Empeople Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Empeople Credit Union of Moline, IL reported 3,556 mortgage applications totaling $642.9 million, up 10% from 2024. The average application was for $180,795, and applicants reported an average income of $142,265. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (653), Portland-South Portland, ME (352) and Des Moines-West Des Moines, IA (253) (applications in parentheses).

Mortgage Company & Address Empeople Credit Union
3950 38th Avenue
Moline, IL 61265
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  
Total Number of Mortgage Applications 3,556
Total Mortgage Loan Application Amount $642,910,000
Average Mortgage Loan Application Amount $180,795
Highest Mortgage Loan Application Amount $1,715,000
Average Applicant Income $142,265
Highest Applicant Income $4,065,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Empeople Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Scott, Iowa 293 $ 59,445,000 $ 202,883 $ 157,000
Rock Island, Illinois 265 $ 29,145,000 $ 109,981 $ 112,000
Cumberland, Maine 246 $ 43,900,000 $ 178,455 $ 154,000
Polk, Iowa 165 $ 32,815,000 $ 198,878 $ 158,000
Black Hawk, Iowa 138 $ 21,340,000 $ 154,637 $ 116,000
Dodge, Wisconsin 100 $ 12,370,000 $ 123,700 $ 114,000
York, Maine 99 $ 18,665,000 $ 188,535 $ 107,000
Dubuque, Iowa 86 $ 15,580,000 $ 181,162 $ 140,000
Henry, Illinois 77 $ 8,955,000 $ 116,298 $ 110,000
Penobscot, Maine 72 $ 9,500,000 $ 131,944 $ 101,000
Dallas, Iowa 52 $ 16,230,000 $ 312,115 $ 171,000
Wake, North Carolina 45 $ 13,965,000 $ 310,333 $ 176,000
Cass, North Dakota 34 $ 6,790,000 $ 199,705 $ 162,000
Columbia, Georgia 26 $ 5,080,000 $ 195,384 $ 145,000
Wapello, Iowa 26 $ 2,560,000 $ 98,461 $ 110,000
Johnson, Kansas 24 $ 7,980,000 $ 332,500 $ 265,000
Bremer, Iowa 23 $ 2,685,000 $ 116,739 $ 118,000
Buchanan, Iowa 22 $ 3,460,000 $ 157,272 $ 130,000
Fond du Lac, Wisconsin 21 $ 4,295,000 $ 204,523 $ 134,000
Greene, Missouri 19 $ 2,335,000 $ 122,894 $ 87,000
Mercer, Illinois 18 $ 2,350,000 $ 130,555 $ 89,000
Grundy, Iowa 17 $ 2,785,000 $ 163,823 $ 141,000
Forsyth, North Carolina 17 $ 2,815,000 $ 165,588 $ 139,000
Grant, Wisconsin 16 $ 2,590,000 $ 161,875 $ 102,000
Cook, Illinois 15 $ 4,085,000 $ 272,333 $ 228,000
Androscoggin, Maine 15 $ 1,785,000 $ 119,000 $ 135,000
Spartanburg, South Carolina 15 $ 1,485,000 $ 99,000 $ 115,000
Jackson, Iowa 14 $ 2,100,000 $ 150,000 $ 134,000
Warren, Iowa 14 $ 2,840,000 $ 202,857 $ 157,000
Clinton, Iowa 13 $ 1,585,000 $ 121,923 $ 99,000
Jasper, Iowa 13 $ 1,065,000 $ 81,923 $ 92,000
Montgomery, Kansas 13 $ 1,255,000 $ 96,538 $ 184,000
Oxford, Maine 13 $ 1,875,000 $ 144,230 $ 122,000
Johnston, North Carolina 13 $ 3,965,000 $ 305,000 $ 144,000
Greenville, South Carolina 13 $ 2,245,000 $ 172,692 $ 179,000
Washington, Wisconsin 13 $ 2,565,000 $ 197,307 $ 140,000
Whiteside, Illinois 12 $ 1,260,000 $ 105,000 $ 109,000
Boone, Iowa 12 $ 1,500,000 $ 125,000 $ 88,000
Linn, Iowa 12 $ 2,450,000 $ 204,166 $ 143,000
Kennebec, Maine 12 $ 1,390,000 $ 115,833 $ 152,000
Guilford, North Carolina 11 $ 2,445,000 $ 222,272 $ 140,000
Maricopa, Arizona 10 $ 3,210,000 $ 321,000 $ 148,000
Douglas, Nebraska 10 $ 1,980,000 $ 198,000 $ 188,000
Harnett, North Carolina 10 $ 1,520,000 $ 152,000 $ 96,000
Pinal, Arizona 9 $ 1,395,000 $ 155,000 $ 108,000
Craighead, Arkansas 9 $ 1,295,000 $ 143,888 $ 69,000
Jo Daviess, Illinois 9 $ 1,535,000 $ 170,555 $ 148,000
Lafourche, Louisiana 9 $ 955,000 $ 106,111 $ 205,000
Jackson, Missouri 9 $ 1,435,000 $ 159,444 $ 172,000
