Journey Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Journey Credit Union of Des Moines, IA reported 72 mortgage applications totaling $4.9 million. The average application was for $68,194, and applicants reported an average income of $91,611. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Des Moines-West Des Moines, IA (68) and Ames, IA (2).
| Mortgage Company & Address | Journey Credit Union 1400 2nd Ave Des Moines, IA 50314 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $4,910,000 |
| Average Mortgage Loan Application Amount | $68,194 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $91,611 |
| Highest Applicant Income | $211,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Journey Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Journey Credit Union in 2022
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 Improvement | 25 | $1,175,000 | $47,000 | $125,000 | $94,000 | $186,000 |
| Refinancing | 24 | $1,860,000 | $77,000 | $275,000 | $101,000 | $211,000 |
| Other Purpose | 15 | $595,000 | $39,000 | $85,000 | $72,000 | $124,000 |
| Cash-out Refinancing | 6 | $970,000 | $161,000 | $295,000 | $84,000 | $133,000 |
| Home Purchase | 2 | $310,000 | $155,000 | $225,000 | $119,000 | $124,000 |
| 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 | 58 | $3,380,000 | $58,000 | $275,000 | $93,000 | $211,000 |
| Not Provided | 8 | $1,200,000 | $150,000 | $295,000 | $84,000 | $133,000 |
| Black or African American | 3 | $175,000 | $58,000 | $125,000 | $84,000 | $118,000 |
| Hispanic | 3 | $155,000 | $51,000 | $65,000 | $91,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 72 | $4,910,000 | $68,000 | $295,000 | $92,000 | $211,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 66 | $4,560,000 | $69,000 | $295,000 | $91,000 | $211,000 |
| Application Withdrawn By Applicant | 4 | $180,000 | $45,000 | $85,000 | $92,000 | $118,000 |
| Application Denied By Financial Institution | 2 | $170,000 | $85,000 | $145,000 | $105,000 | $139,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 70 | $4,740,000 | $67,000 | $295,000 | $91,000 | $211,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $71,000 | $71,000 |
| Debt-To-Income Ratio | 1 | $145,000 | $145,000 | $145,000 | $139,000 | $139,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Journey Credit Union's 2022 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 Journey 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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