Emery Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Emery Federal Credit Union of Cincinnati, OH reported 549 mortgage applications totaling $121.5 million, down 57% from 2013. The average application was for $221,382, and applicants reported an average income of $66,836. 8% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Cincinnati, OH-KY-IN (53), San Diego-Carlsbad, CA (14) and Phoenix-Mesa-Scottsdale, AZ (12) (applications in parentheses).
| 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 | 2024 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 | $221,382 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $66,836 |
| Highest Applicant Income | $1,092,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Emery Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Ohio | 28 | $ 4,010,000 | $ 143,214 | $ 142,000 |
| San Diego, California | 14 | $ 5,372,000 | $ 383,714 | $ 195,000 |
| Clark, Nevada | 10 | $ 1,954,000 | $ 195,400 | $ 33,000 |
| Maricopa, Arizona | 9 | $ 1,881,000 | $ 209,000 | $ 53,000 |
| Los Angeles, California | 9 | $ 3,116,000 | $ 346,222 | $ 120,000 |
| Butler, Ohio | 9 | $ 1,341,000 | $ 149,000 | $ 99,000 |
| Riverside, California | 7 | $ 1,344,000 | $ 192,000 | $ 40,000 |
| Warren, Ohio | 7 | $ 1,121,000 | $ 160,142 | $ 84,000 |
| Cook, Illinois | 6 | $ 810,000 | $ 135,000 | $ 27,000 |
| Mecklenburg, North Carolina | 6 | $ 1,139,000 | $ 189,833 | $ 54,000 |
| Salt Lake, Utah | 6 | $ 1,425,000 | $ 237,500 | $ 81,000 |
| San Bernardino, California | 5 | $ 1,168,000 | $ 233,600 | $ 12,000 |
| Broward, Florida | 5 | $ 1,297,000 | $ 259,400 | $ 57,000 |
| Baltimore, Maryland | 5 | $ 1,401,000 | $ 280,200 | $ 106,000 |
| Cumberland, North Carolina | 5 | $ 1,126,000 | $ 225,200 | $ 14,000 |
| Orange, California | 4 | $ 1,889,000 | $ 472,250 | $ 87,000 |
| Douglas, Colorado | 4 | $ 1,154,000 | $ 288,500 | $ 58,000 |
| El Paso, Colorado | 4 | $ 1,005,000 | $ 251,250 | $ 30,000 |
| Honolulu, Hawaii | 4 | $ 1,810,000 | $ 452,500 | $ 140,000 |
| Suffolk, Massachusetts | 4 | $ 1,439,000 | $ 359,750 | $ 76,000 |
| Bell, Texas | 4 | $ 815,000 | $ 203,750 | $ 20,000 |
| Bexar, Texas | 4 | $ 1,157,000 | $ 289,250 | $ 221,000 |
| Utah, Utah | 4 | $ 936,000 | $ 234,000 | $ 41,000 |
| Pinal, Arizona | 3 | $ 537,000 | $ 179,000 | $ 15,000 |
| Yavapai, Arizona | 3 | $ 1,012,000 | $ 337,333 | $ 40,000 |
| Kings, California | 3 | $ 285,000 | $ 95,000 | $ 621,000 |
| Solano, California | 3 | $ 827,000 | $ 275,666 | $ 19,000 |
| Collier, Florida | 3 | $ 659,000 | $ 219,666 | $ 47,000 |
| Duval, Florida | 3 | $ 1,040,000 | $ 346,666 | $ 44,000 |
| Hillsborough, Florida | 3 | $ 593,000 | $ 197,666 | $ 0 |
| Palm Beach, Florida | 3 | $ 820,000 | $ 273,333 | $ 125,000 |
| Kenton, Kentucky | 3 | $ 363,000 | $ 121,000 | $ 83,000 |
| Prince George's, Maryland | 3 | $ 515,000 | $ 171,666 | $ 83,000 |
| Hennepin, Minnesota | 3 | $ 653,000 | $ 217,666 | $ 59,000 |
| Burlington, New Jersey | 3 | $ 569,000 | $ 189,666 | $ 31,000 |
| Dona Ana, New Mexico | 3 | $ 470,000 | $ 156,666 | $ 46,000 |
| Suffolk, New York | 3 | $ 893,000 | $ 297,666 | $ 56,000 |
| Onslow, North Carolina | 3 | $ 531,000 | $ 177,000 | $ 0 |
| Clermont, Ohio | 3 | $ 346,000 | $ 115,333 | $ 77,000 |
| Shelby, Tennessee | 3 | $ 239,000 | $ 79,666 | $ 92,000 |
| Baldwin, Alabama | 2 | $ 583,000 | $ 291,500 | $ 36,000 |
| Madison, Alabama | 2 | $ 421,000 | $ 210,500 | $ 0 |
| Navajo, Arizona | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Fresno, California | 2 | $ 394,000 | $ 197,000 | $ 0 |
| San Joaquin, California | 2 | $ 575,000 | $ 287,500 | $ 55,000 |
| Santa Clara, California | 2 | $ 1,429,000 | $ 714,500 | $ 172,000 |
| Ventura, California | 2 | $ 511,000 | $ 255,500 | $ 0 |
| Denver, Colorado | 2 | $ 475,000 | $ 237,500 | $ 52,000 |
| Jefferson, Colorado | 2 | $ 459,000 | $ 229,500 | $ 27,000 |
| Mesa, Colorado | 2 | $ 281,000 | $ 140,500 | $ 0 |
| Pueblo, Colorado | 2 | $ 472,000 | $ 236,000 | $ 105,000 |
| Weld, Colorado | 2 | $ 415,000 | $ 207,500 | $ 20,000 |
| District of Columbia, District Of Columbia | 2 | $ 849,000 | $ 424,500 | $ 217,000 |
| Bay, Florida | 2 | $ 416,000 | $ 208,000 | $ 165,000 |
| Citrus, Florida | 2 | $ 316,000 | $ 158,000 | $ 94,000 |
| Clay, Florida | 2 | $ 353,000 | $ 176,500 | $ 0 |
| Escambia, Florida | 2 | $ 685,000 | $ 342,500 | $ 120,000 |
| Lee, Florida | 2 | $ 194,000 | $ 97,000 | $ 87,000 |
| Pinellas, Florida | 2 | $ 339,000 | $ 169,500 | $ 30,000 |
| Sarasota, Florida | 2 | $ 311,000 | $ 155,500 | $ 125,000 |
