Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Empeople Credit Union 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 | Empeople Credit Union 3950 38Th Avenue Moline, IL 61265 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 |
| Total Number of Mortgage Applications | 1,615 |
| Total Mortgage Loan Application Amount | $231,319,000 |
| Average Mortgage Loan Application Amount | $114,333 |
| Highest Mortgage Loan Application Amount | $796,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $388,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Empeople 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 Empeople Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Empeople 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 Empeople Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Empeople 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 Empeople Credit Union'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 |
|---|---|---|---|---|
| Scott County Iowa | 225 | $ 41,074,000 | $ 182,000 | $ 109,000 |
| Rock Island County Illinois | 195 | $ 17,369,000 | $ 89,000 | $ 86,000 |
| Black Hawk County Iowa | 144 | $ 20,092,000 | $ 139,000 | $ 89,000 |
| Polk County Iowa | 140 | $ 21,882,000 | $ 156,000 | $ 103,000 |
| Henry County Illinois | 59 | $ 7,222,000 | $ 122,000 | $ 101,000 |
| Dubuque County Iowa | 54 | $ 8,880,000 | $ 164,000 | $ 84,000 |
| Johnson County Kansas | 43 | $ 9,006,000 | $ 209,000 | $ 105,000 |
| Bremer County Iowa | 39 | $ 4,938,000 | $ 126,000 | $ 102,000 |
| Wake County North Carolina | 36 | $ 6,353,000 | $ 176,000 | $ 109,000 |
| Dallas County Iowa | 21 | $ 3,709,000 | $ 176,000 | $ 101,000 |
| Greenville County South Carolina | 15 | $ 1,039,000 | $ 69,000 | $ 63,000 |
| Montgomery County Kansas | 14 | $ 696,000 | $ 49,000 | $ 77,000 |
| Buchanan County Iowa | 13 | $ 1,269,000 | $ 97,000 | $ 82,000 |
| Mercer County Illinois | 11 | $ 1,179,000 | $ 107,000 | $ 103,000 |
| Greene County Missouri | 11 | $ 783,000 | $ 71,000 | $ 75,000 |
| Cook County Illinois | 9 | $ 1,937,000 | $ 215,000 | $ 182,000 |
| Lafourche County Louisiana | 9 | $ 1,131,000 | $ 125,000 | $ 101,000 |
| Forsyth County North Carolina | 9 | $ 886,000 | $ 98,000 | $ 100,000 |
| Dodge County Wisconsin | 9 | $ 1,088,000 | $ 120,000 | $ 78,000 |
| Columbia County Georgia | 8 | $ 974,000 | $ 121,000 | $ 98,000 |
| Butler County Iowa | 7 | $ 809,000 | $ 115,000 | $ 63,000 |
| Clinton County Iowa | 7 | $ 948,000 | $ 135,000 | $ 83,000 |
| Dane County Wisconsin | 7 | $ 971,000 | $ 138,000 | $ 67,000 |
| Cedar County Iowa | 6 | $ 291,000 | $ 48,000 | $ 67,000 |
| Grundy County Iowa | 6 | $ 972,000 | $ 162,000 | $ 104,000 |
| Warren County Iowa | 6 | $ 658,000 | $ 109,000 | $ 114,000 |
| Cass County North Dakota | 6 | $ 1,087,000 | $ 181,000 | $ 77,000 |
| Jackson County Iowa | 5 | $ 646,000 | $ 129,000 | $ 110,000 |
| Broward County Florida | 4 | $ 1,053,000 | $ 263,000 | $ 118,000 |
| Fulton County Georgia | 4 | $ 950,000 | $ 237,000 | $ 130,000 |
| Richmond County Georgia | 4 | $ 182,000 | $ 45,000 | $ 50,000 |
| Whiteside County Illinois | 4 | $ 424,000 | $ 106,000 | $ 77,000 |
| Boone County Iowa | 4 | $ 425,000 | $ 106,000 | $ 107,000 |
| Chickasaw County Iowa | 4 | $ 297,000 | $ 74,000 | $ 62,000 |
| Johnson County Iowa | 4 | $ 452,000 | $ 113,000 | $ 120,000 |
| Linn County Iowa | 4 | $ 600,000 | $ 150,000 | $ 84,000 |
| Clay County Minnesota | 4 | $ 530,000 | $ 132,000 | $ 92,000 |
| Scott County Minnesota | 4 | $ 724,000 | $ 181,000 | $ 95,000 |
