Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Empeople Credit Union 2015 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 | 1,183 |
| Total Mortgage Loan Application Amount | $105,165,000 |
| Average Mortgage Loan Application Amount | $90,666 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $94,666 |
| Highest Applicant Income | $780,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rock Island County Illinois | 165 | $ 10,417,000 | $ 63,000 | $ 81,000 |
| Scott County Iowa | 163 | $ 20,685,000 | $ 126,000 | $ 108,000 |
| Polk County Iowa | 98 | $ 11,346,000 | $ 115,000 | $ 105,000 |
| Black Hawk County Iowa | 87 | $ 4,960,000 | $ 57,000 | $ 86,000 |
| Henry County Illinois | 46 | $ 3,997,000 | $ 86,000 | $ 102,000 |
| Dallas County Iowa | 22 | $ 3,110,000 | $ 141,000 | $ 111,000 |
| Wake County North Carolina | 21 | $ 3,149,000 | $ 149,000 | $ 141,000 |
| Dubuque County Iowa | 19 | $ 2,750,000 | $ 144,000 | $ 91,000 |
| Bremer County Iowa | 18 | $ 927,000 | $ 51,000 | $ 88,000 |
| Cass County North Dakota | 16 | $ 1,335,000 | $ 83,000 | $ 75,000 |
| Greenville County South Carolina | 16 | $ 1,141,000 | $ 71,000 | $ 58,000 |
| Mercer County Illinois | 14 | $ 627,000 | $ 44,000 | $ 77,000 |
| Buchanan County Iowa | 13 | $ 1,017,000 | $ 78,000 | $ 69,000 |
| Spartanburg County South Carolina | 13 | $ 454,000 | $ 34,000 | $ 59,000 |
| Columbia County Georgia | 11 | $ 1,265,000 | $ 115,000 | $ 91,000 |
| Johnson County Kansas | 11 | $ 1,171,000 | $ 106,000 | $ 115,000 |
| Dodge County Wisconsin | 11 | $ 744,000 | $ 67,000 | $ 85,000 |
| Wapello County Iowa | 10 | $ 1,062,000 | $ 106,000 | $ 77,000 |
| Lafourche County Louisiana | 9 | $ 765,000 | $ 85,000 | $ 96,000 |
| Clay County Minnesota | 9 | $ 876,000 | $ 97,000 | $ 105,000 |
| Forsyth County North Carolina | 9 | $ 326,000 | $ 36,000 | $ 77,000 |
| Butler County Iowa | 8 | $ 821,000 | $ 102,000 | $ 103,000 |
| Jackson County Iowa | 8 | $ 424,000 | $ 53,000 | $ 157,000 |
| Grundy County Iowa | 7 | $ 540,000 | $ 77,000 | $ 87,000 |
| Montgomery County Kansas | 7 | $ 487,000 | $ 69,000 | $ 71,000 |
| Davidson County North Carolina | 7 | $ 315,000 | $ 45,000 | $ 85,000 |
| Greene County Tennessee | 7 | $ 238,000 | $ 34,000 | $ 45,000 |
| Jo Daviess County Illinois | 6 | $ 551,000 | $ 91,000 | $ 98,000 |
| Story County Iowa | 6 | $ 342,000 | $ 57,000 | $ 74,000 |
| Warren County Iowa | 6 | $ 156,000 | $ 26,000 | $ 103,000 |
| Whiteside County Illinois | 5 | $ 189,000 | $ 37,000 | $ 83,000 |
| Boone County Iowa | 5 | $ 429,000 | $ 85,000 | $ 73,000 |
| Clinton County Iowa | 5 | $ 167,000 | $ 33,000 | $ 79,000 |
| Madison County Iowa | 5 | $ 432,000 | $ 86,000 | $ 107,000 |
| Richmond County Georgia | 4 | $ 220,000 | $ 55,000 | $ 60,000 |
| Fayette County Iowa | 4 | $ 174,000 | $ 43,000 | $ 63,000 |
| Jasper County Iowa | 4 | $ 207,000 | $ 51,000 | $ 79,000 |
| Marshall County Iowa | 4 | $ 330,000 | $ 82,000 | $ 63,000 |
| Tama County Iowa | 4 | $ 310,000 | $ 77,000 | $ 71,000 |
| Rockingham County North Carolina | 4 | $ 67,000 | $ 16,000 | $ 54,000 |
| Barnes County North Dakota | 4 | $ 341,000 | $ 85,000 | $ 86,000 |
| Dane County Wisconsin | 4 | $ 250,000 | $ 62,000 | $ 111,000 |
| Grant County Wisconsin | 4 | $ 148,000 | $ 37,000 | $ 52,000 |
| Rock County Wisconsin | 4 | $ 180,000 | $ 45,000 | $ 78,000 |
| Maricopa County Arizona | 3 | $ 428,000 | $ 142,000 | $ 137,000 |
| Lee County Florida | 3 | $ 316,000 | $ 105,000 | $ 83,000 |
| Orange County Florida | 3 | $ 634,000 | $ 211,000 | $ 112,000 |
| Palm Beach County Florida | 3 | $ 318,000 | $ 106,000 | $ 81,000 |
| Gwinnett County Georgia | 3 | $ 133,000 | $ 44,000 | $ 78,000 |
