Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Empeople Credit Union 2018 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 | 2,768 |
| Total Mortgage Loan Application Amount | $385,520,000 |
| Average Mortgage Loan Application Amount | $101,833 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $106,333 |
| Highest Applicant Income | $1,652,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 383 | $ 62,975,000 | $ 164,000 | $ 120,000 |
| Rock Island County Illinois | 285 | $ 27,445,000 | $ 96,000 | $ 90,000 |
| Polk County Iowa | 255 | $ 36,485,000 | $ 143,000 | $ 109,000 |
| Black Hawk County Iowa | 155 | $ 19,265,000 | $ 124,000 | $ 108,000 |
| Henry County Illinois | 104 | $ 11,530,000 | $ 110,000 | $ 92,000 |
| Dubuque County Iowa | 95 | $ 14,845,000 | $ 156,000 | $ 103,000 |
| Johnson County Kansas | 61 | $ 14,735,000 | $ 241,000 | $ 145,000 |
| Columbia County Georgia | 55 | $ 8,245,000 | $ 149,000 | $ 105,000 |
| Dallas County Iowa | 50 | $ 7,860,000 | $ 157,000 | $ 135,000 |
| Dodge County Wisconsin | 48 | $ 5,340,000 | $ 111,000 | $ 94,000 |
| Cass County North Dakota | 46 | $ 8,010,000 | $ 174,000 | $ 123,000 |
| Wake County North Carolina | 45 | $ 8,615,000 | $ 191,000 | $ 120,000 |
| Wapello County Iowa | 38 | $ 4,070,000 | $ 107,000 | $ 84,000 |
| Bremer County Iowa | 31 | $ 2,605,000 | $ 84,000 | $ 75,000 |
| Buchanan County Iowa | 25 | $ 2,535,000 | $ 101,000 | $ 83,000 |
| Mercer County Illinois | 19 | $ 1,235,000 | $ 65,000 | $ 79,000 |
| Greene County Missouri | 19 | $ 2,025,000 | $ 106,000 | $ 119,000 |
| Butler County Iowa | 17 | $ 2,185,000 | $ 128,000 | $ 95,000 |
| Montgomery County Kansas | 17 | $ 2,645,000 | $ 155,000 | $ 80,000 |
| Grant County Wisconsin | 17 | $ 2,395,000 | $ 140,000 | $ 120,000 |
| Wright County Iowa | 16 | $ 1,040,000 | $ 65,000 | $ 57,000 |
| Warren County Iowa | 15 | $ 1,705,000 | $ 113,000 | $ 84,000 |
| Greenville County South Carolina | 15 | $ 1,425,000 | $ 95,000 | $ 92,000 |
| Washington County Wisconsin | 15 | $ 2,075,000 | $ 138,000 | $ 100,000 |
| Tama County Iowa | 14 | $ 1,010,000 | $ 72,000 | $ 74,000 |
| Whiteside County Illinois | 13 | $ 825,000 | $ 63,000 | $ 71,000 |
| Jackson County Iowa | 13 | $ 1,485,000 | $ 114,000 | $ 102,000 |
| Forsyth County North Carolina | 13 | $ 1,435,000 | $ 110,000 | $ 102,000 |
| Cook County Illinois | 12 | $ 1,980,000 | $ 165,000 | $ 118,000 |
| Davis County Iowa | 12 | $ 1,460,000 | $ 121,000 | $ 91,000 |
| Fayette County Iowa | 12 | $ 1,250,000 | $ 104,000 | $ 64,000 |
| Johnston County North Carolina | 12 | $ 1,710,000 | $ 142,000 | $ 111,000 |
| Monroe County Iowa | 11 | $ 1,185,000 | $ 107,000 | $ 84,000 |
| Barnes County North Dakota | 11 | $ 1,615,000 | $ 146,000 | $ 110,000 |
| Orange County Florida | 10 | $ 1,570,000 | $ 157,000 | $ 110,000 |
| Jo Daviess County Illinois | 10 | $ 1,460,000 | $ 146,000 | $ 113,000 |
| Clay County Minnesota | 10 | $ 1,210,000 | $ 121,000 | $ 63,000 |
| Fond du Lac County Wisconsin | 10 | $ 1,310,000 | $ 131,000 | $ 109,000 |
| Jefferson County Iowa | 9 | $ 975,000 | $ 108,000 | $ 87,000 |
| Lafourche County Louisiana | 9 | $ 875,000 | $ 97,000 | $ 61,000 |
| Maricopa County Arizona | 8 | $ 1,610,000 | $ 201,000 | $ 258,000 |
| Broward County Florida | 8 | $ 1,790,000 | $ 223,000 | $ 121,000 |
| Lee County Florida | 8 | $ 930,000 | $ 116,000 | $ 132,000 |
| Knox County Illinois | 8 | $ 460,000 | $ 57,000 | $ 89,000 |
| Boone County Iowa | 8 | $ 830,000 | $ 103,000 | $ 90,000 |
| Clinton County Iowa | 8 | $ 670,000 | $ 83,000 | $ 123,000 |
| Grundy County Iowa | 8 | $ 520,000 | $ 65,000 | $ 116,000 |
| Story County Iowa | 8 | $ 1,080,000 | $ 135,000 | $ 93,000 |
| Dane County Wisconsin | 8 | $ 1,920,000 | $ 240,000 | $ 110,000 |
| Collier County Florida | 7 | $ 2,105,000 | $ 300,000 | $ 137,000 |
| Champaign County Illinois | 7 | $ 1,555,000 | $ 222,000 | $ 131,000 |
| Collin County Texas | 7 | $ 1,145,000 | $ 163,000 | $ 149,000 |
| Harris County Texas | 7 | $ 3,865,000 | $ 552,000 | $ 596,000 |
| Craighead County Arkansas | 6 | $ 630,000 | $ 105,000 | $ 103,000 |
| San Joaquin County California | 6 | $ 690,000 | $ 115,000 | $ 172,000 |
