Nfcu Mortgage Lending & HMDA Data, 2007

In 2007, Nfcu of Vienna, VA reported 74,979 mortgage applications totaling $13.8 billion, up 15% from 2006. The average application was for $183,705, and applicants reported an average income of $91,440. 50% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (9,215), Virginia Beach-Norfolk-Newport News, VA-NC (7,406) and San Diego-Carlsbad-San Marcos, CA (2,697) (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 74,979
Total Mortgage Loan Application Amount $13,774,019,000
Average Mortgage Loan Application Amount $183,705
Highest Mortgage Loan Application Amount $1,941,000
Average Applicant Income $91,440
Highest Applicant Income $2,632,000

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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 3,348 $ 493,601,000 $ 147,431 $ 82,000
San Diego, California 2,697 $ 660,685,000 $ 244,970 $ 115,000
Fairfax, Virginia 2,089 $ 541,717,000 $ 259,318 $ 127,000
Prince George's, Maryland 2,005 $ 379,135,000 $ 189,094 $ 97,000
Duval, Florida 1,600 $ 181,162,000 $ 113,226 $ 73,000
Chesapeake, Virginia 1,319 $ 227,488,000 $ 172,470 $ 89,000
Onslow, North Carolina 1,101 $ 125,703,000 $ 114,171 $ 69,000
Prince William, Virginia 1,082 $ 247,575,000 $ 228,812 $ 114,000
Norfolk, Virginia 1,037 $ 137,174,000 $ 132,279 $ 72,000
Anne Arundel, Maryland 974 $ 200,977,000 $ 206,341 $ 118,000
Escambia, Florida 841 $ 95,057,000 $ 113,028 $ 67,000
Riverside, California 784 $ 183,505,000 $ 234,062 $ 106,000
Honolulu, Hawaii 762 $ 202,523,000 $ 265,778 $ 105,000
Kitsap, Washington 732 $ 113,019,000 $ 154,397 $ 86,000
Charles, Maryland 731 $ 145,338,000 $ 198,820 $ 104,000
Montgomery, Maryland 700 $ 163,228,000 $ 233,182 $ 129,000
Stafford, Virginia 643 $ 143,604,000 $ 223,334 $ 118,000
Camden, Georgia 632 $ 78,153,000 $ 123,659 $ 65,000
St. Mary's, Maryland 597 $ 115,299,000 $ 193,130 $ 110,000
District of Columbia, District Of Columbia 573 $ 104,094,000 $ 181,664 $ 94,000
Loudoun, Virginia 464 $ 135,969,000 $ 293,036 $ 121,000
Clay, Florida 453 $ 58,995,000 $ 130,231 $ 85,000
New London, Connecticut 439 $ 62,716,000 $ 142,861 $ 86,000
Spotsylvania, Virginia 436 $ 82,956,000 $ 190,266 $ 103,000
Suffolk, Virginia 414 $ 73,698,000 $ 178,014 $ 87,000
Los Angeles, California 410 $ 92,322,000 $ 225,175 $ 118,000
Beaufort, South Carolina 378 $ 51,285,000 $ 135,674 $ 73,000
Portsmouth, Virginia 378 $ 45,709,000 $ 120,923 $ 66,000
Maricopa, Arizona 368 $ 69,912,000 $ 189,978 $ 96,000
San Bernardino, California 362 $ 67,441,000 $ 186,301 $ 89,000
Clark, Nevada 340 $ 67,736,000 $ 199,223 $ 97,000
Orange, Florida 336 $ 51,499,000 $ 153,270 $ 83,000
Shelby, Tennessee 334 $ 45,846,000 $ 137,263 $ 88,000
Craven, North Carolina 314 $ 39,546,000 $ 125,942 $ 73,000
Alexandria, Virginia 280 $ 71,919,000 $ 256,853 $ 127,000
Arlington, Virginia 280 $ 83,577,000 $ 298,489 $ 142,000
Tarrant, Texas 277 $ 35,452,000 $ 127,985 $ 85,000
Hampton, Virginia 268 $ 34,795,000 $ 129,832 $ 73,000
Santa Rosa, Florida 266 $ 34,606,000 $ 130,097 $ 81,000
Orange, California 252 $ 68,948,000 $ 273,603 $ 145,000
Yuma, Arizona 250 $ 37,179,000 $ 148,716 $ 71,000
Newport News, Virginia 248 $ 30,811,000 $ 124,237 $ 77,000
Berkeley, South Carolina 247 $ 33,754,000 $ 136,655 $ 71,000
Nueces, Texas 242 $ 31,713,000 $ 131,045 $ 85,000
Calvert, Maryland 238 $ 45,462,000 $ 191,016 $ 119,000
Island, Washington 238 $ 31,384,000 $ 131,865 $ 77,000
Harris, Texas 234 $ 29,727,000 $ 127,038 $ 87,000
Snohomish, Washington 229 $ 47,159,000 $ 205,934 $ 93,000
Philadelphia, Pennsylvania 227 $ 20,813,000 $ 91,687 $ 87,000
Hillsborough, Florida 225 $ 41,432,000 $ 184,142 $ 101,000
Charleston, South Carolina 218 $ 33,378,000 $ 153,110 $ 91,000
Broward, Florida 210 $ 38,764,000 $ 184,590 $ 91,000
Cook, Illinois 207 $ 34,183,000 $ 165,135 $ 96,000
