Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Empeople Credit Union 2021 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 4,455
Total Mortgage Loan Application Amount $824,745,000
Average Mortgage Loan Application Amount $148,800
Highest Mortgage Loan Application Amount $18,875,000
Average Applicant Income $120,200
Highest Applicant Income $3,084,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.

Mortgage Loan Application Totals for Empeople Credit Union by County in 2021

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 461 $ 91,065,000 $ 197,000 $ 136,000
Rock Island County Illinois 326 $ 35,660,000 $ 109,000 $ 97,000
Polk County Iowa 273 $ 55,575,000 $ 203,000 $ 133,000
Black Hawk County Iowa 196 $ 28,030,000 $ 143,000 $ 96,000
Cumberland County Maine 148 $ 34,210,000 $ 231,000 $ 114,000
Henry County Illinois 114 $ 14,940,000 $ 131,000 $ 112,000
Dubuque County Iowa 98 $ 15,650,000 $ 159,000 $ 119,000
Dallas County Iowa 91 $ 22,855,000 $ 251,000 $ 147,000
Johnson County Kansas 86 $ 21,270,000 $ 247,000 $ 144,000
Wake County North Carolina 74 $ 17,710,000 $ 239,000 $ 141,000
Dodge County Wisconsin 71 $ 8,745,000 $ 123,000 $ 92,000
Cass County North Dakota 66 $ 12,110,000 $ 183,000 $ 155,000
Columbia County Georgia 59 $ 11,155,000 $ 189,000 $ 117,000
York County Maine 51 $ 11,225,000 $ 220,000 $ 113,000
Wapello County Iowa 47 $ 5,315,000 $ 113,000 $ 100,000
Bremer County Iowa 46 $ 6,170,000 $ 134,000 $ 97,000
Penobscot County Maine 37 $ 6,185,000 $ 167,000 $ 86,000
Mercer County Illinois 33 $ 4,195,000 $ 127,000 $ 93,000
Maricopa County Arizona 32 $ 8,500,000 $ 265,000 $ 141,000
Buchanan County Iowa 30 $ 3,280,000 $ 109,000 $ 93,000
Clinton County Iowa 24 $ 3,680,000 $ 153,000 $ 104,000
Forsyth County North Carolina 23 $ 3,415,000 $ 148,000 $ 99,000
Greene County Missouri 22 $ 2,160,000 $ 98,000 $ 86,000
Christian County Missouri 21 $ 3,745,000 $ 178,000 $ 115,000
Montgomery County Kansas 20 $ 2,210,000 $ 110,000 $ 79,000
Lafourche County Louisiana 19 $ 3,315,000 $ 174,000 $ 136,000
Richmond County Georgia 18 $ 2,300,000 $ 127,000 $ 95,000
Greenville County South Carolina 18 $ 2,690,000 $ 149,000 $ 85,000
Grundy County Iowa 17 $ 2,025,000 $ 119,000 $ 118,000
Lee County Florida 16 $ 3,970,000 $ 248,000 $ 145,000
Butler County Iowa 16 $ 3,680,000 $ 230,000 $ 110,000
Jasper County Iowa 16 $ 2,030,000 $ 126,000 $ 171,000
Guilford County North Carolina 16 $ 3,110,000 $ 194,000 $ 183,000
Whiteside County Illinois 15 $ 1,765,000 $ 117,000 $ 103,000
Barnes County North Dakota 14 $ 2,410,000 $ 172,000 $ 147,000
Grant County Wisconsin 14 $ 2,210,000 $ 157,000 $ 98,000
Waukesha County Wisconsin 14 $ 4,510,000 $ 322,000 $ 222,000
Pinal County Arizona 13 $ 3,175,000 $ 244,000 $ 134,000
Jo Daviess County Illinois 13 $ 2,375,000 $ 182,000 $ 133,000
Johnston County North Carolina 13 $ 2,025,000 $ 155,000 $ 92,000
Orange County California 12 $ 4,980,000 $ 415,000 $ 189,000
Will County Illinois 12 $ 1,710,000 $ 142,000 $ 115,000
Story County Iowa 12 $ 2,420,000 $ 201,000 $ 119,000
Warren County Iowa 12 $ 2,830,000 $ 235,000 $ 149,000
Davidson County North Carolina 12 $ 1,200,000 $ 100,000 $ 73,000
Harnett County North Carolina 12 $ 1,670,000 $ 139,000 $ 101,000
Greene County Tennessee 12 $ 1,790,000 $ 149,000 $ 260,000
Fond du Lac County Wisconsin 12 $ 2,110,000 $ 175,000 $ 132,000
Broward County Florida 11 $ 2,145,000 $ 195,000 $ 204,000
Palm Beach County Florida 11 $ 2,435,000 $ 221,000 $ 150,000
Davis County Iowa 11 $ 1,625,000 $ 147,000 $ 79,000
Wright County Iowa 11 $ 1,195,000 $ 108,000 $ 206,000
Androscoggin County Maine 11 $ 1,565,000 $ 142,000 $ 59,000
Clay County Minnesota 11 $ 1,905,000 $ 173,000 $ 105,000
Douglas County Nebraska 11 $ 1,905,000 $ 173,000 $ 108,000
Harris County Texas 11 $ 1,745,000 $ 158,000 $ 107,000
Dane County Wisconsin 11 $ 2,505,000 $ 227,000 $ 109,000
Knox County Illinois 10 $ 1,760,000 $ 176,000 $ 184,000
