Orion Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Orion Federal Credit Union 2022 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 | 830 |
| Total Mortgage Loan Application Amount | $252,520,000 |
| Average Mortgage Loan Application Amount | $371,333 |
| Highest Mortgage Loan Application Amount | $30,005,000 |
| Average Applicant Income | $142,000 |
| Highest Applicant Income | $3,441,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 391 | $ 153,685,000 | $ 313,000 | $ 123,333 |
| NA (OUTSIDE OF MSA/MD) | 53 | $ 9,065,000 | $ 194,583 | $ 136,857 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 35 | $ 13,355,000 | $ 381,000 | $ 127,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 32 | $ 7,370,000 | $ 230,000 | $ 0 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 27 | $ 2,795,000 | $ 104,500 | $ 0 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 24 | $ 3,280,000 | $ 136,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 22 | $ 2,530,000 | $ 115,000 | $ 115,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 16 | $ 2,080,000 | $ 130,000 | $ 117,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 14 | $ 1,410,000 | $ 100,000 | $ 0 |
| SAN DIEGO-CARLSBAD, CA | 12 | $ 2,020,000 | $ 168,000 | $ 0 |
| OAKLAND-HAYWARD-BERKELEY, CA | 11 | $ 2,275,000 | $ 206,000 | $ 0 |
| KENNEWICK-RICHLAND, WA | 10 | $ 840,000 | $ 84,000 | $ 0 |
| SALEM, OR | 9 | $ 835,000 | $ 92,000 | $ 0 |
| YAKIMA, WA | 9 | $ 705,000 | $ 78,000 | $ 0 |
| JACKSON, TN | 8 | $ 1,950,000 | $ 243,000 | $ 172,000 |
| SANTA ROSA, CA | 8 | $ 1,220,000 | $ 152,000 | $ 0 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 7 | $ 7,555,000 | $ 1,079,000 | $ 378,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 7 | $ 1,735,000 | $ 247,000 | $ 109,000 |
| MODESTO, CA | 6 | $ 700,000 | $ 116,000 | $ 0 |
| TACOMA-LAKEWOOD, WA | 6 | $ 720,000 | $ 120,000 | $ 0 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 5 | $ 525,000 | $ 105,000 | $ 0 |
| CHATTANOOGA, TN-GA | 5 | $ 1,735,000 | $ 365,500 | $ 160,500 |
| CLARKSVILLE, TN-KY | 5 | $ 5,045,000 | $ 1,009,000 | $ 46,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 5 | $ 1,465,000 | $ 293,000 | $ 89,000 |
| FRESNO, CA | 5 | $ 425,000 | $ 85,000 | $ 0 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 5 | $ 1,055,000 | $ 211,000 | $ 0 |
| ALBUQUERQUE, NM | 4 | $ 370,000 | $ 92,000 | $ 0 |
| BEND-REDMOND, OR | 4 | $ 330,000 | $ 82,000 | $ 0 |
| JACKSON, MS | 4 | $ 290,000 | $ 72,000 | $ 311,000 |
| MEDFORD, OR | 4 | $ 430,000 | $ 107,000 | $ 0 |
| NAPA, CA | 4 | $ 700,000 | $ 175,000 | $ 0 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 4 | $ 920,000 | $ 230,000 | $ 0 |
| BAKERSFIELD, CA | 3 | $ 255,000 | $ 85,000 | $ 0 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 3 | $ 2,745,000 | $ 915,000 | $ 517,000 |
| NEW ORLEANS-METAIRIE, LA | 3 | $ 335,000 | $ 111,000 | $ 183,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 3 | $ 205,000 | $ 68,000 | $ 0 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 3 | $ 445,000 | $ 148,000 | $ 0 |
| ALBANY, OR | 2 | $ 170,000 | $ 85,000 | $ 0 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 2 | $ 470,000 | $ 235,000 | $ 130,000 |
| AUSTIN-ROUND ROCK, TX | 2 | $ 230,000 | $ 115,000 | $ 136,000 |
| CLEVELAND-ELYRIA, OH | 2 | $ 330,000 | $ 165,000 | $ 166,000 |
| EUGENE, OR | 2 | $ 160,000 | $ 80,000 | $ 0 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 2 | $ 450,000 | $ 225,000 | $ 77,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 2 | $ 560,000 | $ 280,000 | $ 184,000 |
| KANSAS CITY, MO-KS | 2 | $ 270,000 | $ 135,000 | $ 189,000 |
| KNOXVILLE, TN | 2 | $ 720,000 | $ 360,000 | $ 187,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2 | $ 1,160,000 | $ 580,000 | $ 235,000 |
| SPOKANE-SPOKANE VALLEY, WA | 2 | $ 250,000 | $ 125,000 | $ 303,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 1 | $ 175,000 | $ 175,000 | $ 0 |
| BIRMINGHAM-HOOVER, AL | 1 | $ 195,000 | $ 195,000 | $ 189,000 |
| BLOOMINGTON, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| CHARLESTON, WV | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
| CLEVELAND, TN | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| COLUMBIA, MO | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| DENVER-AURORA-LAKEWOOD, CO | 1 | $ 665,000 | $ 665,000 | $ 150,000 |
