Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Empeople Credit Union 2013 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 | 1,915 |
| Total Mortgage Loan Application Amount | $253,729,000 |
| Average Mortgage Loan Application Amount | $111,333 |
| Highest Mortgage Loan Application Amount | $598,000 |
| Average Applicant Income | $94,333 |
| Highest Applicant Income | $660,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 270 | $ 44,537,000 | $ 164,000 | $ 111,000 |
| Rock Island County Illinois | 224 | $ 21,249,000 | $ 94,000 | $ 89,000 |
| Polk County Iowa | 195 | $ 30,243,000 | $ 155,000 | $ 98,000 |
| Black Hawk County Iowa | 182 | $ 19,456,000 | $ 106,000 | $ 85,000 |
| Dubuque County Iowa | 56 | $ 7,539,000 | $ 134,000 | $ 101,000 |
| Henry County Illinois | 55 | $ 5,146,000 | $ 93,000 | $ 95,000 |
| Johnson County Kansas | 49 | $ 11,052,000 | $ 225,000 | $ 134,000 |
| Buchanan County Iowa | 37 | $ 2,717,000 | $ 73,000 | $ 67,000 |
| Wake County North Carolina | 36 | $ 6,488,000 | $ 180,000 | $ 118,000 |
| Cass County North Dakota | 35 | $ 4,586,000 | $ 131,000 | $ 99,000 |
| Bremer County Iowa | 34 | $ 3,658,000 | $ 107,000 | $ 74,000 |
| Dallas County Iowa | 31 | $ 4,727,000 | $ 152,000 | $ 99,000 |
| Dodge County Wisconsin | 23 | $ 2,235,000 | $ 97,000 | $ 84,000 |
| Montgomery County Kansas | 22 | $ 1,722,000 | $ 78,000 | $ 73,000 |
| Mercer County Illinois | 18 | $ 1,922,000 | $ 106,000 | $ 78,000 |
| Butler County Iowa | 14 | $ 1,166,000 | $ 83,000 | $ 81,000 |
| Wapello County Iowa | 13 | $ 1,657,000 | $ 127,000 | $ 79,000 |
| Greenville County South Carolina | 13 | $ 849,000 | $ 65,000 | $ 62,000 |
| Whiteside County Illinois | 12 | $ 995,000 | $ 82,000 | $ 92,000 |
| Grundy County Iowa | 10 | $ 1,036,000 | $ 103,000 | $ 78,000 |
| Lafourche County Louisiana | 10 | $ 1,173,000 | $ 117,000 | $ 93,000 |
| Barnes County North Dakota | 10 | $ 711,000 | $ 71,000 | $ 81,000 |
| Boone County Iowa | 9 | $ 1,239,000 | $ 137,000 | $ 68,000 |
| Clinton County Iowa | 8 | $ 1,216,000 | $ 152,000 | $ 76,000 |
| Jasper County Iowa | 8 | $ 642,000 | $ 80,000 | $ 77,000 |
| Linn County Iowa | 8 | $ 1,002,000 | $ 125,000 | $ 84,000 |
| Dane County Wisconsin | 8 | $ 1,344,000 | $ 168,000 | $ 178,000 |
| San Diego County California | 7 | $ 2,111,000 | $ 301,000 | $ 139,000 |
| Jo Daviess County Illinois | 7 | $ 1,330,000 | $ 190,000 | $ 108,000 |
| Jackson County Iowa | 7 | $ 749,000 | $ 107,000 | $ 102,000 |
| Warren County Iowa | 7 | $ 1,105,000 | $ 157,000 | $ 132,000 |
| Davidson County North Carolina | 7 | $ 581,000 | $ 83,000 | $ 71,000 |
| Spartanburg County South Carolina | 7 | $ 495,000 | $ 70,000 | $ 83,000 |
| Clark County Washington | 7 | $ 1,750,000 | $ 250,000 | $ 119,000 |
| Maricopa County Arizona | 6 | $ 704,000 | $ 117,000 | $ 278,000 |
| Denver County Colorado | 6 | $ 1,712,000 | $ 285,000 | $ 92,000 |
| Fayette County Iowa | 6 | $ 355,000 | $ 59,000 | $ 71,000 |
| Hardin County Iowa | 6 | $ 592,000 | $ 98,000 | $ 91,000 |
| Tama County Iowa | 6 | $ 610,000 | $ 101,000 | $ 80,000 |
| Jackson County Missouri | 6 | $ 648,000 | $ 108,000 | $ 88,000 |
| Forsyth County North Carolina | 6 | $ 233,000 | $ 38,000 | $ 83,000 |
| Denton County Texas | 6 | $ 1,067,000 | $ 177,000 | $ 111,000 |
| Pinellas County Florida | 5 | $ 581,000 | $ 116,000 | $ 86,000 |
| Columbia County Georgia | 5 | $ 1,259,000 | $ 251,000 | $ 132,000 |
| Chickasaw County Iowa | 5 | $ 378,000 | $ 75,000 | $ 65,000 |
| Mahaska County Iowa | 5 | $ 616,000 | $ 123,000 | $ 75,000 |
| Becker County Minnesota | 5 | $ 783,000 | $ 156,000 | $ 98,000 |