Howard, Maryland 198 $ 50,831,000 $ 256,722 $ 118,000
Miami-Dade, Florida 197 $ 29,774,000 $ 151,137 $ 89,000
Cuyahoga, Ohio 196 $ 17,387,000 $ 88,709 $ 67,000
Baltimore City, Maryland 195 $ 23,186,000 $ 118,902 $ 83,000
Newport, Rhode Island 187 $ 34,141,000 $ 182,572 $ 106,000
Wake, North Carolina 186 $ 31,886,000 $ 171,430 $ 103,000
Baltimore, Maryland 183 $ 30,421,000 $ 166,234 $ 91,000
King, Washington 177 $ 38,475,000 $ 217,372 $ 102,000
Mecklenburg, North Carolina 171 $ 25,148,000 $ 147,064 $ 95,000
Camden, New Jersey 168 $ 21,422,000 $ 127,511 $ 90,000
Frederick, Maryland 167 $ 38,121,000 $ 228,269 $ 109,000
Lake, Illinois 166 $ 28,855,000 $ 173,825 $ 86,000
Bexar, Texas 160 $ 21,964,000 $ 137,275 $ 94,000
Fulton, Georgia 158 $ 27,749,000 $ 175,626 $ 111,000
Dorchester, South Carolina 150 $ 20,647,000 $ 137,646 $ 91,000
Cobb, Georgia 149 $ 24,333,000 $ 163,308 $ 89,000
Seminole, Florida 148 $ 23,644,000 $ 159,756 $ 87,000
Gwinnett, Georgia 148 $ 23,297,000 $ 157,412 $ 91,000
Orleans, Louisiana 148 $ 16,289,000 $ 110,060 $ 74,000
Gloucester, New Jersey 145 $ 19,345,000 $ 133,413 $ 89,000
Montgomery, Pennsylvania 136 $ 25,167,000 $ 185,051 $ 105,000
Kings, California 135 $ 23,598,000 $ 174,800 $ 92,000
DeKalb, Georgia 135 $ 18,290,000 $ 135,481 $ 80,000
St. Johns, Florida 134 $ 22,588,000 $ 168,567 $ 109,000
Ventura, California 132 $ 32,665,000 $ 247,462 $ 119,000
Brevard, Florida 130 $ 22,291,000 $ 171,469 $ 89,000
Carteret, North Carolina 127 $ 20,111,000 $ 158,354 $ 85,000
Harrison, Mississippi 126 $ 12,929,000 $ 102,611 $ 62,000
King George, Virginia 126 $ 25,637,000 $ 203,468 $ 108,000
Pierce, Washington 123 $ 21,301,000 $ 173,178 $ 89,000
Burlington, New Jersey 120 $ 17,625,000 $ 146,875 $ 107,000
Jefferson, Louisiana 118 $ 13,987,000 $ 118,533 $ 73,000
Currituck, North Carolina 117 $ 17,636,000 $ 150,735 $ 94,000
Bucks, Pennsylvania 115 $ 20,554,000 $ 178,730 $ 111,000
Pima, Arizona 113 $ 20,035,000 $ 177,300 $ 94,000
St. Tammany, Louisiana 113 $ 17,664,000 $ 156,318 $ 92,000
Delaware, Pennsylvania 113 $ 16,638,000 $ 147,238 $ 88,000
Kern, California 111 $ 17,210,000 $ 155,045 $ 98,000
Palm Beach, Florida 109 $ 22,341,000 $ 204,963 $ 113,000
El Paso, Colorado 108 $ 21,492,000 $ 199,000 $ 94,000
Pinellas, Florida 105 $ 15,340,000 $ 146,095 $ 93,000
San Patricio, Texas 104 $ 10,142,000 $ 97,519 $ 67,000
Volusia, Florida 102 $ 15,913,000 $ 156,009 $ 79,000
Dallas, Texas 100 $ 11,925,000 $ 119,250 $ 89,000
Nassau, Florida 97 $ 12,915,000 $ 133,144 $ 83,000
Chesterfield, Virginia 93 $ 19,123,000 $ 205,623 $ 96,000
Mobile, Alabama 92 $ 12,692,000 $ 137,956 $ 86,000
Bay, Florida 88 $ 14,548,000 $ 165,318 $ 96,000
Cumberland, Maine 88 $ 14,722,000 $ 167,295 $ 102,000
Fauquier, Virginia 88 $ 20,386,000 $ 231,659 $ 102,000
Queen Anne's, Maryland 87 $ 17,413,000 $ 200,149 $ 109,000
Henrico, Virginia 84 $ 14,392,000 $ 171,333 $ 94,000
New Castle, Delaware 83 $ 13,351,000 $ 160,855 $ 100,000
Horry, South Carolina 83 $ 12,345,000 $ 148,734 $ 105,000
Washington, Rhode Island 82 $ 16,051,000 $ 195,743 $ 118,000
Allegheny, Pennsylvania 81 $ 8,674,000 $ 107,086 $ 85,000
Travis, Texas 81 $ 15,232,000 $ 188,049 $ 114,000
Middlesex, Massachusetts 78 $ 19,812,000 $ 254,000 $ 118,000
Tipton, Tennessee 78 $ 8,345,000 $ 106,987 $ 77,000
Bibb, Georgia 76 $ 4,739,000 $ 62,355 $ 82,000
Pasquotank, North Carolina 76 $ 8,893,000 $ 117,013 $ 72,000
Pasco, Florida 75 $ 11,675,000 $ 155,666 $ 95,000
Cumberland, North Carolina 75 $ 9,798,000 $ 130,640 $ 85,000
Ocean, New Jersey 74 $ 13,856,000 $ 187,243 $ 108,000
Suffolk, New York 74 $ 12,087,000 $ 163,337 $ 107,000
Polk, Florida 73 $ 9,492,000 $ 130,027 $ 75,000
Lee, Georgia 73 $ 11,803,000 $ 161,684 $ 88,000
James City, Virginia 73 $ 19,085,000 $ 261,438 $ 109,000
