Numark Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Numark Credit Union 2023 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 | Numark Credit Union 1654 Terry Dr; P O Box 2729 Joliet, IL 60434 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 533 |
| Total Mortgage Loan Application Amount | $84,545,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $146,500 |
| Highest Applicant Income | $6,901,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Numark 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 Numark Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Numark 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 Numark Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Numark 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 Numark Credit Union's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 82 | $ 17,640,000 | $ 215,000 | $ 94,000 |
| Will County Illinois | 73 | $ 14,005,000 | $ 191,000 | $ 79,000 |
| DuPage County Illinois | 29 | $ 6,595,000 | $ 227,000 | $ 167,000 |
| Grundy County Illinois | 13 | $ 2,325,000 | $ 178,000 | $ 94,000 |
| Kane County Illinois | 11 | $ 3,855,000 | $ 350,000 | $ 231,000 |
| Polk County Florida | 8 | $ 1,190,000 | $ 148,000 | $ 3,501,000 |
| Lake County Indiana | 7 | $ 1,135,000 | $ 162,000 | $ 93,000 |
| Kendall County Illinois | 6 | $ 1,450,000 | $ 241,000 | $ 244,000 |
| Macomb County Michigan | 6 | $ 370,000 | $ 61,000 | $ 133,000 |
| Kent County Michigan | 5 | $ 325,000 | $ 65,000 | $ 0 |
| Lake County Florida | 4 | $ 420,000 | $ 105,000 | $ 0 |
| LaSalle County Illinois | 4 | $ 890,000 | $ 222,000 | $ 79,000 |
| Lee County Illinois | 4 | $ 270,000 | $ 67,000 | $ 83,000 |
| Monroe County Michigan | 4 | $ 260,000 | $ 65,000 | $ 0 |
| Lebanon County Pennsylvania | 4 | $ 330,000 | $ 82,000 | $ 0 |
| Marshall County Alabama | 3 | $ 385,000 | $ 128,000 | $ 0 |
| Tuscaloosa County Alabama | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Riverside County California | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Kent County Delaware | 3 | $ 145,000 | $ 48,000 | $ 0 |
| Kankakee County Illinois | 3 | $ 625,000 | $ 208,000 | $ 119,000 |
| Lake County Illinois | 3 | $ 845,000 | $ 281,000 | $ 78,000 |
| Oakland County Michigan | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Berks County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Bucks County Pennsylvania | 3 | $ 165,000 | $ 55,000 | $ 0 |
| Lancaster County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 0 |
| Travis County Texas | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Baldwin County Alabama | 2 | $ 230,000 | $ 115,000 | $ 248,000 |
| Bibb County Alabama | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Chilton County Alabama | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Coosa County Alabama | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Jefferson County Arkansas | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Lonoke County Arkansas | 2 | $ 600,000 | $ 300,000 | $ 98,000 |
| Adams County Colorado | 2 | $ 210,000 | $ 105,000 | $ 0 |
| El Paso County Colorado | 2 | $ 460,000 | $ 230,000 | $ 121,000 |
| Broward County Florida | 2 | $ 920,000 | $ 460,000 | $ 708,000 |
| Livingston County Illinois | 2 | $ 240,000 | $ 120,000 | $ 62,000 |
| McHenry County Illinois | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| Porter County Indiana | 2 | $ 340,000 | $ 170,000 | $ 203,000 |
| St. Joseph County Indiana | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Sedgwick County Kansas | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Grant County Louisiana | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Rapides County Louisiana | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Tangipahoa County Louisiana | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Barry County Michigan | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Eaton County Michigan | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Genesee County Michigan | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Grand Traverse County Michigan | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Kalamazoo County Michigan | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Livingston County Michigan | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Ottawa County Michigan | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Wayne County Michigan | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Clay County Mississippi | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Itawamba County Mississippi | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Marion County Mississippi | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Monroe County Mississippi | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Oktibbeha County Mississippi | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Cumberland County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Ocean County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Saratoga County New York | 2 | $ 190,000 | $ 95,000 | $ 0 |
| York County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Horry County South Carolina | 2 | $ 400,000 | $ 200,000 | $ 91,000 |
| Knox County Tennessee | 2 | $ 1,130,000 | $ 565,000 | $ 384,000 |
| Kerr County Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Winnebago County Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 49,000 |
| Autauga County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Blount County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| DeKalb County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Elmore County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lamar County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Madison County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Marion County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Montgomery County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Morgan County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pickens County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Talladega County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Walker County Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Winston County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Pima County Arizona | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Calhoun County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grant County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Greene County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Saline County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Yell County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| El Dorado County California | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Los Angeles County California | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Nevada County California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Placer County California | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sacramento County California | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Bernardino County California | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Diego County California | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Solano County California | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Stanislaus County California | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 785,000 | $ 785,000 | $ 277,000 |
| Larimer County Colorado | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Mesa County Colorado | 1 | $ 85,000 | $ 85,000 | $ 0 |
| New London County Connecticut | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Tolland County Connecticut | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Windham County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Alachua County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Collier County Florida | 1 | $ 605,000 | $ 605,000 | $ 185,000 |
| DeSoto County Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jackson County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Liberty County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Manatee County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Nassau County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Osceola County Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pasco County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Sumter County Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Suwannee County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Chattooga County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Coffee County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Effingham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hall County Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hart County Georgia | 1 | $ 725,000 | $ 725,000 | $ 441,000 |
