Alliant Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Alliant Credit Union of Chicago, IL reported 2,230 mortgage applications totaling $921.2 million, up 5% from 2011. The average application was for $413,082, and applicants reported an average income of $185,078. 63% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (931), Denver-Aurora-Broomfield, CO (127) and Lake County-Kenosha County, IL-WI (90) (applications in parentheses).

Mortgage Company & Address Alliant Credit Union
11545 W Touhy
Chicago, IL 60666
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 2,230
Total Mortgage Loan Application Amount $921,174,000
Average Mortgage Loan Application Amount $413,082
Highest Mortgage Loan Application Amount $8,850,000
Average Applicant Income $185,078
Highest Applicant Income $4,136,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alliant Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Alliant 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
Cook, Illinois 707 $ 361,408,000 $ 511,185 $ 248,000
DuPage, Illinois 125 $ 65,058,000 $ 520,464 $ 232,000
Lake, Illinois 88 $ 52,693,000 $ 598,784 $ 293,000
Los Angeles, California 51 $ 19,153,000 $ 375,549 $ 151,000
Kane, Illinois 44 $ 15,153,000 $ 344,386 $ 160,000
Maricopa, Arizona 38 $ 8,341,000 $ 219,500 $ 115,000
San Mateo, California 36 $ 15,546,000 $ 431,833 $ 134,000
Will, Illinois 32 $ 13,981,000 $ 436,906 $ 225,000
Alameda, California 31 $ 10,708,000 $ 345,419 $ 125,000
Douglas, Colorado 28 $ 9,457,000 $ 337,750 $ 121,000
Orange, California 27 $ 12,514,000 $ 463,481 $ 159,000
Arapahoe, Colorado 27 $ 6,930,000 $ 256,666 $ 123,000
Contra Costa, California 25 $ 11,281,000 $ 451,240 $ 162,000
King, Washington 25 $ 7,445,000 $ 297,800 $ 139,000
Santa Clara, California 24 $ 11,045,000 $ 460,208 $ 160,000
Denver, Colorado 24 $ 8,538,000 $ 355,750 $ 151,000
Jefferson, Colorado 24 $ 7,835,000 $ 326,458 $ 130,000
Boulder, Colorado 23 $ 9,800,000 $ 426,086 $ 156,000
McHenry, Illinois 22 $ 5,681,000 $ 258,227 $ 137,000
Middlesex, Massachusetts 21 $ 8,234,000 $ 392,095 $ 158,000
Harris, Texas 21 $ 5,296,000 $ 252,190 $ 137,000
San Francisco, California 20 $ 8,438,000 $ 421,900 $ 121,000
Loudoun, Virginia 20 $ 5,607,000 $ 280,350 $ 134,000
Honolulu, Hawaii 19 $ 6,148,000 $ 323,578 $ 111,000
Marin, California 18 $ 9,702,000 $ 539,000 $ 149,000
Adams, Colorado 18 $ 3,271,000 $ 181,722 $ 79,000
San Diego, California 16 $ 7,955,000 $ 497,187 $ 218,000
Riverside, California 15 $ 3,448,000 $ 229,866 $ 84,000
Suffolk, Massachusetts 14 $ 6,758,000 $ 482,714 $ 210,000
Norfolk, Massachusetts 13 $ 8,312,000 $ 639,384 $ 219,000
