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 2010
Tower Federal Credit Union 2010 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 | 2,677 |
| Total Mortgage Loan Application Amount | $640,600,000 |
| Average Mortgage Loan Application Amount | $178,333 |
| Highest Mortgage Loan Application Amount | $834,000 |
| Average Applicant Income | $126,666 |
| Highest Applicant Income | $800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 1 | $ 166,000 | $ 166,000 | $ 32,000 |
| Adams County Pennsylvania | 15 | $ 2,723,000 | $ 181,000 | $ 112,000 |
| Albemarle County Virginia | 1 | $ 446,000 | $ 446,000 | $ 238,000 |
| Allegany County Maryland | 1 | $ 119,000 | $ 119,000 | $ 120,000 |
| Allegheny County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 168,000 |
| Anchorage County Alaska | 1 | $ 278,000 | $ 278,000 | $ 136,000 |
| Anne Arundel County Maryland | 906 | $ 212,307,000 | $ 234,000 | $ 128,000 |
| Arapahoe County Colorado | 5 | $ 1,156,000 | $ 231,000 | $ 133,000 |
| Arlington County Virginia | 6 | $ 2,557,000 | $ 426,000 | $ 180,000 |
| Armstrong County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 128,000 |
| Atlantic County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 123,000 |
| Baldwin County Alabama | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Baltimore City County Maryland | 57 | $ 10,692,000 | $ 187,000 | $ 118,000 |
| Baltimore County Maryland | 219 | $ 44,666,000 | $ 203,000 | $ 118,000 |
| Barnstable County Massachusetts | 3 | $ 664,000 | $ 221,000 | $ 295,000 |
| Beaufort County South Carolina | 2 | $ 275,000 | $ 137,000 | $ 181,000 |
| Bedford County Virginia | 1 | $ 166,000 | $ 166,000 | $ 105,000 |
| Berkeley County West Virginia | 2 | $ 312,000 | $ 156,000 | $ 63,000 |
| Bernalillo County New Mexico | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Bexar County Texas | 11 | $ 2,725,000 | $ 247,000 | $ 144,000 |
| Blount County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 53,000 |
| Boone County Kentucky | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Boulder County Colorado | 1 | $ 38,000 | $ 38,000 | $ 39,000 |
| Broward County Florida | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Brunswick County North Carolina | 3 | $ 378,000 | $ 126,000 | $ 132,000 |
| Bucks County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 263,000 |
| Cabarrus County North Carolina | 1 | $ 212,000 | $ 212,000 | $ 76,000 |
| Calvert County Maryland | 10 | $ 2,840,000 | $ 284,000 | $ 149,000 |
| Cambria County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 133,000 |
| Camden County North Carolina | 1 | $ 237,000 | $ 237,000 | $ 110,000 |
| Canyon County Idaho | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Caroline County Maryland | 12 | $ 2,720,000 | $ 226,000 | $ 119,000 |
| Carroll County Maryland | 174 | $ 46,045,000 | $ 264,000 | $ 141,000 |
| Carroll County New Hampshire | 1 | $ 172,000 | $ 172,000 | $ 68,000 |
| Catawba County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Cecil County Maryland | 1 | $ 102,000 | $ 102,000 | $ 55,000 |
| Centre County Pennsylvania | 1 | $ 177,000 | $ 177,000 | $ 62,000 |
| Charles County Maryland | 3 | $ 732,000 | $ 244,000 | $ 107,000 |
| Chatham County Georgia | 1 | $ 127,000 | $ 127,000 | $ 200,000 |
| Chenango County New York | 1 | $ 120,000 | $ 120,000 | $ 222,000 |
| Chester County Pennsylvania | 1 | $ 308,000 | $ 308,000 | $ 106,000 |
| Chesterfield County Virginia | 2 | $ 370,000 | $ 185,000 | $ 152,000 |
| Chittenden County Vermont | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Clark County Nevada | 2 | $ 222,000 | $ 111,000 | $ 67,000 |
| Clay County Florida | 1 | $ 288,000 | $ 288,000 | $ 166,000 |
