Teachers Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Teachers Federal Credit Union 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 7,459 |
| Total Mortgage Loan Application Amount | $2,099,885,000 |
| Average Mortgage Loan Application Amount | $225,400 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $162,600 |
| Highest Applicant Income | $7,009,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Teachers Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Teachers Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Teachers Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Teachers Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Teachers Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Teachers Federal Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Suffolk County New York | 4,511 | $ 1,130,845,000 | $ 250,000 | $ 161,000 |
| Nassau County New York | 1,135 | $ 350,965,000 | $ 309,000 | $ 183,000 |
| Queens County New York | 240 | $ 73,000,000 | $ 304,000 | $ 133,000 |
| Westchester County New York | 71 | $ 28,315,000 | $ 398,000 | $ 226,000 |
| Kings County New York | 62 | $ 23,650,000 | $ 381,000 | $ 154,000 |
| New York County New York | 53 | $ 18,275,000 | $ 344,000 | $ 197,000 |
| Palm Beach County Florida | 19 | $ 4,765,000 | $ 250,000 | $ 262,000 |
| Rockland County New York | 17 | $ 4,485,000 | $ 263,000 | $ 169,000 |
| Bronx County New York | 16 | $ 5,590,000 | $ 349,000 | $ 113,000 |
| Richmond County New York | 16 | $ 5,010,000 | $ 313,000 | $ 152,000 |
| Bergen County New Jersey | 13 | $ 4,115,000 | $ 316,000 | $ 191,000 |
| Dutchess County New York | 12 | $ 3,730,000 | $ 310,000 | $ 214,000 |
| Saratoga County New York | 10 | $ 2,570,000 | $ 257,000 | $ 202,000 |
| Monroe County New York | 9 | $ 1,695,000 | $ 188,000 | $ 144,000 |
| Broward County Florida | 8 | $ 2,180,000 | $ 272,000 | $ 166,000 |
| Middlesex County New Jersey | 8 | $ 2,470,000 | $ 308,000 | $ 171,000 |
| Erie County New York | 8 | $ 2,530,000 | $ 316,000 | $ 272,000 |
| Orange County New York | 8 | $ 2,120,000 | $ 265,000 | $ 175,000 |
| Horry County South Carolina | 8 | $ 1,440,000 | $ 180,000 | $ 144,000 |
| Ulster County New York | 7 | $ 1,325,000 | $ 189,000 | $ 219,000 |
| Columbia County New York | 6 | $ 1,870,000 | $ 311,000 | $ 300,000 |
| Niagara County New York | 6 | $ 1,070,000 | $ 178,000 | $ 145,000 |
| Putnam County New York | 6 | $ 2,270,000 | $ 378,000 | $ 325,000 |
| Wake County North Carolina | 6 | $ 1,530,000 | $ 255,000 | $ 108,000 |
| Beaufort County South Carolina | 6 | $ 1,830,000 | $ 305,000 | $ 299,000 |
| Lee County Florida | 5 | $ 1,145,000 | $ 229,000 | $ 187,000 |
| Delaware County New York | 5 | $ 785,000 | $ 157,000 | $ 168,000 |
| Onondaga County New York | 5 | $ 945,000 | $ 189,000 | $ 114,000 |
| Otsego County New York | 5 | $ 715,000 | $ 143,000 | $ 95,000 |
| Brunswick County North Carolina | 5 | $ 1,245,000 | $ 249,000 | $ 152,000 |
| Miami-Dade County Florida | 4 | $ 690,000 | $ 172,000 | $ 191,000 |
| Orange County Florida | 4 | $ 700,000 | $ 175,000 | $ 134,000 |
| Osceola County Florida | 4 | $ 870,000 | $ 217,000 | $ 154,000 |
| Monmouth County New Jersey | 4 | $ 1,790,000 | $ 447,000 | $ 220,000 |
| Morris County New Jersey | 4 | $ 1,670,000 | $ 417,000 | $ 195,000 |
| Ocean County New Jersey | 4 | $ 730,000 | $ 182,000 | $ 284,000 |
| Somerset County New Jersey | 4 | $ 1,550,000 | $ 387,000 | $ 70,000 |
| Albany County New York | 4 | $ 790,000 | $ 197,000 | $ 184,000 |
| Schoharie County New York | 4 | $ 530,000 | $ 132,000 | $ 184,000 |
| Union County North Carolina | 4 | $ 780,000 | $ 195,000 | $ 154,000 |
| Hillsborough County Florida | 3 | $ 505,000 | $ 168,000 | $ 162,000 |
| Pinellas County Florida | 3 | $ 615,000 | $ 205,000 | $ 213,000 |
| Sarasota County Florida | 3 | $ 665,000 | $ 221,000 | $ 161,000 |
| Essex County New York | 3 | $ 1,095,000 | $ 365,000 | $ 141,000 |
