Empeople Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Empeople Credit Union of Moline, IL reported 3,556 mortgage applications totaling $642.9 million, up 10% from 2024. The average application was for $180,795, and applicants reported an average income of $142,265. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (653), Portland-South Portland, ME (352) and Des Moines-West Des Moines, IA (253) (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 | 3,556 |
| Total Mortgage Loan Application Amount | $642,910,000 |
| Average Mortgage Loan Application Amount | $180,795 |
| Highest Mortgage Loan Application Amount | $1,715,000 |
| Average Applicant Income | $142,265 |
| Highest Applicant Income | $4,065,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 825 | $ 120,105,000 | $ 145,581 | $ 128,483 |
| Davenport-Moline-Rock Island, IA-IL | 653 | $ 99,895,000 | $ 152,978 | $ 131,088 |
| Portland-South Portland, ME | 352 | $ 63,800,000 | $ 181,250 | $ 141,000 |
| Des Moines-West Des Moines, IA | 253 | $ 54,735,000 | $ 216,343 | $ 156,000 |
| Waterloo-Cedar Falls, IA | 178 | $ 26,810,000 | $ 150,617 | $ 119,000 |
| Dubuque, IA | 86 | $ 15,580,000 | $ 181,162 | $ 140,000 |
| Bangor, ME | 72 | $ 9,500,000 | $ 131,944 | $ 101,000 |
| Raleigh, NC | 58 | $ 17,930,000 | $ 309,137 | $ 169,000 |
| Kansas City, MO-KS | 56 | $ 13,400,000 | $ 239,285 | $ 195,267 |
| Fargo, ND-MN | 40 | $ 7,890,000 | $ 197,250 | $ 158,850 |
| Augusta-Richmond County, GA-SC | 36 | $ 6,050,000 | $ 168,055 | $ 138,055 |
| Winston-Salem, NC | 36 | $ 5,880,000 | $ 163,333 | $ 118,000 |
| Springfield, MO | 30 | $ 4,170,000 | $ 139,000 | $ 111,000 |
| Chicago-Naperville, IL | 27 | $ 7,245,000 | $ 268,333 | $ 214,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 6,265,000 | $ 272,391 | $ 167,000 |
| Charlotte-Concord-Gastonia, NC-SC | 21 | $ 6,135,000 | $ 292,142 | $ 206,000 |
| Fond Du Lac, WI | 21 | $ 4,295,000 | $ 204,523 | $ 134,000 |
| Ames, IA | 19 | $ 2,755,000 | $ 145,000 | $ 123,000 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 4,775,000 | $ 251,315 | $ 157,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 4,605,000 | $ 242,368 | $ 129,000 |
| Dallas-Plano-Irving, TX | 18 | $ 4,870,000 | $ 270,555 | $ 213,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 3,640,000 | $ 202,222 | $ 162,555 |
| Cedar Rapids, IA | 17 | $ 3,295,000 | $ 193,823 | $ 126,000 |
| Greensboro-High Point, NC | 16 | $ 3,010,000 | $ 188,125 | $ 129,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 3,980,000 | $ 248,750 | $ 269,000 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 2,485,000 | $ 165,666 | $ 180,000 |
| Lewiston-Auburn, ME | 15 | $ 1,785,000 | $ 119,000 | $ 135,000 |
| Spartanburg, SC | 15 | $ 1,485,000 | $ 99,000 | $ 115,000 |
| Atlanta-Sandy Springs-Roswell, GA | 13 | $ 3,375,000 | $ 259,615 | $ 344,000 |
| Jackson, MS | 13 | $ 2,825,000 | $ 217,307 | $ 118,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 1,530,000 | $ 127,500 | $ 109,000 |
| Jonesboro, AR | 12 | $ 1,690,000 | $ 140,833 | $ 81,000 |
| Marietta, GA | 12 | $ 3,740,000 | $ 311,666 | $ 182,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 2,525,000 | $ 229,545 | $ 164,000 |
| Houma-Thibodaux, LA | 11 | $ 1,275,000 | $ 115,909 | $ 187,000 |
| Madison, WI | 11 | $ 2,245,000 | $ 204,090 | $ 245,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 3,365,000 | $ 305,909 | $ 143,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 1,895,000 | $ 210,555 | $ 151,000 |
| Waco, TX | 9 | $ 1,765,000 | $ 196,111 | $ 148,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,320,000 | $ 290,000 | $ 227,000 |
