Lafayette Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Lafayette Federal Credit Union of Rockville, MD reported 588 mortgage applications totaling $137.9 million, up 80% from 2021. The average application was for $234,540, and applicants reported an average income of $276,285. 48% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (130), Washington-Baltimore-Arlington, DC (72) and Baltimore-Columbia-Towson, MD (28) (applications in parentheses).
| Mortgage Company & Address | Lafayette Federal Credit Union 2701 Tower Oaks Blvd., Rockville, MD 20852 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 | 588 |
| Total Mortgage Loan Application Amount | $137,910,000 |
| Average Mortgage Loan Application Amount | $234,540 |
| Highest Mortgage Loan Application Amount | $2,385,000 |
| Average Applicant Income | $276,285 |
| Highest Applicant Income | $8,225,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lafayette Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Maryland | 63 | $ 19,765,000 | $ 313,730 | $ 215,000 |
| District of Columbia, District Of Columbia | 44 | $ 11,940,000 | $ 271,363 | $ 253,000 |
| Fairfax, Virginia | 28 | $ 10,370,000 | $ 370,357 | $ 190,000 |
| Prince George's, Maryland | 19 | $ 3,265,000 | $ 171,842 | $ 540,000 |
| Maricopa, Arizona | 12 | $ 1,900,000 | $ 158,333 | $ 183,000 |
| Anne Arundel, Maryland | 11 | $ 1,725,000 | $ 156,818 | $ 191,000 |
| Loudoun, Virginia | 11 | $ 2,385,000 | $ 216,818 | $ 212,000 |
| Arlington, Virginia | 10 | $ 2,680,000 | $ 268,000 | $ 336,000 |
| Hillsborough, Florida | 9 | $ 1,755,000 | $ 195,000 | $ 172,000 |
| Fulton, Georgia | 9 | $ 4,385,000 | $ 487,222 | $ 1,111,000 |
| Frederick, Maryland | 9 | $ 3,595,000 | $ 399,444 | $ 181,000 |
| Riverside, California | 8 | $ 1,300,000 | $ 162,500 | $ 145,000 |
| Howard, Maryland | 7 | $ 1,665,000 | $ 237,857 | $ 187,000 |
| Martin, Florida | 6 | $ 930,000 | $ 155,000 | $ 222,000 |
| Miami-Dade, Florida | 6 | $ 1,670,000 | $ 278,333 | $ 205,000 |
| Pinellas, Florida | 6 | $ 800,000 | $ 133,333 | $ 113,000 |
| Lake, Illinois | 6 | $ 910,000 | $ 151,666 | $ 266,000 |
| Prince William, Virginia | 6 | $ 1,310,000 | $ 218,333 | $ 984,000 |
| Broward, Florida | 5 | $ 645,000 | $ 129,000 | $ 206,000 |
| Nassau, New York | 5 | $ 1,245,000 | $ 249,000 | $ 204,000 |
| Harris, Texas | 5 | $ 1,055,000 | $ 211,000 | $ 297,000 |
| Los Angeles, California | 4 | $ 960,000 | $ 240,000 | $ 308,000 |
| San Joaquin, California | 4 | $ 530,000 | $ 132,500 | $ 170,000 |
| Pasco, Florida | 4 | $ 530,000 | $ 132,500 | $ 196,000 |
| Cook, Illinois | 4 | $ 540,000 | $ 135,000 | $ 168,000 |
| Charles, Maryland | 4 | $ 990,000 | $ 247,500 | $ 1,745,000 |
| Harford, Maryland | 4 | $ 480,000 | $ 120,000 | $ 268,000 |
| Mecklenburg, North Carolina | 4 | $ 830,000 | $ 207,500 | $ 340,000 |
| Pinal, Arizona | 3 | $ 395,000 | $ 131,666 | $ 137,000 |
| Fresno, California | 3 | $ 315,000 | $ 105,000 | $ 293,000 |
| San Diego, California | 3 | $ 685,000 | $ 228,333 | $ 676,000 |
| Solano, California | 3 | $ 245,000 | $ 81,666 | $ 1,483,000 |
| Sussex, Delaware | 3 | $ 1,135,000 | $ 378,333 | $ 118,000 |
| Alachua, Florida | 3 | $ 1,105,000 | $ 368,333 | $ 77,000 |
| Orange, Florida | 3 | $ 335,000 | $ 111,666 | $ 129,000 |
| Gwinnett, Georgia | 3 | $ 185,000 | $ 61,666 | $ 101,000 |
| Will, Illinois | 3 | $ 235,000 | $ 78,333 | $ 241,000 |
| Orleans, Louisiana | 3 | $ 365,000 | $ 121,666 | $ 214,000 |
| Monmouth, New Jersey | 3 | $ 355,000 | $ 118,333 | $ 2,830,000 |
| Ocean, New Jersey | 3 | $ 595,000 | $ 198,333 | $ 136,000 |
| Orange, New York | 3 | $ 445,000 | $ 148,333 | $ 374,000 |
| Suffolk, New York | 3 | $ 615,000 | $ 205,000 | $ 244,000 |
| Horry, South Carolina | 3 | $ 455,000 | $ 151,666 | $ 174,000 |
| Chesterfield, Virginia | 3 | $ 365,000 | $ 121,666 | $ 93,000 |
| Spotsylvania, Virginia | 3 | $ 355,000 | $ 118,333 | $ 454,000 |
| King, Washington | 3 | $ 495,000 | $ 165,000 | $ 100,000 |
| Pima, Arizona | 2 | $ 310,000 | $ 155,000 | $ 94,000 |
| Placer, California | 2 | $ 260,000 | $ 130,000 | $ 156,000 |
| Sacramento, California | 2 | $ 510,000 | $ 255,000 | $ 230,000 |
| San Bernardino, California | 2 | $ 610,000 | $ 305,000 | $ 321,000 |
