Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Empeople Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Empeople Credit Union 3950 38Th Avenue Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 3,128 |
| Total Mortgage Loan Application Amount | $480,860,000 |
| Average Mortgage Loan Application Amount | $132,600 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $121,800 |
| Highest Applicant Income | $2,710,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Empeople Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Empeople Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Empeople Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Empeople Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Empeople Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Empeople Credit Union's mortgage activity for 2019.
| 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 | 834 | $ 122,520,000 | $ 144,000 | $ 125,000 |
| NA (OUTSIDE OF MSA/MD) | 545 | $ 65,015,000 | $ 134,625 | $ 105,031 |
| DES MOINES-WEST DES MOINES, IA | 357 | $ 57,585,000 | $ 161,000 | $ 122,000 |
| WATERLOO-CEDAR FALLS, IA | 243 | $ 26,795,000 | $ 110,000 | $ 109,000 |
| KANSAS CITY, MO-KS | 89 | $ 17,115,000 | $ 190,000 | $ 124,000 |
| DUBUQUE, IA | 63 | $ 9,245,000 | $ 146,000 | $ 105,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 62 | $ 11,920,000 | $ 167,500 | $ 102,500 |
| FARGO, ND-MN | 61 | $ 8,755,000 | $ 131,000 | $ 117,000 |
| RALEIGH, NC | 60 | $ 12,460,000 | $ 207,000 | $ 129,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 31 | $ 5,585,000 | $ 180,000 | $ 107,000 |
| WINSTON-SALEM, NC | 31 | $ 2,755,000 | $ 88,000 | $ 123,000 |
| MADISON, WI | 28 | $ 6,270,000 | $ 223,000 | $ 172,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 27 | $ 4,855,000 | $ 191,000 | $ 116,000 |
| HOUMA-THIBODAUX, LA | 26 | $ 4,950,000 | $ 190,000 | $ 119,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 24 | $ 1,850,000 | $ 77,000 | $ 106,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 24 | $ 5,740,000 | $ 155,500 | $ 165,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 24 | $ 5,410,000 | $ 225,000 | $ 129,000 |
| SPRINGFIELD, MO | 22 | $ 2,270,000 | $ 103,000 | $ 90,000 |
| CEDAR RAPIDS, IA | 18 | $ 2,800,000 | $ 155,000 | $ 92,000 |
| DENVER-AURORA-LAKEWOOD, CO | 18 | $ 4,880,000 | $ 271,000 | $ 123,000 |
| AMES, IA | 16 | $ 2,330,000 | $ 145,000 | $ 104,000 |
| CHICAGO-NAPERVILLE, IL | 15 | $ 5,105,000 | $ 340,000 | $ 160,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 14 | $ 2,580,000 | $ 184,000 | $ 176,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 14 | $ 3,170,000 | $ 226,000 | $ 135,000 |
| COLUMBUS, OH | 13 | $ 2,275,000 | $ 175,000 | $ 140,000 |
| DALLAS-PLANO-IRVING, TX | 13 | $ 2,435,000 | $ 187,000 | $ 227,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 11 | $ 2,795,000 | $ 254,000 | $ 304,000 |
| OKLAHOMA CITY, OK | 10 | $ 1,820,000 | $ 182,000 | $ 113,000 |
| CAPE CORAL-FORT MYERS, FL | 9 | $ 1,875,000 | $ 208,000 | $ 121,000 |
| DURHAM-CHAPEL HILL, NC | 9 | $ 2,475,000 | $ 275,000 | $ 115,000 |
| FAYETTEVILLE, NC | 9 | $ 1,515,000 | $ 168,000 | $ 89,000 |
| GREENSBORO-HIGH POINT, NC | 9 | $ 1,395,000 | $ 155,000 | $ 137,000 |
| JONESBORO, AR | 9 | $ 1,365,000 | $ 151,000 | $ 202,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 9 | $ 1,405,000 | $ 156,000 | $ 155,000 |
| JACKSON, TN | 8 | $ 470,000 | $ 58,000 | $ 71,000 |
| PITTSBURGH, PA | 8 | $ 2,300,000 | $ 287,000 | $ 101,000 |
| SAN DIEGO-CARLSBAD, CA | 8 | $ 1,950,000 | $ 243,000 | $ 135,000 |
| ST. LOUIS, MO-IL | 8 | $ 910,000 | $ 127,000 | $ 88,000 |
| FOND DU LAC, WI | 7 | $ 1,115,000 | $ 159,000 | $ 97,000 |
| HAMMOND, LA | 7 | $ 695,000 | $ 99,000 | $ 47,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 7 | $ 1,475,000 | $ 210,000 | $ 169,000 |