Marion County Iowa 10 $ 1,330,000 $ 133,000 $ 87,000
Clark County Nevada 10 $ 2,450,000 $ 245,000 $ 122,000
Riverside County California 9 $ 1,855,000 $ 206,000 $ 94,000
Cook County Illinois 9 $ 1,575,000 $ 175,000 $ 114,000
Jefferson County Colorado 8 $ 2,120,000 $ 265,000 $ 222,000
Collier County Florida 8 $ 2,170,000 $ 271,000 $ 188,000
Hillsborough County Florida 8 $ 2,040,000 $ 255,000 $ 139,000
Orange County Florida 8 $ 1,450,000 $ 181,000 $ 153,000
Boone County Iowa 8 $ 19,870,000 $ 2,483,000 $ 107,000
Greene County Iowa 8 $ 560,000 $ 70,000 $ 81,000
Jackson County Iowa 8 $ 1,150,000 $ 143,000 $ 135,000
Tama County Iowa 8 $ 610,000 $ 76,000 $ 60,000
Webster County Iowa 8 $ 690,000 $ 86,000 $ 68,000
Hennepin County Minnesota 8 $ 3,020,000 $ 377,000 $ 165,000
Cheyenne County Nebraska 8 $ 900,000 $ 112,000 $ 68,000
Franklin County Ohio 8 $ 1,420,000 $ 177,000 $ 122,000
Spartanburg County South Carolina 8 $ 1,120,000 $ 140,000 $ 56,000
Washington County Tennessee 8 $ 1,880,000 $ 235,000 $ 102,000
Washington County Wisconsin 8 $ 1,790,000 $ 223,000 $ 119,000
Baldwin County Alabama 7 $ 1,485,000 $ 212,000 $ 95,000
Adams County Colorado 7 $ 2,525,000 $ 360,000 $ 192,000
Chickasaw County Iowa 7 $ 795,000 $ 113,000 $ 83,000
Johnson County Iowa 7 $ 1,635,000 $ 233,000 $ 120,000
Madison County Iowa 7 $ 835,000 $ 119,000 $ 81,000
Mahaska County Iowa 7 $ 785,000 $ 112,000 $ 100,000
Marshall County Iowa 7 $ 845,000 $ 120,000 $ 123,000
Sedgwick County Kansas 7 $ 1,195,000 $ 170,000 $ 130,000
Kennebec County Maine 7 $ 1,245,000 $ 177,000 $ 89,000
Webster County Missouri 7 $ 1,055,000 $ 150,000 $ 70,000
Stokes County North Carolina 7 $ 655,000 $ 93,000 $ 89,000
Nowata County Oklahoma 7 $ 915,000 $ 130,000 $ 109,000
Collin County Texas 7 $ 1,925,000 $ 275,000 $ 79,000
Mobile County Alabama 6 $ 1,640,000 $ 273,000 $ 74,000
Yuma County Arizona 6 $ 900,000 $ 150,000 $ 89,000
Imperial County California 6 $ 1,340,000 $ 223,000 $ 128,000
Weld County Colorado 6 $ 1,410,000 $ 235,000 $ 96,000
Pasco County Florida 6 $ 930,000 $ 155,000 $ 84,000
Volusia County Florida 6 $ 990,000 $ 165,000 $ 112,000
Forsyth County Georgia 6 $ 1,640,000 $ 273,000 $ 151,000
Fulton County Georgia 6 $ 2,730,000 $ 455,000 $ 200,000
DuPage County Illinois 6 $ 1,940,000 $ 323,000 $ 406,000
Kane County Illinois 6 $ 900,000 $ 150,000 $ 95,000
Benton County Iowa 6 $ 1,000,000 $ 166,000 $ 96,000
Fayette County Iowa 6 $ 530,000 $ 88,000 $ 65,000
St. Louis County Missouri 6 $ 1,040,000 $ 173,000 $ 144,000
Denton County Texas 6 $ 1,400,000 $ 233,000 $ 155,000
Montgomery County Texas 6 $ 2,950,000 $ 491,000 $ 230,000
Lee County Alabama 5 $ 655,000 $ 131,000 $ 113,000
Shelby County Alabama 5 $ 945,000 $ 189,000 $ 141,000
Garland County Arkansas 5 $ 495,000 $ 99,000 $ 74,000
Pinellas County Florida 5 $ 2,835,000 $ 567,000 $ 221,000
Lake County Illinois 5 $ 1,225,000 $ 245,000 $ 192,000
Clayton County Iowa 5 $ 385,000 $ 77,000 $ 83,000
Hamilton County Iowa 5 $ 585,000 $ 117,000 $ 77,000
Jefferson County Iowa 5 $ 395,000 $ 79,000 $ 78,000
Keokuk County Iowa 5 $ 355,000 $ 71,000 $ 116,000
Linn County Iowa 5 $ 745,000 $ 149,000 $ 102,000
Leavenworth County Kansas 5 $ 985,000 $ 197,000 $ 158,000
Carver County Minnesota 5 $ 1,425,000 $ 285,000 $ 143,000
Scott County Minnesota 5 $ 1,275,000 $ 255,000 $ 156,000
Clay County Missouri 5 $ 735,000 $ 147,000 $ 114,000
Lancaster County Nebraska 5 $ 1,185,000 $ 237,000 $ 448,000
Scotts Bluff County Nebraska 5 $ 1,085,000 $ 217,000 $ 170,000
Cabarrus County North Carolina 5 $ 675,000 $ 135,000 $ 112,000
Chatham County North Carolina 5 $ 2,185,000 $ 437,000 $ 168,000
Mecklenburg County North Carolina 5 $ 1,165,000 $ 233,000 $ 102,000
Hamilton County Ohio 5 $ 885,000 $ 177,000 $ 137,000
Wood County Ohio 5 $ 895,000 $ 179,000 $ 155,000
Cimarron County Oklahoma 5 $ 685,000 $ 137,000 $ 77,000
