Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Empeople Credit Union 2014 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 | 1,117 |
| Total Mortgage Loan Application Amount | $78,996,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $748,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $430,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 142 | $ 9,684,000 | $ 68,000 | $ 98,000 |
| Rock Island County Illinois | 140 | $ 8,816,000 | $ 62,000 | $ 81,000 |
| Black Hawk County Iowa | 122 | $ 5,996,000 | $ 49,000 | $ 76,000 |
| Polk County Iowa | 101 | $ 9,109,000 | $ 90,000 | $ 94,000 |
| Henry County Illinois | 47 | $ 3,833,000 | $ 81,000 | $ 109,000 |
| Dubuque County Iowa | 28 | $ 2,337,000 | $ 83,000 | $ 93,000 |
| Dallas County Iowa | 20 | $ 2,868,000 | $ 143,000 | $ 134,000 |
| Cass County North Dakota | 20 | $ 2,486,000 | $ 124,000 | $ 89,000 |
| Buchanan County Iowa | 17 | $ 974,000 | $ 57,000 | $ 81,000 |
| Bremer County Iowa | 14 | $ 1,052,000 | $ 75,000 | $ 85,000 |
| Johnson County Kansas | 14 | $ 604,000 | $ 43,000 | $ 92,000 |
| Greenville County South Carolina | 14 | $ 406,000 | $ 29,000 | $ 76,000 |
| Mercer County Illinois | 11 | $ 298,000 | $ 27,000 | $ 88,000 |
| Grundy County Iowa | 11 | $ 201,000 | $ 18,000 | $ 74,000 |
| Wake County North Carolina | 11 | $ 1,262,000 | $ 114,000 | $ 114,000 |
| Lafourche County Louisiana | 10 | $ 590,000 | $ 59,000 | $ 87,000 |
| Dodge County Wisconsin | 9 | $ 160,000 | $ 17,000 | $ 63,000 |
| Columbia County Georgia | 7 | $ 523,000 | $ 74,000 | $ 69,000 |
| Story County Iowa | 7 | $ 254,000 | $ 36,000 | $ 48,000 |
| Wapello County Iowa | 7 | $ 443,000 | $ 63,000 | $ 81,000 |
| Montgomery County Kansas | 7 | $ 391,000 | $ 55,000 | $ 128,000 |
| Greene County Missouri | 7 | $ 397,000 | $ 56,000 | $ 70,000 |
| Cook County Illinois | 6 | $ 1,141,000 | $ 190,000 | $ 75,000 |
| Jo Daviess County Illinois | 6 | $ 533,000 | $ 88,000 | $ 87,000 |
| Clinton County Iowa | 6 | $ 201,000 | $ 33,000 | $ 81,000 |
| Tama County Iowa | 6 | $ 193,000 | $ 32,000 | $ 74,000 |
| Clay County Minnesota | 6 | $ 413,000 | $ 68,000 | $ 102,000 |
| Barnes County North Dakota | 6 | $ 662,000 | $ 110,000 | $ 77,000 |
| Spartanburg County South Carolina | 6 | $ 269,000 | $ 44,000 | $ 68,000 |
| Whiteside County Illinois | 5 | $ 385,000 | $ 77,000 | $ 75,000 |
| Fayette County Iowa | 5 | $ 469,000 | $ 93,000 | $ 77,000 |
| Jackson County Iowa | 5 | $ 138,000 | $ 27,000 | $ 59,000 |
| Baltimore City County Maryland | 5 | $ 26,000 | $ 5,000 | $ 34,000 |
| Greene County Tennessee | 5 | $ 58,000 | $ 11,000 | $ 54,000 |
| Denton County Texas | 5 | $ 971,000 | $ 194,000 | $ 140,000 |
| Grant County Wisconsin | 5 | $ 565,000 | $ 113,000 | $ 70,000 |
| Knox County Illinois | 4 | $ 119,000 | $ 29,000 | $ 62,000 |
| Boone County Iowa | 4 | $ 377,000 | $ 94,000 | $ 83,000 |
| Butler County Iowa | 4 | $ 130,000 | $ 32,000 | $ 80,000 |
| Forsyth County North Carolina | 4 | $ 31,000 | $ 7,000 | $ 48,000 |
| Johnston County North Carolina | 4 | $ 129,000 | $ 32,000 | $ 103,000 |
| Dane County Wisconsin | 4 | $ 679,000 | $ 169,000 | $ 134,000 |
| San Diego County California | 3 | $ 633,000 | $ 211,000 | $ 128,000 |
| Bureau County Illinois | 3 | $ 176,000 | $ 58,000 | $ 147,000 |
| Benton County Iowa | 3 | $ 354,000 | $ 118,000 | $ 81,000 |
