Tower Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Tower Federal Credit Union of Laurel, MD reported 7,549 mortgage applications totaling $926.9 million, up 474% from 2017. The average application was for $122,779, and applicants reported an average income of $167,508. 64% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (2,710), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,829) and Silver Spring-Frederick-Rockville, MD (565) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,549 |
| Total Mortgage Loan Application Amount | $926,865,000 |
| Average Mortgage Loan Application Amount | $122,779 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $167,508 |
| Highest Applicant Income | $2,553,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tower Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anne Arundel, Maryland | 1,188 | $ 155,000,000 | $ 130,471 | $ 150,000 |
| Howard, Maryland | 549 | $ 89,285,000 | $ 162,632 | $ 174,000 |
| Montgomery, Maryland | 443 | $ 57,475,000 | $ 129,740 | $ 194,000 |
| Fairfax, Virginia | 425 | $ 55,385,000 | $ 130,317 | $ 209,000 |
| Baltimore, Maryland | 418 | $ 54,240,000 | $ 129,760 | $ 149,000 |
| Loudoun, Virginia | 298 | $ 33,790,000 | $ 113,389 | $ 194,000 |
| Prince George's, Maryland | 290 | $ 32,720,000 | $ 112,827 | $ 127,000 |
| District of Columbia, District Of Columbia | 276 | $ 39,480,000 | $ 143,043 | $ 218,000 |
| Carroll, Maryland | 234 | $ 28,220,000 | $ 120,598 | $ 143,000 |
| Baltimore City, Maryland | 142 | $ 13,740,000 | $ 96,760 | $ 137,000 |
| Mecklenburg, North Carolina | 128 | $ 13,850,000 | $ 108,203 | $ 183,000 |
| Prince William, Virginia | 123 | $ 10,675,000 | $ 86,788 | $ 161,000 |
| Frederick, Maryland | 122 | $ 16,630,000 | $ 136,311 | $ 162,000 |
| Harford, Maryland | 96 | $ 10,350,000 | $ 107,812 | $ 148,000 |
| Philadelphia, Pennsylvania | 95 | $ 10,855,000 | $ 114,263 | $ 187,000 |
| Montgomery, Pennsylvania | 87 | $ 8,655,000 | $ 99,482 | $ 199,000 |
| Alexandria, Virginia | 87 | $ 11,215,000 | $ 128,908 | $ 217,000 |
| Queen Anne's, Maryland | 83 | $ 9,795,000 | $ 118,012 | $ 154,000 |
| Chester, Pennsylvania | 83 | $ 7,875,000 | $ 94,879 | $ 182,000 |
| Calvert, Maryland | 75 | $ 7,815,000 | $ 104,200 | $ 143,000 |
| Arlington, Virginia | 75 | $ 11,705,000 | $ 156,066 | $ 247,000 |
| New Castle, Delaware | 74 | $ 6,820,000 | $ 92,162 | $ 167,000 |
| Sussex, Delaware | 72 | $ 12,610,000 | $ 175,138 | $ 224,000 |
| St. Mary's, Maryland | 72 | $ 7,430,000 | $ 103,194 | $ 157,000 |
| Wake, North Carolina | 69 | $ 6,615,000 | $ 95,869 | $ 169,000 |
| Chesterfield, Virginia | 61 | $ 5,395,000 | $ 88,442 | $ 138,000 |
| Henrico, Virginia | 56 | $ 6,340,000 | $ 113,214 | $ 179,000 |
| Bucks, Pennsylvania | 51 | $ 5,625,000 | $ 110,294 | $ 207,000 |
| Albemarle, Virginia | 48 | $ 5,580,000 | $ 116,250 | $ 176,000 |
| Charles, Maryland | 47 | $ 4,145,000 | $ 88,191 | $ 124,000 |
| Charleston, South Carolina | 47 | $ 5,485,000 | $ 116,702 | $ 234,000 |
| Union, North Carolina | 44 | $ 5,020,000 | $ 114,090 | $ 176,000 |
| Delaware, Pennsylvania | 43 | $ 5,125,000 | $ 119,186 | $ 208,000 |
| Virginia Beach, Virginia | 40 | $ 3,880,000 | $ 97,000 | $ 172,000 |
| York, Pennsylvania | 35 | $ 2,665,000 | $ 76,142 | $ 118,000 |
| Fauquier, Virginia | 29 | $ 2,435,000 | $ 83,965 | $ 162,000 |
| Worcester, Maryland | 28 | $ 3,040,000 | $ 108,571 | $ 140,000 |
| Stafford, Virginia | 26 | $ 2,020,000 | $ 77,692 | $ 168,000 |
| Talbot, Maryland | 25 | $ 2,885,000 | $ 115,400 | $ 155,000 |
| Spotsylvania, Virginia | 25 | $ 1,725,000 | $ 69,000 | $ 128,000 |
| Richmond City, Virginia | 24 | $ 2,420,000 | $ 100,833 | $ 133,000 |
| Northampton, Pennsylvania | 23 | $ 2,365,000 | $ 102,826 | $ 213,000 |
| Buncombe, North Carolina | 22 | $ 2,660,000 | $ 120,909 | $ 125,000 |
| York, South Carolina | 22 | $ 2,380,000 | $ 108,181 | $ 143,000 |
| Camden, New Jersey | 21 | $ 1,555,000 | $ 74,047 | $ 156,000 |
| Cape May, New Jersey | 21 | $ 2,305,000 | $ 109,761 | $ 264,000 |
