Empeople Credit Union Mortgage Lending & HMDA Data, 2024

In 2024, Empeople Credit Union of Moline, IL reported 3,246 mortgage applications totaling $582.4 million, down 8% from 2023. The average application was for $179,417, and applicants reported an average income of $144,982. 62% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (619), Portland-South Portland, ME (321) and Des Moines-West Des Moines, IA (245) (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 3,246
Total Mortgage Loan Application Amount $582,390,000
Average Mortgage Loan Application Amount $179,417
Highest Mortgage Loan Application Amount $1,325,000
Average Applicant Income $144,982
Highest Applicant Income $7,464,000

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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Rock Island, Illinois 253 $ 27,815,000 $ 109,940 $ 101,000
Scott, Iowa 253 $ 52,765,000 $ 208,557 $ 168,000
Cumberland, Maine 241 $ 40,455,000 $ 167,863 $ 130,000
Polk, Iowa 163 $ 31,895,000 $ 195,674 $ 154,000
Black Hawk, Iowa 119 $ 14,045,000 $ 118,025 $ 120,000
Henry, Illinois 82 $ 11,160,000 $ 136,097 $ 139,000
York, Maine 70 $ 10,920,000 $ 156,000 $ 104,000
Dubuque, Iowa 61 $ 8,985,000 $ 147,295 $ 109,000
Dallas, Iowa 50 $ 13,940,000 $ 278,800 $ 233,000
Penobscot, Maine 48 $ 5,900,000 $ 122,916 $ 98,000
Wake, North Carolina 45 $ 10,445,000 $ 232,111 $ 164,000
Cass, North Dakota 44 $ 9,490,000 $ 215,681 $ 158,000
Dodge, Wisconsin 32 $ 5,240,000 $ 163,750 $ 111,000
Mercer, Illinois 31 $ 3,245,000 $ 104,677 $ 122,000
Columbia, Georgia 30 $ 5,330,000 $ 177,666 $ 143,000
Bremer, Iowa 29 $ 3,885,000 $ 133,965 $ 118,000
Wapello, Iowa 26 $ 3,190,000 $ 122,692 $ 121,000
Forsyth, North Carolina 25 $ 4,515,000 $ 180,600 $ 133,000
Buchanan, Iowa 23 $ 1,825,000 $ 79,347 $ 109,000
Johnson, Kansas 22 $ 6,090,000 $ 276,818 $ 176,000
Lafourche, Louisiana 20 $ 1,810,000 $ 90,500 $ 138,000
Cook, Illinois 18 $ 5,700,000 $ 316,666 $ 245,000
Greenville, South Carolina 18 $ 2,550,000 $ 141,666 $ 96,000
Androscoggin, Maine 17 $ 3,155,000 $ 185,588 $ 108,000
Warren, Iowa 16 $ 3,230,000 $ 201,875 $ 164,000
Clinton, Iowa 14 $ 1,880,000 $ 134,285 $ 91,000
Greene, Missouri 14 $ 1,780,000 $ 127,142 $ 102,000
Maricopa, Arizona 13 $ 4,665,000 $ 358,846 $ 212,000
Oxford, Maine 13 $ 2,715,000 $ 208,846 $ 106,000
Grant, Wisconsin 13 $ 2,295,000 $ 176,538 $ 112,000
Whiteside, Illinois 12 $ 1,190,000 $ 99,166 $ 308,000
Johnston, North Carolina 12 $ 2,420,000 $ 201,666 $ 135,000
Butler, Iowa 11 $ 1,315,000 $ 119,545 $ 140,000
Grundy, Iowa 11 $ 835,000 $ 75,909 $ 148,000
Harnett, North Carolina 11 $ 1,045,000 $ 95,000 $ 86,000
Collin, Texas 11 $ 3,905,000 $ 355,000 $ 918,000
Knox, Illinois 10 $ 880,000 $ 88,000 $ 79,000
Madison, Iowa 10 $ 3,120,000 $ 312,000 $ 150,000
Sagadahoc, Maine 10 $ 960,000 $ 96,000 $ 124,000
Dane, Wisconsin 10 $ 2,020,000 $ 202,000 $ 140,000
Washington, Wisconsin 10 $ 2,650,000 $ 265,000 $ 167,000
Craighead, Arkansas 9 $ 1,795,000 $ 199,444 $ 119,000
Lee, Florida 9 $ 2,865,000 $ 318,333 $ 493,000
Davis, Iowa 9 $ 1,095,000 $ 121,666 $ 88,000
Delaware, Iowa 9 $ 1,565,000 $ 173,888 $ 132,000
Guilford, North Carolina 9 $ 2,475,000 $ 275,000 $ 347,000
Denton, Texas 9 $ 1,645,000 $ 182,777 $ 188,000
Wright, Iowa 8 $ 1,430,000 $ 178,750 $ 95,000
Hennepin, Minnesota 8 $ 2,830,000 $ 353,750 $ 275,000
Harris, Texas 8 $ 720,000 $ 90,000 $ 167,000
Baldwin, Alabama 7 $ 2,125,000 $ 303,571 $ 188,000
Mesa, Colorado 7 $ 955,000 $ 136,428 $ 136,000
