Nfcu Mortgage Lending & HMDA Data, 2008
In 2008, Nfcu of Vienna, VA reported 72,989 mortgage applications totaling $15.4 billion, down 3% from 2007. The average application was for $211,109, and applicants reported an average income of $100,241. 42% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (9,683), Virginia Beach-Norfolk-Newport News, VA-NC (6,594) and San Diego-Carlsbad-San Marcos, CA (2,818) (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 | 72,989 |
| Total Mortgage Loan Application Amount | $15,408,689,000 |
| Average Mortgage Loan Application Amount | $211,109 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $100,241 |
| Highest Applicant Income | $3,600,000 |
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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 9,683 | $ 2,666,534,000 | $ 275,383 | $ 123,806 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6,594 | $ 1,154,260,000 | $ 175,047 | $ 90,514 |
| San Diego-Carlsbad-San Marcos, CA | 2,818 | $ 850,103,000 | $ 301,668 | $ 122,000 |
| Jacksonville, FL | 2,020 | $ 291,929,000 | $ 144,519 | $ 83,000 |
| Baltimore-Towson, MD | 1,743 | $ 452,463,000 | $ 259,588 | $ 118,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,100 | $ 207,304,000 | $ 188,458 | $ 103,000 |
| Jacksonville, NC | 1,045 | $ 121,147,000 | $ 115,930 | $ 71,000 |
| Riverside-San Bernardino-Ontario, CA | 997 | $ 223,879,000 | $ 224,552 | $ 103,000 |
| Bethesda-Frederick-Gaithersburg, MD | 968 | $ 301,048,000 | $ 311,000 | $ 140,000 |
| Pensacola-Ferry Pass-Brent, FL | 923 | $ 120,845,000 | $ 130,926 | $ 80,000 |
| Bremerton-Silverdale, WA | 734 | $ 143,431,000 | $ 195,410 | $ 90,000 |
| Honolulu, HI | 714 | $ 227,138,000 | $ 318,120 | $ 109,000 |
| Philadelphia, PA | 666 | $ 120,220,000 | $ 180,510 | $ 104,000 |
| Charleston-North Charleston-Summerville, SC | 534 | $ 89,555,000 | $ 167,705 | $ 86,000 |
| Richmond, VA | 528 | $ 101,502,000 | $ 192,238 | $ 97,000 |
| Orlando-Kissimmee, FL | 520 | $ 96,413,000 | $ 185,409 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 484 | $ 92,972,000 | $ 192,090 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 483 | $ 112,543,000 | $ 233,008 | $ 107,788 |
| Seattle-Bellevue-Everett, WA | 478 | $ 133,213,000 | $ 278,688 | $ 109,000 |
| Los Angeles-Long Beach-Glendale, CA | 462 | $ 128,870,000 | $ 278,939 | $ 133,000 |
| New Orleans-Metairie-Kenner, LA | 428 | $ 55,847,000 | $ 130,483 | $ 86,000 |
| Houston-Sugar Land-Baytown, TX | 418 | $ 60,560,000 | $ 144,880 | $ 101,000 |
| Norwich-New London, CT | 414 | $ 67,381,000 | $ 162,756 | $ 89,000 |
| Camden, NJ | 398 | $ 62,703,000 | $ 157,545 | $ 96,000 |
| Chicago-Naperville-Joliet, IL | 394 | $ 81,974,000 | $ 208,055 | $ 118,000 |
| Phoenix-Mesa-Scottsdale, AZ | 394 | $ 75,429,000 | $ 191,444 | $ 89,000 |
| Memphis, TN-MS-AR | 371 | $ 53,795,000 | $ 145,000 | $ 94,954 |
| Fort Worth-Arlington, TX | 368 | $ 51,509,000 | $ 139,970 | $ 97,000 |
| San Antonio, TX | 362 | $ 59,519,000 | $ 164,417 | $ 96,000 |
| Dallas-Plano-Irving, TX | 358 | $ 55,998,000 | $ 156,418 | $ 108,000 |
| Santa Ana-Anaheim-Irvine, CA | 328 | $ 115,420,000 | $ 351,890 | $ 133,000 |
| Raleigh-Cary, NC | 298 | $ 56,529,000 | $ 189,694 | $ 99,000 |
| Las Vegas-Paradise, NV | 295 | $ 65,008,000 | $ 220,366 | $ 112,000 |
| Charlotte-Gastonia-Concord, NC-SC | 270 | $ 45,622,000 | $ 168,970 | $ 102,033 |
| New York-White Plains-Wayne, NY-NJ | 267 | $ 68,819,000 | $ 257,749 | $ 122,992 |
| Cleveland-Elyria-Mentor, OH | 265 | $ 30,208,000 | $ 113,992 | $ 76,000 |
| Denver-Aurora, CO | 262 | $ 60,589,000 | $ 231,255 | $ 115,000 |
| Corpus Christi, TX | 258 | $ 29,720,000 | $ 115,193 | $ 78,000 |