| Volusia, Florida | 2 | $ 428,000 | $ 214,000 | $ 188,000 |
| Columbia, Georgia | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Houston, Georgia | 2 | $ 399,000 | $ 199,500 | $ 0 |
| Paulding, Georgia | 2 | $ 168,000 | $ 84,000 | $ 0 |
| Ada, Idaho | 2 | $ 276,000 | $ 138,000 | $ 70,000 |
| Canyon, Idaho | 2 | $ 354,000 | $ 177,000 | $ 91,000 |
| Madison, Illinois | 2 | $ 316,000 | $ 158,000 | $ 91,000 |
| Dearborn, Indiana | 2 | $ 281,000 | $ 140,500 | $ 96,000 |
| Elkhart, Indiana | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Polk, Iowa | 2 | $ 386,000 | $ 193,000 | $ 38,000 |
| Johnson, Kansas | 2 | $ 387,000 | $ 193,500 | $ 81,000 |
| Anne Arundel, Maryland | 2 | $ 648,000 | $ 324,000 | $ 62,000 |
| Harford, Maryland | 2 | $ 503,000 | $ 251,500 | $ 70,000 |
| Hillsborough, New Hampshire | 2 | $ 740,000 | $ 370,000 | $ 61,000 |
| Bernalillo, New Mexico | 2 | $ 486,000 | $ 243,000 | $ 47,000 |
| Eddy, New Mexico | 2 | $ 320,000 | $ 160,000 | $ 28,000 |
| Kings, New York | 2 | $ 587,000 | $ 293,500 | $ 49,000 |
| Cabarrus, North Carolina | 2 | $ 259,000 | $ 129,500 | $ 55,000 |
| Henderson, North Carolina | 2 | $ 277,000 | $ 138,500 | $ 0 |
| Mahoning, Ohio | 2 | $ 415,000 | $ 207,500 | $ 94,000 |
| Montgomery, Ohio | 2 | $ 187,000 | $ 93,500 | $ 118,000 |
| Lycoming, Pennsylvania | 2 | $ 574,000 | $ 287,000 | $ 0 |
| Providence, Rhode Island | 2 | $ 356,000 | $ 178,000 | $ 73,000 |
| Horry, South Carolina | 2 | $ 485,000 | $ 242,500 | $ 85,000 |
| Richland, South Carolina | 2 | $ 501,000 | $ 250,500 | $ 0 |
| Davidson, Tennessee | 2 | $ 323,000 | $ 161,500 | $ 36,000 |
| Hamilton, Tennessee | 2 | $ 432,000 | $ 216,000 | $ 0 |
| Tipton, Tennessee | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Williamson, Tennessee | 2 | $ 789,000 | $ 394,500 | $ 116,000 |
| Denton, Texas | 2 | $ 567,000 | $ 283,500 | $ 144,000 |
| El Paso, Texas | 2 | $ 291,000 | $ 145,500 | $ 35,000 |
| Harris, Texas | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Tarrant, Texas | 2 | $ 300,000 | $ 150,000 | $ 50,000 |
| Chesapeake, Virginia | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Fairfax, Virginia | 2 | $ 721,000 | $ 360,500 | $ 0 |
| Norfolk, Virginia | 2 | $ 431,000 | $ 215,500 | $ 0 |
| Prince William, Virginia | 2 | $ 1,143,000 | $ 571,500 | $ 0 |
| Spokane, Washington | 2 | $ 396,000 | $ 198,000 | $ 0 |
| Milwaukee, Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 81,000 |
| Lee, Alabama | 1 | $ 283,000 | $ 283,000 | $ 112,000 |
| Morgan, Alabama | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Shelby, Alabama | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 142,000 | $ 142,000 | $ 75,000 |
| Haines, Alaska | 1 | $ 214,000 | $ 214,000 | $ 40,000 |
| Juneau, Alaska | 1 | $ 324,000 | $ 324,000 | $ 69,000 |
| Kenai Peninsula, Alaska | 1 | $ 169,000 | $ 169,000 | $ 188,000 |
| Pima, Arizona | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Benton, Arkansas | 1 | $ 292,000 | $ 292,000 | $ 168,000 |
| Pulaski, Arkansas | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Alameda, California | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Butte, California | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Contra Costa, California | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Madera, California | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Marin, California | 1 | $ 270,000 | $ 270,000 | $ 73,000 |
| Placer, California | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Sacramento, California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 400,000 | $ 400,000 | $ 109,000 |
| Santa Cruz, California | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Shasta, California | 1 | $ 260,000 | $ 260,000 | $ 127,000 |
| Stanislaus, California | 1 | $ 380,000 | $ 380,000 | $ 154,000 |
| Arapahoe, Colorado | 1 | $ 307,000 | $ 307,000 | $ 55,000 |
| Lake, Colorado | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 227,000 | $ 227,000 | $ 66,000 |
| Middlesex, Connecticut | 1 | $ 287,000 | $ 287,000 | $ 0 |
| New Castle, Delaware | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Sussex, Delaware | 1 | $ 323,000 | $ 323,000 | $ 135,000 |
| Alachua, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lake, Florida | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Leon, Florida | 1 | $ 169,000 | $ 169,000 | $ 69,000 |
| Marion, Florida | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 323,000 | $ 323,000 | $ 169,000 |
