Empeople Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Empeople Credit Union of Moline, IL reported 3,246 mortgage applications totaling $582.4 million, down 8% from 2023. The average application was for $179,417, and applicants reported an average income of $144,982. 62% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (619), Portland-South Portland, ME (321) and Des Moines-West Des Moines, IA (245) (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 | 3,246 |
| Total Mortgage Loan Application Amount | $582,390,000 |
| Average Mortgage Loan Application Amount | $179,417 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $144,982 |
| Highest Applicant Income | $7,464,000 |
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(HMDA) records Empeople Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 723 | $ 106,125,000 | $ 146,784 | $ 127,572 |
| Davenport-Moline-Rock Island, IA-IL | 619 | $ 94,985,000 | $ 153,449 | $ 134,297 |
| Portland-South Portland, ME | 321 | $ 52,335,000 | $ 163,037 | $ 124,000 |
| Des Moines-West Des Moines, IA | 245 | $ 52,775,000 | $ 215,408 | $ 169,000 |
| Waterloo-Cedar Falls, IA | 159 | $ 18,765,000 | $ 118,018 | $ 122,000 |
| Dubuque, IA | 61 | $ 8,985,000 | $ 147,295 | $ 109,000 |
| Raleigh, NC | 57 | $ 12,865,000 | $ 225,701 | $ 158,000 |
| Bangor, ME | 48 | $ 5,900,000 | $ 122,916 | $ 98,000 |
| Fargo, ND-MN | 48 | $ 10,310,000 | $ 214,791 | $ 152,666 |
| Kansas City, MO-KS | 43 | $ 10,835,000 | $ 251,976 | $ 169,441 |
| Augusta-Richmond County, GA-SC | 39 | $ 6,325,000 | $ 162,179 | $ 137,000 |
| Winston-Salem, NC | 35 | $ 5,535,000 | $ 158,142 | $ 122,000 |
| Chicago-Naperville, IL | 29 | $ 9,985,000 | $ 344,310 | $ 241,000 |
| Dallas-Plano-Irving, TX | 27 | $ 6,645,000 | $ 246,111 | $ 468,000 |
| Springfield, MO | 26 | $ 3,290,000 | $ 126,538 | $ 111,000 |
| Greenville-Anderson-Mauldin, SC | 22 | $ 2,870,000 | $ 130,454 | $ 97,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 22 | $ 7,500,000 | $ 340,909 | $ 211,000 |
| Houma-Thibodaux, LA | 20 | $ 1,810,000 | $ 90,500 | $ 138,000 |
| Atlanta-Sandy Springs-Roswell, GA | 19 | $ 3,865,000 | $ 203,421 | $ 147,000 |
| Lewiston-Auburn, ME | 17 | $ 3,155,000 | $ 185,588 | $ 108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 5,475,000 | $ 322,058 | $ 191,000 |
| Charlotte-Concord-Gastonia, NC-SC | 15 | $ 5,785,000 | $ 385,666 | $ 192,400 |
| Milwaukee-Waukesha-West Allis, WI | 15 | $ 3,415,000 | $ 227,666 | $ 163,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 2,115,000 | $ 162,692 | $ 152,000 |
| Arlington-Alexandria-Reston, VA-WV | 12 | $ 4,940,000 | $ 411,666 | $ 204,000 |
| Greensboro-High Point, NC | 12 | $ 3,090,000 | $ 257,500 | $ 277,000 |
| Madison, WI | 12 | $ 2,380,000 | $ 198,333 | $ 174,000 |
| Cedar Rapids, IA | 11 | $ 1,835,000 | $ 166,818 | $ 128,000 |
| Jonesboro, AR | 11 | $ 1,845,000 | $ 167,727 | $ 112,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 4,655,000 | $ 423,181 | $ 328,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 2,270,000 | $ 227,000 | $ 146,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,865,000 | $ 318,333 | $ 493,000 |
| Oklahoma City, OK | 9 | $ 1,975,000 | $ 219,444 | $ 136,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 2,440,000 | $ 305,000 | $ 206,000 |
| Iowa City, IA | 8 | $ 3,220,000 | $ 402,500 | $ 214,000 |
| Spartanburg, SC | 8 | $ 730,000 | $ 91,250 | $ 119,000 |
| St. Louis, MO-IL | 8 | $ 1,330,000 | $ 166,250 | $ 132,250 |
| Ames, IA | 7 | $ 655,000 | $ 93,571 | $ 168,000 |
| Columbus, OH | 7 | $ 1,955,000 | $ 279,285 | $ 165,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 2,125,000 | $ 303,571 | $ 188,000 |
