Department Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Department Of Commerce 2021 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 | 742 |
| Total Mortgage Loan Application Amount | $375,730,000 |
| Average Mortgage Loan Application Amount | $512,000 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $183,333 |
| Highest Applicant Income | $789,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 93 | $ 55,285,000 | $ 594,000 | $ 219,000 |
| Fairfax County Virginia | 70 | $ 44,430,000 | $ 634,000 | $ 229,000 |
| District of Columbia County District Of Columbia | 46 | $ 28,140,000 | $ 611,000 | $ 202,000 |
| Henrico County Virginia | 40 | $ 15,350,000 | $ 383,000 | $ 140,000 |
| Anne Arundel County Maryland | 38 | $ 19,800,000 | $ 521,000 | $ 211,000 |
| Prince George's County Maryland | 35 | $ 9,995,000 | $ 285,000 | $ 120,000 |
| Chesterfield County Virginia | 32 | $ 8,820,000 | $ 275,000 | $ 122,000 |
| Loudoun County Virginia | 26 | $ 14,590,000 | $ 561,000 | $ 178,000 |
| Hanover County Virginia | 25 | $ 7,725,000 | $ 309,000 | $ 151,000 |
| Richmond City County Virginia | 24 | $ 13,140,000 | $ 547,000 | $ 245,000 |
| Arlington County Virginia | 21 | $ 14,135,000 | $ 673,000 | $ 227,000 |
| Howard County Maryland | 18 | $ 10,060,000 | $ 558,000 | $ 230,000 |
| Wake County North Carolina | 17 | $ 9,525,000 | $ 560,000 | $ 169,000 |
| Frederick County Maryland | 15 | $ 8,025,000 | $ 535,000 | $ 123,000 |
| Prince William County Virginia | 15 | $ 5,815,000 | $ 387,000 | $ 147,000 |
| Goochland County Virginia | 11 | $ 3,905,000 | $ 355,000 | $ 127,000 |
| Baltimore County Maryland | 10 | $ 6,530,000 | $ 653,000 | $ 240,000 |
| Albemarle County Virginia | 10 | $ 6,940,000 | $ 694,000 | $ 259,000 |
| Alexandria County Virginia | 9 | $ 4,685,000 | $ 520,000 | $ 269,000 |
| Los Angeles County California | 7 | $ 7,085,000 | $ 1,012,000 | $ 206,000 |
| Powhatan County Virginia | 7 | $ 2,055,000 | $ 293,000 | $ 122,000 |
| Stafford County Virginia | 7 | $ 2,165,000 | $ 309,000 | $ 93,000 |
| San Joaquin County California | 6 | $ 3,840,000 | $ 640,000 | $ 168,000 |
| Queen Anne's County Maryland | 6 | $ 3,100,000 | $ 516,000 | $ 242,000 |
| Calvert County Maryland | 5 | $ 1,185,000 | $ 237,000 | $ 119,000 |
| Charles County Maryland | 5 | $ 1,795,000 | $ 359,000 | $ 110,000 |
| Harford County Maryland | 5 | $ 2,455,000 | $ 491,000 | $ 175,000 |
| Talbot County Maryland | 5 | $ 2,575,000 | $ 515,000 | $ 122,000 |
| Santa Clara County California | 4 | $ 3,110,000 | $ 777,000 | $ 206,000 |
| Broward County Florida | 4 | $ 1,510,000 | $ 377,000 | $ 153,000 |
| San Bernardino County California | 3 | $ 1,715,000 | $ 571,000 | $ 153,000 |
| Sussex County Delaware | 3 | $ 2,105,000 | $ 701,000 | $ 341,000 |
| Collier County Florida | 3 | $ 1,755,000 | $ 585,000 | $ 245,000 |
| Lee County Florida | 3 | $ 1,425,000 | $ 475,000 | $ 178,000 |
| Miami-Dade County Florida | 3 | $ 2,325,000 | $ 775,000 | $ 541,000 |
| Carroll County Maryland | 3 | $ 815,000 | $ 271,000 | $ 136,000 |
| Washington County Maryland | 3 | $ 855,000 | $ 285,000 | $ 126,000 |
| Fairfax City County Virginia | 3 | $ 905,000 | $ 301,000 | $ 118,000 |
| Fauquier County Virginia | 3 | $ 1,155,000 | $ 385,000 | $ 119,000 |
| King County Washington | 3 | $ 2,045,000 | $ 681,000 | $ 244,000 |
| Jefferson County West Virginia | 3 | $ 695,000 | $ 231,000 | $ 150,000 |
| Anchorage County Alaska | 2 | $ 740,000 | $ 370,000 | $ 271,000 |
| Arapahoe County Colorado | 2 | $ 1,430,000 | $ 715,000 | $ 129,000 |
| Hartford County Connecticut | 2 | $ 870,000 | $ 435,000 | $ 228,000 |
| Middlesex County Connecticut | 2 | $ 830,000 | $ 415,000 | $ 137,000 |
