Empeople Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Empeople Credit Union 2023 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 | 3,517 |
| Total Mortgage Loan Application Amount | $592,635,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $1,845,000 |
| Average Applicant Income | $121,600 |
| Highest Applicant Income | $2,277,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NA (OUTSIDE OF MSA/MD) | 815 | $ 109,325,000 | $ 144,815 | $ 102,605 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 589 | $ 87,045,000 | $ 150,500 | $ 125,000 |
| PORTLAND-SOUTH PORTLAND, ME | 419 | $ 71,325,000 | $ 170,000 | $ 131,000 |
| DES MOINES-WEST DES MOINES, IA | 239 | $ 46,485,000 | $ 194,000 | $ 141,000 |
| WATERLOO-CEDAR FALLS, IA | 214 | $ 26,800,000 | $ 125,000 | $ 115,000 |
| KANSAS CITY, MO-KS | 70 | $ 13,670,000 | $ 173,000 | $ 145,000 |
| BANGOR, ME | 60 | $ 7,400,000 | $ 123,000 | $ 131,000 |
| DUBUQUE, IA | 53 | $ 8,315,000 | $ 156,000 | $ 118,000 |
| RALEIGH, NC | 51 | $ 11,915,000 | $ 233,000 | $ 151,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 50 | $ 7,570,000 | $ 186,500 | $ 122,000 |
| FARGO, ND-MN | 45 | $ 7,855,000 | $ 153,500 | $ 132,000 |
| SPRINGFIELD, MO | 36 | $ 5,240,000 | $ 145,000 | $ 112,000 |
| WINSTON-SALEM, NC | 36 | $ 5,160,000 | $ 143,000 | $ 90,000 |
| CHICAGO-NAPERVILLE, IL | 31 | $ 11,005,000 | $ 355,000 | $ 216,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 29 | $ 7,275,000 | $ 250,000 | $ 146,000 |
| AMES, IA | 24 | $ 3,400,000 | $ 141,000 | $ 108,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 21 | $ 1,535,000 | $ 73,000 | $ 99,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 20 | $ 4,130,000 | $ 206,000 | $ 139,000 |
| DENVER-AURORA-LAKEWOOD, CO | 18 | $ 5,770,000 | $ 320,000 | $ 154,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 17 | $ 6,525,000 | $ 394,000 | $ 200,500 |
| DALLAS-PLANO-IRVING, TX | 16 | $ 2,890,000 | $ 180,000 | $ 140,000 |
| LEWISTON-AUBURN, ME | 16 | $ 2,780,000 | $ 173,000 | $ 96,000 |
| CEDAR RAPIDS, IA | 15 | $ 2,385,000 | $ 159,000 | $ 102,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 15 | $ 2,795,000 | $ 167,000 | $ 111,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 15 | $ 2,695,000 | $ 179,000 | $ 137,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 14 | $ 3,210,000 | $ 229,000 | $ 147,000 |
| AUSTIN-ROUND ROCK, TX | 12 | $ 5,080,000 | $ 423,000 | $ 167,000 |
| HOUMA-THIBODAUX, LA | 11 | $ 1,735,000 | $ 157,000 | $ 105,000 |
| ELGIN, IL | 10 | $ 2,950,000 | $ 295,000 | $ 164,000 |
| MADISON, WI | 10 | $ 2,500,000 | $ 250,000 | $ 171,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 10 | $ 2,380,000 | $ 238,000 | $ 153,000 |
| CAPE CORAL-FORT MYERS, FL | 9 | $ 2,805,000 | $ 311,000 | $ 296,000 |
| FORT WORTH-ARLINGTON, TX | 9 | $ 2,625,000 | $ 291,000 | $ 221,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 9 | $ 3,325,000 | $ 369,000 | $ 188,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 9 | $ 2,925,000 | $ 325,000 | $ 179,000 |
| GREENSBORO-HIGH POINT, NC | 8 | $ 1,150,000 | $ 143,000 | $ 102,000 |
| IOWA CITY, IA | 8 | $ 1,580,000 | $ 197,000 | $ 111,000 |
| JACKSON, MS | 8 | $ 1,550,000 | $ 193,000 | $ 81,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 7 | $ 3,445,000 | $ 492,000 | $ 254,000 |
| CINCINNATI, OH-KY-IN | 7 | $ 1,615,000 | $ 145,000 | $ 138,000 |
| DURHAM-CHAPEL HILL, NC | 7 | $ 1,715,000 | $ 245,000 | $ 144,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 7 | $ 1,685,000 | $ 240,000 | $ 138,000 |
| LINCOLN, NE | 7 | $ 1,815,000 | $ 259,000 | $ 131,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 7 | $ 1,395,000 | $ 199,000 | $ 120,000 |
