Apci Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Apci Federal Credit Union 2015 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 | Apci Federal Credit Union Po Box 20147 Allentown, PA 18002 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 | 612 |
| Total Mortgage Loan Application Amount | $74,338,000 |
| Average Mortgage Loan Application Amount | $131,666 |
| Highest Mortgage Loan Application Amount | $589,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $635,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Apci 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 Apci Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Apci 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 Apci Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Apci 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 Apci Federal Credit Union's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lehigh County Pennsylvania | 216 | $ 28,480,000 | $ 131,000 | $ 113,000 |
| Northampton County Pennsylvania | 63 | $ 8,251,000 | $ 130,000 | $ 105,000 |
| Berks County Pennsylvania | 37 | $ 4,157,000 | $ 112,000 | $ 114,000 |
| Schuylkill County Pennsylvania | 24 | $ 1,550,000 | $ 64,000 | $ 79,000 |
| Luzerne County Pennsylvania | 17 | $ 952,000 | $ 56,000 | $ 87,000 |
| Montgomery County Pennsylvania | 13 | $ 1,800,000 | $ 138,000 | $ 157,000 |
| Carbon County Pennsylvania | 12 | $ 1,105,000 | $ 92,000 | $ 85,000 |
| Harris County Texas | 11 | $ 940,000 | $ 85,000 | $ 111,000 |
| Chester County Pennsylvania | 8 | $ 1,703,000 | $ 212,000 | $ 158,000 |
| Maricopa County Arizona | 7 | $ 1,075,000 | $ 153,000 | $ 112,000 |
| Bucks County Pennsylvania | 7 | $ 817,000 | $ 116,000 | $ 135,000 |
| Manatee County Florida | 6 | $ 474,000 | $ 79,000 | $ 128,000 |
| St. Tammany County Louisiana | 5 | $ 466,000 | $ 93,000 | $ 115,000 |
| Rockwall County Texas | 5 | $ 1,363,000 | $ 272,000 | $ 144,000 |
| Newton County Georgia | 4 | $ 297,000 | $ 74,000 | $ 99,000 |
| Ascension County Louisiana | 4 | $ 342,000 | $ 85,000 | $ 84,000 |
| Livingston County Louisiana | 4 | $ 364,000 | $ 91,000 | $ 89,000 |
| Rensselaer County New York | 4 | $ 270,000 | $ 67,000 | $ 83,000 |
| Columbia County Pennsylvania | 4 | $ 314,000 | $ 78,000 | $ 93,000 |
| Lancaster County Pennsylvania | 4 | $ 361,000 | $ 90,000 | $ 97,000 |
| Collin County Texas | 4 | $ 608,000 | $ 152,000 | $ 133,000 |
| Los Angeles County California | 3 | $ 396,000 | $ 132,000 | $ 99,000 |
| East Baton Rouge County Louisiana | 3 | $ 273,000 | $ 91,000 | $ 139,000 |
| Lackawanna County Pennsylvania | 3 | $ 240,000 | $ 80,000 | $ 126,000 |
| Horry County South Carolina | 3 | $ 174,000 | $ 58,000 | $ 85,000 |
| Fort Bend County Texas | 3 | $ 614,000 | $ 204,000 | $ 170,000 |
| Travis County Texas | 3 | $ 676,000 | $ 225,000 | $ 115,000 |
| San Bernardino County California | 2 | $ 283,000 | $ 141,000 | $ 103,000 |
| San Diego County California | 2 | $ 316,000 | $ 158,000 | $ 138,000 |
| El Paso County Colorado | 2 | $ 15,000 | $ 7,000 | $ 40,000 |
| Larimer County Colorado | 2 | $ 890,000 | $ 445,000 | $ 98,000 |
| Collier County Florida | 2 | $ 243,000 | $ 121,000 | $ 63,000 |
| Lee County Florida | 2 | $ 114,000 | $ 57,000 | $ 92,000 |
| Hall County Georgia | 2 | $ 358,000 | $ 179,000 | $ 130,000 |
| Bureau County Illinois | 2 | $ 19,000 | $ 9,000 | $ 78,000 |
| Rice County Kansas | 2 | $ 185,000 | $ 92,000 | $ 123,000 |
| Sedgwick County Kansas | 2 | $ 92,000 | $ 46,000 | $ 60,000 |
| Lafourche County Louisiana | 2 | $ 176,000 | $ 88,000 | $ 116,000 |
| Tangipahoa County Louisiana | 2 | $ 141,000 | $ 70,000 | $ 105,000 |
| Washington County Louisiana | 2 | $ 6,000 | $ 3,000 | $ 79,000 |
| Middlesex County Massachusetts | 2 | $ 119,000 | $ 59,000 | $ 364,000 |
| Pike County Mississippi | 2 | $ 135,000 | $ 67,000 | $ 38,000 |
| Cape May County New Jersey | 2 | $ 521,000 | $ 260,000 | $ 129,000 |
| Monmouth County New Jersey | 2 | $ 375,000 | $ 187,000 | $ 140,000 |
| Bernalillo County New Mexico | 2 | $ 521,000 | $ 260,000 | $ 180,000 |
| Rockingham County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 71,000 |
