Signature Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Signature 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 | Signature Federal Credit Union 12 Herbert St. Alexandria, VA 22313 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 | 260 |
| Total Mortgage Loan Application Amount | $17,438,000 |
| Average Mortgage Loan Application Amount | $69,755 |
| Highest Mortgage Loan Application Amount | $428,000 |
| Average Applicant Income | $61,438 |
| Highest Applicant Income | $170,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Signature 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 Signature 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 Signature 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 Signature Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Signature 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 Signature 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 |
|---|---|---|---|---|
| Macomb County Michigan | 3 | $ 230,000 | $ 76,000 | $ 110,000 |
| San Juan County Utah | 3 | $ 273,000 | $ 91,000 | $ 84,000 |
| Colusa County California | 2 | $ 364,000 | $ 182,000 | $ 96,000 |
| Kern County California | 2 | $ 123,000 | $ 61,000 | $ 51,000 |
| District of Columbia County District Of Columbia | 2 | $ 63,000 | $ 31,000 | $ 51,000 |
| Charlotte County Florida | 2 | $ 130,000 | $ 65,000 | $ 80,000 |
| Martin County Florida | 2 | $ 18,000 | $ 9,000 | $ 53,000 |
| Sarasota County Florida | 2 | $ 128,000 | $ 64,000 | $ 45,000 |
| Labette County Kansas | 2 | $ 78,000 | $ 39,000 | $ 63,000 |
| Pratt County Kansas | 2 | $ 104,000 | $ 52,000 | $ 33,000 |
| Lancaster County Pennsylvania | 2 | $ 74,000 | $ 37,000 | $ 77,000 |
| McKean County Pennsylvania | 2 | $ 123,000 | $ 61,000 | $ 69,000 |
| Washington County Pennsylvania | 2 | $ 162,000 | $ 81,000 | $ 64,000 |
| Dallas County Texas | 2 | $ 175,000 | $ 87,000 | $ 61,000 |
| Appomattox County Virginia | 2 | $ 232,000 | $ 116,000 | $ 48,000 |
| Fairfax County Virginia | 2 | $ 459,000 | $ 229,000 | $ 104,000 |
| Loudoun County Virginia | 2 | $ 236,000 | $ 118,000 | $ 92,000 |
| Montgomery County Virginia | 2 | $ 282,000 | $ 141,000 | $ 99,000 |
| Prince William County Virginia | 2 | $ 405,000 | $ 202,000 | $ 83,000 |
| Boone County West Virginia | 2 | $ 120,000 | $ 60,000 | $ 72,000 |
| Chambers County Alabama | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Choctaw County Alabama | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Elmore County Alabama | 1 | $ 21,000 | $ 21,000 | $ 113,000 |
| Lawrence County Alabama | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Sumter County Alabama | 1 | $ 37,000 | $ 37,000 | $ 47,000 |
| Pinal County Arizona | 1 | $ 73,000 | $ 73,000 | $ 81,000 |
| Baxter County Arkansas | 1 | $ 12,000 | $ 12,000 | $ 43,000 |
| Boone County Arkansas | 1 | $ 6,000 | $ 6,000 | $ 85,000 |
| Stone County Arkansas | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Los Angeles County California | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Riverside County California | 1 | $ 42,000 | $ 42,000 | $ 69,000 |
| Sacramento County California | 1 | $ 192,000 | $ 192,000 | $ 54,000 |
| San Diego County California | 1 | $ 60,000 | $ 60,000 | $ 93,000 |
| Sierra County California | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Adams County Colorado | 1 | $ 60,000 | $ 60,000 | $ 104,000 |
| Costilla County Colorado | 1 | $ 48,000 | $ 48,000 | $ 61,000 |
| Grand County Colorado | 1 | $ 98,000 | $ 98,000 | $ 97,000 |
| Logan County Colorado | 1 | $ 17,000 | $ 17,000 | $ 16,000 |
| Weld County Colorado | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Tolland County Connecticut | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Duval County Florida | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Hillsborough County Florida | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Madison County Florida | 1 | $ 28,000 | $ 28,000 | $ 44,000 |
| Osceola County Florida | 1 | $ 10,000 | $ 10,000 | $ 61,000 |
| Seminole County Florida | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Volusia County Florida | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Butts County Georgia | 1 | $ 29,000 | $ 29,000 | $ 83,000 |
| DeKalb County Georgia | 1 | $ 124,000 | $ 124,000 | $ 81,000 |
| Fulton County Georgia | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Tift County Georgia | 1 | $ 60,000 | $ 60,000 | $ 76,000 |
| Fremont County Idaho | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Idaho County Idaho | 1 | $ 67,000 | $ 67,000 | $ 32,000 |
| Washington County Idaho | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| LaSalle County Illinois | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Clay County Indiana | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Hamilton County Indiana | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Henry County Indiana | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Pottawattamie County Iowa | 1 | $ 46,000 | $ 46,000 | $ 87,000 |
