Tower Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Tower Federal Credit Union of Laurel, MD reported 7,485 mortgage applications totaling $1.0 billion, down 1% from 2018. The average application was for $136,519, and applicants reported an average income of $168,415. 61% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (2,612), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,784) and Washington-Baltimore-Arlington, DC (509) (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 | 7,485 |
| Total Mortgage Loan Application Amount | $1,021,845,000 |
| Average Mortgage Loan Application Amount | $136,519 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $168,415 |
| Highest Applicant Income | $7,020,000 |
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records Tower Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,191 | $ 185,015,000 | $ 155,344 | $ 150,000 |
| Howard, Maryland | 531 | $ 102,065,000 | $ 192,212 | $ 178,000 |
| Baltimore, Maryland | 386 | $ 50,280,000 | $ 130,259 | $ 150,000 |
| Montgomery, Maryland | 375 | $ 58,665,000 | $ 156,440 | $ 187,000 |
| Fairfax, Virginia | 363 | $ 56,215,000 | $ 154,862 | $ 222,000 |
| Prince George's, Maryland | 284 | $ 38,450,000 | $ 135,387 | $ 138,000 |
| Loudoun, Virginia | 268 | $ 34,490,000 | $ 128,694 | $ 193,000 |
| District of Columbia, District Of Columbia | 252 | $ 41,140,000 | $ 163,253 | $ 215,000 |
| Carroll, Maryland | 216 | $ 35,360,000 | $ 163,703 | $ 146,000 |
| Prince William, Virginia | 164 | $ 18,300,000 | $ 111,585 | $ 207,000 |
| Baltimore City, Maryland | 136 | $ 16,160,000 | $ 118,823 | $ 132,000 |
| Frederick, Maryland | 134 | $ 17,100,000 | $ 127,611 | $ 156,000 |
| Mecklenburg, North Carolina | 122 | $ 14,400,000 | $ 118,032 | $ 191,000 |
| Montgomery, Pennsylvania | 108 | $ 10,860,000 | $ 100,555 | $ 184,000 |
| Philadelphia, Pennsylvania | 102 | $ 10,780,000 | $ 105,686 | $ 171,000 |
| Harford, Maryland | 84 | $ 11,660,000 | $ 138,809 | $ 158,000 |
| Chester, Pennsylvania | 80 | $ 8,460,000 | $ 105,750 | $ 197,000 |
| Calvert, Maryland | 79 | $ 9,445,000 | $ 119,556 | $ 163,000 |
| Arlington, Virginia | 75 | $ 11,725,000 | $ 156,333 | $ 231,000 |
| Sussex, Delaware | 70 | $ 10,190,000 | $ 145,571 | $ 190,000 |
| Queen Anne's, Maryland | 68 | $ 10,790,000 | $ 158,676 | $ 148,000 |
| Charles, Maryland | 67 | $ 5,885,000 | $ 87,835 | $ 137,000 |
| Wake, North Carolina | 67 | $ 8,385,000 | $ 125,149 | $ 171,000 |
| New Castle, Delaware | 63 | $ 5,715,000 | $ 90,714 | $ 153,000 |
| Alexandria, Virginia | 60 | $ 9,130,000 | $ 152,166 | $ 215,000 |
| Delaware, Pennsylvania | 50 | $ 6,680,000 | $ 133,600 | $ 207,000 |
| Chesterfield, Virginia | 49 | $ 4,865,000 | $ 99,285 | $ 173,000 |
| Henrico, Virginia | 49 | $ 5,195,000 | $ 106,020 | $ 197,000 |
| Virginia Beach, Virginia | 48 | $ 4,690,000 | $ 97,708 | $ 197,000 |
| St. Mary's, Maryland | 44 | $ 4,120,000 | $ 93,636 | $ 163,000 |
| Ocean, New Jersey | 42 | $ 3,680,000 | $ 87,619 | $ 120,000 |
| Charleston, South Carolina | 42 | $ 5,060,000 | $ 120,476 | $ 156,000 |
| Fauquier, Virginia | 42 | $ 3,180,000 | $ 75,714 | $ 146,000 |
| Union, North Carolina | 38 | $ 4,150,000 | $ 109,210 | $ 180,000 |
| York, Pennsylvania | 38 | $ 3,720,000 | $ 97,894 | $ 119,000 |
| Albemarle, Virginia | 38 | $ 3,260,000 | $ 85,789 | $ 171,000 |
| Worcester, Maryland | 34 | $ 5,480,000 | $ 161,176 | $ 185,000 |
| Bucks, Pennsylvania | 33 | $ 4,355,000 | $ 131,969 | $ 219,000 |
| York, South Carolina | 30 | $ 2,830,000 | $ 94,333 | $ 196,000 |
| Stafford, Virginia | 30 | $ 2,040,000 | $ 68,000 | $ 152,000 |
| Richmond City, Virginia | 29 | $ 2,775,000 | $ 95,689 | $ 156,000 |
| Spotsylvania, Virginia | 28 | $ 3,070,000 | $ 109,642 | $ 148,000 |
| Iredell, North Carolina | 27 | $ 2,445,000 | $ 90,555 | $ 141,000 |
| Monmouth, New Jersey | 23 | $ 2,565,000 | $ 111,521 | $ 193,000 |