| Greene County New York | 3 | $ 475,000 | $ 158,000 | $ 242,000 |
| Schenectady County New York | 3 | $ 635,000 | $ 211,000 | $ 161,000 |
| Sullivan County New York | 3 | $ 605,000 | $ 201,000 | $ 252,000 |
| Mecklenburg County North Carolina | 3 | $ 1,145,000 | $ 381,000 | $ 127,000 |
| Pike County Pennsylvania | 3 | $ 655,000 | $ 218,000 | $ 168,000 |
| Alachua County Florida | 2 | $ 390,000 | $ 195,000 | $ 200,000 |
| Charlotte County Florida | 2 | $ 530,000 | $ 265,000 | $ 156,000 |
| Collier County Florida | 2 | $ 540,000 | $ 270,000 | $ 347,000 |
| Flagler County Florida | 2 | $ 630,000 | $ 315,000 | $ 100,000 |
| St. Lucie County Florida | 2 | $ 300,000 | $ 150,000 | $ 69,000 |
| Sumter County Florida | 2 | $ 700,000 | $ 350,000 | $ 304,000 |
| Essex County New Jersey | 2 | $ 780,000 | $ 390,000 | $ 151,000 |
| Hudson County New Jersey | 2 | $ 790,000 | $ 395,000 | $ 147,000 |
| Hunterdon County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 249,000 |
| Mercer County New Jersey | 2 | $ 900,000 | $ 450,000 | $ 164,000 |
| Passaic County New Jersey | 2 | $ 240,000 | $ 120,000 | $ 98,000 |
| Union County New Jersey | 2 | $ 890,000 | $ 445,000 | $ 168,000 |
| Broome County New York | 2 | $ 150,000 | $ 75,000 | $ 98,000 |
| Cayuga County New York | 2 | $ 830,000 | $ 415,000 | $ 258,000 |
| Fulton County New York | 2 | $ 280,000 | $ 140,000 | $ 328,000 |
| Rensselaer County New York | 2 | $ 440,000 | $ 220,000 | $ 183,000 |
| St. Lawrence County New York | 2 | $ 320,000 | $ 160,000 | $ 175,000 |
| Warren County New York | 2 | $ 550,000 | $ 275,000 | $ 138,000 |
| Henderson County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 82,000 |
| Orange County North Carolina | 2 | $ 660,000 | $ 330,000 | $ 128,000 |
| Monroe County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 341,000 |
| Wayne County Pennsylvania | 2 | $ 450,000 | $ 225,000 | $ 219,000 |
| Berkeley County South Carolina | 2 | $ 420,000 | $ 210,000 | $ 209,000 |
| Greenville County South Carolina | 2 | $ 450,000 | $ 225,000 | $ 131,000 |
| York County South Carolina | 2 | $ 690,000 | $ 345,000 | $ 194,000 |
| Brevard County Florida | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
| Highlands County Florida | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Indian River County Florida | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Lake County Florida | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Manatee County Florida | 1 | $ 255,000 | $ 255,000 | $ 194,000 |
| Marion County Florida | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Martin County Florida | 1 | $ 235,000 | $ 235,000 | $ 139,000 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Volusia County Florida | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Atlantic County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 233,000 |
| Burlington County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 158,000 |
| Gloucester County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Salem County New Jersey | 1 | $ 225,000 | $ 225,000 | $ 190,000 |
| Warren County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 201,000 |
| Hamilton County New York | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Herkimer County New York | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Lewis County New York | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| Livingston County New York | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Oneida County New York | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Oswego County New York | 1 | $ 105,000 | $ 105,000 | $ 131,000 |
| Steuben County New York | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Tompkins County New York | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Buncombe County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Clay County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 150,000 |
