Teachers Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Teachers Federal Credit Union of Hauppauge, NY reported 5,870 mortgage applications totaling $1.1 billion, down 35% from 2023. The average application was for $187,722, and applicants reported an average income of $167,826. 39% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Nassau County-Suffolk County, NY (2,786), New York-Jersey City-White Plains, NY-NJ (313) and Los Angeles-Long Beach-Glendale, CA (86) (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 | 5,870 |
| Total Mortgage Loan Application Amount | $1,101,930,000 |
| Average Mortgage Loan Application Amount | $187,722 |
| Highest Mortgage Loan Application Amount | $5,735,000 |
| Average Applicant Income | $167,826 |
| Highest Applicant Income | $9,600,000 |
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records Teachers Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County-Suffolk County, NY | 2,786 | $ 538,980,000 | $ 193,460 | $ 169,000 |
| New York-Jersey City-White Plains, NY-NJ | 313 | $ 104,295,000 | $ 333,210 | $ 204,389 |
| Outside any metro area | 277 | $ 29,895,000 | $ 107,924 | $ 128,306 |
| Los Angeles-Long Beach-Glendale, CA | 86 | $ 34,720,000 | $ 403,720 | $ 233,000 |
| Atlanta-Sandy Springs-Roswell, GA | 82 | $ 6,140,000 | $ 74,878 | $ 133,000 |
| Phoenix-Mesa-Scottsdale, AZ | 74 | $ 6,170,000 | $ 83,378 | $ 131,000 |
| Anaheim-Santa Ana-Irvine, CA | 56 | $ 42,420,000 | $ 757,500 | $ 290,000 |
| Lakewood-New Brunswick, NJ | 55 | $ 15,205,000 | $ 276,454 | $ 289,000 |
| Riverside-San Bernardino-Ontario, CA | 53 | $ 5,105,000 | $ 96,320 | $ 155,000 |
| Oakland-Hayward-Berkeley, CA | 52 | $ 38,900,000 | $ 748,076 | $ 310,000 |
| Orlando-Kissimmee-Sanford, FL | 51 | $ 9,205,000 | $ 180,490 | $ 157,000 |
| Tampa, FL | 51 | $ 7,685,000 | $ 150,686 | $ 131,000 |
| Charlotte-Concord-Gastonia, NC-SC | 41 | $ 4,415,000 | $ 107,682 | $ 134,439 |
| Chicago-Naperville, IL | 40 | $ 2,840,000 | $ 71,000 | $ 151,000 |
| Newark, NJ-PA | 39 | $ 8,185,000 | $ 209,871 | $ 166,000 |
| San Diego-Carlsbad, CA | 38 | $ 9,130,000 | $ 240,263 | $ 248,000 |
| St. Louis, MO-IL | 37 | $ 2,065,000 | $ 55,810 | $ 122,459 |
| Arlington-Alexandria-Reston, VA-WV | 36 | $ 3,090,000 | $ 85,833 | $ 198,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 9,750,000 | $ 286,764 | $ 189,000 |
| Indianapolis-Carmel-Anderson, IN | 32 | $ 2,410,000 | $ 75,312 | $ 128,000 |
| Cleveland, OH | 30 | $ 2,000,000 | $ 66,666 | $ 117,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 15,300,000 | $ 510,000 | $ 311,000 |
| Camden, NJ | 29 | $ 2,755,000 | $ 95,000 | $ 168,000 |
| Denver-Aurora-Lakewood, CO | 29 | $ 1,915,000 | $ 66,034 | $ 143,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 29 | $ 3,425,000 | $ 118,103 | $ 147,000 |
| Marietta, GA | 28 | $ 2,560,000 | $ 91,428 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 28 | $ 2,790,000 | $ 99,642 | $ 167,785 |
| Sacramento--Roseville--Arden-Arcade, CA | 28 | $ 2,070,000 | $ 73,928 | $ 179,000 |
| Las Vegas-Henderson-Paradise, NV | 27 | $ 3,775,000 | $ 139,814 | $ 204,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 27 | $ 26,935,000 | $ 997,592 | $ 455,000 |
| Dallas-Plano-Irving, TX | 26 | $ 10,280,000 | $ 395,384 | $ 209,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 2,145,000 | $ 85,800 | $ 135,000 |
| Kansas City, MO-KS | 24 | $ 1,530,000 | $ 63,750 | $ 120,333 |
| Portland-Vancouver-Hillsboro, OR-WA | 24 | $ 1,660,000 | $ 69,166 | $ 154,833 |
