Notre Dame Federal Credit Union Mortgage Lending & HMDA Data, 2020

In 2020, Notre Dame Federal Credit Union of Notre Dame, IN reported 2,076 mortgage applications totaling $395.6 million, up 104% from 2019. The average application was for $190,553, and applicants reported an average income of $103,419. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were South Bend-Mishawaka, IN-MI (1,455), Elkhart-Goshen, IN (177) and Niles-Benton Harbor, MI (59) (applications in parentheses).

Mortgage Company & Address Notre Dame Federal Credit Union
P.O. Box 7878
Notre Dame, IN 46556
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,076
Total Mortgage Loan Application Amount $395,590,000
Average Mortgage Loan Application Amount $190,553
Highest Mortgage Loan Application Amount $3,245,000
Average Applicant Income $103,419
Highest Applicant Income $1,371,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Notre Dame Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Notre Dame Federal Credit Union by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
St. Joseph, Indiana 1,382 $ 227,090,000 $ 164,319 $ 94,000
Elkhart, Indiana 177 $ 32,845,000 $ 185,564 $ 83,000
Cass, Michigan 73 $ 16,415,000 $ 224,863 $ 109,000
Berrien, Michigan 59 $ 9,635,000 $ 163,305 $ 89,000
Marshall, Indiana 27 $ 4,605,000 $ 170,555 $ 80,000
Maricopa, Arizona 23 $ 10,395,000 $ 451,956 $ 180,000
Cook, Illinois 22 $ 7,620,000 $ 346,363 $ 174,000
Lake, Indiana 20 $ 4,530,000 $ 226,500 $ 114,000
LaPorte, Indiana 20 $ 3,070,000 $ 153,500 $ 142,000
Kosciusko, Indiana 19 $ 3,535,000 $ 186,052 $ 118,000
Marion, Indiana 19 $ 3,625,000 $ 190,789 $ 121,000
Hamilton, Indiana 15 $ 5,155,000 $ 343,666 $ 277,000
Allen, Indiana 9 $ 1,165,000 $ 129,444 $ 50,000
Porter, Indiana 6 $ 1,530,000 $ 255,000 $ 96,000
Van Buren, Michigan 6 $ 1,330,000 $ 221,666 $ 198,000
Los Angeles, California 4 $ 3,930,000 $ 982,500 $ 428,000
San Diego, California 4 $ 1,940,000 $ 485,000 $ 176,000
Collier, Florida 3 $ 655,000 $ 218,333 $ 173,000
Cobb, Georgia 3 $ 765,000 $ 255,000 $ 222,000
DuPage, Illinois 3 $ 905,000 $ 301,666 $ 181,000
Hendricks, Indiana 3 $ 685,000 $ 228,333 $ 152,000
Johnson, Indiana 3 $ 425,000 $ 141,666 $ 79,000
Kalamazoo, Michigan 3 $ 485,000 $ 161,666 $ 81,000
Cuyahoga, Ohio 3 $ 665,000 $ 221,666 $ 74,000
Summit, Utah 3 $ 4,035,000 $ 1,345,000 $ 349,000
Milwaukee, Wisconsin 3 $ 345,000 $ 115,000 $ 119,000
Pima, Arizona 2 $ 960,000 $ 480,000 $ 369,000
Orange, California 2 $ 1,090,000 $ 545,000 $ 136,000
Charlotte, Florida 2 $ 350,000 $ 175,000 $ 95,000
Lee, Florida 2 $ 880,000 $ 440,000 $ 404,000
DeKalb, Georgia 2 $ 890,000 $ 445,000 $ 167,000
LaGrange, Indiana 2 $ 210,000 $ 105,000 $ 66,000
Monroe, Indiana 2 $ 460,000 $ 230,000 $ 90,000
Montgomery, Maryland 2 $ 870,000 $ 435,000 $ 172,000
Middlesex, Massachusetts 2 $ 1,370,000 $ 685,000 $ 204,000
Suffolk, Massachusetts 2 $ 670,000 $ 335,000 $ 155,000
Allegan, Michigan 2 $ 320,000 $ 160,000 $ 120,000