| Portland-Vancouver-Beaverton, OR-WA | 233 | $ 54,814,000 | $ 235,253 | $ 100,373 |
| Edison-New Brunswick, NJ | 231 | $ 53,078,000 | $ 229,774 | $ 125,000 |
| Yuma, AZ | 229 | $ 36,339,000 | $ 158,685 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 198 | $ 41,745,000 | $ 210,833 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 190 | $ 35,748,000 | $ 188,147 | $ 88,000 |
| Miami-Miami Beach-Kendall, FL | 188 | $ 32,496,000 | $ 172,851 | $ 82,000 |
| St. Louis, MO-IL | 182 | $ 29,029,000 | $ 159,500 | $ 92,230 |
| Portland-South Portland-Biddeford, ME | 179 | $ 32,033,000 | $ 178,955 | $ 94,000 |
| Austin-Round Rock, TX | 168 | $ 32,684,000 | $ 194,547 | $ 115,000 |
| Kansas City, MO-KS | 164 | $ 25,577,000 | $ 155,957 | $ 98,158 |
| Oxnard-Thousand Oaks-Ventura, CA | 157 | $ 55,440,000 | $ 353,121 | $ 128,000 |
| Pittsburgh, PA | 154 | $ 21,402,000 | $ 138,974 | $ 102,000 |
| Tacoma, WA | 154 | $ 37,875,000 | $ 245,941 | $ 107,000 |
| Oklahoma City, OK | 153 | $ 23,416,000 | $ 153,045 | $ 88,000 |
| Colorado Springs, CO | 152 | $ 36,123,000 | $ 237,651 | $ 113,000 |
| Wilmington, NC | 152 | $ 28,609,000 | $ 188,217 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 149 | $ 51,577,000 | $ 346,154 | $ 141,000 |
| Albuquerque, NM | 145 | $ 27,600,000 | $ 190,344 | $ 96,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 139 | $ 28,256,000 | $ 203,280 | $ 106,086 |
| Albany-Schenectady-Troy, NY | 135 | $ 21,845,000 | $ 161,814 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 135 | $ 26,053,000 | $ 192,985 | $ 105,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 134 | $ 35,164,000 | $ 262,417 | $ 137,000 |
| Cincinnati-Middletown, OH-KY-IN | 132 | $ 20,665,000 | $ 156,553 | $ 90,303 |
| Gulfport-Biloxi, MS | 129 | $ 13,455,000 | $ 104,302 | $ 75,000 |
| Newark-Union, NJ-PA | 128 | $ 37,902,000 | $ 296,109 | $ 155,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 127 | $ 22,880,000 | $ 180,157 | $ 109,000 |
| Nassau-Suffolk, NY | 127 | $ 29,969,000 | $ 235,976 | $ 129,000 |
| Wilmington, DE-MD-NJ | 126 | $ 24,102,000 | $ 191,285 | $ 109,246 |
| Augusta-Richmond County, GA-SC | 123 | $ 17,750,000 | $ 144,308 | $ 87,317 |
| Boston-Quincy, MA | 123 | $ 33,355,000 | $ 271,178 | $ 130,000 |
| Albany, GA | 119 | $ 13,330,000 | $ 112,016 | $ 84,000 |
| Columbus, OH | 118 | $ 16,867,000 | $ 142,940 | $ 90,000 |
| Tucson, AZ | 117 | $ 23,453,000 | $ 200,452 | $ 94,000 |
| Hanford-Corcoran, CA | 116 | $ 20,050,000 | $ 172,844 | $ 83,000 |
| Columbia, SC | 115 | $ 16,122,000 | $ 140,191 | $ 117,000 |
| Huntsville, AL | 115 | $ 24,029,000 | $ 208,947 | $ 119,000 |
| Hartford-West Hartford-East Hartford, CT | 106 | $ 20,922,000 | $ 197,377 | $ 107,000 |
| York-Hanover, PA | 99 | $ 16,806,000 | $ 169,757 | $ 98,000 |
| Hagerstown-Martinsburg, MD-WV | 98 | $ 19,105,000 | $ 194,948 | $ 99,744 |
| Louisville-Jefferson County, KY-IN | 98 | $ 13,966,000 | $ 142,510 | $ 92,928 |
| San Jose-Sunnyvale-Santa Clara, CA | 98 | $ 38,690,000 | $ 394,795 | $ 149,000 |
| Bakersfield, CA | 97 | $ 16,411,000 | $ 169,185 | $ 87,000 |
| Winchester, VA-WV | 96 | $ 19,662,000 | $ 204,812 | $ 97,166 |
| Deltona-Daytona Beach-Ormond Beach, FL | 94 | $ 14,658,000 | $ 155,936 | $ 80,000 |
| Savannah, GA | 93 | $ 14,033,000 | $ 150,892 | $ 89,000 |
| Warren-Troy-Farmington Hills, MI | 93 | $ 14,958,000 | $ 160,838 | $ 90,000 |
| Baton Rouge, LA | 91 | $ 12,694,000 | $ 139,494 | $ 93,000 |
| Birmingham-Hoover, AL | 91 | $ 13,175,000 | $ 144,780 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 88 | $ 16,155,000 | $ 183,579 | $ 91,000 |
| Harrisburg-Carlisle, PA | 86 | $ 17,010,000 | $ 197,790 | $ 129,000 |
