Orion Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Orion Federal Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Orion Federal Credit Union 7845 Highway 64 Memphis, TN 38133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2011 2010 |
| Total Number of Mortgage Applications | 953 |
| Total Mortgage Loan Application Amount | $205,955,000 |
| Average Mortgage Loan Application Amount | $193,000 |
| Highest Mortgage Loan Application Amount | $12,505,000 |
| Average Applicant Income | $97,800 |
| Highest Applicant Income | $4,392,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Orion 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 Orion Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Orion 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 Orion Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Orion 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 Orion Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shelby County Tennessee | 498 | $ 97,870,000 | $ 196,000 | $ 105,000 |
| DeSoto County Mississippi | 69 | $ 22,265,000 | $ 322,000 | $ 104,000 |
| Santa Clara County California | 51 | $ 11,685,000 | $ 229,000 | $ 0 |
| Los Angeles County California | 25 | $ 3,595,000 | $ 143,000 | $ 0 |
| Fayette County Tennessee | 21 | $ 5,045,000 | $ 240,000 | $ 107,000 |
| Pulaski County Arkansas | 15 | $ 1,325,000 | $ 88,000 | $ 60,000 |
| San Diego County California | 15 | $ 2,375,000 | $ 158,000 | $ 0 |
| Madison County Tennessee | 12 | $ 4,310,000 | $ 359,000 | $ 245,000 |
| Orange County California | 11 | $ 1,805,000 | $ 164,000 | $ 0 |
| Sacramento County California | 9 | $ 865,000 | $ 96,000 | $ 0 |
| San Bernardino County California | 9 | $ 915,000 | $ 101,000 | $ 0 |
| Sonoma County California | 9 | $ 1,475,000 | $ 163,000 | $ 0 |
| Riverside County California | 8 | $ 1,020,000 | $ 127,000 | $ 0 |
| Alameda County California | 7 | $ 1,545,000 | $ 220,000 | $ 0 |
| Maricopa County Arizona | 6 | $ 470,000 | $ 78,000 | $ 0 |
| Contra Costa County California | 6 | $ 910,000 | $ 151,000 | $ 0 |
| Clackamas County Oregon | 6 | $ 610,000 | $ 101,000 | $ 0 |
| Tipton County Tennessee | 6 | $ 1,300,000 | $ 216,000 | $ 76,000 |
| King County Washington | 6 | $ 1,270,000 | $ 211,000 | $ 724,000 |
| Pierce County Washington | 6 | $ 700,000 | $ 116,000 | $ 0 |
| Ventura County California | 5 | $ 855,000 | $ 171,000 | $ 0 |
| Washington County Oregon | 5 | $ 545,000 | $ 109,000 | $ 0 |
| Davidson County Tennessee | 5 | $ 13,455,000 | $ 2,691,000 | $ 101,000 |
| Clark County Washington | 5 | $ 475,000 | $ 95,000 | $ 0 |
| Linn County Oregon | 4 | $ 300,000 | $ 75,000 | $ 0 |
| Marion County Oregon | 4 | $ 330,000 | $ 82,000 | $ 0 |
| Yamhill County Oregon | 4 | $ 420,000 | $ 105,000 | $ 0 |
| Hardin County Tennessee | 4 | $ 440,000 | $ 110,000 | $ 130,000 |
| Unicoi County Tennessee | 4 | $ 1,510,000 | $ 377,000 | $ 144,000 |
| Williamson County Tennessee | 4 | $ 2,020,000 | $ 505,000 | $ 445,000 |
| Thurston County Washington | 4 | $ 580,000 | $ 145,000 | $ 0 |
| Yavapai County Arizona | 3 | $ 295,000 | $ 98,000 | $ 0 |
| Crittenden County Arkansas | 3 | $ 385,000 | $ 128,000 | $ 71,000 |
| Solano County California | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Lafayette County Mississippi | 3 | $ 475,000 | $ 158,000 | $ 87,000 |
| Lee County Mississippi | 3 | $ 365,000 | $ 121,000 | $ 71,000 |
| Marshall County Mississippi | 3 | $ 475,000 | $ 158,000 | $ 69,000 |
| Lane County Oregon | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Pima County Arizona | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Inyo County California | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Napa County California | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Placer County California | 2 | $ 190,000 | $ 95,000 | $ 0 |
| San Mateo County California | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Sutter County California | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Yolo County California | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Bay County Florida | 2 | $ 490,000 | $ 245,000 | $ 110,000 |
| Walton County Florida | 2 | $ 1,670,000 | $ 835,000 | $ 378,000 |
| Tate County Mississippi | 2 | $ 270,000 | $ 135,000 | $ 85,000 |
| Union County Mississippi | 2 | $ 160,000 | $ 80,000 | $ 71,000 |
| Deschutes County Oregon | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Douglas County Oregon | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Jackson County Oregon | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Montgomery County Alabama | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Apache County Arizona | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coconino County Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Benton County Arkansas | 1 | $ 505,000 | $ 505,000 | $ 199,000 |
| Carroll County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Cross County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Lawrence County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Lee County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Lonoke County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Ouachita County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| St. Francis County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Calaveras County California | 1 | $ 95,000 | $ 95,000 | $ 0 |
