State Departmenet Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, State Departmenet Federal Credit Union of Alexandria, VA reported 1,554 mortgage applications totaling $311.2 million, up 16% from 2023. The average application was for $200,283, and applicants reported an average income of $203,271. 54% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (246), Washington, DC-MD (218) and Washington-Baltimore-Arlington, DC (63) (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 | 1,554 |
| Total Mortgage Loan Application Amount | $311,240,000 |
| Average Mortgage Loan Application Amount | $200,283 |
| Highest Mortgage Loan Application Amount | $1,795,000 |
| Average Applicant Income | $203,271 |
| Highest Applicant Income | $2,686,000 |
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State Departmenet Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Arlington-Alexandria-Reston, VA-WV | 246 | $ 54,660,000 | $ 222,195 | $ 194,975 |
| Washington, DC-MD | 218 | $ 31,220,000 | $ 143,211 | $ 147,371 |
| Outside any metro area | 76 | $ 12,290,000 | $ 161,710 | $ 181,105 |
| Washington-Baltimore-Arlington, DC | 63 | $ 14,825,000 | $ 235,317 | $ 222,000 |
| Baltimore-Columbia-Towson, MD | 55 | $ 7,775,000 | $ 141,363 | $ 172,000 |
| Los Angeles-Long Beach-Glendale, CA | 54 | $ 14,360,000 | $ 265,925 | $ 259,000 |
| Chicago-Naperville, IL | 33 | $ 6,575,000 | $ 199,242 | $ 260,000 |
| Riverside-San Bernardino-Ontario, CA | 33 | $ 6,195,000 | $ 187,727 | $ 194,000 |
| Atlanta-Sandy Springs-Roswell, GA | 29 | $ 7,115,000 | $ 245,344 | $ 219,000 |
| Oakland-Hayward-Berkeley, CA | 23 | $ 6,545,000 | $ 284,565 | $ 298,000 |
| San Diego-Carlsbad, CA | 23 | $ 8,255,000 | $ 358,913 | $ 266,000 |
| Richmond, VA | 21 | $ 3,495,000 | $ 166,428 | $ 142,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 6,575,000 | $ 346,052 | $ 342,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 5,170,000 | $ 287,222 | $ 289,000 |
| New York-Jersey City-White Plains, NY-NJ | 18 | $ 4,420,000 | $ 245,555 | $ 310,000 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 5,285,000 | $ 310,882 | $ 282,000 |
| Charleston-North Charleston, SC | 16 | $ 2,680,000 | $ 167,500 | $ 163,000 |
| Newark, NJ-PA | 16 | $ 3,950,000 | $ 246,875 | $ 287,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 16 | $ 2,720,000 | $ 170,000 | $ 204,000 |
| Lakewood-New Brunswick, NJ | 14 | $ 2,170,000 | $ 155,000 | $ 196,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 1,965,000 | $ 151,153 | $ 267,000 |
| Montgomery County-Bucks County-Chester County, PA | 12 | $ 3,140,000 | $ 261,666 | $ 173,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 4,580,000 | $ 381,666 | $ 405,000 |
| Tampa, FL | 12 | $ 2,060,000 | $ 171,666 | $ 163,000 |
| Pittsburgh, PA | 11 | $ 1,605,000 | $ 145,909 | $ 172,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 1,370,000 | $ 137,000 | $ 261,400 |
| Boston, MA | 9 | $ 2,135,000 | $ 237,222 | $ 259,000 |
| Camden, NJ | 9 | $ 2,955,000 | $ 328,333 | $ 207,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,675,000 | $ 186,111 | $ 207,000 |
| Philadelphia, PA | 9 | $ 2,085,000 | $ 231,666 | $ 231,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,445,000 | $ 160,555 | $ 188,000 |
| Raleigh, NC | 9 | $ 2,715,000 | $ 301,666 | $ 198,000 |
| Stockton-Lodi, CA | 9 | $ 1,855,000 | $ 206,111 | $ 175,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 1,820,000 | $ 227,500 | $ 230,000 |
| Cleveland, OH | 8 | $ 1,080,000 | $ 135,000 | $ 172,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 1,730,000 | $ 216,250 | $ 184,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,010,000 | $ 126,250 | $ 133,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 680,000 | $ 85,000 | $ 163,000 |
| Nassau County-Suffolk County, NY | 8 | $ 3,450,000 | $ 431,250 | $ 418,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,020,000 | $ 252,500 | $ 157,000 |
| Providence-Warwick, RI-MA | 8 | $ 1,200,000 | $ 150,000 | $ 172,375 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 3,030,000 | $ 378,750 | $ 338,000 |
