Elements Financial Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Elements Financial Federal Credit Union 2021 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 | Elements Financial Federal Credit Union 225 S East St, Suite 300 Indianapolis, IN 46202 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 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,263 |
| Total Mortgage Loan Application Amount | $765,735,000 |
| Average Mortgage Loan Application Amount | $203,400 |
| Highest Mortgage Loan Application Amount | $2,705,000 |
| Average Applicant Income | $150,000 |
| Highest Applicant Income | $2,606,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Elements Financial Federal 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 Elements Financial Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Elements Financial Federal 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 Elements Financial Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Elements Financial Federal 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 Elements Financial Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Marion County Indiana | 1,153 | $ 237,765,000 | $ 206,000 | $ 132,000 |
| Hamilton County Indiana | 597 | $ 173,635,000 | $ 290,000 | $ 187,000 |
| Hendricks County Indiana | 192 | $ 34,570,000 | $ 180,000 | $ 116,000 |
| Johnson County Indiana | 150 | $ 29,900,000 | $ 199,000 | $ 130,000 |
| Boone County Indiana | 133 | $ 48,255,000 | $ 362,000 | $ 208,000 |
| Hancock County Indiana | 121 | $ 26,025,000 | $ 215,000 | $ 123,000 |
| Morgan County Indiana | 49 | $ 9,755,000 | $ 199,000 | $ 105,000 |
| Madison County Indiana | 34 | $ 4,730,000 | $ 139,000 | $ 93,000 |
| Monroe County Indiana | 27 | $ 7,515,000 | $ 278,000 | $ 135,000 |
| Shelby County Indiana | 22 | $ 3,230,000 | $ 146,000 | $ 100,000 |
| San Diego County California | 15 | $ 4,875,000 | $ 325,000 | $ 284,000 |
| Cook County Illinois | 14 | $ 4,770,000 | $ 340,000 | $ 155,000 |
| Tippecanoe County Indiana | 14 | $ 3,080,000 | $ 220,000 | $ 154,000 |
| Los Angeles County California | 13 | $ 3,515,000 | $ 270,000 | $ 177,000 |
| Brown County Indiana | 13 | $ 2,455,000 | $ 188,000 | $ 132,000 |
| Henry County Indiana | 13 | $ 1,155,000 | $ 88,000 | $ 103,000 |
| Vigo County Indiana | 12 | $ 1,190,000 | $ 99,000 | $ 116,000 |
| Putnam County Indiana | 11 | $ 2,735,000 | $ 248,000 | $ 188,000 |
| Allen County Indiana | 10 | $ 1,840,000 | $ 184,000 | $ 346,000 |
| Lee County Florida | 9 | $ 3,165,000 | $ 351,000 | $ 216,000 |
| Franklin County Ohio | 9 | $ 2,285,000 | $ 253,000 | $ 145,000 |
| Hamilton County Ohio | 9 | $ 855,000 | $ 95,000 | $ 125,000 |
| Maricopa County Arizona | 8 | $ 2,190,000 | $ 273,000 | $ 142,000 |
| Pinellas County Florida | 8 | $ 3,450,000 | $ 431,000 | $ 237,000 |
| Delaware County Indiana | 8 | $ 750,000 | $ 93,000 | $ 72,000 |
| Boulder County Colorado | 6 | $ 2,060,000 | $ 343,000 | $ 233,000 |
| Collier County Florida | 6 | $ 2,590,000 | $ 431,000 | $ 362,000 |
| Manatee County Florida | 6 | $ 1,110,000 | $ 185,000 | $ 103,000 |
| Volusia County Florida | 6 | $ 910,000 | $ 151,000 | $ 105,000 |
| Bartholomew County Indiana | 6 | $ 1,010,000 | $ 168,000 | $ 97,000 |
| Montgomery County Indiana | 6 | $ 770,000 | $ 128,000 | $ 58,000 |
| Owen County Indiana | 6 | $ 690,000 | $ 115,000 | $ 91,000 |
| Jefferson County Kentucky | 6 | $ 1,550,000 | $ 258,000 | $ 105,000 |
| Harris County Texas | 6 | $ 2,220,000 | $ 370,000 | $ 156,000 |
| Douglas County Colorado | 5 | $ 1,835,000 | $ 367,000 | $ 135,000 |
| Larimer County Colorado | 5 | $ 2,145,000 | $ 429,000 | $ 258,000 |
| Broward County Florida | 5 | $ 1,315,000 | $ 263,000 | $ 109,000 |
| Miami-Dade County Florida | 5 | $ 3,555,000 | $ 711,000 | $ 228,000 |
| Sarasota County Florida | 5 | $ 1,535,000 | $ 307,000 | $ 123,000 |
| Cobb County Georgia | 5 | $ 945,000 | $ 189,000 | $ 170,000 |
| Rush County Indiana | 5 | $ 775,000 | $ 155,000 | $ 94,000 |
| Johnson County Kansas | 5 | $ 915,000 | $ 183,000 | $ 130,000 |
| Baltimore City County Maryland | 5 | $ 1,085,000 | $ 217,000 | $ 114,000 |
| Middlesex County New Jersey | 5 | $ 1,175,000 | $ 235,000 | $ 170,000 |
| Somerset County New Jersey | 5 | $ 1,515,000 | $ 303,000 | $ 155,000 |
| Erie County New York | 5 | $ 925,000 | $ 185,000 | $ 206,000 |
