Kinecta Federal Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Kinecta Federal Credit Union of Manhattan Beach, CA reported 17,466 mortgage applications totaling $5.7 billion, up 50% from 2011. The average application was for $327,849, and applicants reported an average income of $137,314. 69% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,658), Santa Ana-Anaheim-Irvine, CA (2,577) and Chicago-Joliet-Naperville, IL (1,479) (applications in parentheses).

Mortgage Company & Address Kinecta Federal Credit Union
1440 Rosecrans Ave
Manhattan Beach, CA 90266
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 17,466
Total Mortgage Loan Application Amount $5,726,222,000
Average Mortgage Loan Application Amount $327,849
Highest Mortgage Loan Application Amount $6,150,000
Average Applicant Income $137,314
Highest Applicant Income $6,698,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kinecta Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Kinecta Federal Credit Union by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 5,658 $ 2,027,021,000 $ 358,257 $ 140,000
Orange, California 2,577 $ 1,009,249,000 $ 391,637 $ 152,000
Cook, Illinois 798 $ 183,411,000 $ 229,838 $ 114,000
San Diego, California 736 $ 274,552,000 $ 373,032 $ 151,000
Ventura, California 590 $ 200,426,000 $ 339,705 $ 158,000
Riverside, California 414 $ 111,127,000 $ 268,422 $ 137,000
San Bernardino, California 386 $ 91,233,000 $ 236,354 $ 139,000
Santa Clara, California 309 $ 155,381,000 $ 502,851 $ 179,000
Santa Barbara, California 275 $ 99,322,000 $ 361,170 $ 155,000
Alameda, California 268 $ 118,460,000 $ 442,014 $ 152,000
DuPage, Illinois 227 $ 54,063,000 $ 238,162 $ 117,000
Will, Illinois 219 $ 46,989,000 $ 214,561 $ 104,000
Lake, Illinois 200 $ 47,097,000 $ 235,485 $ 126,000
San Francisco, California 189 $ 95,623,000 $ 505,941 $ 182,000
Contra Costa, California 185 $ 78,258,000 $ 423,016 $ 162,000
San Mateo, California 185 $ 100,877,000 $ 545,281 $ 189,000
St. Louis, Missouri 134 $ 27,004,000 $ 201,522 $ 118,000
McHenry, Illinois 110 $ 19,756,000 $ 179,600 $ 96,000
Hennepin, Minnesota 110 $ 22,550,000 $ 205,000 $ 90,000
Denver, Colorado 106 $ 29,171,000 $ 275,198 $ 112,000
Arapahoe, Colorado 92 $ 20,443,000 $ 222,206 $ 87,000
Kane, Illinois 88 $ 19,044,000 $ 216,409 $ 103,000
Douglas, Colorado 84 $ 25,508,000 $ 303,666 $ 133,000
Marin, California 83 $ 36,702,000 $ 442,192 $ 205,000
Erie, New York 83 $ 13,154,000 $ 158,481 $ 91,000
Jefferson, Colorado 80 $ 21,013,000 $ 262,662 $ 107,000
Suffolk, New York 78 $ 22,238,000 $ 285,102 $ 123,000
King, Washington 73 $ 25,913,000 $ 354,972 $ 136,000
Middlesex, Massachusetts 69 $ 19,098,000 $ 276,782 $ 106,000
Sonoma, California 63 $ 22,996,000 $ 365,015 $ 136,000
Maricopa, Arizona 55 $ 13,169,000 $ 239,436 $ 177,000
Monroe, New York 49 $ 7,633,000 $ 155,775 $ 95,000
St. Charles, Missouri 47 $ 8,908,000 $ 189,531 $ 93,000
Boulder, Colorado 44 $ 12,801,000 $ 290,931 $ 115,000
Bucks, Pennsylvania 43 $ 11,855,000 $ 275,697 $ 134,000
Clark, Nevada 41 $ 6,042,000 $ 147,365 $ 120,000
Adams, Colorado 40 $ 7,858,000 $ 196,450 $ 78,000
Dakota, Minnesota 40 $ 9,598,000 $ 239,950 $ 109,000
Saratoga, New York 39 $ 8,087,000 $ 207,358 $ 96,000
New Haven, Connecticut 38 $ 9,387,000 $ 247,026 $ 98,000
Broward, Florida 36 $ 6,933,000 $ 192,583 $ 213,000
Ramsey, Minnesota 36 $ 6,159,000 $ 171,083 $ 98,000
Fairfield, Connecticut 34 $ 9,757,000 $ 286,970 $ 119,000
Montgomery, Pennsylvania 34 $ 7,251,000 $ 213,264 $ 104,000
Sacramento, California 33 $ 9,335,000 $ 282,878 $ 128,000
San Luis Obispo, California 33 $ 9,728,000 $ 294,787 $ 129,000
Jackson, Missouri 31 $ 4,934,000 $ 159,161 $ 81,000
Placer, California 30 $ 10,425,000 $ 347,500 $ 249,000
