Empeople Credit Union Mortgage Lending & HMDA Data, 2010

In 2010, Empeople Credit Union of Moline, IL reported 1,231 mortgage applications totaling $171.1 million. The average application was for $139,015, and applicants reported an average income of $94,239. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (362), Waterloo-Cedar Falls, IA (135) and Des Moines-West Des Moines, IA (130) (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 1,231
Total Mortgage Loan Application Amount $171,128,000
Average Mortgage Loan Application Amount $139,015
Highest Mortgage Loan Application Amount $784,000
Average Applicant Income $94,239
Highest Applicant Income $515,000

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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Rock Island, Illinois 161 $ 13,050,000 $ 81,055 $ 83,000
Scott, Iowa 159 $ 29,279,000 $ 184,144 $ 114,000
Polk, Iowa 114 $ 13,852,000 $ 121,508 $ 100,000
Black Hawk, Iowa 113 $ 12,966,000 $ 114,743 $ 82,000
Wake, North Carolina 47 $ 9,558,000 $ 203,361 $ 120,000
Henry, Illinois 43 $ 4,214,000 $ 98,000 $ 94,000
Johnson, Kansas 30 $ 7,130,000 $ 237,666 $ 115,000
Bremer, Iowa 20 $ 2,833,000 $ 141,650 $ 89,000
Dallas, Iowa 16 $ 2,332,000 $ 145,750 $ 111,000
Greenville, South Carolina 15 $ 1,081,000 $ 72,066 $ 96,000
Mercer, Illinois 13 $ 1,459,000 $ 112,230 $ 74,000
Columbia, Georgia 12 $ 1,967,000 $ 163,916 $ 99,000
Buchanan, Iowa 10 $ 1,180,000 $ 118,000 $ 67,000
Montgomery, Kansas 10 $ 633,000 $ 63,300 $ 74,000
Dane, Wisconsin 9 $ 1,198,000 $ 133,111 $ 82,000
Fayette, Iowa 8 $ 583,000 $ 72,875 $ 69,000
Dubuque, Iowa 7 $ 1,219,000 $ 174,142 $ 116,000
Warren, Iowa 7 $ 1,090,000 $ 155,714 $ 96,000
Maricopa, Arizona 6 $ 1,017,000 $ 169,500 $ 96,000
Johnston, North Carolina 6 $ 936,000 $ 156,000 $ 88,000
Greene, Tennessee 6 $ 618,000 $ 103,000 $ 76,000
Cook, Illinois 5 $ 896,000 $ 179,200 $ 109,000
Butler, Iowa 5 $ 251,000 $ 50,200 $ 67,000
Clinton, Iowa 5 $ 632,000 $ 126,400 $ 75,000
Wapello, Iowa 5 $ 346,000 $ 69,200 $ 110,000
Lafourche, Louisiana 5 $ 747,000 $ 149,400 $ 85,000
Spartanburg, South Carolina 5 $ 564,000 $ 112,800 $ 70,000
Richmond, Georgia 4 $ 347,000 $ 86,750 $ 38,000
Knox, Illinois 4 $ 84,000 $ 21,000 $ 171,000
Whiteside, Illinois 4 $ 447,000 $ 111,750 $ 92,000
Grundy, Iowa 4 $ 431,000 $ 107,750 $ 117,000
Tama, Iowa 4 $ 475,000 $ 118,750 $ 71,000
Forsyth, North Carolina 4 $ 171,000 $ 42,750 $ 44,000
Denton, Texas 4 $ 288,000 $ 72,000 $ 99,000
San Diego, California 3 $ 1,217,000 $ 405,666 $ 111,000
Broward, Florida 3 $ 686,000 $ 228,666 $ 143,000
Lee, Florida 3 $ 1,092,000 $ 364,000 $ 116,000
Newton, Georgia 3 $ 383,000 $ 127,666 $ 57,000
Kane, Illinois 3 $ 950,000 $ 316,666 $ 142,000
Chickasaw, Iowa 3 $ 99,000 $ 33,000 $ 38,000
Jasper, Iowa 3 $ 374,000 $ 124,666 $ 84,000
Johnson, Iowa 3 $ 644,000 $ 214,666 $ 118,000
Hennepin, Minnesota 3 $ 621,000 $ 207,000 $ 146,000
Barnes, North Dakota 3 $ 246,000 $ 82,000 $ 69,000
Cass, North Dakota 3 $ 398,000 $ 132,666 $ 80,000
Benton, Arkansas 2 $ 113,000 $ 56,500 $ 69,000