| Columbus, OH | 23 | $ 2,395,000 | $ 104,130 | $ 163,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 9,860,000 | $ 448,181 | $ 253,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 4,695,000 | $ 223,571 | $ 193,000 |
| Raleigh, NC | 21 | $ 2,985,000 | $ 142,142 | $ 169,000 |
| North Port-Sarasota-Bradenton, FL | 19 | $ 4,485,000 | $ 236,052 | $ 235,000 |
| Hartford-West Hartford-East Hartford, CT | 18 | $ 1,440,000 | $ 80,000 | $ 124,000 |
| Montgomery County-Bucks County-Chester County, PA | 18 | $ 2,120,000 | $ 117,777 | $ 124,000 |
| Richmond, VA | 17 | $ 1,145,000 | $ 67,352 | $ 137,000 |
| St. Petersburg-Clearwater-Largo, FL | 17 | $ 2,055,000 | $ 120,882 | $ 110,000 |
| Baltimore-Columbia-Towson, MD | 16 | $ 1,210,000 | $ 75,625 | $ 122,000 |
| Boston, MA | 15 | $ 1,235,000 | $ 82,333 | $ 160,000 |
| Cincinnati, OH-KY-IN | 15 | $ 1,095,000 | $ 73,000 | $ 119,000 |
| Jacksonville, FL | 15 | $ 1,795,000 | $ 119,666 | $ 163,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 15 | $ 4,535,000 | $ 302,333 | $ 358,000 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 3,255,000 | $ 217,000 | $ 174,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 1,000,000 | $ 71,428 | $ 150,000 |
| Washington, DC-MD | 14 | $ 1,940,000 | $ 138,571 | $ 207,500 |
| Cambridge-Newton-Framingham, MA | 13 | $ 1,905,000 | $ 146,538 | $ 215,000 |
| Everett, WA | 13 | $ 3,735,000 | $ 287,307 | $ 162,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 615,000 | $ 47,307 | $ 103,769 |
| Tacoma-Lakewood, WA | 13 | $ 1,305,000 | $ 100,384 | $ 141,000 |
| Tucson, AZ | 13 | $ 795,000 | $ 61,153 | $ 113,000 |
| Little Rock-North Little Rock-Conway, AR | 12 | $ 670,000 | $ 55,833 | $ 122,000 |
| Salt Lake City, UT | 12 | $ 810,000 | $ 67,500 | $ 145,000 |
| Birmingham-Hoover, AL | 11 | $ 1,045,000 | $ 95,000 | $ 138,000 |
| Fresno, CA | 11 | $ 735,000 | $ 66,818 | $ 168,000 |
| Lake County-Porter County-Jasper County, IN | 11 | $ 455,000 | $ 41,363 | $ 90,000 |
| Lakeland-Winter Haven, FL | 11 | $ 805,000 | $ 73,181 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 1,360,000 | $ 136,000 | $ 102,000 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 970,000 | $ 97,000 | $ 152,000 |
| Memphis, TN-MS-AR | 10 | $ 720,000 | $ 72,000 | $ 123,700 |
| Modesto, CA | 10 | $ 1,220,000 | $ 122,000 | $ 140,000 |
| Ocala, FL | 10 | $ 920,000 | $ 92,000 | $ 84,000 |
| Pittsburgh, PA | 10 | $ 710,000 | $ 71,000 | $ 132,000 |
| Worcester, MA-CT | 10 | $ 830,000 | $ 83,000 | $ 151,000 |
| Albuquerque, NM | 9 | $ 935,000 | $ 103,888 | $ 220,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,225,000 | $ 136,111 | $ 120,555 |
| Charleston-North Charleston, SC | 9 | $ 4,845,000 | $ 538,333 | $ 192,000 |
| Chattanooga, TN-GA | 9 | $ 845,000 | $ 93,888 | $ 159,222 |
| Detroit-Dearborn-Livonia, MI | 9 | $ 935,000 | $ 103,888 | $ 140,000 |
| Elgin, IL | 9 | $ 685,000 | $ 76,111 | $ 165,000 |
| Knoxville, TN | 9 | $ 835,000 | $ 92,777 | $ 87,000 |
| Port St. Lucie, FL | 9 | $ 865,000 | $ 96,111 | $ 128,000 |
| Providence-Warwick, RI-MA | 9 | $ 855,000 | $ 95,000 | $ 136,222 |
| Stockton-Lodi, CA | 9 | $ 2,575,000 | $ 286,111 | $ 220,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 635,000 | $ 70,555 | $ 178,000 |
| Waterbury-Shelton, CT | 9 | $ 555,000 | $ 61,666 | $ 110,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 790,000 | $ 98,750 | $ 110,000 |
| New Haven-Milford, CT | 8 | $ 1,390,000 | $ 173,750 | $ 121,000 |
