Nfcu Mortgage Lending & HMDA Data, 2004

In 2004, Nfcu of Vienna, VA reported 63,034 mortgage applications totaling $8.9 billion, down 30% from 2003. The average application was for $141,046, and applicants reported an average income of $193,850. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (6,881), San Diego-Carlsbad-San Marcos, CA (3,135) and Jacksonville, FL (2,214) (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 63,034
Total Mortgage Loan Application Amount $8,890,723,000
Average Mortgage Loan Application Amount $141,046
Highest Mortgage Loan Application Amount $650,000
Average Applicant Income $193,850
Highest Applicant Income $1,992,000

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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Virginia Beach, Virginia 3,459 $ 378,700,000 $ 109,482 $ 230,000
San Diego, California 3,135 $ 568,447,000 $ 181,322 $ 344,000
Fairfax, Virginia 2,737 $ 571,436,000 $ 208,781 $ 228,000
Prince George's, Maryland 1,854 $ 214,304,000 $ 115,590 $ 269,000
Duval, Florida 1,484 $ 132,680,000 $ 89,407 $ 220,000
Prince William, Virginia 1,301 $ 221,728,000 $ 170,428 $ 261,000
Chesapeake, Virginia 1,234 $ 168,520,000 $ 136,564 $ 252,000
Anne Arundel, Maryland 1,204 $ 209,446,000 $ 173,958 $ 226,000
Honolulu, Hawaii 1,036 $ 245,561,000 $ 237,027 $ 234,000
Onslow, North Carolina 976 $ 78,005,000 $ 79,923 $ 214,000
Riverside, California 921 $ 155,335,000 $ 168,659 $ 338,000
Norfolk, Virginia 920 $ 92,047,000 $ 100,051 $ 195,000
Escambia, Florida 877 $ 84,786,000 $ 96,677 $ 186,000
Montgomery, Maryland 816 $ 160,996,000 $ 197,299 $ 314,000
Charles, Maryland 794 $ 110,323,000 $ 138,945 $ 321,000
Stafford, Virginia 738 $ 126,099,000 $ 170,865 $ 294,000
Kitsap, Washington 704 $ 89,396,000 $ 126,982 $ 211,000
St. Mary's, Maryland 676 $ 103,085,000 $ 152,492 $ 280,000
Camden, Georgia 674 $ 56,453,000 $ 83,758 $ 200,000
New London, Connecticut 641 $ 96,225,000 $ 150,117 $ 226,000
Loudoun, Virginia 620 $ 146,265,000 $ 235,911 $ 256,000
District of Columbia, District Of Columbia 575 $ 78,889,000 $ 137,198 $ 253,000
Spotsylvania, Virginia 482 $ 79,169,000 $ 164,251 $ 234,000
Beaufort, South Carolina 481 $ 45,869,000 $ 95,361 $ 251,000
Clay, Florida 479 $ 57,318,000 $ 119,661 $ 229,000
Los Angeles, California 455 $ 81,233,000 $ 178,534 $ 323,000
Suffolk, Virginia 414 $ 57,364,000 $ 138,560 $ 300,000
Maricopa, Arizona 380 $ 52,427,000 $ 137,965 $ 273,000
Arlington, Virginia 379 $ 88,722,000 $ 234,094 $ 182,000
Craven, North Carolina 372 $ 39,554,000 $ 106,327 $ 208,000
Orange, Florida 362 $ 44,629,000 $ 123,284 $ 200,000
Clark, Nevada 358 $ 59,411,000 $ 165,952 $ 218,000
San Bernardino, California 352 $ 44,008,000 $ 125,022 $ 267,000
Orange, California 326 $ 70,535,000 $ 216,365 $ 277,000
Calvert, Maryland 317 $ 48,140,000 $ 151,861 $ 340,000
Yuma, Arizona 311 $ 38,827,000 $ 124,845 $ 226,000
Nueces, Texas 285 $ 33,739,000 $ 118,382 $ 244,000
Portsmouth, Virginia 279 $ 23,384,000 $ 83,813 $ 209,000
Shelby, Tennessee 275 $ 35,960,000 $ 130,763 $ 215,000
Howard, Maryland 260 $ 46,659,000 $ 179,457 $ 274,000
Tarrant, Texas 259 $ 26,505,000 $ 102,335 $ 240,000
Santa Rosa, Florida 255 $ 30,042,000 $ 117,811 $ 176,000
Kings, California 247 $ 39,013,000 $ 157,947 $ 189,000
Alexandria, Virginia 247 $ 49,466,000 $ 200,267 $ 282,000
Broward, Florida 244 $ 34,348,000 $ 140,770 $ 221,000
Hillsborough, Florida 244 $ 36,408,000 $ 149,213 $ 242,000
Newport, Rhode Island 241 $ 42,076,000 $ 174,589 $ 302,000
Island, Washington 241 $ 26,740,000 $ 110,954 $ 243,000
Miami-Dade, Florida 226 $ 31,399,000 $ 138,933 $ 162,000
Harris, Texas 218 $ 25,004,000 $ 114,697 $ 229,000
Orleans, Louisiana 212 $ 16,381,000 $ 77,268 $ 223,000
Philadelphia, Pennsylvania 204 $ 13,889,000 $ 68,083 $ 214,000
Cook, Illinois 203 $ 27,507,000 $ 135,502 $ 338,000
