Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Empeople Credit Union 2016 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 | 2,187 |
| Total Mortgage Loan Application Amount | $308,727,000 |
| Average Mortgage Loan Application Amount | $114,666 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $95,333 |
| Highest Applicant Income | $678,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 311 | $ 54,040,000 | $ 173,000 | $ 115,000 |
| Rock Island County Illinois | 208 | $ 19,270,000 | $ 92,000 | $ 84,000 |
| Polk County Iowa | 200 | $ 31,618,000 | $ 158,000 | $ 101,000 |
| Black Hawk County Iowa | 167 | $ 19,441,000 | $ 116,000 | $ 86,000 |
| Dubuque County Iowa | 61 | $ 8,910,000 | $ 146,000 | $ 90,000 |
| Henry County Illinois | 58 | $ 6,200,000 | $ 106,000 | $ 103,000 |
| Dallas County Iowa | 53 | $ 9,945,000 | $ 187,000 | $ 120,000 |
| Johnson County Kansas | 49 | $ 11,003,000 | $ 224,000 | $ 106,000 |
| Columbia County Georgia | 41 | $ 7,629,000 | $ 186,000 | $ 93,000 |
| Wake County North Carolina | 40 | $ 7,561,000 | $ 189,000 | $ 119,000 |
| Dodge County Wisconsin | 37 | $ 3,817,000 | $ 103,000 | $ 80,000 |
| Bremer County Iowa | 32 | $ 3,330,000 | $ 104,000 | $ 70,000 |
| Cass County North Dakota | 26 | $ 3,525,000 | $ 135,000 | $ 106,000 |
| Buchanan County Iowa | 25 | $ 1,542,000 | $ 61,000 | $ 82,000 |
| Wapello County Iowa | 22 | $ 2,833,000 | $ 128,000 | $ 88,000 |
| Greenville County South Carolina | 22 | $ 1,690,000 | $ 76,000 | $ 85,000 |
| Montgomery County Kansas | 20 | $ 1,820,000 | $ 91,000 | $ 75,000 |
| Mercer County Illinois | 19 | $ 2,061,000 | $ 108,000 | $ 66,000 |
| Spartanburg County South Carolina | 15 | $ 1,236,000 | $ 82,000 | $ 60,000 |
| Jasper County Iowa | 13 | $ 1,215,000 | $ 93,000 | $ 93,000 |
| Richmond County Georgia | 12 | $ 827,000 | $ 68,000 | $ 82,000 |
| Davis County Iowa | 12 | $ 1,518,000 | $ 126,000 | $ 73,000 |
| Jackson County Iowa | 12 | $ 1,558,000 | $ 129,000 | $ 79,000 |
| Butler County Iowa | 11 | $ 902,000 | $ 82,000 | $ 92,000 |
| Warren County Iowa | 11 | $ 1,627,000 | $ 147,000 | $ 90,000 |
| Lafourche County Louisiana | 11 | $ 1,157,000 | $ 105,000 | $ 76,000 |
| Greene County Missouri | 11 | $ 839,000 | $ 76,000 | $ 72,000 |
| Clinton County Iowa | 10 | $ 1,500,000 | $ 150,000 | $ 103,000 |
| Grundy County Iowa | 10 | $ 1,221,000 | $ 122,000 | $ 87,000 |
| Madison County Iowa | 10 | $ 1,238,000 | $ 123,000 | $ 98,000 |
| Forsyth County North Carolina | 10 | $ 673,000 | $ 67,000 | $ 62,000 |
| Dane County Wisconsin | 10 | $ 1,188,000 | $ 118,000 | $ 92,000 |
| Maricopa County Arizona | 9 | $ 1,380,000 | $ 153,000 | $ 102,000 |
| Cook County Illinois | 9 | $ 2,786,000 | $ 309,000 | $ 221,000 |
| Washington County Wisconsin | 9 | $ 1,783,000 | $ 198,000 | $ 138,000 |
| Larimer County Colorado | 8 | $ 1,903,000 | $ 237,000 | $ 111,000 |
| Tama County Iowa | 8 | $ 697,000 | $ 87,000 | $ 89,000 |
| Greene County Tennessee | 8 | $ 1,025,000 | $ 128,000 | $ 88,000 |
| Benton County Iowa | 7 | $ 542,000 | $ 77,000 | $ 98,000 |
| Boone County Iowa | 7 | $ 778,000 | $ 111,000 | $ 81,000 |
| Fayette County Iowa | 7 | $ 347,000 | $ 49,000 | $ 47,000 |