| Delaware County Oklahoma | 2 | $ 239,000 | $ 119,000 | $ 52,000 |
| Cambria County Pennsylvania | 2 | $ 49,000 | $ 24,000 | $ 50,000 |
| Delaware County Pennsylvania | 2 | $ 392,000 | $ 196,000 | $ 130,000 |
| Philadelphia County Pennsylvania | 2 | $ 491,000 | $ 245,000 | $ 249,000 |
| Wyoming County Pennsylvania | 2 | $ 18,000 | $ 9,000 | $ 56,000 |
| Chambers County Texas | 2 | $ 202,000 | $ 101,000 | $ 81,000 |
| Dallas County Texas | 2 | $ 272,000 | $ 136,000 | $ 143,000 |
| Williamson County Texas | 2 | $ 242,000 | $ 121,000 | $ 125,000 |
| Escambia County Alabama | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Lauderdale County Alabama | 1 | $ 130,000 | $ 130,000 | $ 135,000 |
| Yuma County Arizona | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Alameda County California | 1 | $ 228,000 | $ 228,000 | $ 119,000 |
| Lake County California | 1 | $ 72,000 | $ 72,000 | $ 119,000 |
| Merced County California | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Orange County California | 1 | $ 331,000 | $ 331,000 | $ 233,000 |
| Solano County California | 1 | $ 350,000 | $ 350,000 | $ 127,000 |
| Jefferson County Colorado | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Weld County Colorado | 1 | $ 18,000 | $ 18,000 | $ 125,000 |
| Kent County Delaware | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Sussex County Delaware | 1 | $ 320,000 | $ 320,000 | $ 345,000 |
| Hillsborough County Florida | 1 | $ 4,000 | $ 4,000 | $ 81,000 |
| Nassau County Florida | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Sarasota County Florida | 1 | $ 194,000 | $ 194,000 | $ 132,000 |
| Sumter County Florida | 1 | $ 55,000 | $ 55,000 | $ 159,000 |
| Cobb County Georgia | 1 | $ 78,000 | $ 78,000 | $ 124,000 |
| DeKalb County Georgia | 1 | $ 300,000 | $ 300,000 | $ 175,000 |
| Fulton County Georgia | 1 | $ 110,000 | $ 110,000 | $ 151,000 |
| Glynn County Georgia | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Walton County Georgia | 1 | $ 7,000 | $ 7,000 | $ 96,000 |
| Cook County Illinois | 1 | $ 110,000 | $ 110,000 | $ 94,000 |
| Hamilton County Indiana | 1 | $ 13,000 | $ 13,000 | $ 58,000 |
| LaPorte County Indiana | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
| Harvey County Kansas | 1 | $ 10,000 | $ 10,000 | $ 135,000 |
| Fayette County Kentucky | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| Jefferson County Kentucky | 1 | $ 212,000 | $ 212,000 | $ 121,000 |
| McCracken County Kentucky | 1 | $ 244,000 | $ 244,000 | $ 108,000 |
| Calcasieu County Louisiana | 1 | $ 211,000 | $ 211,000 | $ 86,000 |
| Iberville County Louisiana | 1 | $ 186,000 | $ 186,000 | $ 85,000 |
| Jefferson County Louisiana | 1 | $ 172,000 | $ 172,000 | $ 194,000 |
| St. John the Baptist County Louisiana | 1 | $ 96,000 | $ 96,000 | $ 126,000 |
| West Baton Rouge County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 238,000 |
| Harford County Maryland | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Worcester County Maryland | 1 | $ 267,000 | $ 267,000 | $ 219,000 |
| St. Charles County Missouri | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Bergen County New Jersey | 1 | $ 480,000 | $ 480,000 | $ 116,000 |
| Gloucester County New Jersey | 1 | $ 181,000 | $ 181,000 | $ 217,000 |
| Hudson County New Jersey | 1 | $ 462,000 | $ 462,000 | $ 191,000 |
| Ocean County New Jersey | 1 | $ 210,000 | $ 210,000 | $ 125,000 |
| Somerset County New Jersey | 1 | $ 350,000 | $ 350,000 | $ 181,000 |
| Union County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 208,000 |
| Warren County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Richmond County New York | 1 | $ 400,000 | $ 400,000 | $ 73,000 |
| Brunswick County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Durham County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 129,000 |
| Guilford County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 81,000 |
| New Hanover County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Vance County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Wake County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Belmont County Ohio | 1 | $ 10,000 | $ 10,000 | $ 57,000 |
