Nfcu Mortgage Lending & HMDA Data, 2003

In 2003, Nfcu of Vienna, VA reported 90,151 mortgage applications totaling $9.6 billion. The average application was for $105,988, and applicants reported an average income of $82,651. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Norfolk-Virginia Beach-Newport News, VA-NC (8,604), San Diego, CA (5,875) and Jacksonville, FL (3,458) (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 90,151
Total Mortgage Loan Application Amount $9,554,990,000
Average Mortgage Loan Application Amount $105,988
Highest Mortgage Loan Application Amount $650,000
Average Applicant Income $82,651
Highest Applicant Income $5,771,000

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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 5,875 $ 727,508,000 $ 123,831 $ 82,000
Fairfax, Virginia 5,546 $ 785,503,000 $ 141,634 $ 100,000
Virginia Beach, Virginia 4,693 $ 367,845,000 $ 78,381 $ 62,000
Prince George's, Maryland 2,565 $ 230,021,000 $ 89,676 $ 83,000
Duval, Florida 2,489 $ 170,220,000 $ 68,388 $ 63,000
Prince William, Virginia 2,215 $ 256,534,000 $ 115,816 $ 90,000
Anne Arundel, Maryland 1,942 $ 234,227,000 $ 120,611 $ 84,000
Chesapeake, Virginia 1,478 $ 148,031,000 $ 100,156 $ 75,000
Montgomery, Maryland 1,445 $ 195,514,000 $ 135,303 $ 90,000
Riverside, California 1,410 $ 174,797,000 $ 123,969 $ 90,000
Escambia, Florida 1,357 $ 104,211,000 $ 76,795 $ 63,000
Honolulu, Hawaii 1,296 $ 235,427,000 $ 181,656 $ 83,000
Onslow, North Carolina 1,103 $ 67,393,000 $ 61,099 $ 60,000
Charles, Maryland 1,093 $ 115,074,000 $ 105,282 $ 89,000
Stafford, Virginia 1,086 $ 138,324,000 $ 127,370 $ 88,000
Norfolk, Virginia 1,031 $ 66,409,000 $ 64,412 $ 64,000
Camden, Georgia 992 $ 70,075,000 $ 70,640 $ 60,000
Kitsap, Washington 974 $ 92,552,000 $ 95,022 $ 67,000
Loudoun, Virginia 951 $ 144,871,000 $ 152,335 $ 105,000
St. Mary's, Maryland 893 $ 104,626,000 $ 117,162 $ 77,000
New London, Connecticut 891 $ 102,263,000 $ 114,773 $ 72,000
District of Columbia, District Of Columbia 822 $ 75,108,000 $ 91,372 $ 80,000
Los Angeles, California 771 $ 104,799,000 $ 135,926 $ 86,000
Beaufort, South Carolina 673 $ 57,170,000 $ 84,947 $ 58,000
Arlington, Virginia 658 $ 101,874,000 $ 154,823 $ 118,000
Orange, California 641 $ 94,903,000 $ 148,054 $ 101,000
Clay, Florida 612 $ 53,369,000 $ 87,204 $ 88,000
Orange, Florida 610 $ 57,812,000 $ 94,773 $ 68,000
Spotsylvania, Virginia 576 $ 68,960,000 $ 119,722 $ 81,000
Alexandria, Virginia 543 $ 72,399,000 $ 133,331 $ 89,000
Newport, Rhode Island 506 $ 67,332,000 $ 133,067 $ 87,000
Maricopa, Arizona 502 $ 53,085,000 $ 105,747 $ 72,000
Craven, North Carolina 499 $ 41,130,000 $ 82,424 $ 62,000
San Bernardino, California 469 $ 42,706,000 $ 91,057 $ 68,000
Calvert, Maryland 446 $ 55,656,000 $ 124,789 $ 101,000
Santa Rosa, Florida 441 $ 41,540,000 $ 94,195 $ 69,000
Suffolk, Virginia 434 $ 42,559,000 $ 98,062 $ 69,000
Broward, Florida 426 $ 48,536,000 $ 113,934 $ 70,000
Howard, Maryland 388 $ 48,087,000 $ 123,935 $ 105,000
Clark, Nevada 371 $ 41,633,000 $ 112,218 $ 72,000
Miami-Dade, Florida 347 $ 33,395,000 $ 96,239 $ 72,000
Hillsborough, Florida 340 $ 34,808,000 $ 102,376 $ 76,000
Berkeley, South Carolina 324 $ 24,635,000 $ 76,033 $ 60,000
Cuyahoga, Ohio 321 $ 26,067,000 $ 81,205 $ 70,000
Seminole, Florida 309 $ 29,680,000 $ 96,051 $ 84,000
Snohomish, Washington 307 $ 34,326,000 $ 111,811 $ 70,000
Island, Washington 298 $ 23,409,000 $ 78,553 $ 65,000
Brevard, Florida 296 $ 31,973,000 $ 108,016 $ 79,000
Philadelphia, Pennsylvania 296 $ 12,781,000 $ 43,179 $ 51,000
Shelby, Tennessee 289 $ 31,287,000 $ 108,259 $ 83,000
Tarrant, Texas 288 $ 29,068,000 $ 100,930 $ 89,000
Ventura, California 279 $ 33,821,000 $ 121,222 $ 102,000
