Tower Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Tower Federal Credit Union 2018 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 | 7,549 |
| Total Mortgage Loan Application Amount | $926,865,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $158,800 |
| Highest Applicant Income | $2,553,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,188 | $ 155,000,000 | $ 130,000 | $ 150,000 |
| Howard County Maryland | 549 | $ 89,285,000 | $ 162,000 | $ 174,000 |
| Montgomery County Maryland | 443 | $ 57,475,000 | $ 129,000 | $ 194,000 |
| Fairfax County Virginia | 425 | $ 55,385,000 | $ 130,000 | $ 209,000 |
| Baltimore County Maryland | 418 | $ 54,240,000 | $ 129,000 | $ 149,000 |
| Loudoun County Virginia | 298 | $ 33,790,000 | $ 113,000 | $ 194,000 |
| Prince George's County Maryland | 290 | $ 32,720,000 | $ 112,000 | $ 127,000 |
| District of Columbia County District Of Columbia | 276 | $ 39,480,000 | $ 143,000 | $ 218,000 |
| Carroll County Maryland | 234 | $ 28,220,000 | $ 120,000 | $ 143,000 |
| Baltimore City County Maryland | 142 | $ 13,740,000 | $ 96,000 | $ 137,000 |
| Mecklenburg County North Carolina | 128 | $ 13,850,000 | $ 108,000 | $ 183,000 |
| Prince William County Virginia | 123 | $ 10,675,000 | $ 86,000 | $ 161,000 |
| Frederick County Maryland | 122 | $ 16,630,000 | $ 136,000 | $ 162,000 |
| Harford County Maryland | 96 | $ 10,350,000 | $ 107,000 | $ 148,000 |
| Philadelphia County Pennsylvania | 95 | $ 10,855,000 | $ 114,000 | $ 187,000 |
| Montgomery County Pennsylvania | 87 | $ 8,655,000 | $ 99,000 | $ 199,000 |
| Alexandria County Virginia | 87 | $ 11,215,000 | $ 128,000 | $ 217,000 |
| Queen Anne's County Maryland | 83 | $ 9,795,000 | $ 118,000 | $ 154,000 |
| Chester County Pennsylvania | 83 | $ 7,875,000 | $ 94,000 | $ 182,000 |
| Calvert County Maryland | 75 | $ 7,815,000 | $ 104,000 | $ 143,000 |
| Arlington County Virginia | 75 | $ 11,705,000 | $ 156,000 | $ 247,000 |
| New Castle County Delaware | 74 | $ 6,820,000 | $ 92,000 | $ 167,000 |
| Sussex County Delaware | 72 | $ 12,610,000 | $ 175,000 | $ 224,000 |
| St. Mary's County Maryland | 72 | $ 7,430,000 | $ 103,000 | $ 157,000 |
| Wake County North Carolina | 69 | $ 6,615,000 | $ 95,000 | $ 169,000 |
| Chesterfield County Virginia | 61 | $ 5,395,000 | $ 88,000 | $ 138,000 |
| Henrico County Virginia | 56 | $ 6,340,000 | $ 113,000 | $ 179,000 |
| Bucks County Pennsylvania | 51 | $ 5,625,000 | $ 110,000 | $ 207,000 |
| Albemarle County Virginia | 48 | $ 5,580,000 | $ 116,000 | $ 176,000 |
| Charles County Maryland | 47 | $ 4,145,000 | $ 88,000 | $ 124,000 |
| Charleston County South Carolina | 47 | $ 5,485,000 | $ 116,000 | $ 234,000 |
| Union County North Carolina | 44 | $ 5,020,000 | $ 114,000 | $ 176,000 |
| Delaware County Pennsylvania | 43 | $ 5,125,000 | $ 119,000 | $ 208,000 |
| Virginia Beach County Virginia | 40 | $ 3,880,000 | $ 97,000 | $ 172,000 |
| York County Pennsylvania | 35 | $ 2,665,000 | $ 76,000 | $ 118,000 |
| Fauquier County Virginia | 29 | $ 2,435,000 | $ 83,000 | $ 162,000 |
| Worcester County Maryland | 28 | $ 3,040,000 | $ 108,000 | $ 140,000 |
| Stafford County Virginia | 26 | $ 2,020,000 | $ 77,000 | $ 168,000 |
| Talbot County Maryland | 25 | $ 2,885,000 | $ 115,000 | $ 155,000 |
| Spotsylvania County Virginia | 25 | $ 1,725,000 | $ 69,000 | $ 128,000 |
| Richmond City County Virginia | 24 | $ 2,420,000 | $ 100,000 | $ 133,000 |
| Northampton County Pennsylvania | 23 | $ 2,365,000 | $ 102,000 | $ 213,000 |
| Buncombe County North Carolina | 22 | $ 2,660,000 | $ 120,000 | $ 125,000 |
| York County South Carolina | 22 | $ 2,380,000 | $ 108,000 | $ 143,000 |
| Camden County New Jersey | 21 | $ 1,555,000 | $ 74,000 | $ 156,000 |
| Cape May County New Jersey | 21 | $ 2,305,000 | $ 109,000 | $ 264,000 |
| Hanover County Virginia | 21 | $ 2,135,000 | $ 101,000 | $ 138,000 |
| Allegheny County Pennsylvania | 20 | $ 1,760,000 | $ 88,000 | $ 168,000 |
| Iredell County North Carolina | 19 | $ 2,075,000 | $ 109,000 | $ 188,000 |
| Orange County Virginia | 19 | $ 1,455,000 | $ 76,000 | $ 127,000 |