| Butler County Ohio | 1 | $ 85,000 | $ 85,000 | $ 187,000 |
| Lorain County Ohio | 1 | $ 10,000 | $ 10,000 | $ 79,000 |
| Portage County Ohio | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Wayne County Ohio | 1 | $ 102,000 | $ 102,000 | $ 76,000 |
| Williams County Ohio | 1 | $ 4,000 | $ 4,000 | $ 98,000 |
| Osage County Oklahoma | 1 | $ 2,000 | $ 2,000 | $ 59,000 |
| Rogers County Oklahoma | 1 | $ 6,000 | $ 6,000 | $ 90,000 |
| Allegheny County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 161,000 |
| Beaver County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 44,000 |
| Monroe County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Tioga County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 59,000 |
| Union County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| York County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Anderson County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Florence County South Carolina | 1 | $ 9,000 | $ 9,000 | $ 70,000 |
| Sullivan County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 87,000 |
| Galveston County Texas | 1 | $ 59,000 | $ 59,000 | $ 50,000 |
| Liberty County Texas | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Montgomery County Texas | 1 | $ 50,000 | $ 50,000 | $ 229,000 |
| Ochiltree County Texas | 1 | $ 7,000 | $ 7,000 | $ 66,000 |
| Tarrant County Texas | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Pittsylvania County Virginia | 1 | $ 16,000 | $ 16,000 | $ 78,000 |
| Virginia Beach County Virginia | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Thurston County Washington | 1 | $ 144,000 | $ 144,000 | $ 79,000 |
| Pleasants County West Virginia | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Dane County Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Green County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Walworth County Wisconsin | 1 | $ 6,000 | $ 6,000 | $ 84,000 |
| Sublette County Wyoming | 1 | $ 230,000 | $ 230,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Apci Federal Credit Union in 2015
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 | 351 | $56,956,000 | $162,000 | $589,000 | $115,000 | $393,000 |
| Home Improvement | 252 | $15,837,000 | $62,000 | $330,000 | $105,000 | $635,000 |
| Home Purchase | 9 | $1,545,000 | $171,000 | $330,000 | $80,000 | $154,000 |
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 | 427 | $55,813,000 | $130,000 | $589,000 | $113,000 | $393,000 |
| Not Provided | 116 | $8,586,000 | $74,000 | $400,000 | $101,000 | $635,000 |
| Asian | 23 | $4,424,000 | $192,000 | $426,000 | $141,000 | $262,000 |
| Black or African American | 22 | $2,823,000 | $128,000 | $432,000 | $105,000 | $198,000 |
| Hispanic | 21 | $2,244,000 | $106,000 | $270,000 | $84,000 | $194,000 |
| American Indian or Alaskan Native | 3 | $448,000 | $149,000 | $176,000 | $59,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 612 | $74,338,000 | $121,000 | $589,000 | $110,000 | $635,000 |
| 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 | 489 | $59,357,000 | $121,000 | $476,000 | $116,000 | $635,000 |
| Application Denied By Financial Institution | 78 | $9,362,000 | $120,000 | $500,000 | $77,000 | $191,000 |
| Application Withdrawn By Applicant | 29 | $3,435,000 | $118,000 | $589,000 | $119,000 | $325,000 |
| File Closed For Incompleteness | 15 | $2,182,000 | $145,000 | $480,000 | $107,000 | $193,000 |
| Application Approved But Not Accepted | 1 | $2,000 | $2,000 | $2,000 | $46,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 37 | $4,554,000 | $123,000 | $500,000 | $66,000 | $131,000 |
| Collateral | 19 | $2,856,000 | $150,000 | $462,000 | $92,000 | $191,000 |
| Credit History | 19 | $1,918,000 | $100,000 | $492,000 | $86,000 | $153,000 |
| Other | 3 | $34,000 | $11,000 | $13,000 | $60,000 | $66,000 |
| Unverifiable Information | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Apci Federal Credit Union's 2015 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 Apci 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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.