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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach-Norfolk-Newport News, VA-NC | 6,881 | $ 789,519,000 | $ 114,738 | $ 223,000 |
| San Diego-Carlsbad-San Marcos, CA | 3,135 | $ 568,447,000 | $ 181,322 | $ 344,000 |
| Jacksonville, FL | 2,214 | $ 224,335,000 | $ 101,325 | $ 216,000 |
| Baltimore-Towson, MD | 1,918 | $ 316,667,000 | $ 165,102 | $ 236,000 |
| Riverside-San Bernardino-Ontario, CA | 1,273 | $ 199,343,000 | $ 156,593 | $ 310,000 |
| Pensacola-Ferry Pass-Brent, FL | 1,132 | $ 114,828,000 | $ 101,438 | $ 183,000 |
| Honolulu, HI | 1,036 | $ 245,561,000 | $ 237,027 | $ 234,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,002 | $ 191,090,000 | $ 190,708 | $ 306,000 |
| Jacksonville, NC | 976 | $ 78,005,000 | $ 79,923 | $ 214,000 |
| Philadelphia, PA | 741 | $ 95,962,000 | $ 129,503 | $ 206,000 |
| Atlanta-Sandy Springs-Marietta, GA | 718 | $ 99,923,000 | $ 139,168 | $ 197,000 |
| Bremerton-Silverdale, WA | 704 | $ 89,396,000 | $ 126,982 | $ 211,000 |
| Orlando, FL | 662 | $ 80,518,000 | $ 121,628 | $ 160,000 |
| Norwich-New London, CT | 641 | $ 96,225,000 | $ 150,117 | $ 226,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 575 | $ 78,889,000 | $ 137,198 | $ 253,000 |
| New Orleans-Metairie-Kenner, LA | 540 | $ 50,018,000 | $ 92,625 | $ 245,000 |
| Charleston-North Charleston, SC | 536 | $ 59,848,000 | $ 111,656 | $ 227,000 |
| Camden, NJ | 514 | $ 59,491,000 | $ 115,741 | $ 220,000 |
| Tampa-St. Petersburg-Clearwater, FL | 499 | $ 67,807,000 | $ 135,885 | $ 225,000 |
| Providence-New Bedford-Fall River, RI-MA | 489 | $ 87,617,000 | $ 179,175 | $ 233,000 |
| Los Angeles-Long Beach-Glendale, CA | 455 | $ 81,233,000 | $ 178,534 | $ 323,000 |
| Corpus Christi, TX | 417 | $ 44,899,000 | $ 107,671 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 411 | $ 56,626,000 | $ 137,776 | $ 243,000 |
| Seattle-Bellevue-Everett, WA | 374 | $ 64,289,000 | $ 171,895 | $ 234,000 |
| Houston-Baytown-Sugar Land, TX | 369 | $ 39,265,000 | $ 106,409 | $ 246,000 |
| Richmond, VA | 362 | $ 56,768,000 | $ 156,817 | $ 189,000 |
| Las Vegas-Paradise, NV | 358 | $ 59,411,000 | $ 165,952 | $ 218,000 |
| Memphis, TN-MS-AR | 352 | $ 44,799,000 | $ 127,269 | $ 226,000 |
| Chicago-Naperville-Joliet, IL | 339 | $ 50,558,000 | $ 149,138 | $ 290,000 |
| Santa Ana-Anaheim-Irvine, CA | 326 | $ 70,535,000 | $ 216,365 | $ 277,000 |
| Yuma, AZ | 311 | $ 38,827,000 | $ 124,845 | $ 226,000 |
| Fort Worth-Arlington, TX | 292 | $ 29,709,000 | $ 101,743 | $ 257,000 |
| Cleveland-Elyria-Mentor, OH | 265 | $ 25,031,000 | $ 94,456 | $ 169,000 |
| Dallas-Plano-Irving, TX | 255 | $ 31,648,000 | $ 124,109 | $ 247,000 |
| Edison, NJ | 249 | $ 42,967,000 | $ 172,558 | $ 213,000 |
| Hanford-Corcoran, CA | 247 | $ 39,013,000 | $ 157,947 | $ 189,000 |
| Portland-South Portland-Biddeford, ME | 245 | $ 37,490,000 | $ 153,020 | $ 193,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 244 | $ 34,348,000 | $ 140,770 | $ 221,000 |
| Miami-Miami Beach-Kendall, FL | 226 | $ 31,399,000 | $ 138,933 | $ 162,000 |
| San Antonio, TX | 197 | $ 20,622,000 | $ 104,680 | $ 257,000 |