Los Angeles, California 2 $ 150,000 $ 75,000 $ 170,000
San Joaquin, California 2 $ 21,000 $ 10,500 $ 74,000
Douglas, Colorado 2 $ 432,000 $ 216,000 $ 92,000
Larimer, Colorado 2 $ 378,000 $ 189,000 $ 100,000
Fulton, Georgia 2 $ 648,000 $ 324,000 $ 104,000
Gwinnett, Georgia 2 $ 195,000 $ 97,500 $ 35,000
McDuffie, Georgia 2 $ 289,000 $ 144,500 $ 117,000
Boone, Iowa 2 $ 105,000 $ 52,500 $ 95,000
Clarke, Iowa 2 $ 140,000 $ 70,000 $ 80,000
Jefferson, Iowa 2 $ 63,000 $ 31,500 $ 80,000
Linn, Iowa 2 $ 232,000 $ 116,000 $ 84,000
Story, Iowa 2 $ 110,000 $ 55,000 $ 58,000
Union, Iowa 2 $ 212,000 $ 106,000 $ 63,000
Terrebonne, Louisiana 2 $ 235,000 $ 117,500 $ 82,000
Carver, Minnesota 2 $ 242,000 $ 121,000 $ 76,000
Pearl River, Mississippi 2 $ 128,000 $ 64,000 $ 33,000
Camden, Missouri 2 $ 342,000 $ 171,000 $ 179,000
Alamance, North Carolina 2 $ 359,000 $ 179,500 $ 67,000
Chatham, North Carolina 2 $ 685,000 $ 342,500 $ 187,000
Durham, North Carolina 2 $ 483,000 $ 241,500 $ 93,000
Mecklenburg, North Carolina 2 $ 201,000 $ 100,500 $ 59,000
Cocke, Tennessee 2 $ 124,000 $ 62,000 $ 41,000
Rutherford, Tennessee 2 $ 420,000 $ 210,000 $ 102,000
Washington, Tennessee 2 $ 566,000 $ 283,000 $ 125,000
Harris, Texas 2 $ 397,000 $ 198,500 $ 99,000
Travis, Texas 2 $ 319,000 $ 159,500 $ 98,000
King, Washington 2 $ 264,000 $ 132,000 $ 94,000
Lafayette, Wisconsin 2 $ 179,000 $ 89,500 $ 84,000
Washington, Wisconsin 2 $ 654,000 $ 327,000 $ 155,000
Jefferson, Alabama 1 $ 80,000 $ 80,000 $ 48,000
Shelby, Alabama 1 $ 292,000 $ 292,000 $ 101,000
Cochise, Arizona 1 $ 190,000 $ 190,000 $ 49,000
Pima, Arizona 1 $ 130,000 $ 130,000 $ 99,000
Pinal, Arizona 1 $ 140,000 $ 140,000 $ 67,000
Orange, California 1 $ 43,000 $ 43,000 $ 25,000
Placer, California 1 $ 260,000 $ 260,000 $ 85,000
Sacramento, California 1 $ 116,000 $ 116,000 $ 63,000
Grand, Colorado 1 $ 319,000 $ 319,000 $ 121,000
Mesa, Colorado 1 $ 206,000 $ 206,000 $ 77,000
Kent, Delaware 1 $ 165,000 $ 165,000 $ 74,000
Martin, Florida 1 $ 252,000 $ 252,000 $ 141,000
Sarasota, Florida 1 $ 266,000 $ 266,000 $ 138,000
Sumter, Florida 1 $ 111,000 $ 111,000 $ 68,000
Cook, Georgia 1 $ 133,000 $ 133,000 $ 59,000
Decatur, Georgia 1 $ 106,000 $ 106,000 $ 86,000
Forsyth, Georgia 1 $ 245,000 $ 245,000 $ 123,000
Henry, Georgia 1 $ 120,000 $ 120,000 $ 39,000
Lowndes, Georgia 1 $ 218,000 $ 218,000 $ 81,000
Thomas, Georgia 1 $ 203,000 $ 203,000 $ 86,000
Bonneville, Idaho 1 $ 75,000 $ 75,000 $ 62,000
Bureau, Illinois 1 $ 157,000 $ 157,000 $ 60,000
Champaign, Illinois 1 $ 10,000 $ 10,000 $ 75,000
DuPage, Illinois 1 $ 271,000 $ 271,000 $ 135,000
Jo Daviess, Illinois 1 $ 77,000 $ 77,000 $ 164,000
Lake, Illinois 1 $ 392,000 $ 392,000 $ 157,000
LaSalle, Illinois 1 $ 175,000 $ 175,000 $ 39,000
McHenry, Illinois 1 $ 235,000 $ 235,000 $ 123,000
McLean, Illinois 1 $ 125,000 $ 125,000 $ 45,000
Moultrie, Illinois 1 $ 211,000 $ 211,000 $ 95,000
Peoria, Illinois 1 $ 155,000 $ 155,000 $ 148,000
Will, Illinois 1 $ 329,000 $ 329,000 $ 188,000
