Nfcu Mortgage Lending & HMDA Data, 2006
In 2006, Nfcu of Vienna, VA reported 65,339 mortgage applications totaling $10.5 billion, up 3% from 2005. The average application was for $160,273, and applicants reported an average income of $90,641. 59% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (8,377), Virginia Beach-Norfolk-Newport News, VA-NC (6,753) and San Diego-Carlsbad-San Marcos, CA (2,489) (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 | 65,339 |
| Total Mortgage Loan Application Amount | $10,472,094,000 |
| Average Mortgage Loan Application Amount | $160,273 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $90,641 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8,377 | $ 1,551,701,000 | $ 185,233 | $ 110,959 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6,753 | $ 866,646,000 | $ 128,334 | $ 81,126 |
| San Diego-Carlsbad-San Marcos, CA | 2,489 | $ 503,531,000 | $ 202,302 | $ 106,000 |
| Jacksonville, FL | 2,414 | $ 283,625,000 | $ 117,491 | $ 80,000 |
| Baltimore-Towson, MD | 1,685 | $ 296,562,000 | $ 176,001 | $ 107,000 |
| Pensacola-Ferry Pass-Brent, FL | 1,139 | $ 135,037,000 | $ 118,557 | $ 73,000 |
| Jacksonville, NC | 1,127 | $ 120,198,000 | $ 106,653 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 1,065 | $ 202,484,000 | $ 190,125 | $ 93,000 |
| Atlanta-Sandy Springs-Marietta, GA | 837 | $ 122,323,000 | $ 146,144 | $ 94,000 |
| Bethesda-Gaithersburg-Frederick, MD | 817 | $ 162,637,000 | $ 199,066 | $ 123,000 |
| Honolulu, HI | 742 | $ 181,190,000 | $ 244,191 | $ 105,000 |
| Orlando-Kissimmee, FL | 674 | $ 95,902,000 | $ 142,287 | $ 87,000 |
| Bremerton-Silverdale, WA | 652 | $ 91,094,000 | $ 139,714 | $ 82,000 |
| Philadelphia, PA | 624 | $ 84,211,000 | $ 134,953 | $ 93,000 |
| Charleston-North Charleston, SC | 536 | $ 69,942,000 | $ 130,488 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 504 | $ 75,527,000 | $ 149,855 | $ 89,000 |
| Norwich-New London, CT | 471 | $ 68,437,000 | $ 145,301 | $ 89,000 |
| Providence-New Bedford-Fall River, RI-MA | 443 | $ 72,639,000 | $ 163,970 | $ 104,135 |
| Camden, NJ | 440 | $ 54,138,000 | $ 123,040 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 414 | $ 81,422,000 | $ 196,671 | $ 114,000 |
| New Orleans-Metairie-Kenner, LA | 400 | $ 48,037,000 | $ 120,092 | $ 79,000 |
| Richmond, VA | 395 | $ 62,723,000 | $ 158,792 | $ 96,000 |
| Phoenix-Mesa-Scottsdale, AZ | 383 | $ 65,519,000 | $ 171,067 | $ 86,000 |
| Memphis, TN-MS-AR | 371 | $ 45,449,000 | $ 122,504 | $ 85,676 |
| Chicago-Naperville-Joliet, IL | 365 | $ 59,751,000 | $ 163,701 | $ 91,000 |
| Seattle-Bellevue-Everett, WA | 358 | $ 65,013,000 | $ 181,600 | $ 97,000 |
| Houston-Sugar Land-Baytown, TX | 346 | $ 43,914,000 | $ 126,919 | $ 84,000 |
| Corpus Christi, TX | 339 | $ 38,368,000 | $ 113,179 | $ 78,000 |
| Fort Worth-Arlington, TX | 314 | $ 33,928,000 | $ 108,050 | $ 86,000 |
| Dallas-Plano-Irving, TX | 285 | $ 43,620,000 | $ 153,052 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 265 | $ 67,093,000 | $ 253,181 | $ 129,000 |
| Las Vegas-Paradise, NV | 262 | $ 48,440,000 | $ 184,885 | $ 96,000 |
| Cleveland-Elyria-Mentor, OH | 260 | $ 27,066,000 | $ 104,100 | $ 84,000 |
| San Antonio, TX | 250 | $ 33,822,000 | $ 135,288 | $ 88,000 |
| Charlotte-Gastonia-Concord, NC-SC | 244 | $ 36,251,000 | $ 148,569 | $ 96,778 |
| Yuma, AZ | 239 | $ 33,355,000 | $ 139,560 | $ 74,000 |
| Raleigh-Cary, NC | 235 | $ 36,889,000 | $ 156,974 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 218 | $ 36,584,000 | $ 167,816 | $ 88,000 |