| SPARTANBURG, SC | 7 | $ 645,000 | $ 92,000 | $ 63,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 7 | $ 915,000 | $ 130,000 | $ 135,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 6 | $ 1,220,000 | $ 203,000 | $ 94,000 |
| ELGIN, IL | 6 | $ 560,000 | $ 93,000 | $ 147,000 |
| IDAHO FALLS, ID | 6 | $ 1,490,000 | $ 248,000 | $ 89,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 6 | $ 980,000 | $ 224,000 | $ 118,000 |
| LINCOLN, NE | 6 | $ 780,000 | $ 130,000 | $ 90,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 6 | $ 2,230,000 | $ 371,000 | $ 435,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 5 | $ 2,055,000 | $ 411,000 | $ 113,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 1,545,000 | $ 309,000 | $ 119,000 |
| JOPLIN, MO | 5 | $ 465,000 | $ 93,000 | $ 124,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 5 | $ 1,875,000 | $ 375,000 | $ 107,500 |
| RICHMOND, VA | 5 | $ 1,415,000 | $ 283,000 | $ 127,000 |
| TACOMA-LAKEWOOD, WA | 5 | $ 1,435,000 | $ 287,000 | $ 79,000 |
| WICHITA, KS | 5 | $ 1,195,000 | $ 239,000 | $ 331,000 |
| COLUMBIA, MO | 4 | $ 400,000 | $ 100,000 | $ 70,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 4 | $ 830,000 | $ 207,000 | $ 96,000 |
| GRAND RAPIDS-WYOMING, MI | 4 | $ 1,080,000 | $ 270,000 | $ 332,000 |
| IOWA CITY, IA | 4 | $ 990,000 | $ 247,000 | $ 202,000 |
| JEFFERSON CITY, MO | 4 | $ 740,000 | $ 185,000 | $ 60,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 4 | $ 600,000 | $ 150,000 | $ 84,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 4 | $ 750,000 | $ 187,000 | $ 328,000 |
| MANCHESTER-NASHUA, NH | 4 | $ 920,000 | $ 230,000 | $ 116,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 4 | $ 550,000 | $ 137,000 | $ 162,000 |
| NEW ORLEANS-METAIRIE, LA | 4 | $ 120,000 | $ 30,000 | $ 72,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 4 | $ 860,000 | $ 215,000 | $ 115,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 440,000 | $ 110,000 | $ 19,000 |
| PEORIA, IL | 4 | $ 480,000 | $ 120,000 | $ 80,000 |
| YUMA, AZ | 4 | $ 560,000 | $ 140,000 | $ 51,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 3 | $ 435,000 | $ 145,000 | $ 69,000 |
| BIRMINGHAM-HOOVER, AL | 3 | $ 515,000 | $ 171,000 | $ 93,000 |
| BLOOMINGTON, IL | 3 | $ 195,000 | $ 65,000 | $ 109,000 |
| CINCINNATI, OH-KY-IN | 3 | $ 645,000 | $ 215,000 | $ 155,000 |
| COLORADO SPRINGS, CO | 3 | $ 415,000 | $ 138,000 | $ 77,000 |
| EVANSVILLE, IN-KY | 3 | $ 455,000 | $ 151,000 | $ 93,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 3 | $ 875,000 | $ 291,000 | $ 64,000 |
| FORT COLLINS, CO | 3 | $ 775,000 | $ 258,000 | $ 375,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 3 | $ 395,000 | $ 131,000 | $ 147,000 |
| LAFAYETTE, LA | 3 | $ 265,000 | $ 88,000 | $ 88,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 3 | $ 445,000 | $ 148,000 | $ 84,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 3 | $ 545,000 | $ 170,000 | $ 63,000 |
| MACON-BIBB COUNTY, GA | 3 | $ 515,000 | $ 171,000 | $ 162,000 |
| MEMPHIS, TN-MS-AR | 3 | $ 375,000 | $ 125,000 | $ 89,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 1,115,000 | $ 371,000 | $ 96,000 |
| NEW HAVEN-MILFORD, CT | 3 | $ 435,000 | $ 145,000 | $ 110,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 3 | $ 865,000 | $ 288,000 | $ 128,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 3 | $ 465,000 | $ 155,000 | $ 112,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 3 | $ 785,000 | $ 261,000 | $ 101,000 |
| SHERMAN-DENISON, TX | 3 | $ 345,000 | $ 115,000 | $ 82,000 |
| SPRINGFIELD, IL | 3 | $ 575,000 | $ 191,000 | $ 170,000 |
| TUCSON, AZ | 3 | $ 455,000 | $ 151,000 | $ 128,000 |
| TULSA, OK | 3 | $ 385,000 | $ 128,000 | $ 80,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 3 | $ 685,000 | $ 228,000 | $ 516,000 |
| ALBANY-SCHENECTADY-TROY, NY | 2 | $ 480,000 | $ 240,000 | $ 100,000 |
| AUSTIN-ROUND ROCK, TX | 2 | $ 710,000 | $ 355,000 | $ 182,000 |
