Nfcu Mortgage Lending & HMDA Data, 2009
In 2009, Nfcu of Vienna, VA reported 72,846 mortgage applications totaling $15.6 billion, about the same as 2008. The average application was for $214,741, and applicants reported an average income of $103,781. 44% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (9,641), Virginia Beach-Norfolk-Newport News, VA-NC (6,277) and San Diego-Carlsbad-San Marcos, CA (2,929) (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 | 72,846 |
| Total Mortgage Loan Application Amount | $15,643,049,000 |
| Average Mortgage Loan Application Amount | $214,741 |
| Highest Mortgage Loan Application Amount | $2,240,000 |
| Average Applicant Income | $103,781 |
| Highest Applicant Income | $5,861,000 |
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Disclosure Act (HMDA) records Nfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 9,641 | $ 2,738,908,000 | $ 284,089 | $ 131,717 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6,277 | $ 1,201,748,000 | $ 191,452 | $ 94,372 |
| San Diego-Carlsbad-San Marcos, CA | 2,929 | $ 882,406,000 | $ 301,265 | $ 123,000 |
| Baltimore-Towson, MD | 1,835 | $ 517,132,000 | $ 281,815 | $ 126,000 |
| Jacksonville, FL | 1,801 | $ 273,829,000 | $ 152,042 | $ 89,000 |
| Bethesda-Frederick-Rockville, MD | 1,162 | $ 351,860,000 | $ 302,805 | $ 135,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,072 | $ 209,286,000 | $ 195,229 | $ 106,000 |
| Pensacola-Ferry Pass-Brent, FL | 941 | $ 127,590,000 | $ 135,589 | $ 79,000 |
| Jacksonville, NC | 909 | $ 116,235,000 | $ 127,871 | $ 78,000 |
| Honolulu, HI | 865 | $ 293,673,000 | $ 339,506 | $ 119,000 |
| Bremerton-Silverdale, WA | 799 | $ 160,760,000 | $ 201,201 | $ 100,000 |
| Riverside-San Bernardino-Ontario, CA | 749 | $ 141,901,000 | $ 189,453 | $ 93,000 |
| Philadelphia, PA | 724 | $ 148,000,000 | $ 204,419 | $ 111,000 |
| Charleston-North Charleston-Summerville, SC | 611 | $ 98,250,000 | $ 160,801 | $ 92,000 |
| Providence-New Bedford-Fall River, RI-MA | 605 | $ 137,644,000 | $ 227,510 | $ 114,502 |
| Seattle-Bellevue-Everett, WA | 544 | $ 161,420,000 | $ 296,727 | $ 125,000 |
| Camden, NJ | 477 | $ 79,306,000 | $ 166,259 | $ 101,000 |
| Orlando-Kissimmee, FL | 477 | $ 80,094,000 | $ 167,911 | $ 100,000 |
| Norwich-New London, CT | 459 | $ 83,905,000 | $ 182,799 | $ 99,000 |
| Richmond, VA | 443 | $ 89,898,000 | $ 202,930 | $ 104,000 |
| Houston-Sugar Land-Baytown, TX | 437 | $ 74,632,000 | $ 170,782 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 436 | $ 83,044,000 | $ 190,467 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 422 | $ 128,326,000 | $ 304,090 | $ 130,000 |
| San Antonio, TX | 402 | $ 67,396,000 | $ 167,651 | $ 110,000 |
| Memphis, TN-MS-AR | 381 | $ 59,597,000 | $ 156,422 | $ 96,070 |
| Phoenix-Mesa-Scottsdale, AZ | 381 | $ 77,176,000 | $ 202,561 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 368 | $ 131,528,000 | $ 357,413 | $ 135,000 |
| Denver-Aurora-Broomfield, CO | 355 | $ 81,133,000 | $ 228,543 | $ 110,000 |
| Fort Worth-Arlington, TX | 355 | $ 50,667,000 | $ 142,723 | $ 104,000 |
| New Orleans-Metairie-Kenner, LA | 344 | $ 49,175,000 | $ 142,950 | $ 90,000 |
| Dallas-Plano-Irving, TX | 311 | $ 55,162,000 | $ 177,369 | $ 113,000 |
| Chicago-Naperville-Joliet, IL | 298 | $ 63,837,000 | $ 214,218 | $ 106,000 |
| Las Vegas-Paradise, NV | 291 | $ 50,370,000 | $ 173,092 | $ 97,000 |
| Raleigh-Cary, NC | 277 | $ 54,225,000 | $ 195,758 | $ 102,000 |
| Charlotte-Gastonia-Concord, NC-SC | 276 | $ 57,479,000 | $ 208,257 | $ 107,115 |
| Portland-Vancouver-Beaverton, OR-WA | 253 | $ 57,864,000 | $ 228,711 | $ 99,577 |
| Cleveland-Elyria-Mentor, OH | 246 | $ 31,434,000 | $ 127,780 | $ 85,000 |