Manatee, Florida 7 $ 2,405,000 $ 343,571 $ 149,000
Fulton, Georgia 7 $ 1,555,000 $ 222,142 $ 240,000
Johnson, Iowa 7 $ 2,935,000 $ 419,285 $ 232,000
Monroe, Iowa 7 $ 925,000 $ 132,142 $ 93,000
Mecklenburg, North Carolina 7 $ 3,375,000 $ 482,142 $ 205,000
Nowata, Oklahoma 7 $ 1,155,000 $ 165,000 $ 87,000
Spartanburg, South Carolina 7 $ 605,000 $ 86,428 $ 118,000
Los Angeles, California 6 $ 1,880,000 $ 313,333 $ 175,000
Larimer, Colorado 6 $ 2,110,000 $ 351,666 $ 176,000
Brevard, Florida 6 $ 2,160,000 $ 360,000 $ 175,000
Will, Illinois 6 $ 2,420,000 $ 403,333 $ 216,000
Franklin, Iowa 6 $ 320,000 $ 53,333 $ 56,000
Linn, Iowa 6 $ 1,210,000 $ 201,666 $ 155,000
Muscatine, Iowa 6 $ 1,040,000 $ 173,333 $ 109,000
Tama, Iowa 6 $ 1,350,000 $ 225,000 $ 202,000
Aroostook, Maine 6 $ 990,000 $ 165,000 $ 100,000
Hancock, Maine 6 $ 1,310,000 $ 218,333 $ 121,000
Christian, Missouri 6 $ 720,000 $ 120,000 $ 106,000
Jackson, Missouri 6 $ 1,220,000 $ 203,333 $ 125,000
Oklahoma, Oklahoma 6 $ 1,530,000 $ 255,000 $ 146,000
Greene, Tennessee 6 $ 550,000 $ 91,666 $ 162,000
Fond du Lac, Wisconsin 6 $ 770,000 $ 128,333 $ 90,000
Arkansas, Arkansas 5 $ 845,000 $ 169,000 $ 131,000
Clay, Arkansas 5 $ 535,000 $ 107,000 $ 88,000
Riverside, California 5 $ 335,000 $ 67,000 $ 144,000
Marion, Florida 5 $ 555,000 $ 111,000 $ 67,000
Bureau, Illinois 5 $ 195,000 $ 39,000 $ 97,000
Jo Daviess, Illinois 5 $ 725,000 $ 145,000 $ 133,000
Benton, Iowa 5 $ 625,000 $ 125,000 $ 96,000
Dickinson, Iowa 5 $ 1,465,000 $ 293,000 $ 205,000
Fayette, Iowa 5 $ 465,000 $ 93,000 $ 112,000
Jasper, Iowa 5 $ 385,000 $ 77,000 $ 119,000
Finney, Kansas 5 $ 1,025,000 $ 205,000 $ 83,000
Montgomery, Kansas 5 $ 545,000 $ 109,000 $ 102,000
Waldo, Maine 5 $ 365,000 $ 73,000 $ 76,000
Dakota, Minnesota 5 $ 2,125,000 $ 425,000 $ 182,000
Webster, Missouri 5 $ 695,000 $ 139,000 $ 145,000
Red Willow, Nebraska 5 $ 405,000 $ 81,000 $ 96,000
Clark, Nevada 5 $ 675,000 $ 135,000 $ 88,000
Alamance, North Carolina 5 $ 875,000 $ 175,000 $ 133,000
Davidson, North Carolina 5 $ 565,000 $ 113,000 $ 82,000
Stokes, North Carolina 5 $ 455,000 $ 91,000 $ 103,000
Hamilton, Tennessee 5 $ 1,315,000 $ 263,000 $ 212,000
Lubbock, Texas 5 $ 1,015,000 $ 203,000 $ 214,000
Pinal, Arizona 4 $ 810,000 $ 202,500 $ 122,000
Yuma, Arizona 4 $ 700,000 $ 175,000 $ 118,000
Imperial, California 4 $ 420,000 $ 105,000 $ 113,000
Orange, California 4 $ 1,020,000 $ 255,000 $ 203,000
Yuma, Colorado 4 $ 650,000 $ 162,500 $ 250,000
Collier, Florida 4 $ 780,000 $ 195,000 $ 189,000
Escambia, Florida 4 $ 1,500,000 $ 375,000 $ 195,000
Martin, Florida 4 $ 600,000 $ 150,000 $ 123,000
Miami-Dade, Florida 4 $ 510,000 $ 127,500 $ 179,000
Palm Beach, Florida 4 $ 1,090,000 $ 272,500 $ 214,000
Ada, Idaho 4 $ 1,280,000 $ 320,000 $ 152,000
DuPage, Illinois 4 $ 1,680,000 $ 420,000 $ 293,000
Kane, Illinois 4 $ 1,170,000 $ 292,500 $ 160,000
Lake, Illinois 4 $ 1,360,000 $ 340,000 $ 231,000
McLean, Illinois 4 $ 350,000 $ 87,500 $ 96,000
Warren, Illinois 4 $ 260,000 $ 65,000 $ 74,000
Allen, Indiana 4 $ 1,270,000 $ 317,500 $ 154,000
Floyd, Iowa 4 $ 150,000 $ 37,500 $ 89,000
Jackson, Iowa 4 $ 470,000 $ 117,500 $ 121,000
Mills, Iowa 4 $ 1,220,000 $ 305,000 $ 143,000
Story, Iowa 4 $ 500,000 $ 125,000 $ 225,000
Labette, Kansas 4 $ 600,000 $ 150,000 $ 84,000
Pottawatomie, Kansas 4 $ 840,000 $ 210,000 $ 134,000
Thomas, Kansas 4 $ 570,000 $ 142,500 $ 88,000
Kennebec, Maine 4 $ 490,000 $ 122,500 $ 97,000
Anne Arundel, Maryland 4 $ 1,190,000 $ 297,500 $ 185,000
Clay, Minnesota 4 $ 820,000 $ 205,000 $ 94,000