| Edison, NJ | 208 | $ 38,368,000 | $ 184,461 | $ 101,000 |
| Miami-Miami Beach-Kendall, FL | 206 | $ 27,899,000 | $ 135,432 | $ 77,000 |
| Lake County-Kenosha County, IL-WI | 196 | $ 25,364,000 | $ 129,408 | $ 86,265 |
| New York-White Plains-Wayne, NY-NJ | 195 | $ 37,553,000 | $ 192,579 | $ 104,276 |
| St. Louis, MO-IL | 183 | $ 23,190,000 | $ 126,721 | $ 92,131 |
| Portland-South Portland-Biddeford, ME | 182 | $ 25,295,000 | $ 138,983 | $ 94,000 |
| Denver-Aurora, CO | 169 | $ 30,798,000 | $ 182,236 | $ 100,000 |
| Wilmington, NC | 166 | $ 27,527,000 | $ 165,825 | $ 95,000 |
| Gulfport-Biloxi, MS | 164 | $ 16,688,000 | $ 101,756 | $ 67,000 |
| Portland-Vancouver-Beaverton, OR-WA | 157 | $ 25,568,000 | $ 162,853 | $ 88,554 |
| Kansas City, MO-KS | 151 | $ 20,193,000 | $ 133,728 | $ 85,589 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 151 | $ 24,108,000 | $ 159,655 | $ 97,324 |
| Pittsburgh, PA | 151 | $ 19,046,000 | $ 126,132 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 150 | $ 23,828,000 | $ 158,853 | $ 87,000 |
| Hanford-Corcoran, CA | 145 | $ 22,819,000 | $ 157,372 | $ 90,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 135 | $ 25,730,000 | $ 190,592 | $ 108,000 |
| Wilmington, DE-MD-NJ | 135 | $ 18,128,000 | $ 134,281 | $ 89,688 |
| Tucson, AZ | 132 | $ 20,362,000 | $ 154,257 | $ 90,000 |
| Augusta-Richmond County, GA-SC | 125 | $ 15,928,000 | $ 127,424 | $ 81,320 |
| Hartford-West Hartford-East Hartford, CT | 122 | $ 20,074,000 | $ 164,540 | $ 102,000 |
| Austin-Round Rock, TX | 121 | $ 18,632,000 | $ 153,983 | $ 97,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 121 | $ 16,644,000 | $ 137,553 | $ 76,000 |
| Oklahoma City, OK | 120 | $ 15,337,000 | $ 127,808 | $ 85,000 |
| Nashville-Davidson--Murfreesboro, TN | 119 | $ 16,843,000 | $ 141,537 | $ 78,000 |
| Bakersfield, CA | 115 | $ 17,573,000 | $ 152,808 | $ 94,000 |
| Albany, GA | 114 | $ 12,510,000 | $ 109,736 | $ 76,000 |
| Oakland-Fremont-Hayward, CA | 114 | $ 25,993,000 | $ 228,008 | $ 129,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 113 | $ 21,018,000 | $ 186,000 | $ 94,000 |
| Colorado Springs, CO | 112 | $ 21,095,000 | $ 188,348 | $ 102,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 111 | $ 22,040,000 | $ 198,558 | $ 107,000 |
| Albuquerque, NM | 109 | $ 14,653,000 | $ 134,431 | $ 86,000 |
| Boston-Quincy, MA | 107 | $ 23,334,000 | $ 218,074 | $ 123,000 |
| Columbia, SC | 105 | $ 13,544,000 | $ 128,990 | $ 78,000 |
| Hagerstown-Martinsburg, MD-WV | 103 | $ 15,961,000 | $ 154,961 | $ 87,213 |
| Nassau-Suffolk, NY | 102 | $ 20,967,000 | $ 205,558 | $ 124,000 |
| Columbus, OH | 99 | $ 14,964,000 | $ 151,151 | $ 95,000 |
| Newark-Union, NJ-PA | 99 | $ 18,290,000 | $ 184,747 | $ 128,666 |
| Lakeland, FL | 97 | $ 12,508,000 | $ 128,948 | $ 78,000 |
| Tacoma, WA | 94 | $ 15,753,000 | $ 167,585 | $ 88,000 |
| Panama City-Lynn Haven, FL | 93 | $ 13,998,000 | $ 150,516 | $ 84,000 |
| Cincinnati-Middletown, OH-KY-IN | 92 | $ 10,515,000 | $ 114,293 | $ 90,467 |
| Ocala, FL | 92 | $ 10,379,000 | $ 112,815 | $ 74,000 |
| Louisville-Jefferson County, KY-IN | 89 | $ 13,243,000 | $ 148,797 | $ 90,561 |
| Albany-Schenectady-Troy, NY | 88 | $ 12,681,000 | $ 144,102 | $ 78,000 |
| Birmingham-Hoover, AL | 88 | $ 10,023,000 | $ 113,897 | $ 79,000 |
| Huntsville, AL | 87 | $ 13,264,000 | $ 152,459 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 87 | $ 13,740,000 | $ 157,931 | $ 90,482 |
| Mobile, AL | 83 | $ 8,933,000 | $ 107,626 | $ 70,000 |
| Savannah, GA | 82 | $ 10,887,000 | $ 132,768 | $ 85,000 |