Manassas, Virginia 73 $ 17,291,000 $ 236,863 $ 96,000
Sacramento, California 72 $ 13,901,000 $ 193,069 $ 104,000
York, Pennsylvania 71 $ 10,894,000 $ 153,436 $ 95,000
Denton, Texas 71 $ 10,798,000 $ 152,084 $ 94,000
Hartford, Connecticut 70 $ 12,168,000 $ 173,828 $ 109,000
Franklin, Ohio 69 $ 7,398,000 $ 107,217 $ 93,000
Chester, Pennsylvania 69 $ 12,794,000 $ 185,420 $ 119,000
Oklahoma, Oklahoma 68 $ 9,921,000 $ 145,897 $ 83,000
York, Virginia 68 $ 14,037,000 $ 206,426 $ 101,000
Berkeley, West Virginia 68 $ 11,367,000 $ 167,161 $ 76,000
Baldwin, Alabama 67 $ 11,544,000 $ 172,298 $ 94,000
Okaloosa, Florida 67 $ 11,055,000 $ 165,000 $ 91,000
Frederick, Virginia 67 $ 13,363,000 $ 199,447 $ 84,000
Wayne, Michigan 66 $ 8,271,000 $ 125,318 $ 84,000
Fort Bend, Texas 66 $ 9,793,000 $ 148,378 $ 96,000
Santa Clara, California 65 $ 20,336,000 $ 312,861 $ 168,000
New Haven, Connecticut 65 $ 10,785,000 $ 165,923 $ 112,000
Dougherty, Georgia 65 $ 6,520,000 $ 100,307 $ 77,000
Guilford, North Carolina 65 $ 10,221,000 $ 157,246 $ 85,000
Jefferson, West Virginia 65 $ 11,387,000 $ 175,184 $ 80,000
Harford, Maryland 64 $ 12,408,000 $ 193,875 $ 110,000
Richland, South Carolina 64 $ 7,544,000 $ 117,875 $ 82,000
Madison, Alabama 63 $ 10,392,000 $ 164,952 $ 104,000
Sussex, Delaware 63 $ 15,702,000 $ 249,238 $ 154,000
Churchill, Nevada 63 $ 10,042,000 $ 159,396 $ 78,000
Culpeper, Virginia 63 $ 11,641,000 $ 184,777 $ 90,000
Isle of Wight, Virginia 63 $ 12,044,000 $ 191,174 $ 94,000
Fairfield, Connecticut 62 $ 15,613,000 $ 251,822 $ 127,000
Caroline, Virginia 62 $ 10,164,000 $ 163,935 $ 90,000
Jefferson, Alabama 61 $ 7,270,000 $ 119,180 $ 87,000
Columbia, Georgia 61 $ 10,465,000 $ 171,557 $ 86,000
Lake, Florida 60 $ 8,644,000 $ 144,066 $ 82,000
Bernalillo, New Mexico 60 $ 8,977,000 $ 149,616 $ 96,000
Collin, Texas 60 $ 11,522,000 $ 192,033 $ 107,000
Osceola, Florida 59 $ 7,217,000 $ 122,322 $ 77,000
Alameda, California 58 $ 17,208,000 $ 296,689 $ 161,000
Lee, Florida 58 $ 11,188,000 $ 192,896 $ 97,000
Marion, Florida 58 $ 6,435,000 $ 110,948 $ 75,000
Henry, Georgia 58 $ 7,701,000 $ 132,775 $ 88,000
Saratoga, New York 58 $ 8,675,000 $ 149,568 $ 81,000
Providence, Rhode Island 58 $ 9,114,000 $ 157,137 $ 107,000
Orange, Virginia 58 $ 11,982,000 $ 206,586 $ 99,000
Contra Costa, California 57 $ 16,916,000 $ 296,771 $ 139,000
Arapahoe, Colorado 57 $ 11,232,000 $ 197,052 $ 102,000
Douglas, Colorado 57 $ 12,533,000 $ 219,877 $ 118,000
Williamson, Texas 57 $ 8,844,000 $ 155,157 $ 93,000
Kenosha, Wisconsin 57 $ 7,882,000 $ 138,280 $ 80,000
Jackson, Missouri 56 $ 6,533,000 $ 116,660 $ 98,000
Solano, California 55 $ 15,293,000 $ 278,054 $ 113,000
Multnomah, Oregon 55 $ 9,269,000 $ 168,527 $ 77,000
Salt Lake, Utah 55 $ 10,105,000 $ 183,727 $ 100,000
Warren, Virginia 55 $ 10,291,000 $ 187,109 $ 83,000
Skagit, Washington 55 $ 12,023,000 $ 218,600 $ 110,000
Douglas, Georgia 53 $ 6,369,000 $ 120,169 $ 70,000
Jefferson, Kentucky 53 $ 6,628,000 $ 125,056 $ 87,000
Washington, Oregon 53 $ 9,995,000 $ 188,584 $ 106,000
Pinal, Arizona 52 $ 10,005,000 $ 192,403 $ 77,000
New Hanover, North Carolina 52 $ 8,528,000 $ 164,000 $ 86,000
Glynn, Georgia 51 $ 7,924,000 $ 155,372 $ 86,000
Bristol, Massachusetts 51 $ 8,848,000 $ 173,490 $ 98,000
Cumberland, Pennsylvania 51 $ 8,347,000 $ 163,666 $ 95,000
Richmond City, Virginia 51 $ 6,685,000 $ 131,078 $ 81,000
Mason, Washington 51 $ 7,043,000 $ 138,098 $ 78,000
Chatham, Georgia 50 $ 6,622,000 $ 132,440 $ 66,000
Monmouth, New Jersey 50 $ 10,128,000 $ 202,560 $ 129,000
Queens, New York 50 $ 7,449,000 $ 148,980 $ 88,000
Windham, Connecticut 49 $ 5,914,000 $ 120,693 $ 71,000
Cherokee, Georgia 49 $ 8,176,000 $ 166,857 $ 110,000
Paulding, Georgia 49 $ 5,920,000 $ 120,816 $ 69,000
Jackson, Mississippi 49 $ 5,207,000 $ 106,265 $ 74,000
Erie, New York 48 $ 3,796,000 $ 79,083 $ 84,000