| Cabarrus, North Carolina | 23 | $ 1,705,000 | $ 74,130 | $ 142,000 |
| Washington, Maryland | 21 | $ 1,885,000 | $ 89,761 | $ 138,000 |
| Burlington, New Jersey | 21 | $ 1,905,000 | $ 90,714 | $ 182,000 |
| Culpeper, Virginia | 21 | $ 1,675,000 | $ 79,761 | $ 112,000 |
| Frederick, Virginia | 21 | $ 1,955,000 | $ 93,095 | $ 121,000 |
| Hanover, Virginia | 20 | $ 1,700,000 | $ 85,000 | $ 135,000 |
| Bergen, New Jersey | 19 | $ 1,955,000 | $ 102,894 | $ 219,000 |
| Centre, Pennsylvania | 19 | $ 1,155,000 | $ 60,789 | $ 89,000 |
| Cape May, New Jersey | 18 | $ 2,190,000 | $ 121,666 | $ 204,000 |
| Northampton, Pennsylvania | 18 | $ 1,260,000 | $ 70,000 | $ 182,000 |
| Palm Beach, Florida | 17 | $ 2,025,000 | $ 119,117 | $ 158,000 |
| Cook, Illinois | 17 | $ 2,505,000 | $ 147,352 | $ 193,000 |
| Cecil, Maryland | 17 | $ 1,635,000 | $ 96,176 | $ 167,000 |
| Essex, New Jersey | 17 | $ 2,605,000 | $ 153,235 | $ 210,000 |
| Buncombe, North Carolina | 17 | $ 1,955,000 | $ 115,000 | $ 143,000 |
| Camden, New Jersey | 16 | $ 1,640,000 | $ 102,500 | $ 186,000 |
| Morris, New Jersey | 16 | $ 1,790,000 | $ 111,875 | $ 223,000 |
| Horry, South Carolina | 16 | $ 1,710,000 | $ 106,875 | $ 135,000 |
| Chesapeake, Virginia | 16 | $ 1,570,000 | $ 98,125 | $ 164,000 |
| New Hanover, North Carolina | 15 | $ 1,955,000 | $ 130,333 | $ 182,000 |
| Allegheny, Pennsylvania | 15 | $ 1,595,000 | $ 106,333 | $ 138,000 |
| Caroline, Maryland | 14 | $ 1,930,000 | $ 137,857 | $ 105,000 |
| Middlesex, New Jersey | 14 | $ 1,720,000 | $ 122,857 | $ 159,000 |
| Union, New Jersey | 14 | $ 1,540,000 | $ 110,000 | $ 233,000 |
| Hudson, New Jersey | 13 | $ 1,665,000 | $ 128,076 | $ 205,000 |
| Adams, Pennsylvania | 13 | $ 1,625,000 | $ 125,000 | $ 105,000 |
| Lehigh, Pennsylvania | 13 | $ 935,000 | $ 71,923 | $ 179,000 |
| Berkeley, South Carolina | 13 | $ 1,795,000 | $ 138,076 | $ 143,000 |
| Broward, Florida | 12 | $ 1,870,000 | $ 155,833 | $ 168,000 |
| Douglas, Colorado | 11 | $ 3,455,000 | $ 314,090 | $ 150,000 |
| Orange, Florida | 11 | $ 1,465,000 | $ 133,181 | $ 140,000 |
| Talbot, Maryland | 11 | $ 1,005,000 | $ 91,363 | $ 207,000 |
| Gaston, North Carolina | 11 | $ 635,000 | $ 57,727 | $ 135,000 |
| Greenville, South Carolina | 11 | $ 1,505,000 | $ 136,818 | $ 136,000 |
| Charlottesville, Virginia | 11 | $ 1,145,000 | $ 104,090 | $ 174,000 |
| Los Angeles, California | 10 | $ 2,210,000 | $ 221,000 | $ 183,000 |
| Kent, Maryland | 10 | $ 1,230,000 | $ 123,000 | $ 118,000 |
| Berks, Pennsylvania | 10 | $ 470,000 | $ 47,000 | $ 94,000 |
| Norfolk, Virginia | 10 | $ 1,050,000 | $ 105,000 | $ 142,000 |
| Dorchester, Maryland | 9 | $ 1,175,000 | $ 130,555 | $ 123,000 |
| Atlantic, New Jersey | 9 | $ 775,000 | $ 86,111 | $ 191,000 |
| Dare, North Carolina | 9 | $ 835,000 | $ 92,777 | $ 176,000 |
| Durham, North Carolina | 9 | $ 1,085,000 | $ 120,555 | $ 123,000 |
| Guilford, North Carolina | 9 | $ 815,000 | $ 90,555 | $ 118,000 |
| Franklin, Pennsylvania | 9 | $ 755,000 | $ 83,888 | $ 120,000 |
| Beaufort, South Carolina | 9 | $ 1,125,000 | $ 125,000 | $ 141,000 |
| Lancaster, South Carolina | 9 | $ 925,000 | $ 102,777 | $ 138,000 |
| Falls Church, Virginia | 9 | $ 1,325,000 | $ 147,222 | $ 173,000 |
| Berkeley, West Virginia | 9 | $ 1,125,000 | $ 125,000 | $ 110,000 |
| Jefferson, West Virginia | 9 | $ 1,285,000 | $ 142,777 | $ 266,000 |
| Sarasota, Florida | 8 | $ 1,060,000 | $ 132,500 | $ 143,000 |
| Gloucester, New Jersey | 8 | $ 530,000 | $ 66,250 | $ 167,000 |
| Somerset, New Jersey | 8 | $ 1,840,000 | $ 230,000 | $ 286,000 |
| Brunswick, North Carolina | 8 | $ 1,190,000 | $ 148,750 | $ 154,000 |
| Henderson, North Carolina | 8 | $ 570,000 | $ 71,250 | $ 116,000 |
| Moore, North Carolina | 8 | $ 670,000 | $ 83,750 | $ 148,000 |
| Augusta, Virginia | 8 | $ 920,000 | $ 115,000 | $ 141,000 |
