Nfcu Mortgage Lending & HMDA Data, 2010

In 2010, Nfcu of Vienna, VA reported 70,082 mortgage applications totaling $14.7 billion, down 4% from 2009. The average application was for $209,724, and applicants reported an average income of $107,382. 40% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (9,086), Virginia Beach-Norfolk-Newport News, VA-NC (5,368) and San Diego-Carlsbad-San Marcos, CA (2,616) (applications in parentheses).

Mortgage Company & Address Nfcu
820 Follin Lane
Vienna, VA 22180
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 70,082
Total Mortgage Loan Application Amount $14,697,907,000
Average Mortgage Loan Application Amount $209,724
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $107,382
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Nfcu by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fairfax, Virginia 3,065 $ 990,070,000 $ 323,024 $ 166,000
San Diego, California 2,616 $ 758,897,000 $ 290,098 $ 128,000
Virginia Beach, Virginia 2,381 $ 427,182,000 $ 179,412 $ 95,000
Chesapeake, Virginia 1,054 $ 201,512,000 $ 191,187 $ 106,000
Anne Arundel, Maryland 1,052 $ 292,160,000 $ 277,718 $ 151,000
Prince George's, Maryland 1,025 $ 202,761,000 $ 197,815 $ 111,000
Duval, Florida 1,020 $ 137,157,000 $ 134,467 $ 86,000
Prince William, Virginia 972 $ 244,782,000 $ 251,833 $ 130,000
Onslow, North Carolina 900 $ 113,352,000 $ 125,946 $ 84,000
Montgomery, Maryland 893 $ 296,390,000 $ 331,903 $ 160,000
Honolulu, Hawaii 778 $ 272,101,000 $ 349,744 $ 125,000
Loudoun, Virginia 718 $ 246,625,000 $ 343,488 $ 153,000
Kitsap, Washington 715 $ 146,713,000 $ 205,193 $ 100,000
St. Mary's, Maryland 658 $ 158,257,000 $ 240,512 $ 136,000
Norfolk, Virginia 656 $ 95,048,000 $ 144,890 $ 91,000
Escambia, Florida 647 $ 83,897,000 $ 129,670 $ 86,000
Stafford, Virginia 585 $ 141,708,000 $ 242,235 $ 137,000
Charles, Maryland 547 $ 118,453,000 $ 216,550 $ 137,000
Riverside, California 503 $ 102,721,000 $ 204,216 $ 102,000
District of Columbia, District Of Columbia 472 $ 138,940,000 $ 294,364 $ 148,000
Arlington, Virginia 422 $ 158,115,000 $ 374,680 $ 176,000
New London, Connecticut 418 $ 76,616,000 $ 183,291 $ 104,000
Camden, Georgia 409 $ 55,853,000 $ 136,559 $ 78,000
Bexar, Texas 338 $ 52,025,000 $ 153,920 $ 107,000
Maricopa, Arizona 329 $ 59,514,000 $ 180,893 $ 108,000
Spotsylvania, Virginia 327 $ 76,194,000 $ 233,009 $ 118,000
Clay, Florida 323 $ 50,206,000 $ 155,436 $ 91,000
Suffolk, Virginia 317 $ 67,676,000 $ 213,488 $ 102,000
Los Angeles, California 313 $ 99,596,000 $ 318,198 $ 135,000
Orange, California 312 $ 111,760,000 $ 358,205 $ 143,000
Alexandria, Virginia 312 $ 113,031,000 $ 362,278 $ 192,000
Beaufort, South Carolina 310 $ 51,692,000 $ 166,748 $ 89,000
Hillsborough, Florida 291 $ 56,160,000 $ 192,989 $ 115,000
Craven, North Carolina 288 $ 42,150,000 $ 146,354 $ 97,000
Tarrant, Texas 270 $ 39,565,000 $ 146,537 $ 105,000
Calvert, Maryland 266 $ 68,737,000 $ 258,409 $ 147,000
Santa Rosa, Florida 265 $ 39,136,000 $ 147,683 $ 89,000
Howard, Maryland 253 $ 80,553,000 $ 318,391 $ 149,000
Clark, Nevada 246 $ 41,242,000 $ 167,650 $ 107,000
Portsmouth, Virginia 246 $ 33,681,000 $ 136,914 $ 75,000
Orange, Florida 234 $ 37,432,000 $ 159,965 $ 91,000
Harris, Texas 228 $ 39,805,000 $ 174,583 $ 135,000
Charleston, South Carolina 217 $ 41,044,000 $ 189,142 $ 98,000
Newport, Rhode Island 213 $ 50,338,000 $ 236,328 $ 124,000
Wake, North Carolina 208 $ 41,660,000 $ 200,288 $ 111,000
Berkeley, South Carolina 207 $ 32,464,000 $ 156,830 $ 83,000
Island, Washington 206 $ 36,228,000 $ 175,864 $ 98,000
Yuma, Arizona 205 $ 30,401,000 $ 148,297 $ 76,000
Shelby, Tennessee 201 $ 32,319,000 $ 160,791 $ 106,000
King, Washington 194 $ 58,852,000 $ 303,360 $ 144,000
San Bernardino, California 185 $ 28,951,000 $ 156,491 $ 96,000
El Paso, Colorado 183 $ 40,871,000 $ 223,338 $ 115,000