| Clinton County Illinois | 1 | $ 92,000 | $ 92,000 | $ 68,000 |
| Cochise County Arizona | 2 | $ 243,000 | $ 121,000 | $ 67,000 |
| Collier County Florida | 1 | $ 112,000 | $ 112,000 | $ 195,000 |
| Columbia County Georgia | 10 | $ 1,955,000 | $ 195,000 | $ 123,000 |
| Comal County Texas | 2 | $ 329,000 | $ 164,000 | $ 110,000 |
| Cook County Illinois | 3 | $ 765,000 | $ 255,000 | $ 122,000 |
| Cook County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Cumberland County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Currituck County North Carolina | 1 | $ 347,000 | $ 347,000 | $ 452,000 |
| Dale County Alabama | 1 | $ 130,000 | $ 130,000 | $ 168,000 |
| Dallas County Texas | 2 | $ 552,000 | $ 276,000 | $ 170,000 |
| Dare County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 122,000 |
| Dauphin County Pennsylvania | 2 | $ 265,000 | $ 132,000 | $ 98,000 |
| DeKalb County Georgia | 1 | $ 354,000 | $ 354,000 | $ 102,000 |
| Delaware County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 205,000 |
| Denton County Texas | 1 | $ 227,000 | $ 227,000 | $ 125,000 |
| Denver County Colorado | 1 | $ 250,000 | $ 250,000 | $ 101,000 |
| District of Columbia County District Of Columbia | 13 | $ 5,034,000 | $ 387,000 | $ 161,000 |
| Dorchester County Maryland | 4 | $ 809,000 | $ 202,000 | $ 103,000 |
| Dorchester County South Carolina | 2 | $ 269,000 | $ 134,000 | $ 104,000 |
| Douglas County Colorado | 3 | $ 498,000 | $ 166,000 | $ 128,000 |
| Douglas County Minnesota | 1 | $ 417,000 | $ 417,000 | $ 307,000 |
| Douglas County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Dutchess County New York | 1 | $ 333,000 | $ 333,000 | $ 162,000 |
| Duval County Florida | 1 | $ 63,000 | $ 63,000 | $ 175,000 |
| Eagle County Colorado | 2 | $ 1,200,000 | $ 600,000 | $ 371,000 |
| Eddy County New Mexico | 1 | $ 148,000 | $ 148,000 | $ 81,000 |
| El Paso County Colorado | 3 | $ 700,000 | $ 233,000 | $ 127,000 |
| Elbert County Colorado | 3 | $ 814,000 | $ 271,000 | $ 150,000 |
| Elko County Nevada | 1 | $ 79,000 | $ 79,000 | $ 55,000 |
| Erie County New York | 1 | $ 168,000 | $ 168,000 | $ 108,000 |
| Erie County Pennsylvania | 1 | $ 312,000 | $ 312,000 | $ 127,000 |
| Essex County Massachusetts | 1 | $ 394,000 | $ 394,000 | $ 207,000 |
| Fairfax County Virginia | 18 | $ 6,111,000 | $ 339,000 | $ 151,000 |
| Falls Church County Virginia | 2 | $ 584,000 | $ 292,000 | $ 162,000 |
| Flagler County Florida | 2 | $ 297,000 | $ 148,000 | $ 41,000 |
| Floyd County Indiana | 1 | $ 190,000 | $ 190,000 | $ 106,000 |
| Franklin County Massachusetts | 2 | $ 788,000 | $ 394,000 | $ 113,000 |
| Franklin County Pennsylvania | 4 | $ 505,000 | $ 126,000 | $ 73,000 |
| Franklin County Virginia | 1 | $ 804,000 | $ 804,000 | $ 337,000 |
| Frederick County Maryland | 29 | $ 6,868,000 | $ 236,000 | $ 131,000 |
| Fulton County Georgia | 1 | $ 400,000 | $ 400,000 | $ 225,000 |
| Garrett County Maryland | 4 | $ 763,000 | $ 190,000 | $ 154,000 |
| Grafton County New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Greenville County South Carolina | 1 | $ 152,000 | $ 152,000 | $ 77,000 |
| Guilford County North Carolina | 2 | $ 403,000 | $ 201,000 | $ 102,000 |
| Hampshire County West Virginia | 3 | $ 273,000 | $ 91,000 | $ 72,000 |
| Hancock County Maine | 1 | $ 301,000 | $ 301,000 | $ 126,000 |
| Harford County Maryland | 38 | $ 10,861,000 | $ 285,000 | $ 161,000 |
| Harrisonburg County Virginia | 1 | $ 105,000 | $ 105,000 | $ 189,000 |
| Hartford County Connecticut | 1 | $ 227,000 | $ 227,000 | $ 113,000 |
| Henderson County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 106,000 |
| Hennepin County Minnesota | 1 | $ 109,000 | $ 109,000 | $ 168,000 |