| Hanover, Virginia | 21 | $ 2,135,000 | $ 101,666 | $ 138,000 |
| Allegheny, Pennsylvania | 20 | $ 1,760,000 | $ 88,000 | $ 168,000 |
| Iredell, North Carolina | 19 | $ 2,075,000 | $ 109,210 | $ 188,000 |
| Orange, Virginia | 19 | $ 1,455,000 | $ 76,578 | $ 127,000 |
| Frederick, Virginia | 18 | $ 1,190,000 | $ 66,111 | $ 151,000 |
| Cook, Illinois | 17 | $ 2,295,000 | $ 135,000 | $ 180,000 |
| Middlesex, New Jersey | 17 | $ 1,635,000 | $ 96,176 | $ 126,000 |
| Ocean, New Jersey | 17 | $ 1,445,000 | $ 85,000 | $ 142,000 |
| Burlington, New Jersey | 16 | $ 1,600,000 | $ 100,000 | $ 192,000 |
| Monmouth, New Jersey | 16 | $ 1,500,000 | $ 93,750 | $ 185,000 |
| Cecil, Maryland | 15 | $ 1,185,000 | $ 79,000 | $ 121,000 |
| Cabarrus, North Carolina | 15 | $ 1,545,000 | $ 103,000 | $ 135,000 |
| Chesapeake, Virginia | 15 | $ 1,185,000 | $ 79,000 | $ 160,000 |
| Washington, Maryland | 14 | $ 1,780,000 | $ 127,142 | $ 94,000 |
| Charlottesville, Virginia | 14 | $ 2,170,000 | $ 155,000 | $ 184,000 |
| Caroline, Maryland | 13 | $ 1,285,000 | $ 98,846 | $ 121,000 |
| Morris, New Jersey | 13 | $ 1,265,000 | $ 97,307 | $ 174,000 |
| Adams, Pennsylvania | 13 | $ 1,525,000 | $ 117,307 | $ 121,000 |
| Lancaster, Pennsylvania | 13 | $ 975,000 | $ 75,000 | $ 123,000 |
| Gloucester, New Jersey | 12 | $ 1,060,000 | $ 88,333 | $ 174,000 |
| Beaufort, South Carolina | 12 | $ 1,320,000 | $ 110,000 | $ 156,000 |
| Somerset, New Jersey | 11 | $ 905,000 | $ 82,272 | $ 242,000 |
| Berkeley, South Carolina | 11 | $ 1,345,000 | $ 122,272 | $ 155,000 |
| Culpeper, Virginia | 11 | $ 775,000 | $ 70,454 | $ 103,000 |
| Louisa, Virginia | 11 | $ 775,000 | $ 70,454 | $ 185,000 |
| Berkeley, West Virginia | 11 | $ 755,000 | $ 68,636 | $ 105,000 |
| San Diego, California | 10 | $ 2,080,000 | $ 208,000 | $ 162,000 |
| Broward, Florida | 10 | $ 1,250,000 | $ 125,000 | $ 191,000 |
| Columbia, Georgia | 10 | $ 1,280,000 | $ 128,000 | $ 158,000 |
| Multnomah, Oregon | 10 | $ 1,250,000 | $ 125,000 | $ 102,000 |
| Greenville, South Carolina | 10 | $ 1,240,000 | $ 124,000 | $ 101,000 |
| King George, Virginia | 10 | $ 610,000 | $ 61,000 | $ 135,000 |
| Palm Beach, Florida | 9 | $ 825,000 | $ 91,666 | $ 158,000 |
| Pinellas, Florida | 9 | $ 755,000 | $ 83,888 | $ 90,000 |
| Atlantic, New Jersey | 9 | $ 875,000 | $ 97,222 | $ 180,000 |
| Mercer, New Jersey | 9 | $ 1,225,000 | $ 136,111 | $ 217,000 |
| Berks, Pennsylvania | 9 | $ 555,000 | $ 61,666 | $ 91,000 |
| Manassas, Virginia | 9 | $ 445,000 | $ 49,444 | $ 115,000 |
| Suffolk, Virginia | 9 | $ 775,000 | $ 86,111 | $ 174,000 |
| Maricopa, Arizona | 8 | $ 860,000 | $ 107,500 | $ 156,000 |
| Arapahoe, Colorado | 8 | $ 1,670,000 | $ 208,750 | $ 171,000 |
| Essex, New Jersey | 8 | $ 750,000 | $ 93,750 | $ 150,000 |
| Manatee, Florida | 7 | $ 765,000 | $ 109,285 | $ 124,000 |
| Orange, Florida | 7 | $ 1,135,000 | $ 162,142 | $ 102,000 |
| Sarasota, Florida | 7 | $ 755,000 | $ 107,857 | $ 115,000 |
| Wicomico, Maryland | 7 | $ 695,000 | $ 99,285 | $ 168,000 |
| Union, New Jersey | 7 | $ 825,000 | $ 117,857 | $ 198,000 |
| Horry, South Carolina | 7 | $ 535,000 | $ 76,428 | $ 89,000 |
| Lancaster, South Carolina | 7 | $ 725,000 | $ 103,571 | $ 112,000 |
| Fairfax City, Virginia | 7 | $ 1,105,000 | $ 157,857 | $ 245,000 |
| Los Angeles, California | 6 | $ 1,260,000 | $ 210,000 | $ 130,000 |
| Sumter, Florida | 6 | $ 1,860,000 | $ 310,000 | $ 108,000 |
| Volusia, Florida | 6 | $ 480,000 | $ 80,000 | $ 84,000 |
| Fulton, Georgia | 6 | $ 1,640,000 | $ 273,333 | $ 254,000 |
| Garrett, Maryland | 6 | $ 630,000 | $ 105,000 | $ 170,000 |
| Durham, North Carolina | 6 | $ 580,000 | $ 96,666 | $ 108,000 |
| Centre, Pennsylvania | 6 | $ 830,000 | $ 138,333 | $ 139,000 |
| Lehigh, Pennsylvania | 6 | $ 560,000 | $ 93,333 | $ 175,000 |
| Bedford, Virginia | 6 | $ 330,000 | $ 55,000 | $ 84,000 |
| Greene, Virginia | 6 | $ 630,000 | $ 105,000 | $ 115,000 |
| James City, Virginia | 6 | $ 470,000 | $ 78,333 | $ 134,000 |