Snohomish, Washington 181 $ 40,128,000 $ 221,701 $ 90,000
Dorchester, South Carolina 176 $ 27,993,000 $ 159,051 $ 91,000
Frederick, Maryland 172 $ 39,739,000 $ 231,040 $ 127,000
Hampton, Virginia 169 $ 21,753,000 $ 128,715 $ 85,000
Cobb, Georgia 163 $ 32,788,000 $ 201,153 $ 105,000
Camden, New Jersey 156 $ 26,124,000 $ 167,461 $ 102,000
Baltimore, Maryland 152 $ 33,743,000 $ 221,993 $ 123,000
Mecklenburg, North Carolina 151 $ 29,084,000 $ 192,609 $ 109,000
Nueces, Texas 145 $ 18,181,000 $ 125,386 $ 107,000
Philadelphia, Pennsylvania 143 $ 18,201,000 $ 127,279 $ 79,000
Pierce, Washington 142 $ 35,171,000 $ 247,683 $ 118,000
St. Johns, Florida 141 $ 33,638,000 $ 238,567 $ 129,000
Newport News, Virginia 140 $ 19,328,000 $ 138,057 $ 89,000
Broward, Florida 139 $ 24,869,000 $ 178,913 $ 94,000
Ventura, California 138 $ 40,256,000 $ 291,710 $ 121,000
Montgomery, Pennsylvania 137 $ 28,591,000 $ 208,693 $ 120,000
Gloucester, New Jersey 133 $ 21,739,000 $ 163,451 $ 111,000
Delaware, Pennsylvania 133 $ 26,971,000 $ 202,789 $ 118,000
Bucks, Pennsylvania 132 $ 31,041,000 $ 235,159 $ 125,000
Washington, Rhode Island 132 $ 31,091,000 $ 235,537 $ 119,000
Fulton, Georgia 129 $ 30,504,000 $ 236,465 $ 137,000
Harrison, Mississippi 127 $ 14,909,000 $ 117,393 $ 84,000
Lake, Illinois 126 $ 22,665,000 $ 179,880 $ 106,000
Cuyahoga, Ohio 125 $ 15,076,000 $ 120,608 $ 92,000
Brevard, Florida 121 $ 20,531,000 $ 169,677 $ 109,000
Gwinnett, Georgia 121 $ 19,448,000 $ 160,727 $ 90,000
Carteret, North Carolina 119 $ 22,172,000 $ 186,319 $ 104,000
Kern, California 115 $ 20,140,000 $ 175,130 $ 103,000
Jefferson, Louisiana 111 $ 14,066,000 $ 126,720 $ 81,000
Seminole, Florida 110 $ 16,505,000 $ 150,045 $ 93,000
Cook, Illinois 110 $ 25,742,000 $ 234,018 $ 129,000
Burlington, New Jersey 108 $ 21,438,000 $ 198,500 $ 120,000
Columbia, Georgia 107 $ 19,135,000 $ 178,831 $ 110,000
Pima, Arizona 104 $ 20,340,000 $ 195,576 $ 115,000
Kings, California 104 $ 17,905,000 $ 172,163 $ 93,000
Dallas, Texas 103 $ 19,379,000 $ 188,145 $ 130,000
King George, Virginia 102 $ 22,040,000 $ 216,078 $ 120,000
Palm Beach, Florida 101 $ 17,245,000 $ 170,742 $ 113,000
Currituck, North Carolina 101 $ 22,211,000 $ 219,910 $ 118,000
El Paso, Texas 101 $ 10,402,000 $ 102,990 $ 90,000
Travis, Texas 101 $ 19,388,000 $ 191,960 $ 118,000
Pinellas, Florida 98 $ 20,020,000 $ 204,285 $ 116,000
St. Tammany, Louisiana 98 $ 18,306,000 $ 186,795 $ 108,000
Fauquier, Virginia 96 $ 28,132,000 $ 293,041 $ 134,000
Sussex, Delaware 94 $ 21,967,000 $ 233,691 $ 158,000
Miami-Dade, Florida 94 $ 17,042,000 $ 181,297 $ 126,000
Nassau, Florida 94 $ 15,775,000 $ 167,819 $ 85,000
Arapahoe, Colorado 91 $ 20,000,000 $ 219,780 $ 105,000
DeKalb, Georgia 91 $ 17,265,000 $ 189,725 $ 110,000
Orleans, Louisiana 90 $ 13,623,000 $ 151,366 $ 100,000
Ocean, New Jersey 90 $ 18,542,000 $ 206,022 $ 117,000
James City, Virginia 90 $ 25,911,000 $ 287,900 $ 119,000
Oklahoma, Oklahoma 89 $ 13,707,000 $ 154,011 $ 141,000
Chesterfield, Virginia 88 $ 16,939,000 $ 192,488 $ 94,000
Baltimore City, Maryland 87 $ 13,732,000 $ 157,839 $ 94,000
Collin, Texas 86 $ 16,556,000 $ 192,511 $ 130,000
Volusia, Florida 84 $ 12,271,000 $ 146,083 $ 97,000
Middlesex, Massachusetts 84 $ 27,073,000 $ 322,297 $ 155,000
Henrico, Virginia 84 $ 18,350,000 $ 218,452 $ 105,000
Cumberland, Maine 80 $ 16,575,000 $ 207,187 $ 127,000
Allegheny, Pennsylvania 80 $ 12,035,000 $ 150,437 $ 132,000
York, Virginia 79 $ 22,643,000 $ 286,620 $ 125,000
Baldwin, Alabama 77 $ 11,984,000 $ 155,636 $ 108,000
New Castle, Delaware 77 $ 14,440,000 $ 187,532 $ 105,000
Bristol, Massachusetts 77 $ 17,913,000 $ 232,636 $ 102,000
York, Pennsylvania 77 $ 13,552,000 $ 176,000 $ 113,000
Frederick, Virginia 77 $ 13,338,000 $ 173,220 $ 92,000
Hartford, Connecticut 76 $ 16,789,000 $ 220,907 $ 137,000
Bay, Florida 75 $ 13,075,000 $ 174,333 $ 103,000
Monmouth, New Jersey 75 $ 18,443,000 $ 245,906 $ 136,000
