State Departmenet Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, State Departmenet Federal Credit Union of Alexandria, VA reported 1,337 mortgage applications totaling $258.0 million, down 9% from 2022. The average application was for $193,002, and applicants reported an average income of $191,624. 56% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (452), Baltimore-Columbia-Towson, MD (55) and Washington-Baltimore-Arlington, DC (51) (applications in parentheses).
| Mortgage Company & Address | State Departmenet Federal Credit Union 1630 King Street Alexandria, VA 22314 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 1,337 |
| Total Mortgage Loan Application Amount | $258,045,000 |
| Average Mortgage Loan Application Amount | $193,002 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $191,624 |
| Highest Applicant Income | $2,066,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Departmenet Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 452 | $ 87,230,000 | $ 192,986 | $ 174,008 |
| Baltimore-Columbia-Towson, MD | 55 | $ 9,285,000 | $ 168,818 | $ 172,000 |
| Outside any metro area | 52 | $ 9,070,000 | $ 174,423 | $ 151,634 |
| Washington-Baltimore-Arlington, DC | 51 | $ 9,345,000 | $ 183,235 | $ 197,000 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 5,690,000 | $ 203,214 | $ 242,000 |
| Chicago-Naperville, IL | 27 | $ 4,445,000 | $ 164,629 | $ 218,000 |
| New York-Jersey City-White Plains, NY-NJ | 26 | $ 8,170,000 | $ 314,230 | $ 255,884 |
| Atlanta-Sandy Springs-Roswell, GA | 22 | $ 3,900,000 | $ 177,272 | $ 276,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 4,255,000 | $ 223,947 | $ 268,000 |
| Cambridge-Newton-Framingham, MA | 17 | $ 4,465,000 | $ 262,647 | $ 293,000 |
| Richmond, VA | 17 | $ 2,085,000 | $ 122,647 | $ 162,000 |
| Boston, MA | 15 | $ 3,645,000 | $ 243,000 | $ 302,000 |
| Charleston-North Charleston, SC | 15 | $ 2,875,000 | $ 191,666 | $ 125,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 2,805,000 | $ 187,000 | $ 168,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 1,790,000 | $ 127,857 | $ 167,000 |
| Nassau County-Suffolk County, NY | 13 | $ 3,955,000 | $ 304,230 | $ 477,000 |
| New York-Newark, NY | 12 | $ 2,450,000 | $ 204,166 | $ 255,250 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 1,900,000 | $ 158,333 | $ 203,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 2,225,000 | $ 202,272 | $ 161,454 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 2,150,000 | $ 215,000 | $ 193,500 |
| Newark, NJ-PA | 10 | $ 1,890,000 | $ 189,000 | $ 247,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 825,000 | $ 91,666 | $ 181,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 1,705,000 | $ 189,444 | $ 212,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 2,335,000 | $ 259,444 | $ 287,000 |
| Philadelphia, PA | 9 | $ 2,045,000 | $ 227,222 | $ 201,000 |
| Rochester, NY | 9 | $ 1,565,000 | $ 173,888 | $ 219,000 |
| Rockingham County-Strafford County, NH | 9 | $ 1,735,000 | $ 192,777 | $ 231,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,070,000 | $ 258,750 | $ 170,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 1,350,000 | $ 168,750 | $ 137,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 1,860,000 | $ 232,500 | $ 231,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,510,000 | $ 188,750 | $ 142,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 1,820,000 | $ 227,500 | $ 179,000 |
| Salisbury, MD-DE | 8 | $ 2,440,000 | $ 305,000 | $ 225,625 |
| San Diego-Carlsbad, CA | 8 | $ 2,600,000 | $ 325,000 | $ 153,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 2,070,000 | $ 258,750 | $ 333,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 1,845,000 | $ 263,571 | $ 267,000 |
| Raleigh, NC | 7 | $ 1,155,000 | $ 165,000 | $ 158,000 |