Ottawa, Michigan 2 $ 460,000 $ 230,000 $ 78,000
Hennepin, Minnesota 2 $ 660,000 $ 330,000 $ 175,000
Kings, New York 2 $ 770,000 $ 385,000 $ 196,000
Butler, Ohio 2 $ 290,000 $ 145,000 $ 57,000
Franklin, Ohio 2 $ 430,000 $ 215,000 $ 136,000
Philadelphia, Pennsylvania 2 $ 760,000 $ 380,000 $ 107,000
Dallas, Texas 2 $ 350,000 $ 175,000 $ 97,000
Door, Wisconsin 2 $ 480,000 $ 240,000 $ 142,000
Waukesha, Wisconsin 2 $ 510,000 $ 255,000 $ 106,000
Baldwin, Alabama 1 $ 275,000 $ 275,000 $ 102,000
Gila, Arizona 1 $ 215,000 $ 215,000 $ 0
Navajo, Arizona 1 $ 225,000 $ 225,000 $ 99,000
Riverside, California 1 $ 485,000 $ 485,000 $ 378,000
Sacramento, California 1 $ 255,000 $ 255,000 $ 54,000
Santa Clara, California 1 $ 585,000 $ 585,000 $ 262,000
Ventura, California 1 $ 705,000 $ 705,000 $ 198,000
Boulder, Colorado 1 $ 545,000 $ 545,000 $ 129,000
Denver, Colorado 1 $ 265,000 $ 265,000 $ 227,000
Douglas, Colorado 1 $ 1,115,000 $ 1,115,000 $ 595,000
El Paso, Colorado 1 $ 355,000 $ 355,000 $ 155,000
Jefferson, Colorado 1 $ 755,000 $ 755,000 $ 668,000
Teller, Colorado 1 $ 375,000 $ 375,000 $ 111,000
Hartford, Connecticut 1 $ 355,000 $ 355,000 $ 254,000
Middlesex, Connecticut 1 $ 285,000 $ 285,000 $ 550,000
New Haven, Connecticut 1 $ 425,000 $ 425,000 $ 472,000
Broward, Florida 1 $ 585,000 $ 585,000 $ 153,000
Escambia, Florida 1 $ 115,000 $ 115,000 $ 228,000
Indian River, Florida 1 $ 225,000 $ 225,000 $ 200,000
Marion, Florida 1 $ 165,000 $ 165,000 $ 107,000
Miami-Dade, Florida 1 $ 255,000 $ 255,000 $ 68,000
Monroe, Florida 1 $ 365,000 $ 365,000 $ 73,000
Osceola, Florida 1 $ 65,000 $ 65,000 $ 83,000
Polk, Florida 1 $ 175,000 $ 175,000 $ 91,000
Sarasota, Florida 1 $ 55,000 $ 55,000 $ 96,000
Walton, Florida 1 $ 685,000 $ 685,000 $ 250,000
Carroll, Georgia 1 $ 225,000 $ 225,000 $ 109,000
Chatham, Georgia 1 $ 315,000 $ 315,000 $ 196,000
Fayette, Georgia 1 $ 245,000 $ 245,000 $ 218,000
Forsyth, Georgia 1 $ 245,000 $ 245,000 $ 134,000
Henry, Georgia 1 $ 255,000 $ 255,000 $ 179,000
Lake, Illinois 1 $ 485,000 $ 485,000 $ 664,000
Will, Illinois 1 $ 215,000 $ 215,000 $ 76,000
Adams, Indiana 1 $ 125,000 $ 125,000 $ 159,000
Boone, Indiana 1 $ 195,000 $ 195,000 $ 94,000
Dearborn, Indiana 1 $ 115,000 $ 115,000 $ 147,000
DeKalb, Indiana 1 $ 25,000 $ 25,000 $ 27,000
Delaware, Indiana 1 $ 155,000 $ 155,000 $ 70,000
Dubois, Indiana 1 $ 155,000 $ 155,000 $ 96,000
Howard, Indiana 1 $ 185,000 $ 185,000 $ 56,000
Lawrence, Indiana 1 $ 85,000 $ 85,000 $ 48,000
Newton, Indiana 1 $ 105,000 $ 105,000 $ 84,000
Steuben, Indiana 1 $ 215,000 $ 215,000 $ 128,000
Tippecanoe, Indiana 1 $ 215,000 $ 215,000 $ 101,000
Vigo, Indiana 1 $ 235,000 $ 235,000 $ 91,000
Campbell, Kentucky 1 $ 165,000 $ 165,000 $ 100,000
Warren, Kentucky 1 $ 465,000 $ 465,000 $ 583,000
Caddo, Louisiana 1 $ 105,000 $ 105,000 $ 80,000
Anne Arundel, Maryland 1 $ 705,000 $ 705,000 $ 276,000
Caroline, Maryland 1 $ 285,000 $ 285,000 $ 86,000
Carroll, Maryland 1 $ 625,000 $ 625,000 $ 249,000
Bristol, Massachusetts 1 $ 195,000 $ 195,000 $ 45,000
