Empeople Credit Union Mortgage Lending & HMDA Data, 2021

In 2021, Empeople Credit Union of Moline, IL reported 4,455 mortgage applications totaling $824.7 million, down 7% from 2020. The average application was for $185,127, and applicants reported an average income of $121,513. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (934), Des Moines-West Des Moines, IA (402) and Waterloo-Cedar Falls, IA (259) (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 4,455
Total Mortgage Loan Application Amount $824,745,000
Average Mortgage Loan Application Amount $185,127
Highest Mortgage Loan Application Amount $18,875,000
Average Applicant Income $121,513
Highest Applicant Income $3,084,000

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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Scott, Iowa 461 $ 91,065,000 $ 197,537 $ 136,000
Rock Island, Illinois 326 $ 35,660,000 $ 109,386 $ 97,000
Polk, Iowa 273 $ 55,575,000 $ 203,571 $ 133,000
Black Hawk, Iowa 196 $ 28,030,000 $ 143,010 $ 96,000
Cumberland, Maine 148 $ 34,210,000 $ 231,148 $ 114,000
Henry, Illinois 114 $ 14,940,000 $ 131,052 $ 112,000
Dubuque, Iowa 98 $ 15,650,000 $ 159,693 $ 119,000
Dallas, Iowa 91 $ 22,855,000 $ 251,153 $ 147,000
Johnson, Kansas 86 $ 21,270,000 $ 247,325 $ 144,000
Wake, North Carolina 74 $ 17,710,000 $ 239,324 $ 141,000
Dodge, Wisconsin 71 $ 8,745,000 $ 123,169 $ 92,000
Cass, North Dakota 66 $ 12,110,000 $ 183,484 $ 155,000
Columbia, Georgia 59 $ 11,155,000 $ 189,067 $ 117,000
York, Maine 51 $ 11,225,000 $ 220,098 $ 113,000
Wapello, Iowa 47 $ 5,315,000 $ 113,085 $ 100,000
Bremer, Iowa 46 $ 6,170,000 $ 134,130 $ 97,000
Penobscot, Maine 37 $ 6,185,000 $ 167,162 $ 86,000
Mercer, Illinois 33 $ 4,195,000 $ 127,121 $ 93,000
Maricopa, Arizona 32 $ 8,500,000 $ 265,625 $ 141,000
Buchanan, Iowa 30 $ 3,280,000 $ 109,333 $ 93,000
Clinton, Iowa 24 $ 3,680,000 $ 153,333 $ 104,000
Forsyth, North Carolina 23 $ 3,415,000 $ 148,478 $ 99,000
Greene, Missouri 22 $ 2,160,000 $ 98,181 $ 86,000
Christian, Missouri 21 $ 3,745,000 $ 178,333 $ 115,000
Montgomery, Kansas 20 $ 2,210,000 $ 110,500 $ 79,000
Lafourche, Louisiana 19 $ 3,315,000 $ 174,473 $ 136,000
Richmond, Georgia 18 $ 2,300,000 $ 127,777 $ 95,000
Greenville, South Carolina 18 $ 2,690,000 $ 149,444 $ 85,000
Grundy, Iowa 17 $ 2,025,000 $ 119,117 $ 118,000
Lee, Florida 16 $ 3,970,000 $ 248,125 $ 145,000
Butler, Iowa 16 $ 3,680,000 $ 230,000 $ 110,000
Jasper, Iowa 16 $ 2,030,000 $ 126,875 $ 171,000
Guilford, North Carolina 16 $ 3,110,000 $ 194,375 $ 183,000
Whiteside, Illinois 15 $ 1,765,000 $ 117,666 $ 103,000
Barnes, North Dakota 14 $ 2,410,000 $ 172,142 $ 147,000
Grant, Wisconsin 14 $ 2,210,000 $ 157,857 $ 98,000
Waukesha, Wisconsin 14 $ 4,510,000 $ 322,142 $ 222,000
Pinal, Arizona 13 $ 3,175,000 $ 244,230 $ 134,000
Jo Daviess, Illinois 13 $ 2,375,000 $ 182,692 $ 133,000
Johnston, North Carolina 13 $ 2,025,000 $ 155,769 $ 92,000
Orange, California 12 $ 4,980,000 $ 415,000 $ 189,000
Will, Illinois 12 $ 1,710,000 $ 142,500 $ 115,000
Story, Iowa 12 $ 2,420,000 $ 201,666 $ 119,000
Warren, Iowa 12 $ 2,830,000 $ 235,833 $ 149,000
Davidson, North Carolina 12 $ 1,200,000 $ 100,000 $ 73,000
Harnett, North Carolina 12 $ 1,670,000 $ 139,166 $ 101,000
