State Department Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
State Department Federal Credit Union 2007 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 | 1,006 |
| Total Mortgage Loan Application Amount | $195,907,000 |
| Average Mortgage Loan Application Amount | $188,333 |
| Highest Mortgage Loan Application Amount | $938,000 |
| Average Applicant Income | $108,333 |
| Highest Applicant Income | $1,340,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's County Maryland | 228 | $ 43,487,000 | $ 190,000 | $ 83,000 |
| Fairfax County Virginia | 129 | $ 30,168,000 | $ 233,000 | $ 132,000 |
| District of Columbia County District Of Columbia | 109 | $ 19,356,000 | $ 177,000 | $ 81,000 |
| Montgomery County Maryland | 63 | $ 13,546,000 | $ 215,000 | $ 134,000 |
| Arlington County Virginia | 41 | $ 10,796,000 | $ 263,000 | $ 136,000 |
| Charles County Maryland | 34 | $ 9,197,000 | $ 270,000 | $ 132,000 |
| Alexandria County Virginia | 30 | $ 6,212,000 | $ 207,000 | $ 117,000 |
| Prince William County Virginia | 29 | $ 6,838,000 | $ 235,000 | $ 123,000 |
| Loudoun County Virginia | 18 | $ 4,047,000 | $ 224,000 | $ 92,000 |
| Stafford County Virginia | 12 | $ 4,296,000 | $ 358,000 | $ 145,000 |
| Howard County Maryland | 10 | $ 1,553,000 | $ 155,000 | $ 114,000 |
| Anne Arundel County Maryland | 9 | $ 1,552,000 | $ 172,000 | $ 88,000 |
| Baltimore County Maryland | 8 | $ 1,512,000 | $ 189,000 | $ 89,000 |
| Baltimore City County Maryland | 8 | $ 747,000 | $ 93,000 | $ 112,000 |
| Falls Church County Virginia | 8 | $ 2,466,000 | $ 308,000 | $ 116,000 |
| Miami-Dade County Florida | 6 | $ 1,120,000 | $ 186,000 | $ 92,000 |
| Dorchester County South Carolina | 6 | $ 1,651,000 | $ 275,000 | $ 126,000 |
| Calvert County Maryland | 5 | $ 703,000 | $ 140,000 | $ 102,000 |
| Spotsylvania County Virginia | 5 | $ 921,000 | $ 184,000 | $ 71,000 |
| Frederick County Maryland | 4 | $ 365,000 | $ 91,000 | $ 45,000 |
| St. Mary's County Maryland | 4 | $ 1,002,000 | $ 250,000 | $ 90,000 |
| Virginia Beach County Virginia | 4 | $ 682,000 | $ 170,000 | $ 105,000 |
| Los Angeles County California | 3 | $ 594,000 | $ 198,000 | $ 66,000 |
| San Diego County California | 3 | $ 452,000 | $ 150,000 | $ 113,000 |
| Hillsborough County Florida | 3 | $ 953,000 | $ 317,000 | $ 171,000 |
| Pinellas County Florida | 3 | $ 1,033,000 | $ 344,000 | $ 162,000 |
| Middlesex County Massachusetts | 3 | $ 421,000 | $ 140,000 | $ 149,000 |
| Hennepin County Minnesota | 3 | $ 770,000 | $ 256,000 | $ 190,000 |
| Belknap County New Hampshire | 3 | $ 782,000 | $ 260,000 | $ 68,000 |
| Charleston County South Carolina | 3 | $ 245,000 | $ 81,000 | $ 112,000 |
| Chesterfield County Virginia | 3 | $ 550,000 | $ 183,000 | $ 92,000 |
| Fairfax City County Virginia | 3 | $ 598,000 | $ 199,000 | $ 113,000 |
| King George County Virginia | 3 | $ 500,000 | $ 166,000 | $ 132,000 |
| Manassas County Virginia | 3 | $ 690,000 | $ 230,000 | $ 116,000 |
| Berkeley County West Virginia | 3 | $ 620,000 | $ 206,000 | $ 108,000 |
| Maricopa County Arizona | 2 | $ 153,000 | $ 76,000 | $ 58,000 |
| Pima County Arizona | 2 | $ 204,000 | $ 102,000 | $ 99,000 |
| Pinal County Arizona | 2 | $ 237,000 | $ 118,000 | $ 55,000 |
| Sacramento County California | 2 | $ 201,000 | $ 100,000 | $ 65,000 |
| Broward County Florida | 2 | $ 420,000 | $ 210,000 | $ 136,000 |
| Lake County Florida | 2 | $ 209,000 | $ 104,000 | $ 25,000 |
| Lee County Florida | 2 | $ 560,000 | $ 280,000 | $ 253,000 |
| Sarasota County Florida | 2 | $ 175,000 | $ 87,000 | $ 720,000 |
| St. Johns County Florida | 2 | $ 158,000 | $ 79,000 | $ 72,000 |