| Oklahoma City, OK | 8 | $ 510,000 | $ 63,750 | $ 111,000 |
| Philadelphia, PA | 8 | $ 960,000 | $ 120,000 | $ 99,000 |
| Reno, NV | 8 | $ 700,000 | $ 87,500 | $ 208,000 |
| Tulsa, OK | 8 | $ 370,000 | $ 46,250 | $ 121,000 |
| Vallejo-Fairfield, CA | 8 | $ 720,000 | $ 90,000 | $ 150,000 |
| Bakersfield, CA | 7 | $ 505,000 | $ 72,142 | $ 131,000 |
| Columbia, SC | 7 | $ 755,000 | $ 107,857 | $ 131,000 |
| Columbus, GA-AL | 7 | $ 395,000 | $ 56,428 | $ 122,142 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,275,000 | $ 182,142 | $ 135,000 |
| Greeley, CO | 7 | $ 395,000 | $ 56,428 | $ 157,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 745,000 | $ 106,428 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 455,000 | $ 65,000 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 415,000 | $ 59,285 | $ 90,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 2,005,000 | $ 286,428 | $ 253,000 |
| Santa Rosa, CA | 7 | $ 485,000 | $ 69,285 | $ 213,000 |
| Winston-Salem, NC | 7 | $ 345,000 | $ 49,285 | $ 84,000 |
| Canton-Massillon, OH | 6 | $ 270,000 | $ 45,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 550,000 | $ 91,666 | $ 108,000 |
| Greensboro-High Point, NC | 6 | $ 300,000 | $ 50,000 | $ 107,000 |
| Norwich-New London, CT | 6 | $ 1,040,000 | $ 173,333 | $ 114,000 |
| Provo-Orem, UT | 6 | $ 330,000 | $ 55,000 | $ 104,000 |
| Savannah, GA | 6 | $ 450,000 | $ 75,000 | $ 159,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 460,000 | $ 76,666 | $ 89,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 710,000 | $ 118,333 | $ 165,000 |
| Wilmington, NC | 6 | $ 500,000 | $ 83,333 | $ 138,000 |
| Akron, OH | 5 | $ 335,000 | $ 67,000 | $ 183,000 |
| Athens-Clarke County, GA | 5 | $ 645,000 | $ 129,000 | $ 223,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 465,000 | $ 93,000 | $ 145,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 595,000 | $ 119,000 | $ 112,000 |
| Des Moines-West Des Moines, IA | 5 | $ 325,000 | $ 65,000 | $ 119,000 |
| Gulfport-Biloxi-Pascagoula, MS | 5 | $ 265,000 | $ 53,000 | $ 104,000 |
| Manchester-Nashua, NH | 5 | $ 575,000 | $ 115,000 | $ 142,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 345,000 | $ 69,000 | $ 79,000 |
| Rockingham County-Strafford County, NH | 5 | $ 405,000 | $ 81,000 | $ 179,000 |
| Saginaw, MI | 5 | $ 205,000 | $ 41,000 | $ 100,000 |
| San Rafael, CA | 5 | $ 685,000 | $ 137,000 | $ 240,000 |
| Springfield, MA | 5 | $ 495,000 | $ 99,000 | $ 133,000 |
| Topeka, KS | 5 | $ 235,000 | $ 47,000 | $ 123,000 |
| Trenton, NJ | 5 | $ 1,015,000 | $ 203,000 | $ 224,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 265,000 | $ 53,000 | $ 80,000 |
| Anchorage, AK | 4 | $ 260,000 | $ 65,000 | $ 138,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 430,000 | $ 107,500 | $ 122,500 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 670,000 | $ 167,500 | $ 254,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 200,000 | $ 50,000 | $ 129,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 150,000 | $ 37,500 | $ 60,000 |
| Durham-Chapel Hill, NC | 4 | $ 390,000 | $ 97,500 | $ 175,000 |
| Erie, PA | 4 | $ 180,000 | $ 45,000 | $ 72,000 |
| Evansville, IN-KY | 4 | $ 310,000 | $ 77,500 | $ 99,000 |
| Flint, MI | 4 | $ 190,000 | $ 47,500 | $ 327,000 |
| Fort Wayne, IN | 4 | $ 230,000 | $ 57,500 | $ 159,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,020,000 | $ 255,000 | $ 151,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 240,000 | $ 60,000 | $ 74,000 |
