Signature Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Signature Federal Credit Union 2005 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 | Signature Federal Credit Union 12 Herbert St. Alexandria, VA 22313 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 398 |
| Total Mortgage Loan Application Amount | $31,810,000 |
| Average Mortgage Loan Application Amount | $87,118 |
| Highest Mortgage Loan Application Amount | $611,000 |
| Average Applicant Income | $84,677 |
| Highest Applicant Income | $1,787,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Signature Federal Credit Union. 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 Signature Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Signature Federal Credit Union'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 Signature Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Signature Federal Credit Union, 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 Signature Federal Credit Union's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 5 | $ 1,411,000 | $ 282,000 | $ 111,000 |
| Los Angeles County California | 3 | $ 466,000 | $ 155,000 | $ 59,000 |
| Christian County Kentucky | 3 | $ 144,000 | $ 48,000 | $ 47,000 |
| Middlesex County Massachusetts | 3 | $ 235,000 | $ 78,000 | $ 83,000 |
| Butler County Pennsylvania | 3 | $ 41,000 | $ 13,000 | $ 63,000 |
| Stafford County Virginia | 3 | $ 339,000 | $ 113,000 | $ 83,000 |
| Grays Harbor County Washington | 3 | $ 372,000 | $ 124,000 | $ 48,000 |
| Navajo County Arizona | 2 | $ 104,000 | $ 52,000 | $ 89,000 |
| Pima County Arizona | 2 | $ 100,000 | $ 50,000 | $ 58,000 |
| Arapahoe County Colorado | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Hendry County Florida | 2 | $ 128,000 | $ 64,000 | $ 85,000 |
| Peach County Georgia | 2 | $ 54,000 | $ 27,000 | $ 67,000 |
| Putnam County Indiana | 2 | $ 105,000 | $ 52,000 | $ 71,000 |
| Thomas County Kansas | 2 | $ 84,000 | $ 42,000 | $ 28,000 |
| Muhlenberg County Kentucky | 2 | $ 91,000 | $ 45,000 | $ 58,000 |
| Somerset County Maine | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Beltrami County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 48,000 |
| Pope County Minnesota | 2 | $ 30,000 | $ 15,000 | $ 43,000 |
| Suffolk County New York | 2 | $ 101,000 | $ 50,000 | $ 92,000 |
| Sullivan County New York | 2 | $ 176,000 | $ 88,000 | $ 79,000 |
| Golden Valley County North Dakota | 2 | $ 41,000 | $ 20,000 | $ 28,000 |
| Lebanon County Pennsylvania | 2 | $ 62,000 | $ 31,000 | $ 51,000 |
| Mifflin County Pennsylvania | 2 | $ 167,000 | $ 83,000 | $ 86,000 |
| Horry County South Carolina | 2 | $ 211,000 | $ 105,000 | $ 43,000 |
| Burleson County Texas | 2 | $ 300,000 | $ 150,000 | $ 57,000 |
| Caledonia County Vermont | 2 | $ 66,000 | $ 33,000 | $ 85,000 |
| Loudoun County Virginia | 2 | $ 430,000 | $ 215,000 | $ 84,000 |
| Baldwin County Alabama | 1 | $ 100,000 | $ 100,000 | $ 131,000 |
| Franklin County Alabama | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Sumter County Alabama | 1 | $ 170,000 | $ 170,000 | $ 124,000 |
| Washington County Alabama | 1 | $ 60,000 | $ 60,000 | $ 108,000 |
| Kenai Peninsula County Alaska | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Cochise County Arizona | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Maricopa County Arizona | 1 | $ 100,000 | $ 100,000 | $ 131,000 |
| Baxter County Arkansas | 1 | $ 16,000 | $ 16,000 | $ 45,000 |
| Benton County Arkansas | 1 | $ 22,000 | $ 22,000 | $ 60,000 |
| Independence County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 118,000 |
| Lawrence County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Nevada County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Washington County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Butte County California | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Mendocino County California | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Riverside County California | 1 | $ 150,000 | $ 150,000 | $ 147,000 |
| San Joaquin County California | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Sierra County California | 1 | $ 43,000 | $ 43,000 | $ 58,000 |
| Solano County California | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Chaffee County Colorado | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| El Paso County Colorado | 1 | $ 107,000 | $ 107,000 | $ 47,000 |
| Rio Grande County Colorado | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
| Hartford County Connecticut | 1 | $ 28,000 | $ 28,000 | $ 85,000 |
| District of Columbia County District Of Columbia | 1 | $ 22,000 | $ 22,000 | $ 101,000 |