| Grand Junction, CO | 7 | $ 955,000 | $ 136,428 | $ 136,000 |
| Lubbock, TX | 7 | $ 1,595,000 | $ 227,857 | $ 218,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 2,405,000 | $ 343,571 | $ 149,000 |
| Austin-Round Rock, TX | 6 | $ 3,110,000 | $ 518,333 | $ 248,000 |
| Elgin, IL | 6 | $ 1,950,000 | $ 325,000 | $ 146,000 |
| Fond Du Lac, WI | 6 | $ 770,000 | $ 128,333 | $ 90,000 |
| Fort Collins, CO | 6 | $ 2,110,000 | $ 351,666 | $ 176,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 1,060,000 | $ 176,666 | $ 127,000 |
| Jackson, TN | 6 | $ 1,230,000 | $ 205,000 | $ 122,000 |
| Jacksonville, FL | 6 | $ 2,270,000 | $ 378,333 | $ 171,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,880,000 | $ 313,333 | $ 175,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,890,000 | $ 315,000 | $ 513,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 2,160,000 | $ 360,000 | $ 175,000 |
| Richmond, VA | 6 | $ 1,630,000 | $ 271,666 | $ 177,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 1,275,000 | $ 255,000 | $ 161,000 |
| Burlington, NC | 5 | $ 875,000 | $ 175,000 | $ 133,000 |
| Chattanooga, TN-GA | 5 | $ 1,315,000 | $ 263,000 | $ 212,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,725,000 | $ 345,000 | $ 273,600 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 675,000 | $ 135,000 | $ 88,000 |
| Manhattan, KS | 5 | $ 975,000 | $ 195,000 | $ 137,000 |
| Mankato-North Mankato, MN | 5 | $ 315,000 | $ 63,000 | $ 83,000 |
| Memphis, TN-MS-AR | 5 | $ 665,000 | $ 133,000 | $ 105,600 |
| Ocala, FL | 5 | $ 555,000 | $ 111,000 | $ 67,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,915,000 | $ 383,000 | $ 181,000 |
| Peoria, IL | 5 | $ 825,000 | $ 165,000 | $ 105,000 |
| Port St. Lucie, FL | 5 | $ 655,000 | $ 131,000 | $ 124,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 335,000 | $ 67,000 | $ 144,000 |
| Sioux Falls, SD | 5 | $ 1,595,000 | $ 319,000 | $ 148,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 675,000 | $ 135,000 | $ 140,000 |
| Wichita, KS | 5 | $ 735,000 | $ 147,000 | $ 88,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 1,020,000 | $ 255,000 | $ 203,000 |
| Baton Rouge, LA | 4 | $ 350,000 | $ 87,500 | $ 159,000 |
| Bloomington, IL | 4 | $ 350,000 | $ 87,500 | $ 96,000 |
| Boise City, ID | 4 | $ 1,280,000 | $ 320,000 | $ 152,000 |
| Columbia, SC | 4 | $ 780,000 | $ 195,000 | $ 112,000 |
| El Centro, CA | 4 | $ 420,000 | $ 105,000 | $ 113,000 |
| Fort Wayne, IN | 4 | $ 1,270,000 | $ 317,500 | $ 154,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,040,000 | $ 260,000 | $ 391,000 |
| Fresno, CA | 4 | $ 350,000 | $ 87,500 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,360,000 | $ 340,000 | $ 231,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 380,000 | $ 95,000 | $ 102,000 |
| Longview, TX | 4 | $ 660,000 | $ 165,000 | $ 111,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 510,000 | $ 127,500 | $ 179,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 780,000 | $ 195,000 | $ 189,000 |
| Sherman-Denison, TX | 4 | $ 1,490,000 | $ 372,500 | $ 170,000 |
| Tampa, FL | 4 | $ 1,170,000 | $ 292,500 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 240,000 | $ 60,000 | $ 154,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,090,000 | $ 272,500 | $ 214,000 |
| Yuma, AZ | 4 | $ 700,000 | $ 175,000 | $ 118,000 |
| Albuquerque, NM | 3 | $ 715,000 | $ 238,333 | $ 125,000 |
| College Station-Bryan, TX | 3 | $ 695,000 | $ 231,666 | $ 61,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 1,415,000 | $ 471,666 | $ 287,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,465,000 | $ 488,333 | $ 157,000 |
| Duluth, MN-WI | 3 | $ 645,000 | $ 215,000 | $ 163,000 |