| Manassas, Virginia | 8 | $ 370,000 | $ 46,250 | $ 115,000 |
| Rockingham, Virginia | 8 | $ 870,000 | $ 108,750 | $ 228,000 |
| Brevard, Florida | 7 | $ 1,155,000 | $ 165,000 | $ 109,000 |
| Gwinnett, Georgia | 7 | $ 625,000 | $ 89,285 | $ 147,000 |
| Garrett, Maryland | 7 | $ 1,165,000 | $ 166,428 | $ 159,000 |
| Hunterdon, New Jersey | 7 | $ 725,000 | $ 103,571 | $ 135,000 |
| Johnston, North Carolina | 7 | $ 485,000 | $ 69,285 | $ 159,000 |
| Dauphin, Pennsylvania | 7 | $ 755,000 | $ 107,857 | $ 147,000 |
| King William, Virginia | 7 | $ 335,000 | $ 47,857 | $ 79,000 |
| Louisa, Virginia | 7 | $ 1,345,000 | $ 192,142 | $ 133,000 |
| Maricopa, Arizona | 6 | $ 840,000 | $ 140,000 | $ 107,000 |
| Kent, Delaware | 6 | $ 320,000 | $ 53,333 | $ 105,000 |
| Pinellas, Florida | 6 | $ 480,000 | $ 80,000 | $ 131,000 |
| Passaic, New Jersey | 6 | $ 520,000 | $ 86,666 | $ 171,000 |
| Cumberland, Pennsylvania | 6 | $ 880,000 | $ 146,666 | $ 151,000 |
| Lancaster, Pennsylvania | 6 | $ 520,000 | $ 86,666 | $ 178,000 |
| Dorchester, South Carolina | 6 | $ 440,000 | $ 73,333 | $ 92,000 |
| Richland, South Carolina | 6 | $ 360,000 | $ 60,000 | $ 132,000 |
| James City, Virginia | 6 | $ 770,000 | $ 128,333 | $ 166,000 |
| San Diego, California | 5 | $ 835,000 | $ 167,000 | $ 147,000 |
| Arapahoe, Colorado | 5 | $ 535,000 | $ 107,000 | $ 246,000 |
| Duval, Florida | 5 | $ 835,000 | $ 167,000 | $ 142,000 |
| Hillsborough, Florida | 5 | $ 785,000 | $ 157,000 | $ 132,000 |
| Pasco, Florida | 5 | $ 605,000 | $ 121,000 | $ 156,000 |
| St. Johns, Florida | 5 | $ 915,000 | $ 183,000 | $ 142,000 |
| Middlesex, Massachusetts | 5 | $ 645,000 | $ 129,000 | $ 167,000 |
| Currituck, North Carolina | 5 | $ 665,000 | $ 133,000 | $ 219,000 |
| Lincoln, North Carolina | 5 | $ 545,000 | $ 109,000 | $ 148,000 |
| Onslow, North Carolina | 5 | $ 315,000 | $ 63,000 | $ 277,000 |
| Marion, Oregon | 5 | $ 535,000 | $ 107,000 | $ 110,000 |
| Lexington, South Carolina | 5 | $ 765,000 | $ 153,000 | $ 108,000 |
| Clarke, Virginia | 5 | $ 585,000 | $ 117,000 | $ 127,000 |
| Fairfax City, Virginia | 5 | $ 905,000 | $ 181,000 | $ 291,000 |
| Franklin, Virginia | 5 | $ 595,000 | $ 119,000 | $ 233,000 |
| Goochland, Virginia | 5 | $ 745,000 | $ 149,000 | $ 274,000 |
| King George, Virginia | 5 | $ 335,000 | $ 67,000 | $ 147,000 |
| New Kent, Virginia | 5 | $ 395,000 | $ 79,000 | $ 137,000 |
| Warren, Virginia | 5 | $ 505,000 | $ 101,000 | $ 155,000 |
| Waynesboro, Virginia | 5 | $ 235,000 | $ 47,000 | $ 62,000 |
| Westmoreland, Virginia | 5 | $ 195,000 | $ 39,000 | $ 77,000 |
| Riverside, California | 4 | $ 820,000 | $ 205,000 | $ 148,000 |
| New Haven, Connecticut | 4 | $ 200,000 | $ 50,000 | $ 173,000 |
| Charlotte, Florida | 4 | $ 270,000 | $ 67,500 | $ 154,000 |
| Lee, Florida | 4 | $ 860,000 | $ 215,000 | $ 157,000 |
| Manatee, Florida | 4 | $ 630,000 | $ 157,500 | $ 155,000 |
| Cobb, Georgia | 4 | $ 350,000 | $ 87,500 | $ 232,000 |
| Fulton, Georgia | 4 | $ 330,000 | $ 82,500 | $ 183,000 |
| Honolulu, Hawaii | 4 | $ 440,000 | $ 110,000 | $ 245,000 |
| Mercer, New Jersey | 4 | $ 340,000 | $ 85,000 | $ 186,000 |
| Suffolk, New York | 4 | $ 390,000 | $ 97,500 | $ 154,000 |
| Chatham, North Carolina | 4 | $ 690,000 | $ 172,500 | $ 218,000 |
| Franklin, Ohio | 4 | $ 220,000 | $ 55,000 | $ 155,000 |
| Bexar, Texas | 4 | $ 1,160,000 | $ 290,000 | $ 143,000 |
| Bedford, Virginia | 4 | $ 100,000 | $ 25,000 | $ 108,000 |
| Botetourt, Virginia | 4 | $ 380,000 | $ 95,000 | $ 192,000 |
| Harrisonburg, Virginia | 4 | $ 280,000 | $ 70,000 | $ 96,000 |
| Powhatan, Virginia | 4 | $ 370,000 | $ 92,500 | $ 115,000 |
| King, Washington | 4 | $ 1,170,000 | $ 292,500 | $ 215,000 |
| Contra Costa, California | 3 | $ 1,145,000 | $ 381,666 | $ 248,000 |
| Adams, Colorado | 3 | $ 1,215,000 | $ 405,000 | $ 123,000 |
