Apci Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Apci Federal Credit Union 2020 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 | 467 |
| Total Mortgage Loan Application Amount | $102,005,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $114,500 |
| Highest Applicant Income | $2,139,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 148 | $ 31,080,000 | $ 210,000 | $ 155,000 |
| Northampton County Pennsylvania | 35 | $ 7,355,000 | $ 210,000 | $ 128,000 |
| Berks County Pennsylvania | 23 | $ 3,815,000 | $ 165,000 | $ 109,000 |
| Montgomery County Pennsylvania | 22 | $ 5,220,000 | $ 237,000 | $ 186,000 |
| Schuylkill County Pennsylvania | 13 | $ 1,905,000 | $ 146,000 | $ 117,000 |
| Carbon County Pennsylvania | 11 | $ 895,000 | $ 81,000 | $ 79,000 |
| Maricopa County Arizona | 10 | $ 3,320,000 | $ 332,000 | $ 122,000 |
| Harris County Texas | 9 | $ 1,345,000 | $ 149,000 | $ 134,000 |
| Ascension County Louisiana | 7 | $ 1,315,000 | $ 187,000 | $ 97,000 |
| Bucks County Pennsylvania | 7 | $ 2,925,000 | $ 417,000 | $ 208,000 |
| Chester County Pennsylvania | 7 | $ 2,285,000 | $ 326,000 | $ 240,000 |
| Hillsborough County Florida | 6 | $ 1,070,000 | $ 178,000 | $ 197,000 |
| Monroe County Pennsylvania | 5 | $ 775,000 | $ 155,000 | $ 104,000 |
| Sedgwick County Kansas | 4 | $ 590,000 | $ 147,000 | $ 91,000 |
| East Baton Rouge County Louisiana | 4 | $ 1,370,000 | $ 342,000 | $ 158,000 |
| Chambers County Texas | 4 | $ 1,010,000 | $ 252,000 | $ 112,000 |
| Williamson County Texas | 4 | $ 780,000 | $ 195,000 | $ 106,000 |
| Riverside County California | 3 | $ 975,000 | $ 325,000 | $ 112,000 |
| San Diego County California | 3 | $ 1,355,000 | $ 451,000 | $ 179,000 |
| Livingston County Louisiana | 3 | $ 855,000 | $ 285,000 | $ 100,000 |
| Butler County Ohio | 3 | $ 335,000 | $ 111,000 | $ 83,000 |
| Cuyahoga County Ohio | 3 | $ 775,000 | $ 258,000 | $ 167,000 |
| Lancaster County Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 135,000 |
| Collin County Texas | 3 | $ 315,000 | $ 105,000 | $ 150,000 |
| Alameda County California | 2 | $ 420,000 | $ 210,000 | $ 140,000 |
| Sarasota County Florida | 2 | $ 530,000 | $ 265,000 | $ 92,000 |
| Cook County Illinois | 2 | $ 840,000 | $ 420,000 | $ 91,000 |
| Butler County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 38,000 |
| Greenup County Kentucky | 2 | $ 400,000 | $ 200,000 | $ 146,000 |
| McCracken County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 119,000 |
| Jefferson County Louisiana | 2 | $ 320,000 | $ 160,000 | $ 118,000 |
| St. Tammany County Louisiana | 2 | $ 230,000 | $ 115,000 | $ 151,000 |
| Cape May County New Jersey | 2 | $ 710,000 | $ 355,000 | $ 189,000 |
| Hunterdon County New Jersey | 2 | $ 850,000 | $ 425,000 | $ 116,000 |
| Warren County New Jersey | 2 | $ 510,000 | $ 255,000 | $ 184,000 |
| Durham County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 138,000 |
| Dauphin County Pennsylvania | 2 | $ 1,100,000 | $ 550,000 | $ 303,000 |
| Luzerne County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 102,000 |
| Dallas County Texas | 2 | $ 230,000 | $ 115,000 | $ 143,000 |
| Galveston County Texas | 2 | $ 280,000 | $ 140,000 | $ 132,000 |
| Hunt County Texas | 2 | $ 250,000 | $ 125,000 | $ 68,000 |
| Montgomery County Texas | 2 | $ 210,000 | $ 105,000 | $ 141,000 |
| Lawrence County Alabama | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Madison County Alabama | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Pinal County Arizona | 1 | $ 545,000 | $ 545,000 | $ 223,000 |
| Yavapai County Arizona | 1 | $ 65,000 | $ 65,000 | $ 163,000 |
| Contra Costa County California | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Los Angeles County California | 1 | $ 245,000 | $ 245,000 | $ 201,000 |
| Placer County California | 1 | $ 515,000 | $ 515,000 | $ 233,000 |
| San Benito County California | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| San Bernardino County California | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| San Joaquin County California | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Stanislaus County California | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Denver County Colorado | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Montezuma County Colorado | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Weld County Colorado | 1 | $ 395,000 | $ 395,000 | $ 216,000 |
| Fairfield County Connecticut | 1 | $ 395,000 | $ 395,000 | $ 3,000 |
| Hartford County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 129,000 |
| Litchfield County Connecticut | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Broward County Florida | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Charlotte County Florida | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Flagler County Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lee County Florida | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Manatee County Florida | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Nassau County Florida | 1 | $ 265,000 | $ 265,000 | $ 149,000 |
| Orange County Florida | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Palm Beach County Florida | 1 | $ 615,000 | $ 615,000 | $ 203,000 |
| Pasco County Florida | 1 | $ 405,000 | $ 405,000 | $ 369,000 |
| Muscogee County Georgia | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Grundy County Illinois | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| LaSalle County Illinois | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Hamilton County Indiana | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Butler County Kansas | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Finney County Kansas | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Meade County Kansas | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Rice County Kansas | 1 | $ 185,000 | $ 185,000 | $ 168,000 |
