Empeople Credit Union Mortgage Lending & HMDA Data, 2020

In 2020, Empeople Credit Union of Moline, IL reported 4,793 mortgage applications totaling $869.7 million, up 53% from 2019. The average application was for $181,459, and applicants reported an average income of $129,205. 59% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (1,253), Des Moines-West Des Moines, IA (508) and Waterloo-Cedar Falls, IA (305) (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 4,793
Total Mortgage Loan Application Amount $869,735,000
Average Mortgage Loan Application Amount $181,459
Highest Mortgage Loan Application Amount $1,405,000
Average Applicant Income $129,205
Highest Applicant Income $4,416,000

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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Empeople Credit Union by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Scott, Iowa 641 $ 130,645,000 $ 203,814 $ 151,000
Rock Island, Illinois 423 $ 49,335,000 $ 116,631 $ 111,000
Polk, Iowa 366 $ 72,870,000 $ 199,098 $ 131,000
Black Hawk, Iowa 231 $ 35,065,000 $ 151,796 $ 110,000
Henry, Illinois 155 $ 19,005,000 $ 122,612 $ 114,000
Dubuque, Iowa 138 $ 23,170,000 $ 167,898 $ 110,000
Wake, North Carolina 109 $ 27,925,000 $ 256,192 $ 149,000
Johnson, Kansas 96 $ 25,110,000 $ 261,562 $ 187,000
Dallas, Iowa 95 $ 20,815,000 $ 219,105 $ 158,000
Cass, North Dakota 91 $ 18,165,000 $ 199,615 $ 129,000
Dodge, Wisconsin 68 $ 10,020,000 $ 147,352 $ 121,000
Columbia, Georgia 61 $ 12,255,000 $ 200,901 $ 120,000
Bremer, Iowa 57 $ 8,305,000 $ 145,701 $ 99,000
Wapello, Iowa 43 $ 5,535,000 $ 128,720 $ 88,000
Mercer, Illinois 34 $ 4,260,000 $ 125,294 $ 75,000
Greenville, South Carolina 31 $ 4,135,000 $ 133,387 $ 90,000
Cook, Illinois 30 $ 7,080,000 $ 236,000 $ 148,000
Maricopa, Arizona 28 $ 6,400,000 $ 228,571 $ 162,000
Buchanan, Iowa 26 $ 3,650,000 $ 140,384 $ 99,000
Clinton, Iowa 25 $ 4,235,000 $ 169,400 $ 98,000
Clay, Minnesota 22 $ 3,630,000 $ 165,000 $ 171,000
Johnston, North Carolina 22 $ 3,960,000 $ 180,000 $ 105,000
Dane, Wisconsin 22 $ 5,110,000 $ 232,272 $ 122,000
Butler, Iowa 21 $ 3,315,000 $ 157,857 $ 131,000
Jasper, Iowa 19 $ 1,855,000 $ 97,631 $ 75,000
Story, Iowa 19 $ 3,235,000 $ 170,263 $ 209,000
Harnett, North Carolina 19 $ 2,805,000 $ 147,631 $ 98,000
Whiteside, Illinois 18 $ 1,980,000 $ 110,000 $ 82,000
Greene, Tennessee 18 $ 2,720,000 $ 151,111 $ 86,000
Denton, Texas 18 $ 3,810,000 $ 211,666 $ 127,000
Grundy, Iowa 17 $ 2,355,000 $ 138,529 $ 113,000
Warren, Iowa 17 $ 3,135,000 $ 184,411 $ 153,000
Montgomery, Kansas 17 $ 1,675,000 $ 98,529 $ 95,000
Lafourche, Louisiana 17 $ 2,645,000 $ 155,588 $ 111,000
Greene, Missouri 17 $ 2,215,000 $ 130,294 $ 112,000
Jackson, Iowa 16 $ 1,560,000 $ 97,500 $ 88,000
Tarrant, Texas 15 $ 3,445,000 $ 229,666 $ 114,000
Grant, Wisconsin 15 $ 2,355,000 $ 157,000 $ 81,000
Fayette, Iowa 14 $ 1,650,000 $ 117,857 $ 115,000
Boone, Iowa 13 $ 1,985,000 $ 152,692 $ 208,000
Davis, Iowa 13 $ 1,655,000 $ 127,307 $ 100,000
Wright, Iowa 12 $ 810,000 $ 67,500 $ 91,000
Clark, Nevada 12 $ 2,710,000 $ 225,833 $ 141,000
Forsyth, North Carolina 12 $ 3,200,000 $ 266,666 $ 151,000
Guilford, North Carolina 12 $ 2,090,000 $ 174,166 $ 90,000
Spartanburg, South Carolina 12 $ 1,570,000 $ 130,833 $ 167,000
Jefferson, Wisconsin 12 $ 2,200,000 $ 183,333 $ 105,000
San Diego, California 11 $ 4,125,000 $ 375,000 $ 181,000
Denver, Colorado 11 $ 4,495,000 $ 408,636 $ 428,000
Lee, Florida 11 $ 2,255,000 $ 205,000 $ 138,000
Hennepin, Minnesota 11 $ 2,335,000 $ 212,272 $ 107,000