| Cambridge-Newton-Framingham, MA | 85 | $ 25,436,000 | $ 299,247 | $ 145,000 |
| Indianapolis-Carmel, IN | 85 | $ 12,852,000 | $ 151,200 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 85 | $ 13,710,000 | $ 161,294 | $ 109,635 |
| Charlottesville, VA | 84 | $ 18,890,000 | $ 224,880 | $ 114,000 |
| Rockingham County-Strafford County, NH | 84 | $ 20,328,000 | $ 242,000 | $ 133,000 |
| Knoxville, TN | 82 | $ 14,926,000 | $ 182,024 | $ 103,000 |
| Bradenton-Sarasota-Venice, FL | 77 | $ 14,937,000 | $ 193,987 | $ 117,000 |
| Greenville-Mauldin-Easley, SC | 77 | $ 10,416,000 | $ 135,272 | $ 74,000 |
| Panama City-Lynn Haven, FL | 77 | $ 12,902,000 | $ 167,558 | $ 101,000 |
| Durham, NC | 74 | $ 17,685,000 | $ 238,986 | $ 118,000 |
| Lakeland-Winter Haven, FL | 71 | $ 10,839,000 | $ 152,661 | $ 80,000 |
| Greensboro-High Point, NC | 69 | $ 9,180,000 | $ 133,043 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 68 | $ 12,278,000 | $ 180,558 | $ 94,000 |
| Fayetteville, NC | 67 | $ 9,071,000 | $ 135,388 | $ 85,000 |
| Salinas, CA | 67 | $ 25,472,000 | $ 380,179 | $ 140,000 |
| San Francisco-San Mateo-Redwood City, CA | 65 | $ 30,217,000 | $ 464,876 | $ 208,000 |
| Peabody, MA | 64 | $ 20,035,000 | $ 313,046 | $ 123,000 |
| Salt Lake City, UT | 64 | $ 14,443,000 | $ 225,671 | $ 102,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 63 | $ 11,064,000 | $ 175,619 | $ 112,000 |
| Asheville, NC | 62 | $ 14,689,000 | $ 236,919 | $ 139,000 |
| Mobile, AL | 61 | $ 8,684,000 | $ 142,360 | $ 81,000 |
| Dayton, OH | 60 | $ 6,427,000 | $ 107,116 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 59 | $ 9,355,000 | $ 158,559 | $ 118,322 |
| El Paso, TX | 59 | $ 7,058,000 | $ 119,627 | $ 85,000 |
| Buffalo-Niagara Falls, NY | 58 | $ 6,165,000 | $ 106,293 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 57 | $ 11,105,000 | $ 194,824 | $ 130,000 |
| Detroit-Livonia-Dearborn, MI | 57 | $ 5,383,000 | $ 94,438 | $ 77,000 |
| New Haven-Milford, CT | 57 | $ 11,537,000 | $ 202,403 | $ 115,000 |
| Vallejo-Fairfield, CA | 57 | $ 12,900,000 | $ 226,315 | $ 112,000 |
| Bridgeport-Stamford-Norwalk, CT | 54 | $ 18,725,000 | $ 346,759 | $ 163,000 |
| Fort Walton Beach-Crestview-Destin, FL | 53 | $ 9,295,000 | $ 175,377 | $ 100,000 |
| Little Rock-North Little Rock-Conway, AR | 53 | $ 6,309,000 | $ 119,037 | $ 69,000 |
| Port St. Lucie, FL | 52 | $ 9,175,000 | $ 176,442 | $ 99,000 |
| Rochester, NY | 52 | $ 7,660,000 | $ 147,307 | $ 99,000 |
| Boise City-Nampa, ID | 51 | $ 9,218,000 | $ 180,745 | $ 98,000 |
| Roanoke, VA | 51 | $ 8,544,000 | $ 167,529 | $ 86,000 |
| Worcester, MA | 51 | $ 10,062,000 | $ 197,294 | $ 117,000 |
| Akron, OH | 50 | $ 9,391,000 | $ 187,820 | $ 86,000 |
| Killeen-Temple-Fort Hood, TX | 50 | $ 4,057,000 | $ 81,140 | $ 92,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 48 | $ 10,364,000 | $ 215,916 | $ 112,000 |
| Wichita, KS | 48 | $ 6,675,000 | $ 139,062 | $ 86,000 |
| Anchorage, AK | 47 | $ 13,490,000 | $ 287,021 | $ 126,000 |
| Brunswick, GA | 47 | $ 7,537,000 | $ 160,361 | $ 93,000 |
| Ocala, FL | 47 | $ 7,235,000 | $ 153,936 | $ 87,000 |
| Tulsa, OK | 47 | $ 5,508,000 | $ 117,191 | $ 74,000 |
| Fresno, CA | 46 | $ 9,197,000 | $ 199,934 | $ 101,000 |
| Mount Vernon-Anacortes, WA | 46 | $ 11,768,000 | $ 255,826 | $ 107,000 |
| Clarksville, TN-KY | 44 | $ 5,458,000 | $ 124,045 | $ 81,545 |
| Jackson, MS | 44 | $ 6,249,000 | $ 142,022 | $ 90,000 |
| Tallahassee, FL | 44 | $ 6,468,000 | $ 147,000 | $ 88,000 |
| Chattanooga, TN-GA | 43 | $ 6,907,000 | $ 160,627 | $ 86,372 |
| Lynchburg, VA | 43 | $ 8,250,000 | $ 191,860 | $ 125,000 |