| Bay, Florida | 3 | $ 635,000 | $ 211,666 | $ 127,000 |
| Flagler, Florida | 3 | $ 105,000 | $ 35,000 | $ 63,000 |
| Volusia, Florida | 3 | $ 245,000 | $ 81,666 | $ 60,000 |
| Columbia, Georgia | 3 | $ 425,000 | $ 141,666 | $ 161,000 |
| Wicomico, Maryland | 3 | $ 285,000 | $ 95,000 | $ 146,000 |
| Worcester, Massachusetts | 3 | $ 255,000 | $ 85,000 | $ 118,000 |
| Wayne, Michigan | 3 | $ 505,000 | $ 168,333 | $ 445,000 |
| Itasca, Minnesota | 3 | $ 365,000 | $ 121,666 | $ 138,000 |
| Clark, Nevada | 3 | $ 225,000 | $ 75,000 | $ 55,000 |
| New York, New York | 3 | $ 795,000 | $ 265,000 | $ 156,000 |
| Catawba, North Carolina | 3 | $ 155,000 | $ 51,666 | $ 137,000 |
| Craven, North Carolina | 3 | $ 165,000 | $ 55,000 | $ 83,000 |
| Forsyth, North Carolina | 3 | $ 135,000 | $ 45,000 | $ 116,000 |
| Orange, North Carolina | 3 | $ 445,000 | $ 148,333 | $ 141,000 |
| Rutherford, North Carolina | 3 | $ 1,125,000 | $ 375,000 | $ 178,000 |
| Tulsa, Oklahoma | 3 | $ 185,000 | $ 61,666 | $ 139,000 |
| Butler, Pennsylvania | 3 | $ 205,000 | $ 68,333 | $ 138,000 |
| Luzerne, Pennsylvania | 3 | $ 185,000 | $ 61,666 | $ 114,000 |
| Monroe, Pennsylvania | 3 | $ 345,000 | $ 115,000 | $ 157,000 |
| Westmoreland, Pennsylvania | 3 | $ 245,000 | $ 81,666 | $ 285,000 |
| Georgetown, South Carolina | 3 | $ 405,000 | $ 135,000 | $ 212,000 |
| Spartanburg, South Carolina | 3 | $ 165,000 | $ 55,000 | $ 117,000 |
| Sumner, Tennessee | 3 | $ 455,000 | $ 151,666 | $ 228,000 |
| Utah, Utah | 3 | $ 285,000 | $ 95,000 | $ 135,000 |
| Fluvanna, Virginia | 3 | $ 155,000 | $ 51,666 | $ 63,000 |
| Greene, Virginia | 3 | $ 255,000 | $ 85,000 | $ 140,000 |
| Lancaster, Virginia | 3 | $ 255,000 | $ 85,000 | $ 201,000 |
| Madison, Virginia | 3 | $ 325,000 | $ 108,333 | $ 73,000 |
| Northampton, Virginia | 3 | $ 825,000 | $ 275,000 | $ 272,000 |
| Rappahannock, Virginia | 3 | $ 355,000 | $ 118,333 | $ 64,000 |
| Suffolk, Virginia | 3 | $ 335,000 | $ 111,666 | $ 171,000 |
| Winchester, Virginia | 3 | $ 405,000 | $ 135,000 | $ 206,000 |
| Hardy, West Virginia | 3 | $ 105,000 | $ 35,000 | $ 72,000 |
| Waukesha, Wisconsin | 3 | $ 345,000 | $ 115,000 | $ 244,000 |
| Kern, California | 2 | $ 160,000 | $ 80,000 | $ 133,000 |
| Orange, California | 2 | $ 860,000 | $ 430,000 | $ 171,000 |
| Placer, California | 2 | $ 430,000 | $ 215,000 | $ 143,000 |
| Sacramento, California | 2 | $ 240,000 | $ 120,000 | $ 199,000 |
| Santa Clara, California | 2 | $ 960,000 | $ 480,000 | $ 210,000 |
| El Paso, Colorado | 2 | $ 80,000 | $ 40,000 | $ 240,000 |
| Jefferson, Colorado | 2 | $ 260,000 | $ 130,000 | $ 175,000 |
| Collier, Florida | 2 | $ 1,050,000 | $ 525,000 | $ 228,000 |
| Hernando, Florida | 2 | $ 190,000 | $ 95,000 | $ 107,000 |
| Marion, Florida | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Miami-Dade, Florida | 2 | $ 200,000 | $ 100,000 | $ 260,000 |
| Chatham, Georgia | 2 | $ 370,000 | $ 185,000 | $ 60,000 |
| DeKalb, Georgia | 2 | $ 560,000 | $ 280,000 | $ 218,000 |
| Fayette, Georgia | 2 | $ 210,000 | $ 105,000 | $ 135,000 |
| Forsyth, Georgia | 2 | $ 210,000 | $ 105,000 | $ 151,000 |
| DuPage, Illinois | 2 | $ 230,000 | $ 115,000 | $ 170,000 |
| Kane, Illinois | 2 | $ 80,000 | $ 40,000 | $ 119,000 |
| Lake, Illinois | 2 | $ 140,000 | $ 70,000 | $ 154,000 |
| Jefferson, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 84,000 |
| Allegany, Maryland | 2 | $ 120,000 | $ 60,000 | $ 25,000 |
| Essex, Massachusetts | 2 | $ 150,000 | $ 75,000 | $ 189,000 |
| Suffolk, Massachusetts | 2 | $ 270,000 | $ 135,000 | $ 111,000 |
| Kent, Michigan | 2 | $ 260,000 | $ 130,000 | $ 243,000 |
| Cumberland, New Jersey | 2 | $ 60,000 | $ 30,000 | $ 77,000 |
| Warren, New Jersey | 2 | $ 180,000 | $ 90,000 | $ 229,000 |
| Nassau, New York | 2 | $ 610,000 | $ 305,000 | $ 323,000 |
| Alamance, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| Cumberland, North Carolina | 2 | $ 360,000 | $ 180,000 | $ 230,000 |
