Empeople Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Empeople Credit Union of Moline, IL reported 2,768 mortgage applications totaling $385.5 million, up 15% from 2017. The average application was for $139,277, and applicants reported an average income of $109,012. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (791), Des Moines-West Des Moines, IA (325) and Waterloo-Cedar Falls, IA (194) (applications in parentheses).
| Mortgage Company & Address | Empeople Credit Union 3950 38th Avenue Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $139,277 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $109,012 |
| Highest Applicant Income | $1,652,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Scott, Iowa | 383 | $ 62,975,000 | $ 164,425 | $ 120,000 |
| Rock Island, Illinois | 285 | $ 27,445,000 | $ 96,298 | $ 90,000 |
| Polk, Iowa | 255 | $ 36,485,000 | $ 143,078 | $ 109,000 |
| Black Hawk, Iowa | 155 | $ 19,265,000 | $ 124,290 | $ 108,000 |
| Henry, Illinois | 104 | $ 11,530,000 | $ 110,865 | $ 92,000 |
| Dubuque, Iowa | 95 | $ 14,845,000 | $ 156,263 | $ 103,000 |
| Johnson, Kansas | 61 | $ 14,735,000 | $ 241,557 | $ 145,000 |
| Columbia, Georgia | 55 | $ 8,245,000 | $ 149,909 | $ 105,000 |
| Dallas, Iowa | 50 | $ 7,860,000 | $ 157,200 | $ 135,000 |
| Dodge, Wisconsin | 48 | $ 5,340,000 | $ 111,250 | $ 94,000 |
| Cass, North Dakota | 46 | $ 8,010,000 | $ 174,130 | $ 123,000 |
| Wake, North Carolina | 45 | $ 8,615,000 | $ 191,444 | $ 120,000 |
| Wapello, Iowa | 38 | $ 4,070,000 | $ 107,105 | $ 84,000 |
| Bremer, Iowa | 31 | $ 2,605,000 | $ 84,032 | $ 75,000 |
| Buchanan, Iowa | 25 | $ 2,535,000 | $ 101,400 | $ 83,000 |
| Mercer, Illinois | 19 | $ 1,235,000 | $ 65,000 | $ 79,000 |
| Greene, Missouri | 19 | $ 2,025,000 | $ 106,578 | $ 119,000 |
| Butler, Iowa | 17 | $ 2,185,000 | $ 128,529 | $ 95,000 |
| Montgomery, Kansas | 17 | $ 2,645,000 | $ 155,588 | $ 80,000 |
| Grant, Wisconsin | 17 | $ 2,395,000 | $ 140,882 | $ 120,000 |
| Wright, Iowa | 16 | $ 1,040,000 | $ 65,000 | $ 57,000 |
| Warren, Iowa | 15 | $ 1,705,000 | $ 113,666 | $ 84,000 |
| Greenville, South Carolina | 15 | $ 1,425,000 | $ 95,000 | $ 92,000 |
| Washington, Wisconsin | 15 | $ 2,075,000 | $ 138,333 | $ 100,000 |
| Tama, Iowa | 14 | $ 1,010,000 | $ 72,142 | $ 74,000 |
| Whiteside, Illinois | 13 | $ 825,000 | $ 63,461 | $ 71,000 |
| Jackson, Iowa | 13 | $ 1,485,000 | $ 114,230 | $ 102,000 |
| Forsyth, North Carolina | 13 | $ 1,435,000 | $ 110,384 | $ 102,000 |
| Cook, Illinois | 12 | $ 1,980,000 | $ 165,000 | $ 118,000 |
| Davis, Iowa | 12 | $ 1,460,000 | $ 121,666 | $ 91,000 |
| Fayette, Iowa | 12 | $ 1,250,000 | $ 104,166 | $ 64,000 |
| Johnston, North Carolina | 12 | $ 1,710,000 | $ 142,500 | $ 111,000 |
| Monroe, Iowa | 11 | $ 1,185,000 | $ 107,727 | $ 84,000 |
| Barnes, North Dakota | 11 | $ 1,615,000 | $ 146,818 | $ 110,000 |
| Orange, Florida | 10 | $ 1,570,000 | $ 157,000 | $ 110,000 |
| Jo Daviess, Illinois | 10 | $ 1,460,000 | $ 146,000 | $ 113,000 |
| Clay, Minnesota | 10 | $ 1,210,000 | $ 121,000 | $ 63,000 |
| Fond du Lac, Wisconsin | 10 | $ 1,310,000 | $ 131,000 | $ 109,000 |
| Jefferson, Iowa | 9 | $ 975,000 | $ 108,333 | $ 87,000 |
| Lafourche, Louisiana | 9 | $ 875,000 | $ 97,222 | $ 61,000 |
| Maricopa, Arizona | 8 | $ 1,610,000 | $ 201,250 | $ 258,000 |
| Broward, Florida | 8 | $ 1,790,000 | $ 223,750 | $ 121,000 |
| Lee, Florida | 8 | $ 930,000 | $ 116,250 | $ 132,000 |
| Knox, Illinois | 8 | $ 460,000 | $ 57,500 | $ 89,000 |
| Boone, Iowa | 8 | $ 830,000 | $ 103,750 | $ 90,000 |
| Clinton, Iowa | 8 | $ 670,000 | $ 83,750 | $ 123,000 |
| Grundy, Iowa | 8 | $ 520,000 | $ 65,000 | $ 116,000 |
| Story, Iowa | 8 | $ 1,080,000 | $ 135,000 | $ 93,000 |
| Dane, Wisconsin | 8 | $ 1,920,000 | $ 240,000 | $ 110,000 |
| Collier, Florida | 7 | $ 2,105,000 | $ 300,714 | $ 137,000 |
| Champaign, Illinois | 7 | $ 1,555,000 | $ 222,142 | $ 131,000 |
| Collin, Texas | 7 | $ 1,145,000 | $ 163,571 | $ 149,000 |
| Harris, Texas | 7 | $ 3,865,000 | $ 552,142 | $ 596,000 |
| Craighead, Arkansas | 6 | $ 630,000 | $ 105,000 | $ 103,000 |