Berkeley, South Carolina 197 $ 18,354,000 $ 93,167 $ 237,000
Lake, Illinois 194 $ 27,581,000 $ 142,170 $ 339,000
Camden, New Jersey 192 $ 19,480,000 $ 101,458 $ 226,000
Brevard, Florida 190 $ 26,104,000 $ 137,389 $ 223,000
Charleston, South Carolina 187 $ 23,806,000 $ 127,304 $ 232,000
Hampton, Virginia 187 $ 17,973,000 $ 96,112 $ 221,000
King, Washington 187 $ 34,363,000 $ 183,759 $ 231,000
Snohomish, Washington 187 $ 29,926,000 $ 160,032 $ 237,000
Frederick, Maryland 186 $ 30,094,000 $ 161,795 $ 289,000
Cuyahoga, Ohio 183 $ 15,891,000 $ 86,836 $ 172,000
Montgomery, Pennsylvania 181 $ 29,017,000 $ 160,314 $ 169,000
Ventura, California 177 $ 35,778,000 $ 202,135 $ 292,000
Seminole, Florida 176 $ 20,891,000 $ 118,698 $ 155,000
Gloucester, New Jersey 173 $ 19,885,000 $ 114,942 $ 229,000
Newport News, Virginia 168 $ 15,533,000 $ 92,458 $ 196,000
Delaware, Pennsylvania 155 $ 19,346,000 $ 124,812 $ 189,000
Wake, North Carolina 154 $ 21,524,000 $ 139,766 $ 199,000
Dorchester, South Carolina 152 $ 17,688,000 $ 116,368 $ 208,000
Bexar, Texas 152 $ 16,074,000 $ 105,750 $ 230,000
Baltimore, Maryland 149 $ 18,428,000 $ 123,677 $ 233,000
Burlington, New Jersey 149 $ 20,126,000 $ 135,073 $ 208,000
Pinellas, Florida 142 $ 17,009,000 $ 119,781 $ 225,000
St. Johns, Florida 142 $ 22,271,000 $ 156,838 $ 137,000
St. Tammany, Louisiana 141 $ 19,201,000 $ 136,177 $ 238,000
Carteret, North Carolina 138 $ 17,038,000 $ 123,463 $ 207,000
Jefferson, Louisiana 137 $ 10,739,000 $ 78,386 $ 226,000
Bucks, Pennsylvania 134 $ 21,587,000 $ 161,097 $ 249,000
Alachua, Florida 128 $ 17,637,000 $ 137,789 $ 211,000
Cobb, Georgia 126 $ 17,184,000 $ 136,380 $ 301,000
Cumberland, Maine 124 $ 19,153,000 $ 154,459 $ 158,000
San Patricio, Texas 122 $ 10,496,000 $ 86,032 $ 203,000
Fauquier, Virginia 120 $ 23,870,000 $ 198,916 $ 234,000
Baltimore City, Maryland 116 $ 12,340,000 $ 106,379 $ 201,000
Dallas, Texas 113 $ 10,344,000 $ 91,539 $ 267,000
Palm Beach, Florida 112 $ 20,058,000 $ 179,089 $ 148,000
Volusia, Florida 111 $ 12,109,000 $ 109,090 $ 133,000
Pierce, Washington 111 $ 17,570,000 $ 158,288 $ 244,000
El Paso, Colorado 109 $ 17,415,000 $ 159,770 $ 159,000
Gwinnett, Georgia 109 $ 15,720,000 $ 144,220 $ 170,000
Washington, Rhode Island 108 $ 20,505,000 $ 189,861 $ 130,000
Harrison, Mississippi 107 $ 8,732,000 $ 81,607 $ 232,000
Churchill, Nevada 107 $ 14,893,000 $ 139,186 $ 160,000
Kern, California 106 $ 13,656,000 $ 128,830 $ 214,000
Nassau, Florida 106 $ 11,729,000 $ 110,650 $ 270,000
Ocean, New Jersey 106 $ 15,562,000 $ 146,811 $ 237,000
New Castle, Delaware 101 $ 13,832,000 $ 136,950 $ 239,000
Sacramento, California 100 $ 18,070,000 $ 180,700 $ 276,000
Bay, Florida 95 $ 13,139,000 $ 138,305 $ 212,000
Fulton, Georgia 95 $ 13,780,000 $ 145,052 $ 168,000
Chesterfield, Virginia 94 $ 15,484,000 $ 164,723 $ 209,000
Pima, Arizona 91 $ 14,083,000 $ 154,758 $ 134,000
Mecklenburg, North Carolina 91 $ 10,438,000 $ 114,703 $ 275,000
Bernalillo, New Mexico 88 $ 11,975,000 $ 136,079 $ 223,000
Oklahoma, Oklahoma 87 $ 9,913,000 $ 113,942 $ 190,000
King George, Virginia 86 $ 16,405,000 $ 190,755 $ 191,000
Manassas, Virginia 84 $ 13,817,000 $ 164,488 $ 197,000
Pasco, Florida 83 $ 11,497,000 $ 138,518 $ 172,000
Bristol, Massachusetts 82 $ 13,624,000 $ 166,146 $ 205,000
Currituck, North Carolina 81 $ 11,915,000 $ 147,098 $ 189,000
Suffolk, New York 80 $ 13,281,000 $ 166,012 $ 366,000
Contra Costa, California 78 $ 18,181,000 $ 233,089 $ 314,000
DeKalb, Georgia 78 $ 11,143,000 $ 142,858 $ 197,000
Sagadahoc, Maine 77 $ 10,336,000 $ 134,233 $ 242,000
Jackson, Mississippi 77 $ 7,170,000 $ 93,116 $ 233,000
Saratoga, New York 77 $ 10,286,000 $ 133,584 $ 258,000
Sussex, Delaware 76 $ 14,778,000 $ 194,447 $ 141,000
Queen Anne's, Maryland 75 $ 12,701,000 $ 169,346 $ 194,000
Skagit, Washington 75 $ 10,798,000 $ 143,973 $ 251,000
