Ussfcu Mortgage Lending & HMDA Data, 2022
In 2022, Ussfcu of Alexandria, VA reported 711 mortgage applications totaling $98.4 million, up 17% from 2021. The average application was for $138,445, and applicants reported an average income of $220,427. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (196), Riverside-San Bernardino-Ontario, CA (60) and Washington-Baltimore-Arlington, DC (27) (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 | 711 |
| Total Mortgage Loan Application Amount | $98,435,000 |
| Average Mortgage Loan Application Amount | $138,445 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $220,427 |
| Highest Applicant Income | $1,930,000 |
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Disclosure Act (HMDA) records Ussfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | $ 8,955,000 | $ 190,531 | $ 245,000 |
| Prince George's, Maryland | 42 | $ 4,020,000 | $ 95,714 | $ 173,000 |
| Fairfax, Virginia | 42 | $ 6,650,000 | $ 158,333 | $ 248,000 |
| Riverside, California | 39 | $ 6,395,000 | $ 163,974 | $ 192,000 |
| Montgomery, Maryland | 25 | $ 4,695,000 | $ 187,800 | $ 283,000 |
| Los Angeles, California | 22 | $ 4,410,000 | $ 200,454 | $ 279,000 |
| San Diego, California | 22 | $ 4,160,000 | $ 189,090 | $ 221,000 |
| San Bernardino, California | 21 | $ 2,465,000 | $ 117,380 | $ 191,000 |
| Maricopa, Arizona | 15 | $ 2,925,000 | $ 195,000 | $ 241,000 |
| Clark, Nevada | 14 | $ 1,850,000 | $ 132,142 | $ 160,000 |
| Alexandria, Virginia | 14 | $ 1,630,000 | $ 116,428 | $ 258,000 |
| Arlington, Virginia | 13 | $ 2,425,000 | $ 186,538 | $ 359,000 |
| Anne Arundel, Maryland | 11 | $ 1,795,000 | $ 163,181 | $ 274,000 |
| Orange, California | 10 | $ 2,020,000 | $ 202,000 | $ 328,000 |
| Ventura, California | 9 | $ 1,645,000 | $ 182,777 | $ 256,000 |
| Broward, Florida | 9 | $ 1,285,000 | $ 142,777 | $ 208,000 |
| Loudoun, Virginia | 8 | $ 1,220,000 | $ 152,500 | $ 233,000 |
| Mohave, Arizona | 7 | $ 1,265,000 | $ 180,714 | $ 324,000 |
| Prince William, Virginia | 7 | $ 1,125,000 | $ 160,714 | $ 229,000 |
| Placer, California | 6 | $ 650,000 | $ 108,333 | $ 280,000 |
| Calvert, Maryland | 6 | $ 440,000 | $ 73,333 | $ 147,000 |
| Howard, Maryland | 6 | $ 400,000 | $ 66,666 | $ 165,000 |
| Pima, Arizona | 5 | $ 845,000 | $ 169,000 | $ 159,000 |
| Sacramento, California | 5 | $ 525,000 | $ 105,000 | $ 256,000 |
| Sussex, Delaware | 5 | $ 345,000 | $ 69,000 | $ 398,000 |
| Sarasota, Florida | 5 | $ 805,000 | $ 161,000 | $ 126,000 |
| Charles, Maryland | 5 | $ 485,000 | $ 97,000 | $ 151,000 |
| Wake, North Carolina | 5 | $ 1,755,000 | $ 351,000 | $ 166,000 |
| Stafford, Virginia | 5 | $ 215,000 | $ 43,000 | $ 116,000 |
| San Joaquin, California | 4 | $ 420,000 | $ 105,000 | $ 171,000 |
| Lake, Florida | 4 | $ 400,000 | $ 100,000 | $ 126,000 |
| Polk, Florida | 4 | $ 480,000 | $ 120,000 | $ 164,000 |
| Chester, Pennsylvania | 4 | $ 700,000 | $ 175,000 | $ 207,000 |
| Franklin, Pennsylvania | 4 | $ 170,000 | $ 42,500 | $ 87,000 |
| Horry, South Carolina | 4 | $ 540,000 | $ 135,000 | $ 174,000 |
| Davidson, Tennessee | 4 | $ 610,000 | $ 152,500 | $ 188,000 |
| Fauquier, Virginia | 4 | $ 520,000 | $ 130,000 | $ 193,000 |
| Alameda, California | 3 | $ 495,000 | $ 165,000 | $ 216,000 |
| Fresno, California | 3 | $ 175,000 | $ 58,333 | $ 144,000 |
| San Luis Obispo, California | 3 | $ 305,000 | $ 101,666 | $ 288,000 |
| Collier, Florida | 3 | $ 255,000 | $ 85,000 | $ 170,000 |