Bernalillo, New Mexico 74 $ 15,385,000 $ 207,905 $ 111,000
Madison, Alabama 73 $ 16,120,000 $ 220,821 $ 265,000
Mobile, Alabama 73 $ 10,180,000 $ 139,452 $ 87,000
Suffolk, New York 73 $ 21,106,000 $ 289,123 $ 164,000
Williamson, Texas 73 $ 12,447,000 $ 170,506 $ 122,000
Cumberland, North Carolina 72 $ 10,173,000 $ 141,291 $ 94,000
Tipton, Tennessee 72 $ 10,658,000 $ 148,027 $ 90,000
Isle of Wight, Virginia 72 $ 15,800,000 $ 219,444 $ 117,000
Chester, Pennsylvania 71 $ 18,834,000 $ 265,267 $ 164,000
Sarpy, Nebraska 70 $ 13,255,000 $ 189,357 $ 110,000
Alameda, California 69 $ 25,725,000 $ 372,826 $ 143,000
Lee, Florida 69 $ 10,902,000 $ 158,000 $ 101,000
Washington, Oregon 69 $ 15,621,000 $ 226,391 $ 99,000
Richland, South Carolina 69 $ 9,480,000 $ 137,391 $ 88,000
Monterey, California 68 $ 24,262,000 $ 356,794 $ 161,000
Jefferson, Colorado 67 $ 16,751,000 $ 250,014 $ 118,000
Carroll, Maryland 67 $ 18,736,000 $ 279,641 $ 136,000
Franklin, Ohio 67 $ 10,630,000 $ 158,656 $ 107,000
Santa Clara, California 66 $ 28,821,000 $ 436,681 $ 172,000
Fairfax City, Virginia 66 $ 17,361,000 $ 263,045 $ 142,000
Saratoga, New York 65 $ 12,862,000 $ 197,876 $ 108,000
Denton, Texas 64 $ 13,884,000 $ 216,937 $ 137,000
Douglas, Colorado 62 $ 17,555,000 $ 283,145 $ 133,000
Fort Bend, Texas 62 $ 9,548,000 $ 154,000 $ 133,000
Fairfield, Connecticut 61 $ 22,841,000 $ 374,442 $ 182,000
Plymouth, Massachusetts 60 $ 15,295,000 $ 254,916 $ 119,000
Rockingham, New Hampshire 60 $ 14,562,000 $ 242,700 $ 122,000
Bell, Texas 60 $ 6,971,000 $ 116,183 $ 96,000
Orange, Virginia 60 $ 12,832,000 $ 213,866 $ 114,000
York, Maine 59 $ 13,193,000 $ 223,610 $ 119,000
St. Louis, Missouri 59 $ 12,786,000 $ 216,711 $ 124,000
Cumberland, Pennsylvania 58 $ 12,557,000 $ 216,500 $ 141,000
Providence, Rhode Island 58 $ 10,870,000 $ 187,413 $ 104,000
Greenville, South Carolina 57 $ 8,745,000 $ 153,421 $ 107,000
Sacramento, California 56 $ 12,198,000 $ 217,821 $ 115,000
Henry, Georgia 56 $ 7,570,000 $ 135,178 $ 78,000
Harford, Maryland 56 $ 11,861,000 $ 211,803 $ 112,000
Queen Anne's, Maryland 56 $ 16,374,000 $ 292,392 $ 121,000
Montgomery, Tennessee 56 $ 5,688,000 $ 101,571 $ 64,000
Clark, Washington 56 $ 12,342,000 $ 220,392 $ 110,000
Mason, Washington 56 $ 9,875,000 $ 176,339 $ 94,000
Okaloosa, Florida 55 $ 9,229,000 $ 167,800 $ 84,000
Skagit, Washington 55 $ 10,505,000 $ 191,000 $ 98,000
Cleveland, Oklahoma 54 $ 8,173,000 $ 151,351 $ 91,000
San Patricio, Texas 54 $ 5,713,000 $ 105,796 $ 100,000
Contra Costa, California 53 $ 18,460,000 $ 348,301 $ 171,000
Nassau, New York 53 $ 13,446,000 $ 253,698 $ 130,000
Pasco, Florida 52 $ 7,081,000 $ 136,173 $ 74,000
Lee, Georgia 52 $ 8,369,000 $ 160,942 $ 102,000
New Hanover, North Carolina 52 $ 8,221,000 $ 158,096 $ 92,000
Jackson, Missouri 51 $ 7,501,000 $ 147,078 $ 96,000
Berkeley, West Virginia 51 $ 8,284,000 $ 162,431 $ 82,000
Jefferson, West Virginia 51 $ 9,844,000 $ 193,019 $ 104,000
Norfolk, Massachusetts 50 $ 15,503,000 $ 310,060 $ 146,000
Jefferson, Alabama 49 $ 6,601,000 $ 134,714 $ 87,000
Barnstable, Massachusetts 49 $ 11,235,000 $ 229,285 $ 118,000
Denver, Colorado 48 $ 11,169,000 $ 232,687 $ 132,000
Leon, Florida 48 $ 8,856,000 $ 184,500 $ 113,000
Chatham, Georgia 48 $ 9,176,000 $ 191,166 $ 116,000
Essex, Massachusetts 48 $ 14,885,000 $ 310,104 $ 179,000
Erie, New York 48 $ 5,893,000 $ 122,770 $ 93,000
Windham, Connecticut 47 $ 8,334,000 $ 177,319 $ 96,000
Marion, Florida 47 $ 5,277,000 $ 112,276 $ 75,000
Cherokee, Georgia 47 $ 8,420,000 $ 179,148 $ 95,000
Glynn, Georgia 47 $ 9,169,000 $ 195,085 $ 111,000
Hamilton, Indiana 47 $ 8,456,000 $ 179,914 $ 108,000
New Haven, Connecticut 46 $ 8,505,000 $ 184,891 $ 107,000
Osceola, Florida 46 $ 5,924,000 $ 128,782 $ 78,000
Sagadahoc, Maine 46 $ 7,351,000 $ 159,804 $ 90,000
Washoe, Nevada 46 $ 11,638,000 $ 253,000 $ 134,000