| Henry County Georgia | 1 | $ 117,000 | $ 117,000 | $ 100,000 |
| Hernando County Florida | 2 | $ 207,000 | $ 103,000 | $ 36,000 |
| Hillsborough County Florida | 2 | $ 138,000 | $ 69,000 | $ 111,000 |
| Hillsborough County New Hampshire | 1 | $ 109,000 | $ 109,000 | $ 52,000 |
| Honolulu County Hawaii | 2 | $ 797,000 | $ 398,000 | $ 146,000 |
| Horry County South Carolina | 5 | $ 685,000 | $ 137,000 | $ 89,000 |
| Howard County Maryland | 526 | $ 138,909,000 | $ 264,000 | $ 150,000 |
| Humboldt County California | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Indian River County Florida | 1 | $ 113,000 | $ 113,000 | $ 64,000 |
| Jackson County Georgia | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Jefferson County Colorado | 2 | $ 341,000 | $ 170,000 | $ 257,000 |
| Jefferson County West Virginia | 2 | $ 496,000 | $ 248,000 | $ 223,000 |
| Johnston County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 126,000 |
| Kent County Delaware | 4 | $ 555,000 | $ 138,000 | $ 83,000 |
| Kent County Maryland | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| King George County Virginia | 1 | $ 189,000 | $ 189,000 | $ 66,000 |
| Knox County Tennessee | 2 | $ 420,000 | $ 210,000 | $ 187,000 |
| Lancaster County Virginia | 1 | $ 417,000 | $ 417,000 | $ 274,000 |
| Lane County Oregon | 1 | $ 169,000 | $ 169,000 | $ 75,000 |
| Lassen County California | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Lee County Florida | 2 | $ 194,000 | $ 97,000 | $ 134,000 |
| Livingston County Michigan | 1 | $ 144,000 | $ 144,000 | $ 107,000 |
| Los Angeles County California | 1 | $ 450,000 | $ 450,000 | $ 278,000 |
| Loudoun County Virginia | 12 | $ 4,237,000 | $ 353,000 | $ 177,000 |
| Louisa County Virginia | 3 | $ 437,000 | $ 145,000 | $ 110,000 |
| Lowndes County Georgia | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
| Luzerne County Pennsylvania | 2 | $ 546,000 | $ 273,000 | $ 110,000 |
| Lyon County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 85,000 |
| Madison County Alabama | 1 | $ 142,000 | $ 142,000 | $ 126,000 |
| Madison County Illinois | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Madison County Virginia | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Manassas County Virginia | 1 | $ 210,000 | $ 210,000 | $ 209,000 |
| Manatee County Florida | 2 | $ 417,000 | $ 208,000 | $ 194,000 |
| Maricopa County Arizona | 5 | $ 862,000 | $ 172,000 | $ 148,000 |
| Marin County California | 1 | $ 417,000 | $ 417,000 | $ 95,000 |
| Marion County Florida | 3 | $ 320,000 | $ 106,000 | $ 70,000 |
| Mecklenburg County North Carolina | 4 | $ 455,000 | $ 113,000 | $ 95,000 |
| Medina County Ohio | 1 | $ 208,000 | $ 208,000 | $ 71,000 |
| Middlesex County Massachusetts | 2 | $ 264,000 | $ 132,000 | $ 201,000 |
| Monmouth County New Jersey | 4 | $ 1,222,000 | $ 305,000 | $ 113,000 |
| Monroe County Indiana | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Monroe County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 240,000 |
| Monterey County California | 1 | $ 390,000 | $ 390,000 | $ 274,000 |
| Montgomery County Kansas | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Montgomery County Maryland | 78 | $ 21,650,000 | $ 277,000 | $ 142,000 |
| Montgomery County Ohio | 1 | $ 133,000 | $ 133,000 | $ 96,000 |
| Montgomery County Pennsylvania | 1 | $ 306,000 | $ 306,000 | $ 120,000 |
| Montgomery County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 91,000 |
| Montgomery County Virginia | 1 | $ 100,000 | $ 100,000 | $ 143,000 |
| Multnomah County Oregon | 2 | $ 398,000 | $ 199,000 | $ 113,000 |
| Nassau County New York | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| New Castle County Delaware | 2 | $ 593,000 | $ 296,000 | $ 191,000 |
