Empeople Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, Empeople Credit Union of Moline, IL reported 1,183 mortgage applications totaling $105.2 million, up 6% from 2014. The average application was for $88,896, and applicants reported an average income of $94,267. 70% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (388), Des Moines-West Des Moines, IA (134) and Waterloo-Cedar Falls, IA (112) (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 | 1,183 |
| Total Mortgage Loan Application Amount | $105,165,000 |
| Average Mortgage Loan Application Amount | $88,896 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $94,267 |
| Highest Applicant Income | $780,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 388 | $ 35,726,000 | $ 92,077 | $ 94,662 |
| Des Moines-West Des Moines, IA | 134 | $ 15,080,000 | $ 112,537 | $ 105,000 |
| Waterloo-Cedar Falls, IA | 112 | $ 6,427,000 | $ 57,383 | $ 86,000 |
| Fargo, ND-MN | 25 | $ 2,211,000 | $ 88,440 | $ 85,800 |
| Raleigh, NC | 24 | $ 3,190,000 | $ 132,916 | $ 135,000 |
| Dubuque, IA | 19 | $ 2,750,000 | $ 144,736 | $ 91,000 |
| Greenville-Anderson-Mauldin, SC | 18 | $ 1,224,000 | $ 68,000 | $ 57,000 |
| Kansas City, MO-KS | 18 | $ 2,308,000 | $ 128,222 | $ 119,000 |
| Augusta-Richmond County, GA-SC | 17 | $ 1,498,000 | $ 88,117 | $ 77,000 |
| Winston-Salem, NC | 17 | $ 750,000 | $ 44,117 | $ 79,000 |
| Spartanburg, SC | 14 | $ 525,000 | $ 37,500 | $ 60,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 1,055,000 | $ 117,222 | $ 94,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,130,000 | $ 125,555 | $ 100,000 |
| Houma-Thibodaux, LA | 9 | $ 765,000 | $ 85,000 | $ 96,000 |
| Greensboro-High Point, NC | 8 | $ 235,000 | $ 29,375 | $ 60,000 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 1,397,000 | $ 199,571 | $ 157,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 778,000 | $ 111,142 | $ 146,000 |
| Ames, IA | 6 | $ 342,000 | $ 57,000 | $ 74,000 |
| Cedar Rapids, IA | 5 | $ 274,000 | $ 54,800 | $ 89,000 |
| Madison, WI | 5 | $ 266,000 | $ 53,200 | $ 103,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 480,000 | $ 120,000 | $ 84,000 |
| Janesville-Beloit, WI | 4 | $ 180,000 | $ 45,000 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 877,000 | $ 219,250 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 685,000 | $ 171,250 | $ 135,000 |
| Springfield, MO | 4 | $ 24,000 | $ 6,000 | $ 54,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 316,000 | $ 105,333 | $ 83,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 497,000 | $ 165,666 | $ 155,000 |
| Elgin, IL | 3 | $ 80,000 | $ 26,666 | $ 88,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 566,000 | $ 188,666 | $ 126,666 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 634,000 | $ 211,333 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 428,000 | $ 142,666 | $ 137,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 65,000 | $ 21,666 | $ 102,333 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 318,000 | $ 106,000 | $ 81,000 |
| Austin-Round Rock, TX | 2 | $ 58,000 | $ 29,000 | $ 159,000 |
| Burlington, NC | 2 | $ 145,000 | $ 72,500 | $ 71,000 |
| Columbus, OH | 2 | $ 125,000 | $ 62,500 | $ 128,000 |
| Eau Claire, WI | 2 | $ 378,000 | $ 189,000 | $ 95,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 135,000 | $ 67,500 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 668,000 | $ 334,000 | $ 348,000 |
| Fort Wayne, IN | 2 | $ 120,000 | $ 60,000 | $ 99,000 |
| Greeley, CO | 2 | $ 28,000 | $ 14,000 | $ 103,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 352,000 | $ 176,000 | $ 119,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 355,000 | $ 177,500 | $ 99,000 |
| Iowa City, IA | 2 | $ 401,000 | $ 200,500 | $ 75,000 |
| Johnson City, TN | 2 | $ 10,000 | $ 5,000 | $ 47,000 |
| Knoxville, TN | 2 | $ 7,000 | $ 3,500 | $ 32,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 599,000 | $ 299,500 | $ 193,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 93,000 | $ 46,500 | $ 108,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 157,000 | $ 78,500 | $ 78,000 |
| Mobile, AL | 2 | $ 53,000 | $ 26,500 | $ 55,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 240,000 | $ 120,000 | $ 29,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 425,000 | $ 212,500 | $ 204,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 600,000 | $ 300,000 | $ 156,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 160,000 | $ 80,000 | $ 86,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 10,000 | $ 10,000 | $ 118,000 |