Greene, Tennessee 12 $ 1,790,000 $ 149,166 $ 260,000
Fond du Lac, Wisconsin 12 $ 2,110,000 $ 175,833 $ 132,000
Broward, Florida 11 $ 2,145,000 $ 195,000 $ 204,000
Palm Beach, Florida 11 $ 2,435,000 $ 221,363 $ 150,000
Davis, Iowa 11 $ 1,625,000 $ 147,727 $ 79,000
Wright, Iowa 11 $ 1,195,000 $ 108,636 $ 206,000
Androscoggin, Maine 11 $ 1,565,000 $ 142,272 $ 59,000
Clay, Minnesota 11 $ 1,905,000 $ 173,181 $ 105,000
Douglas, Nebraska 11 $ 1,905,000 $ 173,181 $ 108,000
Harris, Texas 11 $ 1,745,000 $ 158,636 $ 107,000
Dane, Wisconsin 11 $ 2,505,000 $ 227,727 $ 109,000
Knox, Illinois 10 $ 1,760,000 $ 176,000 $ 184,000
Marion, Iowa 10 $ 1,330,000 $ 133,000 $ 87,000
Clark, Nevada 10 $ 2,450,000 $ 245,000 $ 122,000
Riverside, California 9 $ 1,855,000 $ 206,111 $ 94,000
Cook, Illinois 9 $ 1,575,000 $ 175,000 $ 114,000
Jefferson, Colorado 8 $ 2,120,000 $ 265,000 $ 222,000
Collier, Florida 8 $ 2,170,000 $ 271,250 $ 188,000
Hillsborough, Florida 8 $ 2,040,000 $ 255,000 $ 139,000
Orange, Florida 8 $ 1,450,000 $ 181,250 $ 153,000
Boone, Iowa 8 $ 19,870,000 $ 2,483,750 $ 107,000
Greene, Iowa 8 $ 560,000 $ 70,000 $ 81,000
Jackson, Iowa 8 $ 1,150,000 $ 143,750 $ 135,000
Tama, Iowa 8 $ 610,000 $ 76,250 $ 60,000
Webster, Iowa 8 $ 690,000 $ 86,250 $ 68,000
Hennepin, Minnesota 8 $ 3,020,000 $ 377,500 $ 165,000
Cheyenne, Nebraska 8 $ 900,000 $ 112,500 $ 68,000
Franklin, Ohio 8 $ 1,420,000 $ 177,500 $ 122,000
Spartanburg, South Carolina 8 $ 1,120,000 $ 140,000 $ 56,000
Washington, Tennessee 8 $ 1,880,000 $ 235,000 $ 102,000
Washington, Wisconsin 8 $ 1,790,000 $ 223,750 $ 119,000
Baldwin, Alabama 7 $ 1,485,000 $ 212,142 $ 95,000
Adams, Colorado 7 $ 2,525,000 $ 360,714 $ 192,000
Chickasaw, Iowa 7 $ 795,000 $ 113,571 $ 83,000
Johnson, Iowa 7 $ 1,635,000 $ 233,571 $ 120,000
Madison, Iowa 7 $ 835,000 $ 119,285 $ 81,000
Mahaska, Iowa 7 $ 785,000 $ 112,142 $ 100,000
Marshall, Iowa 7 $ 845,000 $ 120,714 $ 123,000
Sedgwick, Kansas 7 $ 1,195,000 $ 170,714 $ 130,000
Kennebec, Maine 7 $ 1,245,000 $ 177,857 $ 89,000
Webster, Missouri 7 $ 1,055,000 $ 150,714 $ 70,000
Stokes, North Carolina 7 $ 655,000 $ 93,571 $ 89,000
Nowata, Oklahoma 7 $ 915,000 $ 130,714 $ 109,000
Collin, Texas 7 $ 1,925,000 $ 275,000 $ 79,000
Mobile, Alabama 6 $ 1,640,000 $ 273,333 $ 74,000
Yuma, Arizona 6 $ 900,000 $ 150,000 $ 89,000
Imperial, California 6 $ 1,340,000 $ 223,333 $ 128,000
Weld, Colorado 6 $ 1,410,000 $ 235,000 $ 96,000
Pasco, Florida 6 $ 930,000 $ 155,000 $ 84,000
Volusia, Florida 6 $ 990,000 $ 165,000 $ 112,000
Forsyth, Georgia 6 $ 1,640,000 $ 273,333 $ 151,000
Fulton, Georgia 6 $ 2,730,000 $ 455,000 $ 200,000
DuPage, Illinois 6 $ 1,940,000 $ 323,333 $ 406,000
Kane, Illinois 6 $ 900,000 $ 150,000 $ 95,000
Benton, Iowa 6 $ 1,000,000 $ 166,666 $ 96,000
Fayette, Iowa 6 $ 530,000 $ 88,333 $ 65,000
St. Louis, Missouri 6 $ 1,040,000 $ 173,333 $ 144,000
Denton, Texas 6 $ 1,400,000 $ 233,333 $ 155,000
Montgomery, Texas 6 $ 2,950,000 $ 491,666 $ 230,000
Lee, Alabama 5 $ 655,000 $ 131,000 $ 113,000
Shelby, Alabama 5 $ 945,000 $ 189,000 $ 141,000
Garland, Arkansas 5 $ 495,000 $ 99,000 $ 74,000
Pinellas, Florida 5 $ 2,835,000 $ 567,000 $ 221,000
Lake, Illinois 5 $ 1,225,000 $ 245,000 $ 192,000
Clayton, Iowa 5 $ 385,000 $ 77,000 $ 83,000
