State Employees Credit Union Of Maryland, Incorporated
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
State Employees Credit Union Of Maryland, Incorporated 2018 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 | 7,287 |
| Total Mortgage Loan Application Amount | $976,815,000 |
| Average Mortgage Loan Application Amount | $152,800 |
| Highest Mortgage Loan Application Amount | $12,475,000 |
| Average Applicant Income | $113,800 |
| Highest Applicant Income | $2,912,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,419 | $ 146,005,000 | $ 102,000 | $ 106,000 |
| Anne Arundel County Maryland | 1,022 | $ 123,270,000 | $ 120,000 | $ 116,000 |
| Baltimore City County Maryland | 913 | $ 75,435,000 | $ 82,000 | $ 80,000 |
| Montgomery County Maryland | 606 | $ 147,930,000 | $ 244,000 | $ 168,000 |
| Prince George's County Maryland | 533 | $ 53,865,000 | $ 101,000 | $ 98,000 |
| Howard County Maryland | 490 | $ 90,640,000 | $ 184,000 | $ 164,000 |
| Harford County Maryland | 261 | $ 31,925,000 | $ 122,000 | $ 126,000 |
| Wicomico County Maryland | 237 | $ 16,465,000 | $ 69,000 | $ 81,000 |
| Carroll County Maryland | 187 | $ 19,595,000 | $ 104,000 | $ 118,000 |
| Worcester County Maryland | 158 | $ 16,450,000 | $ 104,000 | $ 136,000 |
| Washington County Maryland | 122 | $ 10,270,000 | $ 84,000 | $ 84,000 |
| Frederick County Maryland | 111 | $ 18,075,000 | $ 162,000 | $ 127,000 |
| District of Columbia County District Of Columbia | 100 | $ 41,570,000 | $ 415,000 | $ 185,000 |
| Fairfax County Virginia | 98 | $ 42,410,000 | $ 432,000 | $ 214,000 |
| Allegany County Maryland | 89 | $ 6,135,000 | $ 68,000 | $ 77,000 |
| Queen Anne's County Maryland | 88 | $ 7,900,000 | $ 89,000 | $ 100,000 |
| Sussex County Delaware | 82 | $ 13,340,000 | $ 162,000 | $ 127,000 |
| Dorchester County Maryland | 63 | $ 3,895,000 | $ 61,000 | $ 80,000 |
| Talbot County Maryland | 61 | $ 6,065,000 | $ 99,000 | $ 98,000 |
| Caroline County Maryland | 55 | $ 3,715,000 | $ 67,000 | $ 83,000 |
| York County Pennsylvania | 54 | $ 4,350,000 | $ 80,000 | $ 98,000 |
| Calvert County Maryland | 52 | $ 5,610,000 | $ 107,000 | $ 105,000 |
| Loudoun County Virginia | 52 | $ 22,480,000 | $ 432,000 | $ 190,000 |
| Somerset County Maryland | 41 | $ 2,905,000 | $ 70,000 | $ 76,000 |
| Charles County Maryland | 31 | $ 3,095,000 | $ 99,000 | $ 98,000 |
| St. Mary's County Maryland | 30 | $ 5,130,000 | $ 171,000 | $ 112,000 |
| Berkeley County West Virginia | 30 | $ 1,830,000 | $ 61,000 | $ 83,000 |
| Garrett County Maryland | 24 | $ 3,110,000 | $ 129,000 | $ 105,000 |
| Kent County Maryland | 22 | $ 1,560,000 | $ 70,000 | $ 84,000 |
| Arlington County Virginia | 22 | $ 11,080,000 | $ 503,000 | $ 231,000 |
| Franklin County Pennsylvania | 18 | $ 1,510,000 | $ 83,000 | $ 83,000 |
| Prince William County Virginia | 17 | $ 4,395,000 | $ 258,000 | $ 148,000 |
| Alexandria County Virginia | 13 | $ 6,375,000 | $ 490,000 | $ 208,000 |
| Jefferson County West Virginia | 12 | $ 1,220,000 | $ 101,000 | $ 85,000 |
| Adams County Pennsylvania | 10 | $ 950,000 | $ 95,000 | $ 54,000 |
| Bucks County Pennsylvania | 10 | $ 3,170,000 | $ 317,000 | $ 141,000 |
| Mineral County West Virginia | 9 | $ 635,000 | $ 70,000 | $ 66,000 |
| Kent County Delaware | 8 | $ 920,000 | $ 115,000 | $ 71,000 |
| Montgomery County Pennsylvania | 8 | $ 680,000 | $ 85,000 | $ 88,000 |
| Cecil County Maryland | 7 | $ 315,000 | $ 45,000 | $ 98,000 |
| Bedford County Pennsylvania | 6 | $ 410,000 | $ 68,000 | $ 79,000 |
| Chester County Pennsylvania | 6 | $ 2,380,000 | $ 396,000 | $ 200,000 |
| New Castle County Delaware | 5 | $ 755,000 | $ 151,000 | $ 142,000 |
| Morgan County West Virginia | 5 | $ 495,000 | $ 99,000 | $ 78,000 |
| Delaware County Pennsylvania | 4 | $ 510,000 | $ 127,000 | $ 181,000 |