| Springfield, MA | 43 | $ 8,270,000 | $ 192,325 | $ 100,000 |
| Barnstable Town, MA | 42 | $ 10,639,000 | $ 253,309 | $ 134,000 |
| Manchester-Nashua, NH | 41 | $ 9,818,000 | $ 239,463 | $ 121,000 |
| Ogden-Clearfield, UT | 41 | $ 9,669,000 | $ 235,829 | $ 99,000 |
| Winston-Salem, NC | 41 | $ 5,092,000 | $ 124,195 | $ 111,000 |
| Dover, DE | 40 | $ 7,410,000 | $ 185,250 | $ 80,000 |
| Olympia, WA | 40 | $ 8,693,000 | $ 217,325 | $ 106,000 |
| Athens-Clarke County, GA | 39 | $ 6,575,000 | $ 168,589 | $ 90,000 |
| Pascagoula, MS | 38 | $ 5,180,000 | $ 136,315 | $ 99,000 |
| Scranton--Wilkes-Barre, PA | 38 | $ 3,586,000 | $ 94,368 | $ 75,000 |
| Boulder, CO | 37 | $ 11,346,000 | $ 306,648 | $ 150,000 |
| Columbus, GA-AL | 35 | $ 5,389,000 | $ 153,971 | $ 80,400 |
| Fayetteville-Springdale-Rogers, AR-MO | 35 | $ 5,814,000 | $ 166,114 | $ 85,000 |
| Gainesville, FL | 35 | $ 4,916,000 | $ 140,457 | $ 98,000 |
| Montgomery, AL | 35 | $ 3,813,000 | $ 108,942 | $ 96,000 |
| Gary, IN | 33 | $ 4,575,000 | $ 138,636 | $ 75,000 |
| Atlantic City-Hammonton, NJ | 32 | $ 6,084,000 | $ 190,125 | $ 105,000 |
| Spokane, WA | 32 | $ 7,039,000 | $ 219,968 | $ 93,000 |
| Davenport-Moline-Rock Island, IA-IL | 31 | $ 4,329,000 | $ 139,645 | $ 77,870 |
| Palm Coast, FL | 31 | $ 4,575,000 | $ 147,580 | $ 78,000 |
| Syracuse, NY | 31 | $ 4,680,000 | $ 150,967 | $ 92,000 |
| Blacksburg-Christiansburg-Radford, VA | 30 | $ 4,874,000 | $ 162,466 | $ 113,000 |
| Fort Collins-Loveland, CO | 30 | $ 6,940,000 | $ 231,333 | $ 96,000 |
| Hickory-Lenoir-Morganton, NC | 30 | $ 3,956,000 | $ 131,866 | $ 91,000 |
| Lawton, OK | 30 | $ 3,431,000 | $ 114,366 | $ 72,000 |
| Madison, WI | 30 | $ 5,911,000 | $ 197,033 | $ 98,000 |
| Naples-Marco Island, FL | 30 | $ 7,527,000 | $ 250,900 | $ 152,000 |
| Ocean City, NJ | 30 | $ 8,507,000 | $ 283,566 | $ 141,000 |
| Prescott, AZ | 30 | $ 5,345,000 | $ 178,166 | $ 84,000 |
| Rocky Mount, NC | 30 | $ 4,141,000 | $ 138,033 | $ 93,000 |
| Salisbury, MD | 30 | $ 5,247,000 | $ 174,900 | $ 83,000 |
| Macon, GA | 29 | $ 2,786,000 | $ 96,068 | $ 86,000 |
| Reading, PA | 29 | $ 3,544,000 | $ 122,206 | $ 71,000 |
| Bloomington, IN | 28 | $ 3,924,000 | $ 140,142 | $ 97,000 |
| Las Cruces, NM | 28 | $ 5,051,000 | $ 180,392 | $ 96,000 |
| Spartanburg, SC | 28 | $ 3,657,000 | $ 130,607 | $ 74,000 |
| Springfield, MO | 28 | $ 3,002,000 | $ 107,214 | $ 58,000 |
| Bangor, ME | 27 | $ 3,269,000 | $ 121,074 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 27 | $ 3,615,000 | $ 133,888 | $ 83,000 |
| Kennewick-Pasco-Richland, WA | 27 | $ 5,050,000 | $ 187,037 | $ 114,000 |
| Kingsport-Bristol-Bristol, TN-VA | 27 | $ 2,628,000 | $ 97,333 | $ 65,777 |
| Brownsville-Harlingen, TX | 26 | $ 2,308,000 | $ 88,769 | $ 105,000 |
| Lewiston-Auburn, ME | 26 | $ 3,371,000 | $ 129,653 | $ 67,000 |
| Reno-Sparks, NV | 26 | $ 6,907,000 | $ 265,653 | $ 116,000 |
| Salem, OR | 26 | $ 6,267,000 | $ 241,038 | $ 109,000 |
| Warner Robins, GA | 26 | $ 3,496,000 | $ 134,461 | $ 77,000 |
| Youngstown-Warren-Boardman, OH-PA | 26 | $ 3,031,000 | $ 116,576 | $ 98,423 |
| Bellingham, WA | 25 | $ 5,844,000 | $ 233,760 | $ 99,000 |
| Greenville, NC | 25 | $ 3,579,000 | $ 143,160 | $ 100,000 |
| Johnson City, TN | 25 | $ 3,470,000 | $ 138,800 | $ 74,000 |
| Lexington-Fayette, KY | 25 | $ 4,857,000 | $ 194,280 | $ 103,000 |
| Rockford, IL | 25 | $ 2,930,000 | $ 117,200 | $ 99,000 |
| Stockton, CA | 25 | $ 5,256,000 | $ 210,240 | $ 103,000 |
| Lancaster, PA | 24 | $ 4,069,000 | $ 169,541 | $ 95,000 |
| Modesto, CA | 23 | $ 4,121,000 | $ 179,173 | $ 91,000 |
| Anderson, SC | 22 | $ 2,836,000 | $ 128,909 | $ 91,000 |
