Emery Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Emery Federal Credit Union 2012 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 | Emery Federal Credit Union 7890 East Kemper Road Cincinnati, OH 45249 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 | 221 |
| Total Mortgage Loan Application Amount | $57,390,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $1,075,000 |
| Average Applicant Income | $119,333 |
| Highest Applicant Income | $1,092,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Emery 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 Emery Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Emery 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 Emery Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Emery 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 Emery Federal Credit Union's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Ohio | 26 | $ 6,122,000 | $ 235,000 | $ 190,000 |
| Butler County Ohio | 11 | $ 1,738,000 | $ 158,000 | $ 111,000 |
| Snohomish County Washington | 6 | $ 1,697,000 | $ 282,000 | $ 107,000 |
| Los Angeles County California | 4 | $ 1,058,000 | $ 264,000 | $ 176,000 |
| Frederick County Maryland | 4 | $ 847,000 | $ 211,000 | $ 88,000 |
| Monmouth County New Jersey | 4 | $ 866,000 | $ 216,000 | $ 97,000 |
| Warren County Ohio | 4 | $ 570,000 | $ 142,000 | $ 108,000 |
| Centre County Pennsylvania | 4 | $ 1,128,000 | $ 282,000 | $ 152,000 |
| Chester County Pennsylvania | 4 | $ 925,000 | $ 231,000 | $ 141,000 |
| San Diego County California | 3 | $ 909,000 | $ 303,000 | $ 82,000 |
| Sussex County Delaware | 3 | $ 842,000 | $ 280,000 | $ 119,000 |
| Howard County Maryland | 3 | $ 876,000 | $ 292,000 | $ 167,000 |
| Macomb County Michigan | 3 | $ 495,000 | $ 165,000 | $ 64,000 |
| Summit County Ohio | 3 | $ 759,000 | $ 253,000 | $ 169,000 |
| Montgomery County Pennsylvania | 3 | $ 899,000 | $ 299,000 | $ 157,000 |
| Marshall County Alabama | 2 | $ 724,000 | $ 362,000 | $ 170,000 |
| Maricopa County Arizona | 2 | $ 437,000 | $ 218,000 | $ 154,000 |
| Pima County Arizona | 2 | $ 674,000 | $ 337,000 | $ 151,000 |
| Alameda County California | 2 | $ 670,000 | $ 335,000 | $ 275,000 |
| Fairfield County Connecticut | 2 | $ 902,000 | $ 451,000 | $ 343,000 |
| Cobb County Georgia | 2 | $ 608,000 | $ 304,000 | $ 166,000 |
| Fulton County Georgia | 2 | $ 693,000 | $ 346,000 | $ 175,000 |
| Jefferson County Kentucky | 2 | $ 591,000 | $ 295,000 | $ 170,000 |
| Caddo County Louisiana | 2 | $ 642,000 | $ 321,000 | $ 143,000 |
| Cumberland County Maine | 2 | $ 592,000 | $ 296,000 | $ 185,000 |
| Carroll County Maryland | 2 | $ 550,000 | $ 275,000 | $ 132,000 |
| Montgomery County Maryland | 2 | $ 602,000 | $ 301,000 | $ 127,000 |
| Wayne County Michigan | 2 | $ 712,000 | $ 356,000 | $ 208,000 |
| Hennepin County Minnesota | 2 | $ 578,000 | $ 289,000 | $ 121,000 |
| Jackson County Missouri | 2 | $ 409,000 | $ 204,000 | $ 150,000 |
| Clark County Nevada | 2 | $ 834,000 | $ 417,000 | $ 276,000 |
| Bernalillo County New Mexico | 2 | $ 397,000 | $ 198,000 | $ 101,000 |
| Brown County Ohio | 2 | $ 133,000 | $ 66,000 | $ 87,000 |
| Fauquier County Virginia | 2 | $ 749,000 | $ 374,000 | $ 174,000 |
| Lee County Alabama | 1 | $ 310,000 | $ 310,000 | $ 180,000 |
| Madison County Alabama | 1 | $ 237,000 | $ 237,000 | $ 129,000 |
| Yell County Arkansas | 1 | $ 300,000 | $ 300,000 | $ 144,000 |
| San Francisco County California | 1 | $ 375,000 | $ 375,000 | $ 100,000 |
| San Mateo County California | 1 | $ 389,000 | $ 389,000 | $ 68,000 |
| Santa Clara County California | 1 | $ 407,000 | $ 407,000 | $ 126,000 |
| Arapahoe County Colorado | 1 | $ 303,000 | $ 303,000 | $ 185,000 |
| Boulder County Colorado | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Douglas County Colorado | 1 | $ 298,000 | $ 298,000 | $ 110,000 |
| Jefferson County Colorado | 1 | $ 407,000 | $ 407,000 | $ 105,000 |
| New Haven County Connecticut | 1 | $ 296,000 | $ 296,000 | $ 174,000 |
