Empeople Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Empeople Credit Union of Moline, IL reported 4,793 mortgage applications totaling $869.7 million, up 53% from 2019. The average application was for $181,459, and applicants reported an average income of $129,205. 59% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (1,253), Des Moines-West Des Moines, IA (508) and Waterloo-Cedar Falls, IA (305) (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 | 4,793 |
| Total Mortgage Loan Application Amount | $869,735,000 |
| Average Mortgage Loan Application Amount | $181,459 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $129,205 |
| Highest Applicant Income | $4,416,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,253 | $ 203,245,000 | $ 162,206 | $ 130,486 |
| Outside any metro area | 852 | $ 122,350,000 | $ 143,603 | $ 114,185 |
| Des Moines-West Des Moines, IA | 508 | $ 100,670,000 | $ 198,169 | $ 134,000 |
| Waterloo-Cedar Falls, IA | 305 | $ 45,725,000 | $ 149,918 | $ 108,000 |
| Dubuque, IA | 138 | $ 23,170,000 | $ 167,898 | $ 110,000 |
| Raleigh, NC | 131 | $ 31,885,000 | $ 243,396 | $ 142,000 |
| Kansas City, MO-KS | 130 | $ 31,610,000 | $ 243,153 | $ 169,315 |
| Fargo, ND-MN | 113 | $ 21,795,000 | $ 192,876 | $ 137,176 |
| Augusta-Richmond County, GA-SC | 79 | $ 15,465,000 | $ 195,759 | $ 114,987 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 46 | $ 9,880,000 | $ 214,782 | $ 121,347 |
| Chicago-Naperville, IL | 43 | $ 10,205,000 | $ 237,325 | $ 153,000 |
| Greenville-Anderson-Mauldin, SC | 39 | $ 5,345,000 | $ 137,051 | $ 98,000 |
| Atlanta-Sandy Springs-Roswell, GA | 36 | $ 8,020,000 | $ 222,777 | $ 111,000 |
| Dallas-Plano-Irving, TX | 33 | $ 6,815,000 | $ 206,515 | $ 128,000 |
| Ames, IA | 32 | $ 5,220,000 | $ 163,125 | $ 208,000 |
| Madison, WI | 29 | $ 6,805,000 | $ 234,655 | $ 124,000 |
| Phoenix-Mesa-Scottsdale, AZ | 28 | $ 6,400,000 | $ 228,571 | $ 162,000 |
| Denver-Aurora-Lakewood, CO | 27 | $ 9,645,000 | $ 357,222 | $ 276,000 |
| Springfield, MO | 25 | $ 2,905,000 | $ 116,200 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 24 | $ 6,150,000 | $ 256,250 | $ 129,500 |
| Cedar Rapids, IA | 22 | $ 4,190,000 | $ 190,454 | $ 110,000 |
| Winston-Salem, NC | 22 | $ 4,400,000 | $ 200,000 | $ 114,000 |
| Fort Worth-Arlington, TX | 21 | $ 5,085,000 | $ 242,142 | $ 142,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 4,340,000 | $ 217,000 | $ 108,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 20 | $ 4,990,000 | $ 249,500 | $ 149,000 |
| Fayetteville, NC | 19 | $ 2,805,000 | $ 147,631 | $ 98,000 |
| Houma-Thibodaux, LA | 17 | $ 2,645,000 | $ 155,588 | $ 111,000 |
| St. Louis, MO-IL | 17 | $ 2,255,000 | $ 132,647 | $ 107,882 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 4,235,000 | $ 249,117 | $ 386,000 |
| Greensboro-High Point, NC | 16 | $ 2,520,000 | $ 157,500 | $ 89,000 |
| Omaha-Council Bluffs, NE-IA | 15 | $ 2,235,000 | $ 149,000 | $ 109,600 |
| Baton Rouge, LA | 14 | $ 2,200,000 | $ 157,142 | $ 127,000 |
| Jonesboro, AR | 14 | $ 2,700,000 | $ 192,857 | $ 123,000 |
| Durham-Chapel Hill, NC | 13 | $ 3,995,000 | $ 307,307 | $ 224,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 2,710,000 | $ 225,833 | $ 141,000 |
| Spartanburg, SC | 12 | $ 1,570,000 | $ 130,833 | $ 167,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 2,255,000 | $ 205,000 | $ 138,000 |
| Columbus, OH | 11 | $ 2,515,000 | $ 228,636 | $ 128,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 3,025,000 | $ 275,000 | $ 265,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 2,265,000 | $ 205,909 | $ 86,000 |