Craighead, Arkansas 10 $ 2,200,000 $ 220,000 $ 131,000
Hillsborough, Florida 10 $ 2,660,000 $ 266,000 $ 145,000
Jo Daviess, Illinois 10 $ 1,490,000 $ 149,000 $ 89,000
Greene, Iowa 10 $ 880,000 $ 88,000 $ 76,000
Linn, Iowa 10 $ 1,990,000 $ 199,000 $ 106,000
Muscatine, Iowa 10 $ 1,670,000 $ 167,000 $ 200,000
Washington, Wisconsin 10 $ 1,830,000 $ 183,000 $ 103,000
Waukesha, Wisconsin 10 $ 2,510,000 $ 251,000 $ 113,000
Yavapai, Arizona 9 $ 2,025,000 $ 225,000 $ 99,000
Fulton, Georgia 9 $ 2,575,000 $ 286,111 $ 139,000
Benton, Iowa 9 $ 1,775,000 $ 197,222 $ 115,000
Johnson, Iowa 9 $ 1,365,000 $ 151,666 $ 162,000
Douglas, Nebraska 9 $ 1,255,000 $ 139,444 $ 132,000
Fond du Lac, Wisconsin 9 $ 1,125,000 $ 125,000 $ 146,000
Benton, Arkansas 8 $ 2,470,000 $ 308,750 $ 141,000
Richmond, Georgia 8 $ 950,000 $ 118,750 $ 69,000
Madison, Iowa 8 $ 1,740,000 $ 217,500 $ 104,000
Webster, Iowa 8 $ 910,000 $ 113,750 $ 46,000
Macomb, Michigan 8 $ 1,360,000 $ 170,000 $ 75,000
Carver, Minnesota 8 $ 2,520,000 $ 315,000 $ 178,000
Dakota, Minnesota 8 $ 1,220,000 $ 152,500 $ 101,000
Otter Tail, Minnesota 8 $ 1,430,000 $ 178,750 $ 111,000
Mecklenburg, North Carolina 8 $ 1,720,000 $ 215,000 $ 115,000
Paulding, Ohio 8 $ 1,320,000 $ 165,000 $ 95,000
Anderson, South Carolina 8 $ 1,210,000 $ 151,250 $ 125,000
Williamson, Tennessee 8 $ 2,740,000 $ 342,500 $ 205,000
Imperial, California 7 $ 1,315,000 $ 187,857 $ 88,000
Broward, Florida 7 $ 1,425,000 $ 203,571 $ 117,000
Manatee, Florida 7 $ 2,065,000 $ 295,000 $ 145,000
Ada, Idaho 7 $ 1,095,000 $ 156,428 $ 257,000
Will, Illinois 7 $ 1,405,000 $ 200,714 $ 155,000
Mahaska, Iowa 7 $ 705,000 $ 100,714 $ 74,000
Poweshiek, Iowa 7 $ 905,000 $ 129,285 $ 114,000
Assumption, Louisiana 7 $ 1,265,000 $ 180,714 $ 118,000
Alamance, North Carolina 7 $ 895,000 $ 127,857 $ 106,000
Durham, North Carolina 7 $ 1,655,000 $ 236,428 $ 276,000
Barnes, North Dakota 7 $ 1,175,000 $ 167,857 $ 122,000
Vilas, Wisconsin 7 $ 1,215,000 $ 173,571 $ 211,000
Baldwin, Alabama 6 $ 910,000 $ 151,666 $ 65,000
Cross, Arkansas 6 $ 780,000 $ 130,000 $ 91,000
Orange, California 6 $ 3,200,000 $ 533,333 $ 201,000
Riverside, California 6 $ 1,300,000 $ 216,666 $ 74,000
Douglas, Colorado 6 $ 1,830,000 $ 305,000 $ 217,000
Larimer, Colorado 6 $ 1,240,000 $ 206,666 $ 99,000
Collier, Florida 6 $ 2,160,000 $ 360,000 $ 126,000
Palm Beach, Florida 6 $ 1,170,000 $ 195,000 $ 124,000
DuPage, Illinois 6 $ 1,720,000 $ 286,666 $ 176,000
Kane, Illinois 6 $ 1,310,000 $ 218,333 $ 142,000
Cerro Gordo, Iowa 6 $ 1,890,000 $ 315,000 $ 138,000
Chickasaw, Iowa 6 $ 560,000 $ 93,333 $ 91,000
Clayton, Iowa 6 $ 440,000 $ 73,333 $ 88,000
Delaware, Iowa 6 $ 850,000 $ 141,666 $ 585,000
Tama, Iowa 6 $ 730,000 $ 121,666 $ 71,000
Sedgwick, Kansas 6 $ 1,150,000 $ 191,666 $ 132,000
Sherman, Kansas 6 $ 680,000 $ 113,333 $ 75,000
Wyandotte, Kansas 6 $ 670,000 $ 111,666 $ 214,000
Graves, Kentucky 6 $ 380,000 $ 63,333 $ 71,000
Cass, Missouri 6 $ 1,060,000 $ 176,666 $ 61,000
Scotts Bluff, Nebraska 6 $ 880,000 $ 146,666 $ 148,000
Cabarrus, North Carolina 6 $ 1,740,000 $ 290,000 $ 132,000
Franklin, Ohio 6 $ 1,300,000 $ 216,666 $ 126,000
Collin, Texas 6 $ 1,480,000 $ 246,666 $ 143,000
King, Washington 6 $ 1,390,000 $ 231,666 $ 150,000
Raleigh, West Virginia 6 $ 620,000 $ 103,333 $ 134,000
Rock, Wisconsin 6 $ 610,000 $ 101,666 $ 125,000
San Bernardino, California 5 $ 965,000 $ 193,000 $ 97,000
San Joaquin, California 5 $ 1,095,000 $ 219,000 $ 114,000
Arapahoe, Colorado 5 $ 1,955,000 $ 391,000 $ 191,000
Miami-Dade, Florida 5 $ 1,055,000 $ 211,000 $ 100,000
