Signature Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Signature Federal Credit Union of Alexandria, VA reported 797 mortgage applications totaling $115.9 million, down 10% from 2023. The average application was for $145,426, and applicants reported an average income of $207,670. 29% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (30), Chicago-Naperville, IL (30) and Los Angeles-Long Beach-Glendale, CA (19) (applications in parentheses).
| Mortgage Company & Address | Signature Federal Credit Union 12 Herbert St. Alexandria, VA 22305 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 | 797 |
| Total Mortgage Loan Application Amount | $115,905,000 |
| Average Mortgage Loan Application Amount | $145,426 |
| Highest Mortgage Loan Application Amount | $3,405,000 |
| Average Applicant Income | $207,670 |
| Highest Applicant Income | $7,002,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Signature Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 92 | $ 14,370,000 | $ 156,195 | $ 223,913 |
| Arlington-Alexandria-Reston, VA-WV | 30 | $ 5,220,000 | $ 174,000 | $ 197,700 |
| Chicago-Naperville, IL | 30 | $ 3,380,000 | $ 112,666 | $ 145,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 3,025,000 | $ 159,210 | $ 237,000 |
| New York-Jersey City-White Plains, NY-NJ | 18 | $ 3,470,000 | $ 192,777 | $ 216,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 2,460,000 | $ 153,750 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 15 | $ 1,355,000 | $ 90,333 | $ 173,000 |
| Washington, DC-MD | 14 | $ 3,380,000 | $ 241,428 | $ 194,428 |
| Sacramento--Roseville--Arden-Arcade, CA | 13 | $ 2,155,000 | $ 165,769 | $ 317,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 1,390,000 | $ 115,833 | $ 170,000 |
| San Diego-Carlsbad, CA | 12 | $ 1,580,000 | $ 131,666 | $ 177,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 1,475,000 | $ 134,090 | $ 191,181 |
| Denver-Aurora-Lakewood, CO | 11 | $ 1,235,000 | $ 112,272 | $ 169,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 1,425,000 | $ 129,545 | $ 153,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 1,450,000 | $ 145,000 | $ 201,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 1,355,000 | $ 150,555 | $ 294,000 |
| Boston, MA | 9 | $ 1,425,000 | $ 158,333 | $ 175,000 |
| Kansas City, MO-KS | 9 | $ 1,375,000 | $ 152,777 | $ 404,888 |
| Lakewood-New Brunswick, NJ | 9 | $ 2,505,000 | $ 278,333 | $ 347,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 1,225,000 | $ 136,111 | $ 221,000 |
| Nassau County-Suffolk County, NY | 8 | $ 1,110,000 | $ 138,750 | $ 233,000 |
| Philadelphia, PA | 8 | $ 1,240,000 | $ 155,000 | $ 197,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 970,000 | $ 121,250 | $ 188,000 |
| Richmond, VA | 8 | $ 1,090,000 | $ 136,250 | $ 216,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,040,000 | $ 130,000 | $ 166,000 |
| Elgin, IL | 7 | $ 655,000 | $ 93,571 | $ 108,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 815,000 | $ 116,428 | $ 168,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 855,000 | $ 122,142 | $ 205,000 |
| Port St. Lucie, FL | 7 | $ 725,000 | $ 103,571 | $ 215,000 |
| Washington-Baltimore-Arlington, DC | 7 | $ 1,415,000 | $ 202,142 | $ 195,000 |
| Columbus, OH | 6 | $ 760,000 | $ 126,666 | $ 620,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 770,000 | $ 128,333 | $ 116,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 680,000 | $ 113,333 | $ 123,000 |
| Newark, NJ-PA | 6 | $ 770,000 | $ 128,333 | $ 188,000 |
| Providence-Warwick, RI-MA | 6 | $ 940,000 | $ 156,666 | $ 111,666 |
| Tacoma-Lakewood, WA | 6 | $ 830,000 | $ 138,333 | $ 215,000 |
| Camden, NJ | 5 | $ 395,000 | $ 79,000 | $ 190,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 855,000 | $ 171,000 | $ 152,000 |
| Cincinnati, OH-KY-IN | 5 | $ 745,000 | $ 149,000 | $ 203,400 |
| Columbia, SC | 5 | $ 385,000 | $ 77,000 | $ 331,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 495,000 | $ 99,000 | $ 208,000 |
| Greensboro-High Point, NC | 5 | $ 555,000 | $ 111,000 | $ 226,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 545,000 | $ 109,000 | $ 270,000 |
| Montgomery, AL | 5 | $ 525,000 | $ 105,000 | $ 168,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,065,000 | $ 213,000 | $ 142,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,115,000 | $ 223,000 | $ 182,000 |
