Emery Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Emery Federal Credit Union 2014 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 | 549 |
| Total Mortgage Loan Application Amount | $121,539,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $90,666 |
| Highest Applicant Income | $1,092,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 28 | $ 4,010,000 | $ 143,000 | $ 142,000 |
| San Diego County California | 14 | $ 5,372,000 | $ 383,000 | $ 195,000 |
| Clark County Nevada | 10 | $ 1,954,000 | $ 195,000 | $ 33,000 |
| Maricopa County Arizona | 9 | $ 1,881,000 | $ 209,000 | $ 53,000 |
| Los Angeles County California | 9 | $ 3,116,000 | $ 346,000 | $ 120,000 |
| Butler County Ohio | 9 | $ 1,341,000 | $ 149,000 | $ 99,000 |
| Riverside County California | 7 | $ 1,344,000 | $ 192,000 | $ 40,000 |
| Warren County Ohio | 7 | $ 1,121,000 | $ 160,000 | $ 84,000 |
| Cook County Illinois | 6 | $ 810,000 | $ 135,000 | $ 27,000 |
| Mecklenburg County North Carolina | 6 | $ 1,139,000 | $ 189,000 | $ 54,000 |
| Salt Lake County Utah | 6 | $ 1,425,000 | $ 237,000 | $ 81,000 |
| San Bernardino County California | 5 | $ 1,168,000 | $ 233,000 | $ 12,000 |
| Broward County Florida | 5 | $ 1,297,000 | $ 259,000 | $ 57,000 |
| Baltimore County Maryland | 5 | $ 1,401,000 | $ 280,000 | $ 106,000 |
| Cumberland County North Carolina | 5 | $ 1,126,000 | $ 225,000 | $ 14,000 |
| Orange County California | 4 | $ 1,889,000 | $ 472,000 | $ 87,000 |
| Douglas County Colorado | 4 | $ 1,154,000 | $ 288,000 | $ 58,000 |
| El Paso County Colorado | 4 | $ 1,005,000 | $ 251,000 | $ 30,000 |
| Honolulu County Hawaii | 4 | $ 1,810,000 | $ 452,000 | $ 140,000 |
| Suffolk County Massachusetts | 4 | $ 1,439,000 | $ 359,000 | $ 76,000 |
| Bell County Texas | 4 | $ 815,000 | $ 203,000 | $ 20,000 |
| Bexar County Texas | 4 | $ 1,157,000 | $ 289,000 | $ 221,000 |
| Utah County Utah | 4 | $ 936,000 | $ 234,000 | $ 41,000 |
| Pinal County Arizona | 3 | $ 537,000 | $ 179,000 | $ 15,000 |
| Yavapai County Arizona | 3 | $ 1,012,000 | $ 337,000 | $ 40,000 |
| Kings County California | 3 | $ 285,000 | $ 95,000 | $ 621,000 |
| Solano County California | 3 | $ 827,000 | $ 275,000 | $ 19,000 |
| Collier County Florida | 3 | $ 659,000 | $ 219,000 | $ 47,000 |
| Duval County Florida | 3 | $ 1,040,000 | $ 346,000 | $ 44,000 |
| Hillsborough County Florida | 3 | $ 593,000 | $ 197,000 | $ 0 |
| Palm Beach County Florida | 3 | $ 820,000 | $ 273,000 | $ 125,000 |
| Kenton County Kentucky | 3 | $ 363,000 | $ 121,000 | $ 83,000 |
| Prince George's County Maryland | 3 | $ 515,000 | $ 171,000 | $ 83,000 |
| Hennepin County Minnesota | 3 | $ 653,000 | $ 217,000 | $ 59,000 |
| Burlington County New Jersey | 3 | $ 569,000 | $ 189,000 | $ 31,000 |
| Dona Ana County New Mexico | 3 | $ 470,000 | $ 156,000 | $ 46,000 |
| Suffolk County New York | 3 | $ 893,000 | $ 297,000 | $ 56,000 |
| Onslow County North Carolina | 3 | $ 531,000 | $ 177,000 | $ 0 |
| Clermont County Ohio | 3 | $ 346,000 | $ 115,000 | $ 77,000 |
| Shelby County Tennessee | 3 | $ 239,000 | $ 79,000 | $ 92,000 |
| Baldwin County Alabama | 2 | $ 583,000 | $ 291,000 | $ 36,000 |
| Madison County Alabama | 2 | $ 421,000 | $ 210,000 | $ 0 |
| Navajo County Arizona | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Fresno County California | 2 | $ 394,000 | $ 197,000 | $ 0 |
| San Joaquin County California | 2 | $ 575,000 | $ 287,000 | $ 55,000 |
| Santa Clara County California | 2 | $ 1,429,000 | $ 714,000 | $ 172,000 |
| Ventura County California | 2 | $ 511,000 | $ 255,000 | $ 0 |
| Denver County Colorado | 2 | $ 475,000 | $ 237,000 | $ 52,000 |
| Jefferson County Colorado | 2 | $ 459,000 | $ 229,000 | $ 27,000 |
| Mesa County Colorado | 2 | $ 281,000 | $ 140,000 | $ 0 |
| Pueblo County Colorado | 2 | $ 472,000 | $ 236,000 | $ 105,000 |
| Weld County Colorado | 2 | $ 415,000 | $ 207,000 | $ 20,000 |
| District of Columbia County District Of Columbia | 2 | $ 849,000 | $ 424,000 | $ 217,000 |
| Bay County Florida | 2 | $ 416,000 | $ 208,000 | $ 165,000 |
| Citrus County Florida | 2 | $ 316,000 | $ 158,000 | $ 94,000 |
| Clay County Florida | 2 | $ 353,000 | $ 176,000 | $ 0 |
| Escambia County Florida | 2 | $ 685,000 | $ 342,000 | $ 120,000 |
