Empeople Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Empeople Credit Union of Moline, IL reported 4,455 mortgage applications totaling $824.7 million, down 7% from 2020. The average application was for $185,127, and applicants reported an average income of $121,513. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (934), Des Moines-West Des Moines, IA (402) and Waterloo-Cedar Falls, IA (259) (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 | 4,455 |
| Total Mortgage Loan Application Amount | $824,745,000 |
| Average Mortgage Loan Application Amount | $185,127 |
| Highest Mortgage Loan Application Amount | $18,875,000 |
| Average Applicant Income | $121,513 |
| Highest Applicant Income | $3,084,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 934 | $ 145,860,000 | $ 156,167 | $ 117,768 |
| Outside any metro area | 922 | $ 136,210,000 | $ 147,733 | $ 111,244 |
| Des Moines-West Des Moines, IA | 402 | $ 84,420,000 | $ 210,000 | $ 137,000 |
| Waterloo-Cedar Falls, IA | 259 | $ 36,225,000 | $ 139,864 | $ 98,000 |
| Portland-South Portland, ME | 203 | $ 46,045,000 | $ 226,822 | $ 113,000 |
| Kansas City, MO-KS | 111 | $ 26,295,000 | $ 236,891 | $ 137,837 |
| Dubuque, IA | 98 | $ 15,650,000 | $ 159,693 | $ 119,000 |
| Augusta-Richmond County, GA-SC | 87 | $ 15,125,000 | $ 173,850 | $ 107,586 |
| Raleigh, NC | 87 | $ 19,735,000 | $ 226,839 | $ 134,000 |
| Fargo, ND-MN | 77 | $ 14,015,000 | $ 182,012 | $ 147,857 |
| Springfield, MO | 54 | $ 7,380,000 | $ 136,666 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 45 | $ 11,675,000 | $ 259,444 | $ 139,000 |
| Winston-Salem, NC | 42 | $ 5,270,000 | $ 125,476 | $ 90,000 |
| Bangor, ME | 37 | $ 6,185,000 | $ 167,162 | $ 86,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 33 | $ 8,455,000 | $ 256,212 | $ 142,000 |
| Atlanta-Sandy Springs-Roswell, GA | 31 | $ 8,145,000 | $ 262,741 | $ 146,000 |
| Chicago-Naperville, IL | 29 | $ 5,665,000 | $ 195,344 | $ 174,000 |
| Milwaukee-Waukesha-West Allis, WI | 25 | $ 6,725,000 | $ 269,000 | $ 173,000 |
| Greensboro-High Point, NC | 22 | $ 3,570,000 | $ 162,272 | $ 156,000 |
| Houma-Thibodaux, LA | 22 | $ 3,480,000 | $ 158,181 | $ 133,000 |
| Houston-The Woodlands-Sugar Land, TX | 22 | $ 5,790,000 | $ 263,181 | $ 139,000 |
| Ames, IA | 20 | $ 22,290,000 | $ 1,114,500 | $ 114,000 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 3,980,000 | $ 199,000 | $ 102,900 |
| Dallas-Plano-Irving, TX | 20 | $ 5,010,000 | $ 250,500 | $ 109,000 |
| Denver-Aurora-Lakewood, CO | 20 | $ 5,500,000 | $ 275,000 | $ 182,000 |
| Greenville-Anderson-Mauldin, SC | 20 | $ 2,890,000 | $ 144,500 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 5,840,000 | $ 292,000 | $ 144,000 |
| Omaha-Council Bluffs, NE-IA | 17 | $ 2,525,000 | $ 148,529 | $ 105,411 |
| Cape Coral-Fort Myers, FL | 16 | $ 3,970,000 | $ 248,125 | $ 145,000 |
| Madison, WI | 16 | $ 3,390,000 | $ 211,875 | $ 114,000 |
| Cedar Rapids, IA | 15 | $ 2,525,000 | $ 168,333 | $ 198,000 |
| Columbus, OH | 14 | $ 3,080,000 | $ 220,000 | $ 132,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 2,235,000 | $ 171,923 | $ 137,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 3,045,000 | $ 234,230 | $ 113,000 |
| Anaheim-Santa Ana-Irvine, CA | 12 | $ 4,980,000 | $ 415,000 | $ 189,000 |
| Fayetteville, NC | 12 | $ 1,670,000 | $ 139,166 | $ 101,000 |
| Fond Du Lac, WI | 12 | $ 2,110,000 | $ 175,833 | $ 132,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 4,040,000 | $ 336,666 | $ 111,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 12 | $ 4,250,000 | $ 354,166 | $ 128,333 |
| Cincinnati, OH-KY-IN | 11 | $ 1,925,000 | $ 175,000 | $ 127,545 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,145,000 | $ 195,000 | $ 204,000 |
| Lewiston-Auburn, ME | 11 | $ 1,565,000 | $ 142,272 | $ 59,000 |
