State Department Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
State Department Federal Credit Union 2003 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 Department Federal Credit Union 1630 King Street Alexandria, VA 22314 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 | 1,422 |
| Total Mortgage Loan Application Amount | $277,365,000 |
| Average Mortgage Loan Application Amount | $167,693 |
| Highest Mortgage Loan Application Amount | $740,000 |
| Average Applicant Income | $89,244 |
| Highest Applicant Income | $541,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with State Department Federal Credit Union. 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 Department Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down State Department Federal Credit Union'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 Department Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by State Department Federal Credit Union, 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 Department Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 356 | $ 73,652,000 | $ 206,000 | $ 103,000 |
| Prince George's County Maryland | 158 | $ 26,127,000 | $ 165,000 | $ 88,000 |
| District of Columbia County District Of Columbia | 142 | $ 24,503,000 | $ 172,000 | $ 92,000 |
| Montgomery County Maryland | 135 | $ 27,285,000 | $ 202,000 | $ 120,000 |
| Arlington County Virginia | 118 | $ 27,269,000 | $ 231,000 | $ 120,000 |
| Alexandria County Virginia | 73 | $ 15,260,000 | $ 209,000 | $ 104,000 |
| Prince William County Virginia | 59 | $ 10,250,000 | $ 173,000 | $ 94,000 |
| Charles County Maryland | 27 | $ 5,697,000 | $ 211,000 | $ 96,000 |
| Loudoun County Virginia | 25 | $ 5,544,000 | $ 221,000 | $ 98,000 |
| Anne Arundel County Maryland | 15 | $ 2,901,000 | $ 193,000 | $ 108,000 |
| Stafford County Virginia | 15 | $ 2,922,000 | $ 194,000 | $ 104,000 |
| Miami-Dade County Florida | 14 | $ 1,758,000 | $ 125,000 | $ 88,000 |
| Falls Church County Virginia | 13 | $ 3,331,000 | $ 256,000 | $ 121,000 |
| Broward County Florida | 9 | $ 1,251,000 | $ 139,000 | $ 70,000 |
| Fairfax City County Virginia | 9 | $ 1,574,000 | $ 174,000 | $ 79,000 |
| Spotsylvania County Virginia | 9 | $ 1,561,000 | $ 173,000 | $ 92,000 |
| Howard County Maryland | 7 | $ 1,681,000 | $ 240,000 | $ 139,000 |
| Calvert County Maryland | 5 | $ 1,312,000 | $ 262,000 | $ 123,000 |
| Baltimore County Maryland | 4 | $ 334,000 | $ 83,000 | $ 50,000 |
| Union County North Carolina | 4 | $ 412,000 | $ 103,000 | $ 59,000 |
| Los Angeles County California | 3 | $ 802,000 | $ 267,000 | $ 78,000 |
| Riverside County California | 3 | $ 531,000 | $ 177,000 | $ 76,000 |
| Palm Beach County Florida | 3 | $ 618,000 | $ 206,000 | $ 24,000 |
| Frederick County Maryland | 3 | $ 688,000 | $ 229,000 | $ 85,000 |
| St. Mary's County Maryland | 3 | $ 346,000 | $ 115,000 | $ 107,000 |
| Middlesex County Massachusetts | 3 | $ 291,000 | $ 97,000 | $ 64,000 |
| Albemarle County Virginia | 3 | $ 656,000 | $ 218,000 | $ 127,000 |
| Fauquier County Virginia | 3 | $ 715,000 | $ 238,000 | $ 129,000 |
| Fredericksburg County Virginia | 3 | $ 564,000 | $ 188,000 | $ 100,000 |
| Orange County Virginia | 3 | $ 305,000 | $ 101,000 | $ 77,000 |
| Warren County Virginia | 3 | $ 401,000 | $ 133,000 | $ 65,000 |
| Berkeley County West Virginia | 3 | $ 485,000 | $ 161,000 | $ 82,000 |
| Pima County Arizona | 2 | $ 179,000 | $ 89,000 | $ 57,000 |
| Sacramento County California | 2 | $ 318,000 | $ 159,000 | $ 72,000 |
| San Diego County California | 2 | $ 794,000 | $ 397,000 | $ 168,000 |
| Fairfield County Connecticut | 2 | $ 521,000 | $ 260,000 | $ 255,000 |
| Citrus County Florida | 2 | $ 115,000 | $ 57,000 | $ 53,000 |
| Manatee County Florida | 2 | $ 435,000 | $ 217,000 | $ 96,000 |
| Marion County Florida | 2 | $ 272,000 | $ 136,000 | $ 173,000 |
| Volusia County Florida | 2 | $ 210,000 | $ 105,000 | $ 68,000 |