Charleston, South Carolina 275 $ 27,117,000 $ 98,607 $ 64,000
Camden, New Jersey 271 $ 23,563,000 $ 86,948 $ 72,000
Portsmouth, Virginia 271 $ 16,291,000 $ 60,114 $ 56,000
King, Washington 269 $ 36,282,000 $ 134,877 $ 90,000
Cobb, Georgia 268 $ 29,197,000 $ 108,944 $ 83,000
Cook, Illinois 267 $ 30,943,000 $ 115,891 $ 78,000
Nueces, Texas 267 $ 25,774,000 $ 96,531 $ 67,000
Frederick, Maryland 259 $ 30,385,000 $ 117,316 $ 78,000
Orleans, Louisiana 254 $ 20,737,000 $ 81,641 $ 74,000
Gloucester, New Jersey 253 $ 23,589,000 $ 93,237 $ 79,000
Jefferson, Louisiana 245 $ 18,392,000 $ 75,069 $ 66,000
Kings, California 242 $ 25,807,000 $ 106,640 $ 69,000
Lake, Illinois 239 $ 28,517,000 $ 119,317 $ 69,000
Bucks, Pennsylvania 234 $ 27,877,000 $ 119,132 $ 218,000
Harris, Texas 233 $ 21,610,000 $ 92,746 $ 79,000
Burlington, New Jersey 232 $ 25,088,000 $ 108,137 $ 96,000
Delaware, Pennsylvania 226 $ 21,448,000 $ 94,902 $ 71,000
Palm Beach, Florida 220 $ 24,947,000 $ 113,395 $ 81,000
St. Tammany, Louisiana 215 $ 22,184,000 $ 103,181 $ 74,000
Yuma, Arizona 210 $ 22,380,000 $ 106,571 $ 71,000
Pinellas, Florida 210 $ 19,796,000 $ 94,266 $ 83,000
Montgomery, Pennsylvania 208 $ 23,514,000 $ 113,048 $ 86,000
Dorchester, South Carolina 207 $ 19,595,000 $ 94,661 $ 65,000
Wake, North Carolina 206 $ 24,511,000 $ 118,985 $ 93,000
Baltimore, Maryland 201 $ 19,708,000 $ 98,049 $ 76,000
Fauquier, Virginia 198 $ 25,574,000 $ 129,161 $ 89,000
Hampton, Virginia 193 $ 13,193,000 $ 68,357 $ 62,000
Newport News, Virginia 191 $ 11,692,000 $ 61,214 $ 65,000
Washington, Rhode Island 190 $ 24,299,000 $ 127,889 $ 105,000
Gwinnett, Georgia 183 $ 19,537,000 $ 106,759 $ 79,000
Volusia, Florida 182 $ 17,900,000 $ 98,351 $ 72,000
St. Johns, Florida 181 $ 18,487,000 $ 102,138 $ 80,000
Carteret, North Carolina 180 $ 16,876,000 $ 93,755 $ 65,000
Nassau, Florida 176 $ 15,719,000 $ 89,312 $ 67,000
Fulton, Georgia 174 $ 20,392,000 $ 117,195 $ 113,000
Bexar, Texas 173 $ 14,806,000 $ 85,583 $ 75,000
Cumberland, Maine 169 $ 20,917,000 $ 123,769 $ 79,000
New Castle, Delaware 166 $ 17,166,000 $ 103,409 $ 88,000
Harrison, Mississippi 161 $ 10,166,000 $ 63,142 $ 55,000
Pierce, Washington 157 $ 16,538,000 $ 105,337 $ 78,000
DeKalb, Georgia 155 $ 14,999,000 $ 96,767 $ 76,000
Suffolk, New York 152 $ 20,681,000 $ 136,059 $ 99,000
Baltimore City, Maryland 151 $ 9,164,000 $ 60,688 $ 81,000
Ocean, New Jersey 146 $ 14,741,000 $ 100,965 $ 88,000
San Patricio, Texas 145 $ 10,529,000 $ 72,613 $ 58,000
Dallas, Texas 144 $ 13,366,000 $ 92,819 $ 81,000
Queen Anne's, Maryland 140 $ 14,745,000 $ 105,321 $ 109,000
Pima, Arizona 139 $ 15,847,000 $ 114,007 $ 73,000
Contra Costa, California 139 $ 19,827,000 $ 142,640 $ 123,000
Solano, California 138 $ 17,830,000 $ 129,202 $ 98,000
Hartford, Connecticut 138 $ 18,006,000 $ 130,478 $ 96,000
Middlesex, Massachusetts 138 $ 20,551,000 $ 148,920 $ 102,000
Sagadahoc, Maine 135 $ 12,737,000 $ 94,348 $ 64,000
Chesterfield, Virginia 133 $ 13,764,000 $ 103,488 $ 75,000
Sacramento, California 129 $ 17,035,000 $ 132,054 $ 78,000
El Paso, Colorado 129 $ 15,308,000 $ 118,666 $ 88,000
Fairfax City, Virginia 128 $ 18,165,000 $ 141,914 $ 107,000
Kern, California 127 $ 12,415,000 $ 97,755 $ 76,000
Mecklenburg, North Carolina 126 $ 11,922,000 $ 94,619 $ 70,000
Manassas, Virginia 125 $ 12,388,000 $ 99,104 $ 73,000
Bristol, Massachusetts 123 $ 17,189,000 $ 139,747 $ 89,000
Alameda, California 121 $ 18,130,000 $ 149,834 $ 109,000
Chester, Pennsylvania 118 $ 14,456,000 $ 122,508 $ 114,000
Santa Clara, California 113 $ 16,068,000 $ 142,194 $ 115,000
New Haven, Connecticut 111 $ 12,544,000 $ 113,009 $ 94,000
King George, Virginia 110 $ 14,087,000 $ 128,063 $ 79,000
Monterey, California 106 $ 19,949,000 $ 188,198 $ 106,000
Plymouth, Massachusetts 105 $ 16,905,000 $ 161,000 $ 91,000
