Tiaa-Cref Trust Company FSB Mortgage Lending & HMDA Data, 2014

In 2014, Tiaa-Cref Trust Company FSB of St. Louis, MO reported 1,871 mortgage applications totaling $690.8 million, up 3% from 2013. The average application was for $369,235, and applicants reported an average income of $168,556. 22% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (107), New York-Jersey City-White Plains, NY-NJ (92) and Charlotte-Concord-Gastonia, NC-SC (84) (applications in parentheses).

Mortgage Company & Address Tiaa-Cref Trust Company FSB
211 North Broadway, Ste 1000
St. Louis, MO 63102
Tel #: available with data download
Federal Regulator * available with data download
Years 2017  2016  2015  2014  2013  2012  
Total Number of Mortgage Applications 1,871
Total Mortgage Loan Application Amount $690,839,000
Average Mortgage Loan Application Amount $369,235
Highest Mortgage Loan Application Amount $2,246,000
Average Applicant Income $168,556
Highest Applicant Income $2,856,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tiaa-Cref Trust Company FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Tiaa-Cref Trust Company FSB by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 65 $ 41,181,000 $ 633,553 $ 209,000
Mecklenburg, North Carolina 53 $ 14,500,000 $ 273,584 $ 147,000
St. Louis, Missouri 46 $ 8,936,000 $ 194,260 $ 101,000
Cook, Illinois 40 $ 14,883,000 $ 372,075 $ 181,000
San Diego, California 37 $ 21,310,000 $ 575,945 $ 181,000
Santa Clara, California 37 $ 25,967,000 $ 701,810 $ 217,000
Orange, California 36 $ 23,527,000 $ 653,527 $ 197,000
St. Charles, Missouri 24 $ 4,164,000 $ 173,500 $ 73,000
King, Washington 24 $ 11,875,000 $ 494,791 $ 174,000
Alameda, California 23 $ 15,760,000 $ 685,217 $ 219,000
Contra Costa, California 22 $ 14,721,000 $ 669,136 $ 202,000
San Mateo, California 22 $ 18,814,000 $ 855,181 $ 232,000
Miami-Dade, Florida 21 $ 8,212,000 $ 391,047 $ 197,000
Clark, Nevada 20 $ 6,443,000 $ 322,150 $ 219,000
Philadelphia, Pennsylvania 20 $ 2,608,000 $ 130,400 $ 81,000
Harris, Texas 19 $ 7,425,000 $ 390,789 $ 211,000
Maricopa, Arizona 18 $ 7,978,000 $ 443,222 $ 228,000
New York, New York 17 $ 7,006,000 $ 412,117 $ 152,000
District of Columbia, District Of Columbia 16 $ 10,378,000 $ 648,625 $ 254,000
Montgomery, Maryland 16 $ 10,206,000 $ 637,875 $ 262,000
Kings, New York 16 $ 4,867,000 $ 304,187 $ 91,000
Middlesex, Massachusetts 15 $ 7,115,000 $ 474,333 $ 189,000
Norfolk, Massachusetts 15 $ 7,236,000 $ 482,400 $ 214,000
Oakland, Michigan 15 $ 6,871,000 $ 458,066 $ 235,000
St. Louis City, Missouri 15 $ 1,662,000 $ 110,800 $ 70,000
Suffolk, New York 15 $ 4,860,000 $ 324,000 $ 139,000
Dallas, Texas 15 $ 7,851,000 $ 523,400 $ 269,000
Fairfax, Virginia 15 $ 7,065,000 $ 471,000 $ 197,000
Denver, Colorado 14 $ 6,110,000 $ 436,428 $ 200,000
Fulton, Georgia 14 $ 6,303,000 $ 450,214 $ 258,000
DuPage, Illinois 13 $ 6,163,000 $ 474,076 $ 216,000
Montgomery, Pennsylvania 13 $ 3,524,000 $ 271,076 $ 125,000
Jefferson, Colorado 12 $ 3,610,000 $ 300,833 $ 118,000
Wayne, Michigan 12 $ 3,934,000 $ 327,833 $ 205,000
Westchester, New York 12 $ 4,398,000 $ 366,500 $ 217,000
Shelby, Tennessee 12 $ 3,309,000 $ 275,750 $ 132,000
Travis, Texas 12 $ 7,748,000 $ 645,666 $ 284,000
Palm Beach, Florida 11 $ 4,187,000 $ 380,636 $ 182,000
San Francisco, California 10 $ 7,844,000 $ 784,400 $ 236,000
St. Clair, Illinois 10 $ 1,218,000 $ 121,800 $ 62,000
Washtenaw, Michigan 10 $ 1,853,000 $ 185,300 $ 94,000
Bergen, New Jersey 10 $ 5,333,000 $ 533,300 $ 283,000
Somerset, New Jersey 10 $ 3,768,000 $ 376,800 $ 146,000
Nassau, New York 10 $ 3,438,000 $ 343,800 $ 171,000
