Credit Union Financial Service
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Credit Union Financial Service 2003 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 | 2003 |
| Total Number of Mortgage Applications | 889 |
| Total Mortgage Loan Application Amount | $108,342,000 |
| Average Mortgage Loan Application Amount | $132,400 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $85,850 |
| Highest Applicant Income | $504,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 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 2003 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 2003.
| 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 | 142 | $ 16,536,000 | $ 116,000 | $ 64,000 |
| Gwinnett County Georgia | 131 | $ 17,561,000 | $ 134,000 | $ 71,000 |
| Fulton County Georgia | 116 | $ 16,505,000 | $ 142,000 | $ 80,000 |
| Henry County Georgia | 64 | $ 8,463,000 | $ 132,000 | $ 72,000 |
| Clayton County Georgia | 43 | $ 4,409,000 | $ 102,000 | $ 54,000 |
| Cobb County Georgia | 42 | $ 5,426,000 | $ 129,000 | $ 87,000 |
| Rockdale County Georgia | 24 | $ 2,884,000 | $ 120,000 | $ 75,000 |
| Newton County Georgia | 20 | $ 2,028,000 | $ 101,000 | $ 50,000 |
| Paulding County Georgia | 20 | $ 2,155,000 | $ 107,000 | $ 62,000 |
| Whitfield County Georgia | 20 | $ 1,606,000 | $ 80,000 | $ 41,000 |
| Coweta County Georgia | 17 | $ 2,398,000 | $ 141,000 | $ 92,000 |
| Hall County Georgia | 17 | $ 2,129,000 | $ 125,000 | $ 65,000 |
| Walton County Georgia | 16 | $ 1,834,000 | $ 114,000 | $ 62,000 |
| Douglas County Georgia | 14 | $ 1,466,000 | $ 104,000 | $ 60,000 |
| Forsyth County Georgia | 14 | $ 2,346,000 | $ 167,000 | $ 77,000 |
| Richmond County Georgia | 12 | $ 877,000 | $ 73,000 | $ 60,000 |
| Cherokee County Georgia | 10 | $ 1,027,000 | $ 102,000 | $ 66,000 |
| Clarke County Georgia | 10 | $ 1,054,000 | $ 105,000 | $ 85,000 |
| Fayette County Georgia | 10 | $ 1,643,000 | $ 164,000 | $ 95,000 |
| Bibb County Georgia | 9 | $ 720,000 | $ 80,000 | $ 71,000 |
| Laurens County Georgia | 8 | $ 774,000 | $ 96,000 | $ 74,000 |
| Murray County Georgia | 8 | $ 687,000 | $ 85,000 | $ 46,000 |
| Carroll County Georgia | 7 | $ 1,006,000 | $ 143,000 | $ 84,000 |
| Columbia County Georgia | 7 | $ 589,000 | $ 84,000 | $ 62,000 |
| Bartow County Georgia | 6 | $ 909,000 | $ 151,000 | $ 57,000 |
| Chatham County Georgia | 6 | $ 687,000 | $ 114,000 | $ 53,000 |
| Barrow County Georgia | 5 | $ 405,000 | $ 81,000 | $ 71,000 |
| Floyd County Georgia | 5 | $ 500,000 | $ 100,000 | $ 48,000 |
| Jackson County Georgia | 5 | $ 743,000 | $ 148,000 | $ 70,000 |
| Aiken County South Carolina | 4 | $ 337,000 | $ 84,000 | $ 78,000 |
| Putnam County Georgia | 3 | $ 367,000 | $ 122,000 | $ 130,000 |
| Spalding County Georgia | 3 | $ 376,000 | $ 125,000 | $ 42,000 |
| Broward County Florida | 2 | $ 441,000 | $ 220,000 | $ 92,000 |
| Miami-Dade County Florida | 2 | $ 294,000 | $ 147,000 | $ 90,000 |
| Bryan County Georgia | 2 | $ 165,000 | $ 82,000 | $ 68,000 |
| Bulloch County Georgia | 2 | $ 442,000 | $ 221,000 | $ 104,000 |
| Burke County Georgia | 2 | $ 149,000 | $ 74,000 | $ 63,000 |
| Franklin County Georgia | 2 | $ 180,000 | $ 90,000 | $ 112,000 |
| Greene County Georgia | 2 | $ 128,000 | $ 64,000 | $ 35,000 |
| Habersham County Georgia | 2 | $ 105,000 | $ 52,000 | $ 36,000 |
| Haralson County Georgia | 2 | $ 209,000 | $ 104,000 | $ 61,000 |
| Jenkins County Georgia | 2 | $ 167,000 | $ 83,000 | $ 91,000 |
| Jones County Georgia | 2 | $ 321,000 | $ 160,000 | $ 65,000 |
| Liberty County Georgia | 2 | $ 252,000 | $ 126,000 | $ 41,000 |
| Madison County Georgia | 2 | $ 114,000 | $ 57,000 | $ 49,000 |
| Mitchell County Georgia | 2 | $ 126,000 | $ 63,000 | $ 47,000 |
| White County Georgia | 2 | $ 253,000 | $ 126,000 | $ 90,000 |
| Lee County Alabama | 1 | $ 180,000 | $ 180,000 | $ 73,000 |
| Anchorage County Alaska | 1 | $ 280,000 | $ 280,000 | $ 168,000 |
| Los Angeles County California | 1 | $ 158,000 | $ 158,000 | $ 84,000 |
| Alachua County Florida | 1 | $ 126,000 | $ 126,000 | $ 37,000 |
| Highlands County Florida | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Monroe County Florida | 1 | $ 99,000 | $ 99,000 | $ 108,000 |
| Orange County Florida | 1 | $ 1,000 | $ 1,000 | $ 73,000 |
| Banks County Georgia | 1 | $ 127,000 | $ 127,000 | $ 27,000 |
| Butts County Georgia | 1 | $ 76,000 | $ 76,000 | $ 42,000 |
| Catoosa County Georgia | 1 | $ 93,000 | $ 93,000 | $ 60,000 |
