Tower Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Tower Federal Credit Union 2009 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 | Tower Federal Credit Union 7901 Sandy Spring Road Laurel, MD 20707 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 | 4,181 |
| Total Mortgage Loan Application Amount | $1,003,348,000 |
| Average Mortgage Loan Application Amount | $181,666 |
| Highest Mortgage Loan Application Amount | $834,000 |
| Average Applicant Income | $121,666 |
| Highest Applicant Income | $1,689,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Tower 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 Tower Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Tower 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 Tower Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Tower 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 Tower Federal Credit Union's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anne Arundel County Maryland | 1,393 | $ 334,275,000 | $ 239,000 | $ 127,000 |
| Howard County Maryland | 782 | $ 210,944,000 | $ 269,000 | $ 147,000 |
| Baltimore County Maryland | 322 | $ 63,425,000 | $ 196,000 | $ 110,000 |
| Carroll County Maryland | 284 | $ 72,817,000 | $ 256,000 | $ 148,000 |
| Prince George's County Maryland | 205 | $ 45,936,000 | $ 224,000 | $ 118,000 |
| Montgomery County Maryland | 122 | $ 34,503,000 | $ 282,000 | $ 151,000 |
| Baltimore City County Maryland | 92 | $ 15,130,000 | $ 164,000 | $ 99,000 |
| Queen Anne's County Maryland | 86 | $ 20,888,000 | $ 242,000 | $ 126,000 |
| Frederick County Maryland | 58 | $ 13,991,000 | $ 241,000 | $ 122,000 |
| Harford County Maryland | 52 | $ 14,192,000 | $ 272,000 | $ 123,000 |
| York County Pennsylvania | 40 | $ 7,427,000 | $ 185,000 | $ 110,000 |
| Fairfax County Virginia | 31 | $ 10,520,000 | $ 339,000 | $ 176,000 |
| Worcester County Maryland | 27 | $ 5,947,000 | $ 220,000 | $ 149,000 |
| Adams County Pennsylvania | 24 | $ 4,095,000 | $ 170,000 | $ 135,000 |
| Loudoun County Virginia | 24 | $ 7,915,000 | $ 329,000 | $ 174,000 |
| Sussex County Delaware | 23 | $ 5,802,000 | $ 252,000 | $ 134,000 |
| District of Columbia County District Of Columbia | 20 | $ 5,610,000 | $ 280,000 | $ 135,000 |
| Columbia County Georgia | 20 | $ 4,255,000 | $ 212,000 | $ 132,000 |
| Calvert County Maryland | 17 | $ 4,843,000 | $ 284,000 | $ 126,000 |
| Charles County Maryland | 13 | $ 3,152,000 | $ 242,000 | $ 147,000 |
| Caroline County Maryland | 12 | $ 2,680,000 | $ 223,000 | $ 100,000 |
| Talbot County Maryland | 12 | $ 3,919,000 | $ 326,000 | $ 117,000 |
| Arlington County Virginia | 11 | $ 4,217,000 | $ 383,000 | $ 152,000 |
| Douglas County Colorado | 10 | $ 2,183,000 | $ 218,000 | $ 150,000 |
| Wake County North Carolina | 10 | $ 2,715,000 | $ 271,000 | $ 112,000 |
| Arapahoe County Colorado | 9 | $ 2,384,000 | $ 264,000 | $ 143,000 |
| Hillsborough County Florida | 8 | $ 2,206,000 | $ 275,000 | $ 168,000 |
| Prince William County Virginia | 8 | $ 2,474,000 | $ 309,000 | $ 143,000 |
| New Castle County Delaware | 7 | $ 1,508,000 | $ 215,000 | $ 107,000 |
| Wicomico County Maryland | 7 | $ 1,045,000 | $ 149,000 | $ 82,000 |
| Allegheny County Pennsylvania | 7 | $ 1,147,000 | $ 163,000 | $ 104,000 |
| Bexar County Texas | 7 | $ 1,322,000 | $ 188,000 | $ 92,000 |
| Yakima County Washington | 7 | $ 1,438,000 | $ 205,000 | $ 129,000 |
| Berkeley County West Virginia | 7 | $ 1,056,000 | $ 150,000 | $ 101,000 |