Lake, Florida 74 $ 9,317,000 $ 125,905 $ 107,000
Middlesex, Massachusetts 73 $ 15,463,000 $ 211,821 $ 221,000
Allegheny, Pennsylvania 73 $ 7,837,000 $ 107,356 $ 241,000
Mobile, Alabama 72 $ 4,941,000 $ 68,625 $ 340,000
Lee, Florida 72 $ 9,236,000 $ 128,277 $ 216,000
York, Pennsylvania 72 $ 9,510,000 $ 132,083 $ 149,000
York, Virginia 71 $ 11,418,000 $ 160,816 $ 251,000
Worcester, Massachusetts 70 $ 12,332,000 $ 176,171 $ 184,000
Tipton, Tennessee 70 $ 7,733,000 $ 110,471 $ 270,000
Henrico, Virginia 69 $ 12,421,000 $ 180,014 $ 172,000
Jefferson, West Virginia 69 $ 10,824,000 $ 156,869 $ 240,000
Hartford, Connecticut 68 $ 9,833,000 $ 144,602 $ 318,000
Culpeper, Virginia 68 $ 11,471,000 $ 168,691 $ 279,000
Solano, California 67 $ 12,052,000 $ 179,880 $ 227,000
Chester, Pennsylvania 67 $ 12,123,000 $ 180,940 $ 226,000
Collin, Texas 66 $ 10,660,000 $ 161,515 $ 192,000
James City, Virginia 65 $ 12,437,000 $ 191,338 $ 177,000
Windham, Connecticut 64 $ 9,025,000 $ 141,015 $ 181,000
Fairfax City, Virginia 64 $ 11,440,000 $ 178,750 $ 230,000
Rockingham, New Hampshire 63 $ 10,881,000 $ 172,714 $ 209,000
Wayne, Michigan 62 $ 6,416,000 $ 103,483 $ 180,000
Monmouth, New Jersey 62 $ 12,125,000 $ 195,564 $ 222,000
Fort Bend, Texas 62 $ 6,370,000 $ 102,741 $ 306,000
New Haven, Connecticut 61 $ 8,689,000 $ 142,442 $ 273,000
Harford, Maryland 61 $ 8,346,000 $ 136,819 $ 335,000
New Hanover, North Carolina 61 $ 7,079,000 $ 116,049 $ 285,000
Dougherty, Georgia 60 $ 3,715,000 $ 61,916 $ 358,000
Nassau, New York 60 $ 10,854,000 $ 180,900 $ 214,000
Okaloosa, Florida 59 $ 7,269,000 $ 123,203 $ 171,000
Middlesex, New Jersey 59 $ 10,496,000 $ 177,898 $ 210,000
Monterey, California 58 $ 15,758,000 $ 271,689 $ 317,000
Franklin, Ohio 58 $ 7,860,000 $ 135,517 $ 186,000
Providence, Rhode Island 58 $ 10,574,000 $ 182,310 $ 189,000
Polk, Florida 57 $ 5,018,000 $ 88,035 $ 185,000
Santa Clara, California 56 $ 13,899,000 $ 248,196 $ 344,000
Sarasota, Florida 56 $ 7,942,000 $ 141,821 $ 144,000
Alameda, California 55 $ 13,793,000 $ 250,781 $ 194,000
Fresno, California 55 $ 9,757,000 $ 177,400 $ 196,000
Marion, Florida 55 $ 6,352,000 $ 115,490 $ 120,000
Richland, South Carolina 55 $ 6,580,000 $ 119,636 $ 208,000
Kenosha, Wisconsin 55 $ 7,419,000 $ 134,890 $ 236,000
Barnstable, Massachusetts 54 $ 10,844,000 $ 200,814 $ 127,000
Hillsborough, New Hampshire 54 $ 9,297,000 $ 172,166 $ 184,000
Pasquotank, North Carolina 54 $ 5,035,000 $ 93,240 $ 198,000
Carroll, Maryland 53 $ 8,747,000 $ 165,037 $ 156,000
Sarpy, Nebraska 53 $ 8,190,000 $ 154,528 $ 226,000
Cumberland, Pennsylvania 53 $ 7,914,000 $ 149,320 $ 168,000
Travis, Texas 53 $ 7,281,000 $ 137,377 $ 198,000
Guilford, North Carolina 52 $ 6,484,000 $ 124,692 $ 188,000
Washington, Oregon 52 $ 9,113,000 $ 175,250 $ 148,000
Baldwin, Alabama 50 $ 5,940,000 $ 118,800 $ 143,000
Madison, Alabama 50 $ 7,420,000 $ 148,400 $ 196,000
Leon, Florida 50 $ 7,104,000 $ 142,080 $ 171,000
Osceola, Florida 50 $ 5,681,000 $ 113,620 $ 134,000
San Joaquin, California 49 $ 8,268,000 $ 168,734 $ 171,000
Chatham, Georgia 49 $ 5,491,000 $ 112,061 $ 177,000
Lauderdale, Mississippi 49 $ 5,045,000 $ 102,959 $ 250,000
Horry, South Carolina 49 $ 4,917,000 $ 100,346 $ 197,000
El Paso, Texas 49 $ 4,646,000 $ 94,816 $ 187,000
Essex, Massachusetts 48 $ 10,355,000 $ 215,729 $ 107,000
St. Louis, Missouri 48 $ 6,609,000 $ 137,687 $ 330,000
Arapahoe, Colorado 47 $ 8,283,000 $ 176,234 $ 184,000
Macomb, Michigan 47 $ 4,774,000 $ 101,574 $ 305,000
Washoe, Nevada 47 $ 9,177,000 $ 195,255 $ 125,000
Queens, New York 47 $ 4,911,000 $ 104,489 $ 335,000
Kent, Rhode Island 47 $ 7,724,000 $ 164,340 $ 185,000
Washington, Maryland 46 $ 5,420,000 $ 117,826 $ 373,000
Cumberland, North Carolina 46 $ 4,652,000 $ 101,130 $ 177,000
Denton, Texas 46 $ 7,334,000 $ 159,434 $ 218,000
Fairfield, Connecticut 45 $ 8,418,000 $ 187,066 $ 261,000