Palm Beach, Florida 30 $ 6,217,000 $ 207,233 $ 118,000
Albany, New York 30 $ 5,654,000 $ 188,466 $ 96,000
Johnson, Kansas 29 $ 5,928,000 $ 204,413 $ 109,000
Jefferson, Missouri 28 $ 4,612,000 $ 164,714 $ 78,000
San Joaquin, California 27 $ 6,007,000 $ 222,481 $ 116,000
Kern, California 26 $ 3,785,000 $ 145,576 $ 99,000
Monterey, California 26 $ 7,092,000 $ 272,769 $ 131,000
Nassau, New York 26 $ 8,134,000 $ 312,846 $ 113,000
El Dorado, California 25 $ 8,114,000 $ 324,560 $ 132,000
Camden, Missouri 25 $ 4,893,000 $ 195,720 $ 124,000
Hamilton, Indiana 23 $ 5,147,000 $ 223,782 $ 100,000
Marion, Indiana 23 $ 3,423,000 $ 148,826 $ 94,000
Santa Cruz, California 22 $ 8,315,000 $ 377,954 $ 151,000
Lucas, Ohio 22 $ 3,539,000 $ 160,863 $ 106,000
Chester, Pennsylvania 22 $ 5,592,000 $ 254,181 $ 136,000
Kendall, Illinois 21 $ 4,688,000 $ 223,238 $ 114,000
Anoka, Minnesota 21 $ 3,880,000 $ 184,761 $ 82,000
Rensselaer, New York 21 $ 3,329,000 $ 158,523 $ 98,000
Lancaster, Pennsylvania 21 $ 4,150,000 $ 197,619 $ 104,000
Fairfax, Virginia 20 $ 6,324,000 $ 316,200 $ 193,000
St. Johns, Florida 19 $ 3,460,000 $ 182,105 $ 116,000
Clay, Missouri 19 $ 3,354,000 $ 176,526 $ 88,000
Schenectady, New York 19 $ 3,316,000 $ 174,526 $ 80,000
Milwaukee, Wisconsin 19 $ 2,968,000 $ 156,210 $ 99,000
Larimer, Colorado 18 $ 4,438,000 $ 246,555 $ 125,000
Monmouth, New Jersey 18 $ 5,054,000 $ 280,777 $ 124,000
Mecklenburg, North Carolina 18 $ 3,705,000 $ 205,833 $ 103,000
Philadelphia, Pennsylvania 18 $ 4,254,000 $ 236,333 $ 82,000
Fresno, California 17 $ 5,187,000 $ 305,117 $ 148,000
Lake, Indiana 17 $ 2,914,000 $ 171,411 $ 91,000
Essex, Massachusetts 17 $ 4,499,000 $ 264,647 $ 113,000
St. Louis, Minnesota 17 $ 2,941,000 $ 173,000 $ 75,000
Washington, Oregon 17 $ 2,937,000 $ 172,764 $ 136,000
Medina, Ohio 16 $ 2,873,000 $ 179,562 $ 98,000
Delaware, Pennsylvania 16 $ 3,866,000 $ 241,625 $ 138,000
Davis, Utah 16 $ 3,358,000 $ 209,875 $ 75,000
Broomfield, Colorado 15 $ 4,014,000 $ 267,600 $ 128,000
Washington, Minnesota 15 $ 3,043,000 $ 202,866 $ 86,000
Snohomish, Washington 15 $ 5,014,000 $ 334,266 $ 135,000
Napa, California 14 $ 7,177,000 $ 512,642 $ 386,000
Solano, California 14 $ 3,942,000 $ 281,571 $ 140,000
Grundy, Illinois 14 $ 2,907,000 $ 207,642 $ 104,000
Deschutes, Oregon 14 $ 3,285,000 $ 234,642 $ 92,000
Platte, Missouri 13 $ 2,486,000 $ 191,230 $ 86,000
Camden, New Jersey 13 $ 2,285,000 $ 175,769 $ 113,000
Kings, New York 13 $ 5,342,000 $ 410,923 $ 92,000
Ontario, New York 13 $ 3,210,000 $ 246,923 $ 115,000
Lehigh, Pennsylvania 13 $ 2,887,000 $ 222,076 $ 137,000
Brown, Wisconsin 13 $ 2,007,000 $ 154,384 $ 91,000
Mohave, Arizona 12 $ 1,451,000 $ 120,916 $ 93,000
Mono, California 12 $ 3,779,000 $ 314,916 $ 245,000
El Paso, Colorado 12 $ 2,407,000 $ 200,583 $ 86,000
Cobb, Georgia 12 $ 2,678,000 $ 223,166 $ 117,000
Carver, Minnesota 12 $ 3,110,000 $ 259,166 $ 107,000
Cuyahoga, Ohio 12 $ 1,743,000 $ 145,250 $ 104,000
Multnomah, Oregon 12 $ 3,603,000 $ 300,250 $ 155,000
Luzerne, Pennsylvania 12 $ 1,883,000 $ 156,916 $ 87,000
Salt Lake, Utah 12 $ 4,498,000 $ 374,833 $ 74,000
Lee, Florida 11 $ 1,984,000 $ 180,363 $ 119,000
Norfolk, Massachusetts 11 $ 3,919,000 $ 356,272 $ 130,000
St. Louis City, Missouri 11 $ 1,398,000 $ 127,090 $ 53,000
Queens, New York 11 $ 3,828,000 $ 348,000 $ 101,000
Weber, Utah 11 $ 2,253,000 $ 204,818 $ 73,000
Nevada, California 10 $ 3,944,000 $ 394,400 $ 215,000
Middlesex, Connecticut 10 $ 2,638,000 $ 263,800 $ 108,000
Sedgwick, Kansas 10 $ 941,000 $ 94,100 $ 121,000
Montgomery, Maryland 10 $ 3,741,000 $ 374,100 $ 164,000
Scott, Minnesota 10 $ 1,996,000 $ 199,600 $ 73,000
Burlington, New Jersey 10 $ 2,556,000 $ 255,600 $ 189,000