Stokes, North Carolina 9 $ 1,285,000 $ 142,777 $ 86,000
McLennan, Texas 9 $ 1,765,000 $ 196,111 $ 148,000
Lee, Florida 8 $ 2,320,000 $ 290,000 $ 227,000
Cherokee, Georgia 8 $ 2,210,000 $ 276,250 $ 180,000
Knox, Illinois 8 $ 830,000 $ 103,750 $ 141,000
Chickasaw, Iowa 8 $ 1,030,000 $ 128,750 $ 90,000
Davis, Iowa 8 $ 870,000 $ 108,750 $ 96,000
Hennepin, Minnesota 8 $ 3,080,000 $ 385,000 $ 211,000
Davidson, North Carolina 8 $ 1,640,000 $ 205,000 $ 124,000
Harris, Texas 8 $ 870,000 $ 108,750 $ 111,000
Benton, Arkansas 7 $ 1,355,000 $ 193,571 $ 142,000
Manatee, Florida 7 $ 3,615,000 $ 516,428 $ 179,000
Lake, Illinois 7 $ 1,515,000 $ 216,428 $ 138,000
Cedar, Iowa 7 $ 1,145,000 $ 163,571 $ 117,000
Fayette, Iowa 7 $ 725,000 $ 103,571 $ 96,000
Muscatine, Iowa 7 $ 1,025,000 $ 146,428 $ 99,000
Story, Iowa 7 $ 1,255,000 $ 179,285 $ 183,000
Sagadahoc, Maine 7 $ 1,235,000 $ 176,428 $ 130,000
Clay, Missouri 7 $ 1,045,000 $ 149,285 $ 113,000
Aiken, South Carolina 7 $ 775,000 $ 110,714 $ 72,000
York, South Carolina 7 $ 1,845,000 $ 263,571 $ 220,000
Yuma, Arizona 6 $ 1,600,000 $ 266,666 $ 220,000
Denver, Colorado 6 $ 1,780,000 $ 296,666 $ 183,000
Lake, Florida 6 $ 910,000 $ 151,666 $ 125,000
Orange, Florida 6 $ 1,700,000 $ 283,333 $ 462,000
DuPage, Illinois 6 $ 1,730,000 $ 288,333 $ 222,000
McDonough, Illinois 6 $ 650,000 $ 108,333 $ 65,000
Clayton, Iowa 6 $ 430,000 $ 71,666 $ 92,000
Delaware, Iowa 6 $ 800,000 $ 133,333 $ 136,000
Marion, Iowa 6 $ 1,970,000 $ 328,333 $ 167,000
Tama, Iowa 6 $ 1,230,000 $ 205,000 $ 199,000
Hancock, Maine 6 $ 600,000 $ 100,000 $ 326,000
Clay, Minnesota 6 $ 1,100,000 $ 183,333 $ 141,000
Cabarrus, North Carolina 6 $ 2,170,000 $ 361,666 $ 220,000
Durham, North Carolina 6 $ 1,390,000 $ 231,666 $ 143,000
Barnes, North Dakota 6 $ 560,000 $ 93,333 $ 86,000
Green Lake, Wisconsin 6 $ 480,000 $ 80,000 $ 68,000
Lafayette, Wisconsin 6 $ 940,000 $ 156,666 $ 104,000
Baldwin, Alabama 5 $ 865,000 $ 173,000 $ 146,000
Clay, Arkansas 5 $ 745,000 $ 149,000 $ 69,000
Brevard, Florida 5 $ 1,145,000 $ 229,000 $ 170,000
Christian, Illinois 5 $ 355,000 $ 71,000 $ 162,000
Kendall, Illinois 5 $ 2,045,000 $ 409,000 $ 226,000
Will, Illinois 5 $ 1,355,000 $ 271,000 $ 166,000
Guthrie, Iowa 5 $ 725,000 $ 145,000 $ 84,000
Monroe, Iowa 5 $ 355,000 $ 71,000 $ 88,000
Finney, Kansas 5 $ 385,000 $ 77,000 $ 67,000
Sedgwick, Kansas 5 $ 815,000 $ 163,000 $ 126,000
Waldo, Maine 5 $ 1,135,000 $ 227,000 $ 69,000
Rankin, Mississippi 5 $ 605,000 $ 121,000 $ 122,000
Christian, Missouri 5 $ 535,000 $ 107,000 $ 108,000
Phelps, Nebraska 5 $ 105,000 $ 21,000 $ 70,000
Collin, Texas 5 $ 1,795,000 $ 359,000 $ 181,000
Randall, Texas 5 $ 1,615,000 $ 323,000 $ 148,000
Dane, Wisconsin 5 $ 1,205,000 $ 241,000 $ 316,000
Waukesha, Wisconsin 5 $ 1,915,000 $ 383,000 $ 207,000
Pima, Arizona 4 $ 990,000 $ 247,500 $ 136,000
Garland, Arkansas 4 $ 890,000 $ 222,500 $ 143,000
Madera, California 4 $ 530,000 $ 132,500 $ 143,000
Grand, Colorado 4 $ 1,610,000 $ 402,500 $ 333,000
Miami-Dade, Florida 4 $ 860,000 $ 215,000 $ 160,000
Palm Beach, Florida 4 $ 970,000 $ 242,500 $ 236,000
Gwinnett, Georgia 4 $ 1,150,000 $ 287,500 $ 176,000
Champaign, Illinois 4 $ 960,000 $ 240,000 $ 170,000
Butler, Iowa 4 $ 410,000 $ 102,500 $ 95,000
Cerro Gordo, Iowa 4 $ 630,000 $ 157,500 $ 416,000
Johnson, Iowa 4 $ 2,150,000 $ 537,500 $ 217,000
Madison, Iowa 4 $ 1,060,000 $ 265,000 $ 154,000
Wyandotte, Kansas 4 $ 840,000 $ 210,000 $ 128,000
Queen Anne's, Maryland 4 $ 690,000 $ 172,500 $ 304,000
Carver, Minnesota 4 $ 810,000 $ 202,500 $ 144,000
