Teachers Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Teachers Federal Credit Union of Hauppauge, NY reported 5,793 mortgage applications totaling $1.4 billion, down 1% from 2024. The average application was for $236,496, and applicants reported an average income of $189,412. 38% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Nassau County-Suffolk County, NY (2,835), New York-Jersey City-White Plains, NY-NJ (311) and Oakland-Hayward-Berkeley, CA (74) (applications in parentheses).

Mortgage Company & Address Teachers Federal Credit Union
102 Motor Parkway
Hauppauge, NY 11788
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,793
Total Mortgage Loan Application Amount $1,370,025,000
Average Mortgage Loan Application Amount $236,496
Highest Mortgage Loan Application Amount $5,005,000
Average Applicant Income $189,412
Highest Applicant Income $9,437,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Teachers Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Teachers Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 2,442 $ 454,350,000 $ 186,056 $ 175,000
Nassau, New York 393 $ 112,655,000 $ 286,653 $ 262,000
Queens, New York 131 $ 39,475,000 $ 301,335 $ 174,000
Los Angeles, California 72 $ 41,910,000 $ 582,083 $ 289,000
Orange, California 72 $ 61,600,000 $ 855,555 $ 344,000
San Diego, California 43 $ 19,655,000 $ 457,093 $ 272,000
Santa Clara, California 42 $ 53,280,000 $ 1,268,571 $ 507,000
Maricopa, Arizona 41 $ 8,505,000 $ 207,439 $ 153,000
Alameda, California 41 $ 36,275,000 $ 884,756 $ 380,000
Westchester, New York 41 $ 10,915,000 $ 266,219 $ 260,000
Riverside, California 38 $ 12,010,000 $ 316,052 $ 196,000
Hillsborough, Florida 35 $ 4,545,000 $ 129,857 $ 162,000
Contra Costa, California 33 $ 17,635,000 $ 534,393 $ 272,000
Kings, New York 33 $ 14,615,000 $ 442,878 $ 259,000
Broward, Florida 32 $ 5,020,000 $ 156,875 $ 139,000
King, Washington 31 $ 21,045,000 $ 678,870 $ 261,000
Palm Beach, Florida 30 $ 10,740,000 $ 358,000 $ 276,000
Clark, Nevada 29 $ 2,555,000 $ 88,103 $ 112,000
Cook, Illinois 27 $ 4,915,000 $ 182,037 $ 199,000
Hudson, New Jersey 23 $ 16,605,000 $ 721,956 $ 357,000
Mecklenburg, North Carolina 23 $ 4,195,000 $ 182,391 $ 251,000
Bergen, New Jersey 21 $ 10,455,000 $ 497,857 $ 310,000
Pinellas, Florida 20 $ 2,940,000 $ 147,000 $ 133,000
Sacramento, California 19 $ 1,815,000 $ 95,526 $ 114,000
Miami-Dade, Florida 19 $ 9,235,000 $ 486,052 $ 337,000
Monmouth, New Jersey 19 $ 3,365,000 $ 177,105 $ 225,000
Fulton, Georgia 18 $ 1,980,000 $ 110,000 $ 230,000
San Bernardino, California 17 $ 2,035,000 $ 119,705 $ 167,000
Collier, Florida 17 $ 5,795,000 $ 340,882 $ 315,000
Bronx, New York 15 $ 3,455,000 $ 230,333 $ 132,000
Rockland, New York 15 $ 3,775,000 $ 251,666 $ 256,000
Wake, North Carolina 15 $ 2,955,000 $ 197,000 $ 158,000
Capitol Planning Region, Connecticut 14 $ 1,580,000 $ 112,857 $ 229,000
Duval, Florida 14 $ 1,400,000 $ 100,000 $ 155,000
Snohomish, Washington 14 $ 5,470,000 $ 390,714 $ 146,000
Western Connecticut Planning Region, Connecticut 13 $ 2,895,000 $ 222,692 $ 211,000
Orange, Florida 13 $ 1,505,000 $ 115,769 $ 94,000
Prince George's, Maryland 12 $ 1,010,000 $ 84,166 $ 108,000
Middlesex, Massachusetts 12 $ 1,740,000 $ 145,000 $ 277,000
Essex, New Jersey 12 $ 3,450,000 $ 287,500 $ 238,000
Franklin, Ohio 12 $ 1,070,000 $ 89,166 $ 134,000
Pima, Arizona 11 $ 1,025,000 $ 93,181 $ 145,000
San Mateo, California 11 $ 12,365,000 $ 1,124,090 $ 354,000
Arapahoe, Colorado 11 $ 2,225,000 $ 202,272 $ 159,000
Pasco, Florida 11 $ 1,285,000 $ 116,818 $ 124,000
Polk, Florida 11 $ 1,175,000 $ 106,818 $ 96,000
Gwinnett, Georgia 11 $ 1,755,000 $ 159,545 $ 113,000
Middlesex, New Jersey 11 $ 1,175,000 $ 106,818 $ 137,000
