | $ 235,000 | $ 276,000 |
| Raleigh, NC | 3 | $ 309,000 | $ 103,000 | $ 79,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 872,000 | $ 290,666 | $ 201,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,240,000 | $ 413,333 | $ 168,000 |
| Barnstable Town, MA | 2 | $ 78,000 | $ 39,000 | $ 475,000 |
| Boulder, CO | 2 | $ 469,000 | $ 234,500 | $ 60,000 |
| California-Lexington Park, MD | 2 | $ 236,000 | $ 118,000 | $ 79,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 720,000 | $ 360,000 | $ 145,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 105,000 | $ 52,500 | $ 61,000 |
| Eugene, OR | 2 | $ 916,000 | $ 458,000 | $ 195,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 414,000 | $ 207,000 | $ 121,000 |
| Greensboro-High Point, NC | 2 | $ 285,000 | $ 142,500 | $ 68,000 |
| Lansing-East Lansing, MI | 2 | $ 279,000 | $ 139,500 | $ 360,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 324,000 | $ 162,000 | $ 103,000 |
| Portland-South Portland, ME | 2 | $ 457,000 | $ 228,500 | $ 268,000 |
| Richmond, VA | 2 | $ 510,000 | $ 255,000 | $ 267,000 |
| Rochester, NY | 2 | $ 343,000 | $ 171,500 | $ 214,000 |
| St. Louis, MO-IL | 2 | $ 110,000 | $ 55,000 | $ 159,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 869,000 | $ 434,500 | $ 197,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 498,000 | $ 249,000 | $ 128,000 |
| Wilmington, DE-MD-NJ | 2 | $ 879,000 | $ 439,500 | $ 651,000 |
| York-Hanover, PA | 2 | $ 432,000 | $ 216,000 | $ 97,000 |
| Albuquerque, NM | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Asheville, NC | 1 | $ 180,000 | $ 180,000 | $ 130,000 |
| Austin-Round Rock, TX | 1 | $ 14,000 | $ 14,000 | $ 55,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 268,000 | $ 268,000 | $ 136,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 299,000 | $ 299,000 | $ 100,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 126,000 | $ 126,000 | $ 111,000 |
| Clarksville, TN-KY | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Cleveland-Elyria, OH | 1 | $ 175,000 | $ 175,000 | $ 149,000 |
| Columbia, SC | 1 | $ 210,000 | $ 210,000 | $ 250,000 |
| Dalton, GA | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 440,000 | $ 440,000 | $ 150,000 |
| Durham-Chapel Hill, NC | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| East Stroudsburg, PA | 1 | $ 116,000 | $ 116,000 | $ 119,000 |
| Fort Worth-Arlington, TX | 1 | $ 20,000 | $ 20,000 | $ 120,000 |
| Grand Forks, ND-MN | 1 | $ 65,000 | $ 65,000 | $ 550,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 312,000 | $ 312,000 | $ 219,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 76,000 | $ 76,000 | $ 120,000 |
| Harrisburg-Carlisle, PA | 1 | $ 20,000 | $ 20,000 | $ 94,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 186,000 | $ 186,000 | $ 122,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Jacksonville, FL | 1 | $ 234,000 | $ 234,000 | $ 202,000 |
| Joplin, MO | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Kansas City, MO-KS | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Lakeland-Winter Haven, FL | 1 | $ 40,000 | $ 40,000 | $ 77,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 188,000 | $ 188,000 | $ 106,000 |
| Lynchburg, VA | 1 | $ 86,000 | $ 86,000 | $ 85,000 |
| Madison, WI | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Memphis, TN-MS-AR | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 196,000 | $ 196,000 | $ 114,000 |
| Nassau County-Suffolk County, NY | 1 | $ 72,000 | $ 72,000 | $ 521,000 |
| New Orleans-Metairie, LA | 1 | $ 248,000 | $ 248,000 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 136,000 | $ 136,000 | $ 101,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 65,000 | $ 65,000 | $ 101,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Philadelphia, PA | 1 | $ 24,000 | $ 24,000 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 13,000 | $ 13,000 | $ 105,000 |
| Rochester, MN | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Salt Lake City, UT | 1 | $ 508,000 | $ 508,000 | $ 174,000 |
| San Antonio-New Braunfels, TX | 1 | $ 59,000 | $ 59,000 | $ 78,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 218,000 | $ 218,000 | $ 162,000 |
| Savannah, GA | 1 | $ 172,000 | $ 172,000 | $ 97,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Sioux Falls, SD | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Trenton, NJ | 1 | $ 158,000 | $ 158,000 | $ 91,000 |
| Tulsa, OK | 1 | $ 113,000 | $ 113,000 | $ 107,000 |
| Wausau, WI | 1 | $ 320,000 | $ 320,000 | $ 274,000 |
| Winchester, VA-WV | 1 | $ 262,000 | $ 262,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Congressional Federal Credit Union in 2014
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 | 195 | $57,450,000 | $294,000 | $1,150,000 | $179,000 | $1,221,000 |
| Home Purchase | 184 | $55,542,000 | $301,000 | $895,000 | $156,000 | $998,000 |
| Home Improvement | 72 | $10,156,000 | $141,000 | $560,000 | $160,000 | $573,000 |
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 | 291 | $85,473,000 | $293,000 | $1,150,000 | $178,000 | $1,221,000 |
| Black or African American | 70 | $15,637,000 | $223,000 | $932,000 | $131,000 | $421,000 |
| Not Provided | 45 | $9,999,000 | $222,000 | $895,000 | $165,000 | $540,000 |
| Hispanic | 22 | $4,851,000 | $220,000 | $626,000 | $172,000 | $998,000 |
| Asian | 18 | $6,296,000 | $349,000 | $626,000 | $127,000 | $342,000 |
| American Indian or Alaskan Native | 4 | $852,000 | $213,000 | $255,000 | $146,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $77,000 | $77,000 |
| 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) | 451 | $123,148,000 | $273,000 | $1,150,000 | $167,000 | $1,221,000 |
| 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 | 302 | $87,562,000 | $289,000 | $1,150,000 | $176,000 | $1,221,000 |
| Application Denied By Financial Institution | 92 | $22,311,000 | $242,000 | $1,050,000 | $139,000 | $475,000 |
| Application Approved But Not Accepted | 42 | $10,149,000 | $241,000 | $895,000 | $164,000 | $787,000 |
| Application Withdrawn By Applicant | 12 | $2,788,000 | $232,000 | $550,000 | $174,000 | $540,000 |
| File Closed For Incompleteness | 3 | $338,000 | $112,000 | $173,000 | $101,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $6,855,000 | $263,000 | $932,000 | $110,000 | $244,000 |
| Collateral | 25 | $7,415,000 | $296,000 | $1,050,000 | $189,000 | $475,000 |
| Credit History | 19 | $4,430,000 | $233,000 | $605,000 | $130,000 | $352,000 |
| Other | 7 | $990,000 | $141,000 | $320,000 | $147,000 | $274,000 |
| Credit Application Incomplete | 7 | $1,649,000 | $235,000 | $341,000 | $145,000 | $300,000 |
| Mortgage Insurance Denied | 4 | $338,000 | $84,000 | $238,000 | $97,000 | $147,000 |
| Unverifiable Information | 1 | $100,000 | $100,000 | $100,000 | $130,000 | $130,000 |
| Employment History | 1 | $284,000 | $284,000 | $284,000 | $86,000 | $86,000 |
| 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 2014 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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