| Putnam County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ada County Idaho | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Canyon County Idaho | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Twin Falls County Idaho | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bureau County Illinois | 1 | $ 65,000 | $ 65,000 | $ 132,000 |
| Champaign County Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| DeKalb County Illinois | 1 | $ 155,000 | $ 155,000 | $ 243,000 |
| Greene County Illinois | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ogle County Illinois | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Peoria County Illinois | 1 | $ 65,000 | $ 65,000 | $ 169,000 |
| Kosciusko County Indiana | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| LaPorte County Indiana | 1 | $ 145,000 | $ 145,000 | $ 178,000 |
| Owen County Indiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Starke County Indiana | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Black Hawk County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Polk County Iowa | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Miami County Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Saline County Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Shawnee County Kansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Calloway County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Green County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Knox County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Marshall County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Taylor County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Caddo County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Calcasieu County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Evangeline County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| La Salle County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lincoln County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Livingston County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Charles County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Webster County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Winn County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Howard County Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bay County Michigan | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Berrien County Michigan | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Cass County Michigan | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chippewa County Michigan | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Jackson County Michigan | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lenawee County Michigan | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Muskegon County Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Wexford County Michigan | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Carlton County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Goodhue County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wright County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Attala County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Clarke County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Copiah County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Covington County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Forrest County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson Davis County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lincoln County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Newton County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Panola County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Scott County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tishomingo County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Winston County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Yazoo County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Callaway County Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clark County Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pemiscot County Missouri | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Reynolds County Missouri | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morris County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cayuga County New York | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Dutchess County New York | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fulton County New York | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Genesee County New York | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ontario County New York | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clermont County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Franklin County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Greene County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Guernsey County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wood County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Columbia County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Northumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chester County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lincoln County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Henry County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Bexar County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Brazos County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Harris County Texas | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Hays County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Llano County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Smith County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tarrant County Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bedford County Virginia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Mingo County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Adams County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 211,000 |
| Eau Claire County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Iron County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 179,000 |
| Kenosha County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Marinette County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Milwaukee County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Waukesha County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Numark 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 | 450 | $70,200,000 | $156,000 | $1,365,000 | $199,000 | $6,901,000 |
| Refinancing | 83 | $14,345,000 | $172,000 | $505,000 | $94,000 | $925,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 260 | $26,020,000 | $100,000 | $1,275,000 | $0 | $0 |
| White | 171 | $37,125,000 | $217,000 | $1,365,000 | $207,000 | $6,901,000 |
| Hispanic | 64 | $12,460,000 | $194,000 | $565,000 | $85,000 | $166,000 |
| Black or African American | 27 | $6,295,000 | $233,000 | $785,000 | $89,000 | $277,000 |
| Asian | 9 | $2,065,000 | $229,000 | $505,000 | $246,000 | $925,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 531 | $84,145,000 | $158,000 | $1,365,000 | $168,000 | $6,901,000 |
| FHA-insured (Federal Housing Administration) | 2 | $400,000 | $200,000 | $305,000 | $62,000 | $85,000 |
| 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 Purchased By The Institution | 259 | $24,745,000 | $95,000 | $245,000 | $0 | $0 |
| Loan Originated | 200 | $42,360,000 | $211,000 | $1,275,000 | $177,000 | $6,901,000 |
| Application Withdrawn By Applicant | 42 | $10,620,000 | $252,000 | $1,365,000 | $152,000 | $1,202,000 |
| Application Denied By Financial Institution | 28 | $6,070,000 | $216,000 | $435,000 | $73,000 | $150,000 |
| File Closed For Incompleteness | 3 | $575,000 | $191,000 | $225,000 | $682,000 | $1,920,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $82,000 | $82,000 |
| 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 | 505 | $78,475,000 | $155,000 | $1,365,000 | $178,000 | $6,901,000 |
| Credit History | 8 | $1,880,000 | $235,000 | $435,000 | $60,000 | $85,000 |
| Credit Application Incomplete | 6 | $1,090,000 | $181,000 | $315,000 | $65,000 | $91,000 |
| Debt-To-Income Ratio | 5 | $1,325,000 | $265,000 | $375,000 | $81,000 | $127,000 |
| Collateral | 4 | $680,000 | $170,000 | $225,000 | $80,000 | $137,000 |
| Unverifiable Information | 4 | $1,050,000 | $262,000 | $375,000 | $92,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark 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 Numark 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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