| Cook County Illinois | 3 | $ 609,000 | $ 203,000 | $ 149,000 |
| DuPage County Illinois | 3 | $ 415,000 | $ 138,000 | $ 171,000 |
| Knox County Illinois | 3 | $ 428,000 | $ 142,000 | $ 127,000 |
| Greene County Iowa | 3 | $ 140,000 | $ 46,000 | $ 71,000 |
| Guthrie County Iowa | 3 | $ 36,000 | $ 12,000 | $ 81,000 |
| Muscatine County Iowa | 3 | $ 141,000 | $ 47,000 | $ 55,000 |
| Labette County Kansas | 3 | $ 24,000 | $ 8,000 | $ 72,000 |
| Otter Tail County Minnesota | 3 | $ 36,000 | $ 12,000 | $ 81,000 |
| Ramsey County Minnesota | 3 | $ 274,000 | $ 91,000 | $ 174,000 |
| Johnston County North Carolina | 3 | $ 41,000 | $ 13,000 | $ 90,000 |
| Nowata County Oklahoma | 3 | $ 115,000 | $ 38,000 | $ 113,000 |
| Cocke County Tennessee | 3 | $ 150,000 | $ 50,000 | $ 79,000 |
| Collin County Texas | 3 | $ 280,000 | $ 93,000 | $ 127,000 |
| Dallas County Texas | 3 | $ 466,000 | $ 155,000 | $ 53,000 |
| Denton County Texas | 3 | $ 384,000 | $ 128,000 | $ 120,000 |
| Washington County Wisconsin | 3 | $ 699,000 | $ 233,000 | $ 118,000 |
| Mobile County Alabama | 2 | $ 53,000 | $ 26,000 | $ 55,000 |
| Los Angeles County California | 2 | $ 93,000 | $ 46,000 | $ 108,000 |
| Denver County Colorado | 2 | $ 422,000 | $ 211,000 | $ 176,000 |
| Weld County Colorado | 2 | $ 28,000 | $ 14,000 | $ 103,000 |
| Broward County Florida | 2 | $ 668,000 | $ 334,000 | $ 348,000 |
| Collier County Florida | 2 | $ 425,000 | $ 212,000 | $ 204,000 |
| Manatee County Florida | 2 | $ 600,000 | $ 300,000 | $ 156,000 |
| DeKalb County Georgia | 2 | $ 425,000 | $ 212,000 | $ 108,000 |
| Forsyth County Georgia | 2 | $ 307,000 | $ 153,000 | $ 146,000 |
| Bureau County Illinois | 2 | $ 175,000 | $ 87,000 | $ 88,000 |
| Kane County Illinois | 2 | $ 60,000 | $ 30,000 | $ 94,000 |
| Lake County Illinois | 2 | $ 599,000 | $ 299,000 | $ 193,000 |
| Warren County Illinois | 2 | $ 71,000 | $ 35,000 | $ 56,000 |
| Allen County Indiana | 2 | $ 120,000 | $ 60,000 | $ 99,000 |
| Benton County Iowa | 2 | $ 39,000 | $ 19,000 | $ 70,000 |
| Cedar County Iowa | 2 | $ 33,000 | $ 16,000 | $ 55,000 |
| Davis County Iowa | 2 | $ 200,000 | $ 100,000 | $ 34,000 |
| Floyd County Iowa | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Johnson County Iowa | 2 | $ 401,000 | $ 200,000 | $ 75,000 |
| Linn County Iowa | 2 | $ 175,000 | $ 87,000 | $ 117,000 |
| Marion County Iowa | 2 | $ 66,000 | $ 33,000 | $ 61,000 |
| Miami County Kansas | 2 | $ 537,000 | $ 268,000 | $ 126,000 |
| Morris County Kansas | 2 | $ 205,000 | $ 102,000 | $ 151,000 |
| Graves County Kentucky | 2 | $ 9,000 | $ 4,000 | $ 58,000 |
| Assumption County Louisiana | 2 | $ 101,000 | $ 50,000 | $ 99,000 |
| Dakota County Minnesota | 2 | $ 258,000 | $ 129,000 | $ 106,000 |
| Webster County Missouri | 2 | $ 11,000 | $ 5,000 | $ 50,000 |
| Douglas County Nebraska | 2 | $ 466,000 | $ 233,000 | $ 114,000 |
| Red Willow County Nebraska | 2 | $ 142,000 | $ 71,000 | $ 79,000 |
| Alamance County North Carolina | 2 | $ 145,000 | $ 72,000 | $ 71,000 |
| Cabarrus County North Carolina | 2 | $ 165,000 | $ 82,000 | $ 84,000 |
| Guilford County North Carolina | 2 | $ 54,000 | $ 27,000 | $ 65,000 |
| Harnett County North Carolina | 2 | $ 39,000 | $ 19,000 | $ 88,000 |
| Randolph County North Carolina | 2 | $ 114,000 | $ 57,000 | $ 68,000 |
| Surry County North Carolina | 2 | $ 203,000 | $ 101,000 | $ 60,000 |
| Lawrence County Pennsylvania | 2 | $ 16,000 | $ 8,000 | $ 63,000 |
| Beaufort County South Carolina | 2 | $ 352,000 | $ 176,000 | $ 119,000 |
| Horry County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 29,000 |
| Washington County Tennessee | 2 | $ 10,000 | $ 5,000 | $ 47,000 |
| Harris County Texas | 2 | $ 355,000 | $ 177,000 | $ 99,000 |