| Lee County Florida | 2 | $ 194,000 | $ 97,000 | $ 87,000 |
| Pinellas County Florida | 2 | $ 339,000 | $ 169,000 | $ 30,000 |
| Sarasota County Florida | 2 | $ 311,000 | $ 155,000 | $ 125,000 |
| Volusia County Florida | 2 | $ 428,000 | $ 214,000 | $ 188,000 |
| Columbia County Georgia | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Houston County Georgia | 2 | $ 399,000 | $ 199,000 | $ 0 |
| Paulding County Georgia | 2 | $ 168,000 | $ 84,000 | $ 0 |
| Ada County Idaho | 2 | $ 276,000 | $ 138,000 | $ 70,000 |
| Canyon County Idaho | 2 | $ 354,000 | $ 177,000 | $ 91,000 |
| Madison County Illinois | 2 | $ 316,000 | $ 158,000 | $ 91,000 |
| Dearborn County Indiana | 2 | $ 281,000 | $ 140,000 | $ 96,000 |
| Elkhart County Indiana | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Polk County Iowa | 2 | $ 386,000 | $ 193,000 | $ 38,000 |
| Johnson County Kansas | 2 | $ 387,000 | $ 193,000 | $ 81,000 |
| Anne Arundel County Maryland | 2 | $ 648,000 | $ 324,000 | $ 62,000 |
| Harford County Maryland | 2 | $ 503,000 | $ 251,000 | $ 70,000 |
| Hillsborough County New Hampshire | 2 | $ 740,000 | $ 370,000 | $ 61,000 |
| Bernalillo County New Mexico | 2 | $ 486,000 | $ 243,000 | $ 47,000 |
| Eddy County New Mexico | 2 | $ 320,000 | $ 160,000 | $ 28,000 |
| Kings County New York | 2 | $ 587,000 | $ 293,000 | $ 49,000 |
| Cabarrus County North Carolina | 2 | $ 259,000 | $ 129,000 | $ 55,000 |
| Henderson County North Carolina | 2 | $ 277,000 | $ 138,000 | $ 0 |
| Mahoning County Ohio | 2 | $ 415,000 | $ 207,000 | $ 94,000 |
| Montgomery County Ohio | 2 | $ 187,000 | $ 93,000 | $ 118,000 |
| Lycoming County Pennsylvania | 2 | $ 574,000 | $ 287,000 | $ 0 |
| Providence County Rhode Island | 2 | $ 356,000 | $ 178,000 | $ 73,000 |
| Horry County South Carolina | 2 | $ 485,000 | $ 242,000 | $ 85,000 |
| Richland County South Carolina | 2 | $ 501,000 | $ 250,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 323,000 | $ 161,000 | $ 36,000 |
| Hamilton County Tennessee | 2 | $ 432,000 | $ 216,000 | $ 0 |
| Tipton County Tennessee | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Williamson County Tennessee | 2 | $ 789,000 | $ 394,000 | $ 116,000 |
| Denton County Texas | 2 | $ 567,000 | $ 283,000 | $ 144,000 |
| El Paso County Texas | 2 | $ 291,000 | $ 145,000 | $ 35,000 |
| Harris County Texas | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Tarrant County Texas | 2 | $ 300,000 | $ 150,000 | $ 50,000 |
| Chesapeake County Virginia | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Fairfax County Virginia | 2 | $ 721,000 | $ 360,000 | $ 0 |
| Norfolk County Virginia | 2 | $ 431,000 | $ 215,000 | $ 0 |
| Prince William County Virginia | 2 | $ 1,143,000 | $ 571,000 | $ 0 |
| Spokane County Washington | 2 | $ 396,000 | $ 198,000 | $ 0 |
| Milwaukee County Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 81,000 |
| Lee County Alabama | 1 | $ 283,000 | $ 283,000 | $ 112,000 |
| Morgan County Alabama | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Shelby County Alabama | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 142,000 | $ 142,000 | $ 75,000 |
| Haines County Alaska | 1 | $ 214,000 | $ 214,000 | $ 40,000 |
| Juneau County Alaska | 1 | $ 324,000 | $ 324,000 | $ 69,000 |
| Kenai Peninsula County Alaska | 1 | $ 169,000 | $ 169,000 | $ 188,000 |
| Pima County Arizona | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Benton County Arkansas | 1 | $ 292,000 | $ 292,000 | $ 168,000 |
| Pulaski County Arkansas | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Alameda County California | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Butte County California | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Contra Costa County California | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Madera County California | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Marin County California | 1 | $ 270,000 | $ 270,000 | $ 73,000 |
| Placer County California | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Sacramento County California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 400,000 | $ 400,000 | $ 109,000 |
| Santa Cruz County California | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Shasta County California | 1 | $ 260,000 | $ 260,000 | $ 127,000 |