| San Diego-Carlsbad, CA | 11 | $ 4,125,000 | $ 375,000 | $ 181,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 2,780,000 | $ 278,000 | $ 133,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 2,010,000 | $ 201,000 | $ 92,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 3,030,000 | $ 303,000 | $ 163,500 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,645,000 | $ 293,888 | $ 134,000 |
| Fond Du Lac, WI | 9 | $ 1,125,000 | $ 125,000 | $ 146,000 |
| Iowa City, IA | 9 | $ 1,365,000 | $ 151,666 | $ 162,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,055,000 | $ 228,333 | $ 191,000 |
| Portland-South Portland, ME | 9 | $ 2,885,000 | $ 320,555 | $ 147,000 |
| Prescott Valley-Prescott, AZ | 9 | $ 2,025,000 | $ 225,000 | $ 99,000 |
| Boise City, ID | 8 | $ 1,370,000 | $ 171,250 | $ 238,000 |
| Peoria, IL | 8 | $ 1,490,000 | $ 186,250 | $ 158,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 1,550,000 | $ 193,750 | $ 119,125 |
| Baltimore-Columbia-Towson, MD | 7 | $ 1,855,000 | $ 265,000 | $ 180,000 |
| Burlington, NC | 7 | $ 895,000 | $ 127,857 | $ 106,000 |
| Cincinnati, OH-KY-IN | 7 | $ 1,075,000 | $ 153,571 | $ 162,000 |
| El Centro, CA | 7 | $ 1,315,000 | $ 187,857 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,425,000 | $ 203,571 | $ 117,000 |
| Knoxville, TN | 7 | $ 2,265,000 | $ 323,571 | $ 150,000 |
| Memphis, TN-MS-AR | 7 | $ 1,425,000 | $ 203,571 | $ 127,571 |
| Richmond, VA | 7 | $ 1,655,000 | $ 236,428 | $ 124,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 3,200,000 | $ 533,333 | $ 201,000 |
| Beckley, WV | 6 | $ 620,000 | $ 103,333 | $ 134,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 910,000 | $ 151,666 | $ 65,000 |
| Elgin, IL | 6 | $ 1,310,000 | $ 218,333 | $ 142,000 |
| Fort Collins, CO | 6 | $ 1,240,000 | $ 206,666 | $ 99,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 1,090,000 | $ 181,666 | $ 134,000 |
| Jackson, TN | 6 | $ 800,000 | $ 133,333 | $ 89,000 |
| Janesville-Beloit, WI | 6 | $ 610,000 | $ 101,666 | $ 125,000 |
| Lafayette, LA | 6 | $ 1,070,000 | $ 178,333 | $ 117,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,160,000 | $ 360,000 | $ 126,000 |
| New Orleans-Metairie, LA | 6 | $ 1,110,000 | $ 185,000 | $ 92,000 |
| Oklahoma City, OK | 6 | $ 1,300,000 | $ 216,666 | $ 164,000 |
| Rochester, MN | 6 | $ 1,130,000 | $ 188,333 | $ 119,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,390,000 | $ 231,666 | $ 150,000 |
| Tulsa, OK | 6 | $ 1,410,000 | $ 235,000 | $ 128,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 1,170,000 | $ 195,000 | $ 124,000 |
| Wichita, KS | 6 | $ 1,150,000 | $ 191,666 | $ 132,000 |
| Austin-Round Rock, TX | 5 | $ 1,455,000 | $ 291,000 | $ 90,000 |
| Jacksonville, FL | 5 | $ 1,225,000 | $ 245,000 | $ 72,000 |
| Joplin, MO | 5 | $ 975,000 | $ 195,000 | $ 60,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,425,000 | $ 285,000 | $ 154,800 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,055,000 | $ 211,000 | $ 100,000 |
| Salt Lake City, UT | 5 | $ 1,935,000 | $ 387,000 | $ 148,000 |
| Stockton-Lodi, CA | 5 | $ 1,095,000 | $ 219,000 | $ 114,000 |
| Champaign-Urbana, IL | 4 | $ 1,040,000 | $ 260,000 | $ 113,000 |
| Columbia, SC | 4 | $ 790,000 | $ 197,500 | $ 106,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 540,000 | $ 135,000 | $ 132,000 |
| Greeley, CO | 4 | $ 1,630,000 | $ 407,500 | $ 189,000 |
| Jackson, MS | 4 | $ 520,000 | $ 130,000 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,250,000 | $ 312,500 | $ 144,000 |
| Modesto, CA | 4 | $ 640,000 | $ 160,000 | $ 91,000 |
| Oshkosh-Neenah, WI | 4 | $ 950,000 | $ 237,500 | $ 184,000 |
| Reno, NV | 4 | $ 1,510,000 | $ 377,500 | $ 117,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,030,000 | $ 257,500 | $ 85,000 |
| Valdosta, GA | 4 | $ 790,000 | $ 197,500 | $ 116,000 |
| Visalia-Porterville, CA | 4 | $ 630,000 | $ 157,500 | $ 362,000 |