Madison, Mississippi 4 $ 1,410,000 $ 352,500 $ 122,000
Jasper, Missouri 4 $ 240,000 $ 60,000 $ 195,000
Mecklenburg, North Carolina 4 $ 1,300,000 $ 325,000 $ 244,000
Van Wert, Ohio 4 $ 800,000 $ 200,000 $ 130,000
Garfield, Oklahoma 4 $ 430,000 $ 107,500 $ 102,000
Washington, Oklahoma 4 $ 800,000 $ 200,000 $ 122,000
Davidson, Tennessee 4 $ 880,000 $ 220,000 $ 114,000
Hamilton, Tennessee 4 $ 930,000 $ 232,500 $ 174,000
Rutherford, Tennessee 4 $ 1,110,000 $ 277,500 $ 105,000
Denton, Texas 4 $ 1,280,000 $ 320,000 $ 214,000
Ellis, Texas 4 $ 970,000 $ 242,500 $ 385,000
Hunt, Texas 4 $ 770,000 $ 192,500 $ 108,000
Montgomery, Texas 4 $ 660,000 $ 165,000 $ 103,000
Tarrant, Texas 4 $ 550,000 $ 137,500 $ 111,000
Carroll, Virginia 4 $ 360,000 $ 90,000 $ 48,000
Columbia, Wisconsin 4 $ 740,000 $ 185,000 $ 147,000
Poinsett, Arkansas 3 $ 395,000 $ 131,666 $ 117,000
Saline, Arkansas 3 $ 375,000 $ 125,000 $ 130,000
Los Angeles, California 3 $ 845,000 $ 281,666 $ 190,000
Orange, California 3 $ 765,000 $ 255,000 $ 247,000
Riverside, California 3 $ 2,345,000 $ 781,666 $ 289,000
Adams, Colorado 3 $ 325,000 $ 108,333 $ 143,000
Kit Carson, Colorado 3 $ 495,000 $ 165,000 $ 97,000
Larimer, Colorado 3 $ 935,000 $ 311,666 $ 98,000
Escambia, Florida 3 $ 525,000 $ 175,000 $ 209,000
Hillsborough, Florida 3 $ 625,000 $ 208,333 $ 112,000
Cobb, Georgia 3 $ 1,425,000 $ 475,000 $ 204,000
Fulton, Georgia 3 $ 685,000 $ 228,333 $ 328,000
Richmond, Georgia 3 $ 195,000 $ 65,000 $ 238,000
Tift, Georgia 3 $ 315,000 $ 105,000 $ 114,000
Peoria, Illinois 3 $ 725,000 $ 241,666 $ 151,000
Warren, Illinois 3 $ 335,000 $ 111,666 $ 115,000
Woodford, Illinois 3 $ 185,000 $ 61,666 $ 54,000
Floyd, Iowa 3 $ 175,000 $ 58,333 $ 74,000
Fremont, Iowa 3 $ 375,000 $ 125,000 $ 126,000
Jefferson, Iowa 3 $ 195,000 $ 65,000 $ 76,000
Jones, Iowa 3 $ 745,000 $ 248,333 $ 110,000
Keokuk, Iowa 3 $ 525,000 $ 175,000 $ 106,000
Mahaska, Iowa 3 $ 375,000 $ 125,000 $ 133,000
Marshall, Iowa 3 $ 465,000 $ 155,000 $ 186,000
Monona, Iowa 3 $ 355,000 $ 118,333 $ 96,000
Shelby, Iowa 3 $ 535,000 $ 178,333 $ 141,000
Wright, Iowa 3 $ 765,000 $ 255,000 $ 241,000
Crawford, Kansas 3 $ 325,000 $ 108,333 $ 100,000
Shawnee, Kansas 3 $ 425,000 $ 141,666 $ 100,000
Thomas, Kansas 3 $ 445,000 $ 148,333 $ 141,000
Christian, Kentucky 3 $ 515,000 $ 171,666 $ 66,000
Jefferson, Kentucky 3 $ 275,000 $ 91,666 $ 290,000
Logan, Kentucky 3 $ 255,000 $ 85,000 $ 109,000
Avoyelles, Louisiana 3 $ 145,000 $ 48,333 $ 59,000
Aroostook, Maine 3 $ 515,000 $ 171,666 $ 100,000
Kalamazoo, Michigan 3 $ 1,415,000 $ 471,666 $ 131,000
Montcalm, Michigan 3 $ 875,000 $ 291,666 $ 119,000
Oakland, Michigan 3 $ 1,225,000 $ 408,333 $ 217,000
Wayne, Michigan 3 $ 755,000 $ 251,666 $ 107,000
Kandiyohi, Minnesota 3 $ 695,000 $ 231,666 $ 192,000
Scott, Minnesota 3 $ 275,000 $ 91,666 $ 140,000
Bates, Missouri 3 $ 495,000 $ 165,000 $ 154,000
Dade, Missouri 3 $ 255,000 $ 85,000 $ 164,000
Platte, Missouri 3 $ 205,000 $ 68,333 $ 105,000
Webster, Missouri 3 $ 605,000 $ 201,666 $ 305,000
Fergus, Montana 3 $ 1,325,000 $ 441,666 $ 433,000
Lancaster, Nebraska 3 $ 785,000 $ 261,666 $ 146,000
Lincoln, Nebraska 3 $ 85,000 $ 28,333 $ 87,000
Saunders, Nebraska 3 $ 185,000 $ 61,666 $ 143,000
Scotts Bluff, Nebraska 3 $ 375,000 $ 125,000 $ 107,000
Sheridan, Nebraska 3 $ 595,000 $ 198,333 $ 82,000
Grafton, New Hampshire 3 $ 475,000 $ 158,333 $ 67,000
Alamance, North Carolina 3 $ 475,000 $ 158,333 $ 147,000
Randolph, North Carolina 3 $ 385,000 $ 128,333 $ 122,000
Ward, North Dakota 3 $ 465,000 $ 155,000 $ 101,000
