Tyndall Federal Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Tyndall Federal Credit Union of Panama City, FL reported 2,720 mortgage applications totaling $315.6 million, up 49% from 2011. The average application was for $116,014, and applicants reported an average income of $81,367. 45% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Panama City-Lynn Haven-Panama City Beach, FL (1,542), Dothan, AL (152) and Mobile, AL (143) (applications in parentheses).

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
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Total Number of Mortgage Applications 2,720
Total Mortgage Loan Application Amount $315,559,000
Average Mortgage Loan Application Amount $116,014
Highest Mortgage Loan Application Amount $657,000
Average Applicant Income $81,367
Highest Applicant Income $3,900,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tyndall Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Tyndall Federal Credit Union by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bay, Florida 1,542 $ 177,745,000 $ 115,269 $ 80,000
Jackson, Florida 152 $ 13,393,000 $ 88,111 $ 91,000
Mobile, Alabama 143 $ 16,475,000 $ 115,209 $ 77,000
Houston, Alabama 127 $ 13,292,000 $ 104,661 $ 81,000
Baldwin, Alabama 121 $ 17,721,000 $ 146,454 $ 85,000
Gulf, Florida 88 $ 9,604,000 $ 109,136 $ 73,000
Washington, Florida 85 $ 8,942,000 $ 105,200 $ 71,000
Okaloosa, Florida 40 $ 4,814,000 $ 120,350 $ 84,000
Franklin, Florida 31 $ 2,801,000 $ 90,354 $ 71,000
Calhoun, Florida 26 $ 2,855,000 $ 109,807 $ 79,000
Walton, Florida 26 $ 3,503,000 $ 134,730 $ 74,000
Holmes, Florida 25 $ 2,695,000 $ 107,800 $ 67,000
Dale, Alabama 16 $ 1,603,000 $ 100,187 $ 65,000
Henry, Alabama 16 $ 1,535,000 $ 95,937 $ 79,000
Leon, Florida 15 $ 1,635,000 $ 109,000 $ 128,000
Santa Rosa, Florida 14 $ 1,676,000 $ 119,714 $ 94,000
Orange, Florida 11 $ 1,441,000 $ 131,000 $ 63,000
Geneva, Alabama 9 $ 822,000 $ 91,333 $ 66,000
Coffee, Alabama 6 $ 650,000 $ 108,333 $ 52,000
Maricopa, Arizona 5 $ 902,000 $ 180,400 $ 97,000
Brevard, Florida 5 $ 1,000,000 $ 200,000 $ 130,000
Escambia, Florida 5 $ 944,000 $ 188,800 $ 93,000
Hillsborough, Florida 5 $ 414,000 $ 82,800 $ 73,000
Cobb, Georgia 5 $ 897,000 $ 179,400 $ 124,000
Marion, Florida 4 $ 310,000 $ 77,500 $ 53,000
Pinellas, Florida 4 $ 435,000 $ 108,750 $ 111,000
Wakulla, Florida 4 $ 291,000 $ 72,750 $ 47,000
Lowndes, Georgia 4 $ 258,000 $ 64,500 $ 196,000
Escambia, Alabama 3 $ 282,000 $ 94,000 $ 115,000
Forsyth, Georgia 3 $ 453,000 $ 151,000 $ 88,000
Johnson, Missouri 3 $ 446,000 $ 148,666 $ 117,000
Shelby, Tennessee 3 $ 284,000 $ 94,666 $ 102,000
Butler, Alabama 2 $ 242,000 $ 121,000 $ 67,000
Jefferson, Alabama 2 $ 358,000 $ 179,000 $ 123,000
Pike, Alabama 2 $ 216,000 $ 108,000 $ 49,000
St. Clair, Alabama 2 $ 218,000 $ 109,000 $ 92,000
El Paso, Colorado 2 $ 266,000 $ 133,000 $ 189,000
Gadsden, Florida 2 $ 275,000 $ 137,500 $ 92,000
Liberty, Florida 2 $ 164,000 $ 82,000 $ 36,000
St. Johns, Florida 2 $ 183,000 $ 91,500 $ 55,000