Morris, New Jersey 11 $ 2,655,000 $ 241,363 $ 268,000
Richmond, New York 11 $ 3,045,000 $ 276,818 $ 232,000
Loudoun, Virginia 11 $ 1,665,000 $ 151,363 $ 214,000
Placer, California 10 $ 2,200,000 $ 220,000 $ 148,000
San Francisco, California 10 $ 10,200,000 $ 1,020,000 $ 282,000
Cobb, Georgia 10 $ 1,110,000 $ 111,000 $ 123,000
Forsyth, Georgia 10 $ 2,320,000 $ 232,000 $ 173,000
Oakland, Michigan 10 $ 880,000 $ 88,000 $ 142,000
Cuyahoga, Ohio 10 $ 1,010,000 $ 101,000 $ 171,000
San Joaquin, California 9 $ 3,595,000 $ 399,444 $ 179,000
Ventura, California 9 $ 1,235,000 $ 137,222 $ 260,000
St. Lucie, Florida 9 $ 1,535,000 $ 170,555 $ 218,000
Volusia, Florida 9 $ 1,245,000 $ 138,333 $ 239,000
DeKalb, Georgia 9 $ 1,695,000 $ 188,333 $ 316,000
DuPage, Illinois 9 $ 745,000 $ 82,777 $ 155,000
Anne Arundel, Maryland 9 $ 1,025,000 $ 113,888 $ 129,000
Montgomery, Maryland 9 $ 1,525,000 $ 169,444 $ 212,000
Plymouth, Massachusetts 9 $ 915,000 $ 101,666 $ 113,000
Macomb, Michigan 9 $ 495,000 $ 55,000 $ 92,000
Ocean, New Jersey 9 $ 1,355,000 $ 150,555 $ 164,000
Union, New Jersey 9 $ 5,545,000 $ 616,111 $ 306,000
New York, New York 9 $ 7,405,000 $ 822,777 $ 491,000
Washington, Oregon 9 $ 1,455,000 $ 161,666 $ 210,000
Philadelphia, Pennsylvania 9 $ 2,355,000 $ 261,666 $ 232,000
York, Pennsylvania 9 $ 615,000 $ 68,333 $ 225,000
Davidson, Tennessee 9 $ 1,585,000 $ 176,111 $ 200,000
Solano, California 8 $ 2,120,000 $ 265,000 $ 187,000
Denver, Colorado 8 $ 460,000 $ 57,500 $ 94,000
Lee, Florida 8 $ 870,000 $ 108,750 $ 118,000
Manatee, Florida 8 $ 740,000 $ 92,500 $ 154,000
Hamilton, Indiana 8 $ 880,000 $ 110,000 $ 218,000
Marion, Indiana 8 $ 510,000 $ 63,750 $ 90,000
Baltimore, Maryland 8 $ 960,000 $ 120,000 $ 85,000
Washoe, Nevada 8 $ 790,000 $ 98,750 $ 148,000
Camden, New Jersey 8 $ 750,000 $ 93,750 $ 161,000
Butler, Ohio 8 $ 760,000 $ 95,000 $ 135,000
Chester, Pennsylvania 8 $ 780,000 $ 97,500 $ 118,000
Lancaster, Pennsylvania 8 $ 800,000 $ 100,000 $ 90,000
Knox, Tennessee 8 $ 530,000 $ 66,250 $ 159,000
Harris, Texas 8 $ 1,060,000 $ 132,500 $ 186,000
Greater Bridgeport Planning Region, Connecticut 7 $ 2,445,000 $ 349,285 $ 199,000
Cherokee, Georgia 7 $ 535,000 $ 76,428 $ 239,000
Essex, Massachusetts 7 $ 1,755,000 $ 250,714 $ 259,000
Hennepin, Minnesota 7 $ 645,000 $ 92,142 $ 182,000
Burlington, New Jersey 7 $ 745,000 $ 106,428 $ 155,000
Gloucester, New Jersey 7 $ 1,145,000 $ 163,571 $ 217,000
Orange, New York 7 $ 1,305,000 $ 186,428 $ 135,000
Brunswick, North Carolina 7 $ 635,000 $ 90,714 $ 126,000
Multnomah, Oregon 7 $ 3,755,000 $ 536,428 $ 340,000
Allegheny, Pennsylvania 7 $ 765,000 $ 109,285 $ 75,000
Berks, Pennsylvania 7 $ 375,000 $ 53,571 $ 108,000
Bucks, Pennsylvania 7 $ 575,000 $ 82,142 $ 76,000
Delaware, Pennsylvania 7 $ 575,000 $ 82,142 $ 143,000
Northampton, Pennsylvania 7 $ 645,000 $ 92,142 $ 78,000
Salt Lake, Utah 7 $ 595,000 $ 85,000 $ 150,000
Prince William, Virginia 7 $ 595,000 $ 85,000 $ 220,000
Pierce, Washington 7 $ 725,000 $ 103,571 $ 179,000
Jefferson, Alabama 6 $ 330,000 $ 55,000 $ 109,000
El Dorado, California 6 $ 990,000 $ 165,000 $ 180,000
Marin, California 6 $ 6,870,000 $ 1,145,000 $ 372,000
Tulare, California 6 $ 460,000 $ 76,666 $ 176,000
Jefferson, Colorado 6 $ 600,000 $ 100,000 $ 157,000
Brevard, Florida 6 $ 350,000 $ 58,333 $ 97,000
Marion, Florida 6 $ 480,000 $ 80,000 $ 83,000
Johnson, Kansas 6 $ 440,000 $ 73,333 $ 175,000
Frederick, Maryland 6 $ 740,000 $ 123,333 $ 173,000
Worcester, Massachusetts 6 $ 700,000 $ 116,666 $ 133,000
Wayne, Michigan 6 $ 300,000 $ 50,000 $ 93,000
Passaic, New Jersey 6 $ 1,600,000 $ 266,666 $ 227,000
Putnam, New York 6 $ 1,750,000 $ 291,666 $ 194,000