| Lake County-Kenosha County, IL-WI | 194 | $ 27,581,000 | $ 142,170 | $ 339,000 |
| Palm Bay-Melbourne-Titusville, FL | 190 | $ 26,104,000 | $ 137,389 | $ 223,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 177 | $ 35,778,000 | $ 202,135 | $ 292,000 |
| Raleigh-Cary, NC | 173 | $ 23,331,000 | $ 134,861 | $ 166,000 |
| Denver-Aurora, CO | 172 | $ 30,270,000 | $ 175,988 | $ 266,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 166 | $ 34,604,000 | $ 208,457 | $ 238,000 |
| New York-Wayne-White Plains, NY-NJ | 161 | $ 22,719,000 | $ 141,111 | $ 249,000 |
| Pittsburgh, PA | 150 | $ 15,845,000 | $ 105,633 | $ 169,000 |
| Newark-Union, NJ-PA | 146 | $ 25,004,000 | $ 171,260 | $ 233,000 |
| Oklahoma City, OK | 145 | $ 16,927,000 | $ 116,737 | $ 180,000 |
| Nassau-Suffolk, NY | 140 | $ 24,135,000 | $ 172,392 | $ 283,000 |
| Charlotte-Gastonia-Concord, NC-SC | 138 | $ 15,095,000 | $ 109,384 | $ 230,000 |
| Gulfport-Biloxi, MS | 138 | $ 11,551,000 | $ 83,702 | $ 228,000 |
| Hartford-West Hartford-East Hartford, CT | 135 | $ 20,689,000 | $ 153,251 | $ 194,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 134 | $ 22,909,000 | $ 170,962 | $ 172,000 |
| Oakland-Fremont-Hayward, CA | 133 | $ 31,974,000 | $ 240,406 | $ 256,000 |
| Gainesville, FL | 130 | $ 17,886,000 | $ 137,584 | $ 202,000 |
| Albany-Schenectady-Troy, NY | 124 | $ 16,653,000 | $ 134,298 | $ 196,000 |
| Wilmington, NC | 123 | $ 16,296,000 | $ 132,487 | $ 260,000 |
| Portland-Vancouver-Beaverton, OR-WA | 117 | $ 20,340,000 | $ 173,846 | $ 162,000 |
| St. Louis, MO-IL | 117 | $ 15,661,000 | $ 133,854 | $ 231,000 |
| Colorado Springs, CO | 114 | $ 18,429,000 | $ 161,657 | $ 150,000 |
| Albuquerque, NM | 113 | $ 14,793,000 | $ 130,911 | $ 210,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 112 | $ 20,058,000 | $ 179,089 | $ 148,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 111 | $ 12,109,000 | $ 109,090 | $ 133,000 |
| Tacoma, WA | 111 | $ 17,570,000 | $ 158,288 | $ 244,000 |
| Bakersfield, CA | 106 | $ 13,656,000 | $ 128,830 | $ 214,000 |
| Austin-Round Rock, TX | 103 | $ 14,442,000 | $ 140,213 | $ 218,000 |
| Boston-Quincy, MA | 102 | $ 20,418,000 | $ 200,176 | $ 131,000 |
| Warren-Farmington Hills-Troy, MI | 102 | $ 12,981,000 | $ 127,264 | $ 241,000 |
| Columbus, OH | 101 | $ 12,938,000 | $ 128,099 | $ 192,000 |
| Wilmington, DE-MD-NJ | 101 | $ 13,832,000 | $ 136,950 | $ 239,000 |
| Columbia, SC | 100 | $ 11,631,000 | $ 116,310 | $ 222,000 |
| Nashville-Davidson--Murfreesboro, TN | 100 | $ 12,420,000 | $ 124,200 | $ 135,000 |
| Albany, GA | 98 | $ 7,209,000 | $ 73,561 | $ 279,000 |
| Sarasota-Bradenton-Venice, FL | 97 | $ 13,414,000 | $ 138,288 | $ 173,000 |
| Kansas City, MO-KS | 95 | $ 11,039,000 | $ 116,200 | $ 188,000 |
| Panama City-Lynn Haven, FL | 95 | $ 13,139,000 | $ 138,305 | $ 212,000 |
| Cincinnati-Middletown, OH-KY-IN | 94 | $ 12,642,000 | $ 134,489 | $ 241,000 |
| Omaha-Council Bluffs, NE-IA | 91 | $ 12,922,000 | $ 142,000 | $ 193,000 |
| Tucson, AZ | 91 | $ 14,083,000 | $ 154,758 | $ 134,000 |
| Rockingham County-Strafford County, NH | 86 | $ 15,051,000 | $ 175,011 | $ 186,000 |
| Harrisburg-Carlisle, PA | 84 | $ 11,539,000 | $ 137,369 | $ 162,000 |