| Huntsville, AL | 4 | $ 240,000 | $ 60,000 | $ 140,000 |
| Kennewick-Richland, WA | 4 | $ 270,000 | $ 67,500 | $ 111,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 220,000 | $ 55,000 | $ 76,750 |
| Medford, OR | 4 | $ 440,000 | $ 110,000 | $ 154,000 |
| New Orleans-Metairie, LA | 4 | $ 470,000 | $ 117,500 | $ 142,000 |
| Ogden-Clearfield, UT | 4 | $ 330,000 | $ 82,500 | $ 110,000 |
| Panama City, FL | 4 | $ 180,000 | $ 45,000 | $ 92,000 |
| Portland-South Portland, ME | 4 | $ 310,000 | $ 77,500 | $ 154,000 |
| Roanoke, VA | 4 | $ 520,000 | $ 130,000 | $ 114,000 |
| Salinas, CA | 4 | $ 420,000 | $ 105,000 | $ 111,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 330,000 | $ 82,500 | $ 190,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 220,000 | $ 55,000 | $ 85,000 |
| Tallahassee, FL | 4 | $ 270,000 | $ 67,500 | $ 94,000 |
| Visalia-Porterville, CA | 4 | $ 230,000 | $ 57,500 | $ 155,000 |
| Wichita, KS | 4 | $ 210,000 | $ 52,500 | $ 130,000 |
| York-Hanover, PA | 4 | $ 310,000 | $ 77,500 | $ 84,000 |
| Yuba City, CA | 4 | $ 410,000 | $ 102,500 | $ 157,000 |
| Bellingham, WA | 3 | $ 205,000 | $ 68,333 | $ 128,000 |
| Bloomington, IN | 3 | $ 235,000 | $ 78,333 | $ 106,000 |
| Casper, WY | 3 | $ 165,000 | $ 55,000 | $ 180,000 |
| Chico, CA | 3 | $ 385,000 | $ 128,333 | $ 148,000 |
| Dalton, GA | 3 | $ 175,000 | $ 58,333 | $ 83,000 |
| Fort Collins, CO | 3 | $ 485,000 | $ 161,666 | $ 175,000 |
| Gainesville, FL | 3 | $ 375,000 | $ 125,000 | $ 129,000 |
| Glens Falls, NY | 3 | $ 915,000 | $ 305,000 | $ 187,000 |
| Goldsboro, NC | 3 | $ 205,000 | $ 68,333 | $ 68,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,435,000 | $ 478,333 | $ 169,333 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 205,000 | $ 68,333 | $ 103,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 295,000 | $ 98,333 | $ 98,000 |
| Kalamazoo-Portage, MI | 3 | $ 275,000 | $ 91,666 | $ 131,000 |
| Kenosha, WI | 3 | $ 205,000 | $ 68,333 | $ 176,000 |
| Lansing-East Lansing, MI | 3 | $ 75,000 | $ 25,000 | $ 80,000 |
| Lynchburg, VA | 3 | $ 455,000 | $ 151,666 | $ 188,000 |
| Mobile, AL | 3 | $ 225,000 | $ 75,000 | $ 183,000 |
| Muskegon, MI | 3 | $ 95,000 | $ 31,666 | $ 88,000 |
| Olympia-Tumwater, WA | 3 | $ 525,000 | $ 175,000 | $ 216,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 285,000 | $ 95,000 | $ 150,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 125,000 | $ 41,666 | $ 87,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 245,000 | $ 81,666 | $ 133,000 |
| Reading, PA | 3 | $ 215,000 | $ 71,666 | $ 90,000 |
| Redding, CA | 3 | $ 195,000 | $ 65,000 | $ 98,000 |
| Rome, GA | 3 | $ 175,000 | $ 58,333 | $ 109,000 |
| Sioux Falls, SD | 3 | $ 525,000 | $ 175,000 | $ 63,000 |
| Springfield, IL | 3 | $ 215,000 | $ 71,666 | $ 134,000 |
| Springfield, MO | 3 | $ 255,000 | $ 85,000 | $ 217,000 |
| Sumter, SC | 3 | $ 525,000 | $ 175,000 | $ 102,000 |
| Wildwood-The Villages, FL | 3 | $ 115,000 | $ 38,333 | $ 94,000 |
| Winchester, VA-WV | 3 | $ 145,000 | $ 48,333 | $ 139,000 |
| Albany, OR | 2 | $ 60,000 | $ 30,000 | $ 93,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 710,000 | $ 355,000 | $ 143,000 |
| Appleton, WI | 2 | $ 160,000 | $ 80,000 | $ 188,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 90,000 | $ 45,000 | $ 99,000 |
| Austin-Round Rock, TX | 2 | $ 180,000 | $ 90,000 | $ 137,000 |
| Barnstable Town, MA | 2 | $ 410,000 | $ 205,000 | $ 206,000 |
| Baton Rouge, LA | 2 | $ 70,000 | $ 35,000 | $ 172,000 |