| Stanislaus County California | 1 | $ 380,000 | $ 380,000 | $ 154,000 |
| Arapahoe County Colorado | 1 | $ 307,000 | $ 307,000 | $ 55,000 |
| Lake County Colorado | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 227,000 | $ 227,000 | $ 66,000 |
| Middlesex County Connecticut | 1 | $ 287,000 | $ 287,000 | $ 0 |
| New Castle County Delaware | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Sussex County Delaware | 1 | $ 323,000 | $ 323,000 | $ 135,000 |
| Alachua County Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lake County Florida | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Leon County Florida | 1 | $ 169,000 | $ 169,000 | $ 69,000 |
| Marion County Florida | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 323,000 | $ 323,000 | $ 169,000 |
| Orange County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Osceola County Florida | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Butts County Georgia | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Chatham County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clayton County Georgia | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Coweta County Georgia | 1 | $ 244,000 | $ 244,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Douglas County Georgia | 1 | $ 129,000 | $ 129,000 | $ 41,000 |
| Effingham County Georgia | 1 | $ 257,000 | $ 257,000 | $ 80,000 |
| Fayette County Georgia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Henry County Georgia | 1 | $ 310,000 | $ 310,000 | $ 127,000 |
| Jackson County Georgia | 1 | $ 140,000 | $ 140,000 | $ 26,000 |
| Muscogee County Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Oconee County Georgia | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| Richmond County Georgia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 246,000 | $ 246,000 | $ 60,000 |
| Kauai County Hawaii | 1 | $ 551,000 | $ 551,000 | $ 703,000 |
| Maui County Hawaii | 1 | $ 350,000 | $ 350,000 | $ 65,000 |
| Bonner County Idaho | 1 | $ 160,000 | $ 160,000 | $ 47,000 |
| Elmore County Idaho | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Kootenai County Idaho | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Twin Falls County Idaho | 1 | $ 404,000 | $ 404,000 | $ 100,000 |
| Carroll County Indiana | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lake County Indiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Marion County Indiana | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Montgomery County Indiana | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Warrick County Indiana | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Cherokee County Kansas | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Leavenworth County Kansas | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Breckinridge County Kentucky | 1 | $ 69,000 | $ 69,000 | $ 72,000 |
| Campbell County Kentucky | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Henderson County Kentucky | 1 | $ 113,000 | $ 113,000 | $ 99,000 |
| Knox County Kentucky | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Lee County Kentucky | 1 | $ 300,000 | $ 300,000 | $ 529,000 |
| Scott County Kentucky | 1 | $ 186,000 | $ 186,000 | $ 37,000 |
| Spencer County Kentucky | 1 | $ 262,000 | $ 262,000 | $ 125,000 |
| Orleans County Louisiana | 1 | $ 153,000 | $ 153,000 | $ 171,000 |
| Ouachita County Louisiana | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Cumberland County Maine | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Penobscot County Maine | 1 | $ 204,000 | $ 204,000 | $ 90,000 |
| Baltimore City County Maryland | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cecil County Maryland | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Howard County Maryland | 1 | $ 490,000 | $ 490,000 | $ 149,000 |
| Montgomery County Maryland | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| St. Mary's County Maryland | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| Bristol County Massachusetts | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 199,000 | $ 199,000 | $ 47,000 |
| Hampden County Massachusetts | 1 | $ 149,000 | $ 149,000 | $ 66,000 |