St. Clair, Illinois 45 $ 6,740,000 $ 149,777 $ 77,000
Caroline, Virginia 45 $ 7,120,000 $ 158,222 $ 206,000
Androscoggin, Maine 44 $ 4,192,000 $ 95,272 $ 218,000
York, Maine 44 $ 8,001,000 $ 181,840 $ 179,000
Essex, New Jersey 44 $ 6,267,000 $ 142,431 $ 304,000
Erie, New York 44 $ 4,034,000 $ 91,681 $ 242,000
Buncombe, North Carolina 44 $ 6,307,000 $ 143,340 $ 136,000
Frederick, Virginia 44 $ 6,365,000 $ 144,659 $ 178,000
Clark, Washington 44 $ 6,598,000 $ 149,954 $ 254,000
Jefferson, Alabama 43 $ 4,189,000 $ 97,418 $ 291,000
Humboldt, California 43 $ 9,637,000 $ 224,116 $ 204,000
St. Lucie, Florida 43 $ 5,207,000 $ 121,093 $ 180,000
Jackson, Missouri 43 $ 5,316,000 $ 123,627 $ 168,000
Cleveland, Oklahoma 43 $ 5,344,000 $ 124,279 $ 198,000
Columbia, Georgia 42 $ 5,626,000 $ 133,952 $ 159,000
Hawaii, Hawaii 42 $ 8,385,000 $ 199,642 $ 113,000
Will, Illinois 42 $ 6,590,000 $ 156,904 $ 231,000
Mercer, New Jersey 42 $ 8,961,000 $ 213,357 $ 148,000
Onondaga, New York 42 $ 3,877,000 $ 92,309 $ 245,000
Warren, Virginia 42 $ 5,529,000 $ 131,642 $ 165,000
Manatee, Florida 41 $ 5,472,000 $ 133,463 $ 197,000
St. Charles, Missouri 41 $ 5,553,000 $ 135,439 $ 229,000
Mason, Washington 41 $ 5,197,000 $ 126,756 $ 214,000
Flagler, Florida 40 $ 4,885,000 $ 122,125 $ 162,000
Norfolk, Massachusetts 40 $ 7,287,000 $ 182,175 $ 88,000
Hennepin, Minnesota 40 $ 7,504,000 $ 187,600 $ 140,000
Multnomah, Oregon 40 $ 7,383,000 $ 184,575 $ 193,000
Orange, Virginia 40 $ 6,974,000 $ 174,350 $ 105,000
Hamilton, Ohio 39 $ 4,769,000 $ 122,282 $ 213,000
Lorain, Ohio 39 $ 4,243,000 $ 108,794 $ 124,000
Kent, Delaware 38 $ 5,310,000 $ 139,736 $ 202,000
Plymouth, Massachusetts 38 $ 7,531,000 $ 198,184 $ 169,000
Oakland, Michigan 38 $ 5,595,000 $ 147,236 $ 196,000
Union, New Jersey 38 $ 6,262,000 $ 164,789 $ 256,000
Pender, North Carolina 38 $ 5,754,000 $ 151,421 $ 247,000
Richmond City, Virginia 38 $ 5,519,000 $ 145,236 $ 131,000
East Baton Rouge, Louisiana 37 $ 4,124,000 $ 111,459 $ 159,000
Knox, Tennessee 37 $ 3,808,000 $ 102,918 $ 351,000
Montgomery, Texas 37 $ 3,593,000 $ 97,108 $ 214,000
DuPage, Illinois 36 $ 7,153,000 $ 198,694 $ 206,000
Kennebec, Maine 36 $ 3,622,000 $ 100,611 $ 140,000
Morris, New Jersey 36 $ 7,613,000 $ 211,472 $ 190,000
Forsyth, North Carolina 36 $ 4,261,000 $ 118,361 $ 209,000
Lehigh, Pennsylvania 36 $ 5,437,000 $ 151,027 $ 92,000
Isle of Wight, Virginia 36 $ 5,742,000 $ 159,500 $ 112,000
Worcester, Maryland 35 $ 5,170,000 $ 147,714 $ 171,000
Atlantic, New Jersey 35 $ 4,873,000 $ 139,228 $ 191,000
Bristol, Rhode Island 35 $ 6,738,000 $ 192,514 $ 333,000
Whatcom, Washington 35 $ 4,997,000 $ 142,771 $ 148,000
Douglas, Colorado 34 $ 7,586,000 $ 223,117 $ 277,000
Tolland, Connecticut 34 $ 5,392,000 $ 158,588 $ 68,000
Cherokee, Georgia 34 $ 6,100,000 $ 179,411 $ 160,000
Clayton, Georgia 34 $ 2,335,000 $ 68,676 $ 225,000
Durham, North Carolina 34 $ 5,145,000 $ 151,323 $ 145,000
Berks, Pennsylvania 34 $ 3,990,000 $ 117,352 $ 182,000
Greenville, South Carolina 34 $ 4,145,000 $ 121,911 $ 271,000
Falls Church, Virginia 34 $ 8,418,000 $ 247,588 $ 122,000
Berkeley, West Virginia 34 $ 4,841,000 $ 142,382 $ 170,000
Montgomery, Alabama 33 $ 2,958,000 $ 89,636 $ 243,000
Cochise, Arizona 33 $ 4,768,000 $ 144,484 $ 73,000
Middlesex, Connecticut 33 $ 5,464,000 $ 165,575 $ 122,000
Fayette, Georgia 33 $ 5,673,000 $ 171,909 $ 166,000
Jefferson, Kentucky 33 $ 3,649,000 $ 110,575 $ 167,000
Hampden, Massachusetts 33 $ 3,806,000 $ 115,333 $ 118,000
Cape May, New Jersey 33 $ 6,481,000 $ 196,393 $ 120,000
Butler, Ohio 33 $ 4,476,000 $ 135,636 $ 234,000
Monroe, Pennsylvania 33 $ 4,029,000 $ 122,090 $ 173,000
Pulaski, Arkansas 32 $ 3,723,000 $ 116,343 $ 321,000
Charlotte, Florida 32 $ 3,329,000 $ 104,031 $ 185,000
Monroe, Florida 32 $ 8,099,000 $ 253,093 $ 199,000