| Barnes County North Dakota | 7 | $ 1,225,000 | $ 175,000 | $ 92,000 |
| Collin County Texas | 7 | $ 813,000 | $ 116,000 | $ 145,000 |
| Grant County Wisconsin | 7 | $ 702,000 | $ 100,000 | $ 54,000 |
| Miami-Dade County Florida | 6 | $ 1,064,000 | $ 177,000 | $ 102,000 |
| Whiteside County Illinois | 6 | $ 472,000 | $ 78,000 | $ 61,000 |
| Story County Iowa | 6 | $ 898,000 | $ 149,000 | $ 101,000 |
| Labette County Kansas | 6 | $ 430,000 | $ 71,000 | $ 117,000 |
| Davidson County North Carolina | 6 | $ 569,000 | $ 94,000 | $ 52,000 |
| Johnston County North Carolina | 6 | $ 962,000 | $ 160,000 | $ 99,000 |
| Mecklenburg County North Carolina | 6 | $ 1,164,000 | $ 194,000 | $ 91,000 |
| Denton County Texas | 6 | $ 768,000 | $ 128,000 | $ 142,000 |
| Fond du Lac County Wisconsin | 6 | $ 824,000 | $ 137,000 | $ 121,000 |
| Jefferson County Wisconsin | 6 | $ 1,026,000 | $ 171,000 | $ 94,000 |
| DuPage County Illinois | 5 | $ 836,000 | $ 167,000 | $ 133,000 |
| Jo Daviess County Illinois | 5 | $ 546,000 | $ 109,000 | $ 139,000 |
| Knox County Illinois | 5 | $ 239,000 | $ 47,000 | $ 44,000 |
| Terrebonne County Louisiana | 5 | $ 661,000 | $ 132,000 | $ 67,000 |
| Clay County Minnesota | 5 | $ 775,000 | $ 155,000 | $ 75,000 |
| Jackson County Missouri | 5 | $ 928,000 | $ 185,000 | $ 75,000 |
| Harnett County North Carolina | 5 | $ 708,000 | $ 141,000 | $ 96,000 |
| Knox County Tennessee | 5 | $ 735,000 | $ 147,000 | $ 129,000 |
| Tarrant County Texas | 5 | $ 824,000 | $ 164,000 | $ 133,000 |
| King County Washington | 5 | $ 1,066,000 | $ 213,000 | $ 121,000 |
| San Diego County California | 4 | $ 1,162,000 | $ 290,000 | $ 116,000 |
| Douglas County Colorado | 4 | $ 1,326,000 | $ 331,000 | $ 89,000 |
| Hillsborough County Florida | 4 | $ 642,000 | $ 160,000 | $ 107,000 |
| Palm Beach County Florida | 4 | $ 838,000 | $ 209,000 | $ 91,000 |
| Fulton County Georgia | 4 | $ 679,000 | $ 169,000 | $ 104,000 |
| Bureau County Illinois | 4 | $ 243,000 | $ 60,000 | $ 70,000 |
| Kane County Illinois | 4 | $ 828,000 | $ 207,000 | $ 80,000 |
| Greene County Iowa | 4 | $ 397,000 | $ 99,000 | $ 75,000 |
| Linn County Iowa | 4 | $ 444,000 | $ 111,000 | $ 84,000 |
| Ascension County Louisiana | 4 | $ 736,000 | $ 184,000 | $ 130,000 |
| Durham County North Carolina | 4 | $ 821,000 | $ 205,000 | $ 103,000 |
| Guilford County North Carolina | 4 | $ 334,000 | $ 83,000 | $ 96,000 |
| Surry County North Carolina | 4 | $ 267,000 | $ 66,000 | $ 39,000 |
| Craighead County Arkansas | 3 | $ 386,000 | $ 128,000 | $ 215,000 |
| Brevard County Florida | 3 | $ 446,000 | $ 148,000 | $ 79,000 |
| Charlotte County Florida | 3 | $ 240,000 | $ 80,000 | $ 43,000 |
| Duval County Florida | 3 | $ 674,000 | $ 224,000 | $ 93,000 |
| Lee County Florida | 3 | $ 590,000 | $ 196,000 | $ 165,000 |
| Martin County Florida | 3 | $ 1,040,000 | $ 346,000 | $ 186,000 |
| Pinellas County Florida | 3 | $ 678,000 | $ 226,000 | $ 167,000 |
| Lowndes County Georgia | 3 | $ 403,000 | $ 134,000 | $ 54,000 |
| Will County Illinois | 3 | $ 470,000 | $ 156,000 | $ 89,000 |
| Appanoose County Iowa | 3 | $ 126,000 | $ 42,000 | $ 76,000 |
