2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Tower Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Tower Federal Credit Union 2009 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 | Tower Federal Credit Union 7901 Sandy Spring Road Laurel, MD 20707 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 | 4,181 |
| Total Mortgage Loan Application Amount | $1,003,348,000 |
| Average Mortgage Loan Application Amount | $181,666 |
| Highest Mortgage Loan Application Amount | $834,000 |
| Average Applicant Income | $121,666 |
| Highest Applicant Income | $1,689,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Tower 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 Tower Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Tower 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 Tower Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Tower 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 Tower Federal Credit Union's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Accomack County Virginia | 2 | $ 689,000 | $ 344,000 | $ 223,000 |
| Adams County Colorado | 1 | $ 244,000 | $ 244,000 | $ 112,000 |
| Adams County Pennsylvania | 24 | $ 4,095,000 | $ 170,000 | $ 135,000 |
| Aiken County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 57,000 |
| Alamance County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 67,000 |
| Albany County New York | 1 | $ 82,000 | $ 82,000 | $ 123,000 |
| Albemarle County Virginia | 3 | $ 556,000 | $ 185,000 | $ 131,000 |
| Alexandria County Virginia | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Allegany County Maryland | 1 | $ 92,000 | $ 92,000 | $ 63,000 |
| Allegheny County Pennsylvania | 7 | $ 1,147,000 | $ 163,000 | $ 104,000 |
| Anchorage County Alaska | 2 | $ 537,000 | $ 268,000 | $ 97,000 |
| Anderson County South Carolina | 1 | $ 283,000 | $ 283,000 | $ 172,000 |
| Anne Arundel County Maryland | 1,393 | $ 334,275,000 | $ 239,000 | $ 127,000 |
| Arapahoe County Colorado | 9 | $ 2,384,000 | $ 264,000 | $ 143,000 |
| Arlington County Virginia | 11 | $ 4,217,000 | $ 383,000 | $ 152,000 |
| Ashtabula County Ohio | 2 | $ 38,000 | $ 19,000 | $ 17,000 |
| Atlantic County New Jersey | 1 | $ 306,000 | $ 306,000 | $ 85,000 |
| Baldwin County Alabama | 2 | $ 502,000 | $ 251,000 | $ 141,000 |
| Baltimore City County Maryland | 92 | $ 15,130,000 | $ 164,000 | $ 99,000 |
| Baltimore County Maryland | 322 | $ 63,425,000 | $ 196,000 | $ 110,000 |
| Barnstable County Massachusetts | 1 | $ 284,000 | $ 284,000 | $ 270,000 |
| Bayfield County Wisconsin | 1 | $ 338,000 | $ 338,000 | $ 301,000 |
| Beaufort County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 145,000 |
| Beaufort County South Carolina | 2 | $ 406,000 | $ 203,000 | $ 91,000 |
| Bedford County Pennsylvania | 1 | $ 107,000 | $ 107,000 | $ 226,000 |
| Bedford County Virginia | 2 | $ 695,000 | $ 347,000 | $ 196,000 |
| Bell County Texas | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Benton County Arkansas | 1 | $ 10,000 | $ 10,000 | $ 103,000 |
| Bergen County New Jersey | 1 | $ 581,000 | $ 581,000 | $ 140,000 |
| Berkeley County West Virginia | 7 | $ 1,056,000 | $ 150,000 | $ 101,000 |
| Bernalillo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Bexar County Texas | 7 | $ 1,322,000 | $ 188,000 | $ 92,000 |
| Bibb County Georgia | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Blount County Tennessee | 1 | $ 416,000 | $ 416,000 | $ 90,000 |