| El Dorado County California | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Fresno County California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kern County California | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mono County California | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Monterey County California | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Nevada County California | 1 | $ 115,000 | $ 115,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Santa Barbara County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tulare County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tuolumne County California | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Broward County Florida | 1 | $ 605,000 | $ 605,000 | $ 162,000 |
| Franklin County Florida | 1 | $ 245,000 | $ 245,000 | $ 213,000 |
| Hillsborough County Florida | 1 | $ 235,000 | $ 235,000 | $ 202,000 |
| Lee County Florida | 1 | $ 345,000 | $ 345,000 | $ 87,000 |
| Palm Beach County Florida | 1 | $ 6,225,000 | $ 6,225,000 | $ 4,392,000 |
| Polk County Florida | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| Cook County Illinois | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Pottawattamie County Iowa | 1 | $ 435,000 | $ 435,000 | $ 150,000 |
| Labette County Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Rapides County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Hennepin County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Montgomery County Mississippi | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Panola County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Tunica County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Christian County Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clark County Nevada | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Guadalupe County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 228,000 |
| Durham County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Benton County Oregon | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Curry County Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Polk County Oregon | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Wallowa County Oregon | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Horry County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Blount County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Gibson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Hamilton County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 178,000 |
| Hardeman County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Knox County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Sullivan County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 153,000 |
| Ellis County Texas | 1 | $ 385,000 | $ 385,000 | $ 114,000 |
| Fort Bend County Texas | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Cowlitz County Washington | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Klickitat County Washington | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Snohomish County Washington | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Spokane County Washington | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Stevens County Washington | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Yakima County Washington | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for Orion Federal Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 440 | $105,630,000 | $240,000 | $12,505,000 | $131,000 | $4,392,000 |
| Refinancing | 266 | $54,980,000 | $206,000 | $8,005,000 | $106,000 | $742,000 |
| Cash-out Refinancing | 198 | $36,520,000 | $184,000 | $1,165,000 | $121,000 | $1,806,000 |
| Other Purpose | 48 | $8,670,000 | $180,000 | $1,095,000 | $82,000 | $404,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $49,000 | $49,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 284 | $68,810,000 | $242,000 | $6,225,000 | $134,000 | $4,392,000 |
| Not applicable | 264 | $61,700,000 | $233,000 | $12,505,000 | $0 | $0 |
| Black or African American | 250 | $45,940,000 | $183,000 | $1,245,000 | $91,000 | $1,356,000 |
| Not Provided | 101 | $17,845,000 | $176,000 | $525,000 | $120,000 | $1,806,000 |
| Asian | 23 | $5,415,000 | $235,000 | $985,000 | $105,000 | $408,000 |
| Hispanic | 17 | $3,095,000 | $182,000 | $635,000 | $175,000 | $1,128,000 |
| American Indian or Alaskan Native | 9 | $2,025,000 | $225,000 | $485,000 | $107,000 | $344,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 949 | $205,025,000 | $216,000 | $12,505,000 | $117,000 | $4,392,000 |
| FHA-insured (Federal Housing Administration) | 2 | $280,000 | $140,000 | $175,000 | $38,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 2 | $650,000 | $325,000 | $435,000 | $118,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 475 | $120,095,000 | $252,000 | $12,505,000 | $104,000 | $988,000 |
| Loan Purchased By The Institution | 260 | $38,510,000 | $148,000 | $385,000 | $0 | $0 |
| Application Withdrawn By Applicant | 163 | $38,865,000 | $238,000 | $6,225,000 | $157,000 | $4,392,000 |
| Application Denied By Financial Institution | 49 | $7,685,000 | $156,000 | $405,000 | $102,000 | $1,356,000 |
| File Closed For Incompleteness | 6 | $800,000 | $133,000 | $315,000 | $97,000 | $216,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 904 | $198,270,000 | $219,000 | $12,505,000 | $118,000 | $4,392,000 |
| Credit History | 27 | $4,345,000 | $160,000 | $405,000 | $129,000 | $1,356,000 |
| Collateral | 6 | $790,000 | $131,000 | $395,000 | $85,000 | $140,000 |
| Debt-To-Income Ratio | 5 | $875,000 | $175,000 | $345,000 | $39,000 | $69,000 |
| Other | 4 | $470,000 | $117,000 | $175,000 | $94,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $570,000 | $142,000 | $195,000 | $54,000 | $68,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $150,000 | $150,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $275,000 | $275,000 | $275,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Orion Federal Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Orion 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.