| Pascagoula, MS | 78 | $ 7,435,000 | $ 95,320 | $ 230,000 |
| Birmingham-Hoover, AL | 77 | $ 7,282,000 | $ 94,571 | $ 341,000 |
| Mount Vernon-Anacortes, WA | 75 | $ 10,798,000 | $ 143,973 | $ 251,000 |
| Cambridge-Newton-Framingham, MA | 73 | $ 15,463,000 | $ 211,821 | $ 221,000 |
| Cape Coral-Fort Myers, FL | 72 | $ 9,236,000 | $ 128,277 | $ 216,000 |
| Mobile, AL | 72 | $ 4,941,000 | $ 68,625 | $ 340,000 |
| York-Hanover, PA | 72 | $ 9,510,000 | $ 132,083 | $ 149,000 |
| Worcester, MA | 70 | $ 12,332,000 | $ 176,171 | $ 184,000 |
| Indianapolis, IN | 69 | $ 8,426,000 | $ 122,115 | $ 154,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 67 | $ 9,503,000 | $ 141,835 | $ 128,000 |
| Knoxville, TN | 67 | $ 7,205,000 | $ 107,537 | $ 259,000 |
| Vallejo-Fairfield, CA | 67 | $ 12,052,000 | $ 179,880 | $ 227,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 65 | $ 16,037,000 | $ 246,723 | $ 337,000 |
| Asheville, NC | 64 | $ 9,168,000 | $ 143,250 | $ 145,000 |
| Savannah, GA | 64 | $ 7,662,000 | $ 119,718 | $ 168,000 |
| Greensboro-High Point, NC | 63 | $ 7,138,000 | $ 113,301 | $ 197,000 |
| Louisville, KY-IN | 63 | $ 6,853,000 | $ 108,777 | $ 210,000 |
| Tallahassee, FL | 63 | $ 8,607,000 | $ 136,619 | $ 143,000 |
| Augusta-Richmond County, GA-SC | 62 | $ 7,118,000 | $ 114,806 | $ 178,000 |
| Charlottesville, VA | 62 | $ 10,642,000 | $ 171,645 | $ 142,000 |
| Detroit-Livonia-Dearborn, MI | 62 | $ 6,416,000 | $ 103,483 | $ 180,000 |
| New Haven-Milford, CT | 61 | $ 8,689,000 | $ 142,442 | $ 273,000 |
| Port St. Lucie-Fort Pierce, FL | 61 | $ 7,829,000 | $ 128,344 | $ 178,000 |
| Fort Walton Beach-Crestview-Destin, FL | 59 | $ 7,269,000 | $ 123,203 | $ 171,000 |
| Salinas, CA | 58 | $ 15,758,000 | $ 271,689 | $ 317,000 |
| Durham, NC | 57 | $ 8,851,000 | $ 155,280 | $ 149,000 |
| Lakeland, FL | 57 | $ 5,018,000 | $ 88,035 | $ 185,000 |
| Little Rock-North Little Rock, AR | 56 | $ 6,360,000 | $ 113,571 | $ 208,000 |
| Baton Rouge, LA | 55 | $ 6,617,000 | $ 120,309 | $ 144,000 |
| Fresno, CA | 55 | $ 9,757,000 | $ 177,400 | $ 196,000 |
| Huntsville, AL | 55 | $ 8,149,000 | $ 148,163 | $ 211,000 |
| Ocala, FL | 55 | $ 6,352,000 | $ 115,490 | $ 120,000 |
| Barnstable Town, MA | 54 | $ 10,844,000 | $ 200,814 | $ 127,000 |
| Buffalo-Niagara Falls, NY | 54 | $ 4,601,000 | $ 85,203 | $ 203,000 |
| Manchester-Nashua, NH | 54 | $ 9,297,000 | $ 172,166 | $ 184,000 |
| Syracuse, NY | 54 | $ 5,040,000 | $ 93,333 | $ 219,000 |
| Fayetteville, NC | 52 | $ 5,268,000 | $ 101,307 | $ 154,000 |
| Montgomery, AL | 52 | $ 5,467,000 | $ 105,134 | $ 184,000 |
| Winchester, VA-WV | 50 | $ 7,774,000 | $ 155,480 | $ 165,000 |
| El Paso, TX | 49 | $ 4,646,000 | $ 94,816 | $ 187,000 |
| Milwaukee-Waukesha-West Allis, WI | 49 | $ 6,585,000 | $ 134,387 | $ 250,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 49 | $ 4,917,000 | $ 100,346 | $ 197,000 |
| Stockton, CA | 49 | $ 8,268,000 | $ 168,734 | $ 171,000 |
| Essex County, MA | 48 | $ 10,355,000 | $ 215,729 | $ 107,000 |
| Greenville, SC | 48 | $ 5,114,000 | $ 106,541 | $ 223,000 |
| Reno-Sparks, NV | 47 | $ 9,177,000 | $ 195,255 | $ 125,000 |
| Hagerstown-Martinsburg, MD-WV | 46 | $ 5,420,000 | $ 117,826 | $ 373,000 |
