Geico Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Geico Federal Credit Union 2004 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 | Geico Federal Credit Union 5260 Western Avenue Chevy Chase, MD 20815 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 241 |
| Total Mortgage Loan Application Amount | $23,941,000 |
| Average Mortgage Loan Application Amount | $159,421 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $205,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Geico Federal Credit Union. 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 Geico Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Geico Federal Credit Union'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 Geico Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Geico Federal Credit Union, 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 Geico Federal Credit Union's mortgage activity for 2004.
| 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 | 39 | $ 5,047,000 | $ 129,000 | $ 85,000 |
| Spotsylvania County Virginia | 22 | $ 1,847,000 | $ 83,000 | $ 78,000 |
| Fairfax County Virginia | 21 | $ 3,791,000 | $ 180,000 | $ 115,000 |
| Suffolk County New York | 16 | $ 1,590,000 | $ 99,000 | $ 80,000 |
| Nassau County New York | 15 | $ 1,607,000 | $ 107,000 | $ 83,000 |
| San Diego County California | 14 | $ 1,399,000 | $ 99,000 | $ 88,000 |
| Polk County Florida | 12 | $ 430,000 | $ 35,000 | $ 42,000 |
| Virginia Beach County Virginia | 12 | $ 414,000 | $ 34,000 | $ 76,000 |
| Stafford County Virginia | 10 | $ 696,000 | $ 69,000 | $ 83,000 |
| Loudoun County Virginia | 9 | $ 1,789,000 | $ 198,000 | $ 98,000 |
| Prince George's County Maryland | 8 | $ 466,000 | $ 58,000 | $ 62,000 |
| Caroline County Virginia | 5 | $ 96,000 | $ 19,000 | $ 53,000 |
| District of Columbia County District Of Columbia | 4 | $ 296,000 | $ 74,000 | $ 75,000 |
| Bibb County Georgia | 4 | $ 143,000 | $ 35,000 | $ 36,000 |
| Frederick County Maryland | 4 | $ 192,000 | $ 48,000 | $ 104,000 |
| Hillsborough County Florida | 3 | $ 150,000 | $ 50,000 | $ 94,000 |
| Baltimore County Maryland | 3 | $ 301,000 | $ 100,000 | $ 84,000 |
| Prince William County Virginia | 3 | $ 108,000 | $ 36,000 | $ 83,000 |
| Riverside County California | 2 | $ 297,000 | $ 148,000 | $ 109,000 |
| Gwinnett County Georgia | 2 | $ 207,000 | $ 103,000 | $ 80,000 |
| Houston County Georgia | 2 | $ 67,000 | $ 33,000 | $ 75,000 |
| Charles County Maryland | 2 | $ 118,000 | $ 59,000 | $ 79,000 |
| Harford County Maryland | 2 | $ 86,000 | $ 43,000 | $ 51,000 |
| Howard County Maryland | 2 | $ 241,000 | $ 120,000 | $ 41,000 |
| Fauquier County Virginia | 2 | $ 190,000 | $ 95,000 | $ 87,000 |
| Manassas County Virginia | 2 | $ 433,000 | $ 216,000 | $ 109,000 |
| Marin County California | 1 | $ 310,000 | $ 310,000 | $ 52,000 |
| Orange County Florida | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Pasco County Florida | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Monroe County Georgia | 1 | $ 30,000 | $ 30,000 | $ 45,000 |
| Twiggs County Georgia | 1 | $ 32,000 | $ 32,000 | $ 84,000 |
| Carroll County Maryland | 1 | $ 73,000 | $ 73,000 | $ 105,000 |
| Arlington County Virginia | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Chesapeake County Virginia | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Essex County Virginia | 1 | $ 32,000 | $ 32,000 | $ 60,000 |
| Fredericksburg County Virginia | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| King George County Virginia | 1 | $ 17,000 | $ 17,000 | $ 45,000 |
| Louisa County Virginia | 1 | $ 24,000 | $ 24,000 | $ 44,000 |
| Orange County Virginia | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Suffolk County Virginia | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Geico Federal Credit Union in 2004
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 Improvement | 185 | $9,999,000 | $55,285 | $200,000 | $78,285 | $205,000 |
| Refinancing | 32 | $7,779,000 | $213,000 | $695,000 | $59,333 | $172,000 |
| Home Purchase | 24 | $6,163,000 | $227,333 | $488,000 | $71,000 | $203,000 |
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 | 162 | $15,876,000 | $101,857 | $695,000 | $72,857 | $205,000 |
| Black or African American | 46 | $3,139,000 | $69,142 | $300,000 | $74,571 | $194,000 |
| Hispanic | 18 | $1,703,000 | $78,500 | $488,000 | $86,500 | $131,000 |
| Asian | 15 | $3,223,000 | $145,600 | $492,000 | $82,600 | $166,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 241 | $23,941,000 | $93,750 | $695,000 | $72,125 | $205,000 |
| 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 | 219 | $20,635,000 | $82,142 | $695,000 | $77,285 | $205,000 |
| Application Denied By Financial Institution | 17 | $2,263,000 | $121,571 | $520,000 | $56,857 | $131,000 |
| Application Approved But Not Accepted | 5 | $1,043,000 | $226,500 | $266,000 | $88,500 | $120,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $1,188,000 | $72,500 | $488,000 | $55,333 | $130,000 |
| Debt-To-Income Ratio | 3 | $1,075,000 | $358,333 | $520,000 | $83,000 | $131,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Geico Federal Credit Union's 2004 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 Geico 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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.