| Cleveland, OH | 8 | $ 1,160,000 | $ 145,000 | $ 116,000 |
| Columbus, OH | 8 | $ 1,400,000 | $ 175,000 | $ 211,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,730,000 | $ 216,250 | $ 159,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 3,670,000 | $ 458,750 | $ 173,000 |
| Peoria, IL | 8 | $ 1,260,000 | $ 157,500 | $ 102,000 |
| Arlington-Alexandria-Reston, VA-WV | 7 | $ 2,065,000 | $ 295,000 | $ 167,285 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,515,000 | $ 216,428 | $ 138,000 |
| St. Louis, MO-IL | 7 | $ 1,595,000 | $ 227,857 | $ 156,285 |
| Wichita, KS | 7 | $ 1,175,000 | $ 167,857 | $ 113,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,390,000 | $ 231,666 | $ 143,000 |
| Elgin, IL | 6 | $ 2,410,000 | $ 401,666 | $ 211,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,600,000 | $ 266,666 | $ 172,000 |
| Jackson, TN | 6 | $ 690,000 | $ 115,000 | $ 90,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 960,000 | $ 160,000 | $ 124,000 |
| Memphis, TN-MS-AR | 6 | $ 2,310,000 | $ 385,000 | $ 116,000 |
| Yuma, AZ | 6 | $ 1,600,000 | $ 266,666 | $ 220,000 |
| Amarillo, TX | 5 | $ 1,615,000 | $ 323,000 | $ 148,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 1,215,000 | $ 243,000 | $ 269,000 |
| Chattanooga, TN-GA | 5 | $ 1,045,000 | $ 209,000 | $ 169,200 |
| Cincinnati, OH-KY-IN | 5 | $ 655,000 | $ 131,000 | $ 226,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 865,000 | $ 173,000 | $ 146,000 |
| Joplin, MO | 5 | $ 295,000 | $ 59,000 | $ 176,600 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,145,000 | $ 229,000 | $ 170,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,575,000 | $ 315,000 | $ 106,800 |
| Austin-Round Rock, TX | 4 | $ 1,250,000 | $ 312,500 | $ 135,000 |
| Baton Rouge, LA | 4 | $ 560,000 | $ 140,000 | $ 113,000 |
| Champaign-Urbana, IL | 4 | $ 960,000 | $ 240,000 | $ 170,000 |
| Charleston-North Charleston, SC | 4 | $ 760,000 | $ 190,000 | $ 109,000 |
| Enid, OK | 4 | $ 430,000 | $ 107,500 | $ 102,000 |
| Fresno, CA | 4 | $ 530,000 | $ 132,500 | $ 143,000 |
| Hot Springs, AR | 4 | $ 890,000 | $ 222,500 | $ 143,000 |
| Iowa City, IA | 4 | $ 2,150,000 | $ 537,500 | $ 217,000 |
| Kennewick-Richland, WA | 4 | $ 1,190,000 | $ 297,500 | $ 97,000 |
| Lafayette, LA | 4 | $ 220,000 | $ 55,000 | $ 99,000 |
| Lincoln, NE | 4 | $ 940,000 | $ 235,000 | $ 129,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 860,000 | $ 215,000 | $ 160,000 |
| Minot, ND | 4 | $ 510,000 | $ 127,500 | $ 96,000 |
| New Orleans-Metairie, LA | 4 | $ 920,000 | $ 230,000 | $ 163,000 |
| Richmond, VA | 4 | $ 600,000 | $ 150,000 | $ 143,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 2,410,000 | $ 602,500 | $ 248,000 |
| Rockingham County-Strafford County, NH | 4 | $ 2,550,000 | $ 637,500 | $ 704,000 |
| Topeka, KS | 4 | $ 780,000 | $ 195,000 | $ 162,000 |
| Tucson, AZ | 4 | $ 990,000 | $ 247,500 | $ 136,000 |
| Tulsa, OK | 4 | $ 340,000 | $ 85,000 | $ 223,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,430,000 | $ 357,500 | $ 181,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 970,000 | $ 242,500 | $ 236,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 765,000 | $ 255,000 | $ 247,000 |
| Appleton, WI | 3 | $ 225,000 | $ 75,000 | $ 80,000 |
| Beckley, WV | 3 | $ 295,000 | $ 98,333 | $ 82,000 |
| Burlington, NC | 3 | $ 475,000 | $ 158,333 | $ 147,000 |
| Clarksville, TN-KY | 3 | $ 515,000 | $ 171,666 | $ 66,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 295,000 | $ 98,333 | $ 144,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 755,000 | $ 251,666 | $ 107,000 |