| Alachua County Florida | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Escambia County Florida | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Franklin County Florida | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Lake County Florida | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Orange County Florida | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Putnam County Florida | 1 | $ 43,000 | $ 43,000 | $ 84,000 |
| Sarasota County Florida | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| Volusia County Florida | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Brantley County Georgia | 1 | $ 27,000 | $ 27,000 | $ 145,000 |
| Chatham County Georgia | 1 | $ 51,000 | $ 51,000 | $ 11,000 |
| Clayton County Georgia | 1 | $ 32,000 | $ 32,000 | $ 66,000 |
| Cobb County Georgia | 1 | $ 317,000 | $ 317,000 | $ 76,000 |
| Colquitt County Georgia | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Fulton County Georgia | 1 | $ 108,000 | $ 108,000 | $ 199,000 |
| Muscogee County Georgia | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| Adams County Idaho | 1 | $ 30,000 | $ 30,000 | $ 71,000 |
| Blaine County Idaho | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Cook County Illinois | 1 | $ 17,000 | $ 17,000 | $ 50,000 |
| Edwards County Illinois | 1 | $ 52,000 | $ 52,000 | $ 60,000 |
| Jefferson County Illinois | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Knox County Illinois | 1 | $ 53,000 | $ 53,000 | $ 17,000 |
| LaSalle County Illinois | 1 | $ 22,000 | $ 22,000 | $ 60,000 |
| Moultrie County Illinois | 1 | $ 13,000 | $ 13,000 | $ 57,000 |
| Piatt County Illinois | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Pulaski County Illinois | 1 | $ 74,000 | $ 74,000 | $ 66,000 |
| Cass County Indiana | 1 | $ 71,000 | $ 71,000 | $ 75,000 |
| Decatur County Indiana | 1 | $ 21,000 | $ 21,000 | $ 75,000 |
| Fayette County Indiana | 1 | $ 90,000 | $ 90,000 | $ 65,000 |
| Miami County Indiana | 1 | $ 40,000 | $ 40,000 | $ 132,000 |
| Scott County Indiana | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Cerro Gordo County Iowa | 1 | $ 41,000 | $ 41,000 | $ 91,000 |
| Ida County Iowa | 1 | $ 160,000 | $ 160,000 | $ 74,000 |
| Union County Iowa | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Montgomery County Kansas | 1 | $ 47,000 | $ 47,000 | $ 40,000 |
| Wyandotte County Kansas | 1 | $ 27,000 | $ 27,000 | $ 115,000 |
| Lawrence County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Oldham County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Warren County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 84,000 |
| Wolfe County Kentucky | 1 | $ 405,000 | $ 405,000 | $ 60,000 |
| Ascension County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 24,000 |
| Calcasieu County Louisiana | 1 | $ 42,000 | $ 42,000 | $ 63,000 |
| Concordia County Louisiana | 1 | $ 90,000 | $ 90,000 | $ 77,000 |
| Ouachita County Louisiana | 1 | $ 58,000 | $ 58,000 | $ 81,000 |
| Terrebonne County Louisiana | 1 | $ 31,000 | $ 31,000 | $ 25,000 |
| Washington County Louisiana | 1 | $ 52,000 | $ 52,000 | $ 60,000 |
| Penobscot County Maine | 1 | $ 71,000 | $ 71,000 | $ 42,000 |
| Baltimore County Maryland | 1 | $ 19,000 | $ 19,000 | $ 95,000 |
| Charles County Maryland | 1 | $ 246,000 | $ 246,000 | $ 88,000 |
| St. Mary's County Maryland | 1 | $ 355,000 | $ 355,000 | $ 228,000 |
| Washington County Maryland | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Wicomico County Maryland | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Kent County Michigan | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| St. Joseph County Michigan | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Anoka County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Cass County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Crow Wing County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 141,000 |
| Freeborn County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Hennepin County Minnesota | 1 | $ 8,000 | $ 8,000 | $ 105,000 |
| Le Sueur County Minnesota | 1 | $ 67,000 | $ 67,000 | $ 91,000 |
| Norman County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Red Lake County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Redwood County Minnesota | 1 | $ 58,000 | $ 58,000 | $ 56,000 |
| Copiah County Mississippi | 1 | $ 31,000 | $ 31,000 | $ 56,000 |
| Jones County Mississippi | 1 | $ 106,000 | $ 106,000 | $ 60,000 |
| Washington County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 55,000 |
| Atchison County Missouri | 1 | $ 59,000 | $ 59,000 | $ 56,000 |