| Clay County Minnesota | 5 | $ 823,000 | $ 164,000 | $ 89,000 |
| Mecklenburg County North Carolina | 5 | $ 421,000 | $ 84,000 | $ 61,000 |
| Stokes County North Carolina | 5 | $ 413,000 | $ 82,000 | $ 60,000 |
| Collin County Texas | 5 | $ 1,225,000 | $ 245,000 | $ 128,000 |
| Washington County Wisconsin | 5 | $ 717,000 | $ 143,000 | $ 90,000 |
| Champaign County Illinois | 4 | $ 1,174,000 | $ 293,000 | $ 116,000 |
| McHenry County Illinois | 4 | $ 206,000 | $ 51,000 | $ 53,000 |
| Warren County Illinois | 4 | $ 139,000 | $ 34,000 | $ 73,000 |
| Floyd County Iowa | 4 | $ 220,000 | $ 55,000 | $ 82,000 |
| Story County Iowa | 4 | $ 634,000 | $ 158,000 | $ 111,000 |
| Otter Tail County Minnesota | 4 | $ 873,000 | $ 218,000 | $ 138,000 |
| Greene County Missouri | 4 | $ 455,000 | $ 113,000 | $ 82,000 |
| Webster County Missouri | 4 | $ 94,000 | $ 23,000 | $ 36,000 |
| Clark County Nevada | 4 | $ 1,059,000 | $ 264,000 | $ 134,000 |
| Harnett County North Carolina | 4 | $ 272,000 | $ 68,000 | $ 65,000 |
| Washington County Oklahoma | 4 | $ 788,000 | $ 197,000 | $ 106,000 |
| Grant County Wisconsin | 4 | $ 1,017,000 | $ 254,000 | $ 78,000 |
| Riverside County California | 3 | $ 574,000 | $ 191,000 | $ 110,000 |
| Adams County Colorado | 3 | $ 376,000 | $ 125,000 | $ 177,000 |
| Larimer County Colorado | 3 | $ 659,000 | $ 219,000 | $ 162,000 |
| Broward County Florida | 3 | $ 592,000 | $ 197,000 | $ 186,000 |
| Lee County Florida | 3 | $ 545,000 | $ 181,000 | $ 146,000 |
| DuPage County Illinois | 3 | $ 425,000 | $ 141,000 | $ 130,000 |
| Kane County Illinois | 3 | $ 725,000 | $ 241,000 | $ 120,000 |
| Knox County Illinois | 3 | $ 53,000 | $ 17,000 | $ 49,000 |
| Morgan County Illinois | 3 | $ 202,000 | $ 67,000 | $ 44,000 |
| Davis County Iowa | 3 | $ 259,000 | $ 86,000 | $ 89,000 |
| Delaware County Iowa | 3 | $ 15,000 | $ 5,000 | $ 82,000 |
| Jefferson County Iowa | 3 | $ 363,000 | $ 121,000 | $ 74,000 |
| Madison County Iowa | 3 | $ 266,000 | $ 88,000 | $ 106,000 |
| Muscatine County Iowa | 3 | $ 860,000 | $ 286,000 | $ 114,000 |
| Jefferson County Kentucky | 3 | $ 231,000 | $ 77,000 | $ 23,000 |
| Oakland County Michigan | 3 | $ 710,000 | $ 236,000 | $ 110,000 |
| Anoka County Minnesota | 3 | $ 782,000 | $ 260,000 | $ 171,000 |
| Hennepin County Minnesota | 3 | $ 711,000 | $ 237,000 | $ 127,000 |
| Washington County Minnesota | 3 | $ 365,000 | $ 121,000 | $ 86,000 |
| Douglas County Nebraska | 3 | $ 321,000 | $ 107,000 | $ 144,000 |
| Guilford County North Carolina | 3 | $ 266,000 | $ 88,000 | $ 70,000 |
| Burleigh County North Dakota | 3 | $ 816,000 | $ 272,000 | $ 122,000 |
| Cleveland County Oklahoma | 3 | $ 943,000 | $ 314,000 | $ 134,000 |
| Benton County Oregon | 3 | $ 674,000 | $ 224,000 | $ 109,000 |
| York County Pennsylvania | 3 | $ 391,000 | $ 130,000 | $ 81,000 |
| Minnehaha County South Dakota | 3 | $ 753,000 | $ 251,000 | $ 105,000 |
| Greene County Tennessee | 3 | $ 365,000 | $ 121,000 | $ 63,000 |
| Henry County Tennessee | 3 | $ 376,000 | $ 125,000 | $ 82,000 |
| Washington County Tennessee | 3 | $ 367,000 | $ 122,000 | $ 82,000 |
| Comal County Texas | 3 | $ 751,000 | $ 250,000 | $ 75,000 |
| Columbia County Wisconsin | 3 | $ 155,000 | $ 51,000 | $ 110,000 |
| Jefferson County Wisconsin | 3 | $ 304,000 | $ 101,000 | $ 103,000 |
| Craighead County Arkansas | 2 | $ 389,000 | $ 194,000 | $ 92,000 |
| Saline County Arkansas | 2 | $ 411,000 | $ 205,000 | $ 78,000 |
| Los Angeles County California | 2 | $ 413,000 | $ 206,000 | $ 93,000 |
| Jefferson County Colorado | 2 | $ 342,000 | $ 171,000 | $ 90,000 |