Ocean, New Jersey 10 $ 2,615,000 $ 261,500 $ 106,000
Cumberland, Pennsylvania 10 $ 1,377,000 $ 137,700 $ 79,000
Weld, Colorado 9 $ 2,085,000 $ 231,666 $ 81,000
Worcester, Massachusetts 9 $ 3,088,000 $ 343,111 $ 140,000
Wright, Minnesota 9 $ 1,465,000 $ 162,777 $ 69,000
Boone, Missouri 9 $ 1,348,000 $ 149,777 $ 66,000
Richmond, New York 9 $ 3,363,000 $ 373,666 $ 79,000
Wood, Ohio 9 $ 1,282,000 $ 142,444 $ 80,000
Spokane, Washington 9 $ 1,800,000 $ 200,000 $ 174,000
Waukesha, Wisconsin 9 $ 1,963,000 $ 218,111 $ 98,000
Pima, Arizona 8 $ 1,779,000 $ 222,375 $ 123,000
Yavapai, Arizona 8 $ 1,361,000 $ 170,125 $ 143,000
Eagle, Colorado 8 $ 2,775,000 $ 346,875 $ 97,000
Hartford, Connecticut 8 $ 2,222,000 $ 277,750 $ 103,000
Miami-Dade, Florida 8 $ 1,741,000 $ 217,625 $ 116,000
Suffolk, Massachusetts 8 $ 2,230,000 $ 278,750 $ 128,000
Morris, New Jersey 8 $ 2,342,000 $ 292,750 $ 157,000
Charleston, South Carolina 8 $ 2,168,000 $ 271,000 $ 102,000
Humboldt, California 7 $ 1,766,000 $ 252,285 $ 68,000
Mendocino, California 7 $ 2,579,000 $ 368,428 $ 155,000
Elbert, Colorado 7 $ 1,890,000 $ 270,000 $ 82,000
Orange, Florida 7 $ 792,000 $ 113,142 $ 106,000
DeKalb, Georgia 7 $ 1,751,000 $ 250,142 $ 99,000
Oakland, Michigan 7 $ 1,426,000 $ 203,714 $ 90,000
Gloucester, New Jersey 7 $ 1,455,000 $ 207,857 $ 94,000
Mercer, New Jersey 7 $ 1,957,000 $ 279,571 $ 143,000
Onondaga, New York 7 $ 1,200,000 $ 171,428 $ 109,000
Lane, Oregon 7 $ 2,810,000 $ 401,428 $ 521,000
Dauphin, Pennsylvania 7 $ 865,000 $ 123,571 $ 77,000
Walworth, Wisconsin 7 $ 916,000 $ 130,857 $ 129,000
Montrose, Colorado 6 $ 860,000 $ 143,333 $ 107,000
New London, Connecticut 6 $ 1,518,000 $ 253,000 $ 95,000
Hillsborough, Florida 6 $ 843,000 $ 140,500 $ 162,000
Fulton, Georgia 6 $ 1,799,000 $ 299,833 $ 162,000
Gwinnett, Georgia 6 $ 1,177,000 $ 196,166 $ 122,000
Madison, Illinois 6 $ 1,343,000 $ 223,833 $ 112,000
Prince George's, Maryland 6 $ 1,200,000 $ 200,000 $ 221,000
Franklin, Missouri 6 $ 714,000 $ 119,000 $ 58,000
Stone, Missouri 6 $ 999,000 $ 166,500 $ 99,000
Warren, Missouri 6 $ 989,000 $ 164,833 $ 81,000
Hillsborough, New Hampshire 6 $ 1,370,000 $ 228,333 $ 118,000
Box Elder, Utah 6 $ 1,190,000 $ 198,333 $ 91,000
Loudoun, Virginia 6 $ 1,864,000 $ 310,666 $ 168,000
Pinal, Arizona 5 $ 936,000 $ 187,200 $ 101,000
Calaveras, California 5 $ 768,000 $ 153,600 $ 124,000
Yolo, California 5 $ 1,880,000 $ 376,000 $ 145,000
Pueblo, Colorado 5 $ 1,483,000 $ 296,600 $ 113,000
Litchfield, Connecticut 5 $ 940,000 $ 188,000 $ 128,000
Pinellas, Florida 5 $ 1,111,000 $ 222,200 $ 150,000
Sarasota, Florida 5 $ 1,579,000 $ 315,800 $ 123,000
Cherokee, Georgia 5 $ 1,055,000 $ 211,000 $ 96,000
Fayette, Georgia 5 $ 888,000 $ 177,600 $ 117,000
Porter, Indiana 5 $ 1,043,000 $ 208,600 $ 110,000
Ingham, Michigan 5 $ 1,082,000 $ 216,400 $ 179,000
Lincoln, Missouri 5 $ 713,000 $ 142,600 $ 46,000
Atlantic, New Jersey 5 $ 1,599,000 $ 319,800 $ 134,000
Bergen, New Jersey 5 $ 1,352,000 $ 270,400 $ 118,000
Middlesex, New Jersey 5 $ 1,050,000 $ 210,000 $ 89,000
Westchester, New York 5 $ 1,725,000 $ 345,000 $ 194,000
Clackamas, Oregon 5 $ 999,000 $ 199,800 $ 130,000
Richland, South Carolina 5 $ 808,000 $ 161,600 $ 88,000
Island, Washington 5 $ 1,253,000 $ 250,600 $ 104,000
Pierce, Washington 5 $ 1,292,000 $ 258,400 $ 166,000
Berkeley, West Virginia 5 $ 852,000 $ 170,400 $ 105,000
Outagamie, Wisconsin 5 $ 723,000 $ 144,600 $ 77,000
Madera, California 4 $ 687,000 $ 171,750 $ 111,000
Tulare, California 4 $ 634,000 $ 158,500 $ 174,000
La Plata, Colorado 4 $ 3,110,000 $ 777,500 $ 235,000
District of Columbia, District Of Columbia 4 $ 1,399,000 $ 349,750 $ 146,000
Coweta, Georgia 4 $ 1,101,000 $ 275,250 $ 74,000
St. Clair, Illinois 4 $ 741,000 $ 185,250 $ 115,000