| Norfolk, Virginia | 6 | $ 360,000 | $ 60,000 | $ 142,000 |
| Powhatan, Virginia | 6 | $ 890,000 | $ 148,333 | $ 174,000 |
| Alameda, California | 5 | $ 375,000 | $ 75,000 | $ 82,000 |
| Fairfield, Connecticut | 5 | $ 505,000 | $ 101,000 | $ 118,000 |
| DuPage, Illinois | 5 | $ 495,000 | $ 99,000 | $ 169,000 |
| Dorchester, Maryland | 5 | $ 385,000 | $ 77,000 | $ 198,000 |
| Dare, North Carolina | 5 | $ 735,000 | $ 147,000 | $ 394,000 |
| Johnston, North Carolina | 5 | $ 365,000 | $ 73,000 | $ 154,000 |
| New Hanover, North Carolina | 5 | $ 675,000 | $ 135,000 | $ 221,000 |
| Butler, Pennsylvania | 5 | $ 1,245,000 | $ 249,000 | $ 246,000 |
| Cumberland, Pennsylvania | 5 | $ 725,000 | $ 145,000 | $ 145,000 |
| Westmoreland, Pennsylvania | 5 | $ 625,000 | $ 125,000 | $ 76,000 |
| Lexington, South Carolina | 5 | $ 645,000 | $ 129,000 | $ 125,000 |
| Richland, South Carolina | 5 | $ 345,000 | $ 69,000 | $ 191,000 |
| Davidson, Tennessee | 5 | $ 705,000 | $ 141,000 | $ 144,000 |
| Falls Church, Virginia | 5 | $ 1,275,000 | $ 255,000 | $ 264,000 |
| Goochland, Virginia | 5 | $ 785,000 | $ 157,000 | $ 386,000 |
| Pima, Arizona | 4 | $ 730,000 | $ 182,500 | $ 94,000 |
| Denver, Colorado | 4 | $ 900,000 | $ 225,000 | $ 153,000 |
| Hartford, Connecticut | 4 | $ 220,000 | $ 55,000 | $ 111,000 |
| Kent, Delaware | 4 | $ 530,000 | $ 132,500 | $ 80,000 |
| Kane, Illinois | 4 | $ 410,000 | $ 102,500 | $ 163,000 |
| Kent, Maryland | 4 | $ 250,000 | $ 62,500 | $ 72,000 |
| Oakland, Michigan | 4 | $ 940,000 | $ 235,000 | $ 229,000 |
| Bergen, New Jersey | 4 | $ 330,000 | $ 82,500 | $ 161,000 |
| Hunterdon, New Jersey | 4 | $ 540,000 | $ 135,000 | $ 291,000 |
| Passaic, New Jersey | 4 | $ 380,000 | $ 95,000 | $ 182,000 |
| Nassau, New York | 4 | $ 900,000 | $ 225,000 | $ 211,000 |
| Suffolk, New York | 4 | $ 490,000 | $ 122,500 | $ 167,000 |
| Carteret, North Carolina | 4 | $ 540,000 | $ 135,000 | $ 210,000 |
| Catawba, North Carolina | 4 | $ 490,000 | $ 122,500 | $ 146,000 |
| Forsyth, North Carolina | 4 | $ 340,000 | $ 85,000 | $ 109,000 |
| Clackamas, Oregon | 4 | $ 340,000 | $ 85,000 | $ 129,000 |
| Clarke, Virginia | 4 | $ 200,000 | $ 50,000 | $ 144,000 |
| Montgomery, Virginia | 4 | $ 280,000 | $ 70,000 | $ 222,000 |
| Warren, Virginia | 4 | $ 140,000 | $ 35,000 | $ 132,000 |
| Jefferson, West Virginia | 4 | $ 530,000 | $ 132,500 | $ 115,000 |
| El Paso, Colorado | 3 | $ 1,095,000 | $ 365,000 | $ 93,000 |
| Hillsborough, Florida | 3 | $ 305,000 | $ 101,666 | $ 143,000 |
| Lee, Florida | 3 | $ 735,000 | $ 245,000 | $ 153,000 |
| Miami-Dade, Florida | 3 | $ 245,000 | $ 81,666 | $ 104,000 |
| Pasco, Florida | 3 | $ 265,000 | $ 88,333 | $ 65,000 |
| DeKalb, Georgia | 3 | $ 705,000 | $ 235,000 | $ 90,000 |
| Lake, Illinois | 3 | $ 695,000 | $ 231,666 | $ 158,000 |
| Allen, Indiana | 3 | $ 625,000 | $ 208,333 | $ 90,000 |
| Jefferson, Kentucky | 3 | $ 665,000 | $ 221,666 | $ 322,000 |
| Gaston, North Carolina | 3 | $ 245,000 | $ 81,666 | $ 196,000 |
| Guilford, North Carolina | 3 | $ 315,000 | $ 105,000 | $ 203,000 |
| Henderson, North Carolina | 3 | $ 325,000 | $ 108,333 | $ 175,000 |
| Rowan, North Carolina | 3 | $ 355,000 | $ 118,333 | $ 182,000 |
| Delaware, Ohio | 3 | $ 655,000 | $ 218,333 | $ 139,000 |
| Luzerne, Pennsylvania | 3 | $ 235,000 | $ 78,333 | $ 213,000 |
| Washington, Pennsylvania | 3 | $ 415,000 | $ 138,333 | $ 119,000 |
| Anderson, South Carolina | 3 | $ 225,000 | $ 75,000 | $ 141,000 |
| Williamson, Tennessee | 3 | $ 275,000 | $ 91,666 | $ 223,000 |
| Utah, Utah | 3 | $ 735,000 | $ 245,000 | $ 106,000 |
| Accomack, Virginia | 3 | $ 395,000 | $ 131,666 | $ 192,000 |
| Augusta, Virginia | 3 | $ 175,000 | $ 58,333 | $ 116,000 |
| Fluvanna, Virginia | 3 | $ 115,000 | $ 38,333 | $ 46,000 |
| Fredericksburg, Virginia | 3 | $ 195,000 | $ 65,000 | $ 126,000 |
| Hampton, Virginia | 3 | $ 205,000 | $ 68,333 | $ 274,000 |
| Manassas Park, Virginia | 3 | $ 175,000 | $ 58,333 | $ 151,000 |
| Rappahannock, Virginia | 3 | $ 125,000 | $ 41,666 | $ 141,000 |