| Palm Beach, Florida | 3 | $ 395,000 | $ 131,666 | $ 146,000 |
| Cobb, Georgia | 3 | $ 355,000 | $ 118,333 | $ 172,000 |
| Fulton, Georgia | 3 | $ 265,000 | $ 88,333 | $ 168,000 |
| Baltimore City, Maryland | 3 | $ 75,000 | $ 25,000 | $ 82,000 |
| Washoe, Nevada | 3 | $ 555,000 | $ 185,000 | $ 312,000 |
| Gloucester, New Jersey | 3 | $ 585,000 | $ 195,000 | $ 220,000 |
| Cabarrus, North Carolina | 3 | $ 315,000 | $ 105,000 | $ 129,000 |
| Guilford, North Carolina | 3 | $ 365,000 | $ 121,666 | $ 191,000 |
| Montgomery, Ohio | 3 | $ 115,000 | $ 38,333 | $ 85,000 |
| Jefferson, Alabama | 2 | $ 60,000 | $ 30,000 | $ 164,000 |
| Pinal, Arizona | 2 | $ 130,000 | $ 65,000 | $ 132,000 |
| Contra Costa, California | 2 | $ 180,000 | $ 90,000 | $ 119,000 |
| Kern, California | 2 | $ 460,000 | $ 230,000 | $ 288,000 |
| Santa Clara, California | 2 | $ 490,000 | $ 245,000 | $ 251,000 |
| Shasta, California | 2 | $ 210,000 | $ 105,000 | $ 236,000 |
| Solano, California | 2 | $ 230,000 | $ 115,000 | $ 302,000 |
| Denver, Colorado | 2 | $ 460,000 | $ 230,000 | $ 145,000 |
| Kent, Delaware | 2 | $ 80,000 | $ 40,000 | $ 79,000 |
| Marion, Florida | 2 | $ 160,000 | $ 80,000 | $ 137,000 |
| Miami-Dade, Florida | 2 | $ 360,000 | $ 180,000 | $ 211,000 |
| Nassau, Florida | 2 | $ 200,000 | $ 100,000 | $ 213,000 |
| Orange, Florida | 2 | $ 380,000 | $ 190,000 | $ 145,000 |
| Osceola, Florida | 2 | $ 190,000 | $ 95,000 | $ 83,000 |
| St. Johns, Florida | 2 | $ 310,000 | $ 155,000 | $ 226,000 |
| Forsyth, Georgia | 2 | $ 680,000 | $ 340,000 | $ 332,000 |
| Cook, Illinois | 2 | $ 530,000 | $ 265,000 | $ 391,000 |
| Will, Illinois | 2 | $ 220,000 | $ 110,000 | $ 236,000 |
| Hendricks, Indiana | 2 | $ 80,000 | $ 40,000 | $ 317,000 |
| Frederick, Maryland | 2 | $ 200,000 | $ 100,000 | $ 204,000 |
| St. Mary's, Maryland | 2 | $ 190,000 | $ 95,000 | $ 143,000 |
| Washington, Maryland | 2 | $ 260,000 | $ 130,000 | $ 184,000 |
| Essex, Massachusetts | 2 | $ 290,000 | $ 145,000 | $ 235,000 |
| Berrien, Michigan | 2 | $ 280,000 | $ 140,000 | $ 216,000 |
| Oakland, Michigan | 2 | $ 480,000 | $ 240,000 | $ 432,000 |
| Hennepin, Minnesota | 2 | $ 230,000 | $ 115,000 | $ 272,000 |
| Hillsborough, New Hampshire | 2 | $ 260,000 | $ 130,000 | $ 500,000 |
| Rockingham, New Hampshire | 2 | $ 100,000 | $ 50,000 | $ 237,000 |
| Burlington, New Jersey | 2 | $ 340,000 | $ 170,000 | $ 89,000 |
| Cumberland, New Jersey | 2 | $ 210,000 | $ 105,000 | $ 190,000 |
| Monmouth, New Jersey | 2 | $ 250,000 | $ 125,000 | $ 226,000 |
| Ocean, New Jersey | 2 | $ 200,000 | $ 100,000 | $ 247,000 |
| Union, New Jersey | 2 | $ 120,000 | $ 60,000 | $ 356,000 |
| Orange, New York | 2 | $ 200,000 | $ 100,000 | $ 121,000 |
| Saratoga, New York | 2 | $ 90,000 | $ 45,000 | $ 221,000 |
| Suffolk, New York | 2 | $ 260,000 | $ 130,000 | $ 455,000 |
| Mecklenburg, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 384,000 |
| Washington, Oregon | 2 | $ 120,000 | $ 60,000 | $ 97,000 |
| Richland, South Carolina | 2 | $ 80,000 | $ 40,000 | $ 147,000 |
| Northampton, Virginia | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Nottoway, Virginia | 2 | $ 310,000 | $ 155,000 | $ 97,000 |
| King, Washington | 2 | $ 280,000 | $ 140,000 | $ 349,000 |
| Berkeley, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 63,000 |
| Baldwin, Alabama | 1 | $ 155,000 | $ 155,000 | $ 450,000 |