| Fulton County Georgia | 6 | $ 410,000 | $ 68,000 | $ 146,000 |
| Linn County Iowa | 6 | $ 980,000 | $ 163,000 | $ 91,000 |
| Wyandotte County Kansas | 6 | $ 810,000 | $ 135,000 | $ 78,000 |
| Ramsey County Minnesota | 6 | $ 1,100,000 | $ 183,000 | $ 122,000 |
| Clark County Nevada | 6 | $ 1,430,000 | $ 238,000 | $ 166,000 |
| Harnett County North Carolina | 6 | $ 710,000 | $ 118,000 | $ 113,000 |
| Greene County Tennessee | 6 | $ 560,000 | $ 93,000 | $ 265,000 |
| Los Angeles County California | 5 | $ 2,315,000 | $ 463,000 | $ 228,000 |
| Riverside County California | 5 | $ 1,145,000 | $ 229,000 | $ 112,000 |
| Denver County Colorado | 5 | $ 295,000 | $ 59,000 | $ 115,000 |
| Charlotte County Florida | 5 | $ 745,000 | $ 149,000 | $ 73,000 |
| Hillsborough County Florida | 5 | $ 935,000 | $ 187,000 | $ 158,000 |
| Richmond County Georgia | 5 | $ 585,000 | $ 117,000 | $ 54,000 |
| Benton County Iowa | 5 | $ 935,000 | $ 187,000 | $ 120,000 |
| Clayton County Iowa | 5 | $ 295,000 | $ 59,000 | $ 58,000 |
| Greene County Iowa | 5 | $ 355,000 | $ 71,000 | $ 78,000 |
| Madison County Iowa | 5 | $ 565,000 | $ 113,000 | $ 113,000 |
| Marion County Iowa | 5 | $ 275,000 | $ 55,000 | $ 106,000 |
| Miami County Kansas | 5 | $ 635,000 | $ 127,000 | $ 104,000 |
| Lubbock County Texas | 5 | $ 845,000 | $ 169,000 | $ 174,000 |
| Tarrant County Texas | 5 | $ 1,385,000 | $ 277,000 | $ 139,000 |
| Waukesha County Wisconsin | 5 | $ 965,000 | $ 193,000 | $ 89,000 |
| Palm Beach County Florida | 4 | $ 520,000 | $ 130,000 | $ 266,000 |
| Sarasota County Florida | 4 | $ 620,000 | $ 155,000 | $ 136,000 |
| Forsyth County Georgia | 4 | $ 1,100,000 | $ 275,000 | $ 151,000 |
| McDuffie County Georgia | 4 | $ 310,000 | $ 77,000 | $ 94,000 |
| McHenry County Illinois | 4 | $ 140,000 | $ 35,000 | $ 88,000 |
| Chickasaw County Iowa | 4 | $ 250,000 | $ 62,000 | $ 57,000 |
| Jasper County Iowa | 4 | $ 170,000 | $ 42,000 | $ 77,000 |
| Johnson County Iowa | 4 | $ 710,000 | $ 177,000 | $ 159,000 |
| Webster County Iowa | 4 | $ 570,000 | $ 142,000 | $ 94,000 |
| Jefferson County Kentucky | 4 | $ 760,000 | $ 190,000 | $ 88,000 |
| Jackson County Missouri | 4 | $ 480,000 | $ 120,000 | $ 62,000 |
| St. Louis County Missouri | 4 | $ 190,000 | $ 47,000 | $ 80,000 |
| Lancaster County Nebraska | 4 | $ 780,000 | $ 195,000 | $ 57,000 |
| Lincoln County Nebraska | 4 | $ 710,000 | $ 177,000 | $ 96,000 |
| Wood County Ohio | 4 | $ 470,000 | $ 117,000 | $ 101,000 |
| Lackawanna County Pennsylvania | 4 | $ 290,000 | $ 72,000 | $ 94,000 |
| York County South Carolina | 4 | $ 960,000 | $ 240,000 | $ 160,000 |
| Columbia County Wisconsin | 4 | $ 210,000 | $ 52,000 | $ 104,000 |
| Kings County California | 3 | $ 535,000 | $ 178,000 | $ 102,000 |
| Tulare County California | 3 | $ 435,000 | $ 145,000 | $ 91,000 |
| Douglas County Colorado | 3 | $ 455,000 | $ 151,000 | $ 81,000 |
| Grand County Colorado | 3 | $ 915,000 | $ 305,000 | $ 205,000 |
| Levy County Florida | 3 | $ 325,000 | $ 108,000 | $ 106,000 |
| Miami-Dade County Florida | 3 | $ 725,000 | $ 241,000 | $ 110,000 |
| Clayton County Georgia | 3 | $ 125,000 | $ 41,000 | $ 123,000 |
| Lowndes County Georgia | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| Christian County Illinois | 3 | $ 125,000 | $ 41,000 | $ 70,000 |
| McLean County Illinois | 3 | $ 435,000 | $ 145,000 | $ 80,000 |
| Peoria County Illinois | 3 | $ 315,000 | $ 105,000 | $ 102,000 |
| Pike County Indiana | 3 | $ 225,000 | $ 75,000 | $ 74,000 |
| Adair County Iowa | 3 | $ 465,000 | $ 155,000 | $ 73,000 |
| Delaware County Iowa | 3 | $ 295,000 | $ 98,000 | $ 242,000 |
| Mahaska County Iowa | 3 | $ 65,000 | $ 21,000 | $ 78,000 |
| Poweshiek County Iowa | 3 | $ 355,000 | $ 118,000 | $ 68,000 |
| Ringgold County Iowa | 3 | $ 455,000 | $ 151,000 | $ 109,000 |
| Calloway County Kentucky | 3 | $ 495,000 | $ 165,000 | $ 41,000 |
| Graves County Kentucky | 3 | $ 135,000 | $ 45,000 | $ 47,000 |
| Montgomery County Maryland | 3 | $ 935,000 | $ 311,000 | $ 282,000 |
| Anoka County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 112,000 |
