Empeople Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Empeople Credit Union of Moline, IL reported 3,128 mortgage applications totaling $480.9 million, up 13% from 2018. The average application was for $153,727, and applicants reported an average income of $122,831. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (834), Des Moines-West Des Moines, IA (357) and Waterloo-Cedar Falls, IA (243) (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 | 3,128 |
| Total Mortgage Loan Application Amount | $480,860,000 |
| Average Mortgage Loan Application Amount | $153,727 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $122,831 |
| Highest Applicant Income | $2,710,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 834 | $ 122,520,000 | $ 146,906 | $ 126,378 |
| Outside any metro area | 545 | $ 65,015,000 | $ 119,293 | $ 103,521 |
| Des Moines-West Des Moines, IA | 357 | $ 57,585,000 | $ 161,302 | $ 122,000 |
| Waterloo-Cedar Falls, IA | 243 | $ 26,795,000 | $ 110,267 | $ 109,000 |
| Kansas City, MO-KS | 89 | $ 17,115,000 | $ 192,303 | $ 126,921 |
| Dubuque, IA | 63 | $ 9,245,000 | $ 146,746 | $ 105,000 |
| Augusta-Richmond County, GA-SC | 62 | $ 11,920,000 | $ 192,258 | $ 107,951 |
| Fargo, ND-MN | 61 | $ 8,755,000 | $ 143,524 | $ 133,803 |
| Raleigh, NC | 60 | $ 12,460,000 | $ 207,666 | $ 129,000 |
| Milwaukee-Waukesha-West Allis, WI | 31 | $ 5,585,000 | $ 180,161 | $ 107,000 |
| Winston-Salem, NC | 31 | $ 2,755,000 | $ 88,870 | $ 123,000 |
| Madison, WI | 28 | $ 6,270,000 | $ 223,928 | $ 172,000 |
| Charlotte-Concord-Gastonia, NC-SC | 27 | $ 4,855,000 | $ 179,814 | $ 117,888 |
| Houma-Thibodaux, LA | 26 | $ 4,950,000 | $ 190,384 | $ 119,000 |
| Greenville-Anderson-Mauldin, SC | 24 | $ 1,850,000 | $ 77,083 | $ 106,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 5,740,000 | $ 239,166 | $ 173,250 |
| Phoenix-Mesa-Scottsdale, AZ | 24 | $ 5,410,000 | $ 225,416 | $ 129,000 |
| Springfield, MO | 22 | $ 2,270,000 | $ 103,181 | $ 90,000 |
| Cedar Rapids, IA | 18 | $ 2,800,000 | $ 155,555 | $ 92,000 |
| Denver-Aurora-Lakewood, CO | 18 | $ 4,880,000 | $ 271,111 | $ 123,000 |
| Ames, IA | 16 | $ 2,330,000 | $ 145,625 | $ 104,000 |
| Chicago-Naperville, IL | 15 | $ 5,105,000 | $ 340,333 | $ 160,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 2,580,000 | $ 184,285 | $ 176,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 3,170,000 | $ 226,428 | $ 135,000 |
| Columbus, OH | 13 | $ 2,275,000 | $ 175,000 | $ 140,000 |
| Dallas-Plano-Irving, TX | 13 | $ 2,435,000 | $ 187,307 | $ 227,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 2,795,000 | $ 254,090 | $ 304,000 |
| Oklahoma City, OK | 10 | $ 1,820,000 | $ 182,000 | $ 113,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,875,000 | $ 208,333 | $ 121,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,475,000 | $ 275,000 | $ 115,000 |
| Fayetteville, NC | 9 | $ 1,515,000 | $ 168,333 | $ 89,000 |
| Greensboro-High Point, NC | 9 | $ 1,395,000 | $ 155,000 | $ 137,000 |
| Jonesboro, AR | 9 | $ 1,365,000 | $ 151,666 | $ 202,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,405,000 | $ 156,111 | $ 155,000 |
| Jackson, TN | 8 | $ 470,000 | $ 58,750 | $ 71,000 |
| Pittsburgh, PA | 8 | $ 2,300,000 | $ 287,500 | $ 101,000 |
| San Diego-Carlsbad, CA | 8 | $ 1,950,000 | $ 243,750 | $ 135,000 |
| St. Louis, MO-IL | 8 | $ 910,000 | $ 113,750 | $ 82,250 |
| Fond Du Lac, WI | 7 | $ 1,115,000 | $ 159,285 | $ 97,000 |
| Hammond, LA | 7 | $ 695,000 | $ 99,285 | $ 47,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,475,000 | $ 210,714 | $ 169,000 |
| Spartanburg, SC | 7 | $ 645,000 | $ 92,142 | $ 63,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 915,000 | $ 130,714 | $ 135,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,220,000 | $ 203,333 | $ 94,000 |
| Elgin, IL | 6 | $ 560,000 | $ 93,333 | $ 147,000 |
| Idaho Falls, ID | 6 | $ 1,490,000 | $ 248,333 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 980,000 | $ 163,333 | $ 142,666 |
| Lincoln, NE | 6 | $ 780,000 | $ 130,000 | $ 90,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,230,000 | $ 371,666 | $ 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 | $ 108,400 |
| 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 | $ 207,500 | $ 96,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,080,000 | $ 270,000 | $ 332,000 |
| Iowa City, IA | 4 | $ 990,000 | $ 247,500 | $ 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 | $ 187,500 | $ 328,000 |
| Manchester-Nashua, NH | 4 | $ 920,000 | $ 230,000 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 550,000 | $ 137,500 | $ 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 | $ 171,666 | $ 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 | $ 138,333 | $ 77,000 |
| Evansville, IN-KY | 3 | $ 455,000 | $ 151,666 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 875,000 | $ 291,666 | $ 64,000 |
| Fort Collins, CO | 3 | $ 775,000 | $ 258,333 | $ 375,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 395,000 | $ 131,666 | $ 147,000 |
| Lafayette, LA | 3 | $ 265,000 | $ 88,333 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 445,000 | $ 148,333 | $ 84,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 545,000 | $ 181,666 | $ 64,000 |
| Macon-Bibb County, GA | 3 | $ 515,000 | $ 171,666 | $ 162,000 |
| Memphis, TN-MS-AR | 3 | $ 375,000 | $ 125,000 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,115,000 | $ 371,666 | $ 96,000 |
| New Haven-Milford, CT | 3 | $ 435,000 | $ 145,000 | $ 110,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 865,000 | $ 288,333 | $ 128,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 465,000 | $ 155,000 | $ 112,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 785,000 | $ 261,666 | $ 101,000 |
| Sherman-Denison, TX | 3 | $ 345,000 | $ 115,000 | $ 82,000 |
| Springfield, IL | 3 | $ 575,000 | $ 191,666 | $ 170,000 |
| Tucson, AZ | 3 | $ 455,000 | $ 151,666 | $ 128,000 |
| Tulsa, OK | 3 | $ 385,000 | $ 128,333 | $ 80,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 685,000 | $ 228,333 | $ 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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