Ussfcu Mortgage Lending & HMDA Data, 2023
In 2023, Ussfcu of Alexandria, VA reported 588 mortgage applications totaling $84.2 million, down 17% from 2022. The average application was for $143,146, and applicants reported an average income of $244,178. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (167), Riverside-San Bernardino-Ontario, CA (38) and Baltimore-Columbia-Towson, MD (30) (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 | 588 |
| Total Mortgage Loan Application Amount | $84,170,000 |
| Average Mortgage Loan Application Amount | $143,146 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $244,178 |
| Highest Applicant Income | $7,500,000 |
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Disclosure Act (HMDA) records Ussfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 167 | $ 22,545,000 | $ 135,000 | $ 264,209 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 5,640,000 | $ 148,421 | $ 229,000 |
| Baltimore-Columbia-Towson, MD | 30 | $ 2,670,000 | $ 89,000 | $ 200,000 |
| Washington-Baltimore-Arlington, DC | 24 | $ 5,270,000 | $ 219,583 | $ 303,000 |
| San Diego-Carlsbad, CA | 18 | $ 2,960,000 | $ 164,444 | $ 234,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 3,655,000 | $ 215,000 | $ 349,000 |
| Outside any metro area | 15 | $ 2,665,000 | $ 177,666 | $ 315,733 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 2,310,000 | $ 165,000 | $ 190,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 1,495,000 | $ 115,000 | $ 180,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 985,000 | $ 89,545 | $ 219,636 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,310,000 | $ 131,000 | $ 144,000 |
| New York-Newark, NY | 9 | $ 1,555,000 | $ 172,777 | $ 217,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 2,590,000 | $ 323,750 | $ 242,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 870,000 | $ 108,750 | $ 269,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,185,000 | $ 169,285 | $ 246,000 |
| Raleigh, NC | 6 | $ 860,000 | $ 143,333 | $ 277,000 |
| Richmond, VA | 6 | $ 350,000 | $ 58,333 | $ 126,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,100,000 | $ 183,333 | $ 303,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 525,000 | $ 105,000 | $ 161,000 |
| Tucson, AZ | 5 | $ 785,000 | $ 157,000 | $ 199,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 320,000 | $ 80,000 | $ 414,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 520,000 | $ 130,000 | $ 157,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 700,000 | $ 175,000 | $ 308,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 610,000 | $ 152,500 | $ 192,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 820,000 | $ 205,000 | $ 550,000 |
| Port St. Lucie, FL | 4 | $ 310,000 | $ 77,500 | $ 100,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 400,000 | $ 100,000 | $ 218,000 |
| Salinas, CA | 4 | $ 390,000 | $ 97,500 | $ 159,000 |
| Salt Lake City, UT | 4 | $ 660,000 | $ 165,000 | $ 343,000 |
| Wilmington, NC | 4 | $ 500,000 | $ 125,000 | $ 155,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 215,000 | $ 71,666 | $ 309,000 |
| Charlottesville, VA | 3 | $ 485,000 | $ 161,666 | $ 404,000 |
| Cincinnati, OH-KY-IN | 3 | $ 465,000 | $ 155,000 | $ 260,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 685,000 | $ 228,333 | $ 262,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 425,000 | $ 141,666 | $ 205,000 |
| Jacksonville, FL | 3 | $ 265,000 | $ 88,333 | $ 167,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 325,000 | $ 108,333 | $ 338,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 195,000 | $ 65,000 | $ 301,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 575,000 | $ 191,666 | $ 324,333 |
| St. Louis, MO-IL | 3 | $ 485,000 | $ 161,666 | $ 210,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,155,000 | $ 385,000 | $ 612,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 160,000 | $ 80,000 | $ 182,000 |
| Camden, NJ | 2 | $ 200,000 | $ 100,000 | $ 139,000 |
| Charleston-North Charleston, SC | 2 | $ 190,000 | $ 95,000 | $ 155,000 |
| Chattanooga, TN-GA | 2 | $ 260,000 | $ 130,000 | $ 157,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,110,000 | $ 555,000 | $ 207,000 |
| Des Moines-West Des Moines, IA | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| El Centro, CA | 2 | $ 450,000 | $ 225,000 | $ 190,000 |
| Fresno, CA | 2 | $ 180,000 | $ 90,000 | $ 213,000 |
| Lafayette, LA | 2 | $ 260,000 | $ 130,000 | $ 124,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 120,000 | $ 60,000 | $ 184,000 |
| Lakeland-Winter Haven, FL | 2 | $ 120,000 | $ 60,000 | $ 159,000 |
| Memphis, TN-MS-AR | 2 | $ 170,000 | $ 85,000 | $ 201,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 290,000 | $ 145,000 | $ 102,500 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 170,000 | $ 85,000 | $ 108,000 |
| Nassau County-Suffolk County, NY | 2 | $ 120,000 | $ 60,000 | $ 269,000 |
| Newark, NJ-PA | 2 | $ 500,000 | $ 250,000 | $ 444,000 |
| Pittsburgh, PA | 2 | $ 230,000 | $ 115,000 | $ 207,000 |
| Reno, NV | 2 | $ 140,000 | $ 70,000 | $ 184,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 130,000 | $ 65,000 | $ 197,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 480,000 | $ 240,000 | $ 189,000 |
| Stockton-Lodi, CA | 2 | $ 200,000 | $ 100,000 | $ 127,000 |
| Tacoma-Lakewood, WA | 2 | $ 160,000 | $ 80,000 | $ 787,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 470,000 | $ 235,000 | $ 250,000 |
| Wilmington, DE-MD-NJ | 2 | $ 590,000 | $ 295,000 | $ 189,500 |