Orange, Florida 5 $ 1,515,000 $ 303,000 $ 126,000
Pinellas, Florida 5 $ 1,185,000 $ 237,000 $ 968,000
Gwinnett, Georgia 5 $ 425,000 $ 85,000 $ 70,000
Adams, Illinois 5 $ 625,000 $ 125,000 $ 90,000
Knox, Illinois 5 $ 645,000 $ 129,000 $ 97,000
Monroe, Iowa 5 $ 535,000 $ 107,000 $ 103,000
Labette, Kansas 5 $ 545,000 $ 109,000 $ 72,000
Cumberland, Maine 5 $ 2,155,000 $ 431,000 $ 169,000
Becker, Minnesota 5 $ 535,000 $ 107,000 $ 102,000
Jackson, Missouri 5 $ 935,000 $ 187,000 $ 82,000
Platte, Missouri 5 $ 975,000 $ 195,000 $ 109,000
St. Charles, Missouri 5 $ 605,000 $ 121,000 $ 82,000
St. Louis, Missouri 5 $ 835,000 $ 167,000 $ 69,000
Stanly, North Carolina 5 $ 895,000 $ 179,000 $ 202,000
Dallas, Texas 5 $ 965,000 $ 193,000 $ 88,000
Harris, Texas 5 $ 1,535,000 $ 307,000 $ 104,000
Salt Lake, Utah 5 $ 1,935,000 $ 387,000 $ 148,000
Lawrence, Arkansas 4 $ 260,000 $ 65,000 $ 67,000
Poinsett, Arkansas 4 $ 500,000 $ 125,000 $ 84,000
Los Angeles, California 4 $ 1,250,000 $ 312,500 $ 144,000
Stanislaus, California 4 $ 640,000 $ 160,000 $ 91,000
Tulare, California 4 $ 630,000 $ 157,500 $ 362,000
Adams, Colorado 4 $ 1,220,000 $ 305,000 $ 93,000
Weld, Colorado 4 $ 1,630,000 $ 407,500 $ 189,000
Lowndes, Georgia 4 $ 790,000 $ 197,500 $ 116,000
Champaign, Illinois 4 $ 1,040,000 $ 260,000 $ 113,000
LaSalle, Illinois 4 $ 740,000 $ 185,000 $ 95,000
Marshall, Illinois 4 $ 750,000 $ 187,500 $ 172,000
Hamilton, Indiana 4 $ 820,000 $ 205,000 $ 115,000
Cedar, Iowa 4 $ 740,000 $ 185,000 $ 129,000
Franklin, Iowa 4 $ 150,000 $ 37,500 $ 97,000
Jefferson, Iowa 4 $ 430,000 $ 107,500 $ 74,000
Keokuk, Iowa 4 $ 240,000 $ 60,000 $ 88,000
Lee, Iowa 4 $ 530,000 $ 132,500 $ 86,000
Russell, Kentucky 4 $ 350,000 $ 87,500 $ 69,000
Ascension, Louisiana 4 $ 680,000 $ 170,000 $ 145,000
Lafayette, Louisiana 4 $ 970,000 $ 242,500 $ 143,000
St. Tammany, Louisiana 4 $ 1,000,000 $ 250,000 $ 88,000
York, Maine 4 $ 730,000 $ 182,500 $ 120,000
Wayne, Michigan 4 $ 540,000 $ 135,000 $ 132,000
Mower, Minnesota 4 $ 1,120,000 $ 280,000 $ 126,000
Camden, Missouri 4 $ 1,060,000 $ 265,000 $ 191,000
Clay, Missouri 4 $ 1,070,000 $ 267,500 $ 144,000
Jasper, Missouri 4 $ 740,000 $ 185,000 $ 50,000
Jefferson, Missouri 4 $ 550,000 $ 137,500 $ 200,000
New Madrid, Missouri 4 $ 510,000 $ 127,500 $ 73,000
Flathead, Montana 4 $ 1,310,000 $ 327,500 $ 72,000
Gallatin, Montana 4 $ 1,490,000 $ 372,500 $ 103,000
Chase, Nebraska 4 $ 520,000 $ 130,000 $ 53,000
Cheyenne, Nebraska 4 $ 410,000 $ 102,500 $ 68,000
Washoe, Nevada 4 $ 1,510,000 $ 377,500 $ 117,000
Randolph, North Carolina 4 $ 430,000 $ 107,500 $ 85,000
Stokes, North Carolina 4 $ 720,000 $ 180,000 $ 14,000
Richland, North Dakota 4 $ 1,050,000 $ 262,500 $ 122,000
Butler, Ohio 4 $ 830,000 $ 207,500 $ 228,000
Le Flore, Oklahoma 4 $ 420,000 $ 105,000 $ 89,000
Tulsa, Oklahoma 4 $ 730,000 $ 182,500 $ 104,000
Edgefield, South Carolina 4 $ 1,070,000 $ 267,500 $ 139,000
Gibson, Tennessee 4 $ 470,000 $ 117,500 $ 85,000
Sumner, Tennessee 4 $ 530,000 $ 132,500 $ 80,000
Montgomery, Texas 4 $ 1,240,000 $ 310,000 $ 259,000
Parker, Texas 4 $ 940,000 $ 235,000 $ 237,000
Iowa, Wisconsin 4 $ 910,000 $ 227,500 $ 125,000
Lafayette, Wisconsin 4 $ 540,000 $ 135,000 $ 120,000
Winnebago, Wisconsin 4 $ 950,000 $ 237,500 $ 184,000
Izard, Arkansas 3 $ 305,000 $ 101,666 $ 101,000
Saline, Arkansas 3 $ 585,000 $ 195,000 $ 113,000
Brevard, Florida 3 $ 615,000 $ 205,000 $ 115,000
Duval, Florida 3 $ 565,000 $ 188,333 $ 54,000
Escambia, Florida 3 $ 465,000 $ 155,000 $ 78,000
Sarasota, Florida 3 $ 715,000 $ 238,333 $ 104,000