| Orange, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Osceola, Florida | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Polk, Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Butts, Georgia | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Chatham, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clayton, Georgia | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Coweta, Georgia | 1 | $ 244,000 | $ 244,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Douglas, Georgia | 1 | $ 129,000 | $ 129,000 | $ 41,000 |
| Effingham, Georgia | 1 | $ 257,000 | $ 257,000 | $ 80,000 |
| Fayette, Georgia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Henry, Georgia | 1 | $ 310,000 | $ 310,000 | $ 127,000 |
| Jackson, Georgia | 1 | $ 140,000 | $ 140,000 | $ 26,000 |
| Muscogee, Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Oconee, Georgia | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| Richmond, Georgia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 246,000 | $ 246,000 | $ 60,000 |
| Kauai, Hawaii | 1 | $ 551,000 | $ 551,000 | $ 703,000 |
| Maui, Hawaii | 1 | $ 350,000 | $ 350,000 | $ 65,000 |
| Bonner, Idaho | 1 | $ 160,000 | $ 160,000 | $ 47,000 |
| Elmore, Idaho | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Kootenai, Idaho | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Twin Falls, Idaho | 1 | $ 404,000 | $ 404,000 | $ 100,000 |
| Carroll, Indiana | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lake, Indiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Marion, Indiana | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Montgomery, Indiana | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Warrick, Indiana | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Cherokee, Kansas | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Breckinridge, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 72,000 |
| Campbell, Kentucky | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Henderson, Kentucky | 1 | $ 113,000 | $ 113,000 | $ 99,000 |
| Knox, Kentucky | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Lee, Kentucky | 1 | $ 300,000 | $ 300,000 | $ 529,000 |
| Scott, Kentucky | 1 | $ 186,000 | $ 186,000 | $ 37,000 |
| Spencer, Kentucky | 1 | $ 262,000 | $ 262,000 | $ 125,000 |
| Orleans, Louisiana | 1 | $ 153,000 | $ 153,000 | $ 171,000 |
| Ouachita, Louisiana | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Tangipahoa, Louisiana | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Cumberland, Maine | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Penobscot, Maine | 1 | $ 204,000 | $ 204,000 | $ 90,000 |
| Baltimore City, Maryland | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cecil, Maryland | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Howard, Maryland | 1 | $ 490,000 | $ 490,000 | $ 149,000 |
| Montgomery, Maryland | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| St. Mary's, Maryland | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| Bristol, Massachusetts | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 199,000 | $ 199,000 | $ 47,000 |
| Hampden, Massachusetts | 1 | $ 149,000 | $ 149,000 | $ 66,000 |
| Hampshire, Massachusetts | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Plymouth, Massachusetts | 1 | $ 194,000 | $ 194,000 | $ 35,000 |
| Eaton, Michigan | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Ingham, Michigan | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Kalamazoo, Michigan | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Kent, Michigan | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wayne, Michigan | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 166,000 | $ 166,000 | $ 0 |
| DeSoto, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Adair, Missouri | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| St. Louis, Missouri | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Cascade, Montana | 1 | $ 217,000 | $ 217,000 | $ 74,000 |
| Lincoln, Montana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Yellowstone, Montana | 1 | $ 276,000 | $ 276,000 | $ 67,000 |
| Lyon, Nevada | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 168,000 |
| Strafford, New Hampshire | 1 | $ 231,000 | $ 231,000 | $ 69,000 |
| Bergen, New Jersey | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Essex, New Jersey | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 327,000 | $ 327,000 | $ 93,000 |
| Ocean, New Jersey | 1 | $ 186,000 | $ 186,000 | $ 96,000 |