| Harnett, North Carolina | 2 | $ 80,000 | $ 40,000 | $ 222,000 |
| McDowell, North Carolina | 2 | $ 50,000 | $ 25,000 | $ 111,000 |
| Pender, North Carolina | 2 | $ 80,000 | $ 40,000 | $ 39,000 |
| Polk, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 86,000 |
| Cuyahoga, Ohio | 2 | $ 20,000 | $ 10,000 | $ 47,000 |
| Multnomah, Oregon | 2 | $ 230,000 | $ 115,000 | $ 157,000 |
| Polk, Oregon | 2 | $ 120,000 | $ 60,000 | $ 211,000 |
| Blair, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 106,000 |
| Clearfield, Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 86,000 |
| Erie, Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 153,000 |
| Lackawanna, Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 94,000 |
| Lebanon, Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 147,000 |
| Pike, Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 111,000 |
| Anderson, South Carolina | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Davidson, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
| Knox, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 132,000 |
| Wilson, Tennessee | 2 | $ 50,000 | $ 25,000 | $ 77,000 |
| Iron, Utah | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Caroline, Virginia | 2 | $ 110,000 | $ 55,000 | $ 88,000 |
| Colonial Heights, Virginia | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Fredericksburg, Virginia | 2 | $ 140,000 | $ 70,000 | $ 97,000 |
| Gloucester, Virginia | 2 | $ 300,000 | $ 150,000 | $ 202,000 |
| Manassas Park, Virginia | 2 | $ 250,000 | $ 125,000 | $ 124,000 |
| Montgomery, Virginia | 2 | $ 320,000 | $ 160,000 | $ 178,000 |
| Prince George, Virginia | 2 | $ 130,000 | $ 65,000 | $ 96,000 |
| Hampshire, West Virginia | 2 | $ 120,000 | $ 60,000 | $ 110,000 |
| Baldwin, Alabama | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Dale, Alabama | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Matanuska-Susitna, Alaska | 1 | $ 265,000 | $ 265,000 | $ 74,000 |
| Cochise, Arizona | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Pinal, Arizona | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Benton, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Carroll, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Pulaski, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| Mariposa, California | 1 | $ 105,000 | $ 105,000 | $ 392,000 |
| Mono, California | 1 | $ 325,000 | $ 325,000 | $ 233,000 |
| Monterey, California | 1 | $ 255,000 | $ 255,000 | $ 243,000 |
| San Bernardino, California | 1 | $ 105,000 | $ 105,000 | $ 172,000 |
| San Francisco, California | 1 | $ 735,000 | $ 735,000 | $ 152,000 |
| Yuba, California | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Boulder, Colorado | 1 | $ 535,000 | $ 535,000 | $ 201,000 |
| Broomfield, Colorado | 1 | $ 305,000 | $ 305,000 | $ 210,000 |
| Larimer, Colorado | 1 | $ 405,000 | $ 405,000 | $ 162,000 |
| Middlesex, Connecticut | 1 | $ 115,000 | $ 115,000 | $ 219,000 |
| Citrus, Florida | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Lake, Florida | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Levy, Florida | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Osceola, Florida | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Polk, Florida | 1 | $ 275,000 | $ 275,000 | $ 273,000 |
| Seminole, Florida | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Sumter, Florida | 1 | $ 65,000 | $ 65,000 | $ 152,000 |
| Cherokee, Georgia | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Dawson, Georgia | 1 | $ 345,000 | $ 345,000 | $ 228,000 |
| Floyd, Georgia | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Glynn, Georgia | 1 | $ 265,000 | $ 265,000 | $ 318,000 |
| Greene, Georgia | 1 | $ 255,000 | $ 255,000 | $ 800,000 |