| New York-White Plains-Wayne, NY-NJ | 246 | $ 71,266,000 | $ 289,699 | $ 122,317 |
| Corpus Christi, TX | 240 | $ 28,184,000 | $ 117,433 | $ 89,000 |
| Edison-New Brunswick, NJ | 228 | $ 60,528,000 | $ 265,473 | $ 126,000 |
| Portland-South Portland-Biddeford, ME | 218 | $ 40,555,000 | $ 186,032 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 202 | $ 39,690,000 | $ 196,485 | $ 101,000 |
| Oklahoma City, OK | 200 | $ 28,946,000 | $ 144,730 | $ 84,000 |
| St. Louis, MO-IL | 200 | $ 35,806,000 | $ 179,030 | $ 102,100 |
| Colorado Springs, CO | 195 | $ 49,166,000 | $ 252,133 | $ 119,000 |
| Yuma, AZ | 190 | $ 28,221,000 | $ 148,531 | $ 80,000 |
| Pittsburgh, PA | 182 | $ 31,002,000 | $ 170,340 | $ 97,000 |
| Austin-Round Rock, TX | 176 | $ 33,814,000 | $ 192,125 | $ 121,000 |
| Augusta-Richmond County, GA-SC | 173 | $ 26,945,000 | $ 155,751 | $ 87,179 |
| Oxnard-Thousand Oaks-Ventura, CA | 171 | $ 52,157,000 | $ 305,011 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 162 | $ 33,452,000 | $ 206,493 | $ 107,000 |
| Oakland-Fremont-Hayward, CA | 161 | $ 57,314,000 | $ 355,987 | $ 143,000 |
| Tacoma, WA | 161 | $ 37,707,000 | $ 234,204 | $ 114,000 |
| Wilmington, NC | 158 | $ 30,149,000 | $ 190,816 | $ 109,000 |
| Gulfport-Biloxi, MS | 154 | $ 18,222,000 | $ 118,324 | $ 83,000 |
| Boston-Quincy, MA | 146 | $ 44,414,000 | $ 304,205 | $ 123,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 146 | $ 26,939,000 | $ 184,513 | $ 91,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 145 | $ 30,954,000 | $ 213,475 | $ 133,000 |
| Nassau-Suffolk, NY | 145 | $ 41,040,000 | $ 283,034 | $ 142,000 |
| Kansas City, MO-KS | 144 | $ 24,163,000 | $ 167,798 | $ 106,125 |
| Miami-Miami Beach-Kendall, FL | 144 | $ 29,810,000 | $ 207,013 | $ 129,000 |
| Columbia, SC | 141 | $ 20,884,000 | $ 148,113 | $ 99,000 |
| Newark-Union, NJ-PA | 138 | $ 40,442,000 | $ 293,057 | $ 147,913 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 127 | $ 31,309,000 | $ 246,527 | $ 109,275 |
| Sacramento--Arden-Arcade--Roseville, CA | 127 | $ 37,492,000 | $ 295,212 | $ 126,000 |
| Palm Bay-Melbourne-Titusville, FL | 126 | $ 21,964,000 | $ 174,317 | $ 98,000 |
| Columbus, OH | 123 | $ 19,682,000 | $ 160,016 | $ 99,000 |
| Cincinnati-Middletown, OH-KY-IN | 121 | $ 18,972,000 | $ 156,793 | $ 100,247 |
| Indianapolis-Carmel, IN | 121 | $ 20,904,000 | $ 172,760 | $ 101,000 |
| Tucson, AZ | 120 | $ 25,490,000 | $ 212,416 | $ 97,000 |
| Wilmington, DE-MD-NJ | 120 | $ 24,066,000 | $ 200,550 | $ 101,650 |
| Hanford-Corcoran, CA | 119 | $ 21,010,000 | $ 176,554 | $ 93,000 |
| Omaha-Council Bluffs, NE-IA | 118 | $ 19,331,000 | $ 163,822 | $ 111,135 |
| Albuquerque, NM | 115 | $ 23,635,000 | $ 205,521 | $ 105,000 |
| Louisville-Jefferson County, KY-IN | 115 | $ 19,647,000 | $ 170,843 | $ 96,000 |
| Albany-Schenectady-Troy, NY | 114 | $ 19,718,000 | $ 172,964 | $ 87,000 |
| Cambridge-Newton-Framingham, MA | 106 | $ 32,857,000 | $ 309,971 | $ 132,000 |
| Bakersfield, CA | 103 | $ 18,900,000 | $ 183,495 | $ 99,000 |
| Charlottesville, VA | 102 | $ 27,007,000 | $ 264,774 | $ 121,000 |
| Warren-Troy-Farmington Hills, MI | 102 | $ 15,130,000 | $ 148,333 | $ 81,000 |
| Winchester, VA-WV | 102 | $ 19,849,000 | $ 194,598 | $ 89,470 |
| Fayetteville, NC | 101 | $ 14,036,000 | $ 138,970 | $ 86,000 |
| Durham-Chapel Hill, NC | 98 | $ 21,257,000 | $ 216,908 | $ 112,000 |
| Albany, GA | 97 | $ 12,482,000 | $ 128,680 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 96 | $ 12,987,000 | $ 135,281 | $ 73,000 |
| Huntsville, AL | 96 | $ 20,260,000 | $ 211,041 | $ 117,000 |
| Harrisburg-Carlisle, PA | 95 | $ 19,612,000 | $ 206,442 | $ 111,000 |