Multnomah County Oregon 5 $ 1,895,000 $ 379,000 $ 103,000
Aiken County South Carolina 5 $ 765,000 $ 153,000 $ 66,000
Crockett County Tennessee 5 $ 695,000 $ 139,000 $ 96,000
Bexar County Texas 5 $ 1,425,000 $ 285,000 $ 135,000
Lubbock County Texas 5 $ 795,000 $ 159,000 $ 89,000
Clark County Washington 5 $ 1,475,000 $ 295,000 $ 119,000
Sauk County Wisconsin 5 $ 785,000 $ 157,000 $ 73,000
Tuscaloosa County Alabama 4 $ 640,000 $ 160,000 $ 64,000
Greene County Arkansas 4 $ 440,000 $ 110,000 $ 112,000
Alameda County California 4 $ 2,300,000 $ 575,000 $ 223,000
Los Angeles County California 4 $ 2,070,000 $ 517,000 $ 194,000
San Bernardino County California 4 $ 1,190,000 $ 297,000 $ 154,000
Eagle County Colorado 4 $ 2,170,000 $ 542,000 $ 334,000
Larimer County Colorado 4 $ 830,000 $ 207,000 $ 164,000
Routt County Colorado 4 $ 1,670,000 $ 417,000 $ 189,000
Manatee County Florida 4 $ 960,000 $ 240,000 $ 178,000
Osceola County Florida 4 $ 610,000 $ 152,000 $ 121,000
St. Lucie County Florida 4 $ 730,000 $ 182,000 $ 146,000
Bureau County Illinois 4 $ 300,000 $ 75,000 $ 136,000
DeKalb County Illinois 4 $ 730,000 $ 182,000 $ 123,000
Fulton County Illinois 4 $ 230,000 $ 57,000 $ 53,000
Warren County Illinois 4 $ 350,000 $ 87,000 $ 63,000
Winnebago County Illinois 4 $ 650,000 $ 162,000 $ 82,000
Hancock County Iowa 4 $ 540,000 $ 135,000 $ 89,000
Jones County Iowa 4 $ 780,000 $ 195,000 $ 473,000
Mills County Iowa 4 $ 540,000 $ 135,000 $ 84,000
Muscatine County Iowa 4 $ 560,000 $ 140,000 $ 103,000
Finney County Kansas 4 $ 410,000 $ 102,000 $ 82,000
Wyandotte County Kansas 4 $ 720,000 $ 180,000 $ 100,000
Jefferson County Kentucky 4 $ 970,000 $ 242,000 $ 219,000
Piscataquis County Maine 4 $ 710,000 $ 177,000 $ 113,000
Sagadahoc County Maine 4 $ 610,000 $ 152,000 $ 97,000
Worcester County Massachusetts 4 $ 1,080,000 $ 270,000 $ 105,000
Dakota County Minnesota 4 $ 740,000 $ 185,000 $ 121,000
Washington County Minnesota 4 $ 530,000 $ 132,000 $ 140,000
DeSoto County Mississippi 4 $ 460,000 $ 115,000 $ 105,000
Dallas County Missouri 4 $ 420,000 $ 105,000 $ 63,000
Randolph County North Carolina 4 $ 290,000 $ 72,000 $ 74,000
Surry County North Carolina 4 $ 250,000 $ 62,000 $ 108,000
Stutsman County North Dakota 4 $ 660,000 $ 165,000 $ 131,000
Delaware County Ohio 4 $ 1,280,000 $ 320,000 $ 198,000
York County South Carolina 4 $ 800,000 $ 200,000 $ 107,000
Gibson County Tennessee 4 $ 280,000 $ 70,000 $ 38,000
Knox County Tennessee 4 $ 1,020,000 $ 255,000 $ 140,000
King County Washington 4 $ 1,380,000 $ 345,000 $ 153,000
Kittitas County Washington 4 $ 900,000 $ 225,000 $ 156,000
Oneida County Wisconsin 4 $ 1,180,000 $ 295,000 $ 127,000
Rock County Wisconsin 4 $ 700,000 $ 175,000 $ 83,000
Pima County Arizona 3 $ 535,000 $ 178,000 $ 80,000
Yavapai County Arizona 3 $ 665,000 $ 221,000 $ 78,000
Benton County Arkansas 3 $ 515,000 $ 171,000 $ 116,000
Boone County Arkansas 3 $ 515,000 $ 171,000 $ 64,000
Clay County Arkansas 3 $ 205,000 $ 68,000 $ 58,000
Lawrence County Arkansas 3 $ 335,000 $ 111,000 $ 48,000
Saline County Arkansas 3 $ 195,000 $ 65,000 $ 127,000
Fresno County California 3 $ 725,000 $ 241,000 $ 133,000
San Diego County California 3 $ 805,000 $ 268,000 $ 134,000
San Joaquin County California 3 $ 245,000 $ 81,000 $ 118,000
Stanislaus County California 3 $ 535,000 $ 178,000 $ 124,000
Arapahoe County Colorado 3 $ 395,000 $ 131,000 $ 78,000
Brevard County Florida 3 $ 285,000 $ 95,000 $ 86,000
Miami-Dade County Florida 3 $ 705,000 $ 235,000 $ 127,000
Sarasota County Florida 3 $ 915,000 $ 305,000 $ 122,000
Cobb County Georgia 3 $ 755,000 $ 251,000 $ 142,000
DeKalb County Georgia 3 $ 685,000 $ 228,000 $ 104,000
McDuffie County Georgia 3 $ 575,000 $ 191,000 $ 99,000
Newton County Georgia 3 $ 365,000 $ 121,000 $ 43,000
Champaign County Illinois 3 $ 455,000 $ 151,000 $ 81,000
Hancock County Illinois 3 $ 675,000 $ 225,000 $ 445,000
Mason County Illinois 3 $ 115,000 $ 38,000 $ 84,000