| Roanoke, Virginia | 3 | $ 215,000 | $ 71,666 | $ 125,000 |
| Westmoreland, Virginia | 3 | $ 105,000 | $ 35,000 | $ 88,000 |
| York, Virginia | 3 | $ 215,000 | $ 71,666 | $ 123,000 |
| Spokane, Washington | 3 | $ 485,000 | $ 161,666 | $ 285,000 |
| Kanawha, West Virginia | 3 | $ 895,000 | $ 298,333 | $ 137,000 |
| Raleigh, West Virginia | 3 | $ 195,000 | $ 65,000 | $ 106,000 |
| Cochise, Arizona | 2 | $ 60,000 | $ 30,000 | $ 78,000 |
| Pinal, Arizona | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Kern, California | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Orange, California | 2 | $ 280,000 | $ 140,000 | $ 221,000 |
| Ventura, California | 2 | $ 370,000 | $ 185,000 | $ 110,000 |
| Douglas, Colorado | 2 | $ 570,000 | $ 285,000 | $ 137,000 |
| Larimer, Colorado | 2 | $ 40,000 | $ 20,000 | $ 254,000 |
| Brevard, Florida | 2 | $ 380,000 | $ 190,000 | $ 177,000 |
| Collier, Florida | 2 | $ 360,000 | $ 180,000 | $ 390,000 |
| Duval, Florida | 2 | $ 350,000 | $ 175,000 | $ 210,000 |
| Flagler, Florida | 2 | $ 430,000 | $ 215,000 | $ 53,000 |
| Gadsden, Florida | 2 | $ 630,000 | $ 315,000 | $ 173,000 |
| Lake, Florida | 2 | $ 250,000 | $ 125,000 | $ 99,000 |
| Marion, Florida | 2 | $ 550,000 | $ 275,000 | $ 128,000 |
| Richmond, Georgia | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Plymouth, Massachusetts | 2 | $ 290,000 | $ 145,000 | $ 124,000 |
| Wayne, Michigan | 2 | $ 260,000 | $ 130,000 | $ 328,000 |
| Clark, Nevada | 2 | $ 490,000 | $ 245,000 | $ 135,000 |
| Cumberland, New Jersey | 2 | $ 50,000 | $ 25,000 | $ 110,000 |
| Hudson, New Jersey | 2 | $ 270,000 | $ 135,000 | $ 136,000 |
| Santa Fe, New Mexico | 2 | $ 230,000 | $ 115,000 | $ 105,000 |
| Dutchess, New York | 2 | $ 150,000 | $ 75,000 | $ 217,000 |
| Orange, New York | 2 | $ 290,000 | $ 145,000 | $ 203,000 |
| Warren, New York | 2 | $ 450,000 | $ 225,000 | $ 104,000 |
| Brunswick, North Carolina | 2 | $ 910,000 | $ 455,000 | $ 164,000 |
| Burke, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 91,000 |
| Camden, North Carolina | 2 | $ 140,000 | $ 70,000 | $ 152,000 |
| Chatham, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 166,000 |
| Craven, North Carolina | 2 | $ 120,000 | $ 60,000 | $ 232,000 |
| Currituck, North Carolina | 2 | $ 240,000 | $ 120,000 | $ 293,000 |
| Lincoln, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 298,000 |
| Montgomery, North Carolina | 2 | $ 510,000 | $ 255,000 | $ 96,000 |
| Orange, North Carolina | 2 | $ 310,000 | $ 155,000 | $ 281,000 |
| Pender, North Carolina | 2 | $ 150,000 | $ 75,000 | $ 515,000 |
| Hamilton, Ohio | 2 | $ 230,000 | $ 115,000 | $ 157,000 |
| Cambria, Pennsylvania | 2 | $ 40,000 | $ 20,000 | $ 62,000 |
| Dauphin, Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 61,000 |
| Fulton, Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 147,000 |
| Huntingdon, Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Somerset, Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 191,000 |
| Darlington, South Carolina | 2 | $ 170,000 | $ 85,000 | $ 171,000 |
| Dorchester, South Carolina | 2 | $ 60,000 | $ 30,000 | $ 87,000 |
| Coffee, Tennessee | 2 | $ 300,000 | $ 150,000 | $ 119,000 |
| White, Tennessee | 2 | $ 230,000 | $ 115,000 | $ 58,000 |
| Wilson, Tennessee | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Bexar, Texas | 2 | $ 370,000 | $ 185,000 | $ 130,000 |
| Dinwiddie, Virginia | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Franklin, Virginia | 2 | $ 150,000 | $ 75,000 | $ 114,000 |
| Hopewell, Virginia | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Madison, Virginia | 2 | $ 150,000 | $ 75,000 | $ 121,000 |
| Middlesex, Virginia | 2 | $ 260,000 | $ 130,000 | $ 294,000 |
| New Kent, Virginia | 2 | $ 310,000 | $ 155,000 | $ 123,000 |
| Newport News, Virginia | 2 | $ 210,000 | $ 105,000 | $ 157,000 |
| Petersburg, Virginia | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| Rockingham, Virginia | 2 | $ 180,000 | $ 90,000 | $ 125,000 |
| Staunton, Virginia | 2 | $ 60,000 | $ 30,000 | $ 80,000 |
