Andigo Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Andigo Credit Union of Schaumburg, IL reported 521 mortgage applications totaling $128.8 million, up 2% from 2018. The average application was for $247,245, and applicants reported an average income of $134,067. 58% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Chicago-Naperville, IL (225), Elgin, IL (36) and Lake County-Kenosha County, IL-WI (31) (applications in parentheses).
| Mortgage Company & Address | Andigo Credit Union 1501 E Woodfield Rd Schaumburg, IL 60173 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 521 |
| Total Mortgage Loan Application Amount | $128,815,000 |
| Average Mortgage Loan Application Amount | $247,245 |
| Highest Mortgage Loan Application Amount | $2,355,000 |
| Average Applicant Income | $134,067 |
| Highest Applicant Income | $516,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Andigo Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville, IL | 225 | $ 54,575,000 | $ 242,555 | $ 132,000 |
| Elgin, IL | 36 | $ 6,740,000 | $ 187,222 | $ 118,000 |
| Lake County-Kenosha County, IL-WI | 31 | $ 7,915,000 | $ 255,322 | $ 152,483 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 20 | $ 4,860,000 | $ 243,000 | $ 135,000 |
| Fort Worth-Arlington, TX | 19 | $ 2,895,000 | $ 152,368 | $ 102,000 |
| Outside any metro area | 18 | $ 3,050,000 | $ 169,444 | $ 130,777 |
| Atlanta-Sandy Springs-Roswell, GA | 16 | $ 4,210,000 | $ 263,125 | $ 149,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 16 | $ 2,910,000 | $ 181,875 | $ 107,000 |
| Dallas-Plano-Irving, TX | 14 | $ 5,460,000 | $ 390,000 | $ 141,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 2,925,000 | $ 325,000 | $ 128,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,430,000 | $ 238,333 | $ 152,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 3,570,000 | $ 595,000 | $ 229,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,095,000 | $ 219,000 | $ 100,000 |
| New York-Newark, NY | 4 | $ 1,640,000 | $ 410,000 | $ 142,000 |
| Rockford, IL | 4 | $ 730,000 | $ 182,500 | $ 99,000 |
| San Antonio-New Braunfels, TX | 4 | $ 920,000 | $ 230,000 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,000,000 | $ 250,000 | $ 127,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,830,000 | $ 457,500 | $ 168,500 |
| Austin-Round Rock, TX | 3 | $ 1,285,000 | $ 428,333 | $ 113,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 635,000 | $ 211,666 | $ 103,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 935,000 | $ 311,666 | $ 197,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,375,000 | $ 458,333 | $ 227,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 570,000 | $ 285,000 | $ 172,000 |
| Gary, IN | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Jacksonville, FL | 2 | $ 200,000 | $ 100,000 | $ 87,000 |
| Kankakee, IL | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 900,000 | $ 450,000 | $ 178,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 320,000 | $ 160,000 | $ 102,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 680,000 | $ 340,000 | $ 140,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,160,000 | $ 580,000 | $ 162,000 |
| Port St. Lucie, FL | 2 | $ 320,000 | $ 160,000 | $ 159,000 |
| Reno, NV | 2 | $ 850,000 | $ 425,000 | $ 157,000 |
| Stockton-Lodi, CA | 2 | $ 520,000 | $ 260,000 | $ 202,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 140,000 | $ 70,000 | $ 140,000 |
| Asheville, NC | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Barnstable Town, MA | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Boulder, CO | 1 | $ 545,000 | $ 545,000 | $ 146,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 255,000 | $ 255,000 | $ 182,000 |
| Champaign-Urbana, IL | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Coeur D'Alene, ID | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Columbus, OH | 1 | $ 355,000 | $ 355,000 | $ 97,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Des Moines-West Des Moines, IA | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Duluth, MN-WI | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Durham-Chapel Hill, NC | 1 | $ 585,000 | $ 585,000 | $ 410,000 |
| Flint, MI | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Gainesville, GA | 1 | $ 95,000 | $ 95,000 | $ 210,000 |
| Greensboro-High Point, NC | 1 | $ 215,000 | $ 215,000 | $ 137,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 115,000 | $ 115,000 | $ 117,000 |