| Bridgeport-Stamford-Norwalk, CT | 45 | $ 8,418,000 | $ 187,066 | $ 261,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 45 | $ 7,194,000 | $ 159,866 | $ 235,000 |
| Dayton, OH | 44 | $ 4,440,000 | $ 100,909 | $ 141,000 |
| Lewiston-Auburn, ME | 44 | $ 4,192,000 | $ 95,272 | $ 218,000 |
| Akron, OH | 42 | $ 4,728,000 | $ 112,571 | $ 146,000 |
| Athens-Clarke County, GA | 42 | $ 5,027,000 | $ 119,690 | $ 129,000 |
| San Francisco-San Mateo-Redwood City, CA | 42 | $ 10,873,000 | $ 258,880 | $ 302,000 |
| Trenton-Ewing, NJ | 42 | $ 8,961,000 | $ 213,357 | $ 148,000 |
| Jackson, MS | 41 | $ 4,866,000 | $ 118,682 | $ 101,000 |
| Winston-Salem, NC | 41 | $ 4,708,000 | $ 114,829 | $ 186,000 |
| Rochester, NY | 40 | $ 4,070,000 | $ 101,750 | $ 274,000 |
| Springfield, MA | 39 | $ 4,729,000 | $ 121,256 | $ 107,000 |
| Tulsa, OK | 39 | $ 3,258,000 | $ 83,538 | $ 190,000 |
| Dover, DE | 38 | $ 5,310,000 | $ 139,736 | $ 202,000 |
| Boise City-Nampa, ID | 37 | $ 4,146,000 | $ 112,054 | $ 169,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 37 | $ 4,320,000 | $ 116,756 | $ 199,000 |
| Lynchburg, VA | 37 | $ 3,933,000 | $ 106,297 | $ 165,000 |
| Atlantic City, NJ | 35 | $ 4,873,000 | $ 139,228 | $ 191,000 |
| Bellingham, WA | 35 | $ 4,997,000 | $ 142,771 | $ 148,000 |
| Reading, PA | 34 | $ 3,990,000 | $ 117,352 | $ 182,000 |
| Roanoke, VA | 34 | $ 4,102,000 | $ 120,647 | $ 104,000 |
| Ocean City, NJ | 33 | $ 6,481,000 | $ 196,393 | $ 120,000 |
| Scranton--Wilkes-Barre, PA | 33 | $ 2,597,000 | $ 78,696 | $ 148,000 |
| Anchorage, AK | 32 | $ 8,196,000 | $ 256,125 | $ 131,000 |
| Lancaster, PA | 32 | $ 3,673,000 | $ 114,781 | $ 418,000 |
| Punta Gorda, FL | 32 | $ 3,329,000 | $ 104,031 | $ 185,000 |
| Harrisonburg, VA | 31 | $ 3,658,000 | $ 118,000 | $ 131,000 |
| Kennewick-Richland-Pasco, WA | 31 | $ 3,672,000 | $ 118,451 | $ 186,000 |
| Modesto, CA | 31 | $ 5,245,000 | $ 169,193 | $ 189,000 |
| Hickory-Lenoir-Morganton, NC | 30 | $ 2,972,000 | $ 99,066 | $ 258,000 |
| Prescott, AZ | 30 | $ 3,991,000 | $ 133,033 | $ 247,000 |
| Spartanburg, SC | 30 | $ 2,679,000 | $ 89,300 | $ 308,000 |
| Salt Lake City, UT | 29 | $ 3,917,000 | $ 135,068 | $ 230,000 |
| Vero Beach, FL | 29 | $ 3,724,000 | $ 128,413 | $ 94,000 |
| Florence, SC | 28 | $ 2,965,000 | $ 105,892 | $ 176,000 |
| Spokane, WA | 28 | $ 3,716,000 | $ 132,714 | $ 229,000 |
| Toledo, OH | 28 | $ 2,656,000 | $ 94,857 | $ 233,000 |
| Wichita, KS | 28 | $ 3,133,000 | $ 111,892 | $ 103,000 |
| Clarksville, TN-KY | 27 | $ 2,416,000 | $ 89,481 | $ 324,000 |
| Naples-Marco Island, FL | 27 | $ 4,999,000 | $ 185,148 | $ 217,000 |
| Salisbury, MD | 27 | $ 3,330,000 | $ 123,333 | $ 123,000 |
| Shreveport-Bossier City, LA | 27 | $ 1,378,000 | $ 51,037 | $ 311,000 |
| Gary, IN | 26 | $ 2,915,000 | $ 112,115 | $ 252,000 |
| Greenville, NC | 26 | $ 2,521,000 | $ 96,961 | $ 236,000 |
| Olympia, WA | 26 | $ 3,410,000 | $ 131,153 | $ 191,000 |
| Eugene-Springfield, OR | 25 | $ 3,394,000 | $ 135,760 | $ 133,000 |
| Fort Collins-Loveland, CO | 25 | $ 4,038,000 | $ 161,520 | $ 182,000 |
| Lexington-Fayette, KY | 25 | $ 2,867,000 | $ 114,680 | $ 100,000 |