Lorain, Ohio 6 $ 370,000 $ 61,666 $ 205,000
Montgomery, Ohio 6 $ 370,000 $ 61,666 $ 94,000
Providence, Rhode Island 6 $ 470,000 $ 78,333 $ 114,000
Chesterfield, Virginia 6 $ 820,000 $ 136,666 $ 187,000
Clark, Washington 6 $ 1,770,000 $ 295,000 $ 203,000
Waukesha, Wisconsin 6 $ 550,000 $ 91,666 $ 161,000
Shelby, Alabama 5 $ 205,000 $ 41,000 $ 108,000
Washington, Arkansas 5 $ 735,000 $ 147,000 $ 253,000
Monterey, California 5 $ 935,000 $ 187,000 $ 111,000
San Luis Obispo, California 5 $ 2,995,000 $ 599,000 $ 186,000
Stanislaus, California 5 $ 405,000 $ 81,000 $ 106,000
Southeastern Connecticut Planning Region, Connecticut 5 $ 685,000 $ 137,000 $ 82,000
New Castle, Delaware 5 $ 1,425,000 $ 285,000 $ 153,000
Seminole, Florida 5 $ 515,000 $ 103,000 $ 174,000
St. Johns, Florida 5 $ 485,000 $ 97,000 $ 168,000
Kane, Illinois 5 $ 245,000 $ 49,000 $ 129,000
Lake, Illinois 5 $ 385,000 $ 77,000 $ 157,000
Charles, Maryland 5 $ 555,000 $ 111,000 $ 63,000
Greene, Missouri 5 $ 475,000 $ 95,000 $ 86,000
Jackson, Missouri 5 $ 565,000 $ 113,000 $ 151,000
St. Charles, Missouri 5 $ 335,000 $ 67,000 $ 321,000
St. Louis, Missouri 5 $ 335,000 $ 67,000 $ 170,000
Douglas, Nebraska 5 $ 435,000 $ 87,000 $ 97,000
Hillsborough, New Hampshire 5 $ 735,000 $ 147,000 $ 195,000
Rockingham, New Hampshire 5 $ 625,000 $ 125,000 $ 212,000
Atlantic, New Jersey 5 $ 575,000 $ 115,000 $ 79,000
Mercer, New Jersey 5 $ 2,425,000 $ 485,000 $ 232,000
Dutchess, New York 5 $ 1,495,000 $ 299,000 $ 110,000
Ulster, New York 5 $ 1,605,000 $ 321,000 $ 158,000
Forsyth, North Carolina 5 $ 595,000 $ 119,000 $ 153,000
Lucas, Ohio 5 $ 255,000 $ 51,000 $ 106,000
Oklahoma, Oklahoma 5 $ 245,000 $ 49,000 $ 115,000
Montgomery, Pennsylvania 5 $ 365,000 $ 73,000 $ 91,000
Charleston, South Carolina 5 $ 525,000 $ 105,000 $ 162,000
Travis, Texas 5 $ 1,615,000 $ 323,000 $ 386,000
Benton, Arkansas 4 $ 520,000 $ 130,000 $ 143,000
Garland, Arkansas 4 $ 210,000 $ 52,500 $ 76,000
Fresno, California 4 $ 430,000 $ 107,500 $ 130,000
Adams, Colorado 4 $ 460,000 $ 115,000 $ 113,000
Weld, Colorado 4 $ 400,000 $ 100,000 $ 122,000
Lower Connecticut River Valley Planning Region, Connecticut 4 $ 260,000 $ 65,000 $ 149,000
Naugatuck Valley Planning Region, Connecticut 4 $ 440,000 $ 110,000 $ 91,000
Charlotte, Florida 4 $ 740,000 $ 185,000 $ 100,000
Hernando, Florida 4 $ 500,000 $ 125,000 $ 112,000
Indian River, Florida 4 $ 370,000 $ 92,500 $ 133,000
Bartow, Georgia 4 $ 250,000 $ 62,500 $ 84,000
McHenry, Illinois 4 $ 250,000 $ 62,500 $ 105,000
Will, Illinois 4 $ 420,000 $ 105,000 $ 181,000
Allen, Indiana 4 $ 250,000 $ 62,500 $ 144,000
St. Joseph, Indiana 4 $ 250,000 $ 62,500 $ 70,000
St. Tammany, Louisiana 4 $ 160,000 $ 40,000 $ 69,000
Howard, Maryland 4 $ 450,000 $ 112,500 $ 106,000
Barnstable, Massachusetts 4 $ 990,000 $ 247,500 $ 298,000
Suffolk, Massachusetts 4 $ 960,000 $ 240,000 $ 322,000
Kalamazoo, Michigan 4 $ 250,000 $ 62,500 $ 179,000
Kent, Michigan 4 $ 310,000 $ 77,500 $ 116,000
Washtenaw, Michigan 4 $ 350,000 $ 87,500 $ 114,000
Washington, Minnesota 4 $ 590,000 $ 147,500 $ 180,000
Yellowstone, Montana 4 $ 190,000 $ 47,500 $ 119,000
Merrimack, New Hampshire 4 $ 210,000 $ 52,500 $ 182,000
Sussex, New Jersey 4 $ 320,000 $ 80,000 $ 120,000
Bernalillo, New Mexico 4 $ 320,000 $ 80,000 $ 109,000
Erie, New York 4 $ 590,000 $ 147,500 $ 115,000
Cabarrus, North Carolina 4 $ 840,000 $ 210,000 $ 123,000
Hamilton, Ohio 4 $ 400,000 $ 100,000 $ 154,000
Summit, Ohio 4 $ 370,000 $ 92,500 $ 121,000
Cleveland, Oklahoma 4 $ 170,000 $ 42,500 $ 114,000
Marion, Oregon 4 $ 160,000 $ 40,000 $ 76,000
Pike, Pennsylvania 4 $ 570,000 $ 142,500 $ 136,000
Horry, South Carolina 4 $ 1,010,000 $ 252,500 $ 88,000