| El Paso County Colorado | 6 | $ 1,169,000 | $ 194,000 | $ 167,000 |
| Garrett County Maryland | 6 | $ 1,207,000 | $ 201,000 | $ 195,000 |
| Washington County Maryland | 6 | $ 1,382,000 | $ 230,000 | $ 89,000 |
| Brunswick County North Carolina | 6 | $ 2,001,000 | $ 333,000 | $ 103,000 |
| Horry County South Carolina | 6 | $ 1,159,000 | $ 193,000 | $ 193,000 |
| Santa Clara County California | 5 | $ 2,640,000 | $ 528,000 | $ 181,000 |
| St. Johns County Florida | 5 | $ 1,286,000 | $ 257,000 | $ 86,000 |
| Fulton County Georgia | 5 | $ 1,207,000 | $ 241,000 | $ 105,000 |
| Honolulu County Hawaii | 5 | $ 1,893,000 | $ 378,000 | $ 165,000 |
| Cecil County Maryland | 5 | $ 948,000 | $ 189,000 | $ 97,000 |
| Mecklenburg County North Carolina | 5 | $ 880,000 | $ 176,000 | $ 101,000 |
| Franklin County Pennsylvania | 5 | $ 516,000 | $ 103,000 | $ 101,000 |
| Montgomery County Pennsylvania | 5 | $ 1,276,000 | $ 255,000 | $ 114,000 |
| Spotsylvania County Virginia | 5 | $ 1,249,000 | $ 249,000 | $ 131,000 |
| King County Washington | 5 | $ 1,045,000 | $ 209,000 | $ 98,000 |
| Broward County Florida | 4 | $ 799,000 | $ 199,000 | $ 103,000 |
| Pinellas County Florida | 4 | $ 913,000 | $ 228,000 | $ 108,000 |
| Dorchester County Maryland | 4 | $ 322,000 | $ 80,000 | $ 75,000 |
| Centre County Pennsylvania | 4 | $ 728,000 | $ 182,000 | $ 130,000 |
| Delaware County Pennsylvania | 4 | $ 974,000 | $ 243,000 | $ 116,000 |
| Philadelphia County Pennsylvania | 4 | $ 872,000 | $ 218,000 | $ 143,000 |
| Chesapeake County Virginia | 4 | $ 793,000 | $ 198,000 | $ 160,000 |
| Riverside County California | 3 | $ 698,000 | $ 232,000 | $ 94,000 |
| Citrus County Florida | 3 | $ 460,000 | $ 153,000 | $ 83,000 |
| Flagler County Florida | 3 | $ 233,000 | $ 77,000 | $ 68,000 |
| Monroe County Indiana | 3 | $ 282,000 | $ 94,000 | $ 160,000 |
| St. Mary's County Maryland | 3 | $ 608,000 | $ 202,000 | $ 81,000 |
| Johnston County North Carolina | 3 | $ 626,000 | $ 208,000 | $ 58,000 |
| New Hanover County North Carolina | 3 | $ 648,000 | $ 216,000 | $ 91,000 |
| Bucks County Pennsylvania | 3 | $ 630,000 | $ 210,000 | $ 163,000 |
| Chester County Pennsylvania | 3 | $ 580,000 | $ 193,000 | $ 99,000 |
| Albemarle County Virginia | 3 | $ 556,000 | $ 185,000 | $ 131,000 |
| Fauquier County Virginia | 3 | $ 387,000 | $ 129,000 | $ 113,000 |
| Rockingham County Virginia | 3 | $ 551,000 | $ 183,000 | $ 91,000 |
| Jefferson County West Virginia | 3 | $ 881,000 | $ 293,000 | $ 84,000 |
| Morgan County West Virginia | 3 | $ 879,000 | $ 293,000 | $ 83,000 |
| Preston County West Virginia | 3 | $ 355,000 | $ 118,000 | $ 55,000 |
| Baldwin County Alabama | 2 | $ 502,000 | $ 251,000 | $ 141,000 |
| Anchorage County Alaska | 2 | $ 537,000 | $ 268,000 | $ 97,000 |
| Cochise County Arizona | 2 | $ 263,000 | $ 131,000 | $ 98,000 |
| Maricopa County Arizona | 2 | $ 292,000 | $ 146,000 | $ 137,000 |
| Yavapai County Arizona | 2 | $ 268,000 | $ 134,000 | $ 129,000 |
| Carroll County Arkansas | 2 | $ 184,000 | $ 92,000 | $ 130,000 |
| Los Angeles County California | 2 | $ 862,000 | $ 431,000 | $ 163,000 |
| San Diego County California | 2 | $ 341,000 | $ 170,000 | $ 58,000 |
| Boulder County Colorado | 2 | $ 895,000 | $ 447,000 | $ 135,000 |
| Denver County Colorado | 2 | $ 195,000 | $ 97,000 | $ 91,000 |
| Jefferson County Colorado | 2 | $ 218,000 | $ 109,000 | $ 75,000 |
| Kent County Delaware | 2 | $ 519,000 | $ 259,000 | $ 99,000 |
