Congressional Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Congressional Federal Credit Union of Oakton, VA reported 643 mortgage applications totaling $175.8 million, up 16% from 2018. The average application was for $273,444, and applicants reported an average income of $161,318. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (341), Washington-Baltimore-Arlington, DC (50) and Baltimore-Columbia-Towson, MD (33) (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 | 643 |
| Total Mortgage Loan Application Amount | $175,825,000 |
| Average Mortgage Loan Application Amount | $273,444 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $161,318 |
| Highest Applicant Income | $977,000 |
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Congressional Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 341 | $ 102,925,000 | $ 301,832 | $ 167,835 |
| Washington-Baltimore-Arlington, DC | 50 | $ 16,700,000 | $ 334,000 | $ 179,000 |
| Baltimore-Columbia-Towson, MD | 33 | $ 8,625,000 | $ 261,363 | $ 214,000 |
| Outside any metro area | 27 | $ 3,855,000 | $ 142,777 | $ 225,636 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 2,780,000 | $ 278,000 | $ 290,600 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 1,500,000 | $ 187,500 | $ 120,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 3,720,000 | $ 465,000 | $ 261,000 |
| California-Lexington Park, MD | 6 | $ 460,000 | $ 76,666 | $ 130,000 |
| Columbus, OH | 5 | $ 695,000 | $ 139,000 | $ 135,000 |
| New York-Newark, NY | 5 | $ 975,000 | $ 195,000 | $ 105,000 |
| Richmond, VA | 5 | $ 1,015,000 | $ 203,000 | $ 160,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 945,000 | $ 189,000 | $ 367,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,310,000 | $ 327,500 | $ 510,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 780,000 | $ 195,000 | $ 127,000 |
| Raleigh, NC | 4 | $ 770,000 | $ 192,500 | $ 106,000 |
| Chicago-Naperville, IL | 3 | $ 1,275,000 | $ 425,000 | $ 0 |
| Kansas City, MO-KS | 3 | $ 305,000 | $ 101,666 | $ 319,000 |
| Montgomery, AL | 3 | $ 765,000 | $ 255,000 | $ 154,000 |
| Newark, NJ-PA | 3 | $ 915,000 | $ 305,000 | $ 353,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 555,000 | $ 185,000 | $ 129,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 645,000 | $ 215,000 | $ 70,000 |
| Providence-Warwick, RI-MA | 3 | $ 605,000 | $ 201,666 | $ 126,000 |
| Austin-Round Rock, TX | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 470,000 | $ 235,000 | $ 136,000 |
| Burlington-South Burlington, VT | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Camden, NJ | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Jacksonville, FL | 2 | $ 360,000 | $ 180,000 | $ 118,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 300,000 | $ 150,000 | $ 77,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 880,000 | $ 440,000 | $ 278,000 |
| Salt Lake City, UT | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 320,000 | $ 160,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Wilmington, NC | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Abilene, TX | 1 | $ 85,000 | $ 85,000 | $ 127,000 |
| Albuquerque, NM | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Amarillo, TX | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Birmingham-Hoover, AL | 1 | $ 365,000 | $ 365,000 | $ 178,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Boston, MA | 1 | $ 545,000 | $ 545,000 | $ 256,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 175,000 | $ 175,000 | $ 128,000 |
| Carbondale-Marion, IL | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Charlottesville, VA | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Chattanooga, TN-GA | 1 | $ 875,000 | $ 875,000 | $ 189,000 |
| Cleveland-Elyria, OH | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Cumberland, MD-WV | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 275,000 | $ 275,000 | $ 211,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 95,000 | $ 95,000 | $ 134,000 |
| Fort Collins, CO | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Gainesville, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 305,000 | $ 305,000 | $ 294,000 |
| Lincoln, NE | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 565,000 | $ 565,000 | $ 125,000 |
| Lynchburg, VA | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 465,000 | $ 465,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 75,000 | $ 75,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 155,000 | $ 155,000 | $ 188,000 |
| Ocala, FL | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Philadelphia, PA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Reno, NV | 1 | $ 355,000 | $ 355,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 515,000 | $ 515,000 | $ 231,000 |
| Springfield, MA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Springfield, MO | 1 | $ 115,000 | $ 115,000 | $ 148,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tallahassee, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Trenton, NJ | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Tucson, AZ | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Utica-Rome, NY | 1 | $ 175,000 | $ 175,000 | $ 257,000 |
| Winchester, VA-WV | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Winston-Salem, NC | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Worcester, MA-CT | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| York-Hanover, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
Mortgage Loan Application Detail Totals for Congressional Federal Credit Union in 2019
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 | 310 | $60,140,000 | $194,000 | $1,505,000 | $148,000 | $480,000 |
| Home Purchase | 179 | $62,215,000 | $347,000 | $1,235,000 | $178,000 | $977,000 |
| Refinancing | 150 | $53,140,000 | $354,000 | $1,205,000 | $169,000 | $602,000 |
| Other Purpose | 4 | $330,000 | $82,000 | $125,000 | $159,000 | $263,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 322 | $95,150,000 | $295,000 | $1,505,000 | $188,000 | $977,000 |
| Not Provided | 134 | $35,670,000 | $266,000 | $1,195,000 | $175,000 | $682,000 |
| Black or African American | 104 | $21,820,000 | $209,000 | $865,000 | $124,000 | $312,000 |
| Hispanic | 44 | $9,370,000 | $212,000 | $595,000 | $118,000 | $294,000 |
| Asian | 20 | $6,420,000 | $321,000 | $1,205,000 | $208,000 | $250,000 |
| American Indian or Alaskan Native | 4 | $900,000 | $225,000 | $325,000 | $188,000 | $188,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Not applicable | 1 | $875,000 | $875,000 | $875,000 | $189,000 | $189,000 |
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) | 643 | $175,825,000 | $273,000 | $1,505,000 | $172,000 | $977,000 |
| 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 | 447 | $125,265,000 | $280,000 | $1,235,000 | $176,000 | $977,000 |
| Application Denied By Financial Institution | 95 | $20,335,000 | $214,000 | $825,000 | $136,000 | $370,000 |
| Application Withdrawn By Applicant | 64 | $20,240,000 | $316,000 | $1,505,000 | $180,000 | $480,000 |
| File Closed For Incompleteness | 25 | $6,515,000 | $260,000 | $695,000 | $211,000 | $500,000 |
| Application Approved But Not Accepted | 12 | $3,470,000 | $289,000 | $435,000 | $145,000 | $257,000 |
| 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 | 643 | $175,825,000 | $273,000 | $1,505,000 | $172,000 | $977,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Congressional Federal Credit Union's 2019 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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