State Employees Credit Union Of Maryland, Incorporated
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
State Employees Credit Union Of Maryland, Incorporated 2019 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 | 7,956 |
| Total Mortgage Loan Application Amount | $1,207,990,000 |
| Average Mortgage Loan Application Amount | $190,200 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $123,200 |
| Highest Applicant Income | $2,845,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,387 | $ 148,065,000 | $ 106,000 | $ 108,000 |
| Anne Arundel County Maryland | 1,114 | $ 154,670,000 | $ 138,000 | $ 124,000 |
| Baltimore City County Maryland | 931 | $ 69,605,000 | $ 74,000 | $ 83,000 |
| Montgomery County Maryland | 696 | $ 196,580,000 | $ 282,000 | $ 165,000 |
| Prince George's County Maryland | 626 | $ 64,690,000 | $ 103,000 | $ 112,000 |
| Howard County Maryland | 522 | $ 99,650,000 | $ 190,000 | $ 163,000 |
| Wicomico County Maryland | 308 | $ 22,830,000 | $ 74,000 | $ 85,000 |
| Harford County Maryland | 300 | $ 37,350,000 | $ 124,000 | $ 124,000 |
| Fairfax County Virginia | 217 | $ 118,255,000 | $ 544,000 | $ 212,000 |
| Carroll County Maryland | 156 | $ 17,370,000 | $ 111,000 | $ 124,000 |
| Washington County Maryland | 146 | $ 13,420,000 | $ 91,000 | $ 87,000 |
| Worcester County Maryland | 145 | $ 19,635,000 | $ 135,000 | $ 117,000 |
| District of Columbia County District Of Columbia | 140 | $ 52,850,000 | $ 377,000 | $ 196,000 |
| Frederick County Maryland | 137 | $ 24,715,000 | $ 180,000 | $ 136,000 |
| Allegany County Maryland | 118 | $ 7,220,000 | $ 61,000 | $ 76,000 |
| Queen Anne's County Maryland | 114 | $ 14,150,000 | $ 124,000 | $ 114,000 |
| Sussex County Delaware | 72 | $ 10,050,000 | $ 139,000 | $ 131,000 |
| Talbot County Maryland | 64 | $ 6,710,000 | $ 104,000 | $ 119,000 |
| Calvert County Maryland | 60 | $ 6,420,000 | $ 107,000 | $ 119,000 |
| Somerset County Maryland | 56 | $ 4,530,000 | $ 80,000 | $ 90,000 |
| Loudoun County Virginia | 56 | $ 22,490,000 | $ 401,000 | $ 179,000 |
| Caroline County Maryland | 51 | $ 4,605,000 | $ 90,000 | $ 94,000 |
| Dorchester County Maryland | 44 | $ 3,050,000 | $ 69,000 | $ 90,000 |
| Garrett County Maryland | 44 | $ 4,710,000 | $ 107,000 | $ 103,000 |
| York County Pennsylvania | 42 | $ 3,840,000 | $ 91,000 | $ 101,000 |
| Arlington County Virginia | 32 | $ 16,210,000 | $ 506,000 | $ 190,000 |
| Berkeley County West Virginia | 31 | $ 3,075,000 | $ 99,000 | $ 107,000 |
| Charles County Maryland | 28 | $ 2,920,000 | $ 104,000 | $ 94,000 |
| Philadelphia County Pennsylvania | 25 | $ 8,495,000 | $ 339,000 | $ 166,000 |
| St. Mary's County Maryland | 23 | $ 3,305,000 | $ 143,000 | $ 146,000 |
| Cecil County Maryland | 20 | $ 2,380,000 | $ 119,000 | $ 84,000 |
| Prince William County Virginia | 20 | $ 5,860,000 | $ 293,000 | $ 178,000 |
| Alexandria County Virginia | 17 | $ 5,415,000 | $ 318,000 | $ 145,000 |
| Franklin County Pennsylvania | 14 | $ 1,390,000 | $ 99,000 | $ 104,000 |
| Kent County Maryland | 11 | $ 1,545,000 | $ 140,000 | $ 147,000 |
| Adams County Pennsylvania | 10 | $ 1,040,000 | $ 104,000 | $ 81,000 |
| Bedford County Pennsylvania | 10 | $ 880,000 | $ 88,000 | $ 100,000 |
| New Castle County Delaware | 9 | $ 1,505,000 | $ 167,000 | $ 150,000 |
| Chester County Pennsylvania | 8 | $ 2,880,000 | $ 360,000 | $ 234,000 |
| Somerset County Pennsylvania | 8 | $ 710,000 | $ 88,000 | $ 93,000 |
| Mineral County West Virginia | 8 | $ 360,000 | $ 45,000 | $ 65,000 |
| Kent County Delaware | 7 | $ 735,000 | $ 105,000 | $ 107,000 |
| Montgomery County Pennsylvania | 7 | $ 2,415,000 | $ 345,000 | $ 141,000 |
| Hampshire County West Virginia | 7 | $ 825,000 | $ 117,000 | $ 55,000 |
| Chesterfield County Virginia | 5 | $ 735,000 | $ 147,000 | $ 96,000 |
| Bucks County Pennsylvania | 4 | $ 1,250,000 | $ 312,000 | $ 142,000 |
| Delaware County Pennsylvania | 4 | $ 660,000 | $ 165,000 | $ 251,000 |