| Brevard County Florida | 2 | $ 339,000 | $ 169,000 | $ 59,000 |
| Lee County Florida | 2 | $ 435,000 | $ 217,000 | $ 167,000 |
| Manatee County Florida | 2 | $ 454,000 | $ 227,000 | $ 141,000 |
| Miami-Dade County Florida | 2 | $ 670,000 | $ 335,000 | $ 121,000 |
| Sarasota County Florida | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Volusia County Florida | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Cobb County Georgia | 2 | $ 378,000 | $ 189,000 | $ 97,000 |
| Cook County Illinois | 2 | $ 400,000 | $ 200,000 | $ 129,000 |
| Hamilton County Indiana | 2 | $ 171,000 | $ 85,000 | $ 126,000 |
| Hendricks County Indiana | 2 | $ 406,000 | $ 203,000 | $ 128,000 |
| Orleans County Louisiana | 2 | $ 82,000 | $ 41,000 | $ 81,000 |
| Clark County Nevada | 2 | $ 326,000 | $ 163,000 | $ 61,000 |
| Middlesex County New Jersey | 2 | $ 388,000 | $ 194,000 | $ 180,000 |
| Currituck County North Carolina | 2 | $ 456,000 | $ 228,000 | $ 123,000 |
| Forsyth County North Carolina | 2 | $ 273,000 | $ 136,000 | $ 30,000 |
| Ashtabula County Ohio | 2 | $ 38,000 | $ 19,000 | $ 17,000 |
| Clark County Ohio | 2 | $ 244,000 | $ 122,000 | $ 141,000 |
| Clearfield County Pennsylvania | 2 | $ 513,000 | $ 256,000 | $ 268,000 |
| Cumberland County Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 174,000 |
| Dauphin County Pennsylvania | 2 | $ 157,000 | $ 78,000 | $ 89,000 |
| Huntingdon County Pennsylvania | 2 | $ 408,000 | $ 204,000 | $ 161,000 |
| Aiken County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 57,000 |
| Beaufort County South Carolina | 2 | $ 406,000 | $ 203,000 | $ 91,000 |
| Edgefield County South Carolina | 2 | $ 173,000 | $ 86,000 | $ 69,000 |
| Oconee County South Carolina | 2 | $ 335,000 | $ 167,000 | $ 122,000 |
| Richland County South Carolina | 2 | $ 450,000 | $ 225,000 | $ 169,000 |
| Sumner County Tennessee | 2 | $ 365,000 | $ 182,000 | $ 60,000 |
| Tarrant County Texas | 2 | $ 326,000 | $ 163,000 | $ 146,000 |
| Williamson County Texas | 2 | $ 594,000 | $ 297,000 | $ 183,000 |
| Davis County Utah | 2 | $ 463,000 | $ 231,000 | $ 78,000 |
| Franklin County Vermont | 2 | $ 466,000 | $ 233,000 | $ 179,000 |
| Accomack County Virginia | 2 | $ 689,000 | $ 344,000 | $ 223,000 |
| Alexandria County Virginia | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Bedford County Virginia | 2 | $ 695,000 | $ 347,000 | $ 196,000 |
| Chesterfield County Virginia | 2 | $ 428,000 | $ 214,000 | $ 161,000 |
| Franklin County Virginia | 2 | $ 879,000 | $ 439,000 | $ 317,000 |
| Henrico County Virginia | 2 | $ 582,000 | $ 291,000 | $ 64,000 |
| Norfolk County Virginia | 2 | $ 337,000 | $ 168,000 | $ 89,000 |
| Warren County Virginia | 2 | $ 345,000 | $ 172,000 | $ 107,000 |
| Pierce County Washington | 2 | $ 406,000 | $ 203,000 | $ 133,000 |
| Dale County Alabama | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
| Lee County Alabama | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Madison County Alabama | 1 | $ 389,000 | $ 389,000 | $ 158,000 |
| Mobile County Alabama | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Walker County Alabama | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Fairbanks North Star County Alaska | 1 | $ 243,000 | $ 243,000 | $ 109,000 |
| Coconino County Arizona | 1 | $ 242,000 | $ 242,000 | $ 96,000 |
| Mohave County Arizona | 1 | $ 236,000 | $ 236,000 | $ 865,000 |
| Benton County Arkansas | 1 | $ 10,000 | $ 10,000 | $ 103,000 |