| Boulder County Colorado | 2 | $ 895,000 | $ 447,000 | $ 135,000 |
| Brevard County Florida | 2 | $ 339,000 | $ 169,000 | $ 59,000 |
| Broomfield County Colorado | 1 | $ 480,000 | $ 480,000 | $ 95,000 |
| Broward County Florida | 4 | $ 799,000 | $ 199,000 | $ 103,000 |
| Brunswick County North Carolina | 6 | $ 2,001,000 | $ 333,000 | $ 103,000 |
| Bryan County Georgia | 1 | $ 191,000 | $ 191,000 | $ 317,000 |
| Bucks County Pennsylvania | 3 | $ 630,000 | $ 210,000 | $ 163,000 |
| Butler County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 87,000 |
| Calvert County Maryland | 17 | $ 4,843,000 | $ 284,000 | $ 126,000 |
| Cambria County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 172,000 |
| Caroline County Maryland | 12 | $ 2,680,000 | $ 223,000 | $ 100,000 |
| Carroll County Arkansas | 2 | $ 184,000 | $ 92,000 | $ 130,000 |
| Carroll County Maryland | 284 | $ 72,817,000 | $ 256,000 | $ 148,000 |
| Cecil County Maryland | 5 | $ 948,000 | $ 189,000 | $ 97,000 |
| Centre County Pennsylvania | 4 | $ 728,000 | $ 182,000 | $ 130,000 |
| Charles County Maryland | 13 | $ 3,152,000 | $ 242,000 | $ 147,000 |
| Charlotte County Florida | 1 | $ 90,000 | $ 90,000 | $ 57,000 |
| Charlottesville County Virginia | 1 | $ 755,000 | $ 755,000 | $ 114,000 |
| Cherokee County Georgia | 1 | $ 340,000 | $ 340,000 | $ 160,000 |
| Cherokee County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 69,000 |
| Chesapeake County Virginia | 4 | $ 793,000 | $ 198,000 | $ 160,000 |
| Cheshire County New Hampshire | 1 | $ 10,000 | $ 10,000 | $ 94,000 |
| Chester County Pennsylvania | 3 | $ 580,000 | $ 193,000 | $ 99,000 |
| Chesterfield County Virginia | 2 | $ 428,000 | $ 214,000 | $ 161,000 |
| Citrus County Florida | 3 | $ 460,000 | $ 153,000 | $ 83,000 |
| Clallam County Washington | 1 | $ 150,000 | $ 150,000 | $ 147,000 |
| Clark County Nevada | 2 | $ 326,000 | $ 163,000 | $ 61,000 |
| Clark County Ohio | 2 | $ 244,000 | $ 122,000 | $ 141,000 |
| Clark County Washington | 1 | $ 163,000 | $ 163,000 | $ 94,000 |
| Clearfield County Pennsylvania | 2 | $ 513,000 | $ 256,000 | $ 268,000 |
| Cobb County Georgia | 2 | $ 378,000 | $ 189,000 | $ 97,000 |
| Cochise County Arizona | 2 | $ 263,000 | $ 131,000 | $ 98,000 |
| Coconino County Arizona | 1 | $ 242,000 | $ 242,000 | $ 96,000 |
| Columbia County Georgia | 20 | $ 4,255,000 | $ 212,000 | $ 132,000 |
| Cook County Illinois | 2 | $ 400,000 | $ 200,000 | $ 129,000 |
| Cook County Minnesota | 1 | $ 400,000 | $ 400,000 | $ 102,000 |
| Cumberland County Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 174,000 |
| Currituck County North Carolina | 2 | $ 456,000 | $ 228,000 | $ 123,000 |
| Cuyahoga County Ohio | 1 | $ 30,000 | $ 30,000 | $ 164,000 |
| Dale County Alabama | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
| Dallas County Texas | 1 | $ 70,000 | $ 70,000 | $ 168,000 |
| Dane County Wisconsin | 1 | $ 239,000 | $ 239,000 | $ 71,000 |
| Dare County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 131,000 |
| Dauphin County Pennsylvania | 2 | $ 157,000 | $ 78,000 | $ 89,000 |
| Davidson County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 67,000 |
| Davis County Utah | 2 | $ 463,000 | $ 231,000 | $ 78,000 |
| Delaware County Pennsylvania | 4 | $ 974,000 | $ 243,000 | $ 116,000 |
| Denton County Texas | 1 | $ 122,000 | $ 122,000 | $ 163,000 |
| Denver County Colorado | 2 | $ 195,000 | $ 97,000 | $ 91,000 |