| Mecklenburg County North Carolina | 5 | $ 1,125,000 | $ 225,000 | $ 172,000 |
| Union County North Carolina | 5 | $ 2,405,000 | $ 481,000 | $ 471,000 |
| Cuyahoga County Ohio | 5 | $ 665,000 | $ 133,000 | $ 142,000 |
| Bucks County Pennsylvania | 5 | $ 2,565,000 | $ 513,000 | $ 213,000 |
| Riverside County California | 4 | $ 820,000 | $ 205,000 | $ 188,000 |
| Arapahoe County Colorado | 4 | $ 1,520,000 | $ 380,000 | $ 357,000 |
| El Paso County Colorado | 4 | $ 820,000 | $ 205,000 | $ 495,000 |
| Elkhart County Indiana | 4 | $ 340,000 | $ 85,000 | $ 83,000 |
| Grant County Indiana | 4 | $ 510,000 | $ 127,000 | $ 64,000 |
| Kosciusko County Indiana | 4 | $ 2,410,000 | $ 602,000 | $ 246,000 |
| Lake County Indiana | 4 | $ 690,000 | $ 172,000 | $ 103,000 |
| Parke County Indiana | 4 | $ 220,000 | $ 55,000 | $ 107,000 |
| St. Joseph County Indiana | 4 | $ 960,000 | $ 240,000 | $ 128,000 |
| Tipton County Indiana | 4 | $ 860,000 | $ 215,000 | $ 109,000 |
| Wayne County Indiana | 4 | $ 320,000 | $ 80,000 | $ 56,000 |
| Montgomery County Maryland | 4 | $ 2,340,000 | $ 585,000 | $ 231,000 |
| Clark County Nevada | 4 | $ 220,000 | $ 55,000 | $ 122,000 |
| Johnston County North Carolina | 4 | $ 1,040,000 | $ 260,000 | $ 127,000 |
| Beaufort County South Carolina | 4 | $ 800,000 | $ 200,000 | $ 102,000 |
| Richland County South Carolina | 4 | $ 490,000 | $ 122,000 | $ 63,000 |
| Sacramento County California | 3 | $ 965,000 | $ 321,000 | $ 150,000 |
| San Luis Obispo County California | 3 | $ 1,115,000 | $ 371,000 | $ 270,000 |
| Weld County Colorado | 3 | $ 585,000 | $ 195,000 | $ 86,000 |
| Fairfield County Connecticut | 3 | $ 1,475,000 | $ 491,000 | $ 379,000 |
| Brevard County Florida | 3 | $ 555,000 | $ 185,000 | $ 92,000 |
| Hillsborough County Florida | 3 | $ 935,000 | $ 311,000 | $ 248,000 |
| St. Johns County Florida | 3 | $ 335,000 | $ 111,000 | $ 142,000 |
| Gwinnett County Georgia | 3 | $ 295,000 | $ 98,000 | $ 46,000 |
| DuPage County Illinois | 3 | $ 1,365,000 | $ 455,000 | $ 129,000 |
| Clinton County Indiana | 3 | $ 115,000 | $ 38,000 | $ 81,000 |
| Essex County Massachusetts | 3 | $ 1,255,000 | $ 418,000 | $ 156,000 |
| Middlesex County Massachusetts | 3 | $ 925,000 | $ 308,000 | $ 224,000 |
| Berrien County Michigan | 3 | $ 1,235,000 | $ 411,000 | $ 205,000 |
| Oakland County Michigan | 3 | $ 785,000 | $ 261,000 | $ 86,000 |
| Oceana County Michigan | 3 | $ 975,000 | $ 325,000 | $ 79,000 |
| Washtenaw County Michigan | 3 | $ 995,000 | $ 331,000 | $ 221,000 |
| Grafton County New Hampshire | 3 | $ 205,000 | $ 68,000 | $ 141,000 |
| Warren County New Jersey | 3 | $ 355,000 | $ 118,000 | $ 146,000 |
| Suffolk County New York | 3 | $ 1,015,000 | $ 338,000 | $ 404,000 |
| Orange County North Carolina | 3 | $ 1,075,000 | $ 358,000 | $ 179,000 |
| Wake County North Carolina | 3 | $ 785,000 | $ 261,000 | $ 155,000 |
| Deschutes County Oregon | 3 | $ 1,435,000 | $ 478,000 | $ 138,000 |
| Polk County Oregon | 3 | $ 135,000 | $ 45,000 | $ 68,000 |
| Sumner County Tennessee | 3 | $ 505,000 | $ 168,000 | $ 96,000 |
| Williamson County Tennessee | 3 | $ 1,675,000 | $ 558,000 | $ 332,000 |
| Tarrant County Texas | 3 | $ 475,000 | $ 158,000 | $ 135,000 |
| Travis County Texas | 3 | $ 1,385,000 | $ 461,000 | $ 194,000 |
| Salt Lake County Utah | 3 | $ 995,000 | $ 331,000 | $ 223,000 |
| Baldwin County Alabama | 2 | $ 770,000 | $ 385,000 | $ 135,000 |
| Orange County California | 2 | $ 1,560,000 | $ 780,000 | $ 363,000 |
| San Bernardino County California | 2 | $ 500,000 | $ 250,000 | $ 186,000 |
| Denver County Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 394,000 |
| Garfield County Colorado | 2 | $ 680,000 | $ 340,000 | $ 258,000 |
| Gilpin County Colorado | 2 | $ 970,000 | $ 485,000 | $ 225,000 |
| Marion County Florida | 2 | $ 90,000 | $ 45,000 | $ 121,000 |
| Okaloosa County Florida | 2 | $ 530,000 | $ 265,000 | $ 182,000 |
| Palm Beach County Florida | 2 | $ 530,000 | $ 265,000 | $ 122,000 |
| Pasco County Florida | 2 | $ 240,000 | $ 120,000 | $ 93,000 |
| Seminole County Florida | 2 | $ 480,000 | $ 240,000 | $ 255,000 |
| Chatham County Georgia | 2 | $ 440,000 | $ 220,000 | $ 139,000 |
| DeKalb County Georgia | 2 | $ 670,000 | $ 335,000 | $ 178,000 |
| Fulton County Georgia | 2 | $ 430,000 | $ 215,000 | $ 105,000 |