| York-Hanover, PA | 89 | $ 18,045,000 | $ 202,752 | $ 99,000 |
| Birmingham-Hoover, AL | 88 | $ 13,296,000 | $ 151,090 | $ 97,000 |
| Salinas, CA | 85 | $ 34,288,000 | $ 403,388 | $ 149,000 |
| Savannah, GA | 85 | $ 15,126,000 | $ 177,952 | $ 87,000 |
| Greenville-Mauldin-Easley, SC | 84 | $ 14,230,000 | $ 169,404 | $ 88,000 |
| Hagerstown-Martinsburg, MD-WV | 84 | $ 15,515,000 | $ 184,702 | $ 116,821 |
| Rockingham County-Strafford County, NH | 82 | $ 20,801,000 | $ 253,670 | $ 112,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 82 | $ 14,857,000 | $ 181,182 | $ 104,000 |
| Bradenton-Sarasota-Venice, FL | 81 | $ 17,928,000 | $ 221,333 | $ 114,000 |
| Knoxville, TN | 81 | $ 14,528,000 | $ 179,358 | $ 99,000 |
| El Paso, TX | 80 | $ 7,635,000 | $ 95,437 | $ 85,000 |
| San Francisco-San Mateo-Redwood City, CA | 80 | $ 41,467,000 | $ 518,337 | $ 185,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 77 | $ 34,667,000 | $ 450,220 | $ 154,000 |
| Mount Vernon-Anacortes, WA | 74 | $ 17,495,000 | $ 236,418 | $ 107,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 74 | $ 14,361,000 | $ 194,067 | $ 114,000 |
| New Haven-Milford, CT | 73 | $ 15,193,000 | $ 208,123 | $ 116,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 71 | $ 11,998,000 | $ 168,985 | $ 101,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 69 | $ 12,129,000 | $ 175,782 | $ 102,681 |
| Milwaukee-Waukesha-West Allis, WI | 69 | $ 12,529,000 | $ 181,579 | $ 107,000 |
| Baton Rouge, LA | 68 | $ 11,353,000 | $ 166,955 | $ 94,000 |
| Salt Lake City, UT | 68 | $ 16,857,000 | $ 247,897 | $ 107,000 |
| Mobile, AL | 65 | $ 10,832,000 | $ 166,646 | $ 93,000 |
| Tulsa, OK | 65 | $ 9,219,000 | $ 141,830 | $ 109,000 |
| Dayton, OH | 64 | $ 9,455,000 | $ 147,734 | $ 88,000 |
| Greensboro-High Point, NC | 63 | $ 9,832,000 | $ 156,063 | $ 96,000 |
| Lakeland-Winter Haven, FL | 63 | $ 7,123,000 | $ 113,063 | $ 81,000 |
| Boise City-Nampa, ID | 61 | $ 12,004,000 | $ 196,786 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 61 | $ 12,057,000 | $ 197,655 | $ 114,000 |
| Reno-Sparks, NV | 61 | $ 14,190,000 | $ 232,622 | $ 124,000 |
| Clarksville, TN-KY | 60 | $ 6,882,000 | $ 114,700 | $ 78,200 |
| Bridgeport-Stamford-Norwalk, CT | 59 | $ 24,934,000 | $ 422,610 | $ 188,000 |
| Lynchburg, VA | 59 | $ 11,873,000 | $ 201,237 | $ 125,000 |
| Ocala, FL | 59 | $ 8,132,000 | $ 137,830 | $ 82,000 |
| Spokane, WA | 59 | $ 10,984,000 | $ 186,169 | $ 88,000 |
| Worcester, MA | 59 | $ 11,773,000 | $ 199,542 | $ 102,000 |
| Little Rock-North Little Rock-Conway, AR | 57 | $ 7,882,000 | $ 138,280 | $ 82,000 |
| Asheville, NC | 56 | $ 11,079,000 | $ 197,839 | $ 98,000 |
| Peabody, MA | 56 | $ 14,810,000 | $ 264,464 | $ 128,000 |
| Barnstable Town, MA | 54 | $ 12,362,000 | $ 228,925 | $ 108,000 |
| Rochester, NY | 54 | $ 8,165,000 | $ 151,203 | $ 115,000 |
| Akron, OH | 53 | $ 8,047,000 | $ 151,830 | $ 86,000 |
| Montgomery, AL | 53 | $ 8,503,000 | $ 160,433 | $ 90,000 |
| Vallejo-Fairfield, CA | 51 | $ 12,359,000 | $ 242,333 | $ 107,000 |
| Chattanooga, TN-GA | 50 | $ 8,913,000 | $ 178,260 | $ 130,560 |
| Detroit-Livonia-Dearborn, MI | 50 | $ 5,979,000 | $ 119,580 | $ 93,000 |
| Roanoke, VA | 50 | $ 9,326,000 | $ 186,520 | $ 114,000 |
| Gainesville, FL | 49 | $ 7,921,000 | $ 161,653 | $ 93,000 |
| Buffalo-Niagara Falls, NY | 48 | $ 5,099,000 | $ 106,229 | $ 86,000 |
| Fort Walton Beach-Crestview-Destin, FL | 48 | $ 10,355,000 | $ 215,729 | $ 123,000 |
| Ogden-Clearfield, UT | 47 | $ 9,546,000 | $ 203,106 | $ 90,000 |
| Port St. Lucie, FL | 47 | $ 8,037,000 | $ 171,000 | $ 95,000 |
| Bellingham, WA | 45 | $ 9,568,000 | $ 212,622 | $ 97,000 |
| Killeen-Temple-Fort Hood, TX | 45 | $ 3,835,000 | $ 85,222 | $ 74,000 |