| Cass County Missouri | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| Christian County Missouri | 1 | $ 108,000 | $ 108,000 | $ 104,000 |
| St. Clair County Missouri | 1 | $ 54,000 | $ 54,000 | $ 24,000 |
| Phillips County Montana | 1 | $ 58,000 | $ 58,000 | $ 100,000 |
| Antelope County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Johnson County Nebraska | 1 | $ 30,000 | $ 30,000 | $ 101,000 |
| Clark County Nevada | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Washoe County Nevada | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Carroll County New Hampshire | 1 | $ 113,000 | $ 113,000 | $ 120,000 |
| Cheshire County New Hampshire | 1 | $ 11,000 | $ 11,000 | $ 82,000 |
| Sullivan County New Hampshire | 1 | $ 34,000 | $ 34,000 | $ 26,000 |
| Camden County New Jersey | 1 | $ 92,000 | $ 92,000 | $ 131,000 |
| Gloucester County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 164,000 |
| Sussex County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Chautauqua County New York | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Erie County New York | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Greene County New York | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Onondaga County New York | 1 | $ 87,000 | $ 87,000 | $ 55,000 |
| Orange County New York | 1 | $ 10,000 | $ 10,000 | $ 114,000 |
| Richmond County New York | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Warren County New York | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Yates County New York | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Caldwell County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| New Hanover County North Carolina | 1 | $ 280,000 | $ 280,000 | $ 133,000 |
| Pender County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 1,787,000 |
| Pitt County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 157,000 |
| Cuyahoga County Ohio | 1 | $ 227,000 | $ 227,000 | $ 82,000 |
| Defiance County Ohio | 1 | $ 54,000 | $ 54,000 | $ 52,000 |
| Delaware County Ohio | 1 | $ 23,000 | $ 23,000 | $ 100,000 |
| Jefferson County Ohio | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Lucas County Ohio | 1 | $ 90,000 | $ 90,000 | $ 101,000 |
| Monroe County Ohio | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Sandusky County Ohio | 1 | $ 43,000 | $ 43,000 | $ 65,000 |
| Canadian County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Garfield County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Jackson County Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Kay County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Okmulgee County Oklahoma | 1 | $ 42,000 | $ 42,000 | $ 70,000 |
| Stephens County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Grant County Oregon | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Jackson County Oregon | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Jefferson County Oregon | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Lane County Oregon | 1 | $ 70,000 | $ 70,000 | $ 94,000 |
| Bradford County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 75,000 |
| Fayette County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Greene County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 24,000 |
| Huntingdon County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Indiana County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| Lehigh County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 42,000 |
| McKean County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 18,000 |
| Northampton County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 72,000 |
| Schuylkill County Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 120,000 |
| Dorchester County South Carolina | 1 | $ 39,000 | $ 39,000 | $ 40,000 |
| Oconee County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Bon Homme County South Dakota | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Davison County South Dakota | 1 | $ 14,000 | $ 14,000 | $ 57,000 |
| Perkins County South Dakota | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Dickson County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 107,000 |
| Putnam County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Bell County Texas | 1 | $ 16,000 | $ 16,000 | $ 43,000 |
| Camp County Texas | 1 | $ 54,000 | $ 54,000 | $ 88,000 |
| Collin County Texas | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Coryell County Texas | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Dallas County Texas | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Henderson County Texas | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Jeff Davis County Texas | 1 | $ 38,000 | $ 38,000 | $ 45,000 |