| Manatee County Florida | 2 | $ 320,000 | $ 160,000 | $ 111,000 |
| Martin County Florida | 2 | $ 263,000 | $ 131,000 | $ 75,000 |
| Palm Beach County Florida | 2 | $ 192,000 | $ 96,000 | $ 73,000 |
| Polk County Florida | 2 | $ 223,000 | $ 111,000 | $ 145,000 |
| St. Lucie County Florida | 2 | $ 9,000 | $ 4,000 | $ 39,000 |
| Haralson County Georgia | 2 | $ 13,000 | $ 6,000 | $ 84,000 |
| Richmond County Georgia | 2 | $ 136,000 | $ 68,000 | $ 121,000 |
| Walker County Georgia | 2 | $ 469,000 | $ 234,000 | $ 93,000 |
| Carroll County Illinois | 2 | $ 370,000 | $ 185,000 | $ 216,000 |
| Cook County Illinois | 2 | $ 486,000 | $ 243,000 | $ 176,000 |
| Allen County Indiana | 2 | $ 834,000 | $ 417,000 | $ 264,000 |
| Hendricks County Indiana | 2 | $ 605,000 | $ 302,000 | $ 188,000 |
| Benton County Iowa | 2 | $ 140,000 | $ 70,000 | $ 47,000 |
| Clarke County Iowa | 2 | $ 187,000 | $ 93,000 | $ 91,000 |
| Clayton County Iowa | 2 | $ 122,000 | $ 61,000 | $ 64,000 |
| Greene County Iowa | 2 | $ 60,000 | $ 30,000 | $ 74,000 |
| Hamilton County Iowa | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Johnson County Iowa | 2 | $ 429,000 | $ 214,000 | $ 78,000 |
| Sioux County Iowa | 2 | $ 360,000 | $ 180,000 | $ 89,000 |
| Terrebonne County Louisiana | 2 | $ 259,000 | $ 129,000 | $ 90,000 |
| Vermilion County Louisiana | 2 | $ 185,000 | $ 92,000 | $ 64,000 |
| Macomb County Michigan | 2 | $ 99,000 | $ 49,000 | $ 90,000 |
| Ramsey County Minnesota | 2 | $ 59,000 | $ 29,000 | $ 172,000 |
| Camden County Missouri | 2 | $ 210,000 | $ 105,000 | $ 93,000 |
| St. Louis County Missouri | 2 | $ 212,000 | $ 106,000 | $ 170,000 |
| Stone County Missouri | 2 | $ 466,000 | $ 233,000 | $ 152,000 |
| Cheyenne County Nebraska | 2 | $ 358,000 | $ 179,000 | $ 125,000 |
| Lancaster County Nebraska | 2 | $ 284,000 | $ 142,000 | $ 154,000 |
| Sandoval County New Mexico | 2 | $ 166,000 | $ 83,000 | $ 55,000 |
| Davie County North Carolina | 2 | $ 341,000 | $ 170,000 | $ 173,000 |
| Durham County North Carolina | 2 | $ 152,000 | $ 76,000 | $ 79,000 |
| Yadkin County North Carolina | 2 | $ 76,000 | $ 38,000 | $ 73,000 |
| Richland County North Dakota | 2 | $ 383,000 | $ 191,000 | $ 87,000 |
| Multnomah County Oregon | 2 | $ 15,000 | $ 7,000 | $ 63,000 |
| Aiken County South Carolina | 2 | $ 208,000 | $ 104,000 | $ 69,000 |
| Newberry County South Carolina | 2 | $ 462,000 | $ 231,000 | $ 128,000 |
| Davison County South Dakota | 2 | $ 244,000 | $ 122,000 | $ 50,000 |
| Loudon County Tennessee | 2 | $ 242,000 | $ 121,000 | $ 74,000 |
| Ector County Texas | 2 | $ 9,000 | $ 4,000 | $ 68,000 |
| Franklin County Texas | 2 | $ 261,000 | $ 130,000 | $ 68,000 |
| Hood County Texas | 2 | $ 312,000 | $ 156,000 | $ 103,000 |
| Lubbock County Texas | 2 | $ 267,000 | $ 133,000 | $ 70,000 |
| San Patricio County Texas | 2 | $ 242,000 | $ 121,000 | $ 83,000 |
| Benton County Washington | 2 | $ 348,000 | $ 174,000 | $ 127,000 |
| Chippewa County Wisconsin | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Talladega County Alabama | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Apache County Arizona | 1 | $ 27,000 | $ 27,000 | $ 45,000 |
| Sharp County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Colusa County California | 1 | $ 475,000 | $ 475,000 | $ 168,000 |
| Douglas County Colorado | 1 | $ 268,000 | $ 268,000 | $ 87,000 |
| Teller County Colorado | 1 | $ 261,000 | $ 261,000 | $ 84,000 |
| Litchfield County Connecticut | 1 | $ 381,000 | $ 381,000 | $ 102,000 |
| Escambia County Florida | 1 | $ 10,000 | $ 10,000 | $ 111,000 |