| Durham, NC | 79 | $ 12,736,000 | $ 161,215 | $ 100,000 |
| Harrisburg-Carlisle, PA | 78 | $ 11,039,000 | $ 141,525 | $ 98,000 |
| Baton Rouge, LA | 76 | $ 9,207,000 | $ 121,144 | $ 80,000 |
| Fayetteville, NC | 76 | $ 8,628,000 | $ 113,526 | $ 77,000 |
| Greenville, SC | 75 | $ 9,034,000 | $ 120,453 | $ 85,000 |
| New Haven-Milford, CT | 75 | $ 12,793,000 | $ 170,573 | $ 101,000 |
| Warren-Troy-Farmington Hills, MI | 73 | $ 8,606,000 | $ 117,890 | $ 84,000 |
| York-Hanover, PA | 73 | $ 9,677,000 | $ 132,561 | $ 102,000 |
| Indianapolis-Carmel, IN | 72 | $ 9,066,000 | $ 125,916 | $ 80,000 |
| Rockingham County-Strafford County, NH | 72 | $ 13,192,000 | $ 183,222 | $ 107,000 |
| Mount Vernon-Anacortes, WA | 69 | $ 9,449,000 | $ 136,942 | $ 92,000 |
| Sarasota-Bradenton-Venice, FL | 67 | $ 11,196,000 | $ 167,104 | $ 110,000 |
| Charlottesville, VA | 66 | $ 13,550,000 | $ 205,303 | $ 112,000 |
| Cambridge-Newton-Framingham, MA | 64 | $ 14,486,000 | $ 226,343 | $ 113,000 |
| Knoxville, TN | 64 | $ 7,609,000 | $ 118,890 | $ 88,000 |
| Vallejo-Fairfield, CA | 64 | $ 9,677,000 | $ 151,203 | $ 118,000 |
| Boise City-Nampa, ID | 63 | $ 10,018,000 | $ 159,015 | $ 72,000 |
| Tallahassee, FL | 63 | $ 8,652,000 | $ 137,333 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 62 | $ 10,028,000 | $ 161,741 | $ 89,790 |
| San Jose-Sunnyvale-Santa Clara, CA | 62 | $ 15,715,000 | $ 253,467 | $ 141,000 |
| Cape Coral-Fort Myers, FL | 61 | $ 9,721,000 | $ 159,360 | $ 96,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 61 | $ 8,631,000 | $ 141,491 | $ 116,000 |
| Winchester, VA-WV | 60 | $ 11,546,000 | $ 192,433 | $ 91,100 |
| Jackson, MS | 59 | $ 6,382,000 | $ 108,169 | $ 79,000 |
| Asheville, NC | 58 | $ 10,131,000 | $ 174,672 | $ 91,000 |
| Detroit-Livonia-Dearborn, MI | 58 | $ 5,320,000 | $ 91,724 | $ 67,000 |
| Fresno, CA | 56 | $ 11,198,000 | $ 199,964 | $ 109,000 |
| Fort Walton Beach-Crestview-Destin, FL | 52 | $ 7,982,000 | $ 153,500 | $ 98,000 |
| Gainesville, FL | 52 | $ 7,919,000 | $ 152,288 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 52 | $ 6,886,000 | $ 132,423 | $ 88,000 |
| Stockton, CA | 52 | $ 8,275,000 | $ 159,134 | $ 87,000 |
| Tulsa, OK | 52 | $ 5,526,000 | $ 106,269 | $ 74,000 |
| Dayton, OH | 51 | $ 6,875,000 | $ 134,803 | $ 98,000 |
| Chattanooga, TN-GA | 49 | $ 6,736,000 | $ 137,469 | $ 77,346 |
| Port St. Lucie-Fort Pierce, FL | 49 | $ 7,608,000 | $ 155,265 | $ 97,000 |
| Worcester, MA | 49 | $ 8,015,000 | $ 163,571 | $ 101,000 |
| Brunswick, GA | 48 | $ 7,601,000 | $ 158,354 | $ 92,000 |
| Greensboro-High Point, NC | 48 | $ 5,284,000 | $ 110,083 | $ 80,000 |
| Montgomery, AL | 47 | $ 6,309,000 | $ 134,234 | $ 80,000 |
| Rochester, NY | 46 | $ 5,376,000 | $ 116,869 | $ 90,000 |
| Spokane, WA | 46 | $ 6,045,000 | $ 131,413 | $ 87,000 |
| El Paso, TX | 45 | $ 4,491,000 | $ 99,800 | $ 87,000 |
| Pascagoula, MS | 45 | $ 4,114,000 | $ 91,422 | $ 71,000 |
| Winston-Salem, NC | 44 | $ 6,972,000 | $ 158,454 | $ 98,000 |
| Little Rock-North Little Rock, AR | 43 | $ 4,887,000 | $ 113,651 | $ 67,000 |
| Reno-Sparks, NV | 43 | $ 7,995,000 | $ 185,930 | $ 97,000 |
| Atlantic City, NJ | 41 | $ 6,130,000 | $ 149,512 | $ 104,000 |
| Macon, GA | 41 | $ 3,615,000 | $ 88,170 | $ 82,000 |
| Manchester-Nashua, NH | 41 | $ 6,437,000 | $ 157,000 | $ 104,000 |
| Akron, OH | 40 | $ 4,845,000 | $ 121,125 | $ 79,000 |
| Dover, DE | 40 | $ 6,213,000 | $ 155,325 | $ 75,000 |
| Lynchburg, VA | 40 | $ 5,294,000 | $ 132,350 | $ 87,000 |
| Salt Lake City, UT | 40 | $ 7,147,000 | $ 178,675 | $ 89,000 |