| District of Columbia County District Of Columbia | 20 | $ 5,610,000 | $ 280,000 | $ 135,000 |
| Dorchester County Maryland | 4 | $ 322,000 | $ 80,000 | $ 75,000 |
| Douglas County Colorado | 10 | $ 2,183,000 | $ 218,000 | $ 150,000 |
| Douglas County Kansas | 1 | $ 226,000 | $ 226,000 | $ 69,000 |
| Duval County Florida | 1 | $ 183,000 | $ 183,000 | $ 100,000 |
| Edgefield County South Carolina | 2 | $ 173,000 | $ 86,000 | $ 69,000 |
| El Paso County Colorado | 6 | $ 1,169,000 | $ 194,000 | $ 167,000 |
| El Paso County Texas | 1 | $ 193,000 | $ 193,000 | $ 203,000 |
| Elk County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Erie County New York | 1 | $ 134,000 | $ 134,000 | $ 44,000 |
| Essex County Virginia | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Fairbanks North Star County Alaska | 1 | $ 243,000 | $ 243,000 | $ 109,000 |
| Fairfax County Virginia | 31 | $ 10,520,000 | $ 339,000 | $ 176,000 |
| Fairfield County Connecticut | 1 | $ 478,000 | $ 478,000 | $ 123,000 |
| Falls Church County Virginia | 1 | $ 234,000 | $ 234,000 | $ 79,000 |
| Fauquier County Virginia | 3 | $ 387,000 | $ 129,000 | $ 113,000 |
| Fayette County Georgia | 1 | $ 178,000 | $ 178,000 | $ 93,000 |
| Flagler County Florida | 3 | $ 233,000 | $ 77,000 | $ 68,000 |
| Florence County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 200,000 |
| Forsyth County Georgia | 1 | $ 269,000 | $ 269,000 | $ 242,000 |
| Forsyth County North Carolina | 2 | $ 273,000 | $ 136,000 | $ 30,000 |
| Franklin County Massachusetts | 1 | $ 399,000 | $ 399,000 | $ 134,000 |
| Franklin County Pennsylvania | 5 | $ 516,000 | $ 103,000 | $ 101,000 |
| Franklin County Vermont | 2 | $ 466,000 | $ 233,000 | $ 179,000 |
| Franklin County Virginia | 2 | $ 879,000 | $ 439,000 | $ 317,000 |
| Frederick County Maryland | 58 | $ 13,991,000 | $ 241,000 | $ 122,000 |
| Fulton County Georgia | 5 | $ 1,207,000 | $ 241,000 | $ 105,000 |
| Garrett County Maryland | 6 | $ 1,207,000 | $ 201,000 | $ 195,000 |
| Georgetown County South Carolina | 1 | $ 218,000 | $ 218,000 | $ 165,000 |
| Glynn County Georgia | 1 | $ 80,000 | $ 80,000 | $ 121,000 |
| Grand Traverse County Michigan | 1 | $ 216,000 | $ 216,000 | $ 257,000 |
| Halifax County North Carolina | 1 | $ 24,000 | $ 24,000 | $ 224,000 |
| Hamilton County Indiana | 2 | $ 171,000 | $ 85,000 | $ 126,000 |
| Harford County Maryland | 52 | $ 14,192,000 | $ 272,000 | $ 123,000 |
| Harrison County Indiana | 1 | $ 124,000 | $ 124,000 | $ 44,000 |
| Hartford County Connecticut | 1 | $ 352,000 | $ 352,000 | $ 150,000 |
| Hendricks County Indiana | 2 | $ 406,000 | $ 203,000 | $ 128,000 |
| Henrico County Virginia | 2 | $ 582,000 | $ 291,000 | $ 64,000 |
| Hillsborough County Florida | 8 | $ 2,206,000 | $ 275,000 | $ 168,000 |
| Hillsborough County New Hampshire | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Honolulu County Hawaii | 5 | $ 1,893,000 | $ 378,000 | $ 165,000 |
| Hopewell County Virginia | 1 | $ 128,000 | $ 128,000 | $ 113,000 |
| Horry County South Carolina | 6 | $ 1,159,000 | $ 193,000 | $ 193,000 |
| Howard County Maryland | 782 | $ 210,944,000 | $ 269,000 | $ 147,000 |
| Howard County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 177,000 |
| Hunterdon County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Huntingdon County Pennsylvania | 2 | $ 408,000 | $ 204,000 | $ 161,000 |
| Indian River County Florida | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Iredell County North Carolina | 1 | $ 486,000 | $ 486,000 | $ 214,000 |