McDonough County Illinois 3 $ 235,000 $ 78,000 $ 54,000
Ogle County Illinois 3 $ 555,000 $ 185,000 $ 179,000
DeKalb County Indiana 3 $ 905,000 $ 301,000 $ 110,000
Fulton County Indiana 3 $ 1,285,000 $ 428,000 $ 228,000
Cedar County Iowa 3 $ 465,000 $ 155,000 $ 69,000
Cerro Gordo County Iowa 3 $ 475,000 $ 158,000 $ 140,000
Clarke County Iowa 3 $ 565,000 $ 188,000 $ 144,000
Guthrie County Iowa 3 $ 295,000 $ 98,000 $ 115,000
Mitchell County Iowa 3 $ 285,000 $ 95,000 $ 44,000
Allen County Kansas 3 $ 235,000 $ 78,000 $ 55,000
Barton County Kansas 3 $ 245,000 $ 81,000 $ 56,000
Franklin County Kansas 3 $ 355,000 $ 118,000 $ 85,000
Labette County Kansas 3 $ 465,000 $ 155,000 $ 105,000
Miami County Kansas 3 $ 565,000 $ 188,000 $ 86,000
Ascension County Louisiana 3 $ 415,000 $ 138,000 $ 124,000
Concordia County Louisiana 3 $ 255,000 $ 85,000 $ 81,000
Natchitoches County Louisiana 3 $ 475,000 $ 158,000 $ 152,000
St. James County Louisiana 3 $ 395,000 $ 131,000 $ 105,000
Terrebonne County Louisiana 3 $ 165,000 $ 55,000 $ 118,000
Oxford County Maine 3 $ 285,000 $ 95,000 $ 83,000
Waldo County Maine 3 $ 645,000 $ 215,000 $ 96,000
Dorchester County Maryland 3 $ 285,000 $ 95,000 $ 108,000
Berrien County Michigan 3 $ 485,000 $ 161,000 $ 137,000
Anoka County Minnesota 3 $ 685,000 $ 228,000 $ 122,000
Becker County Minnesota 3 $ 585,000 $ 195,000 $ 122,000
Otter Tail County Minnesota 3 $ 485,000 $ 161,000 $ 70,000
Wabasha County Minnesota 3 $ 655,000 $ 218,000 $ 101,000
Waseca County Minnesota 3 $ 215,000 $ 71,000 $ 163,000
Rankin County Mississippi 3 $ 555,000 $ 185,000 $ 90,000
Dunklin County Missouri 3 $ 425,000 $ 141,000 $ 113,000
Jackson County Missouri 3 $ 665,000 $ 221,000 $ 132,000
Taney County Missouri 3 $ 915,000 $ 305,000 $ 57,000
Wright County Missouri 3 $ 525,000 $ 175,000 $ 127,000
Box Butte County Nebraska 3 $ 245,000 $ 81,000 $ 61,000
Red Willow County Nebraska 3 $ 545,000 $ 181,000 $ 96,000
Curry County New Mexico 3 $ 465,000 $ 155,000 $ 64,000
Brunswick County North Carolina 3 $ 445,000 $ 148,000 $ 118,000
Granville County North Carolina 3 $ 445,000 $ 148,000 $ 123,000
Williams County North Dakota 3 $ 405,000 $ 135,000 $ 90,000
Paulding County Ohio 3 $ 795,000 $ 265,000 $ 118,000
Van Wert County Ohio 3 $ 175,000 $ 58,000 $ 64,000
Custer County Oklahoma 3 $ 675,000 $ 225,000 $ 83,000
Tulsa County Oklahoma 3 $ 565,000 $ 188,000 $ 64,000
Woods County Oklahoma 3 $ 225,000 $ 75,000 $ 65,000
Allegheny County Pennsylvania 3 $ 665,000 $ 221,000 $ 156,000
Philadelphia County Pennsylvania 3 $ 595,000 $ 198,000 $ 94,000
Beaufort County South Carolina 3 $ 945,000 $ 315,000 $ 106,000
Charleston County South Carolina 3 $ 1,145,000 $ 381,000 $ 224,000
Horry County South Carolina 3 $ 395,000 $ 131,000 $ 514,000
Minnehaha County South Dakota 3 $ 455,000 $ 151,000 $ 83,000
Cumberland County Tennessee 3 $ 525,000 $ 175,000 $ 132,000
Hamblen County Tennessee 3 $ 425,000 $ 141,000 $ 78,000
Rutherford County Tennessee 3 $ 495,000 $ 165,000 $ 101,000
Sumner County Tennessee 3 $ 725,000 $ 241,000 $ 107,000
Williamson County Tennessee 3 $ 1,765,000 $ 588,000 $ 133,000
Ector County Texas 3 $ 955,000 $ 318,000 $ 167,000
Fannin County Texas 3 $ 445,000 $ 148,000 $ 141,000
Fort Bend County Texas 3 $ 665,000 $ 221,000 $ 79,000
Grayson County Texas 3 $ 705,000 $ 235,000 $ 128,000
Parker County Texas 3 $ 1,535,000 $ 511,000 $ 221,000
Tarrant County Texas 3 $ 505,000 $ 168,000 $ 68,000
Windsor County Vermont 3 $ 315,000 $ 105,000 $ 75,000
Franklin County Washington 3 $ 375,000 $ 125,000 $ 74,000
Yakima County Washington 3 $ 655,000 $ 218,000 $ 126,000
Raleigh County West Virginia 3 $ 455,000 $ 151,000 $ 140,000
Calumet County Wisconsin 3 $ 125,000 $ 41,000 $ 98,000
Columbia County Wisconsin 3 $ 425,000 $ 141,000 $ 100,000
Jefferson County Wisconsin 3 $ 725,000 $ 241,000 $ 99,000
Lafayette County Wisconsin 3 $ 305,000 $ 101,000 $ 67,000