| Frederick County Virginia | 18 | $ 1,190,000 | $ 66,000 | $ 151,000 |
| Cook County Illinois | 17 | $ 2,295,000 | $ 135,000 | $ 180,000 |
| Middlesex County New Jersey | 17 | $ 1,635,000 | $ 96,000 | $ 126,000 |
| Ocean County New Jersey | 17 | $ 1,445,000 | $ 85,000 | $ 142,000 |
| Burlington County New Jersey | 16 | $ 1,600,000 | $ 100,000 | $ 192,000 |
| Monmouth County New Jersey | 16 | $ 1,500,000 | $ 93,000 | $ 185,000 |
| Cecil County Maryland | 15 | $ 1,185,000 | $ 79,000 | $ 121,000 |
| Cabarrus County North Carolina | 15 | $ 1,545,000 | $ 103,000 | $ 135,000 |
| Chesapeake County Virginia | 15 | $ 1,185,000 | $ 79,000 | $ 160,000 |
| Washington County Maryland | 14 | $ 1,780,000 | $ 127,000 | $ 94,000 |
| Charlottesville County Virginia | 14 | $ 2,170,000 | $ 155,000 | $ 184,000 |
| Caroline County Maryland | 13 | $ 1,285,000 | $ 98,000 | $ 121,000 |
| Morris County New Jersey | 13 | $ 1,265,000 | $ 97,000 | $ 174,000 |
| Adams County Pennsylvania | 13 | $ 1,525,000 | $ 117,000 | $ 121,000 |
| Lancaster County Pennsylvania | 13 | $ 975,000 | $ 75,000 | $ 123,000 |
| Gloucester County New Jersey | 12 | $ 1,060,000 | $ 88,000 | $ 174,000 |
| Beaufort County South Carolina | 12 | $ 1,320,000 | $ 110,000 | $ 156,000 |
| Somerset County New Jersey | 11 | $ 905,000 | $ 82,000 | $ 242,000 |
| Berkeley County South Carolina | 11 | $ 1,345,000 | $ 122,000 | $ 155,000 |
| Culpeper County Virginia | 11 | $ 775,000 | $ 70,000 | $ 103,000 |
| Louisa County Virginia | 11 | $ 775,000 | $ 70,000 | $ 185,000 |
| Berkeley County West Virginia | 11 | $ 755,000 | $ 68,000 | $ 105,000 |
| San Diego County California | 10 | $ 2,080,000 | $ 208,000 | $ 162,000 |
| Broward County Florida | 10 | $ 1,250,000 | $ 125,000 | $ 191,000 |
| Columbia County Georgia | 10 | $ 1,280,000 | $ 128,000 | $ 158,000 |
| Multnomah County Oregon | 10 | $ 1,250,000 | $ 125,000 | $ 102,000 |
| Greenville County South Carolina | 10 | $ 1,240,000 | $ 124,000 | $ 101,000 |
| King George County Virginia | 10 | $ 610,000 | $ 61,000 | $ 135,000 |
| Palm Beach County Florida | 9 | $ 825,000 | $ 91,000 | $ 158,000 |
| Pinellas County Florida | 9 | $ 755,000 | $ 83,000 | $ 90,000 |
| Atlantic County New Jersey | 9 | $ 875,000 | $ 97,000 | $ 180,000 |
| Mercer County New Jersey | 9 | $ 1,225,000 | $ 136,000 | $ 217,000 |
| Berks County Pennsylvania | 9 | $ 555,000 | $ 61,000 | $ 91,000 |
| Manassas County Virginia | 9 | $ 445,000 | $ 49,000 | $ 115,000 |
| Suffolk County Virginia | 9 | $ 775,000 | $ 86,000 | $ 174,000 |
| Maricopa County Arizona | 8 | $ 860,000 | $ 107,000 | $ 156,000 |
| Arapahoe County Colorado | 8 | $ 1,670,000 | $ 208,000 | $ 171,000 |
| Essex County New Jersey | 8 | $ 750,000 | $ 93,000 | $ 150,000 |
| Manatee County Florida | 7 | $ 765,000 | $ 109,000 | $ 124,000 |
| Orange County Florida | 7 | $ 1,135,000 | $ 162,000 | $ 102,000 |
| Sarasota County Florida | 7 | $ 755,000 | $ 107,000 | $ 115,000 |
| Wicomico County Maryland | 7 | $ 695,000 | $ 99,000 | $ 168,000 |
| Union County New Jersey | 7 | $ 825,000 | $ 117,000 | $ 198,000 |
| Horry County South Carolina | 7 | $ 535,000 | $ 76,000 | $ 89,000 |
| Lancaster County South Carolina | 7 | $ 725,000 | $ 103,000 | $ 112,000 |
| Fairfax City County Virginia | 7 | $ 1,105,000 | $ 157,000 | $ 245,000 |
| Los Angeles County California | 6 | $ 1,260,000 | $ 210,000 | $ 130,000 |
| Sumter County Florida | 6 | $ 1,860,000 | $ 310,000 | $ 108,000 |
| Volusia County Florida | 6 | $ 480,000 | $ 80,000 | $ 84,000 |
| Fulton County Georgia | 6 | $ 1,640,000 | $ 273,000 | $ 254,000 |
| Garrett County Maryland | 6 | $ 630,000 | $ 105,000 | $ 170,000 |
| Durham County North Carolina | 6 | $ 580,000 | $ 96,000 | $ 108,000 |
| Centre County Pennsylvania | 6 | $ 830,000 | $ 138,000 | $ 139,000 |
| Lehigh County Pennsylvania | 6 | $ 560,000 | $ 93,000 | $ 175,000 |
| Bedford County Virginia | 6 | $ 330,000 | $ 55,000 | $ 84,000 |
| Greene County Virginia | 6 | $ 630,000 | $ 105,000 | $ 115,000 |
| James City County Virginia | 6 | $ 470,000 | $ 78,000 | $ 134,000 |
| Norfolk County Virginia | 6 | $ 360,000 | $ 60,000 | $ 142,000 |