| James City County Virginia | 1 | $ 290,000 | $ 290,000 | $ 135,000 |
| Jasper County South Carolina | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Jefferson County Colorado | 2 | $ 218,000 | $ 109,000 | $ 75,000 |
| Jefferson County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Jefferson County New York | 1 | $ 83,000 | $ 83,000 | $ 81,000 |
| Jefferson County Washington | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Jefferson County West Virginia | 3 | $ 881,000 | $ 293,000 | $ 84,000 |
| Johnson County Texas | 1 | $ 54,000 | $ 54,000 | $ 26,000 |
| Johnston County North Carolina | 3 | $ 626,000 | $ 208,000 | $ 58,000 |
| Kauai County Hawaii | 1 | $ 400,000 | $ 400,000 | $ 56,000 |
| Kendall County Texas | 1 | $ 201,000 | $ 201,000 | $ 111,000 |
| Kent County Delaware | 2 | $ 519,000 | $ 259,000 | $ 99,000 |
| Kent County Maryland | 1 | $ 273,000 | $ 273,000 | $ 115,000 |
| King County Washington | 5 | $ 1,045,000 | $ 209,000 | $ 98,000 |
| Lafayette County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Lafayette County Mississippi | 1 | $ 266,000 | $ 266,000 | $ 270,000 |
| Lake County Illinois | 1 | $ 292,000 | $ 292,000 | $ 236,000 |
| Lancaster County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Lancaster County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 87,000 |
| LaPorte County Indiana | 1 | $ 61,000 | $ 61,000 | $ 100,000 |
| Lawrence County Ohio | 1 | $ 120,000 | $ 120,000 | $ 62,000 |
| Lebanon County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Lee County Alabama | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Lee County Florida | 2 | $ 435,000 | $ 217,000 | $ 167,000 |
| Liberty County Georgia | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| Livingston County Michigan | 1 | $ 184,000 | $ 184,000 | $ 49,000 |
| Lorain County Ohio | 1 | $ 134,000 | $ 134,000 | $ 100,000 |
| Los Angeles County California | 2 | $ 862,000 | $ 431,000 | $ 163,000 |
| Loudon County Tennessee | 1 | $ 288,000 | $ 288,000 | $ 68,000 |
| Loudoun County Virginia | 24 | $ 7,915,000 | $ 329,000 | $ 174,000 |
| Louisa County Virginia | 1 | $ 417,000 | $ 417,000 | $ 429,000 |
| Lowndes County Mississippi | 1 | $ 329,000 | $ 329,000 | $ 174,000 |
| Lynchburg County Virginia | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Madison County Alabama | 1 | $ 389,000 | $ 389,000 | $ 158,000 |
| Manatee County Florida | 2 | $ 454,000 | $ 227,000 | $ 141,000 |
| Maricopa County Arizona | 2 | $ 292,000 | $ 146,000 | $ 137,000 |
| Marion County Florida | 1 | $ 142,000 | $ 142,000 | $ 89,000 |
| McDuffie County Georgia | 1 | $ 260,000 | $ 260,000 | $ 105,000 |
| Mecklenburg County North Carolina | 5 | $ 880,000 | $ 176,000 | $ 101,000 |
| Merrimack County New Hampshire | 1 | $ 176,000 | $ 176,000 | $ 65,000 |
| Miami County Ohio | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Miami-Dade County Florida | 2 | $ 670,000 | $ 335,000 | $ 121,000 |
| Middlesex County New Jersey | 2 | $ 388,000 | $ 194,000 | $ 180,000 |
| Mifflin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Mobile County Alabama | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Mohave County Arizona | 1 | $ 236,000 | $ 236,000 | $ 865,000 |
| Monmouth County New Jersey | 1 | $ 110,000 | $ 110,000 | $ 110,000 |
| Monroe County Indiana | 3 | $ 282,000 | $ 94,000 | $ 160,000 |
| Monroe County New York | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Montgomery County Maryland | 122 | $ 34,503,000 | $ 282,000 | $ 151,000 |