| Hall, Georgia | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Lowndes, Georgia | 1 | $ 65,000 | $ 65,000 | $ 210,000 |
| McHenry, Illinois | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Monroe, Illinois | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Will, Illinois | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Hamilton, Indiana | 1 | $ 185,000 | $ 185,000 | $ 175,000 |
| Marion, Indiana | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Porter, Indiana | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Johnson, Kansas | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Iberia, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Rapides, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| St. Charles, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 177,000 |
| Sagadahoc, Maine | 1 | $ 145,000 | $ 145,000 | $ 220,000 |
| Waldo, Maine | 1 | $ 155,000 | $ 155,000 | $ 198,000 |
| Nantucket, Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
| Presque Isle, Michigan | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Shiawassee, Michigan | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Dakota, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 360,000 |
| Ramsey, Minnesota | 1 | $ 705,000 | $ 705,000 | $ 45,000 |
| St. Louis, Minnesota | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| DeSoto, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Lowndes, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Oktibbeha, Mississippi | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Jefferson, Montana | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Missoula, Montana | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Nye, Nevada | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Belknap, New Hampshire | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Rockingham, New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Sussex, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Bernalillo, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Dona Ana, New Mexico | 1 | $ 45,000 | $ 45,000 | $ 196,000 |
| Sandoval, New Mexico | 1 | $ 415,000 | $ 415,000 | $ 176,000 |
| Dutchess, New York | 1 | $ 345,000 | $ 345,000 | $ 195,000 |
| Erie, New York | 1 | $ 85,000 | $ 85,000 | $ 480,000 |
| Kings, New York | 1 | $ 95,000 | $ 95,000 | $ 375,000 |
| Niagara, New York | 1 | $ 205,000 | $ 205,000 | $ 257,000 |
| Orange, New York | 1 | $ 75,000 | $ 75,000 | $ 235,000 |
| Rockland, New York | 1 | $ 145,000 | $ 145,000 | $ 465,000 |
| Saratoga, New York | 1 | $ 155,000 | $ 155,000 | $ 208,000 |
| Sullivan, New York | 1 | $ 445,000 | $ 445,000 | $ 131,000 |
| Westchester, New York | 1 | $ 85,000 | $ 85,000 | $ 165,000 |
| Alexander, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 320,000 |
| Anson, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Burke, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Cherokee, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Cleveland, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Columbus, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 154,000 |
| Franklin, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Haywood, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Jackson, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Jones, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 357,000 |
| Lee, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 119,000 |
| Macon, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 250,000 |
| Montgomery, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Pasquotank, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Rowan, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Stanly, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 182,000 |
| Surry, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Watauga, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 188,000 |