| St. Louis, MO-IL | 11 | $ 2,515,000 | $ 228,636 | $ 123,818 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 11 | $ 2,435,000 | $ 221,363 | $ 150,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,990,000 | $ 299,000 | $ 144,000 |
| Elgin, IL | 10 | $ 1,630,000 | $ 163,000 | $ 106,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 2,450,000 | $ 245,000 | $ 122,000 |
| Memphis, TN-MS-AR | 10 | $ 1,680,000 | $ 168,000 | $ 121,500 |
| Jackson, TN | 9 | $ 975,000 | $ 108,333 | $ 70,000 |
| Peoria, IL | 9 | $ 985,000 | $ 109,444 | $ 76,000 |
| Johnson City, TN | 8 | $ 1,880,000 | $ 235,000 | $ 102,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,170,000 | $ 271,250 | $ 188,000 |
| Spartanburg, SC | 8 | $ 1,120,000 | $ 140,000 | $ 56,000 |
| Toledo, OH | 8 | $ 1,470,000 | $ 183,750 | $ 138,000 |
| Wichita, KS | 8 | $ 1,450,000 | $ 181,250 | $ 129,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 1,485,000 | $ 212,142 | $ 95,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,195,000 | $ 170,714 | $ 107,000 |
| Iowa City, IA | 7 | $ 1,635,000 | $ 233,571 | $ 120,000 |
| Jackson, MS | 7 | $ 1,055,000 | $ 150,714 | $ 71,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 1,875,000 | $ 267,857 | $ 154,000 |
| Tulsa, OK | 7 | $ 1,115,000 | $ 159,285 | $ 111,000 |
| Baton Rouge, LA | 6 | $ 670,000 | $ 111,666 | $ 111,000 |
| El Centro, CA | 6 | $ 1,340,000 | $ 223,333 | $ 128,000 |
| Fort Worth-Arlington, TX | 6 | $ 2,040,000 | $ 340,000 | $ 145,000 |
| Greeley, CO | 6 | $ 1,410,000 | $ 235,000 | $ 96,000 |
| Knoxville, TN | 6 | $ 1,200,000 | $ 200,000 | $ 124,000 |
| Mobile, AL | 6 | $ 1,640,000 | $ 273,333 | $ 74,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 840,000 | $ 140,000 | $ 316,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,770,000 | $ 295,000 | $ 140,000 |
| Yuma, AZ | 6 | $ 900,000 | $ 150,000 | $ 89,000 |
| Auburn-Opelika, AL | 5 | $ 655,000 | $ 131,000 | $ 113,000 |
| Austin-Round Rock, TX | 5 | $ 925,000 | $ 185,000 | $ 342,000 |
| Birmingham-Hoover, AL | 5 | $ 945,000 | $ 189,000 | $ 141,000 |
| Charleston-North Charleston, SC | 5 | $ 1,925,000 | $ 385,000 | $ 187,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,085,000 | $ 217,000 | $ 160,000 |
| Hot Springs, AR | 5 | $ 495,000 | $ 99,000 | $ 74,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,225,000 | $ 245,000 | $ 192,000 |
| Lincoln, NE | 5 | $ 1,185,000 | $ 237,000 | $ 448,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 395,000 | $ 79,000 | $ 115,000 |
| Lubbock, TX | 5 | $ 795,000 | $ 159,000 | $ 89,000 |
| New Orleans-Metairie, LA | 5 | $ 575,000 | $ 115,000 | $ 82,000 |
| Oklahoma City, OK | 5 | $ 985,000 | $ 197,000 | $ 151,000 |
| Port St. Lucie, FL | 5 | $ 1,005,000 | $ 201,000 | $ 131,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,745,000 | $ 349,000 | $ 146,000 |
| Boise City, ID | 4 | $ 600,000 | $ 150,000 | $ 77,000 |
| Fort Collins, CO | 4 | $ 830,000 | $ 207,500 | $ 164,000 |
| Janesville-Beloit, WI | 4 | $ 700,000 | $ 175,000 | $ 83,000 |
| Jonesboro, AR | 4 | $ 560,000 | $ 140,000 | $ 99,000 |
| Joplin, MO | 4 | $ 620,000 | $ 155,000 | $ 122,000 |
| Lafayette, LA | 4 | $ 490,000 | $ 122,500 | $ 79,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,070,000 | $ 517,500 | $ 194,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 970,000 | $ 242,500 | $ 219,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,300,000 | $ 575,000 | $ 223,000 |
| Roanoke, VA | 4 | $ 1,550,000 | $ 387,500 | $ 106,000 |
| Rockford, IL | 4 | $ 650,000 | $ 162,500 | $ 82,000 |
| St. Joseph, MO-KS | 4 | $ 900,000 | $ 225,000 | $ 103,750 |
| Tuscaloosa, AL | 4 | $ 640,000 | $ 160,000 | $ 64,000 |
| Wilmington, NC | 4 | $ 1,060,000 | $ 265,000 | $ 133,000 |
| Worcester, MA-CT | 4 | $ 1,080,000 | $ 270,000 | $ 105,000 |
| Appleton, WI | 3 | $ 125,000 | $ 41,666 | $ 98,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 495,000 | $ 165,000 | $ 62,000 |