| Brevard, Florida | 2 | $ 120,000 | $ 60,000 | $ 117,000 |
| Charlotte, Florida | 2 | $ 230,000 | $ 115,000 | $ 136,000 |
| Indian River, Florida | 2 | $ 240,000 | $ 120,000 | $ 292,000 |
| Polk, Florida | 2 | $ 410,000 | $ 205,000 | $ 130,000 |
| Sarasota, Florida | 2 | $ 330,000 | $ 165,000 | $ 123,000 |
| St. Johns, Florida | 2 | $ 330,000 | $ 165,000 | $ 245,000 |
| Volusia, Florida | 2 | $ 420,000 | $ 210,000 | $ 185,000 |
| Cobb, Georgia | 2 | $ 110,000 | $ 55,000 | $ 63,000 |
| Kane, Illinois | 2 | $ 250,000 | $ 125,000 | $ 128,000 |
| Fulton, Indiana | 2 | $ 560,000 | $ 280,000 | $ 511,000 |
| Baltimore, Maryland | 2 | $ 270,000 | $ 135,000 | $ 217,000 |
| Cecil, Maryland | 2 | $ 210,000 | $ 105,000 | $ 275,000 |
| Queen Anne's, Maryland | 2 | $ 580,000 | $ 290,000 | $ 91,000 |
| Worcester, Maryland | 2 | $ 380,000 | $ 190,000 | $ 166,000 |
| Norfolk, Massachusetts | 2 | $ 750,000 | $ 375,000 | $ 170,000 |
| Oakland, Michigan | 2 | $ 250,000 | $ 125,000 | $ 199,000 |
| Clark, Nevada | 2 | $ 580,000 | $ 290,000 | $ 255,000 |
| Wake, North Carolina | 2 | $ 340,000 | $ 170,000 | $ 142,000 |
| Clackamas, Oregon | 2 | $ 600,000 | $ 300,000 | $ 453,000 |
| Berkeley, South Carolina | 2 | $ 130,000 | $ 65,000 | $ 895,000 |
| Shelby, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 140,000 |
| Bexar, Texas | 2 | $ 210,000 | $ 105,000 | $ 168,000 |
| Dallas, Texas | 2 | $ 220,000 | $ 110,000 | $ 263,000 |
| Denton, Texas | 2 | $ 240,000 | $ 120,000 | $ 165,000 |
| Albemarle, Virginia | 2 | $ 770,000 | $ 385,000 | $ 463,000 |
| Alexandria, Virginia | 2 | $ 510,000 | $ 255,000 | $ 409,000 |
| Henrico, Virginia | 2 | $ 380,000 | $ 190,000 | $ 71,000 |
| Richmond City, Virginia | 2 | $ 260,000 | $ 130,000 | $ 73,000 |
| York, Virginia | 2 | $ 70,000 | $ 35,000 | $ 129,000 |
| Berkeley, West Virginia | 2 | $ 110,000 | $ 55,000 | $ 209,000 |
| Baldwin, Alabama | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Tuscaloosa, Alabama | 1 | $ 155,000 | $ 155,000 | $ 600,000 |
| Saline, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| Alameda, California | 1 | $ 125,000 | $ 125,000 | $ 225,000 |
| Kern, California | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Santa Clara, California | 1 | $ 765,000 | $ 765,000 | $ 205,000 |
| Stanislaus, California | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
| Tulare, California | 1 | $ 25,000 | $ 25,000 | $ 360,000 |
| Yolo, California | 1 | $ 705,000 | $ 705,000 | $ 475,000 |
| Jefferson, Colorado | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Hartford, Connecticut | 1 | $ 165,000 | $ 165,000 | $ 131,000 |
| New Haven, Connecticut | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| New London, Connecticut | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| New Castle, Delaware | 1 | $ 585,000 | $ 585,000 | $ 150,000 |
| Clay, Florida | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Collier, Florida | 1 | $ 95,000 | $ 95,000 | $ 129,000 |
| Duval, Florida | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Lee, Florida | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Manatee, Florida | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| Monroe, Florida | 1 | $ 455,000 | $ 455,000 | $ 309,000 |
| Osceola, Florida | 1 | $ 505,000 | $ 505,000 | $ 3,312,000 |
| Santa Rosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Cherokee, Georgia | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| DeKalb, Georgia | 1 | $ 145,000 | $ 145,000 | $ 168,000 |
| Forsyth, Georgia | 1 | $ 105,000 | $ 105,000 | $ 199,000 |
| Henry, Georgia | 1 | $ 75,000 | $ 75,000 | $ 360,000 |
| Canyon, Idaho | 1 | $ 205,000 | $ 205,000 | $ 233,000 |
| McHenry, Illinois | 1 | $ 145,000 | $ 145,000 | $ 175,000 |
| Morgan, Illinois | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| St. Clair, Illinois | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Allen, Indiana | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Boone, Indiana | 1 | $ 115,000 | $ 115,000 | $ 5,226,000 |
| Carroll, Indiana | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Hamilton, Indiana | 1 | $ 75,000 | $ 75,000 | $ 190,000 |