| New Castle County Delaware | 1 | $ 153,000 | $ 153,000 | $ 45,000 |
| District of Columbia County District Of Columbia | 1 | $ 92,000 | $ 92,000 | $ 221,000 |
| Manatee County Florida | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Martin County Florida | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Seminole County Florida | 1 | $ 375,000 | $ 375,000 | $ 229,000 |
| DeKalb County Georgia | 1 | $ 409,000 | $ 409,000 | $ 433,000 |
| Fayette County Georgia | 1 | $ 301,000 | $ 301,000 | $ 232,000 |
| Hawaii County Hawaii | 1 | $ 180,000 | $ 180,000 | $ 37,000 |
| Honolulu County Hawaii | 1 | $ 400,000 | $ 400,000 | $ 226,000 |
| Ada County Idaho | 1 | $ 399,000 | $ 399,000 | $ 202,000 |
| Twin Falls County Idaho | 1 | $ 390,000 | $ 390,000 | $ 264,000 |
| Lake County Illinois | 1 | $ 287,000 | $ 287,000 | $ 83,000 |
| McHenry County Illinois | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Clark County Indiana | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Dearborn County Indiana | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Hamilton County Indiana | 1 | $ 254,000 | $ 254,000 | $ 295,000 |
| Dallas County Iowa | 1 | $ 301,000 | $ 301,000 | $ 94,000 |
| Leavenworth County Kansas | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Pottawatomie County Kansas | 1 | $ 199,000 | $ 199,000 | $ 107,000 |
| Boone County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 123,000 |
| Edmonson County Kentucky | 1 | $ 172,000 | $ 172,000 | $ 85,000 |
| Kenton County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Baltimore County Maryland | 1 | $ 390,000 | $ 390,000 | $ 400,000 |
| Harford County Maryland | 1 | $ 204,000 | $ 204,000 | $ 419,000 |
| Prince George's County Maryland | 1 | $ 304,000 | $ 304,000 | $ 180,000 |
| Talbot County Maryland | 1 | $ 250,000 | $ 250,000 | $ 137,000 |
| Hampshire County Massachusetts | 1 | $ 186,000 | $ 186,000 | $ 179,000 |
| Middlesex County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 146,000 |
| Norfolk County Massachusetts | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Worcester County Massachusetts | 1 | $ 267,000 | $ 267,000 | $ 182,000 |
| Ottawa County Michigan | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Carver County Minnesota | 1 | $ 310,000 | $ 310,000 | $ 268,000 |
| Ramsey County Minnesota | 1 | $ 233,000 | $ 233,000 | $ 150,000 |
| Wadena County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Washington County Minnesota | 1 | $ 400,000 | $ 400,000 | $ 107,000 |
| Linn County Missouri | 1 | $ 226,000 | $ 226,000 | $ 443,000 |
| Platte County Missouri | 1 | $ 320,000 | $ 320,000 | $ 159,000 |
| Douglas County Nebraska | 1 | $ 372,000 | $ 372,000 | $ 144,000 |
| Douglas County Nevada | 1 | $ 250,000 | $ 250,000 | $ 140,000 |
| Carroll County New Hampshire | 1 | $ 389,000 | $ 389,000 | $ 148,000 |
| Hillsborough County New Hampshire | 1 | $ 288,000 | $ 288,000 | $ 131,000 |
| Atlantic County New Jersey | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Hunterdon County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 165,000 |
| Ocean County New Jersey | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Passaic County New Jersey | 1 | $ 304,000 | $ 304,000 | $ 152,000 |
| Union County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
| Valencia County New Mexico | 1 | $ 290,000 | $ 290,000 | $ 273,000 |
| Albany County New York | 1 | $ 136,000 | $ 136,000 | $ 141,000 |
| Columbia County New York | 1 | $ 190,000 | $ 190,000 | $ 200,000 |
| Ulster County New York | 1 | $ 240,000 | $ 240,000 | $ 156,000 |
| Westchester County New York | 1 | $ 226,000 | $ 226,000 | $ 123,000 |
| Polk County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 227,000 |
| Wake County North Carolina | 1 | $ 380,000 | $ 380,000 | $ 170,000 |
| Yancey County North Carolina | 1 | $ 348,000 | $ 348,000 | $ 120,000 |
| Clermont County Ohio | 1 | $ 157,000 | $ 157,000 | $ 108,000 |
| Franklin County Ohio | 1 | $ 176,000 | $ 176,000 | $ 109,000 |