Jefferson, Kentucky 45 $ 7,648,000 $ 169,955 $ 103,000
Cape May, New Jersey 45 $ 12,267,000 $ 272,600 $ 155,000
Multnomah, Oregon 45 $ 10,485,000 $ 233,000 $ 116,000
Kent, Rhode Island 45 $ 8,448,000 $ 187,733 $ 102,000
Solano, California 44 $ 10,209,000 $ 232,022 $ 113,000
Sarasota, Florida 44 $ 6,820,000 $ 155,000 $ 101,000
Dougherty, Georgia 44 $ 4,208,000 $ 95,636 $ 74,000
Johnson, Kansas 44 $ 7,907,000 $ 179,704 $ 101,000
Worcester, Massachusetts 44 $ 9,976,000 $ 226,727 $ 124,000
Pinal, Arizona 43 $ 5,274,000 $ 122,651 $ 79,000
Polk, Florida 43 $ 6,172,000 $ 143,534 $ 79,000
Hennepin, Minnesota 43 $ 10,314,000 $ 239,860 $ 115,000
Middlesex, New Jersey 43 $ 9,502,000 $ 220,976 $ 120,000
Dare, North Carolina 43 $ 11,085,000 $ 257,790 $ 181,000
Pasquotank, North Carolina 43 $ 5,858,000 $ 136,232 $ 77,000
Aiken, South Carolina 43 $ 6,027,000 $ 140,162 $ 88,000
Yavapai, Arizona 42 $ 7,516,000 $ 178,952 $ 111,000
Washington, Maryland 42 $ 6,520,000 $ 155,238 $ 94,000
Douglas, Nebraska 42 $ 6,193,000 $ 147,452 $ 109,000
Hillsborough, New Hampshire 42 $ 9,089,000 $ 216,404 $ 139,000
Bristol, Rhode Island 42 $ 9,654,000 $ 229,857 $ 132,000
Spokane, Washington 42 $ 8,243,000 $ 196,261 $ 99,000
Oakland, Michigan 41 $ 7,261,000 $ 177,097 $ 128,000
St. Charles, Missouri 41 $ 7,355,000 $ 179,390 $ 111,000
York, South Carolina 41 $ 9,220,000 $ 224,878 $ 114,000
Lake, Florida 40 $ 5,352,000 $ 133,800 $ 74,000
Manassas, Virginia 40 $ 7,346,000 $ 183,650 $ 109,000
Fayette, Georgia 39 $ 9,058,000 $ 232,256 $ 152,000
Marion, Indiana 39 $ 3,842,000 $ 98,512 $ 88,000
Pender, North Carolina 39 $ 6,760,000 $ 173,333 $ 80,000
Horry, South Carolina 39 $ 6,056,000 $ 155,282 $ 111,000
Guadalupe, Texas 39 $ 6,221,000 $ 159,512 $ 103,000
Houston, Georgia 38 $ 5,888,000 $ 154,947 $ 94,000
Richmond, Georgia 38 $ 3,243,000 $ 85,342 $ 77,000
St. Clair, Illinois 38 $ 6,655,000 $ 175,131 $ 113,000
Brunswick, North Carolina 38 $ 6,892,000 $ 181,368 $ 109,000
Davidson, Tennessee 38 $ 4,584,000 $ 120,631 $ 78,000
Fresno, California 37 $ 8,913,000 $ 240,891 $ 120,000
Sumter, Florida 37 $ 6,356,000 $ 171,783 $ 89,000
Will, Illinois 37 $ 8,048,000 $ 217,513 $ 107,000
Worcester, Maryland 37 $ 7,565,000 $ 204,459 $ 199,000
Churchill, Nevada 37 $ 4,874,000 $ 131,729 $ 86,000
Union, North Carolina 37 $ 7,009,000 $ 189,432 $ 89,000
Hamilton, Tennessee 37 $ 6,010,000 $ 162,432 $ 88,000
Knox, Tennessee 37 $ 6,637,000 $ 179,378 $ 103,000
Albemarle, Virginia 37 $ 11,456,000 $ 309,621 $ 156,000
Kenosha, Wisconsin 37 $ 6,140,000 $ 165,945 $ 109,000
Forsyth, Georgia 36 $ 7,075,000 $ 196,527 $ 107,000
Westchester, New York 36 $ 9,975,000 $ 277,083 $ 144,000
Buncombe, North Carolina 36 $ 10,072,000 $ 279,777 $ 138,000
Montgomery, Ohio 36 $ 4,273,000 $ 118,694 $ 82,000
Tulsa, Oklahoma 36 $ 4,302,000 $ 119,500 $ 83,000
Montgomery, Texas 36 $ 6,337,000 $ 176,027 $ 112,000
Jackson, Mississippi 35 $ 4,886,000 $ 139,600 $ 120,000
Franklin, Pennsylvania 35 $ 6,686,000 $ 191,028 $ 119,000
Thurston, Washington 35 $ 8,353,000 $ 238,657 $ 118,000
Tolland, Connecticut 34 $ 6,136,000 $ 180,470 $ 116,000
Collier, Florida 34 $ 7,093,000 $ 208,617 $ 106,000
Suffolk, Massachusetts 34 $ 9,262,000 $ 272,411 $ 132,000
Atlantic, New Jersey 34 $ 7,191,000 $ 211,500 $ 136,000
Guilford, North Carolina 34 $ 6,098,000 $ 179,352 $ 95,000
Parker, Texas 34 $ 4,803,000 $ 141,264 $ 99,000
Hanover, Virginia 34 $ 7,364,000 $ 216,588 $ 118,000
Louisa, Virginia 34 $ 7,500,000 $ 220,588 $ 121,000
Westmoreland, Virginia 34 $ 6,677,000 $ 196,382 $ 96,000
Pulaski, Arkansas 33 $ 4,763,000 $ 144,333 $ 83,000
Placer, California 33 $ 9,370,000 $ 283,939 $ 121,000
Adams, Colorado 33 $ 5,397,000 $ 163,545 $ 81,000
Dakota, Minnesota 33 $ 5,507,000 $ 166,878 $ 100,000
Kings, New York 33 $ 8,528,000 $ 258,424 $ 114,000
Fredericksburg, Virginia 33 $ 5,710,000 $ 173,030 $ 142,000
Gloucester, Virginia 33 $ 5,841,000 $ 177,000 $ 118,000