Branch, Michigan 1 $ 105,000 $ 105,000 $ 35,000
Calhoun, Michigan 1 $ 215,000 $ 215,000 $ 76,000
Chippewa, Michigan 1 $ 55,000 $ 55,000 $ 86,000
Crawford, Michigan 1 $ 135,000 $ 135,000 $ 81,000
Eaton, Michigan 1 $ 65,000 $ 65,000 $ 54,000
Grand Traverse, Michigan 1 $ 335,000 $ 335,000 $ 180,000
Ingham, Michigan 1 $ 75,000 $ 75,000 $ 75,000
Kent, Michigan 1 $ 225,000 $ 225,000 $ 115,000
Leelanau, Michigan 1 $ 345,000 $ 345,000 $ 108,000
Missaukee, Michigan 1 $ 235,000 $ 235,000 $ 398,000
St. Joseph, Michigan 1 $ 525,000 $ 525,000 $ 287,000
Tuscola, Michigan 1 $ 85,000 $ 85,000 $ 75,000
Ramsey, Minnesota 1 $ 285,000 $ 285,000 $ 57,000
Washington, Minnesota 1 $ 515,000 $ 515,000 $ 346,000
Flathead, Montana 1 $ 265,000 $ 265,000 $ 110,000
Lewis and Clark, Montana 1 $ 195,000 $ 195,000 $ 60,000
Clark, Nevada 1 $ 365,000 $ 365,000 $ 197,000
Camden, New Jersey 1 $ 225,000 $ 225,000 $ 97,000
Delaware, New York 1 $ 145,000 $ 145,000 $ 227,000
Dutchess, New York 1 $ 195,000 $ 195,000 $ 80,000
Onondaga, New York 1 $ 235,000 $ 235,000 $ 201,000
Buncombe, North Carolina 1 $ 185,000 $ 185,000 $ 59,000
Craven, North Carolina 1 $ 105,000 $ 105,000 $ 42,000
Durham, North Carolina 1 $ 365,000 $ 365,000 $ 123,000
Mecklenburg, North Carolina 1 $ 415,000 $ 415,000 $ 189,000
Hamilton, Ohio 1 $ 155,000 $ 155,000 $ 110,000
Ottawa, Ohio 1 $ 585,000 $ 585,000 $ 404,000
Warren, Ohio 1 $ 355,000 $ 355,000 $ 154,000
Clackamas, Oregon 1 $ 435,000 $ 435,000 $ 194,000
Multnomah, Oregon 1 $ 895,000 $ 895,000 $ 299,000
Washington, Oregon 1 $ 275,000 $ 275,000 $ 118,000
Adams, Pennsylvania 1 $ 175,000 $ 175,000 $ 89,000
Chester, Pennsylvania 1 $ 295,000 $ 295,000 $ 132,000
Lackawanna, Pennsylvania 1 $ 215,000 $ 215,000 $ 86,000
Lehigh, Pennsylvania 1 $ 115,000 $ 115,000 $ 114,000
Northampton, Pennsylvania 1 $ 245,000 $ 245,000 $ 112,000
Westmoreland, Pennsylvania 1 $ 175,000 $ 175,000 $ 95,000
Providence, Rhode Island 1 $ 295,000 $ 295,000 $ 77,000
Berkeley, South Carolina 1 $ 235,000 $ 235,000 $ 69,000
Charleston, South Carolina 1 $ 475,000 $ 475,000 $ 266,000
Horry, South Carolina 1 $ 205,000 $ 205,000 $ 43,000
Lexington, South Carolina 1 $ 145,000 $ 145,000 $ 89,000
Williamsburg, South Carolina 1 $ 75,000 $ 75,000 $ 20,000
Davidson, Tennessee 1 $ 205,000 $ 205,000 $ 77,000
Jefferson, Tennessee 1 $ 315,000 $ 315,000 $ 125,000
Loudon, Tennessee 1 $ 195,000 $ 195,000 $ 68,000
Monroe, Tennessee 1 $ 55,000 $ 55,000 $ 60,000
Shelby, Tennessee 1 $ 135,000 $ 135,000 $ 43,000
Williamson, Tennessee 1 $ 145,000 $ 145,000 $ 41,000
Wilson, Tennessee 1 $ 215,000 $ 215,000 $ 101,000
Austin, Texas 1 $ 155,000 $ 155,000 $ 47,000
Brazos, Texas 1 $ 175,000 $ 175,000 $ 145,000
Collin, Texas 1 $ 605,000 $ 605,000 $ 276,000
Fort Bend, Texas 1 $ 295,000 $ 295,000 $ 72,000
Galveston, Texas 1 $ 165,000 $ 165,000 $ 110,000
Hays, Texas 1 $ 175,000 $ 175,000 $ 98,000
Kaufman, Texas 1 $ 245,000 $ 245,000 $ 152,000
Montgomery, Texas 1 $ 245,000 $ 245,000 $ 211,000