| Pulaski County Arkansas | 1 | $ 53,000 | $ 53,000 | $ 63,000 |
| Nevada County California | 1 | $ 756,000 | $ 756,000 | $ 222,000 |
| Sacramento County California | 1 | $ 246,000 | $ 246,000 | $ 140,000 |
| San Francisco County California | 1 | $ 500,000 | $ 500,000 | $ 163,000 |
| San Luis Obispo County California | 1 | $ 101,000 | $ 101,000 | $ 185,000 |
| San Mateo County California | 1 | $ 415,000 | $ 415,000 | $ 455,000 |
| Sonoma County California | 1 | $ 93,000 | $ 93,000 | $ 76,000 |
| Ventura County California | 1 | $ 496,000 | $ 496,000 | $ 87,000 |
| Adams County Colorado | 1 | $ 244,000 | $ 244,000 | $ 112,000 |
| Broomfield County Colorado | 1 | $ 480,000 | $ 480,000 | $ 95,000 |
| Summit County Colorado | 1 | $ 276,000 | $ 276,000 | $ 119,000 |
| Fairfield County Connecticut | 1 | $ 478,000 | $ 478,000 | $ 123,000 |
| Hartford County Connecticut | 1 | $ 352,000 | $ 352,000 | $ 150,000 |
| New Haven County Connecticut | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
| Charlotte County Florida | 1 | $ 90,000 | $ 90,000 | $ 57,000 |
| Duval County Florida | 1 | $ 183,000 | $ 183,000 | $ 100,000 |
| Indian River County Florida | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Marion County Florida | 1 | $ 142,000 | $ 142,000 | $ 89,000 |
| Orange County Florida | 1 | $ 293,000 | $ 293,000 | $ 65,000 |
| Pasco County Florida | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Polk County Florida | 1 | $ 133,000 | $ 133,000 | $ 63,000 |
| Seminole County Florida | 1 | $ 240,000 | $ 240,000 | $ 184,000 |
| Sumter County Florida | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Bibb County Georgia | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Bryan County Georgia | 1 | $ 191,000 | $ 191,000 | $ 317,000 |
| Cherokee County Georgia | 1 | $ 340,000 | $ 340,000 | $ 160,000 |
| Fayette County Georgia | 1 | $ 178,000 | $ 178,000 | $ 93,000 |
| Forsyth County Georgia | 1 | $ 269,000 | $ 269,000 | $ 242,000 |
| Glynn County Georgia | 1 | $ 80,000 | $ 80,000 | $ 121,000 |
| Liberty County Georgia | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| McDuffie County Georgia | 1 | $ 260,000 | $ 260,000 | $ 105,000 |
| Walton County Georgia | 1 | $ 189,000 | $ 189,000 | $ 106,000 |
| Kauai County Hawaii | 1 | $ 400,000 | $ 400,000 | $ 56,000 |
| Lake County Illinois | 1 | $ 292,000 | $ 292,000 | $ 236,000 |
| Peoria County Illinois | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Will County Illinois | 1 | $ 167,000 | $ 167,000 | $ 222,000 |
| Harrison County Indiana | 1 | $ 124,000 | $ 124,000 | $ 44,000 |
| LaPorte County Indiana | 1 | $ 61,000 | $ 61,000 | $ 100,000 |
| Vanderburgh County Indiana | 1 | $ 224,000 | $ 224,000 | $ 72,000 |
| Douglas County Kansas | 1 | $ 226,000 | $ 226,000 | $ 69,000 |
| Pottawatomie County Kansas | 1 | $ 184,000 | $ 184,000 | $ 74,000 |
| Jefferson County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Wayne County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 102,000 |
| Lafayette County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| St. John the Baptist County Louisiana | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Penobscot County Maine | 1 | $ 226,000 | $ 226,000 | $ 190,000 |
| Allegany County Maryland | 1 | $ 92,000 | $ 92,000 | $ 63,000 |
| Kent County Maryland | 1 | $ 273,000 | $ 273,000 | $ 115,000 |
| Somerset County Maryland | 1 | $ 132,000 | $ 132,000 | $ 103,000 |