| Marion, Indiana | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Linn, Iowa | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Boone, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Baltimore City, Maryland | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| Calvert, Maryland | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Carroll, Maryland | 1 | $ 155,000 | $ 155,000 | $ 314,000 |
| Talbot, Maryland | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Wicomico, Maryland | 1 | $ 55,000 | $ 55,000 | $ 202,000 |
| Suffolk, Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 391,000 |
| Isabella, Michigan | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Macomb, Michigan | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Wayne, Michigan | 1 | $ 55,000 | $ 55,000 | $ 139,000 |
| Nye, Nevada | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Camden, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Essex, New Jersey | 1 | $ 295,000 | $ 295,000 | $ 486,000 |
| Gloucester, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Hunterdon, New Jersey | 1 | $ 135,000 | $ 135,000 | $ 254,000 |
| Mercer, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 267,000 |
| Somerset, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Bronx, New York | 1 | $ 405,000 | $ 405,000 | $ 296,000 |
| Kings, New York | 1 | $ 405,000 | $ 405,000 | $ 318,000 |
| Livingston, New York | 1 | $ 225,000 | $ 225,000 | $ 228,000 |
| New York, New York | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Carteret, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 205,000 |
| Chatham, North Carolina | 1 | $ 665,000 | $ 665,000 | $ 129,000 |
| Craven, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Guilford, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 162,000 |
| Lincoln, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 284,000 |
| Moore, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Nash, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| New Hanover, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Pitt, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Union, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Butler, Ohio | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Cuyahoga, Ohio | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Delaware, Ohio | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Franklin, Ohio | 1 | $ 245,000 | $ 245,000 | $ 135,000 |
| Greene, Ohio | 1 | $ 55,000 | $ 55,000 | $ 248,000 |
| Deschutes, Oregon | 1 | $ 625,000 | $ 625,000 | $ 240,000 |
| Adams, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 197,000 |
| Allegheny, Pennsylvania | 1 | $ 465,000 | $ 465,000 | $ 169,000 |
| Bucks, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 375,000 |
| Butler, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Chester, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 259,000 |
| Clearfield, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Columbia, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 132,000 |
| Lancaster, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Washington, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Providence, Rhode Island | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Greenville, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 245,000 |
| Lexington, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 137,000 |
| Spartanburg, South Carolina | 1 | $ 435,000 | $ 435,000 | $ 125,000 |
| Davidson, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 72,000 |
| Greene, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Williamson, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 219,000 |
| Bell, Texas | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Cameron, Texas | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Collin, Texas | 1 | $ 195,000 | $ 195,000 | $ 184,000 |
| El Paso, Texas | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| McCulloch, Texas | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Montgomery, Texas | 1 | $ 305,000 | $ 305,000 | $ 348,000 |
| Nacogdoches, Texas | 1 | $ 165,000 | $ 165,000 | $ 430,000 |
| Tarrant, Texas | 1 | $ 205,000 | $ 205,000 | $ 528,000 |