| Wilmington, NC | 4 | $ 720,000 | $ 180,000 | $ 126,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 445,000 | $ 148,333 | $ 119,000 |
| Asheville, NC | 3 | $ 755,000 | $ 251,666 | $ 107,000 |
| Birmingham-Hoover, AL | 3 | $ 785,000 | $ 261,666 | $ 105,000 |
| Bloomington, IL | 3 | $ 495,000 | $ 165,000 | $ 107,000 |
| Eau Claire, WI | 3 | $ 495,000 | $ 165,000 | $ 88,000 |
| Evansville, IN-KY | 3 | $ 365,000 | $ 121,666 | $ 75,666 |
| Gary, IN | 3 | $ 965,000 | $ 321,666 | $ 182,000 |
| Glens Falls, NY | 3 | $ 945,000 | $ 315,000 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 345,000 | $ 115,000 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 445,000 | $ 148,333 | $ 112,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,095,000 | $ 365,000 | $ 146,000 |
| Jacksonville, NC | 3 | $ 385,000 | $ 128,333 | $ 114,000 |
| Lafayette-West Lafayette, IN | 3 | $ 545,000 | $ 181,666 | $ 95,000 |
| Lawrence, KS | 3 | $ 835,000 | $ 278,333 | $ 133,000 |
| Lincoln, NE | 3 | $ 405,000 | $ 135,000 | $ 61,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 585,000 | $ 195,000 | $ 113,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 445,000 | $ 148,333 | $ 100,666 |
| Lubbock, TX | 3 | $ 505,000 | $ 168,333 | $ 62,000 |
| Manhattan, KS | 3 | $ 555,000 | $ 185,000 | $ 287,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 655,000 | $ 218,333 | $ 45,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 615,000 | $ 205,000 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 465,000 | $ 155,000 | $ 78,000 |
| Philadelphia, PA | 3 | $ 655,000 | $ 218,333 | $ 101,000 |
| Port St. Lucie, FL | 3 | $ 175,000 | $ 58,333 | $ 132,000 |
| Rockford, IL | 3 | $ 605,000 | $ 201,666 | $ 112,000 |
| St. Cloud, MN | 3 | $ 655,000 | $ 218,333 | $ 105,000 |
| St. Joseph, MO-KS | 3 | $ 145,000 | $ 48,333 | $ 90,666 |
| Syracuse, NY | 3 | $ 345,000 | $ 115,000 | $ 134,000 |
| Toledo, OH | 3 | $ 435,000 | $ 145,000 | $ 105,000 |
| Worcester, MA-CT | 3 | $ 1,025,000 | $ 341,666 | $ 183,000 |
| Albany, GA | 2 | $ 160,000 | $ 80,000 | $ 93,000 |
| Albuquerque, NM | 2 | $ 450,000 | $ 225,000 | $ 100,000 |
| Auburn-Opelika, AL | 2 | $ 270,000 | $ 135,000 | $ 111,000 |
| Bangor, ME | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Bismarck, ND | 2 | $ 260,000 | $ 130,000 | $ 105,000 |
| Charleston-North Charleston, SC | 2 | $ 440,000 | $ 220,000 | $ 83,000 |
| Chattanooga, TN-GA | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Clarksville, TN-KY | 2 | $ 390,000 | $ 195,000 | $ 75,000 |
| Cleveland-Elyria, OH | 2 | $ 580,000 | $ 290,000 | $ 118,000 |
| Colorado Springs, CO | 2 | $ 290,000 | $ 145,000 | $ 84,000 |
| Decatur, IL | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Fresno, CA | 2 | $ 700,000 | $ 350,000 | $ 84,000 |
| Grand Junction, CO | 2 | $ 410,000 | $ 205,000 | $ 137,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 450,000 | $ 225,000 | $ 118,000 |
| Idaho Falls, ID | 2 | $ 110,000 | $ 55,000 | $ 71,000 |
| Killeen-Temple, TX | 2 | $ 170,000 | $ 85,000 | $ 161,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 330,000 | $ 165,000 | $ 85,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 360,000 | $ 180,000 | $ 159,000 |
| Lancaster, PA | 2 | $ 750,000 | $ 375,000 | $ 116,000 |
| Lansing-East Lansing, MI | 2 | $ 280,000 | $ 140,000 | $ 113,000 |
| Laredo, TX | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Macon-Bibb County, GA | 2 | $ 290,000 | $ 145,000 | $ 96,000 |
| Madera, CA | 2 | $ 600,000 | $ 300,000 | $ 148,000 |
| New Haven-Milford, CT | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Newark, NJ-PA | 2 | $ 500,000 | $ 250,000 | $ 128,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 970,000 | $ 485,000 | $ 265,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 720,000 | $ 360,000 | $ 245,000 |