| Columbus, OH | 7 | $ 1,045,000 | $ 149,285 | $ 178,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,145,000 | $ 163,571 | $ 164,000 |
| Jacksonville, FL | 7 | $ 2,865,000 | $ 409,285 | $ 156,000 |
| Lexington Park, MD | 7 | $ 805,000 | $ 115,000 | $ 175,000 |
| St. Louis, MO-IL | 7 | $ 1,035,000 | $ 147,857 | $ 125,714 |
| St. Petersburg-Clearwater-Largo, FL | 7 | $ 1,065,000 | $ 152,142 | $ 161,000 |
| Staunton-Waynesboro, VA | 7 | $ 445,000 | $ 63,571 | $ 161,000 |
| Winston-Salem, NC | 7 | $ 965,000 | $ 137,857 | $ 133,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,830,000 | $ 305,000 | $ 381,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,050,000 | $ 175,000 | $ 172,500 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 1,470,000 | $ 245,000 | $ 129,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 395,000 | $ 79,000 | $ 139,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,355,000 | $ 271,000 | $ 200,000 |
| Spartanburg, SC | 5 | $ 405,000 | $ 81,000 | $ 150,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,245,000 | $ 249,000 | $ 283,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 680,000 | $ 170,000 | $ 180,500 |
| Bakersfield, CA | 4 | $ 850,000 | $ 212,500 | $ 381,000 |
| Cincinnati, OH-KY-IN | 4 | $ 400,000 | $ 100,000 | $ 190,000 |
| Dallas-Plano-Irving, TX | 4 | $ 430,000 | $ 107,500 | $ 190,000 |
| Harrisburg-Carlisle, PA | 4 | $ 400,000 | $ 100,000 | $ 160,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 840,000 | $ 210,000 | $ 212,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 690,000 | $ 172,500 | $ 150,000 |
| Kansas City, MO-KS | 4 | $ 930,000 | $ 232,500 | $ 207,500 |
| Lancaster, PA | 4 | $ 620,000 | $ 155,000 | $ 124,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,320,000 | $ 330,000 | $ 410,000 |
| Portland-South Portland, ME | 4 | $ 700,000 | $ 175,000 | $ 753,000 |
| San Rafael, CA | 4 | $ 1,420,000 | $ 355,000 | $ 635,000 |
| Wilmington, NC | 4 | $ 1,020,000 | $ 255,000 | $ 257,000 |
| Albuquerque, NM | 3 | $ 575,000 | $ 191,666 | $ 168,000 |
| Ann Arbor, MI | 3 | $ 675,000 | $ 225,000 | $ 212,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 485,000 | $ 161,666 | $ 129,000 |
| Des Moines-West Des Moines, IA | 3 | $ 655,000 | $ 218,333 | $ 136,000 |
| Elgin, IL | 3 | $ 515,000 | $ 171,666 | $ 254,000 |
| Fresno, CA | 3 | $ 445,000 | $ 148,333 | $ 293,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 785,000 | $ 261,666 | $ 256,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 675,000 | $ 225,000 | $ 92,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 155,000 | $ 51,666 | $ 140,000 |
| Knoxville, TN | 3 | $ 255,000 | $ 85,000 | $ 78,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 645,000 | $ 215,000 | $ 201,000 |
| Marietta, GA | 3 | $ 355,000 | $ 118,333 | $ 149,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 265,000 | $ 88,333 | $ 185,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 835,000 | $ 278,333 | $ 310,000 |
| Rockingham County-Strafford County, NH | 3 | $ 675,000 | $ 225,000 | $ 223,000 |
| Santa Fe, NM | 3 | $ 1,325,000 | $ 441,666 | $ 141,000 |
| Trenton, NJ | 3 | $ 435,000 | $ 145,000 | $ 214,000 |
| Tucson, AZ | 3 | $ 365,000 | $ 121,666 | $ 197,000 |
| Wilmington, DE-MD-NJ | 3 | $ 525,000 | $ 175,000 | $ 159,000 |
| Akron, OH | 2 | $ 140,000 | $ 70,000 | $ 118,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 310,000 | $ 155,000 | $ 197,000 |
| Anchorage, AK | 2 | $ 570,000 | $ 285,000 | $ 396,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 450,000 | $ 225,000 | $ 193,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 300,000 | $ 150,000 | $ 171,000 |
| Austin-Round Rock, TX | 2 | $ 430,000 | $ 215,000 | $ 163,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 410,000 | $ 205,000 | $ 255,000 |
| Charlottesville, VA | 2 | $ 410,000 | $ 205,000 | $ 295,000 |
| Columbia, SC | 2 | $ 340,000 | $ 170,000 | $ 102,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 350,000 | $ 175,000 | $ 220,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 630,000 | $ 315,000 | $ 149,000 |