Lancaster, South Carolina 4 $ 610,000 $ 152,500 $ 96,000
Lexington, South Carolina 4 $ 680,000 $ 170,000 $ 164,000
Bradley, Tennessee 4 $ 320,000 $ 80,000 $ 179,000
Montgomery, Tennessee 4 $ 230,000 $ 57,500 $ 104,000
Sevier, Tennessee 4 $ 1,840,000 $ 460,000 $ 294,000
Shelby, Tennessee 4 $ 660,000 $ 165,000 $ 181,000
Denton, Texas 4 $ 2,030,000 $ 507,500 $ 353,000
Montgomery, Texas 4 $ 510,000 $ 127,500 $ 233,000
Utah, Utah 4 $ 440,000 $ 110,000 $ 181,000
Chesapeake, Virginia 4 $ 300,000 $ 75,000 $ 112,000
Fairfax, Virginia 4 $ 470,000 $ 117,500 $ 197,000
Hanover, Virginia 4 $ 480,000 $ 120,000 $ 159,000
Madison, Alabama 3 $ 155,000 $ 51,666 $ 122,000
Mohave, Arizona 3 $ 125,000 $ 41,666 $ 75,000
Pulaski, Arkansas 3 $ 185,000 $ 61,666 $ 170,000
Kern, California 3 $ 325,000 $ 108,333 $ 113,000
Nevada, California 3 $ 2,855,000 $ 951,666 $ 554,000
San Benito, California 3 $ 915,000 $ 305,000 $ 165,000
Douglas, Colorado 3 $ 205,000 $ 68,333 $ 179,000
South Central Connecticut Planning Region, Connecticut 3 $ 265,000 $ 88,333 $ 166,000
Citrus, Florida 3 $ 445,000 $ 148,333 $ 84,000
Clay, Florida 3 $ 215,000 $ 71,666 $ 109,000
Escambia, Florida 3 $ 265,000 $ 88,333 $ 97,000
Flagler, Florida 3 $ 345,000 $ 115,000 $ 186,000
Lake, Florida 3 $ 265,000 $ 88,333 $ 153,000
Leon, Florida 3 $ 165,000 $ 55,000 $ 103,000
Osceola, Florida 3 $ 85,000 $ 28,333 $ 84,000
Sarasota, Florida 3 $ 435,000 $ 145,000 $ 391,000
Bibb, Georgia 3 $ 235,000 $ 78,333 $ 123,000
Glynn, Georgia 3 $ 125,000 $ 41,666 $ 81,000
Paulding, Georgia 3 $ 255,000 $ 85,000 $ 124,000
DeKalb, Illinois 3 $ 105,000 $ 35,000 $ 78,000
Lake, Indiana 3 $ 125,000 $ 41,666 $ 98,000
Morgan, Indiana 3 $ 155,000 $ 51,666 $ 76,000
Polk, Iowa 3 $ 125,000 $ 41,666 $ 46,000
Calvert, Maryland 3 $ 275,000 $ 91,666 $ 9,000
Wicomico, Maryland 3 $ 275,000 $ 91,666 $ 119,000
Berkshire, Massachusetts 3 $ 375,000 $ 125,000 $ 83,000
Norfolk, Massachusetts 3 $ 415,000 $ 138,333 $ 173,000
Berrien, Michigan 3 $ 145,000 $ 48,333 $ 75,000
Christian, Missouri 3 $ 205,000 $ 68,333 $ 107,000
Cumberland, New Jersey 3 $ 265,000 $ 88,333 $ 150,000
Warren, New Jersey 3 $ 245,000 $ 81,666 $ 192,000
Catawba, North Carolina 3 $ 225,000 $ 75,000 $ 100,000
Gaston, North Carolina 3 $ 255,000 $ 85,000 $ 166,000
Guilford, North Carolina 3 $ 385,000 $ 128,333 $ 116,000
Union, North Carolina 3 $ 835,000 $ 278,333 $ 221,000
Clark, Ohio 3 $ 335,000 $ 111,666 $ 182,000
Clermont, Ohio 3 $ 215,000 $ 71,666 $ 53,000
Clackamas, Oregon 3 $ 215,000 $ 71,666 $ 122,000
Dauphin, Pennsylvania 3 $ 135,000 $ 45,000 $ 68,000
Erie, Pennsylvania 3 $ 235,000 $ 78,333 $ 137,000
Luzerne, Pennsylvania 3 $ 285,000 $ 95,000 $ 102,000
Monroe, Pennsylvania 3 $ 555,000 $ 185,000 $ 87,000
York, South Carolina 3 $ 155,000 $ 51,666 $ 144,000
Hamilton, Tennessee 3 $ 225,000 $ 75,000 $ 212,000
Wilson, Tennessee 3 $ 195,000 $ 65,000 $ 154,000
Ellis, Texas 3 $ 645,000 $ 215,000 $ 206,000
Tarrant, Texas 3 $ 235,000 $ 78,333 $ 140,000
Henrico, Virginia 3 $ 1,155,000 $ 385,000 $ 229,000
James City, Virginia 3 $ 235,000 $ 78,333 $ 168,000
Roanoke City, Virginia 3 $ 305,000 $ 101,666 $ 164,000
Stafford, Virginia 3 $ 295,000 $ 98,333 $ 253,000
Kitsap, Washington 3 $ 455,000 $ 151,666 $ 158,000
Spokane, Washington 3 $ 375,000 $ 125,000 $ 159,000
Thurston, Washington 3 $ 215,000 $ 71,666 $ 186,000
Kenosha, Wisconsin 3 $ 285,000 $ 95,000 $ 157,000
Milwaukee, Wisconsin 3 $ 225,000 $ 75,000 $ 142,000
Laramie, Wyoming 3 $ 215,000 $ 71,666 $ 154,000
Lee, Alabama 2 $ 140,000 $ 70,000 $ 82,000
St. Clair, Alabama 2 $ 110,000 $ 55,000 $ 171,000
Tuscaloosa, Alabama 2 $ 70,000 $ 35,000 $ 71,000
Navajo, Arizona 2 $ 460,000 $ 230,000 $ 211,000
Yuma, Arizona 2 $ 110,000 $ 55,000 $ 71,000