| San Juan-Caguas-Guaynabo, PR | 25 | $ 479,000 | $ 19,160 | $ 657,000 |
| Bloomington, IN | 24 | $ 3,423,000 | $ 142,625 | $ 144,000 |
| Blacksburg-Christiansburg-Radford, VA | 23 | $ 3,317,000 | $ 144,217 | $ 76,000 |
| Boulder, CO | 23 | $ 3,723,000 | $ 161,869 | $ 155,000 |
| Ogden-Clearfield, UT | 23 | $ 3,302,000 | $ 143,565 | $ 278,000 |
| Brownsville-Harlingen, TX | 22 | $ 1,352,000 | $ 61,454 | $ 145,000 |
| Burlington-South Burlington, VT | 22 | $ 3,266,000 | $ 148,454 | $ 114,000 |
| Killeen-Temple-Fort Hood, TX | 22 | $ 2,143,000 | $ 97,409 | $ 179,000 |
| McAllen-Edinburg-Pharr, TX | 22 | $ 1,742,000 | $ 79,181 | $ 241,000 |
| Springfield, MO | 22 | $ 2,440,000 | $ 110,909 | $ 164,000 |
| Topeka, KS | 22 | $ 1,728,000 | $ 78,545 | $ 208,000 |
| Visalia-Porterville, CA | 22 | $ 1,931,000 | $ 87,772 | $ 116,000 |
| Bangor, ME | 21 | $ 2,532,000 | $ 120,571 | $ 128,000 |
| Brunswick, GA | 21 | $ 2,719,000 | $ 129,476 | $ 131,000 |
| Chattanooga, TN-GA | 21 | $ 2,355,000 | $ 112,142 | $ 203,000 |
| Lansing-East Lansing, MI | 21 | $ 2,319,000 | $ 110,428 | $ 110,000 |
| Medford, OR | 21 | $ 2,236,000 | $ 106,476 | $ 228,000 |
| State College, PA | 21 | $ 2,602,000 | $ 123,904 | $ 270,000 |
| Cedar Rapids, IA | 20 | $ 1,930,000 | $ 96,500 | $ 356,000 |
| El Centro, CA | 20 | $ 2,469,000 | $ 123,450 | $ 171,000 |
| Erie, PA | 20 | $ 1,835,000 | $ 91,750 | $ 180,000 |
| Lafayette, LA | 20 | $ 1,752,000 | $ 87,600 | $ 111,000 |
| Utica-Rome, NY | 20 | $ 1,600,000 | $ 80,000 | $ 259,000 |
| Auburn-Opelika, AL | 19 | $ 2,147,000 | $ 113,000 | $ 190,000 |
| Beaumont-Port Arthur, TX | 19 | $ 1,183,000 | $ 62,263 | $ 155,000 |
| Fort Wayne, IN | 19 | $ 1,517,000 | $ 79,842 | $ 213,000 |
| Macon, GA | 19 | $ 2,564,000 | $ 134,947 | $ 251,000 |
| Pueblo, CO | 19 | $ 1,744,000 | $ 91,789 | $ 245,000 |
| College Station-Bryan, TX | 18 | $ 1,667,000 | $ 92,611 | $ 143,000 |
| Grand Rapids-Wyoming, MI | 18 | $ 2,191,000 | $ 121,722 | $ 343,000 |
| Kalamazoo-Portage, MI | 18 | $ 1,614,000 | $ 89,666 | $ 270,000 |
| Peoria, IL | 18 | $ 1,463,000 | $ 81,277 | $ 228,000 |
| Rocky Mount, NC | 18 | $ 1,517,000 | $ 84,277 | $ 201,000 |
| Salem, OR | 18 | $ 2,447,000 | $ 135,944 | $ 199,000 |
| Warner Robins, GA | 18 | $ 1,962,000 | $ 109,000 | $ 199,000 |
| Binghamton, NY | 17 | $ 1,447,000 | $ 85,117 | $ 198,000 |
| Glens Falls, NY | 17 | $ 2,036,000 | $ 119,764 | $ 125,000 |
| Greeley, CO | 17 | $ 1,927,000 | $ 113,352 | $ 310,000 |
| Lubbock, TX | 17 | $ 1,477,000 | $ 86,882 | $ 155,000 |
| San Luis Obispo-Paso Robles, CA | 17 | $ 4,429,000 | $ 260,529 | $ 210,000 |
| Ann Arbor, MI | 16 | $ 2,703,000 | $ 168,937 | $ 127,000 |
| Anniston-Oxford, AL | 16 | $ 1,280,000 | $ 80,000 | $ 237,000 |
| Flint, MI | 16 | $ 1,497,000 | $ 93,562 | $ 171,000 |
| Johnstown, PA | 16 | $ 1,907,000 | $ 119,187 | $ 163,000 |
| Las Cruces, NM | 16 | $ 2,136,000 | $ 133,500 | $ 229,000 |
| Lincoln, NE | 16 | $ 1,531,000 | $ 95,687 | $ 302,000 |
| Valdosta, GA | 16 | $ 1,866,000 | $ 116,625 | $ 173,000 |
| Coeur D'Alene, ID | 15 | $ 2,504,000 | $ 166,933 | $ 207,000 |
| Dothan, AL | 15 | $ 1,088,000 | $ 72,533 | $ 199,000 |
| Flagstaff, AZ | 15 | $ 2,627,000 | $ 175,133 | $ 325,000 |