| Powhatan County Virginia | 6 | $ 890,000 | $ 148,000 | $ 174,000 |
| Alameda County California | 5 | $ 375,000 | $ 75,000 | $ 82,000 |
| Fairfield County Connecticut | 5 | $ 505,000 | $ 101,000 | $ 118,000 |
| DuPage County Illinois | 5 | $ 495,000 | $ 99,000 | $ 169,000 |
| Dorchester County Maryland | 5 | $ 385,000 | $ 77,000 | $ 198,000 |
| Dare County North Carolina | 5 | $ 735,000 | $ 147,000 | $ 394,000 |
| Johnston County North Carolina | 5 | $ 365,000 | $ 73,000 | $ 154,000 |
| New Hanover County North Carolina | 5 | $ 675,000 | $ 135,000 | $ 221,000 |
| Butler County Pennsylvania | 5 | $ 1,245,000 | $ 249,000 | $ 246,000 |
| Cumberland County Pennsylvania | 5 | $ 725,000 | $ 145,000 | $ 145,000 |
| Westmoreland County Pennsylvania | 5 | $ 625,000 | $ 125,000 | $ 76,000 |
| Lexington County South Carolina | 5 | $ 645,000 | $ 129,000 | $ 125,000 |
| Richland County South Carolina | 5 | $ 345,000 | $ 69,000 | $ 191,000 |
| Davidson County Tennessee | 5 | $ 705,000 | $ 141,000 | $ 144,000 |
| Falls Church County Virginia | 5 | $ 1,275,000 | $ 255,000 | $ 264,000 |
| Goochland County Virginia | 5 | $ 785,000 | $ 157,000 | $ 386,000 |
| Pima County Arizona | 4 | $ 730,000 | $ 182,000 | $ 94,000 |
| Denver County Colorado | 4 | $ 900,000 | $ 225,000 | $ 153,000 |
| Hartford County Connecticut | 4 | $ 220,000 | $ 55,000 | $ 111,000 |
| Kent County Delaware | 4 | $ 530,000 | $ 132,000 | $ 80,000 |
| Kane County Illinois | 4 | $ 410,000 | $ 102,000 | $ 163,000 |
| Kent County Maryland | 4 | $ 250,000 | $ 62,000 | $ 72,000 |
| Oakland County Michigan | 4 | $ 940,000 | $ 235,000 | $ 229,000 |
| Bergen County New Jersey | 4 | $ 330,000 | $ 82,000 | $ 161,000 |
| Hunterdon County New Jersey | 4 | $ 540,000 | $ 135,000 | $ 291,000 |
| Passaic County New Jersey | 4 | $ 380,000 | $ 95,000 | $ 182,000 |
| Nassau County New York | 4 | $ 900,000 | $ 225,000 | $ 211,000 |
| Suffolk County New York | 4 | $ 490,000 | $ 122,000 | $ 167,000 |
| Carteret County North Carolina | 4 | $ 540,000 | $ 135,000 | $ 210,000 |
| Catawba County North Carolina | 4 | $ 490,000 | $ 122,000 | $ 146,000 |
| Forsyth County North Carolina | 4 | $ 340,000 | $ 85,000 | $ 109,000 |
| Clackamas County Oregon | 4 | $ 340,000 | $ 85,000 | $ 129,000 |
| Clarke County Virginia | 4 | $ 200,000 | $ 50,000 | $ 144,000 |
| Montgomery County Virginia | 4 | $ 280,000 | $ 70,000 | $ 222,000 |
| Warren County Virginia | 4 | $ 140,000 | $ 35,000 | $ 132,000 |
| Jefferson County West Virginia | 4 | $ 530,000 | $ 132,000 | $ 115,000 |
| El Paso County Colorado | 3 | $ 1,095,000 | $ 365,000 | $ 93,000 |
| Hillsborough County Florida | 3 | $ 305,000 | $ 101,000 | $ 143,000 |
| Lee County Florida | 3 | $ 735,000 | $ 245,000 | $ 153,000 |
| Miami-Dade County Florida | 3 | $ 245,000 | $ 81,000 | $ 104,000 |
| Pasco County Florida | 3 | $ 265,000 | $ 88,000 | $ 65,000 |
| DeKalb County Georgia | 3 | $ 705,000 | $ 235,000 | $ 90,000 |
| Lake County Illinois | 3 | $ 695,000 | $ 231,000 | $ 158,000 |
| Allen County Indiana | 3 | $ 625,000 | $ 208,000 | $ 90,000 |
| Jefferson County Kentucky | 3 | $ 665,000 | $ 221,000 | $ 322,000 |
| Gaston County North Carolina | 3 | $ 245,000 | $ 81,000 | $ 196,000 |
| Guilford County North Carolina | 3 | $ 315,000 | $ 105,000 | $ 203,000 |
| Henderson County North Carolina | 3 | $ 325,000 | $ 108,000 | $ 175,000 |
| Rowan County North Carolina | 3 | $ 355,000 | $ 118,000 | $ 182,000 |
| Delaware County Ohio | 3 | $ 655,000 | $ 218,000 | $ 139,000 |
| Luzerne County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 213,000 |
| Washington County Pennsylvania | 3 | $ 415,000 | $ 138,000 | $ 119,000 |
| Anderson County South Carolina | 3 | $ 225,000 | $ 75,000 | $ 141,000 |
| Williamson County Tennessee | 3 | $ 275,000 | $ 91,000 | $ 223,000 |
| Utah County Utah | 3 | $ 735,000 | $ 245,000 | $ 106,000 |
| Accomack County Virginia | 3 | $ 395,000 | $ 131,000 | $ 192,000 |
| Augusta County Virginia | 3 | $ 175,000 | $ 58,000 | $ 116,000 |
| Fluvanna County Virginia | 3 | $ 115,000 | $ 38,000 | $ 46,000 |
| Fredericksburg County Virginia | 3 | $ 195,000 | $ 65,000 | $ 126,000 |