Calaveras, California 2 $ 120,000 $ 60,000 $ 148,000
Kings, California 2 $ 140,000 $ 70,000 $ 163,000
Merced, California 2 $ 140,000 $ 70,000 $ 124,000
Napa, California 2 $ 490,000 $ 245,000 $ 188,000
Santa Barbara, California 2 $ 2,740,000 $ 1,370,000 $ 351,000
Santa Cruz, California 2 $ 1,630,000 $ 815,000 $ 170,000
Yolo, California 2 $ 170,000 $ 85,000 $ 295,000
El Paso, Colorado 2 $ 180,000 $ 90,000 $ 151,000
Elbert, Colorado 2 $ 110,000 $ 55,000 $ 215,000
Garfield, Colorado 2 $ 300,000 $ 150,000 $ 132,000
La Plata, Colorado 2 $ 150,000 $ 75,000 $ 125,000
Larimer, Colorado 2 $ 400,000 $ 200,000 $ 201,000
Rio Grande, Colorado 2 $ 1,860,000 $ 930,000 $ 312,000
Sussex, Delaware 2 $ 1,140,000 $ 570,000 $ 151,000
District of Columbia, District Of Columbia 2 $ 280,000 $ 140,000 $ 131,000
Bay, Florida 2 $ 120,000 $ 60,000 $ 110,000
Okaloosa, Florida 2 $ 420,000 $ 210,000 $ 95,000
Santa Rosa, Florida 2 $ 210,000 $ 105,000 $ 219,000
Sumter, Florida 2 $ 390,000 $ 195,000 $ 74,000
Chatham, Georgia 2 $ 120,000 $ 60,000 $ 111,000
Fayette, Georgia 2 $ 280,000 $ 140,000 $ 203,000
Hall, Georgia 2 $ 70,000 $ 35,000 $ 93,000
Jackson, Georgia 2 $ 210,000 $ 105,000 $ 114,000
Morgan, Georgia 2 $ 70,000 $ 35,000 $ 168,000
Walton, Georgia 2 $ 180,000 $ 90,000 $ 188,000
Hawaii, Hawaii 2 $ 4,910,000 $ 2,455,000 $ 504,000
Ada, Idaho 2 $ 290,000 $ 145,000 $ 177,000
Canyon, Idaho 2 $ 60,000 $ 30,000 $ 90,000
Kootenai, Idaho 2 $ 1,640,000 $ 820,000 $ 178,000
Kendall, Illinois 2 $ 120,000 $ 60,000 $ 266,000
LaSalle, Illinois 2 $ 170,000 $ 85,000 $ 115,000
Madison, Illinois 2 $ 770,000 $ 385,000 $ 86,000
Winnebago, Illinois 2 $ 130,000 $ 65,000 $ 46,000
Hendricks, Indiana 2 $ 50,000 $ 25,000 $ 105,000
Henry, Indiana 2 $ 120,000 $ 60,000 $ 70,000
Howard, Indiana 2 $ 110,000 $ 55,000 $ 0
Porter, Indiana 2 $ 130,000 $ 65,000 $ 18,000
Dickinson, Iowa 2 $ 90,000 $ 45,000 $ 88,000
Butler, Kansas 2 $ 150,000 $ 75,000 $ 147,000
Hardin, Kentucky 2 $ 70,000 $ 35,000 $ 142,000
Laurel, Kentucky 2 $ 80,000 $ 40,000 $ 68,000
East Baton Rouge, Louisiana 2 $ 250,000 $ 125,000 $ 211,000
Jefferson, Louisiana 2 $ 160,000 $ 80,000 $ 92,000
Tangipahoa, Louisiana 2 $ 120,000 $ 60,000 $ 100,000
Carroll, Maryland 2 $ 210,000 $ 105,000 $ 147,000
Harford, Maryland 2 $ 170,000 $ 85,000 $ 162,000
Talbot, Maryland 2 $ 150,000 $ 75,000 $ 85,000
Washington, Maryland 2 $ 270,000 $ 135,000 $ 52,000
Bristol, Massachusetts 2 $ 150,000 $ 75,000 $ 320,000
Franklin, Massachusetts 2 $ 180,000 $ 90,000 $ 123,000
Hampden, Massachusetts 2 $ 290,000 $ 145,000 $ 74,000
Clinton, Michigan 2 $ 130,000 $ 65,000 $ 132,000
Midland, Michigan 2 $ 250,000 $ 125,000 $ 103,000
Monroe, Michigan 2 $ 130,000 $ 65,000 $ 66,000
Ottawa, Michigan 2 $ 390,000 $ 195,000 $ 118,000
Saginaw, Michigan 2 $ 60,000 $ 30,000 $ 60,000
Anoka, Minnesota 2 $ 120,000 $ 60,000 $ 212,000
Dakota, Minnesota 2 $ 140,000 $ 70,000 $ 116,000
Olmsted, Minnesota 2 $ 100,000 $ 50,000 $ 72,000
Lancaster, Nebraska 2 $ 70,000 $ 35,000 $ 52,000
Cape May, New Jersey 2 $ 100,000 $ 50,000 $ 108,000
Hunterdon, New Jersey 2 $ 390,000 $ 195,000 $ 193,000
Salem, New Jersey 2 $ 250,000 $ 125,000 $ 120,000
Broome, New York 2 $ 90,000 $ 45,000 $ 195,000
Monroe, New York 2 $ 290,000 $ 145,000 $ 103,000
Saratoga, New York 2 $ 210,000 $ 105,000 $ 74,000
Sullivan, New York 2 $ 800,000 $ 400,000 $ 228,000
Washington, New York 2 $ 390,000 $ 195,000 $ 3,614,000
Buncombe, North Carolina 2 $ 200,000 $ 100,000 $ 88,000
Carteret, North Carolina 2 $ 130,000 $ 65,000 $ 143,000
Hoke, North Carolina 2 $ 50,000 $ 25,000 $ 57,000
Iredell, North Carolina 2 $ 220,000 $ 110,000 $ 137,000
Jackson, North Carolina 2 $ 390,000 $ 195,000 $ 361,000
Lincoln, North Carolina 2 $ 490,000 $ 245,000 $ 217,000