Nassau, New York 48 $ 11,189,000 $ 233,104 $ 154,000
Montgomery, Texas 48 $ 7,448,000 $ 155,166 $ 105,000
Gloucester, Virginia 48 $ 6,794,000 $ 141,541 $ 75,000
Alachua, Florida 46 $ 6,008,000 $ 130,608 $ 87,000
St. Lucie, Florida 46 $ 7,417,000 $ 161,239 $ 84,000
Clayton, Georgia 46 $ 4,357,000 $ 94,717 $ 64,000
Carroll, Maryland 46 $ 8,880,000 $ 193,043 $ 114,000
Essex, Massachusetts 46 $ 7,799,000 $ 169,543 $ 126,000
Worcester, Massachusetts 46 $ 8,717,000 $ 189,500 $ 90,000
St. Louis, Missouri 46 $ 5,917,000 $ 128,630 $ 103,000
Essex, New Jersey 46 $ 10,646,000 $ 231,434 $ 130,000
Lorain, Ohio 46 $ 5,675,000 $ 123,369 $ 78,000
York, South Carolina 46 $ 8,700,000 $ 189,130 $ 90,000
El Paso, Texas 46 $ 5,244,000 $ 114,000 $ 81,000
Camden, North Carolina 45 $ 7,683,000 $ 170,733 $ 86,000
Greenville, South Carolina 45 $ 6,421,000 $ 142,688 $ 83,000
Will, Illinois 44 $ 6,154,000 $ 139,863 $ 108,000
Manatee, Florida 43 $ 7,462,000 $ 173,534 $ 82,000
York, Maine 43 $ 7,856,000 $ 182,697 $ 103,000
Hennepin, Minnesota 43 $ 8,593,000 $ 199,837 $ 125,000
Durham, North Carolina 43 $ 7,255,000 $ 168,720 $ 91,000
Hamilton, Tennessee 43 $ 5,043,000 $ 117,279 $ 87,000
Clark, Washington 43 $ 6,504,000 $ 151,255 $ 100,000
Lauderdale, Mississippi 42 $ 4,822,000 $ 114,809 $ 72,000
Rockingham, New Hampshire 42 $ 7,129,000 $ 169,738 $ 109,000
Pitt, North Carolina 42 $ 5,098,000 $ 121,380 $ 81,000
Brazoria, Texas 42 $ 6,401,000 $ 152,404 $ 99,000
Sarpy, Nebraska 40 $ 7,109,000 $ 177,725 $ 91,000
Washoe, Nevada 40 $ 9,124,000 $ 228,100 $ 107,000
Hamilton, Ohio 40 $ 5,022,000 $ 125,550 $ 83,000
Monterey, California 39 $ 11,047,000 $ 283,256 $ 200,000
Denver, Colorado 39 $ 5,504,000 $ 141,128 $ 100,000
Plymouth, Massachusetts 39 $ 8,281,000 $ 212,333 $ 98,000
Berks, Pennsylvania 39 $ 4,983,000 $ 127,769 $ 81,000
Kleberg, Texas 39 $ 3,166,000 $ 81,179 $ 68,000
Forsyth, Georgia 38 $ 7,969,000 $ 209,710 $ 125,000
East Baton Rouge, Louisiana 38 $ 5,866,000 $ 154,368 $ 99,000
Middlesex, New Jersey 38 $ 7,476,000 $ 196,736 $ 88,000
Westchester, New York 38 $ 13,180,000 $ 346,842 $ 177,000
Brunswick, North Carolina 38 $ 6,327,000 $ 166,500 $ 109,000
Dare, North Carolina 38 $ 9,000,000 $ 236,842 $ 132,000
Forsyth, North Carolina 38 $ 5,297,000 $ 139,394 $ 100,000
Knox, Tennessee 38 $ 5,709,000 $ 150,236 $ 85,000
Lake, Indiana 37 $ 4,432,000 $ 119,783 $ 82,000
Atlantic, New Jersey 37 $ 8,378,000 $ 226,432 $ 103,000
Pender, North Carolina 37 $ 4,743,000 $ 128,189 $ 68,000
Tulsa, Oklahoma 37 $ 4,679,000 $ 126,459 $ 92,000
Fairfax City, Virginia 37 $ 9,758,000 $ 263,729 $ 120,000
Hanover, Virginia 37 $ 6,450,000 $ 174,324 $ 97,000
Middlesex, Connecticut 36 $ 4,679,000 $ 129,972 $ 80,000
Kent, Delaware 36 $ 5,833,000 $ 162,027 $ 80,000
Sagadahoc, Maine 36 $ 5,110,000 $ 141,944 $ 93,000
Norfolk, Massachusetts 36 $ 8,631,000 $ 239,750 $ 143,000
Oakland, Michigan 36 $ 4,866,000 $ 135,166 $ 88,000
Rutherford, Tennessee 36 $ 5,232,000 $ 145,333 $ 77,000
Spokane, Washington 36 $ 5,993,000 $ 166,472 $ 83,000
Thurston, Washington 36 $ 7,339,000 $ 203,861 $ 86,000
Yavapai, Arizona 35 $ 5,796,000 $ 165,600 $ 80,000
Kane, Illinois 35 $ 5,543,000 $ 158,371 $ 105,000
St. Clair, Illinois 35 $ 4,806,000 $ 137,314 $ 77,000
Kennebec, Maine 35 $ 4,558,000 $ 130,228 $ 82,000
Morris, New Jersey 35 $ 8,587,000 $ 245,342 $ 148,000
Union, North Carolina 35 $ 6,041,000 $ 172,600 $ 97,000
Medina, Ohio 35 $ 4,927,000 $ 140,771 $ 114,000
Fresno, California 34 $ 5,769,000 $ 169,676 $ 97,000
DuPage, Illinois 34 $ 6,995,000 $ 205,735 $ 98,000
Hillsborough, New Hampshire 34 $ 6,542,000 $ 192,411 $ 103,000
Kings, New York 34 $ 5,572,000 $ 163,882 $ 114,000
Summit, Ohio 34 $ 4,416,000 $ 129,882 $ 82,000
Bristol, Rhode Island 34 $ 8,343,000 $ 245,382 $ 113,000
Parker, Texas 34 $ 4,950,000 $ 145,588 $ 94,000