Forsyth, Georgia 3 $ 795,000 $ 265,000 $ 146,000
Boone, Illinois 3 $ 605,000 $ 201,666 $ 112,000
Bureau, Illinois 3 $ 325,000 $ 108,333 $ 69,000
Carroll, Illinois 3 $ 485,000 $ 161,666 $ 312,000
Lake, Illinois 3 $ 795,000 $ 265,000 $ 232,000
McLean, Illinois 3 $ 495,000 $ 165,000 $ 107,000
Ogle, Illinois 3 $ 415,000 $ 138,333 $ 94,000
Guthrie, Iowa 3 $ 255,000 $ 85,000 $ 77,000
Hardin, Iowa 3 $ 405,000 $ 135,000 $ 90,000
Jones, Iowa 3 $ 425,000 $ 141,666 $ 110,000
Marion, Iowa 3 $ 515,000 $ 171,666 $ 70,000
Ringgold, Iowa 3 $ 595,000 $ 198,333 $ 162,000
Sioux, Iowa 3 $ 415,000 $ 138,333 $ 91,000
Douglas, Kansas 3 $ 835,000 $ 278,333 $ 133,000
Miami, Kansas 3 $ 775,000 $ 258,333 $ 108,000
Kenton, Kentucky 3 $ 245,000 $ 81,666 $ 74,000
Avoyelles, Louisiana 3 $ 315,000 $ 105,000 $ 32,000
Pointe Coupee, Louisiana 3 $ 255,000 $ 85,000 $ 123,000
Howard, Maryland 3 $ 1,135,000 $ 378,333 $ 130,000
Queen Anne's, Maryland 3 $ 615,000 $ 205,000 $ 237,000
Worcester, Massachusetts 3 $ 1,025,000 $ 341,666 $ 183,000
Goodhue, Minnesota 3 $ 385,000 $ 128,333 $ 79,000
Marshall, Minnesota 3 $ 225,000 $ 75,000 $ 99,000
Ramsey, Minnesota 3 $ 675,000 $ 225,000 $ 84,000
Scott, Minnesota 3 $ 695,000 $ 231,666 $ 137,000
Wabasha, Minnesota 3 $ 505,000 $ 168,333 $ 101,000
Washington, Minnesota 3 $ 435,000 $ 145,000 $ 86,000
Wright, Minnesota 3 $ 615,000 $ 205,000 $ 98,000
Madison, Mississippi 3 $ 465,000 $ 155,000 $ 137,000
Christian, Missouri 3 $ 305,000 $ 101,666 $ 75,000
Keith, Nebraska 3 $ 265,000 $ 88,333 $ 71,000
Lancaster, Nebraska 3 $ 405,000 $ 135,000 $ 61,000
Morrill, Nebraska 3 $ 295,000 $ 98,333 $ 87,000
Warren, New Jersey 3 $ 445,000 $ 148,333 $ 119,000
Washington, New York 3 $ 945,000 $ 315,000 $ 68,000
Burke, North Carolina 3 $ 445,000 $ 148,333 $ 112,000
Chatham, North Carolina 3 $ 1,405,000 $ 468,333 $ 153,000
Davidson, North Carolina 3 $ 175,000 $ 58,333 $ 85,000
Iredell, North Carolina 3 $ 975,000 $ 325,000 $ 119,000
Lee, North Carolina 3 $ 445,000 $ 148,333 $ 82,000
Onslow, North Carolina 3 $ 385,000 $ 128,333 $ 114,000
Surry, North Carolina 3 $ 405,000 $ 135,000 $ 108,000
Stutsman, North Dakota 3 $ 525,000 $ 175,000 $ 156,000
Delaware, Ohio 3 $ 925,000 $ 308,333 $ 175,000
Cleveland, Oklahoma 3 $ 685,000 $ 228,333 $ 225,000
Multnomah, Oregon 3 $ 765,000 $ 255,000 $ 134,000
Beaufort, South Carolina 3 $ 1,095,000 $ 365,000 $ 146,000
Newberry, South Carolina 3 $ 545,000 $ 181,666 $ 248,000
York, South Carolina 3 $ 855,000 $ 285,000 $ 182,000
Fayette, Tennessee 3 $ 415,000 $ 138,333 $ 101,000
Lubbock, Texas 3 $ 505,000 $ 168,333 $ 62,000
Eau Claire, Wisconsin 3 $ 495,000 $ 165,000 $ 88,000
Vernon, Wisconsin 3 $ 315,000 $ 105,000 $ 67,000
Jefferson, Alabama 2 $ 530,000 $ 265,000 $ 113,000
Lee, Alabama 2 $ 270,000 $ 135,000 $ 111,000
Tuscaloosa, Alabama 2 $ 370,000 $ 185,000 $ 84,000
Cochise, Arizona 2 $ 100,000 $ 50,000 $ 100,000
Mohave, Arizona 2 $ 360,000 $ 180,000 $ 159,000
Pima, Arizona 2 $ 550,000 $ 275,000 $ 130,000
Yuma, Arizona 2 $ 210,000 $ 105,000 $ 87,000
Arkansas, Arkansas 2 $ 200,000 $ 100,000 $ 163,000
Clay, Arkansas 2 $ 170,000 $ 85,000 $ 85,000
Cleburne, Arkansas 2 $ 410,000 $ 205,000 $ 128,000
Lincoln, Arkansas 2 $ 120,000 $ 60,000 $ 108,000
Alameda, California 2 $ 970,000 $ 485,000 $ 265,000
Fresno, California 2 $ 700,000 $ 350,000 $ 84,000
Madera, California 2 $ 600,000 $ 300,000 $ 148,000
Placer, California 2 $ 550,000 $ 275,000 $ 74,000
Sacramento, California 2 $ 480,000 $ 240,000 $ 95,000
Ventura, California 2 $ 720,000 $ 360,000 $ 245,000
El Paso, Colorado 2 $ 290,000 $ 145,000 $ 84,000