| Bartow County Georgia | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Carroll County Georgia | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Chatham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Cobb County Georgia | 1 | $ 279,000 | $ 279,000 | $ 150,000 |
| Dawson County Georgia | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Decatur County Georgia | 1 | $ 158,000 | $ 158,000 | $ 81,000 |
| Fayette County Georgia | 1 | $ 360,000 | $ 360,000 | $ 131,000 |
| Floyd County Georgia | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Forsyth County Georgia | 1 | $ 284,000 | $ 284,000 | $ 173,000 |
| Fulton County Georgia | 1 | $ 8,000 | $ 8,000 | $ 65,000 |
| Lee County Georgia | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Boone County Illinois | 1 | $ 188,000 | $ 188,000 | $ 119,000 |
| Coles County Illinois | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| McLean County Illinois | 1 | $ 191,000 | $ 191,000 | $ 59,000 |
| Sangamon County Illinois | 1 | $ 8,000 | $ 8,000 | $ 112,000 |
| Stark County Illinois | 1 | $ 3,000 | $ 3,000 | $ 85,000 |
| Winnebago County Illinois | 1 | $ 19,000 | $ 19,000 | $ 151,000 |
| Boone County Indiana | 1 | $ 376,000 | $ 376,000 | $ 225,000 |
| St. Joseph County Indiana | 1 | $ 100,000 | $ 100,000 | $ 196,000 |
| White County Indiana | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
| Cerro Gordo County Iowa | 1 | $ 18,000 | $ 18,000 | $ 91,000 |
| Decatur County Iowa | 1 | $ 93,000 | $ 93,000 | $ 91,000 |
| Dickinson County Iowa | 1 | $ 161,000 | $ 161,000 | $ 78,000 |
| Hancock County Iowa | 1 | $ 72,000 | $ 72,000 | $ 91,000 |
| Jones County Iowa | 1 | $ 99,000 | $ 99,000 | $ 111,000 |
| Keokuk County Iowa | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Marion County Iowa | 1 | $ 214,000 | $ 214,000 | $ 61,000 |
| Marshall County Iowa | 1 | $ 19,000 | $ 19,000 | $ 74,000 |
| Monroe County Iowa | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Crawford County Kansas | 1 | $ 230,000 | $ 230,000 | $ 106,000 |
| Douglas County Kansas | 1 | $ 319,000 | $ 319,000 | $ 113,000 |
| Labette County Kansas | 1 | $ 54,000 | $ 54,000 | $ 87,000 |
| Miami County Kansas | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Morris County Kansas | 1 | $ 58,000 | $ 58,000 | $ 39,000 |
| Neosho County Kansas | 1 | $ 7,000 | $ 7,000 | $ 46,000 |
| Calloway County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Cumberland County Kentucky | 1 | $ 8,000 | $ 8,000 | $ 36,000 |
| Edmonson County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 133,000 |
| Fulton County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Graves County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 40,000 |
| Assumption County Louisiana | 1 | $ 8,000 | $ 8,000 | $ 57,000 |
| Ouachita County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Baltimore City County Maryland | 1 | $ 3,000 | $ 3,000 | $ 37,000 |
| Prince George's County Maryland | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Norfolk County Massachusetts | 1 | $ 8,000 | $ 8,000 | $ 195,000 |
| Kalamazoo County Michigan | 1 | $ 239,000 | $ 239,000 | $ 150,000 |
| St. Joseph County Michigan | 1 | $ 206,000 | $ 206,000 | $ 165,000 |
| Carver County Minnesota | 1 | $ 239,000 | $ 239,000 | $ 73,000 |
| Cass County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Dakota County Minnesota | 1 | $ 234,000 | $ 234,000 | $ 100,000 |
| Kandiyohi County Minnesota | 1 | $ 250,000 | $ 250,000 | $ 200,000 |
| McLeod County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 257,000 |