| Jacksonville, FL | 6 | $ 880,000 | $ 146,666 | $ 110,000 |
| Lancaster, PA | 6 | $ 720,000 | $ 120,000 | $ 107,000 |
| Memphis, TN-MS-AR | 6 | $ 800,000 | $ 133,333 | $ 108,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 930,000 | $ 155,000 | $ 239,000 |
| New Orleans-Metairie, LA | 6 | $ 520,000 | $ 86,666 | $ 126,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,480,000 | $ 246,666 | $ 161,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,600,000 | $ 266,666 | $ 270,000 |
| Worcester, MA-CT | 6 | $ 1,330,000 | $ 221,666 | $ 161,000 |
| Cleveland-Elyria, OH | 5 | $ 815,000 | $ 163,000 | $ 134,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 655,000 | $ 131,000 | $ 137,000 |
| Pittsburgh, PA | 5 | $ 1,155,000 | $ 231,000 | $ 184,000 |
| Provo-Orem, UT | 5 | $ 1,145,000 | $ 229,000 | $ 356,000 |
| St. Louis, MO-IL | 5 | $ 555,000 | $ 111,000 | $ 181,600 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 555,000 | $ 111,000 | $ 181,000 |
| Asheville, NC | 4 | $ 1,060,000 | $ 265,000 | $ 125,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,170,000 | $ 292,500 | $ 293,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 1,010,000 | $ 252,500 | $ 271,000 |
| Cincinnati, OH-KY-IN | 4 | $ 330,000 | $ 82,500 | $ 82,500 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 460,000 | $ 115,000 | $ 108,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,170,000 | $ 292,500 | $ 149,000 |
| Gainesville, FL | 4 | $ 380,000 | $ 95,000 | $ 131,000 |
| Gary, IN | 4 | $ 270,000 | $ 67,500 | $ 120,000 |
| Greensboro-High Point, NC | 4 | $ 670,000 | $ 167,500 | $ 165,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 560,000 | $ 140,000 | $ 270,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 740,000 | $ 185,000 | $ 526,000 |
| Lakeland-Winter Haven, FL | 4 | $ 500,000 | $ 125,000 | $ 109,000 |
| Portland-South Portland, ME | 4 | $ 1,010,000 | $ 252,500 | $ 271,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 1,390,000 | $ 347,500 | $ 243,000 |
| Tacoma-Lakewood, WA | 4 | $ 720,000 | $ 180,000 | $ 130,000 |
| Tulsa, OK | 4 | $ 1,300,000 | $ 325,000 | $ 172,000 |
| Urban Honolulu, HI | 4 | $ 2,010,000 | $ 502,500 | $ 195,000 |
| Wilmington, NC | 4 | $ 870,000 | $ 217,500 | $ 149,000 |
| Winchester, VA-WV | 4 | $ 1,330,000 | $ 332,500 | $ 183,000 |
| California-Lexington Park, MD | 3 | $ 195,000 | $ 65,000 | $ 146,000 |
| Camden, NJ | 3 | $ 595,000 | $ 198,333 | $ 191,000 |
| Colorado Springs, CO | 3 | $ 615,000 | $ 205,000 | $ 183,000 |
| Columbus, OH | 3 | $ 385,000 | $ 128,333 | $ 164,000 |
| Dallas-Plano-Irving, TX | 3 | $ 505,000 | $ 168,333 | $ 188,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 275,000 | $ 91,666 | $ 194,000 |
| Erie, PA | 3 | $ 105,000 | $ 35,000 | $ 144,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 635,000 | $ 211,666 | $ 159,000 |
| Kansas City, MO-KS | 3 | $ 765,000 | $ 255,000 | $ 343,666 |
| Lexington-Fayette, KY | 3 | $ 515,000 | $ 171,666 | $ 48,000 |
| New Haven-Milford, CT | 3 | $ 565,000 | $ 188,333 | $ 218,000 |
| Peoria, IL | 3 | $ 155,000 | $ 51,666 | $ 96,000 |
| Providence-Warwick, RI-MA | 3 | $ 225,000 | $ 75,000 | $ 97,000 |
| Tucson, AZ | 3 | $ 275,000 | $ 91,666 | $ 126,000 |
| Wilmington, DE-MD-NJ | 3 | $ 445,000 | $ 148,333 | $ 149,000 |
| Akron, OH | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 410,000 | $ 205,000 | $ 239,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 270,000 | $ 135,000 | $ 366,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 220,000 | $ 110,000 | $ 202,000 |
| Birmingham-Hoover, AL | 2 | $ 190,000 | $ 95,000 | $ 150,000 |
| Burlington-South Burlington, VT | 2 | $ 340,000 | $ 170,000 | $ 288,000 |
| Charlottesville, VA | 2 | $ 750,000 | $ 375,000 | $ 309,000 |
| Columbia, SC | 2 | $ 190,000 | $ 95,000 | $ 55,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 860,000 | $ 430,000 | $ 376,000 |