Volusia, Florida 2 $ 202,000 $ 101,000 $ 90,000
Calhoun, Georgia 2 $ 142,000 $ 71,000 $ 77,000
Decatur, Georgia 2 $ 332,000 $ 166,000 $ 124,000
Fannin, Georgia 2 $ 292,000 $ 146,000 $ 108,000
Gwinnett, Georgia 2 $ 238,000 $ 119,000 $ 124,000
Seminole, Georgia 2 $ 219,000 $ 109,500 $ 118,000
Cook, Illinois 2 $ 166,000 $ 83,000 $ 122,000
Baltimore, Maryland 2 $ 578,000 $ 289,000 $ 132,000
DeSoto, Mississippi 2 $ 254,000 $ 127,000 $ 103,000
Jackson, Mississippi 2 $ 263,000 $ 131,500 $ 52,000
Polk, Oregon 2 $ 302,000 $ 151,000 $ 109,000
Williamson, Texas 2 $ 155,000 $ 77,500 $ 72,000
Fairfax, Virginia 2 $ 780,000 $ 390,000 $ 142,000
Prince William, Virginia 2 $ 405,000 $ 202,500 $ 111,000
Stafford, Virginia 2 $ 395,000 $ 197,500 $ 144,000
Brown, Wisconsin 2 $ 129,000 $ 64,500 $ 61,000
Choctaw, Alabama 1 $ 130,000 $ 130,000 $ 80,000
Colbert, Alabama 1 $ 90,000 $ 90,000 $ 81,000
Covington, Alabama 1 $ 59,000 $ 59,000 $ 22,000
Crenshaw, Alabama 1 $ 217,000 $ 217,000 $ 79,000
Etowah, Alabama 1 $ 196,000 $ 196,000 $ 49,000
Madison, Alabama 1 $ 340,000 $ 340,000 $ 105,000
Marshall, Alabama 1 $ 101,000 $ 101,000 $ 57,000
Shelby, Alabama 1 $ 371,000 $ 371,000 $ 98,000
Tallapoosa, Alabama 1 $ 40,000 $ 40,000 $ 85,000
Pulaski, Arkansas 1 $ 337,000 $ 337,000 $ 210,000
Van Buren, Arkansas 1 $ 75,000 $ 75,000 $ 43,000
Los Angeles, California 1 $ 225,000 $ 225,000 $ 72,000
Riverside, California 1 $ 392,000 $ 392,000 $ 350,000
Santa Cruz, California 1 $ 190,000 $ 190,000 $ 123,000
Siskiyou, California 1 $ 108,000 $ 108,000 $ 53,000
Arapahoe, Colorado 1 $ 70,000 $ 70,000 $ 143,000
Denver, Colorado 1 $ 171,000 $ 171,000 $ 164,000
Alachua, Florida 1 $ 135,000 $ 135,000 $ 98,000
Broward, Florida 1 $ 380,000 $ 380,000 $ 108,000
Charlotte, Florida 1 $ 17,000 $ 17,000 $ 12,000
Citrus, Florida 1 $ 139,000 $ 139,000 $ 53,000
Clay, Florida 1 $ 191,000 $ 191,000 $ 58,000
Duval, Florida 1 $ 285,000 $ 285,000 $ 306,000
Hernando, Florida 1 $ 120,000 $ 120,000 $ 101,000
Jefferson, Florida 1 $ 196,000 $ 196,000 $ 71,000
Lake, Florida 1 $ 92,000 $ 92,000 $ 63,000
Lee, Florida 1 $ 170,000 $ 170,000 $ 237,000
Manatee, Florida 1 $ 350,000 $ 350,000 $ 201,000
Miami-Dade, Florida 1 $ 99,000 $ 99,000 $ 61,000
Palm Beach, Florida 1 $ 78,000 $ 78,000 $ 59,000
Pasco, Florida 1 $ 40,000 $ 40,000 $ 95,000
Sarasota, Florida 1 $ 328,000 $ 328,000 $ 113,000
Seminole, Florida 1 $ 102,000 $ 102,000 $ 152,000
St. Lucie, Florida 1 $ 58,000 $ 58,000 $ 62,000
Suwannee, Florida 1 $ 55,000 $ 55,000 $ 61,000
Bibb, Georgia 1 $ 118,000 $ 118,000 $ 98,000
Catoosa, Georgia 1 $ 130,000 $ 130,000 $ 78,000
Chatham, Georgia 1 $ 88,000 $ 88,000 $ 38,000
Cherokee, Georgia 1 $ 100,000 $ 100,000 $ 54,000
Clay, Georgia 1 $ 191,000 $ 191,000 $ 130,000
DeKalb, Georgia 1 $ 45,000 $ 45,000 $ 32,000
Early, Georgia 1 $ 85,000 $ 85,000 $ 70,000
Fayette, Georgia 1 $ 218,000 $ 218,000 $ 174,000
Habersham, Georgia 1 $ 70,000 $ 70,000 $ 119,000
Houston, Georgia 1 $ 67,000 $ 67,000 $ 66,000
Laurens, Georgia 1 $ 235,000 $ 235,000 $ 288,000
Muscogee, Georgia 1 $ 100,000 $ 100,000 $ 74,000