| Henry County Georgia | 2 | $ 150,000 | $ 75,000 | $ 152,000 |
| Ada County Idaho | 2 | $ 410,000 | $ 205,000 | $ 137,000 |
| Lake County Illinois | 2 | $ 280,000 | $ 140,000 | $ 92,000 |
| Will County Illinois | 2 | $ 1,070,000 | $ 535,000 | $ 205,000 |
| Clay County Indiana | 2 | $ 400,000 | $ 200,000 | $ 131,000 |
| Fountain County Indiana | 2 | $ 200,000 | $ 100,000 | $ 89,000 |
| Greene County Indiana | 2 | $ 420,000 | $ 210,000 | $ 188,000 |
| Howard County Indiana | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Jennings County Indiana | 2 | $ 60,000 | $ 30,000 | $ 41,000 |
| LaPorte County Indiana | 2 | $ 410,000 | $ 205,000 | $ 172,000 |
| Porter County Indiana | 2 | $ 170,000 | $ 85,000 | $ 110,000 |
| Pulaski County Indiana | 2 | $ 220,000 | $ 110,000 | $ 52,000 |
| Steuben County Indiana | 2 | $ 660,000 | $ 330,000 | $ 289,000 |
| White County Indiana | 2 | $ 300,000 | $ 150,000 | $ 56,000 |
| Fayette County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 149,000 |
| St. Tammany County Louisiana | 2 | $ 310,000 | $ 155,000 | $ 143,000 |
| Queen Anne's County Maryland | 2 | $ 960,000 | $ 480,000 | $ 340,000 |
| Plymouth County Massachusetts | 2 | $ 520,000 | $ 260,000 | $ 375,000 |
| Emmet County Michigan | 2 | $ 410,000 | $ 205,000 | $ 159,000 |
| Van Buren County Michigan | 2 | $ 480,000 | $ 240,000 | $ 126,000 |
| Wayne County Michigan | 2 | $ 330,000 | $ 165,000 | $ 96,000 |
| Hennepin County Minnesota | 2 | $ 560,000 | $ 280,000 | $ 200,000 |
| Hudson County New Jersey | 2 | $ 560,000 | $ 280,000 | $ 184,000 |
| Morris County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 255,000 |
| Onondaga County New York | 2 | $ 260,000 | $ 130,000 | $ 133,000 |
| Buncombe County North Carolina | 2 | $ 680,000 | $ 340,000 | $ 150,000 |
| Cabarrus County North Carolina | 2 | $ 940,000 | $ 470,000 | $ 197,000 |
| Cleveland County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 172,000 |
| Durham County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 250,000 |
| Butler County Ohio | 2 | $ 720,000 | $ 360,000 | $ 301,000 |
| Lane County Oregon | 2 | $ 40,000 | $ 20,000 | $ 21,000 |
| Washington County Oregon | 2 | $ 230,000 | $ 115,000 | $ 109,000 |
| Allegheny County Pennsylvania | 2 | $ 1,150,000 | $ 575,000 | $ 171,000 |
| Charleston County South Carolina | 2 | $ 640,000 | $ 320,000 | $ 194,000 |
| Greenville County South Carolina | 2 | $ 690,000 | $ 345,000 | $ 200,000 |
| Spartanburg County South Carolina | 2 | $ 600,000 | $ 300,000 | $ 90,000 |
| Campbell County Tennessee | 2 | $ 700,000 | $ 350,000 | $ 137,000 |
| Davidson County Tennessee | 2 | $ 890,000 | $ 445,000 | $ 96,000 |
| Knox County Tennessee | 2 | $ 140,000 | $ 70,000 | $ 76,000 |
| Shelby County Tennessee | 2 | $ 240,000 | $ 120,000 | $ 132,000 |
| Dallas County Texas | 2 | $ 1,390,000 | $ 695,000 | $ 229,000 |
| Fort Bend County Texas | 2 | $ 660,000 | $ 330,000 | $ 357,000 |
| Williamson County Texas | 2 | $ 80,000 | $ 40,000 | $ 68,000 |
| Davis County Utah | 2 | $ 600,000 | $ 300,000 | $ 108,000 |
| Fairfax County Virginia | 2 | $ 420,000 | $ 210,000 | $ 205,000 |
| Spotsylvania County Virginia | 2 | $ 60,000 | $ 30,000 | $ 74,000 |
| King County Washington | 2 | $ 350,000 | $ 175,000 | $ 314,000 |
| Snohomish County Washington | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| Chambers County Alabama | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Jefferson County Alabama | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Shelby County Alabama | 1 | $ 435,000 | $ 435,000 | $ 168,000 |
| Kenai Peninsula County Alaska | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Coconino County Arizona | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Mohave County Arizona | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Pima County Arizona | 1 | $ 265,000 | $ 265,000 | $ 92,000 |
| Clay County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Greene County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 13,000 |
| Pulaski County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| White County Arkansas | 1 | $ 405,000 | $ 405,000 | $ 185,000 |
| Alameda County California | 1 | $ 875,000 | $ 875,000 | $ 223,000 |
| Contra Costa County California | 1 | $ 95,000 | $ 95,000 | $ 223,000 |