| Durham-Chapel Hill, NC | 3 | $ 705,000 | $ 235,000 | $ 230,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 715,000 | $ 238,333 | $ 212,000 |
| Gainesville, GA | 3 | $ 1,065,000 | $ 355,000 | $ 203,000 |
| Grand Forks, ND-MN | 3 | $ 1,095,000 | $ 365,000 | $ 133,333 |
| Huntsville, AL | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Lincoln, NE | 3 | $ 405,000 | $ 135,000 | $ 105,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 515,000 | $ 171,666 | $ 155,000 |
| San Antonio-New Braunfels, TX | 3 | $ 875,000 | $ 291,666 | $ 137,000 |
| Sioux City, IA-NE-SD | 3 | $ 265,000 | $ 88,333 | $ 81,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 865,000 | $ 288,333 | $ 189,000 |
| Stockton-Lodi, CA | 3 | $ 795,000 | $ 265,000 | $ 116,000 |
| Toledo, OH | 3 | $ 585,000 | $ 195,000 | $ 153,000 |
| Wildwood-The Villages, FL | 3 | $ 95,000 | $ 31,666 | $ 58,000 |
| Boulder, CO | 2 | $ 970,000 | $ 485,000 | $ 137,000 |
| Bowling Green, KY | 2 | $ 840,000 | $ 420,000 | $ 164,000 |
| Charleston-North Charleston, SC | 2 | $ 430,000 | $ 215,000 | $ 147,000 |
| Eau Claire, WI | 2 | $ 420,000 | $ 210,000 | $ 94,000 |
| El Paso, TX | 2 | $ 190,000 | $ 95,000 | $ 135,000 |
| Gadsden, AL | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Gainesville, FL | 2 | $ 410,000 | $ 205,000 | $ 231,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 550,000 | $ 275,000 | $ 116,000 |
| Jackson, MS | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Janesville-Beloit, WI | 2 | $ 450,000 | $ 225,000 | $ 85,000 |
| Johnson City, TN | 2 | $ 920,000 | $ 460,000 | $ 263,000 |
| Joplin, MO | 2 | $ 80,000 | $ 40,000 | $ 81,500 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 90,000 | $ 45,000 | $ 118,000 |
| Knoxville, TN | 2 | $ 390,000 | $ 195,000 | $ 83,000 |
| Lafayette, LA | 2 | $ 280,000 | $ 140,000 | $ 125,000 |
| Lafayette-West Lafayette, IN | 2 | $ 80,000 | $ 40,000 | $ 185,000 |
| Lancaster, PA | 2 | $ 320,000 | $ 160,000 | $ 123,000 |
| Marietta, GA | 2 | $ 300,000 | $ 150,000 | $ 202,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 220,000 | $ 110,000 | $ 116,000 |
| Minot, ND | 2 | $ 300,000 | $ 150,000 | $ 117,000 |
| Mobile, AL | 2 | $ 350,000 | $ 175,000 | $ 63,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 230,000 | $ 115,000 | $ 102,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 830,000 | $ 415,000 | $ 155,000 |
| Owensboro, KY | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Roanoke, VA | 2 | $ 360,000 | $ 180,000 | $ 182,000 |
| Rockingham County-Strafford County, NH | 2 | $ 210,000 | $ 105,000 | $ 53,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,930,000 | $ 965,000 | $ 255,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Savannah, GA | 2 | $ 470,000 | $ 235,000 | $ 197,000 |
| Sheboygan, WI | 2 | $ 190,000 | $ 95,000 | $ 198,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 560,000 | $ 280,000 | $ 222,000 |
| St. Joseph, MO-KS | 2 | $ 500,000 | $ 250,000 | $ 125,000 |
| Topeka, KS | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Tucson, AZ | 2 | $ 950,000 | $ 475,000 | $ 358,000 |
| Tulsa, OK | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Twin Falls, ID | 2 | $ 420,000 | $ 210,000 | $ 172,000 |
| Waco, TX | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 610,000 | $ 305,000 | $ 286,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 400,000 | $ 200,000 | $ 116,500 |
| York-Hanover, PA | 2 | $ 420,000 | $ 210,000 | $ 198,000 |
| Abilene, TX | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 255,000 | $ 255,000 | $ 337,000 |
| Altoona, PA | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Amarillo, TX | 1 | $ 595,000 | $ 595,000 | $ 332,000 |