| Sac County Iowa | 1 | $ 89,000 | $ 89,000 | $ 62,000 |
| Anderson County Kansas | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Ford County Kansas | 1 | $ 52,000 | $ 52,000 | $ 102,000 |
| Johnson County Kansas | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Montgomery County Kansas | 1 | $ 57,000 | $ 57,000 | $ 56,000 |
| Shawnee County Kansas | 1 | $ 23,000 | $ 23,000 | $ 60,000 |
| Wilson County Kansas | 1 | $ 51,000 | $ 51,000 | $ 38,000 |
| Christian County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Harlan County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Johnson County Kentucky | 1 | $ 23,000 | $ 23,000 | $ 25,000 |
| Menifee County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 71,000 |
| Whitley County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 111,000 |
| East Baton Rouge County Louisiana | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Iberia County Louisiana | 1 | $ 12,000 | $ 12,000 | $ 56,000 |
| Tangipahoa County Louisiana | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Hancock County Maine | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Anne Arundel County Maryland | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Calvert County Maryland | 1 | $ 110,000 | $ 110,000 | $ 31,000 |
| Cecil County Maryland | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Charles County Maryland | 1 | $ 190,000 | $ 190,000 | $ 76,000 |
| St. Mary's County Maryland | 1 | $ 30,000 | $ 30,000 | $ 97,000 |
| Talbot County Maryland | 1 | $ 70,000 | $ 70,000 | $ 63,000 |
| Middlesex County Massachusetts | 1 | $ 30,000 | $ 30,000 | $ 107,000 |
| Worcester County Massachusetts | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Hillsdale County Michigan | 1 | $ 6,000 | $ 6,000 | $ 51,000 |
| Anoka County Minnesota | 1 | $ 138,000 | $ 138,000 | $ 81,000 |
| Beltrami County Minnesota | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Blue Earth County Minnesota | 1 | $ 9,000 | $ 9,000 | $ 73,000 |
| Freeborn County Minnesota | 1 | $ 59,000 | $ 59,000 | $ 72,000 |
| Goodhue County Minnesota | 1 | $ 34,000 | $ 34,000 | $ 78,000 |
| Morrison County Minnesota | 1 | $ 161,000 | $ 161,000 | $ 71,000 |
| Lawrence County Mississippi | 1 | $ 44,000 | $ 44,000 | $ 40,000 |
| Buchanan County Missouri | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Daviess County Missouri | 1 | $ 23,000 | $ 23,000 | $ 51,000 |
| Mercer County Missouri | 1 | $ 39,000 | $ 39,000 | $ 49,000 |
| Ralls County Missouri | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| St. Charles County Missouri | 1 | $ 10,000 | $ 10,000 | $ 107,000 |
| St. Clair County Missouri | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Red Willow County Nebraska | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Belknap County New Hampshire | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Sullivan County New Hampshire | 1 | $ 30,000 | $ 30,000 | $ 98,000 |
| Camden County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Monmouth County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Morris County New Jersey | 1 | $ 22,000 | $ 22,000 | $ 36,000 |
| Ocean County New Jersey | 1 | $ 276,000 | $ 276,000 | $ 107,000 |
| Salem County New Jersey | 1 | $ 40,000 | $ 40,000 | $ 131,000 |
| Chaves County New Mexico | 1 | $ 8,000 | $ 8,000 | $ 52,000 |
| Dona Ana County New Mexico | 1 | $ 28,000 | $ 28,000 | $ 54,000 |
| Eddy County New Mexico | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Grant County New Mexico | 1 | $ 141,000 | $ 141,000 | $ 65,000 |
| Guadalupe County New Mexico | 1 | $ 43,000 | $ 43,000 | $ 58,000 |
| Hidalgo County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Greene County New York | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Nassau County New York | 1 | $ 11,000 | $ 11,000 | $ 73,000 |
| Otsego County New York | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Suffolk County New York | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Dare County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Haywood County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 46,000 |
| McDowell County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 53,000 |
| Orange County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 89,000 |
| Pitt County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Cass County North Dakota | 1 | $ 24,000 | $ 24,000 | $ 60,000 |
| Franklin County Ohio | 1 | $ 13,000 | $ 13,000 | $ 34,000 |
| Huron County Ohio | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Muskingum County Ohio | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Alfalfa County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Custer County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| McCurtain County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 87,000 |