| Dawson County Georgia | 1 | $ 116,000 | $ 116,000 | $ 68,000 |
| Glynn County Georgia | 1 | $ 108,000 | $ 108,000 | $ 51,000 |
| Gordon County Georgia | 1 | $ 44,000 | $ 44,000 | $ 45,000 |
| Hart County Georgia | 1 | $ 72,000 | $ 72,000 | $ 56,000 |
| Heard County Georgia | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Houston County Georgia | 1 | $ 94,000 | $ 94,000 | $ 70,000 |
| Jasper County Georgia | 1 | $ 88,000 | $ 88,000 | $ 75,000 |
| Jefferson County Georgia | 1 | $ 57,000 | $ 57,000 | $ 33,000 |
| Lee County Georgia | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Meriwether County Georgia | 1 | $ 138,000 | $ 138,000 | $ 142,000 |
| Monroe County Georgia | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Oconee County Georgia | 1 | $ 115,000 | $ 115,000 | $ 16,000 |
| Pickens County Georgia | 1 | $ 217,000 | $ 217,000 | $ 88,000 |
| Polk County Georgia | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| Rabun County Georgia | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Tattnall County Georgia | 1 | $ 47,000 | $ 47,000 | $ 32,000 |
| Toombs County Georgia | 1 | $ 47,000 | $ 47,000 | $ 21,000 |
| Union County Georgia | 1 | $ 87,000 | $ 87,000 | $ 53,000 |
| Vigo County Indiana | 1 | $ 96,000 | $ 96,000 | $ 100,000 |
| Ouachita County Louisiana | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
| Harrison County Mississippi | 1 | $ 143,000 | $ 143,000 | $ 142,000 |
| Ocean County New Jersey | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Buncombe County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Cumberland County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 69,000 |
| Blount County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 98,000 |
| Roane County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Fort Bend County Texas | 1 | $ 152,000 | $ 152,000 | $ 144,000 |
| Harris County Texas | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Wharton County Texas | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Caroline County Virginia | 1 | $ 137,000 | $ 137,000 | $ 142,000 |
| Fredericksburg County Virginia | 1 | $ 267,000 | $ 267,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Credit Union Financial Service in 2003
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 (home purchase or home improvement, one-to-four family) | 777 | $92,223,000 | $116,727 | $500,000 | $80,909 | $214,000 |
| Home Purchase (one-to-four family) | 111 | $16,039,000 | $160,500 | $600,000 | $99,000 | $504,000 |
| Home Improvement (one-to-four family) | 1 | $80,000 | $80,000 | $80,000 | $35,000 | $35,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 528 | $65,563,000 | $142,923 | $504,000 | $93,000 | $504,000 |
| Black | 237 | $28,192,000 | $115,000 | $381,000 | $63,000 | $214,000 |
| Information not provided by applicant in mail or telephone application | 88 | $10,620,000 | $99,000 | $600,000 | $65,500 | $232,000 |
| Hispanic | 12 | $1,367,000 | $116,000 | $230,000 | $62,500 | $127,000 |
| American Indian or Alaskan Native | 12 | $1,134,000 | $94,000 | $136,000 | $54,000 | $100,000 |
| Asian or Pacific Islander | 9 | $1,056,000 | $132,500 | $152,000 | $110,500 | $144,000 |
| Other | 3 | $410,000 | $136,000 | $187,000 | $57,000 | $86,000 |
| 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) | 889 | $108,342,000 | $134,928 | $600,000 | $90,571 | $504,000 |
| 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 | 789 | $96,702,000 | $135,571 | $600,000 | $91,214 | $504,000 |
| Application Withdrawn By Applicant | 52 | $5,897,000 | $87,000 | $320,000 | $68,500 | $139,000 |
| Application Denied By Financial Institution | 28 | $3,058,000 | $109,000 | $245,000 | $59,000 | $158,000 |
| File Closed For Incompleteness | 20 | $2,685,000 | $134,000 | $228,000 | $54,000 | $103,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 8 | $755,000 | $94,000 | $115,000 | $61,000 | $158,000 |
| Debt-To-Income Ratio | 6 | $661,000 | $110,000 | $245,000 | $52,000 | $101,000 |
| Credit History | 5 | $640,000 | $128,000 | $217,000 | $69,000 | $138,000 |
| Employment History | 2 | $172,000 | $86,000 | $109,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $132,000 | $132,000 | $132,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 1 | $199,000 | $199,000 | $199,000 | $94,000 | $94,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Financial Service's 2003 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.