| Wilmington, NC | 5 | $ 875,000 | $ 175,000 | $ 232,000 |
| Worcester, MA-CT | 5 | $ 585,000 | $ 117,000 | $ 129,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,270,000 | $ 567,500 | $ 267,000 |
| Charleston-North Charleston, SC | 4 | $ 750,000 | $ 187,500 | $ 155,000 |
| Cleveland, OH | 4 | $ 640,000 | $ 160,000 | $ 210,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 240,000 | $ 60,000 | $ 140,500 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 850,000 | $ 212,500 | $ 237,000 |
| Jacksonville, FL | 4 | $ 310,000 | $ 77,500 | $ 117,000 |
| Kennewick-Richland, WA | 4 | $ 310,000 | $ 77,500 | $ 83,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 300,000 | $ 75,000 | $ 105,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 560,000 | $ 140,000 | $ 244,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 560,000 | $ 140,000 | $ 231,000 |
| Provo-Orem, UT | 4 | $ 590,000 | $ 147,500 | $ 121,000 |
| Asheville, NC | 3 | $ 255,000 | $ 85,000 | $ 156,000 |
| Birmingham-Hoover, AL | 3 | $ 325,000 | $ 108,333 | $ 185,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 225,000 | $ 75,000 | $ 118,000 |
| Clarksville, TN-KY | 3 | $ 305,000 | $ 101,666 | $ 188,666 |
| Columbus, GA-AL | 3 | $ 185,000 | $ 61,666 | $ 45,000 |
| Fort Collins, CO | 3 | $ 435,000 | $ 145,000 | $ 278,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 155,000 | $ 51,666 | $ 126,000 |
| Huntsville, AL | 3 | $ 265,000 | $ 88,333 | $ 191,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 785,000 | $ 261,666 | $ 215,000 |
| Lexington Park, MD | 3 | $ 365,000 | $ 121,666 | $ 263,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 315,000 | $ 105,000 | $ 91,000 |
| Ogden-Clearfield, UT | 3 | $ 475,000 | $ 158,333 | $ 167,000 |
| Pittsburgh, PA | 3 | $ 485,000 | $ 161,666 | $ 163,000 |
| Rochester, NY | 3 | $ 345,000 | $ 115,000 | $ 174,000 |
| Salt Lake City, UT | 3 | $ 205,000 | $ 68,333 | $ 115,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 325,000 | $ 108,333 | $ 91,000 |
| Spokane-Spokane Valley, WA | 3 | $ 395,000 | $ 131,666 | $ 2,464,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 585,000 | $ 195,000 | $ 51,000 |
| Stockton-Lodi, CA | 3 | $ 175,000 | $ 58,333 | $ 181,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,085,000 | $ 361,666 | $ 243,000 |
| Winston-Salem, NC | 3 | $ 565,000 | $ 188,333 | $ 207,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 140,000 | $ 70,000 | $ 109,500 |
| Atlantic City-Hammonton, NJ | 2 | $ 250,000 | $ 125,000 | $ 196,000 |
| Baton Rouge, LA | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Boise City, ID | 2 | $ 60,000 | $ 30,000 | $ 68,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 350,000 | $ 175,000 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 160,000 | $ 80,000 | $ 130,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 190,000 | $ 95,000 | $ 138,000 |
| Farmington, NM | 2 | $ 210,000 | $ 105,000 | $ 179,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 260,000 | $ 130,000 | $ 175,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 150,000 | $ 75,000 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 230,000 | $ 115,000 | $ 93,000 |
| Jackson, MS | 2 | $ 180,000 | $ 90,000 | $ 202,000 |
| Joplin, MO | 2 | $ 110,000 | $ 55,000 | $ 121,000 |
| Kingston, NY | 2 | $ 410,000 | $ 205,000 | $ 303,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 150,000 | $ 75,000 | $ 140,000 |
| Longview, TX | 2 | $ 210,000 | $ 105,000 | $ 124,000 |
| Madison, WI | 2 | $ 430,000 | $ 215,000 | $ 94,000 |
| Modesto, CA | 2 | $ 160,000 | $ 80,000 | $ 164,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 330,000 | $ 165,000 | $ 320,000 |
| New Haven-Milford, CT | 2 | $ 370,000 | $ 185,000 | $ 263,000 |
| Ocala, FL | 2 | $ 260,000 | $ 130,000 | $ 158,000 |
| Olympia-Tumwater, WA | 2 | $ 170,000 | $ 85,000 | $ 126,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 120,000 | $ 60,000 | $ 215,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 390,000 | $ 195,000 | $ 193,000 |
| Panama City, FL | 2 | $ 240,000 | $ 120,000 | $ 289,000 |
| Raleigh, NC | 2 | $ 1,110,000 | $ 555,000 | $ 211,000 |
| Rockford, IL | 2 | $ 210,000 | $ 105,000 | $ 214,000 |