Allen, Indiana 1 $ 229,000 $ 229,000 $ 86,000
Hendricks, Indiana 1 $ 150,000 $ 150,000 $ 70,000
Montgomery, Indiana 1 $ 196,000 $ 196,000 $ 73,000
White, Indiana 1 $ 200,000 $ 200,000 $ 83,000
Allamakee, Iowa 1 $ 60,000 $ 60,000 $ 92,000
Cedar, Iowa 1 $ 100,000 $ 100,000 $ 80,000
Cerro Gordo, Iowa 1 $ 93,000 $ 93,000 $ 50,000
Clayton, Iowa 1 $ 155,000 $ 155,000 $ 163,000
Franklin, Iowa 1 $ 61,000 $ 61,000 $ 96,000
Henry, Iowa 1 $ 61,000 $ 61,000 $ 12,000
Jackson, Iowa 1 $ 47,000 $ 47,000 $ 36,000
Madison, Iowa 1 $ 82,000 $ 82,000 $ 70,000
Marion, Iowa 1 $ 15,000 $ 15,000 $ 43,000
Muscatine, Iowa 1 $ 50,000 $ 50,000 $ 81,000
Plymouth, Iowa 1 $ 244,000 $ 244,000 $ 74,000
Ringgold, Iowa 1 $ 160,000 $ 160,000 $ 243,000
Douglas, Kansas 1 $ 197,000 $ 197,000 $ 89,000
Miami, Kansas 1 $ 400,000 $ 400,000 $ 134,000
Ottawa, Kansas 1 $ 104,000 $ 104,000 $ 140,000
Thomas, Kansas 1 $ 14,000 $ 14,000 $ 65,000
Boone, Kentucky 1 $ 169,000 $ 169,000 $ 73,000
Hickman, Kentucky 1 $ 99,000 $ 99,000 $ 102,000
Ascension, Louisiana 1 $ 234,000 $ 234,000 $ 103,000
Hampden, Massachusetts 1 $ 187,000 $ 187,000 $ 60,000
Middlesex, Massachusetts 1 $ 51,000 $ 51,000 $ 200,000
Kalamazoo, Michigan 1 $ 105,000 $ 105,000 $ 70,000
Muskegon, Michigan 1 $ 25,000 $ 25,000 $ 191,000
Wayne, Michigan 1 $ 247,000 $ 247,000 $ 104,000
Cass, Minnesota 1 $ 350,000 $ 350,000 $ 144,000
Douglas, Minnesota 1 $ 281,000 $ 281,000 $ 108,000
Ramsey, Minnesota 1 $ 173,000 $ 173,000 $ 104,000
Rankin, Mississippi 1 $ 158,000 $ 158,000 $ 73,000
Christian, Missouri 1 $ 175,000 $ 175,000 $ 139,000
Greene, Missouri 1 $ 221,000 $ 221,000 $ 82,000
Jackson, Missouri 1 $ 5,000 $ 5,000 $ 64,000
Jefferson, Missouri 1 $ 172,000 $ 172,000 $ 68,000
St. Louis, Missouri 1 $ 40,000 $ 40,000 $ 145,000
Stoddard, Missouri 1 $ 119,000 $ 119,000 $ 42,000
Taney, Missouri 1 $ 417,000 $ 417,000 $ 176,000
Sarpy, Nebraska 1 $ 5,000 $ 5,000 $ 62,000
Clark, Nevada 1 $ 250,000 $ 250,000 $ 145,000
Middlesex, New Jersey 1 $ 80,000 $ 80,000 $ 42,000
Cabarrus, North Carolina 1 $ 150,000 $ 150,000 $ 63,000
Cleveland, North Carolina 1 $ 268,000 $ 268,000 $ 140,000
Davidson, North Carolina 1 $ 20,000 $ 20,000 $ 105,000
New Hanover, North Carolina 1 $ 197,000 $ 197,000 $ 515,000
Pender, North Carolina 1 $ 208,000 $ 208,000 $ 156,000
Stokes, North Carolina 1 $ 31,000 $ 31,000 $ 37,000
Watauga, North Carolina 1 $ 125,000 $ 125,000 $ 115,000
Fairfield, Ohio 1 $ 186,000 $ 186,000 $ 87,000
Franklin, Ohio 1 $ 200,000 $ 200,000 $ 132,000
Mahoning, Ohio 1 $ 35,000 $ 35,000 $ 50,000
Morrow, Ohio 1 $ 152,000 $ 152,000 $ 154,000
Nowata, Oklahoma 1 $ 228,000 $ 228,000 $ 98,000
Butler, Pennsylvania 1 $ 184,000 $ 184,000 $ 86,000
Lancaster, Pennsylvania 1 $ 233,000 $ 233,000 $ 105,000
Aiken, South Carolina 1 $ 200,000 $ 200,000 $ 118,000
Cherokee, South Carolina 1 $ 57,000 $ 57,000 $ 33,000
Lancaster, South Carolina 1 $ 25,000 $ 25,000 $ 79,000
Laurens, South Carolina 1 $ 95,000 $ 95,000 $ 41,000
Lexington, South Carolina 1 $ 185,000 $ 185,000 $ 78,000
York, South Carolina 1 $ 347,000 $ 347,000 $ 85,000