| Cedar County Iowa | 3 | $ 180,000 | $ 60,000 | $ 143,000 |
| Guthrie County Iowa | 3 | $ 856,000 | $ 285,000 | $ 224,000 |
| Warren County Iowa | 3 | $ 149,000 | $ 49,000 | $ 89,000 |
| Dakota County Minnesota | 3 | $ 101,000 | $ 33,000 | $ 108,000 |
| Webster County Missouri | 3 | $ 434,000 | $ 144,000 | $ 79,000 |
| Cabarrus County North Carolina | 3 | $ 367,000 | $ 122,000 | $ 90,000 |
| Davidson County North Carolina | 3 | $ 138,000 | $ 46,000 | $ 76,000 |
| Guilford County North Carolina | 3 | $ 88,000 | $ 29,000 | $ 78,000 |
| Mecklenburg County North Carolina | 3 | $ 710,000 | $ 236,000 | $ 79,000 |
| Multnomah County Oregon | 3 | $ 28,000 | $ 9,000 | $ 63,000 |
| Pickens County South Carolina | 3 | $ 156,000 | $ 52,000 | $ 57,000 |
| Columbia County Wisconsin | 3 | $ 160,000 | $ 53,000 | $ 89,000 |
| Ventura County California | 2 | $ 120,000 | $ 60,000 | $ 161,000 |
| Denver County Colorado | 2 | $ 208,000 | $ 104,000 | $ 72,000 |
| Broward County Florida | 2 | $ 58,000 | $ 29,000 | $ 85,000 |
| Lee County Florida | 2 | $ 255,000 | $ 127,000 | $ 94,000 |
| Martin County Florida | 2 | $ 39,000 | $ 19,000 | $ 73,000 |
| Palm Beach County Florida | 2 | $ 9,000 | $ 4,000 | $ 70,000 |
| Effingham County Georgia | 2 | $ 70,000 | $ 35,000 | $ 103,000 |
| Gwinnett County Georgia | 2 | $ 240,000 | $ 120,000 | $ 104,000 |
| Richmond County Georgia | 2 | $ 65,000 | $ 32,000 | $ 54,000 |
| Kane County Illinois | 2 | $ 252,000 | $ 126,000 | $ 118,000 |
| Lake County Illinois | 2 | $ 274,000 | $ 137,000 | $ 137,000 |
| Morgan County Illinois | 2 | $ 11,000 | $ 5,000 | $ 30,000 |
| Allen County Indiana | 2 | $ 103,000 | $ 51,000 | $ 253,000 |
| Chickasaw County Iowa | 2 | $ 16,000 | $ 8,000 | $ 48,000 |
| Hardin County Iowa | 2 | $ 172,000 | $ 86,000 | $ 102,000 |
| Johnson County Iowa | 2 | $ 68,000 | $ 34,000 | $ 263,000 |
| Keokuk County Iowa | 2 | $ 131,000 | $ 65,000 | $ 71,000 |
| Linn County Iowa | 2 | $ 119,000 | $ 59,000 | $ 63,000 |
| Mahaska County Iowa | 2 | $ 90,000 | $ 45,000 | $ 74,000 |
| Mills County Iowa | 2 | $ 10,000 | $ 5,000 | $ 150,000 |
| Monroe County Iowa | 2 | $ 181,000 | $ 90,000 | $ 44,000 |
| Muscatine County Iowa | 2 | $ 157,000 | $ 78,000 | $ 120,000 |
| Macomb County Michigan | 2 | $ 358,000 | $ 179,000 | $ 91,000 |
| Carver County Minnesota | 2 | $ 12,000 | $ 6,000 | $ 86,000 |
| Hennepin County Minnesota | 2 | $ 139,000 | $ 69,000 | $ 146,000 |
| Jackson County Missouri | 2 | $ 265,000 | $ 132,000 | $ 86,000 |
| Shannon County Missouri | 2 | $ 8,000 | $ 4,000 | $ 56,000 |
| St. Louis County Missouri | 2 | $ 43,000 | $ 21,000 | $ 87,000 |
| Lancaster County Nebraska | 2 | $ 132,000 | $ 66,000 | $ 48,000 |
| Onslow County North Carolina | 2 | $ 471,000 | $ 235,000 | $ 144,000 |
| Anderson County South Carolina | 2 | $ 45,000 | $ 22,000 | $ 79,000 |
| Crockett County Tennessee | 2 | $ 135,000 | $ 67,000 | $ 53,000 |
| Gibson County Tennessee | 2 | $ 97,000 | $ 48,000 | $ 90,000 |
| Henry County Tennessee | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Washington County Tennessee | 2 | $ 54,000 | $ 27,000 | $ 81,000 |
| Wilson County Tennessee | 2 | $ 135,000 | $ 67,000 | $ 86,000 |
| Dallas County Texas | 2 | $ 28,000 | $ 14,000 | $ 90,000 |
| Louisa County Virginia | 2 | $ 245,000 | $ 122,000 | $ 130,000 |