| Williamson, Texas | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| Bedford, Virginia | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Caroline, Virginia | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Fairfax City, Virginia | 1 | $ 145,000 | $ 145,000 | $ 204,000 |
| Goochland, Virginia | 1 | $ 125,000 | $ 125,000 | $ 354,000 |
| Hampton, Virginia | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Hanover, Virginia | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| James City, Virginia | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| New Kent, Virginia | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| Powhatan, Virginia | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Shenandoah, Virginia | 1 | $ 95,000 | $ 95,000 | $ 485,000 |
| Stafford, Virginia | 1 | $ 55,000 | $ 55,000 | $ 232,000 |
| Virginia Beach, Virginia | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Clark, Washington | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Mason, Washington | 1 | $ 35,000 | $ 35,000 | $ 284,000 |
| Fayette, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 149,000 |
| Washington, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Lafayette Federal Credit Union 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 |
|---|---|---|---|---|---|---|
| Other Purpose | 409 | $67,105,000 | $164,000 | $2,385,000 | $313,000 | $8,225,000 |
| Home Purchase | 112 | $47,260,000 | $421,000 | $2,005,000 | $157,000 | $1,627,000 |
| Refinancing | 38 | $13,920,000 | $366,000 | $1,525,000 | $216,000 | $1,740,000 |
| Cash-out Refinancing | 24 | $8,600,000 | $358,000 | $1,055,000 | $153,000 | $408,000 |
| Home Improvement | 5 | $1,025,000 | $205,000 | $425,000 | $995,000 | $4,048,000 |
| 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 | 292 | $65,010,000 | $222,000 | $1,525,000 | $244,000 | $5,226,000 |
| Not Provided | 114 | $31,250,000 | $274,000 | $2,385,000 | $403,000 | $8,225,000 |
| Black or African American | 95 | $24,495,000 | $257,000 | $2,005,000 | $201,000 | $4,988,000 |
| Hispanic | 56 | $10,070,000 | $179,000 | $775,000 | $375,000 | $5,500,000 |
| Asian | 18 | $5,520,000 | $306,000 | $875,000 | $168,000 | $334,000 |
| American Indian or Alaskan Native | 3 | $235,000 | $78,000 | $105,000 | $212,000 | $281,000 |
| 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) | 588 | $137,910,000 | $234,000 | $2,385,000 | $276,000 | $8,225,000 |
| 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 | 284 | $63,310,000 | $222,000 | $2,385,000 | $192,000 | $912,000 |
| Application Denied By Financial Institution | 150 | $33,620,000 | $224,000 | $1,655,000 | $384,000 | $8,225,000 |
| Application Withdrawn By Applicant | 94 | $22,860,000 | $243,000 | $1,425,000 | $330,000 | $5,226,000 |
| File Closed For Incompleteness | 35 | $8,695,000 | $248,000 | $1,055,000 | $457,000 | $7,784,000 |
| Preapproval Denied by Financial Institution | 16 | $6,900,000 | $431,000 | $1,505,000 | $105,000 | $185,000 |
| Application Approved But Not Accepted | 5 | $1,145,000 | $229,000 | $715,000 | $172,000 | $240,000 |
| Preapproval Approved but not Accepted | 4 | $1,380,000 | $345,000 | $755,000 | $104,000 | $160,000 |
| Loan Purchased By The 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 | 422 | $97,390,000 | $230,000 | $2,385,000 | $244,000 | $7,784,000 |
| Credit History | 40 | $8,390,000 | $209,000 | $605,000 | $609,000 | $5,500,000 |
| Credit Application Incomplete | 35 | $8,635,000 | $246,000 | $955,000 | $266,000 | $1,740,000 |
| Debt-To-Income Ratio | 31 | $10,415,000 | $335,000 | $1,505,000 | $128,000 | $498,000 |
| Other | 29 | $5,165,000 | $178,000 | $505,000 | $246,000 | $1,500,000 |
| Collateral | 14 | $3,920,000 | $280,000 | $1,655,000 | $267,000 | $994,000 |
| Unverifiable Information | 10 | $1,910,000 | $191,000 | $455,000 | $1,009,000 | $8,225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,595,000 | $319,000 | $605,000 | $95,000 | $160,000 |
| Employment History | 2 | $490,000 | $245,000 | $385,000 | $81,000 | $112,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lafayette Federal Credit Union'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 Lafayette 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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