| Parkersburg-Vienna, WV | 2 | $ 280,000 | $ 140,000 | $ 86,000 |
| Pine Bluff, AR | 2 | $ 120,000 | $ 60,000 | $ 108,000 |
| Pittsburgh, PA | 2 | $ 270,000 | $ 135,000 | $ 141,000 |
| Provo-Orem, UT | 2 | $ 470,000 | $ 235,000 | $ 120,000 |
| Reading, PA | 2 | $ 270,000 | $ 135,000 | $ 111,000 |
| Salisbury, MD-DE | 2 | $ 300,000 | $ 150,000 | $ 86,000 |
| San Antonio-New Braunfels, TX | 2 | $ 500,000 | $ 250,000 | $ 102,000 |
| Sheboygan, WI | 2 | $ 180,000 | $ 90,000 | $ 95,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 100,000 | $ 50,000 | $ 100,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 900,000 | $ 450,000 | $ 67,000 |
| Tacoma-Lakewood, WA | 2 | $ 800,000 | $ 400,000 | $ 156,000 |
| Tallahassee, FL | 2 | $ 330,000 | $ 165,000 | $ 238,000 |
| Topeka, KS | 2 | $ 240,000 | $ 120,000 | $ 39,000 |
| Trenton, NJ | 2 | $ 820,000 | $ 410,000 | $ 131,000 |
| Tucson, AZ | 2 | $ 550,000 | $ 275,000 | $ 130,000 |
| Tuscaloosa, AL | 2 | $ 370,000 | $ 185,000 | $ 84,000 |
| Tyler, TX | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Waco, TX | 2 | $ 590,000 | $ 295,000 | $ 211,000 |
| Wilmington, DE-MD-NJ | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| York-Hanover, PA | 2 | $ 100,000 | $ 50,000 | $ 171,000 |
| Yuma, AZ | 2 | $ 210,000 | $ 105,000 | $ 87,000 |
| Abilene, TX | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Amarillo, TX | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Ann Arbor, MI | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Appleton, WI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bakersfield, CA | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Billings, MT | 1 | $ 225,000 | $ 225,000 | $ 169,000 |
| Bloomington, IN | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Boulder, CO | 1 | $ 345,000 | $ 345,000 | $ 173,000 |
| Bowling Green, KY | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Camden, NJ | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 455,000 | $ 455,000 | $ 195,000 |
| Dothan, AL | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Dover, DE | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| El Paso, TX | 1 | $ 55,000 | $ 55,000 | $ 157,000 |
| Flagstaff, AZ | 1 | $ 415,000 | $ 415,000 | $ 126,000 |
| Fort Smith, AR-OK | 1 | $ 195,000 | $ 195,000 | $ 25,000 |
| Gainesville, FL | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Grand Forks, ND-MN | 1 | $ 155,000 | $ 155,000 | $ 199,000 |
| Grand Island, NE | 1 | $ 325,000 | $ 325,000 | $ 73,000 |
| Great Falls, MT | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Greenville, NC | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Hanford-Corcoran, CA | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Harrisburg-Carlisle, PA | 1 | $ 265,000 | $ 265,000 | $ 270,000 |
| Kennewick-Richland, WA | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| Lexington-Fayette, KY | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Lima, OH | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Logan, UT-ID | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Lynchburg, VA | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Manchester-Nashua, NH | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Mankato-North Mankato, MN | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Monroe, MI | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Morristown, TN | 1 | $ 465,000 | $ 465,000 | $ 142,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 245,000 | $ 245,000 | $ 284,000 |
| Muskegon, MI | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| New York-Newark, NY | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Niles-Benton Harbor, MI | 1 | $ 295,000 | $ 295,000 | $ 241,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Olympia-Tumwater, WA | 1 | $ 135,000 | $ 135,000 | $ 129,000 |