Louisa, Virginia 34 $ 6,577,000 $ 193,441 $ 113,000
Anchorage, Alaska 33 $ 7,692,000 $ 233,090 $ 130,000
Mohave, Arizona 33 $ 4,071,000 $ 123,363 $ 65,000
Ada, Idaho 33 $ 5,529,000 $ 167,545 $ 99,000
Johnson, Kansas 33 $ 6,153,000 $ 186,454 $ 103,000
Macomb, Michigan 33 $ 5,025,000 $ 152,272 $ 89,000
Lehigh, Pennsylvania 33 $ 4,548,000 $ 137,818 $ 90,000
Davidson, Tennessee 33 $ 5,531,000 $ 167,606 $ 95,000
Washington, Maryland 32 $ 4,195,000 $ 131,093 $ 89,000
Worcester, Maryland 32 $ 6,640,000 $ 207,500 $ 109,000
Suffolk, Massachusetts 32 $ 8,218,000 $ 256,812 $ 136,000
Kent, Rhode Island 32 $ 4,051,000 $ 126,593 $ 94,000
Westmoreland, Virginia 32 $ 5,466,000 $ 170,812 $ 87,000
Cochise, Arizona 31 $ 5,371,000 $ 173,258 $ 79,000
Jefferson, Colorado 31 $ 7,461,000 $ 240,677 $ 119,000
Sarasota, Florida 31 $ 5,984,000 $ 193,032 $ 98,000
Moore, North Carolina 31 $ 4,677,000 $ 150,870 $ 118,000
Clackamas, Oregon 31 $ 5,208,000 $ 168,000 $ 90,000
Lancaster, Pennsylvania 31 $ 5,540,000 $ 178,709 $ 89,000
Monroe, Pennsylvania 31 $ 4,641,000 $ 149,709 $ 88,000
Shenandoah, Virginia 31 $ 5,576,000 $ 179,870 $ 129,000
Milwaukee, Wisconsin 31 $ 4,002,000 $ 129,096 $ 83,000
Placer, California 30 $ 8,693,000 $ 289,766 $ 129,000
San Joaquin, California 30 $ 5,659,000 $ 188,633 $ 91,000
DeSoto, Mississippi 30 $ 4,048,000 $ 134,933 $ 94,000
St. Charles, Missouri 30 $ 4,555,000 $ 151,833 $ 104,000
Union, New Jersey 30 $ 5,869,000 $ 195,633 $ 88,000
Larimer, Colorado 29 $ 6,751,000 $ 232,793 $ 114,000
McHenry, Illinois 29 $ 4,418,000 $ 152,344 $ 78,000
Marion, Indiana 29 $ 4,164,000 $ 143,586 $ 86,000
Cabarrus, North Carolina 29 $ 4,352,000 $ 150,068 $ 86,000
Cleveland, Oklahoma 29 $ 3,583,000 $ 123,551 $ 78,000
Tulare, California 28 $ 5,109,000 $ 182,464 $ 94,000
Leon, Florida 28 $ 3,465,000 $ 123,750 $ 92,000
Sedgwick, Kansas 28 $ 2,968,000 $ 106,000 $ 61,000
Monroe, New York 28 $ 2,842,000 $ 101,500 $ 81,000
Stark, Ohio 28 $ 2,540,000 $ 90,714 $ 60,000
Lexington, South Carolina 28 $ 3,320,000 $ 118,571 $ 82,000
Whatcom, Washington 28 $ 5,156,000 $ 184,142 $ 94,000
Shelby, Alabama 27 $ 4,860,000 $ 180,000 $ 130,000
Collier, Florida 27 $ 6,795,000 $ 251,666 $ 114,000
Fayette, Georgia 27 $ 6,073,000 $ 224,925 $ 96,000
Hamilton, Indiana 27 $ 4,245,000 $ 157,222 $ 102,000
Hampden, Massachusetts 27 $ 4,404,000 $ 163,111 $ 74,000
Cass, Missouri 27 $ 3,776,000 $ 139,851 $ 80,000
Greene, Missouri 27 $ 2,832,000 $ 104,888 $ 65,000
Douglas, Nebraska 27 $ 3,825,000 $ 141,666 $ 92,000
Hudson, New Jersey 27 $ 7,638,000 $ 282,888 $ 114,000
Orange, New York 27 $ 5,746,000 $ 212,814 $ 99,000
Butler, Ohio 27 $ 3,488,000 $ 129,185 $ 84,000
Montgomery, Ohio 27 $ 2,732,000 $ 101,185 $ 98,000
Luzerne, Pennsylvania 27 $ 2,351,000 $ 87,074 $ 72,000
Fredericksburg, Virginia 27 $ 5,332,000 $ 197,481 $ 128,000
Pulaski, Arkansas 26 $ 3,229,000 $ 124,192 $ 86,000
Imperial, California 26 $ 5,806,000 $ 223,307 $ 76,000
Sumter, Florida 26 $ 4,528,000 $ 174,153 $ 106,000
Clarke, Georgia 26 $ 3,300,000 $ 126,923 $ 93,000
Richmond, Georgia 26 $ 2,880,000 $ 110,769 $ 62,000
Hancock, Mississippi 26 $ 3,679,000 $ 141,500 $ 105,000
Buncombe, North Carolina 26 $ 3,923,000 $ 150,884 $ 97,000
Johnston, North Carolina 26 $ 3,383,000 $ 130,115 $ 82,000
Lane, Oregon 26 $ 4,143,000 $ 159,346 $ 77,000
Franklin, Pennsylvania 26 $ 4,107,000 $ 157,961 $ 82,000
Cameron, Texas 26 $ 2,770,000 $ 106,538 $ 71,000
Benton, Arkansas 25 $ 3,833,000 $ 153,320 $ 101,000
Tolland, Connecticut 25 $ 4,748,000 $ 189,920 $ 109,000
Madison, Illinois 25 $ 3,354,000 $ 134,160 $ 83,000
Androscoggin, Maine 25 $ 3,389,000 $ 135,560 $ 68,000
Caroline, Maryland 25 $ 3,639,000 $ 145,560 $ 104,000
Barnstable, Massachusetts 25 $ 4,401,000 $ 176,040 $ 117,000
Kent, Michigan 25 $ 3,405,000 $ 136,200 $ 68,000