| San Joaquin, California | 6 | $ 690,000 | $ 115,000 | $ 172,000 |
| Fulton, Georgia | 6 | $ 410,000 | $ 68,333 | $ 146,000 |
| Linn, Iowa | 6 | $ 980,000 | $ 163,333 | $ 91,000 |
| Wyandotte, Kansas | 6 | $ 810,000 | $ 135,000 | $ 78,000 |
| Ramsey, Minnesota | 6 | $ 1,100,000 | $ 183,333 | $ 122,000 |
| Clark, Nevada | 6 | $ 1,430,000 | $ 238,333 | $ 166,000 |
| Harnett, North Carolina | 6 | $ 710,000 | $ 118,333 | $ 113,000 |
| Greene, Tennessee | 6 | $ 560,000 | $ 93,333 | $ 265,000 |
| Los Angeles, California | 5 | $ 2,315,000 | $ 463,000 | $ 228,000 |
| Riverside, California | 5 | $ 1,145,000 | $ 229,000 | $ 112,000 |
| Denver, Colorado | 5 | $ 295,000 | $ 59,000 | $ 115,000 |
| Charlotte, Florida | 5 | $ 745,000 | $ 149,000 | $ 73,000 |
| Hillsborough, Florida | 5 | $ 935,000 | $ 187,000 | $ 158,000 |
| Richmond, Georgia | 5 | $ 585,000 | $ 117,000 | $ 54,000 |
| Benton, Iowa | 5 | $ 935,000 | $ 187,000 | $ 120,000 |
| Clayton, Iowa | 5 | $ 295,000 | $ 59,000 | $ 58,000 |
| Greene, Iowa | 5 | $ 355,000 | $ 71,000 | $ 78,000 |
| Madison, Iowa | 5 | $ 565,000 | $ 113,000 | $ 113,000 |
| Marion, Iowa | 5 | $ 275,000 | $ 55,000 | $ 106,000 |
| Miami, Kansas | 5 | $ 635,000 | $ 127,000 | $ 104,000 |
| Lubbock, Texas | 5 | $ 845,000 | $ 169,000 | $ 174,000 |
| Tarrant, Texas | 5 | $ 1,385,000 | $ 277,000 | $ 139,000 |
| Waukesha, Wisconsin | 5 | $ 965,000 | $ 193,000 | $ 89,000 |
| Palm Beach, Florida | 4 | $ 520,000 | $ 130,000 | $ 266,000 |
| Sarasota, Florida | 4 | $ 620,000 | $ 155,000 | $ 136,000 |
| Forsyth, Georgia | 4 | $ 1,100,000 | $ 275,000 | $ 151,000 |
| McDuffie, Georgia | 4 | $ 310,000 | $ 77,500 | $ 94,000 |
| McHenry, Illinois | 4 | $ 140,000 | $ 35,000 | $ 88,000 |
| Chickasaw, Iowa | 4 | $ 250,000 | $ 62,500 | $ 57,000 |
| Jasper, Iowa | 4 | $ 170,000 | $ 42,500 | $ 77,000 |
| Johnson, Iowa | 4 | $ 710,000 | $ 177,500 | $ 159,000 |
| Webster, Iowa | 4 | $ 570,000 | $ 142,500 | $ 94,000 |
| Jefferson, Kentucky | 4 | $ 760,000 | $ 190,000 | $ 88,000 |
| Jackson, Missouri | 4 | $ 480,000 | $ 120,000 | $ 62,000 |
| St. Louis, Missouri | 4 | $ 190,000 | $ 47,500 | $ 80,000 |
| Lancaster, Nebraska | 4 | $ 780,000 | $ 195,000 | $ 57,000 |
| Lincoln, Nebraska | 4 | $ 710,000 | $ 177,500 | $ 96,000 |
| Wood, Ohio | 4 | $ 470,000 | $ 117,500 | $ 101,000 |
| Lackawanna, Pennsylvania | 4 | $ 290,000 | $ 72,500 | $ 94,000 |
| York, South Carolina | 4 | $ 960,000 | $ 240,000 | $ 160,000 |
| Columbia, Wisconsin | 4 | $ 210,000 | $ 52,500 | $ 104,000 |
| Kings, California | 3 | $ 535,000 | $ 178,333 | $ 102,000 |
| Tulare, California | 3 | $ 435,000 | $ 145,000 | $ 91,000 |
| Douglas, Colorado | 3 | $ 455,000 | $ 151,666 | $ 81,000 |
| Grand, Colorado | 3 | $ 915,000 | $ 305,000 | $ 205,000 |
| Levy, Florida | 3 | $ 325,000 | $ 108,333 | $ 106,000 |
| Miami-Dade, Florida | 3 | $ 725,000 | $ 241,666 | $ 110,000 |
| Clayton, Georgia | 3 | $ 125,000 | $ 41,666 | $ 123,000 |
| Lowndes, Georgia | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| Christian, Illinois | 3 | $ 125,000 | $ 41,666 | $ 70,000 |
| McLean, Illinois | 3 | $ 435,000 | $ 145,000 | $ 80,000 |
| Peoria, Illinois | 3 | $ 315,000 | $ 105,000 | $ 102,000 |
| Pike, Indiana | 3 | $ 225,000 | $ 75,000 | $ 74,000 |
| Adair, Iowa | 3 | $ 465,000 | $ 155,000 | $ 73,000 |
| Delaware, Iowa | 3 | $ 295,000 | $ 98,333 | $ 242,000 |
| Mahaska, Iowa | 3 | $ 65,000 | $ 21,666 | $ 78,000 |
| Poweshiek, Iowa | 3 | $ 355,000 | $ 118,333 | $ 68,000 |
| Ringgold, Iowa | 3 | $ 455,000 | $ 151,666 | $ 109,000 |
| Calloway, Kentucky | 3 | $ 495,000 | $ 165,000 | $ 41,000 |
| Graves, Kentucky | 3 | $ 135,000 | $ 45,000 | $ 47,000 |
| Montgomery, Maryland | 3 | $ 935,000 | $ 311,666 | $ 282,000 |
| Anoka, Minnesota | 3 | $ 625,000 | $ 208,333 | $ 112,000 |
| Carver, Minnesota | 3 | $ 955,000 | $ 318,333 | $ 139,000 |
| Goodhue, Minnesota | 3 | $ 335,000 | $ 111,666 | $ 88,000 |
| Houston, Minnesota | 3 | $ 405,000 | $ 135,000 | $ 99,000 |
| Otter Tail, Minnesota | 3 | $ 365,000 | $ 121,666 | $ 119,000 |
