Nrl Federal Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Nrl Federal Credit Union of Alexandria, VA reported 398 mortgage applications totaling $107.6 million, up 10% from 2019. The average application was for $270,402, and applicants reported an average income of $153,356. 90% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (207), Baltimore-Columbia-Towson, MD (28) and Washington-Baltimore-Arlington, DC (18) (applications in parentheses).
| Mortgage Company & Address | Nrl Federal Credit Union 5440 Cherokee Ave Suite 200 Alexandria, VA 22312 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 | 398 |
| Total Mortgage Loan Application Amount | $107,620,000 |
| Average Mortgage Loan Application Amount | $270,402 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $153,356 |
| Highest Applicant Income | $561,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nrl Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Charles, Maryland | 53 | $ 12,045,000 | $ 227,264 | $ 121,000 |
| Fairfax, Virginia | 42 | $ 14,550,000 | $ 346,428 | $ 172,000 |
| Prince George's, Maryland | 38 | $ 8,490,000 | $ 223,421 | $ 134,000 |
| District of Columbia, District Of Columbia | 19 | $ 6,125,000 | $ 322,368 | $ 180,000 |
| Calvert, Maryland | 15 | $ 3,895,000 | $ 259,666 | $ 126,000 |
| Montgomery, Maryland | 15 | $ 4,675,000 | $ 311,666 | $ 188,000 |
| Anne Arundel, Maryland | 14 | $ 3,860,000 | $ 275,714 | $ 157,000 |
| St. Mary's, Maryland | 12 | $ 2,920,000 | $ 243,333 | $ 164,000 |
| Prince William, Virginia | 8 | $ 1,670,000 | $ 208,750 | $ 119,000 |
| Loudoun, Virginia | 7 | $ 2,125,000 | $ 303,571 | $ 187,000 |
| Baltimore, Maryland | 6 | $ 1,540,000 | $ 256,666 | $ 186,000 |
| Howard, Maryland | 5 | $ 1,815,000 | $ 363,000 | $ 225,000 |
| Arlington, Virginia | 5 | $ 1,665,000 | $ 333,000 | $ 132,000 |
| Stafford, Virginia | 5 | $ 1,405,000 | $ 281,000 | $ 139,000 |
| Sussex, Delaware | 4 | $ 790,000 | $ 197,500 | $ 248,000 |
| Alexandria, Virginia | 4 | $ 1,560,000 | $ 390,000 | $ 145,000 |
| Kent, Delaware | 3 | $ 1,035,000 | $ 345,000 | $ 203,000 |
| Hillsborough, Florida | 3 | $ 505,000 | $ 168,333 | $ 133,000 |
| DeKalb, Georgia | 3 | $ 995,000 | $ 331,666 | $ 218,000 |
| Frederick, Maryland | 3 | $ 895,000 | $ 298,333 | $ 144,000 |
| Buncombe, North Carolina | 3 | $ 635,000 | $ 211,666 | $ 138,000 |
| Mecklenburg, North Carolina | 3 | $ 475,000 | $ 158,333 | $ 117,000 |
| Maricopa, Arizona | 2 | $ 580,000 | $ 290,000 | $ 73,000 |
| Cook, Illinois | 2 | $ 160,000 | $ 80,000 | $ 85,000 |
| Waldo, Maine | 2 | $ 290,000 | $ 145,000 | $ 233,000 |
| Queen Anne's, Maryland | 2 | $ 700,000 | $ 350,000 | $ 153,000 |
| Worcester, Maryland | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Wake, North Carolina | 2 | $ 600,000 | $ 300,000 | $ 280,000 |
| Fauquier, Virginia | 2 | $ 520,000 | $ 260,000 | $ 123,000 |
| Henrico, Virginia | 2 | $ 730,000 | $ 365,000 | $ 267,000 |
| Montgomery, Virginia | 2 | $ 620,000 | $ 310,000 | $ 141,000 |
| Page, Virginia | 2 | $ 170,000 | $ 85,000 | $ 170,000 |
| Spotsylvania, Virginia | 2 | $ 370,000 | $ 185,000 | $ 122,000 |
| Warren, Virginia | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| King, Washington | 2 | $ 660,000 | $ 330,000 | $ 344,000 |
| Coconino, Arizona | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Pima, Arizona | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Boulder, Colorado | 1 | $ 485,000 | $ 485,000 | $ 72,000 |
| Douglas, Colorado | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Grand, Colorado | 1 | $ 125,000 | $ 125,000 | $ 230,000 |
| Jefferson, Colorado | 1 | $ 555,000 | $ 555,000 | $ 230,000 |
| Fairfield, Connecticut | 1 | $ 445,000 | $ 445,000 | $ 401,000 |
| Litchfield, Connecticut | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| New Castle, Delaware | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Duval, Florida | 1 | $ 515,000 | $ 515,000 | $ 131,000 |
| Indian River, Florida | 1 | $ 455,000 | $ 455,000 | $ 225,000 |
| Lee, Florida | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Pinellas, Florida | 1 | $ 905,000 | $ 905,000 | $ 479,000 |
| Polk, Florida | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Sarasota, Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Carroll, Georgia | 1 | $ 595,000 | $ 595,000 | $ 0 |
| DuPage, Illinois | 1 | $ 85,000 | $ 85,000 | $ 265,000 |
| Hendricks, Indiana | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Fayette, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| York, Maine | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Carroll, Maryland | 1 | $ 325,000 | $ 325,000 | $ 263,000 |
| Garrett, Maryland | 1 | $ 475,000 | $ 475,000 | $ 545,000 |
| Talbot, Maryland | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Barnstable, Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Middlesex, Massachusetts | 1 | $ 175,000 | $ 175,000 | $ 208,000 |
| Norfolk, Massachusetts | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Emmet, Michigan | 1 | $ 335,000 | $ 335,000 | $ 498,000 |
| DeKalb, Missouri | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| St. Louis City, Missouri | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Middlesex, New Jersey | 1 | $ 365,000 | $ 365,000 | $ 158,000 |
| San Juan, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 261,000 |
| Santa Fe, New Mexico | 1 | $ 615,000 | $ 615,000 | $ 240,000 |