| Barnstable County Massachusetts | 1 | $ 284,000 | $ 284,000 | $ 270,000 |
| Franklin County Massachusetts | 1 | $ 399,000 | $ 399,000 | $ 134,000 |
| Suffolk County Massachusetts | 1 | $ 331,000 | $ 331,000 | $ 184,000 |
| Grand Traverse County Michigan | 1 | $ 216,000 | $ 216,000 | $ 257,000 |
| Livingston County Michigan | 1 | $ 184,000 | $ 184,000 | $ 49,000 |
| Ontonagon County Michigan | 1 | $ 136,000 | $ 136,000 | $ 102,000 |
| Saginaw County Michigan | 1 | $ 18,000 | $ 18,000 | $ 157,000 |
| Washtenaw County Michigan | 1 | $ 184,000 | $ 184,000 | $ 69,000 |
| Cook County Minnesota | 1 | $ 400,000 | $ 400,000 | $ 102,000 |
| Lafayette County Mississippi | 1 | $ 266,000 | $ 266,000 | $ 270,000 |
| Lowndes County Mississippi | 1 | $ 329,000 | $ 329,000 | $ 174,000 |
| St. Louis County Missouri | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| St. Louis City County Missouri | 1 | $ 34,000 | $ 34,000 | $ 29,000 |
| Howard County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 177,000 |
| Lancaster County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Cheshire County New Hampshire | 1 | $ 10,000 | $ 10,000 | $ 94,000 |
| Hillsborough County New Hampshire | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Merrimack County New Hampshire | 1 | $ 176,000 | $ 176,000 | $ 65,000 |
| Atlantic County New Jersey | 1 | $ 306,000 | $ 306,000 | $ 85,000 |
| Bergen County New Jersey | 1 | $ 581,000 | $ 581,000 | $ 140,000 |
| Hunterdon County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Monmouth County New Jersey | 1 | $ 110,000 | $ 110,000 | $ 110,000 |
| Passaic County New Jersey | 1 | $ 439,000 | $ 439,000 | $ 189,000 |
| Salem County New Jersey | 1 | $ 70,000 | $ 70,000 | $ 74,000 |
| Bernalillo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Valencia County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Albany County New York | 1 | $ 82,000 | $ 82,000 | $ 123,000 |
| Erie County New York | 1 | $ 134,000 | $ 134,000 | $ 44,000 |
| Jefferson County New York | 1 | $ 83,000 | $ 83,000 | $ 81,000 |
| Monroe County New York | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Rockland County New York | 1 | $ 414,000 | $ 414,000 | $ 153,000 |
| Steuben County New York | 1 | $ 168,000 | $ 168,000 | $ 139,000 |
| Alamance County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 67,000 |
| Beaufort County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 145,000 |
| Cherokee County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 69,000 |
| Dare County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 131,000 |
| Halifax County North Carolina | 1 | $ 24,000 | $ 24,000 | $ 224,000 |
| Iredell County North Carolina | 1 | $ 486,000 | $ 486,000 | $ 214,000 |
| Moore County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 96,000 |
| Nash County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Orange County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 67,000 |
| Pamlico County North Carolina | 1 | $ 404,000 | $ 404,000 | $ 98,000 |
| Pender County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 263,000 |
| Transylvania County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 128,000 |
| Tyrrell County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 115,000 |
| Union County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 90,000 |
| Vance County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 70,000 |