| Bend-Redmond, OR | 2 | $ 140,000 | $ 70,000 | $ 128,000 |
| Brunswick, GA | 2 | $ 340,000 | $ 170,000 | $ 175,000 |
| Coeur D'Alene, ID | 2 | $ 590,000 | $ 295,000 | $ 172,000 |
| Colorado Springs, CO | 2 | $ 110,000 | $ 55,000 | $ 89,000 |
| Dothan, AL | 2 | $ 50,000 | $ 25,000 | $ 59,000 |
| El Paso, TX | 2 | $ 210,000 | $ 105,000 | $ 76,000 |
| Elkhart-Goshen, IN | 2 | $ 90,000 | $ 45,000 | $ 98,000 |
| Fargo, ND-MN | 2 | $ 70,000 | $ 35,000 | $ 76,000 |
| Fayetteville, NC | 2 | $ 70,000 | $ 35,000 | $ 56,000 |
| Florence, SC | 2 | $ 90,000 | $ 45,000 | $ 31,000 |
| Florence-Muscle Shoals, AL | 2 | $ 80,000 | $ 40,000 | $ 76,000 |
| Gainesville, GA | 2 | $ 110,000 | $ 55,000 | $ 89,000 |
| Gettysburg, PA | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Grand Junction, CO | 2 | $ 90,000 | $ 45,000 | $ 95,000 |
| Green Bay, WI | 2 | $ 230,000 | $ 115,000 | $ 135,000 |
| Greenville, NC | 2 | $ 230,000 | $ 115,000 | $ 229,000 |
| Homosassa Springs, FL | 2 | $ 130,000 | $ 65,000 | $ 72,000 |
| Hot Springs, AR | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Jackson, MS | 2 | $ 60,000 | $ 30,000 | $ 172,000 |
| Jacksonville, NC | 2 | $ 70,000 | $ 35,000 | $ 73,000 |
| Jefferson City, MO | 2 | $ 170,000 | $ 85,000 | $ 131,000 |
| Johnson City, TN | 2 | $ 80,000 | $ 40,000 | $ 60,000 |
| Joplin, MO | 2 | $ 70,000 | $ 35,000 | $ 89,500 |
| Kingston, NY | 2 | $ 350,000 | $ 175,000 | $ 46,000 |
| Lake Charles, LA | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 110,000 | $ 55,000 | $ 120,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 120,000 | $ 60,000 | $ 129,000 |
| Lancaster, PA | 2 | $ 140,000 | $ 70,000 | $ 134,000 |
| Las Cruces, NM | 2 | $ 60,000 | $ 30,000 | $ 87,000 |
| Lima, OH | 2 | $ 90,000 | $ 45,000 | $ 69,000 |
| Macon-Bibb County, GA | 2 | $ 90,000 | $ 45,000 | $ 71,000 |
| Madison, WI | 2 | $ 80,000 | $ 40,000 | $ 101,000 |
| Muncie, IN | 2 | $ 100,000 | $ 50,000 | $ 114,000 |
| Niles-Benton Harbor, MI | 2 | $ 60,000 | $ 30,000 | $ 67,000 |
| Oshkosh-Neenah, WI | 2 | $ 80,000 | $ 40,000 | $ 115,000 |
| Punta Gorda, FL | 2 | $ 250,000 | $ 125,000 | $ 166,000 |
| Rochester, NY | 2 | $ 410,000 | $ 205,000 | $ 122,000 |
| San Antonio-New Braunfels, TX | 2 | $ 410,000 | $ 205,000 | $ 501,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 150,000 | $ 75,000 | $ 241,000 |
| Sebring, FL | 2 | $ 110,000 | $ 55,000 | $ 72,000 |
| Slidell-Mandeville-Covington, LA | 2 | $ 140,000 | $ 70,000 | $ 129,000 |
| Syracuse, NY | 2 | $ 300,000 | $ 150,000 | $ 171,000 |
| Toledo, OH | 2 | $ 90,000 | $ 45,000 | $ 108,000 |
| Valdosta, GA | 2 | $ 110,000 | $ 55,000 | $ 126,000 |
| Warner Robins, GA | 2 | $ 70,000 | $ 35,000 | $ 100,000 |
| Ames, IA | 1 | $ 335,000 | $ 335,000 | $ 550,000 |
| Amherst Town-Northampton, MA | 1 | $ 205,000 | $ 205,000 | $ 465,000 |
| Ann Arbor, MI | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Asheville, NC | 1 | $ 125,000 | $ 125,000 | $ 226,000 |
| Battle Creek, MI | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Binghamton, NY | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Bismarck, ND | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Bloomington, IL | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Boise City, ID | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Bremerton-Silverdale, WA | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Burlington, NC | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Champaign-Urbana, IL | 1 | $ 75,000 | $ 75,000 | $ 220,000 |
