Department Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Department Of Commerce 2022 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 | 254 |
| Total Mortgage Loan Application Amount | $145,240,000 |
| Average Mortgage Loan Application Amount | $480,000 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $262,500 |
| Highest Applicant Income | $2,488,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 29 | $ 13,805,000 | $ 476,000 | $ 177,000 |
| District of Columbia County District Of Columbia | 14 | $ 7,950,000 | $ 567,000 | $ 330,000 |
| Fairfax County Virginia | 14 | $ 11,070,000 | $ 790,000 | $ 225,000 |
| Richmond City County Virginia | 13 | $ 4,735,000 | $ 364,000 | $ 201,000 |
| Los Angeles County California | 9 | $ 11,205,000 | $ 1,245,000 | $ 265,000 |
| Kings County New York | 8 | $ 6,480,000 | $ 810,000 | $ 224,000 |
| Loudoun County Virginia | 8 | $ 5,760,000 | $ 720,000 | $ 226,000 |
| Baltimore County Maryland | 7 | $ 3,235,000 | $ 462,000 | $ 196,000 |
| Prince William County Virginia | 7 | $ 3,105,000 | $ 443,000 | $ 168,000 |
| Chesterfield County Virginia | 6 | $ 2,010,000 | $ 335,000 | $ 112,000 |
| Palm Beach County Florida | 5 | $ 3,465,000 | $ 693,000 | $ 249,000 |
| Frederick County Maryland | 5 | $ 2,645,000 | $ 529,000 | $ 161,000 |
| Prince George's County Maryland | 5 | $ 1,255,000 | $ 251,000 | $ 113,000 |
| Alexandria County Virginia | 5 | $ 3,115,000 | $ 623,000 | $ 178,000 |
| Hanover County Virginia | 5 | $ 1,915,000 | $ 383,000 | $ 137,000 |
| Broward County Florida | 4 | $ 1,900,000 | $ 475,000 | $ 201,000 |
| Howard County Maryland | 4 | $ 2,300,000 | $ 575,000 | $ 325,000 |
| Middlesex County Massachusetts | 4 | $ 3,090,000 | $ 772,000 | $ 496,000 |
| Albemarle County Virginia | 4 | $ 3,000,000 | $ 750,000 | $ 704,000 |
| Collier County Florida | 3 | $ 2,505,000 | $ 835,000 | $ 445,000 |
| Miami-Dade County Florida | 3 | $ 1,795,000 | $ 598,000 | $ 302,000 |
| DeKalb County Georgia | 3 | $ 645,000 | $ 215,000 | $ 79,000 |
| Anne Arundel County Maryland | 3 | $ 1,075,000 | $ 358,000 | $ 178,000 |
| Richmond County New York | 3 | $ 2,975,000 | $ 991,000 | $ 199,000 |
| Arlington County Virginia | 3 | $ 1,455,000 | $ 485,000 | $ 157,000 |
| Henrico County Virginia | 3 | $ 1,075,000 | $ 358,000 | $ 124,000 |
| San Joaquin County California | 2 | $ 1,490,000 | $ 745,000 | $ 155,000 |
| Lee County Florida | 2 | $ 870,000 | $ 435,000 | $ 106,000 |
| Manatee County Florida | 2 | $ 250,000 | $ 125,000 | $ 194,000 |
| Charles County Maryland | 2 | $ 550,000 | $ 275,000 | $ 121,000 |
| Worcester County Maryland | 2 | $ 710,000 | $ 355,000 | $ 295,000 |
| Nassau County New York | 2 | $ 2,140,000 | $ 1,070,000 | $ 225,000 |
| New York County New York | 2 | $ 1,930,000 | $ 965,000 | $ 240,000 |
| Williamson County Tennessee | 2 | $ 1,370,000 | $ 685,000 | $ 219,000 |
| Collin County Texas | 2 | $ 1,370,000 | $ 685,000 | $ 196,000 |
| Manassas County Virginia | 2 | $ 640,000 | $ 320,000 | $ 74,000 |
| Spotsylvania County Virginia | 2 | $ 490,000 | $ 245,000 | $ 37,000 |
| Fresno County California | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Nevada County California | 1 | $ 335,000 | $ 335,000 | $ 83,000 |
| Orange County California | 1 | $ 1,895,000 | $ 1,895,000 | $ 310,000 |
| San Diego County California | 1 | $ 1,115,000 | $ 1,115,000 | $ 375,000 |
| Santa Barbara County California | 1 | $ 795,000 | $ 795,000 | $ 184,000 |
| Hartford County Connecticut | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Litchfield County Connecticut | 1 | $ 465,000 | $ 465,000 | $ 163,000 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Indian River County Florida | 1 | $ 475,000 | $ 475,000 | $ 292,000 |
| Orange County Florida | 1 | $ 645,000 | $ 645,000 | $ 156,000 |
| Polk County Florida | 1 | $ 235,000 | $ 235,000 | $ 123,000 |
| St. Johns County Florida | 1 | $ 885,000 | $ 885,000 | $ 215,000 |
| Sumter County Florida | 1 | $ 305,000 | $ 305,000 | $ 650,000 |
| Douglas County Georgia | 1 | $ 455,000 | $ 455,000 | $ 191,000 |
| Gwinnett County Georgia | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Hawaii County Hawaii | 1 | $ 575,000 | $ 575,000 | $ 168,000 |
| Calvert County Maryland | 1 | $ 195,000 | $ 195,000 | $ 125,000 |
| Caroline County Maryland | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Carroll County Maryland | 1 | $ 535,000 | $ 535,000 | $ 124,000 |
| Dorchester County Maryland | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Harford County Maryland | 1 | $ 695,000 | $ 695,000 | $ 444,000 |
| Queen Anne's County Maryland | 1 | $ 835,000 | $ 835,000 | $ 1,871,000 |
| Norfolk County Massachusetts | 1 | $ 725,000 | $ 725,000 | $ 257,000 |