| Fairfax City County Virginia | 4 | $ 2,330,000 | $ 582,000 | $ 418,000 |
| Norfolk County Virginia | 4 | $ 560,000 | $ 140,000 | $ 110,000 |
| Virginia Beach County Virginia | 4 | $ 2,160,000 | $ 540,000 | $ 354,000 |
| Morgan County West Virginia | 4 | $ 410,000 | $ 102,000 | $ 45,000 |
| Mecklenburg County North Carolina | 3 | $ 45,000 | $ 15,000 | $ 106,000 |
| Dauphin County Pennsylvania | 3 | $ 115,000 | $ 38,000 | $ 93,000 |
| Lancaster County Pennsylvania | 3 | $ 255,000 | $ 85,000 | $ 68,000 |
| Hardy County West Virginia | 3 | $ 235,000 | $ 78,000 | $ 50,000 |
| Jefferson County West Virginia | 3 | $ 195,000 | $ 65,000 | $ 81,000 |
| Pinal County Arizona | 2 | $ 40,000 | $ 20,000 | $ 87,000 |
| Lake County Florida | 2 | $ 90,000 | $ 45,000 | $ 176,000 |
| Fulton County Georgia | 2 | $ 180,000 | $ 90,000 | $ 77,000 |
| Cumberland County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 118,000 |
| Fulton County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 73,000 |
| Indiana County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Accomack County Virginia | 2 | $ 120,000 | $ 60,000 | $ 77,000 |
| Albemarle County Virginia | 2 | $ 530,000 | $ 265,000 | $ 151,000 |
| Amherst County Virginia | 2 | $ 300,000 | $ 150,000 | $ 189,000 |
| Fauquier County Virginia | 2 | $ 310,000 | $ 155,000 | $ 85,000 |
| Henrico County Virginia | 2 | $ 1,520,000 | $ 760,000 | $ 231,000 |
| Montgomery County Virginia | 2 | $ 220,000 | $ 110,000 | $ 121,000 |
| Spotsylvania County Virginia | 2 | $ 670,000 | $ 335,000 | $ 136,000 |
| Broward County Florida | 1 | $ 55,000 | $ 55,000 | $ 189,000 |
| Palm Beach County Florida | 1 | $ 375,000 | $ 375,000 | $ 82,000 |
| Polk County Florida | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Seminole County Florida | 1 | $ 25,000 | $ 25,000 | $ 554,000 |
| Sumter County Florida | 1 | $ 15,000 | $ 15,000 | $ 160,000 |
| Douglas County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Gage County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Burlington County New Jersey | 1 | $ 465,000 | $ 465,000 | $ 51,000 |
| Essex County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Middlesex County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Oswego County New York | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Westchester County New York | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Edgecombe County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Guilford County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Halifax County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 2,000 |
| Harnett County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Iredell County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| New Hanover County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Polk County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Wake County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Huntingdon County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Washington County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 195,000 |
| Horry County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Harris County Texas | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| Wise County Texas | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Culpeper County Virginia | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Falls Church County Virginia | 1 | $ 385,000 | $ 385,000 | $ 129,000 |
| Franklin County Virginia | 1 | $ 525,000 | $ 525,000 | $ 146,000 |
| Frederick County Virginia | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| Greene County Virginia | 1 | $ 335,000 | $ 335,000 | $ 158,000 |
| Hampton County Virginia | 1 | $ 55,000 | $ 55,000 | $ 213,000 |