| Everett, WA | 2 | $ 860,000 | $ 430,000 | $ 309,000 |
| Grants Pass, OR | 2 | $ 320,000 | $ 160,000 | $ 124,000 |
| Helena, MT | 2 | $ 260,000 | $ 130,000 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 300,000 | $ 150,000 | $ 148,000 |
| Lakeland-Winter Haven, FL | 2 | $ 240,000 | $ 120,000 | $ 144,000 |
| Lexington-Fayette, KY | 2 | $ 760,000 | $ 380,000 | $ 250,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 200,000 | $ 100,000 | $ 167,000 |
| Macon-Bibb County, GA | 2 | $ 200,000 | $ 100,000 | $ 211,000 |
| Medford, OR | 2 | $ 200,000 | $ 100,000 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 130,000 | $ 65,000 | $ 85,000 |
| Oklahoma City, OK | 2 | $ 450,000 | $ 225,000 | $ 159,000 |
| Panama City, FL | 2 | $ 240,000 | $ 120,000 | $ 147,000 |
| Port St. Lucie, FL | 2 | $ 360,000 | $ 180,000 | $ 293,000 |
| Provo-Orem, UT | 2 | $ 110,000 | $ 55,000 | $ 127,000 |
| Reading, PA | 2 | $ 60,000 | $ 30,000 | $ 89,000 |
| Rockford, IL | 2 | $ 270,000 | $ 135,000 | $ 533,000 |
| Salem, OR | 2 | $ 620,000 | $ 310,000 | $ 158,000 |
| Salinas, CA | 2 | $ 510,000 | $ 255,000 | $ 227,000 |
| Salisbury, MD-DE | 2 | $ 120,000 | $ 60,000 | $ 54,000 |
| Salt Lake City, UT | 2 | $ 280,000 | $ 140,000 | $ 170,000 |
| San Antonio-New Braunfels, TX | 2 | $ 300,000 | $ 150,000 | $ 177,000 |
| Slidell-Mandeville-Covington, LA | 2 | $ 160,000 | $ 80,000 | $ 102,000 |
| Springfield, IL | 2 | $ 230,000 | $ 115,000 | $ 247,000 |
| Springfield, MO | 2 | $ 90,000 | $ 45,000 | $ 99,000 |
| St. George, UT | 2 | $ 290,000 | $ 145,000 | $ 224,000 |
| Tacoma-Lakewood, WA | 2 | $ 660,000 | $ 330,000 | $ 217,000 |
| Toledo, OH | 2 | $ 460,000 | $ 230,000 | $ 211,000 |
| Waterbury-Shelton, CT | 2 | $ 230,000 | $ 115,000 | $ 222,000 |
| Wildwood-The Villages, FL | 2 | $ 300,000 | $ 150,000 | $ 96,000 |
| Winchester, VA-WV | 2 | $ 130,000 | $ 65,000 | $ 130,000 |
| Alexandria, LA | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Asheville, NC | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Auburn-Opelika, AL | 1 | $ 45,000 | $ 45,000 | $ 185,000 |
| Beaumont-Port Arthur, TX | 1 | $ 425,000 | $ 425,000 | $ 187,000 |
| Birmingham-Hoover, AL | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 345,000 | $ 345,000 | $ 260,000 |
| Boise City, ID | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Bremerton-Silverdale, WA | 1 | $ 85,000 | $ 85,000 | $ 163,000 |
| Canton-Massillon, OH | 1 | $ 65,000 | $ 65,000 | $ 157,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 195,000 | $ 195,000 | $ 132,000 |
| Champaign-Urbana, IL | 1 | $ 275,000 | $ 275,000 | $ 387,000 |
| Colorado Springs, CO | 1 | $ 395,000 | $ 395,000 | $ 243,000 |
| Decatur, AL | 1 | $ 105,000 | $ 105,000 | $ 317,000 |
| Dover, DE | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Elmira, NY | 1 | $ 175,000 | $ 175,000 | $ 208,000 |
| Erie, PA | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Fayetteville, NC | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Fort Collins, CO | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Fort Wayne, IN | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Fort Worth-Arlington, TX | 1 | $ 215,000 | $ 215,000 | $ 117,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Hinesville, GA | 1 | $ 75,000 | $ 75,000 | $ 152,000 |
| Homosassa Springs, FL | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Huntsville, AL | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Johnson City, TN | 1 | $ 205,000 | $ 205,000 | $ 175,000 |
| Lafayette, LA | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Lafayette-West Lafayette, IN | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Lansing-East Lansing, MI | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Memphis, TN-MS-AR | 1 | $ 125,000 | $ 125,000 | $ 317,000 |
| Midland, MI | 1 | $ 155,000 | $ 155,000 | $ 369,000 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 240,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 15,000 | $ 15,000 | $ 172,000 |