Richmond City, Virginia 33 $ 7,616,000 $ 230,787 $ 133,000
Shenandoah, Virginia 33 $ 5,708,000 $ 172,969 $ 117,000
Warren, Virginia 33 $ 7,363,000 $ 223,121 $ 129,000
Milwaukee, Wisconsin 33 $ 5,827,000 $ 176,575 $ 114,000
Kent, Delaware 32 $ 5,940,000 $ 185,625 $ 98,000
DeSoto, Mississippi 32 $ 4,967,000 $ 155,218 $ 85,000
Adams, Pennsylvania 32 $ 6,383,000 $ 199,468 $ 189,000
Caroline, Virginia 32 $ 5,541,000 $ 173,156 $ 107,000
Paulding, Georgia 31 $ 3,951,000 $ 127,451 $ 92,000
Hampden, Massachusetts 31 $ 5,744,000 $ 185,290 $ 95,000
Wayne, Michigan 31 $ 4,008,000 $ 129,290 $ 81,000
Lauderdale, Mississippi 31 $ 3,471,000 $ 111,967 $ 79,000
Monroe, New York 31 $ 5,005,000 $ 161,451 $ 107,000
DuPage, Illinois 30 $ 5,462,000 $ 182,066 $ 100,000
Sedgwick, Kansas 30 $ 4,363,000 $ 145,433 $ 140,000
Queens, New York 30 $ 6,380,000 $ 212,666 $ 103,000
Camden, North Carolina 30 $ 6,760,000 $ 225,333 $ 107,000
Clackamas, Oregon 30 $ 7,838,000 $ 261,266 $ 115,000
Lancaster, Pennsylvania 30 $ 4,108,000 $ 136,933 $ 89,000
Brazoria, Texas 30 $ 5,081,000 $ 169,366 $ 120,000
Comal, Texas 30 $ 6,931,000 $ 231,033 $ 105,000
Salt Lake, Utah 30 $ 5,027,000 $ 167,566 $ 80,000
Mohave, Arizona 29 $ 3,400,000 $ 117,241 $ 80,000
Ada, Idaho 29 $ 5,330,000 $ 183,793 $ 79,000
East Baton Rouge, Louisiana 29 $ 5,430,000 $ 187,241 $ 130,000
Vernon, Louisiana 29 $ 2,193,000 $ 75,620 $ 82,000
Hamilton, Ohio 29 $ 4,582,000 $ 158,000 $ 91,000
Lorain, Ohio 29 $ 4,347,000 $ 149,896 $ 91,000
Dauphin, Pennsylvania 29 $ 4,105,000 $ 141,551 $ 82,000
Galveston, Texas 29 $ 3,563,000 $ 122,862 $ 115,000
Culpeper, Virginia 29 $ 6,643,000 $ 229,068 $ 97,000
Alachua, Florida 28 $ 4,018,000 $ 143,500 $ 89,000
Cabarrus, North Carolina 28 $ 5,125,000 $ 183,035 $ 106,000
Durham, North Carolina 28 $ 5,764,000 $ 205,857 $ 104,000
Whatcom, Washington 28 $ 6,614,000 $ 236,214 $ 116,000
Anchorage, Alaska 27 $ 8,314,000 $ 307,925 $ 133,000
Charlotte, Florida 27 $ 3,248,000 $ 120,296 $ 107,000
Manatee, Florida 27 $ 4,748,000 $ 175,851 $ 103,000
St. Lucie, Florida 27 $ 2,750,000 $ 101,851 $ 95,000
Cecil, Maryland 27 $ 6,626,000 $ 245,407 $ 134,000
Bergen, New Jersey 27 $ 8,017,000 $ 296,925 $ 138,000
Morris, New Jersey 27 $ 8,001,000 $ 296,333 $ 142,000
Johnston, North Carolina 27 $ 3,771,000 $ 139,666 $ 76,000
Berks, Pennsylvania 27 $ 3,932,000 $ 145,629 $ 100,000
Lexington, South Carolina 27 $ 4,204,000 $ 155,703 $ 99,000
Spartanburg, South Carolina 27 $ 3,744,000 $ 138,666 $ 103,000
Middlesex, Connecticut 26 $ 6,538,000 $ 251,461 $ 123,000
Talbot, Maryland 26 $ 8,645,000 $ 332,500 $ 175,000
Somerset, New Jersey 26 $ 6,999,000 $ 269,192 $ 132,000
Albany, New York 26 $ 5,533,000 $ 212,807 $ 100,000
Onondaga, New York 26 $ 3,169,000 $ 121,884 $ 109,000
Summit, Ohio 26 $ 3,104,000 $ 119,384 $ 76,000
Kleberg, Texas 26 $ 2,470,000 $ 95,000 $ 102,000
Benton, Washington 26 $ 5,021,000 $ 193,115 $ 110,000
Boulder, Colorado 25 $ 6,730,000 $ 269,200 $ 137,000
Coweta, Georgia 25 $ 4,667,000 $ 186,680 $ 74,000
Douglas, Georgia 25 $ 3,940,000 $ 157,600 $ 94,000
Muscogee, Georgia 25 $ 3,231,000 $ 129,240 $ 84,000
Androscoggin, Maine 25 $ 3,245,000 $ 129,800 $ 86,000
Harnett, North Carolina 25 $ 3,628,000 $ 145,120 $ 83,000
Moore, North Carolina 25 $ 5,434,000 $ 217,360 $ 152,000
Lake, Ohio 25 $ 3,314,000 $ 132,560 $ 96,000
Lee, Alabama 24 $ 3,773,000 $ 157,208 $ 78,000
Cochise, Arizona 24 $ 3,702,000 $ 154,250 $ 111,000
San Joaquin, California 24 $ 4,256,000 $ 177,333 $ 80,000
Clarke, Georgia 24 $ 2,834,000 $ 118,083 $ 78,000
Clayton, Georgia 24 $ 1,913,000 $ 79,708 $ 73,000
Kennebec, Maine 24 $ 3,404,000 $ 141,833 $ 92,000
Orange, New York 24 $ 5,636,000 $ 234,833 $ 103,000
Forsyth, North Carolina 24 $ 3,786,000 $ 157,750 $ 78,000
Rutherford, Tennessee 24 $ 3,181,000 $ 132,541 $ 94,000
Mecklenburg, Virginia 24 $ 5,210,000 $ 217,083 $ 155,000