| Clayton County Iowa | 3 | $ 48,000 | $ 16,000 | $ 67,000 |
| Delaware County Iowa | 3 | $ 184,000 | $ 61,000 | $ 66,000 |
| Johnson County Iowa | 3 | $ 695,000 | $ 231,000 | $ 116,000 |
| Marshall County Iowa | 3 | $ 232,000 | $ 77,000 | $ 61,000 |
| Wright County Iowa | 3 | $ 396,000 | $ 132,000 | $ 157,000 |
| Dakota County Minnesota | 3 | $ 686,000 | $ 228,000 | $ 99,000 |
| Hennepin County Minnesota | 3 | $ 1,014,000 | $ 338,000 | $ 164,000 |
| Christian County Missouri | 3 | $ 275,000 | $ 91,000 | $ 88,000 |
| Holt County Nebraska | 3 | $ 243,000 | $ 81,000 | $ 68,000 |
| Sampson County North Carolina | 3 | $ 160,000 | $ 53,000 | $ 74,000 |
| Stokes County North Carolina | 3 | $ 16,000 | $ 5,000 | $ 47,000 |
| Franklin County Ohio | 3 | $ 527,000 | $ 175,000 | $ 92,000 |
| Washington County Oklahoma | 3 | $ 271,000 | $ 90,000 | $ 103,000 |
| Aiken County South Carolina | 3 | $ 387,000 | $ 129,000 | $ 52,000 |
| Brookings County South Dakota | 3 | $ 658,000 | $ 219,000 | $ 195,000 |
| Bexar County Texas | 3 | $ 494,000 | $ 164,000 | $ 146,000 |
| Sheboygan County Wisconsin | 3 | $ 267,000 | $ 89,000 | $ 79,000 |
| Colusa County California | 2 | $ 183,000 | $ 91,000 | $ 20,000 |
| Weld County Colorado | 2 | $ 614,000 | $ 307,000 | $ 113,000 |
| New Haven County Connecticut | 2 | $ 359,000 | $ 179,000 | $ 109,000 |
| Broward County Florida | 2 | $ 651,000 | $ 325,000 | $ 149,000 |
| Collier County Florida | 2 | $ 265,000 | $ 132,000 | $ 306,000 |
| Lake County Florida | 2 | $ 36,000 | $ 18,000 | $ 34,000 |
| Sarasota County Florida | 2 | $ 529,000 | $ 264,000 | $ 100,000 |
| Wakulla County Florida | 2 | $ 113,000 | $ 56,000 | $ 75,000 |
| Barrow County Georgia | 2 | $ 15,000 | $ 7,000 | $ 46,000 |
| Cobb County Georgia | 2 | $ 211,000 | $ 105,000 | $ 94,000 |
| Gwinnett County Georgia | 2 | $ 247,000 | $ 123,000 | $ 104,000 |
| Jeff Davis County Georgia | 2 | $ 256,000 | $ 128,000 | $ 87,000 |
| Peoria County Illinois | 2 | $ 404,000 | $ 202,000 | $ 72,000 |
| Hamilton County Indiana | 2 | $ 291,000 | $ 145,000 | $ 81,000 |
| Hendricks County Indiana | 2 | $ 504,000 | $ 252,000 | $ 112,000 |
| Marion County Indiana | 2 | $ 102,000 | $ 51,000 | $ 17,000 |
| Cedar County Iowa | 2 | $ 122,000 | $ 61,000 | $ 73,000 |
| Chickasaw County Iowa | 2 | $ 68,000 | $ 34,000 | $ 37,000 |
| Clarke County Iowa | 2 | $ 184,000 | $ 92,000 | $ 96,000 |
| Floyd County Iowa | 2 | $ 131,000 | $ 65,000 | $ 74,000 |
| Jefferson County Iowa | 2 | $ 147,000 | $ 73,000 | $ 99,000 |
| Jones County Iowa | 2 | $ 334,000 | $ 167,000 | $ 107,000 |
| Monroe County Iowa | 2 | $ 232,000 | $ 116,000 | $ 91,000 |
| Shelby County Iowa | 2 | $ 394,000 | $ 197,000 | $ 84,000 |
| Leavenworth County Kansas | 2 | $ 243,000 | $ 121,000 | $ 125,000 |
| Sedgwick County Kansas | 2 | $ 196,000 | $ 98,000 | $ 74,000 |
| Caldwell County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 142,000 |
| Calloway County Kentucky | 2 | $ 297,000 | $ 148,000 | $ 42,000 |
| Hardin County Kentucky | 2 | $ 410,000 | $ 205,000 | $ 87,000 |
| Scott County Kentucky | 2 | $ 355,000 | $ 177,000 | $ 48,000 |
| Kent County Michigan | 2 | $ 406,000 | $ 203,000 | $ 115,000 |
