Ussfcu Mortgage Lending & HMDA Data, 2020
In 2020, Ussfcu of Alexandria, VA reported 704 mortgage applications totaling $75.4 million, down 2% from 2019. The average application was for $107,073, and applicants reported an average income of $199,603. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (181), Riverside-San Bernardino-Ontario, CA (73) and Washington-Baltimore-Arlington, DC (28) (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 | 704 |
| Total Mortgage Loan Application Amount | $75,380,000 |
| Average Mortgage Loan Application Amount | $107,073 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $199,603 |
| Highest Applicant Income | $2,400,000 |
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Disclosure Act (HMDA) records Ussfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 181 | $ 27,195,000 | $ 150,248 | $ 222,049 |
| Riverside-San Bernardino-Ontario, CA | 73 | $ 5,525,000 | $ 75,684 | $ 183,000 |
| Washington-Baltimore-Arlington, DC | 28 | $ 3,680,000 | $ 131,428 | $ 237,000 |
| Baltimore-Columbia-Towson, MD | 26 | $ 2,450,000 | $ 94,230 | $ 169,000 |
| Phoenix-Mesa-Scottsdale, AZ | 23 | $ 1,915,000 | $ 83,260 | $ 217,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 2,320,000 | $ 105,454 | $ 242,000 |
| Las Vegas-Henderson-Paradise, NV | 19 | $ 1,935,000 | $ 101,842 | $ 185,000 |
| Outside any metro area | 19 | $ 1,315,000 | $ 69,210 | $ 243,736 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 1,485,000 | $ 114,230 | $ 305,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 1,465,000 | $ 112,692 | $ 254,000 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 900,000 | $ 75,000 | $ 148,000 |
| San Diego-Carlsbad, CA | 11 | $ 1,275,000 | $ 115,909 | $ 247,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 735,000 | $ 66,818 | $ 111,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 10 | $ 880,000 | $ 88,000 | $ 171,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 465,000 | $ 51,666 | $ 150,000 |
| Salt Lake City, UT | 9 | $ 1,405,000 | $ 156,111 | $ 234,000 |
| Camden, NJ | 8 | $ 650,000 | $ 81,250 | $ 239,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 380,000 | $ 47,500 | $ 157,875 |
| Jacksonville, FL | 7 | $ 455,000 | $ 65,000 | $ 121,000 |
| Oklahoma City, OK | 7 | $ 655,000 | $ 93,571 | $ 207,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 630,000 | $ 105,000 | $ 223,000 |
| Fresno, CA | 5 | $ 275,000 | $ 55,000 | $ 151,000 |
| Salisbury, MD-DE | 5 | $ 935,000 | $ 187,000 | $ 132,800 |
| California-Lexington Park, MD | 4 | $ 220,000 | $ 55,000 | $ 112,000 |
| Chicago-Naperville, IL | 4 | $ 280,000 | $ 70,000 | $ 174,000 |
| Cincinnati, OH-KY-IN | 4 | $ 350,000 | $ 87,500 | $ 372,500 |
| Memphis, TN-MS-AR | 4 | $ 320,000 | $ 80,000 | $ 157,000 |
| New York-Newark, NY | 4 | $ 340,000 | $ 85,000 | $ 190,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 240,000 | $ 60,000 | $ 110,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 250,000 | $ 62,500 | $ 131,000 |
| Charleston-North Charleston, SC | 3 | $ 1,565,000 | $ 521,666 | $ 127,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 195,000 | $ 65,000 | $ 176,000 |
| Lakeland-Winter Haven, FL | 3 | $ 165,000 | $ 55,000 | $ 122,000 |
| Modesto, CA | 3 | $ 155,000 | $ 51,666 | $ 103,000 |
| Nassau County-Suffolk County, NY | 3 | $ 415,000 | $ 138,333 | $ 228,000 |
| New Orleans-Metairie, LA | 3 | $ 175,000 | $ 58,333 | $ 132,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 445,000 | $ 148,333 | $ 334,000 |
| Raleigh, NC | 3 | $ 175,000 | $ 58,333 | $ 165,000 |
| Stockton-Lodi, CA | 3 | $ 335,000 | $ 111,666 | $ 286,000 |
| Tucson, AZ | 3 | $ 805,000 | $ 268,333 | $ 512,000 |
| Vallejo-Fairfield, CA | 3 | $ 395,000 | $ 131,666 | $ 124,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 110,000 | $ 55,000 | $ 118,500 |
