State Employees Credit Union Of Maryland, Incorporated
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
State Employees Credit Union Of Maryland, Incorporated 2006 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 | State Employees Credit Union Of Maryland, Incorporated 971 Corporate Blvd Linthicum, MD 21090 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 | 2,336 |
| Total Mortgage Loan Application Amount | $256,179,000 |
| Average Mortgage Loan Application Amount | $121,666 |
| Highest Mortgage Loan Application Amount | $653,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $910,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with State Employees Credit Union Of Maryland, Incorporated. 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 State Employees Credit Union Of Maryland, Incorporated's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down State Employees Credit Union Of Maryland, Incorporated'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 State Employees Credit Union Of Maryland, Incorporated serves its applicants.
Each category highlights the total number of mortgage applications processed by State Employees Credit Union Of Maryland, Incorporated, 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 State Employees Credit Union Of Maryland, Incorporated's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore County Maryland | 523 | $ 55,708,000 | $ 106,000 | $ 75,000 |
| Baltimore City County Maryland | 430 | $ 30,169,000 | $ 70,000 | $ 56,000 |
| Anne Arundel County Maryland | 238 | $ 29,437,000 | $ 123,000 | $ 77,000 |
| Prince George's County Maryland | 232 | $ 33,605,000 | $ 144,000 | $ 82,000 |
| Montgomery County Maryland | 128 | $ 19,751,000 | $ 154,000 | $ 90,000 |
| Howard County Maryland | 120 | $ 19,247,000 | $ 160,000 | $ 97,000 |
| Wicomico County Maryland | 87 | $ 7,744,000 | $ 89,000 | $ 57,000 |
| Harford County Maryland | 65 | $ 6,701,000 | $ 103,000 | $ 83,000 |
| Allegany County Maryland | 44 | $ 2,791,000 | $ 63,000 | $ 60,000 |
| Washington County Maryland | 41 | $ 3,287,000 | $ 80,000 | $ 64,000 |
| Carroll County Maryland | 40 | $ 4,476,000 | $ 111,000 | $ 87,000 |
| Calvert County Maryland | 33 | $ 3,522,000 | $ 106,000 | $ 81,000 |
| Queen Anne's County Maryland | 31 | $ 3,262,000 | $ 105,000 | $ 76,000 |
| Somerset County Maryland | 31 | $ 2,044,000 | $ 65,000 | $ 57,000 |
| Worcester County Maryland | 29 | $ 2,566,000 | $ 88,000 | $ 75,000 |
| Dorchester County Maryland | 26 | $ 3,025,000 | $ 116,000 | $ 73,000 |
| Frederick County Maryland | 24 | $ 3,486,000 | $ 145,000 | $ 79,000 |
| Sussex County Delaware | 22 | $ 2,721,000 | $ 123,000 | $ 66,000 |
| District of Columbia County District Of Columbia | 19 | $ 3,053,000 | $ 160,000 | $ 81,000 |
| York County Pennsylvania | 19 | $ 1,729,000 | $ 91,000 | $ 81,000 |
| Talbot County Maryland | 18 | $ 2,274,000 | $ 126,000 | $ 105,000 |
| Charles County Maryland | 16 | $ 2,559,000 | $ 159,000 | $ 74,000 |
| Kent County Maryland | 12 | $ 1,694,000 | $ 141,000 | $ 60,000 |
| Caroline County Maryland | 11 | $ 1,654,000 | $ 150,000 | $ 83,000 |
| Cecil County Maryland | 11 | $ 1,196,000 | $ 108,000 | $ 80,000 |
| Garrett County Maryland | 11 | $ 724,000 | $ 65,000 | $ 73,000 |
| St. Mary's County Maryland | 10 | $ 1,142,000 | $ 114,000 | $ 80,000 |
| Adams County Pennsylvania | 8 | $ 1,146,000 | $ 143,000 | $ 74,000 |
| Berkeley County West Virginia | 7 | $ 819,000 | $ 117,000 | $ 63,000 |
| Franklin County Pennsylvania | 6 | $ 488,000 | $ 81,000 | $ 86,000 |
| Fairfax County Virginia | 5 | $ 1,052,000 | $ 210,000 | $ 166,000 |