Lyon, Minnesota 4 $ 510,000 $ 127,500 $ 143,000
Cass, Missouri 4 $ 640,000 $ 160,000 $ 139,000
Keith, Nebraska 4 $ 320,000 $ 80,000 $ 92,000
Richardson, Nebraska 4 $ 630,000 $ 157,500 $ 106,000
Barnes, North Dakota 4 $ 790,000 $ 197,500 $ 98,000
Delaware, Ohio 4 $ 1,650,000 $ 412,500 $ 199,000
Warren, Ohio 4 $ 1,560,000 $ 390,000 $ 311,000
Carter, Oklahoma 4 $ 350,000 $ 87,500 $ 85,000
Minnehaha, South Dakota 4 $ 1,510,000 $ 377,500 $ 168,000
Rutherford, Tennessee 4 $ 1,360,000 $ 340,000 $ 129,000
Grayson, Texas 4 $ 1,490,000 $ 372,500 $ 170,000
Montgomery, Texas 4 $ 1,330,000 $ 332,500 $ 145,000
Jefferson, Wisconsin 4 $ 860,000 $ 215,000 $ 275,000
Madison, Alabama 3 $ 315,000 $ 105,000 $ 0
White, Arkansas 3 $ 455,000 $ 151,666 $ 142,000
San Joaquin, California 3 $ 795,000 $ 265,000 $ 116,000
Denver, Colorado 3 $ 1,325,000 $ 441,666 $ 204,000
Douglas, Colorado 3 $ 425,000 $ 141,666 $ 249,000
Kit Carson, Colorado 3 $ 375,000 $ 125,000 $ 113,000
Duval, Florida 3 $ 1,725,000 $ 575,000 $ 210,000
Pinellas, Florida 3 $ 865,000 $ 288,333 $ 189,000
Sumter, Florida 3 $ 95,000 $ 31,666 $ 58,000
Hall, Georgia 3 $ 1,065,000 $ 355,000 $ 203,000
Christian, Illinois 3 $ 275,000 $ 91,666 $ 135,000
Fulton, Illinois 3 $ 515,000 $ 171,666 $ 74,000
Hancock, Illinois 3 $ 185,000 $ 61,666 $ 92,000
Boone, Iowa 3 $ 155,000 $ 51,666 $ 92,000
Carroll, Iowa 3 $ 595,000 $ 198,333 $ 119,000
Cedar, Iowa 3 $ 465,000 $ 155,000 $ 104,000
Clarke, Iowa 3 $ 155,000 $ 51,666 $ 123,000
Clayton, Iowa 3 $ 245,000 $ 81,666 $ 90,000
Keokuk, Iowa 3 $ 445,000 $ 148,333 $ 134,000
Marion, Iowa 3 $ 635,000 $ 211,666 $ 133,000
Page, Iowa 3 $ 755,000 $ 251,666 $ 149,000
Palo Alto, Iowa 3 $ 495,000 $ 165,000 $ 107,000
Poweshiek, Iowa 3 $ 625,000 $ 208,333 $ 151,000
Webster, Iowa 3 $ 85,000 $ 28,333 $ 124,000
Brown, Kansas 3 $ 415,000 $ 138,333 $ 94,000
Decatur, Kansas 3 $ 375,000 $ 125,000 $ 56,000
Reno, Kansas 3 $ 335,000 $ 111,666 $ 177,000
Sedgwick, Kansas 3 $ 555,000 $ 185,000 $ 97,000
Oakland, Michigan 3 $ 515,000 $ 171,666 $ 133,000
Anoka, Minnesota 3 $ 1,025,000 $ 341,666 $ 155,000
Blue Earth, Minnesota 3 $ 195,000 $ 65,000 $ 103,000
St. Louis, Minnesota 3 $ 645,000 $ 215,000 $ 163,000
Clay, Missouri 3 $ 335,000 $ 111,666 $ 108,000
Adams, Nebraska 3 $ 765,000 $ 255,000 $ 154,000
Morrill, Nebraska 3 $ 205,000 $ 68,333 $ 146,000
Curry, New Mexico 3 $ 145,000 $ 48,333 $ 105,000
Rockingham, North Carolina 3 $ 615,000 $ 205,000 $ 67,000
Bottineau, North Dakota 3 $ 335,000 $ 111,666 $ 97,000
Stutsman, North Dakota 3 $ 225,000 $ 75,000 $ 101,000
Wood, Ohio 3 $ 585,000 $ 195,000 $ 153,000
Dewey, Oklahoma 3 $ 605,000 $ 201,666 $ 490,000
Grady, Oklahoma 3 $ 445,000 $ 148,333 $ 117,000
Aiken, South Carolina 3 $ 405,000 $ 135,000 $ 92,000
Anderson, South Carolina 3 $ 215,000 $ 71,666 $ 121,000
Lexington, South Carolina 3 $ 715,000 $ 238,333 $ 134,000
Crockett, Tennessee 3 $ 675,000 $ 225,000 $ 123,000
Gibson, Tennessee 3 $ 555,000 $ 185,000 $ 122,000
Maury, Tennessee 3 $ 805,000 $ 268,333 $ 554,000
Williamson, Tennessee 3 $ 2,135,000 $ 711,666 $ 310,000
Burleson, Texas 3 $ 695,000 $ 231,666 $ 61,000
Hunt, Texas 3 $ 415,000 $ 138,333 $ 104,000
Jim Wells, Texas 3 $ 485,000 $ 161,666 $ 114,000
Travis, Texas 3 $ 1,545,000 $ 515,000 $ 243,000
Williamson, Texas 3 $ 1,565,000 $ 521,666 $ 254,000
Loudoun, Virginia 3 $ 965,000 $ 321,666 $ 180,000
Milwaukee, Wisconsin 3 $ 195,000 $ 65,000 $ 152,000
Sauk, Wisconsin 3 $ 515,000 $ 171,666 $ 128,000
Etowah, Alabama 2 $ 150,000 $ 75,000 $ 50,000