Dakota, Minnesota 25 $ 4,494,000 $ 179,760 $ 114,000
Bergen, New Jersey 25 $ 5,648,000 $ 225,920 $ 103,000
Onondaga, New York 25 $ 2,107,000 $ 84,280 $ 99,000
Richmond, New York 25 $ 4,561,000 $ 182,440 $ 95,000
Adams, Pennsylvania 25 $ 4,679,000 $ 187,160 $ 90,000
Bell, Texas 25 $ 3,278,000 $ 131,120 $ 63,000
Albemarle, Virginia 25 $ 6,493,000 $ 259,720 $ 97,000
Citrus, Florida 24 $ 3,241,000 $ 135,041 $ 72,000
Deschutes, Oregon 24 $ 3,718,000 $ 154,916 $ 90,000
Davis, Utah 24 $ 3,508,000 $ 146,166 $ 79,000
Montgomery, Alabama 23 $ 2,705,000 $ 117,608 $ 89,000
Hawaii, Hawaii 23 $ 5,533,000 $ 240,565 $ 107,000
Monroe, Indiana 23 $ 3,549,000 $ 154,304 $ 82,000
Talbot, Maryland 23 $ 4,078,000 $ 177,304 $ 97,000
Florence, South Carolina 23 $ 1,896,000 $ 82,434 $ 103,000
Manassas Park, Virginia 23 $ 4,673,000 $ 203,173 $ 89,000
Montgomery, Virginia 23 $ 4,450,000 $ 193,478 $ 90,000
Benton, Washington 23 $ 3,492,000 $ 151,826 $ 77,000
San Francisco, California 22 $ 6,547,000 $ 297,590 $ 163,000
Hall, Georgia 22 $ 3,611,000 $ 164,136 $ 95,000
Houston, Georgia 22 $ 3,893,000 $ 176,954 $ 76,000
Rockdale, Georgia 22 $ 2,751,000 $ 125,045 $ 87,000
Cape May, New Jersey 22 $ 6,078,000 $ 276,272 $ 167,000
Alamance, North Carolina 22 $ 2,492,000 $ 113,272 $ 75,000
Harnett, North Carolina 22 $ 2,938,000 $ 133,545 $ 75,000
Delaware, Ohio 22 $ 3,389,000 $ 154,045 $ 107,000
Marion, Oregon 22 $ 3,450,000 $ 156,818 $ 79,000
Dauphin, Pennsylvania 22 $ 3,534,000 $ 160,636 $ 89,000
Guadalupe, Texas 22 $ 3,499,000 $ 159,045 $ 80,000
Utah, Utah 22 $ 2,969,000 $ 134,954 $ 91,000
Adams, Colorado 21 $ 3,620,000 $ 172,380 $ 97,000
Hernando, Florida 21 $ 3,222,000 $ 153,428 $ 76,000
Polk, Iowa 21 $ 2,735,000 $ 130,238 $ 97,000
Lafayette, Louisiana 21 $ 2,856,000 $ 136,000 $ 70,000
Tangipahoa, Louisiana 21 $ 1,947,000 $ 92,714 $ 65,000
Cecil, Maryland 21 $ 3,364,000 $ 160,190 $ 93,000
Wicomico, Maryland 21 $ 3,517,000 $ 167,476 $ 89,000
Jefferson, Missouri 21 $ 1,794,000 $ 85,428 $ 86,000
Lancaster, Nebraska 21 $ 1,485,000 $ 70,714 $ 70,000
Iredell, North Carolina 21 $ 4,079,000 $ 194,238 $ 77,000
Jasper, South Carolina 21 $ 2,612,000 $ 124,380 $ 67,000
Montgomery, Tennessee 21 $ 2,236,000 $ 106,476 $ 70,000
Williamson, Tennessee 21 $ 5,933,000 $ 282,523 $ 135,000
Galveston, Texas 21 $ 2,455,000 $ 116,904 $ 83,000
Hidalgo, Texas 21 $ 1,704,000 $ 81,142 $ 79,000
Augusta, Virginia 21 $ 2,426,000 $ 115,523 $ 81,000
Flagler, Florida 20 $ 2,970,000 $ 148,500 $ 90,000
Walton, Georgia 20 $ 2,950,000 $ 147,500 $ 77,000
Penobscot, Maine 20 $ 2,644,000 $ 132,200 $ 76,000
Gates, North Carolina 20 $ 1,682,000 $ 84,100 $ 69,000
Nash, North Carolina 20 $ 2,606,000 $ 130,300 $ 92,000
Northampton, Pennsylvania 20 $ 3,464,000 $ 173,200 $ 82,000
Westmoreland, Pennsylvania 20 $ 2,515,000 $ 125,750 $ 95,000
Houston, Alabama 19 $ 1,672,000 $ 88,000 $ 108,000
Tuscaloosa, Alabama 19 $ 2,985,000 $ 157,105 $ 98,000
Monroe, Florida 19 $ 5,235,000 $ 275,526 $ 140,000
Putnam, Florida 19 $ 2,019,000 $ 106,263 $ 80,000
Ascension, Louisiana 19 $ 2,552,000 $ 134,315 $ 67,000
Strafford, New Hampshire 19 $ 3,982,000 $ 209,578 $ 108,000
Mercer, New Jersey 19 $ 4,342,000 $ 228,526 $ 140,000
Sandoval, New Mexico 19 $ 2,114,000 $ 111,263 $ 82,000
Santa Fe, New Mexico 19 $ 3,099,000 $ 163,105 $ 95,000
Warren, Ohio 19 $ 2,555,000 $ 134,473 $ 89,000
Comal, Texas 19 $ 2,709,000 $ 142,578 $ 97,000
Johnson, Texas 19 $ 2,013,000 $ 105,947 $ 66,000
McLennan, Texas 19 $ 2,805,000 $ 147,631 $ 92,000
Northumberland, Virginia 19 $ 4,440,000 $ 233,684 $ 184,000
Rockingham, Virginia 19 $ 3,448,000 $ 181,473 $ 68,000
Lee, Alabama 18 $ 2,209,000 $ 122,722 $ 84,000
Stanislaus, California 18 $ 3,529,000 $ 196,055 $ 107,000
Charlton, Georgia 18 $ 1,967,000 $ 109,277 $ 66,000
Coweta, Georgia 18 $ 3,180,000 $ 176,666 $ 92,000