Hamilton, Iowa 5 $ 585,000 $ 117,000 $ 77,000
Jefferson, Iowa 5 $ 395,000 $ 79,000 $ 78,000
Keokuk, Iowa 5 $ 355,000 $ 71,000 $ 116,000
Linn, Iowa 5 $ 745,000 $ 149,000 $ 102,000
Leavenworth, Kansas 5 $ 985,000 $ 197,000 $ 158,000
Carver, Minnesota 5 $ 1,425,000 $ 285,000 $ 143,000
Scott, Minnesota 5 $ 1,275,000 $ 255,000 $ 156,000
Clay, Missouri 5 $ 735,000 $ 147,000 $ 114,000
Lancaster, Nebraska 5 $ 1,185,000 $ 237,000 $ 448,000
Scotts Bluff, Nebraska 5 $ 1,085,000 $ 217,000 $ 170,000
Cabarrus, North Carolina 5 $ 675,000 $ 135,000 $ 112,000
Chatham, North Carolina 5 $ 2,185,000 $ 437,000 $ 168,000
Mecklenburg, North Carolina 5 $ 1,165,000 $ 233,000 $ 102,000
Hamilton, Ohio 5 $ 885,000 $ 177,000 $ 137,000
Wood, Ohio 5 $ 895,000 $ 179,000 $ 155,000
Cimarron, Oklahoma 5 $ 685,000 $ 137,000 $ 77,000
Multnomah, Oregon 5 $ 1,895,000 $ 379,000 $ 103,000
Aiken, South Carolina 5 $ 765,000 $ 153,000 $ 66,000
Crockett, Tennessee 5 $ 695,000 $ 139,000 $ 96,000
Bexar, Texas 5 $ 1,425,000 $ 285,000 $ 135,000
Lubbock, Texas 5 $ 795,000 $ 159,000 $ 89,000
Clark, Washington 5 $ 1,475,000 $ 295,000 $ 119,000
Sauk, Wisconsin 5 $ 785,000 $ 157,000 $ 73,000
Tuscaloosa, Alabama 4 $ 640,000 $ 160,000 $ 64,000
Greene, Arkansas 4 $ 440,000 $ 110,000 $ 112,000
Alameda, California 4 $ 2,300,000 $ 575,000 $ 223,000
Los Angeles, California 4 $ 2,070,000 $ 517,500 $ 194,000
San Bernardino, California 4 $ 1,190,000 $ 297,500 $ 154,000
Eagle, Colorado 4 $ 2,170,000 $ 542,500 $ 334,000
Larimer, Colorado 4 $ 830,000 $ 207,500 $ 164,000
Routt, Colorado 4 $ 1,670,000 $ 417,500 $ 189,000
Manatee, Florida 4 $ 960,000 $ 240,000 $ 178,000
Osceola, Florida 4 $ 610,000 $ 152,500 $ 121,000
St. Lucie, Florida 4 $ 730,000 $ 182,500 $ 146,000
Bureau, Illinois 4 $ 300,000 $ 75,000 $ 136,000
DeKalb, Illinois 4 $ 730,000 $ 182,500 $ 123,000
Fulton, Illinois 4 $ 230,000 $ 57,500 $ 53,000
Warren, Illinois 4 $ 350,000 $ 87,500 $ 63,000
Winnebago, Illinois 4 $ 650,000 $ 162,500 $ 82,000
Hancock, Iowa 4 $ 540,000 $ 135,000 $ 89,000
Jones, Iowa 4 $ 780,000 $ 195,000 $ 473,000
Mills, Iowa 4 $ 540,000 $ 135,000 $ 84,000
Muscatine, Iowa 4 $ 560,000 $ 140,000 $ 103,000
Finney, Kansas 4 $ 410,000 $ 102,500 $ 82,000
Wyandotte, Kansas 4 $ 720,000 $ 180,000 $ 100,000
Jefferson, Kentucky 4 $ 970,000 $ 242,500 $ 219,000
Piscataquis, Maine 4 $ 710,000 $ 177,500 $ 113,000
Sagadahoc, Maine 4 $ 610,000 $ 152,500 $ 97,000
Worcester, Massachusetts 4 $ 1,080,000 $ 270,000 $ 105,000
Dakota, Minnesota 4 $ 740,000 $ 185,000 $ 121,000
Washington, Minnesota 4 $ 530,000 $ 132,500 $ 140,000
DeSoto, Mississippi 4 $ 460,000 $ 115,000 $ 105,000
Dallas, Missouri 4 $ 420,000 $ 105,000 $ 63,000
Randolph, North Carolina 4 $ 290,000 $ 72,500 $ 74,000
Surry, North Carolina 4 $ 250,000 $ 62,500 $ 108,000
Stutsman, North Dakota 4 $ 660,000 $ 165,000 $ 131,000
Delaware, Ohio 4 $ 1,280,000 $ 320,000 $ 198,000
York, South Carolina 4 $ 800,000 $ 200,000 $ 107,000
Gibson, Tennessee 4 $ 280,000 $ 70,000 $ 38,000
Knox, Tennessee 4 $ 1,020,000 $ 255,000 $ 140,000
King, Washington 4 $ 1,380,000 $ 345,000 $ 153,000
Kittitas, Washington 4 $ 900,000 $ 225,000 $ 156,000
Oneida, Wisconsin 4 $ 1,180,000 $ 295,000 $ 127,000
Rock, Wisconsin 4 $ 700,000 $ 175,000 $ 83,000