Paulding, Georgia 32 $ 3,235,000 $ 101,093 $ 197,000
Douglas, Nebraska 32 $ 4,410,000 $ 137,812 $ 159,000
Bergen, New Jersey 32 $ 8,164,000 $ 255,125 $ 147,000
Dare, North Carolina 32 $ 5,642,000 $ 176,312 $ 169,000
Lancaster, Pennsylvania 32 $ 3,673,000 $ 114,781 $ 418,000
Davidson, Tennessee 32 $ 3,785,000 $ 118,281 $ 170,000
Pinal, Arizona 31 $ 4,199,000 $ 135,451 $ 131,000
Stanislaus, California 31 $ 5,245,000 $ 169,193 $ 189,000
Johnson, Kansas 31 $ 4,673,000 $ 150,741 $ 145,000
Hanover, Virginia 31 $ 4,565,000 $ 147,258 $ 220,000
Yavapai, Arizona 30 $ 3,991,000 $ 133,033 $ 247,000
Jefferson, Colorado 30 $ 4,983,000 $ 166,100 $ 393,000
Hernando, Florida 30 $ 2,893,000 $ 96,433 $ 265,000
Henry, Georgia 30 $ 4,510,000 $ 150,333 $ 228,000
Marion, Indiana 30 $ 3,707,000 $ 123,566 $ 220,000
Monroe, New York 30 $ 3,255,000 $ 108,500 $ 270,000
Westchester, New York 30 $ 4,905,000 $ 163,500 $ 206,000
Summit, Ohio 30 $ 3,319,000 $ 110,633 $ 147,000
Lexington, South Carolina 30 $ 3,907,000 $ 130,233 $ 150,000
Spartanburg, South Carolina 30 $ 2,679,000 $ 89,300 $ 308,000
Albemarle, Virginia 30 $ 5,730,000 $ 191,000 $ 116,000
Manassas Park, Virginia 30 $ 4,998,000 $ 166,600 $ 188,000
Indian River, Florida 29 $ 3,724,000 $ 128,413 $ 94,000
Lee, Georgia 29 $ 2,847,000 $ 98,172 $ 143,000
Hancock, Mississippi 29 $ 2,650,000 $ 91,379 $ 214,000
Williamson, Texas 29 $ 4,483,000 $ 154,586 $ 201,000
Accomack, Virginia 29 $ 4,048,000 $ 139,586 $ 139,000
Louisa, Virginia 29 $ 5,408,000 $ 186,482 $ 175,000
Benton, Washington 29 $ 3,518,000 $ 121,310 $ 168,000
Milwaukee, Wisconsin 29 $ 2,603,000 $ 89,758 $ 333,000
Dakota, Minnesota 28 $ 4,367,000 $ 155,964 $ 103,000
Gloucester, Virginia 28 $ 3,567,000 $ 127,392 $ 199,000
Spokane, Washington 28 $ 3,716,000 $ 132,714 $ 229,000
El Dorado, California 27 $ 5,405,000 $ 200,185 $ 233,000
Denver, Colorado 27 $ 4,489,000 $ 166,259 $ 161,000
Collier, Florida 27 $ 4,999,000 $ 185,148 $ 217,000
Dauphin, Pennsylvania 27 $ 3,345,000 $ 123,888 $ 122,000
Northampton, Pennsylvania 27 $ 3,532,000 $ 130,814 $ 184,000
Westmoreland, Pennsylvania 27 $ 2,946,000 $ 109,111 $ 139,000
Placer, California 26 $ 7,408,000 $ 284,923 $ 212,000
Citrus, Florida 26 $ 2,314,000 $ 89,000 $ 93,000
Kane, Illinois 26 $ 4,532,000 $ 174,307 $ 223,000
Kings, New York 26 $ 3,443,000 $ 132,423 $ 253,000
Montgomery, Tennessee 26 $ 2,325,000 $ 89,423 $ 341,000
Rutherford, Tennessee 26 $ 3,231,000 $ 124,269 $ 99,000
Thurston, Washington 26 $ 3,410,000 $ 131,153 $ 191,000
Larimer, Colorado 25 $ 4,038,000 $ 161,520 $ 182,000
Appling, Georgia 25 $ 2,791,000 $ 111,640 $ 143,000
Douglas, Georgia 25 $ 3,070,000 $ 122,800 $ 195,000
Madison, Illinois 25 $ 2,589,000 $ 103,560 $ 150,000
Orange, New York 25 $ 4,391,000 $ 175,640 $ 156,000
Camden, North Carolina 25 $ 2,850,000 $ 114,000 $ 242,000
Lane, Oregon 25 $ 3,394,000 $ 135,760 $ 133,000
Salt Lake, Utah 25 $ 3,182,000 $ 127,280 $ 268,000
Fredericksburg, Virginia 25 $ 4,744,000 $ 189,760 $ 99,000
Washington, Arkansas 24 $ 3,257,000 $ 135,708 $ 247,000
Clarke, Georgia 24 $ 2,652,000 $ 110,500 $ 120,000
Ada, Idaho 24 $ 2,344,000 $ 97,666 $ 184,000
Suffolk, Massachusetts 24 $ 5,600,000 $ 233,333 $ 137,000
Merrimack, New Hampshire 24 $ 2,907,000 $ 121,125 $ 151,000
Brunswick, North Carolina 24 $ 3,463,000 $ 144,291 $ 228,000
Franklin, Pennsylvania 24 $ 2,485,000 $ 103,541 $ 107,000
Blount, Tennessee 24 $ 2,690,000 $ 112,083 $ 190,000
Anchorage, Alaska 23 $ 6,302,000 $ 274,000 $ 141,000
Mohave, Arizona 23 $ 3,245,000 $ 141,086 $ 124,000
San Mateo, California 23 $ 7,156,000 $ 311,130 $ 333,000
Boulder, Colorado 23 $ 3,723,000 $ 161,869 $ 155,000
Talbot, Maryland 23 $ 4,508,000 $ 196,000 $ 91,000
Wicomico, Maryland 23 $ 2,972,000 $ 129,217 $ 144,000
Washington, Minnesota 23 $ 4,463,000 $ 194,043 $ 232,000
Strafford, New Hampshire 23 $ 4,170,000 $ 181,304 $ 145,000