| Lancaster, PA | 45 | $ 7,155,000 | $ 159,000 | $ 99,000 |
| Olympia, WA | 45 | $ 9,508,000 | $ 211,288 | $ 94,000 |
| Syracuse, NY | 45 | $ 5,060,000 | $ 112,444 | $ 144,000 |
| Columbus, GA-AL | 44 | $ 6,866,000 | $ 156,045 | $ 87,727 |
| Tallahassee, FL | 44 | $ 8,241,000 | $ 187,295 | $ 103,000 |
| Pascagoula, MS | 43 | $ 4,907,000 | $ 114,116 | $ 80,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 42 | $ 4,826,000 | $ 114,904 | $ 75,000 |
| Winston-Salem, NC | 42 | $ 6,916,000 | $ 164,666 | $ 88,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 41 | $ 9,819,000 | $ 239,487 | $ 114,000 |
| Reading, PA | 41 | $ 6,354,000 | $ 154,975 | $ 94,000 |
| Athens-Clarke County, GA | 40 | $ 6,327,000 | $ 158,175 | $ 73,000 |
| Brunswick, GA | 40 | $ 8,756,000 | $ 218,900 | $ 101,000 |
| Springfield, MA | 40 | $ 8,022,000 | $ 200,550 | $ 83,000 |
| Boulder, CO | 39 | $ 11,168,000 | $ 286,358 | $ 136,000 |
| Dover, DE | 39 | $ 7,928,000 | $ 203,282 | $ 104,000 |
| Fort Collins-Loveland, CO | 39 | $ 8,089,000 | $ 207,410 | $ 90,000 |
| Manchester-Nashua, NH | 39 | $ 10,214,000 | $ 261,897 | $ 131,000 |
| Hickory-Lenoir-Morganton, NC | 38 | $ 7,878,000 | $ 207,315 | $ 102,000 |
| Wichita, KS | 38 | $ 5,552,000 | $ 146,105 | $ 106,000 |
| Palm Coast, FL | 37 | $ 5,363,000 | $ 144,945 | $ 72,000 |
| Anchorage, AK | 36 | $ 8,837,000 | $ 245,472 | $ 124,000 |
| Ocean City, NJ | 36 | $ 9,676,000 | $ 268,777 | $ 155,000 |
| Salem, OR | 36 | $ 8,727,000 | $ 242,416 | $ 109,000 |
| Fresno, CA | 35 | $ 7,139,000 | $ 203,971 | $ 125,000 |
| Jackson, MS | 35 | $ 5,266,000 | $ 150,457 | $ 93,000 |
| Atlantic City-Hammonton, NJ | 34 | $ 8,921,000 | $ 262,382 | $ 135,000 |
| Florence, SC | 34 | $ 3,953,000 | $ 116,264 | $ 116,000 |
| Lexington-Fayette, KY | 34 | $ 5,614,000 | $ 165,117 | $ 73,000 |
| Scranton--Wilkes-Barre, PA | 33 | $ 4,342,000 | $ 131,575 | $ 84,000 |
| Gary, IN | 31 | $ 5,456,000 | $ 176,000 | $ 75,000 |
| Lake Havasu City-Kingman, AZ | 31 | $ 3,870,000 | $ 124,838 | $ 104,000 |
| Lewiston-Auburn, ME | 31 | $ 3,971,000 | $ 128,096 | $ 70,000 |
| Trenton-Ewing, NJ | 31 | $ 9,239,000 | $ 298,032 | $ 142,000 |
| Blacksburg-Christiansburg-Radford, VA | 30 | $ 5,531,000 | $ 184,366 | $ 85,000 |
| Davenport-Moline-Rock Island, IA-IL | 30 | $ 3,874,000 | $ 129,133 | $ 94,500 |
| Hinesville-Fort Stewart, GA | 30 | $ 3,264,000 | $ 108,800 | $ 73,000 |
| Lafayette, LA | 30 | $ 4,972,000 | $ 165,733 | $ 96,000 |
| Naples-Marco Island, FL | 30 | $ 5,916,000 | $ 197,200 | $ 113,000 |
| Spartanburg, SC | 30 | $ 4,238,000 | $ 141,266 | $ 89,000 |
| Kingsport-Bristol-Bristol, TN-VA | 29 | $ 3,729,000 | $ 128,586 | $ 79,931 |
| Grand Rapids-Wyoming, MI | 27 | $ 3,179,000 | $ 117,740 | $ 73,000 |
| Harrisonburg, VA | 27 | $ 6,182,000 | $ 228,962 | $ 98,000 |
| Huntington-Ashland, WV-KY-OH | 27 | $ 2,867,000 | $ 106,185 | $ 114,296 |
| Springfield, MO | 27 | $ 4,101,000 | $ 151,888 | $ 79,000 |
| Toledo, OH | 27 | $ 2,960,000 | $ 109,629 | $ 92,000 |
| Warner Robins, GA | 27 | $ 4,481,000 | $ 165,962 | $ 77,000 |
| Las Cruces, NM | 25 | $ 4,741,000 | $ 189,640 | $ 97,000 |
| Madison, WI | 25 | $ 5,722,000 | $ 228,880 | $ 106,000 |
| Prescott, AZ | 25 | $ 5,455,000 | $ 218,200 | $ 96,000 |
| Punta Gorda, FL | 24 | $ 4,440,000 | $ 185,000 | $ 119,000 |
| Bloomington, IN | 23 | $ 4,702,000 | $ 204,434 | $ 98,000 |
| Burlington-South Burlington, VT | 23 | $ 4,522,000 | $ 196,608 | $ 122,000 |
| Eugene-Springfield, OR | 23 | $ 3,217,000 | $ 139,869 | $ 125,000 |
| Kennewick-Pasco-Richland, WA | 23 | $ 3,662,000 | $ 159,217 | $ 109,000 |
| Santa Rosa-Petaluma, CA | 23 | $ 6,918,000 | $ 300,782 | $ 115,000 |
| Bangor, ME | 22 | $ 3,673,000 | $ 166,954 | $ 102,000 |