| Hampton County Virginia | 3 | $ 205,000 | $ 68,000 | $ 274,000 |
| Manassas Park County Virginia | 3 | $ 175,000 | $ 58,000 | $ 151,000 |
| Rappahannock County Virginia | 3 | $ 125,000 | $ 41,000 | $ 141,000 |
| Roanoke County Virginia | 3 | $ 215,000 | $ 71,000 | $ 125,000 |
| Westmoreland County Virginia | 3 | $ 105,000 | $ 35,000 | $ 88,000 |
| York County Virginia | 3 | $ 215,000 | $ 71,000 | $ 123,000 |
| Spokane County Washington | 3 | $ 485,000 | $ 161,000 | $ 285,000 |
| Kanawha County West Virginia | 3 | $ 895,000 | $ 298,000 | $ 137,000 |
| Raleigh County West Virginia | 3 | $ 195,000 | $ 65,000 | $ 106,000 |
| Cochise County Arizona | 2 | $ 60,000 | $ 30,000 | $ 78,000 |
| Pinal County Arizona | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Kern County California | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Orange County California | 2 | $ 280,000 | $ 140,000 | $ 221,000 |
| Ventura County California | 2 | $ 370,000 | $ 185,000 | $ 110,000 |
| Douglas County Colorado | 2 | $ 570,000 | $ 285,000 | $ 137,000 |
| Larimer County Colorado | 2 | $ 40,000 | $ 20,000 | $ 254,000 |
| Brevard County Florida | 2 | $ 380,000 | $ 190,000 | $ 177,000 |
| Collier County Florida | 2 | $ 360,000 | $ 180,000 | $ 390,000 |
| Duval County Florida | 2 | $ 350,000 | $ 175,000 | $ 210,000 |
| Flagler County Florida | 2 | $ 430,000 | $ 215,000 | $ 53,000 |
| Gadsden County Florida | 2 | $ 630,000 | $ 315,000 | $ 173,000 |
| Lake County Florida | 2 | $ 250,000 | $ 125,000 | $ 99,000 |
| Marion County Florida | 2 | $ 550,000 | $ 275,000 | $ 128,000 |
| Richmond County Georgia | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Plymouth County Massachusetts | 2 | $ 290,000 | $ 145,000 | $ 124,000 |
| Wayne County Michigan | 2 | $ 260,000 | $ 130,000 | $ 328,000 |
| Clark County Nevada | 2 | $ 490,000 | $ 245,000 | $ 135,000 |
| Cumberland County New Jersey | 2 | $ 50,000 | $ 25,000 | $ 110,000 |
| Hudson County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 136,000 |
| Santa Fe County New Mexico | 2 | $ 230,000 | $ 115,000 | $ 105,000 |
| Dutchess County New York | 2 | $ 150,000 | $ 75,000 | $ 217,000 |
| Orange County New York | 2 | $ 290,000 | $ 145,000 | $ 203,000 |
| Warren County New York | 2 | $ 450,000 | $ 225,000 | $ 104,000 |
| Brunswick County North Carolina | 2 | $ 910,000 | $ 455,000 | $ 164,000 |
| Burke County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 91,000 |
| Camden County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 152,000 |
| Chatham County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 166,000 |
| Craven County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 232,000 |
| Currituck County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 293,000 |
| Lincoln County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 298,000 |
| Montgomery County North Carolina | 2 | $ 510,000 | $ 255,000 | $ 96,000 |
| Orange County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 281,000 |
| Pender County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 515,000 |
| Hamilton County Ohio | 2 | $ 230,000 | $ 115,000 | $ 157,000 |
| Cambria County Pennsylvania | 2 | $ 40,000 | $ 20,000 | $ 62,000 |
| Dauphin County Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 61,000 |
| Fulton County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 147,000 |
| Huntingdon County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Somerset County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 191,000 |
| Darlington County South Carolina | 2 | $ 170,000 | $ 85,000 | $ 171,000 |
| Dorchester County South Carolina | 2 | $ 60,000 | $ 30,000 | $ 87,000 |
| Coffee County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 119,000 |
| White County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 58,000 |
| Wilson County Tennessee | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Bexar County Texas | 2 | $ 370,000 | $ 185,000 | $ 130,000 |
| Dinwiddie County Virginia | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Franklin County Virginia | 2 | $ 150,000 | $ 75,000 | $ 114,000 |