| Carver County Minnesota | 3 | $ 955,000 | $ 318,000 | $ 139,000 |
| Goodhue County Minnesota | 3 | $ 335,000 | $ 111,000 | $ 88,000 |
| Houston County Minnesota | 3 | $ 405,000 | $ 135,000 | $ 99,000 |
| Otter Tail County Minnesota | 3 | $ 365,000 | $ 121,000 | $ 119,000 |
| DeSoto County Mississippi | 3 | $ 255,000 | $ 85,000 | $ 100,000 |
| Madison County Mississippi | 3 | $ 845,000 | $ 281,000 | $ 85,000 |
| Douglas County Nebraska | 3 | $ 425,000 | $ 141,000 | $ 84,000 |
| Burlington County New Jersey | 3 | $ 795,000 | $ 265,000 | $ 131,000 |
| Cabarrus County North Carolina | 3 | $ 325,000 | $ 108,000 | $ 123,000 |
| Davidson County North Carolina | 3 | $ 55,000 | $ 18,000 | $ 52,000 |
| Gaston County North Carolina | 3 | $ 165,000 | $ 55,000 | $ 63,000 |
| Henderson County North Carolina | 3 | $ 1,525,000 | $ 508,000 | $ 119,000 |
| Stokes County North Carolina | 3 | $ 175,000 | $ 58,000 | $ 56,000 |
| Stutsman County North Dakota | 3 | $ 385,000 | $ 128,000 | $ 74,000 |
| Franklin County Ohio | 3 | $ 755,000 | $ 251,000 | $ 119,000 |
| Cumberland County Pennsylvania | 3 | $ 595,000 | $ 198,000 | $ 124,000 |
| Montgomery County Pennsylvania | 3 | $ 415,000 | $ 138,000 | $ 115,000 |
| Philadelphia County Pennsylvania | 3 | $ 505,000 | $ 168,000 | $ 177,000 |
| Aiken County South Carolina | 3 | $ 185,000 | $ 61,000 | $ 49,000 |
| Spartanburg County South Carolina | 3 | $ 105,000 | $ 35,000 | $ 83,000 |
| Weakley County Tennessee | 3 | $ 815,000 | $ 271,000 | $ 345,000 |
| Smith County Texas | 3 | $ 455,000 | $ 151,000 | $ 98,000 |
| Prince William County Virginia | 3 | $ 165,000 | $ 55,000 | $ 121,000 |
| Benton County Washington | 3 | $ 605,000 | $ 201,000 | $ 109,000 |
| Burnett County Wisconsin | 3 | $ 465,000 | $ 155,000 | $ 172,000 |
| Lafayette County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 140,000 |
| Coffee County Alabama | 2 | $ 150,000 | $ 75,000 | $ 37,000 |
| Pinal County Arizona | 2 | $ 400,000 | $ 200,000 | $ 70,000 |
| Washington County Arkansas | 2 | $ 50,000 | $ 25,000 | $ 49,000 |
| Orange County California | 2 | $ 590,000 | $ 295,000 | $ 179,000 |
| Jefferson County Colorado | 2 | $ 300,000 | $ 150,000 | $ 80,000 |
| Pueblo County Colorado | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Weld County Colorado | 2 | $ 530,000 | $ 265,000 | $ 74,000 |
| Alachua County Florida | 2 | $ 220,000 | $ 110,000 | $ 152,000 |
| Manatee County Florida | 2 | $ 120,000 | $ 60,000 | $ 113,000 |
| Okeechobee County Florida | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Pasco County Florida | 2 | $ 50,000 | $ 25,000 | $ 63,000 |
| Pinellas County Florida | 2 | $ 870,000 | $ 435,000 | $ 185,000 |
| St. Johns County Florida | 2 | $ 530,000 | $ 265,000 | $ 136,000 |
| Carroll County Georgia | 2 | $ 90,000 | $ 45,000 | $ 56,000 |
| Ada County Idaho | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| DeKalb County Illinois | 2 | $ 300,000 | $ 150,000 | $ 83,000 |
| DuPage County Illinois | 2 | $ 340,000 | $ 170,000 | $ 159,000 |
| Kane County Illinois | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| LaSalle County Illinois | 2 | $ 140,000 | $ 70,000 | $ 373,000 |
| Warren County Illinois | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Winnebago County Illinois | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| DeKalb County Indiana | 2 | $ 320,000 | $ 160,000 | $ 87,000 |
| Marion County Indiana | 2 | $ 180,000 | $ 90,000 | $ 75,000 |
| Allamakee County Iowa | 2 | $ 150,000 | $ 75,000 | $ 61,000 |
| Appanoose County Iowa | 2 | $ 70,000 | $ 35,000 | $ 102,000 |
| Clarke County Iowa | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Des Moines County Iowa | 2 | $ 130,000 | $ 65,000 | $ 90,000 |
| Hancock County Iowa | 2 | $ 90,000 | $ 45,000 | $ 65,000 |
| Louisa County Iowa | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Muscatine County Iowa | 2 | $ 210,000 | $ 105,000 | $ 99,000 |
| Leavenworth County Kansas | 2 | $ 290,000 | $ 145,000 | $ 141,000 |
| Sedgwick County Kansas | 2 | $ 350,000 | $ 175,000 | $ 87,000 |
| Kennebec County Maine | 2 | $ 500,000 | $ 250,000 | $ 49,000 |
