Department Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Department Of Commerce 2020 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 | Department Of Commerce P.O. Box 14720 Washington, DC 20044 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 557 |
| Total Mortgage Loan Application Amount | $213,725,000 |
| Average Mortgage Loan Application Amount | $284,000 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $174,400 |
| Highest Applicant Income | $2,051,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Department Of Commerce. 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 Department Of Commerce's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Department Of Commerce'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 Department Of Commerce serves its applicants.
Each category highlights the total number of mortgage applications processed by Department Of Commerce, 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 Department Of Commerce's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henrico County Virginia | 71 | $ 22,635,000 | $ 318,000 | $ 138,000 |
| Fairfax County Virginia | 55 | $ 26,625,000 | $ 484,000 | $ 196,000 |
| Montgomery County Maryland | 53 | $ 25,935,000 | $ 489,000 | $ 173,000 |
| Richmond City County Virginia | 38 | $ 14,340,000 | $ 377,000 | $ 202,000 |
| District of Columbia County District Of Columbia | 37 | $ 20,135,000 | $ 544,000 | $ 242,000 |
| Prince George's County Maryland | 28 | $ 6,340,000 | $ 226,000 | $ 109,000 |
| Chesterfield County Virginia | 28 | $ 9,670,000 | $ 345,000 | $ 184,000 |
| Albemarle County Virginia | 20 | $ 7,730,000 | $ 386,000 | $ 228,000 |
| Arlington County Virginia | 17 | $ 10,045,000 | $ 590,000 | $ 241,000 |
| Anne Arundel County Maryland | 16 | $ 7,130,000 | $ 445,000 | $ 168,000 |
| Loudoun County Virginia | 15 | $ 7,415,000 | $ 494,000 | $ 164,000 |
| Howard County Maryland | 13 | $ 4,305,000 | $ 331,000 | $ 169,000 |
| Goochland County Virginia | 13 | $ 3,955,000 | $ 304,000 | $ 190,000 |
| Baltimore County Maryland | 11 | $ 4,335,000 | $ 394,000 | $ 175,000 |
| Hanover County Virginia | 11 | $ 3,055,000 | $ 277,000 | $ 134,000 |
| Chester County Pennsylvania | 6 | $ 2,720,000 | $ 453,000 | $ 179,000 |
| Alexandria County Virginia | 5 | $ 3,505,000 | $ 701,000 | $ 220,000 |
| Charlottesville County Virginia | 5 | $ 1,615,000 | $ 323,000 | $ 113,000 |
| Powhatan County Virginia | 5 | $ 1,495,000 | $ 299,000 | $ 127,000 |
| Sussex County Delaware | 4 | $ 830,000 | $ 207,000 | $ 91,000 |
| Charles County Maryland | 4 | $ 810,000 | $ 202,000 | $ 142,000 |
| Talbot County Maryland | 4 | $ 1,900,000 | $ 475,000 | $ 143,000 |
| Louisa County Virginia | 4 | $ 1,540,000 | $ 385,000 | $ 88,000 |
| Carroll County Maryland | 3 | $ 975,000 | $ 325,000 | $ 87,000 |
| Frederick County Maryland | 3 | $ 1,135,000 | $ 378,000 | $ 118,000 |
| Harford County Maryland | 3 | $ 825,000 | $ 275,000 | $ 206,000 |
| Page County Virginia | 3 | $ 625,000 | $ 208,000 | $ 115,000 |
| Maricopa County Arizona | 2 | $ 480,000 | $ 240,000 | $ 111,000 |
| New Castle County Delaware | 2 | $ 290,000 | $ 145,000 | $ 374,000 |
| Fulton County Georgia | 2 | $ 540,000 | $ 270,000 | $ 108,000 |
| Calvert County Maryland | 2 | $ 410,000 | $ 205,000 | $ 129,000 |
| Queen Anne's County Maryland | 2 | $ 980,000 | $ 490,000 | $ 166,000 |
| St. Mary's County Maryland | 2 | $ 970,000 | $ 485,000 | $ 181,000 |
| Lancaster County Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 97,000 |
| Amelia County Virginia | 2 | $ 490,000 | $ 245,000 | $ 51,000 |
| Fluvanna County Virginia | 2 | $ 350,000 | $ 175,000 | $ 96,000 |
| Hopewell County Virginia | 2 | $ 260,000 | $ 130,000 | $ 46,000 |
| Norfolk County Virginia | 2 | $ 400,000 | $ 200,000 | $ 96,000 |
| Prince William County Virginia | 2 | $ 700,000 | $ 350,000 | $ 113,000 |
| Montgomery County Alabama | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Contra Costa County California | 1 | $ 385,000 | $ 385,000 | $ 98,000 |
| Los Angeles County California | 1 | $ 425,000 | $ 425,000 | $ 115,000 |
| Orange County California | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| San Diego County California | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Hillsborough County Florida | 1 | $ 265,000 | $ 265,000 | $ 706,000 |
| Miami-Dade County Florida | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Nassau County Florida | 1 | $ 405,000 | $ 405,000 | $ 74,000 |
| Kauai County Hawaii | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Baltimore City County Maryland | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Cecil County Maryland | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Dorchester County Maryland | 1 | $ 765,000 | $ 765,000 | $ 667,000 |
| Washington County Maryland | 1 | $ 335,000 | $ 335,000 | $ 74,000 |
| Worcester County Maryland | 1 | $ 465,000 | $ 465,000 | $ 370,000 |
