Credit Union Financial Service
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Credit Union Financial Service 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Credit Union Financial Service 131 Northpark Trail Stockbridge, GA 30281 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 247 |
| Total Mortgage Loan Application Amount | $35,836,000 |
| Average Mortgage Loan Application Amount | $144,500 |
| Highest Mortgage Loan Application Amount | $609,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $384,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Credit Union Financial Service. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Credit Union Financial Service's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Credit Union Financial Service's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Credit Union Financial Service serves its applicants.
Each category highlights the total number of mortgage applications processed by Credit Union Financial Service, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Credit Union Financial Service's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton County Georgia | 32 | $ 5,742,000 | $ 179,000 | $ 74,000 |
| Gwinnett County Georgia | 31 | $ 5,118,000 | $ 165,000 | $ 73,000 |
| DeKalb County Georgia | 27 | $ 4,167,000 | $ 154,000 | $ 78,000 |
| Cobb County Georgia | 10 | $ 1,220,000 | $ 122,000 | $ 67,000 |
| Henry County Georgia | 10 | $ 1,472,000 | $ 147,000 | $ 50,000 |
| Hall County Georgia | 9 | $ 1,559,000 | $ 173,000 | $ 76,000 |
| Chatham County Georgia | 6 | $ 764,000 | $ 127,000 | $ 47,000 |
| Fayette County Georgia | 6 | $ 1,208,000 | $ 201,000 | $ 86,000 |
| Dougherty County Georgia | 5 | $ 623,000 | $ 124,000 | $ 72,000 |
| Liberty County Georgia | 5 | $ 270,000 | $ 54,000 | $ 72,000 |
| Newton County Georgia | 5 | $ 806,000 | $ 161,000 | $ 76,000 |
| Paulding County Georgia | 5 | $ 625,000 | $ 125,000 | $ 59,000 |
| Clayton County Georgia | 4 | $ 345,000 | $ 86,000 | $ 88,000 |
| Douglas County Georgia | 4 | $ 730,000 | $ 182,000 | $ 96,000 |
| Franklin County Georgia | 4 | $ 363,000 | $ 90,000 | $ 44,000 |
| Barrow County Georgia | 3 | $ 520,000 | $ 173,000 | $ 76,000 |
| Bibb County Georgia | 3 | $ 203,000 | $ 67,000 | $ 33,000 |
| Forsyth County Georgia | 3 | $ 382,000 | $ 127,000 | $ 125,000 |
| Lee County Georgia | 3 | $ 278,000 | $ 92,000 | $ 37,000 |
| Rockdale County Georgia | 3 | $ 479,000 | $ 159,000 | $ 95,000 |
| Walton County Georgia | 3 | $ 668,000 | $ 222,000 | $ 68,000 |
| Lee County Alabama | 2 | $ 232,000 | $ 116,000 | $ 59,000 |
| Bryan County Georgia | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Carroll County Georgia | 2 | $ 253,000 | $ 126,000 | $ 51,000 |
| Habersham County Georgia | 2 | $ 433,000 | $ 216,000 | $ 91,000 |
| Haralson County Georgia | 2 | $ 167,000 | $ 83,000 | $ 63,000 |
| Jackson County Georgia | 2 | $ 295,000 | $ 147,000 | $ 52,000 |
| Oconee County Georgia | 2 | $ 318,000 | $ 159,000 | $ 63,000 |
| Richmond County Georgia | 2 | $ 203,000 | $ 101,000 | $ 40,000 |
| Spalding County Georgia | 2 | $ 233,000 | $ 116,000 | $ 39,000 |
| Tift County Georgia | 2 | $ 250,000 | $ 125,000 | $ 16,000 |
| White County Georgia | 2 | $ 267,000 | $ 133,000 | $ 77,000 |
| Harris County Texas | 2 | $ 219,000 | $ 109,000 | $ 57,000 |
| Cherokee County Alabama | 1 | $ 129,000 | $ 129,000 | $ 87,000 |
| Bay County Florida | 1 | $ 400,000 | $ 400,000 | $ 384,000 |
| Duval County Florida | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Lake County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 280,000 | $ 280,000 | $ 130,000 |
| Bartow County Georgia | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| Bulloch County Georgia | 1 | $ 96,000 | $ 96,000 | $ 18,000 |
| Burke County Georgia | 1 | $ 109,000 | $ 109,000 | $ 63,000 |
| Cherokee County Georgia | 1 | $ 239,000 | $ 239,000 | $ 121,000 |