| Carroll County Georgia | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Columbia County Georgia | 2 | $ 80,000 | $ 40,000 | $ 74,000 |
| DeKalb County Georgia | 2 | $ 415,000 | $ 207,000 | $ 68,000 |
| Glynn County Georgia | 2 | $ 394,000 | $ 197,000 | $ 89,000 |
| Cook County Illinois | 2 | $ 331,000 | $ 165,000 | $ 108,000 |
| Clark County Nevada | 2 | $ 231,000 | $ 115,000 | $ 60,000 |
| Dutchess County New York | 2 | $ 100,000 | $ 50,000 | $ 72,000 |
| Mecklenburg County North Carolina | 2 | $ 135,000 | $ 67,000 | $ 119,000 |
| Pitt County North Carolina | 2 | $ 275,000 | $ 137,000 | $ 89,000 |
| Rockingham County North Carolina | 2 | $ 79,000 | $ 39,000 | $ 19,000 |
| Deschutes County Oregon | 2 | $ 334,000 | $ 167,000 | $ 67,000 |
| Berkeley County South Carolina | 2 | $ 217,000 | $ 108,000 | $ 66,000 |
| Sumter County South Carolina | 2 | $ 77,000 | $ 38,000 | $ 56,000 |
| Harris County Texas | 2 | $ 40,000 | $ 20,000 | $ 104,000 |
| Tarrant County Texas | 2 | $ 231,000 | $ 115,000 | $ 72,000 |
| Fauquier County Virginia | 2 | $ 790,000 | $ 395,000 | $ 151,000 |
| Halifax County Virginia | 2 | $ 100,000 | $ 50,000 | $ 72,000 |
| James City County Virginia | 2 | $ 665,000 | $ 332,000 | $ 119,000 |
| Manassas Park County Virginia | 2 | $ 906,000 | $ 453,000 | $ 92,000 |
| New Kent County Virginia | 2 | $ 87,000 | $ 43,000 | $ 153,000 |
| Orange County Virginia | 2 | $ 317,000 | $ 158,000 | $ 36,000 |
| King County Washington | 2 | $ 170,000 | $ 85,000 | $ 122,000 |
| Fayette County Alabama | 1 | $ 138,000 | $ 138,000 | $ 78,000 |
| Lee County Alabama | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Montgomery County Alabama | 1 | $ 50,000 | $ 50,000 | $ 109,000 |
| Perry County Alabama | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Cochise County Arizona | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Pulaski County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Kern County California | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Riverside County California | 1 | $ 75,000 | $ 75,000 | $ 171,000 |
| San Bernardino County California | 1 | $ 15,000 | $ 15,000 | $ 111,000 |
| Santa Clara County California | 1 | $ 50,000 | $ 50,000 | $ 137,000 |
| Yuba County California | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| El Paso County Colorado | 1 | $ 194,000 | $ 194,000 | $ 69,000 |
| Gunnison County Colorado | 1 | $ 105,000 | $ 105,000 | $ 320,000 |
| Pitkin County Colorado | 1 | $ 60,000 | $ 60,000 | $ 143,000 |
| Fairfield County Connecticut | 1 | $ 141,000 | $ 141,000 | $ 62,000 |
| New Haven County Connecticut | 1 | $ 30,000 | $ 30,000 | $ 783,000 |
| New London County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 108,000 |
| Windham County Connecticut | 1 | $ 260,000 | $ 260,000 | $ 78,000 |
| Kent County Delaware | 1 | $ 16,000 | $ 16,000 | $ 58,000 |
| Clay County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Collier County Florida | 1 | $ 35,000 | $ 35,000 | $ 121,000 |
| Manatee County Florida | 1 | $ 205,000 | $ 205,000 | $ 1,128,000 |
| Marion County Florida | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Palm Beach County Florida | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Pasco County Florida | 1 | $ 328,000 | $ 328,000 | $ 77,000 |
| Santa Rosa County Florida | 1 | $ 141,000 | $ 141,000 | $ 168,000 |
| Douglas County Georgia | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Fulton County Georgia | 1 | $ 208,000 | $ 208,000 | $ 47,000 |
| Liberty County Georgia | 1 | $ 60,000 | $ 60,000 | $ 104,000 |
| Richmond County Georgia | 1 | $ 173,000 | $ 173,000 | $ 76,000 |