| New Hanover County North Carolina | 3 | $ 694,000 | $ 231,000 | $ 131,000 |
| Newport County Rhode Island | 1 | $ 340,000 | $ 340,000 | $ 160,000 |
| Olmsted County Minnesota | 1 | $ 638,000 | $ 638,000 | $ 524,000 |
| Onondaga County New York | 3 | $ 333,000 | $ 111,000 | $ 87,000 |
| Orange County Florida | 2 | $ 289,000 | $ 144,000 | $ 89,000 |
| Orange County North Carolina | 1 | $ 344,000 | $ 344,000 | $ 101,000 |
| Osceola County Florida | 1 | $ 90,000 | $ 90,000 | $ 74,000 |
| Pamlico County North Carolina | 1 | $ 294,000 | $ 294,000 | $ 156,000 |
| Pasco County Florida | 2 | $ 381,000 | $ 190,000 | $ 185,000 |
| Pender County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 165,000 |
| Pendleton County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 136,000 |
| Philadelphia County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Pima County Arizona | 4 | $ 622,000 | $ 155,000 | $ 98,000 |
| Polk County Florida | 3 | $ 379,000 | $ 126,000 | $ 80,000 |
| Portsmouth County Virginia | 1 | $ 132,000 | $ 132,000 | $ 173,000 |
| Prince George's County Maryland | 120 | $ 25,549,000 | $ 212,000 | $ 137,000 |
| Prince William County Virginia | 1 | $ 400,000 | $ 400,000 | $ 144,000 |
| Putnam County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Queen Anne's County Maryland | 27 | $ 9,023,000 | $ 334,000 | $ 174,000 |
| Richland County South Carolina | 2 | $ 267,000 | $ 133,000 | $ 86,000 |
| Riverside County California | 1 | $ 220,000 | $ 220,000 | $ 210,000 |
| Rockingham County Virginia | 2 | $ 352,000 | $ 176,000 | $ 114,000 |
| Rockland County New York | 1 | $ 417,000 | $ 417,000 | $ 152,000 |
| San Bernardino County California | 1 | $ 122,000 | $ 122,000 | $ 132,000 |
| San Diego County California | 2 | $ 903,000 | $ 451,000 | $ 208,000 |
| San Mateo County California | 3 | $ 822,000 | $ 274,000 | $ 90,000 |
| Santa Clara County California | 3 | $ 2,421,000 | $ 807,000 | $ 411,000 |
| Sarasota County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 154,000 |
| Sauk County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 244,000 |
| Seminole County Florida | 1 | $ 117,000 | $ 117,000 | $ 38,000 |
| Sevier County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Somerset County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 115,000 |
| Spartanburg County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 57,000 |
| Spotsylvania County Virginia | 2 | $ 542,000 | $ 271,000 | $ 126,000 |
| St. Johns County Florida | 2 | $ 738,000 | $ 369,000 | $ 156,000 |
| St. Louis County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| St. Mary's County Maryland | 2 | $ 430,000 | $ 215,000 | $ 109,000 |
| Stafford County Virginia | 4 | $ 704,000 | $ 176,000 | $ 127,000 |
| Sullivan County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 92,000 |
| Sumter County Florida | 2 | $ 834,000 | $ 417,000 | $ 188,000 |
| Sussex County Delaware | 18 | $ 4,846,000 | $ 269,000 | $ 165,000 |
| Sussex County New Jersey | 1 | $ 348,000 | $ 348,000 | $ 231,000 |
| Talbot County Maryland | 8 | $ 2,338,000 | $ 292,000 | $ 131,000 |
| Tom Green County Texas | 1 | $ 224,000 | $ 224,000 | $ 133,000 |
| Transylvania County North Carolina | 2 | $ 467,000 | $ 233,000 | $ 105,000 |
| Travis County Texas | 1 | $ 181,000 | $ 181,000 | $ 86,000 |
| Trempealeau County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 120,000 |
| Tulsa County Oklahoma | 1 | $ 118,000 | $ 118,000 | $ 104,000 |
| Union County Georgia | 1 | $ 161,000 | $ 161,000 | $ 248,000 |
| Union County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 42,000 |
| Union County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 207,000 |