| Macomb County Michigan | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Hennepin County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| St. Francois County Missouri | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Mercer County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Ocean County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| Erie County New York | 1 | $ 305,000 | $ 305,000 | $ 62,000 |
| Kings County New York | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Schenectady County New York | 1 | $ 135,000 | $ 135,000 | $ 163,000 |
| Mecklenburg County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Moore County North Carolina | 1 | $ 715,000 | $ 715,000 | $ 129,000 |
| Pender County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 575,000 |
| Wake County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Lake County Ohio | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Lincoln County Oregon | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Allegheny County Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 186,000 |
| Fayette County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Montgomery County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Harris County Texas | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Caroline County Virginia | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Essex County Virginia | 1 | $ 995,000 | $ 995,000 | $ 311,000 |
| Fairfax City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Falls Church County Virginia | 1 | $ 615,000 | $ 615,000 | $ 356,000 |
| Fauquier County Virginia | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Franklin County Virginia | 1 | $ 355,000 | $ 355,000 | $ 110,000 |
| Greene County Virginia | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| King George County Virginia | 1 | $ 125,000 | $ 125,000 | $ 276,000 |
| Lancaster County Virginia | 1 | $ 375,000 | $ 375,000 | $ 114,000 |
| Mathews County Virginia | 1 | $ 215,000 | $ 215,000 | $ 180,000 |
| Montgomery County Virginia | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| Nelson County Virginia | 1 | $ 225,000 | $ 225,000 | $ 63,000 |
| New Kent County Virginia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Northumberland County Virginia | 1 | $ 135,000 | $ 135,000 | $ 208,000 |
| Orange County Virginia | 1 | $ 445,000 | $ 445,000 | $ 203,000 |
| Shenandoah County Virginia | 1 | $ 265,000 | $ 265,000 | $ 279,000 |
| Stafford County Virginia | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Virginia Beach County Virginia | 1 | $ 885,000 | $ 885,000 | $ 372,000 |
| Island County Washington | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Pierce County Washington | 1 | $ 395,000 | $ 395,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Department Of Commerce in 2020
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 | 327 | $130,425,000 | $398,000 | $1,125,000 | $169,000 | $2,051,000 |
| Cash-out Refinancing | 107 | $41,205,000 | $385,000 | $1,395,000 | $169,000 | $1,054,000 |
| Home Purchase | 86 | $38,790,000 | $451,000 | $1,405,000 | $187,000 | $1,050,000 |
| Other Purpose | 27 | $2,285,000 | $84,000 | $175,000 | $151,000 | $466,000 |
| Home Improvement | 10 | $1,020,000 | $102,000 | $255,000 | $196,000 | $335,000 |
| 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 | 306 | $126,310,000 | $412,000 | $1,395,000 | $179,000 | $1,050,000 |
| Not Provided | 135 | $49,555,000 | $367,000 | $1,125,000 | $177,000 | $2,051,000 |
| Asian | 61 | $23,625,000 | $387,000 | $1,405,000 | $162,000 | $475,000 |
| Black or African American | 41 | $11,105,000 | $270,000 | $985,000 | $121,000 | $262,000 |
| Hispanic | 13 | $3,025,000 | $232,000 | $555,000 | $130,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $228,000 | $228,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 557 | $213,725,000 | $383,000 | $1,405,000 | $171,000 | $2,051,000 |
| 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 | 485 | $195,535,000 | $403,000 | $1,405,000 | $178,000 | $2,051,000 |
| Application Denied By Financial Institution | 57 | $16,495,000 | $289,000 | $1,015,000 | $117,000 | $593,000 |
| Application Withdrawn By Applicant | 15 | $1,695,000 | $113,000 | $335,000 | $149,000 | $335,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 500 | $197,230,000 | $394,000 | $1,405,000 | $177,000 | $2,051,000 |
| Credit History | 18 | $4,490,000 | $249,000 | $805,000 | $106,000 | $250,000 |
| Debt-To-Income Ratio | 14 | $4,350,000 | $310,000 | $1,015,000 | $97,000 | $257,000 |
| Collateral | 12 | $4,150,000 | $345,000 | $995,000 | $157,000 | $311,000 |
| Other | 6 | $1,250,000 | $208,000 | $315,000 | $169,000 | $593,000 |
| Employment History | 4 | $1,480,000 | $370,000 | $685,000 | $85,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $113,000 | $113,000 |
| Unverifiable Information | 1 | $365,000 | $365,000 | $365,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $3,000 | $3,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Department Of Commerce's 2020 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 Department Of Commerce'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.