Credit Union Financial Service
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Credit Union Financial Service 2004 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 | 2005 2004 |
| Total Number of Mortgage Applications | 427 |
| Total Mortgage Loan Application Amount | $54,436,000 |
| Average Mortgage Loan Application Amount | $155,117 |
| Highest Mortgage Loan Application Amount | $710,000 |
| Average Applicant Income | $105,588 |
| Highest Applicant Income | $429,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DeKalb County Georgia | 63 | $ 7,808,000 | $ 123,000 | $ 64,000 |
| Gwinnett County Georgia | 57 | $ 8,309,000 | $ 145,000 | $ 66,000 |
| Fulton County Georgia | 49 | $ 6,212,000 | $ 126,000 | $ 64,000 |
| Henry County Georgia | 21 | $ 2,805,000 | $ 133,000 | $ 69,000 |
| Clayton County Georgia | 20 | $ 2,178,000 | $ 108,000 | $ 55,000 |
| Cobb County Georgia | 20 | $ 3,312,000 | $ 165,000 | $ 81,000 |
| Chatham County Georgia | 15 | $ 1,364,000 | $ 90,000 | $ 63,000 |
| Coweta County Georgia | 13 | $ 2,144,000 | $ 164,000 | $ 79,000 |
| Paulding County Georgia | 11 | $ 1,262,000 | $ 114,000 | $ 64,000 |
| Hall County Georgia | 10 | $ 866,000 | $ 86,000 | $ 57,000 |
| Douglas County Georgia | 8 | $ 1,174,000 | $ 146,000 | $ 89,000 |
| Barrow County Georgia | 7 | $ 867,000 | $ 123,000 | $ 61,000 |
| Rockdale County Georgia | 7 | $ 599,000 | $ 85,000 | $ 44,000 |
| Walton County Georgia | 7 | $ 835,000 | $ 119,000 | $ 58,000 |
| Clarke County Georgia | 6 | $ 749,000 | $ 124,000 | $ 100,000 |
| Hinds County Mississippi | 6 | $ 288,000 | $ 48,000 | $ 74,000 |
| Forsyth County Georgia | 5 | $ 722,000 | $ 144,000 | $ 70,000 |
| Bibb County Georgia | 4 | $ 331,000 | $ 82,000 | $ 44,000 |
| Columbia County Georgia | 4 | $ 521,000 | $ 130,000 | $ 136,000 |
| Dougherty County Georgia | 4 | $ 224,000 | $ 56,000 | $ 72,000 |
| Newton County Georgia | 4 | $ 374,000 | $ 93,000 | $ 50,000 |
| Tift County Georgia | 4 | $ 225,000 | $ 56,000 | $ 53,000 |
| Bartow County Georgia | 3 | $ 239,000 | $ 79,000 | $ 52,000 |
| Bulloch County Georgia | 3 | $ 311,000 | $ 103,000 | $ 66,000 |
| Cherokee County Georgia | 3 | $ 510,000 | $ 170,000 | $ 94,000 |
| Oconee County Georgia | 3 | $ 343,000 | $ 114,000 | $ 63,000 |
| Harris County Texas | 3 | $ 665,000 | $ 221,000 | $ 120,000 |
| Jefferson County Alabama | 2 | $ 181,000 | $ 90,000 | $ 63,000 |
| Bryan County Georgia | 2 | $ 279,000 | $ 139,000 | $ 96,000 |
| Floyd County Georgia | 2 | $ 135,000 | $ 67,000 | $ 75,000 |
| Jackson County Georgia | 2 | $ 153,000 | $ 76,000 | $ 38,000 |
| Jasper County Georgia | 2 | $ 198,000 | $ 99,000 | $ 72,000 |
| Laurens County Georgia | 2 | $ 238,000 | $ 119,000 | $ 42,000 |
| Murray County Georgia | 2 | $ 151,000 | $ 75,000 | $ 28,000 |
| Oglethorpe County Georgia | 2 | $ 247,000 | $ 123,000 | $ 71,000 |
| Pike County Georgia | 2 | $ 678,000 | $ 339,000 | $ 51,000 |
| Richmond County Georgia | 2 | $ 189,000 | $ 94,000 | $ 63,000 |
| Towns County Georgia | 2 | $ 193,000 | $ 96,000 | $ 59,000 |
| Union County Georgia | 2 | $ 384,000 | $ 192,000 | $ 57,000 |
| White County Georgia | 2 | $ 316,000 | $ 158,000 | $ 60,000 |
| Whitfield County Georgia | 2 | $ 175,000 | $ 87,000 | $ 41,000 |
| Marion County Florida | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Pinellas County Florida | 1 | $ 30,000 | $ 30,000 | $ 15,000 |
| Santa Rosa County Florida | 1 | $ 388,000 | $ 388,000 | $ 365,000 |
| Volusia County Florida | 1 | $ 98,000 | $ 98,000 | $ 104,000 |
| Camden County Georgia | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Carroll County Georgia | 1 | $ 132,000 | $ 132,000 | $ 53,000 |
| Catoosa County Georgia | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Chattooga County Georgia | 1 | $ 103,000 | $ 103,000 | $ 62,000 |
| Fannin County Georgia | 1 | $ 72,000 | $ 72,000 | $ 150,000 |
| Fayette County Georgia | 1 | $ 650,000 | $ 650,000 | $ 143,000 |