Broward, Florida 12 $ 2,855,000 $ 237,916 $ 108,000
Clark, Nevada 11 $ 2,114,000 $ 192,181 $ 92,000
Larimer, Colorado 10 $ 3,098,000 $ 309,800 $ 126,000
Montgomery, Texas 10 $ 4,194,000 $ 419,400 $ 316,000
San Bernardino, California 8 $ 3,105,000 $ 388,125 $ 116,000
Prince William, Virginia 8 $ 1,791,000 $ 223,875 $ 101,000
El Paso, Colorado 7 $ 2,488,000 $ 355,428 $ 120,000
Pima, Arizona 6 $ 1,642,000 $ 273,666 $ 89,000
Fairfield, Connecticut 6 $ 4,214,000 $ 702,333 $ 201,000
Collier, Florida 6 $ 1,889,000 $ 314,833 $ 172,000
Fulton, Georgia 6 $ 2,792,000 $ 465,333 $ 170,000
Montgomery, Maryland 6 $ 3,363,000 $ 560,500 $ 179,000
Suffolk, New York 6 $ 1,190,000 $ 198,333 $ 102,000
Travis, Texas 6 $ 1,482,000 $ 247,000 $ 136,000
Pierce, Washington 6 $ 1,131,000 $ 188,500 $ 87,000
Sonoma, California 5 $ 1,521,000 $ 304,200 $ 155,000
Ventura, California 5 $ 1,882,000 $ 376,400 $ 119,000
Summit, Colorado 5 $ 2,835,000 $ 567,000 $ 446,000
Pinellas, Florida 5 $ 959,000 $ 191,800 $ 83,000
Cobb, Georgia 5 $ 1,122,000 $ 224,400 $ 129,000
Hennepin, Minnesota 5 $ 2,047,000 $ 409,400 $ 200,000
Union, New Jersey 5 $ 1,630,000 $ 326,000 $ 111,000
New York, New York 5 $ 3,191,000 $ 638,200 $ 215,000
Wake, North Carolina 5 $ 1,461,000 $ 292,200 $ 159,000
Bucks, Pennsylvania 5 $ 1,667,000 $ 333,400 $ 184,000
Lancaster, Pennsylvania 5 $ 463,000 $ 92,600 $ 54,000
Dallas, Texas 5 $ 1,752,000 $ 350,400 $ 180,000
Arlington, Virginia 5 $ 2,476,000 $ 495,200 $ 147,000
Pinal, Arizona 4 $ 514,000 $ 128,500 $ 43,000
Sacramento, California 4 $ 832,000 $ 208,000 $ 93,000
Miami-Dade, Florida 4 $ 828,000 $ 207,000 $ 162,000
Sarasota, Florida 4 $ 678,000 $ 169,500 $ 82,000
Hamilton, Indiana 4 $ 990,000 $ 247,500 $ 81,000
Porter, Indiana 4 $ 1,632,000 $ 408,000 $ 225,000
Washoe, Nevada 4 $ 1,146,000 $ 286,500 $ 188,000
Mecklenburg, North Carolina 4 $ 1,908,000 $ 477,000 $ 141,000
Beaver, Pennsylvania 4 $ 912,000 $ 228,000 $ 87,000
Fairfax, Virginia 4 $ 782,000 $ 195,500 $ 94,000
Frederick, Virginia 4 $ 1,370,000 $ 342,500 $ 131,000
Benton, Arkansas 3 $ 567,000 $ 189,000 $ 99,000
El Dorado, California 3 $ 1,660,000 $ 553,333 $ 283,000
San Luis Obispo, California 3 $ 1,488,000 $ 496,000 $ 204,000
Solano, California 3 $ 560,000 $ 186,666 $ 132,000
Elbert, Colorado 3 $ 1,470,000 $ 490,000 $ 160,000
Routt, Colorado 3 $ 1,666,000 $ 555,333 $ 211,000
Weld, Colorado 3 $ 367,000 $ 122,333 $ 48,000
Palm Beach, Florida 3 $ 578,000 $ 192,666 $ 65,000
Seminole, Florida 3 $ 622,000 $ 207,333 $ 96,000
Hawaii, Hawaii 3 $ 873,000 $ 291,000 $ 65,000
Livingston, Illinois 3 $ 392,000 $ 130,666 $ 64,000