Wayne, Michigan 105 $ 8,180,000 $ 77,904 $ 68,000
Lee, Florida 104 $ 11,362,000 $ 109,250 $ 70,000
Henrico, Virginia 104 $ 12,315,000 $ 118,413 $ 76,000
Sussex, Delaware 103 $ 12,482,000 $ 121,184 $ 104,000
Bay, Florida 102 $ 9,644,000 $ 94,549 $ 73,000
York, Pennsylvania 99 $ 8,836,000 $ 89,252 $ 76,000
Fairfield, Connecticut 97 $ 15,245,000 $ 157,164 $ 113,000
Worcester, Massachusetts 97 $ 13,313,000 $ 137,247 $ 93,000
Nassau, New York 95 $ 13,852,000 $ 145,810 $ 94,000
Tipton, Tennessee 95 $ 8,515,000 $ 89,631 $ 70,000
Carroll, Maryland 94 $ 13,383,000 $ 142,372 $ 100,000
Hillsborough, New Hampshire 94 $ 13,204,000 $ 140,468 $ 83,000
Monmouth, New Jersey 93 $ 12,067,000 $ 129,752 $ 103,000
Currituck, North Carolina 93 $ 7,976,000 $ 85,763 $ 88,000
Kent, Rhode Island 93 $ 11,157,000 $ 119,967 $ 80,000
Skagit, Washington 93 $ 9,951,000 $ 107,000 $ 68,000
Jefferson, West Virginia 92 $ 9,520,000 $ 103,478 $ 71,000
Harford, Maryland 91 $ 9,128,000 $ 100,307 $ 87,000
Allegheny, Pennsylvania 90 $ 8,080,000 $ 89,777 $ 83,000
Lake, Florida 89 $ 7,647,000 $ 85,921 $ 68,000
Washoe, Nevada 88 $ 10,794,000 $ 122,659 $ 80,000
Franklin, Ohio 88 $ 7,060,000 $ 80,227 $ 71,000
York, Virginia 87 $ 10,888,000 $ 125,149 $ 96,000
Johnson, Kansas 86 $ 9,362,000 $ 108,860 $ 91,000
Providence, Rhode Island 86 $ 10,254,000 $ 119,232 $ 94,000
San Joaquin, California 83 $ 10,479,000 $ 126,253 $ 86,000
Bernalillo, New Mexico 82 $ 8,835,000 $ 107,743 $ 86,000
Denton, Texas 82 $ 8,660,000 $ 105,609 $ 88,000
Fresno, California 81 $ 8,255,000 $ 101,913 $ 79,000
Polk, Florida 81 $ 6,910,000 $ 85,308 $ 71,000
James City, Virginia 81 $ 10,298,000 $ 127,135 $ 99,000
Leon, Florida 80 $ 6,802,000 $ 85,025 $ 74,000
Rockingham, New Hampshire 80 $ 11,653,000 $ 145,662 $ 105,000
Oklahoma, Oklahoma 80 $ 7,083,000 $ 88,537 $ 68,000
Norfolk, Massachusetts 79 $ 12,392,000 $ 156,860 $ 88,000
Richland, South Carolina 78 $ 7,531,000 $ 96,551 $ 74,000
Dougherty, Georgia 77 $ 5,264,000 $ 68,363 $ 66,000
Jefferson, Kentucky 77 $ 7,463,000 $ 96,922 $ 75,000
Barnstable, Massachusetts 77 $ 9,682,000 $ 125,740 $ 110,000
Queens, New York 77 $ 7,314,000 $ 94,987 $ 69,000
Pasco, Florida 75 $ 6,968,000 $ 92,906 $ 73,000
St. Louis, Missouri 75 $ 7,733,000 $ 103,106 $ 72,000
Saratoga, New York 75 $ 8,594,000 $ 114,586 $ 82,000
Androscoggin, Maine 74 $ 5,111,000 $ 69,067 $ 62,000
Multnomah, Oregon 74 $ 7,459,000 $ 100,797 $ 79,000
Collin, Texas 74 $ 9,255,000 $ 125,067 $ 111,000
Washington, Oregon 73 $ 9,610,000 $ 131,643 $ 90,000
Frederick, Virginia 73 $ 8,395,000 $ 115,000 $ 88,000
Baldwin, Alabama 72 $ 6,171,000 $ 85,708 $ 58,000
Osceola, Florida 72 $ 7,197,000 $ 99,958 $ 91,000
Essex, Massachusetts 72 $ 12,279,000 $ 170,541 $ 120,000
Greenville, South Carolina 72 $ 7,160,000 $ 99,444 $ 77,000
Okaloosa, Florida 71 $ 8,250,000 $ 116,197 $ 84,000
Chatham, Georgia 71 $ 7,370,000 $ 103,802 $ 81,000
Jackson, Mississippi 71 $ 5,092,000 $ 71,718 $ 66,000
Horry, South Carolina 70 $ 6,730,000 $ 96,142 $ 73,000
Warren, Virginia 70 $ 7,320,000 $ 104,571 $ 76,000
Mobile, Alabama 69 $ 3,898,000 $ 56,492 $ 50,000
Kenosha, Wisconsin 69 $ 6,323,000 $ 91,637 $ 66,000
York, Maine 68 $ 8,065,000 $ 118,602 $ 82,000
Worcester, Maryland 68 $ 6,800,000 $ 100,000 $ 93,000
Oakland, Michigan 68 $ 7,075,000 $ 104,044 $ 93,000
Culpeper, Virginia 68 $ 8,067,000 $ 118,632 $ 81,000
Manatee, Florida 67 $ 7,366,000 $ 109,940 $ 85,000
DuPage, Illinois 67 $ 8,870,000 $ 132,388 $ 98,000
Will, Illinois 67 $ 8,085,000 $ 120,671 $ 90,000
Arapahoe, Colorado 66 $ 6,885,000 $ 104,318 $ 83,000
Churchill, Nevada 66 $ 6,265,000 $ 94,924 $ 68,000
Clark, Washington 66 $ 7,139,000 $ 108,166 $ 84,000
Jefferson, Alabama 65 $ 3,839,000 $ 59,061 $ 66,000