| Lauderdale, Alabama | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Anchorage, Alaska | 1 | $ 75,000 | $ 75,000 | $ 221,000 |
| Coconino, Arizona | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Benton, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Pulaski, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 221,000 |
| Imperial, California | 1 | $ 75,000 | $ 75,000 | $ 207,000 |
| Marin, California | 1 | $ 75,000 | $ 75,000 | $ 444,000 |
| Nevada, California | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| San Mateo, California | 1 | $ 55,000 | $ 55,000 | $ 288,000 |
| Sonoma, California | 1 | $ 125,000 | $ 125,000 | $ 238,000 |
| Stanislaus, California | 1 | $ 305,000 | $ 305,000 | $ 198,000 |
| Arapahoe, Colorado | 1 | $ 155,000 | $ 155,000 | $ 140,000 |
| Douglas, Colorado | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| El Paso, Colorado | 1 | $ 95,000 | $ 95,000 | $ 214,000 |
| Routt, Colorado | 1 | $ 155,000 | $ 155,000 | $ 474,000 |
| Fairfield, Connecticut | 1 | $ 145,000 | $ 145,000 | $ 263,000 |
| Hartford, Connecticut | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| New Haven, Connecticut | 1 | $ 55,000 | $ 55,000 | $ 428,000 |
| New Castle, Delaware | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Brevard, Florida | 1 | $ 75,000 | $ 75,000 | $ 216,000 |
| Clay, Florida | 1 | $ 125,000 | $ 125,000 | $ 188,000 |
| Columbia, Florida | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Highlands, Florida | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Hillsborough, Florida | 1 | $ 25,000 | $ 25,000 | $ 206,000 |
| Lee, Florida | 1 | $ 255,000 | $ 255,000 | $ 181,000 |
| Leon, Florida | 1 | $ 105,000 | $ 105,000 | $ 137,000 |
| Manatee, Florida | 1 | $ 55,000 | $ 55,000 | $ 158,000 |
| Pinellas, Florida | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| St. Lucie, Florida | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Volusia, Florida | 1 | $ 85,000 | $ 85,000 | $ 305,000 |
| Carroll, Georgia | 1 | $ 85,000 | $ 85,000 | $ 185,000 |
| Catoosa, Georgia | 1 | $ 85,000 | $ 85,000 | $ 262,000 |
| Chatham, Georgia | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| DeKalb, Georgia | 1 | $ 45,000 | $ 45,000 | $ 176,000 |
| Douglas, Georgia | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Fayette, Georgia | 1 | $ 205,000 | $ 205,000 | $ 231,000 |
| Gwinnett, Georgia | 1 | $ 135,000 | $ 135,000 | $ 245,000 |
| Houston, Georgia | 1 | $ 85,000 | $ 85,000 | $ 126,000 |
| Jones, Georgia | 1 | $ 5,000 | $ 5,000 | $ 122,000 |
| Marion, Indiana | 1 | $ 155,000 | $ 155,000 | $ 180,000 |
| Polk, Iowa | 1 | $ 15,000 | $ 15,000 | $ 104,000 |
| Sedgwick, Kansas | 1 | $ 35,000 | $ 35,000 | $ 147,000 |
| Jefferson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Kenton, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Jefferson, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 186,000 |
| Cumberland, Maine | 1 | $ 105,000 | $ 105,000 | $ 231,000 |
| Penobscot, Maine | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Waldo, Maine | 1 | $ 105,000 | $ 105,000 | $ 420,000 |
| Harford, Maryland | 1 | $ 35,000 | $ 35,000 | $ 142,000 |
| Kent, Maryland | 1 | $ 55,000 | $ 55,000 | $ 166,000 |
| Queen Anne's, Maryland | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Talbot, Maryland | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Worcester, Maryland | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Barnstable, Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 400,000 |