Lincoln, Maine 18 $ 2,388,000 $ 132,666 $ 92,000
Hinds, Mississippi 18 $ 2,083,000 $ 115,722 $ 82,000
Dona Ana, New Mexico 18 $ 1,861,000 $ 103,388 $ 91,000
Aiken, South Carolina 18 $ 2,013,000 $ 111,833 $ 83,000
Spartanburg, South Carolina 18 $ 2,325,000 $ 129,166 $ 102,000
Brazos, Texas 18 $ 2,545,000 $ 141,388 $ 88,000
Fluvanna, Virginia 18 $ 3,478,000 $ 193,222 $ 89,000
San Mateo, California 17 $ 6,998,000 $ 411,647 $ 210,000
Charlotte, Florida 17 $ 2,569,000 $ 151,117 $ 80,000
Newton, Georgia 17 $ 2,220,000 $ 130,588 $ 62,000
Winnebago, Illinois 17 $ 1,356,000 $ 79,764 $ 76,000
Fayette, Kentucky 17 $ 2,486,000 $ 146,235 $ 84,000
Hardin, Kentucky 17 $ 2,611,000 $ 153,588 $ 83,000
Genesee, Michigan 17 $ 1,142,000 $ 67,176 $ 56,000
Washtenaw, Michigan 17 $ 3,757,000 $ 221,000 $ 207,000
Clay, Missouri 17 $ 2,886,000 $ 169,764 $ 92,000
Oneida, New York 17 $ 1,865,000 $ 109,705 $ 95,000
Davidson, North Carolina 17 $ 2,437,000 $ 143,352 $ 74,000
Rowan, North Carolina 17 $ 1,294,000 $ 76,117 $ 89,000
Wayne, North Carolina 17 $ 1,714,000 $ 100,823 $ 70,000
Lucas, Ohio 17 $ 1,628,000 $ 95,764 $ 76,000
Jackson, Oregon 17 $ 3,490,000 $ 205,294 $ 89,000
Washington, Tennessee 17 $ 2,369,000 $ 139,352 $ 88,000
Lynchburg, Virginia 17 $ 1,898,000 $ 111,647 $ 83,000
Southampton, Virginia 17 $ 2,353,000 $ 138,411 $ 85,000
Dane, Wisconsin 17 $ 2,740,000 $ 161,176 $ 89,000
Butte, California 16 $ 2,269,000 $ 141,812 $ 80,000
Martin, Florida 16 $ 4,293,000 $ 268,312 $ 138,000
Muscogee, Georgia 16 $ 1,364,000 $ 85,250 $ 85,000
Kootenai, Idaho 16 $ 1,889,000 $ 118,062 $ 65,000
Calcasieu, Louisiana 16 $ 1,270,000 $ 79,375 $ 109,000
Anoka, Minnesota 16 $ 2,469,000 $ 154,312 $ 77,000
Merrimack, New Hampshire 16 $ 2,294,000 $ 143,375 $ 108,000
Bronx, New York 16 $ 3,051,000 $ 190,687 $ 86,000
Rensselaer, New York 16 $ 2,224,000 $ 139,000 $ 84,000
Chatham, North Carolina 16 $ 2,718,000 $ 169,875 $ 75,000
Duplin, North Carolina 16 $ 1,436,000 $ 89,750 $ 67,000
Clermont, Ohio 16 $ 2,127,000 $ 132,937 $ 85,000
Lake, Ohio 16 $ 2,168,000 $ 135,500 $ 68,000
Tom Green, Texas 16 $ 1,463,000 $ 91,437 $ 54,000
Accomack, Virginia 16 $ 2,233,000 $ 139,562 $ 99,000
Clallam, Washington 16 $ 3,123,000 $ 195,187 $ 64,000
Waukesha, Wisconsin 16 $ 2,716,000 $ 169,750 $ 82,000
Weld, Colorado 15 $ 2,111,000 $ 140,733 $ 93,000
Berrien, Michigan 15 $ 1,730,000 $ 115,333 $ 80,000
Pearl River, Mississippi 15 $ 2,406,000 $ 160,400 $ 78,000
Platte, Missouri 15 $ 1,983,000 $ 132,200 $ 97,000
Dutchess, New York 15 $ 3,673,000 $ 244,866 $ 96,000
Niagara, New York 15 $ 1,456,000 $ 97,066 $ 77,000
Mahoning, Ohio 15 $ 1,065,000 $ 71,000 $ 68,000
Washington, Pennsylvania 15 $ 1,294,000 $ 86,266 $ 73,000
Ellis, Texas 15 $ 1,612,000 $ 107,466 $ 67,000
Wichita, Texas 15 $ 2,000,000 $ 133,333 $ 67,000
Weber, Utah 15 $ 2,000,000 $ 133,333 $ 71,000
Bedford, Virginia 15 $ 2,122,000 $ 141,466 $ 90,000
Greene, Virginia 15 $ 2,502,000 $ 166,800 $ 85,000
Talladega, Alabama 14 $ 1,023,000 $ 73,071 $ 47,000
Washington, Arkansas 14 $ 1,652,000 $ 118,000 $ 71,000
San Luis Obispo, California 14 $ 4,580,000 $ 327,142 $ 109,000
Barrow, Georgia 14 $ 1,881,000 $ 134,357 $ 55,000
Carroll, Georgia 14 $ 2,162,000 $ 154,428 $ 88,000
Clark, Indiana 14 $ 2,203,000 $ 157,357 $ 83,000
Plaquemines, Louisiana 14 $ 1,733,000 $ 123,785 $ 117,000
Madison, Mississippi 14 $ 2,417,000 $ 172,642 $ 114,000
St. Louis City, Missouri 14 $ 1,763,000 $ 125,928 $ 61,000
Salem, New Jersey 14 $ 1,862,000 $ 133,000 $ 79,000
Jefferson, New York 14 $ 1,260,000 $ 90,000 $ 83,000
Oswego, New York 14 $ 922,000 $ 65,857 $ 75,000
Schenectady, New York 14 $ 1,233,000 $ 88,071 $ 94,000
Catawba, North Carolina 14 $ 1,687,000 $ 120,500 $ 63,000
Lenoir, North Carolina 14 $ 1,099,000 $ 78,500 $ 73,000
Linn, Oregon 14 $ 937,000 $ 66,928 $ 81,000