| Kingston, NY | 15 | $ 1,839,000 | $ 122,600 | $ 192,000 |
| Madison, WI | 15 | $ 2,114,000 | $ 140,933 | $ 188,000 |
| Merced, CA | 15 | $ 2,948,000 | $ 196,533 | $ 73,000 |
| Waco, TX | 15 | $ 1,205,000 | $ 80,333 | $ 390,000 |
| Champaign-Urbana, IL | 14 | $ 1,289,000 | $ 92,071 | $ 303,000 |
| Columbus, GA-AL | 14 | $ 1,989,000 | $ 142,071 | $ 57,000 |
| Des Moines, IA | 14 | $ 1,828,000 | $ 130,571 | $ 167,000 |
| Fort Smith, AR-OK | 14 | $ 1,428,000 | $ 102,000 | $ 84,000 |
| Gainesville, GA | 14 | $ 1,961,000 | $ 140,071 | $ 83,000 |
| Grand Junction, CO | 14 | $ 1,051,000 | $ 75,071 | $ 253,000 |
| Ithaca, NY | 14 | $ 1,834,000 | $ 131,000 | $ 99,000 |
| Johnson City, TN | 14 | $ 1,673,000 | $ 119,500 | $ 242,000 |
| Provo-Orem, UT | 14 | $ 2,238,000 | $ 159,857 | $ 189,000 |
| Santa Rosa-Petaluma, CA | 14 | $ 2,966,000 | $ 211,857 | $ 245,000 |
| Vineland-Millville-Bridgeton, NJ | 14 | $ 1,399,000 | $ 99,928 | $ 309,000 |
| Bend, OR | 13 | $ 2,384,000 | $ 183,384 | $ 125,000 |
| Canton-Massillon, OH | 13 | $ 1,410,000 | $ 108,461 | $ 153,000 |
| Charleston, WV | 13 | $ 1,215,000 | $ 93,461 | $ 277,000 |
| Idaho Falls, ID | 13 | $ 1,193,000 | $ 91,769 | $ 326,000 |
| Lawrence, KS | 13 | $ 2,080,000 | $ 160,000 | $ 91,000 |
| Madera, CA | 13 | $ 1,225,000 | $ 94,230 | $ 535,000 |
| Monroe, LA | 13 | $ 920,000 | $ 70,769 | $ 188,000 |
| Parkersburg-Marietta, WV-OH | 13 | $ 1,045,000 | $ 80,384 | $ 216,000 |
| Anderson, SC | 12 | $ 1,989,000 | $ 165,750 | $ 111,000 |
| Columbia, MO | 12 | $ 1,646,000 | $ 137,166 | $ 136,000 |
| Duluth, MN-WI | 12 | $ 1,161,000 | $ 96,750 | $ 110,000 |
| Houma-Bayou Cane-Thibodaux, LA | 12 | $ 1,056,000 | $ 88,000 | $ 269,000 |
| Lebanon, PA | 12 | $ 1,297,000 | $ 108,083 | $ 75,000 |
| Muskegon-Norton Shores, MI | 12 | $ 1,318,000 | $ 109,833 | $ 75,000 |
| Rockford, IL | 12 | $ 1,653,000 | $ 137,750 | $ 103,000 |
| Sumter, SC | 12 | $ 1,069,000 | $ 89,083 | $ 126,000 |
| Burlington, NC | 11 | $ 888,000 | $ 80,727 | $ 193,000 |
| Corvallis, OR | 11 | $ 1,371,000 | $ 124,636 | $ 312,000 |
| Danville, VA | 11 | $ 562,000 | $ 51,090 | $ 375,000 |
| Fajardo, PR | 11 | $ 102,000 | $ 9,272 | $ 470,000 |
| Green Bay, WI | 11 | $ 1,523,000 | $ 138,454 | $ 68,000 |
| Lake Charles, LA | 11 | $ 688,000 | $ 62,545 | $ 355,000 |
| Saginaw-Saginaw Township North, MI | 11 | $ 598,000 | $ 54,363 | $ 234,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 1,612,000 | $ 146,545 | $ 256,000 |
| Tyler, TX | 11 | $ 988,000 | $ 89,818 | $ 168,000 |
| Appleton, WI | 10 | $ 954,000 | $ 95,400 | $ 194,000 |
| Billings, MT | 10 | $ 722,000 | $ 72,200 | $ 399,000 |
| Carson City, NV | 10 | $ 1,176,000 | $ 117,600 | $ 314,000 |
| Evansville, IN-KY | 10 | $ 814,000 | $ 81,400 | $ 131,000 |
| Farmington, NM | 10 | $ 1,324,000 | $ 132,400 | $ 74,000 |
| Holland-Grand Haven, MI | 10 | $ 1,715,000 | $ 171,500 | $ 98,000 |
| Kingsport-Bristol-Bristol, TN-VA | 10 | $ 947,000 | $ 94,700 | $ 348,000 |
| St. George, UT | 10 | $ 2,468,000 | $ 246,800 | $ 98,000 |
| Tuscaloosa, AL | 10 | $ 885,000 | $ 88,500 | $ 298,000 |
| Wichita Falls, TX | 10 | $ 791,000 | $ 79,100 | $ 140,000 |