| Montgomery County Ohio | 1 | $ 100,000 | $ 100,000 | $ 137,000 |
| Montgomery County Pennsylvania | 5 | $ 1,276,000 | $ 255,000 | $ 114,000 |
| Montgomery County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Moore County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 96,000 |
| Morgan County West Virginia | 3 | $ 879,000 | $ 293,000 | $ 83,000 |
| Multnomah County Oregon | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| Nacogdoches County Texas | 1 | $ 113,000 | $ 113,000 | $ 65,000 |
| Nash County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Nevada County California | 1 | $ 756,000 | $ 756,000 | $ 222,000 |
| New Castle County Delaware | 7 | $ 1,508,000 | $ 215,000 | $ 107,000 |
| New Hanover County North Carolina | 3 | $ 648,000 | $ 216,000 | $ 91,000 |
| New Haven County Connecticut | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
| Norfolk County Virginia | 2 | $ 337,000 | $ 168,000 | $ 89,000 |
| Northampton County Virginia | 1 | $ 104,000 | $ 104,000 | $ 126,000 |
| Nueces County Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Oconee County South Carolina | 2 | $ 335,000 | $ 167,000 | $ 122,000 |
| Oneida County Wisconsin | 1 | $ 151,000 | $ 151,000 | $ 141,000 |
| Ontonagon County Michigan | 1 | $ 136,000 | $ 136,000 | $ 102,000 |
| Orange County Florida | 1 | $ 293,000 | $ 293,000 | $ 65,000 |
| Orange County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 67,000 |
| Orange County Virginia | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Orleans County Louisiana | 2 | $ 82,000 | $ 41,000 | $ 81,000 |
| Orleans County Vermont | 1 | $ 86,000 | $ 86,000 | $ 176,000 |
| Pamlico County North Carolina | 1 | $ 404,000 | $ 404,000 | $ 98,000 |
| Pasco County Florida | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Passaic County New Jersey | 1 | $ 439,000 | $ 439,000 | $ 189,000 |
| Pender County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 263,000 |
| Penobscot County Maine | 1 | $ 226,000 | $ 226,000 | $ 190,000 |
| Peoria County Illinois | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Philadelphia County Pennsylvania | 4 | $ 872,000 | $ 218,000 | $ 143,000 |
| Pierce County Washington | 2 | $ 406,000 | $ 203,000 | $ 133,000 |
| Pinellas County Florida | 4 | $ 913,000 | $ 228,000 | $ 108,000 |
| Pocahontas County West Virginia | 1 | $ 298,000 | $ 298,000 | $ 243,000 |
| Polk County Florida | 1 | $ 133,000 | $ 133,000 | $ 63,000 |
| Pottawatomie County Kansas | 1 | $ 184,000 | $ 184,000 | $ 74,000 |
| Preston County West Virginia | 3 | $ 355,000 | $ 118,000 | $ 55,000 |
| Prince George's County Maryland | 205 | $ 45,936,000 | $ 224,000 | $ 118,000 |
| Prince William County Virginia | 8 | $ 2,474,000 | $ 309,000 | $ 143,000 |
| Pulaski County Arkansas | 1 | $ 53,000 | $ 53,000 | $ 63,000 |
| Putnam County West Virginia | 1 | $ 290,000 | $ 290,000 | $ 190,000 |
| Queen Anne's County Maryland | 86 | $ 20,888,000 | $ 242,000 | $ 126,000 |
| Richland County South Carolina | 2 | $ 450,000 | $ 225,000 | $ 169,000 |
| Richmond City County Virginia | 1 | $ 17,000 | $ 17,000 | $ 108,000 |
| Riverside County California | 3 | $ 698,000 | $ 232,000 | $ 94,000 |
| Roanoke City County Virginia | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Rockingham County Virginia | 3 | $ 551,000 | $ 183,000 | $ 91,000 |
| Rockland County New York | 1 | $ 414,000 | $ 414,000 | $ 153,000 |