| PEORIA, IL | 7 | $ 1,385,000 | $ 197,000 | $ 126,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 7 | $ 2,135,000 | $ 305,000 | $ 293,000 |
| SPARTANBURG, SC | 7 | $ 445,000 | $ 63,000 | $ 71,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 7 | $ 1,605,000 | $ 229,000 | $ 101,000 |
| WICHITA, KS | 7 | $ 1,795,000 | $ 256,000 | $ 159,000 |
| BATON ROUGE, LA | 6 | $ 750,000 | $ 125,000 | $ 104,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 6 | $ 2,170,000 | $ 361,000 | $ 117,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 6 | $ 2,040,000 | $ 340,000 | $ 222,000 |
| ST. LOUIS, MO-IL | 6 | $ 1,900,000 | $ 288,000 | $ 164,500 |
| COLUMBIA, SC | 5 | $ 1,255,000 | $ 251,000 | $ 112,000 |
| FOND DU LAC, WI | 5 | $ 525,000 | $ 105,000 | $ 117,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 5 | $ 1,125,000 | $ 225,000 | $ 99,000 |
| KENNEWICK-RICHLAND, WA | 5 | $ 1,165,000 | $ 233,000 | $ 89,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 5 | $ 1,755,000 | $ 351,000 | $ 243,000 |
| RICHMOND, VA | 5 | $ 805,000 | $ 161,000 | $ 122,000 |
| TULSA, OK | 5 | $ 595,000 | $ 119,000 | $ 217,000 |
| BEAUMONT-PORT ARTHUR, TX | 4 | $ 810,000 | $ 202,000 | $ 79,000 |
| EL CENTRO, CA | 4 | $ 510,000 | $ 127,000 | $ 82,000 |
| FAYETTEVILLE, NC | 4 | $ 780,000 | $ 195,000 | $ 182,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 4 | $ 960,000 | $ 240,000 | $ 125,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 4 | $ 790,000 | $ 197,000 | $ 126,000 |
| GAINESVILLE, FL | 4 | $ 140,000 | $ 35,000 | $ 131,000 |
| JONESBORO, AR | 4 | $ 540,000 | $ 135,000 | $ 87,000 |
| LAFAYETTE, LA | 4 | $ 230,000 | $ 57,000 | $ 79,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 4 | $ 770,000 | $ 192,000 | $ 97,000 |
| MEMPHIS, TN-MS-AR | 4 | $ 610,000 | $ 133,000 | $ 152,500 |
| OCALA, FL | 4 | $ 430,000 | $ 107,000 | $ 67,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 690,000 | $ 172,000 | $ 120,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 4 | $ 870,000 | $ 217,000 | $ 102,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 4 | $ 3,630,000 | $ 907,000 | $ 247,000 |
| SIOUX FALLS, SD | 4 | $ 960,000 | $ 240,000 | $ 128,000 |
| TOPEKA, KS | 4 | $ 840,000 | $ 210,000 | $ 109,000 |
| TWIN FALLS, ID | 4 | $ 220,000 | $ 55,000 | $ 118,000 |
| VICTORIA, TX | 4 | $ 650,000 | $ 162,000 | $ 84,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 3 | $ 1,635,000 | $ 545,000 | $ 211,000 |
| BLOOMINGTON, IL | 3 | $ 415,000 | $ 138,000 | $ 79,000 |
| BOISE CITY, ID | 3 | $ 535,000 | $ 178,000 | $ 97,000 |
| BURLINGTON, NC | 3 | $ 425,000 | $ 141,000 | $ 156,000 |
| CLEVELAND-ELYRIA, OH | 3 | $ 815,000 | $ 271,000 | $ 306,000 |
| COLLEGE STATION-BRYAN, TX | 3 | $ 1,025,000 | $ 341,000 | $ 140,000 |
| COLORADO SPRINGS, CO | 3 | $ 485,000 | $ 161,000 | $ 138,000 |
| COLUMBUS, OH | 3 | $ 805,000 | $ 268,000 | $ 183,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 3 | $ 175,000 | $ 58,000 | $ 161,000 |
| ENID, OK | 3 | $ 175,000 | $ 58,000 | $ 83,000 |
| FORT SMITH, AR-OK | 3 | $ 285,000 | $ 102,500 | $ 83,500 |
| GRAND ISLAND, NE | 3 | $ 575,000 | $ 191,000 | $ 68,000 |
| GREELEY, CO | 3 | $ 375,000 | $ 125,000 | $ 70,000 |
| HUNTSVILLE, AL | 3 | $ 735,000 | $ 245,000 | $ 130,000 |
| JACKSON, TN | 3 | $ 555,000 | $ 185,000 | $ 84,000 |
| JOPLIN, MO | 3 | $ 545,000 | $ 181,000 | $ 86,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 3 | $ 1,745,000 | $ 581,000 | $ 240,000 |
| MANHATTAN, KS | 3 | $ 795,000 | $ 265,000 | $ 130,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 725,000 | $ 241,000 | $ 97,000 |