| Macomb County Michigan | 2 | $ 130,000 | $ 65,000 | $ 86,000 |
| Ottawa County Michigan | 2 | $ 604,000 | $ 302,000 | $ 313,000 |
| Roscommon County Michigan | 2 | $ 204,000 | $ 102,000 | $ 96,000 |
| Itasca County Minnesota | 2 | $ 267,000 | $ 133,000 | $ 58,000 |
| Kandiyohi County Minnesota | 2 | $ 272,000 | $ 136,000 | $ 69,000 |
| Pennington County Minnesota | 2 | $ 328,000 | $ 164,000 | $ 73,000 |
| Butler County Missouri | 2 | $ 64,000 | $ 32,000 | $ 45,000 |
| Webster County Missouri | 2 | $ 84,000 | $ 42,000 | $ 53,000 |
| Lancaster County Nebraska | 2 | $ 139,000 | $ 69,000 | $ 61,000 |
| Burke County North Carolina | 2 | $ 362,000 | $ 181,000 | $ 119,000 |
| Cumberland County North Carolina | 2 | $ 116,000 | $ 58,000 | $ 39,000 |
| Iredell County North Carolina | 2 | $ 382,000 | $ 191,000 | $ 110,000 |
| Montgomery County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| Pembina County North Dakota | 2 | $ 432,000 | $ 216,000 | $ 144,000 |
| Carter County Oklahoma | 2 | $ 785,000 | $ 392,000 | $ 178,000 |
| Le Flore County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 125,000 |
| Nowata County Oklahoma | 2 | $ 155,000 | $ 77,000 | $ 97,000 |
| Multnomah County Oregon | 2 | $ 7,000 | $ 3,000 | $ 50,000 |
| Providence County Rhode Island | 2 | $ 415,000 | $ 207,000 | $ 89,000 |
| Pickens County South Carolina | 2 | $ 288,000 | $ 144,000 | $ 70,000 |
| York County South Carolina | 2 | $ 207,000 | $ 103,000 | $ 85,000 |
| Cocke County Tennessee | 2 | $ 358,000 | $ 179,000 | $ 75,000 |
| Crockett County Tennessee | 2 | $ 155,000 | $ 77,000 | $ 118,000 |
| Grainger County Tennessee | 2 | $ 431,000 | $ 215,000 | $ 132,000 |
| Hamblen County Tennessee | 2 | $ 309,000 | $ 154,000 | $ 128,000 |
| Cherokee County Texas | 2 | $ 299,000 | $ 149,000 | $ 107,000 |
| Hale County Texas | 2 | $ 110,000 | $ 55,000 | $ 132,000 |
| Harris County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 361,000 |
| Henderson County Texas | 2 | $ 124,000 | $ 62,000 | $ 55,000 |
| Runnels County Texas | 2 | $ 286,000 | $ 143,000 | $ 145,000 |
| San Patricio County Texas | 2 | $ 29,000 | $ 14,000 | $ 129,000 |
| Lafayette County Wisconsin | 2 | $ 177,000 | $ 88,000 | $ 95,000 |
| Manitowoc County Wisconsin | 2 | $ 349,000 | $ 174,000 | $ 97,000 |
| Rock County Wisconsin | 2 | $ 289,000 | $ 144,000 | $ 58,000 |
| Waukesha County Wisconsin | 2 | $ 650,000 | $ 325,000 | $ 175,000 |
| Shelby County Alabama | 1 | $ 250,000 | $ 250,000 | $ 131,000 |
| Cleburne County Arkansas | 1 | $ 383,000 | $ 383,000 | $ 190,000 |
| Saline County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Orange County California | 1 | $ 384,000 | $ 384,000 | $ 87,000 |
| San Joaquin County California | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Santa Cruz County California | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Tulare County California | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Adams County Colorado | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Arapahoe County Colorado | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Broomfield County Colorado | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Denver County Colorado | 1 | $ 540,000 | $ 540,000 | $ 176,000 |