| Salem, OR | 2 | $ 280,000 | $ 140,000 | $ 162,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 350,000 | $ 175,000 | $ 281,000 |
| Santa Rosa, CA | 2 | $ 410,000 | $ 205,000 | $ 860,000 |
| Sioux Falls, SD | 2 | $ 80,000 | $ 40,000 | $ 138,000 |
| Springfield, MO | 2 | $ 240,000 | $ 120,000 | $ 239,000 |
| St. Louis, MO-IL | 2 | $ 100,000 | $ 50,000 | $ 155,500 |
| Tampa, FL | 2 | $ 790,000 | $ 395,000 | $ 170,000 |
| Tucson, AZ | 2 | $ 250,000 | $ 125,000 | $ 220,000 |
| Tulsa, OK | 2 | $ 60,000 | $ 30,000 | $ 124,000 |
| Waterbury-Shelton, CT | 2 | $ 390,000 | $ 195,000 | $ 132,000 |
| Wilmington, DE-MD-NJ | 2 | $ 190,000 | $ 95,000 | $ 80,500 |
| Albany, GA | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Alexandria, LA | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Altoona, PA | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Auburn-Opelika, AL | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Barnstable Town, MA | 1 | $ 1,755,000 | $ 1,755,000 | $ 300,000 |
| Beckley, WV | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Bloomington, IL | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Bloomington, IN | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Bowling Green, KY | 1 | $ 245,000 | $ 245,000 | $ 19,000 |
| Bozeman, MT | 1 | $ 155,000 | $ 155,000 | $ 172,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 245,000 | $ 245,000 | $ 322,000 |
| Canton-Massillon, OH | 1 | $ 35,000 | $ 35,000 | $ 191,000 |
| Charlottesville, VA | 1 | $ 95,000 | $ 95,000 | $ 274,000 |
| Chico, CA | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Coeur D'Alene, ID | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| College Station-Bryan, TX | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Columbia, MO | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Dallas-Plano-Irving, TX | 1 | $ 85,000 | $ 85,000 | $ 175,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 139,000 |
| Des Moines-West Des Moines, IA | 1 | $ 125,000 | $ 125,000 | $ 181,000 |
| Evansville, IN-KY | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Everett, WA | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| Fargo, ND-MN | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Florence-Muscle Shoals, AL | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Fort Wayne, IN | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Fresno, CA | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Gainesville, GA | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Greeley, CO | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 75,000 | $ 75,000 | $ 259,000 |
| Hinesville, GA | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Hot Springs, AR | 1 | $ 145,000 | $ 145,000 | $ 195,000 |
| Jackson, MI | 1 | $ 115,000 | $ 115,000 | $ 171,000 |
| Jackson, TN | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Jacksonville, NC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Jefferson City, MO | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Jonesboro, AR | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Kankakee, IL | 1 | $ 45,000 | $ 45,000 | $ 149,000 |
| Knoxville, TN | 1 | $ 575,000 | $ 575,000 | $ 114,000 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 179,000 |
| Lebanon, PA | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Lexington-Fayette, KY | 1 | $ 195,000 | $ 195,000 | $ 161,000 |
| Lynchburg, VA | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Macon-Bibb County, GA | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Manchester-Nashua, NH | 1 | $ 215,000 | $ 215,000 | $ 186,000 |
| Marietta, GA | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Medford, OR | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Merced, CA | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Michigan City-La Porte, IN | 1 | $ 125,000 | $ 125,000 | $ 186,000 |
| Midland, MI | 1 | $ 355,000 | $ 355,000 | $ 243,000 |
| Missoula, MT | 1 | $ 175,000 | $ 175,000 | $ 200,000 |
| Morgantown, WV | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| Morristown, TN | 1 | $ 25,000 | $ 25,000 | $ 101,000 |
| Norwich-New London, CT | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Oklahoma City, OK | 1 | $ 35,000 | $ 35,000 | $ 288,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 185,000 | $ 185,000 | $ 268,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 105,000 | $ 105,000 | $ 188,000 |