| Livingston County Michigan | 2 | $ 430,000 | $ 215,000 | $ 84,000 |
| Monroe County Michigan | 2 | $ 210,000 | $ 105,000 | $ 95,000 |
| Oakland County Michigan | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| Saginaw County Michigan | 2 | $ 260,000 | $ 130,000 | $ 108,000 |
| Washtenaw County Michigan | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Hennepin County Minnesota | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Itasca County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 97,000 |
| Kandiyohi County Minnesota | 2 | $ 30,000 | $ 15,000 | $ 80,000 |
| Mower County Minnesota | 2 | $ 90,000 | $ 45,000 | $ 123,000 |
| Murray County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 103,000 |
| Nicollet County Minnesota | 2 | $ 200,000 | $ 100,000 | $ 80,000 |
| Todd County Minnesota | 2 | $ 540,000 | $ 270,000 | $ 72,000 |
| Wright County Minnesota | 2 | $ 110,000 | $ 55,000 | $ 203,000 |
| Camden County Missouri | 2 | $ 220,000 | $ 110,000 | $ 120,000 |
| Clay County Missouri | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Jasper County Missouri | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Morgan County Missouri | 2 | $ 340,000 | $ 170,000 | $ 167,000 |
| Schuyler County Missouri | 2 | $ 110,000 | $ 55,000 | $ 22,000 |
| Flathead County Montana | 2 | $ 90,000 | $ 45,000 | $ 76,000 |
| Buffalo County Nebraska | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Lyon County Nevada | 2 | $ 430,000 | $ 215,000 | $ 172,000 |
| Merrimack County New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 120,000 |
| Durham County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 196,000 |
| Macon County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Mecklenburg County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 82,000 |
| Union County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 109,000 |
| Grand Forks County North Dakota | 2 | $ 240,000 | $ 120,000 | $ 177,000 |
| Geauga County Ohio | 2 | $ 510,000 | $ 255,000 | $ 133,000 |
| Highland County Ohio | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Knox County Ohio | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Montgomery County Ohio | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Wyandot County Ohio | 2 | $ 220,000 | $ 110,000 | $ 125,000 |
| Nowata County Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 59,000 |
| Hood River County Oregon | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Lancaster County Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 157,000 |
| Campbell County Tennessee | 2 | $ 550,000 | $ 275,000 | $ 185,000 |
| Cumberland County Tennessee | 2 | $ 710,000 | $ 355,000 | $ 149,000 |
| Gibson County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Hamblen County Tennessee | 2 | $ 30,000 | $ 15,000 | $ 73,000 |
| Monroe County Tennessee | 2 | $ 1,160,000 | $ 580,000 | $ 402,000 |
| Washington County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 74,000 |
| Williamson County Tennessee | 2 | $ 320,000 | $ 160,000 | $ 350,000 |
| Dallas County Texas | 2 | $ 290,000 | $ 145,000 | $ 199,000 |
| Denton County Texas | 2 | $ 80,000 | $ 40,000 | $ 173,000 |
| Montgomery County Texas | 2 | $ 430,000 | $ 215,000 | $ 136,000 |
| Williamson County Texas | 2 | $ 520,000 | $ 260,000 | $ 191,000 |
| Salt Lake County Utah | 2 | $ 360,000 | $ 180,000 | $ 100,000 |
| Albemarle County Virginia | 2 | $ 110,000 | $ 55,000 | $ 115,000 |
| Essex County Virginia | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Clark County Washington | 2 | $ 230,000 | $ 115,000 | $ 130,000 |
| Kitsap County Washington | 2 | $ 660,000 | $ 330,000 | $ 151,000 |
| Ashland County Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Forest County Wisconsin | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| Jefferson County Wisconsin | 2 | $ 260,000 | $ 130,000 | $ 104,000 |
| Polk County Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 80,000 |