Cuyahoga, Ohio 10 $ 1,535,000 $ 153,500 $ 115,000
Collin, Texas 10 $ 2,559,000 $ 255,900 $ 171,000
Montgomery, Texas 10 $ 4,274,000 $ 427,400 $ 241,000
Riverside, California 9 $ 3,182,000 $ 353,555 $ 207,000
Ventura, California 9 $ 6,143,000 $ 682,555 $ 217,000
DeKalb, Georgia 9 $ 2,550,000 $ 283,333 $ 140,000
Essex, Massachusetts 9 $ 3,982,000 $ 442,444 $ 191,000
Queens, New York 9 $ 2,780,000 $ 308,888 $ 86,000
Delaware, Pennsylvania 9 $ 1,771,000 $ 196,777 $ 125,000
Marin, California 8 $ 4,817,000 $ 602,125 $ 216,000
Fairfield, Connecticut 8 $ 4,272,000 $ 534,000 $ 313,000
Broward, Florida 8 $ 3,724,000 $ 465,500 $ 462,000
Madison, Illinois 8 $ 1,239,000 $ 154,875 $ 77,000
Baltimore, Maryland 8 $ 1,704,000 $ 213,000 $ 155,000
Suffolk, Massachusetts 8 $ 3,191,000 $ 398,875 $ 209,000
Union, North Carolina 8 $ 1,807,000 $ 225,875 $ 102,000
Allegheny, Pennsylvania 8 $ 792,000 $ 99,000 $ 56,000
Bexar, Texas 8 $ 2,304,000 $ 288,000 $ 164,000
Arlington, Virginia 8 $ 3,826,000 $ 478,250 $ 170,000
Jefferson, Alabama 7 $ 2,378,000 $ 339,714 $ 144,000
Orleans, Louisiana 7 $ 1,537,000 $ 219,571 $ 105,000
Baltimore City, Maryland 7 $ 1,796,000 $ 256,571 $ 109,000
Bernalillo, New Mexico 7 $ 2,125,000 $ 303,571 $ 144,000
Cabarrus, North Carolina 7 $ 1,703,000 $ 243,285 $ 138,000
Guilford, North Carolina 7 $ 962,000 $ 137,428 $ 70,000
Bucks, Pennsylvania 7 $ 2,291,000 $ 327,285 $ 111,000
York, South Carolina 7 $ 1,932,000 $ 276,000 $ 93,000
Denton, Texas 7 $ 3,418,000 $ 488,285 $ 248,000
Pima, Arizona 6 $ 1,472,000 $ 245,333 $ 221,000
El Paso, Colorado 6 $ 1,461,000 $ 243,500 $ 106,000
Gwinnett, Georgia 6 $ 2,098,000 $ 349,666 $ 174,000
Anne Arundel, Maryland 6 $ 2,359,000 $ 393,166 $ 144,000
Howard, Maryland 6 $ 2,591,000 $ 431,833 $ 187,000
Barnstable, Massachusetts 6 $ 1,363,000 $ 227,166 $ 128,000
Hennepin, Minnesota 6 $ 1,272,000 $ 212,000 $ 120,000
Essex, New Jersey 6 $ 2,797,000 $ 466,166 $ 199,000
Monroe, New York 6 $ 1,065,000 $ 177,500 $ 142,000
Hamilton, Ohio 6 $ 2,210,000 $ 368,333 $ 268,000
Fort Bend, Texas 6 $ 2,554,000 $ 425,666 $ 225,000
San Bernardino, California 5 $ 4,088,000 $ 817,600 $ 278,000
Santa Barbara, California 5 $ 3,677,000 $ 735,400 $ 235,000
Arapahoe, Colorado 5 $ 950,000 $ 190,000 $ 193,000
Boulder, Colorado 5 $ 1,533,000 $ 306,600 $ 174,000
New Haven, Connecticut 5 $ 1,626,000 $ 325,200 $ 118,000
Seminole, Florida 5 $ 1,146,000 $ 229,200 $ 173,000
Volusia, Florida 5 $ 699,000 $ 139,800 $ 75,000
Lake, Illinois 5 $ 3,092,000 $ 618,400 $ 279,000
Johnson, Kansas 5 $ 1,953,000 $ 390,600 $ 152,000
Fayette, Kentucky 5 $ 1,673,000 $ 334,600 $ 499,000
Hudson, New Jersey 5 $ 1,283,000 $ 256,600 $ 96,000
Middlesex, New Jersey 5 $ 833,000 $ 166,600 $ 103,000
Bronx, New York 5 $ 1,438,000 $ 287,600 $ 124,000
Erie, New York 5 $ 941,000 $ 188,200 $ 147,000
Gaston, North Carolina 5 $ 682,000 $ 136,400 $ 76,000
Franklin, Ohio 5 $ 1,713,000 $ 342,600 $ 175,000
Davidson, Tennessee 5 $ 1,227,000 $ 245,400 $ 91,000
Tarrant, Texas 5 $ 1,591,000 $ 318,200 $ 195,000
Snohomish, Washington 5 $ 1,677,000 $ 335,400 $ 123,000
Monongalia, West Virginia 5 $ 644,000 $ 128,800 $ 67,000
Baldwin, Alabama 4 $ 826,000 $ 206,500 $ 96,000
Yavapai, Arizona 4 $ 1,429,000 $ 357,250 $ 112,000
Benton, Arkansas 4 $ 545,000 $ 136,250 $ 101,000
Sacramento, California 4 $ 1,828,000 $ 457,000 $ 254,000
Adams, Colorado 4 $ 1,113,000 $ 278,250 $ 108,000
Douglas, Colorado 4 $ 1,163,000 $ 290,750 $ 121,000
Larimer, Colorado 4 $ 1,389,000 $ 347,250 $ 187,000
New Castle, Delaware 4 $ 1,359,000 $ 339,750 $ 103,000
Collier, Florida 4 $ 2,735,000 $ 683,750 $ 507,000
Lee, Florida 4 $ 562,000 $ 140,500 $ 68,000
