Achieva Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Achieva Credit Union of Dunedin, FL reported 2,801 mortgage applications totaling $384.3 million, down 8% from 2021. The average application was for $137,213, and applicants reported an average income of $123,857. 61% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (1,435), North Port-Sarasota-Bradenton, FL (700) and Cape Coral-Fort Myers, FL (204) (applications in parentheses).
| Mortgage Company & Address | Achieva Credit Union 1659 Virginia St Dunedin, FL 34698 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 2,801 |
| Total Mortgage Loan Application Amount | $384,335,000 |
| Average Mortgage Loan Application Amount | $137,213 |
| Highest Mortgage Loan Application Amount | $2,525,000 |
| Average Applicant Income | $123,857 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Achieva Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 1,435 | $ 157,805,000 | $ 109,968 | $ 122,000 |
| North Port-Sarasota-Bradenton, FL | 700 | $ 86,760,000 | $ 123,942 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 204 | $ 31,680,000 | $ 155,294 | $ 167,000 |
| Punta Gorda, FL | 157 | $ 28,495,000 | $ 181,496 | $ 147,000 |
| Naples-Immokalee-Marco Island, FL | 19 | $ 3,945,000 | $ 207,631 | $ 141,000 |
| Lakeland-Winter Haven, FL | 16 | $ 1,760,000 | $ 110,000 | $ 97,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 3,585,000 | $ 275,769 | $ 164,000 |
| Outside any metro area | 12 | $ 1,700,000 | $ 141,666 | $ 108,750 |
| Homosassa Springs, FL | 9 | $ 695,000 | $ 77,222 | $ 90,000 |
| Jacksonville, FL | 4 | $ 1,160,000 | $ 290,000 | $ 169,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 565,000 | $ 188,333 | $ 280,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 760,000 | $ 380,000 | $ 102,000 |
| Gainesville, FL | 2 | $ 320,000 | $ 160,000 | $ 161,000 |
| Port St. Lucie, FL | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Sebring, FL | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Tallahassee, FL | 2 | $ 380,000 | $ 190,000 | $ 105,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 200,000 | $ 100,000 | $ 89,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Macon-Bibb County, GA | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 255,000 | $ 255,000 | $ 315,000 |
| Montgomery, AL | 1 | $ 5,000 | $ 5,000 | $ 125,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| The Villages, FL | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Achieva Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,293 | $114,625,000 | $88,000 | $915,000 | $125,000 | $9,999,000 |
| Other Purpose | 780 | $75,770,000 | $97,000 | $1,005,000 | $135,000 | $9,999,000 |
| Home Purchase | 360 | $111,560,000 | $309,000 | $1,005,000 | $112,000 | $1,730,000 |
| Cash-out Refinancing | 209 | $35,525,000 | $169,000 | $995,000 | $94,000 | $458,000 |
| Refinancing | 159 | $46,855,000 | $294,000 | $2,525,000 | $126,000 | $806,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,070 | $290,230,000 | $140,000 | $2,525,000 | $121,000 | $9,999,000 |
| Not Provided | 329 | $45,815,000 | $139,000 | $1,005,000 | $110,000 | $610,000 |
| Hispanic | 201 | $22,415,000 | $111,000 | $675,000 | $101,000 | $500,000 |
| Black or African American | 126 | $13,270,000 | $105,000 | $565,000 | $167,000 | $9,999,000 |
| Asian | 34 | $5,280,000 | $155,000 | $605,000 | $108,000 | $361,000 |
| American Indian or Alaskan Native | 9 | $745,000 | $82,000 | $155,000 | $82,000 | $224,000 |
| Not applicable | 4 | $2,140,000 | $535,000 | $765,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $44,000 | $44,000 |
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) | 2,787 | $381,395,000 | $136,000 | $2,525,000 | $124,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,610,000 | $217,000 | $345,000 | $77,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 2 | $330,000 | $165,000 | $245,000 | $37,000 | $39,000 |
| 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 | 1,719 | $210,175,000 | $122,000 | $1,445,000 | $117,000 | $819,000 |
| Application Denied By Financial Institution | 642 | $81,350,000 | $126,000 | $2,525,000 | $161,000 | $9,999,000 |
| Application Approved But Not Accepted | 168 | $15,260,000 | $90,000 | $645,000 | $97,000 | $500,000 |
| Preapproval Approved but not Accepted | 142 | $43,040,000 | $303,000 | $915,000 | $107,000 | $600,000 |
| Preapproval Denied by Financial Institution | 68 | $20,570,000 | $302,000 | $1,005,000 | $69,000 | $372,000 |
| Application Withdrawn By Applicant | 62 | $13,940,000 | $224,000 | $805,000 | $109,000 | $806,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,091 | $282,415,000 | $135,000 | $1,445,000 | $114,000 | $819,000 |
| Debt-To-Income Ratio | 307 | $46,775,000 | $152,000 | $2,525,000 | $78,000 | $4,258,000 |
| Credit History | 156 | $18,410,000 | $118,000 | $885,000 | $246,000 | $9,999,000 |
| Other | 97 | $13,975,000 | $144,000 | $1,005,000 | $255,000 | $9,999,000 |
| Collateral | 75 | $8,395,000 | $111,000 | $895,000 | $124,000 | $400,000 |
| Credit Application Incomplete | 39 | $5,765,000 | $147,000 | $1,005,000 | $183,000 | $1,600,000 |
| Employment History | 18 | $3,350,000 | $186,000 | $605,000 | $113,000 | $371,000 |
| Unverifiable Information | 13 | $3,625,000 | $278,000 | $995,000 | $122,000 | $270,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,625,000 | $325,000 | $795,000 | $93,000 | $211,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Achieva Credit Union's 2022 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 Achieva 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About