| Gary, IN | 39 | $ 4,252,000 | $ 109,025 | $ 75,000 |
| Ogden-Clearfield, UT | 39 | $ 5,612,000 | $ 143,897 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 39 | $ 15,252,000 | $ 391,076 | $ 153,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 38 | $ 7,425,000 | $ 195,394 | $ 97,000 |
| Shreveport-Bossier City, LA | 38 | $ 3,802,000 | $ 100,052 | $ 78,000 |
| Bridgeport-Stamford-Norwalk, CT | 37 | $ 7,960,000 | $ 215,135 | $ 131,000 |
| Springfield, MA | 37 | $ 6,111,000 | $ 165,162 | $ 88,000 |
| Anchorage, AK | 36 | $ 5,427,000 | $ 150,750 | $ 104,000 |
| Springfield, MO | 36 | $ 3,682,000 | $ 102,277 | $ 67,000 |
| Buffalo-Niagara Falls, NY | 35 | $ 2,954,000 | $ 84,400 | $ 65,000 |
| Greenville, NC | 33 | $ 3,727,000 | $ 112,939 | $ 82,000 |
| Killeen-Temple-Fort Hood, TX | 33 | $ 2,911,000 | $ 88,212 | $ 67,000 |
| Lewiston-Auburn, ME | 33 | $ 4,322,000 | $ 130,969 | $ 71,000 |
| Olympia, WA | 33 | $ 5,043,000 | $ 152,818 | $ 91,000 |
| Athens-Clarke County, GA | 32 | $ 3,960,000 | $ 123,750 | $ 91,000 |
| Clarksville, TN-KY | 32 | $ 2,907,000 | $ 90,843 | $ 64,375 |
| Lancaster, PA | 32 | $ 5,013,000 | $ 156,656 | $ 88,000 |
| Salisbury, MD | 32 | $ 4,477,000 | $ 139,906 | $ 88,000 |
| Scranton--Wilkes-Barre, PA | 32 | $ 2,963,000 | $ 92,593 | $ 97,000 |
| Essex County, MA | 31 | $ 6,322,000 | $ 203,935 | $ 122,000 |
| Grand Rapids-Wyoming, MI | 31 | $ 3,711,000 | $ 119,709 | $ 89,000 |
| Roanoke, VA | 30 | $ 4,313,000 | $ 143,766 | $ 81,000 |
| Spartanburg, SC | 29 | $ 3,133,000 | $ 108,034 | $ 98,000 |
| Syracuse, NY | 29 | $ 3,479,000 | $ 119,965 | $ 95,000 |
| Punta Gorda, FL | 28 | $ 4,805,000 | $ 171,607 | $ 84,000 |
| Youngstown-Warren-Boardman, OH-PA | 28 | $ 1,955,000 | $ 69,821 | $ 71,250 |
| Bend, OR | 27 | $ 5,472,000 | $ 202,666 | $ 94,000 |
| Modesto, CA | 27 | $ 2,800,000 | $ 103,703 | $ 95,000 |
| Salinas, CA | 27 | $ 7,720,000 | $ 285,925 | $ 113,000 |
| Toledo, OH | 27 | $ 3,354,000 | $ 124,222 | $ 87,000 |
| Valdosta, GA | 27 | $ 2,959,000 | $ 109,592 | $ 54,000 |
| Columbus, GA-AL | 26 | $ 2,573,000 | $ 98,961 | $ 71,769 |
| El Centro, CA | 26 | $ 4,493,000 | $ 172,807 | $ 96,000 |
| Hickory-Lenoir-Morganton, NC | 26 | $ 5,055,000 | $ 194,423 | $ 124,000 |
| Reading, PA | 26 | $ 3,252,000 | $ 125,076 | $ 91,000 |
| Barnstable Town, MA | 25 | $ 5,053,000 | $ 202,120 | $ 95,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 25 | $ 3,669,000 | $ 146,760 | $ 91,000 |
| Fort Collins-Loveland, CO | 25 | $ 3,558,000 | $ 142,320 | $ 97,000 |
| Lafayette, LA | 25 | $ 2,992,000 | $ 119,680 | $ 66,000 |
| Trenton-Ewing, NJ | 25 | $ 4,355,000 | $ 174,200 | $ 118,000 |
| College Station-Bryan, TX | 24 | $ 3,533,000 | $ 147,208 | $ 100,000 |
| Prescott, AZ | 24 | $ 4,367,000 | $ 181,958 | $ 82,000 |
| Visalia-Porterville, CA | 24 | $ 4,621,000 | $ 192,541 | $ 106,000 |
| Bellingham, WA | 23 | $ 3,227,000 | $ 140,304 | $ 98,000 |
| Blacksburg-Christiansburg-Radford, VA | 23 | $ 3,898,000 | $ 169,478 | $ 111,000 |
| Florence, SC | 23 | $ 1,983,000 | $ 86,217 | $ 66,000 |
| Wichita, KS | 23 | $ 2,183,000 | $ 94,913 | $ 69,000 |
| Beaumont-Port Arthur, TX | 22 | $ 1,860,000 | $ 84,545 | $ 60,000 |
| Lexington-Fayette, KY | 22 | $ 2,844,000 | $ 129,272 | $ 68,000 |
| Madison, WI | 22 | $ 2,190,000 | $ 99,545 | $ 97,000 |
| McAllen-Edinburg-Mission, TX | 22 | $ 2,070,000 | $ 94,090 | $ 79,000 |
| Warner Robins, GA | 22 | $ 3,125,000 | $ 142,045 | $ 78,000 |
| Anderson, SC | 21 | $ 3,261,000 | $ 155,285 | $ 79,000 |
| Boulder, CO | 21 | $ 4,224,000 | $ 201,142 | $ 100,000 |