| Clarke County Georgia | 1 | $ 130,000 | $ 130,000 | $ 64,000 |
| Colquitt County Georgia | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Columbia County Georgia | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Coweta County Georgia | 1 | $ 124,000 | $ 124,000 | $ 72,000 |
| Crawford County Georgia | 1 | $ 70,000 | $ 70,000 | $ 97,000 |
| Decatur County Georgia | 1 | $ 151,000 | $ 151,000 | $ 100,000 |
| Effingham County Georgia | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Elbert County Georgia | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Gilmer County Georgia | 1 | $ 152,000 | $ 152,000 | $ 150,000 |
| Hancock County Georgia | 1 | $ 236,000 | $ 236,000 | $ 127,000 |
| Jasper County Georgia | 1 | $ 90,000 | $ 90,000 | $ 17,000 |
| Jones County Georgia | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Lamar County Georgia | 1 | $ 140,000 | $ 140,000 | $ 101,000 |
| Long County Georgia | 1 | $ 128,000 | $ 128,000 | $ 115,000 |
| Madison County Georgia | 1 | $ 247,000 | $ 247,000 | $ 83,000 |
| Muscogee County Georgia | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Oglethorpe County Georgia | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Polk County Georgia | 1 | $ 66,000 | $ 66,000 | $ 47,000 |
| Stephens County Georgia | 1 | $ 113,000 | $ 113,000 | $ 45,000 |
| Stewart County Georgia | 1 | $ 48,000 | $ 48,000 | $ 38,000 |
| Sumter County Georgia | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Tattnall County Georgia | 1 | $ 59,000 | $ 59,000 | $ 73,000 |
| Telfair County Georgia | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
| Walker County Georgia | 1 | $ 52,000 | $ 52,000 | $ 123,000 |
| Worth County Georgia | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| East Baton Rouge County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Orleans County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Missoula County Montana | 1 | $ 65,000 | $ 65,000 | $ 172,000 |
| Mecklenburg County North Carolina | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Aiken County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 17,000 |
| Hampton County South Carolina | 1 | $ 43,000 | $ 43,000 | $ 54,000 |
| Davidson County Tennessee | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| Sevier County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Credit Union Financial Service in 2006
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 Purchase | 142 | $20,809,000 | $146,000 | $476,000 | $71,000 | $384,000 |
| Refinancing | 105 | $15,027,000 | $143,000 | $609,000 | $71,000 | $250,000 |
| Home Improvement | 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 | 143 | $21,245,000 | $148,000 | $609,000 | $72,000 | $384,000 |
| Black or African American | 68 | $8,517,000 | $125,000 | $315,000 | $65,000 | $154,000 |
| Not Provided | 33 | $5,668,000 | $171,000 | $393,000 | $80,000 | $271,000 |
| Hispanic | 2 | $267,000 | $133,000 | $148,000 | $49,000 | $57,000 |
| Asian | 1 | $139,000 | $139,000 | $139,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 247 | $35,836,000 | $145,000 | $609,000 | $71,000 | $384,000 |
| 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 | 239 | $34,776,000 | $145,000 | $609,000 | $71,000 | $384,000 |
| File Closed For Incompleteness | 4 | $543,000 | $135,000 | $274,000 | $57,000 | $72,000 |
| Application Denied By Financial Institution | 2 | $310,000 | $155,000 | $247,000 | $63,000 | $83,000 |
| Application Withdrawn By Applicant | 2 | $207,000 | $103,000 | $157,000 | $59,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $247,000 | $247,000 | $247,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Financial Service's 2006 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 Credit Union Financial Service'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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.