| Beckley, WV | 3 | $ 455,000 | $ 151,666 | $ 140,000 |
| Bismarck, ND | 3 | $ 705,000 | $ 235,000 | $ 162,000 |
| Camden, NJ | 3 | $ 375,000 | $ 125,000 | $ 59,000 |
| Champaign-Urbana, IL | 3 | $ 455,000 | $ 151,666 | $ 81,000 |
| Chattanooga, TN-GA | 3 | $ 1,225,000 | $ 408,333 | $ 124,333 |
| Eau Claire, WI | 3 | $ 525,000 | $ 175,000 | $ 159,000 |
| Fresno, CA | 3 | $ 725,000 | $ 241,666 | $ 133,000 |
| Green Bay, WI | 3 | $ 425,000 | $ 141,666 | $ 94,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 945,000 | $ 315,000 | $ 106,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 155,000 | $ 51,666 | $ 80,000 |
| Jacksonville, FL | 3 | $ 1,155,000 | $ 385,000 | $ 216,000 |
| Kennewick-Richland, WA | 3 | $ 375,000 | $ 125,000 | $ 74,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 705,000 | $ 235,000 | $ 127,000 |
| Modesto, CA | 3 | $ 535,000 | $ 178,333 | $ 124,000 |
| Morristown, TN | 3 | $ 425,000 | $ 141,666 | $ 78,000 |
| Niles-Benton Harbor, MI | 3 | $ 485,000 | $ 161,666 | $ 137,000 |
| Odessa, TX | 3 | $ 955,000 | $ 318,333 | $ 167,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 285,000 | $ 95,000 | $ 86,000 |
| Philadelphia, PA | 3 | $ 595,000 | $ 198,333 | $ 94,000 |
| Pittsburgh, PA | 3 | $ 665,000 | $ 221,666 | $ 156,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 665,000 | $ 221,666 | $ 78,000 |
| Richmond, VA | 3 | $ 595,000 | $ 198,333 | $ 196,000 |
| Rochester, MN | 3 | $ 655,000 | $ 218,333 | $ 101,000 |
| San Diego-Carlsbad, CA | 3 | $ 805,000 | $ 268,333 | $ 134,000 |
| Sherman-Denison, TX | 3 | $ 705,000 | $ 235,000 | $ 128,000 |
| Sioux Falls, SD | 3 | $ 455,000 | $ 151,666 | $ 83,000 |
| Stockton-Lodi, CA | 3 | $ 245,000 | $ 81,666 | $ 118,000 |
| Tucson, AZ | 3 | $ 535,000 | $ 178,333 | $ 80,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 625,000 | $ 208,333 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 435,000 | $ 145,000 | $ 264,000 |
| Yakima, WA | 3 | $ 655,000 | $ 218,333 | $ 126,000 |
| Abilene, TX | 2 | $ 140,000 | $ 70,000 | $ 87,000 |
| Amarillo, TX | 2 | $ 490,000 | $ 245,000 | $ 123,000 |
| Bakersfield, CA | 2 | $ 370,000 | $ 185,000 | $ 100,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 400,000 | $ 200,000 | $ 96,000 |
| Boston, MA | 2 | $ 370,000 | $ 185,000 | $ 113,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 420,000 | $ 210,000 | $ 202,000 |
| Charlottesville, VA | 2 | $ 210,000 | $ 105,000 | $ 117,000 |
| Clarksville, TN-KY | 2 | $ 310,000 | $ 155,000 | $ 70,500 |
| Columbia, SC | 2 | $ 280,000 | $ 140,000 | $ 75,000 |
| Dothan, AL | 2 | $ 280,000 | $ 140,000 | $ 120,000 |
| Fort Wayne, IN | 2 | $ 280,000 | $ 140,000 | $ 92,000 |
| Grand Forks, ND-MN | 2 | $ 390,000 | $ 195,000 | $ 112,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 290,000 | $ 145,000 | $ 105,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Jacksonville, NC | 2 | $ 1,140,000 | $ 570,000 | $ 170,000 |
| Kokomo, IN | 2 | $ 280,000 | $ 140,000 | $ 43,000 |
| Lancaster, PA | 2 | $ 230,000 | $ 115,000 | $ 141,000 |
| Lawrence, KS | 2 | $ 320,000 | $ 160,000 | $ 117,000 |
| Madera, CA | 2 | $ 580,000 | $ 290,000 | $ 143,000 |
| Manchester-Nashua, NH | 2 | $ 340,000 | $ 170,000 | $ 52,000 |
| Manhattan, KS | 2 | $ 530,000 | $ 265,000 | $ 100,000 |
| Monroe, LA | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| New York-Newark, NY | 2 | $ 550,000 | $ 275,000 | $ 89,000 |
| Ocala, FL | 2 | $ 230,000 | $ 115,000 | $ 85,000 |
| Ogden-Clearfield, UT | 2 | $ 650,000 | $ 325,000 | $ 182,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 670,000 | $ 335,000 | $ 287,000 |
| Providence-Warwick, RI-MA | 2 | $ 440,000 | $ 220,000 | $ 73,500 |
| Provo-Orem, UT | 2 | $ 590,000 | $ 295,000 | $ 95,000 |
| Racine, WI | 2 | $ 410,000 | $ 205,000 | $ 147,000 |