| Coeur D'Alene, ID | 21 | $ 3,162,000 | $ 150,571 | $ 77,000 |
| Davenport-Moline-Rock Island, IA-IL | 21 | $ 1,948,000 | $ 92,761 | $ 91,523 |
| Las Cruces, NM | 21 | $ 3,263,000 | $ 155,380 | $ 82,000 |
| Rocky Mount, NC | 21 | $ 3,540,000 | $ 168,571 | $ 97,000 |
| Bangor, ME | 20 | $ 2,657,000 | $ 132,850 | $ 73,000 |
| Dothan, AL | 20 | $ 2,258,000 | $ 112,900 | $ 73,000 |
| Erie, PA | 20 | $ 1,465,000 | $ 73,250 | $ 61,000 |
| Rockford, IL | 20 | $ 1,500,000 | $ 75,000 | $ 75,000 |
| Salem, OR | 20 | $ 2,616,000 | $ 130,800 | $ 77,000 |
| Binghamton, NY | 19 | $ 1,802,000 | $ 94,842 | $ 87,000 |
| Eugene-Springfield, OR | 19 | $ 3,231,000 | $ 170,052 | $ 91,000 |
| Fort Wayne, IN | 19 | $ 1,819,000 | $ 95,736 | $ 86,000 |
| Greeley, CO | 19 | $ 2,323,000 | $ 122,263 | $ 78,000 |
| Houma-Bayou Cane-Thibodaux, LA | 19 | $ 2,395,000 | $ 126,052 | $ 71,000 |
| Kennewick-Richland-Pasco, WA | 19 | $ 2,790,000 | $ 146,842 | $ 95,000 |
| Kingsport-Bristol-Bristol, TN-VA | 19 | $ 3,078,000 | $ 162,000 | $ 130,631 |
| Harrisonburg, VA | 18 | $ 3,228,000 | $ 179,333 | $ 93,000 |
| Johnson City, TN | 18 | $ 2,010,000 | $ 111,666 | $ 58,000 |
| Waco, TX | 18 | $ 1,591,000 | $ 88,388 | $ 64,000 |
| Canton-Massillon, OH | 17 | $ 1,065,000 | $ 62,647 | $ 73,000 |
| Cumberland, MD-WV | 17 | $ 1,436,000 | $ 84,470 | $ 65,470 |
| Ocean City, NJ | 17 | $ 5,414,000 | $ 318,470 | $ 186,000 |
| Auburn-Opelika, AL | 16 | $ 2,092,000 | $ 130,750 | $ 89,000 |
| Columbia, MO | 16 | $ 2,068,000 | $ 129,250 | $ 82,000 |
| Johnstown, PA | 16 | $ 1,271,000 | $ 79,437 | $ 78,000 |
| Lansing-East Lansing, MI | 16 | $ 1,778,000 | $ 111,125 | $ 78,000 |
| Racine, WI | 16 | $ 2,197,000 | $ 137,312 | $ 82,000 |
| Santa Rosa-Petaluma, CA | 16 | $ 2,121,000 | $ 132,562 | $ 110,000 |
| Sebastian-Vero Beach, FL | 16 | $ 2,683,000 | $ 167,687 | $ 84,000 |
| Sumter, SC | 16 | $ 1,829,000 | $ 114,312 | $ 84,000 |
| Flagstaff, AZ | 15 | $ 3,127,000 | $ 208,466 | $ 85,000 |
| Jefferson City, MO | 15 | $ 2,065,000 | $ 137,666 | $ 66,000 |
| Peoria, IL | 15 | $ 2,170,000 | $ 144,666 | $ 88,000 |
| Redding, CA | 15 | $ 2,715,000 | $ 181,000 | $ 98,000 |
| Topeka, KS | 15 | $ 1,173,000 | $ 78,200 | $ 72,000 |
| Wichita Falls, TX | 15 | $ 1,535,000 | $ 102,333 | $ 78,000 |
| Yuba City, CA | 15 | $ 2,751,000 | $ 183,400 | $ 77,000 |
| Ann Arbor, MI | 14 | $ 2,472,000 | $ 176,571 | $ 121,000 |
| Burlington, NC | 14 | $ 1,137,000 | $ 81,214 | $ 85,000 |
| Hattiesburg, MS | 14 | $ 1,884,000 | $ 134,571 | $ 96,000 |
| Provo-Orem, UT | 14 | $ 2,170,000 | $ 155,000 | $ 70,000 |
| Glens Falls, NY | 13 | $ 1,493,000 | $ 114,846 | $ 74,000 |
| Idaho Falls, ID | 13 | $ 1,747,000 | $ 134,384 | $ 85,000 |
| Longview, WA | 13 | $ 1,155,000 | $ 88,846 | $ 75,000 |
| State College, PA | 13 | $ 2,161,000 | $ 166,230 | $ 94,000 |
| Tuscaloosa, AL | 13 | $ 654,000 | $ 50,307 | $ 64,000 |
| Brownsville-Harlingen, TX | 12 | $ 1,216,000 | $ 101,333 | $ 81,000 |
| Charleston, WV | 12 | $ 395,000 | $ 32,916 | $ 54,000 |
| Evansville, IN-KY | 12 | $ 1,158,000 | $ 96,500 | $ 71,500 |
| Gainesville, GA | 12 | $ 3,048,000 | $ 254,000 | $ 109,000 |
| Hinesville-Fort Stewart, GA | 12 | $ 1,060,000 | $ 88,333 | $ 88,000 |
| Kingston, NY | 12 | $ 2,279,000 | $ 189,916 | $ 90,000 |
| Lawton, OK | 12 | $ 1,809,000 | $ 150,750 | $ 70,000 |
| Monroe, MI | 12 | $ 2,296,000 | $ 191,333 | $ 80,000 |
| Muskegon-Norton Shores, MI | 12 | $ 573,000 | $ 47,750 | $ 47,000 |
| Pittsfield, MA | 12 | $ 1,600,000 | $ 133,333 | $ 180,000 |
| Santa Barbara-Santa Maria, CA | 12 | $ 1,210,000 | $ 100,833 | $ 106,000 |