Mobile, Alabama 2 $ 350,000 $ 175,000 $ 63,000
Cochise, Arizona 2 $ 560,000 $ 280,000 $ 222,000
Pima, Arizona 2 $ 950,000 $ 475,000 $ 358,000
Benton, Arkansas 2 $ 350,000 $ 175,000 $ 232,000
Conway, Arkansas 2 $ 100,000 $ 50,000 $ 67,000
Greene, Arkansas 2 $ 490,000 $ 245,000 $ 58,000
Lawrence, Arkansas 2 $ 90,000 $ 45,000 $ 140,000
Lonoke, Arkansas 2 $ 350,000 $ 175,000 $ 87,000
Mississippi, Arkansas 2 $ 170,000 $ 85,000 $ 302,000
Poinsett, Arkansas 2 $ 50,000 $ 25,000 $ 81,000
Pulaski, Arkansas 2 $ 30,000 $ 15,000 $ 117,000
Contra Costa, California 2 $ 830,000 $ 415,000 $ 155,000
Fresno, California 2 $ 260,000 $ 130,000 $ 77,000
Madera, California 2 $ 90,000 $ 45,000 $ 119,000
San Diego, California 2 $ 1,930,000 $ 965,000 $ 255,000
Santa Barbara, California 2 $ 160,000 $ 80,000 $ 62,000
Boulder, Colorado 2 $ 970,000 $ 485,000 $ 137,000
Cheyenne, Colorado 2 $ 170,000 $ 85,000 $ 45,000
Fremont, Colorado 2 $ 290,000 $ 145,000 $ 121,000
Lower Connecticut River Valley Planning Region, Connecticut 2 $ 550,000 $ 275,000 $ 116,000
Alachua, Florida 2 $ 410,000 $ 205,000 $ 231,000
Clay, Florida 2 $ 170,000 $ 85,000 $ 64,000
Hillsborough, Florida 2 $ 840,000 $ 420,000 $ 162,000
Orange, Florida 2 $ 710,000 $ 355,000 $ 229,000
Osceola, Florida 2 $ 830,000 $ 415,000 $ 162,000
Volusia, Florida 2 $ 860,000 $ 430,000 $ 148,000
Appling, Georgia 2 $ 130,000 $ 65,000 $ 105,000
Chatham, Georgia 2 $ 470,000 $ 235,000 $ 197,000
DeKalb, Georgia 2 $ 510,000 $ 255,000 $ 82,000
Greene, Georgia 2 $ 1,660,000 $ 830,000 $ 508,000
Henry, Georgia 2 $ 200,000 $ 100,000 $ 62,000
McDuffie, Georgia 2 $ 150,000 $ 75,000 $ 91,000
Richmond, Georgia 2 $ 110,000 $ 55,000 $ 102,000
Adams, Illinois 2 $ 480,000 $ 240,000 $ 142,000
Carroll, Illinois 2 $ 1,020,000 $ 510,000 $ 292,000
Kendall, Illinois 2 $ 780,000 $ 390,000 $ 117,000
Lee, Illinois 2 $ 170,000 $ 85,000 $ 86,000
Macoupin, Illinois 2 $ 160,000 $ 80,000 $ 116,000
Peoria, Illinois 2 $ 310,000 $ 155,000 $ 111,000
Washington, Illinois 2 $ 240,000 $ 120,000 $ 139,000
Woodford, Illinois 2 $ 440,000 $ 220,000 $ 105,000
Carroll, Indiana 2 $ 80,000 $ 40,000 $ 185,000
Dubois, Indiana 2 $ 130,000 $ 65,000 $ 141,000
Hamilton, Indiana 2 $ 280,000 $ 140,000 $ 132,000
Marion, Indiana 2 $ 380,000 $ 190,000 $ 110,000
Chickasaw, Iowa 2 $ 250,000 $ 125,000 $ 100,000
Greene, Iowa 2 $ 180,000 $ 90,000 $ 108,000
Hancock, Iowa 2 $ 270,000 $ 135,000 $ 48,000
Humboldt, Iowa 2 $ 160,000 $ 80,000 $ 103,000
Kossuth, Iowa 2 $ 170,000 $ 85,000 $ 111,000
Mahaska, Iowa 2 $ 190,000 $ 95,000 $ 57,000
Van Buren, Iowa 2 $ 370,000 $ 185,000 $ 111,000
Atchison, Kansas 2 $ 520,000 $ 260,000 $ 192,000
Barton, Kansas 2 $ 100,000 $ 50,000 $ 81,000
Ford, Kansas 2 $ 470,000 $ 235,000 $ 90,000
Leavenworth, Kansas 2 $ 810,000 $ 405,000 $ 299,000
Miami, Kansas 2 $ 590,000 $ 295,000 $ 319,000
Neosho, Kansas 2 $ 580,000 $ 290,000 $ 107,000
Ottawa, Kansas 2 $ 230,000 $ 115,000 $ 71,000
Rawlins, Kansas 2 $ 250,000 $ 125,000 $ 121,000
Sherman, Kansas 2 $ 100,000 $ 50,000 $ 91,000
Daviess, Kentucky 2 $ 330,000 $ 165,000 $ 100,000
Henderson, Kentucky 2 $ 90,000 $ 45,000 $ 1,254,000
Muhlenberg, Kentucky 2 $ 250,000 $ 125,000 $ 106,000
Warren, Kentucky 2 $ 840,000 $ 420,000 $ 164,000
Ascension, Louisiana 2 $ 90,000 $ 45,000 $ 140,000
Concordia, Louisiana 2 $ 130,000 $ 65,000 $ 262,000
East Baton Rouge, Louisiana 2 $ 260,000 $ 130,000 $ 178,000
Vermilion, Louisiana 2 $ 280,000 $ 140,000 $ 125,000
Knox, Maine 2 $ 110,000 $ 55,000 $ 63,000
Piscataquis, Maine 2 $ 100,000 $ 50,000 $ 52,000