Oconee, Georgia 1 $ 275,000 $ 275,000 $ 110,000
Tift, Georgia 1 $ 91,000 $ 91,000 $ 78,000
Ware, Georgia 1 $ 120,000 $ 120,000 $ 308,000
Henry, Indiana 1 $ 250,000 $ 250,000 $ 71,000
Lake, Indiana 1 $ 216,000 $ 216,000 $ 156,000
Marion, Iowa 1 $ 78,000 $ 78,000 $ 23,000
Christian, Kentucky 1 $ 57,000 $ 57,000 $ 85,000
Clark, Kentucky 1 $ 170,000 $ 170,000 $ 140,000
Franklin, Kentucky 1 $ 80,000 $ 80,000 $ 52,000
Jefferson, Kentucky 1 $ 138,000 $ 138,000 $ 135,000
Ascension, Louisiana 1 $ 65,000 $ 65,000 $ 87,000
Lafourche, Louisiana 1 $ 90,000 $ 90,000 $ 138,000
Orleans, Louisiana 1 $ 136,000 $ 136,000 $ 185,000
St. Landry, Louisiana 1 $ 25,000 $ 25,000 $ 42,000
Frederick, Maryland 1 $ 136,000 $ 136,000 $ 175,000
Harford, Maryland 1 $ 160,000 $ 160,000 $ 100,000
Montgomery, Maryland 1 $ 322,000 $ 322,000 $ 166,000
Norfolk, Massachusetts 1 $ 110,000 $ 110,000 $ 34,000
Wayne, Michigan 1 $ 129,000 $ 129,000 $ 101,000
Hennepin, Minnesota 1 $ 252,000 $ 252,000 $ 96,000
Forrest, Mississippi 1 $ 55,000 $ 55,000 $ 66,000
Hancock, Mississippi 1 $ 125,000 $ 125,000 $ 32,000
Oktibbeha, Mississippi 1 $ 94,000 $ 94,000 $ 61,000
Tate, Mississippi 1 $ 50,000 $ 50,000 $ 83,000
St. Louis, Missouri 1 $ 134,000 $ 134,000 $ 60,000
Stoddard, Missouri 1 $ 85,000 $ 85,000 $ 75,000
Clark, Nevada 1 $ 186,000 $ 186,000 $ 55,000
Strafford, New Hampshire 1 $ 87,000 $ 87,000 $ 145,000
Essex, New Jersey 1 $ 58,000 $ 58,000 $ 33,000
Somerset, New Jersey 1 $ 260,000 $ 260,000 $ 132,000
Bernalillo, New Mexico 1 $ 155,000 $ 155,000 $ 69,000
Curry, New Mexico 1 $ 160,000 $ 160,000 $ 105,000
Oneida, New York 1 $ 57,000 $ 57,000 $ 37,000
Schoharie, New York 1 $ 390,000 $ 390,000 $ 132,000
Washington, New York 1 $ 145,000 $ 145,000 $ 143,000
Burke, North Carolina 1 $ 100,000 $ 100,000 $ 51,000
Cumberland, North Carolina 1 $ 274,000 $ 274,000 $ 126,000
Granville, North Carolina 1 $ 130,000 $ 130,000 $ 83,000
New Hanover, North Carolina 1 $ 77,000 $ 77,000 $ 57,000
Union, North Carolina 1 $ 86,000 $ 86,000 $ 38,000
Watauga, North Carolina 1 $ 232,000 $ 232,000 $ 50,000
Wayne, North Carolina 1 $ 34,000 $ 34,000 $ 45,000
Clermont, Ohio 1 $ 128,000 $ 128,000 $ 227,000
Greene, Ohio 1 $ 182,000 $ 182,000 $ 142,000
Knox, Ohio 1 $ 160,000 $ 160,000 $ 139,000
Mahoning, Ohio 1 $ 69,000 $ 69,000 $ 34,000
Summit, Ohio 1 $ 291,000 $ 291,000 $ 193,000
Cleveland, Oklahoma 1 $ 343,000 $ 343,000 $ 158,000
Greer, Oklahoma 1 $ 69,000 $ 69,000 $ 48,000
Oklahoma, Oklahoma 1 $ 55,000 $ 55,000 $ 110,000
Payne, Oklahoma 1 $ 140,000 $ 140,000 $ 145,000
Clackamas, Oregon 1 $ 220,000 $ 220,000 $ 77,000
Multnomah, Oregon 1 $ 61,000 $ 61,000 $ 73,000
Aiken, South Carolina 1 $ 64,000 $ 64,000 $ 60,000
Dorchester, South Carolina 1 $ 125,000 $ 125,000 $ 26,000
Oconee, South Carolina 1 $ 65,000 $ 65,000 $ 52,000
Sumter, South Carolina 1 $ 120,000 $ 120,000 $ 110,000
Bradley, Tennessee 1 $ 140,000 $ 140,000 $ 95,000
Cocke, Tennessee 1 $ 85,000 $ 85,000 $ 51,000
Davidson, Tennessee 1 $ 86,000 $ 86,000 $ 25,000