| Dorchester County Maryland | 2 | $ 1,390,000 | $ 695,000 | $ 187,000 |
| Worcester County Maryland | 2 | $ 330,000 | $ 165,000 | $ 135,000 |
| Westchester County New York | 2 | $ 980,000 | $ 490,000 | $ 124,000 |
| Durham County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 90,000 |
| Cuyahoga County Ohio | 2 | $ 420,000 | $ 210,000 | $ 133,000 |
| Allegheny County Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| Delaware County Pennsylvania | 2 | $ 1,990,000 | $ 995,000 | $ 504,000 |
| Montgomery County Pennsylvania | 2 | $ 910,000 | $ 455,000 | $ 104,000 |
| Philadelphia County Pennsylvania | 2 | $ 890,000 | $ 445,000 | $ 414,000 |
| York County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 67,000 |
| Harris County Texas | 2 | $ 750,000 | $ 375,000 | $ 185,000 |
| Chesapeake County Virginia | 2 | $ 590,000 | $ 295,000 | $ 91,000 |
| King William County Virginia | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| Louisa County Virginia | 2 | $ 450,000 | $ 225,000 | $ 73,000 |
| Manassas County Virginia | 2 | $ 670,000 | $ 335,000 | $ 146,000 |
| Spotsylvania County Virginia | 2 | $ 730,000 | $ 365,000 | $ 121,000 |
| Alameda County California | 1 | $ 825,000 | $ 825,000 | $ 142,000 |
| San Diego County California | 1 | $ 1,305,000 | $ 1,305,000 | $ 233,000 |
| San Francisco County California | 1 | $ 2,005,000 | $ 2,005,000 | $ 317,000 |
| Sonoma County California | 1 | $ 595,000 | $ 595,000 | $ 172,000 |
| Fairfield County Connecticut | 1 | $ 895,000 | $ 895,000 | $ 317,000 |
| Kent County Delaware | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Brevard County Florida | 1 | $ 265,000 | $ 265,000 | $ 198,000 |
| Duval County Florida | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Orange County Florida | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| Palm Beach County Florida | 1 | $ 965,000 | $ 965,000 | $ 159,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Sumter County Florida | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Coweta County Georgia | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Fulton County Georgia | 1 | $ 345,000 | $ 345,000 | $ 73,000 |
| Hancock County Maine | 1 | $ 115,000 | $ 115,000 | $ 167,000 |
| Garrett County Maryland | 1 | $ 965,000 | $ 965,000 | $ 242,000 |
| St. Mary's County Maryland | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Wicomico County Maryland | 1 | $ 525,000 | $ 525,000 | $ 133,000 |
| Essex County Massachusetts | 1 | $ 385,000 | $ 385,000 | $ 236,000 |
| Leelanau County Michigan | 1 | $ 335,000 | $ 335,000 | $ 103,000 |
| Harrison County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 282,000 |
| Washoe County Nevada | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Monmouth County New Jersey | 1 | $ 785,000 | $ 785,000 | $ 175,000 |
| Kings County New York | 1 | $ 1,725,000 | $ 1,725,000 | $ 241,000 |
| Nassau County New York | 1 | $ 935,000 | $ 935,000 | $ 275,000 |
| Currituck County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 217,000 |
| Dare County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 31,000 |
| Granville County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Mecklenburg County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 169,000 |
| Orange County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Union County North Carolina | 1 | $ 655,000 | $ 655,000 | $ 200,000 |
| Benton County Oregon | 1 | $ 345,000 | $ 345,000 | $ 87,000 |
| Lincoln County Oregon | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Chester County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Lancaster County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 143,000 |
| Lycoming County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 114,000 |