| Greene County Ohio | 1 | $ 142,000 | $ 142,000 | $ 51,000 |
| Stark County Ohio | 1 | $ 260,000 | $ 260,000 | $ 495,000 |
| Wayne County Ohio | 1 | $ 204,000 | $ 204,000 | $ 121,000 |
| Douglas County Oregon | 1 | $ 201,000 | $ 201,000 | $ 72,000 |
| Washington County Oregon | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Allegheny County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 122,000 |
| Monroe County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Philadelphia County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Wayne County Pennsylvania | 1 | $ 412,000 | $ 412,000 | $ 119,000 |
| Providence County Rhode Island | 1 | $ 416,000 | $ 416,000 | $ 115,000 |
| Beaufort County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 93,000 |
| Greenville County South Carolina | 1 | $ 214,000 | $ 214,000 | $ 99,000 |
| Spartanburg County South Carolina | 1 | $ 392,000 | $ 392,000 | $ 157,000 |
| Sumter County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Davidson County Tennessee | 1 | $ 238,000 | $ 238,000 | $ 204,000 |
| Harris County Texas | 1 | $ 98,000 | $ 98,000 | $ 51,000 |
| Salt Lake County Utah | 1 | $ 147,000 | $ 147,000 | $ 81,000 |
| Utah County Utah | 1 | $ 309,000 | $ 309,000 | $ 139,000 |
| Grand Isle County Vermont | 1 | $ 262,000 | $ 262,000 | $ 104,000 |
| Chesterfield County Virginia | 1 | $ 381,000 | $ 381,000 | $ 131,000 |
| Henrico County Virginia | 1 | $ 163,000 | $ 163,000 | $ 62,000 |
| Loudoun County Virginia | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Northumberland County Virginia | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Spotsylvania County Virginia | 1 | $ 390,000 | $ 390,000 | $ 113,000 |
| King County Washington | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Lewis County Washington | 1 | $ 138,000 | $ 138,000 | $ 81,000 |
| Pierce County Washington | 1 | $ 308,000 | $ 308,000 | $ 110,000 |
| Skagit County Washington | 1 | $ 307,000 | $ 307,000 | $ 76,000 |
| Whatcom County Washington | 1 | $ 401,000 | $ 401,000 | $ 158,000 |
| Berkeley County West Virginia | 1 | $ 360,000 | $ 360,000 | $ 149,000 |
| Winnebago County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Emery Federal Credit Union in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 204 | $54,679,000 | $268,000 | $1,075,000 | $151,000 | $1,092,000 |
| Home Purchase | 13 | $2,497,000 | $192,000 | $480,000 | $142,000 | $423,000 |
| Home Improvement | 4 | $214,000 | $53,000 | $94,000 | $65,000 | $84,000 |
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 | 200 | $51,391,000 | $256,000 | $1,075,000 | $150,000 | $1,092,000 |
| Asian | 11 | $3,205,000 | $291,000 | $480,000 | $131,000 | $229,000 |
| Black or African American | 5 | $1,300,000 | $260,000 | $410,000 | $147,000 | $207,000 |
| Not Provided | 4 | $1,134,000 | $283,000 | $321,000 | $150,000 | $155,000 |
| Hispanic | 1 | $360,000 | $360,000 | $360,000 | $149,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 221 | $57,390,000 | $259,000 | $1,075,000 | $149,000 | $1,092,000 |
| 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 | 185 | $47,493,000 | $256,000 | $1,075,000 | $150,000 | $1,092,000 |
| Application Withdrawn By Applicant | 22 | $6,155,000 | $279,000 | $417,000 | $129,000 | $277,000 |
| Application Denied By Financial Institution | 14 | $3,742,000 | $267,000 | $405,000 | $169,000 | $443,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 7 | $1,937,000 | $276,000 | $330,000 | $216,000 | $443,000 |
| Other | 4 | $847,000 | $211,000 | $300,000 | $131,000 | $273,000 |
| Debt-To-Income Ratio | 2 | $805,000 | $402,000 | $405,000 | $143,000 | $180,000 |
| Unverifiable Information | 1 | $153,000 | $153,000 | $153,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Emery Federal Credit Union's 2012 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 Emery 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.
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with aggregated HMDA statistics today.