Notre Dame Federal Credit Union Mortgage Lending & HMDA Data, 2023

In 2023, Notre Dame Federal Credit Union of Notre Dame, IN reported 2,197 mortgage applications totaling $276.7 million, down 7% from 2022. The average application was for $125,933, and applicants reported an average income of $105,201. 66% of its applications resulted in an originated loan and 25% were denied. Its largest markets were South Bend-Mishawaka, IN-MI (1,368), Elkhart-Goshen, IN (219) and Phoenix-Mesa-Scottsdale, AZ (77) (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 2,197
Total Mortgage Loan Application Amount $276,675,000
Average Mortgage Loan Application Amount $125,933
Highest Mortgage Loan Application Amount $1,065,000
Average Applicant Income $105,201
Highest Applicant Income $3,055,000

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records Notre Dame Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

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 1,307 $ 147,185,000 $ 112,612 $ 101,000
Elkhart, Indiana 219 $ 26,685,000 $ 121,849 $ 89,000
Maricopa, Arizona 72 $ 15,250,000 $ 211,805 $ 148,000
Pima, Arizona 61 $ 7,785,000 $ 127,622 $ 102,000
Cass, Michigan 61 $ 9,465,000 $ 155,163 $ 108,000
Berrien, Michigan 50 $ 6,750,000 $ 135,000 $ 105,000
Lake, Indiana 41 $ 4,745,000 $ 115,731 $ 75,000
Cook, Illinois 32 $ 5,470,000 $ 170,937 $ 138,000
Marshall, Indiana 31 $ 3,795,000 $ 122,419 $ 73,000
LaPorte, Indiana 27 $ 2,315,000 $ 85,740 $ 91,000
Allen, Indiana 18 $ 2,700,000 $ 150,000 $ 52,000
Porter, Indiana 11 $ 1,405,000 $ 127,727 $ 94,000
Kosciusko, Indiana 8 $ 870,000 $ 108,750 $ 137,000
Hamilton, Indiana 7 $ 755,000 $ 107,857 $ 103,000
Ware, Georgia 6 $ 460,000 $ 76,666 $ 142,000
Marion, Indiana 6 $ 890,000 $ 148,333 $ 114,000
Pinal, Arizona 5 $ 815,000 $ 163,000 $ 71,000
Orange, California 5 $ 1,255,000 $ 251,000 $ 312,000
DuPage, Illinois 5 $ 1,335,000 $ 267,000 $ 209,000
Will, Illinois 5 $ 515,000 $ 103,000 $ 157,000
Ottawa, Michigan 5 $ 995,000 $ 199,000 $ 131,000
Highlands, Florida 4 $ 800,000 $ 200,000 $ 53,000
Hancock, Indiana 4 $ 540,000 $ 135,000 $ 80,000
Graham, Arizona 3 $ 635,000 $ 211,666 $ 83,000
Los Angeles, California 3 $ 385,000 $ 128,333 $ 170,000
Riverside, California 3 $ 415,000 $ 138,333 $ 70,000
Jefferson, Colorado 3 $ 625,000 $ 208,333 $ 204,000
Brevard, Florida 3 $ 425,000 $ 141,666 $ 135,000
DeKalb, Georgia 3 $ 215,000 $ 71,666 $ 108,000
Fulton, Indiana 3 $ 85,000 $ 28,333 $ 89,000
Allegan, Michigan 3 $ 195,000 $ 65,000 $ 72,000
Cuyahoga, Ohio 3 $ 255,000 $ 85,000 $ 89,000
Knox, Tennessee 3 $ 245,000 $ 81,666 $ 139,000
Collin, Texas 3 $ 325,000 $ 108,333 $ 139,000
Mohave, Arizona 2 $ 560,000 $ 280,000 $ 130,000
Yavapai, Arizona 2 $ 940,000 $ 470,000 $ 242,000
San Diego, California 2 $ 310,000 $ 155,000 $ 234,000
Arapahoe, Colorado 2 $ 620,000 $ 310,000 $ 231,000
Denver, Colorado 2 $ 1,440,000 $ 720,000 $ 312,000
La Plata, Colorado 2 $ 330,000 $ 165,000 $ 101,000
Hillsborough, Florida 2 $ 470,000 $ 235,000 $ 139,000