| Summit County Colorado | 1 | $ 194,000 | $ 194,000 | $ 116,000 |
| Citrus County Florida | 1 | $ 100,000 | $ 100,000 | $ 122,000 |
| Manatee County Florida | 1 | $ 290,000 | $ 290,000 | $ 72,000 |
| Orange County Florida | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Osceola County Florida | 1 | $ 214,000 | $ 214,000 | $ 87,000 |
| Polk County Florida | 1 | $ 7,000 | $ 7,000 | $ 70,000 |
| Seminole County Florida | 1 | $ 335,000 | $ 335,000 | $ 184,000 |
| Volusia County Florida | 1 | $ 118,000 | $ 118,000 | $ 109,000 |
| Walton County Florida | 1 | $ 317,000 | $ 317,000 | $ 104,000 |
| Bleckley County Georgia | 1 | $ 183,000 | $ 183,000 | $ 148,000 |
| Burke County Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Fannin County Georgia | 1 | $ 103,000 | $ 103,000 | $ 108,000 |
| Gordon County Georgia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Johnson County Georgia | 1 | $ 84,000 | $ 84,000 | $ 187,000 |
| Lincoln County Georgia | 1 | $ 425,000 | $ 425,000 | $ 291,000 |
| Newton County Georgia | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Peach County Georgia | 1 | $ 117,000 | $ 117,000 | $ 93,000 |
| Wilkes County Georgia | 1 | $ 179,000 | $ 179,000 | $ 114,000 |
| Bonneville County Idaho | 1 | $ 156,000 | $ 156,000 | $ 102,000 |
| Kootenai County Idaho | 1 | $ 211,000 | $ 211,000 | $ 110,000 |
| Champaign County Illinois | 1 | $ 252,000 | $ 252,000 | $ 114,000 |
| Hancock County Illinois | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Lake County Illinois | 1 | $ 353,000 | $ 353,000 | $ 122,000 |
| LaSalle County Illinois | 1 | $ 13,000 | $ 13,000 | $ 55,000 |
| Montgomery County Illinois | 1 | $ 5,000 | $ 5,000 | $ 82,000 |
| Morgan County Illinois | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Williamson County Illinois | 1 | $ 166,000 | $ 166,000 | $ 111,000 |
| Allen County Indiana | 1 | $ 214,000 | $ 214,000 | $ 102,000 |
| Bartholomew County Indiana | 1 | $ 260,000 | $ 260,000 | $ 215,000 |
| Clark County Indiana | 1 | $ 127,000 | $ 127,000 | $ 84,000 |
| Gibson County Indiana | 1 | $ 286,000 | $ 286,000 | $ 90,000 |
| Hancock County Indiana | 1 | $ 332,000 | $ 332,000 | $ 157,000 |
| Marshall County Indiana | 1 | $ 64,000 | $ 64,000 | $ 50,000 |
| Adair County Iowa | 1 | $ 96,000 | $ 96,000 | $ 73,000 |
| Carroll County Iowa | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Cerro Gordo County Iowa | 1 | $ 140,000 | $ 140,000 | $ 28,000 |
| Guthrie County Iowa | 1 | $ 417,000 | $ 417,000 | $ 456,000 |
| Hamilton County Iowa | 1 | $ 31,000 | $ 31,000 | $ 155,000 |
| Keokuk County Iowa | 1 | $ 3,000 | $ 3,000 | $ 55,000 |
| Mahaska County Iowa | 1 | $ 83,000 | $ 83,000 | $ 64,000 |
| Marion County Iowa | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Mitchell County Iowa | 1 | $ 292,000 | $ 292,000 | $ 154,000 |
| Van Buren County Iowa | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Worth County Iowa | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Butler County Kansas | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Miami County Kansas | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Mitchell County Kansas | 1 | $ 417,000 | $ 417,000 | $ 101,000 |