| Wayne, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Wilson, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Yadkin, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Ashland, Ohio | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Delaware, Ohio | 1 | $ 225,000 | $ 225,000 | $ 176,000 |
| Ross, Ohio | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Stark, Ohio | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Delaware, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 142,000 |
| Clackamas, Oregon | 1 | $ 35,000 | $ 35,000 | $ 131,000 |
| Lane, Oregon | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Linn, Oregon | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Washington, Oregon | 1 | $ 25,000 | $ 25,000 | $ 306,000 |
| Bedford, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 134,000 |
| Bradford, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Cambria, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Columbia, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Crawford, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Huntingdon, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Lawrence, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Mifflin, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Potter, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Schuylkill, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Tioga, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Washington, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Wayne, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 257,000 |
| Kent, Rhode Island | 1 | $ 215,000 | $ 215,000 | $ 155,000 |
| Washington, Rhode Island | 1 | $ 35,000 | $ 35,000 | $ 237,000 |
| Aiken, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Colleton, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 252,000 |
| Kershaw, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Newberry, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Coffee, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Grainger, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Hamilton, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 310,000 |
| Maury, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 123,000 |
| Warren, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Collin, Texas | 1 | $ 485,000 | $ 485,000 | $ 264,000 |
| Fort Bend, Texas | 1 | $ 195,000 | $ 195,000 | $ 154,000 |
| Hood, Texas | 1 | $ 225,000 | $ 225,000 | $ 173,000 |
| Montgomery, Texas | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Amelia, Virginia | 1 | $ 85,000 | $ 85,000 | $ 480,000 |
| Appomattox, Virginia | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Brunswick, Virginia | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Floyd, Virginia | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Giles, Virginia | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Isle of Wight, Virginia | 1 | $ 85,000 | $ 85,000 | $ 230,000 |
| Mathews, Virginia | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Middlesex, Virginia | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Newport News, Virginia | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Orange, Virginia | 1 | $ 55,000 | $ 55,000 | $ 159,000 |
| Petersburg, Virginia | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Portsmouth, Virginia | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Prince Edward, Virginia | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Surry, Virginia | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| York, Virginia | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Clallam, Washington | 1 | $ 105,000 | $ 105,000 | $ 242,000 |
| Island, Washington | 1 | $ 495,000 | $ 495,000 | $ 95,000 |
| Kitsap, Washington | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Pierce, Washington | 1 | $ 285,000 | $ 285,000 | $ 144,000 |