| Brunswick, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| Camden, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 715,000 | $ 715,000 | $ 265,000 |
| Harnett, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Johnston, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Nash, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 94,000 |
| Orange, North Carolina | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Pender, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Randolph, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Linn, Oregon | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Adams, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 123,000 |
| Allegheny, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Chester, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 288,000 |
| Cumberland, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 239,000 |
| Delaware, Pennsylvania | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 271,000 |
| Montgomery, Pennsylvania | 1 | $ 1,005,000 | $ 1,005,000 | $ 561,000 |
| Philadelphia, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| York, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Dorchester, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Georgetown, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Marion, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 363,000 |
| Shelby, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 201,000 |
| Salt Lake, Utah | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Caledonia, Vermont | 1 | $ 45,000 | $ 45,000 | $ 235,000 |
| Campbell, Virginia | 1 | $ 135,000 | $ 135,000 | $ 238,000 |
| Clarke, Virginia | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| Fairfax City, Virginia | 1 | $ 585,000 | $ 585,000 | $ 115,000 |
| Frederick, Virginia | 1 | $ 215,000 | $ 215,000 | $ 146,000 |
| Greene, Virginia | 1 | $ 365,000 | $ 365,000 | $ 291,000 |
| James City, Virginia | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| King George, Virginia | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Lynchburg, Virginia | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Manassas, Virginia | 1 | $ 35,000 | $ 35,000 | $ 145,000 |
| Newport News, Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Orange, Virginia | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Rappahannock, Virginia | 1 | $ 185,000 | $ 185,000 | $ 166,000 |
| Salem, Virginia | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Shenandoah, Virginia | 1 | $ 85,000 | $ 85,000 | $ 415,000 |
| Virginia Beach, Virginia | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Jefferson, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Tucker, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 237,000 |
Mortgage Loan Application Detail Totals for Nrl Federal Credit Union in 2020
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 | 164 | $49,720,000 | $303,000 | $1,005,000 | $158,000 | $545,000 |
| Cash-out Refinancing | 119 | $34,445,000 | $289,000 | $1,005,000 | $151,000 | $561,000 |
| Home Purchase | 80 | $20,980,000 | $262,000 | $905,000 | $144,000 | $479,000 |
| Other Purpose | 35 | $2,475,000 | $70,000 | $155,000 | $161,000 | $415,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 217 | $62,315,000 | $287,000 | $1,005,000 | $167,000 | $561,000 |
| Black or African American | 74 | $16,510,000 | $223,000 | $565,000 | $116,000 | $339,000 |
| Not Provided | 62 | $16,980,000 | $273,000 | $915,000 | $167,000 | $479,000 |
| Asian | 22 | $5,830,000 | $265,000 | $465,000 | $149,000 | $498,000 |
| Hispanic | 9 | $2,445,000 | $271,000 | $495,000 | $123,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $995,000 | $331,000 | $395,000 | $91,000 | $113,000 |
| American Indian or Alaskan Native | 3 | $975,000 | $325,000 | $375,000 | $101,000 | $115,000 |
| 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) | 398 | $107,620,000 | $270,000 | $1,005,000 | $153,000 | $561,000 |
| 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 | 358 | $98,890,000 | $276,000 | $1,005,000 | $160,000 | $561,000 |
| Application Denied By Financial Institution | 24 | $4,130,000 | $172,000 | $415,000 | $90,000 | $305,000 |
| Application Withdrawn By Applicant | 8 | $2,690,000 | $336,000 | $695,000 | $160,000 | $263,000 |
| Preapproval Denied by Financial Institution | 7 | $1,735,000 | $247,000 | $485,000 | $65,000 | $102,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $89,000 | $89,000 |
| Application Approved But Not Accepted | 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 |
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 | 367 | $101,755,000 | $277,000 | $1,005,000 | $160,000 | $561,000 |
| Credit History | 14 | $2,610,000 | $186,000 | $415,000 | $68,000 | $175,000 |
| Debt-To-Income Ratio | 6 | $1,650,000 | $275,000 | $485,000 | $68,000 | $102,000 |
| Collateral | 5 | $955,000 | $191,000 | $325,000 | $88,000 | $145,000 |
| Other | 3 | $295,000 | $98,000 | $175,000 | $212,000 | $305,000 |
| Employment History | 2 | $160,000 | $80,000 | $155,000 | $60,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $65,000 | $65,000 |
| 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 Nrl Federal Credit Union's 2020 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 Nrl 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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