| Sacramento County California | 1 | $ 246,000 | $ 246,000 | $ 140,000 |
| Saginaw County Michigan | 1 | $ 18,000 | $ 18,000 | $ 157,000 |
| Salem County New Jersey | 1 | $ 70,000 | $ 70,000 | $ 74,000 |
| San Diego County California | 2 | $ 341,000 | $ 170,000 | $ 58,000 |
| San Francisco County California | 1 | $ 500,000 | $ 500,000 | $ 163,000 |
| San Luis Obispo County California | 1 | $ 101,000 | $ 101,000 | $ 185,000 |
| San Mateo County California | 1 | $ 415,000 | $ 415,000 | $ 455,000 |
| Santa Clara County California | 5 | $ 2,640,000 | $ 528,000 | $ 181,000 |
| Sarasota County Florida | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Seminole County Florida | 1 | $ 240,000 | $ 240,000 | $ 184,000 |
| Shelby County Tennessee | 1 | $ 261,000 | $ 261,000 | $ 85,000 |
| Somerset County Maryland | 1 | $ 132,000 | $ 132,000 | $ 103,000 |
| Sonoma County California | 1 | $ 93,000 | $ 93,000 | $ 76,000 |
| Spotsylvania County Virginia | 5 | $ 1,249,000 | $ 249,000 | $ 131,000 |
| St. John the Baptist County Louisiana | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| St. Johns County Florida | 5 | $ 1,286,000 | $ 257,000 | $ 86,000 |
| St. Louis City County Missouri | 1 | $ 34,000 | $ 34,000 | $ 29,000 |
| St. Louis County Missouri | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| St. Mary's County Maryland | 3 | $ 608,000 | $ 202,000 | $ 81,000 |
| Stark County Ohio | 1 | $ 123,000 | $ 123,000 | $ 36,000 |
| Steuben County New York | 1 | $ 168,000 | $ 168,000 | $ 139,000 |
| Suffolk County Massachusetts | 1 | $ 331,000 | $ 331,000 | $ 184,000 |
| Summers County West Virginia | 1 | $ 132,000 | $ 132,000 | $ 90,000 |
| Summit County Colorado | 1 | $ 276,000 | $ 276,000 | $ 119,000 |
| Sumner County Tennessee | 2 | $ 365,000 | $ 182,000 | $ 60,000 |
| Sumter County Florida | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Susquehanna County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Sussex County Delaware | 23 | $ 5,802,000 | $ 252,000 | $ 134,000 |
| Talbot County Maryland | 12 | $ 3,919,000 | $ 326,000 | $ 117,000 |
| Tarrant County Texas | 2 | $ 326,000 | $ 163,000 | $ 146,000 |
| Tom Green County Texas | 1 | $ 96,000 | $ 96,000 | $ 83,000 |
| Transylvania County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 128,000 |
| Trumbull County Ohio | 1 | $ 68,000 | $ 68,000 | $ 104,000 |
| Tyrrell County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 115,000 |
| Union County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 90,000 |
| Utah County Utah | 1 | $ 257,000 | $ 257,000 | $ 123,000 |
| Valencia County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Vance County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 70,000 |
| Vanderburgh County Indiana | 1 | $ 224,000 | $ 224,000 | $ 72,000 |
| Ventura County California | 1 | $ 496,000 | $ 496,000 | $ 87,000 |
| Volusia County Florida | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Wake County North Carolina | 10 | $ 2,715,000 | $ 271,000 | $ 112,000 |
| Walker County Alabama | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Walton County Georgia | 1 | $ 189,000 | $ 189,000 | $ 106,000 |
| Warren County Virginia | 2 | $ 345,000 | $ 172,000 | $ 107,000 |
| Washington County Maryland | 6 | $ 1,382,000 | $ 230,000 | $ 89,000 |
| Washington County Oregon | 1 | $ 203,000 | $ 203,000 | $ 51,000 |
| Washtenaw County Michigan | 1 | $ 184,000 | $ 184,000 | $ 69,000 |