Orange, Florida 4 $ 1,739,000 $ 434,750 $ 200,000
St. Johns, Florida 4 $ 1,796,000 $ 449,000 $ 193,000
Bristol, Massachusetts 4 $ 1,266,000 $ 316,500 $ 118,000
Washoe, Nevada 4 $ 1,545,000 $ 386,250 $ 244,000
Grafton, New Hampshire 4 $ 663,000 $ 165,750 $ 131,000
Santa Fe, New Mexico 4 $ 1,665,000 $ 416,250 $ 149,000
Wake, North Carolina 4 $ 1,535,000 $ 383,750 $ 159,000
Tulsa, Oklahoma 4 $ 1,594,000 $ 398,500 $ 306,000
Clackamas, Oregon 4 $ 2,152,000 $ 538,000 $ 356,000
Multnomah, Oregon 4 $ 598,000 $ 149,500 $ 45,000
Beaufort, South Carolina 4 $ 1,996,000 $ 499,000 $ 227,000
Chittenden, Vermont 4 $ 2,490,000 $ 622,500 $ 245,000
Pierce, Washington 4 $ 2,313,000 $ 578,250 $ 320,000
Hartford, Connecticut 3 $ 599,000 $ 199,666 $ 87,000
Hillsborough, Florida 3 $ 1,237,000 $ 412,333 $ 190,000
Sumter, Florida 3 $ 1,361,000 $ 453,666 $ 137,000
Lake, Indiana 3 $ 200,000 $ 66,666 $ 53,000
Marion, Indiana 3 $ 390,000 $ 130,000 $ 59,000
York, Maine 3 $ 586,000 $ 195,333 $ 147,000
Plymouth, Massachusetts 3 $ 3,243,000 $ 1,081,000 $ 364,000
Worcester, Massachusetts 3 $ 1,420,000 $ 473,333 $ 200,000
Ramsey, Minnesota 3 $ 1,541,000 $ 513,666 $ 174,000
St. Louis, Minnesota 3 $ 708,000 $ 236,000 $ 93,000
Jackson, Missouri 3 $ 1,383,000 $ 461,000 $ 178,000
Cape May, New Jersey 3 $ 1,943,000 $ 647,666 $ 312,000
Monmouth, New Jersey 3 $ 1,464,000 $ 488,000 $ 455,000
Ocean, New Jersey 3 $ 363,000 $ 121,000 $ 51,000
Richmond, New York 3 $ 1,136,000 $ 378,666 $ 94,000
Rockland, New York 3 $ 859,000 $ 286,333 $ 105,000
Durham, North Carolina 3 $ 591,000 $ 197,000 $ 120,000
Iredell, North Carolina 3 $ 854,000 $ 284,666 $ 115,000
Centre, Pennsylvania 3 $ 504,000 $ 168,000 $ 60,000
Chester, Pennsylvania 3 $ 1,100,000 $ 366,666 $ 116,000
Northampton, Pennsylvania 3 $ 1,123,000 $ 374,333 $ 207,000
Richland, South Carolina 3 $ 396,000 $ 132,000 $ 40,000
Hamilton, Tennessee 3 $ 866,000 $ 288,666 $ 192,000
Wilson, Tennessee 3 $ 539,000 $ 179,666 $ 92,000
Albemarle, Virginia 3 $ 1,763,000 $ 587,666 $ 134,000
Loudoun, Virginia 3 $ 2,000,000 $ 666,666 $ 835,000
Kitsap, Washington 3 $ 1,241,000 $ 413,666 $ 103,000
Spokane, Washington 3 $ 845,000 $ 281,666 $ 117,000
Thurston, Washington 3 $ 503,000 $ 167,666 $ 80,000
Macon, Alabama 2 $ 108,000 $ 54,000 $ 37,000
Mobile, Alabama 2 $ 392,000 $ 196,000 $ 158,000
Pinal, Arizona 2 $ 200,000 $ 100,000 $ 26,000
El Dorado, California 2 $ 840,000 $ 420,000 $ 315,000
Mono, California 2 $ 1,937,000 $ 968,500 $ 2,008,000
Nevada, California 2 $ 1,127,000 $ 563,500 $ 344,000
San Joaquin, California 2 $ 484,000 $ 242,000 $ 151,000
San Luis Obispo, California 2 $ 1,293,000 $ 646,500 $ 249,000
Sonoma, California 2 $ 1,415,000 $ 707,500 $ 318,000
Broomfield, Colorado 2 $ 1,273,000 $ 636,500 $ 149,000
Gilpin, Colorado 2 $ 316,000 $ 158,000 $ 87,000
Sussex, Delaware 2 $ 2,274,000 $ 1,137,000 $ 865,000
Duval, Florida 2 $ 170,000 $ 85,000 $ 47,000
Leon, Florida 2 $ 387,000 $ 193,500 $ 121,000
Martin, Florida 2 $ 232,000 $ 116,000 $ 70,000
Monroe, Florida 2 $ 245,000 $ 122,500 $ 125,000
Pinellas, Florida 2 $ 537,000 $ 268,500 $ 174,000
Honolulu, Hawaii 2 $ 618,000 $ 309,000 $ 85,000
Blaine, Idaho 2 $ 1,047,000 $ 523,500 $ 144,000
Kane, Illinois 2 $ 1,162,000 $ 581,000 $ 296,000
McHenry, Illinois 2 $ 442,000 $ 221,000 $ 47,000
Will, Illinois 2 $ 1,055,000 $ 527,500 $ 231,000
Delaware, Indiana 2 $ 99,000 $ 49,500 $ 45,000
Marshall, Indiana 2 $ 691,000 $ 345,500 $ 232,000
St. Joseph, Indiana 2 $ 284,000 $ 142,000 $ 72,000
Warrick, Indiana 2 $ 149,000 $ 74,500 $ 121,000
Iowa, Iowa 2 $ 225,000 $ 112,500 $ 72,000
Polk, Iowa 2 $ 122,000 $ 61,000 $ 62,000