| State College, PA | 22 | $ 3,887,000 | $ 176,681 | $ 106,000 |
| Bend, OR | 21 | $ 4,492,000 | $ 213,904 | $ 110,000 |
| Coeur D'Alene, ID | 21 | $ 3,497,000 | $ 166,523 | $ 98,000 |
| Gainesville, GA | 21 | $ 4,700,000 | $ 223,809 | $ 87,000 |
| Greeley, CO | 21 | $ 3,865,000 | $ 184,047 | $ 89,000 |
| Johnson City, TN | 21 | $ 3,285,000 | $ 156,428 | $ 89,000 |
| Lawton, OK | 21 | $ 1,588,000 | $ 75,619 | $ 67,000 |
| Rocky Mount, NC | 21 | $ 2,865,000 | $ 136,428 | $ 107,000 |
| Shreveport-Bossier City, LA | 21 | $ 3,045,000 | $ 145,000 | $ 113,000 |
| Stockton, CA | 21 | $ 3,231,000 | $ 153,857 | $ 122,000 |
| Des Moines-West Des Moines, IA | 20 | $ 2,782,000 | $ 139,100 | $ 90,000 |
| Dothan, AL | 20 | $ 2,677,000 | $ 133,850 | $ 87,000 |
| Salisbury, MD | 20 | $ 3,900,000 | $ 195,000 | $ 109,000 |
| Youngstown-Warren-Boardman, OH-PA | 20 | $ 2,770,000 | $ 138,500 | $ 93,700 |
| Santa Fe, NM | 19 | $ 6,520,000 | $ 343,157 | $ 154,000 |
| Waco, TX | 19 | $ 3,196,000 | $ 168,210 | $ 119,000 |
| College Station-Bryan, TX | 18 | $ 2,968,000 | $ 164,888 | $ 95,000 |
| El Centro, CA | 18 | $ 2,566,000 | $ 142,555 | $ 81,000 |
| Lansing-East Lansing, MI | 18 | $ 2,383,000 | $ 132,388 | $ 81,000 |
| San Luis Obispo-Paso Robles, CA | 18 | $ 7,888,000 | $ 438,222 | $ 162,000 |
| Visalia-Porterville, CA | 18 | $ 4,110,000 | $ 228,333 | $ 95,000 |
| Duluth, MN-WI | 17 | $ 2,582,000 | $ 151,882 | $ 95,000 |
| Provo-Orem, UT | 17 | $ 3,841,000 | $ 225,941 | $ 90,000 |
| Ann Arbor, MI | 16 | $ 4,143,000 | $ 258,937 | $ 111,000 |
| Glens Falls, NY | 16 | $ 2,108,000 | $ 131,750 | $ 75,000 |
| Green Bay, WI | 16 | $ 2,576,000 | $ 161,000 | $ 74,000 |
| Houma-Bayou Cane-Thibodaux, LA | 16 | $ 2,407,000 | $ 150,437 | $ 79,000 |
| McAllen-Edinburg-Mission, TX | 16 | $ 1,495,000 | $ 93,437 | $ 90,000 |
| Sebastian-Vero Beach, FL | 16 | $ 3,308,000 | $ 206,750 | $ 79,000 |
| Charleston, WV | 15 | $ 2,470,000 | $ 164,666 | $ 111,000 |
| Erie, PA | 15 | $ 1,814,000 | $ 120,933 | $ 63,000 |
| Fort Wayne, IN | 15 | $ 3,066,000 | $ 204,400 | $ 110,000 |
| Idaho Falls, ID | 15 | $ 2,820,000 | $ 188,000 | $ 109,000 |
| Macon, GA | 15 | $ 2,223,000 | $ 148,200 | $ 95,000 |
| Medford, OR | 15 | $ 3,056,000 | $ 203,733 | $ 79,000 |
| San Angelo, TX | 15 | $ 1,651,000 | $ 110,066 | $ 73,000 |
| Yakima, WA | 15 | $ 1,739,000 | $ 115,933 | $ 77,000 |
| Anderson, SC | 14 | $ 2,705,000 | $ 193,214 | $ 86,000 |
| Beaumont-Port Arthur, TX | 14 | $ 1,781,000 | $ 127,214 | $ 91,000 |
| Canton-Massillon, OH | 14 | $ 1,750,000 | $ 125,000 | $ 74,000 |
| Kalamazoo-Portage, MI | 14 | $ 1,881,000 | $ 134,357 | $ 77,000 |
| Lincoln, NE | 14 | $ 2,087,000 | $ 149,071 | $ 57,000 |
| Modesto, CA | 14 | $ 3,272,000 | $ 233,714 | $ 196,000 |
| Racine, WI | 14 | $ 2,395,000 | $ 171,071 | $ 80,000 |
| Utica-Rome, NY | 14 | $ 959,000 | $ 68,500 | $ 70,000 |
| Valdosta, GA | 14 | $ 1,736,000 | $ 124,000 | $ 61,000 |
| Auburn-Opelika, AL | 13 | $ 1,843,000 | $ 141,769 | $ 86,000 |
| Bloomington-Normal, IL | 13 | $ 1,805,000 | $ 138,846 | $ 79,000 |
| Corvallis, OR | 13 | $ 2,882,000 | $ 221,692 | $ 125,000 |
| Decatur, AL | 13 | $ 1,754,000 | $ 134,923 | $ 82,000 |
| Flagstaff, AZ | 13 | $ 3,045,000 | $ 234,230 | $ 85,000 |
| Goldsboro, NC | 13 | $ 1,319,000 | $ 101,461 | $ 66,000 |
| Greenville, NC | 13 | $ 2,172,000 | $ 167,076 | $ 74,000 |
| Hot Springs, AR | 13 | $ 1,817,000 | $ 139,769 | $ 68,000 |
| Joplin, MO | 13 | $ 1,429,000 | $ 109,923 | $ 49,000 |
| Laredo, TX | 13 | $ 1,831,000 | $ 140,846 | $ 79,000 |
| Monroe, LA | 13 | $ 1,163,000 | $ 89,461 | $ 83,000 |
| Pittsfield, MA | 13 | $ 2,273,000 | $ 174,846 | $ 91,000 |