| Plymouth, Massachusetts | 1 | $ 215,000 | $ 215,000 | $ 240,000 |
| Suffolk, Massachusetts | 1 | $ 145,000 | $ 145,000 | $ 1,578,000 |
| Ingham, Michigan | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Warren, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 185,000 |
| Clay, Missouri | 1 | $ 245,000 | $ 245,000 | $ 426,000 |
| Franklin, Missouri | 1 | $ 65,000 | $ 65,000 | $ 145,000 |
| St. Louis, Missouri | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Missoula, Montana | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Douglas, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 271,000 |
| Bergen, New Jersey | 1 | $ 65,000 | $ 65,000 | $ 245,000 |
| Hudson, New Jersey | 1 | $ 45,000 | $ 45,000 | $ 249,000 |
| Salem, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Somerset, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Bernalillo, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Onondaga, New York | 1 | $ 55,000 | $ 55,000 | $ 171,000 |
| Otsego, New York | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Alamance, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Catawba, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Chatham, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Dare, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Burleigh, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Butler, Ohio | 1 | $ 125,000 | $ 125,000 | $ 301,000 |
| Geauga, Ohio | 1 | $ 145,000 | $ 145,000 | $ 197,000 |
| Summit, Ohio | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Warren, Ohio | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Cleveland, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 264,000 |
| Lincoln, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Logan, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Tulsa, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 186,000 |
| Jackson, Oregon | 1 | $ 95,000 | $ 95,000 | $ 190,000 |
| Multnomah, Oregon | 1 | $ 75,000 | $ 75,000 | $ 207,000 |
| Berks, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Bucks, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 206,000 |
| Butler, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 160,000 |
| Delaware, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Lehigh, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 240,000 |
| Mercer, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 220,000 |
| Montgomery, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 169,000 |
| York, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 189,000 |
| Anderson, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 183,000 |
| Charleston, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 151,000 |
| Greenville, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 123,000 |
| Jasper, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Pickens, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Williamson, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 585,000 |
| Bexar, Texas | 1 | $ 155,000 | $ 155,000 | $ 490,000 |
| Collin, Texas | 1 | $ 65,000 | $ 65,000 | $ 239,000 |
| Tarrant, Texas | 1 | $ 15,000 | $ 15,000 | $ 144,000 |
| Salt Lake, Utah | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Utah, Utah | 1 | $ 115,000 | $ 115,000 | $ 131,000 |
| Bennington, Vermont | 1 | $ 145,000 | $ 145,000 | $ 450,000 |