Moore, North Carolina 2 $ 190,000 $ 95,000 $ 102,000
Delaware, Ohio 2 $ 80,000 $ 40,000 $ 99,000
Lake, Ohio 2 $ 90,000 $ 45,000 $ 57,000
Mahoning, Ohio 2 $ 150,000 $ 75,000 $ 87,000
Medina, Ohio 2 $ 110,000 $ 55,000 $ 167,000
Union, Ohio 2 $ 130,000 $ 65,000 $ 150,000
Pottawatomie, Oklahoma 2 $ 130,000 $ 65,000 $ 91,000
Rogers, Oklahoma 2 $ 480,000 $ 240,000 $ 127,000
Benton, Oregon 2 $ 170,000 $ 85,000 $ 122,000
Jackson, Oregon 2 $ 90,000 $ 45,000 $ 102,000
Lehigh, Pennsylvania 2 $ 160,000 $ 80,000 $ 138,000
Washington, Pennsylvania 2 $ 80,000 $ 40,000 $ 22,000
Richland, South Carolina 2 $ 240,000 $ 120,000 $ 92,000
Minnehaha, South Dakota 2 $ 200,000 $ 100,000 $ 162,000
Maury, Tennessee 2 $ 1,440,000 $ 720,000 $ 307,000
Washington, Tennessee 2 $ 110,000 $ 55,000 $ 94,000
Bexar, Texas 2 $ 220,000 $ 110,000 $ 96,000
Comal, Texas 2 $ 1,300,000 $ 650,000 $ 316,000
Dallas, Texas 2 $ 1,520,000 $ 760,000 $ 274,000
Grayson, Texas 2 $ 990,000 $ 495,000 $ 131,000
Somervell, Texas 2 $ 670,000 $ 335,000 $ 254,000
Windsor, Vermont 2 $ 350,000 $ 175,000 $ 243,000
Fauquier, Virginia 2 $ 120,000 $ 60,000 $ 155,000
Frederick, Virginia 2 $ 100,000 $ 50,000 $ 113,000
Louisa, Virginia 2 $ 80,000 $ 40,000 $ 51,000
Portsmouth, Virginia 2 $ 280,000 $ 140,000 $ 112,000
Virginia Beach, Virginia 2 $ 160,000 $ 80,000 $ 110,000
Brown, Wisconsin 2 $ 200,000 $ 100,000 $ 167,000
Fremont, Wyoming 2 $ 110,000 $ 55,000 $ 137,000
Baldwin, Alabama 1 $ 45,000 $ 45,000 $ 64,000
Chilton, Alabama 1 $ 45,000 $ 45,000 $ 70,000
Elmore, Alabama 1 $ 55,000 $ 55,000 $ 31,000
Etowah, Alabama 1 $ 135,000 $ 135,000 $ 90,000
Henry, Alabama 1 $ 85,000 $ 85,000 $ 225,000
Lowndes, Alabama 1 $ 135,000 $ 135,000 $ 128,000
Marshall, Alabama 1 $ 355,000 $ 355,000 $ 127,000
Mobile, Alabama 1 $ 45,000 $ 45,000 $ 158,000
Montgomery, Alabama 1 $ 115,000 $ 115,000 $ 155,000
Russell, Alabama 1 $ 15,000 $ 15,000 $ 87,000
Matanuska-Susitna, Alaska 1 $ 105,000 $ 105,000 $ 215,000
Pinal, Arizona 1 $ 355,000 $ 355,000 $ 405,000
Yavapai, Arizona 1 $ 65,000 $ 65,000 $ 111,000
Ashley, Arkansas 1 $ 55,000 $ 55,000 $ 67,000
Baxter, Arkansas 1 $ 285,000 $ 285,000 $ 232,000
Lonoke, Arkansas 1 $ 65,000 $ 65,000 $ 65,000
Perry, Arkansas 1 $ 25,000 $ 25,000 $ 16,000
Phillips, Arkansas 1 $ 25,000 $ 25,000 $ 67,000
Randolph, Arkansas 1 $ 45,000 $ 45,000 $ 39,000
Saline, Arkansas 1 $ 65,000 $ 65,000 $ 120,000
Sebastian, Arkansas 1 $ 105,000 $ 105,000 $ 94,000
Butte, California 1 $ 75,000 $ 75,000 $ 58,000
Mono, California 1 $ 175,000 $ 175,000 $ 202,000
Shasta, California 1 $ 75,000 $ 75,000 $ 130,000
Sonoma, California 1 $ 155,000 $ 155,000 $ 135,000
Yuba, California 1 $ 95,000 $ 95,000 $ 193,000
Clear Creek, Colorado 1 $ 65,000 $ 65,000 $ 129,000
Eagle, Colorado 1 $ 105,000 $ 105,000 $ 0
Gilpin, Colorado 1 $ 75,000 $ 75,000 $ 160,000
Mesa, Colorado 1 $ 45,000 $ 45,000 $ 96,000
Montrose, Colorado 1 $ 85,000 $ 85,000 $ 80,000
Pueblo, Colorado 1 $ 35,000 $ 35,000 $ 275,000
Routt, Colorado 1 $ 315,000 $ 315,000 $ 120,000
Teller, Colorado 1 $ 25,000 $ 25,000 $ 95,000
Northwest Hills Planning Region, Connecticut 1 $ 65,000 $ 65,000 $ 170,000
Kent, Delaware 1 $ 65,000 $ 65,000 $ 0
Baker, Florida 1 $ 55,000 $ 55,000 $ 131,000
Martin, Florida 1 $ 175,000 $ 175,000 $ 138,000
Union, Florida 1 $ 65,000 $ 65,000 $ 102,000
Barrow, Georgia 1 $ 95,000 $ 95,000 $ 125,000
Berrien, Georgia 1 $ 35,000 $ 35,000 $ 110,000
Bulloch, Georgia 1 $ 25,000 $ 25,000 $ 98,000
Camden, Georgia 1 $ 125,000 $ 125,000 $ 147,000
Carroll, Georgia 1 $ 175,000 $ 175,000 $ 82,000
Columbia, Georgia 1 $ 25,000 $ 25,000 $ 44,000
Coweta, Georgia 1 $ 75,000 $ 75,000 $ 115,000
Dawson, Georgia 1 $ 85,000 $ 85,000 $ 127,000