Winnebago, Illinois 4 $ 631,000 $ 157,750 $ 75,000
Hendricks, Indiana 4 $ 715,000 $ 178,750 $ 95,000
Dallas, Iowa 4 $ 863,000 $ 215,750 $ 134,000
Miami, Kansas 4 $ 948,000 $ 237,000 $ 90,000
Anne Arundel, Maryland 4 $ 794,000 $ 198,500 $ 165,000
Chisago, Minnesota 4 $ 865,000 $ 216,250 $ 72,000
Sherburne, Minnesota 4 $ 604,000 $ 151,000 $ 58,000
Cass, Missouri 4 $ 557,000 $ 139,250 $ 89,000
Morgan, Missouri 4 $ 715,000 $ 178,750 $ 92,000
Essex, New Jersey 4 $ 1,257,000 $ 314,250 $ 107,000
Hunterdon, New Jersey 4 $ 1,376,000 $ 344,000 $ 138,000
Bernalillo, New Mexico 4 $ 2,403,000 $ 600,750 $ 100,000
Niagara, New York 4 $ 516,000 $ 129,000 $ 65,000
Wayne, New York 4 $ 769,000 $ 192,250 $ 105,000
Union, North Carolina 4 $ 822,000 $ 205,500 $ 60,000
Lorain, Ohio 4 $ 962,000 $ 240,500 $ 69,000
Marion, Oregon 4 $ 2,848,000 $ 712,000 $ 64,000
Monroe, Pennsylvania 4 $ 558,000 $ 139,500 $ 145,000
Northampton, Pennsylvania 4 $ 1,125,000 $ 281,250 $ 210,000
Virginia Beach, Virginia 4 $ 641,000 $ 160,250 $ 46,000
Clallam, Washington 4 $ 510,000 $ 127,500 $ 133,000
Clark, Washington 4 $ 1,188,000 $ 297,000 $ 73,000
Cochise, Arizona 3 $ 450,000 $ 150,000 $ 88,000
Coconino, Arizona 3 $ 925,000 $ 308,333 $ 12,000
La Paz, Arizona 3 $ 1,153,000 $ 384,333 $ 188,000
Plumas, California 3 $ 1,358,000 $ 452,666 $ 404,000
Tuolumne, California 3 $ 730,000 $ 243,333 $ 211,000
Garfield, Colorado 3 $ 957,000 $ 319,000 $ 99,000
Pitkin, Colorado 3 $ 1,709,000 $ 569,666 $ 201,000
Polk, Florida 3 $ 343,000 $ 114,333 $ 75,000
Douglas, Georgia 3 $ 233,000 $ 77,666 $ 71,000
Forsyth, Georgia 3 $ 458,000 $ 152,666 $ 42,000
Kankakee, Illinois 3 $ 536,000 $ 178,666 $ 120,000
Morgan, Indiana 3 $ 898,000 $ 299,333 $ 105,000
Bristol, Massachusetts 3 $ 932,000 $ 310,666 $ 100,000
Plymouth, Massachusetts 3 $ 1,227,000 $ 409,000 $ 189,000
Clinton, Michigan 3 $ 595,000 $ 198,333 $ 100,000
Genesee, Michigan 3 $ 282,000 $ 94,000 $ 98,000
Livingston, Michigan 3 $ 239,000 $ 79,666 $ 105,000
Monroe, Michigan 3 $ 510,000 $ 170,000 $ 67,000
Benton, Minnesota 3 $ 982,000 $ 327,333 $ 93,000
Blue Earth, Minnesota 3 $ 548,000 $ 182,666 $ 32,000
Carlton, Minnesota 3 $ 284,000 $ 94,666 $ 48,000
Buchanan, Missouri 3 $ 454,000 $ 151,333 $ 84,000
Johnson, Missouri 3 $ 532,000 $ 177,333 $ 104,000
Rockland, New York 3 $ 549,000 $ 183,000 $ 107,000
Ulster, New York 3 $ 384,000 $ 128,000 $ 102,000
Wyoming, New York 3 $ 417,000 $ 139,000 $ 96,000
Rogers, Oklahoma 3 $ 685,000 $ 228,333 $ 109,000
Berks, Pennsylvania 3 $ 419,000 $ 139,666 $ 57,000
Carbon, Pennsylvania 3 $ 377,000 $ 125,666 $ 139,000
Perry, Pennsylvania 3 $ 382,000 $ 127,333 $ 84,000
Westmoreland, Pennsylvania 3 $ 786,000 $ 262,000 $ 207,000
Oconee, South Carolina 3 $ 446,000 $ 148,666 $ 76,000
Lincoln, South Dakota 3 $ 437,000 $ 145,666 $ 76,000
Cache, Utah 3 $ 640,000 $ 213,333 $ 100,000
Utah, Utah 3 $ 756,000 $ 252,000 $ 94,000
Dane, Wisconsin 3 $ 543,000 $ 181,000 $ 95,000
Door, Wisconsin 3 $ 731,000 $ 243,666 $ 76,000
Kenosha, Wisconsin 3 $ 401,000 $ 133,666 $ 87,000
Racine, Wisconsin 3 $ 662,000 $ 220,666 $ 77,000
Butte, California 2 $ 866,000 $ 433,000 $ 220,000
San Benito, California 2 $ 750,000 $ 375,000 $ 150,000
Shasta, California 2 $ 474,000 $ 237,000 $ 115,000
Stanislaus, California 2 $ 333,000 $ 166,500 $ 139,000
Fremont, Colorado 2 $ 255,000 $ 127,500 $ 70,000
Ouray, Colorado 2 $ 392,000 $ 196,000 $ 54,000
New Castle, Delaware 2 $ 375,000 $ 187,500 $ 623,000
Charlotte, Florida 2 $ 229,000 $ 114,500 $ 112,000
Collier, Florida 2 $ 274,000 $ 137,000 $ 167,000
Osceola, Florida 2 $ 350,000 $ 175,000 $ 175,000
Seminole, Florida 2 $ 164,000 $ 82,000 $ 83,000
Volusia, Florida 2 $ 193,000 $ 96,500 $ 126,000