| Birmingham-Hoover, AL | 1 | $ 286,000 | $ 286,000 | $ 181,000 |
| Bismarck, ND | 1 | $ 8,000 | $ 8,000 | $ 71,000 |
| Champaign-Urbana, IL | 1 | $ 123,000 | $ 123,000 | $ 131,000 |
| Charleston-North Charleston, SC | 1 | $ 44,000 | $ 44,000 | $ 93,000 |
| Columbia, MO | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 8,000 | $ 8,000 | $ 61,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| Fond Du Lac, WI | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Fort Collins, CO | 1 | $ 258,000 | $ 258,000 | $ 86,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Harrisburg-Carlisle, PA | 1 | $ 40,000 | $ 40,000 | $ 126,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 178,000 | $ 178,000 | $ 89,000 |
| Jonesboro, AR | 1 | $ 17,000 | $ 17,000 | $ 51,000 |
| Joplin, MO | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Lansing-East Lansing, MI | 1 | $ 140,000 | $ 140,000 | $ 98,000 |
| Memphis, TN-MS-AR | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Monroe, LA | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
| Morristown, TN | 1 | $ 8,000 | $ 8,000 | $ 631,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 296,000 | $ 296,000 | $ 112,000 |
| New Orleans-Metairie, LA | 1 | $ 80,000 | $ 80,000 | $ 169,000 |
| Niles-Benton Harbor, MI | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Odessa, TX | 1 | $ 7,000 | $ 7,000 | $ 58,000 |
| Oklahoma City, OK | 1 | $ 193,000 | $ 193,000 | $ 196,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Port St. Lucie, FL | 1 | $ 7,000 | $ 7,000 | $ 50,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 63,000 | $ 63,000 | $ 79,000 |
| San Diego-Carlsbad, CA | 1 | $ 10,000 | $ 10,000 | $ 94,000 |
| Sioux Falls, SD | 1 | $ 30,000 | $ 30,000 | $ 149,000 |
| St. Cloud, MN | 1 | $ 8,000 | $ 8,000 | $ 184,000 |
| St. Louis, MO-IL | 1 | $ 390,000 | $ 390,000 | $ 317,000 |
| Stockton-Lodi, CA | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| The Villages, FL | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Toledo, OH | 1 | $ 211,000 | $ 211,000 | $ 97,000 |
| Victoria, TX | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Wausau, WI | 1 | $ 3,000 | $ 3,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2015
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 Improvement | 414 | $5,061,000 | $12,000 | $126,000 | $80,000 | $780,000 |
| Refinancing | 391 | $43,342,000 | $110,000 | $415,000 | $99,000 | $584,000 |
| Home Purchase | 378 | $56,762,000 | $150,000 | $660,000 | $105,000 | $355,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 767 | $42,273,000 | $55,000 | $660,000 | $93,000 | $780,000 |
| White | 383 | $57,855,000 | $151,000 | $417,000 | $98,000 | $344,000 |
| Asian | 14 | $2,786,000 | $199,000 | $417,000 | $130,000 | $256,000 |
| Hispanic | 11 | $1,211,000 | $110,000 | $299,000 | $78,000 | $116,000 |
| Black or African American | 7 | $910,000 | $130,000 | $274,000 | $68,000 | $148,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $114,000 | $114,000 |
| 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) | 1,183 | $105,165,000 | $88,000 | $660,000 | $94,000 | $780,000 |
| 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 | 829 | $56,909,000 | $68,000 | $417,000 | $94,000 | $780,000 |
| Application Denied By Financial Institution | 189 | $21,003,000 | $111,000 | $660,000 | $81,000 | $284,000 |
| File Closed For Incompleteness | 141 | $23,786,000 | $168,000 | $417,000 | $109,000 | $322,000 |
| Application Withdrawn By Applicant | 22 | $3,079,000 | $139,000 | $417,000 | $122,000 | $315,000 |
| Application Approved But Not Accepted | 2 | $388,000 | $194,000 | $295,000 | $76,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 68 | $4,195,000 | $61,000 | $660,000 | $71,000 | $175,000 |
| Debt-To-Income Ratio | 46 | $5,450,000 | $118,000 | $348,000 | $63,000 | $133,000 |
| Credit Application Incomplete | 29 | $6,525,000 | $225,000 | $628,000 | $123,000 | $277,000 |
| Collateral | 20 | $2,275,000 | $113,000 | $211,000 | $81,000 | $142,000 |
| Other | 12 | $1,473,000 | $122,000 | $327,000 | $84,000 | $284,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $495,000 | $99,000 | $126,000 | $83,000 | $139,000 |
| Employment History | 3 | $113,000 | $37,000 | $60,000 | $103,000 | $184,000 |
| Unverifiable Information | 1 | $409,000 | $409,000 | $409,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2015 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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