| Redding, CA | 13 | $ 1,939,000 | $ 149,153 | $ 82,000 |
| Rockford, IL | 13 | $ 1,212,000 | $ 93,230 | $ 60,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 4,259,000 | $ 327,615 | $ 145,000 |
| Tyler, TX | 13 | $ 1,720,000 | $ 132,307 | $ 118,000 |
| Billings, MT | 12 | $ 1,701,000 | $ 141,750 | $ 78,000 |
| Burlington, NC | 12 | $ 1,617,000 | $ 134,750 | $ 62,000 |
| Cumberland, MD-WV | 12 | $ 1,547,000 | $ 128,916 | $ 99,166 |
| Evansville, IN-KY | 12 | $ 1,298,000 | $ 108,166 | $ 82,000 |
| Grand Junction, CO | 12 | $ 2,646,000 | $ 220,500 | $ 102,000 |
| Kingston, NY | 12 | $ 3,154,000 | $ 262,833 | $ 116,000 |
| Lake Charles, LA | 12 | $ 1,357,000 | $ 113,083 | $ 72,000 |
| Morristown, TN | 12 | $ 1,481,000 | $ 123,416 | $ 81,000 |
| Pueblo, CO | 12 | $ 1,700,000 | $ 141,666 | $ 84,000 |
| Sumter, SC | 12 | $ 1,376,000 | $ 114,666 | $ 82,000 |
| Tuscaloosa, AL | 12 | $ 2,069,000 | $ 172,416 | $ 74,000 |
| Wenatchee-East Wenatchee, WA | 12 | $ 2,543,000 | $ 211,916 | $ 93,000 |
| Appleton, WI | 11 | $ 2,064,000 | $ 187,636 | $ 118,000 |
| Binghamton, NY | 11 | $ 1,769,000 | $ 160,818 | $ 112,000 |
| Columbia, MO | 11 | $ 2,234,000 | $ 203,090 | $ 89,000 |
| Fargo, ND-MN | 11 | $ 1,797,000 | $ 163,363 | $ 123,909 |
| Lafayette, IN | 11 | $ 1,851,000 | $ 168,272 | $ 75,000 |
| Longview, TX | 11 | $ 598,000 | $ 54,363 | $ 64,000 |
| Missoula, MT | 11 | $ 1,815,000 | $ 165,000 | $ 77,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 11 | $ 1,277,000 | $ 116,090 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 1,923,000 | $ 174,818 | $ 117,090 |
| St. George, UT | 11 | $ 2,327,000 | $ 211,545 | $ 101,000 |
| Terre Haute, IN | 11 | $ 922,000 | $ 83,818 | $ 92,000 |
| Abilene, TX | 10 | $ 1,430,000 | $ 143,000 | $ 95,000 |
| Amarillo, TX | 10 | $ 1,145,000 | $ 114,500 | $ 86,000 |
| Brownsville-Harlingen, TX | 10 | $ 941,000 | $ 94,100 | $ 69,000 |
| Chico, CA | 10 | $ 2,013,000 | $ 201,300 | $ 133,000 |
| Jefferson City, MO | 10 | $ 1,224,000 | $ 122,400 | $ 71,000 |
| Johnstown, PA | 10 | $ 1,154,000 | $ 115,400 | $ 67,000 |
| Manhattan, KS | 10 | $ 1,080,000 | $ 108,000 | $ 98,000 |
| Peoria, IL | 10 | $ 2,119,000 | $ 211,900 | $ 118,000 |
| Sioux Falls, SD | 10 | $ 1,561,000 | $ 156,100 | $ 87,000 |
| St. Cloud, MN | 10 | $ 1,743,000 | $ 174,300 | $ 85,000 |
| Topeka, KS | 10 | $ 1,147,000 | $ 114,700 | $ 73,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 1,385,000 | $ 138,500 | $ 106,000 |
| Altoona, PA | 9 | $ 590,000 | $ 65,555 | $ 68,000 |
| Cedar Rapids, IA | 9 | $ 1,518,000 | $ 168,666 | $ 73,000 |
| Fairbanks, AK | 9 | $ 1,537,000 | $ 170,777 | $ 81,000 |
| Holland-Grand Haven, MI | 9 | $ 1,295,000 | $ 143,888 | $ 95,000 |
| Lawrence, KS | 9 | $ 1,800,000 | $ 200,000 | $ 104,000 |
| Lebanon, PA | 9 | $ 2,006,000 | $ 222,888 | $ 124,000 |
| Napa, CA | 9 | $ 2,236,000 | $ 248,444 | $ 116,000 |
| Pine Bluff, AR | 9 | $ 617,000 | $ 68,555 | $ 92,000 |
| Rochester, MN | 9 | $ 2,969,000 | $ 329,888 | $ 151,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 8,374,000 | $ 930,444 | $ 398,000 |
| Bowling Green, KY | 8 | $ 903,000 | $ 112,875 | $ 62,000 |
| Cheyenne, WY | 8 | $ 1,156,000 | $ 144,500 | $ 80,000 |
| Elkhart-Goshen, IN | 8 | $ 1,207,000 | $ 150,875 | $ 49,000 |
| Flint, MI | 8 | $ 679,000 | $ 84,875 | $ 69,000 |
| Fort Smith, AR-OK | 8 | $ 1,058,000 | $ 132,250 | $ 93,000 |
| Janesville, WI | 8 | $ 1,141,000 | $ 142,625 | $ 92,000 |
| Jonesboro, AR | 8 | $ 429,000 | $ 53,625 | $ 55,000 |
| La Crosse, WI-MN | 8 | $ 1,060,000 | $ 132,500 | $ 71,000 |
| Madera-Chowchilla, CA | 8 | $ 1,390,000 | $ 173,750 | $ 118,000 |
| Monroe, MI | 8 | $ 1,027,000 | $ 128,375 | $ 66,000 |
| Morgantown, WV | 8 | $ 1,031,000 | $ 128,875 | $ 86,000 |