Tarrant, Texas 1 $ 205,000 $ 205,000 $ 60,000
Utah, Utah 1 $ 215,000 $ 215,000 $ 233,000
Arlington, Virginia 1 $ 755,000 $ 755,000 $ 363,000
Botetourt, Virginia 1 $ 225,000 $ 225,000 $ 127,000
Charlottesville, Virginia 1 $ 215,000 $ 215,000 $ 146,000
Fairfax, Virginia 1 $ 395,000 $ 395,000 $ 152,000
Richmond City, Virginia 1 $ 1,005,000 $ 1,005,000 $ 325,000
Stafford, Virginia 1 $ 335,000 $ 335,000 $ 114,000
Whatcom, Washington 1 $ 225,000 $ 225,000 $ 89,000
Crawford, Wisconsin 1 $ 185,000 $ 185,000 $ 78,000
Dane, Wisconsin 1 $ 215,000 $ 215,000 $ 89,000

Mortgage Loan Application Detail Totals for Notre Dame Federal Credit Union in 2020

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 993 $186,345,000 $187,000 $1,105,000 $108,000 $1,364,000
Home Purchase 574 $118,160,000 $205,000 $2,655,000 $97,000 $1,371,000
Cash-out Refinancing 388 $73,090,000 $188,000 $3,245,000 $106,000 $719,000
Home Improvement 121 $17,995,000 $148,000 $905,000 $88,000 $354,000
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
White 1,636 $318,190,000 $194,000 $3,245,000 $107,000 $1,371,000
Hispanic 196 $26,390,000 $134,000 $585,000 $60,000 $384,000
Not Provided 130 $27,480,000 $211,000 $1,115,000 $128,000 $750,000
Black or African American 72 $13,350,000 $185,000 $615,000 $99,000 $432,000
Asian 29 $7,655,000 $263,000 $635,000 $129,000 $400,000
American Indian or Alaskan Native 4 $750,000 $187,000 $455,000 $121,000 $290,000
Native Hawaiian or Other Pacific Islander 3 $355,000 $118,000 $135,000 $45,000 $51,000
Not applicable 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) 2,039 $390,335,000 $191,000 $3,245,000 $105,000 $1,371,000
FHA-insured (Federal Housing Administration) 37 $5,255,000 $142,000 $355,000 $58,000 $210,000
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 1,711 $326,675,000 $190,000 $3,245,000 $105,000 $1,371,000
Application Withdrawn By Applicant 244 $51,120,000 $209,000 $1,105,000 $110,000 $664,000
Application Denied By Financial Institution 115 $16,575,000 $144,000 $825,000 $66,000 $277,000
Application Approved But Not Accepted 6 $1,220,000 $203,000 $405,000 $109,000 $248,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 1,961 $379,015,000 $193,000 $3,245,000 $106,000 $1,371,000
Credit History 37 $5,385,000 $145,000 $405,000 $67,000 $180,000
Debt-To-Income Ratio 32 $5,140,000 $160,000 $825,000 $42,000 $235,000
Credit Application Incomplete 32 $4,200,000 $131,000 $405,000 $84,000 $277,000
Collateral 7 $965,000 $137,000 $235,000 $80,000 $227,000
Other 3 $335,000 $111,000 $135,000 $54,000 $57,000
Employment History 2 $230,000 $115,000 $145,000 $42,000 $56,000
Insufficient Cash (Downpayment, Closing Cost) 2 $320,000 $160,000 $185,000 $140,000 $225,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Notre Dame Federal Credit Union's 2020 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 Notre Dame 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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