Anne Arundel, Maryland 3 $ 885,000 $ 295,000 $ 89,000
Essex, New Jersey 3 $ 846,000 $ 282,000 $ 139,000
Morris, New Jersey 3 $ 1,486,000 $ 495,333 $ 162,000
Nassau, New York 3 $ 548,000 $ 182,666 $ 147,000
Multnomah, Oregon 3 $ 443,000 $ 147,666 $ 84,000
Berks, Pennsylvania 3 $ 541,000 $ 180,333 $ 161,000
Chester, Pennsylvania 3 $ 894,000 $ 298,000 $ 239,000
Dauphin, Pennsylvania 3 $ 441,000 $ 147,000 $ 156,000
Charleston, South Carolina 3 $ 751,000 $ 250,333 $ 87,000
Shelby, Tennessee 3 $ 442,000 $ 147,333 $ 81,000
Denton, Texas 3 $ 1,114,000 $ 371,333 $ 173,000
Tarrant, Texas 3 $ 465,000 $ 155,000 $ 152,000
Stafford, Virginia 3 $ 997,000 $ 332,333 $ 162,000
Clark, Washington 3 $ 876,000 $ 292,000 $ 83,000
Jefferson, Washington 3 $ 377,000 $ 125,666 $ 99,000
Snohomish, Washington 3 $ 1,026,000 $ 342,000 $ 93,000
Anchorage, Alaska 2 $ 1,457,000 $ 728,500 $ 244,000
Yavapai, Arizona 2 $ 146,000 $ 73,000 $ 76,000
Butte, California 2 $ 218,000 $ 109,000 $ 102,000
Calaveras, California 2 $ 316,000 $ 158,000 $ 87,000
San Joaquin, California 2 $ 552,000 $ 276,000 $ 113,000
Broomfield, Colorado 2 $ 601,000 $ 300,500 $ 149,000
Hartford, Connecticut 2 $ 717,000 $ 358,500 $ 126,000
New Castle, Delaware 2 $ 370,000 $ 185,000 $ 65,000
District of Columbia, District Of Columbia 2 $ 598,000 $ 299,000 $ 120,000
Alachua, Florida 2 $ 366,000 $ 183,000 $ 82,000
Charlotte, Florida 2 $ 609,000 $ 304,500 $ 89,000
Hillsborough, Florida 2 $ 624,000 $ 312,000 $ 299,000
Indian River, Florida 2 $ 300,000 $ 150,000 $ 108,000
Lee, Florida 2 $ 760,000 $ 380,000 $ 253,000
Marion, Florida 2 $ 170,000 $ 85,000 $ 33,000
Martin, Florida 2 $ 1,238,000 $ 619,000 $ 157,000
Monroe, Florida 2 $ 1,030,000 $ 515,000 $ 211,000
Santa Rosa, Florida 2 $ 902,000 $ 451,000 $ 183,000
Volusia, Florida 2 $ 374,000 $ 187,000 $ 70,000
Boone, Illinois 2 $ 386,000 $ 193,000 $ 109,000
Champaign, Illinois 2 $ 690,000 $ 345,000 $ 217,000
Sangamon, Illinois 2 $ 1,350,000 $ 675,000 $ 0
Hendricks, Indiana 2 $ 231,000 $ 115,500 $ 65,000
Marion, Indiana 2 $ 177,000 $ 88,500 $ 69,000
Sedgwick, Kansas 2 $ 216,000 $ 108,000 $ 109,000
Daviess, Kentucky 2 $ 377,000 $ 188,500 $ 99,000
Mercer, Kentucky 2 $ 172,000 $ 86,000 $ 59,000
Talbot, Maryland 2 $ 1,383,000 $ 691,500 $ 237,000
Plymouth, Massachusetts 2 $ 1,202,000 $ 601,000 $ 244,000
Berrien, Michigan 2 $ 469,000 $ 234,500 $ 191,000
Macomb, Michigan 2 $ 404,000 $ 202,000 $ 109,000
Dakota, Minnesota 2 $ 469,000 $ 234,500 $ 129,000
Washington, Minnesota 2 $ 339,000 $ 169,500 $ 135,000
St. Louis City, Missouri 2 $ 236,000 $ 118,000 $ 74,000