| Beaumont-Port Arthur, TX | 22 | $ 2,753,000 | $ 125,136 | $ 89,000 |
| Fort Wayne, IN | 22 | $ 4,013,000 | $ 182,409 | $ 105,000 |
| Greeley, CO | 22 | $ 3,908,000 | $ 177,636 | $ 96,000 |
| Lake Havasu City-Kingman, AZ | 22 | $ 2,868,000 | $ 130,363 | $ 73,000 |
| College Station-Bryan, TX | 21 | $ 3,353,000 | $ 159,666 | $ 133,000 |
| Eugene-Springfield, OR | 21 | $ 3,228,000 | $ 153,714 | $ 101,000 |
| McAllen-Edinburg-Mission, TX | 21 | $ 1,565,000 | $ 74,523 | $ 112,000 |
| Monroe, LA | 21 | $ 1,069,000 | $ 50,904 | $ 76,000 |
| Punta Gorda, FL | 21 | $ 3,973,000 | $ 189,190 | $ 103,000 |
| Santa Rosa-Petaluma, CA | 21 | $ 8,837,000 | $ 420,809 | $ 175,000 |
| Shreveport-Bossier City, LA | 21 | $ 2,757,000 | $ 131,285 | $ 75,000 |
| Tuscaloosa, AL | 21 | $ 2,825,000 | $ 134,523 | $ 95,000 |
| Auburn-Opelika, AL | 20 | $ 2,425,000 | $ 121,250 | $ 65,000 |
| Canton-Massillon, OH | 20 | $ 2,078,000 | $ 103,900 | $ 78,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 20 | $ 6,361,000 | $ 318,050 | $ 123,000 |
| South Bend-Mishawaka, IN-MI | 20 | $ 2,402,000 | $ 120,100 | $ 92,700 |
| Visalia-Porterville, CA | 20 | $ 3,119,000 | $ 155,950 | $ 97,000 |
| Waco, TX | 20 | $ 2,541,000 | $ 127,050 | $ 112,000 |
| Burlington-South Burlington, VT | 19 | $ 3,176,000 | $ 167,157 | $ 104,000 |
| El Centro, CA | 19 | $ 2,800,000 | $ 147,368 | $ 76,000 |
| Lafayette, LA | 18 | $ 3,558,000 | $ 197,666 | $ 112,000 |
| Peoria, IL | 18 | $ 1,963,000 | $ 109,055 | $ 90,000 |
| Provo-Orem, UT | 18 | $ 3,522,000 | $ 195,666 | $ 89,000 |
| Cedar Rapids, IA | 17 | $ 2,145,000 | $ 126,176 | $ 71,000 |
| Des Moines-West Des Moines, IA | 17 | $ 2,751,000 | $ 161,823 | $ 96,000 |
| Gainesville, GA | 17 | $ 3,639,000 | $ 214,058 | $ 99,000 |
| Glens Falls, NY | 17 | $ 2,100,000 | $ 123,529 | $ 95,000 |
| Idaho Falls, ID | 17 | $ 3,241,000 | $ 190,647 | $ 112,000 |
| Lincoln, NE | 17 | $ 1,938,000 | $ 114,000 | $ 78,000 |
| Niles-Benton Harbor, MI | 17 | $ 2,041,000 | $ 120,058 | $ 88,000 |
| San Luis Obispo-Paso Robles, CA | 17 | $ 4,864,000 | $ 286,117 | $ 95,000 |
| Trenton-Ewing, NJ | 17 | $ 3,657,000 | $ 215,117 | $ 139,000 |
| Abilene, TX | 16 | $ 2,241,000 | $ 140,062 | $ 75,000 |
| Cumberland, MD-WV | 16 | $ 1,996,000 | $ 124,750 | $ 124,000 |
| Harrisonburg, VA | 16 | $ 3,569,000 | $ 223,062 | $ 93,000 |
| Kalamazoo-Portage, MI | 16 | $ 1,985,000 | $ 124,062 | $ 84,000 |
| State College, PA | 16 | $ 3,120,000 | $ 195,000 | $ 107,000 |
| Erie, PA | 15 | $ 957,000 | $ 63,800 | $ 131,000 |
| Flagstaff, AZ | 15 | $ 3,326,000 | $ 221,733 | $ 101,000 |
| Green Bay, WI | 15 | $ 2,185,000 | $ 145,666 | $ 93,000 |
| Morgantown, WV | 15 | $ 2,355,000 | $ 157,000 | $ 140,000 |
| Yakima, WA | 15 | $ 1,811,000 | $ 120,733 | $ 121,000 |
| Altoona, PA | 14 | $ 1,037,000 | $ 74,071 | $ 53,000 |
| Ann Arbor, MI | 14 | $ 3,040,000 | $ 217,142 | $ 101,000 |
| Charleston, WV | 14 | $ 1,376,000 | $ 98,285 | $ 86,000 |
| Danville, VA | 14 | $ 1,537,000 | $ 109,785 | $ 67,000 |
| Florence, SC | 14 | $ 1,293,000 | $ 92,357 | $ 79,000 |
| Laredo, TX | 14 | $ 1,248,000 | $ 89,142 | $ 61,000 |
| Santa Fe, NM | 14 | $ 4,499,000 | $ 321,357 | $ 97,000 |
| Valdosta, GA | 14 | $ 2,316,000 | $ 165,428 | $ 79,000 |
| Binghamton, NY | 13 | $ 2,174,000 | $ 167,230 | $ 92,000 |
| Chico, CA | 13 | $ 3,575,000 | $ 275,000 | $ 99,000 |
| Dothan, AL | 13 | $ 1,502,000 | $ 115,538 | $ 96,000 |
| Hinesville-Fort Stewart, GA | 13 | $ 1,057,000 | $ 81,307 | $ 67,000 |
| Johnstown, PA | 13 | $ 1,256,000 | $ 96,615 | $ 94,000 |
| Lansing-East Lansing, MI | 13 | $ 1,614,000 | $ 124,153 | $ 80,000 |
| Pittsfield, MA | 13 | $ 2,565,000 | $ 197,307 | $ 154,000 |