| McKinley, New Mexico | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Chautauqua, New York | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Dutchess, New York | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| New York, New York | 1 | $ 950,000 | $ 950,000 | $ 386,000 |
| Orange, New York | 1 | $ 366,000 | $ 366,000 | $ 108,000 |
| Saratoga, New York | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Westchester, New York | 1 | $ 700,000 | $ 700,000 | $ 166,000 |
| Alamance, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Durham, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Lee, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Perquimans, North Carolina | 1 | $ 212,000 | $ 212,000 | $ 52,000 |
| Wake, North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Wayne, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Cass, North Dakota | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Athens, Ohio | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Licking, Ohio | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Medina, Ohio | 1 | $ 114,000 | $ 114,000 | $ 65,000 |
| Canadian, Oklahoma | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Pottawatomie, Oklahoma | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Jackson, Oregon | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 187,000 | $ 187,000 | $ 105,000 |
| Polk, Oregon | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Adams, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 62,000 |
| Bucks, Pennsylvania | 1 | $ 531,000 | $ 531,000 | $ 189,000 |
| Columbia, Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Erie, Pennsylvania | 1 | $ 259,000 | $ 259,000 | $ 106,000 |
| Franklin, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 74,000 |
| Lancaster, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 188,000 | $ 188,000 | $ 59,000 |
| Bedford, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Gibson, Tennessee | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Knox, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Monroe, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 58,000 |
| Montgomery, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Bowie, Texas | 1 | $ 100,000 | $ 100,000 | $ 91,000 |
| Brazoria, Texas | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Collin, Texas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Comal, Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Dallas, Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Hidalgo, Texas | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
| Medina, Texas | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Nueces, Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Rusk, Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Williamson, Texas | 1 | $ 216,000 | $ 216,000 | $ 89,000 |
| Washington, Utah | 1 | $ 122,000 | $ 122,000 | $ 37,000 |
| Weber, Utah | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Rutland, Vermont | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Augusta, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hampton, Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lancaster, Virginia | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Louisa, Virginia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Newport News, Virginia | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Northumberland, Virginia | 1 | $ 321,000 | $ 321,000 | $ 81,000 |
| Pulaski, Virginia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 309,000 | $ 309,000 | $ 110,000 |
| York, Virginia | 1 | $ 382,000 | $ 382,000 | $ 134,000 |
| Clark, Washington | 1 | $ 230,000 | $ 230,000 | $ 0 |
| King, Washington | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Kitsap, Washington | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Pierce, Washington | 1 | $ 262,000 | $ 262,000 | $ 81,000 |
| Snohomish, Washington | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Thurston, Washington | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Jefferson, West Virginia | 1 | $ 246,000 | $ 246,000 | $ 86,000 |
| Nicholas, West Virginia | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Preston, West Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wood, West Virginia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 66,000 |
| Shawano, Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Fremont, Wyoming | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Laramie, Wyoming | 1 | $ 124,000 | $ 124,000 | $ 19,000 |
| Teton, 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.
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