| Wayne County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Cuyahoga County Ohio | 1 | $ 30,000 | $ 30,000 | $ 164,000 |
| Lawrence County Ohio | 1 | $ 120,000 | $ 120,000 | $ 62,000 |
| Lorain County Ohio | 1 | $ 134,000 | $ 134,000 | $ 100,000 |
| Miami County Ohio | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Montgomery County Ohio | 1 | $ 100,000 | $ 100,000 | $ 137,000 |
| Stark County Ohio | 1 | $ 123,000 | $ 123,000 | $ 36,000 |
| Trumbull County Ohio | 1 | $ 68,000 | $ 68,000 | $ 104,000 |
| Multnomah County Oregon | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| Washington County Oregon | 1 | $ 203,000 | $ 203,000 | $ 51,000 |
| Bedford County Pennsylvania | 1 | $ 107,000 | $ 107,000 | $ 226,000 |
| Butler County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 87,000 |
| Cambria County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 172,000 |
| Elk County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Lancaster County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 87,000 |
| Lebanon County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Mifflin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Susquehanna County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Westmoreland County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Wyoming County Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 152,000 |
| Anderson County South Carolina | 1 | $ 283,000 | $ 283,000 | $ 172,000 |
| Florence County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 200,000 |
| Georgetown County South Carolina | 1 | $ 218,000 | $ 218,000 | $ 165,000 |
| Jasper County South Carolina | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Blount County Tennessee | 1 | $ 416,000 | $ 416,000 | $ 90,000 |
| Davidson County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 67,000 |
| Loudon County Tennessee | 1 | $ 288,000 | $ 288,000 | $ 68,000 |
| Montgomery County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Shelby County Tennessee | 1 | $ 261,000 | $ 261,000 | $ 85,000 |
| Wilson County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 162,000 |
| Bell County Texas | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Dallas County Texas | 1 | $ 70,000 | $ 70,000 | $ 168,000 |
| Denton County Texas | 1 | $ 122,000 | $ 122,000 | $ 163,000 |
| El Paso County Texas | 1 | $ 193,000 | $ 193,000 | $ 203,000 |
| Johnson County Texas | 1 | $ 54,000 | $ 54,000 | $ 26,000 |
| Kendall County Texas | 1 | $ 201,000 | $ 201,000 | $ 111,000 |
| Nacogdoches County Texas | 1 | $ 113,000 | $ 113,000 | $ 65,000 |
| Nueces County Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Tom Green County Texas | 1 | $ 96,000 | $ 96,000 | $ 83,000 |
| Utah County Utah | 1 | $ 257,000 | $ 257,000 | $ 123,000 |
| Orleans County Vermont | 1 | $ 86,000 | $ 86,000 | $ 176,000 |
| Charlottesville County Virginia | 1 | $ 755,000 | $ 755,000 | $ 114,000 |
| Essex County Virginia | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Falls Church County Virginia | 1 | $ 234,000 | $ 234,000 | $ 79,000 |
| Hopewell County Virginia | 1 | $ 128,000 | $ 128,000 | $ 113,000 |
| James City County Virginia | 1 | $ 290,000 | $ 290,000 | $ 135,000 |
| Louisa County Virginia | 1 | $ 417,000 | $ 417,000 | $ 429,000 |
| Lynchburg County Virginia | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Northampton County Virginia | 1 | $ 104,000 | $ 104,000 | $ 126,000 |