| Hampshire County Massachusetts | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Plymouth County Massachusetts | 1 | $ 194,000 | $ 194,000 | $ 35,000 |
| Eaton County Michigan | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Ingham County Michigan | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Kent County Michigan | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wayne County Michigan | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Anoka County Minnesota | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 166,000 | $ 166,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Adair County Missouri | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| St. Louis County Missouri | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Cascade County Montana | 1 | $ 217,000 | $ 217,000 | $ 74,000 |
| Lincoln County Montana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Yellowstone County Montana | 1 | $ 276,000 | $ 276,000 | $ 67,000 |
| Lyon County Nevada | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 168,000 |
| Strafford County New Hampshire | 1 | $ 231,000 | $ 231,000 | $ 69,000 |
| Bergen County New Jersey | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Essex County New Jersey | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 327,000 | $ 327,000 | $ 93,000 |
| Ocean County New Jersey | 1 | $ 186,000 | $ 186,000 | $ 96,000 |
| McKinley County New Mexico | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Chautauqua County New York | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Dutchess County New York | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| New York County New York | 1 | $ 950,000 | $ 950,000 | $ 386,000 |
| Orange County New York | 1 | $ 366,000 | $ 366,000 | $ 108,000 |
| Saratoga County New York | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Westchester County New York | 1 | $ 700,000 | $ 700,000 | $ 166,000 |
| Alamance County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Durham County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Lee County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Perquimans County North Carolina | 1 | $ 212,000 | $ 212,000 | $ 52,000 |
| Wake County North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Wayne County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Cass County North Dakota | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Athens County Ohio | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Licking County Ohio | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Medina County Ohio | 1 | $ 114,000 | $ 114,000 | $ 65,000 |
| Canadian County Oklahoma | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Oklahoma County Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Pottawatomie County Oklahoma | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Jackson County Oregon | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Lincoln County Oregon | 1 | $ 187,000 | $ 187,000 | $ 105,000 |
| Polk County Oregon | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Adams County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 62,000 |
| Bucks County Pennsylvania | 1 | $ 531,000 | $ 531,000 | $ 189,000 |
| Columbia County Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Erie County Pennsylvania | 1 | $ 259,000 | $ 259,000 | $ 106,000 |
| Franklin County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 74,000 |
| Lancaster County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 188,000 | $ 188,000 | $ 59,000 |
| Bedford County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Knox County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 156,000 | $ 156,000 | $ 58,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Bowie County Texas | 1 | $ 100,000 | $ 100,000 | $ 91,000 |
| Brazoria County Texas | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Collin County Texas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Comal County Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Dallas County Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
| Medina County Texas | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Nueces County Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Rusk County Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Williamson County Texas | 1 | $ 216,000 | $ 216,000 | $ 89,000 |