| Kent County Delaware | 4 | $ 279,000 | $ 69,000 | $ 62,000 |
| Mineral County West Virginia | 4 | $ 114,000 | $ 28,000 | $ 68,000 |
| New Castle County Delaware | 3 | $ 676,000 | $ 225,000 | $ 100,000 |
| Accomack County Virginia | 2 | $ 120,000 | $ 60,000 | $ 63,000 |
| Loudoun County Virginia | 2 | $ 69,000 | $ 34,000 | $ 110,000 |
| Stafford County Virginia | 2 | $ 235,000 | $ 117,000 | $ 113,000 |
| Hampshire County West Virginia | 2 | $ 79,000 | $ 39,000 | $ 42,000 |
| Jefferson County West Virginia | 2 | $ 48,000 | $ 24,000 | $ 148,000 |
| Morgan County West Virginia | 2 | $ 355,000 | $ 177,000 | $ 47,000 |
| Preston County West Virginia | 2 | $ 115,000 | $ 57,000 | $ 121,000 |
| Pulaski County Arkansas | 1 | $ 23,000 | $ 23,000 | $ 48,000 |
| Hartford County Connecticut | 1 | $ 20,000 | $ 20,000 | $ 74,000 |
| Bedford County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Fulton County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Lancaster County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Monroe County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 58,000 |
| Somerset County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Albemarle County Virginia | 1 | $ 139,000 | $ 139,000 | $ 86,000 |
| Alexandria County Virginia | 1 | $ 51,000 | $ 51,000 | $ 56,000 |
| Arlington County Virginia | 1 | $ 79,000 | $ 79,000 | $ 49,000 |
| Hanover County Virginia | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Northampton County Virginia | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Grant County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Tucker County West Virginia | 1 | $ 228,000 | $ 228,000 | $ 209,000 |
Mortgage Loan Application Detail Totals for State Employees Credit Union Of Maryland, Incorporated in 2006
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 | 1,238 | $155,446,000 | $125,000 | $653,000 | $76,000 | $910,000 |
| Home Improvement | 772 | $38,387,000 | $49,000 | $417,000 | $71,000 | $320,000 |
| Home Purchase | 326 | $62,346,000 | $191,000 | $609,000 | $74,000 | $542,000 |
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 | 1,077 | $87,539,000 | $81,000 | $549,000 | $76,000 | $499,000 |
| White | 687 | $79,396,000 | $115,000 | $568,000 | $75,000 | $305,000 |
| Black or African American | 498 | $74,814,000 | $150,000 | $653,000 | $68,000 | $910,000 |
| Asian | 35 | $7,751,000 | $221,000 | $461,000 | $99,000 | $542,000 |
| Hispanic | 34 | $6,130,000 | $180,000 | $472,000 | $65,000 | $140,000 |
| American Indian or Alaskan Native | 4 | $354,000 | $88,000 | $152,000 | $49,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $36,000 | $36,000 |
| 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) | 2,335 | $256,114,000 | $109,000 | $653,000 | $74,000 | $910,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $58,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,344 | $130,056,000 | $96,000 | $603,000 | $75,000 | $368,000 |
| Application Withdrawn By Applicant | 489 | $58,743,000 | $120,000 | $653,000 | $79,000 | $910,000 |
| Application Denied By Financial Institution | 270 | $36,560,000 | $135,000 | $629,000 | $57,000 | $240,000 |
| File Closed For Incompleteness | 216 | $27,344,000 | $126,000 | $534,000 | $75,000 | $320,000 |
| Application Approved But Not Accepted | 17 | $3,476,000 | $204,000 | $540,000 | $75,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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 Maryland, Incorporated's 2006 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 Maryland, Incorporated'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.