| Plymouth County Massachusetts | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Worcester County Massachusetts | 1 | $ 575,000 | $ 575,000 | $ 181,000 |
| Iron County Michigan | 1 | $ 245,000 | $ 245,000 | $ 164,000 |
| Oakland County Michigan | 1 | $ 745,000 | $ 745,000 | $ 214,000 |
| Hennepin County Minnesota | 1 | $ 655,000 | $ 655,000 | $ 207,000 |
| Platte County Missouri | 1 | $ 455,000 | $ 455,000 | $ 159,000 |
| Clark County Nevada | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| Middlesex County New Jersey | 1 | $ 685,000 | $ 685,000 | $ 107,000 |
| Ocean County New Jersey | 1 | $ 1,005,000 | $ 1,005,000 | $ 202,000 |
| Dutchess County New York | 1 | $ 535,000 | $ 535,000 | $ 350,000 |
| Rockland County New York | 1 | $ 1,505,000 | $ 1,505,000 | $ 282,000 |
| Suffolk County New York | 1 | $ 755,000 | $ 755,000 | $ 137,000 |
| Sullivan County New York | 1 | $ 745,000 | $ 745,000 | $ 410,000 |
| Westchester County New York | 1 | $ 925,000 | $ 925,000 | $ 370,000 |
| Edgecombe County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Wake County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 103,000 |
| Chester County Pennsylvania | 1 | $ 665,000 | $ 665,000 | $ 319,000 |
| Delaware County Pennsylvania | 1 | $ 855,000 | $ 855,000 | $ 236,000 |
| Montgomery County Pennsylvania | 1 | $ 775,000 | $ 775,000 | $ 184,000 |
| Philadelphia County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Williamson County Texas | 1 | $ 645,000 | $ 645,000 | $ 196,000 |
| Washington County Utah | 1 | $ 685,000 | $ 685,000 | $ 601,000 |
| Bedford County Virginia | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Falls Church County Virginia | 1 | $ 685,000 | $ 685,000 | $ 205,000 |
| Fauquier County Virginia | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| Fluvanna County Virginia | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| Frederick County Virginia | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Prince Edward County Virginia | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Rockingham County Virginia | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Shenandoah County Virginia | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Stafford County Virginia | 1 | $ 425,000 | $ 425,000 | $ 183,000 |
| Hampshire County West Virginia | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Department Of Commerce in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 118 | $67,040,000 | $568,000 | $1,505,000 | $204,000 | $1,479,000 |
| Cash-out Refinancing | 76 | $41,580,000 | $547,000 | $1,995,000 | $222,000 | $2,488,000 |
| Refinancing | 58 | $36,260,000 | $625,000 | $1,905,000 | $251,000 | $1,871,000 |
| Other Purpose | 2 | $360,000 | $180,000 | $255,000 | $373,000 | $555,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 118 | $71,980,000 | $610,000 | $1,895,000 | $246,000 | $1,871,000 |
| Not Provided | 83 | $46,345,000 | $558,000 | $1,995,000 | $217,000 | $2,488,000 |
| Asian | 29 | $18,045,000 | $622,000 | $1,505,000 | $211,000 | $848,000 |
| Black or African American | 19 | $5,695,000 | $299,000 | $775,000 | $123,000 | $198,000 |
| Hispanic | 4 | $2,600,000 | $650,000 | $795,000 | $148,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $575,000 | $575,000 | $575,000 | $168,000 | $168,000 |
| 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) | 254 | $145,240,000 | $571,000 | $1,995,000 | $221,000 | $2,488,000 |
| 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 | 185 | $108,285,000 | $585,000 | $1,995,000 | $234,000 | $2,488,000 |
| Application Withdrawn By Applicant | 44 | $25,500,000 | $579,000 | $1,905,000 | $214,000 | $1,479,000 |
| Application Denied By Financial Institution | 23 | $10,415,000 | $452,000 | $1,005,000 | $139,000 | $410,000 |
| File Closed For Incompleteness | 2 | $1,040,000 | $520,000 | $765,000 | $155,000 | $229,000 |
| 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 | 231 | $134,825,000 | $583,000 | $1,995,000 | $230,000 | $2,488,000 |
| Credit History | 6 | $1,510,000 | $251,000 | $425,000 | $85,000 | $196,000 |
| Debt-To-Income Ratio | 6 | $3,350,000 | $558,000 | $1,005,000 | $156,000 | $346,000 |
| Collateral | 4 | $3,060,000 | $765,000 | $965,000 | $230,000 | $410,000 |
| Employment History | 3 | $1,185,000 | $395,000 | $645,000 | $161,000 | $191,000 |
| Unverifiable Information | 2 | $620,000 | $310,000 | $435,000 | $94,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $60,000 | $60,000 |
| Other | 1 | $465,000 | $465,000 | $465,000 | $113,000 | $113,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Department Of Commerce's 2022 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.