Grainger, Tennessee 1 $ 55,000 $ 55,000 $ 37,000
Hamilton, Tennessee 1 $ 97,000 $ 97,000 $ 64,000
Putnam, Tennessee 1 $ 103,000 $ 103,000 $ 170,000
Rutherford, Tennessee 1 $ 267,000 $ 267,000 $ 130,000
Wilson, Tennessee 1 $ 120,000 $ 120,000 $ 56,000
Bell, Texas 1 $ 59,000 $ 59,000 $ 66,000
Collin, Texas 1 $ 190,000 $ 190,000 $ 161,000
Dallas, Texas 1 $ 226,000 $ 226,000 $ 262,000
Guadalupe, Texas 1 $ 189,000 $ 189,000 $ 121,000
Montgomery, Texas 1 $ 275,000 $ 275,000 $ 80,000
Tarrant, Texas 1 $ 73,000 $ 73,000 $ 81,000
Weber, Utah 1 $ 94,000 $ 94,000 $ 99,000
Clarke, Virginia 1 $ 135,000 $ 135,000 $ 75,000
Halifax, Virginia 1 $ 152,000 $ 152,000 $ 152,000
York, Virginia 1 $ 398,000 $ 398,000 $ 174,000
Benton, Washington 1 $ 186,000 $ 186,000 $ 81,000
King, Washington 1 $ 150,000 $ 150,000 $ 89,000
Kitsap, Washington 1 $ 178,000 $ 178,000 $ 48,000
Wetzel, West Virginia 1 $ 49,000 $ 49,000 $ 49,000

Mortgage Loan Application Detail Totals for Tyndall Federal Credit Union in 2012

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 2,056 $250,361,000 $121,000 $657,000 $86,000 $3,900,000
Home Purchase 448 $52,062,000 $116,000 $408,000 $68,000 $720,000
Home Improvement 216 $13,136,000 $60,000 $395,000 $65,000 $267,000

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 2,224 $257,534,000 $115,000 $417,000 $81,000 $1,111,000
Not Provided 218 $27,120,000 $124,000 $385,000 $103,000 $3,900,000
Black or African American 129 $13,555,000 $105,000 $322,000 $70,000 $226,000
Hispanic 55 $5,286,000 $96,000 $322,000 $77,000 $474,000
Asian 52 $6,561,000 $126,000 $508,000 $70,000 $300,000
American Indian or Alaskan Native 33 $4,499,000 $136,000 $657,000 $86,000 $191,000
Native Hawaiian or Other Pacific Islander 9 $1,004,000 $111,000 $175,000 $51,000 $94,000
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) 2,370 $261,298,000 $110,000 $657,000 $82,000 $3,900,000
VA-guaranteed (Veterans Administration) 184 $32,323,000 $175,000 $398,000 $93,000 $306,000
FHA-insured (Federal Housing Administration) 109 $14,550,000 $133,000 $341,000 $66,000 $164,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $7,388,000 $129,000 $269,000 $48,000 $103,000

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 1,214 $135,826,000 $111,000 $417,000 $83,000 $635,000
Application Denied By Financial Institution 709 $91,302,000 $128,000 $508,000 $79,000 $3,900,000
Application Withdrawn By Applicant 627 $75,749,000 $120,000 $657,000 $84,000 $1,111,000
Application Approved But Not Accepted 161 $11,590,000 $71,000 $265,000 $71,000 $279,000
File Closed For Incompleteness 9 $1,092,000 $121,000 $260,000 $89,000 $194,000
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
Collateral 3 $476,000 $158,000 $249,000 $70,000 $106,000
Credit History 1 $66,000 $66,000 $66,000 $43,000 $43,000
Debt-To-Income Ratio 1 $115,000 $115,000 $115,000 $19,000 $19,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Tyndall Federal Credit Union's 2012 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.
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