| Orleans County Louisiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Kennebec County Maine | 1 | $ 190,000 | $ 190,000 | $ 81,000 |
| Caroline County Maryland | 1 | $ 360,000 | $ 360,000 | $ 150,000 |
| Carroll County Maryland | 1 | $ 307,000 | $ 307,000 | $ 111,000 |
| Cecil County Maryland | 1 | $ 166,000 | $ 166,000 | $ 64,000 |
| Harford County Maryland | 1 | $ 48,000 | $ 48,000 | $ 115,000 |
| Barnstable County Massachusetts | 1 | $ 260,000 | $ 260,000 | $ 113,000 |
| Berkshire County Massachusetts | 1 | $ 122,000 | $ 122,000 | $ 157,000 |
| Bristol County Massachusetts | 1 | $ 162,000 | $ 162,000 | $ 117,000 |
| Dukes County Massachusetts | 1 | $ 338,000 | $ 338,000 | $ 93,000 |
| Plymouth County Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 133,000 |
| Oakland County Michigan | 1 | $ 312,000 | $ 312,000 | $ 247,000 |
| Saginaw County Michigan | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Dakota County Minnesota | 1 | $ 212,000 | $ 212,000 | $ 56,000 |
| Harrison County Mississippi | 1 | $ 170,000 | $ 170,000 | $ 93,000 |
| Washoe County Nevada | 1 | $ 417,000 | $ 417,000 | $ 125,000 |
| Strafford County New Hampshire | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Middlesex County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Chaves County New Mexico | 1 | $ 183,000 | $ 183,000 | $ 87,000 |
| Onondaga County New York | 1 | $ 17,000 | $ 17,000 | $ 54,000 |
| Buncombe County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 66,000 |
| Cabarrus County North Carolina | 1 | $ 296,000 | $ 296,000 | $ 80,000 |
| Carteret County North Carolina | 1 | $ 408,000 | $ 408,000 | $ 187,000 |
| Catawba County North Carolina | 1 | $ 258,000 | $ 258,000 | $ 72,000 |
| Chatham County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 68,000 |
| Durham County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 44,000 |
| Guilford County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 115,000 |
| Moore County North Carolina | 1 | $ 318,000 | $ 318,000 | $ 98,000 |
| Onslow County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 196,000 |
| Union County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 114,000 |
| Wake County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Washington County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 128,000 |
| Cass County North Dakota | 1 | $ 70,000 | $ 70,000 | $ 92,000 |
| Lucas County Ohio | 1 | $ 71,000 | $ 71,000 | $ 90,000 |
| Mahoning County Ohio | 1 | $ 159,000 | $ 159,000 | $ 133,000 |
| Pike County Ohio | 1 | $ 40,000 | $ 40,000 | $ 93,000 |
| Oklahoma County Oklahoma | 1 | $ 194,000 | $ 194,000 | $ 81,000 |
| Pottawatomie County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Multnomah County Oregon | 1 | $ 347,000 | $ 347,000 | $ 153,000 |
| Dauphin County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 59,000 |
| Caguas County Puerto Rico | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Lawrence County South Dakota | 1 | $ 217,000 | $ 217,000 | $ 52,000 |
| Knox County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Sevier County Tennessee | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Bastrop County Texas | 1 | $ 120,000 | $ 120,000 | $ 175,000 |
| Comal County Texas | 1 | $ 97,000 | $ 97,000 | $ 148,000 |
| El Paso County Texas | 1 | $ 240,000 | $ 240,000 | $ 154,000 |
| Williamson County Texas | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Washington County Utah | 1 | $ 289,000 | $ 289,000 | $ 120,000 |
| Washington County Vermont | 1 | $ 451,000 | $ 451,000 | $ 173,000 |
| Appomattox County Virginia | 1 | $ 146,000 | $ 146,000 | $ 229,000 |
| Bedford City County Virginia | 1 | $ 188,000 | $ 188,000 | $ 34,000 |