| Alexandria, LA | 11 | $ 1,164,000 | $ 105,818 | $ 969,000 |
| Amarillo, TX | 11 | $ 1,512,000 | $ 137,454 | $ 148,000 |
| Burlington-South Burlington, VT | 11 | $ 1,761,000 | $ 160,090 | $ 78,000 |
| Cedar Rapids, IA | 11 | $ 733,000 | $ 66,636 | $ 68,000 |
| Danville, VA | 11 | $ 849,000 | $ 77,181 | $ 76,000 |
| Duluth, MN-WI | 11 | $ 1,700,000 | $ 154,545 | $ 90,272 |
| Green Bay, WI | 11 | $ 1,727,000 | $ 157,000 | $ 95,000 |
| Kalamazoo-Portage, MI | 11 | $ 1,265,000 | $ 115,000 | $ 102,000 |
| Lafayette, IN | 11 | $ 1,223,000 | $ 111,181 | $ 62,000 |
| Naples-Marco Island, FL | 11 | $ 1,226,000 | $ 111,454 | $ 107,000 |
| Pueblo, CO | 11 | $ 976,000 | $ 88,727 | $ 100,000 |
| San Angelo, TX | 11 | $ 1,008,000 | $ 91,636 | $ 41,000 |
| Utica-Rome, NY | 11 | $ 1,321,000 | $ 120,090 | $ 94,000 |
| Billings, MT | 10 | $ 1,776,000 | $ 177,600 | $ 80,000 |
| Bowling Green, KY | 10 | $ 1,627,000 | $ 162,700 | $ 132,000 |
| Chico, CA | 10 | $ 1,722,000 | $ 172,200 | $ 92,000 |
| Decatur, AL | 10 | $ 986,000 | $ 98,600 | $ 82,000 |
| Fairbanks, AK | 10 | $ 1,805,000 | $ 180,500 | $ 95,000 |
| Holland-Grand Haven, MI | 10 | $ 1,860,000 | $ 186,000 | $ 94,000 |
| Lake Charles, LA | 10 | $ 997,000 | $ 99,700 | $ 75,000 |
| Laredo, TX | 10 | $ 622,000 | $ 62,200 | $ 55,000 |
| Merced, CA | 10 | $ 2,036,000 | $ 203,600 | $ 94,000 |
| Missoula, MT | 10 | $ 1,093,000 | $ 109,300 | $ 95,000 |
| Morgantown, WV | 10 | $ 991,000 | $ 99,100 | $ 55,000 |
| St. George, UT | 10 | $ 2,535,000 | $ 253,500 | $ 107,000 |
| Bloomington, IN | 9 | $ 1,107,000 | $ 123,000 | $ 82,000 |
| Cleveland, TN | 9 | $ 1,437,000 | $ 159,666 | $ 63,000 |
| Corvallis, OR | 9 | $ 847,000 | $ 94,111 | $ 68,000 |
| Des Moines-West Des Moines, IA | 9 | $ 1,037,000 | $ 115,222 | $ 86,000 |
| Fargo, ND-MN | 9 | $ 1,143,000 | $ 127,000 | $ 104,666 |
| Florence-Muscle Shoals, AL | 9 | $ 842,000 | $ 93,555 | $ 97,000 |
| Fort Smith, AR-OK | 9 | $ 803,000 | $ 89,222 | $ 91,000 |
| Goldsboro, NC | 9 | $ 657,000 | $ 73,000 | $ 41,000 |
| Lebanon, PA | 9 | $ 1,556,000 | $ 172,888 | $ 88,000 |
| Medford, OR | 9 | $ 2,068,000 | $ 229,777 | $ 90,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,091,000 | $ 121,222 | $ 133,333 |
| Springfield, IL | 9 | $ 1,083,000 | $ 120,333 | $ 68,000 |
| Tyler, TX | 9 | $ 1,306,000 | $ 145,111 | $ 68,000 |
| Vineland-Millville-Bridgeton, NJ | 9 | $ 1,165,000 | $ 129,444 | $ 93,000 |
| Yakima, WA | 9 | $ 966,000 | $ 107,333 | $ 78,000 |
| Abilene, TX | 8 | $ 902,000 | $ 112,750 | $ 68,000 |
| Elizabethtown, KY | 8 | $ 929,000 | $ 116,125 | $ 73,000 |
| Elkhart-Goshen, IN | 8 | $ 727,000 | $ 90,875 | $ 66,000 |
| Farmington, NM | 8 | $ 1,701,000 | $ 212,625 | $ 98,000 |
| Grand Junction, CO | 8 | $ 687,000 | $ 85,875 | $ 74,000 |
| Hot Springs, AR | 8 | $ 614,000 | $ 76,750 | $ 105,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 792,000 | $ 99,000 | $ 68,875 |
| Lincoln, NE | 8 | $ 1,085,000 | $ 135,625 | $ 71,000 |
| Monroe, LA | 8 | $ 962,000 | $ 120,250 | $ 84,000 |
| Rapid City, SD | 8 | $ 755,000 | $ 94,375 | $ 62,000 |
| Sherman-Denison, TX | 8 | $ 888,000 | $ 111,000 | $ 92,000 |
| Victoria, TX | 8 | $ 779,000 | $ 97,375 | $ 66,000 |
| Altoona, PA | 7 | $ 709,000 | $ 101,285 | $ 63,000 |
| Battle Creek, MI | 7 | $ 767,000 | $ 109,571 | $ 106,000 |
| Champaign-Urbana, IL | 7 | $ 935,000 | $ 133,571 | $ 63,000 |
| Flint, MI | 7 | $ 852,000 | $ 121,714 | $ 100,000 |
| Jonesboro, AR | 7 | $ 547,000 | $ 78,142 | $ 101,000 |
| Lawrence, KS | 7 | $ 1,113,000 | $ 159,000 | $ 73,000 |