Erie, New York 65 $ 5,112,000 $ 78,646 $ 69,000
Monroe, Florida 64 $ 10,225,000 $ 159,765 $ 107,000
Sarasota, Florida 64 $ 6,234,000 $ 97,406 $ 61,000
Bristol, Rhode Island 63 $ 8,970,000 $ 142,380 $ 101,000
Windham, Connecticut 62 $ 7,262,000 $ 117,129 $ 73,000
Charlotte, Florida 62 $ 5,813,000 $ 93,758 $ 69,000
Marion, Florida 62 $ 4,818,000 $ 77,709 $ 63,000
Orange, New York 61 $ 8,744,000 $ 143,344 $ 88,000
Westchester, New York 61 $ 9,952,000 $ 163,147 $ 114,000
Albemarle, Virginia 61 $ 7,627,000 $ 125,032 $ 84,000
Jackson, Missouri 60 $ 3,866,000 $ 64,433 $ 59,000
Cumberland, Pennsylvania 60 $ 8,233,000 $ 137,216 $ 108,000
Fort Bend, Texas 60 $ 5,042,000 $ 84,033 $ 89,000
Orange, Virginia 60 $ 6,060,000 $ 101,000 $ 82,000
Collier, Florida 59 $ 7,757,000 $ 131,474 $ 87,000
Lauderdale, Mississippi 59 $ 5,156,000 $ 87,389 $ 72,000
Cape May, New Jersey 59 $ 5,811,000 $ 98,491 $ 89,000
Alachua, Florida 58 $ 4,997,000 $ 86,155 $ 73,000
Columbia, Georgia 58 $ 5,464,000 $ 94,206 $ 85,000
New Hanover, North Carolina 58 $ 5,311,000 $ 91,568 $ 86,000
Berkeley, West Virginia 58 $ 5,162,000 $ 89,000 $ 77,000
Paulding, Georgia 57 $ 4,189,000 $ 73,491 $ 71,000
Hennepin, Minnesota 57 $ 6,195,000 $ 108,684 $ 84,000
Fayette, Georgia 56 $ 6,000,000 $ 107,142 $ 122,000
St. Charles, Missouri 56 $ 6,695,000 $ 119,553 $ 97,000
Cumberland, North Carolina 56 $ 4,492,000 $ 80,214 $ 74,000
Middlesex, Connecticut 55 $ 7,051,000 $ 128,200 $ 87,000
Travis, Texas 55 $ 6,214,000 $ 112,981 $ 83,000
Isle of Wight, Virginia 55 $ 5,087,000 $ 92,490 $ 77,000
Jefferson, Colorado 54 $ 6,483,000 $ 120,055 $ 112,000
Citrus, Florida 54 $ 4,632,000 $ 85,777 $ 44,000
Cherokee, Georgia 54 $ 6,023,000 $ 111,537 $ 87,000
Washington, Maryland 54 $ 5,033,000 $ 93,203 $ 79,000
Strafford, New Hampshire 54 $ 4,920,000 $ 91,111 $ 79,000
Middlesex, New Jersey 54 $ 5,852,000 $ 108,370 $ 82,000
Manassas Park, Virginia 54 $ 5,890,000 $ 109,074 $ 91,000
Spokane, Washington 54 $ 5,861,000 $ 108,537 $ 81,000
Fredericksburg, Virginia 53 $ 6,217,000 $ 117,301 $ 92,000
Madison, Alabama 52 $ 4,748,000 $ 91,307 $ 77,000
Bergen, New Jersey 52 $ 7,445,000 $ 143,173 $ 99,000
St. Lucie, Florida 51 $ 4,990,000 $ 97,843 $ 70,000
Williamson, Texas 51 $ 5,808,000 $ 113,882 $ 85,000
Douglas, Colorado 50 $ 7,533,000 $ 150,660 $ 92,000
Gloucester, Virginia 50 $ 3,871,000 $ 77,420 $ 67,000
Shenandoah, Virginia 50 $ 4,951,000 $ 99,020 $ 73,000
Glynn, Georgia 49 $ 4,810,000 $ 98,163 $ 70,000
Hampden, Massachusetts 49 $ 5,754,000 $ 117,428 $ 69,000
Lorain, Ohio 49 $ 4,566,000 $ 93,183 $ 69,000
Cleveland, Oklahoma 49 $ 3,807,000 $ 77,693 $ 70,000
Montgomery, Texas 49 $ 5,042,000 $ 102,897 $ 99,000
Macomb, Michigan 48 $ 5,216,000 $ 108,666 $ 67,000
Dare, North Carolina 48 $ 6,394,000 $ 133,208 $ 134,000
Pasquotank, North Carolina 48 $ 4,373,000 $ 91,104 $ 69,000
Knox, Tennessee 48 $ 4,408,000 $ 91,833 $ 67,000
Yavapai, Arizona 47 $ 5,626,000 $ 119,702 $ 80,000
Clarke, Georgia 47 $ 4,589,000 $ 97,638 $ 79,000
Lehigh, Pennsylvania 47 $ 5,407,000 $ 115,042 $ 92,000
Stanislaus, California 46 $ 5,343,000 $ 116,152 $ 83,000
Sarpy, Nebraska 46 $ 6,040,000 $ 131,304 $ 84,000
Medina, Ohio 46 $ 5,062,000 $ 110,043 $ 74,000
East Baton Rouge, Louisiana 45 $ 4,462,000 $ 99,155 $ 82,000
Aiken, South Carolina 45 $ 3,665,000 $ 81,444 $ 79,000
El Paso, Texas 45 $ 3,510,000 $ 78,000 $ 62,000
Thurston, Washington 45 $ 4,559,000 $ 101,311 $ 75,000
Pulaski, Arkansas 44 $ 3,330,000 $ 75,681 $ 71,000
Mercer, New Jersey 44 $ 4,164,000 $ 94,636 $ 87,000
Placer, California 43 $ 6,489,000 $ 150,906 $ 91,000
Marion, Indiana 43 $ 3,043,000 $ 70,767 $ 88,000
Dutchess, New York 43 $ 6,325,000 $ 147,093 $ 97,000
Berks, Pennsylvania 43 $ 4,472,000 $ 104,000 $ 77,000
Denver, Colorado 42 $ 4,777,000 $ 113,738 $ 104,000