| Clark County Washington | 2 | $ 66,000 | $ 33,000 | $ 98,000 |
| Chippewa County Wisconsin | 2 | $ 58,000 | $ 29,000 | $ 117,000 |
| Washington County Wisconsin | 2 | $ 324,000 | $ 162,000 | $ 153,000 |
| Jefferson County Alabama | 1 | $ 3,000 | $ 3,000 | $ 126,000 |
| Lee County Alabama | 1 | $ 30,000 | $ 30,000 | $ 88,000 |
| Benton County Arkansas | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Colusa County California | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Los Angeles County California | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
| San Joaquin County California | 1 | $ 8,000 | $ 8,000 | $ 95,000 |
| Adams County Colorado | 1 | $ 8,000 | $ 8,000 | $ 120,000 |
| Douglas County Colorado | 1 | $ 9,000 | $ 9,000 | $ 102,000 |
| Grand County Colorado | 1 | $ 250,000 | $ 250,000 | $ 139,000 |
| Jefferson County Colorado | 1 | $ 293,000 | $ 293,000 | $ 90,000 |
| Mesa County Colorado | 1 | $ 64,000 | $ 64,000 | $ 86,000 |
| Collier County Florida | 1 | $ 7,000 | $ 7,000 | $ 105,000 |
| Highlands County Florida | 1 | $ 92,000 | $ 92,000 | $ 57,000 |
| Miami-Dade County Florida | 1 | $ 40,000 | $ 40,000 | $ 124,000 |
| Orange County Florida | 1 | $ 284,000 | $ 284,000 | $ 153,000 |
| Pasco County Florida | 1 | $ 8,000 | $ 8,000 | $ 73,000 |
| Coweta County Georgia | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| DeKalb County Georgia | 1 | $ 21,000 | $ 21,000 | $ 90,000 |
| Forsyth County Georgia | 1 | $ 8,000 | $ 8,000 | $ 100,000 |
| Fulton County Georgia | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Walton County Georgia | 1 | $ 7,000 | $ 7,000 | $ 97,000 |
| Bonneville County Idaho | 1 | $ 141,000 | $ 141,000 | $ 96,000 |
| Champaign County Illinois | 1 | $ 4,000 | $ 4,000 | $ 100,000 |
| DuPage County Illinois | 1 | $ 8,000 | $ 8,000 | $ 216,000 |
| Macoupin County Illinois | 1 | $ 60,000 | $ 60,000 | $ 88,000 |
| Peoria County Illinois | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Stark County Illinois | 1 | $ 8,000 | $ 8,000 | $ 85,000 |
| Monroe County Indiana | 1 | $ 5,000 | $ 5,000 | $ 98,000 |
| Adair County Iowa | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Cerro Gordo County Iowa | 1 | $ 127,000 | $ 127,000 | $ 296,000 |
| Clayton County Iowa | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| Floyd County Iowa | 1 | $ 8,000 | $ 8,000 | $ 37,000 |
| Hamilton County Iowa | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Jasper County Iowa | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Jones County Iowa | 1 | $ 12,000 | $ 12,000 | $ 51,000 |
| Madison County Iowa | 1 | $ 150,000 | $ 150,000 | $ 107,000 |
| Marion County Iowa | 1 | $ 41,000 | $ 41,000 | $ 126,000 |
| Marshall County Iowa | 1 | $ 37,000 | $ 37,000 | $ 89,000 |
| Union County Iowa | 1 | $ 100,000 | $ 100,000 | $ 219,000 |
| Wright County Iowa | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Douglas County Kansas | 1 | $ 31,000 | $ 31,000 | $ 38,000 |
| Harvey County Kansas | 1 | $ 138,000 | $ 138,000 | $ 142,000 |
| Labette County Kansas | 1 | $ 102,000 | $ 102,000 | $ 76,000 |
| Leavenworth County Kansas | 1 | $ 181,000 | $ 181,000 | $ 115,000 |
| Graves County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Logan County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 77,000 |