| Longview, TX | 7 | $ 768,000 | $ 109,714 | $ 51,000 |
| Niles-Benton Harbor, MI | 7 | $ 887,000 | $ 126,714 | $ 93,000 |
| Sioux Falls, SD | 7 | $ 1,215,000 | $ 173,571 | $ 75,000 |
| Terre Haute, IN | 7 | $ 586,000 | $ 83,714 | $ 78,000 |
| Iowa City, IA | 6 | $ 858,000 | $ 143,000 | $ 57,000 |
| Jackson, TN | 6 | $ 700,000 | $ 116,666 | $ 63,000 |
| Joplin, MO | 6 | $ 687,000 | $ 114,500 | $ 52,000 |
| Madera, CA | 6 | $ 959,000 | $ 159,833 | $ 71,000 |
| Midland, TX | 6 | $ 611,000 | $ 101,833 | $ 77,000 |
| Napa, CA | 6 | $ 703,000 | $ 117,166 | $ 158,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 6 | $ 861,000 | $ 143,500 | $ 91,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 423,000 | $ 70,500 | $ 66,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 193,000 | $ 32,166 | $ 125,000 |
| Santa Fe, NM | 6 | $ 1,574,000 | $ 262,333 | $ 126,000 |
| Anniston-Oxford, AL | 5 | $ 400,000 | $ 80,000 | $ 65,000 |
| Cheyenne, WY | 5 | $ 776,000 | $ 155,200 | $ 107,000 |
| Eau Claire, WI | 5 | $ 538,000 | $ 107,600 | $ 67,000 |
| La Crosse, WI-MN | 5 | $ 778,000 | $ 155,600 | $ 76,000 |
| Lubbock, TX | 5 | $ 402,000 | $ 80,400 | $ 78,000 |
| Michigan City-La Porte, IN | 5 | $ 601,000 | $ 120,200 | $ 98,000 |
| Morristown, TN | 5 | $ 411,000 | $ 82,200 | $ 66,000 |
| Pine Bluff, AR | 5 | $ 285,000 | $ 57,000 | $ 51,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,774,000 | $ 354,800 | $ 95,000 |
| Sandusky, OH | 5 | $ 772,000 | $ 154,400 | $ 96,000 |
| St. Cloud, MN | 5 | $ 333,000 | $ 66,600 | $ 55,000 |
| St. Joseph, MO-KS | 5 | $ 750,000 | $ 150,000 | $ 73,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 609,000 | $ 121,800 | $ 111,000 |
| Wenatchee, WA | 5 | $ 1,255,000 | $ 251,000 | $ 90,000 |
| Ames, IA | 4 | $ 485,000 | $ 121,250 | $ 59,000 |
| Appleton, WI | 4 | $ 837,000 | $ 209,250 | $ 93,000 |
| Bloomington-Normal, IL | 4 | $ 988,000 | $ 247,000 | $ 98,000 |
| Decatur, IL | 4 | $ 542,000 | $ 135,500 | $ 121,000 |
| Great Falls, MT | 4 | $ 460,000 | $ 115,000 | $ 68,000 |
| Ithaca, NY | 4 | $ 419,000 | $ 104,750 | $ 88,000 |
| Jackson, MI | 4 | $ 338,000 | $ 84,500 | $ 80,000 |
| Odessa, TX | 4 | $ 156,000 | $ 39,000 | $ 73,000 |
| Rochester, MN | 4 | $ 765,000 | $ 191,250 | $ 89,000 |
| San Juan-Caguas-Guaynabo, PR | 4 | $ 47,000 | $ 11,750 | $ 68,000 |
| Springfield, OH | 4 | $ 72,000 | $ 18,000 | $ 76,000 |
| Wheeling, WV-OH | 4 | $ 338,000 | $ 84,500 | $ 72,000 |
| Anderson, IN | 3 | $ 273,000 | $ 91,000 | $ 51,000 |
| Bismarck, ND | 3 | $ 338,000 | $ 112,666 | $ 63,000 |
| Carson City, NV | 3 | $ 515,000 | $ 171,666 | $ 37,000 |
| Casper, WY | 3 | $ 328,000 | $ 109,333 | $ 61,000 |
| Dubuque, IA | 3 | $ 230,000 | $ 76,666 | $ 81,000 |
| Fond Du Lac, WI | 3 | $ 468,000 | $ 156,000 | $ 73,000 |
| Gadsden, AL | 3 | $ 200,000 | $ 66,666 | $ 39,000 |
| Janesville, WI | 3 | $ 190,000 | $ 63,333 | $ 82,000 |
| Kankakee-Bradley, IL | 3 | $ 537,000 | $ 179,000 | $ 84,000 |
| Mansfield, OH | 3 | $ 423,000 | $ 141,000 | $ 81,000 |
| Oshkosh-Neenah, WI | 3 | $ 404,000 | $ 134,666 | $ 115,000 |
| Pocatello, ID | 3 | $ 300,000 | $ 100,000 | $ 111,000 |
| Rome, GA | 3 | $ 197,000 | $ 65,666 | $ 38,000 |
| Sheboygan, WI | 3 | $ 186,000 | $ 62,000 | $ 74,000 |
| Wausau, WI | 3 | $ 309,000 | $ 103,000 | $ 62,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 277,000 | $ 92,333 | $ 92,000 |
| Bay City, MI | 2 | $ 134,000 | $ 67,000 | $ 82,000 |
| Dalton, GA | 2 | $ 35,000 | $ 17,500 | $ 64,000 |
| Danville, IL | 2 | $ 141,000 | $ 70,500 | $ 52,000 |
| Elmira, NY | 2 | $ 449,000 | $ 224,500 | $ 174,000 |
