Credit Union Financial Services, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Credit Union Financial Services, Llc 2012 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 | Credit Union Financial Services, Llc 1123 Elm St Ne Suwanee, GA 30014 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 |
| Total Number of Mortgage Applications | 1,227 |
| Total Mortgage Loan Application Amount | $167,052,000 |
| Average Mortgage Loan Application Amount | $140,666 |
| Highest Mortgage Loan Application Amount | $940,000 |
| Average Applicant Income | $27,666 |
| Highest Applicant Income | $542,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Credit Union Financial Services, Llc. 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 Credit Union Financial Services, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Credit Union Financial Services, Llc'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 Credit Union Financial Services, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Credit Union Financial Services, Llc, 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 Credit Union Financial Services, Llc's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett County Georgia | 201 | $ 27,723,000 | $ 137,000 | $ 32,000 |
| DeKalb County Georgia | 136 | $ 19,309,000 | $ 141,000 | $ 22,000 |
| Fulton County Georgia | 105 | $ 16,717,000 | $ 159,000 | $ 28,000 |
| Cobb County Georgia | 84 | $ 11,540,000 | $ 137,000 | $ 18,000 |
| Hall County Georgia | 62 | $ 8,220,000 | $ 132,000 | $ 22,000 |
| Paulding County Georgia | 51 | $ 5,646,000 | $ 110,000 | $ 17,000 |
| Douglas County Georgia | 45 | $ 4,997,000 | $ 111,000 | $ 23,000 |
| Walton County Georgia | 34 | $ 4,313,000 | $ 126,000 | $ 24,000 |
| Jackson County Georgia | 32 | $ 4,415,000 | $ 137,000 | $ 34,000 |
| Barrow County Georgia | 31 | $ 3,452,000 | $ 111,000 | $ 16,000 |
| Henry County Georgia | 30 | $ 4,416,000 | $ 147,000 | $ 28,000 |
| Richmond County Georgia | 30 | $ 2,944,000 | $ 98,000 | $ 13,000 |
| Clayton County Georgia | 27 | $ 3,171,000 | $ 117,000 | $ 7,000 |
| Lowndes County Georgia | 20 | $ 1,810,000 | $ 90,000 | $ 29,000 |
| Clarke County Georgia | 18 | $ 1,776,000 | $ 98,000 | $ 27,000 |
| Cherokee County Georgia | 16 | $ 2,337,000 | $ 146,000 | $ 5,000 |
| Columbia County Georgia | 16 | $ 2,961,000 | $ 185,000 | $ 52,000 |
| Carroll County Georgia | 15 | $ 1,728,000 | $ 115,000 | $ 25,000 |
| Chatham County Georgia | 15 | $ 2,654,000 | $ 176,000 | $ 32,000 |
| Forsyth County Georgia | 15 | $ 2,544,000 | $ 169,000 | $ 46,000 |
| Coweta County Georgia | 11 | $ 1,688,000 | $ 153,000 | $ 69,000 |
| White County Georgia | 11 | $ 905,000 | $ 82,000 | $ 29,000 |
| Rockdale County Georgia | 10 | $ 1,612,000 | $ 161,000 | $ 26,000 |
| Newton County Georgia | 9 | $ 1,411,000 | $ 156,000 | $ 58,000 |
| Glynn County Georgia | 8 | $ 1,575,000 | $ 196,000 | $ 44,000 |
| Fayette County Georgia | 7 | $ 896,000 | $ 128,000 | $ 34,000 |
| Oconee County Georgia | 6 | $ 1,003,000 | $ 167,000 | $ 84,000 |
| Wayne County Georgia | 6 | $ 741,000 | $ 123,000 | $ 55,000 |
| Bartow County Georgia | 5 | $ 717,000 | $ 143,000 | $ 12,000 |
| Bryan County Georgia | 4 | $ 536,000 | $ 134,000 | $ 19,000 |
| Habersham County Georgia | 4 | $ 547,000 | $ 136,000 | $ 19,000 |
| Putnam County Georgia | 4 | $ 423,000 | $ 105,000 | $ 49,000 |
| Stephens County Georgia | 4 | $ 625,000 | $ 156,000 | $ 25,000 |
| Berrien County Georgia | 3 | $ 224,000 | $ 74,000 | $ 7,000 |
| Bulloch County Georgia | 3 | $ 403,000 | $ 134,000 | $ 38,000 |
| Dougherty County Georgia | 3 | $ 349,000 | $ 116,000 | $ 0 |
| Floyd County Georgia | 3 | $ 595,000 | $ 198,000 | $ 27,000 |