| Riley County Kansas | 1 | $ 177,000 | $ 177,000 | $ 87,000 |
| Fulton County Kentucky | 1 | $ 71,000 | $ 71,000 | $ 39,000 |
| Logan County Kentucky | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Shelby County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Assumption County Louisiana | 1 | $ 67,000 | $ 67,000 | $ 66,000 |
| St. Bernard County Louisiana | 1 | $ 121,000 | $ 121,000 | $ 69,000 |
| Plymouth County Massachusetts | 1 | $ 36,000 | $ 36,000 | $ 107,000 |
| Calhoun County Michigan | 1 | $ 143,000 | $ 143,000 | $ 115,000 |
| Midland County Michigan | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| Anoka County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 226,000 |
| Carver County Minnesota | 1 | $ 320,000 | $ 320,000 | $ 101,000 |
| Cass County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 529,000 |
| Chisago County Minnesota | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
| Douglas County Minnesota | 1 | $ 319,000 | $ 319,000 | $ 131,000 |
| Goodhue County Minnesota | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Norman County Minnesota | 1 | $ 182,000 | $ 182,000 | $ 64,000 |
| Pine County Minnesota | 1 | $ 350,000 | $ 350,000 | $ 135,000 |
| Ramsey County Minnesota | 1 | $ 208,000 | $ 208,000 | $ 54,000 |
| Scott County Minnesota | 1 | $ 368,000 | $ 368,000 | $ 85,000 |
| St. Louis County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 238,000 |
| Washington County Minnesota | 1 | $ 308,000 | $ 308,000 | $ 98,000 |
| Madison County Mississippi | 1 | $ 199,000 | $ 199,000 | $ 172,000 |
| Camden County Missouri | 1 | $ 144,000 | $ 144,000 | $ 189,000 |
| Dade County Missouri | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Franklin County Missouri | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Jasper County Missouri | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Jefferson County Missouri | 1 | $ 242,000 | $ 242,000 | $ 108,000 |
| Macon County Missouri | 1 | $ 132,000 | $ 132,000 | $ 169,000 |
| Schuyler County Missouri | 1 | $ 41,000 | $ 41,000 | $ 42,000 |
| St. Charles County Missouri | 1 | $ 140,000 | $ 140,000 | $ 80,000 |
| Hall County Nebraska | 1 | $ 192,000 | $ 192,000 | $ 88,000 |
| Keith County Nebraska | 1 | $ 216,000 | $ 216,000 | $ 150,000 |
| Rock County Nebraska | 1 | $ 128,000 | $ 128,000 | $ 94,000 |
| Scotts Bluff County Nebraska | 1 | $ 340,000 | $ 340,000 | $ 150,000 |
| Clark County Nevada | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Washoe County Nevada | 1 | $ 6,000 | $ 6,000 | $ 105,000 |
| Taos County New Mexico | 1 | $ 11,000 | $ 11,000 | $ 63,000 |
| Clinton County New York | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Alamance County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 82,000 |
| Caldwell County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 115,000 |
| Chatham County North Carolina | 1 | $ 289,000 | $ 289,000 | $ 104,000 |
| Craven County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 219,000 |
| Gaston County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 85,000 |