| MOBILE, AL | 3 | $ 295,000 | $ 98,000 | $ 59,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 3 | $ 765,000 | $ 255,000 | $ 176,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 3 | $ 995,000 | $ 331,000 | $ 320,000 |
| OKLAHOMA CITY, OK | 3 | $ 285,000 | $ 95,000 | $ 61,000 |
| PINE BLUFF, AR | 3 | $ 255,000 | $ 85,000 | $ 70,000 |
| PUNTA GORDA, FL | 3 | $ 945,000 | $ 315,000 | $ 281,000 |
| ROCHESTER, MN | 3 | $ 575,000 | $ 191,000 | $ 61,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 3 | $ 225,000 | $ 75,000 | $ 97,000 |
| SALT LAKE CITY, UT | 3 | $ 415,000 | $ 138,000 | $ 200,000 |
| SANTA MARIA-SANTA BARBARA, CA | 3 | $ 355,000 | $ 118,000 | $ 72,000 |
| SIOUX CITY, IA-NE-SD | 3 | $ 175,000 | $ 58,000 | $ 63,000 |
| ST. JOSEPH, MO-KS | 3 | $ 475,000 | $ 122,500 | $ 161,500 |
| WACO, TX | 3 | $ 865,000 | $ 288,000 | $ 378,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 3 | $ 225,000 | $ 75,000 | $ 194,000 |
| WINCHESTER, VA-WV | 3 | $ 195,000 | $ 60,000 | $ 71,500 |
| ABILENE, TX | 2 | $ 320,000 | $ 160,000 | $ 104,000 |
| AMARILLO, TX | 2 | $ 680,000 | $ 340,000 | $ 182,000 |
| ASHEVILLE, NC | 2 | $ 910,000 | $ 455,000 | $ 203,000 |
| BECKLEY, WV | 2 | $ 330,000 | $ 165,000 | $ 91,000 |
| BINGHAMTON, NY | 2 | $ 290,000 | $ 145,000 | $ 177,000 |
| BOWLING GREEN, KY | 2 | $ 540,000 | $ 270,000 | $ 204,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 300,000 | $ 150,000 | $ 136,000 |
| CHARLESTON, WV | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| CHATTANOOGA, TN-GA | 2 | $ 430,000 | $ 215,000 | $ 97,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 120,000 | $ 60,000 | $ 173,000 |
| GAINESVILLE, GA | 2 | $ 600,000 | $ 300,000 | $ 116,000 |
| GRAND FORKS, ND-MN | 2 | $ 140,000 | $ 70,000 | $ 345,000 |
| HOMOSASSA SPRINGS, FL | 2 | $ 380,000 | $ 190,000 | $ 80,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 2 | $ 70,000 | $ 35,000 | $ 34,000 |
| IDAHO FALLS, ID | 2 | $ 240,000 | $ 120,000 | $ 159,000 |
| JACKSONVILLE, FL | 2 | $ 780,000 | $ 390,000 | $ 177,000 |
| JOHNSON CITY, TN | 2 | $ 810,000 | $ 405,000 | $ 357,000 |
| KNOXVILLE, TN | 2 | $ 480,000 | $ 240,000 | $ 146,000 |
| LANCASTER, PA | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| LAREDO, TX | 2 | $ 360,000 | $ 180,000 | $ 105,000 |
| LAWRENCE, KS | 2 | $ 740,000 | $ 370,000 | $ 181,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 2 | $ 370,000 | $ 185,000 | $ 99,000 |
| MORRISTOWN, TN | 2 | $ 420,000 | $ 210,000 | $ 67,000 |
| MUSKEGON, MI | 2 | $ 90,000 | $ 45,000 | $ 97,000 |
| NEWARK, NJ-PA | 2 | $ 340,000 | $ 170,000 | $ 117,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 260,000 | $ 130,000 | $ 111,000 |
| OSHKOSH-NEENAH, WI | 2 | $ 480,000 | $ 240,000 | $ 108,000 |
| RENO, NV | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| ROANOKE, VA | 2 | $ 430,000 | $ 215,000 | $ 176,000 |
| ROCHESTER, NY | 2 | $ 210,000 | $ 105,000 | $ 93,000 |
| ROCKFORD, IL | 2 | $ 110,000 | $ 55,000 | $ 90,000 |
| ROME, GA | 2 | $ 210,000 | $ 105,000 | $ 190,000 |
| SAN ANGELO, TX | 2 | $ 160,000 | $ 80,000 | $ 110,000 |
| SPRINGFIELD, IL | 2 | $ 300,000 | $ 150,000 | $ 132,000 |
| ST. CLOUD, MN | 2 | $ 330,000 | $ 165,000 | $ 131,000 |
| TOLEDO, OH | 2 | $ 280,000 | $ 140,000 | $ 156,000 |
| TUCSON, AZ | 2 | $ 350,000 | $ 175,000 | $ 111,000 |
| TUSCALOOSA, AL | 2 | $ 480,000 | $ 240,000 | $ 280,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 2 | $ 640,000 | $ 320,000 | $ 120,000 |
| WAUSAU, WI | 2 | $ 170,000 | $ 85,000 | $ 125,000 |
| YAKIMA, WA | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| YORK-HANOVER, PA | 2 | $ 70,000 | $ 35,000 | $ 399,000 |
| YUBA CITY, CA | 2 | $ 150,000 | $ 75,000 | $ 70,000 |