Macomb, Michigan 2 $ 160,000 $ 80,000 $ 151,000
Presque Isle, Michigan 2 $ 150,000 $ 75,000 $ 76,000
Nicollet, Minnesota 2 $ 120,000 $ 60,000 $ 54,000
Scott, Minnesota 2 $ 960,000 $ 480,000 $ 222,000
DeSoto, Mississippi 2 $ 310,000 $ 155,000 $ 134,000
Montgomery, Mississippi 2 $ 350,000 $ 175,000 $ 77,000
Camden, Missouri 2 $ 710,000 $ 355,000 $ 279,000
Holt, Missouri 2 $ 550,000 $ 275,000 $ 183,000
Schuyler, Missouri 2 $ 140,000 $ 70,000 $ 57,000
St. Charles, Missouri 2 $ 480,000 $ 240,000 $ 127,000
Wright, Missouri 2 $ 240,000 $ 120,000 $ 98,000
Buffalo, Nebraska 2 $ 800,000 $ 400,000 $ 144,000
Dakota, Nebraska 2 $ 230,000 $ 115,000 $ 69,000
Dawson, Nebraska 2 $ 420,000 $ 210,000 $ 255,000
Dodge, Nebraska 2 $ 280,000 $ 140,000 $ 74,000
Douglas, Nebraska 2 $ 610,000 $ 305,000 $ 172,000
Gosper, Nebraska 2 $ 190,000 $ 95,000 $ 112,000
Hamilton, Nebraska 2 $ 190,000 $ 95,000 $ 126,000
Lancaster, Nebraska 2 $ 260,000 $ 130,000 $ 130,000
Lincoln, Nebraska 2 $ 300,000 $ 150,000 $ 142,000
Sarpy, Nebraska 2 $ 280,000 $ 140,000 $ 116,000
Strafford, New Hampshire 2 $ 210,000 $ 105,000 $ 53,000
Valencia, New Mexico 2 $ 590,000 $ 295,000 $ 99,000
Chatham, North Carolina 2 $ 350,000 $ 175,000 $ 222,000
Rowan, North Carolina 2 $ 660,000 $ 330,000 $ 154,000
Union, North Carolina 2 $ 440,000 $ 220,000 $ 161,000
Watauga, North Carolina 2 $ 560,000 $ 280,000 $ 262,000
Wilson, North Carolina 2 $ 540,000 $ 270,000 $ 136,000
Grand Forks, North Dakota 2 $ 790,000 $ 395,000 $ 140,000
Ward, North Dakota 2 $ 300,000 $ 150,000 $ 117,000
Franklin, Ohio 2 $ 150,000 $ 75,000 $ 103,000
Miami, Ohio 2 $ 360,000 $ 180,000 $ 140,000
Custer, Oklahoma 2 $ 280,000 $ 140,000 $ 86,000
Payne, Oklahoma 2 $ 720,000 $ 360,000 $ 213,000
Washington, Oklahoma 2 $ 330,000 $ 165,000 $ 98,000
Indiana, Pennsylvania 2 $ 80,000 $ 40,000 $ 91,000
Lancaster, Pennsylvania 2 $ 320,000 $ 160,000 $ 123,000
York, Pennsylvania 2 $ 420,000 $ 210,000 $ 198,000
Dorchester, South Carolina 2 $ 430,000 $ 215,000 $ 147,000
York, South Carolina 2 $ 520,000 $ 260,000 $ 250,000
Franklin, Tennessee 2 $ 1,130,000 $ 565,000 $ 124,000
Washington, Tennessee 2 $ 920,000 $ 460,000 $ 263,000
Bexar, Texas 2 $ 380,000 $ 190,000 $ 76,000
Dallas, Texas 2 $ 120,000 $ 60,000 $ 47,000
El Paso, Texas 2 $ 190,000 $ 95,000 $ 135,000
Fannin, Texas 2 $ 660,000 $ 330,000 $ 150,000
Floyd, Texas 2 $ 110,000 $ 55,000 $ 84,000
Hidalgo, Texas 2 $ 220,000 $ 110,000 $ 116,000
Jasper, Texas 2 $ 650,000 $ 325,000 $ 89,000
Lamb, Texas 2 $ 40,000 $ 20,000 $ 74,000
Lavaca, Texas 2 $ 130,000 $ 65,000 $ 131,000
McLennan, Texas 2 $ 100,000 $ 50,000 $ 83,000
Moore, Texas 2 $ 120,000 $ 60,000 $ 518,000
Rusk, Texas 2 $ 180,000 $ 90,000 $ 120,000
Carroll, Virginia 2 $ 150,000 $ 75,000 $ 33,000
Fairfax, Virginia 2 $ 2,460,000 $ 1,230,000 $ 379,000
Fauquier, Virginia 2 $ 640,000 $ 320,000 $ 250,000
Franklin, Virginia 2 $ 360,000 $ 180,000 $ 182,000
Isle of Wight, Virginia 2 $ 70,000 $ 35,000 $ 134,000
King William, Virginia 2 $ 510,000 $ 255,000 $ 99,000
Richmond City, Virginia 2 $ 620,000 $ 310,000 $ 106,000
Jefferson, West Virginia 2 $ 550,000 $ 275,000 $ 89,000
Chippewa, Wisconsin 2 $ 420,000 $ 210,000 $ 94,000
Iowa, Wisconsin 2 $ 360,000 $ 180,000 $ 343,000
Lafayette, Wisconsin 2 $ 470,000 $ 235,000 $ 240,000
Rock, Wisconsin 2 $ 450,000 $ 225,000 $ 85,000
Sheboygan, Wisconsin 2 $ 190,000 $ 95,000 $ 198,000
Waukesha, Wisconsin 2 $ 570,000 $ 285,000 $ 166,000
Cullman, Alabama 1 $ 135,000 $ 135,000 $ 78,000