| BANGOR, ME | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| BATON ROUGE, LA | 2 | $ 270,000 | $ 135,000 | $ 164,000 |
| BURLINGTON, NC | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| CAPE GIRARDEAU, MO-IL | 2 | $ 520,000 | $ 260,000 | $ 150,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 2 | $ 620,000 | $ 310,000 | $ 104,000 |
| CLEVELAND-ELYRIA, OH | 2 | $ 590,000 | $ 295,000 | $ 70,000 |
| EL CENTRO, CA | 2 | $ 360,000 | $ 180,000 | $ 108,000 |
| FORT WAYNE, IN | 2 | $ 350,000 | $ 175,000 | $ 133,000 |
| FRESNO, CA | 2 | $ 340,000 | $ 170,000 | $ 110,000 |
| GRAND JUNCTION, CO | 2 | $ 90,000 | $ 45,000 | $ 163,000 |
| HARRISBURG-CARLISLE, PA | 2 | $ 260,000 | $ 130,000 | $ 159,000 |
| HATTIESBURG, MS | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| HICKORY-LENOIR-MORGANTON, NC | 2 | $ 360,000 | $ 180,000 | $ 138,000 |
| JACKSON, MS | 2 | $ 560,000 | $ 280,000 | $ 120,000 |
| JACKSONVILLE, FL | 2 | $ 310,000 | $ 155,000 | $ 651,000 |
| JANESVILLE-BELOIT, WI | 2 | $ 460,000 | $ 230,000 | $ 117,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 2 | $ 370,000 | $ 185,000 | $ 124,000 |
| MODESTO, CA | 2 | $ 640,000 | $ 320,000 | $ 937,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 2 | $ 70,000 | $ 35,000 | $ 96,000 |
| OLYMPIA-TUMWATER, WA | 2 | $ 110,000 | $ 55,000 | $ 158,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| SAGINAW, MI | 2 | $ 250,000 | $ 125,000 | $ 120,000 |
| STOCKTON-LODI, CA | 2 | $ 390,000 | $ 195,000 | $ 157,000 |
| TOLEDO, OH | 2 | $ 440,000 | $ 220,000 | $ 150,000 |
| WACO, TX | 2 | $ 720,000 | $ 360,000 | $ 295,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 2 | $ 90,000 | $ 45,000 | $ 96,000 |
| WILMINGTON, NC | 2 | $ 160,000 | $ 80,000 | $ 108,000 |
| ALBANY, OR | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| ALBUQUERQUE, NM | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| AMARILLO, TX | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 535,000 | $ 535,000 | $ 355,000 |
| BAKERSFIELD, CA | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
| BILLINGS, MT | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| BISMARCK, ND | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 15,000 | $ 15,000 | $ 140,000 |
| BLOOMINGTON, IN | 1 | $ 145,000 | $ 145,000 | $ 271,000 |
| BOISE CITY, ID | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| BOWLING GREEN, KY | 1 | $ 315,000 | $ 315,000 | $ 1,603,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 1 | $ 85,000 | $ 85,000 | $ 124,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 295,000 | $ 295,000 | $ 154,000 |
| CHATTANOOGA, TN-GA | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| CHEYENNE, WY | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| COLUMBIA, SC | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| DOVER, DE | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| EL PASO, TX | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| ERIE, PA | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| EUGENE, OR | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| FORT SMITH, AR-OK | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| GRAND FORKS, ND-MN | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| HOT SPRINGS, AR | 1 | $ 195,000 | $ 195,000 | $ 152,000 |
| ITHACA, NY | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| LAWRENCE, KS | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| MADERA, CA | 1 | $ 275,000 | $ 275,000 | $ 109,000 |
| MONROE, LA | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| MORGANTOWN, WV | 1 | $ 25,000 | $ 25,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 1 | $ 15,000 | $ 15,000 | $ 222,000 |
| PANAMA CITY, FL | 1 | $ 15,000 | $ 15,000 | $ 71,000 |
| PORT ST. LUCIE, FL | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| PORTLAND-SOUTH PORTLAND, ME | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| PUNTA GORDA, FL | 1 | $ 215,000 | $ 215,000 | $ 214,000 |