Douglas, Kansas 2 $ 231,000 $ 115,500 $ 47,000
Jefferson, Louisiana 2 $ 218,000 $ 109,000 $ 126,000
Cumberland, Maine 2 $ 865,000 $ 432,500 $ 248,000
Carroll, Maryland 2 $ 660,000 $ 330,000 $ 126,000
Frederick, Maryland 2 $ 463,000 $ 231,500 $ 204,000
Harford, Maryland 2 $ 173,000 $ 86,500 $ 57,000
Prince George's, Maryland 2 $ 346,000 $ 173,000 $ 53,000
Dukes, Massachusetts 2 $ 619,000 $ 309,500 $ 137,000
Calhoun, Michigan 2 $ 261,000 $ 130,500 $ 136,000
Kalamazoo, Michigan 2 $ 201,000 $ 100,500 $ 51,000
Kent, Michigan 2 $ 608,000 $ 304,000 $ 326,000
Dakota, Minnesota 2 $ 605,000 $ 302,500 $ 104,000
Washington, Minnesota 2 $ 743,000 $ 371,500 $ 165,000
Flathead, Montana 2 $ 1,409,000 $ 704,500 $ 220,000
Douglas, Nebraska 2 $ 221,000 $ 110,500 $ 84,000
Hillsborough, New Hampshire 2 $ 495,000 $ 247,500 $ 121,000
Atlantic, New Jersey 2 $ 1,086,000 $ 543,000 $ 238,000
Mercer, New Jersey 2 $ 330,000 $ 165,000 $ 130,000
Morris, New Jersey 2 $ 1,145,000 $ 572,500 $ 202,000
Sandoval, New Mexico 2 $ 696,000 $ 348,000 $ 56,000
Columbia, New York 2 $ 366,000 $ 183,000 $ 152,000
Cortland, New York 2 $ 72,000 $ 36,000 $ 52,000
Otsego, New York 2 $ 321,000 $ 160,500 $ 65,000
Ulster, New York 2 $ 590,000 $ 295,000 $ 119,000
Cumberland, North Carolina 2 $ 205,000 $ 102,500 $ 77,000
New Hanover, North Carolina 2 $ 473,000 $ 236,500 $ 57,000
Watauga, North Carolina 2 $ 569,000 $ 284,500 $ 129,000
Delaware, Ohio 2 $ 751,000 $ 375,500 $ 323,000
Warren, Ohio 2 $ 1,204,000 $ 602,000 $ 296,000
Wood, Ohio 2 $ 361,000 $ 180,500 $ 178,000
Oklahoma, Oklahoma 2 $ 660,000 $ 330,000 $ 131,000
Lane, Oregon 2 $ 374,000 $ 187,000 $ 58,000
Dauphin, Pennsylvania 2 $ 392,000 $ 196,000 $ 91,000
Lancaster, Pennsylvania 2 $ 181,000 $ 90,500 $ 48,000
Dorchester, South Carolina 2 $ 213,000 $ 106,500 $ 82,000
Lexington, South Carolina 2 $ 739,000 $ 369,500 $ 146,000
Williamson, Tennessee 2 $ 1,234,000 $ 617,000 $ 194,000
Brazoria, Texas 2 $ 280,000 $ 140,000 $ 109,000
Brazos, Texas 2 $ 240,000 $ 120,000 $ 150,000
Galveston, Texas 2 $ 135,000 $ 67,500 $ 21,000
McLennan, Texas 2 $ 349,000 $ 174,500 $ 101,000
Nueces, Texas 2 $ 481,000 $ 240,500 $ 86,000
Smith, Texas 2 $ 333,000 $ 166,500 $ 79,000
Williamson, Texas 2 $ 968,000 $ 484,000 $ 146,000
Cache, Utah 2 $ 283,000 $ 141,500 $ 56,000
Alexandria, Virginia 2 $ 452,000 $ 226,000 $ 68,000
Montgomery, Virginia 2 $ 447,000 $ 223,500 $ 119,000
Prince William, Virginia 2 $ 778,000 $ 389,000 $ 117,000
Clark, Washington 2 $ 1,475,000 $ 737,500 $ 219,000
Kanawha, West Virginia 2 $ 387,000 $ 193,500 $ 27,000
Dane, Wisconsin 2 $ 382,000 $ 191,000 $ 93,000
Milwaukee, Wisconsin 2 $ 358,000 $ 179,000 $ 94,000
Waukesha, Wisconsin 2 $ 1,005,000 $ 502,500 $ 183,000
Madison, Alabama 1 $ 100,000 $ 100,000 $ 70,000
Montgomery, Alabama 1 $ 75,000 $ 75,000 $ 27,000
Tuscaloosa, Alabama 1 $ 221,000 $ 221,000 $ 108,000
Walker, Alabama 1 $ 109,000 $ 109,000 $ 29,000
Coconino, Arizona 1 $ 183,000 $ 183,000 $ 59,000
Baxter, Arkansas 1 $ 68,000 $ 68,000 $ 44,000
Craighead, Arkansas 1 $ 152,000 $ 152,000 $ 145,000
Garland, Arkansas 1 $ 108,000 $ 108,000 $ 86,000
Lincoln, Arkansas 1 $ 63,000 $ 63,000 $ 90,000
Pope, Arkansas 1 $ 87,000 $ 87,000 $ 52,000
Washington, Arkansas 1 $ 218,000 $ 218,000 $ 105,000
Mendocino, California 1 $ 940,000 $ 940,000 $ 225,000
Merced, California 1 $ 266,000 $ 266,000 $ 115,000
Monterey, California 1 $ 571,000 $ 571,000 $ 215,000
Placer, California 1 $ 652,000 $ 652,000 $ 182,000
San Benito, California 1 $ 235,000 $ 235,000 $ 56,000
Santa Cruz, California 1 $ 677,000 $ 677,000 $ 192,000
Solano, California 1 $ 541,000 $ 541,000 $ 156,000