| Greene County Georgia | 3 | $ 654,000 | $ 218,000 | $ 20,000 |
| Hart County Georgia | 3 | $ 447,000 | $ 149,000 | $ 12,000 |
| Liberty County Georgia | 3 | $ 180,000 | $ 60,000 | $ 6,000 |
| Lincoln County Georgia | 3 | $ 440,000 | $ 146,000 | $ 21,000 |
| Long County Georgia | 3 | $ 508,000 | $ 169,000 | $ 13,000 |
| Lumpkin County Georgia | 3 | $ 394,000 | $ 131,000 | $ 20,000 |
| Towns County Georgia | 3 | $ 351,000 | $ 117,000 | $ 50,000 |
| Baldwin County Georgia | 2 | $ 319,000 | $ 159,000 | $ 20,000 |
| Banks County Georgia | 2 | $ 302,000 | $ 151,000 | $ 58,000 |
| Bibb County Georgia | 2 | $ 963,000 | $ 481,000 | $ 359,000 |
| Brooks County Georgia | 2 | $ 331,000 | $ 165,000 | $ 26,000 |
| Butts County Georgia | 2 | $ 203,000 | $ 101,000 | $ 32,000 |
| Dawson County Georgia | 2 | $ 233,000 | $ 116,000 | $ 105,000 |
| Effingham County Georgia | 2 | $ 175,000 | $ 87,000 | $ 24,000 |
| Gilmer County Georgia | 2 | $ 559,000 | $ 279,000 | $ 120,000 |
| Haralson County Georgia | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Jefferson County Georgia | 2 | $ 192,000 | $ 96,000 | $ 65,000 |
| Laurens County Georgia | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Madison County Georgia | 2 | $ 269,000 | $ 134,000 | $ 0 |
| McDuffie County Georgia | 2 | $ 159,000 | $ 79,000 | $ 19,000 |
| Rabun County Georgia | 2 | $ 316,000 | $ 158,000 | $ 22,000 |
| Spalding County Georgia | 2 | $ 467,000 | $ 233,000 | $ 31,000 |
| Troup County Georgia | 2 | $ 339,000 | $ 169,000 | $ 166,000 |
| Aiken County South Carolina | 2 | $ 287,000 | $ 143,000 | $ 0 |
| Washington County Tennessee | 2 | $ 565,000 | $ 282,000 | $ 43,000 |
| Russell County Alabama | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Los Angeles County California | 1 | $ 391,000 | $ 391,000 | $ 0 |
| El Paso County Colorado | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 791,000 | $ 791,000 | $ 466,000 |
| Nassau County Florida | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Orange County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Appling County Georgia | 1 | $ 51,000 | $ 51,000 | $ 61,000 |
| Bacon County Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Burke County Georgia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Dodge County Georgia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Echols County Georgia | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Evans County Georgia | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Fannin County Georgia | 1 | $ 253,000 | $ 253,000 | $ 97,000 |
| Franklin County Georgia | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Gordon County Georgia | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Harris County Georgia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Houston County Georgia | 1 | $ 88,000 | $ 88,000 | $ 44,000 |
| Irwin County Georgia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Jasper County Georgia | 1 | $ 112,000 | $ 112,000 | $ 108,000 |
| Lamar County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lee County Georgia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Morgan County Georgia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Pickens County Georgia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Pierce County Georgia | 1 | $ 79,000 | $ 79,000 | $ 101,000 |
| Pike County Georgia | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Polk County Georgia | 1 | $ 86,000 | $ 86,000 | $ 63,000 |
| Randolph County Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Sumter County Georgia | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Toombs County Georgia | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Washington County Georgia | 1 | $ 99,000 | $ 99,000 | $ 52,000 |