| Winchester, Virginia | 2 | $ 140,000 | $ 70,000 | $ 106,000 |
| Hampshire, West Virginia | 2 | $ 120,000 | $ 60,000 | $ 231,000 |
| Monongalia, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Jefferson, Alabama | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Tallapoosa, Alabama | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Kenai Peninsula, Alaska | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Pulaski, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Contra Costa, California | 1 | $ 205,000 | $ 205,000 | $ 250,000 |
| Fresno, California | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Humboldt, California | 1 | $ 75,000 | $ 75,000 | $ 257,000 |
| Lake, California | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Riverside, California | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| San Francisco, California | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| San Mateo, California | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Santa Clara, California | 1 | $ 745,000 | $ 745,000 | $ 185,000 |
| Solano, California | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Stanislaus, California | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Adams, Colorado | 1 | $ 445,000 | $ 445,000 | $ 155,000 |
| Boulder, Colorado | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Fremont, Colorado | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Jefferson, Colorado | 1 | $ 75,000 | $ 75,000 | $ 158,000 |
| Mesa, Colorado | 1 | $ 185,000 | $ 185,000 | $ 142,000 |
| Weld, Colorado | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Hernando, Florida | 1 | $ 395,000 | $ 395,000 | $ 292,000 |
| Highlands, Florida | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Indian River, Florida | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Okaloosa, Florida | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Osceola, Florida | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Polk, Florida | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Seminole, Florida | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| St. Johns, Florida | 1 | $ 205,000 | $ 205,000 | $ 183,000 |
| St. Lucie, Florida | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Dawson, Georgia | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Fayette, Georgia | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Forsyth, Georgia | 1 | $ 85,000 | $ 85,000 | $ 195,000 |
| Franklin, Georgia | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Henry, Georgia | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Houston, Georgia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Madison, Georgia | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Hawaii, Hawaii | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Honolulu, Hawaii | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Bonneville, Idaho | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Kootenai, Idaho | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Macon, Illinois | 1 | $ 15,000 | $ 15,000 | $ 133,000 |
| Monroe, Illinois | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| St. Clair, Illinois | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Will, Illinois | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Hancock, Indiana | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Lake, Indiana | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Marion, Indiana | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Montgomery, Indiana | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Porter, Indiana | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Steuben, Indiana | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Douglas, Kansas | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Stevens, Kansas | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Sumner, Kansas | 1 | $ 45,000 | $ 45,000 | $ 229,000 |
