Ussfcu Mortgage Lending & HMDA Data, 2021

In 2021, Ussfcu of Alexandria, VA reported 607 mortgage applications totaling $86.5 million, down 14% from 2020. The average application was for $142,528, and applicants reported an average income of $220,543. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (167), Riverside-San Bernardino-Ontario, CA (49) and Washington-Baltimore-Arlington, DC (29) (applications in parentheses).

Mortgage Company & Address Ussfcu
2750 Eisenhower Avenue
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  
Total Number of Mortgage Applications 607
Total Mortgage Loan Application Amount $86,515,000
Average Mortgage Loan Application Amount $142,528
Highest Mortgage Loan Application Amount $755,000
Average Applicant Income $220,543
Highest Applicant Income $6,250,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ussfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Ussfcu by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
District of Columbia, District Of Columbia 47 $ 10,145,000 $ 215,851 $ 262,000
Riverside, California 35 $ 5,535,000 $ 158,142 $ 207,000
Fairfax, Virginia 33 $ 4,995,000 $ 151,363 $ 227,000
Montgomery, Maryland 26 $ 4,890,000 $ 188,076 $ 233,000
Prince George's, Maryland 26 $ 3,970,000 $ 152,692 $ 148,000
Los Angeles, California 24 $ 3,790,000 $ 157,916 $ 281,000
San Diego, California 17 $ 2,795,000 $ 164,411 $ 235,000
San Bernardino, California 14 $ 940,000 $ 67,142 $ 156,000
Maricopa, Arizona 13 $ 1,385,000 $ 106,538 $ 178,000
Clark, Nevada 12 $ 1,220,000 $ 101,666 $ 161,000
Orange, California 11 $ 1,375,000 $ 125,000 $ 195,000
Ventura, California 11 $ 1,585,000 $ 144,090 $ 425,000
Anne Arundel, Maryland 11 $ 2,035,000 $ 185,000 $ 211,000
Prince William, Virginia 11 $ 1,255,000 $ 114,090 $ 163,000
Alexandria, Virginia 10 $ 1,710,000 $ 171,000 $ 286,000
Arlington, Virginia 10 $ 2,530,000 $ 253,000 $ 270,000
Charles, Maryland 9 $ 905,000 $ 100,555 $ 155,000
Loudoun, Virginia 8 $ 1,700,000 $ 212,500 $ 229,000
Palm Beach, Florida 7 $ 1,345,000 $ 192,142 $ 172,000
Broward, Florida 6 $ 1,440,000 $ 240,000 $ 166,000
Orange, Florida 6 $ 420,000 $ 70,000 $ 139,000
Calvert, Maryland 6 $ 540,000 $ 90,000 $ 107,000
Placer, California 5 $ 425,000 $ 85,000 $ 197,000
Sacramento, California 5 $ 465,000 $ 93,000 $ 168,000
Pasco, Florida 5 $ 205,000 $ 41,000 $ 90,000
Mecklenburg, North Carolina 5 $ 595,000 $ 119,000 $ 155,000
Mohave, Arizona 4 $ 910,000 $ 227,500 $ 205,000
Pinellas, Florida 4 $ 750,000 $ 187,500 $ 151,000
Fulton, Georgia 4 $ 250,000 $ 62,500 $ 148,000
Howard, Maryland 4 $ 560,000 $ 140,000 $ 156,000
San Joaquin, California 3 $ 515,000 $ 171,666 $ 233,000
Kent, Delaware 3 $ 275,000 $ 91,666 $ 92,000
Frederick, Maryland 3 $ 175,000 $ 58,333 $ 145,000
Essex, Massachusetts 3 $ 585,000 $ 195,000 $ 288,000
Hennepin, Minnesota 3 $ 495,000 $ 165,000 $ 152,000
Union, New Jersey 3 $ 805,000 $ 268,333 $ 329,000
Wake, North Carolina 3 $ 725,000 $ 241,666 $ 269,000
Allegheny, Pennsylvania 3 $ 145,000 $ 48,333 $ 3,153,000
Montgomery, Pennsylvania 3 $ 445,000 $ 148,333 $ 274,000
Sequatchie, Tennessee 3 $ 155,000 $ 51,666 $ 65,000