Bergen, New Jersey 2 $ 992,000 $ 496,000 $ 119,000
Hudson, New Jersey 2 $ 1,230,000 $ 615,000 $ 233,000
Hunterdon, New Jersey 2 $ 940,000 $ 470,000 $ 175,000
Somerset, New Jersey 2 $ 1,600,000 $ 800,000 $ 379,000
Santa Fe, New Mexico 2 $ 555,000 $ 277,500 $ 49,000
Buncombe, North Carolina 2 $ 405,000 $ 202,500 $ 131,000
Carteret, North Carolina 2 $ 515,000 $ 257,500 $ 80,000
Catawba, North Carolina 2 $ 4,660,000 $ 2,330,000 $ 22,000
Durham, North Carolina 2 $ 779,000 $ 389,500 $ 165,000
Orange, North Carolina 2 $ 1,184,000 $ 592,000 $ 223,000
Horry, South Carolina 2 $ 460,000 $ 230,000 $ 94,000
Knox, Tennessee 2 $ 174,000 $ 87,000 $ 62,000
Williamson, Tennessee 2 $ 333,000 $ 166,500 $ 67,000
Fort Bend, Texas 2 $ 575,000 $ 287,500 $ 100,000
Bedford, Virginia 2 $ 255,000 $ 127,500 $ 51,000
Fauquier, Virginia 2 $ 720,000 $ 360,000 $ 143,000
Rockingham, Virginia 2 $ 409,000 $ 204,500 $ 81,000
Kitsap, Washington 2 $ 498,000 $ 249,000 $ 110,000
Mason, Washington 2 $ 566,000 $ 283,000 $ 134,000
Spokane, Washington 2 $ 386,000 $ 193,000 $ 76,000
Whatcom, Washington 2 $ 1,234,000 $ 617,000 $ 147,000
Jefferson, West Virginia 2 $ 493,000 $ 246,500 $ 67,000
Dane, Wisconsin 2 $ 768,000 $ 384,000 $ 181,000
Kenosha, Wisconsin 2 $ 426,000 $ 213,000 $ 118,000
Milwaukee, Wisconsin 2 $ 793,000 $ 396,500 $ 202,000
Ozaukee, Wisconsin 2 $ 1,406,000 $ 703,000 $ 256,000
Waukesha, Wisconsin 2 $ 1,700,000 $ 850,000 $ 394,000
Baldwin, Alabama 1 $ 320,000 $ 320,000 $ 150,000
Montgomery, Alabama 1 $ 380,000 $ 380,000 $ 345,000
Coconino, Arizona 1 $ 112,000 $ 112,000 $ 76,000
Gila, Arizona 1 $ 174,000 $ 174,000 $ 94,000
Pulaski, Arkansas 1 $ 228,000 $ 228,000 $ 116,000
Fresno, California 1 $ 106,000 $ 106,000 $ 63,000
Kern, California 1 $ 163,000 $ 163,000 $ 252,000
Kings, California 1 $ 220,000 $ 220,000 $ 36,000
Lake, California 1 $ 84,000 $ 84,000 $ 30,000
Lassen, California 1 $ 216,000 $ 216,000 $ 114,000
Merced, California 1 $ 126,000 $ 126,000 $ 91,000
Monterey, California 1 $ 520,000 $ 520,000 $ 207,000
Napa, California 1 $ 628,000 $ 628,000 $ 224,000
Placer, California 1 $ 125,000 $ 125,000 $ 149,000
Santa Barbara, California 1 $ 1,000,000 $ 1,000,000 $ 217,000
Stanislaus, California 1 $ 355,000 $ 355,000 $ 180,000
Tulare, California 1 $ 172,000 $ 172,000 $ 73,000
Tuolumne, California 1 $ 136,000 $ 136,000 $ 87,000
Yolo, California 1 $ 256,000 $ 256,000 $ 107,000
Chaffee, Colorado 1 $ 545,000 $ 545,000 $ 115,000
Custer, Colorado 1 $ 297,000 $ 297,000 $ 112,000
Eagle, Colorado 1 $ 474,000 $ 474,000 $ 103,000
Garfield, Colorado 1 $ 625,000 $ 625,000 $ 215,000
Mesa, Colorado 1 $ 193,000 $ 193,000 $ 48,000