| Albuquerque, NM | 1 | $ 105,000 | $ 105,000 | $ 22,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 125,000 | $ 125,000 | $ 287,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 95,000 | $ 95,000 | $ 165,000 |
| Bangor, ME | 1 | $ 145,000 | $ 145,000 | $ 181,000 |
| Barnstable Town, MA | 1 | $ 395,000 | $ 395,000 | $ 285,000 |
| Baton Rouge, LA | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Birmingham-Hoover, AL | 1 | $ 35,000 | $ 35,000 | $ 147,000 |
| Boston, MA | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| Burlington, NC | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Burlington-South Burlington, VT | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| California-Lexington Park, MD | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Chicago-Naperville, IL | 1 | $ 205,000 | $ 205,000 | $ 492,000 |
| Cleveland-Elyria, OH | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Columbia, SC | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Columbus, OH | 1 | $ 115,000 | $ 115,000 | $ 179,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 185,000 |
| Erie, PA | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
| Eugene, OR | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Fayetteville, NC | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 372,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Hanford-Corcoran, CA | 1 | $ 165,000 | $ 165,000 | $ 284,000 |
| Idaho Falls, ID | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 95,000 | $ 95,000 | $ 166,000 |
| Jackson, MI | 1 | $ 75,000 | $ 75,000 | $ 163,000 |
| Las Cruces, NM | 1 | $ 125,000 | $ 125,000 | $ 182,000 |
| Lebanon, PA | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Lexington-Fayette, KY | 1 | $ 55,000 | $ 55,000 | $ 133,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 115,000 | $ 115,000 | $ 208,000 |
| Macon-Bibb County, GA | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Madera, CA | 1 | $ 105,000 | $ 105,000 | $ 283,000 |
| Manchester-Nashua, NH | 1 | $ 185,000 | $ 185,000 | $ 288,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| New Haven-Milford, CT | 1 | $ 85,000 | $ 85,000 | $ 225,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Ocean City, NJ | 1 | $ 205,000 | $ 205,000 | $ 313,000 |
| Ogden-Clearfield, UT | 1 | $ 185,000 | $ 185,000 | $ 256,000 |
| Portland-South Portland, ME | 1 | $ 15,000 | $ 15,000 | $ 201,000 |
| Providence-Warwick, RI-MA | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Rapid City, SD | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Reading, PA | 1 | $ 125,000 | $ 125,000 | $ 186,000 |
| Savannah, GA | 1 | $ 15,000 | $ 15,000 | $ 163,000 |
| Sioux Falls, SD | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Tallahassee, FL | 1 | $ 75,000 | $ 75,000 | $ 239,000 |
| The Villages, FL | 1 | $ 65,000 | $ 65,000 | $ 184,000 |
| Vallejo-Fairfield, CA | 1 | $ 125,000 | $ 125,000 | $ 365,000 |
| Warner Robins, GA | 1 | $ 115,000 | $ 115,000 | $ 223,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Ussfcu in 2023
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 | 341 | $48,575,000 | $142,000 | $755,000 | $279,000 | $7,500,000 |
| Other Purpose | 147 | $17,285,000 | $117,000 | $505,000 | $181,000 | $877,000 |
| Refinancing | 91 | $16,425,000 | $180,000 | $955,000 | $215,000 | $895,000 |
| Cash-out Refinancing | 5 | $975,000 | $195,000 | $505,000 | $286,000 | $830,000 |
| Home Purchase | 4 | $910,000 | $227,000 | $335,000 | $209,000 | $282,000 |
| 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 | 296 | $41,420,000 | $139,000 | $955,000 | $239,000 | $1,169,000 |
| Not Provided | 165 | $24,805,000 | $150,000 | $505,000 | $242,000 | $1,440,000 |
| Black or African American | 58 | $6,880,000 | $118,000 | $465,000 | $310,000 | $7,500,000 |
| Hispanic | 45 | $7,325,000 | $162,000 | $505,000 | $209,000 | $850,000 |
| Asian | 10 | $1,810,000 | $181,000 | $405,000 | $256,000 | $515,000 |
| American Indian or Alaskan Native | 3 | $405,000 | $135,000 | $225,000 | $177,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $254,000 | $254,000 |
| 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) | 588 | $84,170,000 | $143,000 | $955,000 | $244,000 | $7,500,000 |
| 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 | 451 | $62,145,000 | $137,000 | $505,000 | $239,000 | $1,169,000 |
| Application Approved But Not Accepted | 60 | $8,040,000 | $134,000 | $505,000 | $321,000 | $7,500,000 |
| Application Denied By Financial Institution | 48 | $8,300,000 | $172,000 | $505,000 | $180,000 | $760,000 |
| Application Withdrawn By Applicant | 27 | $5,435,000 | $201,000 | $955,000 | $281,000 | $1,440,000 |
| File Closed For Incompleteness | 2 | $250,000 | $125,000 | $175,000 | $180,000 | $257,000 |
| 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 | 540 | $75,870,000 | $140,000 | $955,000 | $250,000 | $7,500,000 |
| Debt-To-Income Ratio | 23 | $4,345,000 | $188,000 | $505,000 | $150,000 | $518,000 |
| Credit History | 12 | $1,840,000 | $153,000 | $425,000 | $158,000 | $313,000 |
| Other | 7 | $815,000 | $116,000 | $255,000 | $134,000 | $328,000 |
| Collateral | 4 | $1,050,000 | $262,000 | $505,000 | $357,000 | $760,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $705,000 | $705,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $204,000 | $204,000 |
| 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 2023 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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