Fannin, Georgia 1 $ 65,000 $ 65,000 $ 95,000
Gordon, Georgia 1 $ 65,000 $ 65,000 $ 190,000
Lamar, Georgia 1 $ 75,000 $ 75,000 $ 230,000
Liberty, Georgia 1 $ 135,000 $ 135,000 $ 144,000
Lumpkin, Georgia 1 $ 45,000 $ 45,000 $ 64,000
Madison, Georgia 1 $ 55,000 $ 55,000 $ 215,000
Monroe, Georgia 1 $ 65,000 $ 65,000 $ 196,000
Muscogee, Georgia 1 $ 55,000 $ 55,000 $ 152,000
Oconee, Georgia 1 $ 25,000 $ 25,000 $ 103,000
Oglethorpe, Georgia 1 $ 75,000 $ 75,000 $ 105,000
Pike, Georgia 1 $ 35,000 $ 35,000 $ 263,000
Rockdale, Georgia 1 $ 305,000 $ 305,000 $ 124,000
Troup, Georgia 1 $ 95,000 $ 95,000 $ 67,000
Walker, Georgia 1 $ 75,000 $ 75,000 $ 93,000
Maui, Hawaii 1 $ 975,000 $ 975,000 $ 313,000
Benewah, Idaho 1 $ 105,000 $ 105,000 $ 112,000
Bingham, Idaho 1 $ 105,000 $ 105,000 $ 138,000
Minidoka, Idaho 1 $ 25,000 $ 25,000 $ 43,000
Nez Perce, Idaho 1 $ 65,000 $ 65,000 $ 140,000
Twin Falls, Idaho 1 $ 25,000 $ 25,000 $ 111,000
Boone, Illinois 1 $ 85,000 $ 85,000 $ 174,000
Christian, Illinois 1 $ 55,000 $ 55,000 $ 67,000
Marion, Illinois 1 $ 55,000 $ 55,000 $ 73,000
McLean, Illinois 1 $ 55,000 $ 55,000 $ 63,000
Peoria, Illinois 1 $ 25,000 $ 25,000 $ 48,000
St. Clair, Illinois 1 $ 105,000 $ 105,000 $ 310,000
Bartholomew, Indiana 1 $ 35,000 $ 35,000 $ 74,000
Clark, Indiana 1 $ 45,000 $ 45,000 $ 132,000
Elkhart, Indiana 1 $ 25,000 $ 25,000 $ 69,000
Fountain, Indiana 1 $ 45,000 $ 45,000 $ 150,000
Hancock, Indiana 1 $ 65,000 $ 65,000 $ 102,000
Johnson, Indiana 1 $ 25,000 $ 25,000 $ 102,000
Kosciusko, Indiana 1 $ 45,000 $ 45,000 $ 98,000
Lawrence, Indiana 1 $ 65,000 $ 65,000 $ 81,000
Owen, Indiana 1 $ 55,000 $ 55,000 $ 98,000
Posey, Indiana 1 $ 25,000 $ 25,000 $ 125,000
Putnam, Indiana 1 $ 55,000 $ 55,000 $ 0
Starke, Indiana 1 $ 35,000 $ 35,000 $ 0
Tippecanoe, Indiana 1 $ 35,000 $ 35,000 $ 45,000
Jasper, Iowa 1 $ 25,000 $ 25,000 $ 75,000
Linn, Iowa 1 $ 75,000 $ 75,000 $ 78,000
Marion, Iowa 1 $ 35,000 $ 35,000 $ 0
Coffey, Kansas 1 $ 55,000 $ 55,000 $ 62,000
Crawford, Kansas 1 $ 75,000 $ 75,000 $ 103,000
Labette, Kansas 1 $ 25,000 $ 25,000 $ 92,000
Shawnee, Kansas 1 $ 25,000 $ 25,000 $ 98,000
Wyandotte, Kansas 1 $ 35,000 $ 35,000 $ 115,000
Campbell, Kentucky 1 $ 85,000 $ 85,000 $ 62,000
Daviess, Kentucky 1 $ 25,000 $ 25,000 $ 76,000
Jefferson, Kentucky 1 $ 45,000 $ 45,000 $ 210,000
Ascension, Louisiana 1 $ 25,000 $ 25,000 $ 89,000
Bossier, Louisiana 1 $ 25,000 $ 25,000 $ 94,000
Jackson, Louisiana 1 $ 25,000 $ 25,000 $ 78,000
Lincoln, Louisiana 1 $ 65,000 $ 65,000 $ 120,000
Orleans, Louisiana 1 $ 85,000 $ 85,000 $ 135,000
Plaquemines, Louisiana 1 $ 85,000 $ 85,000 $ 62,000
Red River, Louisiana 1 $ 35,000 $ 35,000 $ 79,000
Knox, Maine 1 $ 65,000 $ 65,000 $ 34,000
Somerset, Maine 1 $ 215,000 $ 215,000 $ 167,000
Washington, Maine 1 $ 545,000 $ 545,000 $ 325,000
Baltimore City, Maryland 1 $ 225,000 $ 225,000 $ 65,000
Queen Anne's, Maryland 1 $ 45,000 $ 45,000 $ 180,000
St. Mary's, Maryland 1 $ 35,000 $ 35,000 $ 178,000
Dukes, Massachusetts 1 $ 55,000 $ 55,000 $ 86,000
Benzie, Michigan 1 $ 145,000 $ 145,000 $ 0
Eaton, Michigan 1 $ 55,000 $ 55,000 $ 155,000
Emmet, Michigan 1 $ 75,000 $ 75,000 $ 170,000
Genesee, Michigan 1 $ 25,000 $ 25,000 $ 110,000
Lenawee, Michigan 1 $ 75,000 $ 75,000 $ 137,000
Livingston, Michigan 1 $ 35,000 $ 35,000 $ 120,000
Missaukee, Michigan 1 $ 65,000 $ 65,000 $ 71,000
Oceana, Michigan 1 $ 25,000 $ 25,000 $ 125,000
Roscommon, Michigan 1 $ 75,000 $ 75,000 $ 250,000
Sanilac, Michigan 1 $ 45,000 $ 45,000 $ 96,000
St. Joseph, Michigan 1 $ 105,000 $ 105,000 $ 50,000
Van Buren, Michigan 1 $ 205,000 $ 205,000 $ 191,000
Becker, Minnesota 1 $ 155,000 $ 155,000 $ 160,000
Carver, Minnesota 1 $ 95,000 $ 95,000 $ 176,000
