Ussfcu Mortgage Lending & HMDA Data, 2015

In 2015, Ussfcu of Alexandria, VA reported 774 mortgage applications totaling $39.7 million, up 12% from 2014. The average application was for $51,303, and applicants reported an average income of $149,000. 78% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (62), Phoenix-Mesa-Scottsdale, AZ (40) and Riverside-San Bernardino-Ontario, CA (39) (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 774
Total Mortgage Loan Application Amount $39,709,000
Average Mortgage Loan Application Amount $51,303
Highest Mortgage Loan Application Amount $260,000
Average Applicant Income $149,000
Highest Applicant Income $1,473,000

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Disclosure Act (HMDA) records Ussfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2015

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 62 $ 3,516,000 $ 56,709 $ 162,161
Phoenix-Mesa-Scottsdale, AZ 40 $ 1,910,000 $ 47,750 $ 134,000
Riverside-San Bernardino-Ontario, CA 39 $ 2,002,000 $ 51,333 $ 130,000
Las Vegas-Henderson-Paradise, NV 33 $ 1,660,000 $ 50,303 $ 148,000
Baltimore-Columbia-Towson, MD 23 $ 1,186,000 $ 51,565 $ 154,000
Atlanta-Sandy Springs-Roswell, GA 22 $ 1,152,000 $ 52,363 $ 149,000
Sacramento--Roseville--Arden-Arcade, CA 16 $ 829,000 $ 51,812 $ 141,000
Camden, NJ 14 $ 708,000 $ 50,571 $ 160,000
New York-Jersey City-White Plains, NY-NJ 14 $ 723,000 $ 51,642 $ 187,000
Silver Spring-Frederick-Rockville, MD 14 $ 1,033,000 $ 73,785 $ 202,000
Miami-Miami Beach-Kendall, FL 13 $ 518,000 $ 39,846 $ 115,000
Orlando-Kissimmee-Sanford, FL 13 $ 572,000 $ 44,000 $ 109,000
Jacksonville, FL 11 $ 497,000 $ 45,181 $ 128,000
Tampa-St. Petersburg-Clearwater, FL 11 $ 507,000 $ 46,090 $ 123,000
North Port-Sarasota-Bradenton, FL 10 $ 454,000 $ 45,400 $ 90,000
San Diego-Carlsbad, CA 10 $ 610,000 $ 61,000 $ 193,000
Anaheim-Santa Ana-Irvine, CA 9 $ 565,000 $ 62,777 $ 240,000
Charlotte-Concord-Gastonia, NC-SC 9 $ 516,000 $ 57,333 $ 135,111
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 9 $ 424,000 $ 47,111 $ 133,000
Los Angeles-Long Beach-Glendale, CA 9 $ 612,000 $ 68,000 $ 167,000
St. Louis, MO-IL 9 $ 385,000 $ 42,777 $ 145,777
Tucson, AZ 9 $ 384,000 $ 42,666 $ 106,000
Manchester-Nashua, NH 8 $ 312,000 $ 39,000 $ 155,000
Albany-Schenectady-Troy, NY 7 $ 284,000 $ 40,571 $ 130,000
Louisville/Jefferson County, KY-IN 7 $ 370,000 $ 52,857 $ 259,571
Dover, DE 6 $ 262,000 $ 43,666 $ 110,000
Greenville-Anderson-Mauldin, SC 6 $ 268,000 $ 44,666 $ 262,000
Kansas City, MO-KS 6 $ 354,000 $ 59,000 $ 180,666
Montgomery County-Bucks County-Chester County, PA 6 $ 401,000 $ 66,833 $ 204,000
Nassau County-Suffolk County, NY 6 $ 289,000 $ 48,166 $ 243,000
Raleigh, NC 6 $ 326,000 $ 54,333 $ 119,000
Visalia-Porterville, CA 6 $ 257,000 $ 42,833 $ 133,000
Winchester, VA-WV 6 $ 316,000 $ 52,666 $ 161,000