Pitt, North Carolina 23 $ 2,291,000 $ 99,608 $ 207,000
Clackamas, Oregon 23 $ 3,705,000 $ 161,086 $ 140,000
Luzerne, Pennsylvania 23 $ 1,733,000 $ 75,347 $ 160,000
Parker, Texas 23 $ 2,194,000 $ 95,391 $ 256,000
Tulare, California 22 $ 1,931,000 $ 87,772 $ 116,000
McHenry, Illinois 22 $ 3,775,000 $ 171,590 $ 396,000
Hudson, New Jersey 22 $ 3,353,000 $ 152,409 $ 248,000
Somerset, New Jersey 22 $ 4,784,000 $ 217,454 $ 118,000
Tulsa, Oklahoma 22 $ 1,655,000 $ 75,227 $ 193,000
Florence, South Carolina 22 $ 2,262,000 $ 102,818 $ 209,000
Cameron, Texas 22 $ 1,352,000 $ 61,454 $ 145,000
Galveston, Texas 22 $ 2,403,000 $ 109,227 $ 230,000
Hidalgo, Texas 22 $ 1,742,000 $ 79,181 $ 241,000
Shenandoah, Virginia 22 $ 2,577,000 $ 117,136 $ 130,000
Sumter, Florida 21 $ 2,087,000 $ 99,380 $ 170,000
Penobscot, Maine 21 $ 2,532,000 $ 120,571 $ 128,000
DeSoto, Mississippi 21 $ 2,385,000 $ 113,571 $ 344,000
Schenectady, New York 21 $ 3,184,000 $ 151,619 $ 128,000
Jackson, Oregon 21 $ 2,236,000 $ 106,476 $ 228,000
Centre, Pennsylvania 21 $ 2,602,000 $ 123,904 $ 270,000
Imperial, California 20 $ 2,469,000 $ 123,450 $ 171,000
Putnam, Florida 20 $ 1,580,000 $ 79,000 $ 397,000
Sedgwick, Kansas 20 $ 2,302,000 $ 115,100 $ 118,000
Carroll, New Hampshire 20 $ 2,430,000 $ 121,500 $ 207,000
Dutchess, New York 20 $ 2,803,000 $ 140,150 $ 348,000
Richmond, New York 20 $ 2,968,000 $ 148,400 $ 170,000
Montgomery, Ohio 20 $ 1,558,000 $ 77,900 $ 109,000
Erie, Pennsylvania 20 $ 1,835,000 $ 91,750 $ 180,000
Hamilton, Tennessee 20 $ 2,265,000 $ 113,250 $ 213,000
Westmoreland, Virginia 20 $ 2,910,000 $ 145,500 $ 77,000
Lee, Alabama 19 $ 2,147,000 $ 113,000 $ 190,000
Shelby, Alabama 19 $ 2,471,000 $ 130,052 $ 164,000
Pueblo, Colorado 19 $ 1,744,000 $ 91,789 $ 245,000
Lake, Indiana 19 $ 2,036,000 $ 107,157 $ 262,000
Monroe, Indiana 19 $ 2,936,000 $ 154,526 $ 168,000
Pearl River, Mississippi 19 $ 1,894,000 $ 99,684 $ 438,000
Gaston, North Carolina 19 $ 1,449,000 $ 76,263 $ 181,000
Bell, Texas 19 $ 1,971,000 $ 103,736 $ 183,000
Brazoria, Texas 19 $ 1,498,000 $ 78,842 $ 160,000
Kleberg, Texas 19 $ 1,029,000 $ 54,157 $ 255,000
Montgomery, Virginia 19 $ 2,777,000 $ 146,157 $ 91,000
Adams, Colorado 18 $ 1,933,000 $ 107,388 $ 403,000
Martin, Florida 18 $ 2,622,000 $ 145,666 $ 174,000
Glynn, Georgia 18 $ 2,221,000 $ 123,388 $ 124,000
Houston, Georgia 18 $ 1,962,000 $ 109,000 $ 199,000
Jackson, Georgia 18 $ 2,283,000 $ 126,833 $ 125,000
Boone, Kentucky 18 $ 2,446,000 $ 135,888 $ 72,000
Cass, Missouri 18 $ 2,388,000 $ 132,666 $ 217,000
Moore, North Carolina 18 $ 3,331,000 $ 185,055 $ 114,000
Greene, Ohio 18 $ 2,073,000 $ 115,166 $ 186,000
Lake, Ohio 18 $ 1,547,000 $ 85,944 $ 315,000
Adams, Pennsylvania 18 $ 2,171,000 $ 120,611 $ 389,000
Butler, Pennsylvania 18 $ 1,807,000 $ 100,388 $ 150,000
San Luis Obispo, California 17 $ 4,429,000 $ 260,529 $ 210,000
Weld, Colorado 17 $ 1,927,000 $ 113,352 $ 310,000
Adams, Illinois 17 $ 2,424,000 $ 142,588 $ 126,000
Shawnee, Kansas 17 $ 1,426,000 $ 83,882 $ 276,000
Tangipahoa, Louisiana 17 $ 1,544,000 $ 90,823 $ 243,000
Albany, New York 17 $ 2,403,000 $ 141,352 $ 112,000
Henderson, North Carolina 17 $ 2,584,000 $ 152,000 $ 91,000
Lucas, Ohio 17 $ 1,208,000 $ 71,058 $ 290,000
Medina, Ohio 17 $ 1,981,000 $ 116,529 $ 104,000
Brazos, Texas 17 $ 1,627,000 $ 95,705 $ 147,000
Lubbock, Texas 17 $ 1,477,000 $ 86,882 $ 155,000
Clarke, Virginia 17 $ 2,769,000 $ 162,882 $ 319,000
Rockingham, Virginia 17 $ 2,083,000 $ 122,529 $ 160,000
Calhoun, Alabama 16 $ 1,280,000 $ 80,000 $ 237,000
Richmond, Georgia 16 $ 1,150,000 $ 71,875 $ 165,000
Fayette, Kentucky 16 $ 1,656,000 $ 103,500 $ 104,000
Genesee, Michigan 16 $ 1,497,000 $ 93,562 $ 171,000
Washtenaw, Michigan 16 $ 2,703,000 $ 168,937 $ 127,000
Hinds, Mississippi 16 $ 1,383,000 $ 86,437 $ 96,000
Lancaster, Nebraska 16 $ 1,531,000 $ 95,687 $ 302,000