Pima, Arizona 3 $ 535,000 $ 178,333 $ 80,000
Yavapai, Arizona 3 $ 665,000 $ 221,666 $ 78,000
Benton, Arkansas 3 $ 515,000 $ 171,666 $ 116,000
Boone, Arkansas 3 $ 515,000 $ 171,666 $ 64,000
Clay, Arkansas 3 $ 205,000 $ 68,333 $ 58,000
Lawrence, Arkansas 3 $ 335,000 $ 111,666 $ 48,000
Saline, Arkansas 3 $ 195,000 $ 65,000 $ 127,000
Fresno, California 3 $ 725,000 $ 241,666 $ 133,000
San Diego, California 3 $ 805,000 $ 268,333 $ 134,000
San Joaquin, California 3 $ 245,000 $ 81,666 $ 118,000
Stanislaus, California 3 $ 535,000 $ 178,333 $ 124,000
Arapahoe, Colorado 3 $ 395,000 $ 131,666 $ 78,000
Brevard, Florida 3 $ 285,000 $ 95,000 $ 86,000
Miami-Dade, Florida 3 $ 705,000 $ 235,000 $ 127,000
Sarasota, Florida 3 $ 915,000 $ 305,000 $ 122,000
Cobb, Georgia 3 $ 755,000 $ 251,666 $ 142,000
DeKalb, Georgia 3 $ 685,000 $ 228,333 $ 104,000
McDuffie, Georgia 3 $ 575,000 $ 191,666 $ 99,000
Newton, Georgia 3 $ 365,000 $ 121,666 $ 43,000
Champaign, Illinois 3 $ 455,000 $ 151,666 $ 81,000
Hancock, Illinois 3 $ 675,000 $ 225,000 $ 445,000
Mason, Illinois 3 $ 115,000 $ 38,333 $ 84,000
McDonough, Illinois 3 $ 235,000 $ 78,333 $ 54,000
Ogle, Illinois 3 $ 555,000 $ 185,000 $ 179,000
DeKalb, Indiana 3 $ 905,000 $ 301,666 $ 110,000
Fulton, Indiana 3 $ 1,285,000 $ 428,333 $ 228,000
Cedar, Iowa 3 $ 465,000 $ 155,000 $ 69,000
Cerro Gordo, Iowa 3 $ 475,000 $ 158,333 $ 140,000
Clarke, Iowa 3 $ 565,000 $ 188,333 $ 144,000
Guthrie, Iowa 3 $ 295,000 $ 98,333 $ 115,000
Mitchell, Iowa 3 $ 285,000 $ 95,000 $ 44,000
Allen, Kansas 3 $ 235,000 $ 78,333 $ 55,000
Barton, Kansas 3 $ 245,000 $ 81,666 $ 56,000
Franklin, Kansas 3 $ 355,000 $ 118,333 $ 85,000
Labette, Kansas 3 $ 465,000 $ 155,000 $ 105,000
Miami, Kansas 3 $ 565,000 $ 188,333 $ 86,000
Ascension, Louisiana 3 $ 415,000 $ 138,333 $ 124,000
Concordia, Louisiana 3 $ 255,000 $ 85,000 $ 81,000
Natchitoches, Louisiana 3 $ 475,000 $ 158,333 $ 152,000
St. James, Louisiana 3 $ 395,000 $ 131,666 $ 105,000
Terrebonne, Louisiana 3 $ 165,000 $ 55,000 $ 118,000
Oxford, Maine 3 $ 285,000 $ 95,000 $ 83,000
Waldo, Maine 3 $ 645,000 $ 215,000 $ 96,000
Dorchester, Maryland 3 $ 285,000 $ 95,000 $ 108,000
Berrien, Michigan 3 $ 485,000 $ 161,666 $ 137,000
Anoka, Minnesota 3 $ 685,000 $ 228,333 $ 122,000
Becker, Minnesota 3 $ 585,000 $ 195,000 $ 122,000
Otter Tail, Minnesota 3 $ 485,000 $ 161,666 $ 70,000
Wabasha, Minnesota 3 $ 655,000 $ 218,333 $ 101,000
Waseca, Minnesota 3 $ 215,000 $ 71,666 $ 163,000
Rankin, Mississippi 3 $ 555,000 $ 185,000 $ 90,000
Dunklin, Missouri 3 $ 425,000 $ 141,666 $ 113,000
Jackson, Missouri 3 $ 665,000 $ 221,666 $ 132,000
Taney, Missouri 3 $ 915,000 $ 305,000 $ 57,000
Wright, Missouri 3 $ 525,000 $ 175,000 $ 127,000
Box Butte, Nebraska 3 $ 245,000 $ 81,666 $ 61,000
Red Willow, Nebraska 3 $ 545,000 $ 181,666 $ 96,000
Curry, New Mexico 3 $ 465,000 $ 155,000 $ 64,000
Brunswick, North Carolina 3 $ 445,000 $ 148,333 $ 118,000
Granville, North Carolina 3 $ 445,000 $ 148,333 $ 123,000
Williams, North Dakota 3 $ 405,000 $ 135,000 $ 90,000
Paulding, Ohio 3 $ 795,000 $ 265,000 $ 118,000
Van Wert, Ohio 3 $ 175,000 $ 58,333 $ 64,000
Custer, Oklahoma 3 $ 675,000 $ 225,000 $ 83,000
Tulsa, Oklahoma 3 $ 565,000 $ 188,333 $ 64,000
