Signature Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Signature Federal Credit Union 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 | 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 | 471 |
| Total Mortgage Loan Application Amount | $37,955,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Bernardino County California | 4 | $ 362,000 | $ 90,000 | $ 80,000 |
| Charles County Maryland | 4 | $ 415,000 | $ 103,000 | $ 87,000 |
| Loudoun County Virginia | 3 | $ 327,000 | $ 109,000 | $ 124,000 |
| Prince William County Virginia | 3 | $ 300,000 | $ 100,000 | $ 86,000 |
| Maricopa County Arizona | 2 | $ 208,000 | $ 104,000 | $ 90,000 |
| El Paso County Colorado | 2 | $ 62,000 | $ 31,000 | $ 107,000 |
| San Miguel County Colorado | 2 | $ 157,000 | $ 78,000 | $ 68,000 |
| Litchfield County Connecticut | 2 | $ 572,000 | $ 286,000 | $ 113,000 |
| Okaloosa County Florida | 2 | $ 461,000 | $ 230,000 | $ 141,000 |
| Suwannee County Florida | 2 | $ 87,000 | $ 43,000 | $ 71,000 |
| Will County Illinois | 2 | $ 65,000 | $ 32,000 | $ 70,000 |
| Fayette County Iowa | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Christian County Kentucky | 2 | $ 72,000 | $ 36,000 | $ 55,000 |
| Carroll County Maryland | 2 | $ 100,000 | $ 50,000 | $ 69,000 |
| Wicomico County Maryland | 2 | $ 70,000 | $ 35,000 | $ 68,000 |
| Phillips County Montana | 2 | $ 254,000 | $ 127,000 | $ 65,000 |
| Santa Fe County New Mexico | 2 | $ 112,000 | $ 56,000 | $ 91,000 |
| Woods County Oklahoma | 2 | $ 75,000 | $ 37,000 | $ 42,000 |
| Yamhill County Oregon | 2 | $ 242,000 | $ 121,000 | $ 105,000 |
| Luzerne County Pennsylvania | 2 | $ 195,000 | $ 97,000 | $ 100,000 |
| Lexington County South Carolina | 2 | $ 100,000 | $ 50,000 | $ 62,000 |
| Henderson County Texas | 2 | $ 73,000 | $ 36,000 | $ 55,000 |
| Victoria County Texas | 2 | $ 25,000 | $ 12,000 | $ 71,000 |
| Appomattox County Virginia | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Chilton County Alabama | 1 | $ 191,000 | $ 191,000 | $ 140,000 |
| Clarke County Alabama | 1 | $ 33,000 | $ 33,000 | $ 61,000 |
| Lawrence County Alabama | 1 | $ 26,000 | $ 26,000 | $ 51,000 |
| Pike County Alabama | 1 | $ 31,000 | $ 31,000 | $ 74,000 |
| Shelby County Alabama | 1 | $ 38,000 | $ 38,000 | $ 109,000 |
| Pinal County Arizona | 1 | $ 26,000 | $ 26,000 | $ 50,000 |
| Yuma County Arizona | 1 | $ 40,000 | $ 40,000 | $ 98,000 |
| Boone County Arkansas | 1 | $ 27,000 | $ 27,000 | $ 73,000 |
| Carroll County Arkansas | 1 | $ 57,000 | $ 57,000 | $ 48,000 |
| Craighead County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Hempstead County Arkansas | 1 | $ 17,000 | $ 17,000 | $ 69,000 |
| Howard County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 167,000 |
| Colusa County California | 1 | $ 187,000 | $ 187,000 | $ 62,000 |
| Lake County California | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Los Angeles County California | 1 | $ 110,000 | $ 110,000 | $ 141,000 |
| Nevada County California | 1 | $ 19,000 | $ 19,000 | $ 65,000 |
| Sierra County California | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Siskiyou County California | 1 | $ 40,000 | $ 40,000 | $ 71,000 |
| Sonoma County California | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Delta County Colorado | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
| Douglas County Colorado | 1 | $ 53,000 | $ 53,000 | $ 150,000 |
| La Plata County Colorado | 1 | $ 56,000 | $ 56,000 | $ 98,000 |
| Montezuma County Colorado | 1 | $ 36,000 | $ 36,000 | $ 64,000 |
| Park County Colorado | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Routt County Colorado | 1 | $ 65,000 | $ 65,000 | $ 192,000 |
| Weld County Colorado | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Hartford County Connecticut | 1 | $ 12,000 | $ 12,000 | $ 58,000 |
| Sussex County Delaware | 1 | $ 31,000 | $ 31,000 | $ 88,000 |
| District of Columbia County District Of Columbia | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Brevard County Florida | 1 | $ 208,000 | $ 208,000 | $ 83,000 |
| Broward County Florida | 1 | $ 293,000 | $ 293,000 | $ 66,000 |
| Hendry County Florida | 1 | $ 64,000 | $ 64,000 | $ 56,000 |
| Lake County Florida | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Leon County Florida | 1 | $ 109,000 | $ 109,000 | $ 258,000 |
| Pinellas County Florida | 1 | $ 140,000 | $ 140,000 | $ 50,000 |
| Gwinnett County Georgia | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
| Ware County Georgia | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Blaine County Idaho | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Custer County Idaho | 1 | $ 57,000 | $ 57,000 | $ 44,000 |