| Rice County Minnesota | 1 | $ 290,000 | $ 290,000 | $ 71,000 |
| St. Louis County Minnesota | 1 | $ 76,000 | $ 76,000 | $ 134,000 |
| Wright County Minnesota | 1 | $ 197,000 | $ 197,000 | $ 109,000 |
| DeSoto County Mississippi | 1 | $ 49,000 | $ 49,000 | $ 209,000 |
| Barry County Missouri | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Cass County Missouri | 1 | $ 8,000 | $ 8,000 | $ 55,000 |
| Dallas County Missouri | 1 | $ 8,000 | $ 8,000 | $ 83,000 |
| Jasper County Missouri | 1 | $ 214,000 | $ 214,000 | $ 52,000 |
| Jefferson County Missouri | 1 | $ 156,000 | $ 156,000 | $ 202,000 |
| Marion County Missouri | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Polk County Missouri | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Shannon County Missouri | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
| Stoddard County Missouri | 1 | $ 27,000 | $ 27,000 | $ 57,000 |
| Taney County Missouri | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Cherry County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Holt County Nebraska | 1 | $ 230,000 | $ 230,000 | $ 71,000 |
| Rockingham County New Hampshire | 1 | $ 394,000 | $ 394,000 | $ 89,000 |
| Brunswick County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Chatham County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 277,000 |
| Cumberland County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 138,000 |
| Franklin County North Carolina | 1 | $ 331,000 | $ 331,000 | $ 86,000 |
| Johnston County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 63,000 |
| Randolph County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 115,000 |
| Rutherford County North Carolina | 1 | $ 13,000 | $ 13,000 | $ 96,000 |
| Wilkes County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Pembina County North Dakota | 1 | $ 86,000 | $ 86,000 | $ 83,000 |
| Ashland County Ohio | 1 | $ 8,000 | $ 8,000 | $ 71,000 |
| Auglaize County Ohio | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Butler County Ohio | 1 | $ 11,000 | $ 11,000 | $ 211,000 |
| Franklin County Ohio | 1 | $ 166,000 | $ 166,000 | $ 160,000 |
| Mahoning County Ohio | 1 | $ 74,000 | $ 74,000 | $ 36,000 |
| Richland County Ohio | 1 | $ 63,000 | $ 63,000 | $ 119,000 |
| Nowata County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 77,000 |
| Clackamas County Oregon | 1 | $ 8,000 | $ 8,000 | $ 113,000 |
| Anderson County South Carolina | 1 | $ 8,000 | $ 8,000 | $ 31,000 |
| Beaufort County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 89,000 |
| Edgefield County South Carolina | 1 | $ 21,000 | $ 21,000 | $ 117,000 |
| McCormick County South Carolina | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Richland County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 58,000 |
| York County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 118,000 |
| Lincoln County South Dakota | 1 | $ 222,000 | $ 222,000 | $ 81,000 |
| Union County South Dakota | 1 | $ 112,000 | $ 112,000 | $ 61,000 |
| Anderson County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 86,000 |
| Hamblen County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Knox County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 102,000 |
| Shelby County Tennessee | 1 | $ 302,000 | $ 302,000 | $ 152,000 |
| Sullivan County Tennessee | 1 | $ 229,000 | $ 229,000 | $ 62,000 |
| Williamson County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 75,000 |
| El Paso County Texas | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Ellis County Texas | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Fort Bend County Texas | 1 | $ 219,000 | $ 219,000 | $ 126,000 |