Allentown-Bethlehem-Easton, PA-NJ 5 $ 298,000 $ 59,600 $ 140,000
Bakersfield, CA 5 $ 219,000 $ 43,800 $ 129,000
Bridgeport-Stamford-Norwalk, CT 5 $ 257,000 $ 51,400 $ 376,000
Chicago-Naperville-Arlington Heights, IL 5 $ 343,000 $ 68,600 $ 181,000
Lakeland-Winter Haven, FL 5 $ 251,000 $ 50,200 $ 103,000
Lebanon, PA 5 $ 228,000 $ 45,600 $ 116,000
Little Rock-North Little Rock-Conway, AR 5 $ 204,000 $ 40,800 $ 125,000
Newark, NJ-PA 5 $ 227,000 $ 45,400 $ 111,200
Reading, PA 5 $ 351,000 $ 70,200 $ 161,000
Stockton-Lodi, CA 5 $ 269,000 $ 53,800 $ 165,000
California-Lexington Park, MD 4 $ 273,000 $ 68,250 $ 205,000
Fresno, CA 4 $ 218,000 $ 54,500 $ 145,000
Indianapolis-Carmel-Anderson, IN 4 $ 142,000 $ 35,500 $ 117,000
Lancaster, PA 4 $ 220,000 $ 55,000 $ 174,000
Oakland-Hayward-Berkeley, CA 4 $ 175,000 $ 43,750 $ 121,000
Oklahoma City, OK 4 $ 197,000 $ 49,250 $ 140,000
Virginia Beach-Norfolk-Newport News, VA-NC 4 $ 211,000 $ 52,750 $ 191,000
Warren-Troy-Farmington Hills, MI 4 $ 162,000 $ 40,500 $ 111,000
Worcester, MA-CT 4 $ 155,000 $ 38,750 $ 85,000
Augusta-Richmond County, GA-SC 3 $ 161,000 $ 53,666 $ 97,666
Baton Rouge, LA 3 $ 140,000 $ 46,666 $ 112,000
Birmingham-Hoover, AL 3 $ 177,000 $ 59,000 $ 127,000
Cambridge-Newton-Framingham, MA 3 $ 165,000 $ 55,000 $ 224,000
Columbus, OH 3 $ 108,000 $ 36,000 $ 85,000
Deltona-Daytona Beach-Ormond Beach, FL 3 $ 149,000 $ 49,666 $ 122,000
Gainesville, GA 3 $ 124,000 $ 41,333 $ 126,000
Hartford-West Hartford-East Hartford, CT 3 $ 130,000 $ 43,333 $ 126,000
Knoxville, TN 3 $ 239,000 $ 79,666 $ 124,000
Lake Havasu City-Kingman, AZ 3 $ 117,000 $ 39,000 $ 204,000
Modesto, CA 3 $ 190,000 $ 63,333 $ 132,000
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 105,000 $ 35,000 $ 81,000
New Orleans-Metairie, LA 3 $ 154,000 $ 51,333 $ 163,000
Oxnard-Thousand Oaks-Ventura, CA 3 $ 400,000 $ 133,333 $ 255,000
Palm Bay-Melbourne-Titusville, FL 3 $ 159,000 $ 53,000 $ 128,000
Pittsburgh, PA 3 $ 90,000 $ 30,000 $ 97,000
Port St. Lucie, FL 3 $ 95,000 $ 31,666 $ 122,000
San Jose-Sunnyvale-Santa Clara, CA 3 $ 425,000 $ 141,666 $ 133,000
Seattle-Bellevue-Everett, WA 3 $ 195,000 $ 65,000 $ 158,000
Tulsa, OK 3 $ 149,000 $ 49,666 $ 126,000
Vallejo-Fairfield, CA 3 $ 162,000 $ 54,000 $ 168,000
York-Hanover, PA 3 $ 236,000 $ 78,666 $ 181,000
Akron, OH 2 $ 59,000 $ 29,500 $ 108,000
Ann Arbor, MI 2 $ 80,000 $ 40,000 $ 95,000
Buffalo-Cheektowaga-Niagara Falls, NY 2 $ 103,000 $ 51,500 $ 208,000
Cincinnati, OH-KY-IN 2 $ 48,000 $ 24,000 $ 70,000
Cleveland-Elyria, OH 2 $ 80,000 $ 40,000 $ 164,000
Columbia, SC 2 $ 54,000 $ 27,000 $ 34,000
Denver-Aurora-Lakewood, CO 2 $ 112,000 $ 56,000 $ 102,000
East Stroudsburg, PA 2 $ 98,000 $ 49,000 $ 154,000
Elgin, IL 2 $ 125,000 $ 62,500 $ 107,000
Fayetteville-Springdale-Rogers, AR-MO 2 $ 112,000 $ 56,000 $ 144,000