| Caroline County Virginia | 1 | $ 244,000 | $ 244,000 | $ 81,000 |
| Charlottesville County Virginia | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Chesapeake County Virginia | 1 | $ 250,000 | $ 250,000 | $ 175,000 |
| Clarke County Virginia | 1 | $ 50,000 | $ 50,000 | $ 278,000 |
| Culpeper County Virginia | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Fluvanna County Virginia | 1 | $ 267,000 | $ 267,000 | $ 74,000 |
| Frederick County Virginia | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Hampton County Virginia | 1 | $ 168,000 | $ 168,000 | $ 50,000 |
| Henrico County Virginia | 1 | $ 167,000 | $ 167,000 | $ 85,000 |
| Richmond City County Virginia | 1 | $ 51,000 | $ 51,000 | $ 12,000 |
| Clark County Washington | 1 | $ 100,000 | $ 100,000 | $ 147,000 |
| Pierce County Washington | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Harrison County West Virginia | 1 | $ 138,000 | $ 138,000 | $ 72,000 |
| Jefferson County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 133,000 |
| Monongalia County West Virginia | 1 | $ 266,000 | $ 266,000 | $ 77,000 |
| Morgan County West Virginia | 1 | $ 188,000 | $ 188,000 | $ 82,000 |
| Dane County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for State Department Federal Credit Union in 2007
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 | 544 | $119,466,000 | $219,000 | $811,000 | $100,000 | $1,200,000 |
| Home Improvement | 247 | $14,410,000 | $58,000 | $353,000 | $112,000 | $1,340,000 |
| Home Purchase | 215 | $62,031,000 | $288,000 | $938,000 | $113,000 | $472,000 |
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 | 695 | $140,630,000 | $202,000 | $938,000 | $105,000 | $1,200,000 |
| White | 144 | $24,648,000 | $171,000 | $841,000 | $135,000 | $1,340,000 |
| Black or African American | 131 | $22,575,000 | $172,000 | $564,000 | $82,000 | $241,000 |
| Asian | 16 | $4,500,000 | $281,000 | $672,000 | $108,000 | $266,000 |
| Hispanic | 13 | $2,479,000 | $190,000 | $563,000 | $102,000 | $187,000 |
| American Indian or Alaskan Native | 5 | $838,000 | $167,000 | $331,000 | $58,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $237,000 | $118,000 | $132,000 | $55,000 | $56,000 |
| 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) | 1,006 | $195,907,000 | $194,000 | $938,000 | $106,000 | $1,340,000 |
| 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 | 446 | $67,277,000 | $150,000 | $647,000 | $114,000 | $1,340,000 |
| Application Withdrawn By Applicant | 223 | $61,635,000 | $276,000 | $850,000 | $106,000 | $512,000 |
| Application Denied By Financial Institution | 171 | $34,398,000 | $201,000 | $938,000 | $78,000 | $320,000 |
| File Closed For Incompleteness | 153 | $29,232,000 | $191,000 | $672,000 | $110,000 | $1,200,000 |
| Application Approved But Not Accepted | 13 | $3,365,000 | $258,000 | $545,000 | $113,000 | $247,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 74 | $15,317,000 | $206,000 | $720,000 | $80,000 | $276,000 |
| Collateral | 29 | $3,342,000 | $115,000 | $500,000 | $38,000 | $193,000 |
| Credit History | 25 | $7,572,000 | $302,000 | $605,000 | $107,000 | $320,000 |
| Other | 10 | $4,518,000 | $451,000 | $841,000 | $149,000 | $258,000 |
| Unverifiable Information | 5 | $219,000 | $43,000 | $80,000 | $0 | $0 |
| Credit Application Incomplete | 3 | $569,000 | $189,000 | $314,000 | $37,000 | $62,000 |
| Employment History | 3 | $1,665,000 | $555,000 | $938,000 | $131,000 | $188,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Department Federal Credit Union's 2007 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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