| Ashland County Ohio | 4 | $ 26,000 | $ 6,000 | $ 75,000 |
| Franklin County Ohio | 4 | $ 710,000 | $ 177,000 | $ 132,000 |
| Collin County Texas | 4 | $ 630,000 | $ 157,000 | $ 81,000 |
| Maricopa County Arizona | 3 | $ 655,000 | $ 218,000 | $ 156,000 |
| Arapahoe County Colorado | 3 | $ 478,000 | $ 159,000 | $ 100,000 |
| Jasper County Iowa | 3 | $ 251,000 | $ 83,000 | $ 76,000 |
| Tama County Iowa | 3 | $ 230,000 | $ 76,000 | $ 66,000 |
| Wapello County Iowa | 3 | $ 463,000 | $ 154,000 | $ 77,000 |
| Carver County Minnesota | 3 | $ 243,000 | $ 81,000 | $ 84,000 |
| Ramsey County Minnesota | 3 | $ 967,000 | $ 322,000 | $ 183,000 |
| Durham County North Carolina | 3 | $ 213,000 | $ 71,000 | $ 51,000 |
| Guilford County North Carolina | 3 | $ 234,000 | $ 78,000 | $ 88,000 |
| Union County Ohio | 3 | $ 286,000 | $ 95,000 | $ 46,000 |
| Washington County Oklahoma | 3 | $ 659,000 | $ 219,000 | $ 121,000 |
| Hamblen County Tennessee | 3 | $ 222,000 | $ 74,000 | $ 66,000 |
| Harris County Texas | 3 | $ 236,000 | $ 78,000 | $ 105,000 |
| Travis County Texas | 3 | $ 494,000 | $ 164,000 | $ 122,000 |
| Clark County Washington | 3 | $ 548,000 | $ 182,000 | $ 71,000 |
| Washington County Wisconsin | 3 | $ 694,000 | $ 231,000 | $ 108,000 |
| Waukesha County Wisconsin | 3 | $ 686,000 | $ 228,000 | $ 91,000 |
| Talladega County Alabama | 2 | $ 424,000 | $ 212,000 | $ 129,000 |
| Pima County Arizona | 2 | $ 262,000 | $ 131,000 | $ 120,000 |
| Denver County Colorado | 2 | $ 626,000 | $ 313,000 | $ 146,000 |
| Douglas County Colorado | 2 | $ 667,000 | $ 333,000 | $ 166,000 |
| Jefferson County Colorado | 2 | $ 700,000 | $ 350,000 | $ 191,000 |
| Larimer County Colorado | 2 | $ 244,000 | $ 122,000 | $ 51,000 |
| Lee County Florida | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Marion County Florida | 2 | $ 368,000 | $ 184,000 | $ 96,000 |
| Sarasota County Florida | 2 | $ 541,000 | $ 270,000 | $ 105,000 |
| Cherokee County Georgia | 2 | $ 162,000 | $ 81,000 | $ 96,000 |
| Gwinnett County Georgia | 2 | $ 271,000 | $ 135,000 | $ 191,000 |
| Jo Daviess County Illinois | 2 | $ 552,000 | $ 276,000 | $ 180,000 |
| Knox County Illinois | 2 | $ 50,000 | $ 25,000 | $ 69,000 |
| Lake County Illinois | 2 | $ 384,000 | $ 192,000 | $ 125,000 |
| Morgan County Illinois | 2 | $ 11,000 | $ 5,000 | $ 34,000 |
| Warren County Illinois | 2 | $ 82,000 | $ 41,000 | $ 60,000 |
| Will County Illinois | 2 | $ 806,000 | $ 403,000 | $ 145,000 |
| Clark County Indiana | 2 | $ 131,000 | $ 65,000 | $ 86,000 |
| Marion County Indiana | 2 | $ 185,000 | $ 92,000 | $ 55,000 |
| Clarke County Iowa | 2 | $ 219,000 | $ 109,000 | $ 72,000 |
| Delaware County Iowa | 2 | $ 165,000 | $ 82,000 | $ 69,000 |
| Fayette County Iowa | 2 | $ 331,000 | $ 165,000 | $ 61,000 |
| Mahaska County Iowa | 2 | $ 235,000 | $ 117,000 | $ 68,000 |
| Marshall County Iowa | 2 | $ 246,000 | $ 123,000 | $ 84,000 |
| Muscatine County Iowa | 2 | $ 370,000 | $ 185,000 | $ 81,000 |
| Story County Iowa | 2 | $ 283,000 | $ 141,000 | $ 69,000 |
| Miami County Kansas | 2 | $ 417,000 | $ 208,000 | $ 102,000 |
| Reno County Kansas | 2 | $ 108,000 | $ 54,000 | $ 66,000 |
| Harrison County Kentucky | 2 | $ 430,000 | $ 215,000 | $ 85,000 |
| Terrebonne County Louisiana | 2 | $ 428,000 | $ 214,000 | $ 128,000 |
| Hubbard County Minnesota | 2 | $ 284,000 | $ 142,000 | $ 63,000 |
| Cass County Missouri | 2 | $ 323,000 | $ 161,000 | $ 84,000 |
| Jackson County Missouri | 2 | $ 183,000 | $ 91,000 | $ 65,000 |
