Orion Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, Orion Federal Credit Union of Memphis, TN reported 551 mortgage applications totaling $63.7 million. The average application was for $115,611, and applicants reported an average income of $85,192. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Memphis, TN-MS-AR (194), San Jose-Sunnyvale-Santa Clara, CA (47) and Anaheim-Santa Ana-Irvine, CA (26) (applications in parentheses).
| Mortgage Company & Address | Orion Federal Credit Union 7845 Highway 64 Memphis, TN 38103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2011 2010 |
| Total Number of Mortgage Applications | 551 |
| Total Mortgage Loan Application Amount | $63,702,000 |
| Average Mortgage Loan Application Amount | $115,611 |
| Highest Mortgage Loan Application Amount | $969,000 |
| Average Applicant Income | $85,192 |
| Highest Applicant Income | $2,778,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Orion Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 194 | $ 25,891,000 | $ 133,458 | $ 89,768 |
| San Jose-Sunnyvale-Santa Clara, CA | 47 | $ 8,595,000 | $ 182,872 | $ 132,000 |
| Anaheim-Santa Ana-Irvine, CA | 26 | $ 2,632,000 | $ 101,230 | $ 91,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 17 | $ 1,487,000 | $ 87,470 | $ 57,588 |
| San Diego-Carlsbad, CA | 11 | $ 1,188,000 | $ 108,000 | $ 62,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 1,012,000 | $ 101,200 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 353,000 | $ 50,428 | $ 51,000 |
| Jacksonville, FL | 6 | $ 627,000 | $ 104,500 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 394,000 | $ 65,666 | $ 66,000 |
| Baton Rouge, LA | 4 | $ 456,000 | $ 114,000 | $ 64,000 |
| Eugene, OR | 4 | $ 298,000 | $ 74,500 | $ 46,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 395,000 | $ 98,750 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 976,000 | $ 244,000 | $ 126,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 198,000 | $ 49,500 | $ 62,000 |
| Alexandria, LA | 3 | $ 404,000 | $ 134,666 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 307,000 | $ 102,333 | $ 67,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 571,000 | $ 190,333 | $ 98,000 |
| Savannah, GA | 3 | $ 295,000 | $ 98,333 | $ 86,000 |
| Decatur, AL | 2 | $ 123,000 | $ 61,500 | $ 43,000 |
| Hinesville, GA | 2 | $ 193,000 | $ 96,500 | $ 46,000 |
| Homosassa Springs, FL | 2 | $ 224,000 | $ 112,000 | $ 54,000 |
| Houma-Thibodaux, LA | 2 | $ 204,000 | $ 102,000 | $ 71,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 366,000 | $ 183,000 | $ 104,000 |
| Huntsville, AL | 2 | $ 156,000 | $ 78,000 | $ 32,000 |
| Lake Charles, LA | 2 | $ 162,000 | $ 81,000 | $ 98,000 |
| Lakeland-Winter Haven, FL | 2 | $ 134,000 | $ 67,000 | $ 52,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 143,000 | $ 71,500 | $ 53,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 152,000 | $ 76,000 | $ 316,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 187,000 | $ 93,500 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 133,000 | $ 66,500 | $ 32,000 |
| Salem, OR | 2 | $ 76,000 | $ 38,000 | $ 46,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 513,000 | $ 256,500 | $ 133,000 |
| Shreveport-Bossier City, LA | 2 | $ 207,000 | $ 103,500 | $ 71,000 |
| Albany, GA | 1 | $ 107,000 | $ 107,000 | $ 54,000 |
| Albany, OR | 1 | $ 19,000 | $ 19,000 | $ 37,000 |
| Amarillo, TX | 1 | $ 127,000 | $ 127,000 | $ 61,000 |
| Beaumont-Port Arthur, TX | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Birmingham-Hoover, AL | 1 | $ 101,000 | $ 101,000 | $ 95,000 |
| Corvallis, OR | 1 | $ 31,000 | $ 31,000 | $ 40,000 |
| Dallas-Plano-Irving, TX | 1 | $ 107,000 | $ 107,000 | $ 117,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 148,000 | $ 148,000 | $ 169,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Dothan, AL | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Flagstaff, AZ | 1 | $ 29,000 | $ 29,000 | $ 16,000 |
