Empeople Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, Empeople Credit Union of Moline, IL reported 1,231 mortgage applications totaling $171.1 million. The average application was for $139,015, and applicants reported an average income of $94,239. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (362), Waterloo-Cedar Falls, IA (135) and Des Moines-West Des Moines, IA (130) (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 | 1,231 |
| Total Mortgage Loan Application Amount | $171,128,000 |
| Average Mortgage Loan Application Amount | $139,015 |
| Highest Mortgage Loan Application Amount | $784,000 |
| Average Applicant Income | $94,239 |
| Highest Applicant Income | $515,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davenport-Moline-Rock Island, IA-IL | 362 | $ 44,285,000 | $ 122,334 | $ 96,447 |
| Waterloo-Cedar Falls, IA | 135 | $ 15,946,000 | $ 118,118 | $ 84,000 |
| Des Moines-West Des Moines, IA | 130 | $ 15,986,000 | $ 122,969 | $ 101,000 |
| Raleigh-Cary, NC | 49 | $ 9,617,000 | $ 196,265 | $ 119,000 |
| Kansas City, MO-KS | 30 | $ 6,877,000 | $ 229,233 | $ 112,333 |
| Augusta-Richmond County, GA-SC | 16 | $ 2,231,000 | $ 139,437 | $ 90,000 |
| Greenville-Mauldin-Easley, SC | 13 | $ 853,000 | $ 65,615 | $ 98,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 1,591,000 | $ 176,777 | $ 68,000 |
| Madison, WI | 9 | $ 1,082,000 | $ 120,222 | $ 85,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 2,102,000 | $ 262,750 | $ 138,000 |
| Houma-Bayou Cane-Thibodaux, LA | 7 | $ 982,000 | $ 140,285 | $ 84,000 |
| Dubuque, IA | 6 | $ 999,000 | $ 166,500 | $ 124,000 |
| Dallas-Plano-Irving, TX | 5 | $ 313,000 | $ 62,600 | $ 117,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 821,000 | $ 164,200 | $ 123,000 |
| Winston-Salem, NC | 5 | $ 202,000 | $ 40,400 | $ 42,000 |
| Phoenix-Mesa-Glendale, AZ | 4 | $ 409,000 | $ 102,250 | $ 68,000 |
| Spartanburg, SC | 4 | $ 414,000 | $ 103,500 | $ 75,000 |
| Iowa City, IA | 3 | $ 644,000 | $ 214,666 | $ 118,000 |
| Ames, IA | 2 | $ 110,000 | $ 55,000 | $ 58,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 319,000 | $ 159,500 | $ 98,000 |
| Cedar Rapids, IA | 2 | $ 232,000 | $ 116,000 | $ 84,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 201,000 | $ 100,500 | $ 59,000 |
| Fargo, ND-MN | 2 | $ 248,000 | $ 124,000 | $ 81,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 269,000 | $ 134,500 | $ 104,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 397,000 | $ 198,500 | $ 99,000 |
| Johnson City, TN | 2 | $ 566,000 | $ 283,000 | $ 125,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 150,000 | $ 75,000 | $ 170,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 654,000 | $ 327,000 | $ 155,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 420,000 | $ 210,000 | $ 102,000 |
| St. Louis, MO-IL | 2 | $ 212,000 | $ 106,000 | $ 106,000 |
| Stockton, CA | 2 | $ 21,000 | $ 10,500 | $ 74,000 |
| Wilmington, NC | 2 | $ 405,000 | $ 202,500 | $ 335,000 |
| Birmingham-Hoover, AL | 1 | $ 292,000 | $ 292,000 | $ 101,000 |
| Bloomington-Normal, IL | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Burlington, NC | 1 | $ 247,000 | $ 247,000 | $ 78,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 51,000 | $ 51,000 | $ 200,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 82,000 | $ 82,000 | $ 47,000 |
| Champaign-Urbana, IL | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Columbus, OH | 1 | $ 152,000 | $ 152,000 | $ 154,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 247,000 | $ 247,000 | $ 104,000 |
| Durham-Chapel Hill, NC | 1 | $ 320,000 | $ 320,000 | $ 104,000 |
| Eau Claire, WI | 1 | $ 156,000 | $ 156,000 | $ 71,000 |
| El Paso, TX | 1 | $ 128,000 | $ 128,000 | $ 69,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 8,000 | $ 8,000 | $ 43,000 |
| Jackson, MS | 1 | $ 158,000 | $ 158,000 | $ 73,000 |
| Muskegon-Norton Shores, MI | 1 | $ 25,000 | $ 25,000 | $ 191,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Peoria, IL | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Port St. Lucie, FL | 1 | $ 252,000 | $ 252,000 | $ 141,000 |
| Racine, WI | 1 | $ 200,000 | $ 200,000 | $ 221,000 |
| Richmond, VA | 1 | $ 116,000 | $ 116,000 | $ 186,000 |
| Salt Lake City, UT | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| San Antonio-New Braunfels, TX | 1 | $ 13,000 | $ 13,000 | $ 40,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 74,000 | $ 74,000 | $ 127,000 |
| Valdosta, GA | 1 | $ 218,000 | $ 218,000 | $ 81,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2010
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 | 596 | $90,970,000 | $152,000 | $784,000 | $95,000 | $515,000 |
| Refinancing | 518 | $77,857,000 | $150,000 | $610,000 | $95,000 | $515,000 |
| Home Improvement | 117 | $2,301,000 | $19,000 | $99,000 | $87,000 | $391,000 |
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 | 893 | $136,938,000 | $153,000 | $784,000 | $92,000 | $425,000 |
| Not Provided | 266 | $23,044,000 | $86,000 | $417,000 | $99,000 | $500,000 |
| Hispanic | 29 | $3,321,000 | $114,000 | $333,000 | $68,000 | $161,000 |
| Asian | 25 | $4,986,000 | $199,000 | $392,000 | $138,000 | $515,000 |
| Black or African American | 17 | $2,574,000 | $151,000 | $338,000 | $85,000 | $183,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $85,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,231 | $171,128,000 | $139,000 | $784,000 | $94,000 | $515,000 |
| 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 | 859 | $112,804,000 | $131,000 | $784,000 | $97,000 | $515,000 |
| Application Withdrawn By Applicant | 118 | $22,231,000 | $188,000 | $610,000 | $104,000 | $515,000 |
| Preapproval Approved but not Accepted | 96 | $17,093,000 | $178,000 | $568,000 | $84,000 | $188,000 |
| Application Denied By Financial Institution | 86 | $9,848,000 | $114,000 | $417,000 | $76,000 | $228,000 |
| Preapproval Denied by Financial Institution | 35 | $4,319,000 | $123,000 | $261,000 | $59,000 | $101,000 |
| File Closed For Incompleteness | 21 | $2,715,000 | $129,000 | $312,000 | $95,000 | $240,000 |
| Application Approved But Not Accepted | 16 | $2,118,000 | $132,000 | $330,000 | $83,000 | $136,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 26 | $1,934,000 | $74,000 | $260,000 | $81,000 | $148,000 |
| Debt-To-Income Ratio | 9 | $644,000 | $71,000 | $155,000 | $38,000 | $55,000 |
| Collateral | 8 | $1,015,000 | $126,000 | $191,000 | $90,000 | $113,000 |
| Credit Application Incomplete | 4 | $529,000 | $132,000 | $214,000 | $117,000 | $228,000 |
| Other | 3 | $533,000 | $177,000 | $266,000 | $72,000 | $85,000 |
| Unverifiable Information | 1 | $54,000 | $54,000 | $54,000 | $27,000 | $27,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2010 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About