| Eau Claire, WI | 3 | $ 565,000 | $ 188,333 | $ 104,000 |
| Fort Collins, CO | 3 | $ 935,000 | $ 311,666 | $ 98,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 875,000 | $ 291,666 | $ 119,000 |
| Green Bay, WI | 3 | $ 985,000 | $ 328,333 | $ 187,000 |
| Jacksonville, FL | 3 | $ 1,255,000 | $ 418,333 | $ 198,000 |
| Janesville-Beloit, WI | 3 | $ 385,000 | $ 128,333 | $ 132,000 |
| Kalamazoo-Portage, MI | 3 | $ 1,415,000 | $ 471,666 | $ 131,000 |
| Lake Charles, LA | 3 | $ 335,000 | $ 111,666 | $ 47,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 845,000 | $ 281,666 | $ 190,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 275,000 | $ 91,666 | $ 290,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 525,000 | $ 175,000 | $ 209,000 |
| Provo-Orem, UT | 3 | $ 535,000 | $ 178,333 | $ 155,000 |
| Sioux Falls, SD | 3 | $ 755,000 | $ 251,666 | $ 74,000 |
| Tampa, FL | 3 | $ 625,000 | $ 208,333 | $ 112,000 |
| Toledo, OH | 3 | $ 275,000 | $ 91,666 | $ 115,000 |
| Tyler, TX | 3 | $ 195,000 | $ 65,000 | $ 93,000 |
| Wilmington, NC | 3 | $ 565,000 | $ 188,333 | $ 123,000 |
| Albany, GA | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 230,000 | $ 115,000 | $ 154,000 |
| Albuquerque, NM | 2 | $ 310,000 | $ 155,000 | $ 126,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,110,000 | $ 555,000 | $ 405,000 |
| Beaumont-Port Arthur, TX | 2 | $ 440,000 | $ 220,000 | $ 79,000 |
| Bellingham, WA | 2 | $ 790,000 | $ 395,000 | $ 153,000 |
| Bismarck, ND | 2 | $ 590,000 | $ 295,000 | $ 128,000 |
| Colorado Springs, CO | 2 | $ 980,000 | $ 490,000 | $ 141,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,370,000 | $ 685,000 | $ 284,000 |
| El Centro, CA | 2 | $ 290,000 | $ 145,000 | $ 141,000 |
| Fort Smith, AR-OK | 2 | $ 400,000 | $ 200,000 | $ 131,000 |
| Grand Island, NE | 2 | $ 450,000 | $ 225,000 | $ 97,000 |
| Grand Junction, CO | 2 | $ 340,000 | $ 170,000 | $ 103,000 |
| Greeley, CO | 2 | $ 720,000 | $ 360,000 | $ 89,000 |
| Greenville, NC | 2 | $ 350,000 | $ 175,000 | $ 116,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 150,000 | $ 75,000 | $ 93,000 |
| Hinesville, GA | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Huntsville, AL | 2 | $ 650,000 | $ 325,000 | $ 169,000 |
| Idaho Falls, ID | 2 | $ 310,000 | $ 155,000 | $ 101,000 |
| Killeen-Temple, TX | 2 | $ 470,000 | $ 235,000 | $ 105,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 510,000 | $ 255,000 | $ 59,000 |
| Lafayette-West Lafayette, IN | 2 | $ 220,000 | $ 110,000 | $ 161,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 700,000 | $ 350,000 | $ 135,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 200,000 | $ 100,000 | $ 129,000 |
| Lubbock, TX | 2 | $ 390,000 | $ 195,000 | $ 163,000 |
| Mankato-North Mankato, MN | 2 | $ 480,000 | $ 240,000 | $ 169,000 |
| Mansfield, OH | 2 | $ 190,000 | $ 95,000 | $ 94,000 |
| Midland, TX | 2 | $ 460,000 | $ 230,000 | $ 299,000 |
| Mobile, AL | 2 | $ 130,000 | $ 65,000 | $ 88,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 540,000 | $ 270,000 | $ 139,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 280,000 | $ 140,000 | $ 317,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 620,000 | $ 310,000 | $ 104,000 |
| Oklahoma City, OK | 2 | $ 440,000 | $ 220,000 | $ 171,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 250,000 | $ 125,000 | $ 262,000 |
| Parkersburg-Vienna, WV | 2 | $ 170,000 | $ 85,000 | $ 58,000 |
| Pittsburgh, PA | 2 | $ 110,000 | $ 55,000 | $ 123,000 |
| Providence-Warwick, RI-MA | 2 | $ 240,000 | $ 120,000 | $ 100,000 |
