Credit Union Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Credit Union Of America 2023 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 Of America 711 W Douglas Wichita, KS 67213 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 | 1,882 |
| Total Mortgage Loan Application Amount | $233,630,000 |
| Average Mortgage Loan Application Amount | $97,600 |
| Highest Mortgage Loan Application Amount | $28,005,000 |
| Average Applicant Income | $99,600 |
| Highest Applicant Income | $2,100,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Credit Union Of America. 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 Of America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Credit Union Of America'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 Of America serves its applicants.
Each category highlights the total number of mortgage applications processed by Credit Union Of America, 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 Of America's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sedgwick County Kansas | 1,329 | $ 148,875,000 | $ 112,000 | $ 102,000 |
| Butler County Kansas | 115 | $ 15,475,000 | $ 134,000 | $ 114,000 |
| Barton County Kansas | 86 | $ 5,780,000 | $ 67,000 | $ 90,000 |
| Reno County Kansas | 54 | $ 4,890,000 | $ 90,000 | $ 83,000 |
| Pratt County Kansas | 44 | $ 3,350,000 | $ 76,000 | $ 102,000 |
| Sumner County Kansas | 30 | $ 2,710,000 | $ 90,000 | $ 88,000 |
| Saline County Kansas | 21 | $ 1,985,000 | $ 94,000 | $ 79,000 |
| Harvey County Kansas | 17 | $ 2,435,000 | $ 143,000 | $ 112,000 |
| Kingman County Kansas | 13 | $ 1,235,000 | $ 95,000 | $ 74,000 |
| Pawnee County Kansas | 13 | $ 765,000 | $ 58,000 | $ 70,000 |
| Cowley County Kansas | 12 | $ 1,950,000 | $ 162,000 | $ 112,000 |
| Stafford County Kansas | 11 | $ 735,000 | $ 66,000 | $ 73,000 |
| Rice County Kansas | 7 | $ 365,000 | $ 52,000 | $ 75,000 |
| Shawnee County Kansas | 7 | $ 715,000 | $ 102,000 | $ 73,000 |
| Harper County Kansas | 6 | $ 220,000 | $ 36,000 | $ 83,000 |
| Marion County Kansas | 5 | $ 475,000 | $ 95,000 | $ 107,000 |
| Ottawa County Kansas | 5 | $ 425,000 | $ 85,000 | $ 95,000 |
| Barber County Kansas | 4 | $ 230,000 | $ 57,000 | $ 56,000 |
| Pottawatomie County Kansas | 4 | $ 270,000 | $ 67,000 | $ 106,000 |
| Riley County Kansas | 4 | $ 550,000 | $ 137,000 | $ 114,000 |
| Russell County Kansas | 4 | $ 300,000 | $ 75,000 | $ 57,000 |
| Edwards County Kansas | 3 | $ 315,000 | $ 105,000 | $ 136,000 |
| Ellsworth County Kansas | 3 | $ 295,000 | $ 98,000 | $ 81,000 |
| Johnson County Kansas | 3 | $ 595,000 | $ 198,000 | $ 143,000 |
| Mitchell County Kansas | 3 | $ 255,000 | $ 85,000 | $ 92,000 |
| Morris County Kansas | 3 | $ 995,000 | $ 331,000 | $ 101,000 |
| Harris County Texas | 3 | $ 765,000 | $ 255,000 | $ 38,000 |
| Cook County Illinois | 2 | $ 280,000 | $ 140,000 | $ 55,000 |
| Cloud County Kansas | 2 | $ 90,000 | $ 45,000 | $ 260,000 |
| Crawford County Kansas | 2 | $ 80,000 | $ 40,000 | $ 106,000 |
| Dickinson County Kansas | 2 | $ 200,000 | $ 100,000 | $ 59,000 |
| Douglas County Kansas | 2 | $ 330,000 | $ 165,000 | $ 66,000 |
| Ellis County Kansas | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Ford County Kansas | 2 | $ 60,000 | $ 30,000 | $ 87,000 |
| Greenwood County Kansas | 2 | $ 140,000 | $ 70,000 | $ 152,000 |
| Kiowa County Kansas | 2 | $ 330,000 | $ 165,000 | $ 105,000 |
| McPherson County Kansas | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Rush County Kansas | 2 | $ 100,000 | $ 50,000 | $ 53,000 |
| Wyandotte County Kansas | 2 | $ 310,000 | $ 155,000 | $ 56,000 |
| Jackson County Missouri | 2 | $ 310,000 | $ 155,000 | $ 84,000 |
| Jasper County Missouri | 2 | $ 370,000 | $ 185,000 | $ 77,000 |
| Stone County Missouri | 2 | $ 130,000 | $ 65,000 | $ 181,000 |
| Van Buren County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 306,000 |
| Los Angeles County California | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Riverside County California | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| El Paso County Colorado | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Hillsborough County Florida | 1 | $ 55,000 | $ 55,000 | $ 208,000 |
| Allen County Kansas | 1 | $ 45,000 | $ 45,000 | $ 182,000 |
| Atchison County Kansas | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Chase County Kansas | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Finney County Kansas | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Franklin County Kansas | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Geary County Kansas | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Hodgeman County Kansas | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Lincoln County Kansas | 1 | $ 475,000 | $ 475,000 | $ 306,000 |