| Ann Arbor, MI | 1 | $ 505,000 | $ 505,000 | $ 82,000 |
| Athens-Clarke County, GA | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Battle Creek, MI | 1 | $ 255,000 | $ 255,000 | $ 147,000 |
| Beckley, WV | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Billings, MT | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Birmingham-Hoover, AL | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Bismarck, ND | 1 | $ 95,000 | $ 95,000 | $ 187,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Brownsville-Harlingen, TX | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Brunswick, GA | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Casper, WY | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Charlottesville, VA | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Cheyenne, WY | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Clarksville, TN-KY | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Columbia, MO | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 325,000 | $ 325,000 | $ 351,000 |
| Dover, DE | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Enid, OK | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Fairbanks, AK | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 255,000 | $ 255,000 | $ 214,000 |
| Glens Falls, NY | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Greeley, CO | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Green Bay, WI | 1 | $ 315,000 | $ 315,000 | $ 226,000 |
| Harrisonburg, VA | 1 | $ 465,000 | $ 465,000 | $ 260,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 405,000 | $ 405,000 | $ 129,000 |
| Jacksonville, NC | 1 | $ 505,000 | $ 505,000 | $ 296,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Johnstown, PA | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Kennewick-Richland, WA | 1 | $ 135,000 | $ 135,000 | $ 141,000 |
| Killeen-Temple, TX | 1 | $ 545,000 | $ 545,000 | $ 252,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 135,000 | $ 135,000 | $ 167,000 |
| Lake Charles, LA | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 165,000 | $ 165,000 | $ 490,000 |
| Lawrence, KS | 1 | $ 215,000 | $ 215,000 | $ 372,000 |
| Lawton, OK | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Lexington-Fayette, KY | 1 | $ 545,000 | $ 545,000 | $ 330,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 245,000 | $ 245,000 | $ 215,000 |
| Macon-Bibb County, GA | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| Mansfield, OH | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Missoula, MT | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Modesto, CA | 1 | $ 155,000 | $ 155,000 | $ 202,000 |
| Monroe, LA | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| New Orleans-Metairie, LA | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 555,000 | $ 555,000 | $ 240,000 |
| Norwich-New London, CT | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Odessa, TX | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Ogden-Clearfield, UT | 1 | $ 55,000 | $ 55,000 | $ 204,000 |
| Philadelphia, PA | 1 | $ 375,000 | $ 375,000 | $ 415,000 |
| Pittsburgh, PA | 1 | $ 325,000 | $ 325,000 | $ 149,000 |
| Pittsfield, MA | 1 | $ 495,000 | $ 495,000 | $ 85,000 |
| Pocatello, ID | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Racine, WI | 1 | $ 275,000 | $ 275,000 | $ 138,000 |
| Reno, NV | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Rochester, MN | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Salem, OR | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| San Angelo, TX | 1 | $ 75,000 | $ 75,000 | $ 307,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 255,000 | $ 255,000 | $ 425,000 |