| New Haven-Milford, CT | 1 | $ 125,000 | $ 125,000 | $ 170,000 |
| Olympia-Tumwater, WA | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 95,000 | $ 95,000 | $ 166,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 55,000 | $ 55,000 | $ 178,000 |
| Punta Gorda, FL | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Roanoke, VA | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Rome, GA | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Santa Rosa, CA | 1 | $ 135,000 | $ 135,000 | $ 228,000 |
| Shreveport-Bossier City, LA | 1 | $ 135,000 | $ 135,000 | $ 173,000 |
| Spokane-Spokane Valley, WA | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Springfield, MA | 1 | $ 275,000 | $ 275,000 | $ 171,000 |
| Syracuse, NY | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Tallahassee, FL | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Vallejo-Fairfield, CA | 1 | $ 205,000 | $ 205,000 | $ 173,000 |
| Visalia-Porterville, CA | 1 | $ 125,000 | $ 125,000 | $ 325,000 |
| Wenatchee, WA | 1 | $ 255,000 | $ 255,000 | $ 227,000 |
| Worcester, MA-CT | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Yuba City, CA | 1 | $ 155,000 | $ 155,000 | $ 195,000 |
Mortgage Loan Application Detail Totals for State Departmenet Federal Credit Union in 2024
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 | 887 | $164,145,000 | $185,000 | $545,000 | $224,000 | $2,686,000 |
| Other Purpose | 420 | $57,870,000 | $137,000 | $505,000 | $158,000 | $1,095,000 |
| Home Purchase | 152 | $62,900,000 | $413,000 | $1,795,000 | $196,000 | $645,000 |
| Refinancing | 78 | $18,390,000 | $235,000 | $1,285,000 | $231,000 | $1,916,000 |
| Cash-out Refinancing | 17 | $7,935,000 | $466,000 | $845,000 | $178,000 | $484,000 |
| 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 | 746 | $158,830,000 | $212,000 | $1,405,000 | $228,000 | $2,686,000 |
| Not Provided | 290 | $59,600,000 | $205,000 | $1,285,000 | $193,000 | $1,916,000 |
| Black or African American | 263 | $38,655,000 | $146,000 | $1,795,000 | $155,000 | $950,000 |
| Hispanic | 131 | $23,485,000 | $179,000 | $805,000 | $177,000 | $738,000 |
| Asian | 108 | $28,880,000 | $267,000 | $1,045,000 | $219,000 | $638,000 |
| American Indian or Alaskan Native | 15 | $1,585,000 | $105,000 | $235,000 | $150,000 | $629,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $69,000 | $69,000 |
| 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) | 1,554 | $311,240,000 | $200,000 | $1,795,000 | $203,000 | $2,686,000 |
| 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 | 837 | $185,755,000 | $221,000 | $1,795,000 | $222,000 | $2,686,000 |
| Application Denied By Financial Institution | 410 | $66,650,000 | $162,000 | $805,000 | $176,000 | $987,000 |
| File Closed For Incompleteness | 160 | $25,000,000 | $156,000 | $505,000 | $171,000 | $840,000 |
| Application Withdrawn By Applicant | 116 | $27,910,000 | $240,000 | $1,285,000 | $200,000 | $1,916,000 |
| Application Approved But Not Accepted | 31 | $5,925,000 | $191,000 | $505,000 | $229,000 | $1,095,000 |
| 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 | 1,144 | $244,590,000 | $213,000 | $1,795,000 | $213,000 | $2,686,000 |
| Credit History | 119 | $13,795,000 | $115,000 | $505,000 | $173,000 | $790,000 |
| Debt-To-Income Ratio | 92 | $18,310,000 | $199,000 | $805,000 | $123,000 | $614,000 |
| Other | 88 | $15,190,000 | $172,000 | $605,000 | $223,000 | $987,000 |
| Collateral | 87 | $15,275,000 | $175,000 | $655,000 | $195,000 | $800,000 |
| Employment History | 12 | $1,850,000 | $154,000 | $505,000 | $152,000 | $293,000 |
| Unverifiable Information | 10 | $1,880,000 | $188,000 | $585,000 | $175,000 | $417,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 1 | $325,000 | $325,000 | $325,000 | $117,000 | $117,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Departmenet Federal Credit Union's 2024 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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