Woods, Oklahoma 3 $ 225,000 $ 75,000 $ 65,000
Allegheny, Pennsylvania 3 $ 665,000 $ 221,666 $ 156,000
Philadelphia, Pennsylvania 3 $ 595,000 $ 198,333 $ 94,000
Beaufort, South Carolina 3 $ 945,000 $ 315,000 $ 106,000
Charleston, South Carolina 3 $ 1,145,000 $ 381,666 $ 224,000
Horry, South Carolina 3 $ 395,000 $ 131,666 $ 514,000
Minnehaha, South Dakota 3 $ 455,000 $ 151,666 $ 83,000
Cumberland, Tennessee 3 $ 525,000 $ 175,000 $ 132,000
Hamblen, Tennessee 3 $ 425,000 $ 141,666 $ 78,000
Rutherford, Tennessee 3 $ 495,000 $ 165,000 $ 101,000
Sumner, Tennessee 3 $ 725,000 $ 241,666 $ 107,000
Williamson, Tennessee 3 $ 1,765,000 $ 588,333 $ 133,000
Ector, Texas 3 $ 955,000 $ 318,333 $ 167,000
Fannin, Texas 3 $ 445,000 $ 148,333 $ 141,000
Fort Bend, Texas 3 $ 665,000 $ 221,666 $ 79,000
Grayson, Texas 3 $ 705,000 $ 235,000 $ 128,000
Parker, Texas 3 $ 1,535,000 $ 511,666 $ 221,000
Tarrant, Texas 3 $ 505,000 $ 168,333 $ 68,000
Windsor, Vermont 3 $ 315,000 $ 105,000 $ 75,000
Franklin, Washington 3 $ 375,000 $ 125,000 $ 74,000
Yakima, Washington 3 $ 655,000 $ 218,333 $ 126,000
Raleigh, West Virginia 3 $ 455,000 $ 151,666 $ 140,000
Calumet, Wisconsin 3 $ 125,000 $ 41,666 $ 98,000
Columbia, Wisconsin 3 $ 425,000 $ 141,666 $ 100,000
Jefferson, Wisconsin 3 $ 725,000 $ 241,666 $ 99,000
Lafayette, Wisconsin 3 $ 305,000 $ 101,666 $ 67,000
Milwaukee, Wisconsin 3 $ 425,000 $ 141,666 $ 90,000
Wood, Wisconsin 3 $ 335,000 $ 111,666 $ 25,000
Fremont, Wyoming 3 $ 585,000 $ 195,000 $ 89,000
Houston, Alabama 2 $ 280,000 $ 140,000 $ 120,000
Craighead, Arkansas 2 $ 320,000 $ 160,000 $ 112,000
Cross, Arkansas 2 $ 140,000 $ 70,000 $ 68,000
Poinsett, Arkansas 2 $ 240,000 $ 120,000 $ 86,000
Washington, Arkansas 2 $ 570,000 $ 285,000 $ 227,000
Yell, Arkansas 2 $ 100,000 $ 50,000 $ 40,000
Kern, California 2 $ 370,000 $ 185,000 $ 100,000
Madera, California 2 $ 580,000 $ 290,000 $ 143,000
Sacramento, California 2 $ 370,000 $ 185,000 $ 123,000
San Francisco, California 2 $ 670,000 $ 335,000 $ 197,000
Ventura, California 2 $ 670,000 $ 335,000 $ 287,000
Yuba, California 2 $ 570,000 $ 285,000 $ 79,000
Denver, Colorado 2 $ 460,000 $ 230,000 $ 142,000
Garfield, Colorado 2 $ 320,000 $ 160,000 $ 68,000
Kit Carson, Colorado 2 $ 280,000 $ 140,000 $ 332,000
Summit, Colorado 2 $ 830,000 $ 415,000 $ 117,000
Litchfield, Connecticut 2 $ 140,000 $ 70,000 $ 62,000
Duval, Florida 2 $ 530,000 $ 265,000 $ 130,000
Marion, Florida 2 $ 230,000 $ 115,000 $ 85,000
Appling, Georgia 2 $ 370,000 $ 185,000 $ 75,000
Chatham, Georgia 2 $ 590,000 $ 295,000 $ 264,000
Colquitt, Georgia 2 $ 260,000 $ 130,000 $ 31,000
Coweta, Georgia 2 $ 440,000 $ 220,000 $ 202,000
Henry, Georgia 2 $ 280,000 $ 140,000 $ 196,000
Ada, Idaho 2 $ 390,000 $ 195,000 $ 93,000
Canyon, Idaho 2 $ 210,000 $ 105,000 $ 61,000
Carroll, Illinois 2 $ 60,000 $ 30,000 $ 54,000
McHenry, Illinois 2 $ 440,000 $ 220,000 $ 108,000
Peoria, Illinois 2 $ 160,000 $ 80,000 $ 102,000
Tazewell, Illinois 2 $ 440,000 $ 220,000 $ 102,000
Allen, Indiana 2 $ 280,000 $ 140,000 $ 92,000
Franklin, Indiana 2 $ 350,000 $ 175,000 $ 139,000
Howard, Indiana 2 $ 280,000 $ 140,000 $ 43,000
Pike, Indiana 2 $ 340,000 $ 170,000 $ 68,000
Des Moines, Iowa 2 $ 210,000 $ 105,000 $ 38,000