Larimer, Colorado 42 $ 4,985,000 $ 118,690 $ 73,000
Flagler, Florida 42 $ 4,401,000 $ 104,785 $ 92,000
Hudson, New Jersey 42 $ 4,425,000 $ 105,357 $ 96,000
Monroe, New York 42 $ 4,224,000 $ 100,571 $ 85,000
Hamilton, Ohio 42 $ 3,462,000 $ 82,428 $ 83,000
Montgomery, Ohio 42 $ 4,318,000 $ 102,809 $ 81,000
Clackamas, Oregon 42 $ 5,117,000 $ 121,833 $ 84,000
Falls Church, Virginia 42 $ 6,170,000 $ 146,904 $ 110,000
Adams, Colorado 41 $ 3,694,000 $ 90,097 $ 71,000
Tolland, Connecticut 41 $ 5,058,000 $ 123,365 $ 93,000
St. Clair, Illinois 41 $ 4,830,000 $ 117,804 $ 80,000
Dakota, Minnesota 41 $ 4,705,000 $ 114,756 $ 76,000
Morris, New Jersey 41 $ 6,961,000 $ 169,780 $ 133,000
Kings, New York 41 $ 4,182,000 $ 102,000 $ 92,000
Buncombe, North Carolina 41 $ 3,713,000 $ 90,560 $ 64,000
Pender, North Carolina 41 $ 4,670,000 $ 113,902 $ 80,000
Ada, Idaho 40 $ 3,961,000 $ 99,025 $ 78,000
Durham, North Carolina 40 $ 3,871,000 $ 96,775 $ 68,000
Forsyth, North Carolina 40 $ 3,848,000 $ 96,200 $ 72,000
Lancaster, Pennsylvania 40 $ 4,005,000 $ 100,125 $ 82,000
Milwaukee, Wisconsin 40 $ 3,522,000 $ 88,050 $ 69,000
Tulare, California 39 $ 3,345,000 $ 85,769 $ 78,000
Kane, Illinois 39 $ 4,823,000 $ 123,666 $ 99,000
McHenry, Illinois 39 $ 4,908,000 $ 125,846 $ 109,000
Essex, New Jersey 39 $ 6,625,000 $ 169,871 $ 149,000
Mason, Washington 39 $ 3,017,000 $ 77,358 $ 61,000
Anchorage, Alaska 38 $ 6,394,000 $ 168,263 $ 119,000
Martin, Florida 38 $ 4,965,000 $ 130,657 $ 86,000
Lake, Ohio 38 $ 3,806,000 $ 100,157 $ 79,000
Franklin, Pennsylvania 38 $ 3,557,000 $ 93,605 $ 77,000
Clayton, Georgia 37 $ 2,069,000 $ 55,918 $ 63,000
Henry, Georgia 37 $ 3,879,000 $ 104,837 $ 83,000
Lee, Georgia 37 $ 3,755,000 $ 101,486 $ 79,000
Union, New Jersey 37 $ 4,283,000 $ 115,756 $ 98,000
Guilford, North Carolina 37 $ 4,342,000 $ 117,351 $ 75,000
Butler, Ohio 37 $ 3,559,000 $ 96,189 $ 97,000
Westmoreland, Virginia 37 $ 4,719,000 $ 127,540 $ 88,000
Indian River, Florida 36 $ 3,528,000 $ 98,000 $ 70,000
Suffolk, Massachusetts 36 $ 5,042,000 $ 140,055 $ 108,000
Atlantic, New Jersey 36 $ 3,830,000 $ 106,388 $ 77,000
Accomack, Virginia 36 $ 2,614,000 $ 72,611 $ 67,000
Louisa, Virginia 36 $ 4,273,000 $ 118,694 $ 141,000
Richmond City, Virginia 36 $ 4,197,000 $ 116,583 $ 101,000
Cochise, Arizona 35 $ 3,933,000 $ 112,371 $ 78,000
Sedgwick, Kansas 35 $ 2,796,000 $ 79,885 $ 72,000
Douglas, Nebraska 35 $ 3,810,000 $ 108,857 $ 88,000
Union, North Carolina 35 $ 3,956,000 $ 113,028 $ 94,000
Lexington, South Carolina 35 $ 3,518,000 $ 100,514 $ 78,000
Boulder, Colorado 34 $ 4,827,000 $ 141,970 $ 131,000
Penobscot, Maine 34 $ 2,151,000 $ 63,264 $ 55,000
Onondaga, New York 34 $ 2,870,000 $ 84,411 $ 87,000
Tulsa, Oklahoma 34 $ 3,577,000 $ 105,205 $ 66,000
Galveston, Texas 34 $ 3,577,000 $ 105,205 $ 103,000
Whatcom, Washington 34 $ 3,295,000 $ 96,911 $ 78,000
Coconino, Arizona 33 $ 4,330,000 $ 131,212 $ 79,000
Mohave, Arizona 33 $ 3,260,000 $ 98,787 $ 76,000
Santa Barbara, California 33 $ 3,832,000 $ 116,121 $ 101,000
Douglas, Georgia 33 $ 3,375,000 $ 102,272 $ 83,000
Kennebec, Maine 33 $ 3,192,000 $ 96,727 $ 80,000
Brunswick, North Carolina 33 $ 2,618,000 $ 79,333 $ 66,000
Northampton, Pennsylvania 33 $ 3,930,000 $ 119,090 $ 92,000
Hidalgo, Texas 33 $ 1,802,000 $ 54,606 $ 68,000
San Luis Obispo, California 32 $ 3,884,000 $ 121,375 $ 101,000
Coweta, Georgia 32 $ 3,615,000 $ 112,968 $ 82,000
Hawaii, Hawaii 32 $ 3,919,000 $ 122,468 $ 74,000
Kent, Michigan 32 $ 2,838,000 $ 88,687 $ 75,000
Luzerne, Pennsylvania 32 $ 2,756,000 $ 86,125 $ 75,000
York, South Carolina 32 $ 2,897,000 $ 90,531 $ 67,000
Davidson, Tennessee 32 $ 3,818,000 $ 119,312 $ 70,000
Somerset, New Jersey 31 $ 4,832,000 $ 155,870 $ 129,000