Utah, Utah 3 $ 855,000 $ 285,000 $ 320,000
Washington, Utah 3 $ 1,275,000 $ 425,000 $ 360,000
Stafford, Virginia 3 $ 325,000 $ 108,333 $ 191,000
King, Washington 3 $ 785,000 $ 261,666 $ 411,000
Pulaski, Arkansas 2 $ 50,000 $ 25,000 $ 138,000
Kings, California 2 $ 130,000 $ 65,000 $ 137,000
Monterey, California 2 $ 140,000 $ 70,000 $ 110,000
Shasta, California 2 $ 240,000 $ 120,000 $ 263,000
Denver, Colorado 2 $ 610,000 $ 305,000 $ 336,000
Brevard, Florida 2 $ 120,000 $ 60,000 $ 90,000
Santa Rosa, Florida 2 $ 50,000 $ 25,000 $ 123,000
Sarasota, Florida 2 $ 270,000 $ 135,000 $ 108,000
St. Johns, Florida 2 $ 140,000 $ 70,000 $ 168,000
St. Lucie, Florida 2 $ 80,000 $ 40,000 $ 106,000
DeKalb, Georgia 2 $ 290,000 $ 145,000 $ 363,000
Gwinnett, Georgia 2 $ 140,000 $ 70,000 $ 156,000
Thomas, Georgia 2 $ 110,000 $ 55,000 $ 74,000
Johnson, Kansas 2 $ 220,000 $ 110,000 $ 240,000
Lafayette, Louisiana 2 $ 160,000 $ 80,000 $ 196,000
Baltimore, Maryland 2 $ 180,000 $ 90,000 $ 111,000
Carroll, Maryland 2 $ 160,000 $ 80,000 $ 468,000
Cecil, Maryland 2 $ 180,000 $ 90,000 $ 179,000
Worcester, Massachusetts 2 $ 100,000 $ 50,000 $ 191,000
Washoe, Nevada 2 $ 180,000 $ 90,000 $ 154,000
Rockingham, New Hampshire 2 $ 600,000 $ 300,000 $ 281,000
Camden, New Jersey 2 $ 130,000 $ 65,000 $ 266,000
Union, North Carolina 2 $ 70,000 $ 35,000 $ 126,000
Vance, North Carolina 2 $ 150,000 $ 75,000 $ 139,000
Clermont, Ohio 2 $ 180,000 $ 90,000 $ 276,000
Berks, Pennsylvania 2 $ 100,000 $ 50,000 $ 185,000
Delaware, Pennsylvania 2 $ 280,000 $ 140,000 $ 337,000
Providence, Rhode Island 2 $ 290,000 $ 145,000 $ 216,000
Pickens, South Carolina 2 $ 70,000 $ 35,000 $ 173,000
Davis, Utah 2 $ 390,000 $ 195,000 $ 446,000
Salt Lake, Utah 2 $ 200,000 $ 100,000 $ 168,000
Falls Church, Virginia 2 $ 260,000 $ 130,000 $ 230,000
Anchorage, Alaska 1 $ 25,000 $ 25,000 $ 125,000
Pinal, Arizona 1 $ 45,000 $ 45,000 $ 60,000
Yuma, Arizona 1 $ 205,000 $ 205,000 $ 700,000
Benton, Arkansas 1 $ 155,000 $ 155,000 $ 377,000
Alameda, California 1 $ 55,000 $ 55,000 $ 140,000
Amador, California 1 $ 225,000 $ 225,000 $ 136,000
El Dorado, California 1 $ 595,000 $ 595,000 $ 230,000
Fresno, California 1 $ 35,000 $ 35,000 $ 147,000
Imperial, California 1 $ 85,000 $ 85,000 $ 203,000
Kern, California 1 $ 55,000 $ 55,000 $ 170,000
Madera, California 1 $ 15,000 $ 15,000 $ 76,000
Napa, California 1 $ 55,000 $ 55,000 $ 93,000
Santa Barbara, California 1 $ 25,000 $ 25,000 $ 131,000
Santa Clara, California 1 $ 155,000 $ 155,000 $ 444,000
Solano, California 1 $ 125,000 $ 125,000 $ 165,000
Stanislaus, California 1 $ 45,000 $ 45,000 $ 109,000
Tulare, California 1 $ 35,000 $ 35,000 $ 67,000
Arapahoe, Colorado 1 $ 65,000 $ 65,000 $ 156,000
Boulder, Colorado 1 $ 505,000 $ 505,000 $ 315,000
Douglas, Colorado 1 $ 155,000 $ 155,000 $ 375,000
El Paso, Colorado 1 $ 125,000 $ 125,000 $ 123,000
Teller, Colorado 1 $ 65,000 $ 65,000 $ 175,000
Hartford, Connecticut 1 $ 105,000 $ 105,000 $ 408,000
New Haven, Connecticut 1 $ 105,000 $ 105,000 $ 209,000
New London, Connecticut 1 $ 295,000 $ 295,000 $ 375,000
Sussex, Delaware 1 $ 315,000 $ 315,000 $ 130,000
Clay, Florida 1 $ 85,000 $ 85,000 $ 168,000