Franklin, Ohio 3 $ 225,000 $ 75,000 $ 130,000
Lake, Ohio 3 $ 285,000 $ 95,000 $ 108,000
Lorain, Ohio 3 $ 505,000 $ 168,333 $ 87,000
Le Flore, Oklahoma 3 $ 635,000 $ 211,666 $ 135,000
Wagoner, Oklahoma 3 $ 315,000 $ 105,000 $ 283,000
Multnomah, Oregon 3 $ 255,000 $ 85,000 $ 70,000
Crockett, Tennessee 3 $ 295,000 $ 98,333 $ 80,000
Franklin, Tennessee 3 $ 175,000 $ 58,333 $ 135,000
Gibson, Tennessee 3 $ 395,000 $ 131,666 $ 101,000
Greene, Tennessee 3 $ 625,000 $ 208,333 $ 139,000
Hansford, Texas 3 $ 335,000 $ 111,666 $ 95,000
Smith, Texas 3 $ 195,000 $ 65,000 $ 93,000
Williamson, Texas 3 $ 805,000 $ 268,333 $ 118,000
Utah, Utah 3 $ 535,000 $ 178,333 $ 155,000
Pittsylvania, Virginia 3 $ 285,000 $ 95,000 $ 69,000
Raleigh, West Virginia 3 $ 295,000 $ 98,333 $ 82,000
Webster, West Virginia 3 $ 325,000 $ 108,333 $ 63,000
Brown, Wisconsin 3 $ 985,000 $ 328,333 $ 187,000
Calumet, Wisconsin 3 $ 225,000 $ 75,000 $ 80,000
Chippewa, Wisconsin 3 $ 565,000 $ 188,333 $ 104,000
Jefferson, Wisconsin 3 $ 845,000 $ 281,666 $ 169,000
Marquette, Wisconsin 3 $ 245,000 $ 81,666 $ 190,000
Rock, Wisconsin 3 $ 385,000 $ 128,333 $ 132,000
Madison, Alabama 2 $ 650,000 $ 325,000 $ 169,000
Mobile, Alabama 2 $ 130,000 $ 65,000 $ 88,000
Cleburne, Arkansas 2 $ 70,000 $ 35,000 $ 62,000
Crawford, Arkansas 2 $ 400,000 $ 200,000 $ 131,000
Cross, Arkansas 2 $ 180,000 $ 90,000 $ 104,000
Izard, Arkansas 2 $ 120,000 $ 60,000 $ 85,000
St. Francis, Arkansas 2 $ 230,000 $ 115,000 $ 51,000
Washington, Arkansas 2 $ 540,000 $ 270,000 $ 185,000
Imperial, California 2 $ 290,000 $ 145,000 $ 141,000
Santa Barbara, California 2 $ 490,000 $ 245,000 $ 125,000
Ventura, California 2 $ 250,000 $ 125,000 $ 262,000
Mesa, Colorado 2 $ 340,000 $ 170,000 $ 103,000
Weld, Colorado 2 $ 720,000 $ 360,000 $ 89,000
Collier, Florida 2 $ 620,000 $ 310,000 $ 104,000
Duval, Florida 2 $ 590,000 $ 295,000 $ 214,000
Osceola, Florida 2 $ 580,000 $ 290,000 $ 196,000
Pinellas, Florida 2 $ 200,000 $ 100,000 $ 202,000
Seminole, Florida 2 $ 790,000 $ 395,000 $ 190,000
Walton, Florida 2 $ 1,370,000 $ 685,000 $ 284,000
Carroll, Georgia 2 $ 710,000 $ 355,000 $ 1,069,000
Liberty, Georgia 2 $ 190,000 $ 95,000 $ 67,000
Thomas, Georgia 2 $ 100,000 $ 50,000 $ 146,000
Worth, Georgia 2 $ 160,000 $ 80,000 $ 74,000
Douglas, Illinois 2 $ 140,000 $ 70,000 $ 245,000
Hancock, Illinois 2 $ 200,000 $ 100,000 $ 51,000
Lee, Illinois 2 $ 460,000 $ 230,000 $ 732,000
Tazewell, Illinois 2 $ 350,000 $ 175,000 $ 100,000
Adams, Indiana 2 $ 70,000 $ 35,000 $ 78,000
Hamilton, Indiana 2 $ 830,000 $ 415,000 $ 169,000
Hancock, Indiana 2 $ 90,000 $ 45,000 $ 257,000
Lake, Indiana 2 $ 700,000 $ 350,000 $ 135,000
Morgan, Indiana 2 $ 620,000 $ 310,000 $ 152,000
Benton, Iowa 2 $ 100,000 $ 50,000 $ 89,000
Hamilton, Iowa 2 $ 170,000 $ 85,000 $ 83,000
Hardin, Iowa 2 $ 150,000 $ 75,000 $ 117,000
Mills, Iowa 2 $ 390,000 $ 195,000 $ 135,000
Pottawattamie, Iowa 2 $ 680,000 $ 340,000 $ 104,000
Webster, Iowa 2 $ 290,000 $ 145,000 $ 57,000
Grant, Kansas 2 $ 80,000 $ 40,000 $ 169,000
Kearny, Kansas 2 $ 320,000 $ 160,000 $ 110,000
Marion, Kansas 2 $ 110,000 $ 55,000 $ 51,000
Morton, Kansas 2 $ 100,000 $ 50,000 $ 73,000
Sherman, Kansas 2 $ 320,000 $ 160,000 $ 91,000
Ascension, Louisiana 2 $ 90,000 $ 45,000 $ 136,000
East Baton Rouge, Louisiana 2 $ 470,000 $ 235,000 $ 91,000
Franklin, Louisiana 2 $ 370,000 $ 185,000 $ 106,000
Jefferson Davis, Louisiana 2 $ 280,000 $ 140,000 $ 45,000
Orleans, Louisiana 2 $ 440,000 $ 220,000 $ 202,000
St. Charles, Louisiana 2 $ 480,000 $ 240,000 $ 124,000
Terrebonne, Louisiana 2 $ 320,000 $ 160,000 $ 103,000