Park, Colorado 1 $ 229,000 $ 229,000 $ 146,000
Pueblo, Colorado 1 $ 32,000 $ 32,000 $ 57,000
New Haven, Connecticut 1 $ 540,000 $ 540,000 $ 300,000
Sussex, Delaware 1 $ 250,000 $ 250,000 $ 79,000
Brevard, Florida 1 $ 124,000 $ 124,000 $ 47,000
Duval, Florida 1 $ 280,000 $ 280,000 $ 142,000
Flagler, Florida 1 $ 285,000 $ 285,000 $ 110,000
Highlands, Florida 1 $ 161,000 $ 161,000 $ 127,000
Lake, Florida 1 $ 22,000 $ 22,000 $ 161,000
Manatee, Florida 1 $ 200,000 $ 200,000 $ 58,000
Nassau, Florida 1 $ 152,000 $ 152,000 $ 69,000
Orange, Florida 1 $ 100,000 $ 100,000 $ 85,000
Pasco, Florida 1 $ 130,000 $ 130,000 $ 104,000
Polk, Florida 1 $ 130,000 $ 130,000 $ 92,000
Putnam, Florida 1 $ 280,000 $ 280,000 $ 110,000
Sumter, Florida 1 $ 318,000 $ 318,000 $ 196,000
Cherokee, Georgia 1 $ 117,000 $ 117,000 $ 74,000
Clayton, Georgia 1 $ 100,000 $ 100,000 $ 62,000
Fayette, Georgia 1 $ 180,000 $ 180,000 $ 181,000
Forsyth, Georgia 1 $ 308,000 $ 308,000 $ 139,000
Glynn, Georgia 1 $ 300,000 $ 300,000 $ 132,000
Gwinnett, Georgia 1 $ 236,000 $ 236,000 $ 105,000
Rabun, Georgia 1 $ 416,000 $ 416,000 $ 131,000
Kauai, Hawaii 1 $ 250,000 $ 250,000 $ 47,000
Maui, Hawaii 1 $ 500,000 $ 500,000 $ 97,000
Ada, Idaho 1 $ 51,000 $ 51,000 $ 70,000
Carroll, Illinois 1 $ 121,000 $ 121,000 $ 240,000
Kendall, Illinois 1 $ 448,000 $ 448,000 $ 233,000
LaSalle, Illinois 1 $ 196,000 $ 196,000 $ 93,000
St. Clair, Illinois 1 $ 198,000 $ 198,000 $ 179,000
Floyd, Indiana 1 $ 215,000 $ 215,000 $ 102,000
Howard, Indiana 1 $ 102,000 $ 102,000 $ 68,000
Johnson, Indiana 1 $ 98,000 $ 98,000 $ 134,000
Lake, Indiana 1 $ 304,000 $ 304,000 $ 89,000
Putnam, Indiana 1 $ 90,000 $ 90,000 $ 56,000
Scott, Indiana 1 $ 175,000 $ 175,000 $ 16,000
Tippecanoe, Indiana 1 $ 103,000 $ 103,000 $ 71,000
Wayne, Indiana 1 $ 51,000 $ 51,000 $ 124,000
Linn, Iowa 1 $ 100,000 $ 100,000 $ 115,000
Johnson, Kansas 1 $ 175,000 $ 175,000 $ 142,000
Barren, Kentucky 1 $ 60,000 $ 60,000 $ 22,000
Kenton, Kentucky 1 $ 95,000 $ 95,000 $ 75,000
Kennebec, Maine 1 $ 80,000 $ 80,000 $ 76,000
Baltimore, Maryland 1 $ 264,000 $ 264,000 $ 180,000
Frederick, Maryland 1 $ 203,000 $ 203,000 $ 184,000
Harford, Maryland 1 $ 316,000 $ 316,000 $ 118,000
Howard, Maryland 1 $ 187,000 $ 187,000 $ 54,000
Kent, Maryland 1 $ 84,000 $ 84,000 $ 48,000
Prince George's, Maryland 1 $ 250,000 $ 250,000 $ 53,000
Barnstable, Massachusetts 1 $ 300,000 $ 300,000 $ 92,000
Berkshire, Massachusetts 1 $ 109,000 $ 109,000 $ 95,000
Hampshire, Massachusetts 1 $ 218,000 $ 218,000 $ 120,000
Worcester, Massachusetts 1 $ 560,000 $ 560,000 $ 229,000
