United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Federal Credit Union 2004 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 | United Federal Credit Union 2807 South State St Saint Joseph, MI 49085 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 | 1,727 |
| Total Mortgage Loan Application Amount | $93,967,000 |
| Average Mortgage Loan Application Amount | $85,285 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $84,551 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with United Federal 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 United Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down United Federal 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 United Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by United Federal 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 United Federal Credit Union's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berrien County Michigan | 872 | $ 54,045,000 | $ 61,000 | $ 57,000 |
| Marion County Ohio | 223 | $ 7,702,000 | $ 34,000 | $ 47,000 |
| Sebastian County Arkansas | 147 | $ 7,229,000 | $ 49,000 | $ 64,000 |
| Crawford County Arkansas | 91 | $ 3,080,000 | $ 33,000 | $ 50,000 |
| Le Flore County Oklahoma | 53 | $ 2,066,000 | $ 38,000 | $ 57,000 |
| Van Buren County Michigan | 50 | $ 2,755,000 | $ 55,000 | $ 54,000 |
| Ottawa County Michigan | 42 | $ 2,554,000 | $ 60,000 | $ 59,000 |
| Morrow County Ohio | 19 | $ 591,000 | $ 31,000 | $ 50,000 |
| Sequoyah County Oklahoma | 19 | $ 1,151,000 | $ 60,000 | $ 75,000 |
| Allegan County Michigan | 17 | $ 1,106,000 | $ 65,000 | $ 93,000 |
| Kalamazoo County Michigan | 14 | $ 940,000 | $ 67,000 | $ 78,000 |
| St. Joseph County Indiana | 12 | $ 713,000 | $ 59,000 | $ 87,000 |
| Wyandot County Ohio | 11 | $ 513,000 | $ 46,000 | $ 48,000 |
| Kent County Michigan | 9 | $ 456,000 | $ 50,000 | $ 42,000 |
| Cass County Michigan | 8 | $ 193,000 | $ 24,000 | $ 61,000 |
| Union County Ohio | 7 | $ 303,000 | $ 43,000 | $ 39,000 |
| Delaware County Ohio | 6 | $ 190,000 | $ 31,000 | $ 48,000 |
| Hardin County Ohio | 5 | $ 153,000 | $ 30,000 | $ 55,000 |
| Franklin County Arkansas | 4 | $ 120,000 | $ 30,000 | $ 57,000 |
| Palm Beach County Florida | 4 | $ 464,000 | $ 116,000 | $ 151,000 |
| St. Louis County Missouri | 4 | $ 661,000 | $ 165,000 | $ 123,000 |
| Haskell County Oklahoma | 4 | $ 209,000 | $ 52,000 | $ 55,000 |
| Logan County Arkansas | 3 | $ 41,000 | $ 13,000 | $ 46,000 |
| Porter County Indiana | 3 | $ 309,000 | $ 103,000 | $ 66,000 |
| Boyle County Kentucky | 3 | $ 111,000 | $ 37,000 | $ 55,000 |
| Calhoun County Michigan | 3 | $ 117,000 | $ 39,000 | $ 51,000 |
| Oakland County Michigan | 3 | $ 185,000 | $ 61,000 | $ 82,000 |
| Gaston County North Carolina | 3 | $ 309,000 | $ 103,000 | $ 101,000 |
| Crawford County Ohio | 3 | $ 66,000 | $ 22,000 | $ 60,000 |
| Washington County Arkansas | 2 | $ 10,000 | $ 5,000 | $ 54,000 |
| Orange County California | 2 | $ 53,000 | $ 26,000 | $ 98,000 |
| Broward County Florida | 2 | $ 40,000 | $ 20,000 | $ 52,000 |
| Lake County Florida | 2 | $ 41,000 | $ 20,000 | $ 43,000 |
| Lee County Florida | 2 | $ 165,000 | $ 82,000 | $ 85,000 |
| Cook County Illinois | 2 | $ 110,000 | $ 55,000 | $ 66,000 |
| McHenry County Illinois | 2 | $ 151,000 | $ 75,000 | $ 122,000 |
| Elkhart County Indiana | 2 | $ 146,000 | $ 73,000 | $ 50,000 |
| LaPorte County Indiana | 2 | $ 76,000 | $ 38,000 | $ 67,000 |
| Posey County Indiana | 2 | $ 225,000 | $ 112,000 | $ 128,000 |
| Lenawee County Michigan | 2 | $ 135,000 | $ 67,000 | $ 195,000 |
| Livingston County Michigan | 2 | $ 90,000 | $ 45,000 | $ 93,000 |
| Midland County Michigan | 2 | $ 265,000 | $ 132,000 | $ 58,000 |
| Wake County North Carolina | 2 | $ 173,000 | $ 86,000 | $ 110,000 |
| Logan County Ohio | 2 | $ 20,000 | $ 10,000 | $ 48,000 |
| Tulsa County Oklahoma | 2 | $ 125,000 | $ 62,000 | $ 52,000 |
| Knox County Tennessee | 2 | $ 166,000 | $ 83,000 | $ 104,000 |
| Stafford County Virginia | 2 | $ 405,000 | $ 202,000 | $ 121,000 |
| Pima County Arizona | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Benton County Arkansas | 1 | $ 11,000 | $ 11,000 | $ 58,000 |
| Lonoke County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Scott County Arkansas | 1 | $ 189,000 | $ 189,000 | $ 110,000 |