| Rockcastle County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Ascension County Louisiana | 1 | $ 8,000 | $ 8,000 | $ 110,000 |
| East Baton Rouge County Louisiana | 1 | $ 16,000 | $ 16,000 | $ 185,000 |
| Kent County Michigan | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Mason County Michigan | 1 | $ 216,000 | $ 216,000 | $ 136,000 |
| Muskegon County Michigan | 1 | $ 89,000 | $ 89,000 | $ 288,000 |
| Washtenaw County Michigan | 1 | $ 22,000 | $ 22,000 | $ 64,000 |
| Aitkin County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Crow Wing County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 430,000 |
| Kandiyohi County Minnesota | 1 | $ 14,000 | $ 14,000 | $ 67,000 |
| Rock County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 76,000 |
| Stearns County Minnesota | 1 | $ 16,000 | $ 16,000 | $ 51,000 |
| Caldwell County Missouri | 1 | $ 4,000 | $ 4,000 | $ 39,000 |
| Morgan County Missouri | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Polk County Missouri | 1 | $ 13,000 | $ 13,000 | $ 52,000 |
| Stone County Missouri | 1 | $ 30,000 | $ 30,000 | $ 107,000 |
| Douglas County Nebraska | 1 | $ 58,000 | $ 58,000 | $ 169,000 |
| Holt County Nebraska | 1 | $ 8,000 | $ 8,000 | $ 47,000 |
| Keith County Nebraska | 1 | $ 31,000 | $ 31,000 | $ 160,000 |
| Bernalillo County New Mexico | 1 | $ 8,000 | $ 8,000 | $ 67,000 |
| Onondaga County New York | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Chatham County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 199,000 |
| Davie County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 63,000 |
| Harnett County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 98,000 |
| Lee County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Macon County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Yadkin County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 44,000 |
| Yancey County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 170,000 |
| Grand Forks County North Dakota | 1 | $ 399,000 | $ 399,000 | $ 118,000 |
| Richland County North Dakota | 1 | $ 8,000 | $ 8,000 | $ 89,000 |
| Stutsman County North Dakota | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Ashland County Ohio | 1 | $ 8,000 | $ 8,000 | $ 79,000 |
| Auglaize County Ohio | 1 | $ 8,000 | $ 8,000 | $ 99,000 |
| Franklin County Ohio | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Hamilton County Ohio | 1 | $ 44,000 | $ 44,000 | $ 95,000 |
| Miami County Ohio | 1 | $ 360,000 | $ 360,000 | $ 196,000 |
| Montgomery County Ohio | 1 | $ 157,000 | $ 157,000 | $ 180,000 |
| Nowata County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 124,000 |
| Benton County Oregon | 1 | $ 40,000 | $ 40,000 | $ 114,000 |
| Allegheny County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 79,000 |
| Butler County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 161,000 |
| Montgomery County Pennsylvania | 1 | $ 304,000 | $ 304,000 | $ 110,000 |
| Aiken County South Carolina | 1 | $ 8,000 | $ 8,000 | $ 50,000 |
| Beaufort County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Cherokee County South Carolina | 1 | $ 17,000 | $ 17,000 | $ 41,000 |
| Hanson County South Dakota | 1 | $ 8,000 | $ 8,000 | $ 39,000 |
| Cocke County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Hamblen County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Houston County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 65,000 |