San Francisco, California 23 $ 16,538,000 $ 719,043 $ 233,000
Hernando, Florida 23 $ 2,331,000 $ 101,347 $ 88,000
Cass, Missouri 23 $ 3,390,000 $ 147,391 $ 93,000
Sandoval, New Mexico 23 $ 4,796,000 $ 208,521 $ 89,000
Medina, Ohio 23 $ 4,425,000 $ 192,391 $ 131,000
Luzerne, Pennsylvania 23 $ 2,942,000 $ 127,913 $ 79,000
Northampton, Pennsylvania 23 $ 4,798,000 $ 208,608 $ 88,000
Williamson, Tennessee 23 $ 7,167,000 $ 311,608 $ 133,000
McLennan, Texas 23 $ 2,840,000 $ 123,478 $ 102,000
Bedford, Virginia 23 $ 5,256,000 $ 228,521 $ 148,000
El Dorado, California 22 $ 5,542,000 $ 251,909 $ 125,000
Larimer, Colorado 22 $ 5,273,000 $ 239,681 $ 115,000
Weld, Colorado 22 $ 4,935,000 $ 224,318 $ 117,000
Citrus, Florida 22 $ 2,881,000 $ 130,954 $ 88,000
Madison, Illinois 22 $ 2,604,000 $ 118,363 $ 89,000
Merrimack, New Hampshire 22 $ 4,510,000 $ 205,000 $ 118,000
Davis, Utah 22 $ 4,958,000 $ 225,363 $ 124,000
Falls Church, Virginia 22 $ 9,971,000 $ 453,227 $ 185,000
Northumberland, Virginia 22 $ 4,880,000 $ 221,818 $ 151,000
Hawaii, Hawaii 21 $ 5,016,000 $ 238,857 $ 85,000
Maui, Hawaii 21 $ 8,639,000 $ 411,380 $ 228,000
Lake, Indiana 21 $ 2,006,000 $ 95,523 $ 90,000
Ascension, Louisiana 21 $ 3,520,000 $ 167,619 $ 85,000
Macomb, Michigan 21 $ 3,037,000 $ 144,619 $ 112,000
Pearl River, Mississippi 21 $ 3,254,000 $ 154,952 $ 159,000
Greene, Missouri 21 $ 2,016,000 $ 96,000 $ 73,000
Union, New Jersey 21 $ 7,381,000 $ 351,476 $ 174,000
Dona Ana, New Mexico 21 $ 2,621,000 $ 124,809 $ 91,000
Monroe, Pennsylvania 21 $ 4,085,000 $ 194,523 $ 126,000
Westmoreland, Pennsylvania 21 $ 3,185,000 $ 151,666 $ 108,000
Montgomery, Virginia 21 $ 3,599,000 $ 171,380 $ 121,000
Waukesha, Wisconsin 21 $ 5,529,000 $ 263,285 $ 140,000
San Mateo, California 20 $ 12,592,000 $ 629,600 $ 159,000
Kane, Illinois 20 $ 5,043,000 $ 252,150 $ 110,000
Kent, Michigan 20 $ 2,077,000 $ 103,850 $ 79,000
Washington, Minnesota 20 $ 5,197,000 $ 259,850 $ 121,000
Hancock, Mississippi 20 $ 2,515,000 $ 125,750 $ 86,000
Lane, Oregon 20 $ 4,169,000 $ 208,450 $ 137,000
Brazos, Texas 20 $ 3,485,000 $ 174,250 $ 118,000
Hays, Texas 20 $ 3,201,000 $ 160,050 $ 98,000
San Luis Obispo, California 19 $ 5,508,000 $ 289,894 $ 121,000
Wicomico, Maryland 19 $ 3,660,000 $ 192,631 $ 68,000
Strafford, New Hampshire 19 $ 4,236,000 $ 222,947 $ 121,000
Iredell, North Carolina 19 $ 3,701,000 $ 194,789 $ 94,000
Butler, Ohio 19 $ 2,925,000 $ 153,947 $ 80,000
Licking, Ohio 19 $ 3,362,000 $ 176,947 $ 90,000
Sumner, Tennessee 19 $ 3,174,000 $ 167,052 $ 83,000
Accomack, Virginia 19 $ 3,849,000 $ 202,578 $ 104,000
Fluvanna, Virginia 19 $ 4,853,000 $ 255,421 $ 109,000
Manassas Park, Virginia 19 $ 3,476,000 $ 182,947 $ 99,000
Jefferson, Washington 19 $ 3,974,000 $ 209,157 $ 120,000
Flagler, Florida 18 $ 3,204,000 $ 178,000 $ 111,000
Barrow, Georgia 18 $ 3,258,000 $ 181,000 $ 111,000
Rockdale, Georgia 18 $ 2,961,000 $ 164,500 $ 80,000
Washtenaw, Michigan 18 $ 3,754,000 $ 208,555 $ 130,000
Ramsey, Minnesota 18 $ 2,844,000 $ 158,000 $ 82,000
Grafton, New Hampshire 18 $ 3,639,000 $ 202,166 $ 145,000
Essex, New Jersey 18 $ 4,895,000 $ 271,944 $ 154,000
Mercer, New Jersey 18 $ 4,719,000 $ 262,166 $ 105,000
Marion, Oregon 18 $ 3,251,000 $ 180,611 $ 80,000
Cameron, Texas 18 $ 1,714,000 $ 95,222 $ 89,000
Tom Green, Texas 18 $ 1,215,000 $ 67,500 $ 62,000
Rockingham, Virginia 18 $ 2,584,000 $ 143,555 $ 104,000
Winchester, Virginia 18 $ 3,802,000 $ 211,222 $ 175,000
Coconino, Arizona 17 $ 3,702,000 $ 217,764 $ 132,000
Hall, Georgia 17 $ 3,077,000 $ 181,000 $ 104,000
McHenry, Illinois 17 $ 3,148,000 $ 185,176 $ 133,000
Sussex, New Jersey 17 $ 3,434,000 $ 202,000 $ 93,000
Lucas, Ohio 17 $ 1,873,000 $ 110,176 $ 75,000
Comanche, Oklahoma 17 $ 1,691,000 $ 99,470 $ 81,000
Deschutes, Oregon 17 $ 4,258,000 $ 250,470 $ 163,000
Butler, Pennsylvania 17 $ 2,567,000 $ 151,000 $ 98,000
Lehigh, Pennsylvania 17 $ 3,979,000 $ 234,058 $ 119,000