Lyon, Nevada 16 $ 2,185,000 $ 136,562 $ 175,000
Salem, New Jersey 16 $ 2,101,000 $ 131,312 $ 100,000
Dona Ana, New Mexico 16 $ 2,136,000 $ 133,500 $ 229,000
Broome, New York 16 $ 1,301,000 $ 81,312 $ 205,000
Union, North Carolina 16 $ 2,183,000 $ 136,437 $ 134,000
Cambria, Pennsylvania 16 $ 1,907,000 $ 119,187 $ 163,000
Aiken, South Carolina 16 $ 1,515,000 $ 94,687 $ 99,000
Sumner, Tennessee 16 $ 2,011,000 $ 125,687 $ 130,000
Coconino, Arizona 15 $ 2,627,000 $ 175,133 $ 325,000
Merced, California 15 $ 2,948,000 $ 196,533 $ 73,000
Charlton, Georgia 15 $ 936,000 $ 62,400 $ 235,000
Forsyth, Georgia 15 $ 2,861,000 $ 190,733 $ 89,000
Lowndes, Georgia 15 $ 1,856,000 $ 123,733 $ 73,000
Kootenai, Idaho 15 $ 2,504,000 $ 166,933 $ 207,000
Allen, Indiana 15 $ 1,330,000 $ 88,666 $ 227,000
Caddo, Louisiana 15 $ 489,000 $ 32,600 $ 301,000
Plaquemines, Louisiana 15 $ 1,138,000 $ 75,866 $ 264,000
Kent, Michigan 15 $ 2,093,000 $ 139,533 $ 296,000
Platte, Missouri 15 $ 1,835,000 $ 122,333 $ 198,000
Pulaski, Missouri 15 $ 1,341,000 $ 89,400 $ 312,000
Grafton, New Hampshire 15 $ 2,230,000 $ 148,666 $ 160,000
Passaic, New Jersey 15 $ 2,556,000 $ 170,400 $ 268,000
Sandoval, New Mexico 15 $ 2,073,000 $ 138,200 $ 78,000
Oneida, New York 15 $ 1,224,000 $ 81,600 $ 271,000
Ulster, New York 15 $ 1,839,000 $ 122,600 $ 192,000
Nash, North Carolina 15 $ 1,288,000 $ 85,866 $ 224,000
Ashtabula, Ohio 15 $ 1,375,000 $ 91,666 $ 120,000
Delaware, Ohio 15 $ 1,838,000 $ 122,533 $ 211,000
Marion, Oregon 15 $ 2,254,000 $ 150,266 $ 238,000
Washington, Pennsylvania 15 $ 1,644,000 $ 109,600 $ 154,000
Jasper, South Carolina 15 $ 1,219,000 $ 81,266 $ 292,000
Comal, Texas 15 $ 1,481,000 $ 98,733 $ 226,000
McLennan, Texas 15 $ 1,205,000 $ 80,333 $ 390,000
Davis, Utah 15 $ 2,450,000 $ 163,333 $ 299,000
Sonoma, California 14 $ 2,966,000 $ 211,857 $ 245,000
Mesa, Colorado 14 $ 1,051,000 $ 75,071 $ 253,000
Bibb, Georgia 14 $ 1,418,000 $ 101,285 $ 325,000
Hall, Georgia 14 $ 1,961,000 $ 140,071 $ 83,000
Kauai, Hawaii 14 $ 3,257,000 $ 232,642 $ 244,000
Ramsey, Minnesota 14 $ 2,199,000 $ 157,071 $ 201,000
Cumberland, New Jersey 14 $ 1,399,000 $ 99,928 $ 309,000
Hunterdon, New Jersey 14 $ 2,322,000 $ 165,857 $ 102,000
Sussex, New Jersey 14 $ 2,540,000 $ 181,428 $ 201,000
Tompkins, New York 14 $ 1,834,000 $ 131,000 $ 99,000
Warren, New York 14 $ 1,686,000 $ 120,428 $ 143,000
Duplin, North Carolina 14 $ 740,000 $ 52,857 $ 166,000
Johnston, North Carolina 14 $ 1,374,000 $ 98,142 $ 87,000
Orange, North Carolina 14 $ 2,683,000 $ 191,642 $ 96,000
Colleton, South Carolina 14 $ 637,000 $ 45,500 $ 388,000
York, South Carolina 14 $ 1,524,000 $ 108,857 $ 319,000
Chittenden, Vermont 14 $ 2,605,000 $ 186,071 $ 67,000
Bedford, Virginia 14 $ 2,042,000 $ 145,857 $ 199,000
Harrisonburg, Virginia 14 $ 1,575,000 $ 112,500 $ 99,000
Waukesha, Wisconsin 14 $ 2,952,000 $ 210,857 $ 95,000
Benton, Arkansas 13 $ 1,063,000 $ 81,769 $ 144,000
Madera, California 13 $ 1,225,000 $ 94,230 $ 535,000
San Francisco, California 13 $ 2,858,000 $ 219,846 $ 344,000
Yolo, California 13 $ 3,721,000 $ 286,230 $ 153,000
Walton, Florida 13 $ 2,618,000 $ 201,384 $ 88,000
Carroll, Georgia 13 $ 2,322,000 $ 178,615 $ 160,000
Muscogee, Georgia 13 $ 1,859,000 $ 143,000 $ 58,000
Rockdale, Georgia 13 $ 1,309,000 $ 100,692 $ 207,000
Douglas, Kansas 13 $ 2,080,000 $ 160,000 $ 91,000
Lafayette, Louisiana 13 $ 1,271,000 $ 97,769 $ 150,000
St. Bernard, Louisiana 13 $ 417,000 $ 32,076 $ 435,000
Cecil, Maryland 13 $ 2,608,000 $ 200,615 $ 130,000
Dorchester, Maryland 13 $ 2,378,000 $ 182,923 $ 128,000
Madison, Mississippi 13 $ 1,816,000 $ 139,692 $ 79,000
Deschutes, Oregon 13 $ 2,384,000 $ 183,384 $ 125,000
Williamson, Tennessee 13 $ 2,272,000 $ 174,769 $ 102,000
Utah, Utah 13 $ 2,074,000 $ 159,538 $ 199,000
Augusta, Virginia 13 $ 2,032,000 $ 156,307 $ 232,000