| Hidalgo County Texas | 2 | $ 157,000 | $ 78,000 | $ 78,000 |
| Jefferson County Wisconsin | 2 | $ 134,000 | $ 67,000 | $ 133,000 |
| Lafayette County Wisconsin | 2 | $ 73,000 | $ 36,000 | $ 29,000 |
| Richland County Wisconsin | 2 | $ 128,000 | $ 64,000 | $ 97,000 |
| Shelby County Alabama | 1 | $ 286,000 | $ 286,000 | $ 181,000 |
| Mohave County Arizona | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Benton County Arkansas | 1 | $ 127,000 | $ 127,000 | $ 64,000 |
| Craighead County Arkansas | 1 | $ 17,000 | $ 17,000 | $ 51,000 |
| Washington County Arkansas | 1 | $ 8,000 | $ 8,000 | $ 45,000 |
| El Dorado County California | 1 | $ 63,000 | $ 63,000 | $ 79,000 |
| San Diego County California | 1 | $ 10,000 | $ 10,000 | $ 94,000 |
| San Joaquin County California | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Adams County Colorado | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Chaffee County Colorado | 1 | $ 32,000 | $ 32,000 | $ 70,000 |
| Larimer County Colorado | 1 | $ 258,000 | $ 258,000 | $ 86,000 |
| Pasco County Florida | 1 | $ 8,000 | $ 8,000 | $ 57,000 |
| Pinellas County Florida | 1 | $ 152,000 | $ 152,000 | $ 116,000 |
| Santa Rosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| St. Lucie County Florida | 1 | $ 7,000 | $ 7,000 | $ 50,000 |
| Sumter County Florida | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Volusia County Florida | 1 | $ 8,000 | $ 8,000 | $ 61,000 |
| Burke County Georgia | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Cook County Georgia | 1 | $ 3,000 | $ 3,000 | $ 31,000 |
| Fulton County Georgia | 1 | $ 184,000 | $ 184,000 | $ 60,000 |
| Henry County Georgia | 1 | $ 6,000 | $ 6,000 | $ 42,000 |
| Lumpkin County Georgia | 1 | $ 60,000 | $ 60,000 | $ 185,000 |
| McDuffie County Georgia | 1 | $ 8,000 | $ 8,000 | $ 37,000 |
| Adams County Illinois | 1 | $ 4,000 | $ 4,000 | $ 123,000 |
| Carroll County Illinois | 1 | $ 4,000 | $ 4,000 | $ 76,000 |
| Champaign County Illinois | 1 | $ 123,000 | $ 123,000 | $ 131,000 |
| DeKalb County Illinois | 1 | $ 20,000 | $ 20,000 | $ 76,000 |
| Will County Illinois | 1 | $ 373,000 | $ 373,000 | $ 141,000 |
| Hendricks County Indiana | 1 | $ 178,000 | $ 178,000 | $ 89,000 |
| Adair County Iowa | 1 | $ 4,000 | $ 4,000 | $ 123,000 |
| Chickasaw County Iowa | 1 | $ 8,000 | $ 8,000 | $ 42,000 |
| Dickinson County Iowa | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Harrison County Iowa | 1 | $ 100,000 | $ 100,000 | $ 152,000 |
| Howard County Iowa | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Humboldt County Iowa | 1 | $ 4,000 | $ 4,000 | $ 46,000 |
| Jones County Iowa | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Keokuk County Iowa | 1 | $ 56,000 | $ 56,000 | $ 106,000 |
| Mahaska County Iowa | 1 | $ 13,000 | $ 13,000 | $ 72,000 |
| Poweshiek County Iowa | 1 | $ 6,000 | $ 6,000 | $ 46,000 |
| Sioux County Iowa | 1 | $ 90,000 | $ 90,000 | $ 68,000 |
| Webster County Iowa | 1 | $ 94,000 | $ 94,000 | $ 102,000 |
| Leavenworth County Kansas | 1 | $ 352,000 | $ 352,000 | $ 194,000 |
| Lincoln County Kansas | 1 | $ 8,000 | $ 8,000 | $ 64,000 |
| Wyandotte County Kansas | 1 | $ 110,000 | $ 110,000 | $ 107,000 |
| Caldwell County Kentucky | 1 | $ 114,000 | $ 114,000 | $ 144,000 |
| Hardin County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| Pulaski County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 173,000 |
| Ouachita County Louisiana | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
| St. James County Louisiana | 1 | $ 80,000 | $ 80,000 | $ 169,000 |
| Harford County Maryland | 1 | $ 10,000 | $ 10,000 | $ 118,000 |
| Berrien County Michigan | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Grand Traverse County Michigan | 1 | $ 25,000 | $ 25,000 | $ 197,000 |