Milwaukee County Wisconsin 3 $ 425,000 $ 141,000 $ 90,000
Wood County Wisconsin 3 $ 335,000 $ 111,000 $ 25,000
Fremont County Wyoming 3 $ 585,000 $ 195,000 $ 89,000
Houston County Alabama 2 $ 280,000 $ 140,000 $ 120,000
Craighead County Arkansas 2 $ 320,000 $ 160,000 $ 112,000
Cross County Arkansas 2 $ 140,000 $ 70,000 $ 68,000
Poinsett County Arkansas 2 $ 240,000 $ 120,000 $ 86,000
Washington County Arkansas 2 $ 570,000 $ 285,000 $ 227,000
Yell County Arkansas 2 $ 100,000 $ 50,000 $ 40,000
Kern County California 2 $ 370,000 $ 185,000 $ 100,000
Madera County California 2 $ 580,000 $ 290,000 $ 143,000
Sacramento County California 2 $ 370,000 $ 185,000 $ 123,000
San Francisco County California 2 $ 670,000 $ 335,000 $ 197,000
Ventura County California 2 $ 670,000 $ 335,000 $ 287,000
Yuba County California 2 $ 570,000 $ 285,000 $ 79,000
Denver County Colorado 2 $ 460,000 $ 230,000 $ 142,000
Garfield County Colorado 2 $ 320,000 $ 160,000 $ 68,000
Kit Carson County Colorado 2 $ 280,000 $ 140,000 $ 332,000
Summit County Colorado 2 $ 830,000 $ 415,000 $ 117,000
Litchfield County Connecticut 2 $ 140,000 $ 70,000 $ 62,000
Duval County Florida 2 $ 530,000 $ 265,000 $ 130,000
Marion County Florida 2 $ 230,000 $ 115,000 $ 85,000
Appling County Georgia 2 $ 370,000 $ 185,000 $ 75,000
Chatham County Georgia 2 $ 590,000 $ 295,000 $ 264,000
Colquitt County Georgia 2 $ 260,000 $ 130,000 $ 31,000
Coweta County Georgia 2 $ 440,000 $ 220,000 $ 202,000
Henry County Georgia 2 $ 280,000 $ 140,000 $ 196,000
Ada County Idaho 2 $ 390,000 $ 195,000 $ 93,000
Canyon County Idaho 2 $ 210,000 $ 105,000 $ 61,000
Carroll County Illinois 2 $ 60,000 $ 30,000 $ 54,000
McHenry County Illinois 2 $ 440,000 $ 220,000 $ 108,000
Peoria County Illinois 2 $ 160,000 $ 80,000 $ 102,000
Tazewell County Illinois 2 $ 440,000 $ 220,000 $ 102,000
Allen County Indiana 2 $ 280,000 $ 140,000 $ 92,000
Franklin County Indiana 2 $ 350,000 $ 175,000 $ 139,000
Howard County Indiana 2 $ 280,000 $ 140,000 $ 43,000
Pike County Indiana 2 $ 340,000 $ 170,000 $ 68,000
Des Moines County Iowa 2 $ 210,000 $ 105,000 $ 38,000
Dickinson County Iowa 2 $ 420,000 $ 210,000 $ 144,000
Franklin County Iowa 2 $ 320,000 $ 160,000 $ 87,000
Fremont County Iowa 2 $ 170,000 $ 85,000 $ 139,000
Hardin County Iowa 2 $ 80,000 $ 40,000 $ 94,000
Sioux County Iowa 2 $ 140,000 $ 70,000 $ 102,000
Brown County Kansas 2 $ 280,000 $ 140,000 $ 74,000
Douglas County Kansas 2 $ 320,000 $ 160,000 $ 117,000
Gray County Kansas 2 $ 90,000 $ 45,000 $ 108,000
Pottawatomie County Kansas 2 $ 530,000 $ 265,000 $ 100,000
Graves County Kentucky 2 $ 420,000 $ 210,000 $ 76,000
Muhlenberg County Kentucky 2 $ 240,000 $ 120,000 $ 67,000
Evangeline County Louisiana 2 $ 170,000 $ 85,000 $ 64,000
Lafayette County Louisiana 2 $ 190,000 $ 95,000 $ 103,000
Ouachita County Louisiana 2 $ 280,000 $ 140,000 $ 95,000
Pointe Coupee County Louisiana 2 $ 220,000 $ 110,000 $ 122,000
St. Tammany County Louisiana 2 $ 180,000 $ 90,000 $ 49,000
Vermilion County Louisiana 2 $ 300,000 $ 150,000 $ 55,000
Aroostook County Maine 2 $ 390,000 $ 195,000 $ 95,000
Hancock County Maine 2 $ 630,000 $ 315,000 $ 79,000
Somerset County Maine 2 $ 190,000 $ 95,000 $ 59,000
Queen Anne's County Maryland 2 $ 160,000 $ 80,000 $ 54,000
Talbot County Maryland 2 $ 780,000 $ 390,000 $ 149,000
Middlesex County Massachusetts 2 $ 420,000 $ 210,000 $ 202,000
Plymouth County Massachusetts 2 $ 370,000 $ 185,000 $ 113,000
Allegan County Michigan 2 $ 190,000 $ 95,000 $ 104,000
Gratiot County Michigan 2 $ 190,000 $ 95,000 $ 86,000
Mecosta County Michigan 2 $ 570,000 $ 285,000 $ 98,000
Oakland County Michigan 2 $ 440,000 $ 220,000 $ 127,000
Osceola County Michigan 2 $ 310,000 $ 155,000 $ 72,000
Douglas County Minnesota 2 $ 240,000 $ 120,000 $ 94,000
Lyon County Minnesota 2 $ 380,000 $ 190,000 $ 77,000
Marshall County Minnesota 2 $ 220,000 $ 110,000 $ 54,000
Mower County Minnesota 2 $ 340,000 $ 170,000 $ 71,000