| Fresno County California | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Kern County California | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| San Joaquin County California | 1 | $ 115,000 | $ 115,000 | $ 175,000 |
| Santa Clara County California | 1 | $ 785,000 | $ 785,000 | $ 137,000 |
| Santa Cruz County California | 1 | $ 705,000 | $ 705,000 | $ 229,000 |
| Fremont County Colorado | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Jefferson County Colorado | 1 | $ 155,000 | $ 155,000 | $ 160,000 |
| Pitkin County Colorado | 1 | $ 515,000 | $ 515,000 | $ 379,000 |
| Pueblo County Colorado | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| New Haven County Connecticut | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| District of Columbia County District Of Columbia | 1 | $ 435,000 | $ 435,000 | $ 126,000 |
| Charlotte County Florida | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 123,000 |
| Columbia County Florida | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| Duval County Florida | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
| Hernando County Florida | 1 | $ 325,000 | $ 325,000 | $ 287,000 |
| Highlands County Florida | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| Orange County Florida | 1 | $ 575,000 | $ 575,000 | $ 130,000 |
| Polk County Florida | 1 | $ 325,000 | $ 325,000 | $ 167,000 |
| Santa Rosa County Florida | 1 | $ 395,000 | $ 395,000 | $ 85,000 |
| Barrow County Georgia | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Carroll County Georgia | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Cherokee County Georgia | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Clarke County Georgia | 1 | $ 205,000 | $ 205,000 | $ 212,000 |
| Columbia County Georgia | 1 | $ 255,000 | $ 255,000 | $ 400,000 |
| Forsyth County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lee County Georgia | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Murray County Georgia | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Oglethorpe County Georgia | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Spalding County Georgia | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Terrell County Georgia | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Bonner County Idaho | 1 | $ 205,000 | $ 205,000 | $ 325,000 |
| Champaign County Illinois | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Edgar County Illinois | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Kane County Illinois | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Kendall County Illinois | 1 | $ 5,000 | $ 5,000 | $ 8,000 |
| Logan County Illinois | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Rock Island County Illinois | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Winnebago County Illinois | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Adams County Indiana | 1 | $ 55,000 | $ 55,000 | $ 250,000 |
| Benton County Indiana | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Carroll County Indiana | 1 | $ 225,000 | $ 225,000 | $ 153,000 |
| Crawford County Indiana | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Dearborn County Indiana | 1 | $ 405,000 | $ 405,000 | $ 130,000 |
| Decatur County Indiana | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Floyd County Indiana | 1 | $ 105,000 | $ 105,000 | $ 12,000 |
| Huntington County Indiana | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Jay County Indiana | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Jefferson County Indiana | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Knox County Indiana | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| LaGrange County Indiana | 1 | $ 205,000 | $ 205,000 | $ 193,000 |
| Lawrence County Indiana | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Miami County Indiana | 1 | $ 215,000 | $ 215,000 | $ 157,000 |
| Noble County Indiana | 1 | $ 45,000 | $ 45,000 | $ 186,000 |
| Sullivan County Indiana | 1 | $ 175,000 | $ 175,000 | $ 145,000 |
| Vanderburgh County Indiana | 1 | $ 175,000 | $ 175,000 | $ 217,000 |
| Vermillion County Indiana | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Warren County Indiana | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Warrick County Indiana | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Hamilton County Iowa | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Henry County Iowa | 1 | $ 15,000 | $ 15,000 | $ 186,000 |