| Pittsfield, MA | 1 | $ 205,000 | $ 205,000 | $ 189,000 |
| Pueblo, CO | 1 | $ 35,000 | $ 35,000 | $ 106,000 |
| Punta Gorda, FL | 1 | $ 345,000 | $ 345,000 | $ 189,000 |
| Rochester, MN | 1 | $ 45,000 | $ 45,000 | $ 248,000 |
| Salinas, CA | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Salisbury, MD-DE | 1 | $ 45,000 | $ 45,000 | $ 97,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 205,000 | $ 205,000 | $ 241,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Santa Fe, NM | 1 | $ 255,000 | $ 255,000 | $ 309,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 145,000 | $ 145,000 | $ 3,050,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 75,000 | $ 75,000 | $ 209,000 |
| Springfield, MA | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| St. Joseph, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 23,000 |
| Syracuse, NY | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Tallahassee, FL | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Terre Haute, IN | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Texarkana, TX-AR | 1 | $ 235,000 | $ 235,000 | $ 133,000 |
| Topeka, KS | 1 | $ 125,000 | $ 125,000 | $ 167,000 |
| Twin Falls, ID | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Utica-Rome, NY | 1 | $ 65,000 | $ 65,000 | $ 133,000 |
| Vallejo-Fairfield, CA | 1 | $ 35,000 | $ 35,000 | $ 898,000 |
| Visalia-Porterville, CA | 1 | $ 205,000 | $ 205,000 | $ 165,000 |
| Waco, TX | 1 | $ 145,000 | $ 145,000 | $ 180,000 |
| Warner Robins, GA | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Wenatchee, WA | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Yuma, AZ | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Signature Federal Credit Union in 2024
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 | 381 | $49,455,000 | $129,000 | $745,000 | $193,000 | $2,376,000 |
| Home Improvement | 260 | $31,210,000 | $120,000 | $275,000 | $235,000 | $7,002,000 |
| Cash-out Refinancing | 88 | $12,220,000 | $138,000 | $1,755,000 | $193,000 | $1,091,000 |
| Home Purchase | 42 | $16,960,000 | $403,000 | $3,405,000 | $225,000 | $3,396,000 |
| Refinancing | 26 | $6,060,000 | $233,000 | $1,315,000 | $171,000 | $494,000 |
| 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 | 372 | $51,320,000 | $137,000 | $1,005,000 | $224,000 | $7,002,000 |
| Not Provided | 245 | $40,345,000 | $164,000 | $3,405,000 | $215,000 | $3,396,000 |
| Hispanic | 75 | $10,045,000 | $133,000 | $495,000 | $147,000 | $400,000 |
| Black or African American | 60 | $8,680,000 | $144,000 | $1,315,000 | $154,000 | $389,000 |
| Asian | 40 | $5,150,000 | $128,000 | $255,000 | $223,000 | $744,000 |
| American Indian or Alaskan Native | 4 | $350,000 | $87,000 | $165,000 | $90,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $100,000 | $100,000 |
| 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) | 796 | $115,800,000 | $145,000 | $3,405,000 | $208,000 | $7,002,000 |
| FHA-insured (Federal Housing Administration) | 1 | $105,000 | $105,000 | $105,000 | $265,000 | $265,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 237 | $27,855,000 | $117,000 | $385,000 | $191,000 | $7,002,000 |
| Loan Originated | 232 | $29,580,000 | $127,000 | $765,000 | $195,000 | $902,000 |
| Application Withdrawn By Applicant | 189 | $36,625,000 | $193,000 | $3,405,000 | $226,000 | $3,396,000 |
| File Closed For Incompleteness | 139 | $21,845,000 | $157,000 | $1,685,000 | $233,000 | $3,050,000 |
| 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 | 560 | $88,050,000 | $157,000 | $3,405,000 | $215,000 | $3,396,000 |
| Debt-To-Income Ratio | 138 | $15,870,000 | $115,000 | $285,000 | $150,000 | $481,000 |
| Credit History | 65 | $7,195,000 | $110,000 | $355,000 | $177,000 | $775,000 |
| Other | 16 | $2,050,000 | $128,000 | $255,000 | $160,000 | $300,000 |
| Collateral | 16 | $2,320,000 | $145,000 | $355,000 | $647,000 | $7,002,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $110,000 | $110,000 |
| Employment History | 1 | $385,000 | $385,000 | $385,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Signature Federal Credit Union's 2024 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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