| Deschutes County Oregon | 1 | $ 59,000 | $ 59,000 | $ 48,000 |
| Josephine County Oregon | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Adams County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Allegheny County Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 84,000 |
| Carbon County Pennsylvania | 1 | $ 34,000 | $ 34,000 | $ 46,000 |
| Delaware County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 71,000 |
| Greene County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 45,000 |
| Lehigh County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| Philadelphia County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 63,000 |
| Clarendon County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Horry County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| McCormick County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 113,000 |
| Sumter County South Carolina | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Lyman County South Dakota | 1 | $ 50,000 | $ 50,000 | $ 71,000 |
| Lauderdale County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Monroe County Tennessee | 1 | $ 33,000 | $ 33,000 | $ 111,000 |
| Angelina County Texas | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Edwards County Texas | 1 | $ 74,000 | $ 74,000 | $ 59,000 |
| Harrison County Texas | 1 | $ 18,000 | $ 18,000 | $ 75,000 |
| Henderson County Texas | 1 | $ 172,000 | $ 172,000 | $ 78,000 |
| Mason County Texas | 1 | $ 12,000 | $ 12,000 | $ 45,000 |
| Nueces County Texas | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Runnels County Texas | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Stonewall County Texas | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Willacy County Texas | 1 | $ 36,000 | $ 36,000 | $ 80,000 |
| Williamson County Texas | 1 | $ 128,000 | $ 128,000 | $ 108,000 |
| Rutland County Vermont | 1 | $ 245,000 | $ 245,000 | $ 39,000 |
| Windsor County Vermont | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Arlington County Virginia | 1 | $ 295,000 | $ 295,000 | $ 133,000 |
| Charlotte County Virginia | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Madison County Virginia | 1 | $ 270,000 | $ 270,000 | $ 112,000 |
| Rockbridge County Virginia | 1 | $ 66,000 | $ 66,000 | $ 73,000 |
| Salem County Virginia | 1 | $ 27,000 | $ 27,000 | $ 18,000 |
| Tazewell County Virginia | 1 | $ 41,000 | $ 41,000 | $ 48,000 |
| Benton County Washington | 1 | $ 210,000 | $ 210,000 | $ 74,000 |
| Skamania County Washington | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Nicholas County West Virginia | 1 | $ 121,000 | $ 121,000 | $ 34,000 |
| Wood County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Fond du Lac County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Signature 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 | 128 | $4,594,000 | $34,317 | $145,000 | $63,731 | $139,000 |
| Refinancing | 91 | $7,467,000 | $74,090 | $295,000 | $63,212 | $133,000 |
| Home Purchase | 41 | $5,377,000 | $124,333 | $428,000 | $55,083 | $170,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 203 | $11,166,000 | $51,209 | $428,000 | $59,767 | $170,000 |
| White | 48 | $5,266,000 | $111,736 | $295,000 | $77,526 | $139,000 |
| Black or African American | 7 | $715,000 | $117,200 | $300,000 | $53,200 | $81,000 |
| Hispanic | 1 | $141,000 | $141,000 | $141,000 | $65,000 | $65,000 |
| Asian | 1 | $150,000 | $150,000 | $150,000 | $116,000 | $116,000 |
| 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 |
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) | 260 | $17,438,000 | $59,422 | $428,000 | $61,933 | $170,000 |
| 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 | 165 | $10,921,000 | $57,697 | $428,000 | $64,046 | $170,000 |
| Application Withdrawn By Applicant | 64 | $4,664,000 | $73,111 | $300,000 | $61,777 | $126,000 |
| Application Denied By Financial Institution | 29 | $1,540,000 | $53,736 | $180,000 | $60,631 | $111,000 |
| Application Approved But Not Accepted | 2 | $313,000 | $156,500 | $273,000 | $62,500 | $71,000 |
| 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 | 13 | $594,000 | $48,333 | $113,000 | $65,555 | $111,000 |
| Debt-To-Income Ratio | 7 | $446,000 | $63,714 | $143,000 | $48,571 | $71,000 |
| Other | 4 | $98,000 | $24,500 | $30,000 | $57,500 | $69,000 |
| Collateral | 2 | $51,000 | $25,500 | $36,000 | $76,500 | $108,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Signature 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 Signature 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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with aggregated HMDA statistics today.