| Dare County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 196,000 |
| Guilford County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 205,000 |
| McDowell County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Moore County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Butler County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 255,000 |
| Chester County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 176,000 |
| Dauphin County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Northampton County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Philadelphia County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Anderson County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Dorchester County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 19,000 |
| Georgetown County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 221,000 |
| Newberry County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| King County Washington | 1 | $ 925,000 | $ 925,000 | $ 194,000 |
Mortgage Loan Application Detail Totals for Teachers Federal Credit Union in 2020
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 | 2,430 | $696,840,000 | $286,000 | $2,705,000 | $172,000 | $2,400,000 |
| Cash-out Refinancing | 2,334 | $667,970,000 | $286,000 | $3,005,000 | $169,000 | $7,009,000 |
| Home Purchase | 1,677 | $611,195,000 | $364,000 | $3,005,000 | $169,000 | $6,413,000 |
| Other Purpose | 829 | $113,485,000 | $136,000 | $925,000 | $154,000 | $762,000 |
| Home Improvement | 189 | $10,395,000 | $55,000 | $555,000 | $149,000 | $600,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 5,253 | $1,460,495,000 | $278,000 | $3,005,000 | $173,000 | $7,009,000 |
| Not Provided | 1,077 | $301,045,000 | $279,000 | $3,005,000 | $164,000 | $1,196,000 |
| Hispanic | 397 | $98,135,000 | $247,000 | $965,000 | $129,000 | $926,000 |
| Asian | 349 | $125,345,000 | $359,000 | $1,505,000 | $166,000 | $3,406,000 |
| Black or African American | 175 | $45,065,000 | $257,000 | $995,000 | $136,000 | $443,000 |
| American Indian or Alaskan Native | 19 | $4,735,000 | $249,000 | $505,000 | $136,000 | $241,000 |
| Not applicable | 17 | $1,845,000 | $108,000 | $255,000 | $133,000 | $294,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 7,459 | $2,099,885,000 | $281,000 | $3,005,000 | $168,000 | $7,009,000 |
| 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 | 5,166 | $1,368,020,000 | $264,000 | $3,005,000 | $165,000 | $7,009,000 |
| Preapproval Approved but not Accepted | 941 | $354,725,000 | $376,000 | $3,005,000 | $183,000 | $6,413,000 |
| Application Withdrawn By Applicant | 701 | $197,475,000 | $281,000 | $3,005,000 | $191,000 | $5,402,000 |
| Application Denied By Financial Institution | 336 | $78,880,000 | $234,000 | $2,005,000 | $130,000 | $830,000 |
| Application Approved But Not Accepted | 299 | $91,595,000 | $306,000 | $3,005,000 | $159,000 | $903,000 |
| Preapproval Denied by Financial Institution | 16 | $9,190,000 | $574,000 | $3,005,000 | $98,000 | $185,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,107 | $2,011,815,000 | $283,000 | $3,005,000 | $170,000 | $7,009,000 |
| Debt-To-Income Ratio | 208 | $58,840,000 | $282,000 | $3,005,000 | $100,000 | $689,000 |
| Collateral | 82 | $13,970,000 | $170,000 | $705,000 | $186,000 | $830,000 |
| Credit History | 40 | $7,990,000 | $199,000 | $525,000 | $148,000 | $530,000 |
| Unverifiable Information | 11 | $3,105,000 | $282,000 | $515,000 | $149,000 | $650,000 |
| Other | 7 | $1,735,000 | $247,000 | $365,000 | $124,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,430,000 | $607,000 | $1,005,000 | $204,000 | $377,000 |
| 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 Teachers Federal Credit Union's 2020 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.