| Atlantic City-Hammonton, NJ | 2 | $ 190,000 | $ 95,000 | $ 234,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 110,000 | $ 55,000 | $ 218,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 260,000 | $ 130,000 | $ 307,000 |
| Durham-Chapel Hill, NC | 2 | $ 140,000 | $ 70,000 | $ 150,000 |
| El Centro, CA | 2 | $ 90,000 | $ 45,000 | $ 166,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 130,000 | $ 65,000 | $ 188,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 140,000 | $ 70,000 | $ 190,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 110,000 | $ 55,000 | $ 174,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 110,000 | $ 55,000 | $ 140,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 90,000 | $ 45,000 | $ 187,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 170,000 | $ 85,000 | $ 126,000 |
| Lancaster, PA | 2 | $ 70,000 | $ 35,000 | $ 156,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 160,000 | $ 80,000 | $ 141,000 |
| Merced, CA | 2 | $ 230,000 | $ 115,000 | $ 139,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 100,000 | $ 50,000 | $ 176,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 150,000 | $ 75,000 | $ 155,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 120,000 | $ 60,000 | $ 131,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 350,000 | $ 175,000 | $ 276,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 400,000 | $ 200,000 | $ 73,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 230,000 | $ 115,000 | $ 161,000 |
| Philadelphia, PA | 2 | $ 330,000 | $ 165,000 | $ 209,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 200,000 | $ 100,000 | $ 175,000 |
| Shreveport-Bossier City, LA | 2 | $ 140,000 | $ 70,000 | $ 106,000 |
| Staunton-Waynesboro, VA | 2 | $ 100,000 | $ 50,000 | $ 119,000 |
| Tallahassee, FL | 2 | $ 670,000 | $ 335,000 | $ 106,000 |
| Topeka, KS | 2 | $ 110,000 | $ 55,000 | $ 151,000 |
| Tulsa, OK | 2 | $ 70,000 | $ 35,000 | $ 215,000 |
| Vineland-Bridgeton, NJ | 2 | $ 110,000 | $ 55,000 | $ 133,000 |
| Visalia-Porterville, CA | 2 | $ 150,000 | $ 75,000 | $ 116,000 |
| Wilmington, DE-MD-NJ | 2 | $ 510,000 | $ 255,000 | $ 121,000 |
| Wilmington, NC | 2 | $ 80,000 | $ 40,000 | $ 96,000 |
| York-Hanover, PA | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Ann Arbor, MI | 1 | $ 45,000 | $ 45,000 | $ 165,000 |
| Austin-Round Rock, TX | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Bangor, ME | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Baton Rouge, LA | 1 | $ 75,000 | $ 75,000 | $ 153,000 |
| Bellingham, WA | 1 | $ 45,000 | $ 45,000 | $ 228,000 |
| Bloomsburg-Berwick, PA | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Boise City, ID | 1 | $ 235,000 | $ 235,000 | $ 288,000 |
| Boston, MA | 1 | $ 125,000 | $ 125,000 | $ 384,000 |
| Boulder, CO | 1 | $ 255,000 | $ 255,000 | $ 204,000 |
| Canton-Massillon, OH | 1 | $ 55,000 | $ 55,000 | $ 268,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Charlottesville, VA | 1 | $ 105,000 | $ 105,000 | $ 533,000 |
| Chattanooga, TN-GA | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Colorado Springs, CO | 1 | $ 55,000 | $ 55,000 | $ 169,000 |
| Dallas-Plano-Irving, TX | 1 | $ 85,000 | $ 85,000 | $ 146,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Elgin, IL | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Fargo, ND-MN | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Fayetteville, NC | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Florence-Muscle Shoals, AL | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Greeley, CO | 1 | $ 75,000 | $ 75,000 | $ 600,000 |
| Greensboro-High Point, NC | 1 | $ 85,000 | $ 85,000 | $ 233,000 |
| Greenville, NC | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Hammond, LA | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 45,000 | $ 45,000 | $ 159,000 |