| Kenton, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Madison, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Orleans, Louisiana | 1 | $ 315,000 | $ 315,000 | $ 180,000 |
| West Feliciana, Louisiana | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Androscoggin, Maine | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Allegany, Maryland | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Somerset, Maryland | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Barnstable, Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Middlesex, Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 221,000 |
| Nantucket, Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Gogebic, Michigan | 1 | $ 15,000 | $ 15,000 | $ 165,000 |
| Kent, Michigan | 1 | $ 125,000 | $ 125,000 | $ 150,000 |
| Macomb, Michigan | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Muskegon, Michigan | 1 | $ 125,000 | $ 125,000 | $ 187,000 |
| Newaygo, Michigan | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Washtenaw, Michigan | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Cass, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Hinds, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 169,000 |
| Crawford, Missouri | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| St. Charles, Missouri | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| St. Louis, Missouri | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Yellowstone, Montana | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Sarpy, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Carson City, Nevada | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Coos, New Hampshire | 1 | $ 155,000 | $ 155,000 | $ 184,000 |
| Salem, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Sussex, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Warren, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Dona Ana, New Mexico | 1 | $ 195,000 | $ 195,000 | $ 203,000 |
| Sandoval, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| Taos, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Broome, New York | 1 | $ 45,000 | $ 45,000 | $ 162,000 |
| Erie, New York | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Jefferson, New York | 1 | $ 145,000 | $ 145,000 | $ 130,000 |
| New York, New York | 1 | $ 45,000 | $ 45,000 | $ 181,000 |
| Saratoga, New York | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Ulster, New York | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Westchester, New York | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Alamance, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 306,000 |
| Caldwell, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Cherokee, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Cleveland, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Columbus, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Halifax, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 362,000 |
| Lee, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Macon, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 287,000 |
| Moore, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Northampton, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 189,000 |
| Onslow, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Randolph, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Transylvania, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 224,000 |
| Wayne, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Wilson, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 189,000 |
| Cuyahoga, Ohio | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Fairfield, Ohio | 1 | $ 245,000 | $ 245,000 | $ 275,000 |
| Greene, Ohio | 1 | $ 55,000 | $ 55,000 | $ 173,000 |
| Licking, Ohio | 1 | $ 125,000 | $ 125,000 | $ 268,000 |
| Creek, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| McClain, Oklahoma | 1 | $ 335,000 | $ 335,000 | $ 214,000 |
| Lincoln, Oregon | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Marion, Oregon | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Tillamook, Oregon | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Beaver, Pennsylvania | 1 | $ 565,000 | $ 565,000 | $ 280,000 |