Shelby, Alabama 1 $ 55,000 $ 55,000 $ 49,000
Tuscaloosa, Alabama 1 $ 235,000 $ 235,000 $ 276,000
Fairbanks North Star, Alaska 1 $ 145,000 $ 145,000 $ 127,000
Graham, Arizona 1 $ 275,000 $ 275,000 $ 187,000
Mohave, Arizona 1 $ 165,000 $ 165,000 $ 490,000
Boone, Arkansas 1 $ 105,000 $ 105,000 $ 88,000
Chicot, Arkansas 1 $ 75,000 $ 75,000 $ 63,000
Crittenden, Arkansas 1 $ 85,000 $ 85,000 $ 52,000
Hempstead, Arkansas 1 $ 65,000 $ 65,000 $ 55,000
Newton, Arkansas 1 $ 265,000 $ 265,000 $ 164,000
Prairie, Arkansas 1 $ 145,000 $ 145,000 $ 80,000
Washington, Arkansas 1 $ 365,000 $ 365,000 $ 173,000
Santa Clara, California 1 $ 255,000 $ 255,000 $ 425,000
Stanislaus, California 1 $ 155,000 $ 155,000 $ 202,000
Sutter, California 1 $ 105,000 $ 105,000 $ 149,000
Arapahoe, Colorado 1 $ 215,000 $ 215,000 $ 132,000
Eagle, Colorado 1 $ 1,055,000 $ 1,055,000 $ 345,000
Jefferson, Colorado 1 $ 475,000 $ 475,000 $ 155,000
Lake, Colorado 1 $ 475,000 $ 475,000 $ 303,000
Otero, Colorado 1 $ 105,000 $ 105,000 $ 67,000
Sedgwick, Colorado 1 $ 35,000 $ 35,000 $ 333,000
Weld, Colorado 1 $ 105,000 $ 105,000 $ 110,000
Northwest Hills Planning Region, Connecticut 1 $ 465,000 $ 465,000 $ 127,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 275,000 $ 275,000 $ 145,000
Kent, Delaware 1 $ 255,000 $ 255,000 $ 110,000
New Castle, Delaware 1 $ 255,000 $ 255,000 $ 209,000
Sussex, Delaware 1 $ 195,000 $ 195,000 $ 72,000
Broward, Florida 1 $ 255,000 $ 255,000 $ 214,000
Flagler, Florida 1 $ 605,000 $ 605,000 $ 176,000
Hernando, Florida 1 $ 305,000 $ 305,000 $ 216,000
Lake, Florida 1 $ 55,000 $ 55,000 $ 140,000
Monroe, Florida 1 $ 255,000 $ 255,000 $ 237,000
Pasco, Florida 1 $ 25,000 $ 25,000 $ 110,000
Santa Rosa, Florida 1 $ 415,000 $ 415,000 $ 125,000
Seminole, Florida 1 $ 295,000 $ 295,000 $ 2,160,000
St. Johns, Florida 1 $ 375,000 $ 375,000 $ 268,000
St. Lucie, Florida 1 $ 55,000 $ 55,000 $ 131,000
Wakulla, Florida 1 $ 75,000 $ 75,000 $ 243,000
Bulloch, Georgia 1 $ 85,000 $ 85,000 $ 99,000
Carroll, Georgia 1 $ 175,000 $ 175,000 $ 63,000
Cherokee, Georgia 1 $ 45,000 $ 45,000 $ 92,000
Clarke, Georgia 1 $ 285,000 $ 285,000 $ 88,000
Clayton, Georgia 1 $ 75,000 $ 75,000 $ 67,000
Cobb, Georgia 1 $ 255,000 $ 255,000 $ 312,000
Coweta, Georgia 1 $ 235,000 $ 235,000 $ 83,000
Dawson, Georgia 1 $ 75,000 $ 75,000 $ 88,000
Decatur, Georgia 1 $ 305,000 $ 305,000 $ 240,000
Early, Georgia 1 $ 55,000 $ 55,000 $ 73,000
Elbert, Georgia 1 $ 105,000 $ 105,000 $ 54,000
Forsyth, Georgia 1 $ 105,000 $ 105,000 $ 158,000
Glynn, Georgia 1 $ 465,000 $ 465,000 $ 175,000
Gwinnett, Georgia 1 $ 725,000 $ 725,000 $ 207,000
Lamar, Georgia 1 $ 45,000 $ 45,000 $ 68,000
Lincoln, Georgia 1 $ 225,000 $ 225,000 $ 245,000
Mitchell, Georgia 1 $ 105,000 $ 105,000 $ 61,000
Monroe, Georgia 1 $ 65,000 $ 65,000 $ 167,000
Morgan, Georgia 1 $ 145,000 $ 145,000 $ 95,000
Newton, Georgia 1 $ 65,000 $ 65,000 $ 75,000
Taylor, Georgia 1 $ 65,000 $ 65,000 $ 71,000
Tift, Georgia 1 $ 225,000 $ 225,000 $ 91,000
Bannock, Idaho 1 $ 455,000 $ 455,000 $ 116,000
Jerome, Idaho 1 $ 95,000 $ 95,000 $ 131,000
Twin Falls, Idaho 1 $ 325,000 $ 325,000 $ 213,000
Madison, Illinois 1 $ 155,000 $ 155,000 $ 0
McHenry, Illinois 1 $ 185,000 $ 185,000 $ 118,000
Moultrie, Illinois 1 $ 55,000 $ 55,000 $ 63,000
Pike, Illinois 1 $ 95,000 $ 95,000 $ 63,000
Randolph, Illinois 1 $ 35,000 $ 35,000 $ 73,000
Stark, Illinois 1 $ 75,000 $ 75,000 $ 93,000
Stephenson, Illinois 1 $ 125,000 $ 125,000 $ 78,000
Wayne, Illinois 1 $ 35,000 $ 35,000 $ 73,000
Hendricks, Indiana 1 $ 135,000 $ 135,000 $ 167,000
