Notre Dame Federal Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Notre Dame Federal Credit Union of Notre Dame, IN reported 2,819 mortgage applications totaling $438.4 million, up 36% from 2020. The average application was for $155,528, and applicants reported an average income of $80,972. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were South Bend-Mishawaka, IN-MI (1,949), Elkhart-Goshen, IN (242) and Niles-Benton Harbor, MI (99) (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 | 2,819 |
| Total Mortgage Loan Application Amount | $438,435,000 |
| Average Mortgage Loan Application Amount | $155,528 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $80,972 |
| Highest Applicant Income | $2,112,000 |
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records Notre Dame Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| South Bend-Mishawaka, IN-MI | 1,949 | $ 262,325,000 | $ 134,594 | $ 74,219 |
| Elkhart-Goshen, IN | 242 | $ 33,460,000 | $ 138,264 | $ 62,000 |
| Outside any metro area | 100 | $ 15,260,000 | $ 152,600 | $ 78,440 |
| Niles-Benton Harbor, MI | 99 | $ 15,755,000 | $ 159,141 | $ 98,000 |
| Phoenix-Mesa-Scottsdale, AZ | 58 | $ 26,570,000 | $ 458,103 | $ 171,000 |
| Gary, IN | 55 | $ 8,045,000 | $ 146,272 | $ 65,000 |
| Indianapolis-Carmel-Anderson, IN | 37 | $ 8,615,000 | $ 232,837 | $ 105,000 |
| Michigan City-La Porte, IN | 24 | $ 3,300,000 | $ 137,500 | $ 56,000 |
| Chicago-Naperville, IL | 22 | $ 6,470,000 | $ 294,090 | $ 163,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 1,460,000 | $ 182,500 | $ 93,000 |
| Cincinnati, OH-KY-IN | 7 | $ 1,785,000 | $ 255,000 | $ 138,142 |
| Dallas-Plano-Irving, TX | 7 | $ 1,635,000 | $ 233,571 | $ 133,000 |
| Austin-Round Rock, TX | 6 | $ 2,940,000 | $ 490,000 | $ 230,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 980,000 | $ 163,333 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,530,000 | $ 421,666 | $ 168,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,195,000 | $ 239,000 | $ 123,000 |
| Fort Wayne, IN | 5 | $ 475,000 | $ 95,000 | $ 84,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,245,000 | $ 249,000 | $ 149,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,875,000 | $ 375,000 | $ 128,000 |
| San Diego-Carlsbad, CA | 5 | $ 2,325,000 | $ 465,000 | $ 237,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 1,080,000 | $ 270,000 | $ 67,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,190,000 | $ 297,500 | $ 97,500 |
| Kalamazoo-Portage, MI | 4 | $ 460,000 | $ 115,000 | $ 54,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 740,000 | $ 185,000 | $ 92,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 820,000 | $ 205,000 | $ 180,000 |
| Tucson, AZ | 4 | $ 390,000 | $ 97,500 | $ 42,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,150,000 | $ 287,500 | $ 154,000 |
| Akron, OH | 3 | $ 175,000 | $ 58,333 | $ 25,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 605,000 | $ 201,666 | $ 96,000 |
| Cleveland-Elyria, OH | 3 | $ 385,000 | $ 128,333 | $ 73,000 |
| Fort Collins, CO | 3 | $ 565,000 | $ 188,333 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 595,000 | $ 198,333 | $ 105,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 435,000 | $ 145,000 | $ 96,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,035,000 | $ 345,000 | $ 178,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 715,000 | $ 238,333 | $ 109,000 |
| Albuquerque, NM | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| Barnstable Town, MA | 2 | $ 920,000 | $ 460,000 | $ 224,000 |
| Bloomington, IN | 2 | $ 450,000 | $ 225,000 | $ 76,000 |
| Camden, NJ | 2 | $ 150,000 | $ 75,000 | $ 13,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 250,000 | $ 125,000 | $ 118,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 210,000 | $ 105,000 | $ 36,000 |
| Flagstaff, AZ | 2 | $ 1,420,000 | $ 710,000 | $ 393,000 |
| Fort Worth-Arlington, TX | 2 | $ 360,000 | $ 180,000 | $ 93,000 |
| Gettysburg, PA | 2 | $ 350,000 | $ 175,000 | $ 101,000 |
| Jacksonville, FL | 2 | $ 580,000 | $ 290,000 | $ 59,000 |
| Lakeland-Winter Haven, FL | 2 | $ 230,000 | $ 115,000 | $ 57,000 |
| Lansing-East Lansing, MI | 2 | $ 430,000 | $ 215,000 | $ 103,000 |
| Lynchburg, VA | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 430,000 | $ 215,000 | $ 130,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 500,000 | $ 250,000 | $ 143,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 410,000 | $ 205,000 | $ 199,000 |
| New York-Newark, NY | 2 | $ 290,000 | $ 145,000 | $ 198,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 770,000 | $ 385,000 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 860,000 | $ 430,000 | $ 151,000 |
| Pittsburgh, PA | 2 | $ 650,000 | $ 325,000 | $ 187,000 |
| Punta Gorda, FL | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 620,000 | $ 310,000 | $ 216,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 990,000 | $ 495,000 | $ 219,000 |
| Sioux Falls, SD | 2 | $ 90,000 | $ 45,000 | $ 8,000 |
| St. Louis, MO-IL | 2 | $ 390,000 | $ 195,000 | $ 64,000 |
| Tacoma-Lakewood, WA | 2 | $ 1,180,000 | $ 590,000 | $ 109,000 |
| Toledo, OH | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,090,000 | $ 545,000 | $ 173,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Ann Arbor, MI | 1 | $ 275,000 | $ 275,000 | $ 8,000 |
| Asheville, NC | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 215,000 | $ 215,000 | $ 350,000 |