Collier, Florida 1 $ 415,000 $ 415,000 $ 0
Hillsborough, Florida 1 $ 45,000 $ 45,000 $ 86,000
Lake, Florida 1 $ 35,000 $ 35,000 $ 145,000
Lee, Florida 1 $ 95,000 $ 95,000 $ 552,000
Marion, Florida 1 $ 75,000 $ 75,000 $ 272,000
Miami-Dade, Florida 1 $ 205,000 $ 205,000 $ 256,000
Osceola, Florida 1 $ 165,000 $ 165,000 $ 152,000
Volusia, Florida 1 $ 155,000 $ 155,000 $ 156,000
Carroll, Georgia 1 $ 105,000 $ 105,000 $ 134,000
Cherokee, Georgia 1 $ 75,000 $ 75,000 $ 168,000
Cobb, Georgia 1 $ 105,000 $ 105,000 $ 169,000
Coweta, Georgia 1 $ 75,000 $ 75,000 $ 206,000
Forsyth, Georgia 1 $ 195,000 $ 195,000 $ 299,000
Jasper, Georgia 1 $ 85,000 $ 85,000 $ 186,000
Paulding, Georgia 1 $ 55,000 $ 55,000 $ 130,000
Troup, Georgia 1 $ 55,000 $ 55,000 $ 200,000
Whitfield, Georgia 1 $ 35,000 $ 35,000 $ 247,000
Cook, Illinois 1 $ 65,000 $ 65,000 $ 150,000
Kendall, Illinois 1 $ 115,000 $ 115,000 $ 262,000
Will, Illinois 1 $ 45,000 $ 45,000 $ 420,000
Boone, Kentucky 1 $ 105,000 $ 105,000 $ 305,000
Kenton, Kentucky 1 $ 105,000 $ 105,000 $ 110,000
McCracken, Kentucky 1 $ 155,000 $ 155,000 $ 207,000
East Baton Rouge, Louisiana 1 $ 135,000 $ 135,000 $ 211,000
Cumberland, Maine 1 $ 65,000 $ 65,000 $ 108,000
Harford, Maryland 1 $ 55,000 $ 55,000 $ 125,000
Talbot, Maryland 1 $ 135,000 $ 135,000 $ 612,000
Antrim, Michigan 1 $ 75,000 $ 75,000 $ 304,000
Jackson, Michigan 1 $ 75,000 $ 75,000 $ 166,000
Macomb, Michigan 1 $ 95,000 $ 95,000 $ 195,000
Oakland, Michigan 1 $ 135,000 $ 135,000 $ 264,000
Wayne, Michigan 1 $ 105,000 $ 105,000 $ 237,000
St. Louis, Minnesota 1 $ 155,000 $ 155,000 $ 172,000
Hinds, Mississippi 1 $ 45,000 $ 45,000 $ 178,000
Rankin, Mississippi 1 $ 75,000 $ 75,000 $ 166,000
Warren, Mississippi 1 $ 65,000 $ 65,000 $ 180,000
Jackson, Missouri 1 $ 75,000 $ 75,000 $ 226,000
Cape May, New Jersey 1 $ 145,000 $ 145,000 $ 108,000
Ocean, New Jersey 1 $ 65,000 $ 65,000 $ 286,000
Passaic, New Jersey 1 $ 385,000 $ 385,000 $ 249,000
Bernalillo, New Mexico 1 $ 275,000 $ 275,000 $ 276,000
Clinton, New York 1 $ 105,000 $ 105,000 $ 223,000
Columbia, New York 1 $ 35,000 $ 35,000 $ 192,000
Nassau, New York 1 $ 105,000 $ 105,000 $ 223,000
Suffolk, New York 1 $ 65,000 $ 65,000 $ 144,000
Westchester, New York 1 $ 75,000 $ 75,000 $ 407,000
Dare, North Carolina 1 $ 205,000 $ 205,000 $ 239,000
Granville, North Carolina 1 $ 105,000 $ 105,000 $ 131,000
Guilford, North Carolina 1 $ 165,000 $ 165,000 $ 84,000
Harnett, North Carolina 1 $ 45,000 $ 45,000 $ 132,000
Iredell, North Carolina 1 $ 115,000 $ 115,000 $ 200,000
Johnston, North Carolina 1 $ 75,000 $ 75,000 $ 171,000
New Hanover, North Carolina 1 $ 25,000 $ 25,000 $ 64,000
Franklin, Ohio 1 $ 15,000 $ 15,000 $ 52,000
Summit, Ohio 1 $ 65,000 $ 65,000 $ 48,000
Washington, Oregon 1 $ 245,000 $ 245,000 $ 276,000
Bucks, Pennsylvania 1 $ 55,000 $ 55,000 $ 181,000
Chester, Pennsylvania 1 $ 75,000 $ 75,000 $ 125,000
Columbia, Pennsylvania 1 $ 75,000 $ 75,000 $ 125,000
Lancaster, Pennsylvania 1 $ 105,000 $ 105,000 $ 180,000
Lehigh, Pennsylvania 1 $ 105,000 $ 105,000 $ 124,000
Mercer, Pennsylvania 1 $ 85,000 $ 85,000 $ 55,000
Northampton, Pennsylvania 1 $ 85,000 $ 85,000 $ 244,000