| Gooding County Idaho | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Madison County Idaho | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| Edgar County Illinois | 1 | $ 108,000 | $ 108,000 | $ 77,000 |
| Madison County Illinois | 1 | $ 32,000 | $ 32,000 | $ 81,000 |
| St. Clair County Illinois | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Lake County Indiana | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Spencer County Indiana | 1 | $ 32,000 | $ 32,000 | $ 44,000 |
| Starke County Indiana | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Buena Vista County Iowa | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Ida County Iowa | 1 | $ 32,000 | $ 32,000 | $ 96,000 |
| Mitchell County Iowa | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Pottawattamie County Iowa | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Union County Iowa | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Edwards County Kansas | 1 | $ 38,000 | $ 38,000 | $ 78,000 |
| Ford County Kansas | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Jefferson County Kansas | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Kingman County Kansas | 1 | $ 79,000 | $ 79,000 | $ 142,000 |
| Montgomery County Kansas | 1 | $ 50,000 | $ 50,000 | $ 106,000 |
| Osage County Kansas | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Pratt County Kansas | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Boyd County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 132,000 |
| Daviess County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 82,000 |
| Fayette County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 68,000 |
| Hardin County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 70,000 |
| Wolfe County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 83,000 |
| Ascension County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Iberia County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Lafourche County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Ouachita County Louisiana | 1 | $ 7,000 | $ 7,000 | $ 50,000 |
| Tangipahoa County Louisiana | 1 | $ 59,000 | $ 59,000 | $ 57,000 |
| Terrebonne County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 122,000 |
| Androscoggin County Maine | 1 | $ 11,000 | $ 11,000 | $ 69,000 |
| Kennebec County Maine | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Anne Arundel County Maryland | 1 | $ 18,000 | $ 18,000 | $ 125,000 |
| Calvert County Maryland | 1 | $ 19,000 | $ 19,000 | $ 107,000 |
| Frederick County Maryland | 1 | $ 47,000 | $ 47,000 | $ 79,000 |
| Harford County Maryland | 1 | $ 60,000 | $ 60,000 | $ 146,000 |
| Prince George's County Maryland | 1 | $ 243,000 | $ 243,000 | $ 86,000 |
| Washington County Maryland | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Essex County Massachusetts | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Hampshire County Massachusetts | 1 | $ 60,000 | $ 60,000 | $ 130,000 |
| Worcester County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Baraga County Michigan | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| Houghton County Michigan | 1 | $ 20,000 | $ 20,000 | $ 47,000 |
| Kent County Michigan | 1 | $ 131,000 | $ 131,000 | $ 95,000 |
| St. Joseph County Michigan | 1 | $ 48,000 | $ 48,000 | $ 57,000 |
| Wayne County Michigan | 1 | $ 16,000 | $ 16,000 | $ 79,000 |
| Beltrami County Minnesota | 1 | $ 53,000 | $ 53,000 | $ 54,000 |
| Blue Earth County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Carver County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Grant County Minnesota | 1 | $ 47,000 | $ 47,000 | $ 84,000 |
| Kandiyohi County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 88,000 |
| Kittson County Minnesota | 1 | $ 23,000 | $ 23,000 | $ 94,000 |
| Lake of the Woods County Minnesota | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Rock County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Carroll County Mississippi | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Buchanan County Missouri | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Christian County Missouri | 1 | $ 26,000 | $ 26,000 | $ 83,000 |
| Clinton County Missouri | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Greene County Missouri | 1 | $ 40,000 | $ 40,000 | $ 87,000 |
| Marion County Missouri | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Morgan County Missouri | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Randolph County Missouri | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Ste. Genevieve County Missouri | 1 | $ 20,000 | $ 20,000 | $ 113,000 |