| Hopewell County Virginia | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Madison County Virginia | 2 | $ 150,000 | $ 75,000 | $ 121,000 |
| Middlesex County Virginia | 2 | $ 260,000 | $ 130,000 | $ 294,000 |
| New Kent County Virginia | 2 | $ 310,000 | $ 155,000 | $ 123,000 |
| Newport News County Virginia | 2 | $ 210,000 | $ 105,000 | $ 157,000 |
| Petersburg County Virginia | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| Rockingham County Virginia | 2 | $ 180,000 | $ 90,000 | $ 125,000 |
| Staunton County Virginia | 2 | $ 60,000 | $ 30,000 | $ 80,000 |
| Winchester County Virginia | 2 | $ 140,000 | $ 70,000 | $ 106,000 |
| Hampshire County West Virginia | 2 | $ 120,000 | $ 60,000 | $ 231,000 |
| Monongalia County West Virginia | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Jefferson County Alabama | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Tallapoosa County Alabama | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Kenai Peninsula County Alaska | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Pulaski County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Contra Costa County California | 1 | $ 205,000 | $ 205,000 | $ 250,000 |
| Fresno County California | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Humboldt County California | 1 | $ 75,000 | $ 75,000 | $ 257,000 |
| Lake County California | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| San Francisco County California | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| San Mateo County California | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Santa Clara County California | 1 | $ 745,000 | $ 745,000 | $ 185,000 |
| Solano County California | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Stanislaus County California | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Adams County Colorado | 1 | $ 445,000 | $ 445,000 | $ 155,000 |
| Boulder County Colorado | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Fremont County Colorado | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Jefferson County Colorado | 1 | $ 75,000 | $ 75,000 | $ 158,000 |
| Mesa County Colorado | 1 | $ 185,000 | $ 185,000 | $ 142,000 |
| Weld County Colorado | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Hernando County Florida | 1 | $ 395,000 | $ 395,000 | $ 292,000 |
| Highlands County Florida | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Indian River County Florida | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Okaloosa County Florida | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Osceola County Florida | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Polk County Florida | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Seminole County Florida | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| St. Johns County Florida | 1 | $ 205,000 | $ 205,000 | $ 183,000 |
| St. Lucie County Florida | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Dawson County Georgia | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Fayette County Georgia | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Forsyth County Georgia | 1 | $ 85,000 | $ 85,000 | $ 195,000 |
| Franklin County Georgia | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Henry County Georgia | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Houston County Georgia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Madison County Georgia | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Hawaii County Hawaii | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Honolulu County Hawaii | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Bonneville County Idaho | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Kootenai County Idaho | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Macon County Illinois | 1 | $ 15,000 | $ 15,000 | $ 133,000 |