| DeSoto, Mississippi | 3 | $ 255,000 | $ 85,000 | $ 100,000 |
| Madison, Mississippi | 3 | $ 845,000 | $ 281,666 | $ 85,000 |
| Douglas, Nebraska | 3 | $ 425,000 | $ 141,666 | $ 84,000 |
| Burlington, New Jersey | 3 | $ 795,000 | $ 265,000 | $ 131,000 |
| Cabarrus, North Carolina | 3 | $ 325,000 | $ 108,333 | $ 123,000 |
| Davidson, North Carolina | 3 | $ 55,000 | $ 18,333 | $ 52,000 |
| Gaston, North Carolina | 3 | $ 165,000 | $ 55,000 | $ 63,000 |
| Henderson, North Carolina | 3 | $ 1,525,000 | $ 508,333 | $ 119,000 |
| Stokes, North Carolina | 3 | $ 175,000 | $ 58,333 | $ 56,000 |
| Stutsman, North Dakota | 3 | $ 385,000 | $ 128,333 | $ 74,000 |
| Franklin, Ohio | 3 | $ 755,000 | $ 251,666 | $ 119,000 |
| Cumberland, Pennsylvania | 3 | $ 595,000 | $ 198,333 | $ 124,000 |
| Montgomery, Pennsylvania | 3 | $ 415,000 | $ 138,333 | $ 115,000 |
| Philadelphia, Pennsylvania | 3 | $ 505,000 | $ 168,333 | $ 177,000 |
| Aiken, South Carolina | 3 | $ 185,000 | $ 61,666 | $ 49,000 |
| Spartanburg, South Carolina | 3 | $ 105,000 | $ 35,000 | $ 83,000 |
| Weakley, Tennessee | 3 | $ 815,000 | $ 271,666 | $ 345,000 |
| Smith, Texas | 3 | $ 455,000 | $ 151,666 | $ 98,000 |
| Prince William, Virginia | 3 | $ 165,000 | $ 55,000 | $ 121,000 |
| Benton, Washington | 3 | $ 605,000 | $ 201,666 | $ 109,000 |
| Burnett, Wisconsin | 3 | $ 465,000 | $ 155,000 | $ 172,000 |
| Lafayette, Wisconsin | 3 | $ 415,000 | $ 138,333 | $ 140,000 |
| Coffee, Alabama | 2 | $ 150,000 | $ 75,000 | $ 37,000 |
| Pinal, Arizona | 2 | $ 400,000 | $ 200,000 | $ 70,000 |
| Washington, Arkansas | 2 | $ 50,000 | $ 25,000 | $ 49,000 |
| Orange, California | 2 | $ 590,000 | $ 295,000 | $ 179,000 |
| Jefferson, Colorado | 2 | $ 300,000 | $ 150,000 | $ 80,000 |
| Pueblo, Colorado | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Weld, Colorado | 2 | $ 530,000 | $ 265,000 | $ 74,000 |
| Alachua, Florida | 2 | $ 220,000 | $ 110,000 | $ 152,000 |
| Manatee, Florida | 2 | $ 120,000 | $ 60,000 | $ 113,000 |
| Okeechobee, Florida | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Pasco, Florida | 2 | $ 50,000 | $ 25,000 | $ 63,000 |
| Pinellas, Florida | 2 | $ 870,000 | $ 435,000 | $ 185,000 |
| St. Johns, Florida | 2 | $ 530,000 | $ 265,000 | $ 136,000 |
| Carroll, Georgia | 2 | $ 90,000 | $ 45,000 | $ 56,000 |
| Ada, Idaho | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| DeKalb, Illinois | 2 | $ 300,000 | $ 150,000 | $ 83,000 |
| DuPage, Illinois | 2 | $ 340,000 | $ 170,000 | $ 159,000 |
| Kane, Illinois | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| LaSalle, Illinois | 2 | $ 140,000 | $ 70,000 | $ 373,000 |
| Warren, Illinois | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Winnebago, Illinois | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| DeKalb, Indiana | 2 | $ 320,000 | $ 160,000 | $ 87,000 |
| Marion, Indiana | 2 | $ 180,000 | $ 90,000 | $ 75,000 |
| Allamakee, Iowa | 2 | $ 150,000 | $ 75,000 | $ 61,000 |
| Appanoose, Iowa | 2 | $ 70,000 | $ 35,000 | $ 102,000 |
| Clarke, Iowa | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Des Moines, Iowa | 2 | $ 130,000 | $ 65,000 | $ 90,000 |
| Hancock, Iowa | 2 | $ 90,000 | $ 45,000 | $ 65,000 |
| Louisa, Iowa | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Muscatine, Iowa | 2 | $ 210,000 | $ 105,000 | $ 99,000 |
| Leavenworth, Kansas | 2 | $ 290,000 | $ 145,000 | $ 141,000 |
| Sedgwick, Kansas | 2 | $ 350,000 | $ 175,000 | $ 87,000 |
| Kennebec, Maine | 2 | $ 500,000 | $ 250,000 | $ 49,000 |
| Livingston, Michigan | 2 | $ 430,000 | $ 215,000 | $ 84,000 |
| Monroe, Michigan | 2 | $ 210,000 | $ 105,000 | $ 95,000 |
| Oakland, Michigan | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| Saginaw, Michigan | 2 | $ 260,000 | $ 130,000 | $ 108,000 |
| Washtenaw, Michigan | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Hennepin, Minnesota | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Itasca, Minnesota | 2 | $ 50,000 | $ 25,000 | $ 97,000 |
| Kandiyohi, Minnesota | 2 | $ 30,000 | $ 15,000 | $ 80,000 |
| Mower, Minnesota | 2 | $ 90,000 | $ 45,000 | $ 123,000 |