Pickens, South Carolina 17 $ 2,532,000 $ 148,941 $ 81,000
Blount, Tennessee 17 $ 2,222,000 $ 130,705 $ 90,000
Washington, Tennessee 17 $ 2,312,000 $ 136,000 $ 103,000
Rockwall, Texas 17 $ 2,430,000 $ 142,941 $ 113,000
Roanoke, Virginia 17 $ 3,242,000 $ 190,705 $ 98,000
Benton, Arkansas 16 $ 2,363,000 $ 147,687 $ 83,000
Butte, California 16 $ 3,701,000 $ 231,312 $ 132,000
Stanislaus, California 16 $ 3,227,000 $ 201,687 $ 132,000
Indian River, Florida 16 $ 3,284,000 $ 205,250 $ 194,000
Oconee, Georgia 16 $ 3,291,000 $ 205,687 $ 96,000
Bonneville, Idaho 16 $ 2,968,000 $ 185,500 $ 122,000
Kootenai, Idaho 16 $ 2,551,000 $ 159,437 $ 106,000
Oldham, Kentucky 16 $ 3,680,000 $ 230,000 $ 129,000
Lyon, Nevada 16 $ 1,554,000 $ 97,125 $ 84,000
Chatham, North Carolina 16 $ 4,619,000 $ 288,687 $ 150,000
Florence, South Carolina 16 $ 1,612,000 $ 100,750 $ 81,000
Greene, Virginia 16 $ 3,539,000 $ 221,187 $ 103,000
Shelby, Alabama 15 $ 2,511,000 $ 167,400 $ 102,000
Navajo, Arizona 15 $ 2,314,000 $ 154,266 $ 79,000
Walton, Georgia 15 $ 2,288,000 $ 152,533 $ 59,000
Monroe, Indiana 15 $ 2,528,000 $ 168,533 $ 99,000
Tippecanoe, Indiana 15 $ 2,275,000 $ 151,666 $ 85,000
Hancock, Maine 15 $ 3,235,000 $ 215,666 $ 157,000
Hinds, Mississippi 15 $ 1,660,000 $ 110,666 $ 84,000
Lancaster, Nebraska 15 $ 2,603,000 $ 173,533 $ 105,000
Douglas, Nevada 15 $ 3,690,000 $ 246,000 $ 140,000
Cumberland, New Jersey 15 $ 1,214,000 $ 80,933 $ 67,000
Hudson, New Jersey 15 $ 3,718,000 $ 247,866 $ 115,000
Ontario, New York 15 $ 2,741,000 $ 182,733 $ 137,000
Duplin, North Carolina 15 $ 1,604,000 $ 106,933 $ 65,000
Perquimans, North Carolina 15 $ 3,508,000 $ 233,866 $ 106,000
Pitt, North Carolina 15 $ 1,723,000 $ 114,866 $ 108,000
Stark, Ohio 15 $ 2,464,000 $ 164,266 $ 100,000
Lebanon, Pennsylvania 15 $ 2,802,000 $ 186,800 $ 85,000
Ellis, Texas 15 $ 1,750,000 $ 116,666 $ 92,000
Augusta, Virginia 15 $ 2,306,000 $ 153,733 $ 88,000
Clarke, Virginia 15 $ 3,385,000 $ 225,666 $ 132,000
Franklin, Virginia 15 $ 3,868,000 $ 257,866 $ 165,000
Sonoma, California 14 $ 4,705,000 $ 336,071 $ 182,000
Bartow, Georgia 14 $ 2,131,000 $ 152,214 $ 89,000
Liberty, Georgia 14 $ 1,710,000 $ 122,142 $ 94,000
Winnebago, Illinois 14 $ 1,534,000 $ 109,571 $ 72,000
Polk, Iowa 14 $ 2,249,000 $ 160,642 $ 132,000
Leavenworth, Kansas 14 $ 2,289,000 $ 163,500 $ 97,000
Boone, Kentucky 14 $ 2,139,000 $ 152,785 $ 88,000
Fayette, Kentucky 14 $ 2,206,000 $ 157,571 $ 83,000
Lafayette, Louisiana 14 $ 2,677,000 $ 191,214 $ 102,000
Lincoln, Maine 14 $ 2,650,000 $ 189,285 $ 111,000
Ottawa, Michigan 14 $ 2,247,000 $ 160,500 $ 120,000
Anoka, Minnesota 14 $ 2,979,000 $ 212,785 $ 92,000
Clay, Missouri 14 $ 2,112,000 $ 150,857 $ 89,000
Jefferson, Missouri 14 $ 2,148,000 $ 153,428 $ 84,000
Gallatin, Montana 14 $ 5,346,000 $ 381,857 $ 140,000
Oneida, New York 14 $ 2,263,000 $ 161,642 $ 89,000
Ulster, New York 14 $ 2,678,000 $ 191,285 $ 141,000
Gates, North Carolina 14 $ 1,528,000 $ 109,142 $ 72,000
Henderson, North Carolina 14 $ 3,118,000 $ 222,714 $ 101,000
Delaware, Ohio 14 $ 3,529,000 $ 252,071 $ 137,000
Centre, Pennsylvania 14 $ 2,928,000 $ 209,142 $ 185,000
Washington, Pennsylvania 14 $ 2,730,000 $ 195,000 $ 106,000
Sumter, South Carolina 14 $ 1,587,000 $ 113,357 $ 72,000
Hidalgo, Texas 14 $ 1,092,000 $ 78,000 $ 78,000
New Kent, Virginia 14 $ 2,924,000 $ 208,857 $ 82,000
Limestone, Alabama 13 $ 2,394,000 $ 184,153 $ 122,000
Washington, Arkansas 13 $ 1,535,000 $ 118,076 $ 98,000
Shasta, California 13 $ 2,964,000 $ 228,000 $ 89,000
Pueblo, Colorado 13 $ 2,581,000 $ 198,538 $ 108,000
Litchfield, Connecticut 13 $ 3,071,000 $ 236,230 $ 125,000
Monroe, Florida 13 $ 4,864,000 $ 374,153 $ 111,000
Putnam, Florida 13 $ 1,824,000 $ 140,307 $ 73,000
Carroll, Georgia 13 $ 2,354,000 $ 181,076 $ 84,000
Livingston, Louisiana 13 $ 1,751,000 $ 134,692 $ 83,000
Plaquemines, Louisiana 13 $ 1,996,000 $ 153,538 $ 105,000