| Ingham County Michigan | 1 | $ 140,000 | $ 140,000 | $ 98,000 |
| Kent County Michigan | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Hennepin County Minnesota | 1 | $ 6,000 | $ 6,000 | $ 119,000 |
| Lyon County Minnesota | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Morrison County Minnesota | 1 | $ 72,000 | $ 72,000 | $ 149,000 |
| Scott County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 173,000 |
| Stearns County Minnesota | 1 | $ 8,000 | $ 8,000 | $ 184,000 |
| DeSoto County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Boone County Missouri | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Camden County Missouri | 1 | $ 6,000 | $ 6,000 | $ 62,000 |
| Cass County Missouri | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Christian County Missouri | 1 | $ 8,000 | $ 8,000 | $ 77,000 |
| Greene County Missouri | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Jackson County Missouri | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Jasper County Missouri | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Platte County Missouri | 1 | $ 100,000 | $ 100,000 | $ 191,000 |
| St. Louis County Missouri | 1 | $ 390,000 | $ 390,000 | $ 317,000 |
| Wright County Missouri | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Keith County Nebraska | 1 | $ 200,000 | $ 200,000 | $ 180,000 |
| Lincoln County Nebraska | 1 | $ 91,000 | $ 91,000 | $ 85,000 |
| Dare County North Carolina | 1 | $ 171,000 | $ 171,000 | $ 84,000 |
| Iredell County North Carolina | 1 | $ 310,000 | $ 310,000 | $ 101,000 |
| Lincoln County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Wilkes County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 81,000 |
| Yadkin County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 62,000 |
| Bottineau County North Dakota | 1 | $ 409,000 | $ 409,000 | $ 113,000 |
| Burleigh County North Dakota | 1 | $ 8,000 | $ 8,000 | $ 71,000 |
| Richland County North Dakota | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Auglaize County Ohio | 1 | $ 30,000 | $ 30,000 | $ 114,000 |
| Franklin County Ohio | 1 | $ 4,000 | $ 4,000 | $ 146,000 |
| Licking County Ohio | 1 | $ 121,000 | $ 121,000 | $ 111,000 |
| Ross County Ohio | 1 | $ 187,000 | $ 187,000 | $ 108,000 |
| Wayne County Ohio | 1 | $ 229,000 | $ 229,000 | $ 109,000 |
| Wood County Ohio | 1 | $ 211,000 | $ 211,000 | $ 97,000 |
| Bryan County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 144,000 |
| Garvin County Oklahoma | 1 | $ 6,000 | $ 6,000 | $ 63,000 |
| Oklahoma County Oklahoma | 1 | $ 193,000 | $ 193,000 | $ 196,000 |
| Tillman County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 75,000 |
| Washington County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Clackamas County Oregon | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Multnomah County Oregon | 1 | $ 34,000 | $ 34,000 | $ 97,000 |
| Dauphin County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 126,000 |
| Anderson County South Carolina | 1 | $ 8,000 | $ 8,000 | $ 57,000 |
| Charleston County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 93,000 |
| Oconee County South Carolina | 1 | $ 7,000 | $ 7,000 | $ 24,000 |
| Pickens County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Union County South Carolina | 1 | $ 71,000 | $ 71,000 | $ 80,000 |
| Davison County South Dakota | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Lincoln County South Dakota | 1 | $ 30,000 | $ 30,000 | $ 149,000 |
| Davidson County Tennessee | 1 | $ 207,000 | $ 207,000 | $ 114,000 |
| Hamblen County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 631,000 |