Tulare, California 1 $ 146,000 $ 146,000 $ 106,000
Elbert, Colorado 1 $ 275,000 $ 275,000 $ 100,000
Pueblo, Colorado 1 $ 356,000 $ 356,000 $ 127,000
Routt, Colorado 1 $ 888,000 $ 888,000 $ 595,000
Weld, Colorado 1 $ 185,000 $ 185,000 $ 41,000
Litchfield, Connecticut 1 $ 311,000 $ 311,000 $ 95,000
Middlesex, Connecticut 1 $ 225,000 $ 225,000 $ 155,000
New London, Connecticut 1 $ 415,000 $ 415,000 $ 132,000
Alachua, Florida 1 $ 260,000 $ 260,000 $ 233,000
Bradford, Florida 1 $ 70,000 $ 70,000 $ 48,000
Charlotte, Florida 1 $ 561,000 $ 561,000 $ 247,000
Indian River, Florida 1 $ 650,000 $ 650,000 $ 172,000
Manatee, Florida 1 $ 104,000 $ 104,000 $ 35,000
Marion, Florida 1 $ 250,000 $ 250,000 $ 116,000
Osceola, Florida 1 $ 50,000 $ 50,000 $ 99,000
Pasco, Florida 1 $ 140,000 $ 140,000 $ 81,000
St. Lucie, Florida 1 $ 48,000 $ 48,000 $ 35,000
Bibb, Georgia 1 $ 84,000 $ 84,000 $ 51,000
Chatham, Georgia 1 $ 1,495,000 $ 1,495,000 $ 337,000
Cherokee, Georgia 1 $ 529,000 $ 529,000 $ 206,000
Clarke, Georgia 1 $ 111,000 $ 111,000 $ 107,000
Coweta, Georgia 1 $ 195,000 $ 195,000 $ 107,000
Douglas, Georgia 1 $ 169,000 $ 169,000 $ 36,000
Fannin, Georgia 1 $ 135,000 $ 135,000 $ 192,000
Forsyth, Georgia 1 $ 627,000 $ 627,000 $ 476,000
Glynn, Georgia 1 $ 223,000 $ 223,000 $ 209,000
Henry, Georgia 1 $ 86,000 $ 86,000 $ 36,000
Monroe, Georgia 1 $ 501,000 $ 501,000 $ 170,000
Pickens, Georgia 1 $ 78,000 $ 78,000 $ 170,000
Canyon, Idaho 1 $ 90,000 $ 90,000 $ 24,000
Twin Falls, Idaho 1 $ 86,000 $ 86,000 $ 58,000
Bond, Illinois 1 $ 116,000 $ 116,000 $ 67,000
McLean, Illinois 1 $ 277,000 $ 277,000 $ 71,000
Monroe, Illinois 1 $ 35,000 $ 35,000 $ 30,000
Allen, Indiana 1 $ 168,000 $ 168,000 $ 142,000
Boone, Indiana 1 $ 449,000 $ 449,000 $ 291,000
Floyd, Indiana 1 $ 73,000 $ 73,000 $ 94,000
Grant, Indiana 1 $ 95,000 $ 95,000 $ 117,000
Jay, Indiana 1 $ 154,000 $ 154,000 $ 54,000
Madison, Indiana 1 $ 60,000 $ 60,000 $ 73,000
Johnson, Iowa 1 $ 89,000 $ 89,000 $ 55,000
Linn, Iowa 1 $ 242,000 $ 242,000 $ 70,000
Marshall, Iowa 1 $ 73,000 $ 73,000 $ 90,000
Franklin, Kansas 1 $ 83,000 $ 83,000 $ 145,000
Riley, Kansas 1 $ 78,000 $ 78,000 $ 33,000
Sedgwick, Kansas 1 $ 136,000 $ 136,000 $ 41,000
Breathitt, Kentucky 1 $ 113,000 $ 113,000 $ 80,000
Greenup, Kentucky 1 $ 420,000 $ 420,000 $ 228,000
Jefferson, Kentucky 1 $ 72,000 $ 72,000 $ 51,000
Lyon, Kentucky 1 $ 505,000 $ 505,000 $ 298,000
Madison, Kentucky 1 $ 133,000 $ 133,000 $ 96,000
Oldham, Kentucky 1 $ 100,000 $ 100,000 $ 28,000
Powell, Kentucky 1 $ 64,000 $ 64,000 $ 76,000
Ouachita, Louisiana 1 $ 100,000 $ 100,000 $ 190,000
Penobscot, Maine 1 $ 143,000 $ 143,000 $ 68,000
Waldo, Maine 1 $ 180,000 $ 180,000 $ 75,000
Calvert, Maryland 1 $ 109,000 $ 109,000 $ 42,000
Kent, Maryland 1 $ 113,000 $ 113,000 $ 35,000
Talbot, Maryland 1 $ 170,000 $ 170,000 $ 162,000
Hampden, Massachusetts 1 $ 150,000 $ 150,000 $ 80,000
Nantucket, Massachusetts 1 $ 746,000 $ 746,000 $ 217,000
Allegan, Michigan 1 $ 160,000 $ 160,000 $ 88,000
Charlevoix, Michigan 1 $ 134,000 $ 134,000 $ 171,000
Chippewa, Michigan 1 $ 65,000 $ 65,000 $ 30,000
Genesee, Michigan 1 $ 445,000 $ 445,000 $ 637,000
Grand Traverse, Michigan 1 $ 75,000 $ 75,000 $ 20,000
Houghton, Michigan 1 $ 44,000 $ 44,000 $ 58,000
Ingham, Michigan 1 $ 64,000 $ 64,000 $ 117,000
Jackson, Michigan 1 $ 112,000 $ 112,000 $ 87,000
Lenawee, Michigan 1 $ 88,000 $ 88,000 $ 49,000
Livingston, Michigan 1 $ 79,000 $ 79,000 $ 80,000
Mackinac, Michigan 1 $ 104,000 $ 104,000 $ 70,000
Macomb, Michigan 1 $ 162,000 $ 162,000 $ 73,000
Midland, Michigan 1 $ 439,000 $ 439,000 $ 266,000
Saginaw, Michigan 1 $ 70,000 $ 70,000 $ 27,000