Palm Beach, Florida 2 $ 100,000 $ 50,000 $ 142,000
Polk, Florida 2 $ 500,000 $ 250,000 $ 84,000
Barrow, Georgia 2 $ 50,000 $ 25,000 $ 81,000
Wayne, Georgia 2 $ 80,000 $ 40,000 $ 94,000
Winnebago, Illinois 2 $ 170,000 $ 85,000 $ 107,000
Hendricks, Indiana 2 $ 110,000 $ 55,000 $ 207,000
Johnson, Indiana 2 $ 360,000 $ 180,000 $ 152,000
Madison, Indiana 2 $ 130,000 $ 65,000 $ 41,000
Noble, Indiana 2 $ 230,000 $ 115,000 $ 56,000
Orleans, Louisiana 2 $ 710,000 $ 355,000 $ 906,000
Montgomery, Maryland 2 $ 150,000 $ 75,000 $ 170,000
Calhoun, Michigan 2 $ 480,000 $ 240,000 $ 128,000
Genesee, Michigan 2 $ 120,000 $ 60,000 $ 78,000
Kalamazoo, Michigan 2 $ 180,000 $ 90,000 $ 41,000
Kent, Michigan 2 $ 280,000 $ 140,000 $ 124,000
St. Joseph, Michigan 2 $ 310,000 $ 155,000 $ 60,000
Flathead, Montana 2 $ 220,000 $ 110,000 $ 45,000
Somerset, New Jersey 2 $ 210,000 $ 105,000 $ 270,000
Los Alamos, New Mexico 2 $ 620,000 $ 310,000 $ 218,000
Durham, North Carolina 2 $ 90,000 $ 45,000 $ 83,000
Madison, Tennessee 2 $ 90,000 $ 45,000 $ 73,000
Shelby, Tennessee 2 $ 110,000 $ 55,000 $ 181,000
Dallas, Texas 2 $ 350,000 $ 175,000 $ 82,000
Fort Bend, Texas 2 $ 290,000 $ 145,000 $ 527,000
Tarrant, Texas 2 $ 270,000 $ 135,000 $ 215,000
Coconino, Arizona 1 $ 205,000 $ 205,000 $ 168,000
Gila, Arizona 1 $ 705,000 $ 705,000 $ 507,000
Navajo, Arizona 1 $ 125,000 $ 125,000 $ 124,000
Santa Cruz, Arizona 1 $ 135,000 $ 135,000 $ 111,000
Santa Clara, California 1 $ 465,000 $ 465,000 $ 319,000
Ventura, California 1 $ 85,000 $ 85,000 $ 123,000
Douglas, Colorado 1 $ 55,000 $ 55,000 $ 114,000
El Paso, Colorado 1 $ 315,000 $ 315,000 $ 73,000
Broward, Florida 1 $ 155,000 $ 155,000 $ 85,000
Charlotte, Florida 1 $ 15,000 $ 15,000 $ 89,000
Duval, Florida 1 $ 245,000 $ 245,000 $ 346,000
Lee, Florida 1 $ 715,000 $ 715,000 $ 124,000
Marion, Florida 1 $ 165,000 $ 165,000 $ 67,000
Martin, Florida 1 $ 25,000 $ 25,000 $ 5,000
Miami-Dade, Florida 1 $ 635,000 $ 635,000 $ 161,000
Okaloosa, Florida 1 $ 305,000 $ 305,000 $ 192,000
Orange, Florida 1 $ 215,000 $ 215,000 $ 59,000
Pinellas, Florida 1 $ 395,000 $ 395,000 $ 316,000
Putnam, Florida 1 $ 25,000 $ 25,000 $ 87,000
Sumter, Florida 1 $ 305,000 $ 305,000 $ 97,000
Bulloch, Georgia 1 $ 205,000 $ 205,000 $ 58,000
Chatham, Georgia 1 $ 175,000 $ 175,000 $ 113,000
Cherokee, Georgia 1 $ 465,000 $ 465,000 $ 133,000
Cobb, Georgia 1 $ 405,000 $ 405,000 $ 342,000
Coffee, Georgia 1 $ 255,000 $ 255,000 $ 92,000
Fulton, Georgia 1 $ 75,000 $ 75,000 $ 200,000
Glynn, Georgia 1 $ 45,000 $ 45,000 $ 76,000
Pierce, Georgia 1 $ 15,000 $ 15,000 $ 60,000
Wilcox, Georgia 1 $ 275,000 $ 275,000 $ 60,000
Boone, Illinois 1 $ 125,000 $ 125,000 $ 41,000
Kankakee, Illinois 1 $ 85,000 $ 85,000 $ 42,000
Lake, Illinois 1 $ 35,000 $ 35,000 $ 129,000
Washington, Illinois 1 $ 55,000 $ 55,000 $ 109,000
Bartholomew, Indiana 1 $ 265,000 $ 265,000 $ 122,000
Boone, Indiana 1 $ 635,000 $ 635,000 $ 258,000
Cass, Indiana 1 $ 75,000 $ 75,000 $ 41,000
Clark, Indiana 1 $ 315,000 $ 315,000 $ 128,000
Daviess, Indiana 1 $ 235,000 $ 235,000 $ 80,000