Lincoln, Maine 2 $ 590,000 $ 295,000 $ 112,000
Somerset, Maine 2 $ 120,000 $ 60,000 $ 131,000
Bristol, Massachusetts 2 $ 240,000 $ 120,000 $ 100,000
Kittson, Minnesota 2 $ 60,000 $ 30,000 $ 63,000
Le Sueur, Minnesota 2 $ 340,000 $ 170,000 $ 78,000
Lincoln, Minnesota 2 $ 250,000 $ 125,000 $ 112,000
Lyon, Minnesota 2 $ 510,000 $ 255,000 $ 126,000
Otter Tail, Minnesota 2 $ 430,000 $ 215,000 $ 187,000
Winona, Minnesota 2 $ 290,000 $ 145,000 $ 127,000
Wright, Minnesota 2 $ 700,000 $ 350,000 $ 195,000
Calhoun, Mississippi 2 $ 190,000 $ 95,000 $ 173,000
DeSoto, Mississippi 2 $ 1,760,000 $ 880,000 $ 198,000
Hinds, Mississippi 2 $ 530,000 $ 265,000 $ 107,000
Marshall, Mississippi 2 $ 340,000 $ 170,000 $ 85,000
Panola, Mississippi 2 $ 350,000 $ 175,000 $ 64,000
Pontotoc, Mississippi 2 $ 230,000 $ 115,000 $ 88,000
Webster, Mississippi 2 $ 360,000 $ 180,000 $ 98,000
Yazoo, Mississippi 2 $ 280,000 $ 140,000 $ 113,000
Barton, Missouri 2 $ 770,000 $ 385,000 $ 176,000
Camden, Missouri 2 $ 1,280,000 $ 640,000 $ 349,000
Cass, Missouri 2 $ 140,000 $ 70,000 $ 168,000
Hickory, Missouri 2 $ 150,000 $ 75,000 $ 202,000
Mississippi, Missouri 2 $ 120,000 $ 60,000 $ 85,000
Polk, Missouri 2 $ 510,000 $ 255,000 $ 84,000
St. Charles, Missouri 2 $ 450,000 $ 225,000 $ 110,000
Glacier, Montana 2 $ 120,000 $ 60,000 $ 71,000
Adams, Nebraska 2 $ 320,000 $ 160,000 $ 135,000
Buffalo, Nebraska 2 $ 600,000 $ 300,000 $ 999,000
Cheyenne, Nebraska 2 $ 230,000 $ 115,000 $ 87,000
Dawson, Nebraska 2 $ 220,000 $ 110,000 $ 76,000
Keith, Nebraska 2 $ 350,000 $ 175,000 $ 154,000
Red Willow, Nebraska 2 $ 310,000 $ 155,000 $ 116,000
Thurston, Nebraska 2 $ 100,000 $ 50,000 $ 77,000
York, Nebraska 2 $ 360,000 $ 180,000 $ 81,000
Clark, Nevada 2 $ 200,000 $ 100,000 $ 129,000
Washoe, Nevada 2 $ 860,000 $ 430,000 $ 243,000
Rockingham, New Hampshire 2 $ 1,460,000 $ 730,000 $ 198,000
Strafford, New Hampshire 2 $ 1,090,000 $ 545,000 $ 1,210,000
Warren, New Jersey 2 $ 1,110,000 $ 555,000 $ 405,000
Bernalillo, New Mexico 2 $ 310,000 $ 155,000 $ 126,000
Jefferson, New York 2 $ 780,000 $ 390,000 $ 237,000
Saratoga, New York 2 $ 230,000 $ 115,000 $ 154,000
Beaufort, North Carolina 2 $ 420,000 $ 210,000 $ 184,000
Carteret, North Carolina 2 $ 360,000 $ 180,000 $ 103,000
Catawba, North Carolina 2 $ 150,000 $ 75,000 $ 93,000
Macon, North Carolina 2 $ 330,000 $ 165,000 $ 70,000
Pitt, North Carolina 2 $ 350,000 $ 175,000 $ 116,000
Rockingham, North Carolina 2 $ 180,000 $ 90,000 $ 79,000
Yadkin, North Carolina 2 $ 140,000 $ 70,000 $ 68,000
Pembina, North Dakota 2 $ 420,000 $ 210,000 $ 246,000
Richland, North Dakota 2 $ 410,000 $ 205,000 $ 120,000
Sargent, North Dakota 2 $ 150,000 $ 75,000 $ 93,000
Williams, North Dakota 2 $ 700,000 $ 350,000 $ 230,000
Brown, Ohio 2 $ 150,000 $ 75,000 $ 313,000
Delaware, Ohio 2 $ 600,000 $ 300,000 $ 234,000
Logan, Ohio 2 $ 270,000 $ 135,000 $ 155,000
Medina, Ohio 2 $ 370,000 $ 185,000 $ 170,000
Miami, Ohio 2 $ 240,000 $ 120,000 $ 135,000
Richland, Ohio 2 $ 190,000 $ 95,000 $ 94,000
Warren, Ohio 2 $ 320,000 $ 160,000 $ 218,000
Wood, Ohio 2 $ 260,000 $ 130,000 $ 148,000
Marshall, Oklahoma 2 $ 190,000 $ 95,000 $ 47,000
Oklahoma, Oklahoma 2 $ 440,000 $ 220,000 $ 171,000
Umatilla, Oregon 2 $ 170,000 $ 85,000 $ 123,000
Chester, Pennsylvania 2 $ 540,000 $ 270,000 $ 139,000
Juniata, Pennsylvania 2 $ 80,000 $ 40,000 $ 116,000
York, Pennsylvania 2 $ 290,000 $ 145,000 $ 210,000
Charleston, South Carolina 2 $ 210,000 $ 105,000 $ 162,000
Minnehaha, South Dakota 2 $ 600,000 $ 300,000 $ 81,000