Sanilac, Michigan 1 $ 102,000 $ 102,000 $ 68,000
St. Clair, Michigan 1 $ 116,000 $ 116,000 $ 96,000
Anoka, Minnesota 1 $ 464,000 $ 464,000 $ 94,000
Beltrami, Minnesota 1 $ 130,000 $ 130,000 $ 30,000
Blue Earth, Minnesota 1 $ 134,000 $ 134,000 $ 90,000
Grant, Minnesota 1 $ 130,000 $ 130,000 $ 72,000
Itasca, Minnesota 1 $ 196,000 $ 196,000 $ 64,000
Olmsted, Minnesota 1 $ 218,000 $ 218,000 $ 147,000
Otter Tail, Minnesota 1 $ 137,000 $ 137,000 $ 52,000
Polk, Minnesota 1 $ 41,000 $ 41,000 $ 8,000
Wabasha, Minnesota 1 $ 42,000 $ 42,000 $ 80,000
Boone, Missouri 1 $ 104,000 $ 104,000 $ 109,000
Jefferson, Missouri 1 $ 134,000 $ 134,000 $ 37,000
Warren, Missouri 1 $ 42,000 $ 42,000 $ 31,000
Gallatin, Montana 1 $ 191,000 $ 191,000 $ 51,000
Silver Bow, Montana 1 $ 94,000 $ 94,000 $ 50,000
Yellowstone, Montana 1 $ 558,000 $ 558,000 $ 521,000
Adams, Nebraska 1 $ 106,000 $ 106,000 $ 74,000
Douglas, Nevada 1 $ 132,000 $ 132,000 $ 69,000
Strafford, New Hampshire 1 $ 189,000 $ 189,000 $ 71,000
Sullivan, New Hampshire 1 $ 210,000 $ 210,000 $ 102,000
Burlington, New Jersey 1 $ 233,000 $ 233,000 $ 272,000
Camden, New Jersey 1 $ 211,000 $ 211,000 $ 193,000
Gloucester, New Jersey 1 $ 92,000 $ 92,000 $ 57,000
Passaic, New Jersey 1 $ 80,000 $ 80,000 $ 63,000
Union, New Jersey 1 $ 377,000 $ 377,000 $ 156,000
Dona Ana, New Mexico 1 $ 384,000 $ 384,000 $ 175,000
Lincoln, New Mexico 1 $ 76,000 $ 76,000 $ 48,000
San Miguel, New Mexico 1 $ 360,000 $ 360,000 $ 105,000
Albany, New York 1 $ 85,000 $ 85,000 $ 85,000
Chautauqua, New York 1 $ 115,000 $ 115,000 $ 62,000
Chemung, New York 1 $ 58,000 $ 58,000 $ 138,000
Clinton, New York 1 $ 130,000 $ 130,000 $ 377,000
Dutchess, New York 1 $ 128,000 $ 128,000 $ 39,000
Oneida, New York 1 $ 83,000 $ 83,000 $ 43,000
Orleans, New York 1 $ 175,000 $ 175,000 $ 135,000
Brunswick, North Carolina 1 $ 100,000 $ 100,000 $ 53,000
Buncombe, North Carolina 1 $ 96,000 $ 96,000 $ 125,000
Burke, North Carolina 1 $ 585,000 $ 585,000 $ 204,000
Catawba, North Carolina 1 $ 425,000 $ 425,000 $ 131,000
Chatham, North Carolina 1 $ 513,000 $ 513,000 $ 155,000
Chowan, North Carolina 1 $ 149,000 $ 149,000 $ 63,000
Dare, North Carolina 1 $ 567,000 $ 567,000 $ 354,000
Forsyth, North Carolina 1 $ 136,000 $ 136,000 $ 58,000
Harnett, North Carolina 1 $ 209,000 $ 209,000 $ 71,000
Henderson, North Carolina 1 $ 70,000 $ 70,000 $ 120,000
Jackson, North Carolina 1 $ 140,000 $ 140,000 $ 159,000
Orange, North Carolina 1 $ 276,000 $ 276,000 $ 185,000
Pitt, North Carolina 1 $ 190,000 $ 190,000 $ 108,000
Rutherford, North Carolina 1 $ 106,000 $ 106,000 $ 60,000
Mountrail, North Dakota 1 $ 181,000 $ 181,000 $ 50,000
Ward, North Dakota 1 $ 200,000 $ 200,000 $ 166,000
Fairfield, Ohio 1 $ 72,000 $ 72,000 $ 118,000
Greene, Ohio 1 $ 47,000 $ 47,000 $ 36,000
Knox, Ohio 1 $ 107,000 $ 107,000 $ 32,000
Lake, Ohio 1 $ 40,000 $ 40,000 $ 63,000
Lorain, Ohio 1 $ 693,000 $ 693,000 $ 2,035,000
Medina, Ohio 1 $ 155,000 $ 155,000 $ 85,000
Seneca, Ohio 1 $ 131,000 $ 131,000 $ 90,000
Stark, Ohio 1 $ 117,000 $ 117,000 $ 146,000
Summit, Ohio 1 $ 209,000 $ 209,000 $ 167,000
Canadian, Oklahoma 1 $ 145,000 $ 145,000 $ 91,000
Cherokee, Oklahoma 1 $ 91,000 $ 91,000 $ 78,000
Le Flore, Oklahoma 1 $ 180,000 $ 180,000 $ 94,000
Payne, Oklahoma 1 $ 80,000 $ 80,000 $ 53,000
Deschutes, Oregon 1 $ 179,000 $ 179,000 $ 81,000
Lincoln, Oregon 1 $ 105,000 $ 105,000 $ 56,000
Linn, Oregon 1 $ 101,000 $ 101,000 $ 74,000
Adams, Pennsylvania 1 $ 200,000 $ 200,000 $ 67,000
Beaver, Pennsylvania 1 $ 160,000 $ 160,000 $ 89,000
Blair, Pennsylvania 1 $ 129,000 $ 129,000 $ 70,000
Butler, Pennsylvania 1 $ 100,000 $ 100,000 $ 34,000