Chatham, Georgia 2 $ 231,000 $ 115,500 $ 46,000
Bonneville, Idaho 2 $ 349,000 $ 174,500 $ 104,000
DeKalb, Illinois 2 $ 236,000 $ 118,000 $ 52,000
Jo Daviess, Illinois 2 $ 302,000 $ 151,000 $ 215,000
LaSalle, Illinois 2 $ 241,000 $ 120,500 $ 43,000
Monroe, Illinois 2 $ 355,000 $ 177,500 $ 97,000
LaPorte, Indiana 2 $ 451,000 $ 225,500 $ 161,000
Douglas, Kansas 2 $ 434,000 $ 217,000 $ 127,000
Leavenworth, Kansas 2 $ 587,000 $ 293,500 $ 112,000
Wyandotte, Kansas 2 $ 191,000 $ 95,500 $ 55,000
Cumberland, Maine 2 $ 375,000 $ 187,500 $ 107,000
York, Maine 2 $ 381,000 $ 190,500 $ 58,000
Hampden, Massachusetts 2 $ 592,000 $ 296,000 $ 288,000
Macomb, Michigan 2 $ 173,000 $ 86,500 $ 140,000
Wayne, Michigan 2 $ 219,000 $ 109,500 $ 136,000
Clay, Minnesota 2 $ 596,000 $ 298,000 $ 85,000
Crow Wing, Minnesota 2 $ 285,000 $ 142,500 $ 40,000
Le Sueur, Minnesota 2 $ 294,000 $ 147,000 $ 53,000
McLeod, Minnesota 2 $ 347,000 $ 173,500 $ 50,000
Otter Tail, Minnesota 2 $ 641,000 $ 320,500 $ 158,000
Pine, Minnesota 2 $ 312,000 $ 156,000 $ 95,000
Callaway, Missouri 2 $ 147,000 $ 73,500 $ 47,000
Clinton, Missouri 2 $ 392,000 $ 196,000 $ 114,000
Phelps, Missouri 2 $ 834,000 $ 417,000 $ 158,000
Douglas, Nevada 2 $ 454,000 $ 227,000 $ 155,000
Nye, Nevada 2 $ 308,000 $ 154,000 $ 89,000
Cape May, New Jersey 2 $ 450,000 $ 225,000 $ 140,000
Passaic, New Jersey 2 $ 642,000 $ 321,000 $ 321,000
Salem, New Jersey 2 $ 341,000 $ 170,500 $ 158,000
Bronx, New York 2 $ 570,000 $ 285,000 $ 45,000
Cattaraugus, New York 2 $ 223,000 $ 111,500 $ 78,000
Dutchess, New York 2 $ 400,000 $ 200,000 $ 77,000
Livingston, New York 2 $ 504,000 $ 252,000 $ 159,000
Montgomery, New York 2 $ 476,000 $ 238,000 $ 77,000
Orange, New York 2 $ 444,000 $ 222,000 $ 118,000
Ottawa, Ohio 2 $ 161,000 $ 80,500 $ 54,000
Pickaway, Ohio 2 $ 200,000 $ 100,000 $ 177,000
Wayne, Ohio 2 $ 376,000 $ 188,000 $ 114,000
Josephine, Oregon 2 $ 560,000 $ 280,000 $ 116,000
Polk, Oregon 2 $ 424,000 $ 212,000 $ 56,000
Allegheny, Pennsylvania 2 $ 259,000 $ 129,500 $ 59,000
Lackawanna, Pennsylvania 2 $ 271,000 $ 135,500 $ 92,000
Providence, Rhode Island 2 $ 418,000 $ 209,000 $ 163,000
Berkeley, South Carolina 2 $ 586,000 $ 293,000 $ 137,000
Greenville, South Carolina 2 $ 632,000 $ 316,000 $ 73,000
Minnehaha, South Dakota 2 $ 241,000 $ 120,500 $ 53,000
Newport News, Virginia 2 $ 226,000 $ 113,000 $ 41,000
Spotsylvania, Virginia 2 $ 428,000 $ 214,000 $ 119,000
Grays Harbor, Washington 2 $ 442,000 $ 221,000 $ 222,000
Kitsap, Washington 2 $ 608,000 $ 304,000 $ 115,000
San Juan, Washington 2 $ 529,000 $ 264,500 $ 150,000
Whatcom, Washington 2 $ 273,000 $ 136,500 $ 50,000
Adams, Wisconsin 2 $ 188,000 $ 94,000 $ 92,000
Columbia, Wisconsin 2 $ 429,000 $ 214,500 $ 100,000
Douglas, Wisconsin 2 $ 221,000 $ 110,500 $ 67,000
Marathon, Wisconsin 2 $ 468,000 $ 234,000 $ 152,000
Oneida, Wisconsin 2 $ 221,000 $ 110,500 $ 82,000
Shawano, Wisconsin 2 $ 295,000 $ 147,500 $ 137,000
Washington, Wisconsin 2 $ 468,000 $ 234,000 $ 86,000
Navajo, Arizona 1 $ 593,000 $ 593,000 $ 316,000
Amador, California 1 $ 305,000 $ 305,000 $ 89,000
Imperial, California 1 $ 144,000 $ 144,000 $ 123,000
Kings, California 1 $ 181,000 $ 181,000 $ 122,000
Lake, California 1 $ 310,000 $ 310,000 $ 227,000
Merced, California 1 $ 125,000 $ 125,000 $ 222,000
Tehama, California 1 $ 276,000 $ 276,000 $ 76,000
Trinity, California 1 $ 133,000 $ 133,000 $ 33,000
Yuba, California 1 $ 221,000 $ 221,000 $ 153,000
Archuleta, Colorado 1 $ 319,000 $ 319,000 $ 201,000
Clear Creek, Colorado 1 $ 223,000 $ 223,000 $ 58,000
Grand, Colorado 1 $ 208,000 $ 208,000 $ 181,000
Morgan, Colorado 1 $ 235,000 $ 235,000 $ 53,000
Park, Colorado 1 $ 214,000 $ 214,000 $ 55,000
San Miguel, Colorado 1 $ 413,000 $ 413,000 $ 328,000