DeKalb, Indiana 1 $ 85,000 $ 85,000 $ 34,000
Dubois, Indiana 1 $ 305,000 $ 305,000 $ 110,000
Gibson, Indiana 1 $ 45,000 $ 45,000 $ 46,000
Grant, Indiana 1 $ 65,000 $ 65,000 $ 230,000
Howard, Indiana 1 $ 35,000 $ 35,000 $ 238,000
Huntington, Indiana 1 $ 255,000 $ 255,000 $ 104,000
LaGrange, Indiana 1 $ 105,000 $ 105,000 $ 58,000
Miami, Indiana 1 $ 85,000 $ 85,000 $ 65,000
Starke, Indiana 1 $ 185,000 $ 185,000 $ 47,000
Vigo, Indiana 1 $ 75,000 $ 75,000 $ 205,000
Wabash, Indiana 1 $ 175,000 $ 175,000 $ 58,000
Decatur, Iowa 1 $ 65,000 $ 65,000 $ 51,000
Johnson, Kansas 1 $ 55,000 $ 55,000 $ 154,000
Fayette, Kentucky 1 $ 65,000 $ 65,000 $ 145,000
Caddo, Louisiana 1 $ 75,000 $ 75,000 $ 139,000
Cumberland, Maine 1 $ 265,000 $ 265,000 $ 135,000
Kennebec, Maine 1 $ 45,000 $ 45,000 $ 79,000
Carroll, Maryland 1 $ 55,000 $ 55,000 $ 24,000
Bristol, Massachusetts 1 $ 85,000 $ 85,000 $ 167,000
Worcester, Massachusetts 1 $ 205,000 $ 205,000 $ 0
Crawford, Michigan 1 $ 55,000 $ 55,000 $ 99,000
Eaton, Michigan 1 $ 25,000 $ 25,000 $ 218,000
Gladwin, Michigan 1 $ 25,000 $ 25,000 $ 18,000
Livingston, Michigan 1 $ 75,000 $ 75,000 $ 121,000
Manistee, Michigan 1 $ 175,000 $ 175,000 $ 124,000
Muskegon, Michigan 1 $ 105,000 $ 105,000 $ 92,000
Osceola, Michigan 1 $ 105,000 $ 105,000 $ 125,000
Presque Isle, Michigan 1 $ 185,000 $ 185,000 $ 130,000
St. Clair, Michigan 1 $ 185,000 $ 185,000 $ 196,000
Tuscola, Michigan 1 $ 145,000 $ 145,000 $ 48,000
Van Buren, Michigan 1 $ 105,000 $ 105,000 $ 39,000
Hennepin, Minnesota 1 $ 105,000 $ 105,000 $ 164,000
Tishomingo, Mississippi 1 $ 125,000 $ 125,000 $ 78,000
Boone, Missouri 1 $ 15,000 $ 15,000 $ 42,000
Clay, Missouri 1 $ 105,000 $ 105,000 $ 23,000
Lancaster, Nebraska 1 $ 205,000 $ 205,000 $ 74,000
Morris, New Jersey 1 $ 205,000 $ 205,000 $ 94,000
Luna, New Mexico 1 $ 65,000 $ 65,000 $ 116,000
Westchester, New York 1 $ 105,000 $ 105,000 $ 142,000
Buncombe, North Carolina 1 $ 255,000 $ 255,000 $ 126,000
Davidson, North Carolina 1 $ 25,000 $ 25,000 $ 120,000
Mecklenburg, North Carolina 1 $ 125,000 $ 125,000 $ 333,000
Union, North Carolina 1 $ 125,000 $ 125,000 $ 169,000
Watauga, North Carolina 1 $ 215,000 $ 215,000 $ 64,000
Franklin, Ohio 1 $ 215,000 $ 215,000 $ 153,000
Preble, Ohio 1 $ 65,000 $ 65,000 $ 72,000
Summit, Ohio 1 $ 175,000 $ 175,000 $ 265,000
Union, Ohio 1 $ 25,000 $ 25,000 $ 86,000
Tulsa, Oklahoma 1 $ 665,000 $ 665,000 $ 220,000
Multnomah, Oregon 1 $ 475,000 $ 475,000 $ 101,000
Allegheny, Pennsylvania 1 $ 225,000 $ 225,000 $ 300,000
Philadelphia, Pennsylvania 1 $ 55,000 $ 55,000 $ 110,000
Berkeley, South Carolina 1 $ 55,000 $ 55,000 $ 55,000
Spartanburg, South Carolina 1 $ 35,000 $ 35,000 $ 116,000
Davidson, Tennessee 1 $ 45,000 $ 45,000 $ 41,000
Sullivan, Tennessee 1 $ 315,000 $ 315,000 $ 101,000
Williamson, Tennessee 1 $ 125,000 $ 125,000 $ 240,000
Wilson, Tennessee 1 $ 105,000 $ 105,000 $ 149,000
Denton, Texas 1 $ 315,000 $ 315,000 $ 242,000
Guadalupe, Texas 1 $ 75,000 $ 75,000 $ 361,000
Kaufman, Texas 1 $ 45,000 $ 45,000 $ 88,000