| Jackson, MS | 1 | $ 65,000 | $ 65,000 | $ 152,000 |
| Kansas City, MO-KS | 1 | $ 85,000 | $ 85,000 | $ 329,000 |
| Lafayette, LA | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Las Cruces, NM | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Lebanon, PA | 1 | $ 35,000 | $ 35,000 | $ 152,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Manchester-Nashua, NH | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Mobile, AL | 1 | $ 75,000 | $ 75,000 | $ 318,000 |
| New Haven-Milford, CT | 1 | $ 15,000 | $ 15,000 | $ 160,000 |
| Newark, NJ-PA | 1 | $ 165,000 | $ 165,000 | $ 118,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Pittsburgh, PA | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Port St. Lucie, FL | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Providence-Warwick, RI-MA | 1 | $ 45,000 | $ 45,000 | $ 155,000 |
| Reading, PA | 1 | $ 35,000 | $ 35,000 | $ 123,000 |
| Reno, NV | 1 | $ 65,000 | $ 65,000 | $ 176,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| St. Louis, MO-IL | 1 | $ 255,000 | $ 255,000 | $ 312,000 |
| The Villages, FL | 1 | $ 35,000 | $ 35,000 | $ 133,000 |
| Toledo, OH | 1 | $ 75,000 | $ 75,000 | $ 208,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 25,000 | $ 25,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for Ussfcu in 2020
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 | 460 | $42,160,000 | $91,000 | $755,000 | $209,000 | $1,728,000 |
| Other Purpose | 128 | $14,710,000 | $114,000 | $755,000 | $196,000 | $2,400,000 |
| Refinancing | 99 | $14,415,000 | $145,000 | $675,000 | $166,000 | $465,000 |
| Not Applicable | 13 | $2,155,000 | $165,000 | $755,000 | $185,000 | $338,000 |
| Cash-out Refinancing | 2 | $970,000 | $485,000 | $655,000 | $136,000 | $166,000 |
| Home Purchase | 2 | $970,000 | $485,000 | $655,000 | $91,000 | $132,000 |
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 | 345 | $39,115,000 | $113,000 | $755,000 | $209,000 | $2,400,000 |
| Not Provided | 217 | $21,105,000 | $97,000 | $655,000 | $215,000 | $1,164,000 |
| Black or African American | 73 | $9,015,000 | $123,000 | $675,000 | $135,000 | $400,000 |
| Hispanic | 38 | $3,390,000 | $89,000 | $475,000 | $176,000 | $503,000 |
| Asian | 17 | $1,535,000 | $90,000 | $155,000 | $190,000 | $360,000 |
| American Indian or Alaskan Native | 6 | $370,000 | $61,000 | $105,000 | $103,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $320,000 | $80,000 | $125,000 | $176,000 | $242,000 |
| 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) | 704 | $75,380,000 | $107,000 | $755,000 | $200,000 | $2,400,000 |
| 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 | 543 | $55,215,000 | $101,000 | $755,000 | $202,000 | $1,728,000 |
| Application Withdrawn By Applicant | 91 | $12,385,000 | $136,000 | $755,000 | $206,000 | $2,400,000 |
| Application Denied By Financial Institution | 54 | $5,950,000 | $110,000 | $555,000 | $176,000 | $930,000 |
| Application Approved But Not Accepted | 16 | $1,830,000 | $114,000 | $605,000 | $163,000 | $308,000 |
| File Closed For Incompleteness | 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 | 650 | $69,430,000 | $106,000 | $755,000 | $202,000 | $2,400,000 |
| Debt-To-Income Ratio | 19 | $2,355,000 | $123,000 | $305,000 | $151,000 | $465,000 |
| Other | 15 | $1,285,000 | $85,000 | $435,000 | $176,000 | $600,000 |
| Credit History | 14 | $1,660,000 | $118,000 | $555,000 | $157,000 | $292,000 |
| Collateral | 5 | $555,000 | $111,000 | $225,000 | $326,000 | $930,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $163,000 | $163,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ussfcu's 2020 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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