| Harris County Texas | 1 | $ 113,000 | $ 113,000 | $ 124,000 |
| Hays County Texas | 1 | $ 26,000 | $ 26,000 | $ 147,000 |
| Tarrant County Texas | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Webb County Texas | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Salt Lake County Utah | 1 | $ 77,000 | $ 77,000 | $ 197,000 |
| Summit County Utah | 1 | $ 332,000 | $ 332,000 | $ 95,000 |
| Henrico County Virginia | 1 | $ 90,000 | $ 90,000 | $ 140,000 |
| Eau Claire County Wisconsin | 1 | $ 210,000 | $ 210,000 | $ 174,000 |
| Fond du Lac County Wisconsin | 1 | $ 178,000 | $ 178,000 | $ 92,000 |
| Forest County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 150,000 |
| Marathon County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 45,000 |
| St. Croix County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 144,000 |
| Trempealeau County Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 50,000 |
| Vernon County Wisconsin | 1 | $ 71,000 | $ 71,000 | $ 176,000 |
| Vilas County Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 151,000 |
| Waukesha County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 194,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2013
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 | 831 | $148,561,000 | $178,000 | $598,000 | $102,000 | $660,000 |
| Refinancing | 717 | $97,291,000 | $135,000 | $594,000 | $100,000 | $360,000 |
| Home Improvement | 367 | $7,877,000 | $21,000 | $499,000 | $81,000 | $265,000 |
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 | 1,104 | $171,199,000 | $155,000 | $594,000 | $101,000 | $412,000 |
| Not Provided | 723 | $67,816,000 | $93,000 | $598,000 | $94,000 | $660,000 |
| Hispanic | 34 | $4,573,000 | $134,000 | $353,000 | $78,000 | $178,000 |
| Asian | 28 | $6,546,000 | $233,000 | $527,000 | $113,000 | $230,000 |
| Black or African American | 22 | $3,233,000 | $146,000 | $292,000 | $83,000 | $171,000 |
| American Indian or Alaskan Native | 4 | $362,000 | $90,000 | $128,000 | $50,000 | $67,000 |
| 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) | 1,915 | $253,729,000 | $132,000 | $598,000 | $97,000 | $660,000 |
| 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 | 1,198 | $145,521,000 | $121,000 | $512,000 | $97,000 | $660,000 |
| Application Denied By Financial Institution | 340 | $46,066,000 | $135,000 | $594,000 | $83,000 | $398,000 |
| File Closed For Incompleteness | 274 | $44,340,000 | $161,000 | $417,000 | $106,000 | $370,000 |
| Application Withdrawn By Applicant | 88 | $16,353,000 | $185,000 | $598,000 | $131,000 | $439,000 |
| Application Approved But Not Accepted | 15 | $1,449,000 | $96,000 | $380,000 | $100,000 | $222,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 100 | $10,575,000 | $105,000 | $475,000 | $80,000 | $254,000 |
| Credit Application Incomplete | 68 | $8,712,000 | $128,000 | $304,000 | $75,000 | $398,000 |
| Other | 57 | $10,044,000 | $176,000 | $540,000 | $97,000 | $300,000 |
| Collateral | 55 | $7,872,000 | $143,000 | $594,000 | $92,000 | $360,000 |
| Debt-To-Income Ratio | 45 | $7,433,000 | $165,000 | $417,000 | $83,000 | $398,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $937,000 | $133,000 | $301,000 | $60,000 | $90,000 |
| Unverifiable Information | 3 | $221,000 | $73,000 | $105,000 | $89,000 | $136,000 |
| Employment History | 3 | $205,000 | $68,000 | $77,000 | $46,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2013 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.