| Lampasas County Texas | 1 | $ 44,000 | $ 44,000 | $ 74,000 |
| Liberty County Texas | 1 | $ 61,000 | $ 61,000 | $ 48,000 |
| Montague County Texas | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Uvalde County Texas | 1 | $ 138,000 | $ 138,000 | $ 81,000 |
| Walker County Texas | 1 | $ 93,000 | $ 93,000 | $ 27,000 |
| Wichita County Texas | 1 | $ 66,000 | $ 66,000 | $ 113,000 |
| Wood County Texas | 1 | $ 66,000 | $ 66,000 | $ 73,000 |
| Chittenden County Vermont | 1 | $ 9,000 | $ 9,000 | $ 63,000 |
| Rutland County Vermont | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Arlington County Virginia | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Hampton County Virginia | 1 | $ 53,000 | $ 53,000 | $ 71,000 |
| James City County Virginia | 1 | $ 86,000 | $ 86,000 | $ 94,000 |
| Lynchburg County Virginia | 1 | $ 36,000 | $ 36,000 | $ 42,000 |
| New Kent County Virginia | 1 | $ 41,000 | $ 41,000 | $ 97,000 |
| Norfolk County Virginia | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Patrick County Virginia | 1 | $ 39,000 | $ 39,000 | $ 69,000 |
| Prince William County Virginia | 1 | $ 162,000 | $ 162,000 | $ 32,000 |
| Richmond County Virginia | 1 | $ 93,000 | $ 93,000 | $ 64,000 |
| Spotsylvania County Virginia | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Warren County Virginia | 1 | $ 30,000 | $ 30,000 | $ 100,000 |
| Clark County Washington | 1 | $ 23,000 | $ 23,000 | $ 42,000 |
| Kitsap County Washington | 1 | $ 14,000 | $ 14,000 | $ 54,000 |
| Mason County Washington | 1 | $ 184,000 | $ 184,000 | $ 79,000 |
| Pierce County Washington | 1 | $ 19,000 | $ 19,000 | $ 66,000 |
| Skagit County Washington | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Snohomish County Washington | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Thurston County Washington | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Boone County West Virginia | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Jefferson County West Virginia | 1 | $ 58,000 | $ 58,000 | $ 144,000 |
| Mason County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 30,000 |
| Nicholas County West Virginia | 1 | $ 101,000 | $ 101,000 | $ 88,000 |
| Wood County West Virginia | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Douglas County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Grant County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 96,000 |
| Polk County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 82,000 |
| Washington County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Fremont County Wyoming | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Signature Federal Credit Union in 2005
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 | 164 | $7,222,000 | $47,500 | $160,000 | $109,340 | $1,787,000 |
| Refinancing | 162 | $14,600,000 | $89,488 | $405,000 | $63,279 | $228,000 |
| Home Purchase | 72 | $9,988,000 | $140,064 | $611,000 | $79,354 | $1,152,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 313 | $19,378,000 | $63,734 | $405,000 | $78,367 | $1,787,000 |
| White | 67 | $9,476,000 | $131,964 | $611,000 | $82,642 | $1,152,000 |
| Black or African American | 14 | $2,313,000 | $160,833 | $317,000 | $82,833 | $199,000 |
| Hispanic | 3 | $483,000 | $161,000 | $271,000 | $61,666 | $100,000 |
| American Indian or Alaskan Native | 1 | $160,000 | $160,000 | $160,000 | $70,000 | $70,000 |
| Asian | 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) | 397 | $31,780,000 | $77,326 | $611,000 | $72,326 | $1,787,000 |
| FHA-insured (Federal Housing Administration) | 1 | $30,000 | $30,000 | $30,000 | $28,000 | $28,000 |
| 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 | 204 | $14,264,000 | $66,674 | $611,000 | $83,325 | $1,787,000 |
| Application Withdrawn By Applicant | 152 | $14,538,000 | $94,543 | $559,000 | $62,739 | $1,152,000 |
| Application Denied By Financial Institution | 42 | $3,008,000 | $75,545 | $305,000 | $77,181 | $144,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $1,438,000 | $72,312 | $305,000 | $73,750 | $105,000 |
| Credit History | 15 | $1,214,000 | $79,111 | $190,000 | $85,333 | $144,000 |
| Other | 4 | $110,000 | $27,500 | $61,000 | $76,000 | $118,000 |
| Mortgage Insurance Denied | 1 | $200,000 | $200,000 | $200,000 | $80,000 | $80,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 Signature Federal Credit Union's 2005 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 Signature Federal Credit Union'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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