| Meade County Kansas | 1 | $ 15,000 | $ 15,000 | $ 170,000 |
| Miami County Kansas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Montgomery County Kansas | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Nemaha County Kansas | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Smith County Kansas | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Wabaunsee County Kansas | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Redwood County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| St. Louis County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 241,000 |
| Camden County Missouri | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Christian County Missouri | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Clay County Missouri | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Hickory County Missouri | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Moniteau County Missouri | 1 | $ 135,000 | $ 135,000 | $ 183,000 |
| Newton County Missouri | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Haskell County Oklahoma | 1 | $ 475,000 | $ 475,000 | $ 195,000 |
| Kay County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Osage County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Rogers County Oklahoma | 1 | $ 585,000 | $ 585,000 | $ 198,000 |
| Tulsa County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Credit Union Of America in 2023
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 Purchase | 813 | $174,955,000 | $215,000 | $28,005,000 | $104,000 | $2,100,000 |
| Home Improvement | 449 | $18,045,000 | $40,000 | $205,000 | $99,000 | $382,000 |
| Other Purpose | 328 | $13,530,000 | $41,000 | $155,000 | $100,000 | $970,000 |
| Refinancing | 222 | $19,850,000 | $89,000 | $535,000 | $103,000 | $703,000 |
| Cash-out Refinancing | 70 | $7,250,000 | $103,000 | $305,000 | $92,000 | $663,000 |
| 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 | 1,286 | $166,210,000 | $129,000 | $28,005,000 | $105,000 | $2,100,000 |
| Hispanic | 229 | $22,145,000 | $96,000 | $605,000 | $84,000 | $800,000 |
| Not Provided | 202 | $26,400,000 | $130,000 | $705,000 | $95,000 | $683,000 |
| Black or African American | 87 | $8,055,000 | $92,000 | $735,000 | $90,000 | $375,000 |
| Asian | 51 | $6,535,000 | $128,000 | $545,000 | $143,000 | $970,000 |
| American Indian or Alaskan Native | 21 | $3,315,000 | $157,000 | $505,000 | $87,000 | $176,000 |
| Not applicable | 4 | $440,000 | $110,000 | $175,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $530,000 | $265,000 | $315,000 | $84,000 | $110,000 |
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) | 1,797 | $219,145,000 | $121,000 | $28,005,000 | $102,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 67 | $11,305,000 | $168,000 | $535,000 | $84,000 | $484,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,020,000 | $102,000 | $225,000 | $87,000 | $306,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,160,000 | $270,000 | $485,000 | $102,000 | $185,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 933 | $105,065,000 | $112,000 | $825,000 | $109,000 | $683,000 |
| Application Denied By Financial Institution | 588 | $76,420,000 | $129,000 | $28,005,000 | $90,000 | $2,100,000 |
| Application Approved But Not Accepted | 246 | $36,980,000 | $150,000 | $685,000 | $109,000 | $650,000 |
| Application Withdrawn By Applicant | 102 | $13,730,000 | $134,000 | $475,000 | $85,000 | $484,000 |
| File Closed For Incompleteness | 13 | $1,435,000 | $110,000 | $305,000 | $111,000 | $663,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,294 | $157,210,000 | $121,000 | $825,000 | $107,000 | $683,000 |
| Credit History | 246 | $17,190,000 | $69,000 | $535,000 | $93,000 | $1,200,000 |
| Debt-To-Income Ratio | 192 | $19,430,000 | $101,000 | $645,000 | $70,000 | $970,000 |
| Collateral | 82 | $4,380,000 | $53,000 | $305,000 | $105,000 | $650,000 |
| Unverifiable Information | 28 | $1,960,000 | $70,000 | $215,000 | $99,000 | $423,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $2,735,000 | $130,000 | $395,000 | $66,000 | $110,000 |
| Other | 12 | $29,870,000 | $2,489,000 | $28,005,000 | $298,000 | $2,100,000 |
| Employment History | 6 | $800,000 | $133,000 | $245,000 | $73,000 | $142,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Of America's 2023 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 Of America'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.