| Wayne County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 102,000 |
| Wayne County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Westmoreland County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Wicomico County Maryland | 7 | $ 1,045,000 | $ 149,000 | $ 82,000 |
| Will County Illinois | 1 | $ 167,000 | $ 167,000 | $ 222,000 |
| Williamson County Texas | 2 | $ 594,000 | $ 297,000 | $ 183,000 |
| Wilson County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 162,000 |
| Worcester County Maryland | 27 | $ 5,947,000 | $ 220,000 | $ 149,000 |
| Wyoming County Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 152,000 |
| Yakima County Washington | 7 | $ 1,438,000 | $ 205,000 | $ 129,000 |
| Yavapai County Arizona | 2 | $ 268,000 | $ 134,000 | $ 129,000 |
| York County Pennsylvania | 40 | $ 7,427,000 | $ 185,000 | $ 110,000 |
| York County Virginia | 1 | $ 272,000 | $ 272,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Tower Federal Credit Union in 2009
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 | 3,628 | $901,344,000 | $248,000 | $834,000 | $132,000 | $1,689,000 |
| Home Purchase | 364 | $94,836,000 | $260,000 | $816,000 | $124,000 | $550,000 |
| Home Improvement | 189 | $7,168,000 | $37,000 | $200,000 | $109,000 | $282,000 |
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 | 2,421 | $589,840,000 | $243,000 | $834,000 | $133,000 | $1,689,000 |
| Not Provided | 1,352 | $315,152,000 | $233,000 | $834,000 | $129,000 | $521,000 |
| Black or African American | 239 | $52,558,000 | $219,000 | $743,000 | $109,000 | $315,000 |
| Asian | 79 | $23,351,000 | $295,000 | $834,000 | $140,000 | $327,000 |
| Hispanic | 66 | $16,424,000 | $248,000 | $660,000 | $124,000 | $263,000 |
| American Indian or Alaskan Native | 18 | $5,052,000 | $280,000 | $567,000 | $148,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $971,000 | $161,000 | $340,000 | $92,000 | $228,000 |
| 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) | 4,140 | $990,975,000 | $239,000 | $834,000 | $131,000 | $1,689,000 |
| VA-guaranteed (Veterans Administration) | 40 | $12,113,000 | $302,000 | $408,000 | $111,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $260,000 | $260,000 | $260,000 | $123,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 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 | 3,163 | $726,732,000 | $229,000 | $834,000 | $131,000 | $1,689,000 |
| Application Withdrawn By Applicant | 915 | $258,256,000 | $282,000 | $758,000 | $133,000 | $865,000 |
| Application Denied By Financial Institution | 93 | $16,488,000 | $177,000 | $637,000 | $90,000 | $316,000 |
| Application Approved But Not Accepted | 6 | $1,029,000 | $171,000 | $397,000 | $85,000 | $136,000 |
| File Closed For Incompleteness | 4 | $843,000 | $210,000 | $306,000 | $137,000 | $274,000 |
| 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 | 43 | $7,569,000 | $176,000 | $637,000 | $102,000 | $316,000 |
| Debt-To-Income Ratio | 36 | $6,564,000 | $182,000 | $558,000 | $74,000 | $194,000 |
| Collateral | 8 | $1,030,000 | $128,000 | $260,000 | $90,000 | $171,000 |
| Mortgage Insurance Denied | 4 | $973,000 | $243,000 | $377,000 | $136,000 | $198,000 |
| Unverifiable Information | 2 | $352,000 | $176,000 | $176,000 | $23,000 | $46,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tower Federal Credit Union's 2009 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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