Tyndall Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Tyndall Federal Credit Union 2005 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 | 2,161 |
| Total Mortgage Loan Application Amount | $151,420,000 |
| Average Mortgage Loan Application Amount | $80,850 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $80,875 |
| Highest Applicant Income | $330,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,512 | $ 107,314,000 | $ 70,000 | $ 53,000 |
| Washington County Florida | 79 | $ 4,608,000 | $ 58,000 | $ 43,000 |
| Gulf County Florida | 68 | $ 4,910,000 | $ 72,000 | $ 54,000 |
| Jackson County Florida | 67 | $ 3,388,000 | $ 50,000 | $ 48,000 |
| Okaloosa County Florida | 64 | $ 4,207,000 | $ 65,000 | $ 62,000 |
| Franklin County Florida | 22 | $ 1,370,000 | $ 62,000 | $ 51,000 |
| Leon County Florida | 20 | $ 1,529,000 | $ 76,000 | $ 64,000 |
| Walton County Florida | 20 | $ 2,379,000 | $ 118,000 | $ 89,000 |
| Santa Rosa County Florida | 19 | $ 1,143,000 | $ 60,000 | $ 62,000 |
| Calhoun County Florida | 17 | $ 879,000 | $ 51,000 | $ 48,000 |
| Holmes County Florida | 7 | $ 524,000 | $ 74,000 | $ 43,000 |
| Escambia County Florida | 6 | $ 516,000 | $ 86,000 | $ 61,000 |
| Duval County Florida | 4 | $ 280,000 | $ 70,000 | $ 98,000 |
| Houston County Alabama | 3 | $ 214,000 | $ 71,000 | $ 40,000 |
| Brevard County Florida | 3 | $ 709,000 | $ 236,000 | $ 146,000 |
| Hillsborough County Florida | 3 | $ 163,000 | $ 54,000 | $ 96,000 |
| Wakulla County Florida | 3 | $ 227,000 | $ 75,000 | $ 131,000 |
| Clay County Florida | 2 | $ 50,000 | $ 25,000 | $ 71,000 |
| Indian River County Florida | 2 | $ 102,000 | $ 51,000 | $ 54,000 |
| Liberty County Florida | 2 | $ 135,000 | $ 67,000 | $ 28,000 |
| Orange County Florida | 2 | $ 121,000 | $ 60,000 | $ 107,000 |
| Seminole County Florida | 2 | $ 119,000 | $ 59,000 | $ 56,000 |
| Cherokee County Georgia | 2 | $ 22,000 | $ 11,000 | $ 28,000 |
| Cobb County Georgia | 2 | $ 45,000 | $ 22,000 | $ 73,000 |
| Prince George's County Maryland | 2 | $ 53,000 | $ 26,000 | $ 87,000 |
| Crenshaw County Alabama | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Elmore County Alabama | 1 | $ 19,000 | $ 19,000 | $ 80,000 |
| Madison County Alabama | 1 | $ 24,000 | $ 24,000 | $ 73,000 |
| Mobile County Alabama | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Montgomery County Alabama | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Shelby County Alabama | 1 | $ 24,000 | $ 24,000 | $ 45,000 |
| Grant County Arkansas | 1 | $ 320,000 | $ 320,000 | $ 191,000 |
| Hot Spring County Arkansas | 1 | $ 298,000 | $ 298,000 | $ 170,000 |
| Gunnison County Colorado | 1 | $ 100,000 | $ 100,000 | $ 85,000 |
| Pueblo County Colorado | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Columbia County Florida | 1 | $ 80,000 | $ 80,000 | $ 22,000 |
| Hendry County Florida | 1 | $ 210,000 | $ 210,000 | $ 67,000 |
| Lake County Florida | 1 | $ 40,000 | $ 40,000 | $ 156,000 |
| Lee County Florida | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| St. Johns County Florida | 1 | $ 221,000 | $ 221,000 | $ 105,000 |
| St. Lucie County Florida | 1 | $ 110,000 | $ 110,000 | $ 133,000 |
| Volusia County Florida | 1 | $ 52,000 | $ 52,000 | $ 59,000 |
| Bibb County Georgia | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| DeKalb County Georgia | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Fannin County Georgia | 1 | $ 187,000 | $ 187,000 | $ 123,000 |
| Fayette County Georgia | 1 | $ 30,000 | $ 30,000 | $ 155,000 |
| Grady County Georgia | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Houston County Georgia | 1 | $ 17,000 | $ 17,000 | $ 36,000 |
| Paulding County Georgia | 1 | $ 18,000 | $ 18,000 | $ 100,000 |
| Seminole County Georgia | 1 | $ 27,000 | $ 27,000 | $ 27,000 |
| Walton County Georgia | 1 | $ 88,000 | $ 88,000 | $ 55,000 |
| St. Clair County Illinois | 1 | $ 32,000 | $ 32,000 | $ 115,000 |
| LaGrange County Indiana | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Warrick County Indiana | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Logan County Kentucky | 1 | $ 27,000 | $ 27,000 | $ 24,000 |
| Howard County Maryland | 1 | $ 210,000 | $ 210,000 | $ 211,000 |
| Isabella County Michigan | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Harrison County Mississippi | 1 | $ 8,000 | $ 8,000 | $ 52,000 |