| Murray, Minnesota | 2 | $ 230,000 | $ 115,000 | $ 103,000 |
| Nicollet, Minnesota | 2 | $ 200,000 | $ 100,000 | $ 80,000 |
| Todd, Minnesota | 2 | $ 540,000 | $ 270,000 | $ 72,000 |
| Wright, Minnesota | 2 | $ 110,000 | $ 55,000 | $ 203,000 |
| Camden, Missouri | 2 | $ 220,000 | $ 110,000 | $ 120,000 |
| Clay, Missouri | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Jasper, Missouri | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Morgan, Missouri | 2 | $ 340,000 | $ 170,000 | $ 167,000 |
| Schuyler, Missouri | 2 | $ 110,000 | $ 55,000 | $ 22,000 |
| Flathead, Montana | 2 | $ 90,000 | $ 45,000 | $ 76,000 |
| Buffalo, Nebraska | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Lyon, Nevada | 2 | $ 430,000 | $ 215,000 | $ 172,000 |
| Merrimack, New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 120,000 |
| Durham, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 196,000 |
| Macon, North Carolina | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Mecklenburg, North Carolina | 2 | $ 310,000 | $ 155,000 | $ 82,000 |
| Union, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 109,000 |
| Grand Forks, North Dakota | 2 | $ 240,000 | $ 120,000 | $ 177,000 |
| Geauga, Ohio | 2 | $ 510,000 | $ 255,000 | $ 133,000 |
| Highland, Ohio | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Knox, Ohio | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Montgomery, Ohio | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Wyandot, Ohio | 2 | $ 220,000 | $ 110,000 | $ 125,000 |
| Nowata, Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 59,000 |
| Hood River, Oregon | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Lancaster, Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 157,000 |
| Campbell, Tennessee | 2 | $ 550,000 | $ 275,000 | $ 185,000 |
| Cumberland, Tennessee | 2 | $ 710,000 | $ 355,000 | $ 149,000 |
| Gibson, Tennessee | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Hamblen, Tennessee | 2 | $ 30,000 | $ 15,000 | $ 73,000 |
| Monroe, Tennessee | 2 | $ 1,160,000 | $ 580,000 | $ 402,000 |
| Washington, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 74,000 |
| Williamson, Tennessee | 2 | $ 320,000 | $ 160,000 | $ 350,000 |
| Dallas, Texas | 2 | $ 290,000 | $ 145,000 | $ 199,000 |
| Denton, Texas | 2 | $ 80,000 | $ 40,000 | $ 173,000 |
| Montgomery, Texas | 2 | $ 430,000 | $ 215,000 | $ 136,000 |
| Williamson, Texas | 2 | $ 520,000 | $ 260,000 | $ 191,000 |
| Salt Lake, Utah | 2 | $ 360,000 | $ 180,000 | $ 100,000 |
| Albemarle, Virginia | 2 | $ 110,000 | $ 55,000 | $ 115,000 |
| Essex, Virginia | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Clark, Washington | 2 | $ 230,000 | $ 115,000 | $ 130,000 |
| Kitsap, Washington | 2 | $ 660,000 | $ 330,000 | $ 151,000 |
| Ashland, Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Forest, Wisconsin | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| Jefferson, Wisconsin | 2 | $ 260,000 | $ 130,000 | $ 104,000 |
| Polk, Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 80,000 |
| Sauk, Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Lee, Alabama | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Talladega, Alabama | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Mohave, Arizona | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Colusa, California | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| San Diego, California | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Broomfield, Colorado | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Duval, Florida | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| Escambia, Florida | 1 | $ 415,000 | $ 415,000 | $ 132,000 |
| Marion, Florida | 1 | $ 305,000 | $ 305,000 | $ 202,000 |
| Osceola, Florida | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Polk, Florida | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Seminole, Florida | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Burke, Georgia | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Cobb, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Douglas, Georgia | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Lee, Georgia | 1 | $ 125,000 | $ 125,000 | $ 119,000 |