| Charlottesville, VA | 1 | $ 145,000 | $ 145,000 | $ 160,000 |
| Cheyenne, WY | 1 | $ 35,000 | $ 35,000 | $ 123,000 |
| Clarksville, TN-KY | 1 | $ 185,000 | $ 185,000 | $ 591,000 |
| Columbia, MO | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Corpus Christi, TX | 1 | $ 65,000 | $ 65,000 | $ 215,000 |
| Decatur, AL | 1 | $ 125,000 | $ 125,000 | $ 209,000 |
| Duluth, MN-WI | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Eau Claire, WI | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Eugene, OR | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Fairbanks, AK | 1 | $ 65,000 | $ 65,000 | $ 115,000 |
| Flagstaff, AZ | 1 | $ 185,000 | $ 185,000 | $ 155,000 |
| Fort Smith, AR-OK | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Grants Pass, OR | 1 | $ 25,000 | $ 25,000 | $ 157,000 |
| Harrisburg-Carlisle, PA | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Helena, MT | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Idaho Falls, ID | 1 | $ 125,000 | $ 125,000 | $ 119,000 |
| Iowa City, IA | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Ithaca, NY | 1 | $ 445,000 | $ 445,000 | $ 267,000 |
| Jackson, MI | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Janesville-Beloit, WI | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Jonesboro, AR | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Killeen-Temple, TX | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Lafayette, LA | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Lafayette-West Lafayette, IN | 1 | $ 35,000 | $ 35,000 | $ 178,000 |
| Lewiston-Auburn, ME | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Mankato-North Mankato, MN | 1 | $ 15,000 | $ 15,000 | $ 93,000 |
| Merced, CA | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Midland, MI | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Missoula, MT | 1 | $ 215,000 | $ 215,000 | $ 196,000 |
| Monroe, MI | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Morristown, TN | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Peoria, IL | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 65,000 | $ 65,000 | $ 222,000 |
| Pittsfield, MA | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Pocatello, ID | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Pueblo, CO | 1 | $ 255,000 | $ 255,000 | $ 203,000 |
| Rapid City, SD | 1 | $ 55,000 | $ 55,000 | $ 142,000 |
| Rockford, IL | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| San Angelo, TX | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 255,000 | $ 255,000 | $ 225,000 |
| Santa Fe, NM | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Sebastian-Vero Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 140,000 |
| Sheboygan, WI | 1 | $ 65,000 | $ 65,000 | $ 140,000 |
| Shreveport-Bossier City, LA | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Spartanburg, SC | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Spokane-Spokane Valley, WA | 1 | $ 205,000 | $ 205,000 | $ 600,000 |
| Springfield, OH | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| St. Cloud, MN | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Traverse City, MI | 1 | $ 115,000 | $ 115,000 | $ 134,000 |
| Twin Falls, ID | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Urban Honolulu, HI | 1 | $ 455,000 | $ 455,000 | $ 314,000 |