| Bedford, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Clinton, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Columbia, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 6,000 |
| Erie, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Fayette, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Lebanon, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Mercer, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Monroe, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Aiken, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Chester, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Colleton, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Georgetown, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 164,000 |
| Kershaw, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Newberry, South Carolina | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Pickens, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Lincoln, South Dakota | 1 | $ 495,000 | $ 495,000 | $ 293,000 |
| Blount, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Fentress, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Greene, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Madison, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Rutherford, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
| Washington, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 325,000 |
| Denton, Texas | 1 | $ 375,000 | $ 375,000 | $ 209,000 |
| El Paso, Texas | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Fort Bend, Texas | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Harris, Texas | 1 | $ 85,000 | $ 85,000 | $ 387,000 |
| Hood, Texas | 1 | $ 225,000 | $ 225,000 | $ 171,000 |
| Tarrant, Texas | 1 | $ 375,000 | $ 375,000 | $ 275,000 |
| Cache, Utah | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Salt Lake, Utah | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| Rutland, Vermont | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Botetourt, Virginia | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Caroline, Virginia | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Carroll, Virginia | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Colonial Heights, Virginia | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Giles, Virginia | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Harrisonburg, Virginia | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Isle of Wight, Virginia | 1 | $ 85,000 | $ 85,000 | $ 140,000 |
| King and Queen, Virginia | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| King William, Virginia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Lynchburg, Virginia | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Nelson, Virginia | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Northampton, Virginia | 1 | $ 85,000 | $ 85,000 | $ 216,000 |
| Northumberland, Virginia | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Page, Virginia | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Portsmouth, Virginia | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Prince George, Virginia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Pulaski, Virginia | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Rockbridge, Virginia | 1 | $ 75,000 | $ 75,000 | $ 228,000 |
| Shenandoah, Virginia | 1 | $ 155,000 | $ 155,000 | $ 246,000 |
| Washington, Virginia | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Waynesboro, Virginia | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Wythe, Virginia | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| King, Washington | 1 | $ 255,000 | $ 255,000 | $ 750,000 |
| Morgan, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Ashland, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 157,000 |
| Waukesha, 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.
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