| Hill County Montana | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Lewis and Clark County Montana | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Lancaster County Nebraska | 1 | $ 44,000 | $ 44,000 | $ 95,000 |
| Lincoln County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 108,000 |
| Scotts Bluff County Nebraska | 1 | $ 66,000 | $ 66,000 | $ 109,000 |
| Clark County Nevada | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Mercer County New Jersey | 1 | $ 238,000 | $ 238,000 | $ 107,000 |
| Middlesex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 110,000 |
| Monmouth County New Jersey | 1 | $ 240,000 | $ 240,000 | $ 69,000 |
| Warren County New Jersey | 1 | $ 169,000 | $ 169,000 | $ 72,000 |
| Dona Ana County New Mexico | 1 | $ 74,000 | $ 74,000 | $ 64,000 |
| Rio Arriba County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Torrance County New Mexico | 1 | $ 36,000 | $ 36,000 | $ 64,000 |
| Chautauqua County New York | 1 | $ 70,000 | $ 70,000 | $ 45,000 |
| Erie County New York | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Hamilton County New York | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Montgomery County New York | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Rensselaer County New York | 1 | $ 36,000 | $ 36,000 | $ 91,000 |
| Rockland County New York | 1 | $ 46,000 | $ 46,000 | $ 107,000 |
| Schenectady County New York | 1 | $ 60,000 | $ 60,000 | $ 93,000 |
| Sullivan County New York | 1 | $ 24,000 | $ 24,000 | $ 65,000 |
| Brunswick County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Edgecombe County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Mecklenburg County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 69,000 |
| Watauga County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Cavalier County North Dakota | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Pierce County North Dakota | 1 | $ 47,000 | $ 47,000 | $ 43,000 |
| Cuyahoga County Ohio | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Hamilton County Ohio | 1 | $ 53,000 | $ 53,000 | $ 62,000 |
| Madison County Ohio | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Muskingum County Ohio | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Ross County Ohio | 1 | $ 43,000 | $ 43,000 | $ 79,000 |
| Sandusky County Ohio | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Craig County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Custer County Oklahoma | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| McClain County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Oklahoma County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Stephens County Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 11,000 |
| Tillman County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 106,000 |
| Deschutes County Oregon | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Marion County Oregon | 1 | $ 38,000 | $ 38,000 | $ 58,000 |
| Multnomah County Oregon | 1 | $ 82,000 | $ 82,000 | $ 134,000 |
| Allegheny County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 59,000 |
| Berks County Pennsylvania | 1 | $ 540,000 | $ 540,000 | $ 102,000 |
| Cambria County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 96,000 |
| Fulton County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 89,000 |
| Jefferson County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Montgomery County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 70,000 |
| Wayne County Pennsylvania | 1 | $ 16,000 | $ 16,000 | $ 30,000 |
| Brown County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Corson County South Dakota | 1 | $ 16,000 | $ 16,000 | $ 50,000 |
| Davison County South Dakota | 1 | $ 37,000 | $ 37,000 | $ 60,000 |
| McCook County South Dakota | 1 | $ 36,000 | $ 36,000 | $ 67,000 |
| Campbell County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 96,000 |
| Putnam County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 49,000 |
| Brazos County Texas | 1 | $ 64,000 | $ 64,000 | $ 72,000 |
| Burleson County Texas | 1 | $ 50,000 | $ 50,000 | $ 88,000 |
| Ellis County Texas | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Harrison County Texas | 1 | $ 62,000 | $ 62,000 | $ 147,000 |
| Hopkins County Texas | 1 | $ 24,000 | $ 24,000 | $ 97,000 |
| Lamar County Texas | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Lubbock County Texas | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Matagorda County Texas | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Parker County Texas | 1 | $ 38,000 | $ 38,000 | $ 118,000 |