| Lancaster County Pennsylvania | 4 | $ 720,000 | $ 180,000 | $ 88,000 |
| Philadelphia County Pennsylvania | 4 | $ 550,000 | $ 137,000 | $ 66,000 |
| Accomack County Virginia | 4 | $ 170,000 | $ 42,000 | $ 84,000 |
| Fauquier County Virginia | 4 | $ 1,870,000 | $ 467,000 | $ 172,000 |
| San Diego County California | 3 | $ 1,095,000 | $ 365,000 | $ 154,000 |
| Allegheny County Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 114,000 |
| Fulton County Pennsylvania | 3 | $ 175,000 | $ 58,000 | $ 92,000 |
| Chesterfield County Virginia | 3 | $ 555,000 | $ 185,000 | $ 58,000 |
| Fairfax City County Virginia | 3 | $ 1,275,000 | $ 425,000 | $ 199,000 |
| Spotsylvania County Virginia | 3 | $ 725,000 | $ 241,000 | $ 78,000 |
| Virginia Beach County Virginia | 3 | $ 695,000 | $ 231,000 | $ 235,000 |
| Butler County Pennsylvania | 2 | $ 1,120,000 | $ 560,000 | $ 301,000 |
| Columbia County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 67,000 |
| Cumberland County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Culpeper County Virginia | 2 | $ 170,000 | $ 85,000 | $ 93,000 |
| Frederick County Virginia | 2 | $ 750,000 | $ 375,000 | $ 130,000 |
| King George County Virginia | 2 | $ 200,000 | $ 100,000 | $ 101,000 |
| Page County Virginia | 2 | $ 120,000 | $ 60,000 | $ 27,000 |
| Stafford County Virginia | 2 | $ 970,000 | $ 485,000 | $ 237,000 |
| Hillsborough County Florida | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Orange County Florida | 1 | $ 35,000 | $ 35,000 | $ 276,000 |
| Pinellas County Florida | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| St. Lucie County Florida | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Forsyth County Georgia | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Paulding County Georgia | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Clark County Indiana | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Jefferson County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Burlington County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 148,000 |
| Essex County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Chenango County New York | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Kings County New York | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Johnston County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Beaver County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 105,000 |
| Clearfield County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Dauphin County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Huntingdon County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Somerset County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Susquehanna County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 205,000 |
| Tioga County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 146,000 |
| Westmoreland County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Horry County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Shelby County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Harris County Texas | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Charlottesville County Virginia | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Chesapeake County Virginia | 1 | $ 305,000 | $ 305,000 | $ 442,000 |
| Grayson County Virginia | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Hampton County Virginia | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Louisa County Virginia | 1 | $ 425,000 | $ 425,000 | $ 284,000 |
| Lunenburg County Virginia | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Madison County Virginia | 1 | $ 15,000 | $ 15,000 | $ 134,000 |
| Nelson County Virginia | 1 | $ 325,000 | $ 325,000 | $ 237,000 |
| Northampton County Virginia | 1 | $ 255,000 | $ 255,000 | $ 322,000 |