Chippewa, Michigan 1 $ 346,000 $ 346,000 $ 116,000
Marquette, Michigan 1 $ 188,000 $ 188,000 $ 225,000
Oakland, Michigan 1 $ 155,000 $ 155,000 $ 123,000
Ottawa, Michigan 1 $ 176,000 $ 176,000 $ 132,000
Van Buren, Michigan 1 $ 184,000 $ 184,000 $ 132,000
Washtenaw, Michigan 1 $ 139,000 $ 139,000 $ 56,000
Anoka, Minnesota 1 $ 400,000 $ 400,000 $ 105,000
Ramsey, Minnesota 1 $ 104,000 $ 104,000 $ 55,000
Greene, Missouri 1 $ 18,000 $ 18,000 $ 25,000
Jasper, Missouri 1 $ 12,000 $ 12,000 $ 102,000
St. Charles, Missouri 1 $ 218,000 $ 218,000 $ 280,000
Stone, Missouri 1 $ 400,000 $ 400,000 $ 208,000
Washington, Missouri 1 $ 177,000 $ 177,000 $ 147,000
Gallatin, Montana 1 $ 292,000 $ 292,000 $ 103,000
Lincoln, Montana 1 $ 235,000 $ 235,000 $ 150,000
Hillsborough, New Hampshire 1 $ 125,000 $ 125,000 $ 71,000
Merrimack, New Hampshire 1 $ 130,000 $ 130,000 $ 48,000
Burlington, New Jersey 1 $ 107,000 $ 107,000 $ 171,000
Gloucester, New Jersey 1 $ 295,000 $ 295,000 $ 165,000
Mercer, New Jersey 1 $ 545,000 $ 545,000 $ 131,000
Middlesex, New Jersey 1 $ 237,000 $ 237,000 $ 109,000
Monmouth, New Jersey 1 $ 799,000 $ 799,000 $ 152,000
Ocean, New Jersey 1 $ 337,000 $ 337,000 $ 76,000
Warren, New Jersey 1 $ 364,000 $ 364,000 $ 103,000
Colfax, New Mexico 1 $ 316,000 $ 316,000 $ 112,000
Erie, New York 1 $ 150,000 $ 150,000 $ 50,000
Kings, New York 1 $ 225,000 $ 225,000 $ 71,000
Oswego, New York 1 $ 144,000 $ 144,000 $ 49,000
Queens, New York 1 $ 554,000 $ 554,000 $ 218,000
Rockland, New York 1 $ 780,000 $ 780,000 $ 271,000
Westchester, New York 1 $ 1,000,000 $ 1,000,000 $ 354,000
Brunswick, North Carolina 1 $ 260,000 $ 260,000 $ 138,000
Cabarrus, North Carolina 1 $ 78,000 $ 78,000 $ 94,000
Craven, North Carolina 1 $ 62,000 $ 62,000 $ 86,000
Forsyth, North Carolina 1 $ 420,000 $ 420,000 $ 126,000
Henderson, North Carolina 1 $ 98,000 $ 98,000 $ 31,000
Johnston, North Carolina 1 $ 138,000 $ 138,000 $ 102,000
Moore, North Carolina 1 $ 285,000 $ 285,000 $ 223,000
Rockingham, North Carolina 1 $ 592,000 $ 592,000 $ 144,000
Cuyahoga, Ohio 1 $ 149,000 $ 149,000 $ 37,000
Franklin, Ohio 1 $ 219,000 $ 219,000 $ 98,000
Lorain, Ohio 1 $ 121,000 $ 121,000 $ 143,000
Medina, Ohio 1 $ 150,000 $ 150,000 $ 49,000
Miami, Ohio 1 $ 175,000 $ 175,000 $ 155,000
Montgomery, Ohio 1 $ 193,000 $ 193,000 $ 142,000
Summit, Ohio 1 $ 208,000 $ 208,000 $ 63,000
Oklahoma, Oklahoma 1 $ 190,000 $ 190,000 $ 310,000
Pawnee, Oklahoma 1 $ 212,000 $ 212,000 $ 51,000
Columbia, Oregon 1 $ 260,000 $ 260,000 $ 18,000
Jackson, Oregon 1 $ 293,000 $ 293,000 $ 73,000
Josephine, Oregon 1 $ 270,000 $ 270,000 $ 79,000
Lincoln, Oregon 1 $ 336,000 $ 336,000 $ 71,000