| Jasper County Missouri | 2 | $ 142,000 | $ 71,000 | $ 34,000 |
| St. Charles County Missouri | 2 | $ 197,000 | $ 98,000 | $ 78,000 |
| Webster County Missouri | 2 | $ 245,000 | $ 122,000 | $ 72,000 |
| Buffalo County Nebraska | 2 | $ 332,000 | $ 166,000 | $ 84,000 |
| Lancaster County Nebraska | 2 | $ 354,000 | $ 177,000 | $ 91,000 |
| Onondaga County New York | 2 | $ 335,000 | $ 167,000 | $ 49,000 |
| Grand Forks County North Dakota | 2 | $ 512,000 | $ 256,000 | $ 75,000 |
| Delaware County Ohio | 2 | $ 375,000 | $ 187,000 | $ 107,000 |
| Nowata County Oklahoma | 2 | $ 234,000 | $ 117,000 | $ 89,000 |
| Multnomah County Oregon | 2 | $ 143,000 | $ 71,000 | $ 87,000 |
| Centre County Pennsylvania | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Laurens County South Carolina | 2 | $ 170,000 | $ 85,000 | $ 80,000 |
| Spartanburg County South Carolina | 2 | $ 68,000 | $ 34,000 | $ 39,000 |
| Union County South Dakota | 2 | $ 224,000 | $ 112,000 | $ 92,000 |
| Crockett County Tennessee | 2 | $ 159,000 | $ 79,000 | $ 72,000 |
| Gibson County Tennessee | 2 | $ 155,000 | $ 77,000 | $ 17,000 |
| Greene County Tennessee | 2 | $ 217,000 | $ 108,000 | $ 54,000 |
| Hamilton County Tennessee | 2 | $ 235,000 | $ 117,000 | $ 47,000 |
| Perry County Tennessee | 2 | $ 152,000 | $ 76,000 | $ 79,000 |
| Bexar County Texas | 2 | $ 288,000 | $ 144,000 | $ 78,000 |
| Dallas County Texas | 2 | $ 391,000 | $ 195,000 | $ 82,000 |
| Hill County Texas | 2 | $ 65,000 | $ 32,000 | $ 71,000 |
| Spokane County Washington | 2 | $ 262,000 | $ 131,000 | $ 61,000 |
| Columbia County Wisconsin | 2 | $ 442,000 | $ 221,000 | $ 88,000 |
| Marathon County Wisconsin | 2 | $ 152,000 | $ 76,000 | $ 96,000 |
| Sauk County Wisconsin | 2 | $ 163,000 | $ 81,000 | $ 55,000 |
| Shelby County Alabama | 1 | $ 293,000 | $ 293,000 | $ 103,000 |
| Pinal County Arizona | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
| Calaveras County California | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Fresno County California | 1 | $ 104,000 | $ 104,000 | $ 117,000 |
| Los Angeles County California | 1 | $ 50,000 | $ 50,000 | $ 153,000 |
| Orange County California | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Riverside County California | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Boulder County Colorado | 1 | $ 325,000 | $ 325,000 | $ 151,000 |
| Summit County Colorado | 1 | $ 72,000 | $ 72,000 | $ 110,000 |
| Charlotte County Florida | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Collier County Florida | 1 | $ 307,000 | $ 307,000 | $ 350,000 |
| Leon County Florida | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Miami-Dade County Florida | 1 | $ 43,000 | $ 43,000 | $ 103,000 |
| Nassau County Florida | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Palm Beach County Florida | 1 | $ 88,000 | $ 88,000 | $ 65,000 |
| Pasco County Florida | 1 | $ 98,000 | $ 98,000 | $ 70,000 |
| Pinellas County Florida | 1 | $ 60,000 | $ 60,000 | $ 132,000 |
| Sumter County Florida | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Volusia County Florida | 1 | $ 8,000 | $ 8,000 | $ 59,000 |
| Cobb County Georgia | 1 | $ 230,000 | $ 230,000 | $ 79,000 |
| Cook County Georgia | 1 | $ 124,000 | $ 124,000 | $ 77,000 |
| Decatur County Georgia | 1 | $ 158,000 | $ 158,000 | $ 69,000 |
| Haralson County Georgia | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Henry County Georgia | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Lowndes County Georgia | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Rockdale County Georgia | 1 | $ 165,000 | $ 165,000 | $ 127,000 |