| Portsmouth County Virginia | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Prince Edward County Virginia | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Roanoke County Virginia | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Warren County Virginia | 1 | $ 35,000 | $ 35,000 | $ 162,000 |
| Whatcom County Washington | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Hampshire County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Hardy County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 202,000 |
| Ohio County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Preston County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Dunn County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for State Employees Credit Union Of Maryland, Incorporated in 2018
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 | 4,046 | $361,860,000 | $89,000 | $12,475,000 | $114,000 | $2,089,000 |
| Cash-out Refinancing | 1,420 | $186,850,000 | $131,000 | $1,575,000 | $113,000 | $1,215,000 |
| Home Purchase | 1,166 | $343,340,000 | $294,000 | $2,005,000 | $137,000 | $2,912,000 |
| Refinancing | 349 | $65,965,000 | $189,000 | $1,255,000 | $111,000 | $865,000 |
| Home Improvement | 306 | $18,800,000 | $61,000 | $365,000 | $94,000 | $825,000 |
| 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 | 3,437 | $468,355,000 | $136,000 | $2,005,000 | $124,000 | $2,089,000 |
| Black or African American | 1,678 | $141,630,000 | $84,000 | $1,755,000 | $90,000 | $930,000 |
| Not Provided | 1,478 | $227,360,000 | $153,000 | $12,475,000 | $116,000 | $1,601,000 |
| Asian | 442 | $108,230,000 | $244,000 | $1,775,000 | $163,000 | $2,912,000 |
| Hispanic | 149 | $17,525,000 | $117,000 | $1,075,000 | $95,000 | $338,000 |
| American Indian or Alaskan Native | 27 | $3,305,000 | $122,000 | $575,000 | $112,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,315,000 | $119,000 | $375,000 | $114,000 | $289,000 |
| Not applicable | 5 | $2,245,000 | $449,000 | $1,025,000 | $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) | 7,109 | $943,485,000 | $132,000 | $12,475,000 | $118,000 | $2,912,000 |
| FHA-insured (Federal Housing Administration) | 178 | $33,330,000 | $187,000 | $405,000 | $64,000 | $218,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 3,614 | $605,200,000 | $167,000 | $12,475,000 | $127,000 | $2,912,000 |
| Application Denied By Financial Institution | 2,789 | $221,365,000 | $79,000 | $1,225,000 | $100,000 | $1,601,000 |
| Application Withdrawn By Applicant | 739 | $119,435,000 | $161,000 | $1,685,000 | $128,000 | $2,825,000 |
| Application Approved But Not Accepted | 81 | $15,125,000 | $186,000 | $1,445,000 | $114,000 | $586,000 |
| File Closed For Incompleteness | 64 | $15,690,000 | $245,000 | $605,000 | $106,000 | $285,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,498 | $755,450,000 | $167,000 | $12,475,000 | $127,000 | $2,912,000 |
| Credit History | 2,384 | $160,710,000 | $67,000 | $765,000 | $100,000 | $1,601,000 |
| Collateral | 191 | $20,925,000 | $109,000 | $1,165,000 | $109,000 | $400,000 |
| Debt-To-Income Ratio | 96 | $17,130,000 | $178,000 | $725,000 | $68,000 | $179,000 |
| Credit Application Incomplete | 83 | $15,365,000 | $185,000 | $515,000 | $94,000 | $250,000 |
| Unverifiable Information | 23 | $3,285,000 | $142,000 | $405,000 | $130,000 | $373,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,295,000 | $259,000 | $405,000 | $99,000 | $122,000 |
| Other | 4 | $890,000 | $222,000 | $455,000 | $100,000 | $151,000 |
| Employment History | 3 | $1,765,000 | $588,000 | $1,225,000 | $169,000 | $282,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees Credit Union Of Maryland, Incorporated's 2018 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.