| ALBANY, GA | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| ALBANY, OR | 1 | $ 25,000 | $ 25,000 | $ 0 |
| ALBANY-SCHENECTADY-TROY, NY | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| ALBUQUERQUE, NM | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| ALEXANDRIA, LA | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| BAKERSFIELD, CA | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| BELLINGHAM, WA | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| BILLINGS, MT | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| BISMARCK, ND | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| BOULDER, CO | 1 | $ 1,055,000 | $ 1,055,000 | $ 524,000 |
| BRUNSWICK, GA | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 445,000 | $ 445,000 | $ 370,000 |
| CHARLOTTESVILLE, VA | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| CHEYENNE, WY | 1 | $ 435,000 | $ 435,000 | $ 151,000 |
| CLARKSVILLE, TN-KY | 1 | $ 5,000 | $ 5,000 | $ 91,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| DOVER, DE | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| DULUTH, MN-WI | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| EL PASO, TX | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| ELKHART-GOSHEN, IN | 1 | $ 295,000 | $ 295,000 | $ 49,000 |
| EVANSVILLE, IN-KY | 1 | $ 255,000 | $ 255,000 | $ 154,000 |
| FLAGSTAFF, AZ | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| FORT COLLINS, CO | 1 | $ 545,000 | $ 545,000 | $ 305,000 |
| FRESNO, CA | 1 | $ 65,000 | $ 65,000 | $ 157,000 |
| GARY, IN | 1 | $ 235,000 | $ 235,000 | $ 208,000 |
| GLENS FALLS, NY | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| GREEN BAY, WI | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 1 | $ 165,000 | $ 165,000 | $ 24,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| HATTIESBURG, MS | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 215,000 | $ 215,000 | $ 150,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| ITHACA, NY | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| JEFFERSON CITY, MO | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| KANKAKEE, IL | 1 | $ 95,000 | $ 95,000 | $ 225,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 105,000 | $ 105,000 | $ 251,000 |
| LA CROSSE-ONALASKA, WI-MN | 1 | $ 215,000 | $ 215,000 | $ 316,000 |
| LAKE CHARLES, LA | 1 | $ 35,000 | $ 35,000 | $ 205,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| LANSING-EAST LANSING, MI | 1 | $ 295,000 | $ 295,000 | $ 0 |
| LAS CRUCES, NM | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| LONGVIEW, TX | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| LUBBOCK, TX | 1 | $ 45,000 | $ 45,000 | $ 163,000 |
| MANKATO-NORTH MANKATO, MN | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| MIDLAND, MI | 1 | $ 375,000 | $ 375,000 | $ 128,000 |
| MONROE, LA | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $ 35,000 | $ 35,000 | $ 121,000 |
| NEW BERN, NC | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| NORWICH-NEW LONDON, CT | 1 | $ 85,000 | $ 85,000 | $ 538,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1 | $ 25,000 | $ 25,000 | $ 192,000 |
| ODESSA, TX | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| OGDEN-CLEARFIELD, UT | 1 | $ 25,000 | $ 25,000 | $ 175,000 |
| OWENSBORO, KY | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| PANAMA CITY, FL | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 205,000 | $ 205,000 | $ 154,000 |
| PHILADELPHIA, PA | 1 | $ 525,000 | $ 525,000 | $ 384,000 |