| Pueblo, CO | 13 | $ 2,081,000 | $ 160,076 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 4,367,000 | $ 335,923 | $ 163,000 |
| Sebastian-Vero Beach, FL | 13 | $ 2,080,000 | $ 160,000 | $ 93,000 |
| Sumter, SC | 13 | $ 905,000 | $ 69,615 | $ 97,000 |
| Wheeling, WV-OH | 13 | $ 1,572,000 | $ 120,923 | $ 80,076 |
| Bend, OR | 12 | $ 2,897,000 | $ 241,416 | $ 120,000 |
| Burlington, NC | 12 | $ 1,716,000 | $ 143,000 | $ 62,000 |
| Coeur D'Alene, ID | 12 | $ 2,472,000 | $ 206,000 | $ 91,000 |
| Fort Smith, AR-OK | 12 | $ 1,382,000 | $ 115,166 | $ 76,500 |
| Houma-Bayou Cane-Thibodaux, LA | 12 | $ 1,447,000 | $ 120,583 | $ 87,000 |
| Lawrence, KS | 12 | $ 2,139,000 | $ 178,250 | $ 96,000 |
| Morristown, TN | 12 | $ 1,720,000 | $ 143,333 | $ 74,000 |
| Rapid City, SD | 12 | $ 1,978,000 | $ 164,833 | $ 83,000 |
| San Angelo, TX | 12 | $ 1,377,000 | $ 114,750 | $ 68,000 |
| Sioux Falls, SD | 12 | $ 1,238,000 | $ 103,166 | $ 114,000 |
| Toledo, OH | 12 | $ 1,765,000 | $ 147,083 | $ 77,000 |
| Wenatchee, WA | 12 | $ 2,284,000 | $ 190,333 | $ 106,000 |
| Battle Creek, MI | 11 | $ 1,324,000 | $ 120,363 | $ 98,000 |
| Bloomington-Normal, IL | 11 | $ 1,333,000 | $ 121,181 | $ 73,000 |
| Farmington, NM | 11 | $ 2,046,000 | $ 186,000 | $ 78,000 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 974,000 | $ 88,545 | $ 60,636 |
| Jefferson City, MO | 11 | $ 1,409,000 | $ 128,090 | $ 80,000 |
| Lake Charles, LA | 11 | $ 1,802,000 | $ 163,818 | $ 123,000 |
| Lebanon, PA | 11 | $ 1,682,000 | $ 152,909 | $ 108,000 |
| Racine, WI | 11 | $ 1,288,000 | $ 117,090 | $ 87,000 |
| Springfield, IL | 11 | $ 1,739,000 | $ 158,090 | $ 100,000 |
| Tyler, TX | 11 | $ 2,083,000 | $ 189,363 | $ 91,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,302,000 | $ 118,363 | $ 90,000 |
| Wichita Falls, TX | 11 | $ 1,051,000 | $ 95,545 | $ 52,000 |
| Champaign-Urbana, IL | 10 | $ 1,696,000 | $ 169,600 | $ 91,000 |
| Elizabethtown, KY | 10 | $ 1,910,000 | $ 191,000 | $ 85,000 |
| Flint, MI | 10 | $ 1,374,000 | $ 137,400 | $ 69,000 |
| Hattiesburg, MS | 10 | $ 1,222,000 | $ 122,200 | $ 102,000 |
| Medford, OR | 10 | $ 1,820,000 | $ 182,000 | $ 96,000 |
| Midland, TX | 10 | $ 1,543,000 | $ 154,300 | $ 116,000 |
| Monroe, MI | 10 | $ 1,256,000 | $ 125,600 | $ 91,000 |
| Napa, CA | 10 | $ 3,608,000 | $ 360,800 | $ 157,000 |
| San Juan-Caguas-Guaynabo, PR | 10 | $ 155,000 | $ 15,500 | $ 42,000 |
| Terre Haute, IN | 10 | $ 1,440,000 | $ 144,000 | $ 111,000 |
| Utica-Rome, NY | 10 | $ 743,000 | $ 74,300 | $ 92,000 |
| Amarillo, TX | 9 | $ 778,000 | $ 86,444 | $ 63,000 |
| Cheyenne, WY | 9 | $ 1,078,000 | $ 119,777 | $ 58,000 |
| Florence-Muscle Shoals, AL | 9 | $ 626,000 | $ 69,555 | $ 67,000 |
| Grand Junction, CO | 9 | $ 2,111,000 | $ 234,555 | $ 98,000 |
| Lubbock, TX | 9 | $ 1,679,000 | $ 186,555 | $ 114,000 |
| Missoula, MT | 9 | $ 1,890,000 | $ 210,000 | $ 105,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 815,000 | $ 90,555 | $ 43,666 |
| Redding, CA | 9 | $ 1,626,000 | $ 180,666 | $ 86,000 |
| Victoria, TX | 9 | $ 1,480,000 | $ 164,444 | $ 102,000 |
| Billings, MT | 8 | $ 2,061,000 | $ 257,625 | $ 75,000 |
| Cleveland, TN | 8 | $ 635,000 | $ 79,375 | $ 66,000 |
| Columbia, MO | 8 | $ 1,652,000 | $ 206,500 | $ 87,000 |
| Decatur, AL | 8 | $ 1,672,000 | $ 209,000 | $ 98,000 |
| Duluth, MN-WI | 8 | $ 1,291,000 | $ 161,375 | $ 91,000 |
| Evansville, IN-KY | 8 | $ 1,137,000 | $ 142,125 | $ 76,875 |
| Goldsboro, NC | 8 | $ 921,000 | $ 115,125 | $ 57,000 |
| Jackson, MI | 8 | $ 1,191,000 | $ 148,875 | $ 74,000 |
| Longview, TX | 8 | $ 825,000 | $ 103,125 | $ 77,000 |