| Wilkes, Georgia | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Douglas, Illinois | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Fulton, Illinois | 1 | $ 45,000 | $ 45,000 | $ 143,000 |
| Lake, Illinois | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Macoupin, Illinois | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Piatt, Illinois | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Vermilion, Illinois | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Elkhart, Indiana | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Hendricks, Indiana | 1 | $ 45,000 | $ 45,000 | $ 164,000 |
| Porter, Indiana | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Audubon, Iowa | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Dickinson, Iowa | 1 | $ 625,000 | $ 625,000 | $ 198,000 |
| Hardin, Iowa | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Lee, Iowa | 1 | $ 15,000 | $ 15,000 | $ 142,000 |
| Jefferson, Kansas | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Boone, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Breckinridge, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Carlisle, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Logan, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Warren, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Ascension, Louisiana | 1 | $ 385,000 | $ 385,000 | $ 161,000 |
| St. James, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| St. Tammany, Louisiana | 1 | $ 335,000 | $ 335,000 | $ 220,000 |
| Terrebonne, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cumberland, Maine | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Oxford, Maine | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Berrien, Michigan | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Delta, Michigan | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Hillsdale, Michigan | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Leelanau, Michigan | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Macomb, Michigan | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Wayne, Michigan | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Becker, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Dakota, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Lake, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 93,000 |
| Norman, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Scott, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Stearns, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Waseca, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Wilkin, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Bollinger, Missouri | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Christian, Missouri | 1 | $ 475,000 | $ 475,000 | $ 147,000 |
| Clinton, Missouri | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Cooper, Missouri | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Platte, Missouri | 1 | $ 35,000 | $ 35,000 | $ 450,000 |
| St. Charles, Missouri | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Webster, Missouri | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Yellowstone, Montana | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Colfax, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hall, Nebraska | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Rock, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Sarpy, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Washoe, Nevada | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Camden, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Mercer, New Jersey | 1 | $ 45,000 | $ 45,000 | $ 119,000 |
| Ocean, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Sandoval, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Onondaga, New York | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| Saratoga, New York | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Alamance, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Brunswick, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 199,000 |