| Sauk County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Lee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Talladega County Alabama | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Mohave County Arizona | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Colusa County California | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| San Diego County California | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Broomfield County Colorado | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Duval County Florida | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| Escambia County Florida | 1 | $ 415,000 | $ 415,000 | $ 132,000 |
| Marion County Florida | 1 | $ 305,000 | $ 305,000 | $ 202,000 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Polk County Florida | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Seminole County Florida | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Burke County Georgia | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Cobb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Douglas County Georgia | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Lee County Georgia | 1 | $ 125,000 | $ 125,000 | $ 119,000 |
| Wilkes County Georgia | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Douglas County Illinois | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Fulton County Illinois | 1 | $ 45,000 | $ 45,000 | $ 143,000 |
| Lake County Illinois | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Macoupin County Illinois | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Piatt County Illinois | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Vermilion County Illinois | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Elkhart County Indiana | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Hendricks County Indiana | 1 | $ 45,000 | $ 45,000 | $ 164,000 |
| Porter County Indiana | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Audubon County Iowa | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Dickinson County Iowa | 1 | $ 625,000 | $ 625,000 | $ 198,000 |
| Hardin County Iowa | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Lee County Iowa | 1 | $ 15,000 | $ 15,000 | $ 142,000 |
| Jefferson County Kansas | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Boone County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Breckinridge County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Carlisle County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Logan County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Warren County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Ascension County Louisiana | 1 | $ 385,000 | $ 385,000 | $ 161,000 |
| St. James County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| St. Tammany County Louisiana | 1 | $ 335,000 | $ 335,000 | $ 220,000 |
| Terrebonne County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cumberland County Maine | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Oxford County Maine | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Berrien County Michigan | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Delta County Michigan | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Hillsdale County Michigan | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Leelanau County Michigan | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Macomb County Michigan | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Wayne County Michigan | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Becker County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Dakota County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Lake County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 93,000 |
| Norman County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Scott County Minnesota | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Stearns County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Waseca County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Wilkin County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Bollinger County Missouri | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Christian County Missouri | 1 | $ 475,000 | $ 475,000 | $ 147,000 |