Clay, Minnesota 1 $ 55,000 $ 55,000 $ 130,000
Goodhue, Minnesota 1 $ 85,000 $ 85,000 $ 100,000
Isanti, Minnesota 1 $ 105,000 $ 105,000 $ 164,000
Otter Tail, Minnesota 1 $ 135,000 $ 135,000 $ 128,000
Ramsey, Minnesota 1 $ 45,000 $ 45,000 $ 89,000
Sherburne, Minnesota 1 $ 75,000 $ 75,000 $ 105,000
Stearns, Minnesota 1 $ 75,000 $ 75,000 $ 94,000
Wright, Minnesota 1 $ 25,000 $ 25,000 $ 65,000
Hinds, Mississippi 1 $ 65,000 $ 65,000 $ 89,000
Jackson, Mississippi 1 $ 25,000 $ 25,000 $ 93,000
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Mortgage Loan Application Detail Totals for Teachers Federal Credit Union in 2025

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
Other Purpose 2,909 $391,495,000 $134,000 $1,005,000 $181,000 $7,325,000
Cash-out Refinancing 983 $212,445,000 $216,000 $5,005,000 $163,000 $2,049,000
Home Purchase 736 $482,580,000 $655,000 $5,005,000 $274,000 $9,437,000
Home Improvement 685 $72,025,000 $105,000 $805,000 $155,000 $1,142,000
Refinancing 478 $208,970,000 $437,000 $3,185,000 $214,000 $3,276,000
Not Applicable 2 $2,510,000 $1,255,000 $1,805,000 $0 $0

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 3,547 $713,325,000 $201,000 $5,005,000 $187,000 $9,437,000
Not Provided 838 $222,130,000 $265,000 $5,005,000 $202,000 $7,150,000
Hispanic 648 $133,350,000 $205,000 $5,005,000 $151,000 $3,133,000
Asian 447 $247,175,000 $552,000 $3,655,000 $265,000 $3,276,000
Black or African American 281 $42,035,000 $149,000 $1,485,000 $143,000 $2,049,000
American Indian or Alaskan Native 27 $6,095,000 $225,000 $965,000 $176,000 $516,000
Not applicable 3 $5,295,000 $1,765,000 $3,185,000 $0 $0
Native Hawaiian or Other Pacific Islander 2 $620,000 $310,000 $585,000 $93,000 $126,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,755 $1,353,945,000 $235,000 $5,005,000 $189,000 $9,437,000
FHA-insured (Federal Housing Administration) 25 $10,155,000 $406,000 $915,000 $131,000 $385,000
VA-guaranteed (Veterans Administration) 13 $5,925,000 $455,000 $795,000 $165,000 $281,000
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 2,211 $651,695,000 $294,000 $5,005,000 $200,000 $3,276,000
Loan Purchased By The Institution 1,766 $199,600,000 $113,000 $1,995,000 $154,000 $1,300,000
Application Withdrawn By Applicant 741 $209,115,000 $282,000 $4,905,000 $235,000 $7,325,000
File Closed For Incompleteness 415 $107,165,000 $258,000 $3,005,000 $257,000 $9,437,000
Application Denied By Financial Institution 414 $92,870,000 $224,000 $5,005,000 $134,000 $1,992,000
Application Approved But Not Accepted 112 $27,760,000 $247,000 $1,505,000 $174,000 $622,000
Preapproval Approved but not Accepted 108 $70,550,000 $653,000 $5,005,000 $213,000 $1,183,000
Preapproval Denied by Financial Institution 26 $11,270,000 $433,000 $905,000 $88,000 $218,000

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
Not applicable 5,353 $1,265,885,000 $236,000 $5,005,000 $194,000 $9,437,000
Debt-To-Income Ratio 294 $66,360,000 $225,000 $2,065,000 $106,000 $676,000
Credit History 93 $19,465,000 $209,000 $5,005,000 $171,000 $1,992,000
Collateral 30 $10,740,000 $358,000 $3,255,000 $250,000 $1,035,000
Other 13 $3,365,000 $258,000 $965,000 $133,000 $280,000
Unverifiable Information 6 $1,960,000 $326,000 $625,000 $113,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,795,000 $598,000 $1,385,000 $201,000 $365,000
Mortgage Insurance Denied 1 $455,000 $455,000 $455,000 $106,000 $106,000
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 Teachers Federal Credit Union's 2025 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 Teachers Federal Credit Union'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.
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