Dickinson, Iowa 2 $ 420,000 $ 210,000 $ 144,000
Franklin, Iowa 2 $ 320,000 $ 160,000 $ 87,000
Fremont, Iowa 2 $ 170,000 $ 85,000 $ 139,000
Hardin, Iowa 2 $ 80,000 $ 40,000 $ 94,000
Sioux, Iowa 2 $ 140,000 $ 70,000 $ 102,000
Brown, Kansas 2 $ 280,000 $ 140,000 $ 74,000
Douglas, Kansas 2 $ 320,000 $ 160,000 $ 117,000
Gray, Kansas 2 $ 90,000 $ 45,000 $ 108,000
Pottawatomie, Kansas 2 $ 530,000 $ 265,000 $ 100,000
Graves, Kentucky 2 $ 420,000 $ 210,000 $ 76,000
Muhlenberg, Kentucky 2 $ 240,000 $ 120,000 $ 67,000
Evangeline, Louisiana 2 $ 170,000 $ 85,000 $ 64,000
Lafayette, Louisiana 2 $ 190,000 $ 95,000 $ 103,000
Ouachita, Louisiana 2 $ 280,000 $ 140,000 $ 95,000
Pointe Coupee, Louisiana 2 $ 220,000 $ 110,000 $ 122,000
St. Tammany, Louisiana 2 $ 180,000 $ 90,000 $ 49,000
Vermilion, Louisiana 2 $ 300,000 $ 150,000 $ 55,000
Aroostook, Maine 2 $ 390,000 $ 195,000 $ 95,000
Hancock, Maine 2 $ 630,000 $ 315,000 $ 79,000
Somerset, Maine 2 $ 190,000 $ 95,000 $ 59,000
Queen Anne's, Maryland 2 $ 160,000 $ 80,000 $ 54,000
Talbot, Maryland 2 $ 780,000 $ 390,000 $ 149,000
Middlesex, Massachusetts 2 $ 420,000 $ 210,000 $ 202,000
Plymouth, Massachusetts 2 $ 370,000 $ 185,000 $ 113,000
Allegan, Michigan 2 $ 190,000 $ 95,000 $ 104,000
Gratiot, Michigan 2 $ 190,000 $ 95,000 $ 86,000
Mecosta, Michigan 2 $ 570,000 $ 285,000 $ 98,000
Oakland, Michigan 2 $ 440,000 $ 220,000 $ 127,000
Osceola, Michigan 2 $ 310,000 $ 155,000 $ 72,000
Douglas, Minnesota 2 $ 240,000 $ 120,000 $ 94,000
Lyon, Minnesota 2 $ 380,000 $ 190,000 $ 77,000
Marshall, Minnesota 2 $ 220,000 $ 110,000 $ 54,000
Mower, Minnesota 2 $ 340,000 $ 170,000 $ 71,000
Polk, Minnesota 2 $ 390,000 $ 195,000 $ 112,000
Stearns, Minnesota 2 $ 480,000 $ 240,000 $ 118,000
Wright, Minnesota 2 $ 510,000 $ 255,000 $ 157,000
Hinds, Mississippi 2 $ 260,000 $ 130,000 $ 78,000
Lowndes, Mississippi 2 $ 210,000 $ 105,000 $ 122,000
Pike, Mississippi 2 $ 250,000 $ 125,000 $ 19,000
Adair, Missouri 2 $ 80,000 $ 40,000 $ 252,000
Andrew, Missouri 2 $ 460,000 $ 230,000 $ 83,000
Audrain, Missouri 2 $ 200,000 $ 100,000 $ 69,000
Camden, Missouri 2 $ 550,000 $ 275,000 $ 639,000
Clinton, Missouri 2 $ 620,000 $ 310,000 $ 93,000
Henry, Missouri 2 $ 150,000 $ 75,000 $ 105,000
Jasper, Missouri 2 $ 400,000 $ 200,000 $ 136,000
Laclede, Missouri 2 $ 180,000 $ 90,000 $ 52,000
Lincoln, Missouri 2 $ 870,000 $ 435,000 $ 127,000
New Madrid, Missouri 2 $ 240,000 $ 120,000 $ 131,000
Newton, Missouri 2 $ 220,000 $ 110,000 $ 109,000
Nodaway, Missouri 2 $ 430,000 $ 215,000 $ 102,000
Platte, Missouri 2 $ 680,000 $ 340,000 $ 117,000
Ripley, Missouri 2 $ 410,000 $ 205,000 $ 104,000
Scott, Missouri 2 $ 190,000 $ 95,000 $ 457,000
Gallatin, Montana 2 $ 580,000 $ 290,000 $ 119,000
Dawes, Nebraska 2 $ 250,000 $ 125,000 $ 96,000
Morrill, Nebraska 2 $ 90,000 $ 45,000 $ 111,000
Sarpy, Nebraska 2 $ 80,000 $ 40,000 $ 135,000
Sheridan, Nebraska 2 $ 80,000 $ 40,000 $ 47,000
Cheshire, New Hampshire 2 $ 310,000 $ 155,000 $ 79,000
Hillsborough, New Hampshire 2 $ 340,000 $ 170,000 $ 52,000
Rockingham, New Hampshire 2 $ 80,000 $ 40,000 $ 79,000
Camden, New Jersey 2 $ 190,000 $ 95,000 $ 59,000
Ocean, New Jersey 2 $ 550,000 $ 275,000 $ 89,000
Onondaga, New York 2 $ 490,000 $ 245,000 $ 82,000