Kit Carson, Colorado 2 $ 250,000 $ 125,000 $ 101,000
Logan, Colorado 2 $ 380,000 $ 190,000 $ 145,000
Mesa, Colorado 2 $ 410,000 $ 205,000 $ 137,000
Phillips, Colorado 2 $ 160,000 $ 80,000 $ 131,000
New Haven, Connecticut 2 $ 250,000 $ 125,000 $ 95,000
Sussex, Delaware 2 $ 300,000 $ 150,000 $ 86,000
Lake, Florida 2 $ 330,000 $ 165,000 $ 403,000
Leon, Florida 2 $ 330,000 $ 165,000 $ 238,000
Pasco, Florida 2 $ 390,000 $ 195,000 $ 139,000
Seminole, Florida 2 $ 210,000 $ 105,000 $ 142,000
St. Johns, Florida 2 $ 660,000 $ 330,000 $ 100,000
St. Lucie, Florida 2 $ 80,000 $ 40,000 $ 152,000
Cobb, Georgia 2 $ 910,000 $ 455,000 $ 192,000
DeKalb, Georgia 2 $ 970,000 $ 485,000 $ 144,000
Henry, Georgia 2 $ 180,000 $ 90,000 $ 62,000
Lamar, Georgia 2 $ 280,000 $ 140,000 $ 61,000
Lee, Georgia 2 $ 160,000 $ 80,000 $ 93,000
Lincoln, Georgia 2 $ 540,000 $ 270,000 $ 165,000
McDuffie, Georgia 2 $ 460,000 $ 230,000 $ 66,000
Rockdale, Georgia 2 $ 260,000 $ 130,000 $ 59,000
Bonneville, Idaho 2 $ 110,000 $ 55,000 $ 71,000
Christian, Illinois 2 $ 220,000 $ 110,000 $ 103,000
Macon, Illinois 2 $ 310,000 $ 155,000 $ 110,000
Peoria, Illinois 2 $ 320,000 $ 160,000 $ 156,000
Pike, Illinois 2 $ 60,000 $ 30,000 $ 62,000
Carroll, Indiana 2 $ 410,000 $ 205,000 $ 95,000
Clark, Indiana 2 $ 290,000 $ 145,000 $ 97,000
DeKalb, Indiana 2 $ 470,000 $ 235,000 $ 77,000
St. Joseph, Indiana 2 $ 900,000 $ 450,000 $ 67,000
Floyd, Iowa 2 $ 270,000 $ 135,000 $ 87,000
Hancock, Iowa 2 $ 240,000 $ 120,000 $ 94,000
Marshall, Iowa 2 $ 160,000 $ 80,000 $ 105,000
Mills, Iowa 2 $ 300,000 $ 150,000 $ 105,000
Barton, Kansas 2 $ 130,000 $ 65,000 $ 68,000
Doniphan, Kansas 2 $ 120,000 $ 60,000 $ 106,000
Leavenworth, Kansas 2 $ 570,000 $ 285,000 $ 0
Morris, Kansas 2 $ 380,000 $ 190,000 $ 171,000
Riley, Kansas 2 $ 310,000 $ 155,000 $ 335,000
Logan, Kentucky 2 $ 270,000 $ 135,000 $ 76,000
Vermilion, Louisiana 2 $ 100,000 $ 50,000 $ 64,000
Penobscot, Maine 2 $ 290,000 $ 145,000 $ 0
Dorchester, Maryland 2 $ 390,000 $ 195,000 $ 106,000
Hillsdale, Michigan 2 $ 180,000 $ 90,000 $ 93,000
Ingham, Michigan 2 $ 280,000 $ 140,000 $ 113,000
Kent, Michigan 2 $ 240,000 $ 120,000 $ 116,000
Oakland, Michigan 2 $ 650,000 $ 325,000 $ 160,000
Anoka, Minnesota 2 $ 370,000 $ 185,000 $ 112,000
Chisago, Minnesota 2 $ 320,000 $ 160,000 $ 109,000
Douglas, Minnesota 2 $ 500,000 $ 250,000 $ 33,000
Fillmore, Minnesota 2 $ 400,000 $ 200,000 $ 121,000
Hubbard, Minnesota 2 $ 320,000 $ 160,000 $ 142,000
Kandiyohi, Minnesota 2 $ 330,000 $ 165,000 $ 124,000
Koochiching, Minnesota 2 $ 210,000 $ 105,000 $ 171,000
Stearns, Minnesota 2 $ 410,000 $ 205,000 $ 108,000
Barton, Missouri 2 $ 160,000 $ 80,000 $ 76,000
Dade, Missouri 2 $ 260,000 $ 130,000 $ 103,000
Holt, Missouri 2 $ 280,000 $ 140,000 $ 113,000
Morgan, Missouri 2 $ 360,000 $ 180,000 $ 156,000
Polk, Missouri 2 $ 210,000 $ 105,000 $ 86,000
Webster, Missouri 2 $ 30,000 $ 15,000 $ 50,000
Gage, Nebraska 2 $ 390,000 $ 195,000 $ 89,000
Red Willow, Nebraska 2 $ 330,000 $ 165,000 $ 155,000
Sarpy, Nebraska 2 $ 360,000 $ 180,000 $ 6,000
Lyon, Nevada 2 $ 870,000 $ 435,000 $ 191,000
Merrimack, New Hampshire 2 $ 270,000 $ 135,000 $ 143,000
Mercer, New Jersey 2 $ 820,000 $ 410,000 $ 131,000
Union, New Jersey 2 $ 500,000 $ 250,000 $ 128,000
Bernalillo, New Mexico 2 $ 450,000 $ 225,000 $ 100,000
Oswego, New York 2 $ 270,000 $ 135,000 $ 119,000
Brunswick, North Carolina 2 $ 350,000 $ 175,000 $ 30,000
Buncombe, North Carolina 2 $ 230,000 $ 115,000 $ 77,000
Carteret, North Carolina 2 $ 410,000 $ 205,000 $ 79,000
Lincoln, North Carolina 2 $ 400,000 $ 200,000 $ 145,000