| Knox County Tennessee | 1 | $ 3,000 | $ 3,000 | $ 34,000 |
| Loudon County Tennessee | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Robertson County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 59,000 |
| Rutherford County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 142,000 |
| Williamson County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 225,000 |
| Ector County Texas | 1 | $ 7,000 | $ 7,000 | $ 58,000 |
| Goliad County Texas | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Hall County Texas | 1 | $ 5,000 | $ 5,000 | $ 54,000 |
| Haskell County Texas | 1 | $ 8,000 | $ 8,000 | $ 78,000 |
| Hays County Texas | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| Travis County Texas | 1 | $ 8,000 | $ 8,000 | $ 200,000 |
| Clark County Washington | 1 | $ 6,000 | $ 6,000 | $ 97,000 |
| Skagit County Washington | 1 | $ 296,000 | $ 296,000 | $ 112,000 |
| Chippewa County Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 94,000 |
| Eau Claire County Wisconsin | 1 | $ 190,000 | $ 190,000 | $ 96,000 |
| Fond du Lac County Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Iowa County Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 70,000 |
| Marathon County Wisconsin | 1 | $ 3,000 | $ 3,000 | $ 47,000 |
| Sauk County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Waukesha County Wisconsin | 1 | $ 178,000 | $ 178,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2015
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 | 414 | $5,061,000 | $12,000 | $126,000 | $80,000 | $780,000 |
| Refinancing | 391 | $43,342,000 | $110,000 | $415,000 | $99,000 | $584,000 |
| Home Purchase | 378 | $56,762,000 | $150,000 | $660,000 | $105,000 | $355,000 |
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 | 767 | $42,273,000 | $55,000 | $660,000 | $93,000 | $780,000 |
| White | 383 | $57,855,000 | $151,000 | $417,000 | $98,000 | $344,000 |
| Asian | 14 | $2,786,000 | $199,000 | $417,000 | $130,000 | $256,000 |
| Hispanic | 11 | $1,211,000 | $110,000 | $299,000 | $78,000 | $116,000 |
| Black or African American | 7 | $910,000 | $130,000 | $274,000 | $68,000 | $148,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $114,000 | $114,000 |
| 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) | 1,183 | $105,165,000 | $88,000 | $660,000 | $94,000 | $780,000 |
| 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 | 829 | $56,909,000 | $68,000 | $417,000 | $94,000 | $780,000 |
| Application Denied By Financial Institution | 189 | $21,003,000 | $111,000 | $660,000 | $81,000 | $284,000 |
| File Closed For Incompleteness | 141 | $23,786,000 | $168,000 | $417,000 | $109,000 | $322,000 |
| Application Withdrawn By Applicant | 22 | $3,079,000 | $139,000 | $417,000 | $122,000 | $315,000 |
| Application Approved But Not Accepted | 2 | $388,000 | $194,000 | $295,000 | $76,000 | $115,000 |
| 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 | 68 | $4,195,000 | $61,000 | $660,000 | $71,000 | $175,000 |
| Debt-To-Income Ratio | 46 | $5,450,000 | $118,000 | $348,000 | $63,000 | $133,000 |
| Credit Application Incomplete | 29 | $6,525,000 | $225,000 | $628,000 | $123,000 | $277,000 |
| Collateral | 20 | $2,275,000 | $113,000 | $211,000 | $81,000 | $142,000 |
| Other | 12 | $1,473,000 | $122,000 | $327,000 | $84,000 | $284,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $495,000 | $99,000 | $126,000 | $83,000 | $139,000 |
| Employment History | 3 | $113,000 | $37,000 | $60,000 | $103,000 | $184,000 |
| Unverifiable Information | 1 | $409,000 | $409,000 | $409,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2015 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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