| Clinton County Missouri | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Cooper County Missouri | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Platte County Missouri | 1 | $ 35,000 | $ 35,000 | $ 450,000 |
| St. Charles County Missouri | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Webster County Missouri | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Yellowstone County Montana | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Colfax County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hall County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Rock County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Sarpy County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Washoe County Nevada | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Camden County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Mercer County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 119,000 |
| Ocean County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Sandoval County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Onondaga County New York | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| Saratoga County New York | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Alamance County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Brunswick County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 199,000 |
| Chatham County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
| Franklin County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Granville County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Guilford County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 201,000 |
| Halifax County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Iredell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Lee County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Rockingham County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Rutherford County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Griggs County North Dakota | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| LaMoure County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Pembina County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 334,000 |
| Richland County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| Butler County Ohio | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Delaware County Ohio | 1 | $ 395,000 | $ 395,000 | $ 175,000 |
| Mayes County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Tulsa County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Woodward County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Multnomah County Oregon | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Blair County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Anderson County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Edgefield County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| McCormick County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Newberry County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Richland County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Union County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Lincoln County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Yankton County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Crockett County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Hardin County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 162,000 |
| Haywood County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Jefferson County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Lauderdale County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Obion County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Comal County Texas | 1 | $ 25,000 | $ 25,000 | $ 163,000 |
| El Paso County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Galveston County Texas | 1 | $ 45,000 | $ 45,000 | $ 197,000 |
| Gregg County Texas | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Hale County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kaufman County Texas | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| McLennan County Texas | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Waller County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Utah County Utah | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Windsor County Vermont | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Henrico County Virginia | 1 | $ 455,000 | $ 455,000 | $ 191,000 |