Moore, North Carolina 2 $ 750,000 $ 375,000 $ 99,000
New Hanover, North Carolina 2 $ 650,000 $ 325,000 $ 176,000
Onslow, North Carolina 2 $ 1,140,000 $ 570,000 $ 170,000
Pender, North Carolina 2 $ 410,000 $ 205,000 $ 90,000
Rockingham, North Carolina 2 $ 170,000 $ 85,000 $ 106,000
Sampson, North Carolina 2 $ 400,000 $ 200,000 $ 133,000
Union, North Carolina 2 $ 490,000 $ 245,000 $ 94,000
Morton, North Dakota 2 $ 380,000 $ 190,000 $ 126,000
Pembina, North Dakota 2 $ 170,000 $ 85,000 $ 223,000
Richland, North Dakota 2 $ 220,000 $ 110,000 $ 56,000
Fulton, Ohio 2 $ 420,000 $ 210,000 $ 131,000
Henry, Ohio 2 $ 120,000 $ 60,000 $ 74,000
Jefferson, Ohio 2 $ 100,000 $ 50,000 $ 62,000
Shelby, Ohio 2 $ 120,000 $ 60,000 $ 82,000
Le Flore, Oklahoma 2 $ 360,000 $ 180,000 $ 160,000
Oklahoma, Oklahoma 2 $ 220,000 $ 110,000 $ 108,000
Pawnee, Oklahoma 2 $ 270,000 $ 135,000 $ 156,000
Stephens, Oklahoma 2 $ 210,000 $ 105,000 $ 124,000
Clackamas, Oregon 2 $ 880,000 $ 440,000 $ 213,000
Malheur, Oregon 2 $ 190,000 $ 95,000 $ 412,000
Lancaster, Pennsylvania 2 $ 230,000 $ 115,000 $ 141,000
Anderson, South Carolina 2 $ 200,000 $ 100,000 $ 180,000
Dorchester, South Carolina 2 $ 780,000 $ 390,000 $ 132,000
Lancaster, South Carolina 2 $ 410,000 $ 205,000 $ 101,000
Douglas, South Dakota 2 $ 160,000 $ 80,000 $ 99,000
Blount, Tennessee 2 $ 180,000 $ 90,000 $ 93,000
Hamilton, Tennessee 2 $ 730,000 $ 365,000 $ 120,000
Haywood, Tennessee 2 $ 190,000 $ 95,000 $ 121,000
Henry, Tennessee 2 $ 400,000 $ 200,000 $ 182,000
Shelby, Tennessee 2 $ 530,000 $ 265,000 $ 272,000
Tipton, Tennessee 2 $ 280,000 $ 140,000 $ 54,000
Weakley, Tennessee 2 $ 400,000 $ 200,000 $ 111,000
Cooke, Texas 2 $ 240,000 $ 120,000 $ 109,000
Dallas, Texas 2 $ 740,000 $ 370,000 $ 68,000
Ellis, Texas 2 $ 140,000 $ 70,000 $ 104,000
Erath, Texas 2 $ 440,000 $ 220,000 $ 126,000
Hale, Texas 2 $ 60,000 $ 30,000 $ 32,000
Hays, Texas 2 $ 640,000 $ 320,000 $ 129,000
Jones, Texas 2 $ 140,000 $ 70,000 $ 87,000
Kaufman, Texas 2 $ 460,000 $ 230,000 $ 104,000
Lamar, Texas 2 $ 560,000 $ 280,000 $ 53,000
McLennan, Texas 2 $ 690,000 $ 345,000 $ 741,000
Potter, Texas 2 $ 490,000 $ 245,000 $ 123,000
Travis, Texas 2 $ 230,000 $ 115,000 $ 618,000
Washington, Texas 2 $ 1,350,000 $ 675,000 $ 1,559,000
Davis, Utah 2 $ 650,000 $ 325,000 $ 182,000
Salt Lake, Utah 2 $ 290,000 $ 145,000 $ 79,000
Utah, Utah 2 $ 590,000 $ 295,000 $ 95,000
Augusta, Virginia 2 $ 560,000 $ 280,000 $ 173,000
Chesterfield, Virginia 2 $ 420,000 $ 210,000 $ 259,000
Franklin, Virginia 2 $ 1,410,000 $ 705,000 $ 131,000
Isle of Wight, Virginia 2 $ 580,000 $ 290,000 $ 469,000
Nelson, Virginia 2 $ 210,000 $ 105,000 $ 117,000
Lewis, Washington 2 $ 690,000 $ 345,000 $ 175,000
Putnam, West Virginia 2 $ 110,000 $ 55,000 $ 82,000
Webster, West Virginia 2 $ 190,000 $ 95,000 $ 123,000
Brown, Wisconsin 2 $ 370,000 $ 185,000 $ 90,000
Chippewa, Wisconsin 2 $ 420,000 $ 210,000 $ 108,000
Iowa, Wisconsin 2 $ 460,000 $ 230,000 $ 167,000
Racine, Wisconsin 2 $ 410,000 $ 205,000 $ 147,000
Vilas, Wisconsin 2 $ 310,000 $ 155,000 $ 49,000
Madison, Alabama 1 $ 375,000 $ 375,000 $ 0
Mohave, Arizona 1 $ 305,000 $ 305,000 $ 180,000
Arkansas, Arkansas 1 $ 215,000 $ 215,000 $ 89,000
Independence, Arkansas 1 $ 145,000 $ 145,000 $ 73,000