Jackson, Indiana 1 $ 205,000 $ 205,000 $ 105,000
Knox, Indiana 1 $ 125,000 $ 125,000 $ 65,000
Madison, Indiana 1 $ 265,000 $ 265,000 $ 115,000
St. Joseph, Indiana 1 $ 425,000 $ 425,000 $ 110,000
Steuben, Indiana 1 $ 265,000 $ 265,000 $ 120,000
Adams, Iowa 1 $ 105,000 $ 105,000 $ 50,000
Cherokee, Iowa 1 $ 25,000 $ 25,000 $ 83,000
Crawford, Iowa 1 $ 365,000 $ 365,000 $ 221,000
Des Moines, Iowa 1 $ 135,000 $ 135,000 $ 75,000
Guthrie, Iowa 1 $ 205,000 $ 205,000 $ 55,000
Hamilton, Iowa 1 $ 235,000 $ 235,000 $ 271,000
Hardin, Iowa 1 $ 75,000 $ 75,000 $ 260,000
Jefferson, Iowa 1 $ 75,000 $ 75,000 $ 107,000
Louisa, Iowa 1 $ 45,000 $ 45,000 $ 171,000
Monona, Iowa 1 $ 25,000 $ 25,000 $ 82,000
Montgomery, Iowa 1 $ 105,000 $ 105,000 $ 116,000
Ringgold, Iowa 1 $ 105,000 $ 105,000 $ 230,000
Shelby, Iowa 1 $ 395,000 $ 395,000 $ 118,000
Sioux, Iowa 1 $ 85,000 $ 85,000 $ 67,000
Union, Iowa 1 $ 75,000 $ 75,000 $ 50,000
Washington, Iowa 1 $ 285,000 $ 285,000 $ 89,000
Wayne, Iowa 1 $ 35,000 $ 35,000 $ 79,000
Woodbury, Iowa 1 $ 35,000 $ 35,000 $ 105,000
Cherokee, Kansas 1 $ 65,000 $ 65,000 $ 71,000
Cheyenne, Kansas 1 $ 155,000 $ 155,000 $ 115,000
Cloud, Kansas 1 $ 195,000 $ 195,000 $ 186,000
Doniphan, Kansas 1 $ 105,000 $ 105,000 $ 109,000
Douglas, Kansas 1 $ 215,000 $ 215,000 $ 372,000
Franklin, Kansas 1 $ 65,000 $ 65,000 $ 257,000
Gray, Kansas 1 $ 75,000 $ 75,000 $ 109,000
Harper, Kansas 1 $ 15,000 $ 15,000 $ 52,000
Harvey, Kansas 1 $ 35,000 $ 35,000 $ 50,000
Kingman, Kansas 1 $ 45,000 $ 45,000 $ 118,000
Lyon, Kansas 1 $ 215,000 $ 215,000 $ 172,000
Nemaha, Kansas 1 $ 175,000 $ 175,000 $ 86,000
Osage, Kansas 1 $ 105,000 $ 105,000 $ 71,000
Phillips, Kansas 1 $ 165,000 $ 165,000 $ 86,000
Riley, Kansas 1 $ 135,000 $ 135,000 $ 148,000
Shawnee, Kansas 1 $ 185,000 $ 185,000 $ 76,000
Sumner, Kansas 1 $ 145,000 $ 145,000 $ 98,000
Wichita, Kansas 1 $ 65,000 $ 65,000 $ 81,000
Wyandotte, Kansas 1 $ 205,000 $ 205,000 $ 134,000
Christian, Kentucky 1 $ 95,000 $ 95,000 $ 100,000
Elliott, Kentucky 1 $ 225,000 $ 225,000 $ 183,000
Fayette, Kentucky 1 $ 545,000 $ 545,000 $ 330,000
Fulton, Kentucky 1 $ 85,000 $ 85,000 $ 65,000
Gallatin, Kentucky 1 $ 165,000 $ 165,000 $ 124,000
Hopkins, Kentucky 1 $ 75,000 $ 75,000 $ 98,000
Jefferson, Kentucky 1 $ 245,000 $ 245,000 $ 215,000
Laurel, Kentucky 1 $ 325,000 $ 325,000 $ 129,000
Jefferson, Louisiana 1 $ 25,000 $ 25,000 $ 77,000
Jefferson Davis, Louisiana 1 $ 155,000 $ 155,000 $ 48,000
Ouachita, Louisiana 1 $ 155,000 $ 155,000 $ 129,000
Franklin, Maine 1 $ 105,000 $ 105,000 $ 303,000
Lincoln, Maine 1 $ 475,000 $ 475,000 $ 139,000
Somerset, Maine 1 $ 105,000 $ 105,000 $ 133,000
Frederick, Maryland 1 $ 445,000 $ 445,000 $ 255,000
Kent, Maryland 1 $ 105,000 $ 105,000 $ 0
Montgomery, Maryland 1 $ 165,000 $ 165,000 $ 318,000
Queen Anne's, Maryland 1 $ 85,000 $ 85,000 $ 64,000
Worcester, Maryland 1 $ 45,000 $ 45,000 $ 115,000
Berkshire, Massachusetts 1 $ 495,000 $ 495,000 $ 85,000
Calhoun, Michigan 1 $ 255,000 $ 255,000 $ 147,000
Delta, Michigan 1 $ 305,000 $ 305,000 $ 124,000
Ionia, Michigan 1 $ 245,000 $ 245,000 $ 145,000
Missaukee, Michigan 1 $ 65,000 $ 65,000 $ 144,000
Osceola, Michigan 1 $ 35,000 $ 35,000 $ 42,000
Washtenaw, Michigan 1 $ 505,000 $ 505,000 $ 82,000
Wayne, Michigan 1 $ 325,000 $ 325,000 $ 351,000
Wexford, Michigan 1 $ 145,000 $ 145,000 $ 152,000
Becker, Minnesota 1 $ 115,000 $ 115,000 $ 71,000
Carver, Minnesota 1 $ 305,000 $ 305,000 $ 184,000
Cottonwood, Minnesota 1 $ 35,000 $ 35,000 $ 73,000