| Linn County Iowa | 1 | $ 95,000 | $ 95,000 | $ 183,000 |
| Polk County Iowa | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| Woodbury County Iowa | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Christian County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Grant County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Green County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Nelson County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Oldham County Kentucky | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Woodford County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 124,000 |
| East Baton Rouge County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 153,000 |
| Ouachita County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Baltimore County Maryland | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Charles County Maryland | 1 | $ 365,000 | $ 365,000 | $ 100,000 |
| Frederick County Maryland | 1 | $ 375,000 | $ 375,000 | $ 151,000 |
| Harford County Maryland | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Howard County Maryland | 1 | $ 575,000 | $ 575,000 | $ 224,000 |
| Washington County Maryland | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Norfolk County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Suffolk County Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 556,000 |
| Worcester County Massachusetts | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Antrim County Michigan | 1 | $ 625,000 | $ 625,000 | $ 204,000 |
| Charlevoix County Michigan | 1 | $ 165,000 | $ 165,000 | $ 163,000 |
| Genesee County Michigan | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Macomb County Michigan | 1 | $ 505,000 | $ 505,000 | $ 947,000 |
| Monroe County Michigan | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Anoka County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Carver County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| Dakota County Minnesota | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
| Hubbard County Minnesota | 1 | $ 755,000 | $ 755,000 | $ 1,233,000 |
| Washington County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Alcorn County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 204,000 |
| DeSoto County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Jackson County Missouri | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Jasper County Missouri | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Ray County Missouri | 1 | $ 345,000 | $ 345,000 | $ 104,000 |
| St. Louis County Missouri | 1 | $ 395,000 | $ 395,000 | $ 375,000 |
| Flathead County Montana | 1 | $ 675,000 | $ 675,000 | $ 158,000 |
| Yellowstone County Montana | 1 | $ 245,000 | $ 245,000 | $ 180,000 |
| Dawson County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Douglas County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 112,000 |
| Lancaster County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Washoe County Nevada | 1 | $ 505,000 | $ 505,000 | $ 556,000 |
| Hillsborough County New Hampshire | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Rockingham County New Hampshire | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Bergen County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 456,000 |
| Monmouth County New Jersey | 1 | $ 425,000 | $ 425,000 | $ 229,000 |
| Sussex County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 289,000 |
| Union County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Dona Ana County New Mexico | 1 | $ 85,000 | $ 85,000 | $ 600,000 |
| Sandoval County New Mexico | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Albany County New York | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Fulton County New York | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Kings County New York | 1 | $ 485,000 | $ 485,000 | $ 237,000 |
| Nassau County New York | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| New York County New York | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Rensselaer County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Saratoga County New York | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Westchester County New York | 1 | $ 255,000 | $ 255,000 | $ 270,000 |