Marshall, South Dakota 1 $ 250,000 $ 250,000 $ 82,000
Minnehaha, South Dakota 1 $ 120,000 $ 120,000 $ 83,000
Perkins, South Dakota 1 $ 35,000 $ 35,000 $ 81,000
Crockett, Tennessee 1 $ 25,000 $ 25,000 $ 227,000
Bexar, Texas 1 $ 13,000 $ 13,000 $ 40,000
Collin, Texas 1 $ 200,000 $ 200,000 $ 86,000
Dallas, Texas 1 $ 25,000 $ 25,000 $ 186,000
El Paso, Texas 1 $ 128,000 $ 128,000 $ 69,000
Grimes, Texas 1 $ 240,000 $ 240,000 $ 190,000
Salt Lake, Utah 1 $ 60,000 $ 60,000 $ 156,000
Hanover, Virginia 1 $ 165,000 $ 165,000 $ 68,000
Richmond City, Virginia 1 $ 116,000 $ 116,000 $ 186,000
Ashland, Wisconsin 1 $ 181,000 $ 181,000 $ 45,000
Barron, Wisconsin 1 $ 105,000 $ 105,000 $ 60,000
Chippewa, Wisconsin 1 $ 156,000 $ 156,000 $ 71,000
Columbia, Wisconsin 1 $ 25,000 $ 25,000 $ 96,000
Racine, Wisconsin 1 $ 200,000 $ 200,000 $ 221,000
Fremont, Wyoming 1 $ 157,000 $ 157,000 $ 76,000

Mortgage Loan Application Detail Totals for Empeople Credit Union in 2010

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 596 $90,970,000 $152,000 $784,000 $95,000 $515,000
Refinancing 518 $77,857,000 $150,000 $610,000 $95,000 $515,000
Home Improvement 117 $2,301,000 $19,000 $99,000 $87,000 $391,000

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 893 $136,938,000 $153,000 $784,000 $92,000 $425,000
Not Provided 266 $23,044,000 $86,000 $417,000 $99,000 $500,000
Hispanic 29 $3,321,000 $114,000 $333,000 $68,000 $161,000
Asian 25 $4,986,000 $199,000 $392,000 $138,000 $515,000
Black or African American 17 $2,574,000 $151,000 $338,000 $85,000 $183,000
American Indian or Alaskan Native 1 $265,000 $265,000 $265,000 $85,000 $85,000
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) 1,231 $171,128,000 $139,000 $784,000 $94,000 $515,000
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 859 $112,804,000 $131,000 $784,000 $97,000 $515,000
Application Withdrawn By Applicant 118 $22,231,000 $188,000 $610,000 $104,000 $515,000
Preapproval Approved but not Accepted 96 $17,093,000 $178,000 $568,000 $84,000 $188,000
Application Denied By Financial Institution 86 $9,848,000 $114,000 $417,000 $76,000 $228,000
Preapproval Denied by Financial Institution 35 $4,319,000 $123,000 $261,000 $59,000 $101,000
File Closed For Incompleteness 21 $2,715,000 $129,000 $312,000 $95,000 $240,000
Application Approved But Not Accepted 16 $2,118,000 $132,000 $330,000 $83,000 $136,000
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 26 $1,934,000 $74,000 $260,000 $81,000 $148,000
Debt-To-Income Ratio 9 $644,000 $71,000 $155,000 $38,000 $55,000
Collateral 8 $1,015,000 $126,000 $191,000 $90,000 $113,000
Credit Application Incomplete 4 $529,000 $132,000 $214,000 $117,000 $228,000
Other 3 $533,000 $177,000 $266,000 $72,000 $85,000
Unverifiable Information 1 $54,000 $54,000 $54,000 $27,000 $27,000
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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2010 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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