| Monroe County Illinois | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| St. Clair County Illinois | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Will County Illinois | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Hancock County Indiana | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Lake County Indiana | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Marion County Indiana | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Montgomery County Indiana | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Porter County Indiana | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Steuben County Indiana | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Douglas County Kansas | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Stevens County Kansas | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Sumner County Kansas | 1 | $ 45,000 | $ 45,000 | $ 229,000 |
| Kenton County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Madison County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Orleans County Louisiana | 1 | $ 315,000 | $ 315,000 | $ 180,000 |
| West Feliciana County Louisiana | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Androscoggin County Maine | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Allegany County Maryland | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Somerset County Maryland | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Barnstable County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Middlesex County Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 221,000 |
| Nantucket County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Gogebic County Michigan | 1 | $ 15,000 | $ 15,000 | $ 165,000 |
| Kent County Michigan | 1 | $ 125,000 | $ 125,000 | $ 150,000 |
| Macomb County Michigan | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Muskegon County Michigan | 1 | $ 125,000 | $ 125,000 | $ 187,000 |
| Newaygo County Michigan | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Washtenaw County Michigan | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Cass County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Hinds County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 169,000 |
| Crawford County Missouri | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| St. Charles County Missouri | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| St. Louis County Missouri | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Yellowstone County Montana | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Sarpy County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Carson City County Nevada | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Coos County New Hampshire | 1 | $ 155,000 | $ 155,000 | $ 184,000 |
| Salem County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Sussex County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Warren County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Dona Ana County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 203,000 |
| Sandoval County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| Taos County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Broome County New York | 1 | $ 45,000 | $ 45,000 | $ 162,000 |
| Erie County New York | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Jefferson County New York | 1 | $ 145,000 | $ 145,000 | $ 130,000 |
| New York County New York | 1 | $ 45,000 | $ 45,000 | $ 181,000 |
| Saratoga County New York | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Ulster County New York | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Westchester County New York | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Alamance County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 306,000 |
| Caldwell County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Cherokee County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Cleveland County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Columbus County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Halifax County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 362,000 |
| Lee County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Macon County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 287,000 |