Summit, Colorado 1 $ 1,659,000 $ 1,659,000 $ 815,000
Yuma, Colorado 1 $ 70,000 $ 70,000 $ 75,000
Kent, Delaware 1 $ 100,000 $ 100,000 $ 116,000
Sussex, Delaware 1 $ 110,000 $ 110,000 $ 30,000
Bay, Florida 1 $ 208,000 $ 208,000 $ 135,000
Duval, Florida 1 $ 180,000 $ 180,000 $ 40,000
Flagler, Florida 1 $ 162,000 $ 162,000 $ 71,000
Hernando, Florida 1 $ 86,000 $ 86,000 $ 22,000
Highlands, Florida 1 $ 58,000 $ 58,000 $ 76,000
Indian River, Florida 1 $ 299,000 $ 299,000 $ 60,000
Jackson, Florida 1 $ 164,000 $ 164,000 $ 122,000
Marion, Florida 1 $ 316,000 $ 316,000 $ 39,000
Martin, Florida 1 $ 83,000 $ 83,000 $ 35,000
Okeechobee, Florida 1 $ 132,000 $ 132,000 $ 102,000
St. Lucie, Florida 1 $ 43,000 $ 43,000 $ 55,000
Wakulla, Florida 1 $ 135,000 $ 135,000 $ 104,000
Walton, Florida 1 $ 282,000 $ 282,000 $ 112,000
Bartow, Georgia 1 $ 40,000 $ 40,000 $ 63,000
Carroll, Georgia 1 $ 79,000 $ 79,000 $ 47,000
Columbia, Georgia 1 $ 144,000 $ 144,000 $ 30,000
Hall, Georgia 1 $ 201,000 $ 201,000 $ 93,000
Henry, Georgia 1 $ 136,000 $ 136,000 $ 39,000
Jasper, Georgia 1 $ 137,000 $ 137,000 $ 84,000
Putnam, Georgia 1 $ 413,000 $ 413,000 $ 126,000
Rabun, Georgia 1 $ 215,000 $ 215,000 $ 106,000
Maui, Hawaii 1 $ 225,000 $ 225,000 $ 107,000
Ada, Idaho 1 $ 327,000 $ 327,000 $ 113,000
Blaine, Idaho 1 $ 281,000 $ 281,000 $ 84,000
Bonner, Idaho 1 $ 304,000 $ 304,000 $ 368,000
Fremont, Idaho 1 $ 81,000 $ 81,000 $ 93,000
Valley, Idaho 1 $ 340,000 $ 340,000 $ 225,000
Boone, Illinois 1 $ 89,000 $ 89,000 $ 93,000
Carroll, Illinois 1 $ 415,000 $ 415,000 $ 595,000
Champaign, Illinois 1 $ 250,000 $ 250,000 $ 124,000
Lee, Illinois 1 $ 145,000 $ 145,000 $ 79,000
Macoupin, Illinois 1 $ 145,000 $ 145,000 $ 69,000
McLean, Illinois 1 $ 106,000 $ 106,000 $ 422,000
Ogle, Illinois 1 $ 195,000 $ 195,000 $ 97,000
Peoria, Illinois 1 $ 144,000 $ 144,000 $ 39,000
Pike, Illinois 1 $ 140,000 $ 140,000 $ 50,000
Putnam, Illinois 1 $ 95,000 $ 95,000 $ 20,000
Rock Island, Illinois 1 $ 70,000 $ 70,000 $ 19,000
Sangamon, Illinois 1 $ 150,000 $ 150,000 $ 70,000
Boone, Indiana 1 $ 120,000 $ 120,000 $ 43,000
Clark, Indiana 1 $ 126,000 $ 126,000 $ 36,000
Decatur, Indiana 1 $ 125,000 $ 125,000 $ 166,000
Hancock, Indiana 1 $ 143,000 $ 143,000 $ 38,000
Johnson, Indiana 1 $ 196,000 $ 196,000 $ 134,000
Madison, Indiana 1 $ 123,000 $ 123,000 $ 106,000
Marshall, Indiana 1 $ 177,000 $ 177,000 $ 102,000
Monroe, Indiana 1 $ 401,000 $ 401,000 $ 112,000
Owen, Indiana 1 $ 157,000 $ 157,000 $ 102,000
Tippecanoe, Indiana 1 $ 63,000 $ 63,000 $ 169,000
Vigo, Indiana 1 $ 47,000 $ 47,000 $ 113,000
Marion, Iowa 1 $ 372,000 $ 372,000 $ 116,000
Story, Iowa 1 $ 191,000 $ 191,000 $ 78,000
Butler, Kansas 1 $ 145,000 $ 145,000 $ 329,000
Jefferson, Kansas 1 $ 142,000 $ 142,000 $ 46,000
Russell, Kansas 1 $ 189,000 $ 189,000 $ 54,000
Lincoln, Maine 1 $ 227,000 $ 227,000 $ 53,000
Oxford, Maine 1 $ 295,000 $ 295,000 $ 125,000
Penobscot, Maine 1 $ 141,000 $ 141,000 $ 31,000
Sagadahoc, Maine 1 $ 358,000 $ 358,000 $ 153,000
Baltimore City, Maryland 1 $ 238,000 $ 238,000 $ 104,000
Carroll, Maryland 1 $ 203,000 $ 203,000 $ 121,000
Frederick, Maryland 1 $ 193,000 $ 193,000 $ 175,000
Barnstable, Massachusetts 1 $ 417,000 $ 417,000 $ 206,000
Hampshire, Massachusetts 1 $ 244,000 $ 244,000 $ 99,000
Berrien, Michigan 1 $ 326,000 $ 326,000 $ 102,000
Eaton, Michigan 1 $ 132,000 $ 132,000 $ 103,000
Grand Traverse, Michigan 1 $ 162,000 $ 162,000 $ 155,000
Kent, Michigan 1 $ 270,000 $ 270,000 $ 67,000
St. Joseph, Michigan 1 $ 175,000 $ 175,000 $ 177,000
Washtenaw, Michigan 1 $ 141,000 $ 141,000 $ 50,000
Cass, Minnesota 1 $ 417,000 $ 417,000 $ 325,000
Douglas, Minnesota 1 $ 345,000 $ 345,000 $ 191,000
Houston, Minnesota 1 $ 162,000 $ 162,000 $ 42,000