| RACINE, WI | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| RAPID CITY, SD | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| ROCKFORD, IL | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| SALT LAKE CITY, UT | 1 | $ 605,000 | $ 605,000 | $ 108,000 |
| SAN ANGELO, TX | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| SANTA CRUZ-WATSONVILLE, CA | 1 | $ 45,000 | $ 45,000 | $ 172,000 |
| SAVANNAH, GA | 1 | $ 185,000 | $ 185,000 | $ 38,000 |
| SYRACUSE, NY | 1 | $ 105,000 | $ 105,000 | $ 152,000 |
| TERRE HAUTE, IN | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| THE VILLAGES, FL | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| TOPEKA, KS | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| TUSCALOOSA, AL | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 75,000 | $ 75,000 | $ 175,000 |
| WILMINGTON, DE-MD-NJ | 1 | $ 285,000 | $ 285,000 | $ 64,000 |
| WORCESTER, MA-CT | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| YAKIMA, WA | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2019
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 | 1,307 | $257,095,000 | $196,000 | $1,115,000 | $118,000 | $1,800,000 |
| Refinancing | 630 | $88,260,000 | $140,000 | $1,285,000 | $155,000 | $2,710,000 |
| Other Purpose | 524 | $40,500,000 | $77,000 | $485,000 | $102,000 | $516,000 |
| Cash-out Refinancing | 419 | $80,155,000 | $191,000 | $825,000 | $122,000 | $1,603,000 |
| Home Improvement | 248 | $14,850,000 | $59,000 | $445,000 | $112,000 | $900,000 |
| 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 | 2,072 | $336,060,000 | $162,000 | $905,000 | $122,000 | $2,016,000 |
| Not Provided | 849 | $106,175,000 | $125,000 | $1,115,000 | $123,000 | $2,710,000 |
| Hispanic | 76 | $12,100,000 | $159,000 | $605,000 | $104,000 | $288,000 |
| Black or African American | 57 | $10,345,000 | $181,000 | $1,285,000 | $158,000 | $2,510,000 |
| Asian | 48 | $12,740,000 | $265,000 | $655,000 | $122,000 | $341,000 |
| American Indian or Alaskan Native | 11 | $1,185,000 | $107,000 | $225,000 | $107,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $585,000 | $195,000 | $255,000 | $69,000 | $81,000 |
| 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) | 3,128 | $480,860,000 | $153,000 | $1,285,000 | $122,000 | $2,710,000 |
| 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 | 2,004 | $299,550,000 | $149,000 | $1,115,000 | $119,000 | $1,690,000 |
| Application Denied By Financial Institution | 439 | $49,365,000 | $112,000 | $735,000 | $94,000 | $2,710,000 |
| Application Withdrawn By Applicant | 418 | $85,310,000 | $204,000 | $1,285,000 | $155,000 | $2,510,000 |
| File Closed For Incompleteness | 205 | $41,705,000 | $203,000 | $605,000 | $148,000 | $1,800,000 |
| Application Approved But Not Accepted | 62 | $4,930,000 | $79,000 | $445,000 | $119,000 | $1,000,000 |
| 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 | 2,689 | $431,495,000 | $160,000 | $1,285,000 | $127,000 | $2,510,000 |
| Credit History | 173 | $18,265,000 | $105,000 | $425,000 | $98,000 | $1,913,000 |
| Debt-To-Income Ratio | 119 | $11,645,000 | $97,000 | $485,000 | $74,000 | $263,000 |
| Collateral | 56 | $6,500,000 | $116,000 | $485,000 | $97,000 | $510,000 |
| Other | 51 | $7,735,000 | $151,000 | $735,000 | $148,000 | $2,710,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,545,000 | $133,000 | $265,000 | $58,000 | $156,000 |
| Unverifiable Information | 12 | $1,590,000 | $132,000 | $355,000 | $89,000 | $204,000 |
| Credit Application Incomplete | 8 | $950,000 | $118,000 | $205,000 | $49,000 | $72,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $81,000 | $81,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2019 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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with aggregated HMDA statistics today.