State Employees Credit Union of MD Mortgage Lending & HMDA Data, 2003
In 2003, State Employees Credit Union of MD of Linthicum, MD reported 1,992 mortgage applications totaling $263.0 million. The average application was for $132,031, and applicants reported an average income of $70,217. 67% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Baltimore, MD (1,113), Hagerstown, MD (66) and Cumberland, MD-WV (62) (applications in parentheses).
| Mortgage Company & Address | State Employees Credit Union of MD 971 Corporate Blvd Linthicum, MD 21090 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 | 1,992 |
| Total Mortgage Loan Application Amount | $263,007,000 |
| Average Mortgage Loan Application Amount | $132,031 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $70,217 |
| Highest Applicant Income | $423,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Employees Credit Union of MD filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore, Maryland | 401 | $ 47,765,000 | $ 119,114 | $ 62,000 |
| Anne Arundel, Maryland | 242 | $ 36,941,000 | $ 152,648 | $ 72,000 |
| Prince George's, Maryland | 205 | $ 29,844,000 | $ 145,580 | $ 74,000 |
| Baltimore City, Maryland | 195 | $ 17,156,000 | $ 87,979 | $ 57,000 |
| Montgomery, Maryland | 149 | $ 27,610,000 | $ 185,302 | $ 85,000 |
| Howard, Maryland | 120 | $ 21,422,000 | $ 178,516 | $ 91,000 |
| Wicomico, Maryland | 90 | $ 8,520,000 | $ 94,666 | $ 59,000 |
| Carroll, Maryland | 66 | $ 10,061,000 | $ 152,439 | $ 72,000 |
| Harford, Maryland | 66 | $ 8,979,000 | $ 136,045 | $ 76,000 |
| Washington, Maryland | 66 | $ 6,865,000 | $ 104,015 | $ 72,000 |
| Allegany, Maryland | 62 | $ 5,064,000 | $ 81,677 | $ 53,000 |
| Worcester, Maryland | 38 | $ 3,797,000 | $ 99,921 | $ 74,000 |
| Dorchester, Maryland | 31 | $ 3,535,000 | $ 114,032 | $ 70,000 |
| Frederick, Maryland | 24 | $ 3,925,000 | $ 163,541 | $ 85,000 |
| Queen Anne's, Maryland | 23 | $ 3,926,000 | $ 170,695 | $ 93,000 |
| Caroline, Maryland | 19 | $ 1,895,000 | $ 99,736 | $ 42,000 |
| Calvert, Maryland | 18 | $ 2,247,000 | $ 124,833 | $ 67,000 |
| Talbot, Maryland | 18 | $ 3,061,000 | $ 170,055 | $ 79,000 |
| Somerset, Maryland | 15 | $ 1,024,000 | $ 68,266 | $ 50,000 |
| District of Columbia, District Of Columbia | 13 | $ 2,263,000 | $ 174,076 | $ 70,000 |
| Garrett, Maryland | 13 | $ 1,103,000 | $ 84,846 | $ 73,000 |
| Fairfax, Virginia | 13 | $ 3,060,000 | $ 235,384 | $ 134,000 |
| Kent, Maryland | 12 | $ 1,116,000 | $ 93,000 | $ 55,000 |
| St. Mary's, Maryland | 12 | $ 1,515,000 | $ 126,250 | $ 79,000 |
| Sussex, Delaware | 9 | $ 1,003,000 | $ 111,444 | $ 83,000 |
| Cecil, Maryland | 6 | $ 705,000 | $ 117,500 | $ 66,000 |
| York, Pennsylvania | 6 | $ 761,000 | $ 126,833 | $ 52,000 |
| Charles, Maryland | 5 | $ 805,000 | $ 161,000 | $ 57,000 |
| Mineral, West Virginia | 5 | $ 467,000 | $ 93,400 | $ 63,000 |
| Adams, Pennsylvania | 4 | $ 491,000 | $ 122,750 | $ 69,000 |
| Franklin, Pennsylvania | 4 | $ 640,000 | $ 160,000 | $ 96,000 |
| Accomack, Virginia | 4 | $ 293,000 | $ 73,250 | $ 67,000 |
| New Castle, Delaware | 3 | $ 458,000 | $ 152,666 | $ 108,000 |
| Chester, Pennsylvania | 3 | $ 558,000 | $ 186,000 | $ 85,000 |
| Fulton, Pennsylvania | 3 | $ 229,000 | $ 76,333 | $ 38,000 |
| Loudoun, Virginia | 3 | $ 544,000 | $ 181,333 | $ 63,000 |
| Berkeley, West Virginia | 3 | $ 259,000 | $ 86,333 | $ 47,000 |
| Kent, Delaware | 1 | $ 77,000 | $ 77,000 | $ 45,000 |
| Bucks, Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 138,000 |
| Carbon, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 77,000 |
| Centre, Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 59,000 |
| Philadelphia, Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 69,000 |