| Cook County Illinois | 2 | $ 293,000 | $ 146,000 | $ 119,000 |
| Cumberland County Maine | 2 | $ 334,000 | $ 167,000 | $ 65,000 |
| Baltimore City County Maryland | 2 | $ 355,000 | $ 177,000 | $ 83,000 |
| Queen Anne's County Maryland | 2 | $ 502,000 | $ 251,000 | $ 194,000 |
| Forsyth County North Carolina | 2 | $ 264,000 | $ 132,000 | $ 82,000 |
| Newport County Rhode Island | 2 | $ 349,000 | $ 174,000 | $ 137,000 |
| Beaufort County South Carolina | 2 | $ 428,000 | $ 214,000 | $ 124,000 |
| Montgomery County Virginia | 2 | $ 190,000 | $ 95,000 | $ 49,000 |
| Alameda County California | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| San Bernardino County California | 1 | $ 168,000 | $ 168,000 | $ 125,000 |
| Santa Clara County California | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| El Paso County Colorado | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Summit County Colorado | 1 | $ 106,000 | $ 106,000 | $ 88,000 |
| Teller County Colorado | 1 | $ 167,000 | $ 167,000 | $ 51,000 |
| Litchfield County Connecticut | 1 | $ 139,000 | $ 139,000 | $ 171,000 |
| New Haven County Connecticut | 1 | $ 408,000 | $ 408,000 | $ 192,000 |
| New London County Connecticut | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Brevard County Florida | 1 | $ 230,000 | $ 230,000 | $ 121,000 |
| Clay County Florida | 1 | $ 139,000 | $ 139,000 | $ 69,000 |
| Collier County Florida | 1 | $ 192,000 | $ 192,000 | $ 110,000 |
| Hernando County Florida | 1 | $ 97,000 | $ 97,000 | $ 48,000 |
| Lake County Florida | 1 | $ 68,000 | $ 68,000 | $ 49,000 |
| Lee County Florida | 1 | $ 150,000 | $ 150,000 | $ 123,000 |
| Pasco County Florida | 1 | $ 115,000 | $ 115,000 | $ 116,000 |
| Pinellas County Florida | 1 | $ 99,000 | $ 99,000 | $ 102,000 |
| Ada County Idaho | 1 | $ 78,000 | $ 78,000 | $ 47,000 |
| Lake County Illinois | 1 | $ 202,000 | $ 202,000 | $ 65,000 |
| McLean County Illinois | 1 | $ 224,000 | $ 224,000 | $ 288,000 |
| Black Hawk County Iowa | 1 | $ 121,000 | $ 121,000 | $ 91,000 |
| Woodbury County Iowa | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Campbell County Kentucky | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| East Baton Rouge County Louisiana | 1 | $ 100,000 | $ 100,000 | $ 123,000 |
| Orleans County Louisiana | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| Terrebonne County Louisiana | 1 | $ 86,000 | $ 86,000 | $ 29,000 |
| Allegany County Maryland | 1 | $ 64,000 | $ 64,000 | $ 111,000 |
| Dorchester County Maryland | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Talbot County Maryland | 1 | $ 198,000 | $ 198,000 | $ 120,000 |
| Washington County Maryland | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Worcester County Maryland | 1 | $ 137,000 | $ 137,000 | $ 207,000 |
| Barnstable County Massachusetts | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Plymouth County Massachusetts | 1 | $ 188,000 | $ 188,000 | $ 69,000 |
| Ottawa County Michigan | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| DeSoto County Mississippi | 1 | $ 132,000 | $ 132,000 | $ 95,000 |
| Pettis County Missouri | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Flathead County Montana | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Clark County Nevada | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Coos County New Hampshire | 1 | $ 59,000 | $ 59,000 | $ 82,000 |
| Santa Fe County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Buncombe County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 125,000 |
| Orange County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 73,000 |
| Transylvania County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Wake County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 37,000 |
| Warren County Ohio | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
| Lane County Oregon | 1 | $ 485,000 | $ 485,000 | $ 313,000 |
