Scient Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Scient Federal Credit Union 2013 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 | Scient Federal Credit Union 60 Colver Avenue Groton, CT 06340 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 372 |
| Total Mortgage Loan Application Amount | $67,625,000 |
| Average Mortgage Loan Application Amount | $158,666 |
| Highest Mortgage Loan Application Amount | $839,000 |
| Average Applicant Income | $134,333 |
| Highest Applicant Income | $811,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Scient 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 Scient Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Scient 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 Scient Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Scient 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 Scient Federal Credit Union's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New London County Connecticut | 208 | $ 33,985,000 | $ 163,000 | $ 126,000 |
| Rockingham County New Hampshire | 14 | $ 2,915,000 | $ 208,000 | $ 130,000 |
| Washington County Rhode Island | 14 | $ 2,058,000 | $ 147,000 | $ 106,000 |
| Essex County Massachusetts | 12 | $ 3,154,000 | $ 262,000 | $ 144,000 |
| Middlesex County Connecticut | 10 | $ 2,123,000 | $ 212,000 | $ 159,000 |
| New Haven County Connecticut | 10 | $ 2,098,000 | $ 209,000 | $ 215,000 |
| Middlesex County Massachusetts | 10 | $ 1,597,000 | $ 159,000 | $ 149,000 |
| San Diego County California | 6 | $ 1,855,000 | $ 309,000 | $ 180,000 |
| Kings County New York | 6 | $ 2,316,000 | $ 386,000 | $ 207,000 |
| Fairfield County Connecticut | 5 | $ 1,446,000 | $ 289,000 | $ 181,000 |
| Hartford County Connecticut | 5 | $ 1,147,000 | $ 229,000 | $ 200,000 |
| Windham County Connecticut | 4 | $ 492,000 | $ 123,000 | $ 152,000 |
| Cook County Illinois | 4 | $ 571,000 | $ 142,000 | $ 74,000 |
| Palm Beach County Florida | 3 | $ 629,000 | $ 209,000 | $ 179,000 |
| Bergen County New Jersey | 3 | $ 796,000 | $ 265,000 | $ 195,000 |
| Collier County Florida | 2 | $ 506,000 | $ 253,000 | $ 227,000 |
| Lee County Florida | 2 | $ 307,000 | $ 153,000 | $ 51,000 |
| Miami-Dade County Florida | 2 | $ 615,000 | $ 307,000 | $ 615,000 |
| DuPage County Illinois | 2 | $ 332,000 | $ 166,000 | $ 98,000 |
| Worcester County Massachusetts | 2 | $ 481,000 | $ 240,000 | $ 112,000 |
| Monmouth County New Jersey | 2 | $ 179,000 | $ 89,000 | $ 186,000 |
| Morris County New Jersey | 2 | $ 472,000 | $ 236,000 | $ 340,000 |
| Westchester County New York | 2 | $ 659,000 | $ 329,000 | $ 235,000 |
| Sevier County Tennessee | 2 | $ 144,000 | $ 72,000 | $ 106,000 |
| Shelby County Tennessee | 2 | $ 83,000 | $ 41,000 | $ 61,000 |
| Orange County California | 1 | $ 201,000 | $ 201,000 | $ 75,000 |
| Riverside County California | 1 | $ 173,000 | $ 173,000 | $ 155,000 |
| Arapahoe County Colorado | 1 | $ 171,000 | $ 171,000 | $ 164,000 |
| Litchfield County Connecticut | 1 | $ 212,000 | $ 212,000 | $ 180,000 |
| District of Columbia County District Of Columbia | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Citrus County Florida | 1 | $ 76,000 | $ 76,000 | $ 137,000 |
| Seminole County Florida | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Forsyth County Georgia | 1 | $ 16,000 | $ 16,000 | $ 99,000 |
| Aroostook County Maine | 1 | $ 48,000 | $ 48,000 | $ 34,000 |
| Bristol County Massachusetts | 1 | $ 358,000 | $ 358,000 | $ 204,000 |
| Kalamazoo County Michigan | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Lancaster County Nebraska | 1 | $ 206,000 | $ 206,000 | $ 106,000 |