Lauderdale, Tennessee 2 $ 120,000 $ 60,000 $ 53,000
McMinn, Tennessee 2 $ 1,050,000 $ 525,000 $ 300,000
McNairy, Tennessee 2 $ 130,000 $ 65,000 $ 94,000
Monroe, Tennessee 2 $ 300,000 $ 150,000 $ 168,000
Weakley, Tennessee 2 $ 580,000 $ 290,000 $ 298,000
Williamson, Tennessee 2 $ 900,000 $ 450,000 $ 280,000
Bell, Texas 2 $ 470,000 $ 235,000 $ 105,000
Jefferson, Texas 2 $ 440,000 $ 220,000 $ 79,000
Jim Wells, Texas 2 $ 260,000 $ 130,000 $ 107,000
Lubbock, Texas 2 $ 390,000 $ 195,000 $ 163,000
Midland, Texas 2 $ 460,000 $ 230,000 $ 299,000
Salt Lake, Utah 2 $ 300,000 $ 150,000 $ 350,000
Washington, Vermont 2 $ 400,000 $ 200,000 $ 95,000
Alexandria, Virginia 2 $ 240,000 $ 120,000 $ 122,000
Loudoun, Virginia 2 $ 790,000 $ 395,000 $ 216,000
Benton, Washington 2 $ 380,000 $ 190,000 $ 89,000
Clark, Washington 2 $ 1,320,000 $ 660,000 $ 162,000
Franklin, Washington 2 $ 810,000 $ 405,000 $ 105,000
Grant, Washington 2 $ 380,000 $ 190,000 $ 105,000
Skagit, Washington 2 $ 280,000 $ 140,000 $ 317,000
Whatcom, Washington 2 $ 790,000 $ 395,000 $ 153,000
Yakima, Washington 2 $ 300,000 $ 150,000 $ 339,000
Wood, West Virginia 2 $ 170,000 $ 85,000 $ 58,000
Vernon, Wisconsin 2 $ 510,000 $ 255,000 $ 59,000
Walworth, Wisconsin 2 $ 160,000 $ 80,000 $ 41,000
Fremont, Wyoming 2 $ 190,000 $ 95,000 $ 94,000
Houston, Alabama 1 $ 225,000 $ 225,000 $ 253,000
Marshall, Alabama 1 $ 405,000 $ 405,000 $ 142,000
Monroe, Alabama 1 $ 255,000 $ 255,000 $ 156,000
Cochise, Arizona 1 $ 35,000 $ 35,000 $ 39,000
Coconino, Arizona 1 $ 205,000 $ 205,000 $ 202,000
Yavapai, Arizona 1 $ 55,000 $ 55,000 $ 45,000
Arkansas, Arkansas 1 $ 185,000 $ 185,000 $ 150,000
Carroll, Arkansas 1 $ 265,000 $ 265,000 $ 231,000
Desha, Arkansas 1 $ 255,000 $ 255,000 $ 107,000
Faulkner, Arkansas 1 $ 25,000 $ 25,000 $ 48,000
Grant, Arkansas 1 $ 15,000 $ 15,000 $ 62,000
Greene, Arkansas 1 $ 65,000 $ 65,000 $ 100,000
Johnson, Arkansas 1 $ 35,000 $ 35,000 $ 75,000
Lawrence, Arkansas 1 $ 45,000 $ 45,000 $ 101,000
Lonoke, Arkansas 1 $ 545,000 $ 545,000 $ 245,000
Marion, Arkansas 1 $ 105,000 $ 105,000 $ 127,000
Sevier, Arkansas 1 $ 45,000 $ 45,000 $ 116,000
White, Arkansas 1 $ 125,000 $ 125,000 $ 77,000
Kings, California 1 $ 285,000 $ 285,000 $ 113,000
Placer, California 1 $ 85,000 $ 85,000 $ 205,000
Sacramento, California 1 $ 35,000 $ 35,000 $ 110,000
San Bernardino, California 1 $ 65,000 $ 65,000 $ 125,000
San Diego, California 1 $ 255,000 $ 255,000 $ 236,000
San Joaquin, California 1 $ 25,000 $ 25,000 $ 82,000
Santa Clara, California 1 $ 205,000 $ 205,000 $ 624,000
Sonoma, California 1 $ 445,000 $ 445,000 $ 210,000
Stanislaus, California 1 $ 605,000 $ 605,000 $ 309,000
Arapahoe, Colorado 1 $ 215,000 $ 215,000 $ 80,000
Bent, Colorado 1 $ 65,000 $ 65,000 $ 36,000
Boulder, Colorado 1 $ 395,000 $ 395,000 $ 78,000
El Paso, Colorado 1 $ 715,000 $ 715,000 $ 156,000
Elbert, Colorado 1 $ 205,000 $ 205,000 $ 197,000
Garfield, Colorado 1 $ 285,000 $ 285,000 $ 1,498,000
Logan, Colorado 1 $ 215,000 $ 215,000 $ 46,000
Montezuma, Colorado 1 $ 65,000 $ 65,000 $ 87,000
Otero, Colorado 1 $ 105,000 $ 105,000 $ 62,000
Teller, Colorado 1 $ 265,000 $ 265,000 $ 127,000
Yuma, Colorado 1 $ 75,000 $ 75,000 $ 115,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 85,000 $ 85,000 $ 101,000
Broward, Florida 1 $ 35,000 $ 35,000 $ 140,000
Charlotte, Florida 1 $ 105,000 $ 105,000 $ 107,000
Jackson, Florida 1 $ 85,000 $ 85,000 $ 71,000
Leon, Florida 1 $ 285,000 $ 285,000 $ 110,000
Marion, Florida 1 $ 165,000 $ 165,000 $ 71,000
Monroe, Florida 1 $ 205,000 $ 205,000 $ 84,000