Philadelphia, Pennsylvania 1 $ 75,000 $ 75,000 $ 311,000
Charleston, South Carolina 1 $ 55,000 $ 55,000 $ 145,000
Greenville, South Carolina 1 $ 35,000 $ 35,000 $ 74,000
York, South Carolina 1 $ 55,000 $ 55,000 $ 204,000
Coffee, Tennessee 1 $ 75,000 $ 75,000 $ 117,000
El Paso, Texas 1 $ 55,000 $ 55,000 $ 75,000
Harris, Texas 1 $ 55,000 $ 55,000 $ 240,000
Rockwall, Texas 1 $ 75,000 $ 75,000 $ 240,000
Augusta, Virginia 1 $ 45,000 $ 45,000 $ 58,000
Chesterfield, Virginia 1 $ 105,000 $ 105,000 $ 157,000
Culpeper, Virginia 1 $ 45,000 $ 45,000 $ 116,000
Fauquier, Virginia 1 $ 65,000 $ 65,000 $ 266,000
Lancaster, Virginia 1 $ 85,000 $ 85,000 $ 90,000
Nottoway, Virginia 1 $ 155,000 $ 155,000 $ 87,000
Orange, Virginia 1 $ 55,000 $ 55,000 $ 154,000
Shenandoah, Virginia 1 $ 85,000 $ 85,000 $ 340,000
Berkeley, West Virginia 1 $ 65,000 $ 65,000 $ 70,000
Lewis, West Virginia 1 $ 85,000 $ 85,000 $ 147,000
Dane, Wisconsin 1 $ 125,000 $ 125,000 $ 140,000

Mortgage Loan Application Detail Totals for Ussfcu in 2021

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 397 $52,545,000 $132,000 $755,000 $234,000 $6,250,000
Other Purpose 113 $14,135,000 $125,000 $755,000 $189,000 $700,000
Refinancing 77 $14,325,000 $186,000 $755,000 $195,000 $1,008,000
Home Purchase 20 $5,510,000 $275,000 $665,000 $230,000 $495,000
Not Applicable 0 $0 $0 $0 $0 $0
Cash-out Refinancing 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 306 $42,630,000 $139,000 $755,000 $224,000 $1,920,000
Not Provided 176 $27,790,000 $157,000 $755,000 $251,000 $6,250,000
Black or African American 55 $7,335,000 $133,000 $755,000 $160,000 $445,000
Hispanic 50 $5,060,000 $101,000 $395,000 $164,000 $720,000
Asian 8 $1,540,000 $192,000 $405,000 $205,000 $480,000
American Indian or Alaskan Native 5 $255,000 $51,000 $75,000 $82,000 $125,000
Native Hawaiian or Other Pacific Islander 2 $180,000 $90,000 $135,000 $183,000 $303,000
Not applicable 1 $415,000 $415,000 $415,000 $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) 607 $86,515,000 $142,000 $755,000 $221,000 $6,250,000
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 463 $59,665,000 $128,000 $645,000 $214,000 $1,294,000
Application Denied By Financial Institution 68 $15,750,000 $231,000 $755,000 $288,000 $6,250,000
Application Withdrawn By Applicant 35 $5,215,000 $149,000 $665,000 $178,000 $1,920,000
Application Approved But Not Accepted 32 $4,390,000 $137,000 $505,000 $216,000 $420,000
File Closed For Incompleteness 9 $1,495,000 $166,000 $755,000 $245,000 $500,000
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 539 $70,765,000 $131,000 $755,000 $212,000 $1,920,000
Debt-To-Income Ratio 27 $5,585,000 $206,000 $555,000 $144,000 $396,000
Credit History 20 $2,290,000 $114,000 $285,000 $482,000 $6,250,000
Other 18 $7,000,000 $388,000 $755,000 $267,000 $1,008,000
Collateral 3 $875,000 $291,000 $755,000 $421,000 $900,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ussfcu's 2021 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 Ussfcu'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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