| Vineland-Bridgeton, NJ | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Walla Walla, WA | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Wichita Falls, TX | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Williamsport, PA | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Yuma, AZ | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Teachers Federal Credit Union in 2024
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 | 2,671 | $304,265,000 | $113,000 | $1,005,000 | $167,000 | $9,600,000 |
| Cash-out Refinancing | 1,434 | $234,310,000 | $163,000 | $5,505,000 | $148,000 | $7,533,000 |
| Home Improvement | 796 | $73,100,000 | $91,000 | $505,000 | $152,000 | $1,500,000 |
| Home Purchase | 752 | $445,510,000 | $592,000 | $5,735,000 | $227,000 | $3,218,000 |
| Refinancing | 217 | $44,745,000 | $206,000 | $1,275,000 | $162,000 | $2,136,000 |
| 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 | 3,537 | $612,815,000 | $173,000 | $5,735,000 | $171,000 | $9,600,000 |
| Hispanic | 810 | $145,880,000 | $180,000 | $5,005,000 | $153,000 | $7,533,000 |
| Not Provided | 698 | $126,290,000 | $180,000 | $4,585,000 | $161,000 | $1,641,000 |
| Asian | 416 | $161,260,000 | $387,000 | $5,005,000 | $213,000 | $3,307,000 |
| Black or African American | 365 | $50,535,000 | $138,000 | $1,115,000 | $136,000 | $580,000 |
| American Indian or Alaskan Native | 28 | $3,260,000 | $116,000 | $555,000 | $135,000 | $591,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $1,890,000 | $118,000 | $405,000 | $100,000 | $230,000 |
| 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) | 5,860 | $1,091,620,000 | $186,000 | $5,735,000 | $167,000 | $9,600,000 |
| VA-guaranteed (Veterans Administration) | 10 | $10,310,000 | $1,031,000 | $4,505,000 | $420,000 | $2,300,000 |
| 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 |
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 | 2,288 | $526,890,000 | $230,000 | $5,735,000 | $167,000 | $2,021,000 |
| Loan Purchased By The Institution | 2,152 | $168,120,000 | $78,000 | $405,000 | $146,000 | $1,500,000 |
| Application Withdrawn By Applicant | 633 | $167,785,000 | $265,000 | $3,835,000 | $222,000 | $9,600,000 |
| File Closed For Incompleteness | 361 | $80,975,000 | $224,000 | $2,245,000 | $248,000 | $7,982,000 |
| Application Denied By Financial Institution | 235 | $74,125,000 | $315,000 | $5,505,000 | $122,000 | $2,300,000 |
| Preapproval Approved but not Accepted | 103 | $56,865,000 | $552,000 | $4,585,000 | $173,000 | $626,000 |
| Application Approved But Not Accepted | 77 | $17,875,000 | $232,000 | $1,845,000 | $142,000 | $481,000 |
| Preapproval Denied by Financial Institution | 21 | $9,295,000 | $442,000 | $1,145,000 | $116,000 | $326,000 |
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 | 5,614 | $1,018,510,000 | $181,000 | $5,735,000 | $170,000 | $9,600,000 |
| Debt-To-Income Ratio | 146 | $49,830,000 | $341,000 | $4,315,000 | $92,000 | $469,000 |
| Credit History | 70 | $13,960,000 | $199,000 | $5,505,000 | $131,000 | $615,000 |
| Other | 13 | $8,435,000 | $648,000 | $4,505,000 | $312,000 | $2,300,000 |
| Collateral | 13 | $7,375,000 | $567,000 | $1,905,000 | $217,000 | $546,000 |
| Unverifiable Information | 8 | $1,500,000 | $187,000 | $355,000 | $105,000 | $179,000 |
| Mortgage Insurance Denied | 3 | $1,115,000 | $371,000 | $575,000 | $85,000 | $157,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $990,000 | $495,000 | $505,000 | $193,000 | $218,000 |
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Teachers Federal Credit Union's 2024 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.
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