| Schuylkill, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Somerset, Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Arlington, Virginia | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Charlottesville, Virginia | 1 | $ 97,000 | $ 97,000 | $ 60,000 |
| Franklin City, Virginia | 1 | $ 19,000 | $ 19,000 | $ 104,000 |
| Hanover, Virginia | 1 | $ 286,000 | $ 286,000 | $ 138,000 |
| James City, Virginia | 1 | $ 240,000 | $ 240,000 | $ 42,000 |
| King George, Virginia | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Lancaster, Virginia | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Prince William, Virginia | 1 | $ 88,000 | $ 88,000 | $ 53,000 |
| Stafford, Virginia | 1 | $ 214,000 | $ 214,000 | $ 87,000 |
| Virginia Beach, Virginia | 1 | $ 126,000 | $ 126,000 | $ 44,000 |
| Hampshire, West Virginia | 1 | $ 90,000 | $ 90,000 | $ 92,000 |
| Jefferson, West Virginia | 1 | $ 124,000 | $ 124,000 | $ 56,000 |
| Morgan, West Virginia | 1 | $ 131,000 | $ 131,000 | $ 67,000 |
| Preston, West Virginia | 1 | $ 66,000 | $ 66,000 | $ 82,000 |
| Randolph, West Virginia | 1 | $ 96,000 | $ 96,000 | $ 130,000 |
| Tucker, West Virginia | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for State Employees Credit Union of MD in 2003
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 (home purchase or home improvement, one-to-four family) | 1,848 | $241,171,000 | $139,000 | $700,000 | $72,166 | $423,000 |
| Home Purchase (one-to-four family) | 144 | $21,836,000 | $137,200 | $530,000 | $85,200 | $237,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 957 | $126,081,000 | $140,166 | $700,000 | $74,833 | $423,000 |
| Information not provided by applicant in mail or telephone application | 687 | $86,748,000 | $143,333 | $495,000 | $79,833 | $320,000 |
| Black | 241 | $31,391,000 | $121,000 | $500,000 | $52,500 | $305,000 |
| Asian or Pacific Islander | 68 | $13,122,000 | $182,666 | $530,000 | $88,000 | $333,000 |
| Hispanic | 19 | $2,828,000 | $148,000 | $330,000 | $78,000 | $150,000 |
| Other | 12 | $1,855,000 | $154,000 | $350,000 | $67,000 | $113,000 |
| American Indian or Alaskan Native | 8 | $982,000 | $122,000 | $252,000 | $63,000 | $102,000 |
| 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) | 1,992 | $263,007,000 | $139,333 | $700,000 | $74,666 | $423,000 |
| 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 | 1,328 | $176,349,000 | $140,166 | $700,000 | $80,000 | $423,000 |
| Application Withdrawn By Applicant | 439 | $57,240,000 | $144,166 | $580,000 | $75,333 | $305,000 |
| Application Denied By Financial Institution | 155 | $20,471,000 | $96,800 | $384,000 | $56,600 | $205,000 |
| File Closed For Incompleteness | 36 | $4,378,000 | $151,000 | $183,000 | $75,500 | $171,000 |
| Application Approved But Not Accepted | 34 | $4,569,000 | $134,000 | $465,000 | $71,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 95 | $11,950,000 | $96,000 | $380,000 | $73,000 | $153,000 |
| Debt-To-Income Ratio | 37 | $5,710,000 | $111,250 | $384,000 | $37,000 | $205,000 |
| Collateral | 11 | $1,412,000 | $128,000 | $337,000 | $64,000 | $118,000 |
| Other | 5 | $755,000 | $124,000 | $263,000 | $30,500 | $91,000 |
| Credit Application Incomplete | 4 | $315,000 | $78,000 | $105,000 | $64,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $251,000 | $125,000 | $196,000 | $39,000 | $50,000 |
| Employment History | 1 | $78,000 | $78,000 | $78,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees Credit Union of MD's 2003 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 State Employees Credit Union of MD'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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About