| Alamance County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 290,000 |
| Chatham County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 60,000 |
| Cumberland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Davidson County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 86,000 |
| Edgecombe County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Gaston County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Haywood County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Delaware County Ohio | 1 | $ 325,000 | $ 325,000 | $ 326,000 |
| Geauga County Ohio | 1 | $ 465,000 | $ 465,000 | $ 136,000 |
| Greene County Ohio | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Holmes County Ohio | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
| Jefferson County Ohio | 1 | $ 165,000 | $ 165,000 | $ 102,000 |
| Lucas County Ohio | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Madison County Ohio | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Miami County Ohio | 1 | $ 325,000 | $ 325,000 | $ 255,000 |
| Noble County Ohio | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Summit County Ohio | 1 | $ 265,000 | $ 265,000 | $ 190,000 |
| Trumbull County Ohio | 1 | $ 155,000 | $ 155,000 | $ 195,000 |
| McClain County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Oklahoma County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Rogers County Oklahoma | 1 | $ 415,000 | $ 415,000 | $ 222,000 |
| Tulsa County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 105,000 |
| Lincoln County Oregon | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Marion County Oregon | 1 | $ 55,000 | $ 55,000 | $ 184,000 |
| Multnomah County Oregon | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Chester County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Delaware County Pennsylvania | 1 | $ 785,000 | $ 785,000 | $ 285,000 |
| Erie County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 177,000 |
| Mercer County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Northampton County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 677,000 |
| York County Pennsylvania | 1 | $ 655,000 | $ 655,000 | $ 352,000 |
| Kent County Rhode Island | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Dorchester County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Florence County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| Horry County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 238,000 |
| Lexington County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 101,000 |
| Lawrence County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Minnehaha County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 127,000 |
| Union County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Blount County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 103,000 |
| Carter County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Cocke County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 273,000 |
| Loudon County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Sevier County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 381,000 |
| Weakley County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 244,000 |
| Wilson County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Bexar County Texas | 1 | $ 615,000 | $ 615,000 | $ 435,000 |
| Collin County Texas | 1 | $ 115,000 | $ 115,000 | $ 299,000 |
| Gillespie County Texas | 1 | $ 25,000 | $ 25,000 | $ 253,000 |
| Hamilton County Texas | 1 | $ 85,000 | $ 85,000 | $ 227,000 |
| Jefferson County Texas | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Montgomery County Texas | 1 | $ 465,000 | $ 465,000 | $ 150,000 |
| Rains County Texas | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Smith County Texas | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Wichita County Texas | 1 | $ 225,000 | $ 225,000 | $ 230,000 |
| Utah County Utah | 1 | $ 805,000 | $ 805,000 | $ 280,000 |
| Alexandria County Virginia | 1 | $ 505,000 | $ 505,000 | $ 22,000 |
| Frederick County Virginia | 1 | $ 125,000 | $ 125,000 | $ 212,000 |
| Goochland County Virginia | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| James City County Virginia | 1 | $ 425,000 | $ 425,000 | $ 142,000 |