| Marshall County Mississippi | 1 | $ 77,000 | $ 77,000 | $ 55,000 |
| Atlantic County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Bernalillo County New Mexico | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Erie County New York | 1 | $ 42,000 | $ 42,000 | $ 37,000 |
| Onondaga County New York | 1 | $ 14,000 | $ 14,000 | $ 41,000 |
| Cumberland County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 39,000 |
| Guilford County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Jackson County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Wake County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 98,000 |
| Montgomery County Ohio | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Washita County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 113,000 |
| Washington County Oregon | 1 | $ 40,000 | $ 40,000 | $ 130,000 |
| Putnam County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 195,000 |
| Shelby County Tennessee | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| Bexar County Texas | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Dallas County Texas | 1 | $ 93,000 | $ 93,000 | $ 98,000 |
| Harrison County Texas | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Travis County Texas | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Davis County Utah | 1 | $ 10,000 | $ 10,000 | $ 77,000 |
| Salt Lake County Utah | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Alexandria County Virginia | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Botetourt County Virginia | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Montgomery County Virginia | 1 | $ 106,000 | $ 106,000 | $ 85,000 |
| York County Virginia | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Kitsap County Washington | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Tyndall Federal Credit Union in 2005
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 | 1,166 | $85,407,000 | $80,894 | $1,000,000 | $81,105 | $330,000 |
| Home Improvement | 651 | $33,850,000 | $45,583 | $360,000 | $84,083 | $210,000 |
| Home Purchase | 344 | $32,163,000 | $127,777 | $333,000 | $76,111 | $312,000 |
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 | 1,830 | $128,561,000 | $81,950 | $383,000 | $86,650 | $312,000 |
| Black or African American | 159 | $10,168,000 | $65,000 | $315,000 | $60,250 | $185,000 |
| Not Provided | 76 | $5,562,000 | $83,125 | $1,000,000 | $76,625 | $330,000 |
| Hispanic | 47 | $3,559,000 | $82,500 | $333,000 | $51,000 | $266,000 |
| Asian | 33 | $2,297,000 | $55,000 | $375,000 | $35,000 | $156,000 |
| American Indian or Alaskan Native | 10 | $785,000 | $90,000 | $240,000 | $62,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $488,000 | $81,000 | $175,000 | $48,000 | $66,000 |
| 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) | 2,142 | $148,577,000 | $73,250 | $1,000,000 | $84,666 | $330,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,843,000 | $148,500 | $244,000 | $51,000 | $105,000 |
| 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 | 1,397 | $101,116,000 | $85,550 | $360,000 | $99,600 | $284,000 |
| Application Denied By Financial Institution | 383 | $27,271,000 | $85,900 | $383,000 | $71,700 | $312,000 |
| File Closed For Incompleteness | 229 | $13,432,000 | $46,444 | $1,000,000 | $55,111 | $330,000 |
| Application Withdrawn By Applicant | 140 | $8,289,000 | $32,666 | $260,000 | $47,333 | $210,000 |
| Application Approved But Not Accepted | 12 | $1,312,000 | $85,000 | $181,000 | $73,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 147 | $10,505,000 | $76,666 | $383,000 | $43,666 | $312,000 |
| Credit History | 141 | $8,312,000 | $35,400 | $315,000 | $54,200 | $177,000 |
| Collateral | 42 | $3,885,000 | $125,200 | $320,000 | $92,000 | $191,000 |
| Other | 23 | $2,445,000 | $111,666 | $300,000 | $58,666 | $109,000 |
| Employment History | 15 | $596,000 | $35,000 | $85,000 | $59,500 | $108,000 |
| Credit Application Incomplete | 12 | $1,400,000 | $86,000 | $293,000 | $32,000 | $102,000 |
| Unverifiable Information | 2 | $88,000 | $44,000 | $73,000 | $39,500 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $40,000 | $40,000 | $40,000 | $11,000 | $11,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tyndall Federal Credit Union's 2005 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.