| Reno, NV | 2 | $ 860,000 | $ 430,000 | $ 243,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 120,000 | $ 60,000 | $ 157,000 |
| Salt Lake City, UT | 2 | $ 300,000 | $ 150,000 | $ 350,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 490,000 | $ 245,000 | $ 125,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 200,000 | $ 100,000 | $ 202,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 770,000 | $ 385,000 | $ 311,000 |
| Watertown-Fort Drum, NY | 2 | $ 780,000 | $ 390,000 | $ 237,000 |
| Yakima, WA | 2 | $ 300,000 | $ 150,000 | $ 339,000 |
| York-Hanover, PA | 2 | $ 290,000 | $ 145,000 | $ 210,000 |
| Abilene, TX | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Alexandria, LA | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Ann Arbor, MI | 1 | $ 155,000 | $ 155,000 | $ 170,000 |
| Billings, MT | 1 | $ 395,000 | $ 395,000 | $ 154,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 405,000 | $ 405,000 | $ 107,000 |
| Bloomington, IL | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Bloomington, IN | 1 | $ 445,000 | $ 445,000 | $ 267,000 |
| Boise City, ID | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Boulder, CO | 1 | $ 395,000 | $ 395,000 | $ 78,000 |
| Bozeman, MT | 1 | $ 255,000 | $ 255,000 | $ 276,000 |
| Brunswick, GA | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 85,000 | $ 85,000 | $ 295,000 |
| Charlottesville, VA | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| College Station-Bryan, TX | 1 | $ 385,000 | $ 385,000 | $ 209,000 |
| Columbia, MO | 1 | $ 245,000 | $ 245,000 | $ 143,000 |
| Corpus Christi, TX | 1 | $ 225,000 | $ 225,000 | $ 406,000 |
| Dothan, AL | 1 | $ 225,000 | $ 225,000 | $ 253,000 |
| Duluth, MN-WI | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 65,000 | $ 65,000 | $ 171,000 |
| Flagstaff, AZ | 1 | $ 205,000 | $ 205,000 | $ 202,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Fort Wayne, IN | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Glens Falls, NY | 1 | $ 75,000 | $ 75,000 | $ 155,000 |
| Grand Forks, ND-MN | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Jefferson City, MO | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Johnson City, TN | 1 | $ 415,000 | $ 415,000 | $ 110,000 |
| Knoxville, TN | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 255,000 | $ 255,000 | $ 215,000 |
| Lansing-East Lansing, MI | 1 | $ 295,000 | $ 295,000 | $ 153,000 |
| Lawrence, KS | 1 | $ 155,000 | $ 155,000 | $ 216,000 |
| Lexington Park, MD | 1 | $ 485,000 | $ 485,000 | $ 110,000 |
| Modesto, CA | 1 | $ 605,000 | $ 605,000 | $ 309,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Newark, NJ-PA | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Niles-Benton Harbor, MI | 1 | $ 325,000 | $ 325,000 | $ 420,000 |
| Norwich-New London, CT | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Odessa, TX | 1 | $ 305,000 | $ 305,000 | $ 146,000 |
| Oshkosh-Neenah, WI | 1 | $ 795,000 | $ 795,000 | $ 318,000 |
| Pocatello, ID | 1 | $ 435,000 | $ 435,000 | $ 99,000 |
| Port St. Lucie, FL | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 107,000 |
| San Antonio-New Braunfels, TX | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| San Diego-Carlsbad, CA | 1 | $ 255,000 | $ 255,000 | $ 236,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 205,000 | $ 205,000 | $ 624,000 |
| Santa Fe, NM | 1 | $ 335,000 | $ 335,000 | $ 139,000 |
| Santa Rosa, CA | 1 | $ 445,000 | $ 445,000 | $ 210,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 745,000 | $ 745,000 | $ 281,000 |