Jackson, Arkansas 1 $ 65,000 $ 65,000 $ 49,000
Lonoke, Arkansas 1 $ 35,000 $ 35,000 $ 50,000
Marion, Arkansas 1 $ 155,000 $ 155,000 $ 59,000
Mississippi, Arkansas 1 $ 245,000 $ 245,000 $ 248,000
Pulaski, Arkansas 1 $ 165,000 $ 165,000 $ 142,000
Randolph, Arkansas 1 $ 135,000 $ 135,000 $ 54,000
Sharp, Arkansas 1 $ 115,000 $ 115,000 $ 52,000
White, Arkansas 1 $ 85,000 $ 85,000 $ 56,000
Woodruff, Arkansas 1 $ 55,000 $ 55,000 $ 55,000
Merced, California 1 $ 35,000 $ 35,000 $ 77,000
Monterey, California 1 $ 105,000 $ 105,000 $ 85,000
San Luis Obispo, California 1 $ 365,000 $ 365,000 $ 83,000
Cheyenne, Colorado 1 $ 35,000 $ 35,000 $ 65,000
Fremont, Colorado 1 $ 365,000 $ 365,000 $ 82,000
Grand, Colorado 1 $ 475,000 $ 475,000 $ 233,000
Phillips, Colorado 1 $ 275,000 $ 275,000 $ 131,000
New Haven, Connecticut 1 $ 825,000 $ 825,000 $ 580,000
New London, Connecticut 1 $ 25,000 $ 25,000 $ 105,000
New Castle, Delaware 1 $ 275,000 $ 275,000 $ 113,000
Bradford, Florida 1 $ 55,000 $ 55,000 $ 130,000
Flagler, Florida 1 $ 205,000 $ 205,000 $ 77,000
Hendry, Florida 1 $ 125,000 $ 125,000 $ 111,000
Hernando, Florida 1 $ 35,000 $ 35,000 $ 161,000
Lake, Florida 1 $ 175,000 $ 175,000 $ 77,000
Martin, Florida 1 $ 275,000 $ 275,000 $ 72,000
Monroe, Florida 1 $ 1,205,000 $ 1,205,000 $ 213,000
Okaloosa, Florida 1 $ 65,000 $ 65,000 $ 90,000
Polk, Florida 1 $ 65,000 $ 65,000 $ 122,000
St. Johns, Florida 1 $ 625,000 $ 625,000 $ 389,000
Burke, Georgia 1 $ 45,000 $ 45,000 $ 43,000
Decatur, Georgia 1 $ 55,000 $ 55,000 $ 62,000
Early, Georgia 1 $ 55,000 $ 55,000 $ 50,000
Fayette, Georgia 1 $ 155,000 $ 155,000 $ 193,000
Greene, Georgia 1 $ 455,000 $ 455,000 $ 334,000
Gwinnett, Georgia 1 $ 305,000 $ 305,000 $ 122,000
Hall, Georgia 1 $ 55,000 $ 55,000 $ 81,000
Hancock, Georgia 1 $ 155,000 $ 155,000 $ 52,000
Haralson, Georgia 1 $ 225,000 $ 225,000 $ 86,000
Irwin, Georgia 1 $ 95,000 $ 95,000 $ 38,000
Jackson, Georgia 1 $ 465,000 $ 465,000 $ 153,000
Jefferson, Georgia 1 $ 145,000 $ 145,000 $ 44,000
Lamar, Georgia 1 $ 35,000 $ 35,000 $ 50,000
Liberty, Georgia 1 $ 75,000 $ 75,000 $ 191,000
Miller, Georgia 1 $ 345,000 $ 345,000 $ 0
Murray, Georgia 1 $ 155,000 $ 155,000 $ 0
Spalding, Georgia 1 $ 445,000 $ 445,000 $ 234,000
Thomas, Georgia 1 $ 105,000 $ 105,000 $ 82,000
Troup, Georgia 1 $ 105,000 $ 105,000 $ 48,000
Walker, Georgia 1 $ 495,000 $ 495,000 $ 133,000
Walton, Georgia 1 $ 85,000 $ 85,000 $ 75,000
White, Georgia 1 $ 195,000 $ 195,000 $ 0
Bingham, Idaho 1 $ 325,000 $ 325,000 $ 69,000
Bonneville, Idaho 1 $ 95,000 $ 95,000 $ 33,000
Payette, Idaho 1 $ 475,000 $ 475,000 $ 236,000
Twin Falls, Idaho 1 $ 65,000 $ 65,000 $ 97,000
Adams, Illinois 1 $ 65,000 $ 65,000 $ 40,000
Clinton, Illinois 1 $ 235,000 $ 235,000 $ 122,000
Douglas, Illinois 1 $ 105,000 $ 105,000 $ 70,000
Kankakee, Illinois 1 $ 455,000 $ 455,000 $ 210,000
Lee, Illinois 1 $ 145,000 $ 145,000 $ 123,000
McLean, Illinois 1 $ 205,000 $ 205,000 $ 120,000
Putnam, Illinois 1 $ 115,000 $ 115,000 $ 120,000
Wayne, Illinois 1 $ 205,000 $ 205,000 $ 140,000
Woodford, Illinois 1 $ 155,000 $ 155,000 $ 69,000
Adams, Indiana 1 $ 55,000 $ 55,000 $ 64,000
Boone, 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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