Sumter, South Carolina 14 $ 1,505,000 $ 107,500 $ 85,000
Gregg, Texas 14 $ 1,019,000 $ 72,785 $ 63,000
Falls Church, Virginia 14 $ 3,060,000 $ 218,571 $ 112,000
Hampshire, West Virginia 14 $ 2,068,000 $ 147,714 $ 79,000
Morgan, West Virginia 14 $ 1,980,000 $ 141,428 $ 84,000
Matanuska-Susitna, Alaska 13 $ 2,477,000 $ 190,538 $ 102,000
El Dorado, California 13 $ 2,875,000 $ 221,153 $ 141,000
Shasta, California 13 $ 2,599,000 $ 199,923 $ 98,000
Oconee, Georgia 13 $ 1,640,000 $ 126,153 $ 95,000
Allen, Indiana 13 $ 1,410,000 $ 108,461 $ 81,000
St. Joseph, Indiana 13 $ 1,391,000 $ 107,000 $ 71,000
Dorchester, Maryland 13 $ 3,370,000 $ 259,230 $ 131,000
Rankin, Mississippi 13 $ 2,250,000 $ 173,076 $ 68,000
Camden, Missouri 13 $ 2,082,000 $ 160,153 $ 112,000
Cheshire, New Hampshire 13 $ 2,500,000 $ 192,307 $ 96,000
Cumberland, New Jersey 13 $ 1,769,000 $ 136,076 $ 88,000
Somerset, New Jersey 13 $ 3,765,000 $ 289,615 $ 197,000
Albany, New York 13 $ 1,504,000 $ 115,692 $ 91,000
Ulster, New York 13 $ 2,962,000 $ 227,846 $ 94,000
Halifax, North Carolina 13 $ 1,020,000 $ 78,461 $ 103,000
Licking, Ohio 13 $ 2,050,000 $ 157,692 $ 82,000
Blair, Pennsylvania 13 $ 982,000 $ 75,538 $ 62,000
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Mortgage Loan Application Detail Totals for Nfcu in 2007

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 35,582 $5,779,596,000 $162,000 $1,941,000 $97,000 $2,632,000
Home Purchase 33,670 $7,898,102,000 $234,000 $1,900,000 $87,000 $2,112,000
Home Improvement 5,727 $96,321,000 $16,000 $200,000 $83,000 $1,158,000

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 38,056 $6,959,372,000 $182,000 $1,941,000 $95,000 $2,632,000
Not Provided 16,633 $3,190,189,000 $191,000 $1,900,000 $93,000 $2,112,000
Black or African American 10,837 $1,785,819,000 $164,000 $1,076,000 $82,000 $1,908,000
Hispanic 4,636 $808,517,000 $174,000 $1,620,000 $81,000 $1,200,000
Asian 3,315 $767,299,000 $231,000 $1,450,000 $95,000 $1,158,000
Native Hawaiian or Other Pacific Islander 763 $148,158,000 $194,000 $960,000 $89,000 $636,000
American Indian or Alaskan Native 739 $114,665,000 $155,000 $900,000 $88,000 $828,000
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) 74,577 $13,697,701,000 $183,000 $1,941,000 $92,000 $2,632,000
VA-guaranteed (Veterans Administration) 402 $76,318,000 $189,000 $417,000 $69,000 $253,000
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 37,707 $5,883,304,000 $156,000 $1,900,000 $97,000 $2,112,000
Application Withdrawn By Applicant 14,858 $3,364,430,000 $226,000 $1,941,000 $93,000 $2,632,000
Preapproval Approved but not Accepted 11,438 $2,841,997,000 $248,000 $1,800,000 $84,000 $1,680,000
Application Denied By Financial Institution 5,820 $690,901,000 $118,000 $1,564,000 $79,000 $1,954,000
Preapproval Denied by Financial Institution 3,285 $638,687,000 $194,000 $1,000,000 $64,000 $1,300,000
Application Approved But Not Accepted 1,871 $354,700,000 $189,000 $1,100,000 $97,000 $800,000
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 3,799 $625,535,000 $164,000 $1,564,000 $75,000 $1,926,000
Debt-To-Income Ratio 2,580 $520,309,000 $201,000 $1,500,000 $67,000 $825,000
Other 1,812 $124,712,000 $68,000 $850,000 $78,000 $1,954,000
Collateral 773 $34,702,000 $44,000 $841,000 $83,000 $588,000
Insufficient Cash (Downpayment, Closing Cost) 62 $11,887,000 $191,000 $748,000 $75,000 $273,000
Employment History 61 $10,417,000 $170,000 $800,000 $59,000 $247,000
Unverifiable Information 14 $1,271,000 $90,000 $250,000 $73,000 $211,000
Credit Application Incomplete 3 $338,000 $112,000 $182,000 $243,000 $576,000
Mortgage Insurance Denied 1 $417,000 $417,000 $417,000 $157,000 $157,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2007 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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