Moore, North Carolina 2 $ 1,220,000 $ 610,000 $ 179,000
New Hanover, North Carolina 2 $ 490,000 $ 245,000 $ 139,000
Orange, North Carolina 2 $ 730,000 $ 365,000 $ 152,000
Pender, North Carolina 2 $ 230,000 $ 115,000 $ 113,000
Rutherford, North Carolina 2 $ 410,000 $ 205,000 $ 94,000
Wilkes, North Carolina 2 $ 440,000 $ 220,000 $ 111,000
Yadkin, North Carolina 2 $ 200,000 $ 100,000 $ 56,000
Burleigh, North Dakota 2 $ 260,000 $ 130,000 $ 105,000
Pembina, North Dakota 2 $ 230,000 $ 115,000 $ 2,365,000
Ransom, North Dakota 2 $ 250,000 $ 125,000 $ 118,000
Walsh, North Dakota 2 $ 90,000 $ 45,000 $ 56,000
Henry, Ohio 2 $ 160,000 $ 80,000 $ 78,000
Medina, Ohio 2 $ 580,000 $ 290,000 $ 118,000
Washington, Ohio 2 $ 270,000 $ 135,000 $ 80,000
Wood, Ohio 2 $ 410,000 $ 205,000 $ 107,000
Mayes, Oklahoma 2 $ 70,000 $ 35,000 $ 80,000
Nowata, Oklahoma 2 $ 160,000 $ 80,000 $ 137,000
Rogers, Oklahoma 2 $ 680,000 $ 340,000 $ 176,000
Clackamas, Oregon 2 $ 340,000 $ 170,000 $ 120,000
Washington, Oregon 2 $ 100,000 $ 50,000 $ 72,000
Berks, Pennsylvania 2 $ 270,000 $ 135,000 $ 111,000
Lancaster, Pennsylvania 2 $ 750,000 $ 375,000 $ 116,000
Philadelphia, Pennsylvania 2 $ 560,000 $ 280,000 $ 115,000
Wayne, Pennsylvania 2 $ 280,000 $ 140,000 $ 78,000
York, Pennsylvania 2 $ 100,000 $ 50,000 $ 171,000
Aiken, South Carolina 2 $ 190,000 $ 95,000 $ 102,000
Dorchester, South Carolina 2 $ 440,000 $ 220,000 $ 83,000
Lexington, South Carolina 2 $ 540,000 $ 270,000 $ 97,000
Richland, South Carolina 2 $ 250,000 $ 125,000 $ 114,000
Charles Mix, South Dakota 2 $ 620,000 $ 310,000 $ 94,000
Crockett, Tennessee 2 $ 330,000 $ 165,000 $ 97,000
Loudon, Tennessee 2 $ 170,000 $ 85,000 $ 38,000
Maury, Tennessee 2 $ 300,000 $ 150,000 $ 196,000
Montgomery, Tennessee 2 $ 390,000 $ 195,000 $ 75,000
Rutherford, Tennessee 2 $ 380,000 $ 190,000 $ 85,000
Tipton, Tennessee 2 $ 260,000 $ 130,000 $ 91,000
Union, Tennessee 2 $ 1,550,000 $ 775,000 $ 278,000
Weakley, Tennessee 2 $ 260,000 $ 130,000 $ 221,000
Wilson, Tennessee 2 $ 660,000 $ 330,000 $ 163,000
Bell, Texas 2 $ 170,000 $ 85,000 $ 161,000
Cooke, Texas 2 $ 280,000 $ 140,000 $ 117,000
Ellis, Texas 2 $ 250,000 $ 125,000 $ 51,000
Hale, Texas 2 $ 180,000 $ 90,000 $ 105,000
Hunt, Texas 2 $ 310,000 $ 155,000 $ 268,000
McLennan, Texas 2 $ 590,000 $ 295,000 $ 211,000
Smith, Texas 2 $ 260,000 $ 130,000 $ 93,000
Webb, Texas 2 $ 350,000 $ 175,000 $ 68,000
Williamson, Texas 2 $ 830,000 $ 415,000 $ 135,000
Utah, Utah 2 $ 470,000 $ 235,000 $ 120,000
Fairfax, Virginia 2 $ 580,000 $ 290,000 $ 183,000
King William, Virginia 2 $ 580,000 $ 290,000 $ 94,000
Loudoun, Virginia 2 $ 690,000 $ 345,000 $ 154,000
New Kent, Virginia 2 $ 340,000 $ 170,000 $ 170,000
Prince William, Virginia 2 $ 1,250,000 $ 625,000 $ 154,000
Stafford, Virginia 2 $ 400,000 $ 200,000 $ 96,000
Pierce, Washington 2 $ 800,000 $ 400,000 $ 156,000
Cabell, West Virginia 2 $ 450,000 $ 225,000 $ 118,000
Wood, West Virginia 2 $ 280,000 $ 140,000 $ 86,000
Columbia, Wisconsin 2 $ 410,000 $ 205,000 $ 107,000
Crawford, Wisconsin 2 $ 330,000 $ 165,000 $ 124,000
Kenosha, Wisconsin 2 $ 630,000 $ 315,000 $ 39,000
Sauk, Wisconsin 2 $ 210,000 $ 105,000 $ 82,000
Sheboygan, Wisconsin 2 $ 180,000 $ 90,000 $ 95,000
St. Croix, Wisconsin 2 $ 610,000 $ 305,000 $ 173,000
Walworth, Wisconsin 2 $ 200,000 $ 100,000 $ 59,000
Crenshaw, Alabama 1 $ 35,000 $ 35,000 $ 641,000
Houston, Alabama 1 $ 145,000 $ 145,000 $ 70,000
Shelby, Alabama 1 $ 255,000 $ 255,000 $ 90,000
Coconino, Arizona 1 $ 415,000 $ 415,000 $ 126,000
Ashley, Arkansas 1 $ 45,000 $ 45,000 $ 125,000