Lynchburg, Virginia 13 $ 983,000 $ 75,615 $ 137,000
Roanoke City, Virginia 13 $ 1,266,000 $ 97,384 $ 43,000
Grays Harbor, Washington 13 $ 1,662,000 $ 127,846 $ 79,000
Coweta, Georgia 12 $ 1,868,000 $ 155,666 $ 163,000
Hamilton, Indiana 12 $ 1,895,000 $ 157,916 $ 66,000
Leavenworth, Kansas 12 $ 1,210,000 $ 100,833 $ 165,000
Oldham, Kentucky 12 $ 1,100,000 $ 91,666 $ 362,000
Ascension, Louisiana 12 $ 2,012,000 $ 167,666 $ 81,000
St. Charles, Louisiana 12 $ 1,248,000 $ 104,000 $ 235,000
Caroline, Maryland 12 $ 998,000 $ 83,166 $ 378,000
Muskegon, Michigan 12 $ 1,318,000 $ 109,833 $ 75,000
Boone, Missouri 12 $ 1,646,000 $ 137,166 $ 136,000
St. Louis City, Missouri 12 $ 1,421,000 $ 118,416 $ 66,000
Cheshire, New Hampshire 12 $ 2,024,000 $ 168,666 $ 104,000
Bronx, New York 12 $ 1,630,000 $ 135,833 $ 136,000
Cabarrus, North Carolina 12 $ 1,025,000 $ 85,416 $ 248,000
Portage, Ohio 12 $ 1,409,000 $ 117,416 $ 145,000
Lebanon, Pennsylvania 12 $ 1,297,000 $ 108,083 $ 75,000
Anderson, South Carolina 12 $ 1,989,000 $ 165,750 $ 111,000
Georgetown, South Carolina 12 $ 984,000 $ 82,000 $ 148,000
Orangeburg, South Carolina 12 $ 372,000 $ 31,000 $ 340,000
Sumter, South Carolina 12 $ 1,069,000 $ 89,083 $ 126,000
Ellis, Texas 12 $ 1,492,000 $ 124,333 $ 222,000
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Mortgage Loan Application Detail Totals for Nfcu in 2004

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 30,595 $4,521,405,000 $120,666 $650,000 $84,215 $1,872,000
Home Purchase 23,244 $4,246,284,000 $168,283 $650,000 $99,660 $1,944,000
Home Improvement 9,195 $123,034,000 $14,865 $215,000 $793,807 $1,992,000

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 31,635 $4,665,859,000 $133,698 $650,000 $213,132 $1,992,000
Not Provided 15,835 $2,408,418,000 $135,584 $650,000 $153,509 $1,980,000
Black or African American 8,081 $809,674,000 $90,860 $650,000 $330,820 $1,992,000
Hispanic 3,531 $436,599,000 $115,780 $650,000 $237,120 $1,992,000
Asian 2,574 $433,185,000 $149,348 $650,000 $151,744 $1,932,000
American Indian or Alaskan Native 892 $69,114,000 $89,413 $640,000 $344,586 $1,956,000
Native Hawaiian or Other Pacific Islander 462 $63,203,000 $119,307 $595,000 $302,897 $1,848,000
Not applicable 24 $4,671,000 $202,700 $390,000 $109,200 $960,000

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) 61,838 $8,734,027,000 $128,264 $650,000 $210,566 $1,992,000
VA-guaranteed (Veterans Administration) 1,196 $156,696,000 $132,823 $241,000 $68,019 $458,000
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 43,187 $6,017,829,000 $125,557 $650,000 $228,884 $1,992,000
Application Withdrawn By Applicant 12,635 $2,097,082,000 $144,942 $650,000 $122,076 $1,956,000
Application Denied By Financial Institution 5,154 $456,900,000 $96,078 $650,000 $296,862 $1,968,000
Application Approved But Not Accepted 1,052 $147,416,000 $126,311 $650,000 $79,644 $480,000
Preapproval Denied by Financial Institution 991 $169,344,000 $170,000 $650,000 $61,000 $350,000
Preapproval Approved but not Accepted 15 $2,152,000 $143,000 $320,000 $174,000 $540,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 3,338 $358,154,000 $100,460 $650,000 $224,560 $1,968,000
Other 1,336 $38,321,000 $33,632 $634,000 $606,469 $1,944,000
Debt-To-Income Ratio 1,177 $204,123,000 $173,244 $650,000 $111,102 $1,884,000
Collateral 186 $11,256,000 $71,878 $500,000 $368,818 $1,800,000
Employment History 64 $7,319,000 $97,000 $495,000 $170,545 $1,236,000
Insufficient Cash (Downpayment, Closing Cost) 35 $6,437,000 $193,400 $550,000 $83,533 $275,000
Unverifiable Information 8 $514,000 $72,857 $150,000 $138,142 $516,000
Credit Application Incomplete 1 $120,000 $120,000 $120,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2004 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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