| Bureau County Illinois | 1 | $ 283,000 | $ 283,000 | $ 88,000 |
| Champaign County Illinois | 1 | $ 212,000 | $ 212,000 | $ 129,000 |
| DeKalb County Illinois | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Greene County Illinois | 1 | $ 83,000 | $ 83,000 | $ 68,000 |
| LaSalle County Illinois | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| McHenry County Illinois | 1 | $ 15,000 | $ 15,000 | $ 128,000 |
| McLean County Illinois | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Montgomery County Illinois | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| St. Clair County Illinois | 1 | $ 40,000 | $ 40,000 | $ 117,000 |
| Stephenson County Illinois | 1 | $ 171,000 | $ 171,000 | $ 89,000 |
| Hendricks County Indiana | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Adair County Iowa | 1 | $ 320,000 | $ 320,000 | $ 132,000 |
| Allamakee County Iowa | 1 | $ 81,000 | $ 81,000 | $ 55,000 |
| Appanoose County Iowa | 1 | $ 398,000 | $ 398,000 | $ 180,000 |
| Carroll County Iowa | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Clayton County Iowa | 1 | $ 150,000 | $ 150,000 | $ 81,000 |
| Davis County Iowa | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Des Moines County Iowa | 1 | $ 82,000 | $ 82,000 | $ 84,000 |
| Guthrie County Iowa | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Marion County Iowa | 1 | $ 147,000 | $ 147,000 | $ 88,000 |
| Mills County Iowa | 1 | $ 5,000 | $ 5,000 | $ 150,000 |
| Mitchell County Iowa | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Ringgold County Iowa | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Crawford County Kansas | 1 | $ 8,000 | $ 8,000 | $ 72,000 |
| Ellis County Kansas | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| Labette County Kansas | 1 | $ 8,000 | $ 8,000 | $ 47,000 |
| Leavenworth County Kansas | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Wyandotte County Kansas | 1 | $ 169,000 | $ 169,000 | $ 76,000 |
| Ballard County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 88,000 |
| McCracken County Kentucky | 1 | $ 316,000 | $ 316,000 | $ 118,000 |
| Tangipahoa County Louisiana | 1 | $ 160,000 | $ 160,000 | $ 46,000 |
| Penobscot County Maine | 1 | $ 203,000 | $ 203,000 | $ 184,000 |
| Middlesex County Massachusetts | 1 | $ 211,000 | $ 211,000 | $ 83,000 |
| Norfolk County Massachusetts | 1 | $ 39,000 | $ 39,000 | $ 195,000 |
| Gogebic County Michigan | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| St. Joseph County Michigan | 1 | $ 270,000 | $ 270,000 | $ 91,000 |
| Wayne County Michigan | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Wexford County Michigan | 1 | $ 108,000 | $ 108,000 | $ 140,000 |
| Dakota County Minnesota | 1 | $ 296,000 | $ 296,000 | $ 121,000 |
| Hennepin County Minnesota | 1 | $ 366,000 | $ 366,000 | $ 364,000 |
| Martin County Minnesota | 1 | $ 172,000 | $ 172,000 | $ 119,000 |
| Otter Tail County Minnesota | 1 | $ 80,000 | $ 80,000 | $ 115,000 |
| Stearns County Minnesota | 1 | $ 4,000 | $ 4,000 | $ 168,000 |
| Washington County Minnesota | 1 | $ 157,000 | $ 157,000 | $ 70,000 |
| Watonwan County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| DeSoto County Mississippi | 1 | $ 169,000 | $ 169,000 | $ 75,000 |
| Lee County Mississippi | 1 | $ 114,000 | $ 114,000 | $ 52,000 |
| Buchanan County Missouri | 1 | $ 8,000 | $ 8,000 | $ 206,000 |