| Orange County Virginia | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Richmond City County Virginia | 1 | $ 17,000 | $ 17,000 | $ 108,000 |
| Roanoke City County Virginia | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| York County Virginia | 1 | $ 272,000 | $ 272,000 | $ 76,000 |
| Clallam County Washington | 1 | $ 150,000 | $ 150,000 | $ 147,000 |
| Clark County Washington | 1 | $ 163,000 | $ 163,000 | $ 94,000 |
| Jefferson County Washington | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Pocahontas County West Virginia | 1 | $ 298,000 | $ 298,000 | $ 243,000 |
| Putnam County West Virginia | 1 | $ 290,000 | $ 290,000 | $ 190,000 |
| Summers County West Virginia | 1 | $ 132,000 | $ 132,000 | $ 90,000 |
| Bayfield County Wisconsin | 1 | $ 338,000 | $ 338,000 | $ 301,000 |
| Dane County Wisconsin | 1 | $ 239,000 | $ 239,000 | $ 71,000 |
| Oneida County Wisconsin | 1 | $ 151,000 | $ 151,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Tower Federal Credit Union in 2009
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 | 3,628 | $901,344,000 | $248,000 | $834,000 | $132,000 | $1,689,000 |
| Home Purchase | 364 | $94,836,000 | $260,000 | $816,000 | $124,000 | $550,000 |
| Home Improvement | 189 | $7,168,000 | $37,000 | $200,000 | $109,000 | $282,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,421 | $589,840,000 | $243,000 | $834,000 | $133,000 | $1,689,000 |
| Not Provided | 1,352 | $315,152,000 | $233,000 | $834,000 | $129,000 | $521,000 |
| Black or African American | 239 | $52,558,000 | $219,000 | $743,000 | $109,000 | $315,000 |
| Asian | 79 | $23,351,000 | $295,000 | $834,000 | $140,000 | $327,000 |
| Hispanic | 66 | $16,424,000 | $248,000 | $660,000 | $124,000 | $263,000 |
| American Indian or Alaskan Native | 18 | $5,052,000 | $280,000 | $567,000 | $148,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $971,000 | $161,000 | $340,000 | $92,000 | $228,000 |
| 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) | 4,140 | $990,975,000 | $239,000 | $834,000 | $131,000 | $1,689,000 |
| VA-guaranteed (Veterans Administration) | 40 | $12,113,000 | $302,000 | $408,000 | $111,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $260,000 | $260,000 | $260,000 | $123,000 | $123,000 |
| FHA-insured (Federal Housing 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 | 3,163 | $726,732,000 | $229,000 | $834,000 | $131,000 | $1,689,000 |
| Application Withdrawn By Applicant | 915 | $258,256,000 | $282,000 | $758,000 | $133,000 | $865,000 |
| Application Denied By Financial Institution | 93 | $16,488,000 | $177,000 | $637,000 | $90,000 | $316,000 |
| Application Approved But Not Accepted | 6 | $1,029,000 | $171,000 | $397,000 | $85,000 | $136,000 |
| File Closed For Incompleteness | 4 | $843,000 | $210,000 | $306,000 | $137,000 | $274,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 43 | $7,569,000 | $176,000 | $637,000 | $102,000 | $316,000 |
| Debt-To-Income Ratio | 36 | $6,564,000 | $182,000 | $558,000 | $74,000 | $194,000 |
| Collateral | 8 | $1,030,000 | $128,000 | $260,000 | $90,000 | $171,000 |
| Mortgage Insurance Denied | 4 | $973,000 | $243,000 | $377,000 | $136,000 | $198,000 |
| Unverifiable Information | 2 | $352,000 | $176,000 | $176,000 | $23,000 | $46,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tower Federal Credit Union's 2009 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 Tower 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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.