| Accomack, Virginia | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Chesterfield, Virginia | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Culpeper, Virginia | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| Falls Church, Virginia | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Henrico, Virginia | 1 | $ 55,000 | $ 55,000 | $ 271,000 |
| James City, Virginia | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Spotsylvania, Virginia | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Suffolk, Virginia | 1 | $ 15,000 | $ 15,000 | $ 201,000 |
| Virginia Beach, Virginia | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Thurston, Washington | 1 | $ 205,000 | $ 205,000 | $ 385,000 |
| Grant, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 151,000 |
| Lewis, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 151,000 |
| Mercer, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 812,000 |
| Dane, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Milwaukee, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 275,000 |
Mortgage Loan Application Detail Totals for Ussfcu in 2022
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 | 437 | $57,025,000 | $130,000 | $605,000 | $231,000 | $1,930,000 |
| Other Purpose | 177 | $22,475,000 | $126,000 | $1,205,000 | $202,000 | $1,440,000 |
| Refinancing | 88 | $17,490,000 | $198,000 | $505,000 | $207,000 | $948,000 |
| Home Purchase | 7 | $1,185,000 | $169,000 | $505,000 | $221,000 | $327,000 |
| Cash-out Refinancing | 2 | $260,000 | $130,000 | $155,000 | $130,000 | $140,000 |
| 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 | 355 | $49,525,000 | $139,000 | $1,205,000 | $230,000 | $1,930,000 |
| Not Provided | 207 | $28,935,000 | $139,000 | $605,000 | $229,000 | $1,578,000 |
| Black or African American | 68 | $8,940,000 | $131,000 | $505,000 | $189,000 | $583,000 |
| Hispanic | 61 | $8,725,000 | $143,000 | $505,000 | $186,000 | $602,000 |
| Asian | 8 | $860,000 | $107,000 | $355,000 | $194,000 | $444,000 |
| American Indian or Alaskan Native | 5 | $595,000 | $119,000 | $185,000 | $209,000 | $547,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $72,000 | $72,000 |
| 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) | 711 | $98,435,000 | $138,000 | $1,205,000 | $221,000 | $1,930,000 |
| 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 | 551 | $73,145,000 | $132,000 | $505,000 | $227,000 | $1,930,000 |
| Application Withdrawn By Applicant | 72 | $12,390,000 | $172,000 | $1,205,000 | $208,000 | $1,440,000 |
| Application Denied By Financial Institution | 66 | $10,230,000 | $155,000 | $505,000 | $187,000 | $1,029,000 |
| Application Approved But Not Accepted | 19 | $2,195,000 | $115,000 | $305,000 | $199,000 | $441,000 |
| File Closed For Incompleteness | 3 | $475,000 | $158,000 | $255,000 | $151,000 | $288,000 |
| 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 | 645 | $88,205,000 | $136,000 | $1,205,000 | $224,000 | $1,930,000 |
| Debt-To-Income Ratio | 32 | $5,360,000 | $167,000 | $505,000 | $141,000 | $251,000 |
| Credit History | 16 | $1,920,000 | $120,000 | $505,000 | $170,000 | $619,000 |
| Other | 15 | $2,625,000 | $175,000 | $505,000 | $315,000 | $1,029,000 |
| Collateral | 2 | $260,000 | $130,000 | $145,000 | $178,000 | $205,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $60,000 | $60,000 |
| 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 2022 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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