| Pocatello, ID | 1 | $ 305,000 | $ 305,000 | $ 182,000 |
| Rapid City, SD | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Rome, GA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| San Angelo, TX | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 855,000 | $ 855,000 | $ 190,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 575,000 | $ 575,000 | $ 175,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 515,000 | $ 515,000 | $ 320,000 |
| Santa Rosa, CA | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Sioux Falls, SD | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
| Spokane-Spokane Valley, WA | 1 | $ 625,000 | $ 625,000 | $ 156,000 |
| Springfield, IL | 1 | $ 205,000 | $ 205,000 | $ 207,000 |
| Terre Haute, IN | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| The Villages, FL | 1 | $ 385,000 | $ 385,000 | $ 145,000 |
| Twin Falls, ID | 1 | $ 395,000 | $ 395,000 | $ 125,000 |
| Victoria, TX | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,938 | $357,370,000 | $184,000 | $905,000 | $140,000 | $4,344,000 |
| Home Purchase | 1,318 | $280,720,000 | $212,000 | $785,000 | $112,000 | $2,640,000 |
| Cash-out Refinancing | 924 | $193,510,000 | $209,000 | $1,405,000 | $139,000 | $4,416,000 |
| Other Purpose | 346 | $21,380,000 | $61,000 | $305,000 | $116,000 | $641,000 |
| Home Improvement | 267 | $16,755,000 | $62,000 | $605,000 | $119,000 | $325,000 |
| 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 | 3,327 | $623,515,000 | $187,000 | $1,405,000 | $125,000 | $4,416,000 |
| Not Provided | 1,103 | $171,915,000 | $155,000 | $805,000 | $145,000 | $3,720,000 |
| Hispanic | 126 | $24,240,000 | $192,000 | $755,000 | $106,000 | $666,000 |
| Asian | 104 | $27,830,000 | $267,000 | $855,000 | $140,000 | $398,000 |
| Black or African American | 98 | $17,280,000 | $176,000 | $615,000 | $97,000 | $358,000 |
| American Indian or Alaskan Native | 24 | $4,030,000 | $167,000 | $385,000 | $146,000 | $1,208,000 |
| 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) | 4,793 | $869,735,000 | $181,000 | $1,405,000 | $129,000 | $4,416,000 |
| 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 | 2,831 | $496,895,000 | $175,000 | $905,000 | $119,000 | $1,002,000 |
| Application Withdrawn By Applicant | 943 | $199,495,000 | $211,000 | $1,405,000 | $174,000 | $4,416,000 |
| Application Denied By Financial Institution | 500 | $66,760,000 | $133,000 | $905,000 | $95,000 | $1,802,000 |
| File Closed For Incompleteness | 465 | $94,155,000 | $202,000 | $855,000 | $125,000 | $1,224,000 |
| Application Approved But Not Accepted | 54 | $12,430,000 | $230,000 | $765,000 | $120,000 | $337,000 |
| 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 | 4,293 | $802,975,000 | $187,000 | $1,405,000 | $132,000 | $4,416,000 |
| Credit History | 205 | $26,135,000 | $127,000 | $435,000 | $97,000 | $1,208,000 |
| Debt-To-Income Ratio | 129 | $17,795,000 | $137,000 | $695,000 | $74,000 | $228,000 |
| Other | 51 | $8,055,000 | $157,000 | $905,000 | $107,000 | $342,000 |
| Collateral | 37 | $4,365,000 | $117,000 | $485,000 | $107,000 | $229,000 |
| Credit Application Incomplete | 30 | $2,310,000 | $77,000 | $255,000 | $118,000 | $420,000 |
| Unverifiable Information | 24 | $5,040,000 | $210,000 | $455,000 | $189,000 | $1,802,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,495,000 | $131,000 | $265,000 | $69,000 | $118,000 |
| Employment History | 3 | $275,000 | $91,000 | $135,000 | $38,000 | $99,000 |
| Mortgage Insurance Denied | 2 | $290,000 | $145,000 | $155,000 | $84,000 | $85,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2020 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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