| Williamsport, PA | 10 | $ 1,272,000 | $ 127,200 | $ 71,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 869,000 | $ 86,900 | $ 219,000 |
| Amarillo, TX | 9 | $ 812,000 | $ 90,222 | $ 256,000 |
| Chico, CA | 9 | $ 912,000 | $ 101,333 | $ 354,000 |
| Jefferson City, MO | 9 | $ 808,000 | $ 89,777 | $ 216,000 |
| Lawton, OK | 9 | $ 678,000 | $ 75,333 | $ 53,000 |
| Longview, TX | 9 | $ 692,000 | $ 76,888 | $ 145,000 |
| Morristown, TN | 9 | $ 865,000 | $ 96,111 | $ 247,000 |
| Niles-Benton Harbor, MI | 9 | $ 1,104,000 | $ 122,666 | $ 114,000 |
| Pittsfield, MA | 9 | $ 1,317,000 | $ 146,333 | $ 70,000 |
| Redding, CA | 9 | $ 1,650,000 | $ 183,333 | $ 435,000 |
| Santa Fe, NM | 9 | $ 1,489,000 | $ 165,444 | $ 152,000 |
| Wausau, WI | 9 | $ 495,000 | $ 55,000 | $ 360,000 |
| Battle Creek, MI | 8 | $ 618,000 | $ 77,250 | $ 180,000 |
| Bloomington-Normal, IL | 8 | $ 994,000 | $ 124,250 | $ 185,000 |
| Cheyenne, WY | 8 | $ 863,000 | $ 107,875 | $ 242,000 |
| Dalton, GA | 8 | $ 691,000 | $ 86,375 | $ 284,000 |
| Eau Claire, WI | 8 | $ 846,000 | $ 105,750 | $ 145,000 |
| Elizabethtown, KY | 8 | $ 968,000 | $ 121,000 | $ 425,000 |
| Goldsboro, NC | 8 | $ 594,000 | $ 74,250 | $ 345,000 |
| Hattiesburg, MS | 8 | $ 744,000 | $ 93,000 | $ 75,000 |
| Jackson, MI | 8 | $ 1,124,000 | $ 140,500 | $ 132,000 |
| Joplin, MO | 8 | $ 1,013,000 | $ 126,625 | $ 69,000 |
| Missoula, MT | 8 | $ 1,338,000 | $ 167,250 | $ 77,000 |
| Monroe, MI | 8 | $ 1,149,000 | $ 143,625 | $ 155,000 |
| Napa, CA | 8 | $ 1,552,000 | $ 194,000 | $ 218,000 |
| Pine Bluff, AR | 8 | $ 759,000 | $ 94,875 | $ 172,000 |
| Racine, WI | 8 | $ 611,000 | $ 76,375 | $ 390,000 |
| Rapid City, SD | 8 | $ 838,000 | $ 104,750 | $ 85,000 |
| San Angelo, TX | 8 | $ 625,000 | $ 78,125 | $ 61,000 |
| Sherman-Denison, TX | 8 | $ 309,000 | $ 38,625 | $ 256,000 |
| Springfield, IL | 8 | $ 982,000 | $ 122,750 | $ 124,000 |
| Alexandria, LA | 7 | $ 776,000 | $ 110,857 | $ 81,000 |
| Altoona, PA | 7 | $ 825,000 | $ 117,857 | $ 104,000 |
| Fargo, ND-MN | 7 | $ 941,000 | $ 134,428 | $ 396,000 |
| Hinesville-Fort Stewart, GA | 7 | $ 1,141,000 | $ 163,000 | $ 212,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 664,000 | $ 94,857 | $ 205,000 |
| Lafayette, IN | 7 | $ 927,000 | $ 132,428 | $ 63,000 |
| Laredo, TX | 7 | $ 637,000 | $ 91,000 | $ 303,000 |
| Morgantown, WV | 7 | $ 928,000 | $ 132,571 | $ 95,000 |
| Sheboygan, WI | 7 | $ 767,000 | $ 109,571 | $ 54,000 |
| Sioux Falls, SD | 7 | $ 753,000 | $ 107,571 | $ 245,000 |
| Springfield, OH | 7 | $ 827,000 | $ 118,142 | $ 74,000 |
| Terre Haute, IN | 7 | $ 331,000 | $ 47,285 | $ 284,000 |
| Wenatchee, WA | 7 | $ 916,000 | $ 130,857 | $ 198,000 |
| Yakima, WA | 7 | $ 849,000 | $ 121,285 | $ 214,000 |
| Yuba City, CA | 7 | $ 1,224,000 | $ 174,857 | $ 297,000 |
| Abilene, TX | 6 | $ 370,000 | $ 61,666 | $ 133,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 789,000 | $ 131,500 | $ 87,000 |
| Florence-Muscle Shoals, AL | 6 | $ 570,000 | $ 95,000 | $ 64,000 |
| Great Falls, MT | 6 | $ 528,000 | $ 88,000 | $ 210,000 |
| Janesville, WI | 6 | $ 1,045,000 | $ 174,166 | $ 75,000 |
| Jonesboro, AR | 6 | $ 648,000 | $ 108,000 | $ 89,000 |