| Gilmer County Georgia | 1 | $ 92,000 | $ 92,000 | $ 107,000 |
| Glynn County Georgia | 1 | $ 280,000 | $ 280,000 | $ 144,000 |
| Gordon County Georgia | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Grady County Georgia | 1 | $ 92,000 | $ 92,000 | $ 67,000 |
| Greene County Georgia | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Hancock County Georgia | 1 | $ 130,000 | $ 130,000 | $ 181,000 |
| Haralson County Georgia | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Jones County Georgia | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Lincoln County Georgia | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Madison County Georgia | 1 | $ 58,000 | $ 58,000 | $ 51,000 |
| McDuffie County Georgia | 1 | $ 106,000 | $ 106,000 | $ 35,000 |
| McIntosh County Georgia | 1 | $ 154,000 | $ 154,000 | $ 42,000 |
| Meriwether County Georgia | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| Monroe County Georgia | 1 | $ 113,000 | $ 113,000 | $ 102,000 |
| Polk County Georgia | 1 | $ 117,000 | $ 117,000 | $ 41,000 |
| Spalding County Georgia | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Stephens County Georgia | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Sumter County Georgia | 1 | $ 67,000 | $ 67,000 | $ 19,000 |
| Taylor County Georgia | 1 | $ 54,000 | $ 54,000 | $ 83,000 |
| Troup County Georgia | 1 | $ 190,000 | $ 190,000 | $ 126,000 |
| Grafton County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 148,000 |
| Henry County Ohio | 1 | $ 351,000 | $ 351,000 | $ 220,000 |
| Warren County Ohio | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Anderson County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Knox County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Montgomery County Texas | 1 | $ 141,000 | $ 141,000 | $ 142,000 |
| Chesterfield County Virginia | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Manassas County Virginia | 1 | $ 140,000 | $ 140,000 | $ 193,000 |
| Marion County West Virginia | 1 | $ 117,000 | $ 117,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Credit Union Financial Service in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 297 | $37,476,000 | $108,500 | $710,000 | $88,333 | $365,000 |
| Home Purchase | 128 | $16,814,000 | $191,300 | $424,000 | $121,000 | $429,000 |
| Home Improvement | 2 | $146,000 | $73,000 | $77,000 | $55,000 | $65,000 |
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 | 254 | $34,810,000 | $170,400 | $710,000 | $116,600 | $429,000 |
| Black or African American | 142 | $15,467,000 | $99,500 | $269,000 | $59,500 | $194,000 |
| Not Provided | 16 | $2,443,000 | $147,000 | $650,000 | $110,000 | $155,000 |
| Hispanic | 7 | $828,000 | $103,000 | $236,000 | $92,333 | $130,000 |
| Asian | 5 | $511,000 | $102,000 | $130,000 | $37,000 | $61,000 |
| American Indian or Alaskan Native | 2 | $97,000 | $48,000 | $50,000 | $31,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $280,000 | $280,000 | $280,000 | $66,000 | $66,000 |
| 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) | 427 | $54,436,000 | $152,000 | $710,000 | $107,181 | $429,000 |
| 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 | 418 | $52,885,000 | $151,909 | $710,000 | $107,181 | $429,000 |
| Application Denied By Financial Institution | 4 | $406,000 | $101,000 | $166,000 | $50,000 | $75,000 |
| Application Withdrawn By Applicant | 4 | $495,000 | $123,000 | $256,000 | $65,000 | $77,000 |
| File Closed For Incompleteness | 1 | $650,000 | $650,000 | $650,000 | $143,000 | $143,000 |
| 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 | $120,000 | $120,000 | $120,000 | $36,000 | $36,000 |
| Employment History | 1 | $47,000 | $47,000 | $47,000 | $16,000 | $16,000 |
| Unverifiable Information | 1 | $73,000 | $73,000 | $73,000 | $75,000 | $75,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Financial Service's 2004 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.