| Owensboro, KY | 8 | $ 596,000 | $ 74,500 | $ 90,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 628,000 | $ 78,500 | $ 53,000 |
| Williamsport, PA | 8 | $ 1,117,000 | $ 139,625 | $ 51,000 |
| Appleton, WI | 7 | $ 916,000 | $ 130,857 | $ 90,000 |
| Carson City, NV | 7 | $ 1,062,000 | $ 151,714 | $ 67,000 |
| Casper, WY | 7 | $ 1,393,000 | $ 199,000 | $ 121,000 |
| Dubuque, IA | 7 | $ 595,000 | $ 85,000 | $ 58,000 |
| Elkhart-Goshen, IN | 7 | $ 1,508,000 | $ 215,428 | $ 83,000 |
| Fairbanks, AK | 7 | $ 1,515,000 | $ 216,428 | $ 88,000 |
| Joplin, MO | 7 | $ 604,000 | $ 86,285 | $ 92,000 |
| Kingston, NY | 7 | $ 1,521,000 | $ 217,285 | $ 66,000 |
| Lafayette, IN | 7 | $ 933,000 | $ 133,285 | $ 76,000 |
| Muskegon-Norton Shores, MI | 7 | $ 718,000 | $ 102,571 | $ 75,000 |
| Rochester, MN | 7 | $ 1,761,000 | $ 251,571 | $ 108,000 |
| St. George, UT | 7 | $ 1,289,000 | $ 184,142 | $ 91,000 |
| Topeka, KS | 7 | $ 1,020,000 | $ 145,714 | $ 76,000 |
| Alexandria, LA | 6 | $ 330,000 | $ 55,000 | $ 57,000 |
| Anniston-Oxford, AL | 6 | $ 689,000 | $ 114,833 | $ 79,000 |
| Bay City, MI | 6 | $ 618,000 | $ 103,000 | $ 73,000 |
| Elmira, NY | 6 | $ 910,000 | $ 151,666 | $ 85,000 |
| Fajardo, PR | 6 | $ 41,000 | $ 6,833 | $ 31,000 |
| Holland-Grand Haven, MI | 6 | $ 794,000 | $ 132,333 | $ 71,000 |
| Hot Springs, AR | 6 | $ 700,000 | $ 116,666 | $ 123,000 |
| Merced, CA | 6 | $ 813,000 | $ 135,500 | $ 80,000 |
| Odessa, TX | 6 | $ 270,000 | $ 45,000 | $ 107,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 616,000 | $ 102,666 | $ 83,000 |
| Wausau, WI | 6 | $ 678,000 | $ 113,000 | $ 90,000 |
| Bowling Green, KY | 5 | $ 329,000 | $ 65,800 | $ 84,000 |
| Columbus, IN | 5 | $ 1,149,000 | $ 229,800 | $ 121,000 |
| Corvallis, OR | 5 | $ 1,337,000 | $ 267,400 | $ 90,000 |
| Decatur, IL | 5 | $ 359,000 | $ 71,800 | $ 75,000 |
| Eau Claire, WI | 5 | $ 367,000 | $ 73,400 | $ 50,000 |
| Fargo, ND-MN | 5 | $ 506,000 | $ 101,200 | $ 49,800 |
| Great Falls, MT | 5 | $ 447,000 | $ 89,400 | $ 65,000 |
| Iowa City, IA | 5 | $ 620,000 | $ 124,000 | $ 66,000 |
| Ithaca, NY | 5 | $ 847,000 | $ 169,400 | $ 80,000 |
| Kankakee-Bradley, IL | 5 | $ 347,000 | $ 69,400 | $ 89,000 |
| Rome, GA | 5 | $ 836,000 | $ 167,200 | $ 87,000 |
| Fond Du Lac, WI | 4 | $ 541,000 | $ 135,250 | $ 83,000 |
| Jackson, TN | 4 | $ 629,000 | $ 157,250 | $ 145,000 |
| Janesville, WI | 4 | $ 583,000 | $ 145,750 | $ 98,000 |
| Jonesboro, AR | 4 | $ 653,000 | $ 163,250 | $ 79,000 |
| La Crosse, WI-MN | 4 | $ 480,000 | $ 120,000 | $ 83,750 |
| Pocatello, ID | 4 | $ 700,000 | $ 175,000 | $ 112,000 |
| Sherman-Denison, TX | 4 | $ 680,000 | $ 170,000 | $ 99,000 |
| St. Cloud, MN | 4 | $ 509,000 | $ 127,250 | $ 78,000 |
| St. Joseph, MO-KS | 4 | $ 251,000 | $ 62,750 | $ 83,000 |
| Yuba City, CA | 4 | $ 663,000 | $ 165,750 | $ 66,000 |
| Ames, IA | 3 | $ 464,000 | $ 154,666 | $ 61,000 |
| Anderson, IN | 3 | $ 263,000 | $ 87,666 | $ 67,000 |
| Grand Forks, ND-MN | 3 | $ 470,000 | $ 156,666 | $ 67,333 |
| Lima, OH | 3 | $ 254,000 | $ 84,666 | $ 50,000 |
| Logan, UT-ID | 3 | $ 767,000 | $ 255,666 | $ 82,000 |
| Longview, WA | 3 | $ 809,000 | $ 269,666 | $ 146,000 |
| Madera, CA | 3 | $ 662,000 | $ 220,666 | $ 46,000 |
| Pine Bluff, AR | 3 | $ 241,000 | $ 80,333 | $ 73,000 |
| Sioux City, IA-NE-SD | 3 | $ 177,000 | $ 59,000 | $ 79,333 |
| Springfield, OH | 3 | $ 171,000 | $ 57,000 | $ 82,000 |
| Bismarck, ND | 2 | $ 380,000 | $ 190,000 | $ 102,000 |
| Danville, IL | 2 | $ 57,000 | $ 28,500 | $ 79,000 |
| Gadsden, AL | 2 | $ 337,000 | $ 168,500 | $ 55,000 |
| Lewiston, ID-WA | 2 | $ 186,000 | $ 93,000 | $ 63,000 |
| Oshkosh-Neenah, WI | 2 | $ 278,000 | $ 139,000 | $ 165,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 329,000 | $ 164,500 | $ 103,000 |