| Bullitt County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Iberville County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 198,000 |
| Orleans County Louisiana | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Pointe Coupee County Louisiana | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| West Baton Rouge County Louisiana | 1 | $ 285,000 | $ 285,000 | $ 313,000 |
| Anne Arundel County Maryland | 1 | $ 365,000 | $ 365,000 | $ 174,000 |
| Harford County Maryland | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Forrest County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Pearl River County Mississippi | 1 | $ 255,000 | $ 255,000 | $ 171,000 |
| Jefferson County Missouri | 1 | $ 285,000 | $ 285,000 | $ 157,000 |
| St. Charles County Missouri | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Atlantic County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 177,000 |
| Burlington County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Camden County New Jersey | 1 | $ 455,000 | $ 455,000 | $ 438,000 |
| Essex County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 162,000 |
| Gloucester County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Middlesex County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 139,000 |
| Morris County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Sandoval County New Mexico | 1 | $ 235,000 | $ 235,000 | $ 179,000 |
| Valencia County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Chautauqua County New York | 1 | $ 195,000 | $ 195,000 | $ 189,000 |
| Ulster County New York | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Brunswick County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 159,000 |
| Davidson County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Guilford County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Union County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 132,000 |
| Vance County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Belmont County Ohio | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Portage County Ohio | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Creek County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Delaware County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| Oklahoma County Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 198,000 |
| Rogers County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Allegheny County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Columbia County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Erie County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Franklin County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Philadelphia County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 73,000 |
| Washington County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 236,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Washington County Rhode Island | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Carter County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Giles County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Hamilton County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Comal County Texas | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Hood County Texas | 1 | $ 155,000 | $ 155,000 | $ 167,000 |
| Randall County Texas | 1 | $ 655,000 | $ 655,000 | $ 76,000 |
| Travis County Texas | 1 | $ 265,000 | $ 265,000 | $ 169,000 |
| Tyler County Texas | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Accomack County Virginia | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Chesterfield County Virginia | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Fairfax County Virginia | 1 | $ 455,000 | $ 455,000 | $ 321,000 |
| Henry County Virginia | 1 | $ 115,000 | $ 115,000 | $ 115,000 |
| James City County Virginia | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Franklin County Washington | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| King County Washington | 1 | $ 755,000 | $ 755,000 | $ 328,000 |
| Milwaukee County Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 293,000 |
Mortgage Loan Application Detail Totals for Apci Federal Credit Union in 2020
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 | 409 | $98,505,000 | $240,000 | $1,085,000 | $144,000 | $2,139,000 |
| Home Improvement | 29 | $1,285,000 | $44,000 | $165,000 | $124,000 | $297,000 |
| Other Purpose | 27 | $1,915,000 | $70,000 | $205,000 | $112,000 | $283,000 |
| Home Purchase | 2 | $300,000 | $150,000 | $155,000 | $78,000 | $116,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 365 | $78,465,000 | $214,000 | $1,085,000 | $137,000 | $500,000 |
| Not Provided | 46 | $9,120,000 | $198,000 | $545,000 | $172,000 | $2,139,000 |
| Asian | 26 | $7,880,000 | $303,000 | $665,000 | $151,000 | $281,000 |
| Hispanic | 22 | $4,780,000 | $217,000 | $505,000 | $132,000 | $273,000 |
| Black or African American | 6 | $1,330,000 | $221,000 | $355,000 | $112,000 | $258,000 |
| American Indian or Alaskan Native | 2 | $430,000 | $215,000 | $285,000 | $143,000 | $196,000 |
| 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) | 467 | $102,005,000 | $218,000 | $1,085,000 | $140,000 | $2,139,000 |
| 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 | 390 | $88,010,000 | $225,000 | $1,085,000 | $141,000 | $500,000 |
| File Closed For Incompleteness | 32 | $5,640,000 | $176,000 | $505,000 | $182,000 | $2,139,000 |
| Application Withdrawn By Applicant | 28 | $4,900,000 | $175,000 | $405,000 | $102,000 | $260,000 |
| Application Denied By Financial Institution | 17 | $3,455,000 | $203,000 | $565,000 | $111,000 | $394,000 |
| Application Approved But Not Accepted | 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 | 467 | $102,005,000 | $218,000 | $1,085,000 | $140,000 | $2,139,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Apci Federal Credit Union's 2020 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.