Polk County Minnesota 2 $ 390,000 $ 195,000 $ 112,000
Stearns County Minnesota 2 $ 480,000 $ 240,000 $ 118,000
Wright County Minnesota 2 $ 510,000 $ 255,000 $ 157,000
Hinds County Mississippi 2 $ 260,000 $ 130,000 $ 78,000
Lowndes County Mississippi 2 $ 210,000 $ 105,000 $ 122,000
Pike County Mississippi 2 $ 250,000 $ 125,000 $ 19,000
Adair County Missouri 2 $ 80,000 $ 40,000 $ 252,000
Andrew County Missouri 2 $ 460,000 $ 230,000 $ 83,000
Audrain County Missouri 2 $ 200,000 $ 100,000 $ 69,000
Camden County Missouri 2 $ 550,000 $ 275,000 $ 639,000
Clinton County Missouri 2 $ 620,000 $ 310,000 $ 93,000
Henry County Missouri 2 $ 150,000 $ 75,000 $ 105,000
Jasper County Missouri 2 $ 400,000 $ 200,000 $ 136,000
Laclede County Missouri 2 $ 180,000 $ 90,000 $ 52,000
Lincoln County Missouri 2 $ 870,000 $ 435,000 $ 127,000
New Madrid County Missouri 2 $ 240,000 $ 120,000 $ 131,000
Newton County Missouri 2 $ 220,000 $ 110,000 $ 109,000
Nodaway County Missouri 2 $ 430,000 $ 215,000 $ 102,000
Platte County Missouri 2 $ 680,000 $ 340,000 $ 117,000
Ripley County Missouri 2 $ 410,000 $ 205,000 $ 104,000
Scott County Missouri 2 $ 190,000 $ 95,000 $ 457,000
Gallatin County Montana 2 $ 580,000 $ 290,000 $ 119,000
Dawes County Nebraska 2 $ 250,000 $ 125,000 $ 96,000
Morrill County Nebraska 2 $ 90,000 $ 45,000 $ 111,000
Sarpy County Nebraska 2 $ 80,000 $ 40,000 $ 135,000
Sheridan County Nebraska 2 $ 80,000 $ 40,000 $ 47,000
Cheshire County New Hampshire 2 $ 310,000 $ 155,000 $ 79,000
Hillsborough County New Hampshire 2 $ 340,000 $ 170,000 $ 52,000
Rockingham County New Hampshire 2 $ 80,000 $ 40,000 $ 79,000
Camden County New Jersey 2 $ 190,000 $ 95,000 $ 59,000
Ocean County New Jersey 2 $ 550,000 $ 275,000 $ 89,000
Onondaga County New York 2 $ 490,000 $ 245,000 $ 82,000
Moore County North Carolina 2 $ 750,000 $ 375,000 $ 99,000
New Hanover County North Carolina 2 $ 650,000 $ 325,000 $ 176,000
Onslow County North Carolina 2 $ 1,140,000 $ 570,000 $ 170,000
Pender County North Carolina 2 $ 410,000 $ 205,000 $ 90,000
Rockingham County North Carolina 2 $ 170,000 $ 85,000 $ 106,000
Sampson County North Carolina 2 $ 400,000 $ 200,000 $ 133,000
Union County North Carolina 2 $ 490,000 $ 245,000 $ 94,000
Morton County North Dakota 2 $ 380,000 $ 190,000 $ 126,000
Pembina County North Dakota 2 $ 170,000 $ 85,000 $ 223,000
Richland County North Dakota 2 $ 220,000 $ 110,000 $ 56,000
Fulton County Ohio 2 $ 420,000 $ 210,000 $ 131,000
Henry County Ohio 2 $ 120,000 $ 60,000 $ 74,000
Jefferson County Ohio 2 $ 100,000 $ 50,000 $ 62,000
Shelby County Ohio 2 $ 120,000 $ 60,000 $ 82,000
Le Flore County Oklahoma 2 $ 360,000 $ 180,000 $ 160,000
Oklahoma County Oklahoma 2 $ 220,000 $ 110,000 $ 108,000
Pawnee County Oklahoma 2 $ 270,000 $ 135,000 $ 156,000
Stephens County Oklahoma 2 $ 210,000 $ 105,000 $ 124,000
Clackamas County Oregon 2 $ 880,000 $ 440,000 $ 213,000
Malheur County Oregon 2 $ 190,000 $ 95,000 $ 412,000
Lancaster County Pennsylvania 2 $ 230,000 $ 115,000 $ 141,000
Anderson County South Carolina 2 $ 200,000 $ 100,000 $ 180,000
Dorchester County South Carolina 2 $ 780,000 $ 390,000 $ 132,000
Lancaster County South Carolina 2 $ 410,000 $ 205,000 $ 101,000
Douglas County South Dakota 2 $ 160,000 $ 80,000 $ 99,000
Blount County Tennessee 2 $ 180,000 $ 90,000 $ 93,000
Hamilton County Tennessee 2 $ 730,000 $ 365,000 $ 120,000
Haywood County Tennessee 2 $ 190,000 $ 95,000 $ 121,000
Henry County Tennessee 2 $ 400,000 $ 200,000 $ 182,000
Shelby County Tennessee 2 $ 530,000 $ 265,000 $ 272,000
Tipton County Tennessee 2 $ 280,000 $ 140,000 $ 54,000
Weakley County Tennessee 2 $ 400,000 $ 200,000 $ 111,000
Cooke County Texas 2 $ 240,000 $ 120,000 $ 109,000
Dallas County Texas 2 $ 740,000 $ 370,000 $ 68,000
Ellis County Texas 2 $ 140,000 $ 70,000 $ 104,000
Erath County Texas 2 $ 440,000 $ 220,000 $ 126,000
Hale County Texas 2 $ 60,000 $ 30,000 $ 32,000