| FLAGSTAFF, AZ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 1 | $ 665,000 | $ 665,000 | $ 182,000 |
| JACKSONVILLE, FL | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| JOHNSON CITY, TN | 1 | $ 275,000 | $ 275,000 | $ 106,000 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| LYNCHBURG, VA | 1 | $ 775,000 | $ 775,000 | $ 281,000 |
| MERCED, CA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 2,275,000 | $ 2,275,000 | $ 396,000 |
| OLYMPIA-TUMWATER, WA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| PINE BLUFF, AR | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| PORT ST. LUCIE, FL | 1 | $ 1,125,000 | $ 1,125,000 | $ 3,441,000 |
| REDDING, CA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| SALINAS, CA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| SANTA CRUZ-WATSONVILLE, CA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| STOCKTON-LODI, CA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1 | $ 385,000 | $ 385,000 | $ 145,000 |
| TUCSON, AZ | 1 | $ 55,000 | $ 55,000 | $ 0 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 335,000 | $ 335,000 | $ 108,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| WATERTOWN-FORT DRUM, NY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 1 | $ 5,005,000 | $ 5,005,000 | $ 3,441,000 |
| YUBA CITY, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
Mortgage Loan Application Detail Totals for Orion Federal Credit Union in 2022
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 | 600 | $139,370,000 | $232,000 | $8,095,000 | $165,000 | $3,441,000 |
| Cash-out Refinancing | 162 | $91,570,000 | $565,000 | $30,005,000 | $120,000 | $729,000 |
| Refinancing | 68 | $21,580,000 | $317,000 | $9,505,000 | $141,000 | $1,287,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 287 | $119,255,000 | $415,000 | $30,005,000 | $0 | $0 |
| White | 236 | $66,350,000 | $281,000 | $5,005,000 | $170,000 | $3,441,000 |
| Black or African American | 136 | $28,710,000 | $211,000 | $705,000 | $101,000 | $334,000 |
| Not Provided | 81 | $17,895,000 | $220,000 | $1,035,000 | $134,000 | $729,000 |
| Hispanic | 43 | $6,985,000 | $162,000 | $875,000 | $137,000 | $615,000 |
| Asian | 34 | $9,710,000 | $285,000 | $2,065,000 | $237,000 | $1,287,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $965,000 | $137,000 | $195,000 | $265,000 | $965,000 |
| American Indian or Alaskan Native | 6 | $2,650,000 | $441,000 | $1,175,000 | $184,000 | $429,000 |
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) | 789 | $243,095,000 | $308,000 | $30,005,000 | $156,000 | $3,441,000 |
| FHA-insured (Federal Housing Administration) | 37 | $8,185,000 | $221,000 | $515,000 | $71,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,015,000 | $338,000 | $505,000 | $129,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $225,000 | $225,000 | $225,000 | $65,000 | $65,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 337 | $155,675,000 | $461,000 | $30,005,000 | $155,000 | $3,441,000 |
| Loan Purchased By The Institution | 282 | $37,420,000 | $132,000 | $365,000 | $0 | $0 |
| Application Withdrawn By Applicant | 163 | $38,495,000 | $236,000 | $2,275,000 | $135,000 | $1,287,000 |
| File Closed For Incompleteness | 24 | $3,530,000 | $147,000 | $325,000 | $100,000 | $262,000 |
| Application Denied By Financial Institution | 23 | $17,315,000 | $752,000 | $9,505,000 | $242,000 | $3,441,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $171,000 | $171,000 |
| 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 | 807 | $235,205,000 | $291,000 | $30,005,000 | $146,000 | $3,441,000 |
| Debt-To-Income Ratio | 9 | $11,095,000 | $1,232,000 | $9,505,000 | $45,000 | $192,000 |
| Credit History | 8 | $900,000 | $112,000 | $225,000 | $75,000 | $134,000 |
| Collateral | 2 | $90,000 | $45,000 | $45,000 | $55,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $215,000 | $111,000 | $165,000 |
| Other | 1 | $3,805,000 | $3,805,000 | $3,805,000 | $600,000 | $600,000 |
| Unverifiable Information | 1 | $1,125,000 | $1,125,000 | $1,125,000 | $3,441,000 | $3,441,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Orion Federal Credit Union's 2022 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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.