| Camden County Missouri | 1 | $ 168,000 | $ 168,000 | $ 188,000 |
| Dallas County Missouri | 1 | $ 7,000 | $ 7,000 | $ 93,000 |
| Franklin County Missouri | 1 | $ 22,000 | $ 22,000 | $ 60,000 |
| Shannon County Missouri | 1 | $ 22,000 | $ 22,000 | $ 65,000 |
| Gallatin County Montana | 1 | $ 221,000 | $ 221,000 | $ 253,000 |
| Cheyenne County Nebraska | 1 | $ 141,000 | $ 141,000 | $ 109,000 |
| Douglas County Nebraska | 1 | $ 122,000 | $ 122,000 | $ 115,000 |
| Holt County Nebraska | 1 | $ 30,000 | $ 30,000 | $ 44,000 |
| Kearney County Nebraska | 1 | $ 72,000 | $ 72,000 | $ 69,000 |
| Keith County Nebraska | 1 | $ 193,000 | $ 193,000 | $ 170,000 |
| Clark County Nevada | 1 | $ 122,000 | $ 122,000 | $ 75,000 |
| Belknap County New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Chatham County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 217,000 |
| Davidson County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 117,000 |
| Harnett County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 90,000 |
| Iredell County North Carolina | 1 | $ 14,000 | $ 14,000 | $ 110,000 |
| Johnston County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Lee County North Carolina | 1 | $ 31,000 | $ 31,000 | $ 53,000 |
| New Hanover County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 151,000 |
| Orange County North Carolina | 1 | $ 386,000 | $ 386,000 | $ 157,000 |
| Burleigh County North Dakota | 1 | $ 191,000 | $ 191,000 | $ 100,000 |
| Richland County North Dakota | 1 | $ 257,000 | $ 257,000 | $ 88,000 |
| Hardin County Ohio | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Licking County Ohio | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Lorain County Ohio | 1 | $ 89,000 | $ 89,000 | $ 159,000 |
| Mahoning County Ohio | 1 | $ 48,000 | $ 48,000 | $ 56,000 |
| Wood County Ohio | 1 | $ 224,000 | $ 224,000 | $ 86,000 |
| Wyandot County Ohio | 1 | $ 417,000 | $ 417,000 | $ 186,000 |
| Bryan County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 63,000 |
| Craig County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 178,000 |
| Payne County Oklahoma | 1 | $ 177,000 | $ 177,000 | $ 80,000 |
| Charleston County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
| York County South Carolina | 1 | $ 282,000 | $ 282,000 | $ 112,000 |
| Blount County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Cocke County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 29,000 |
| Davidson County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 77,000 |
| Grainger County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Henry County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Loudon County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Overton County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 131,000 |
| Sumner County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 150,000 |
| Williamson County Tennessee | 1 | $ 71,000 | $ 71,000 | $ 77,000 |
| Angelina County Texas | 1 | $ 143,000 | $ 143,000 | $ 102,000 |
| Collingsworth County Texas | 1 | $ 8,000 | $ 8,000 | $ 68,000 |
| Denton County Texas | 1 | $ 310,000 | $ 310,000 | $ 130,000 |
| Lubbock County Texas | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Smith County Texas | 1 | $ 92,000 | $ 92,000 | $ 92,000 |
| Young County Texas | 1 | $ 83,000 | $ 83,000 | $ 105,000 |
| Box Elder County Utah | 1 | $ 168,000 | $ 168,000 | $ 55,000 |
| Salt Lake County Utah | 1 | $ 8,000 | $ 8,000 | $ 176,000 |