Columbia, Pennsylvania 1 $ 138,000 $ 138,000 $ 35,000
Crawford, Pennsylvania 1 $ 81,000 $ 81,000 $ 17,000
Cumberland, Pennsylvania 1 $ 173,000 $ 173,000 $ 161,000
Erie, Pennsylvania 1 $ 111,000 $ 111,000 $ 67,000
Lehigh, Pennsylvania 1 $ 150,000 $ 150,000 $ 59,000
Lycoming, Pennsylvania 1 $ 143,000 $ 143,000 $ 29,000
Monroe, Pennsylvania 1 $ 194,000 $ 194,000 $ 81,000
Perry, Pennsylvania 1 $ 125,000 $ 125,000 $ 71,000
Pike, Pennsylvania 1 $ 138,000 $ 138,000 $ 46,000
Union, Pennsylvania 1 $ 60,000 $ 60,000 $ 53,000
Washington, Pennsylvania 1 $ 119,000 $ 119,000 $ 51,000
Wayne, Pennsylvania 1 $ 89,000 $ 89,000 $ 111,000
Westmoreland, Pennsylvania 1 $ 96,000 $ 96,000 $ 85,000
Kent, Rhode Island 1 $ 133,000 $ 133,000 $ 81,000
Providence, Rhode Island 1 $ 70,000 $ 70,000 $ 16,000
Washington, Rhode Island 1 $ 717,000 $ 717,000 $ 440,000
Anderson, South Carolina 1 $ 164,000 $ 164,000 $ 51,000
Berkeley, South Carolina 1 $ 559,000 $ 559,000 $ 112,000
Cherokee, South Carolina 1 $ 152,000 $ 152,000 $ 76,000
Horry, South Carolina 1 $ 250,000 $ 250,000 $ 135,000
Lancaster, South Carolina 1 $ 84,000 $ 84,000 $ 28,000
Marion, South Carolina 1 $ 34,000 $ 34,000 $ 17,000
Pickens, South Carolina 1 $ 146,000 $ 146,000 $ 52,000
Spartanburg, South Carolina 1 $ 125,000 $ 125,000 $ 90,000
Clay, South Dakota 1 $ 212,000 $ 212,000 $ 97,000
Lawrence, South Dakota 1 $ 114,000 $ 114,000 $ 59,000
Bedford, Tennessee 1 $ 114,000 $ 114,000 $ 66,000
Dickson, Tennessee 1 $ 79,000 $ 79,000 $ 16,000
Giles, Tennessee 1 $ 84,000 $ 84,000 $ 37,000
Knox, Tennessee 1 $ 100,000 $ 100,000 $ 57,000
Monroe, Tennessee 1 $ 67,000 $ 67,000 $ 23,000
Putnam, Tennessee 1 $ 239,000 $ 239,000 $ 390,000
Comal, Texas 1 $ 128,000 $ 128,000 $ 41,000
El Paso, Texas 1 $ 913,000 $ 913,000 $ 754,000
Ellis, Texas 1 $ 262,000 $ 262,000 $ 195,000
Grayson, Texas 1 $ 251,000 $ 251,000 $ 129,000
Hays, Texas 1 $ 761,000 $ 761,000 $ 317,000
Henderson, Texas 1 $ 74,000 $ 74,000 $ 38,000
Hidalgo, Texas 1 $ 126,000 $ 126,000 $ 70,000
Hood, Texas 1 $ 80,000 $ 80,000 $ 65,000
Kaufman, Texas 1 $ 106,000 $ 106,000 $ 55,000
Lubbock, Texas 1 $ 723,000 $ 723,000 $ 164,000
Matagorda, Texas 1 $ 109,000 $ 109,000 $ 133,000
Montague, Texas 1 $ 46,000 $ 46,000 $ 76,000
Palo Pinto, Texas 1 $ 60,000 $ 60,000 $ 22,000
Randall, Texas 1 $ 148,000 $ 148,000 $ 55,000
Rockwall, Texas 1 $ 437,000 $ 437,000 $ 263,000
Taylor, Texas 1 $ 104,000 $ 104,000 $ 160,000
Webb, Texas 1 $ 30,000 $ 30,000 $ 26,000
Davis, Utah 1 $ 416,000 $ 416,000 $ 95,000
Rich, Utah 1 $ 70,000 $ 70,000 $ 75,000
Salt Lake, Utah 1 $ 279,000 $ 279,000 $ 122,000
Summit, Utah 1 $ 646,000 $ 646,000 $ 308,000
Washington, Utah 1 $ 96,000 $ 96,000 $ 79,000
Lamoille, Vermont 1 $ 64,000 $ 64,000 $ 43,000
Rutland, Vermont 1 $ 284,000 $ 284,000 $ 87,000
Windham, Vermont 1 $ 126,000 $ 126,000 $ 85,000
Augusta, Virginia 1 $ 230,000 $ 230,000 $ 116,000
Chesterfield, Virginia 1 $ 550,000 $ 550,000 $ 253,000
Cumberland, Virginia 1 $ 83,000 $ 83,000 $ 56,000
Falls Church, Virginia 1 $ 871,000 $ 871,000 $ 344,000
Hampton, Virginia 1 $ 174,000 $ 174,000 $ 58,000
James City, Virginia 1 $ 233,000 $ 233,000 $ 59,000
Lancaster, Virginia 1 $ 324,000 $ 324,000 $ 125,000
Lexington, Virginia 1 $ 81,000 $ 81,000 $ 40,000
Lynchburg, Virginia 1 $ 228,000 $ 228,000 $ 95,000
Richmond City, Virginia 1 $ 204,000 $ 204,000 $ 89,000
Rockbridge, Virginia 1 $ 141,000 $ 141,000 $ 77,000
Spotsylvania, Virginia 1 $ 764,000 $ 764,000 $ 177,000
Clallam, Washington 1 $ 47,000 $ 47,000 $ 19,000
Island, Washington 1 $ 110,000 $ 110,000 $ 77,000
Kittitas, Washington 1 $ 505,000 $ 505,000 $ 375,000