Desha, Arkansas 1 $ 115,000 $ 115,000 $ 63,000
Drew, Arkansas 1 $ 65,000 $ 65,000 $ 52,000
Franklin, Arkansas 1 $ 195,000 $ 195,000 $ 25,000
Fulton, Arkansas 1 $ 505,000 $ 505,000 $ 210,000
Independence, Arkansas 1 $ 55,000 $ 55,000 $ 48,000
St. Francis, Arkansas 1 $ 35,000 $ 35,000 $ 93,000
Washington, Arkansas 1 $ 175,000 $ 175,000 $ 85,000
White, Arkansas 1 $ 75,000 $ 75,000 $ 0
Colusa, California 1 $ 205,000 $ 205,000 $ 40,000
Kern, California 1 $ 365,000 $ 365,000 $ 161,000
Kings, California 1 $ 55,000 $ 55,000 $ 109,000
Santa Barbara, California 1 $ 515,000 $ 515,000 $ 320,000
Santa Clara, California 1 $ 855,000 $ 855,000 $ 190,000
Santa Cruz, California 1 $ 575,000 $ 575,000 $ 175,000
Sonoma, California 1 $ 255,000 $ 255,000 $ 54,000
Boulder, Colorado 1 $ 345,000 $ 345,000 $ 173,000
Cheyenne, Colorado 1 $ 165,000 $ 165,000 $ 54,000
Eagle, Colorado 1 $ 465,000 $ 465,000 $ 95,000
Fremont, Colorado 1 $ 155,000 $ 155,000 $ 105,000
Grand, Colorado 1 $ 405,000 $ 405,000 $ 168,000
Jefferson, Colorado 1 $ 145,000 $ 145,000 $ 124,000
Prowers, Colorado 1 $ 275,000 $ 275,000 $ 77,000
Routt, Colorado 1 $ 105,000 $ 105,000 $ 190,000
Summit, Colorado 1 $ 255,000 $ 255,000 $ 87,000
New London, Connecticut 1 $ 205,000 $ 205,000 $ 113,000
Kent, Delaware 1 $ 175,000 $ 175,000 $ 125,000
New Castle, Delaware 1 $ 55,000 $ 55,000 $ 95,000
Alachua, Florida 1 $ 205,000 $ 205,000 $ 81,000
Hardee, Florida 1 $ 25,000 $ 25,000 $ 85,000
Martin, Florida 1 $ 95,000 $ 95,000 $ 92,000
Sumter, Florida 1 $ 385,000 $ 385,000 $ 145,000
Volusia, Florida 1 $ 455,000 $ 455,000 $ 195,000
Bartow, Georgia 1 $ 315,000 $ 315,000 $ 154,000
Bibb, Georgia 1 $ 205,000 $ 205,000 $ 86,000
Bulloch, Georgia 1 $ 225,000 $ 225,000 $ 82,000
Carroll, Georgia 1 $ 155,000 $ 155,000 $ 72,000
Cherokee, Georgia 1 $ 205,000 $ 205,000 $ 107,000
Colquitt, Georgia 1 $ 205,000 $ 205,000 $ 46,000
Coweta, Georgia 1 $ 235,000 $ 235,000 $ 79,000
Dawson, Georgia 1 $ 55,000 $ 55,000 $ 58,000
Early, Georgia 1 $ 65,000 $ 65,000 $ 50,000
Fayette, Georgia 1 $ 95,000 $ 95,000 $ 215,000
Floyd, Georgia 1 $ 105,000 $ 105,000 $ 0
Grady, Georgia 1 $ 65,000 $ 65,000 $ 16,000
Greene, Georgia 1 $ 25,000 $ 25,000 $ 60,000
Haralson, Georgia 1 $ 275,000 $ 275,000 $ 103,000
Laurens, Georgia 1 $ 195,000 $ 195,000 $ 74,000
Monroe, Georgia 1 $ 85,000 $ 85,000 $ 106,000
Pike, Georgia 1 $ 175,000 $ 175,000 $ 114,000
Seminole, Georgia 1 $ 145,000 $ 145,000 $ 7,000
Spalding, Georgia 1 $ 115,000 $ 115,000 $ 48,000
Thomas, Georgia 1 $ 245,000 $ 245,000 $ 70,000
Walker, Georgia 1 $ 15,000 $ 15,000 $ 60,000
Bannock, Idaho 1 $ 305,000 $ 305,000 $ 182,000
Canyon, Idaho 1 $ 275,000 $ 275,000 $ 103,000
Madison, Idaho 1 $ 155,000 $ 155,000 $ 103,000
Twin Falls, Idaho 1 $ 395,000 $ 395,000 $ 125,000
Effingham, Illinois 1 $ 45,000 $ 45,000 $ 140,000
Fulton, Illinois 1 $ 225,000 $ 225,000 $ 110,000
Lee, Illinois 1 $ 295,000 $ 295,000 $ 89,000
Macoupin, Illinois 1 $ 35,000 $ 35,000 $ 118,000
Madison, Illinois 1 $ 95,000 $ 95,000 $ 36,000
McDonough, Illinois 1 $ 135,000 $ 135,000 $ 91,000
Morgan, Illinois 1 $ 75,000 $ 75,000 $ 101,000
Sangamon, Illinois 1 $ 205,000 $ 205,000 $ 207,000
Shelby, Illinois 1 $ 205,000 $ 205,000 $ 59,000
Warren, Illinois 1 $ 225,000 $ 225,000 $ 211,000
Woodford, Illinois 1 $ 195,000 $ 195,000 $ 169,000
Gibson, Indiana 1 $ 325,000 $ 325,000 $ 137,000
Hendricks, Indiana 1 $ 165,000 $ 165,000 $ 150,000
Lake, Indiana 1 $ 215,000 $ 215,000 $ 182,000
Morgan, Indiana 1 $ 105,000 $ 105,000 $ 177,000
Newton, Indiana 1 $ 225,000 $ 225,000 $ 96,000