| New Hanover County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Onslow County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 68,000 |
| Orange County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 94,000 |
| Rockingham County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Union County North Carolina | 1 | $ 354,000 | $ 354,000 | $ 96,000 |
| Wilkes County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 98,000 |
| Ransom County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 88,000 |
| Sargent County North Dakota | 1 | $ 53,000 | $ 53,000 | $ 93,000 |
| Stutsman County North Dakota | 1 | $ 344,000 | $ 344,000 | $ 234,000 |
| Butler County Ohio | 1 | $ 8,000 | $ 8,000 | $ 250,000 |
| Clermont County Ohio | 1 | $ 382,000 | $ 382,000 | $ 115,000 |
| Cuyahoga County Ohio | 1 | $ 52,000 | $ 52,000 | $ 56,000 |
| Hancock County Ohio | 1 | $ 213,000 | $ 213,000 | $ 135,000 |
| Marion County Ohio | 1 | $ 2,000 | $ 2,000 | $ 72,000 |
| Medina County Ohio | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Summit County Ohio | 1 | $ 168,000 | $ 168,000 | $ 88,000 |
| Clackamas County Oregon | 1 | $ 320,000 | $ 320,000 | $ 138,000 |
| Dauphin County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 35,000 |
| Horry County South Carolina | 1 | $ 116,000 | $ 116,000 | $ 185,000 |
| Lexington County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| McCormick County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Richland County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 151,000 |
| Davison County South Dakota | 1 | $ 60,000 | $ 60,000 | $ 117,000 |
| Minnehaha County South Dakota | 1 | $ 300,000 | $ 300,000 | $ 129,000 |
| Anderson County Tennessee | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Blount County Tennessee | 1 | $ 28,000 | $ 28,000 | $ 53,000 |
| Clay County Tennessee | 1 | $ 6,000 | $ 6,000 | $ 71,000 |
| Cumberland County Tennessee | 1 | $ 308,000 | $ 308,000 | $ 135,000 |
| Dickson County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Henry County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Obion County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 171,000 |
| Anderson County Texas | 1 | $ 173,000 | $ 173,000 | $ 163,000 |
| Angelina County Texas | 1 | $ 50,000 | $ 50,000 | $ 132,000 |
| Brazos County Texas | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
| Dallas County Texas | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Grayson County Texas | 1 | $ 8,000 | $ 8,000 | $ 79,000 |
| Jefferson County Texas | 1 | $ 238,000 | $ 238,000 | $ 112,000 |
| Lubbock County Texas | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Swisher County Texas | 1 | $ 102,000 | $ 102,000 | $ 146,000 |
| Davis County Utah | 1 | $ 8,000 | $ 8,000 | $ 72,000 |
| Summit County Utah | 1 | $ 184,000 | $ 184,000 | $ 100,000 |
| Utah County Utah | 1 | $ 238,000 | $ 238,000 | $ 83,000 |
| Windsor County Vermont | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Albemarle County Virginia | 1 | $ 109,000 | $ 109,000 | $ 78,000 |