| PORT ST. LUCIE, FL | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| RAPID CITY, SD | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| READING, PA | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| SALISBURY, MD-DE | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| SAN DIEGO-CARLSBAD, CA | 1 | $ 705,000 | $ 705,000 | $ 235,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| SANTA ROSA, CA | 1 | $ 55,000 | $ 55,000 | $ 192,000 |
| SHEBOYGAN, WI | 1 | $ 285,000 | $ 285,000 | $ 242,000 |
| SHERMAN-DENISON, TX | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| TALLAHASSEE, FL | 1 | $ 465,000 | $ 465,000 | $ 158,000 |
| THE VILLAGES, FL | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| TYLER, TX | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 295,000 | $ 295,000 | $ 304,000 |
| WENATCHEE, WA | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| WILMINGTON, NC | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| YUMA, AZ | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2023
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 | 1,496 | $380,570,000 | $254,000 | $1,845,000 | $136,000 | $2,277,000 |
| Cash-out Refinancing | 656 | $97,480,000 | $148,000 | $975,000 | $119,000 | $1,181,000 |
| Other Purpose | 560 | $40,790,000 | $72,000 | $605,000 | $116,000 | $1,835,000 |
| Home Improvement | 550 | $39,620,000 | $72,000 | $255,000 | $127,000 | $2,034,000 |
| Refinancing | 255 | $34,175,000 | $134,000 | $855,000 | $110,000 | $365,000 |
| 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 | 1,891 | $347,185,000 | $183,000 | $1,405,000 | $128,000 | $2,277,000 |
| Not Provided | 1,342 | $182,890,000 | $136,000 | $1,845,000 | $126,000 | $2,034,000 |
| Hispanic | 101 | $18,375,000 | $181,000 | $475,000 | $106,000 | $270,000 |
| Black or African American | 88 | $15,800,000 | $179,000 | $565,000 | $101,000 | $331,000 |
| Asian | 66 | $22,690,000 | $343,000 | $885,000 | $156,000 | $486,000 |
| American Indian or Alaskan Native | 17 | $3,875,000 | $227,000 | $1,265,000 | $118,000 | $510,000 |
| Not applicable | 2 | $660,000 | $330,000 | $525,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 3,517 | $592,635,000 | $168,000 | $1,845,000 | $126,000 | $2,277,000 |
| 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 | 2,129 | $339,885,000 | $159,000 | $1,845,000 | $130,000 | $916,000 |
| Application Denied By Financial Institution | 748 | $97,990,000 | $131,000 | $1,045,000 | $106,000 | $1,835,000 |
| Application Withdrawn By Applicant | 529 | $130,795,000 | $247,000 | $1,405,000 | $142,000 | $2,277,000 |
| File Closed For Incompleteness | 74 | $18,490,000 | $249,000 | $725,000 | $129,000 | $462,000 |
| Application Approved But Not Accepted | 35 | $4,815,000 | $137,000 | $535,000 | $118,000 | $402,000 |
| Loan Purchased By The Institution | 2 | $660,000 | $330,000 | $525,000 | $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 | 2,769 | $494,645,000 | $178,000 | $1,845,000 | $132,000 | $2,277,000 |
| Debt-To-Income Ratio | 273 | $39,645,000 | $145,000 | $805,000 | $90,000 | $817,000 |
| Credit History | 203 | $27,565,000 | $135,000 | $575,000 | $102,000 | $1,140,000 |
| Other | 134 | $12,960,000 | $96,000 | $1,045,000 | $140,000 | $1,368,000 |
| Collateral | 58 | $8,770,000 | $151,000 | $655,000 | $191,000 | $1,835,000 |
| Credit Application Incomplete | 37 | $2,945,000 | $79,000 | $255,000 | $75,000 | $204,000 |
| Unverifiable Information | 25 | $2,575,000 | $103,000 | $255,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,380,000 | $170,000 | $495,000 | $74,000 | $173,000 |
| Employment History | 4 | $1,150,000 | $287,000 | $445,000 | $45,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2023 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.