| Sherman-Denison, TX | 1 | $ 85,000 | $ 85,000 | $ 300,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Sioux City, IA-NE-SD | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| St. Joseph, MO-KS | 1 | $ 405,000 | $ 405,000 | $ 139,000 |
| Stockton-Lodi, CA | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Tacoma-Lakewood, WA | 1 | $ 1,205,000 | $ 1,205,000 | $ 480,000 |
| Tallahassee, FL | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Trenton, NJ | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Walla Walla, WA | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Warner Robins, GA | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Wenatchee, WA | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Wilmington, DE-MD-NJ | 1 | $ 115,000 | $ 115,000 | $ 205,000 |
| Winchester, VA-WV | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2025
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 | 1,219 | $331,335,000 | $271,000 | $1,715,000 | $154,000 | $4,065,000 |
| Refinancing | 827 | $135,735,000 | $164,000 | $1,455,000 | $155,000 | $2,054,000 |
| Other Purpose | 751 | $62,375,000 | $83,000 | $605,000 | $123,000 | $2,198,000 |
| Home Improvement | 437 | $36,455,000 | $83,000 | $305,000 | $132,000 | $1,404,000 |
| Cash-out Refinancing | 322 | $77,010,000 | $239,000 | $1,025,000 | $124,000 | $700,000 |
| 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 | 2,007 | $400,395,000 | $199,000 | $1,715,000 | $145,000 | $2,291,000 |
| Not Provided | 1,263 | $179,365,000 | $142,000 | $1,365,000 | $135,000 | $4,065,000 |
| Hispanic | 122 | $23,810,000 | $195,000 | $765,000 | $143,000 | $2,054,000 |
| Black or African American | 79 | $14,905,000 | $188,000 | $575,000 | $133,000 | $1,440,000 |
| Asian | 64 | $20,550,000 | $321,000 | $745,000 | $184,000 | $430,000 |
| American Indian or Alaskan Native | 18 | $3,680,000 | $204,000 | $945,000 | $160,000 | $673,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $205,000 | $68,000 | $115,000 | $87,000 | $102,000 |
| 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) | 3,556 | $642,910,000 | $180,000 | $1,715,000 | $142,000 | $4,065,000 |
| 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 | 2,166 | $389,290,000 | $179,000 | $1,455,000 | $144,000 | $4,065,000 |
| Application Denied By Financial Institution | 756 | $94,390,000 | $124,000 | $775,000 | $112,000 | $2,054,000 |
| Application Withdrawn By Applicant | 501 | $125,035,000 | $249,000 | $1,715,000 | $179,000 | $2,291,000 |
| File Closed For Incompleteness | 113 | $29,715,000 | $262,000 | $945,000 | $129,000 | $673,000 |
| Application Approved But Not Accepted | 20 | $4,480,000 | $224,000 | $575,000 | $140,000 | $326,000 |
| 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 | 2,800 | $548,520,000 | $195,000 | $1,715,000 | $150,000 | $4,065,000 |
| Debt-To-Income Ratio | 291 | $41,815,000 | $143,000 | $775,000 | $86,000 | $288,000 |
| Credit History | 261 | $28,685,000 | $109,000 | $625,000 | $130,000 | $2,054,000 |
| Credit Application Incomplete | 74 | $6,170,000 | $83,000 | $275,000 | $125,000 | $900,000 |
| Collateral | 65 | $9,455,000 | $145,000 | $695,000 | $146,000 | $2,016,000 |
| Other | 46 | $5,760,000 | $125,000 | $455,000 | $111,000 | $400,000 |
| Unverifiable Information | 10 | $680,000 | $68,000 | $205,000 | $122,000 | $235,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,480,000 | $185,000 | $305,000 | $73,000 | $128,000 |
| Employment History | 1 | $345,000 | $345,000 | $345,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Empeople Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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