| Whitfield County Georgia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Polk County Iowa | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Warren County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Bronx County New York | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Suffolk County New York | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Edgefield County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Credit Union Financial Services, Llc 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 | 934 | $132,796,000 | $142,000 | $940,000 | $27,000 | $542,000 |
| Home Purchase | 290 | $33,764,000 | $116,000 | $800,000 | $26,000 | $466,000 |
| Home Improvement | 3 | $492,000 | $164,000 | $280,000 | $30,000 | $91,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 825 | $109,337,000 | $132,000 | $940,000 | $13,000 | $227,000 |
| White | 272 | $40,419,000 | $148,000 | $791,000 | $63,000 | $542,000 |
| Black or African American | 107 | $14,212,000 | $132,000 | $406,000 | $38,000 | $367,000 |
| Hispanic | 9 | $1,127,000 | $125,000 | $237,000 | $37,000 | $105,000 |
| Asian | 7 | $1,316,000 | $188,000 | $304,000 | $28,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $460,000 | $92,000 | $143,000 | $28,000 | $65,000 |
| American Indian or Alaskan Native | 2 | $181,000 | $90,000 | $104,000 | $9,000 | $19,000 |
| 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) | 892 | $129,221,000 | $144,000 | $940,000 | $32,000 | $542,000 |
| FHA-insured (Federal Housing Administration) | 315 | $35,110,000 | $111,000 | $317,000 | $12,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,152,000 | $153,000 | $277,000 | $21,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $569,000 | $94,000 | $146,000 | $13,000 | $40,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 747 | $96,202,000 | $128,000 | $800,000 | $17,000 | $367,000 |
| Loan Originated | 185 | $28,625,000 | $154,000 | $791,000 | $84,000 | $542,000 |
| Application Withdrawn By Applicant | 173 | $24,390,000 | $140,000 | $940,000 | $16,000 | $227,000 |
| File Closed For Incompleteness | 90 | $13,930,000 | $154,000 | $417,000 | $9,000 | $105,000 |
| Preapproval Denied by Financial Institution | 18 | $1,765,000 | $98,000 | $168,000 | $5,000 | $42,000 |
| Application Approved But Not Accepted | 12 | $1,878,000 | $156,000 | $320,000 | $63,000 | $156,000 |
| Preapproval Approved but not Accepted | 2 | $262,000 | $131,000 | $166,000 | $56,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 237 | $26,787,000 | $113,000 | $800,000 | $3,000 | $115,000 |
| Credit Application Incomplete | 211 | $28,594,000 | $135,000 | $488,000 | $19,000 | $367,000 |
| Collateral | 141 | $17,871,000 | $126,000 | $391,000 | $18,000 | $135,000 |
| Other | 65 | $9,661,000 | $148,000 | $410,000 | $21,000 | $171,000 |
| Debt-To-Income Ratio | 21 | $2,811,000 | $133,000 | $400,000 | $46,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $2,613,000 | $145,000 | $510,000 | $53,000 | $272,000 |
| Employment History | 7 | $725,000 | $103,000 | $165,000 | $4,000 | $34,000 |
| Mortgage Insurance Denied | 5 | $560,000 | $112,000 | $164,000 | $56,000 | $85,000 |
| Unverifiable Information | 4 | $625,000 | $156,000 | $266,000 | $27,000 | $66,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Financial Services, Llc'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 Credit Union Financial Services, Llc'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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with aggregated HMDA statistics today.