Hays County Texas 2 $ 640,000 $ 320,000 $ 129,000
Jones County Texas 2 $ 140,000 $ 70,000 $ 87,000
Kaufman County Texas 2 $ 460,000 $ 230,000 $ 104,000
Lamar County Texas 2 $ 560,000 $ 280,000 $ 53,000
McLennan County Texas 2 $ 690,000 $ 345,000 $ 741,000
Potter County Texas 2 $ 490,000 $ 245,000 $ 123,000
Travis County Texas 2 $ 230,000 $ 115,000 $ 618,000
Washington County Texas 2 $ 1,350,000 $ 675,000 $ 1,559,000
Davis County Utah 2 $ 650,000 $ 325,000 $ 182,000
Salt Lake County Utah 2 $ 290,000 $ 145,000 $ 79,000
Utah County Utah 2 $ 590,000 $ 295,000 $ 95,000
Augusta County Virginia 2 $ 560,000 $ 280,000 $ 173,000
Chesterfield County Virginia 2 $ 420,000 $ 210,000 $ 259,000
Franklin County Virginia 2 $ 1,410,000 $ 705,000 $ 131,000
Isle of Wight County Virginia 2 $ 580,000 $ 290,000 $ 469,000
Nelson County Virginia 2 $ 210,000 $ 105,000 $ 117,000
Lewis County Washington 2 $ 690,000 $ 345,000 $ 175,000
Putnam County West Virginia 2 $ 110,000 $ 55,000 $ 82,000
Webster County West Virginia 2 $ 190,000 $ 95,000 $ 123,000
Brown County Wisconsin 2 $ 370,000 $ 185,000 $ 90,000
Chippewa County Wisconsin 2 $ 420,000 $ 210,000 $ 108,000
Iowa County Wisconsin 2 $ 460,000 $ 230,000 $ 167,000
Racine County Wisconsin 2 $ 410,000 $ 205,000 $ 147,000
Vilas County Wisconsin 2 $ 310,000 $ 155,000 $ 49,000
Madison County Alabama 1 $ 375,000 $ 375,000 $ 0
Mohave County Arizona 1 $ 305,000 $ 305,000 $ 180,000
Arkansas County Arkansas 1 $ 215,000 $ 215,000 $ 89,000
Independence County Arkansas 1 $ 145,000 $ 145,000 $ 73,000
Jackson County Arkansas 1 $ 65,000 $ 65,000 $ 49,000
Lonoke County Arkansas 1 $ 35,000 $ 35,000 $ 50,000
Marion County Arkansas 1 $ 155,000 $ 155,000 $ 59,000
Mississippi County Arkansas 1 $ 245,000 $ 245,000 $ 248,000
Pulaski County Arkansas 1 $ 165,000 $ 165,000 $ 142,000
Randolph County Arkansas 1 $ 135,000 $ 135,000 $ 54,000
Sharp County Arkansas 1 $ 115,000 $ 115,000 $ 52,000
White County Arkansas 1 $ 85,000 $ 85,000 $ 56,000
Woodruff County Arkansas 1 $ 55,000 $ 55,000 $ 55,000
Merced County California 1 $ 35,000 $ 35,000 $ 77,000
Monterey County California 1 $ 105,000 $ 105,000 $ 85,000
San Luis Obispo County California 1 $ 365,000 $ 365,000 $ 83,000
Cheyenne County Colorado 1 $ 35,000 $ 35,000 $ 65,000
Fremont County Colorado 1 $ 365,000 $ 365,000 $ 82,000
Grand County Colorado 1 $ 475,000 $ 475,000 $ 233,000
Phillips County Colorado 1 $ 275,000 $ 275,000 $ 131,000
New Haven County Connecticut 1 $ 825,000 $ 825,000 $ 580,000
New London County Connecticut 1 $ 25,000 $ 25,000 $ 105,000
New Castle County Delaware 1 $ 275,000 $ 275,000 $ 113,000
Bradford County Florida 1 $ 55,000 $ 55,000 $ 130,000
Flagler County Florida 1 $ 205,000 $ 205,000 $ 77,000
Hendry County Florida 1 $ 125,000 $ 125,000 $ 111,000
Hernando County Florida 1 $ 35,000 $ 35,000 $ 161,000
Lake County Florida 1 $ 175,000 $ 175,000 $ 77,000
Martin County Florida 1 $ 275,000 $ 275,000 $ 72,000
Monroe County Florida 1 $ 1,205,000 $ 1,205,000 $ 213,000
Okaloosa County Florida 1 $ 65,000 $ 65,000 $ 90,000
Polk County Florida 1 $ 65,000 $ 65,000 $ 122,000
St. Johns County Florida 1 $ 625,000 $ 625,000 $ 389,000
Burke County Georgia 1 $ 45,000 $ 45,000 $ 43,000
Decatur County Georgia 1 $ 55,000 $ 55,000 $ 62,000
Early County Georgia 1 $ 55,000 $ 55,000 $ 50,000
Fayette County Georgia 1 $ 155,000 $ 155,000 $ 193,000
Greene County Georgia 1 $ 455,000 $ 455,000 $ 334,000
Gwinnett County Georgia 1 $ 305,000 $ 305,000 $ 122,000
Hall County Georgia 1 $ 55,000 $ 55,000 $ 81,000
Hancock County Georgia 1 $ 155,000 $ 155,000 $ 52,000
Haralson County Georgia 1 $ 225,000 $ 225,000 $ 86,000
Irwin County Georgia 1 $ 95,000 $ 95,000 $ 38,000
Jackson County Georgia 1 $ 465,000 $ 465,000 $ 153,000
Jefferson County Georgia 1 $ 145,000 $ 145,000 $ 44,000
Lamar County Georgia 1 $ 35,000 $ 35,000 $ 50,000
Liberty County Georgia 1 $ 75,000 $ 75,000 $ 191,000