Hubbard, Minnesota 1 $ 203,000 $ 203,000 $ 76,000
Isanti, Minnesota 1 $ 133,000 $ 133,000 $ 102,000
Nicollet, Minnesota 1 $ 232,000 $ 232,000 $ 73,000
Olmsted, Minnesota 1 $ 112,000 $ 112,000 $ 40,000
Stearns, Minnesota 1 $ 165,000 $ 165,000 $ 78,000
Christian, Missouri 1 $ 110,000 $ 110,000 $ 30,000
Dallas, Missouri 1 $ 70,000 $ 70,000 $ 32,000
Hickory, Missouri 1 $ 208,000 $ 208,000 $ 51,000
Jasper, Missouri 1 $ 236,000 $ 236,000 $ 89,000
Lafayette, Missouri 1 $ 200,000 $ 200,000 $ 81,000
Ralls, Missouri 1 $ 59,000 $ 59,000 $ 156,000
Ste. Genevieve, Missouri 1 $ 128,000 $ 128,000 $ 0
Cass, Nebraska 1 $ 210,000 $ 210,000 $ 89,000
Douglas, Nebraska 1 $ 138,000 $ 138,000 $ 33,000
Sarpy, Nebraska 1 $ 166,000 $ 166,000 $ 78,000
Carson City, Nevada 1 $ 56,000 $ 56,000 $ 75,000
Washoe, Nevada 1 $ 66,000 $ 66,000 $ 125,000
Grafton, New Hampshire 1 $ 283,000 $ 283,000 $ 175,000
Merrimack, New Hampshire 1 $ 240,000 $ 240,000 $ 122,000
Cumberland, New Jersey 1 $ 200,000 $ 200,000 $ 118,000
Hudson, New Jersey 1 $ 374,000 $ 374,000 $ 125,000
Somerset, New Jersey 1 $ 211,000 $ 211,000 $ 96,000
Union, New Jersey 1 $ 329,000 $ 329,000 $ 262,000
Allegany, New York 1 $ 55,000 $ 55,000 $ 17,000
Chemung, New York 1 $ 63,000 $ 63,000 $ 33,000
Clinton, New York 1 $ 123,000 $ 123,000 $ 129,000
Columbia, New York 1 $ 228,000 $ 228,000 $ 113,000
Franklin, New York 1 $ 134,000 $ 134,000 $ 83,000
Hamilton, New York 1 $ 180,000 $ 180,000 $ 110,000
Herkimer, New York 1 $ 415,000 $ 415,000 $ 178,000
New York, New York 1 $ 270,000 $ 270,000 $ 85,000
Oswego, New York 1 $ 240,000 $ 240,000 $ 70,000
Tioga, New York 1 $ 116,000 $ 116,000 $ 50,000
Tompkins, New York 1 $ 182,000 $ 182,000 $ 104,000
Warren, New York 1 $ 150,000 $ 150,000 $ 30,000
Washington, New York 1 $ 177,000 $ 177,000 $ 60,000
Buncombe, North Carolina 1 $ 103,000 $ 103,000 $ 60,000
Gaston, North Carolina 1 $ 385,000 $ 385,000 $ 119,000
Henderson, North Carolina 1 $ 253,000 $ 253,000 $ 332,000
Iredell, North Carolina 1 $ 374,000 $ 374,000 $ 135,000
Lincoln, North Carolina 1 $ 348,000 $ 348,000 $ 149,000
Moore, North Carolina 1 $ 70,000 $ 70,000 $ 320,000
Orange, North Carolina 1 $ 100,000 $ 100,000 $ 120,000
Rockingham, North Carolina 1 $ 329,000 $ 329,000 $ 167,000
Wake, North Carolina 1 $ 108,000 $ 108,000 $ 85,000
Watauga, North Carolina 1 $ 80,000 $ 80,000 $ 72,000
Burleigh, North Dakota 1 $ 210,000 $ 210,000 $ 92,000
Cass, North Dakota 1 $ 94,000 $ 94,000 $ 18,000
Williams, North Dakota 1 $ 270,000 $ 270,000 $ 186,000
Hamilton, Ohio 1 $ 154,000 $ 154,000 $ 64,000
Jefferson, Ohio 1 $ 44,000 $ 44,000 $ 11,000
Sandusky, Ohio 1 $ 138,000 $ 138,000 $ 54,000
Stark, Ohio 1 $ 130,000 $ 130,000 $ 45,000
Canadian, Oklahoma 1 $ 310,000 $ 310,000 $ 88,000
Cherokee, Oklahoma 1 $ 93,000 $ 93,000 $ 79,000
Cleveland, Oklahoma 1 $ 50,000 $ 50,000 $ 118,000
Pushmataha, Oklahoma 1 $ 140,000 $ 140,000 $ 132,000
Sequoyah, Oklahoma 1 $ 158,000 $ 158,000 $ 42,000
Tulsa, Oklahoma 1 $ 106,000 $ 106,000 $ 39,000
Coos, Oregon 1 $ 139,000 $ 139,000 $ 24,000
Douglas, Oregon 1 $ 116,000 $ 116,000 $ 200,000
Jackson, Oregon 1 $ 243,000 $ 243,000 $ 35,000
Klamath, Oregon 1 $ 244,000 $ 244,000 $ 168,000
Lincoln, Oregon 1 $ 101,000 $ 101,000 $ 48,000
Cambria, Pennsylvania 1 $ 260,000 $ 260,000 $ 113,000
Fayette, Pennsylvania 1 $ 167,000 $ 167,000 $ 247,000
Franklin, Pennsylvania 1 $ 190,000 $ 190,000 $ 160,000
Juniata, Pennsylvania 1 $ 248,000 $ 248,000 $ 116,000
Lebanon, Pennsylvania 1 $ 134,000 $ 134,000 $ 110,000
Northumberland, Pennsylvania 1 $ 99,000 $ 99,000 $ 85,000
Snyder, Pennsylvania 1 $ 56,000 $ 56,000 $ 21,000
Wyoming, Pennsylvania 1 $ 355,000 $ 355,000 $ 68,000
York, Pennsylvania 1 $ 123,000 $ 123,000 $ 31,000