| Northampton County Pennsylvania | 1 | $ 595,000 | $ 595,000 | $ 239,000 |
| Wilson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Galveston County Texas | 1 | $ 515,000 | $ 515,000 | $ 278,000 |
| Augusta County Virginia | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Charlottesville County Virginia | 1 | $ 1,405,000 | $ 1,405,000 | $ 132,000 |
| Dinwiddie County Virginia | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Essex County Virginia | 1 | $ 985,000 | $ 985,000 | $ 303,000 |
| Falls Church County Virginia | 1 | $ 875,000 | $ 875,000 | $ 323,000 |
| Lynchburg County Virginia | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Manassas Park County Virginia | 1 | $ 185,000 | $ 185,000 | $ 131,000 |
| Mecklenburg County Virginia | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| Middlesex County Virginia | 1 | $ 235,000 | $ 235,000 | $ 200,000 |
| Norfolk County Virginia | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Northumberland County Virginia | 1 | $ 275,000 | $ 275,000 | $ 191,000 |
| Rockingham County Virginia | 1 | $ 435,000 | $ 435,000 | $ 657,000 |
| Suffolk County Virginia | 1 | $ 325,000 | $ 325,000 | $ 63,000 |
| Virginia Beach County Virginia | 1 | $ 1,085,000 | $ 1,085,000 | $ 404,000 |
Mortgage Loan Application Detail Totals for Department Of Commerce in 2021
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 | 416 | $203,590,000 | $489,000 | $1,695,000 | $192,000 | $789,000 |
| Home Purchase | 169 | $107,875,000 | $638,000 | $2,005,000 | $204,000 | $785,000 |
| Cash-out Refinancing | 157 | $64,265,000 | $409,000 | $1,505,000 | $154,000 | $787,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 409 | $209,845,000 | $513,000 | $2,005,000 | $197,000 | $789,000 |
| Not Provided | 193 | $93,115,000 | $482,000 | $1,725,000 | $182,000 | $787,000 |
| Asian | 89 | $50,815,000 | $570,000 | $1,675,000 | $172,000 | $438,000 |
| Black or African American | 34 | $13,740,000 | $404,000 | $1,525,000 | $151,000 | $360,000 |
| Hispanic | 14 | $5,980,000 | $427,000 | $765,000 | $137,000 | $203,000 |
| American Indian or Alaskan Native | 2 | $1,410,000 | $705,000 | $745,000 | $196,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 742 | $375,730,000 | $506,000 | $2,005,000 | $187,000 | $789,000 |
| 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 | 681 | $342,045,000 | $502,000 | $2,005,000 | $189,000 | $789,000 |
| Application Denied By Financial Institution | 41 | $22,565,000 | $550,000 | $1,405,000 | $138,000 | $732,000 |
| Application Withdrawn By Applicant | 17 | $9,335,000 | $549,000 | $1,695,000 | $230,000 | $672,000 |
| Application Approved But Not Accepted | 2 | $780,000 | $390,000 | $435,000 | $104,000 | $120,000 |
| File Closed For Incompleteness | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $209,000 | $209,000 |
| 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 | 701 | $353,165,000 | $503,000 | $2,005,000 | $190,000 | $789,000 |
| Debt-To-Income Ratio | 23 | $13,895,000 | $604,000 | $1,405,000 | $113,000 | $255,000 |
| Other | 6 | $2,410,000 | $401,000 | $715,000 | $130,000 | $204,000 |
| Credit Application Incomplete | 4 | $3,210,000 | $802,000 | $1,175,000 | $343,000 | $732,000 |
| Credit History | 4 | $1,200,000 | $300,000 | $465,000 | $118,000 | $178,000 |
| Collateral | 2 | $770,000 | $385,000 | $545,000 | $139,000 | $200,000 |
| Unverifiable Information | 1 | $565,000 | $565,000 | $565,000 | $92,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $515,000 | $515,000 | $515,000 | $83,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Department Of Commerce's 2021 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.