| Washington County Utah | 1 | $ 122,000 | $ 122,000 | $ 37,000 |
| Weber County Utah | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Rutland County Vermont | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Augusta County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hampton County Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Louisa County Virginia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Newport News County Virginia | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 321,000 | $ 321,000 | $ 81,000 |
| Pulaski County Virginia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 309,000 | $ 309,000 | $ 110,000 |
| York County Virginia | 1 | $ 382,000 | $ 382,000 | $ 134,000 |
| Clark County Washington | 1 | $ 230,000 | $ 230,000 | $ 0 |
| King County Washington | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Kitsap County Washington | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Pierce County Washington | 1 | $ 262,000 | $ 262,000 | $ 81,000 |
| Snohomish County Washington | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Thurston County Washington | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Jefferson County West Virginia | 1 | $ 246,000 | $ 246,000 | $ 86,000 |
| Nicholas County West Virginia | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Preston County West Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wood County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 66,000 |
| Shawano County Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Fremont County Wyoming | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Laramie County Wyoming | 1 | $ 124,000 | $ 124,000 | $ 19,000 |
| Teton County Wyoming | 1 | $ 473,000 | $ 473,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Emery Federal Credit Union in 2014
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 | 442 | $98,068,000 | $221,000 | $950,000 | $51,000 | $703,000 |
| Home Purchase | 101 | $23,313,000 | $230,000 | $941,000 | $135,000 | $1,092,000 |
| Home Improvement | 6 | $158,000 | $26,000 | $61,000 | $86,000 | $114,000 |
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 | 263 | $56,951,000 | $216,000 | $950,000 | $93,000 | $1,092,000 |
| Not Provided | 203 | $44,871,000 | $221,000 | $941,000 | $33,000 | $471,000 |
| Black or African American | 42 | $9,038,000 | $215,000 | $535,000 | $60,000 | $435,000 |
| Hispanic | 26 | $7,046,000 | $271,000 | $899,000 | $51,000 | $360,000 |
| American Indian or Alaskan Native | 6 | $1,012,000 | $168,000 | $324,000 | $68,000 | $188,000 |
| Asian | 6 | $2,300,000 | $383,000 | $880,000 | $105,000 | $204,000 |
| Not applicable | 2 | $208,000 | $104,000 | $110,000 | $349,000 | $642,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $113,000 | $113,000 | $113,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 226 | $52,739,000 | $233,000 | $941,000 | $34,000 | $378,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 205 | $47,980,000 | $234,000 | $950,000 | $130,000 | $1,092,000 |
| FHA-insured (Federal Housing Administration) | 117 | $20,668,000 | $176,000 | $504,000 | $20,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $152,000 | $152,000 | $152,000 | $66,000 | $66,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 311 | $71,715,000 | $230,000 | $950,000 | $55,000 | $703,000 |
| File Closed For Incompleteness | 96 | $20,699,000 | $215,000 | $870,000 | $37,000 | $180,000 |
| Application Denied By Financial Institution | 62 | $11,939,000 | $192,000 | $880,000 | $98,000 | $1,092,000 |
| Loan Originated | 44 | $6,797,000 | $154,000 | $899,000 | $138,000 | $642,000 |
| Loan Purchased By The Institution | 35 | $10,128,000 | $289,000 | $941,000 | $111,000 | $378,000 |
| Preapproval Approved but not Accepted | 1 | $261,000 | $261,000 | $261,000 | $96,000 | $96,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $312,000 | $104,000 | $226,000 | $93,000 | $200,000 |
| Debt-To-Income Ratio | 1 | $71,000 | $71,000 | $71,000 | $73,000 | $73,000 |
| Employment History | 1 | $120,000 | $120,000 | $120,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Emery Federal Credit Union's 2014 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.