| Boston, MA | 1 | $ 215,000 | $ 215,000 | $ 39,000 |
| Bowling Green, KY | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Charleston-North Charleston, SC | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Columbia, SC | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Columbus, OH | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Danville, IL | 1 | $ 85,000 | $ 85,000 | $ 9,000 |
| Dubuque, IA | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Elgin, IL | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Flint, MI | 1 | $ 45,000 | $ 45,000 | $ 13,000 |
| Kansas City, MO-KS | 1 | $ 295,000 | $ 295,000 | $ 200,000 |
| Knoxville, TN | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Lafayette, LA | 1 | $ 175,000 | $ 175,000 | $ 215,000 |
| Lafayette-West Lafayette, IN | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Lake Charles, LA | 1 | $ 165,000 | $ 165,000 | $ 144,000 |
| Lancaster, PA | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Las Cruces, NM | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 495,000 | $ 495,000 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 45,000 | $ 45,000 | $ 450,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Newark, NJ-PA | 1 | $ 545,000 | $ 545,000 | $ 312,000 |
| Olympia-Tumwater, WA | 1 | $ 1,225,000 | $ 1,225,000 | $ 585,000 |
| Peoria, IL | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Philadelphia, PA | 1 | $ 385,000 | $ 385,000 | $ 100,000 |
| Port St. Lucie, FL | 1 | $ 175,000 | $ 175,000 | $ 251,000 |
| Rockford, IL | 1 | $ 275,000 | $ 275,000 | $ 241,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 635,000 | $ 635,000 | $ 281,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 55,000 | $ 55,000 | $ 6,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 905,000 | $ 905,000 | $ 203,000 |
| Spartanburg, SC | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Springfield, IL | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| St. Joseph, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Tallahassee, FL | 1 | $ 445,000 | $ 445,000 | $ 164,000 |
| The Villages, FL | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Urban Honolulu, HI | 1 | $ 725,000 | $ 725,000 | $ 265,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Wilmington, NC | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Worcester, MA-CT | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Notre Dame Federal Credit Union in 2021
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 | 742 | $116,940,000 | $157,000 | $1,125,000 | $90,000 | $1,308,000 |
| Home Purchase | 718 | $166,040,000 | $231,000 | $1,305,000 | $101,000 | $2,112,000 |
| Cash-out Refinancing | 660 | $88,480,000 | $134,000 | $1,505,000 | $72,000 | $944,000 |
| Home Improvement | 599 | $59,035,000 | $98,000 | $905,000 | $57,000 | $616,000 |
| Other Purpose | 100 | $7,940,000 | $79,000 | $505,000 | $73,000 | $627,000 |
| 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 | 2,085 | $332,815,000 | $159,000 | $1,505,000 | $83,000 | $1,308,000 |
| Hispanic | 344 | $40,540,000 | $117,000 | $595,000 | $56,000 | $690,000 |
| Not Provided | 219 | $38,205,000 | $174,000 | $755,000 | $107,000 | $2,112,000 |
| Black or African American | 113 | $15,245,000 | $134,000 | $875,000 | $62,000 | $390,000 |
| Asian | 44 | $9,590,000 | $217,000 | $1,195,000 | $106,000 | $435,000 |
| American Indian or Alaskan Native | 8 | $940,000 | $117,000 | $275,000 | $68,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $590,000 | $295,000 | $415,000 | $95,000 | $119,000 |
| 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) | 2,774 | $431,240,000 | $155,000 | $1,505,000 | $81,000 | $2,112,000 |
| FHA-insured (Federal Housing Administration) | 43 | $6,925,000 | $161,000 | $355,000 | $58,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 2 | $270,000 | $135,000 | $145,000 | $55,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,265 | $363,075,000 | $160,000 | $1,505,000 | $82,000 | $979,000 |
| Application Denied By Financial Institution | 296 | $25,950,000 | $87,000 | $1,455,000 | $52,000 | $627,000 |
| Application Withdrawn By Applicant | 251 | $47,895,000 | $190,000 | $795,000 | $105,000 | $2,112,000 |
| Application Approved But Not Accepted | 7 | $1,515,000 | $216,000 | $525,000 | $106,000 | $185,000 |
| 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 | 2,523 | $412,485,000 | $163,000 | $1,505,000 | $85,000 | $2,112,000 |
| Credit Application Incomplete | 122 | $10,540,000 | $86,000 | $675,000 | $58,000 | $627,000 |
| Credit History | 65 | $4,245,000 | $65,000 | $305,000 | $43,000 | $320,000 |
| Collateral | 50 | $3,960,000 | $79,000 | $455,000 | $46,000 | $390,000 |
| Debt-To-Income Ratio | 32 | $4,010,000 | $125,000 | $1,455,000 | $44,000 | $146,000 |
| Unverifiable Information | 17 | $1,185,000 | $69,000 | $205,000 | $36,000 | $180,000 |
| Other | 3 | $1,375,000 | $458,000 | $1,205,000 | $136,000 | $300,000 |
| Employment History | 3 | $225,000 | $75,000 | $125,000 | $41,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $285,000 | $95,000 | $205,000 | $29,000 | $81,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $360,000 | $360,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Notre Dame Federal Credit Union's 2021 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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