Monroe, Pennsylvania 31 $ 3,561,000 $ 114,870 $ 88,000
San Mateo, California 30 $ 3,818,000 $ 127,266 $ 114,000
Spartanburg, South Carolina 30 $ 2,785,000 $ 92,833 $ 72,000
Fayette, Kentucky 29 $ 2,235,000 $ 77,068 $ 63,000
Talbot, Maryland 29 $ 3,549,000 $ 122,379 $ 94,000
Hancock, Mississippi 29 $ 2,520,000 $ 86,896 $ 83,000
Sussex, New Jersey 29 $ 2,275,000 $ 78,448 $ 87,000
Pitt, North Carolina 29 $ 3,099,000 $ 106,862 $ 71,000
Stark, Ohio 29 $ 2,343,000 $ 80,793 $ 78,000
Adams, Pennsylvania 29 $ 3,229,000 $ 111,344 $ 71,000
Parker, Texas 29 $ 2,561,000 $ 88,310 $ 80,000
Jefferson, Washington 29 $ 3,728,000 $ 128,551 $ 88,000
Sonoma, California 28 $ 3,581,000 $ 127,892 $ 81,000
Hernando, Florida 28 $ 2,315,000 $ 82,678 $ 57,000
Cecil, Maryland 28 $ 3,066,000 $ 109,500 $ 87,000
Wicomico, Maryland 28 $ 2,348,000 $ 83,857 $ 81,000
Richmond, New York 28 $ 3,732,000 $ 133,285 $ 84,000
Camden, North Carolina 28 $ 2,495,000 $ 89,107 $ 66,000
Sumter, South Carolina 28 $ 2,457,000 $ 87,750 $ 70,000
Hanover, Virginia 28 $ 4,544,000 $ 162,285 $ 94,000
Shelby, Alabama 27 $ 3,126,000 $ 115,777 $ 72,000
El Dorado, California 27 $ 3,855,000 $ 142,777 $ 102,000
Kent, Delaware 27 $ 3,331,000 $ 123,370 $ 66,000
Sumter, Florida 27 $ 1,822,000 $ 67,481 $ 69,000
Forsyth, Georgia 27 $ 4,504,000 $ 166,814 $ 94,000
Hancock, Maine 27 $ 2,449,000 $ 90,703 $ 80,000
Caroline, Maryland 27 $ 1,991,000 $ 73,740 $ 80,000
Cass, Missouri 27 $ 2,046,000 $ 75,777 $ 85,000
Merrimack, New Hampshire 27 $ 3,413,000 $ 126,407 $ 84,000
Rockland, New York 27 $ 4,181,000 $ 154,851 $ 113,000
Johnston, North Carolina 27 $ 2,705,000 $ 100,185 $ 56,000
Lane, Oregon 27 $ 3,420,000 $ 126,666 $ 66,000
Colleton, South Carolina 27 $ 1,493,000 $ 55,296 $ 58,000
Hamilton, Tennessee 27 $ 1,937,000 $ 71,740 $ 70,000
Salt Lake, Utah 27 $ 2,957,000 $ 109,518 $ 69,000
Caroline, Virginia 27 $ 2,290,000 $ 84,814 $ 64,000
Litchfield, Connecticut 26 $ 2,672,000 $ 102,769 $ 95,000
Hamilton, Indiana 26 $ 3,132,000 $ 120,461 $ 97,000
Plaquemines, Louisiana 26 $ 3,162,000 $ 121,615 $ 77,000
Santa Fe, New Mexico 26 $ 3,937,000 $ 151,423 $ 98,000
Jackson, Oregon 26 $ 3,465,000 $ 133,269 $ 87,000
Dauphin, Pennsylvania 26 $ 2,594,000 $ 99,769 $ 69,000
Charlton, Georgia 25 $ 1,019,000 $ 40,760 $ 61,000
Polk, Iowa 25 $ 2,502,000 $ 100,080 $ 68,000
Salem, New Jersey 25 $ 1,608,000 $ 64,320 $ 92,000
Summit, Ohio 25 $ 1,855,000 $ 74,200 $ 65,000
Waukesha, Wisconsin 25 $ 2,879,000 $ 115,160 $ 104,000
Pinal, Arizona 24 $ 1,933,000 $ 80,541 $ 66,000
Imperial, California 24 $ 2,268,000 $ 94,500 $ 75,000
Marin, California 24 $ 4,570,000 $ 190,416 $ 137,000
Shasta, California 24 $ 4,073,000 $ 169,708 $ 120,000
Richmond, Georgia 24 $ 1,888,000 $ 78,666 $ 66,000
Winnebago, Illinois 24 $ 1,658,000 $ 69,083 $ 82,000
Ottawa, Michigan 24 $ 2,034,000 $ 84,750 $ 71,000
Washtenaw, Michigan 24 $ 2,964,000 $ 123,500 $ 102,000
Pearl River, Mississippi 24 $ 1,487,000 $ 61,958 $ 66,000
Belknap, New Hampshire 24 $ 2,801,000 $ 116,708 $ 100,000
Orange, North Carolina 24 $ 3,028,000 $ 126,166 $ 88,000
Brazoria, Texas 24 $ 2,174,000 $ 90,583 $ 61,000
Yolo, California 23 $ 3,997,000 $ 173,782 $ 106,000
Grafton, New Hampshire 23 $ 2,055,000 $ 89,347 $ 61,000
Sandoval, New Mexico 23 $ 2,640,000 $ 114,782 $ 64,000
Florence, South Carolina 23 $ 1,794,000 $ 78,000 $ 79,000
Tom Green, Texas 23 $ 1,702,000 $ 74,000 $ 67,000
San Francisco, California 22 $ 4,220,000 $ 191,818 $ 118,000
Worth, Georgia 22 $ 880,000 $ 40,000 $ 67,000
Lincoln, Maine 22 $ 2,099,000 $ 95,409 $ 72,000
DeSoto, Mississippi 22 $ 2,137,000 $ 97,136 $ 79,000
Cumberland, New Jersey 22 $ 1,600,000 $ 72,727 $ 65,000
Georgetown, South Carolina 22 $ 1,980,000 $ 90,000 $ 99,000
Montgomery, Tennessee 22 $ 1,776,000 $ 80,727 $ 66,000