| Knox County Tennessee | 1 | $ 11,000 | $ 11,000 | $ 52,000 |
| Weakley County Tennessee | 1 | $ 52,000 | $ 52,000 | $ 28,000 |
| Bandera County Texas | 1 | $ 288,000 | $ 288,000 | $ 200,000 |
| Comal County Texas | 1 | $ 304,000 | $ 304,000 | $ 202,000 |
| El Paso County Texas | 1 | $ 210,000 | $ 210,000 | $ 76,000 |
| Fort Bend County Texas | 1 | $ 142,000 | $ 142,000 | $ 87,000 |
| Grayson County Texas | 1 | $ 37,000 | $ 37,000 | $ 300,000 |
| Harris County Texas | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Knox County Texas | 1 | $ 4,000 | $ 4,000 | $ 35,000 |
| San Patricio County Texas | 1 | $ 119,000 | $ 119,000 | $ 77,000 |
| Smith County Texas | 1 | $ 139,000 | $ 139,000 | $ 116,000 |
| Travis County Texas | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
| Salt Lake County Utah | 1 | $ 417,000 | $ 417,000 | $ 276,000 |
| Snohomish County Washington | 1 | $ 8,000 | $ 8,000 | $ 91,000 |
| Fond du Lac County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Iowa County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Sauk County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Waukesha County Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2014
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 Improvement | 463 | $7,893,000 | $17,000 | $185,000 | $80,000 | $300,000 |
| Home Purchase | 408 | $49,527,000 | $121,000 | $748,000 | $100,000 | $430,000 |
| Refinancing | 246 | $21,576,000 | $87,000 | $417,000 | $96,000 | $296,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 702 | $30,057,000 | $42,000 | $399,000 | $88,000 | $430,000 |
| White | 376 | $43,898,000 | $116,000 | $748,000 | $94,000 | $308,000 |
| Hispanic | 17 | $1,855,000 | $109,000 | $254,000 | $105,000 | $415,000 |
| Asian | 11 | $1,433,000 | $130,000 | $312,000 | $116,000 | $223,000 |
| Black or African American | 11 | $1,753,000 | $159,000 | $417,000 | $97,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,117 | $78,996,000 | $70,000 | $748,000 | $91,000 | $430,000 |
| 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 | 824 | $44,149,000 | $53,000 | $540,000 | $90,000 | $430,000 |
| Application Denied By Financial Institution | 169 | $15,119,000 | $89,000 | $417,000 | $82,000 | $300,000 |
| File Closed For Incompleteness | 100 | $17,936,000 | $179,000 | $748,000 | $114,000 | $315,000 |
| Application Approved But Not Accepted | 12 | $346,000 | $28,000 | $93,000 | $94,000 | $170,000 |
| Application Withdrawn By Applicant | 12 | $1,446,000 | $120,000 | $203,000 | $87,000 | $191,000 |
| 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 | 76 | $4,817,000 | $63,000 | $249,000 | $81,000 | $208,000 |
| Collateral | 27 | $2,477,000 | $91,000 | $216,000 | $93,000 | $300,000 |
| Debt-To-Income Ratio | 25 | $2,287,000 | $91,000 | $221,000 | $51,000 | $114,000 |
| Credit Application Incomplete | 18 | $2,991,000 | $166,000 | $380,000 | $123,000 | $296,000 |
| Other | 16 | $2,186,000 | $136,000 | $417,000 | $76,000 | $138,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $48,000 | $48,000 |
| Employment History | 1 | $192,000 | $192,000 | $192,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2014 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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