| Moore County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Northampton County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 189,000 |
| Onslow County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Randolph County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Transylvania County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 224,000 |
| Wayne County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Wilson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 189,000 |
| Cuyahoga County Ohio | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Fairfield County Ohio | 1 | $ 245,000 | $ 245,000 | $ 275,000 |
| Greene County Ohio | 1 | $ 55,000 | $ 55,000 | $ 173,000 |
| Licking County Ohio | 1 | $ 125,000 | $ 125,000 | $ 268,000 |
| Creek County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| McClain County Oklahoma | 1 | $ 335,000 | $ 335,000 | $ 214,000 |
| Lincoln County Oregon | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Marion County Oregon | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Tillamook County Oregon | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Beaver County Pennsylvania | 1 | $ 565,000 | $ 565,000 | $ 280,000 |
| Bedford County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Clinton County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Columbia County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 6,000 |
| Erie County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Fayette County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Lebanon County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Mercer County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Monroe County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Aiken County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Chester County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Colleton County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Georgetown County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 164,000 |
| Kershaw County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Newberry County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Pickens County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Lincoln County South Dakota | 1 | $ 495,000 | $ 495,000 | $ 293,000 |
| Blount County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Fentress County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Greene County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Madison County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Rutherford County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
| Washington County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 325,000 |
| Denton County Texas | 1 | $ 375,000 | $ 375,000 | $ 209,000 |
| El Paso County Texas | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Fort Bend County Texas | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 387,000 |
| Hood County Texas | 1 | $ 225,000 | $ 225,000 | $ 171,000 |
| Tarrant County Texas | 1 | $ 375,000 | $ 375,000 | $ 275,000 |
| Cache County Utah | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Salt Lake County Utah | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| Rutland County Vermont | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Botetourt County Virginia | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Caroline County Virginia | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Carroll County Virginia | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Colonial Heights County Virginia | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Giles County Virginia | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Harrisonburg County Virginia | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Isle of Wight County Virginia | 1 | $ 85,000 | $ 85,000 | $ 140,000 |
| King and Queen County Virginia | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| King William County Virginia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Lynchburg County Virginia | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Nelson County Virginia | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Northampton County Virginia | 1 | $ 85,000 | $ 85,000 | $ 216,000 |