Rockingham, Virginia 22 $ 2,436,000 $ 110,727 $ 87,000
Dane, Wisconsin 22 $ 3,147,000 $ 143,045 $ 77,000
Montgomery, Alabama 21 $ 1,420,000 $ 67,619 $ 85,000
Weld, Colorado 21 $ 1,999,000 $ 95,190 $ 79,000
Genesee, Michigan 21 $ 2,204,000 $ 104,952 $ 80,000
Hinds, Mississippi 21 $ 1,433,000 $ 68,238 $ 63,000
Greene, Missouri 21 $ 1,760,000 $ 83,809 $ 72,000
Albany, New York 21 $ 2,158,000 $ 102,761 $ 93,000
Benton, Washington 21 $ 1,813,000 $ 86,333 $ 125,000
Lee, Alabama 20 $ 1,559,000 $ 77,950 $ 64,000
Benton, Arkansas 20 $ 2,545,000 $ 127,250 $ 74,000
Calcasieu, Louisiana 20 $ 1,422,000 $ 71,100 $ 66,000
Ramsey, Minnesota 20 $ 1,738,000 $ 86,900 $ 90,000
Lancaster, Nebraska 20 $ 1,664,000 $ 83,200 $ 79,000
Cheshire, New Hampshire 20 $ 2,256,000 $ 112,800 $ 90,000
Dona Ana, New Mexico 20 $ 2,636,000 $ 131,800 $ 69,000
New York, New York 20 $ 2,362,000 $ 118,100 $ 136,000
Lucas, Ohio 20 $ 1,169,000 $ 58,450 $ 70,000
McLennan, Texas 20 $ 1,844,000 $ 92,200 $ 76,000
Chittenden, Vermont 20 $ 1,796,000 $ 89,800 $ 73,000
Montgomery, Virginia 20 $ 2,173,000 $ 108,650 $ 107,000
Hall, Georgia 19 $ 2,341,000 $ 123,210 $ 79,000
Muscogee, Georgia 19 $ 1,669,000 $ 87,842 $ 67,000
Oconee, Georgia 19 $ 2,613,000 $ 137,526 $ 100,000
Maui, Hawaii 19 $ 2,342,000 $ 123,263 $ 105,000
Madison, Illinois 19 $ 1,917,000 $ 100,894 $ 56,000
Caddo, Louisiana 19 $ 2,393,000 $ 125,947 $ 81,000
Ingham, Michigan 19 $ 1,554,000 $ 81,789 $ 66,000
Douglas, Nevada 19 $ 1,923,000 $ 101,210 $ 126,000
Bronx, New York 19 $ 2,478,000 $ 130,421 $ 79,000
Schenectady, New York 19 $ 2,110,000 $ 111,052 $ 85,000
Nash, North Carolina 19 $ 1,715,000 $ 90,263 $ 89,000
Deschutes, Oregon 19 $ 2,000,000 $ 105,263 $ 109,000
Lackawanna, Pennsylvania 19 $ 1,488,000 $ 78,315 $ 74,000
Westmoreland, Pennsylvania 19 $ 1,577,000 $ 83,000 $ 68,000
Blount, Tennessee 19 $ 1,808,000 $ 95,157 $ 71,000
Rutherford, Tennessee 19 $ 1,737,000 $ 91,421 $ 63,000
Williamson, Tennessee 19 $ 3,341,000 $ 175,842 $ 131,000
Clarke, Virginia 19 $ 2,556,000 $ 134,526 $ 99,000
Williamsburg, Virginia 19 $ 2,365,000 $ 124,473 $ 69,000
Carroll, Georgia 18 $ 1,321,000 $ 73,388 $ 75,000
Lake, Indiana 18 $ 1,048,000 $ 58,222 $ 48,000
Oldham, Kentucky 18 $ 2,578,000 $ 143,222 $ 91,000
Kalamazoo, Michigan 18 $ 1,369,000 $ 76,055 $ 64,000
Washington, Minnesota 18 $ 2,040,000 $ 113,333 $ 87,000
Ulster, New York 18 $ 1,017,000 $ 56,500 $ 87,000
Harnett, North Carolina 18 $ 1,513,000 $ 84,055 $ 62,000
Warren, Ohio 18 $ 2,748,000 $ 152,666 $ 90,000
Cambria, Pennsylvania 18 $ 597,000 $ 33,166 $ 64,000
Anderson, South Carolina 18 $ 1,343,000 $ 74,611 $ 66,000
Pickens, South Carolina 18 $ 1,384,000 $ 76,888 $ 71,000
Sumner, Tennessee 18 $ 2,812,000 $ 156,222 $ 68,000
Bell, Texas 18 $ 1,167,000 $ 64,833 $ 104,000
Lubbock, Texas 18 $ 1,104,000 $ 61,333 $ 48,000
Winchester, Virginia 18 $ 2,911,000 $ 161,722 $ 97,000
Putnam, Florida 17 $ 1,175,000 $ 69,117 $ 72,000
Walton, Florida 17 $ 2,629,000 $ 154,647 $ 95,000
McLean, Illinois 17 $ 1,698,000 $ 99,882 $ 76,000
St. Bernard, Louisiana 17 $ 1,132,000 $ 66,588 $ 57,000
Calhoun, Michigan 17 $ 1,348,000 $ 79,294 $ 75,000
Yellowstone, Montana 17 $ 1,583,000 $ 93,117 $ 86,000
Moore, North Carolina 17 $ 1,649,000 $ 97,000 $ 75,000
Rowan, North Carolina 17 $ 790,000 $ 46,470 $ 49,000
Clermont, Ohio 17 $ 1,568,000 $ 92,235 $ 113,000
Delaware, Ohio 17 $ 2,074,000 $ 122,000 $ 87,000
Greene, Ohio 17 $ 1,624,000 $ 95,529 $ 80,000
Erie, Pennsylvania 17 $ 1,461,000 $ 85,941 $ 75,000
Washington, Pennsylvania 17 $ 1,455,000 $ 85,588 $ 58,000
Jasper, South Carolina 17 $ 989,000 $ 58,176 $ 66,000
Aransas, Texas 17 $ 1,414,000 $ 83,176 $ 71,000
Brazos, Texas 17 $ 1,655,000 $ 97,352 $ 60,000
Cameron, Texas 17 $ 1,076,000 $ 63,294 $ 74,000