| Wheeling, WV-OH | 8 | $ 2,023,000 | $ 252,875 | $ 184,250 |
| Wichita Falls, TX | 8 | $ 536,000 | $ 67,000 | $ 56,000 |
| Anniston-Oxford, AL | 7 | $ 745,000 | $ 106,428 | $ 72,000 |
| Champaign-Urbana, IL | 7 | $ 712,000 | $ 101,714 | $ 116,000 |
| Elizabethtown, KY | 7 | $ 847,000 | $ 121,000 | $ 73,000 |
| Jackson, MI | 7 | $ 997,000 | $ 142,428 | $ 63,000 |
| Kankakee-Bradley, IL | 7 | $ 774,000 | $ 110,571 | $ 91,000 |
| Longview, WA | 7 | $ 1,061,000 | $ 151,571 | $ 78,000 |
| Mankato-North Mankato, MN | 7 | $ 1,415,000 | $ 202,142 | $ 94,000 |
| Merced, CA | 7 | $ 1,102,000 | $ 157,428 | $ 74,000 |
| Niles-Benton Harbor, MI | 7 | $ 694,000 | $ 99,142 | $ 79,000 |
| Owensboro, KY | 7 | $ 770,000 | $ 110,000 | $ 59,000 |
| Sheboygan, WI | 7 | $ 940,000 | $ 134,285 | $ 69,000 |
| Victoria, TX | 7 | $ 1,558,000 | $ 222,571 | $ 305,000 |
| Wausau, WI | 7 | $ 1,025,000 | $ 146,428 | $ 110,000 |
| Weirton-Steubenville, WV-OH | 7 | $ 358,000 | $ 51,142 | $ 52,000 |
| Alexandria, LA | 6 | $ 720,000 | $ 120,000 | $ 99,000 |
| Danville, VA | 6 | $ 459,000 | $ 76,500 | $ 56,000 |
| Florence-Muscle Shoals, AL | 6 | $ 1,121,000 | $ 186,833 | $ 92,000 |
| Fond Du Lac, WI | 6 | $ 664,000 | $ 110,666 | $ 91,000 |
| Ithaca, NY | 6 | $ 890,000 | $ 148,333 | $ 114,000 |
| Lubbock, TX | 6 | $ 1,083,000 | $ 180,500 | $ 106,000 |
| Sherman-Denison, TX | 6 | $ 342,000 | $ 57,000 | $ 93,000 |
| Sioux City, IA-NE-SD | 6 | $ 584,000 | $ 97,333 | $ 63,500 |
| Springfield, OH | 6 | $ 632,000 | $ 105,333 | $ 60,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 554,000 | $ 92,333 | $ 84,166 |
| Williamsport, PA | 6 | $ 641,000 | $ 106,833 | $ 57,000 |
| Cape Girardeau-Jackson, MO-IL | 5 | $ 473,000 | $ 94,600 | $ 52,000 |
| Carson City, NV | 5 | $ 835,000 | $ 167,000 | $ 87,000 |
| Cleveland, TN | 5 | $ 624,000 | $ 124,800 | $ 86,000 |
| Decatur, IL | 5 | $ 251,000 | $ 50,200 | $ 90,000 |
| Eau Claire, WI | 5 | $ 560,000 | $ 112,000 | $ 87,000 |
| Farmington, NM | 5 | $ 772,000 | $ 154,400 | $ 85,000 |
| Michigan City-La Porte, IN | 5 | $ 562,000 | $ 112,400 | $ 76,000 |
| Sandusky, OH | 5 | $ 381,000 | $ 76,200 | $ 70,000 |
| Battle Creek, MI | 4 | $ 442,000 | $ 110,500 | $ 68,000 |
| Columbus, IN | 4 | $ 285,000 | $ 71,250 | $ 119,000 |
| Dalton, GA | 4 | $ 671,000 | $ 167,750 | $ 80,000 |
| Danville, IL | 4 | $ 533,000 | $ 133,250 | $ 91,000 |
| Dubuque, IA | 4 | $ 830,000 | $ 207,500 | $ 95,000 |
| Elmira, NY | 4 | $ 554,000 | $ 138,500 | $ 94,000 |
| Gadsden, AL | 4 | $ 309,000 | $ 77,250 | $ 75,000 |
| Hattiesburg, MS | 4 | $ 96,000 | $ 24,000 | $ 40,000 |
| Iowa City, IA | 4 | $ 677,000 | $ 169,250 | $ 130,000 |
| Midland, TX | 4 | $ 468,000 | $ 117,000 | $ 107,000 |
| Odessa, TX | 4 | $ 331,000 | $ 82,750 | $ 103,000 |
| Pocatello, ID | 4 | $ 473,000 | $ 118,250 | $ 93,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 504,000 | $ 126,000 | $ 98,000 |
| San Juan-Caguas-Guaynabo, PR | 4 | $ 43,000 | $ 10,750 | $ 60,000 |
| Springfield, IL | 4 | $ 512,000 | $ 128,000 | $ 88,000 |
| St. Joseph, MO-KS | 4 | $ 326,000 | $ 81,500 | $ 75,000 |
| Yuba City, CA | 4 | $ 976,000 | $ 244,000 | $ 73,000 |
| Ames, IA | 3 | $ 484,000 | $ 161,333 | $ 46,000 |
| Anderson, IN | 3 | $ 135,000 | $ 45,000 | $ 51,000 |
| Great Falls, MT | 3 | $ 511,000 | $ 170,333 | $ 85,000 |
| Lewiston, ID-WA | 3 | $ 329,000 | $ 109,666 | $ 55,666 |
| Lima, OH | 3 | $ 221,000 | $ 73,666 | $ 85,000 |
| Logan, UT-ID | 3 | $ 830,000 | $ 276,666 | $ 78,000 |
| Muskegon-Norton Shores, MI | 3 | $ 381,000 | $ 127,000 | $ 74,000 |
| Casper, WY | 2 | $ 557,000 | $ 278,500 | $ 91,000 |
| Jackson, TN | 2 | $ 619,000 | $ 309,500 | $ 116,000 |