Marion, Oregon 1 $ 199,000 $ 199,000 $ 86,000
Adams, Pennsylvania 1 $ 275,000 $ 275,000 $ 99,000
Delaware, Pennsylvania 1 $ 70,000 $ 70,000 $ 38,000
Lehigh, Pennsylvania 1 $ 250,000 $ 250,000 $ 115,000
Montgomery, Pennsylvania 1 $ 417,000 $ 417,000 $ 288,000
Washington, Pennsylvania 1 $ 180,000 $ 180,000 $ 119,000
Wayne, Pennsylvania 1 $ 98,000 $ 98,000 $ 115,000
York, Pennsylvania 1 $ 187,000 $ 187,000 $ 46,000
Bristol, Rhode Island 1 $ 500,000 $ 500,000 $ 330,000
Dorchester, South Carolina 1 $ 250,000 $ 250,000 $ 86,000
Florence, South Carolina 1 $ 92,000 $ 92,000 $ 107,000
Greenville, South Carolina 1 $ 270,000 $ 270,000 $ 111,000
Oconee, South Carolina 1 $ 184,000 $ 184,000 $ 38,000
Pickens, South Carolina 1 $ 228,000 $ 228,000 $ 127,000
Spartanburg, South Carolina 1 $ 292,000 $ 292,000 $ 194,000
York, South Carolina 1 $ 115,000 $ 115,000 $ 51,000
Blount, Tennessee 1 $ 93,000 $ 93,000 $ 30,000
Davidson, Tennessee 1 $ 300,000 $ 300,000 $ 88,000
Hamilton, Tennessee 1 $ 40,000 $ 40,000 $ 133,000
Marshall, Tennessee 1 $ 175,000 $ 175,000 $ 60,000
Bexar, Texas 1 $ 198,000 $ 198,000 $ 65,000
Collin, Texas 1 $ 338,000 $ 338,000 $ 300,000
Comal, Texas 1 $ 118,000 $ 118,000 $ 51,000
Galveston, Texas 1 $ 100,000 $ 100,000 $ 202,000
Grayson, Texas 1 $ 5,890,000 $ 5,890,000 $ 0
Hidalgo, Texas 1 $ 153,000 $ 153,000 $ 91,000
Waller, Texas 1 $ 103,000 $ 103,000 $ 55,000
Washington, Texas 1 $ 50,000 $ 50,000 $ 212,000
Williamson, Texas 1 $ 244,000 $ 244,000 $ 90,000
Salt Lake, Utah 1 $ 182,000 $ 182,000 $ 131,000
Summit, Utah 1 $ 644,000 $ 644,000 $ 180,000
Washington, Utah 1 $ 211,000 $ 211,000 $ 76,000
Chittenden, Vermont 1 $ 380,000 $ 380,000 $ 154,000
Alexandria, Virginia 1 $ 348,000 $ 348,000 $ 102,000
Charlottesville, Virginia 1 $ 136,000 $ 136,000 $ 57,000
Chesapeake, Virginia 1 $ 340,000 $ 340,000 $ 150,000
Fluvanna, Virginia 1 $ 120,000 $ 120,000 $ 72,000
Franklin, Virginia 1 $ 94,000 $ 94,000 $ 43,000
Hampton, Virginia 1 $ 70,000 $ 70,000 $ 30,000
Lancaster, Virginia 1 $ 284,000 $ 284,000 $ 70,000
Middlesex, Virginia 1 $ 508,000 $ 508,000 $ 132,000
Orange, Virginia 1 $ 274,000 $ 274,000 $ 81,000
Patrick, Virginia 1 $ 93,000 $ 93,000 $ 26,000
Spotsylvania, Virginia 1 $ 231,000 $ 231,000 $ 73,000
Virginia Beach, Virginia 1 $ 650,000 $ 650,000 $ 192,000
Clallam, Washington 1 $ 250,000 $ 250,000 $ 104,000
Cowlitz, Washington 1 $ 169,000 $ 169,000 $ 79,000
Island, Washington 1 $ 469,000 $ 469,000 $ 140,000
Thurston, Washington 1 $ 308,000 $ 308,000 $ 197,000
Columbia, Wisconsin 1 $ 98,000 $ 98,000 $ 71,000
Walworth, Wisconsin 1 $ 139,000 $ 139,000 $ 296,000