Kent, Rhode Island 1 $ 327,000 $ 327,000 $ 145,000
Washington, Rhode Island 1 $ 315,000 $ 315,000 $ 223,000
Georgetown, South Carolina 1 $ 250,000 $ 250,000 $ 33,000
Horry, South Carolina 1 $ 259,000 $ 259,000 $ 89,000
Newberry, South Carolina 1 $ 242,000 $ 242,000 $ 63,000
York, South Carolina 1 $ 337,000 $ 337,000 $ 120,000
Bon Homme, South Dakota 1 $ 65,000 $ 65,000 $ 54,000
Davison, South Dakota 1 $ 162,000 $ 162,000 $ 72,000
Lawrence, South Dakota 1 $ 305,000 $ 305,000 $ 455,000
Scott, Tennessee 1 $ 190,000 $ 190,000 $ 90,000
Williamson, Tennessee 1 $ 417,000 $ 417,000 $ 100,000
Bexar, Texas 1 $ 1,290,000 $ 1,290,000 $ 0
Grayson, Texas 1 $ 6,000,000 $ 6,000,000 $ 0
Travis, Texas 1 $ 2,730,000 $ 2,730,000 $ 0
Morgan, Utah 1 $ 303,000 $ 303,000 $ 60,000
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Mortgage Loan Application Detail Totals for Kinecta 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 13,003 $4,271,887,000 $328,000 $6,000,000 $139,000 $6,698,000
Home Purchase 4,368 $1,422,570,000 $325,000 $6,150,000 $132,000 $3,600,000
Home Improvement 95 $31,765,000 $334,000 $1,189,000 $151,000 $1,326,000

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 10,446 $3,461,812,000 $331,000 $4,211,000 $144,000 $6,698,000
Not Provided 3,022 $1,013,585,000 $335,000 $6,150,000 $137,000 $3,673,000
Asian 2,329 $767,004,000 $329,000 $2,600,000 $136,000 $3,371,000
Hispanic 1,181 $326,840,000 $276,000 $2,762,000 $100,000 $2,731,000
Black or African American 396 $105,809,000 $267,000 $3,500,000 $112,000 $2,891,000
Native Hawaiian or Other Pacific Islander 59 $18,020,000 $305,000 $765,000 $99,000 $206,000
American Indian or Alaskan Native 23 $6,913,000 $300,000 $540,000 $134,000 $517,000
Not applicable 10 $26,239,000 $2,623,000 $6,000,000 $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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 16,845 $5,567,882,000 $330,000 $6,150,000 $139,000 $6,698,000
FHA-insured (Federal Housing Administration) 621 $158,340,000 $254,000 $910,000 $84,000 $750,000
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 12,013 $3,742,053,000 $311,000 $6,150,000 $137,000 $4,318,000
Application Denied By Financial Institution 2,005 $797,167,000 $397,000 $6,000,000 $135,000 $1,486,000
Application Withdrawn By Applicant 1,366 $470,787,000 $344,000 $6,000,000 $147,000 $3,673,000
File Closed For Incompleteness 1,016 $354,405,000 $348,000 $3,500,000 $127,000 $3,371,000
Application Approved But Not Accepted 954 $316,782,000 $332,000 $2,584,000 $145,000 $6,698,000
Preapproval Approved but not Accepted 67 $25,795,000 $385,000 $2,600,000 $113,000 $525,000
Preapproval Denied by Financial Institution 45 $19,233,000 $427,000 $880,000 $133,000 $423,000
Loan Purchased By The 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
Debt-To-Income Ratio 680 $291,775,000 $429,000 $3,325,000 $98,000 $896,000
Collateral 514 $172,971,000 $336,000 $6,000,000 $138,000 $1,182,000
Other 319 $129,521,000 $406,000 $3,600,000 $185,000 $1,448,000
Credit Application Incomplete 265 $111,202,000 $419,000 $3,000,000 $163,000 $1,486,000
Credit History 125 $47,719,000 $381,000 $3,000,000 $133,000 $650,000
Unverifiable Information 51 $23,703,000 $464,000 $2,533,000 $146,000 $936,000
Employment History 48 $18,342,000 $382,000 $1,400,000 $109,000 $349,000
Insufficient Cash (Downpayment, Closing Cost) 42 $19,290,000 $459,000 $2,762,000 $190,000 $900,000
Mortgage Insurance Denied 6 $1,877,000 $312,000 $574,000 $88,000 $177,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Kinecta 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 Kinecta 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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