| Kalamazoo-Portage, MI | 1 | $ 475,000 | $ 475,000 | $ 195,000 |
| Knoxville, TN | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Lansing-East Lansing, MI | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Lynchburg, VA | 1 | $ 145,000 | $ 145,000 | $ 123,000 |
| Monroe, LA | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
| Nassau County-Suffolk County, NY | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Ogden-Clearfield, UT | 1 | $ 405,000 | $ 405,000 | $ 84,000 |
| Oshkosh-Neenah, WI | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 355,000 | $ 355,000 | $ 206,000 |
| Provo-Orem, UT | 1 | $ 685,000 | $ 685,000 | $ 278,000 |
| Racine, WI | 1 | $ 505,000 | $ 505,000 | $ 221,000 |
| Richmond, VA | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| San Diego-Carlsbad, CA | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 705,000 | $ 705,000 | $ 273,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 675,000 | $ 675,000 | $ 145,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 565,000 | $ 565,000 | $ 98,000 |
| Savannah, GA | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| St. Louis, MO-IL | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Tucson, AZ | 1 | $ 245,000 | $ 245,000 | $ 123,000 |
| Valdosta, GA | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Warner Robins, GA | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Wausau, WI | 1 | $ 55,000 | $ 55,000 | $ 516,000 |
| York-Hanover, PA | 1 | $ 35,000 | $ 35,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Andigo Credit Union in 2019
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 | 188 | $61,780,000 | $328,000 | $2,355,000 | $136,000 | $465,000 |
| Other Purpose | 105 | $15,245,000 | $145,000 | $765,000 | $120,000 | $313,000 |
| Cash-out Refinancing | 93 | $24,305,000 | $261,000 | $1,005,000 | $142,000 | $464,000 |
| Refinancing | 91 | $23,895,000 | $262,000 | $775,000 | $145,000 | $430,000 |
| Home Improvement | 44 | $3,590,000 | $81,000 | $325,000 | $120,000 | $516,000 |
| 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 | 263 | $59,535,000 | $226,000 | $1,425,000 | $137,000 | $465,000 |
| Not Provided | 76 | $17,200,000 | $226,000 | $885,000 | $138,000 | $516,000 |
| Hispanic | 63 | $12,805,000 | $203,000 | $525,000 | $112,000 | $380,000 |
| Asian | 54 | $20,400,000 | $377,000 | $805,000 | $160,000 | $430,000 |
| Black or African American | 34 | $6,660,000 | $195,000 | $545,000 | $90,000 | $173,000 |
| Not applicable | 8 | $5,300,000 | $662,000 | $2,355,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $430,000 | $215,000 | $225,000 | $112,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $475,000 | $475,000 | $475,000 | $124,000 | $124,000 |
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) | 511 | $126,315,000 | $247,000 | $2,355,000 | $134,000 | $516,000 |
| FHA-insured (Federal Housing Administration) | 10 | $2,500,000 | $250,000 | $405,000 | $98,000 | $154,000 |
| 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 | 300 | $80,640,000 | $268,000 | $2,355,000 | $144,000 | $465,000 |
| Application Denied By Financial Institution | 84 | $15,720,000 | $187,000 | $655,000 | $91,000 | $288,000 |
| Application Withdrawn By Applicant | 75 | $16,785,000 | $223,000 | $1,005,000 | $131,000 | $516,000 |
| Application Approved But Not Accepted | 37 | $8,875,000 | $239,000 | $805,000 | $154,000 | $430,000 |
| File Closed For Incompleteness | 25 | $6,795,000 | $271,000 | $655,000 | $127,000 | $333,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 437 | $113,095,000 | $258,000 | $2,355,000 | $141,000 | $516,000 |
| Credit History | 34 | $3,770,000 | $110,000 | $355,000 | $75,000 | $155,000 |
| Debt-To-Income Ratio | 21 | $6,025,000 | $286,000 | $655,000 | $87,000 | $288,000 |
| Other | 9 | $1,205,000 | $133,000 | $345,000 | $97,000 | $210,000 |
| Collateral | 8 | $2,320,000 | $290,000 | $565,000 | $151,000 | $202,000 |
| Credit Application Incomplete | 8 | $1,740,000 | $217,000 | $475,000 | $118,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $635,000 | $211,000 | $345,000 | $78,000 | $121,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $161,000 | $161,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Andigo Credit Union's 2019 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 Andigo 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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