Owen, Indiana 1 $ 255,000 $ 255,000 $ 113,000
Parke, Indiana 1 $ 155,000 $ 155,000 $ 83,000
Porter, Indiana 1 $ 525,000 $ 525,000 $ 270,000
Tippecanoe, Indiana 1 $ 135,000 $ 135,000 $ 95,000
Vanderburgh, Indiana 1 $ 175,000 $ 175,000 $ 60,000
Warrick, Indiana 1 $ 15,000 $ 15,000 $ 84,000
Allamakee, Iowa 1 $ 95,000 $ 95,000 $ 28,000
Appanoose, Iowa 1 $ 225,000 $ 225,000 $ 44,000
Clarke, Iowa 1 $ 175,000 $ 175,000 $ 56,000
Decatur, Iowa 1 $ 55,000 $ 55,000 $ 58,000
Hamilton, Iowa 1 $ 135,000 $ 135,000 $ 78,000
Humboldt, Iowa 1 $ 195,000 $ 195,000 $ 65,000
Lucas, Iowa 1 $ 35,000 $ 35,000 $ 43,000
Lyon, Iowa 1 $ 75,000 $ 75,000 $ 37,000
Pottawattamie, Iowa 1 $ 75,000 $ 75,000 $ 162,000
Union, Iowa 1 $ 185,000 $ 185,000 $ 322,000
Winneshiek, Iowa 1 $ 15,000 $ 15,000 $ 86,000
Anderson, Kansas 1 $ 105,000 $ 105,000 $ 94,000
Brown, Kansas 1 $ 245,000 $ 245,000 $ 235,000
Crawford, Kansas 1 $ 105,000 $ 105,000 $ 62,000
Decatur, Kansas 1 $ 45,000 $ 45,000 $ 154,000
Ford, Kansas 1 $ 155,000 $ 155,000 $ 70,000
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Mortgage Loan Application Detail Totals for Empeople Credit Union in 2020

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
Refinancing 1,938 $357,370,000 $184,000 $905,000 $140,000 $4,344,000
Home Purchase 1,318 $280,720,000 $212,000 $785,000 $112,000 $2,640,000
Cash-out Refinancing 924 $193,510,000 $209,000 $1,405,000 $139,000 $4,416,000
Other Purpose 346 $21,380,000 $61,000 $305,000 $116,000 $641,000
Home Improvement 267 $16,755,000 $62,000 $605,000 $119,000 $325,000
Not Applicable 0 $0 $0 $0 $0 $0

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 3,327 $623,515,000 $187,000 $1,405,000 $125,000 $4,416,000
Not Provided 1,103 $171,915,000 $155,000 $805,000 $145,000 $3,720,000
Hispanic 126 $24,240,000 $192,000 $755,000 $106,000 $666,000
Asian 104 $27,830,000 $267,000 $855,000 $140,000 $398,000
Black or African American 98 $17,280,000 $176,000 $615,000 $97,000 $358,000
American Indian or Alaskan Native 24 $4,030,000 $167,000 $385,000 $146,000 $1,208,000
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) 4,793 $869,735,000 $181,000 $1,405,000 $129,000 $4,416,000
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 2,831 $496,895,000 $175,000 $905,000 $119,000 $1,002,000
Application Withdrawn By Applicant 943 $199,495,000 $211,000 $1,405,000 $174,000 $4,416,000
Application Denied By Financial Institution 500 $66,760,000 $133,000 $905,000 $95,000 $1,802,000
File Closed For Incompleteness 465 $94,155,000 $202,000 $855,000 $125,000 $1,224,000
Application Approved But Not Accepted 54 $12,430,000 $230,000 $765,000 $120,000 $337,000
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 4,293 $802,975,000 $187,000 $1,405,000 $132,000 $4,416,000
Credit History 205 $26,135,000 $127,000 $435,000 $97,000 $1,208,000
Debt-To-Income Ratio 129 $17,795,000 $137,000 $695,000 $74,000 $228,000
Other 51 $8,055,000 $157,000 $905,000 $107,000 $342,000
Collateral 37 $4,365,000 $117,000 $485,000 $107,000 $229,000
Credit Application Incomplete 30 $2,310,000 $77,000 $255,000 $118,000 $420,000
Unverifiable Information 24 $5,040,000 $210,000 $455,000 $189,000 $1,802,000
Insufficient Cash (Downpayment, Closing Cost) 19 $2,495,000 $131,000 $265,000 $69,000 $118,000
Employment History 3 $275,000 $91,000 $135,000 $38,000 $99,000
Mortgage Insurance Denied 2 $290,000 $145,000 $155,000 $84,000 $85,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Empeople Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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