Ellis, Texas 17 $ 1,373,000 $ 80,764 $ 75,000
Guadalupe, Texas 17 $ 1,722,000 $ 101,294 $ 81,000
Hays, Texas 17 $ 1,629,000 $ 95,823 $ 56,000
Johnson, Texas 17 $ 1,621,000 $ 95,352 $ 98,000
Northumberland, Virginia 17 $ 2,635,000 $ 155,000 $ 155,000
Clallam, Washington 17 $ 1,824,000 $ 107,294 $ 78,000
Rock, Wisconsin 17 $ 1,415,000 $ 83,235 $ 87,000
Mesa, Colorado 16 $ 1,363,000 $ 85,187 $ 66,000
Kootenai, Idaho 16 $ 1,465,000 $ 91,562 $ 90,000
Monroe, Indiana 16 $ 2,075,000 $ 129,687 $ 85,000
St. Joseph, Indiana 16 $ 1,059,000 $ 66,187 $ 76,000
Leavenworth, Kansas 16 $ 1,500,000 $ 93,750 $ 80,000
Shawnee, Kansas 16 $ 1,204,000 $ 75,250 $ 63,000
Wyandotte, Kansas 16 $ 845,000 $ 52,812 $ 65,000
St. John the Baptist, Louisiana 16 $ 1,468,000 $ 91,750 $ 71,000
Berkshire, Massachusetts 16 $ 1,744,000 $ 109,000 $ 78,000
Jackson, Michigan 16 $ 1,933,000 $ 120,812 $ 71,000
Passaic, New Jersey 16 $ 1,645,000 $ 102,812 $ 81,000
Alamance, North Carolina 16 $ 1,031,000 $ 64,437 $ 51,000
Catawba, North Carolina 16 $ 2,093,000 $ 130,812 $ 77,000
Iredell, North Carolina 16 $ 2,017,000 $ 126,062 $ 91,000
Ashtabula, Ohio 16 $ 1,344,000 $ 84,000 $ 61,000
Blair, Pennsylvania 16 $ 1,050,000 $ 65,625 $ 62,000
Hampton, South Carolina 16 $ 829,000 $ 51,812 $ 60,000
Washington, Tennessee 16 $ 1,247,000 $ 77,937 $ 74,000
Wilson, Tennessee 16 $ 1,490,000 $ 93,125 $ 65,000
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Mortgage Loan Application Detail Totals for Nfcu 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) 65,753 $7,101,275,000 $96,557 $650,000 $81,826 $5,771,000
Home Purchase (one-to-four family) 13,807 $2,329,260,000 $154,769 $650,000 $74,384 $904,000
Home Improvement (one-to-four family) 10,591 $124,455,000 $11,365 $180,000 $66,923 $917,000
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 54,125 $6,072,950,000 $103,283 $650,000 $80,245 $5,771,000
Information not provided by applicant in mail or telephone application 15,549 $1,575,255,000 $96,698 $650,000 $77,396 $870,000
Black 10,098 $822,628,000 $86,847 $650,000 $73,847 $2,104,000
Asian or Pacific Islander 4,351 $508,523,000 $96,854 $650,000 $78,354 $792,000
Hispanic 4,061 $410,521,000 $92,795 $575,000 $73,816 $855,000
Other 1,445 $112,545,000 $66,632 $560,000 $74,081 $1,256,000
American Indian or Alaskan Native 522 $52,568,000 $100,906 $450,000 $77,116 $1,254,000
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) 85,800 $9,022,941,000 $96,660 $650,000 $77,924 $2,104,000
VA-guaranteed (Veterans Administration) 4,351 $532,049,000 $127,720 $242,000 $74,260 $5,771,000
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

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 68,567 $7,556,666,000 $102,557 $650,000 $82,461 $5,160,000
Application Withdrawn By Applicant 15,607 $1,539,118,000 $88,884 $650,000 $76,923 $5,771,000
Application Denied By Financial Institution 5,968 $457,835,000 $72,433 $650,000 $59,811 $452,000
Application Approved But Not Accepted 9 $1,371,000 $153,400 $323,000 $85,800 $123,000
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
Debt-To-Income Ratio 2,668 $168,410,000 $62,326 $650,000 $54,250 $360,000
Credit History 2,602 $208,484,000 $75,156 $650,000 $65,098 $452,000
Collateral 121 $7,478,000 $57,878 $373,000 $61,212 $300,000
Other 47 $2,978,000 $83,368 $600,000 $83,315 $213,000
Employment History 31 $3,190,000 $81,076 $304,000 $47,846 $180,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,183,000 $155,500 $293,000 $63,416 $140,000
Unverifiable Information 13 $2,739,000 $220,500 $650,000 $116,833 $335,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu'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 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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