| Orange County Virginia | 1 | $ 375,000 | $ 375,000 | $ 86,000 |
| Powhatan County Virginia | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Clark County Washington | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Kitsap County Washington | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Pierce County Washington | 1 | $ 255,000 | $ 255,000 | $ 228,000 |
| Spokane County Washington | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Whatcom County Washington | 1 | $ 655,000 | $ 655,000 | $ 283,000 |
| Kanawha County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Raleigh County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Brown County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Milwaukee County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| Walworth County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Waukesha County Wisconsin | 1 | $ 745,000 | $ 745,000 | $ 220,000 |
| Albany County Wyoming | 1 | $ 305,000 | $ 305,000 | $ 377,000 |
| Teton County Wyoming | 1 | $ 505,000 | $ 505,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Elements Financial Federal 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 | 1,281 | $428,025,000 | $334,000 | $1,645,000 | $158,000 | $1,343,000 |
| Home Improvement | 627 | $54,695,000 | $87,000 | $755,000 | $141,000 | $1,420,000 |
| Cash-out Refinancing | 535 | $123,255,000 | $230,000 | $2,705,000 | $150,000 | $1,440,000 |
| Refinancing | 479 | $120,545,000 | $251,000 | $1,605,000 | $144,000 | $890,000 |
| Other Purpose | 341 | $39,215,000 | $115,000 | $985,000 | $157,000 | $2,606,000 |
| 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 | 2,459 | $561,675,000 | $228,000 | $1,605,000 | $150,000 | $2,606,000 |
| Not Provided | 264 | $59,080,000 | $223,000 | $1,535,000 | $158,000 | $1,033,000 |
| Black or African American | 204 | $34,390,000 | $168,000 | $1,645,000 | $116,000 | $1,343,000 |
| Asian | 144 | $46,960,000 | $326,000 | $1,255,000 | $201,000 | $666,000 |
| Hispanic | 130 | $33,590,000 | $258,000 | $1,205,000 | $165,000 | $573,000 |
| Not applicable | 20 | $13,520,000 | $676,000 | $2,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $2,405,000 | $185,000 | $855,000 | $103,000 | $236,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $68,000 | $68,000 |
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) | 3,192 | $749,800,000 | $234,000 | $2,705,000 | $153,000 | $2,606,000 |
| FHA-insured (Federal Housing Administration) | 48 | $10,080,000 | $210,000 | $365,000 | $82,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 14 | $4,050,000 | $289,000 | $525,000 | $117,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,805,000 | $200,000 | $345,000 | $64,000 | $100,000 |
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 | 2,381 | $587,725,000 | $246,000 | $2,705,000 | $156,000 | $2,606,000 |
| Application Withdrawn By Applicant | 473 | $124,925,000 | $264,000 | $1,255,000 | $156,000 | $1,310,000 |
| Application Denied By Financial Institution | 345 | $39,705,000 | $115,000 | $1,235,000 | $106,000 | $1,440,000 |
| File Closed For Incompleteness | 37 | $9,065,000 | $245,000 | $1,225,000 | $183,000 | $890,000 |
| Application Approved But Not Accepted | 25 | $4,005,000 | $160,000 | $855,000 | $146,000 | $325,000 |
| Loan Purchased By The Institution | 2 | $310,000 | $155,000 | $215,000 | $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 | 2,918 | $726,030,000 | $248,000 | $2,705,000 | $156,000 | $2,606,000 |
| Credit History | 151 | $15,365,000 | $101,000 | $1,205,000 | $99,000 | $1,440,000 |
| Debt-To-Income Ratio | 73 | $10,215,000 | $139,000 | $925,000 | $73,000 | $217,000 |
| Collateral | 42 | $6,130,000 | $145,000 | $1,235,000 | $193,000 | $890,000 |
| Credit Application Incomplete | 34 | $3,050,000 | $89,000 | $295,000 | $104,000 | $456,000 |
| Other | 27 | $2,725,000 | $100,000 | $505,000 | $124,000 | $253,000 |
| Unverifiable Information | 12 | $1,380,000 | $115,000 | $175,000 | $70,000 | $140,000 |
| Employment History | 5 | $705,000 | $141,000 | $255,000 | $106,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Elements Financial Federal 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 Elements Financial Federal 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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.