Nutmeg State FCU Mortgage Lending & HMDA Data, 2015
In 2015, Nutmeg State FCU of Rocky Hill, CT reported 329 mortgage applications totaling $29.8 million. The average application was for $90,480, and applicants reported an average income of $97,820. 50% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Hartford-West Hartford-East Hartford, CT (284), New Haven-Milford, CT (29) and Norwich-New London, CT (6) (applications in parentheses).
| Mortgage Company & Address | Nutmeg State FCU 521 Cromwell Ave Rocky Hill, CT 06067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 329 |
| Total Mortgage Loan Application Amount | $29,768,000 |
| Average Mortgage Loan Application Amount | $90,480 |
| Highest Mortgage Loan Application Amount | $498,000 |
| Average Applicant Income | $97,820 |
| Highest Applicant Income | $425,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nutmeg State FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hartford, Connecticut | 216 | $ 18,785,000 | $ 86,967 | $ 98,000 |
| Middlesex, Connecticut | 36 | $ 4,390,000 | $ 121,944 | $ 98,000 |
| Tolland, Connecticut | 32 | $ 2,404,000 | $ 75,125 | $ 99,000 |
| New Haven, Connecticut | 29 | $ 2,539,000 | $ 87,551 | $ 92,000 |
| New London, Connecticut | 6 | $ 739,000 | $ 123,166 | $ 64,000 |
| Litchfield, Connecticut | 5 | $ 251,000 | $ 50,200 | $ 109,000 |
| Windham, Connecticut | 3 | $ 200,000 | $ 66,666 | $ 122,000 |
| Fairfield, Connecticut | 2 | $ 460,000 | $ 230,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Nutmeg State FCU in 2015
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 | 166 | $17,140,000 | $103,000 | $498,000 | $98,000 | $425,000 |
| Home Improvement | 120 | $4,716,000 | $39,000 | $190,000 | $95,000 | $278,000 |
| Home Purchase | 43 | $7,912,000 | $184,000 | $404,000 | $105,000 | $374,000 |
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 | 171 | $15,297,000 | $89,000 | $404,000 | $103,000 | $381,000 |
| Not Provided | 121 | $11,737,000 | $97,000 | $498,000 | $97,000 | $425,000 |
| Hispanic | 20 | $1,928,000 | $96,000 | $261,000 | $78,000 | $170,000 |
| Black or African American | 11 | $419,000 | $38,000 | $103,000 | $76,000 | $110,000 |
| American Indian or Alaskan Native | 4 | $216,000 | $54,000 | $78,000 | $66,000 | $122,000 |
| Asian | 2 | $171,000 | $85,000 | $146,000 | $54,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 329 | $29,768,000 | $90,000 | $498,000 | $98,000 | $425,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 166 | $14,209,000 | $85,000 | $498,000 | $109,000 | $425,000 |
| Application Denied By Financial Institution | 91 | $6,354,000 | $69,000 | $404,000 | $74,000 | $209,000 |
| Application Withdrawn By Applicant | 42 | $3,264,000 | $77,000 | $237,000 | $83,000 | $278,000 |
| Loan Purchased By The Institution | 23 | $4,510,000 | $196,000 | $400,000 | $118,000 | $381,000 |
| File Closed For Incompleteness | 4 | $720,000 | $180,000 | $250,000 | $118,000 | $207,000 |
| Application Approved But Not Accepted | 3 | $711,000 | $237,000 | $280,000 | $170,000 | $228,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 40 | $2,842,000 | $71,000 | $190,000 | $59,000 | $142,000 |
| Credit History | 24 | $1,543,000 | $64,000 | $215,000 | $63,000 | $124,000 |
| Collateral | 18 | $961,000 | $53,000 | $219,000 | $103,000 | $177,000 |
| Other | 7 | $574,000 | $82,000 | $200,000 | $111,000 | $209,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $118,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $404,000 | $404,000 | $404,000 | $125,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nutmeg State FCU's 2015 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 Nutmeg State FCU'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 Connecticut, download the full spreadsheet
with aggregated HMDA statistics today.
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