| James City County Virginia | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| King George County Virginia | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| Lunenburg County Virginia | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| New Kent County Virginia | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Northumberland County Virginia | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Richmond County Virginia | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Richmond City County Virginia | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Roanoke County Virginia | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Shenandoah County Virginia | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Stafford County Virginia | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Greenbrier County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Nicholas County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Preston County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Tucker County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for State Employees Credit Union Of Maryland, Incorporated in 2019
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 | 4,228 | $431,340,000 | $102,000 | $1,945,000 | $118,000 | $2,845,000 |
| Cash-out Refinancing | 2,070 | $304,240,000 | $146,000 | $1,405,000 | $122,000 | $1,356,000 |
| Home Purchase | 927 | $294,315,000 | $317,000 | $2,005,000 | $139,000 | $1,019,000 |
| Refinancing | 512 | $162,800,000 | $317,000 | $2,005,000 | $142,000 | $768,000 |
| Home Improvement | 219 | $15,295,000 | $69,000 | $545,000 | $95,000 | $450,000 |
| 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 | 3,759 | $547,475,000 | $145,000 | $2,005,000 | $128,000 | $1,019,000 |
| Black or African American | 1,905 | $155,455,000 | $81,000 | $1,095,000 | $93,000 | $1,356,000 |
| Not Provided | 1,369 | $258,765,000 | $189,000 | $1,225,000 | $130,000 | $2,845,000 |
| Asian | 592 | $205,970,000 | $347,000 | $2,005,000 | $164,000 | $1,258,000 |
| Hispanic | 213 | $21,705,000 | $101,000 | $725,000 | $113,000 | $477,000 |
| American Indian or Alaskan Native | 33 | $4,085,000 | $123,000 | $585,000 | $101,000 | $555,000 |
| Not applicable | 10 | $4,730,000 | $473,000 | $1,405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,690,000 | $211,000 | $765,000 | $97,000 | $149,000 |
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) | 7,871 | $1,193,045,000 | $151,000 | $2,005,000 | $123,000 | $2,845,000 |
| FHA-insured (Federal Housing Administration) | 85 | $14,945,000 | $175,000 | $495,000 | $72,000 | $275,000 |
| 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 | 3,898 | $759,220,000 | $194,000 | $2,005,000 | $133,000 | $2,845,000 |
| Application Denied By Financial Institution | 2,944 | $252,520,000 | $85,000 | $1,105,000 | $107,000 | $1,356,000 |
| Application Withdrawn By Applicant | 986 | $175,120,000 | $177,000 | $2,005,000 | $127,000 | $1,019,000 |
| Application Approved But Not Accepted | 76 | $7,190,000 | $94,000 | $445,000 | $106,000 | $417,000 |
| File Closed For Incompleteness | 52 | $13,940,000 | $268,000 | $775,000 | $113,000 | $335,000 |
| 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 | 5,012 | $955,470,000 | $190,000 | $2,005,000 | $131,000 | $2,845,000 |
| Credit History | 845 | $64,105,000 | $75,000 | $775,000 | $106,000 | $720,000 |
| Collateral | 826 | $47,320,000 | $57,000 | $545,000 | $113,000 | $1,356,000 |
| Credit Application Incomplete | 610 | $68,550,000 | $112,000 | $645,000 | $122,000 | $600,000 |
| Debt-To-Income Ratio | 507 | $54,305,000 | $107,000 | $1,105,000 | $73,000 | $419,000 |
| Other | 102 | $9,640,000 | $94,000 | $1,105,000 | $124,000 | $572,000 |
| Unverifiable Information | 45 | $5,865,000 | $130,000 | $885,000 | $130,000 | $460,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,985,000 | $283,000 | $855,000 | $114,000 | $299,000 |
| Employment History | 2 | $750,000 | $375,000 | $645,000 | $185,000 | $277,000 |
| 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 2019 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.