| Sandusky, OH | 2 | $ 180,000 | $ 90,000 | $ 71,000 |
| Sheboygan, WI | 2 | $ 370,000 | $ 185,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 234,000 | $ 117,000 | $ 46,000 |
| Aguadilla-Isabela-San Sebastian, PR | 1 | $ 8,000 | $ 8,000 | $ 20,000 |
| Dalton, GA | 1 | $ 170,000 | $ 170,000 | $ 140,000 |
| Kokomo, IN | 1 | $ 39,000 | $ 39,000 | $ 13,000 |
| Mansfield, OH | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Michigan City-La Porte, IN | 1 | $ 146,000 | $ 146,000 | $ 49,000 |
| Muncie, IN | 1 | $ 44,000 | $ 44,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Nfcu in 2008
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 | 37,499 | $8,317,701,000 | $221,000 | $2,000,000 | $107,000 | $3,354,000 |
| Home Purchase | 29,359 | $6,984,145,000 | $237,000 | $2,000,000 | $95,000 | $3,600,000 |
| Home Improvement | 6,131 | $106,843,000 | $17,000 | $183,000 | $84,000 | $1,397,000 |
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 | 38,596 | $8,302,220,000 | $215,000 | $2,000,000 | $105,000 | $3,600,000 |
| Not Provided | 16,739 | $3,644,890,000 | $217,000 | $2,000,000 | $102,000 | $1,800,000 |
| Black or African American | 8,671 | $1,485,825,000 | $171,000 | $1,520,000 | $85,000 | $1,800,000 |
| Hispanic | 4,304 | $818,431,000 | $190,000 | $1,600,000 | $88,000 | $1,733,000 |
| Asian | 3,320 | $873,016,000 | $262,000 | $1,800,000 | $100,000 | $1,400,000 |
| Native Hawaiian or Other Pacific Islander | 698 | $165,043,000 | $236,000 | $1,200,000 | $95,000 | $432,000 |
| American Indian or Alaskan Native | 661 | $119,264,000 | $180,000 | $1,200,000 | $94,000 | $2,448,000 |
| 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) | 66,211 | $13,903,909,000 | $209,000 | $2,000,000 | $103,000 | $3,600,000 |
| VA-guaranteed (Veterans Administration) | 6,511 | $1,436,033,000 | $220,000 | $730,000 | $81,000 | $1,353,000 |
| FHA-insured (Federal Housing Administration) | 267 | $68,747,000 | $257,000 | $729,000 | $88,000 | $307,000 |
| 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 | 30,769 | $5,971,668,000 | $194,000 | $2,000,000 | $104,000 | $1,470,000 |
| Application Withdrawn By Applicant | 21,285 | $5,147,312,000 | $241,000 | $2,000,000 | $107,000 | $3,600,000 |
| Preapproval Approved but not Accepted | 8,990 | $2,272,693,000 | $252,000 | $2,000,000 | $93,000 | $2,448,000 |
| Application Denied By Financial Institution | 5,876 | $734,674,000 | $125,000 | $2,000,000 | $83,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 3,893 | $762,049,000 | $195,000 | $2,000,000 | $73,000 | $1,084,000 |
| Application Approved But Not Accepted | 2,176 | $520,293,000 | $239,000 | $2,000,000 | $111,000 | $1,000,000 |
| 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 | 3,983 | $674,368,000 | $169,000 | $2,000,000 | $80,000 | $1,084,000 |
| Debt-To-Income Ratio | 3,102 | $568,943,000 | $183,000 | $2,000,000 | $71,000 | $950,000 |
| Other | 1,266 | $84,872,000 | $67,000 | $800,000 | $81,000 | $1,800,000 |
| Collateral | 1,096 | $106,193,000 | $96,000 | $1,275,000 | $91,000 | $776,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 154 | $30,400,000 | $197,000 | $1,000,000 | $87,000 | $500,000 |
| Employment History | 108 | $21,418,000 | $198,000 | $675,000 | $76,000 | $240,000 |
| Unverifiable Information | 55 | $9,487,000 | $172,000 | $800,000 | $133,000 | $736,000 |
| Credit Application Incomplete | 5 | $1,042,000 | $208,000 | $293,000 | $95,000 | $147,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2008 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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