| Galax County Virginia | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Richmond City County Virginia | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Virginia Beach County Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Klickitat County Washington | 1 | $ 228,000 | $ 228,000 | $ 67,000 |
| Skagit County Washington | 1 | $ 389,000 | $ 389,000 | $ 122,000 |
| Bayfield County Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 87,000 |
| Fond du Lac County Wisconsin | 1 | $ 123,000 | $ 123,000 | $ 120,000 |
| Grant County Wisconsin | 1 | $ 212,000 | $ 212,000 | $ 89,000 |
| Iowa County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 187,000 |
| Jefferson County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Lafayette County Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 67,000 |
| Milwaukee County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Monroe County Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Ozaukee County Wisconsin | 1 | $ 241,000 | $ 241,000 | $ 95,000 |
| Racine County Wisconsin | 1 | $ 161,000 | $ 161,000 | $ 57,000 |
| Winnebago County Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 732 | $123,295,000 | $168,000 | $796,000 | $95,000 | $384,000 |
| Refinancing | 677 | $102,887,000 | $151,000 | $500,000 | $98,000 | $388,000 |
| Home Improvement | 206 | $5,137,000 | $24,000 | $366,000 | $84,000 | $364,000 |
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 | 1,100 | $176,914,000 | $160,000 | $796,000 | $96,000 | $384,000 |
| Not Provided | 408 | $38,196,000 | $93,000 | $417,000 | $97,000 | $388,000 |
| Hispanic | 45 | $6,166,000 | $137,000 | $300,000 | $76,000 | $153,000 |
| Black or African American | 31 | $4,181,000 | $134,000 | $250,000 | $78,000 | $168,000 |
| Asian | 20 | $4,536,000 | $226,000 | $399,000 | $106,000 | $175,000 |
| American Indian or Alaskan Native | 9 | $1,031,000 | $114,000 | $128,000 | $65,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $295,000 | $147,000 | $160,000 | $61,000 | $64,000 |
| 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) | 1,615 | $231,319,000 | $143,000 | $796,000 | $95,000 | $388,000 |
| 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 | 1,046 | $143,630,000 | $137,000 | $796,000 | $96,000 | $339,000 |
| Application Denied By Financial Institution | 201 | $27,025,000 | $134,000 | $500,000 | $87,000 | $388,000 |
| Application Withdrawn By Applicant | 133 | $20,474,000 | $153,000 | $417,000 | $98,000 | $350,000 |
| Preapproval Approved but not Accepted | 94 | $17,283,000 | $183,000 | $400,000 | $88,000 | $295,000 |
| File Closed For Incompleteness | 89 | $17,248,000 | $193,000 | $417,000 | $117,000 | $364,000 |
| Preapproval Denied by Financial Institution | 33 | $4,676,000 | $141,000 | $361,000 | $64,000 | $215,000 |
| Application Approved But Not Accepted | 19 | $983,000 | $51,000 | $230,000 | $93,000 | $221,000 |
| 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 Application Incomplete | 44 | $5,858,000 | $133,000 | $361,000 | $97,000 | $388,000 |
| Collateral | 36 | $5,734,000 | $159,000 | $375,000 | $101,000 | $301,000 |
| Credit History | 35 | $2,790,000 | $79,000 | $219,000 | $72,000 | $174,000 |
| Debt-To-Income Ratio | 33 | $4,785,000 | $145,000 | $416,000 | $68,000 | $215,000 |
| Other | 15 | $3,152,000 | $210,000 | $500,000 | $130,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $117,000 | $117,000 | $117,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union'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 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.