| Chatham, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
| Franklin, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Granville, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Guilford, North Carolina | 1 | $ 495,000 | $ 495,000 | $ 201,000 |
| Halifax, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Iredell, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Lee, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Rockingham, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Rutherford, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Griggs, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| LaMoure, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Pembina, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 334,000 |
| Richland, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| Butler, Ohio | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Delaware, Ohio | 1 | $ 395,000 | $ 395,000 | $ 175,000 |
| Mayes, Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Tulsa, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Woodward, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Multnomah, Oregon | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Blair, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Anderson, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Edgefield, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| McCormick, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Newberry, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Richland, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Union, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Lincoln, South Dakota | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Yankton, South Dakota | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Crockett, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Hardin, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 162,000 |
| Haywood, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Jefferson, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Lauderdale, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Obion, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Comal, Texas | 1 | $ 25,000 | $ 25,000 | $ 163,000 |
| El Paso, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Galveston, Texas | 1 | $ 45,000 | $ 45,000 | $ 197,000 |
| Gregg, Texas | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Hale, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kaufman, Texas | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| McLennan, Texas | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Waller, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Utah, Utah | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Windsor, Vermont | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Henrico, Virginia | 1 | $ 455,000 | $ 455,000 | $ 191,000 |
| King William, Virginia | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Loudoun, Virginia | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Louisa, Virginia | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Middlesex, Virginia | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Norfolk, Virginia | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Calumet, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Chippewa, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Green, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Iowa, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Jackson, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Manitowoc, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Monroe, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Oconto, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Portage, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Vernon, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Vilas, 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.
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