| Rockingham County-Strafford County, NH | 2 | $ 80,000 | $ 40,000 | $ 79,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 370,000 | $ 185,000 | $ 123,000 |
| Salt Lake City, UT | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 670,000 | $ 335,000 | $ 197,000 |
| Savannah, GA | 2 | $ 590,000 | $ 295,000 | $ 264,000 |
| St. Cloud, MN | 2 | $ 480,000 | $ 240,000 | $ 118,000 |
| Staunton-Waynesboro, VA | 2 | $ 560,000 | $ 280,000 | $ 173,000 |
| Syracuse, NY | 2 | $ 490,000 | $ 245,000 | $ 82,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 580,000 | $ 290,000 | $ 469,000 |
| Waco, TX | 2 | $ 690,000 | $ 345,000 | $ 741,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 100,000 | $ 50,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 2 | $ 330,000 | $ 165,000 | $ 90,500 |
| Yuba City, CA | 2 | $ 570,000 | $ 285,000 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| Albuquerque, NM | 1 | $ 335,000 | $ 335,000 | $ 155,000 |
| Alexandria, LA | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Altoona, PA | 1 | $ 285,000 | $ 285,000 | $ 127,000 |
| Ann Arbor, MI | 1 | $ 365,000 | $ 365,000 | $ 128,000 |
| Asheville, NC | 1 | $ 195,000 | $ 195,000 | $ 251,000 |
| Battle Creek, MI | 1 | $ 195,000 | $ 195,000 | $ 147,000 |
| Beaumont-Port Arthur, TX | 1 | $ 355,000 | $ 355,000 | $ 84,000 |
| Bellingham, WA | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Billings, MT | 1 | $ 385,000 | $ 385,000 | $ 89,000 |
| Bloomington, IL | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Bloomington, IN | 1 | $ 285,000 | $ 285,000 | $ 168,000 |
| Brownsville-Harlingen, TX | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Burlington, NC | 1 | $ 105,000 | $ 105,000 | $ 464,000 |
| Burlington-South Burlington, VT | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Canton-Massillon, OH | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Cheyenne, WY | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Columbia, MO | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Dalton, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Duluth, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 36,000 |
| El Paso, TX | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Enid, OK | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Evansville, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Florence, SC | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Gainesville, GA | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Gary, IN | 1 | $ 55,000 | $ 55,000 | $ 203,000 |
| Glens Falls, NY | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Goldsboro, NC | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Grand Island, NE | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 1,285,000 | $ 1,285,000 | $ 906,000 |
| Greenville, NC | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Harrisonburg, VA | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Hinesville, GA | 1 | $ 75,000 | $ 75,000 | $ 191,000 |
| Huntsville, AL | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Kankakee, IL | 1 | $ 455,000 | $ 455,000 | $ 210,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 85,000 | $ 85,000 | $ 180,000 |
| Lafayette-West Lafayette, IN | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Lakeland-Winter Haven, FL | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Lansing-East Lansing, MI | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Laredo, TX | 1 | $ 405,000 | $ 405,000 | $ 29,000 |
| Lawton, OK | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Longview, TX | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Mankato-North Mankato, MN | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Merced, CA | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Midland, TX | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 55,000 | $ 55,000 | $ 353,000 |