| Mansfield, OH | 2 | $ 367,000 | $ 183,500 | $ 128,000 |
| Rapid City, SD | 2 | $ 435,000 | $ 217,500 | $ 41,000 |
| Rome, GA | 2 | $ 225,000 | $ 112,500 | $ 32,000 |
| Bay City, MI | 1 | $ 122,000 | $ 122,000 | $ 14,000 |
| Bismarck, ND | 1 | $ 163,000 | $ 163,000 | $ 85,000 |
| Fajardo, PR | 1 | $ 42,000 | $ 42,000 | $ 83,000 |
| Kokomo, IN | 1 | $ 140,000 | $ 140,000 | $ 82,000 |
| Muncie, IN | 1 | $ 4,000 | $ 4,000 | $ 48,000 |
| Oshkosh-Neenah, WI | 1 | $ 124,000 | $ 124,000 | $ 89,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 88,000 | $ 88,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Nfcu in 2009
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 | 46,612 | $10,892,798,000 | $233,000 | $2,000,000 | $112,000 | $5,861,000 |
| Home Purchase | 21,528 | $4,672,328,000 | $217,000 | $2,240,000 | $89,000 | $1,500,000 |
| Home Improvement | 4,706 | $77,923,000 | $16,000 | $300,000 | $90,000 | $1,120,000 |
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 | 40,952 | $8,917,387,000 | $217,000 | $2,240,000 | $110,000 | $2,912,000 |
| Not Provided | 16,147 | $3,629,618,000 | $224,000 | $2,000,000 | $99,000 | $1,650,000 |
| Black or African American | 7,329 | $1,279,075,000 | $174,000 | $1,210,000 | $88,000 | $5,861,000 |
| Hispanic | 4,060 | $775,520,000 | $191,000 | $1,800,000 | $87,000 | $1,800,000 |
| Asian | 3,153 | $792,567,000 | $251,000 | $1,500,000 | $104,000 | $1,068,000 |
| American Indian or Alaskan Native | 644 | $128,817,000 | $200,000 | $1,600,000 | $101,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 561 | $120,065,000 | $214,000 | $795,000 | $94,000 | $485,000 |
| 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) | 52,320 | $10,886,632,000 | $208,000 | $2,240,000 | $109,000 | $2,912,000 |
| VA-guaranteed (Veterans Administration) | 19,740 | $4,596,261,000 | $232,000 | $1,091,000 | $89,000 | $5,861,000 |
| FHA-insured (Federal Housing Administration) | 786 | $160,156,000 | $203,000 | $743,000 | $78,000 | $310,000 |
| 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 | 32,358 | $6,491,528,000 | $200,000 | $2,000,000 | $110,000 | $1,385,000 |
| Application Withdrawn By Applicant | 17,258 | $4,299,045,000 | $249,000 | $2,240,000 | $110,000 | $5,861,000 |
| Application Denied By Financial Institution | 8,928 | $1,810,578,000 | $202,000 | $2,000,000 | $96,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 8,395 | $1,578,599,000 | $188,000 | $1,700,000 | $71,000 | $1,452,000 |
| Preapproval Approved but not Accepted | 3,895 | $970,355,000 | $249,000 | $1,200,000 | $95,000 | $642,000 |
| Application Approved But Not Accepted | 2,012 | $492,944,000 | $245,000 | $1,600,000 | $118,000 | $735,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7,526 | $1,621,147,000 | $215,000 | $2,000,000 | $74,000 | $725,000 |
| Credit History | 5,911 | $1,036,961,000 | $175,000 | $1,708,000 | $81,000 | $1,250,000 |
| Collateral | 1,292 | $219,438,000 | $169,000 | $1,500,000 | $116,000 | $1,452,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,213 | $292,815,000 | $241,000 | $1,950,000 | $109,000 | $936,000 |
| Other | 552 | $40,966,000 | $74,000 | $1,000,000 | $92,000 | $1,800,000 |
| Unverifiable Information | 468 | $99,313,000 | $212,000 | $1,683,000 | $116,000 | $1,128,000 |
| Employment History | 264 | $54,608,000 | $206,000 | $1,160,000 | $74,000 | $350,000 |
| Credit Application Incomplete | 93 | $22,687,000 | $243,000 | $1,210,000 | $105,000 | $300,000 |
| Mortgage Insurance Denied | 4 | $1,242,000 | $310,000 | $572,000 | $132,000 | $159,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nfcu's 2009 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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