Sarasota, Florida 1 $ 55,000 $ 55,000 $ 129,000
St. Johns, Florida 1 $ 665,000 $ 665,000 $ 166,000
St. Lucie, Florida 1 $ 125,000 $ 125,000 $ 154,000
Butts, Georgia 1 $ 25,000 $ 25,000 $ 65,000
Camden, Georgia 1 $ 275,000 $ 275,000 $ 24,000
Colquitt, Georgia 1 $ 25,000 $ 25,000 $ 59,000
Crisp, Georgia 1 $ 275,000 $ 275,000 $ 140,000
Fayette, Georgia 1 $ 575,000 $ 575,000 $ 446,000
Glynn, Georgia 1 $ 295,000 $ 295,000 $ 111,000
Greene, Georgia 1 $ 805,000 $ 805,000 $ 411,000
Haralson, Georgia 1 $ 105,000 $ 105,000 $ 128,000
Houston, Georgia 1 $ 65,000 $ 65,000 $ 87,000
Miller, Georgia 1 $ 455,000 $ 455,000 $ 123,000
Newton, Georgia 1 $ 25,000 $ 25,000 $ 63,000
Rockdale, Georgia 1 $ 205,000 $ 205,000 $ 83,000
Walker, Georgia 1 $ 115,000 $ 115,000 $ 150,000
Bannock, Idaho 1 $ 435,000 $ 435,000 $ 99,000
Bonneville, Idaho 1 $ 55,000 $ 55,000 $ 69,000
Canyon, Idaho 1 $ 55,000 $ 55,000 $ 137,000
Jefferson, Idaho 1 $ 255,000 $ 255,000 $ 134,000
Carroll, Illinois 1 $ 45,000 $ 45,000 $ 56,000
Fulton, Illinois 1 $ 345,000 $ 345,000 $ 187,000
Henderson, Illinois 1 $ 245,000 $ 245,000 $ 122,000
Kane, Illinois 1 $ 365,000 $ 365,000 $ 135,000
Madison, Illinois 1 $ 105,000 $ 105,000 $ 248,000
Marion, Illinois 1 $ 195,000 $ 195,000 $ 72,000
McHenry, Illinois 1 $ 75,000 $ 75,000 $ 148,000
McLean, Illinois 1 $ 55,000 $ 55,000 $ 46,000
Morgan, Illinois 1 $ 105,000 $ 105,000 $ 193,000
Ogle, Illinois 1 $ 205,000 $ 205,000 $ 107,000
Pike, Illinois 1 $ 45,000 $ 45,000 $ 83,000
Shelby, Illinois 1 $ 295,000 $ 295,000 $ 138,000
Vermilion, Illinois 1 $ 65,000 $ 65,000 $ 58,000
Winnebago, Illinois 1 $ 115,000 $ 115,000 $ 107,000
Carroll, Indiana 1 $ 105,000 $ 105,000 $ 194,000
Daviess, Indiana 1 $ 405,000 $ 405,000 $ 161,000
Johnson, Indiana 1 $ 155,000 $ 155,000 $ 56,000
Knox, Indiana 1 $ 65,000 $ 65,000 $ 72,000
Marion, Indiana 1 $ 35,000 $ 35,000 $ 63,000
Monroe, Indiana 1 $ 445,000 $ 445,000 $ 267,000
Pike, Indiana 1 $ 75,000 $ 75,000 $ 92,000
Tippecanoe, Indiana 1 $ 115,000 $ 115,000 $ 129,000
Whitley, Indiana 1 $ 85,000 $ 85,000 $ 70,000
Adair, Iowa 1 $ 115,000 $ 115,000 $ 110,000
Allamakee, Iowa 1 $ 225,000 $ 225,000 $ 290,000
Appanoose, Iowa 1 $ 205,000 $ 205,000 $ 91,000
Audubon, Iowa 1 $ 295,000 $ 295,000 $ 162,000
Buena Vista, Iowa 1 $ 235,000 $ 235,000 $ 100,000
Carroll, Iowa 1 $ 135,000 $ 135,000 $ 77,000
Clarke, Iowa 1 $ 205,000 $ 205,000 $ 103,000
Clay, Iowa 1 $ 135,000 $ 135,000 $ 125,000
Des Moines, Iowa 1 $ 45,000 $ 45,000 $ 83,000
Dickinson, Iowa 1 $ 645,000 $ 645,000 $ 185,000
Greene, Iowa 1 $ 35,000 $ 35,000 $ 75,000
Henry, Iowa 1 $ 125,000 $ 125,000 $ 52,000
Humboldt, Iowa 1 $ 205,000 $ 205,000 $ 100,000
Lee, Iowa 1 $ 145,000 $ 145,000 $ 85,000
Lucas, Iowa 1 $ 355,000 $ 355,000 $ 108,000
Montgomery, Iowa 1 $ 15,000 $ 15,000 $ 66,000
Plymouth, Iowa 1 $ 125,000 $ 125,000 $ 148,000
Poweshiek, Iowa 1 $ 255,000 $ 255,000 $ 148,000
Sac, Iowa 1 $ 145,000 $ 145,000 $ 89,000
Winneshiek, Iowa 1 $ 375,000 $ 375,000 $ 174,000
Woodbury, Iowa 1 $ 85,000 $ 85,000 $ 72,000
Allen, Kansas 1 $ 375,000 $ 375,000 $ 169,000
Anderson, Kansas 1 $ 25,000 $ 25,000 $ 62,000
Butler, Kansas 1 $ 235,000 $ 235,000 $ 111,000
Cherokee, Kansas 1 $ 55,000 $ 55,000 $ 103,000
Cheyenne, Kansas 1 $ 15,000 $ 15,000 $ 61,000
Cloud, Kansas 1 $ 125,000 $ 125,000 $ 75,000
Doniphan, Kansas 1 $ 405,000 $ 405,000 $ 139,000
Douglas, Kansas 1 $ 155,000 $ 155,000 $ 216,000
Ford, Kansas 1 $ 55,000 $ 55,000 $ 81,000
Franklin, Kansas 1 $ 165,000 $ 165,000 $ 193,000
Harper, Kansas 1 $ 25,000 $ 25,000 $ 57,000
Harvey, Kansas 1 $ 125,000 $ 125,000 $ 49,000