| Northumberland County Virginia | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Page County Virginia | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Portsmouth County Virginia | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Prince George County Virginia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Pulaski County Virginia | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Rockbridge County Virginia | 1 | $ 75,000 | $ 75,000 | $ 228,000 |
| Shenandoah County Virginia | 1 | $ 155,000 | $ 155,000 | $ 246,000 |
| Washington County Virginia | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Waynesboro County Virginia | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Wythe County Virginia | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| King County Washington | 1 | $ 255,000 | $ 255,000 | $ 750,000 |
| Morgan County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Ashland County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 157,000 |
| Waukesha County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 248,000 |
Mortgage Loan Application Detail Totals for Tower Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,812 | $447,440,000 | $159,000 | $725,000 | $192,000 | $2,553,000 |
| Home Improvement | 2,530 | $215,440,000 | $85,000 | $405,000 | $157,000 | $1,353,000 |
| Other Purpose | 1,598 | $145,680,000 | $91,000 | $435,000 | $148,000 | $1,080,000 |
| Cash-out Refinancing | 460 | $76,730,000 | $166,000 | $855,000 | $150,000 | $1,116,000 |
| Refinancing | 149 | $41,575,000 | $279,000 | $855,000 | $147,000 | $475,000 |
| 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 | 4,324 | $533,670,000 | $123,000 | $855,000 | $164,000 | $2,553,000 |
| Not Provided | 2,027 | $251,435,000 | $124,000 | $855,000 | $184,000 | $1,677,000 |
| Black or African American | 612 | $68,830,000 | $112,000 | $715,000 | $140,000 | $900,000 |
| Asian | 290 | $38,190,000 | $131,000 | $705,000 | $174,000 | $1,080,000 |
| Hispanic | 211 | $23,555,000 | $111,000 | $605,000 | $150,000 | $580,000 |
| American Indian or Alaskan Native | 30 | $3,960,000 | $132,000 | $405,000 | $173,000 | $927,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $245,000 | $81,000 | $95,000 | $193,000 | $267,000 |
| 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) | 7,525 | $919,115,000 | $122,000 | $855,000 | $167,000 | $2,553,000 |
| VA-guaranteed (Veterans Administration) | 24 | $7,750,000 | $322,000 | $535,000 | $153,000 | $367,000 |
| 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 | 4,833 | $576,275,000 | $119,000 | $725,000 | $177,000 | $2,553,000 |
| Application Denied By Financial Institution | 1,578 | $170,200,000 | $107,000 | $855,000 | $138,000 | $1,353,000 |
| Application Withdrawn By Applicant | 750 | $122,350,000 | $163,000 | $765,000 | $173,000 | $1,677,000 |
| File Closed For Incompleteness | 374 | $56,780,000 | $151,000 | $855,000 | $152,000 | $882,000 |
| Application Approved But Not Accepted | 14 | $1,260,000 | $90,000 | $235,000 | $153,000 | $403,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,971 | $756,665,000 | $126,000 | $855,000 | $175,000 | $2,553,000 |
| Credit History | 606 | $57,840,000 | $95,000 | $855,000 | $150,000 | $1,353,000 |
| Debt-To-Income Ratio | 560 | $65,690,000 | $117,000 | $625,000 | $104,000 | $1,116,000 |
| Other | 213 | $22,595,000 | $106,000 | $635,000 | $175,000 | $1,116,000 |
| Collateral | 153 | $18,605,000 | $121,000 | $605,000 | $161,000 | $474,000 |
| Employment History | 26 | $3,490,000 | $134,000 | $625,000 | $194,000 | $1,080,000 |
| Mortgage Insurance Denied | 10 | $770,000 | $77,000 | $155,000 | $154,000 | $225,000 |
| Unverifiable Information | 6 | $760,000 | $126,000 | $405,000 | $82,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $450,000 | $112,000 | $175,000 | $114,000 | $236,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tower Federal Credit Union's 2018 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.