| Runnels County Texas | 1 | $ 60,000 | $ 60,000 | $ 74,000 |
| Rusk County Texas | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Smith County Texas | 1 | $ 88,000 | $ 88,000 | $ 102,000 |
| Uvalde County Texas | 1 | $ 48,000 | $ 48,000 | $ 63,000 |
| Williamson County Texas | 1 | $ 129,000 | $ 129,000 | $ 95,000 |
| Carbon County Utah | 1 | $ 57,000 | $ 57,000 | $ 52,000 |
| Juab County Utah | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Wayne County Utah | 1 | $ 10,000 | $ 10,000 | $ 71,000 |
| Bennington County Vermont | 1 | $ 272,000 | $ 272,000 | $ 56,000 |
| Lamoille County Vermont | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Orleans County Vermont | 1 | $ 11,000 | $ 11,000 | $ 47,000 |
| Washington County Vermont | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Caroline County Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Fairfax County Virginia | 1 | $ 70,000 | $ 70,000 | $ 52,000 |
| Fauquier County Virginia | 1 | $ 80,000 | $ 80,000 | $ 171,000 |
| Lancaster County Virginia | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Mathews County Virginia | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Roanoke County Virginia | 1 | $ 48,000 | $ 48,000 | $ 93,000 |
| Cowlitz County Washington | 1 | $ 117,000 | $ 117,000 | $ 43,000 |
| Island County Washington | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Lewis County Washington | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Pierce County Washington | 1 | $ 23,000 | $ 23,000 | $ 90,000 |
| San Juan County Washington | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Whatcom County Washington | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Boone County West Virginia | 1 | $ 16,000 | $ 16,000 | $ 79,000 |
| Greenbrier County West Virginia | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Jefferson County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Raleigh County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Columbia County Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Outagamie County Wisconsin | 1 | $ 41,000 | $ 41,000 | $ 123,000 |
| Shawano County Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 66,000 |
| Vilas County Wisconsin | 1 | $ 114,000 | $ 114,000 | $ 57,000 |
| Washburn County Wisconsin | 1 | $ 79,000 | $ 79,000 | $ 67,000 |
| Lincoln County Wyoming | 1 | $ 144,000 | $ 144,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Signature Federal Credit Union 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 |
|---|---|---|---|---|---|---|
| Refinancing | 213 | $17,587,000 | $82,000 | $540,000 | $77,000 | $297,000 |
| Home Improvement | 153 | $6,406,000 | $41,000 | $250,000 | $77,000 | $185,000 |
| Home Purchase | 105 | $13,962,000 | $132,000 | $460,000 | $67,000 | $300,000 |
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 | 357 | $23,349,000 | $65,000 | $472,000 | $75,000 | $300,000 |
| White | 92 | $11,827,000 | $128,000 | $460,000 | $72,000 | $170,000 |
| Black or African American | 8 | $1,370,000 | $171,000 | $540,000 | $95,000 | $258,000 |
| Hispanic | 8 | $781,000 | $97,000 | $243,000 | $75,000 | $95,000 |
| American Indian or Alaskan Native | 4 | $508,000 | $127,000 | $230,000 | $76,000 | $112,000 |
| Asian | 2 | $120,000 | $60,000 | $70,000 | $120,000 | $124,000 |
| 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) | 471 | $37,955,000 | $80,000 | $540,000 | $75,000 | $300,000 |
| 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 | 209 | $13,223,000 | $63,000 | $472,000 | $79,000 | $258,000 |
| Application Withdrawn By Applicant | 184 | $18,353,000 | $99,000 | $460,000 | $74,000 | $300,000 |
| Application Denied By Financial Institution | 74 | $6,053,000 | $81,000 | $540,000 | $65,000 | $142,000 |
| Application Approved But Not Accepted | 2 | $62,000 | $31,000 | $52,000 | $86,000 | $120,000 |
| File Closed For Incompleteness | 2 | $264,000 | $132,000 | $139,000 | $42,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 39 | $3,420,000 | $87,000 | $540,000 | $61,000 | $119,000 |
| Credit History | 19 | $1,595,000 | $83,000 | $210,000 | $70,000 | $142,000 |
| Other | 10 | $602,000 | $60,000 | $165,000 | $73,000 | $131,000 |
| Collateral | 3 | $69,000 | $23,000 | $37,000 | $84,000 | $132,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Signature Federal Credit Union'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 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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