| Utah County Utah | 2 | $ 512,000 | $ 256,000 | $ 84,000 |
| Vance County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 109,000 |
| Volusia County Florida | 1 | $ 234,000 | $ 234,000 | $ 190,000 |
| Wake County North Carolina | 3 | $ 380,000 | $ 126,000 | $ 88,000 |
| Washington County Maryland | 4 | $ 739,000 | $ 184,000 | $ 77,000 |
| Washington County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 51,000 |
| Washington County Virginia | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| Westmoreland County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 152,000 |
| Wicomico County Maryland | 5 | $ 587,000 | $ 117,000 | $ 176,000 |
| Will County Illinois | 1 | $ 252,000 | $ 252,000 | $ 115,000 |
| Williamson County Texas | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Wilson County Tennessee | 1 | $ 324,000 | $ 324,000 | $ 84,000 |
| Windham County Connecticut | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Worcester County Maryland | 16 | $ 3,563,000 | $ 222,000 | $ 192,000 |
| Worcester County Massachusetts | 1 | $ 263,000 | $ 263,000 | $ 131,000 |
| Yakima County Washington | 7 | $ 1,395,000 | $ 199,000 | $ 117,000 |
| Yancey County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 116,000 |
| Yavapai County Arizona | 1 | $ 148,000 | $ 148,000 | $ 103,000 |
| York County Maine | 1 | $ 120,000 | $ 120,000 | $ 127,000 |
| York County Pennsylvania | 35 | $ 6,144,000 | $ 175,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Tower Federal Credit Union in 2010
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 | 2,291 | $558,670,000 | $243,000 | $834,000 | $137,000 | $800,000 |
| Home Purchase | 312 | $78,901,000 | $252,000 | $780,000 | $122,000 | $452,000 |
| Home Improvement | 74 | $3,029,000 | $40,000 | $228,000 | $121,000 | $269,000 |
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 | 1,437 | $344,339,000 | $239,000 | $834,000 | $138,000 | $710,000 |
| Not Provided | 1,032 | $246,863,000 | $239,000 | $834,000 | $135,000 | $800,000 |
| Black or African American | 117 | $27,529,000 | $235,000 | $703,000 | $124,000 | $340,000 |
| Asian | 43 | $10,703,000 | $248,000 | $617,000 | $121,000 | $278,000 |
| Hispanic | 33 | $8,203,000 | $248,000 | $708,000 | $114,000 | $303,000 |
| American Indian or Alaskan Native | 10 | $1,976,000 | $197,000 | $404,000 | $116,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $987,000 | $197,000 | $265,000 | $91,000 | $182,000 |
| 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) | 2,648 | $632,052,000 | $238,000 | $834,000 | $135,000 | $800,000 |
| VA-guaranteed (Veterans Administration) | 29 | $8,548,000 | $294,000 | $413,000 | $112,000 | $283,000 |
| 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 | 1,926 | $440,997,000 | $228,000 | $828,000 | $137,000 | $800,000 |
| Application Withdrawn By Applicant | 727 | $193,959,000 | $266,000 | $834,000 | $130,000 | $710,000 |
| Application Denied By Financial Institution | 23 | $5,359,000 | $233,000 | $480,000 | $133,000 | $303,000 |
| Application Approved But Not Accepted | 1 | $285,000 | $285,000 | $285,000 | $103,000 | $103,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 9 | $1,602,000 | $178,000 | $459,000 | $106,000 | $205,000 |
| Credit History | 8 | $2,499,000 | $312,000 | $480,000 | $122,000 | $170,000 |
| Collateral | 3 | $660,000 | $220,000 | $398,000 | $231,000 | $303,000 |
| Mortgage Insurance Denied | 2 | $427,000 | $213,000 | $404,000 | $198,000 | $233,000 |
| Unverifiable Information | 1 | $171,000 | $171,000 | $171,000 | $47,000 | $47,000 |
| 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 2010 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.
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