| Fresno, CA | 2 | $ 230,000 | $ 115,000 | $ 167,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 670,000 | $ 335,000 | $ 111,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 580,000 | $ 290,000 | $ 237,000 |
| Macon-Bibb County, GA | 2 | $ 110,000 | $ 55,000 | $ 79,000 |
| Madison, WI | 2 | $ 290,000 | $ 145,000 | $ 207,000 |
| Manchester-Nashua, NH | 2 | $ 680,000 | $ 340,000 | $ 304,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 560,000 | $ 280,000 | $ 232,000 |
| Olympia-Tumwater, WA | 2 | $ 280,000 | $ 140,000 | $ 135,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 320,000 | $ 160,000 | $ 137,000 |
| Port St. Lucie, FL | 2 | $ 370,000 | $ 185,000 | $ 113,000 |
| Punta Gorda, FL | 2 | $ 350,000 | $ 175,000 | $ 152,000 |
| Shreveport-Bossier City, LA | 2 | $ 110,000 | $ 55,000 | $ 117,000 |
| Springfield, MA | 2 | $ 410,000 | $ 205,000 | $ 204,000 |
| Syracuse, NY | 2 | $ 130,000 | $ 65,000 | $ 144,000 |
| Vallejo-Fairfield, CA | 2 | $ 210,000 | $ 105,000 | $ 104,000 |
| Anchorage, AK | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Baton Rouge, LA | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Bellingham, WA | 1 | $ 75,000 | $ 75,000 | $ 350,000 |
| Bend-Redmond, OR | 1 | $ 385,000 | $ 385,000 | $ 183,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 15,000 | $ 15,000 | $ 51,000 |
| Boise City, ID | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Chattanooga, TN-GA | 1 | $ 235,000 | $ 235,000 | $ 246,000 |
| Chico, CA | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Columbia, MO | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Corvallis, OR | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 205,000 | $ 205,000 | $ 186,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 115,000 | $ 115,000 | $ 183,000 |
| Dover, DE | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Elgin, IL | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Fayetteville, NC | 1 | $ 65,000 | $ 65,000 | $ 148,000 |
| Flagstaff, AZ | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Fort Collins, CO | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Goldsboro, NC | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Greenville, NC | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Huntsville, AL | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Ithaca, NY | 1 | $ 215,000 | $ 215,000 | $ 128,000 |
| Johnson City, TN | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 345,000 | $ 345,000 | $ 387,000 |
| Killeen-Temple, TX | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 185,000 | $ 185,000 | $ 334,000 |
| Kingston, NY | 1 | $ 195,000 | $ 195,000 | $ 248,000 |
| Knoxville, TN | 1 | $ 295,000 | $ 295,000 | $ 112,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 85,000 | $ 85,000 | $ 225,000 |
| Lansing-East Lansing, MI | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Lebanon, PA | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Lewiston-Auburn, ME | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Lynchburg, VA | 1 | $ 55,000 | $ 55,000 | $ 246,000 |
| Medford, OR | 1 | $ 115,000 | $ 115,000 | $ 172,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 235,000 | $ 235,000 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 265,000 | $ 265,000 | $ 312,000 |
| Montgomery, AL | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Niles-Benton Harbor, MI | 1 | $ 155,000 | $ 155,000 | $ 242,000 |
| Ogden-Clearfield, UT | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 245,000 | $ 245,000 | $ 225,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Reading, PA | 1 | $ 335,000 | $ 335,000 | $ 108,000 |