| Longview, WA | 6 | $ 993,000 | $ 165,500 | $ 106,000 |
| Michigan City-La Porte, IN | 6 | $ 656,000 | $ 109,333 | $ 115,000 |
| Midland, TX | 6 | $ 575,000 | $ 95,833 | $ 237,000 |
| Rochester, MN | 6 | $ 880,000 | $ 146,666 | $ 350,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 6 | $ 694,000 | $ 115,666 | $ 574,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 867,000 | $ 144,500 | $ 141,000 |
| Anderson, IN | 5 | $ 474,000 | $ 94,800 | $ 73,000 |
| Bowling Green, KY | 5 | $ 355,000 | $ 71,000 | $ 96,000 |
| Casper, WY | 5 | $ 512,000 | $ 102,400 | $ 78,000 |
| Cumberland, MD-WV | 5 | $ 414,000 | $ 82,800 | $ 82,000 |
| Decatur, AL | 5 | $ 223,000 | $ 44,600 | $ 1,322,000 |
| Elkhart-Goshen, IN | 5 | $ 359,000 | $ 71,800 | $ 142,000 |
| Sandusky, OH | 5 | $ 542,000 | $ 108,400 | $ 130,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 666,000 | $ 133,200 | $ 77,000 |
| St. Joseph, MO-KS | 5 | $ 396,000 | $ 79,200 | $ 320,000 |
| Victoria, TX | 5 | $ 400,000 | $ 80,000 | $ 385,000 |
| Bay City, MI | 4 | $ 244,000 | $ 61,000 | $ 56,000 |
| Cleveland, TN | 4 | $ 391,000 | $ 97,750 | $ 49,000 |
| Danville, IL | 4 | $ 353,000 | $ 88,250 | $ 61,000 |
| Gadsden, AL | 4 | $ 184,000 | $ 46,000 | $ 153,000 |
| Jackson, TN | 4 | $ 744,000 | $ 186,000 | $ 333,000 |
| Kankakee-Bradley, IL | 4 | $ 240,000 | $ 60,000 | $ 266,000 |
| La Crosse, WI-MN | 4 | $ 489,000 | $ 122,250 | $ 95,000 |
| Oshkosh-Neenah, WI | 4 | $ 509,000 | $ 127,250 | $ 59,000 |
| Pocatello, ID | 4 | $ 359,000 | $ 89,750 | $ 198,000 |
| Rome, GA | 4 | $ 254,000 | $ 63,500 | $ 40,000 |
| St. Cloud, MN | 4 | $ 939,000 | $ 234,750 | $ 91,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 691,000 | $ 172,750 | $ 108,000 |
| Bismarck, ND | 3 | $ 388,000 | $ 129,333 | $ 50,000 |
| Fairbanks, AK | 3 | $ 490,000 | $ 163,333 | $ 135,000 |
| Iowa City, IA | 3 | $ 564,000 | $ 188,000 | $ 304,000 |
| Lewiston, ID-WA | 3 | $ 26,000 | $ 8,666 | $ 396,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 111,000 | $ 37,000 | $ 315,000 |
| Wheeling, WV-OH | 3 | $ 109,000 | $ 36,333 | $ 472,000 |
| Ames, IA | 2 | $ 210,000 | $ 105,000 | $ 42,000 |
| Columbus, IN | 2 | $ 400,000 | $ 200,000 | $ 174,000 |
| Dubuque, IA | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Elmira, NY | 2 | $ 195,000 | $ 97,500 | $ 52,000 |
| Fond Du Lac, WI | 2 | $ 17,000 | $ 8,500 | $ 256,000 |
| Grand Forks, ND-MN | 2 | $ 382,000 | $ 191,000 | $ 88,000 |
| Hot Springs, AR | 2 | $ 25,000 | $ 12,500 | $ 327,000 |
| Kokomo, IN | 2 | $ 126,000 | $ 63,000 | $ 57,000 |
| Lima, OH | 2 | $ 224,000 | $ 112,000 | $ 61,000 |
| Mansfield, OH | 2 | $ 225,000 | $ 112,500 | $ 186,000 |
| Sioux City, IA-NE-SD | 2 | $ 112,000 | $ 56,000 | $ 569,000 |
| Aguadilla-Isabela-San Sebastian, PR | 1 | $ 4,000 | $ 4,000 | $ 180,000 |
| Decatur, IL | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Logan, UT-ID | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Odessa, TX | 1 | $ 144,000 | $ 144,000 | $ 1,788,000 |
| Owensboro, KY | 1 | $ 2,000 | $ 2,000 | $ 1,296,000 |
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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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