Haskell, Kansas 1 $ 55,000 $ 55,000 $ 44,000
Labette, Kansas 1 $ 125,000 $ 125,000 $ 59,000
Leavenworth, Kansas 1 $ 225,000 $ 225,000 $ 71,000
Lincoln, Kansas 1 $ 55,000 $ 55,000 $ 66,000
Linn, Kansas 1 $ 305,000 $ 305,000 $ 148,000
McPherson, Kansas 1 $ 135,000 $ 135,000 $ 55,000
Miami, Kansas 1 $ 255,000 $ 255,000 $ 184,000
Mitchell, Kansas 1 $ 75,000 $ 75,000 $ 96,000
Osage, Kansas 1 $ 355,000 $ 355,000 $ 349,000
Phillips, Kansas 1 $ 205,000 $ 205,000 $ 120,000
Rawlins, Kansas 1 $ 45,000 $ 45,000 $ 18,000
Reno, Kansas 1 $ 205,000 $ 205,000 $ 77,000
Stevens, Kansas 1 $ 15,000 $ 15,000 $ 106,000
Wallace, Kansas 1 $ 25,000 $ 25,000 $ 109,000
Hardin, Kentucky 1 $ 65,000 $ 65,000 $ 171,000
Acadia, Louisiana 1 $ 45,000 $ 45,000 $ 157,000
Cameron, Louisiana 1 $ 55,000 $ 55,000 $ 51,000
Lafayette, Louisiana 1 $ 25,000 $ 25,000 $ 114,000
Madison, Louisiana 1 $ 45,000 $ 45,000 $ 118,000
Rapides, Louisiana 1 $ 155,000 $ 155,000 $ 99,000
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Mortgage Loan Application Detail Totals for Empeople Credit Union in 2025

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 1,219 $331,335,000 $271,000 $1,715,000 $154,000 $4,065,000
Refinancing 827 $135,735,000 $164,000 $1,455,000 $155,000 $2,054,000
Other Purpose 751 $62,375,000 $83,000 $605,000 $123,000 $2,198,000
Home Improvement 437 $36,455,000 $83,000 $305,000 $132,000 $1,404,000
Cash-out Refinancing 322 $77,010,000 $239,000 $1,025,000 $124,000 $700,000
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 2,007 $400,395,000 $199,000 $1,715,000 $145,000 $2,291,000
Not Provided 1,263 $179,365,000 $142,000 $1,365,000 $135,000 $4,065,000
Hispanic 122 $23,810,000 $195,000 $765,000 $143,000 $2,054,000
Black or African American 79 $14,905,000 $188,000 $575,000 $133,000 $1,440,000
Asian 64 $20,550,000 $321,000 $745,000 $184,000 $430,000
American Indian or Alaskan Native 18 $3,680,000 $204,000 $945,000 $160,000 $673,000
Native Hawaiian or Other Pacific Islander 3 $205,000 $68,000 $115,000 $87,000 $102,000
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) 3,556 $642,910,000 $180,000 $1,715,000 $142,000 $4,065,000
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 2,166 $389,290,000 $179,000 $1,455,000 $144,000 $4,065,000
Application Denied By Financial Institution 756 $94,390,000 $124,000 $775,000 $112,000 $2,054,000
Application Withdrawn By Applicant 501 $125,035,000 $249,000 $1,715,000 $179,000 $2,291,000
File Closed For Incompleteness 113 $29,715,000 $262,000 $945,000 $129,000 $673,000
Application Approved But Not Accepted 20 $4,480,000 $224,000 $575,000 $140,000 $326,000
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 2,800 $548,520,000 $195,000 $1,715,000 $150,000 $4,065,000
Debt-To-Income Ratio 291 $41,815,000 $143,000 $775,000 $86,000 $288,000
Credit History 261 $28,685,000 $109,000 $625,000 $130,000 $2,054,000
Credit Application Incomplete 74 $6,170,000 $83,000 $275,000 $125,000 $900,000
Collateral 65 $9,455,000 $145,000 $695,000 $146,000 $2,016,000
Other 46 $5,760,000 $125,000 $455,000 $111,000 $400,000
Unverifiable Information 10 $680,000 $68,000 $205,000 $122,000 $235,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,480,000 $185,000 $305,000 $73,000 $128,000
Employment History 1 $345,000 $345,000 $345,000 $135,000 $135,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2025 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 Empeople 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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