Garrett, Maryland 13 $ 5,180,000 $ 398,461 $ 219,000
Berrien, Michigan 13 $ 1,626,000 $ 125,076 $ 75,000
Salem, New Jersey 13 $ 2,455,000 $ 188,846 $ 125,000
Rensselaer, New York 13 $ 2,183,000 $ 167,923 $ 114,000
Richmond, New York 13 $ 3,267,000 $ 251,307 $ 105,000
Orange, North Carolina 13 $ 2,577,000 $ 198,230 $ 108,000
Wayne, North Carolina 13 $ 1,106,000 $ 85,076 $ 89,000
Jackson, Oregon 13 $ 2,748,000 $ 211,384 $ 110,000
Kershaw, South Carolina 13 $ 977,000 $ 75,153 $ 67,000
Wilson, Tennessee 13 $ 2,752,000 $ 211,692 $ 99,000
Johnson, Texas 13 $ 1,360,000 $ 104,615 $ 102,000
Utah, Utah 13 $ 2,876,000 $ 221,230 $ 92,000
Chittenden, Vermont 13 $ 2,780,000 $ 213,846 $ 96,000
Dane, Wisconsin 13 $ 2,480,000 $ 190,769 $ 94,000
Tuscaloosa, Alabama 12 $ 1,387,000 $ 115,583 $ 77,000
Saline, Arkansas 12 $ 1,579,000 $ 131,583 $ 75,000
Imperial, California 12 $ 1,532,000 $ 127,666 $ 77,000
Santa Barbara, California 12 $ 4,300,000 $ 358,333 $ 143,000
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Mortgage Loan Application Detail Totals for Nfcu in 2010

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 40,606 $9,336,342,000 $229,000 $1,969,000 $120,000 $9,999,000
Home Purchase 24,412 $5,288,464,000 $216,000 $2,000,000 $90,000 $9,205,000
Home Improvement 5,064 $73,101,000 $14,000 $150,000 $90,000 $3,108,000

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 39,237 $8,354,821,000 $212,000 $2,000,000 $115,000 $9,205,000
Not Provided 14,760 $3,252,087,000 $220,000 $1,846,000 $104,000 $7,060,000
Black or African American 7,752 $1,362,242,000 $175,000 $1,805,000 $91,000 $9,999,000
Hispanic 4,275 $788,370,000 $184,000 $1,674,000 $88,000 $970,000
Asian 2,869 $698,548,000 $243,000 $1,940,000 $103,000 $1,440,000
American Indian or Alaskan Native 641 $117,742,000 $183,000 $1,118,000 $93,000 $403,000
Native Hawaiian or Other Pacific Islander 548 $124,097,000 $226,000 $1,800,000 $101,000 $894,000
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) 47,612 $9,403,971,000 $197,000 $2,000,000 $114,000 $9,205,000
VA-guaranteed (Veterans Administration) 21,904 $5,174,599,000 $236,000 $1,287,000 $95,000 $9,999,000
FHA-insured (Federal Housing Administration) 566 $119,337,000 $210,000 $783,000 $90,000 $507,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 28,057 $5,507,500,000 $196,000 $2,000,000 $119,000 $9,205,000
Application Withdrawn By Applicant 15,657 $3,765,620,000 $240,000 $1,895,000 $116,000 $4,929,000
Preapproval Denied by Financial Institution 11,250 $2,111,934,000 $187,000 $2,000,000 $72,000 $1,123,000
Application Denied By Financial Institution 9,681 $1,981,164,000 $204,000 $1,908,000 $99,000 $3,792,000
Preapproval Approved but not Accepted 4,016 $992,509,000 $247,000 $810,000 $102,000 $1,800,000
Application Approved But Not Accepted 1,421 $339,180,000 $238,000 $1,400,000 $138,000 $9,999,000
File Closed For Incompleteness 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
Credit History 8,620 $1,544,735,000 $179,000 $1,223,000 $80,000 $1,621,000
Debt-To-Income Ratio 7,736 $1,652,179,000 $213,000 $1,908,000 $73,000 $778,000
Collateral 1,666 $338,960,000 $203,000 $1,495,000 $128,000 $1,700,000
Insufficient Cash (Downpayment, Closing Cost) 1,264 $286,077,000 $226,000 $2,000,000 $106,000 $1,038,000
Unverifiable Information 605 $128,399,000 $212,000 $1,750,000 $129,000 $1,099,000
Employment History 479 $75,671,000 $157,000 $766,000 $66,000 $500,000
Other 464 $41,945,000 $90,000 $488,000 $94,000 $3,792,000
Credit Application Incomplete 95 $24,458,000 $257,000 $1,400,000 $138,000 $1,300,000
Mortgage Insurance Denied 2 $674,000 $337,000 $499,000 $136,000 $160,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2010 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 Nfcu'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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