| Fajardo, PR | 2 | $ 47,000 | $ 23,500 | $ 51,000 |
| Grand Forks, ND-MN | 2 | $ 51,000 | $ 25,500 | $ 71,000 |
| Lewiston, ID-WA | 2 | $ 27,000 | $ 13,500 | $ 65,000 |
| Logan, UT-ID | 2 | $ 159,000 | $ 79,500 | $ 52,000 |
| Aguadilla-Isabela-San Sebastian, PR | 1 | $ 8,000 | $ 8,000 | $ 27,000 |
| Kokomo, IN | 1 | $ 152,000 | $ 152,000 | $ 83,000 |
| Lima, OH | 1 | $ 117,000 | $ 117,000 | $ 67,000 |
| Muncie, IN | 1 | $ 20,000 | $ 20,000 | $ 102,000 |
| Owensboro, KY | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Sioux City, IA-NE-SD | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
| Williamsport, PA | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Nfcu in 2006
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 | 27,596 | $4,199,060,000 | $152,000 | $1,800,000 | $96,000 | $6,062,000 |
| Home Purchase | 27,343 | $5,952,153,000 | $217,000 | $1,760,000 | $87,000 | $9,999,000 |
| Home Improvement | 10,400 | $320,881,000 | $30,000 | $350,000 | $86,000 | $1,680,000 |
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 | 30,632 | $4,981,380,000 | $162,000 | $1,400,000 | $93,000 | $1,889,000 |
| Not Provided | 19,145 | $3,166,707,000 | $165,000 | $1,800,000 | $93,000 | $9,999,000 |
| Black or African American | 8,074 | $1,098,461,000 | $136,000 | $950,000 | $80,000 | $6,374,000 |
| Hispanic | 3,857 | $572,357,000 | $148,000 | $810,000 | $79,000 | $1,679,000 |
| Asian | 2,410 | $465,133,000 | $193,000 | $1,760,000 | $93,000 | $1,132,000 |
| American Indian or Alaskan Native | 642 | $87,839,000 | $136,000 | $820,000 | $83,000 | $1,680,000 |
| Native Hawaiian or Other Pacific Islander | 579 | $100,217,000 | $173,000 | $1,200,000 | $89,000 | $540,000 |
| 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) | 64,887 | $10,393,484,000 | $160,000 | $1,800,000 | $91,000 | $9,999,000 |
| VA-guaranteed (Veterans Administration) | 452 | $78,610,000 | $173,000 | $417,000 | $69,000 | $456,000 |
| 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 | 38,683 | $5,611,837,000 | $145,000 | $1,406,000 | $95,000 | $3,089,000 |
| Application Withdrawn By Applicant | 11,241 | $2,247,950,000 | $199,000 | $1,800,000 | $90,000 | $1,710,000 |
| Preapproval Approved but not Accepted | 5,781 | $1,369,371,000 | $236,000 | $1,760,000 | $85,000 | $1,889,000 |
| Application Denied By Financial Institution | 5,417 | $494,708,000 | $91,000 | $989,000 | $76,000 | $9,999,000 |
| Preapproval Denied by Financial Institution | 2,701 | $488,900,000 | $181,000 | $1,500,000 | $65,000 | $6,374,000 |
| Application Approved But Not Accepted | 1,516 | $259,328,000 | $171,000 | $960,000 | $95,000 | $1,178,000 |
| 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 | 3,782 | $510,970,000 | $135,000 | $878,000 | $72,000 | $6,374,000 |
| Debt-To-Income Ratio | 2,559 | $350,933,000 | $137,000 | $1,500,000 | $63,000 | $450,000 |
| Other | 1,102 | $73,047,000 | $66,000 | $695,000 | $92,000 | $9,999,000 |
| Collateral | 491 | $19,205,000 | $39,000 | $417,000 | $74,000 | $731,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 88 | $14,034,000 | $159,000 | $400,000 | $61,000 | $230,000 |
| Employment History | 80 | $13,260,000 | $165,000 | $720,000 | $59,000 | $240,000 |
| Unverifiable Information | 14 | $1,957,000 | $139,000 | $480,000 | $121,000 | $288,000 |
| Credit Application Incomplete | 2 | $202,000 | $101,000 | $125,000 | $63,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2006 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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