Miller County Georgia 1 $ 345,000 $ 345,000 $ 0
Murray County Georgia 1 $ 155,000 $ 155,000 $ 0
Spalding County Georgia 1 $ 445,000 $ 445,000 $ 234,000
Thomas County Georgia 1 $ 105,000 $ 105,000 $ 82,000
Troup County Georgia 1 $ 105,000 $ 105,000 $ 48,000
Walker County Georgia 1 $ 495,000 $ 495,000 $ 133,000
Walton County Georgia 1 $ 85,000 $ 85,000 $ 75,000
White County Georgia 1 $ 195,000 $ 195,000 $ 0
Bingham County Idaho 1 $ 325,000 $ 325,000 $ 69,000
Bonneville County Idaho 1 $ 95,000 $ 95,000 $ 33,000
Payette County Idaho 1 $ 475,000 $ 475,000 $ 236,000
Twin Falls County Idaho 1 $ 65,000 $ 65,000 $ 97,000
Adams County Illinois 1 $ 65,000 $ 65,000 $ 40,000
Clinton County Illinois 1 $ 235,000 $ 235,000 $ 122,000
Douglas County Illinois 1 $ 105,000 $ 105,000 $ 70,000
Kankakee County Illinois 1 $ 455,000 $ 455,000 $ 210,000
Lee County Illinois 1 $ 145,000 $ 145,000 $ 123,000
McLean County Illinois 1 $ 205,000 $ 205,000 $ 120,000
Putnam County Illinois 1 $ 115,000 $ 115,000 $ 120,000
Wayne County Illinois 1 $ 205,000 $ 205,000 $ 140,000
Woodford County Illinois 1 $ 155,000 $ 155,000 $ 69,000
Adams County Indiana 1 $ 55,000 $ 55,000 $ 64,000
Boone County Indiana 1 $ 205,000 $ 205,000 $ 80,000
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Mortgage Loan Application Detail Totals for Empeople Credit Union in 2021

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 1,501 $341,045,000 $227,000 $1,205,000 $124,000 $1,770,000
Refinancing 1,246 $240,700,000 $193,000 $18,875,000 $123,000 $3,084,000
Cash-out Refinancing 1,025 $197,175,000 $192,000 $1,405,000 $119,000 $1,800,000
Other Purpose 371 $26,795,000 $72,000 $605,000 $113,000 $1,159,000
Home Improvement 312 $19,030,000 $60,000 $255,000 $122,000 $858,000
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 3,137 $591,495,000 $188,000 $18,875,000 $120,000 $1,848,000
Not Provided 964 $163,770,000 $169,000 $1,205,000 $124,000 $2,388,000
Hispanic 147 $29,495,000 $200,000 $645,000 $121,000 $972,000
Black or African American 124 $24,720,000 $199,000 $1,235,000 $139,000 $3,084,000
Asian 41 $9,695,000 $236,000 $655,000 $123,000 $265,000
American Indian or Alaskan Native 32 $4,560,000 $142,000 $455,000 $104,000 $324,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $75,000 $75,000
Not applicable 1 $145,000 $145,000 $145,000 $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) 4,455 $824,745,000 $185,000 $18,875,000 $121,000 $3,084,000
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 2,948 $519,120,000 $176,000 $1,405,000 $121,000 $3,084,000
Application Withdrawn By Applicant 820 $189,300,000 $230,000 $18,875,000 $134,000 $2,388,000
Application Denied By Financial Institution 407 $61,765,000 $151,000 $805,000 $107,000 $1,800,000
File Closed For Incompleteness 241 $46,205,000 $191,000 $725,000 $107,000 $1,224,000
Application Approved But Not Accepted 38 $8,210,000 $216,000 $1,005,000 $125,000 $499,000
Loan Purchased By The Institution 1 $145,000 $145,000 $145,000 $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 4,048 $762,980,000 $188,000 $18,875,000 $123,000 $3,084,000
Credit History 181 $26,455,000 $146,000 $545,000 $122,000 $1,800,000
Debt-To-Income Ratio 83 $13,645,000 $164,000 $505,000 $60,000 $170,000
Collateral 51 $7,315,000 $143,000 $805,000 $102,000 $600,000
Credit Application Incomplete 29 $3,325,000 $114,000 $255,000 $97,000 $185,000
Other 29 $4,755,000 $163,000 $415,000 $156,000 $1,165,000
Insufficient Cash (Downpayment, Closing Cost) 17 $2,885,000 $169,000 $405,000 $85,000 $558,000
Unverifiable Information 15 $2,755,000 $183,000 $735,000 $167,000 $1,565,000
Mortgage Insurance Denied 1 $455,000 $455,000 $455,000 $129,000 $129,000
Employment History 1 $175,000 $175,000 $175,000 $72,000 $72,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2021 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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