Gainesville, FL 2 $ 92,000 $ 46,000 $ 92,000
Hickory-Lenoir-Morganton, NC 2 $ 87,000 $ 43,500 $ 126,000
Lansing-East Lansing, MI 2 $ 48,000 $ 24,000 $ 91,000
Lynchburg, VA 2 $ 103,000 $ 51,500 $ 81,000
Minneapolis-St. Paul-Bloomington, MN-WI 2 $ 76,000 $ 38,000 $ 103,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 65,000 $ 32,500 $ 79,000
Ocala, FL 2 $ 83,000 $ 41,500 $ 92,000
Philadelphia, PA 2 $ 83,000 $ 41,500 $ 159,000
Providence-Warwick, RI-MA 2 $ 115,000 $ 57,500 $ 321,000
Redding, CA 2 $ 134,000 $ 67,000 $ 194,000
Sebastian-Vero Beach, FL 2 $ 79,000 $ 39,500 $ 92,000
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 113,000 $ 56,500 $ 97,000
Wilmington, DE-MD-NJ 2 $ 97,000 $ 48,500 $ 178,000
Yakima, WA 2 $ 115,000 $ 57,500 $ 122,000
Asheville, NC 1 $ 50,000 $ 50,000 $ 1,473,000
Atlantic City-Hammonton, NJ 1 $ 70,000 $ 70,000 $ 169,000
Barnstable Town, MA 1 $ 50,000 $ 50,000 $ 183,000
Boston, MA 1 $ 70,000 $ 70,000 $ 117,000
Boulder, CO 1 $ 40,000 $ 40,000 $ 154,000
Brunswick, GA 1 $ 45,000 $ 45,000 $ 57,000
Burlington, NC 1 $ 36,000 $ 36,000 $ 50,000
Cape Coral-Fort Myers, FL 1 $ 42,000 $ 42,000 $ 95,000
Champaign-Urbana, IL 1 $ 21,000 $ 21,000 $ 67,000
Charleston-North Charleston, SC 1 $ 70,000 $ 70,000 $ 168,000
Chico, CA 1 $ 58,000 $ 58,000 $ 126,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 32,000 $ 32,000 $ 84,000
Daphne-Fairhope-Foley, AL 1 $ 43,000 $ 43,000 $ 114,000
Dayton, OH 1 $ 27,000 $ 27,000 $ 120,000
Detroit-Dearborn-Livonia, MI 1 $ 50,000 $ 50,000 $ 114,000
Dutchess County-Putnam County, NY 1 $ 55,000 $ 55,000 $ 325,000
El Centro, CA 1 $ 42,000 $ 42,000 $ 170,000
Elizabethtown-Fort Knox, KY 1 $ 43,000 $ 43,000 $ 100,000
Evansville, IN-KY 1 $ 30,000 $ 30,000 $ 87,000
Farmington, NM 1 $ 32,000 $ 32,000 $ 181,000
Gadsden, AL 1 $ 27,000 $ 27,000 $ 52,000
Gary, IN 1 $ 60,000 $ 60,000 $ 295,000
Gettysburg, PA 1 $ 63,000 $ 63,000 $ 146,000
Greensboro-High Point, NC 1 $ 48,000 $ 48,000 $ 130,000
Greenville, NC 1 $ 38,000 $ 38,000 $ 53,000
Hagerstown-Martinsburg, MD-WV 1 $ 53,000 $ 53,000 $ 95,000
Hanford-Corcoran, CA 1 $ 40,000 $ 40,000 $ 169,000
Harrisburg-Carlisle, PA 1 $ 70,000 $ 70,000 $ 210,000
Harrisonburg, VA 1 $ 43,000 $ 43,000 $ 224,000
Houston-The Woodlands-Sugar Land, TX 1 $ 45,000 $ 45,000 $ 170,000
Ithaca, NY 1 $ 70,000 $ 70,000 $ 96,000
Jackson, MI 1 $ 33,000 $ 33,000 $ 112,000
Jacksonville, NC 1 $ 43,000 $ 43,000 $ 126,000
Lafayette, LA 1 $ 31,000 $ 31,000 $ 101,000
Lafayette-West Lafayette, IN 1 $ 32,000 $ 32,000 $ 116,000
Lincoln, NE 1 $ 70,000 $ 70,000 $ 248,000
Memphis, TN-MS-AR 1 $ 59,000 $ 59,000 $ 182,000
Mobile, AL 1 $ 32,000 $ 32,000 $ 98,000
Monroe, MI 1 $ 26,000 $ 26,000 $ 102,000
Naples-Immokalee-Marco Island, FL 1 $ 79,000 $ 79,000 $ 180,000
New Bern, NC 1 $ 59,000 $ 59,000 $ 140,000
Niles-Benton Harbor, MI 1 $ 37,000 $ 37,000 $ 95,000