Washington, Wisconsin 1 $ 426,000 $ 426,000 $ 119,000
Laramie, Wyoming 1 $ 285,000 $ 285,000 $ 127,000
Lincoln, Wyoming 1 $ 675,000 $ 675,000 $ 196,000

Mortgage Loan Application Detail Totals for Alliant 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 1,516 $635,560,000 $419,000 $8,850,000 $188,000 $4,136,000
Home Purchase 514 $230,788,000 $449,000 $4,560,000 $194,000 $1,920,000
Home Improvement 200 $54,826,000 $274,000 $1,050,000 $140,000 $1,395,000

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 1,423 $611,601,000 $429,000 $1,676,000 $198,000 $2,484,000
Not Provided 571 $206,807,000 $362,000 $5,890,000 $160,000 $4,136,000
Asian 122 $54,299,000 $445,000 $1,151,000 $188,000 $739,000
Hispanic 58 $17,423,000 $300,000 $993,000 $135,000 $382,000
Black or African American 37 $12,377,000 $334,000 $1,500,000 $219,000 $2,282,000
Native Hawaiian or Other Pacific Islander 8 $1,767,000 $220,000 $430,000 $103,000 $259,000
American Indian or Alaskan Native 7 $2,140,000 $305,000 $492,000 $113,000 $175,000
Not applicable 4 $14,760,000 $3,690,000 $8,850,000 $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) 2,230 $921,174,000 $413,000 $8,850,000 $185,000 $4,136,000
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
VA-guaranteed (Veterans 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 1,409 $681,572,000 $483,000 $8,850,000 $215,000 $4,136,000
Application Denied By Financial Institution 374 $113,727,000 $304,000 $5,890,000 $125,000 $1,210,000
Application Withdrawn By Applicant 334 $94,640,000 $283,000 $4,560,000 $149,000 $2,282,000
File Closed For Incompleteness 66 $18,049,000 $273,000 $860,000 $125,000 $670,000
Application Approved But Not Accepted 46 $13,018,000 $283,000 $940,000 $126,000 $445,000
Preapproval Denied by Financial Institution 1 $168,000 $168,000 $168,000 $71,000 $71,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 97 $38,294,000 $394,000 $5,890,000 $154,000 $1,181,000
Debt-To-Income Ratio 75 $23,037,000 $307,000 $1,000,000 $75,000 $223,000
Credit Application Incomplete 64 $21,748,000 $339,000 $1,000,000 $134,000 $605,000
Other 49 $15,036,000 $306,000 $973,000 $158,000 $1,210,000
Credit History 44 $9,965,000 $226,000 $650,000 $127,000 $381,000
Unverifiable Information 13 $3,122,000 $240,000 $630,000 $120,000 $486,000
Employment History 2 $646,000 $323,000 $376,000 $55,000 $111,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Alliant 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 Alliant 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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