| Muskegon, MI | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| New Haven-Milford, CT | 1 | $ 825,000 | $ 825,000 | $ 580,000 |
| Norwich-New London, CT | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Oshkosh-Neenah, WI | 1 | $ 215,000 | $ 215,000 | $ 134,000 |
| Rapid City, SD | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Salinas, CA | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Salisbury, MD-DE | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| San Angelo, TX | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 365,000 | $ 365,000 | $ 83,000 |
| Tacoma-Lakewood, WA | 1 | $ 215,000 | $ 215,000 | $ 160,000 |
| Topeka, KS | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Twin Falls, ID | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Tyler, TX | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Utica-Rome, NY | 1 | $ 15,000 | $ 15,000 | $ 110,000 |
| York-Hanover, PA | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2021
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 | 1,501 | $341,045,000 | $227,000 | $1,205,000 | $124,000 | $1,770,000 |
| Refinancing | 1,246 | $240,700,000 | $193,000 | $18,875,000 | $123,000 | $3,084,000 |
| Cash-out Refinancing | 1,025 | $197,175,000 | $192,000 | $1,405,000 | $119,000 | $1,800,000 |
| Other Purpose | 371 | $26,795,000 | $72,000 | $605,000 | $113,000 | $1,159,000 |
| Home Improvement | 312 | $19,030,000 | $60,000 | $255,000 | $122,000 | $858,000 |
| 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 | 3,137 | $591,495,000 | $188,000 | $18,875,000 | $120,000 | $1,848,000 |
| Not Provided | 964 | $163,770,000 | $169,000 | $1,205,000 | $124,000 | $2,388,000 |
| Hispanic | 147 | $29,495,000 | $200,000 | $645,000 | $121,000 | $972,000 |
| Black or African American | 124 | $24,720,000 | $199,000 | $1,235,000 | $139,000 | $3,084,000 |
| Asian | 41 | $9,695,000 | $236,000 | $655,000 | $123,000 | $265,000 |
| American Indian or Alaskan Native | 32 | $4,560,000 | $142,000 | $455,000 | $104,000 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $75,000 | $75,000 |
| Not applicable | 1 | $145,000 | $145,000 | $145,000 | $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) | 4,455 | $824,745,000 | $185,000 | $18,875,000 | $121,000 | $3,084,000 |
| 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 | 2,948 | $519,120,000 | $176,000 | $1,405,000 | $121,000 | $3,084,000 |
| Application Withdrawn By Applicant | 820 | $189,300,000 | $230,000 | $18,875,000 | $134,000 | $2,388,000 |
| Application Denied By Financial Institution | 407 | $61,765,000 | $151,000 | $805,000 | $107,000 | $1,800,000 |
| File Closed For Incompleteness | 241 | $46,205,000 | $191,000 | $725,000 | $107,000 | $1,224,000 |
| Application Approved But Not Accepted | 38 | $8,210,000 | $216,000 | $1,005,000 | $125,000 | $499,000 |
| Loan Purchased By The Institution | 1 | $145,000 | $145,000 | $145,000 | $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 | 4,048 | $762,980,000 | $188,000 | $18,875,000 | $123,000 | $3,084,000 |
| Credit History | 181 | $26,455,000 | $146,000 | $545,000 | $122,000 | $1,800,000 |
| Debt-To-Income Ratio | 83 | $13,645,000 | $164,000 | $505,000 | $60,000 | $170,000 |
| Collateral | 51 | $7,315,000 | $143,000 | $805,000 | $102,000 | $600,000 |
| Credit Application Incomplete | 29 | $3,325,000 | $114,000 | $255,000 | $97,000 | $185,000 |
| Other | 29 | $4,755,000 | $163,000 | $415,000 | $156,000 | $1,165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,885,000 | $169,000 | $405,000 | $85,000 | $558,000 |
| Unverifiable Information | 15 | $2,755,000 | $183,000 | $735,000 | $167,000 | $1,565,000 |
| Mortgage Insurance Denied | 1 | $455,000 | $455,000 | $455,000 | $129,000 | $129,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $72,000 | $72,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2021 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