Ocean City, NJ 1 $ 45,000 $ 45,000 $ 194,000
Ogden-Clearfield, UT 1 $ 70,000 $ 70,000 $ 99,000
Pensacola-Ferry Pass-Brent, FL 1 $ 61,000 $ 61,000 $ 129,000
Portland-South Portland, ME 1 $ 36,000 $ 36,000 $ 66,000
Portland-Vancouver-Hillsboro, OR-WA 1 $ 70,000 $ 70,000 $ 97,000
Punta Gorda, FL 1 $ 36,000 $ 36,000 $ 157,000
Richmond, VA 1 $ 53,000 $ 53,000 $ 121,000
Roanoke, VA 1 $ 37,000 $ 37,000 $ 89,000
Rockingham County-Strafford County, NH 1 $ 53,000 $ 53,000 $ 176,000
Saginaw, MI 1 $ 32,000 $ 32,000 $ 179,000
Salisbury, MD-DE 1 $ 53,000 $ 53,000 $ 123,000
Shreveport-Bossier City, LA 1 $ 27,000 $ 27,000 $ 98,000
South Bend-Mishawaka, IN-MI 1 $ 43,000 $ 43,000 $ 96,000
Springfield, IL 1 $ 28,000 $ 28,000 $ 153,000
Sumter, SC 1 $ 34,000 $ 34,000 $ 52,000
Toledo, OH 1 $ 64,000 $ 64,000 $ 243,000
Utica-Rome, NY 1 $ 27,000 $ 27,000 $ 111,000
Valdosta, GA 1 $ 70,000 $ 70,000 $ 113,000
Williamsport, PA 1 $ 28,000 $ 28,000 $ 71,000
Youngstown-Warren-Boardman, OH-PA 1 $ 53,000 $ 53,000 $ 166,000

Mortgage Loan Application Detail Totals for Ussfcu in 2015

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 774 $39,709,000 $51,000 $260,000 $149,000 $1,473,000
Home Purchase 0 $0 $0 $0 $0 $0
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 505 $25,859,000 $51,000 $260,000 $151,000 $1,473,000
Not Provided 133 $6,866,000 $51,000 $150,000 $160,000 $1,071,000
Hispanic 62 $2,992,000 $48,000 $104,000 $121,000 $281,000
Black or African American 52 $2,588,000 $49,000 $125,000 $120,000 $337,000
Asian 13 $845,000 $65,000 $140,000 $181,000 $421,000
American Indian or Alaskan Native 5 $256,000 $51,000 $90,000 $126,000 $242,000
Native Hawaiian or Other Pacific Islander 4 $303,000 $75,000 $143,000 $234,000 $500,000
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) 774 $39,709,000 $51,000 $260,000 $149,000 $1,473,000
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 600 $31,223,000 $52,000 $260,000 $150,000 $900,000
Application Denied By Financial Institution 119 $5,818,000 $48,000 $133,000 $129,000 $1,071,000
Application Withdrawn By Applicant 55 $2,668,000 $48,000 $143,000 $179,000 $1,473,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Debt-To-Income Ratio 53 $2,579,000 $48,000 $133,000 $104,000 $204,000
Credit History 40 $1,790,000 $44,000 $95,000 $135,000 $229,000
Other 15 $920,000 $61,000 $97,000 $196,000 $1,071,000
Employment History 7 $362,000 $51,000 $70,000 $150,000 $280,000
Collateral 2 $85,000 $42,000 $48,000 $105,000 $107,000
Unverifiable Information 1 $40,000 $40,000 $40,000 $216,000 $216,000
Insufficient Cash (Downpayment, Closing Cost) 1 $42,000 $42,000 $42,000 $53,000 $53,000
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 Ussfcu's 2015 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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