| Santa Fe, NM | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 85,000 | $ 85,000 | $ 216,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 425,000 | $ 425,000 | $ 110,000 |
| Spokane-Spokane Valley, WA | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| State College, PA | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Tacoma-Lakewood, WA | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Tallahassee, FL | 1 | $ 75,000 | $ 75,000 | $ 243,000 |
| Tuscaloosa, AL | 1 | $ 235,000 | $ 235,000 | $ 276,000 |
| Tyler, TX | 1 | $ 205,000 | $ 205,000 | $ 212,000 |
| Walla Walla, WA | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Wichita Falls, TX | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Wilmington, DE-MD-NJ | 1 | $ 255,000 | $ 255,000 | $ 209,000 |
| Wilmington, NC | 1 | $ 335,000 | $ 335,000 | $ 87,000 |
| Yuba City, CA | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Empeople Credit Union in 2024
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 | 1,190 | $337,330,000 | $283,000 | $1,325,000 | $170,000 | $7,464,000 |
| Refinancing | 704 | $98,210,000 | $139,000 | $845,000 | $139,000 | $1,176,000 |
| Other Purpose | 624 | $48,690,000 | $78,000 | $365,000 | $125,000 | $2,346,000 |
| Home Improvement | 459 | $35,625,000 | $77,000 | $255,000 | $127,000 | $2,335,000 |
| Cash-out Refinancing | 269 | $62,535,000 | $232,000 | $1,325,000 | $127,000 | $1,101,000 |
| 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 | 1,690 | $339,180,000 | $200,000 | $1,325,000 | $144,000 | $1,510,000 |
| Not Provided | 1,288 | $186,290,000 | $144,000 | $1,205,000 | $145,000 | $7,464,000 |
| Hispanic | 114 | $20,600,000 | $180,000 | $715,000 | $156,000 | $2,160,000 |
| Asian | 71 | $20,795,000 | $292,000 | $725,000 | $174,000 | $741,000 |
| Black or African American | 66 | $12,790,000 | $193,000 | $765,000 | $115,000 | $418,000 |
| American Indian or Alaskan Native | 16 | $2,660,000 | $166,000 | $415,000 | $92,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $91,000 | $91,000 |
| 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) | 3,246 | $582,390,000 | $179,000 | $1,325,000 | $145,000 | $7,464,000 |
| 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 | 2,007 | $348,775,000 | $173,000 | $1,325,000 | $146,000 | $741,000 |
| Application Denied By Financial Institution | 596 | $71,120,000 | $119,000 | $685,000 | $116,000 | $2,335,000 |
| Application Withdrawn By Applicant | 566 | $142,410,000 | $251,000 | $1,325,000 | $173,000 | $7,464,000 |
| File Closed For Incompleteness | 52 | $13,500,000 | $259,000 | $665,000 | $129,000 | $421,000 |
| Application Approved But Not Accepted | 25 | $6,585,000 | $263,000 | $905,000 | $145,000 | $448,000 |
| 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 | 2,650 | $511,270,000 | $192,000 | $1,325,000 | $151,000 | $7,464,000 |
| Debt-To-Income Ratio | 231 | $32,115,000 | $139,000 | $685,000 | $88,000 | $348,000 |
| Credit History | 192 | $19,040,000 | $99,000 | $465,000 | $130,000 | $1,286,000 |
| Other | 66 | $5,850,000 | $88,000 | $455,000 | $127,000 | $388,000 |
| Credit Application Incomplete | 50 | $4,980,000 | $99,000 | $415,000 | $198,000 | $2,335,000 |
| Collateral | 33 | $4,205,000 | $127,000 | $385,000 | $124,000 | $324,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,750,000 | $229,000 | $425,000 | $92,000 | $187,000 |
| Unverifiable Information | 11 | $1,845,000 | $167,000 | $305,000 | $51,000 | $120,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Empeople Credit Union's 2024 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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