Lubbock, Texas 1 $ 45,000 $ 45,000 $ 106,000
Williamson, Texas 1 $ 65,000 $ 65,000 $ 160,000
Chesterfield, Virginia 1 $ 305,000 $ 305,000 $ 110,000
Fairfax, Virginia 1 $ 75,000 $ 75,000 $ 275,000
Prince William, Virginia 1 $ 75,000 $ 75,000 $ 16,000
Adams, Washington 1 $ 55,000 $ 55,000 $ 122,000
Grant, Washington 1 $ 325,000 $ 325,000 $ 95,000
Spokane, Washington 1 $ 585,000 $ 585,000 $ 150,000
Waukesha, Wisconsin 1 $ 215,000 $ 215,000 $ 274,000
Winnebago, Wisconsin 1 $ 25,000 $ 25,000 $ 89,000

Mortgage Loan Application Detail Totals for Notre Dame Federal Credit Union in 2023

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 571 $131,385,000 $230,000 $1,065,000 $112,000 $1,704,000
Other Purpose 497 $41,095,000 $82,000 $1,005,000 $95,000 $1,185,000
Home Improvement 484 $41,950,000 $86,000 $765,000 $110,000 $779,000
Cash-out Refinancing 411 $35,195,000 $85,000 $725,000 $98,000 $2,537,000
Refinancing 234 $27,050,000 $115,000 $905,000 $113,000 $3,055,000
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 1,356 $183,480,000 $135,000 $1,065,000 $114,000 $2,537,000
Hispanic 397 $46,555,000 $117,000 $635,000 $73,000 $517,000
Not Provided 302 $29,230,000 $96,000 $905,000 $107,000 $3,055,000
Black or African American 107 $11,245,000 $105,000 $715,000 $111,000 $1,185,000
Asian 23 $5,005,000 $217,000 $745,000 $117,000 $359,000
American Indian or Alaskan Native 9 $835,000 $92,000 $215,000 $147,000 $367,000
Not applicable 2 $280,000 $140,000 $225,000 $0 $0
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $76,000 $76,000

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) 2,144 $266,310,000 $124,000 $1,065,000 $106,000 $3,055,000
FHA-insured (Federal Housing Administration) 53 $10,365,000 $195,000 $415,000 $69,000 $156,000
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 1,453 $201,855,000 $138,000 $1,065,000 $112,000 $3,055,000
Application Denied By Financial Institution 539 $44,505,000 $82,000 $585,000 $90,000 $1,185,000
Application Approved But Not Accepted 104 $8,980,000 $86,000 $655,000 $98,000 $370,000
Application Withdrawn By Applicant 101 $21,335,000 $211,000 $745,000 $105,000 $474,000
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 1,658 $232,170,000 $140,000 $1,065,000 $111,000 $3,055,000
Unverifiable Information 276 $24,160,000 $87,000 $585,000 $95,000 $880,000
Credit History 109 $7,365,000 $67,000 $505,000 $82,000 $359,000
Collateral 69 $4,825,000 $69,000 $465,000 $96,000 $1,185,000
Debt-To-Income Ratio 63 $5,965,000 $94,000 $525,000 $68,000 $310,000
Employment History 14 $1,150,000 $82,000 $245,000 $130,000 $835,000
Credit Application Incomplete 5 $635,000 $127,000 $145,000 $83,000 $128,000
Insufficient Cash (Downpayment, Closing Cost) 2 $330,000 $165,000 $205,000 $36,000 $53,000
Other 1 $75,000 $75,000 $75,000 $37,000 $37,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Notre Dame Federal Credit Union's 2023 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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