| Multnomah County Oregon | 1 | $ 238,000 | $ 238,000 | $ 40,000 |
| Lancaster County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 185,000 |
| Charleston County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Horry County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 74,000 |
| Sumter County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 73,000 |
| Carter County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 65,000 |
| Cocke County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Shelby County Tennessee | 1 | $ 131,000 | $ 131,000 | $ 53,000 |
| Rich County Utah | 1 | $ 216,000 | $ 216,000 | $ 57,000 |
| Washington County Vermont | 1 | $ 83,000 | $ 83,000 | $ 102,000 |
| Bedford County Virginia | 1 | $ 198,000 | $ 198,000 | $ 88,000 |
| Caroline County Virginia | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Charlottesville County Virginia | 1 | $ 244,000 | $ 244,000 | $ 151,000 |
| Franklin County Virginia | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Hanover County Virginia | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Henrico County Virginia | 1 | $ 60,000 | $ 60,000 | $ 74,000 |
| James City County Virginia | 1 | $ 211,000 | $ 211,000 | $ 111,000 |
| King George County Virginia | 1 | $ 172,000 | $ 172,000 | $ 93,000 |
| Louisa County Virginia | 1 | $ 162,000 | $ 162,000 | $ 138,000 |
| Manassas Park County Virginia | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Portsmouth County Virginia | 1 | $ 72,000 | $ 72,000 | $ 34,000 |
| Washington County Virginia | 1 | $ 162,000 | $ 162,000 | $ 70,000 |
| Winchester County Virginia | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Jefferson County Washington | 1 | $ 170,000 | $ 170,000 | $ 71,000 |
| King County Washington | 1 | $ 181,000 | $ 181,000 | $ 92,000 |
| Randolph County West Virginia | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Oneida County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for State Department Federal Credit Union 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) | 1,231 | $232,996,000 | $152,281 | $650,000 | $84,343 | $541,000 |
| Home Purchase (one-to-four family) | 190 | $44,029,000 | $187,750 | $740,000 | $92,187 | $330,000 |
| Home Improvement (one-to-four family) | 1 | $340,000 | $340,000 | $340,000 | $199,000 | $199,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 877 | $168,833,000 | $151,656 | $650,000 | $84,531 | $541,000 |
| White | 371 | $75,946,000 | $187,850 | $740,000 | $100,750 | $376,000 |
| Black | 124 | $22,297,000 | $196,166 | $529,000 | $104,500 | $330,000 |
| Asian or Pacific Islander | 19 | $3,585,000 | $183,600 | $323,000 | $113,200 | $263,000 |
| Hispanic | 16 | $3,171,000 | $268,500 | $585,000 | $148,000 | $315,000 |
| Other | 11 | $2,569,000 | $226,500 | $350,000 | $88,000 | $175,000 |
| American Indian or Alaskan Native | 4 | $964,000 | $252,666 | $400,000 | $90,666 | $117,000 |
| 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) | 1,422 | $277,365,000 | $156,914 | $740,000 | $88,914 | $541,000 |
| 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 | 785 | $150,045,000 | $142,708 | $650,000 | $79,666 | $541,000 |
| Application Withdrawn By Applicant | 273 | $53,541,000 | $173,250 | $600,000 | $99,625 | $416,000 |
| File Closed For Incompleteness | 242 | $49,866,000 | $156,176 | $740,000 | $84,235 | $376,000 |
| Application Denied By Financial Institution | 105 | $21,282,000 | $220,300 | $570,000 | $114,800 | $313,000 |
| Application Approved But Not Accepted | 17 | $2,631,000 | $141,571 | $323,000 | $83,142 | $182,000 |
| 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 | 5 | $891,000 | $164,333 | $280,000 | $74,000 | $115,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Department Federal Credit Union'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 Department 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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