Whitman, Washington 1 $ 111,000 $ 111,000 $ 85,000
Berkeley, West Virginia 1 $ 114,000 $ 114,000 $ 54,000
Boone, West Virginia 1 $ 58,000 $ 58,000 $ 41,000
Cabell, West Virginia 1 $ 328,000 $ 328,000 $ 82,000
Greenbrier, West Virginia 1 $ 110,000 $ 110,000 $ 34,000
Hardy, West Virginia 1 $ 116,000 $ 116,000 $ 42,000
Jackson, West Virginia 1 $ 53,000 $ 53,000 $ 40,000
Jefferson, West Virginia 1 $ 303,000 $ 303,000 $ 243,000
Marion, West Virginia 1 $ 53,000 $ 53,000 $ 47,000
Fond du Lac, Wisconsin 1 $ 194,000 $ 194,000 $ 40,000
Outagamie, Wisconsin 1 $ 523,000 $ 523,000 $ 180,000
Ozaukee, Wisconsin 1 $ 64,000 $ 64,000 $ 28,000
Polk, Wisconsin 1 $ 96,000 $ 96,000 $ 52,000
Rusk, Wisconsin 1 $ 102,000 $ 102,000 $ 129,000
St. Croix, Wisconsin 1 $ 104,000 $ 104,000 $ 61,000
Walworth, Wisconsin 1 $ 75,000 $ 75,000 $ 23,000
Winnebago, Wisconsin 1 $ 277,000 $ 277,000 $ 92,000
Albany, Wyoming 1 $ 198,000 $ 198,000 $ 75,000

Mortgage Loan Application Detail Totals for Tiaa-Cref Trust Company FSB in 2014

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 1,089 $398,760,000 $366,000 $1,957,000 $161,000 $1,517,000
Home Purchase 745 $286,686,000 $384,000 $2,246,000 $184,000 $2,856,000
Home Improvement 37 $5,393,000 $145,000 $610,000 $80,000 $200,000

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
Not applicable 795 $457,321,000 $575,000 $2,246,000 $250,000 $2,856,000
White 753 $163,288,000 $216,000 $1,495,000 $107,000 $994,000
Not Provided 107 $25,814,000 $241,000 $921,000 $125,000 $648,000
Black or African American 84 $14,615,000 $173,000 $579,000 $101,000 $430,000
Hispanic 59 $10,402,000 $176,000 $411,000 $88,000 $225,000
Asian 59 $16,607,000 $281,000 $1,194,000 $128,000 $505,000
American Indian or Alaskan Native 9 $1,599,000 $177,000 $329,000 $79,000 $110,000
Native Hawaiian or Other Pacific Islander 5 $1,193,000 $238,000 $579,000 $132,000 $188,000

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) 1,866 $689,856,000 $369,000 $2,246,000 $169,000 $2,856,000
FHA-insured (Federal Housing Administration) 4 $774,000 $193,000 $311,000 $69,000 $109,000
VA-guaranteed (Veterans Administration) 1 $209,000 $209,000 $209,000 $125,000 $125,000
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 Purchased By The Institution 795 $457,321,000 $575,000 $2,246,000 $250,000 $2,856,000
Loan Originated 404 $84,182,000 $208,000 $921,000 $114,000 $550,000
Application Withdrawn By Applicant 289 $67,971,000 $235,000 $1,495,000 $118,000 $994,000
Application Denied By Financial Institution 269 $56,364,000 $209,000 $1,346,000 $92,000 $648,000
File Closed For Incompleteness 109 $23,951,000 $219,000 $1,194,000 $106,000 $498,000
Application Approved But Not Accepted 5 $1,050,000 $210,000 $495,000 $81,000 $161,000
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 88 $20,670,000 $234,000 $868,000 $66,000 $263,000
Credit History 61 $11,698,000 $191,000 $1,118,000 $86,000 $326,000
Collateral 50 $10,131,000 $202,000 $1,346,000 $116,000 $430,000
Other 47 $7,637,000 $162,000 $880,000 $99,000 $360,000
Credit Application Incomplete 10 $2,820,000 $282,000 $623,000 $117,000 $288,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,192,000 $198,000 $460,000 $74,000 $133,000
Unverifiable Information 5 $1,212,000 $242,000 $311,000 $226,000 $648,000
Employment History 2 $1,004,000 $502,000 $780,000 $152,000 $243,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Tiaa-Cref Trust Company FSB's 2014 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 Tiaa-Cref Trust Company FSB'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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