| Skagit, Washington | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Spokane, Washington | 1 | $ 725,000 | $ 725,000 | $ 207,000 |
| Grant, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 441,000 |
| Harrison, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 430,000 |
| Pendleton, West Virginia | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Preston, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 220,000 |
| Raleigh, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Tucker, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Webster, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Portage, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Sheridan, Wyoming | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Teton, Wyoming | 1 | $ 35,000 | $ 35,000 | $ 1,876,000 |
Mortgage Loan Application Detail Totals for Tower Federal Credit Union in 2019
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 Improvement | 2,193 | $180,275,000 | $82,000 | $365,000 | $160,000 | $1,100,000 |
| Home Purchase | 2,151 | $387,735,000 | $180,000 | $835,000 | $190,000 | $1,876,000 |
| Cash-out Refinancing | 1,453 | $216,535,000 | $149,000 | $825,000 | $155,000 | $1,003,000 |
| Other Purpose | 1,218 | $101,290,000 | $83,000 | $485,000 | $162,000 | $7,020,000 |
| Refinancing | 470 | $136,010,000 | $289,000 | $855,000 | $167,000 | $769,000 |
| 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 | 4,542 | $623,920,000 | $137,000 | $845,000 | $168,000 | $1,876,000 |
| Not Provided | 1,798 | $244,120,000 | $135,000 | $835,000 | $181,000 | $7,020,000 |
| Black or African American | 612 | $80,530,000 | $131,000 | $725,000 | $142,000 | $619,000 |
| Asian | 220 | $34,100,000 | $155,000 | $855,000 | $173,000 | $1,009,000 |
| Hispanic | 218 | $25,500,000 | $116,000 | $665,000 | $147,000 | $645,000 |
| American Indian or Alaskan Native | 33 | $4,935,000 | $149,000 | $645,000 | $158,000 | $333,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $135,000 | $45,000 | $65,000 | $100,000 | $112,000 |
| 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) | 7,466 | $1,015,170,000 | $135,000 | $855,000 | $169,000 | $7,020,000 |
| VA-guaranteed (Veterans Administration) | 19 | $6,675,000 | $351,000 | $515,000 | $153,000 | $342,000 |
| 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 | 4,571 | $604,595,000 | $132,000 | $845,000 | $176,000 | $1,698,000 |
| Application Denied By Financial Institution | 1,830 | $210,080,000 | $114,000 | $825,000 | $148,000 | $7,020,000 |
| Application Withdrawn By Applicant | 661 | $122,925,000 | $185,000 | $815,000 | $170,000 | $800,000 |
| File Closed For Incompleteness | 383 | $79,435,000 | $207,000 | $855,000 | $176,000 | $800,000 |
| Application Approved But Not Accepted | 40 | $4,810,000 | $120,000 | $495,000 | $149,000 | $441,000 |
| 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 | 5,655 | $811,765,000 | $143,000 | $855,000 | $175,000 | $1,698,000 |
| Debt-To-Income Ratio | 783 | $98,075,000 | $125,000 | $825,000 | $104,000 | $523,000 |
| Credit History | 479 | $45,905,000 | $95,000 | $575,000 | $174,000 | $7,020,000 |
| Other | 346 | $36,880,000 | $106,000 | $785,000 | $193,000 | $1,876,000 |
| Collateral | 185 | $24,885,000 | $134,000 | $815,000 | $182,000 | $1,100,000 |
| Employment History | 16 | $1,500,000 | $93,000 | $345,000 | $169,000 | $660,000 |
| Mortgage Insurance Denied | 11 | $1,065,000 | $96,000 | $155,000 | $189,000 | $442,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,040,000 | $173,000 | $375,000 | $100,000 | $209,000 |
| Unverifiable Information | 4 | $730,000 | $182,000 | $545,000 | $69,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tower Federal Credit Union's 2019 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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