Crow Wing, Minnesota 1 $ 75,000 $ 75,000 $ 134,000
Freeborn, Minnesota 1 $ 185,000 $ 185,000 $ 108,000
Grant, Minnesota 1 $ 115,000 $ 115,000 $ 67,000
Houston, Minnesota 1 $ 135,000 $ 135,000 $ 167,000
Itasca, Minnesota 1 $ 255,000 $ 255,000 $ 191,000
Le Sueur, Minnesota 1 $ 55,000 $ 55,000 $ 85,000
Lincoln, Minnesota 1 $ 155,000 $ 155,000 $ 120,000
Marshall, Minnesota 1 $ 65,000 $ 65,000 $ 158,000
Olmsted, Minnesota 1 $ 65,000 $ 65,000 $ 67,000
Otter Tail, Minnesota 1 $ 385,000 $ 385,000 $ 100,000
Pennington, Minnesota 1 $ 65,000 $ 65,000 $ 135,000
Polk, Minnesota 1 $ 305,000 $ 305,000 $ 120,000
Rock, Minnesota 1 $ 85,000 $ 85,000 $ 68,000
Wadena, Minnesota 1 $ 375,000 $ 375,000 $ 61,000
Washington, Minnesota 1 $ 95,000 $ 95,000 $ 99,000
Winona, Minnesota 1 $ 155,000 $ 155,000 $ 430,000
Wright, Minnesota 1 $ 105,000 $ 105,000 $ 248,000
Bolivar, Mississippi 1 $ 135,000 $ 135,000 $ 41,000
Calhoun, Mississippi 1 $ 15,000 $ 15,000 $ 31,000
Hinds, Mississippi 1 $ 55,000 $ 55,000 $ 46,000
Panola, Mississippi 1 $ 45,000 $ 45,000 $ 88,000
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Mortgage Loan Application Detail Totals for Empeople Credit Union in 2024

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 1,190 $337,330,000 $283,000 $1,325,000 $170,000 $7,464,000
Refinancing 704 $98,210,000 $139,000 $845,000 $139,000 $1,176,000
Other Purpose 624 $48,690,000 $78,000 $365,000 $125,000 $2,346,000
Home Improvement 459 $35,625,000 $77,000 $255,000 $127,000 $2,335,000
Cash-out Refinancing 269 $62,535,000 $232,000 $1,325,000 $127,000 $1,101,000
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 1,690 $339,180,000 $200,000 $1,325,000 $144,000 $1,510,000
Not Provided 1,288 $186,290,000 $144,000 $1,205,000 $145,000 $7,464,000
Hispanic 114 $20,600,000 $180,000 $715,000 $156,000 $2,160,000
Asian 71 $20,795,000 $292,000 $725,000 $174,000 $741,000
Black or African American 66 $12,790,000 $193,000 $765,000 $115,000 $418,000
American Indian or Alaskan Native 16 $2,660,000 $166,000 $415,000 $92,000 $148,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $91,000 $91,000
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) 3,246 $582,390,000 $179,000 $1,325,000 $145,000 $7,464,000
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 2,007 $348,775,000 $173,000 $1,325,000 $146,000 $741,000
Application Denied By Financial Institution 596 $71,120,000 $119,000 $685,000 $116,000 $2,335,000
Application Withdrawn By Applicant 566 $142,410,000 $251,000 $1,325,000 $173,000 $7,464,000
File Closed For Incompleteness 52 $13,500,000 $259,000 $665,000 $129,000 $421,000
Application Approved But Not Accepted 25 $6,585,000 $263,000 $905,000 $145,000 $448,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,650 $511,270,000 $192,000 $1,325,000 $151,000 $7,464,000
Debt-To-Income Ratio 231 $32,115,000 $139,000 $685,000 $88,000 $348,000
Credit History 192 $19,040,000 $99,000 $465,000 $130,000 $1,286,000
Other 66 $5,850,000 $88,000 $455,000 $127,000 $388,000
Credit Application Incomplete 50 $4,980,000 $99,000 $415,000 $198,000 $2,335,000
Collateral 33 $4,205,000 $127,000 $385,000 $124,000 $324,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,750,000 $229,000 $425,000 $92,000 $187,000
Unverifiable Information 11 $1,845,000 $167,000 $305,000 $51,000 $120,000
Employment History 1 $335,000 $335,000 $335,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2024 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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