| Carroll County New Hampshire | 1 | $ 92,000 | $ 92,000 | $ 61,000 |
| Hillsborough County New Hampshire | 1 | $ 77,000 | $ 77,000 | $ 84,000 |
| Burlington County New Jersey | 1 | $ 91,000 | $ 91,000 | $ 58,000 |
| Essex County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Middlesex County New Jersey | 1 | $ 380,000 | $ 380,000 | $ 198,000 |
| Ocean County New Jersey | 1 | $ 60,000 | $ 60,000 | $ 12,000 |
| Passaic County New Jersey | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Bronx County New York | 1 | $ 133,000 | $ 133,000 | $ 85,000 |
| Dutchess County New York | 1 | $ 157,000 | $ 157,000 | $ 50,000 |
| New York County New York | 1 | $ 541,000 | $ 541,000 | $ 314,000 |
| Queens County New York | 1 | $ 417,000 | $ 417,000 | $ 158,000 |
| Suffolk County New York | 1 | $ 130,000 | $ 130,000 | $ 249,000 |
| Ulster County New York | 1 | $ 148,000 | $ 148,000 | $ 265,000 |
| Cuyahoga County Ohio | 1 | $ 116,000 | $ 116,000 | $ 290,000 |
| Montgomery County Ohio | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| Allegheny County Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 78,000 |
| Bexar County Texas | 1 | $ 138,000 | $ 138,000 | $ 578,000 |
| Dallas County Texas | 1 | $ 145,000 | $ 145,000 | $ 112,000 |
| Windsor County Vermont | 1 | $ 140,000 | $ 140,000 | $ 185,000 |
| Fairfax County Virginia | 1 | $ 550,000 | $ 550,000 | $ 213,000 |
| Stafford County Virginia | 1 | $ 20,000 | $ 20,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Scient Federal Credit Union in 2013
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 | 244 | $48,882,000 | $200,000 | $657,000 | $145,000 | $811,000 |
| Home Purchase | 73 | $14,308,000 | $196,000 | $839,000 | $129,000 | $571,000 |
| Home Improvement | 55 | $4,435,000 | $80,000 | $361,000 | $129,000 | $350,000 |
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 | 305 | $54,306,000 | $178,000 | $657,000 | $137,000 | $811,000 |
| Asian | 27 | $4,886,000 | $180,000 | $554,000 | $151,000 | $361,000 |
| Black or African American | 16 | $2,187,000 | $136,000 | $324,000 | $135,000 | $578,000 |
| Not Provided | 14 | $3,513,000 | $250,000 | $839,000 | $151,000 | $571,000 |
| Hispanic | 7 | $2,169,000 | $309,000 | $552,000 | $195,000 | $358,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $408,000 | $204,000 | $207,000 | $67,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $156,000 | $156,000 | $156,000 | $112,000 | $112,000 |
| 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) | 372 | $67,625,000 | $181,000 | $839,000 | $139,000 | $811,000 |
| 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 | 227 | $39,496,000 | $173,000 | $554,000 | $150,000 | $811,000 |
| Application Withdrawn By Applicant | 114 | $23,650,000 | $207,000 | $839,000 | $132,000 | $571,000 |
| Application Denied By Financial Institution | 26 | $3,679,000 | $141,000 | $520,000 | $87,000 | $290,000 |
| Preapproval Denied by Financial Institution | 5 | $800,000 | $160,000 | $250,000 | $82,000 | $149,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,194,000 | $119,000 | $238,000 | $58,000 | $113,000 |
| Collateral | 8 | $1,446,000 | $180,000 | $520,000 | $154,000 | $290,000 |
| Credit History | 8 | $1,036,000 | $129,000 | $250,000 | $76,000 | $149,000 |
| Other | 4 | $750,000 | $187,000 | $254,000 | $55,000 | $66,000 |
| Employment History | 1 | $53,000 | $53,000 | $53,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Scient Federal Credit Union's 2013 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 Scient 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 Connecticut, download the full spreadsheet
with aggregated HMDA statistics today.