| Amelia County Virginia | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| King George County Virginia | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Benton County Washington | 1 | $ 184,000 | $ 184,000 | $ 89,000 |
| Clark County Washington | 1 | $ 301,000 | $ 301,000 | $ 112,000 |
| Franklin County Washington | 1 | $ 153,000 | $ 153,000 | $ 73,000 |
| Calumet County Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 51,000 |
| Door County Wisconsin | 1 | $ 203,000 | $ 203,000 | $ 99,000 |
| Green Lake County Wisconsin | 1 | $ 134,000 | $ 134,000 | $ 109,000 |
| Iowa County Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Outagamie County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 75,000 |
| Portage County Wisconsin | 1 | $ 228,000 | $ 228,000 | $ 97,000 |
| Richland County Wisconsin | 1 | $ 6,000 | $ 6,000 | $ 113,000 |
| Sauk County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 215,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2016
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 | 1,023 | $183,275,000 | $179,000 | $1,000,000 | $103,000 | $678,000 |
| Refinancing | 788 | $120,442,000 | $152,000 | $620,000 | $98,000 | $456,000 |
| Home Improvement | 376 | $5,010,000 | $13,000 | $312,000 | $85,000 | $269,000 |
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 | 1,051 | $194,122,000 | $184,000 | $1,000,000 | $105,000 | $544,000 |
| Not Provided | 1,040 | $96,487,000 | $92,000 | $982,000 | $91,000 | $678,000 |
| Hispanic | 36 | $6,660,000 | $185,000 | $320,000 | $102,000 | $315,000 |
| Black or African American | 31 | $5,023,000 | $162,000 | $320,000 | $90,000 | $220,000 |
| Asian | 27 | $6,242,000 | $231,000 | $400,000 | $109,000 | $236,000 |
| American Indian or Alaskan Native | 2 | $193,000 | $96,000 | $118,000 | $95,000 | $109,000 |
| Native Hawaiin 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) | 2,187 | $308,727,000 | $141,000 | $1,000,000 | $98,000 | $678,000 |
| 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 | 1,399 | $184,555,000 | $131,000 | $1,000,000 | $102,000 | $678,000 |
| Application Denied By Financial Institution | 266 | $31,723,000 | $119,000 | $417,000 | $75,000 | $456,000 |
| Application Withdrawn By Applicant | 259 | $43,212,000 | $166,000 | $586,000 | $90,000 | $422,000 |
| File Closed For Incompleteness | 259 | $48,766,000 | $188,000 | $620,000 | $108,000 | $360,000 |
| Application Approved But Not Accepted | 4 | $471,000 | $117,000 | $144,000 | $110,000 | $215,000 |
| 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 | $7,726,000 | $77,000 | $330,000 | $56,000 | $162,000 |
| Credit Application Incomplete | 53 | $8,718,000 | $164,000 | $417,000 | $90,000 | $300,000 |
| Debt-To-Income Ratio | 52 | $6,829,000 | $131,000 | $391,000 | $70,000 | $181,000 |
| Collateral | 33 | $5,082,000 | $154,000 | $417,000 | $113,000 | $456,000 |
| Other | 18 | $2,126,000 | $118,000 | $300,000 | $83,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,003,000 | $143,000 | $218,000 | $55,000 | $113,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $125,000 | $125,000 |
| Mortgage Insurance Denied | 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 2016 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.