Tyndall Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Tyndall Federal Credit Union 2004 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 | Tyndall Federal Credit Union 3109 Minnesota Ave Panama City, FL 32405 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 | 1,001 |
| Total Mortgage Loan Application Amount | $64,428,000 |
| Average Mortgage Loan Application Amount | $56,185 |
| Highest Mortgage Loan Application Amount | $504,000 |
| Average Applicant Income | $69,037 |
| Highest Applicant Income | $330,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Tyndall 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 Tyndall Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Tyndall 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 Tyndall Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Tyndall 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 Tyndall Federal Credit Union's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bay County Florida | 745 | $ 48,382,000 | $ 64,000 | $ 49,000 |
| Gulf County Florida | 58 | $ 3,897,000 | $ 67,000 | $ 51,000 |
| Washington County Florida | 34 | $ 1,957,000 | $ 57,000 | $ 47,000 |
| Jackson County Florida | 29 | $ 1,770,000 | $ 61,000 | $ 57,000 |
| Franklin County Florida | 17 | $ 929,000 | $ 54,000 | $ 50,000 |
| Calhoun County Florida | 10 | $ 570,000 | $ 57,000 | $ 47,000 |
| Walton County Florida | 7 | $ 407,000 | $ 58,000 | $ 50,000 |
| Leon County Florida | 6 | $ 297,000 | $ 49,000 | $ 60,000 |
| Holmes County Florida | 5 | $ 368,000 | $ 73,000 | $ 53,000 |
| Okaloosa County Florida | 5 | $ 193,000 | $ 38,000 | $ 80,000 |
| Gadsden County Florida | 3 | $ 119,000 | $ 39,000 | $ 27,000 |
| Montgomery County Alabama | 2 | $ 121,000 | $ 60,000 | $ 82,000 |
| Tuscaloosa County Alabama | 2 | $ 95,000 | $ 47,000 | $ 119,000 |
| Brevard County Florida | 2 | $ 90,000 | $ 45,000 | $ 83,000 |
| Putnam County Florida | 2 | $ 121,000 | $ 60,000 | $ 71,000 |
| Santa Rosa County Florida | 2 | $ 338,000 | $ 169,000 | $ 70,000 |
| Seminole County Florida | 2 | $ 70,000 | $ 35,000 | $ 50,000 |
| Volusia County Florida | 2 | $ 166,000 | $ 83,000 | $ 43,000 |
| Schenectady County New York | 2 | $ 97,000 | $ 48,000 | $ 88,000 |
| Barbour County Alabama | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Coffee County Alabama | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| Houston County Alabama | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Jefferson County Alabama | 1 | $ 24,000 | $ 24,000 | $ 60,000 |
| Lauderdale County Alabama | 1 | $ 166,000 | $ 166,000 | $ 54,000 |
| Mobile County Alabama | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Shelby County Alabama | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Sacramento County California | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| Alachua County Florida | 1 | $ 81,000 | $ 81,000 | $ 62,000 |
| Broward County Florida | 1 | $ 86,000 | $ 86,000 | $ 130,000 |
| Citrus County Florida | 1 | $ 88,000 | $ 88,000 | $ 63,000 |
| Duval County Florida | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Escambia County Florida | 1 | $ 78,000 | $ 78,000 | $ 119,000 |
| Hillsborough County Florida | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
| Liberty County Florida | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| St. Johns County Florida | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Bartow County Georgia | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Gilmer County Georgia | 1 | $ 49,000 | $ 49,000 | $ 54,000 |
| Houston County Georgia | 1 | $ 38,000 | $ 38,000 | $ 85,000 |
| Muscogee County Georgia | 1 | $ 71,000 | $ 71,000 | $ 42,000 |
| Piscataquis County Maine | 1 | $ 100,000 | $ 100,000 | $ 161,000 |
| Harford County Maryland | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Macomb County Michigan | 1 | $ 62,000 | $ 62,000 | $ 49,000 |
| Harrison County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 74,000 |
| Johnson County Missouri | 1 | $ 113,000 | $ 113,000 | $ 74,000 |
| Strafford County New Hampshire | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Erie County New York | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Fairfield County Ohio | 1 | $ 12,000 | $ 12,000 | $ 80,000 |
| Lake County Ohio | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Tulsa County Oklahoma | 1 | $ 72,000 | $ 72,000 | $ 65,000 |
| Harris County Texas | 1 | $ 32,000 | $ 32,000 | $ 50,000 |
| Johnson County Texas | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Loudoun County Virginia | 1 | $ 100,000 | $ 100,000 | $ 122,000 |
| King County Washington | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Tyndall Federal Credit Union in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 673 | $40,798,000 | $57,142 | $504,000 | $75,571 | $330,000 |
| Home Purchase | 203 | $19,318,000 | $79,428 | $285,000 | $65,142 | $180,000 |
| Home Improvement | 125 | $4,312,000 | $26,833 | $323,000 | $58,333 | $215,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 889 | $58,032,000 | $59,687 | $504,000 | $72,937 | $330,000 |
| Black or African American | 80 | $4,596,000 | $54,000 | $240,000 | $70,000 | $143,000 |
| Hispanic | 16 | $708,000 | $45,333 | $162,000 | $48,333 | $215,000 |
| American Indian or Alaskan Native | 8 | $557,000 | $99,333 | $166,000 | $54,333 | $111,000 |
| Asian | 6 | $478,000 | $79,000 | $146,000 | $52,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $57,000 | $28,000 | $49,000 | $26,000 | $36,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 973 | $60,667,000 | $60,235 | $504,000 | $74,235 | $330,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,470,000 | $144,000 | $240,000 | $63,000 | $111,000 |
| FHA-insured (Federal Housing Administration) | 3 | $291,000 | $90,500 | $130,000 | $28,500 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 715 | $46,786,000 | $59,666 | $504,000 | $75,888 | $330,000 |
| Application Withdrawn By Applicant | 186 | $11,779,000 | $53,400 | $301,000 | $68,400 | $182,000 |
| Application Denied By Financial Institution | 92 | $5,518,000 | $88,400 | $240,000 | $55,800 | $130,000 |
| Application Approved But Not Accepted | 6 | $214,000 | $40,500 | $56,000 | $78,500 | $102,000 |
| File Closed For Incompleteness | 2 | $131,000 | $65,000 | $90,000 | $81,000 | $102,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 50 | $3,011,000 | $90,500 | $240,000 | $61,750 | $103,000 |
| Debt-To-Income Ratio | 21 | $1,692,000 | $82,666 | $175,000 | $39,333 | $130,000 |
| Collateral | 7 | $201,000 | $28,000 | $81,000 | $73,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $228,000 | $45,500 | $54,000 | $22,000 | $31,000 |
| Other | 5 | $206,000 | $43,500 | $60,000 | $25,500 | $45,000 |
| Unverifiable Information | 3 | $140,000 | $46,000 | $85,000 | $62,000 | $89,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $69,000 | $69,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tyndall Federal Credit Union's 2004 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 Tyndall 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 Florida, download the full spreadsheet
with aggregated HMDA statistics today.