| Gainesville, FL | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 62,000 | $ 62,000 | $ 59,000 |
| Hattiesburg, MS | 1 | $ 16,000 | $ 16,000 | $ 94,000 |
| Jackson, TN | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Kennewick-Richland, WA | 1 | $ 28,000 | $ 28,000 | $ 45,000 |
| Lafayette, LA | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 47,000 | $ 47,000 | $ 77,000 |
| Lubbock, TX | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Medford, OR | 1 | $ 48,000 | $ 48,000 | $ 33,000 |
| Mobile, AL | 1 | $ 96,000 | $ 96,000 | $ 84,000 |
| Monroe, LA | 1 | $ 177,000 | $ 177,000 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 112,000 | $ 112,000 | $ 200,000 |
| Napa, CA | 1 | $ 162,000 | $ 162,000 | $ 78,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 92,000 | $ 92,000 | $ 43,000 |
| Oklahoma City, OK | 1 | $ 63,000 | $ 63,000 | $ 74,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Pine Bluff, AR | 1 | $ 112,000 | $ 112,000 | $ 99,000 |
| San Antonio-New Braunfels, TX | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 98,000 | $ 98,000 | $ 143,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 36,000 | $ 36,000 | $ 53,000 |
| Sherman-Denison, TX | 1 | $ 79,000 | $ 79,000 | $ 73,000 |
| Spokane-Spokane Valley, WA | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Tacoma-Lakewood, WA | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Tallahassee, FL | 1 | $ 120,000 | $ 120,000 | $ 92,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Tucson, AZ | 1 | $ 151,000 | $ 151,000 | $ 77,000 |
| Tulsa, OK | 1 | $ 82,000 | $ 82,000 | $ 68,000 |
| Tuscaloosa, AL | 1 | $ 113,000 | $ 113,000 | $ 71,000 |
| Valdosta, GA | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Warner Robins, GA | 1 | $ 183,000 | $ 183,000 | $ 68,000 |
| Wenatchee, WA | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Orion Federal Credit Union in 2015
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 | 403 | $45,135,000 | $111,000 | $380,000 | $89,000 | $2,778,000 |
| Refinancing | 147 | $18,520,000 | $125,000 | $969,000 | $75,000 | $375,000 |
| Home Improvement | 1 | $47,000 | $47,000 | $47,000 | $49,000 | $49,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 347 | $37,002,000 | $106,000 | $340,000 | $84,000 | $588,000 |
| White | 78 | $11,320,000 | $145,000 | $969,000 | $80,000 | $269,000 |
| Black or African American | 70 | $7,846,000 | $112,000 | $583,000 | $69,000 | $200,000 |
| Not Provided | 48 | $6,644,000 | $138,000 | $380,000 | $133,000 | $2,778,000 |
| Hispanic | 6 | $672,000 | $112,000 | $198,000 | $55,000 | $100,000 |
| Asian | 2 | $218,000 | $109,000 | $128,000 | $144,000 | $188,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 551 | $63,702,000 | $115,000 | $969,000 | $85,000 | $2,778,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 383 | $41,234,000 | $107,000 | $340,000 | $84,000 | $588,000 |
| Application Withdrawn By Applicant | 92 | $13,355,000 | $145,000 | $969,000 | $107,000 | $2,778,000 |
| Application Denied By Financial Institution | 55 | $6,512,000 | $118,000 | $583,000 | $64,000 | $198,000 |
| File Closed For Incompleteness | 16 | $1,874,000 | $117,000 | $240,000 | $81,000 | $269,000 |
| Application Approved But Not Accepted | 5 | $727,000 | $145,000 | $340,000 | $76,000 | $138,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 33 | $3,753,000 | $113,000 | $583,000 | $63,000 | $188,000 |
| Debt-To-Income Ratio | 10 | $1,533,000 | $153,000 | $238,000 | $71,000 | $174,000 |
| Collateral | 9 | $931,000 | $103,000 | $199,000 | $66,000 | $198,000 |
| Other | 2 | $99,000 | $49,000 | $50,000 | $38,000 | $44,000 |
| Unverifiable Information | 1 | $196,000 | $196,000 | $196,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Orion Federal Credit Union's 2015 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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