| King William County Virginia | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Loudoun County Virginia | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Louisa County Virginia | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Middlesex County Virginia | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Norfolk County Virginia | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Calumet County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Chippewa County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Green County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Iowa County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Jackson County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Manitowoc County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Monroe County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Oconto County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Portage County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Vernon County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Vilas County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 243,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2018
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 | 1,377 | $261,355,000 | $189,000 | $1,305,000 | $113,000 | $1,652,000 |
| Other Purpose | 503 | $50,515,000 | $100,000 | $645,000 | $107,000 | $538,000 |
| Refinancing | 305 | $26,085,000 | $85,000 | $565,000 | $100,000 | $367,000 |
| Cash-out Refinancing | 207 | $30,675,000 | $148,000 | $495,000 | $96,000 | $483,000 |
| Not Applicable | 206 | $8,830,000 | $42,000 | $385,000 | $117,000 | $1,140,000 |
| Home Improvement | 170 | $8,060,000 | $47,000 | $395,000 | $105,000 | $610,000 |
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 | 1,491 | $249,125,000 | $167,000 | $1,055,000 | $109,000 | $818,000 |
| Not Provided | 1,073 | $99,265,000 | $92,000 | $1,245,000 | $108,000 | $1,421,000 |
| Hispanic | 73 | $11,245,000 | $154,000 | $515,000 | $97,000 | $242,000 |
| Black or African American | 65 | $12,355,000 | $190,000 | $1,305,000 | $126,000 | $1,652,000 |
| Asian | 48 | $10,560,000 | $220,000 | $525,000 | $122,000 | $354,000 |
| American Indian or Alaskan Native | 9 | $1,065,000 | $118,000 | $165,000 | $89,000 | $132,000 |
| 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) | 2,768 | $385,520,000 | $139,000 | $1,305,000 | $109,000 | $1,652,000 |
| 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 | 1,762 | $231,930,000 | $131,000 | $1,305,000 | $111,000 | $1,652,000 |
| Application Withdrawn By Applicant | 448 | $74,970,000 | $167,000 | $525,000 | $110,000 | $1,140,000 |
| Application Denied By Financial Institution | 332 | $39,680,000 | $119,000 | $1,245,000 | $92,000 | $1,018,000 |
| File Closed For Incompleteness | 206 | $36,940,000 | $179,000 | $565,000 | $116,000 | $502,000 |
| Application Approved But Not Accepted | 20 | $2,000,000 | $100,000 | $415,000 | $93,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,436 | $345,840,000 | $141,000 | $1,305,000 | $111,000 | $1,652,000 |
| Credit History | 140 | $13,020,000 | $93,000 | $1,245,000 | $91,000 | $1,018,000 |
| Debt-To-Income Ratio | 75 | $9,265,000 | $123,000 | $415,000 | $59,000 | $146,000 |
| Other | 49 | $8,565,000 | $174,000 | $525,000 | $140,000 | $596,000 |
| Collateral | 38 | $4,480,000 | $117,000 | $415,000 | $88,000 | $172,000 |
| Credit Application Incomplete | 11 | $1,565,000 | $142,000 | $315,000 | $151,000 | $401,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,455,000 | $132,000 | $215,000 | $69,000 | $156,000 |
| Unverifiable Information | 6 | $840,000 | $140,000 | $365,000 | $89,000 | $171,000 |
| Employment History | 2 | $490,000 | $245,000 | $395,000 | $104,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2018 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.