| Reno, NV | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Roanoke, VA | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Salem, OR | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Salt Lake City, UT | 1 | $ 215,000 | $ 215,000 | $ 200,000 |
| San Antonio-New Braunfels, TX | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 205,000 | $ 205,000 | $ 387,000 |
| Santa Fe, NM | 1 | $ 265,000 | $ 265,000 | $ 349,000 |
| Santa Rosa, CA | 1 | $ 615,000 | $ 615,000 | $ 372,000 |
| Savannah, GA | 1 | $ 325,000 | $ 325,000 | $ 240,000 |
| Sebastian-Vero Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 204,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 235,000 | $ 235,000 | $ 197,000 |
| Tallahassee, FL | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Vineland-Bridgeton, NJ | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 285,000 | $ 285,000 | $ 178,000 |
| Wheeling, WV-OH | 1 | $ 55,000 | $ 55,000 | $ 239,000 |
| Wichita, KS | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Winston-Salem, NC | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Yakima, WA | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| York-Hanover, PA | 1 | $ 135,000 | $ 135,000 | $ 193,000 |
Mortgage Loan Application Detail Totals for State Departmenet Federal Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 753 | $127,575,000 | $169,000 | $505,000 | $210,000 | $2,066,000 |
| Other Purpose | 321 | $39,075,000 | $121,000 | $505,000 | $160,000 | $1,090,000 |
| Home Purchase | 161 | $66,505,000 | $413,000 | $1,365,000 | $190,000 | $994,000 |
| Refinancing | 72 | $17,150,000 | $238,000 | $1,065,000 | $171,000 | $485,000 |
| Cash-out Refinancing | 30 | $7,740,000 | $258,000 | $875,000 | $127,000 | $306,000 |
| 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 | 587 | $126,505,000 | $215,000 | $1,365,000 | $212,000 | $1,470,000 |
| Not Provided | 336 | $65,860,000 | $196,000 | $1,005,000 | $191,000 | $2,066,000 |
| Black or African American | 228 | $28,210,000 | $123,000 | $625,000 | $139,000 | $508,000 |
| Hispanic | 95 | $14,785,000 | $155,000 | $695,000 | $167,000 | $400,000 |
| Asian | 59 | $16,135,000 | $273,000 | $1,065,000 | $225,000 | $1,090,000 |
| American Indian or Alaskan Native | 11 | $2,105,000 | $191,000 | $515,000 | $164,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $119,000 | $119,000 |
| 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) | 1,337 | $258,045,000 | $193,000 | $1,365,000 | $192,000 | $2,066,000 |
| 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 | 752 | $155,970,000 | $207,000 | $1,365,000 | $210,000 | $2,066,000 |
| Application Denied By Financial Institution | 405 | $62,405,000 | $154,000 | $975,000 | $165,000 | $1,090,000 |
| Application Withdrawn By Applicant | 172 | $36,640,000 | $213,000 | $1,065,000 | $175,000 | $502,000 |
| File Closed For Incompleteness | 8 | $3,030,000 | $378,000 | $715,000 | $163,000 | $300,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 932 | $195,640,000 | $209,000 | $1,365,000 | $203,000 | $2,066,000 |
| Credit History | 117 | $12,235,000 | $104,000 | $505,000 | $138,000 | $744,000 |
| Debt-To-Income Ratio | 91 | $16,535,000 | $181,000 | $975,000 | $114,000 | $330,000 |
| Other | 71 | $12,055,000 | $169,000 | $505,000 | $236,000 | $1,090,000 |
| Collateral | 57 | $11,525,000 | $202,000 | $895,000 | $178,000 | $682,000 |
| Employment History | 49 | $7,575,000 | $154,000 | $505,000 | $219,000 | $984,000 |
| Unverifiable Information | 13 | $1,915,000 | $147,000 | $425,000 | $147,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $565,000 | $80,000 | $205,000 | $93,000 | $150,000 |
| Mortgage Insurance Denied | 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 Departmenet Federal Credit Union's 2023 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 Departmenet 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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