| Denver County Colorado | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
| Larimer County Colorado | 1 | $ 10,000 | $ 10,000 | $ 109,000 |
| Highlands County Florida | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| Pinellas County Florida | 1 | $ 31,000 | $ 31,000 | $ 97,000 |
| Seminole County Florida | 1 | $ 100,000 | $ 100,000 | $ 69,000 |
| St. Johns County Florida | 1 | $ 20,000 | $ 20,000 | $ 96,000 |
| Coweta County Georgia | 1 | $ 143,000 | $ 143,000 | $ 115,000 |
| DuPage County Illinois | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Kane County Illinois | 1 | $ 47,000 | $ 47,000 | $ 142,000 |
| Lake County Illinois | 1 | $ 130,000 | $ 130,000 | $ 119,000 |
| Knox County Indiana | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Vigo County Indiana | 1 | $ 178,000 | $ 178,000 | $ 90,000 |
| Johnson County Kansas | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Jefferson County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Aroostook County Maine | 1 | $ 22,000 | $ 22,000 | $ 79,000 |
| Anne Arundel County Maryland | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Gogebic County Michigan | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Leelanau County Michigan | 1 | $ 374,000 | $ 374,000 | $ 117,000 |
| Mason County Michigan | 1 | $ 42,000 | $ 42,000 | $ 109,000 |
| Washtenaw County Michigan | 1 | $ 62,000 | $ 62,000 | $ 218,000 |
| Anoka County Minnesota | 1 | $ 32,000 | $ 32,000 | $ 56,000 |
| Lafayette County Mississippi | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
| Polk County Missouri | 1 | $ 32,000 | $ 32,000 | $ 78,000 |
| Camden County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Bernalillo County New Mexico | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Onondaga County New York | 1 | $ 44,000 | $ 44,000 | $ 107,000 |
| Suffolk County New York | 1 | $ 100,000 | $ 100,000 | $ 143,000 |
| Mecklenburg County North Carolina | 1 | $ 16,000 | $ 16,000 | $ 35,000 |
| Franklin County Ohio | 1 | $ 57,000 | $ 57,000 | $ 30,000 |
| Knox County Ohio | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Deschutes County Oregon | 1 | $ 72,000 | $ 72,000 | $ 137,000 |
| Lehigh County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Greenville County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Davidson County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 93,000 |
| Sevier County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 249,000 |
| Union County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Williamson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Rutland County Vermont | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Chesapeake County Virginia | 1 | $ 104,000 | $ 104,000 | $ 82,000 |
| Prince William County Virginia | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Pocahontas County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 63,000 |
| Jefferson County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 284,000 |
| Oneida County Wisconsin | 1 | $ 7,000 | $ 7,000 | $ 65,000 |
| Pierce County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Racine County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2004
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 | 1,263 | $41,209,000 | $35,615 | $600,000 | $79,153 | $535,000 |
| Refinancing | 262 | $27,126,000 | $152,666 | $477,000 | $99,777 | $1,200,000 |
| Home Purchase | 202 | $25,632,000 | $134,214 | $700,000 | $84,785 | $366,000 |
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 | 964 | $61,771,000 | $65,700 | $700,000 | $79,050 | $1,200,000 |
| Not Provided | 710 | $28,931,000 | $58,708 | $482,000 | $87,125 | $535,000 |
| Black or African American | 28 | $1,869,000 | $79,000 | $347,000 | $59,000 | $108,000 |
| Asian | 13 | $949,000 | $62,000 | $166,000 | $54,000 | $145,000 |
| Hispanic | 7 | $189,000 | $42,000 | $63,000 | $52,500 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $178,000 | $59,000 | $86,000 | $73,000 | $104,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $74,000 | $55,000 | $66,000 |
| 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) | 1,725 | $93,916,000 | $59,566 | $700,000 | $81,333 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $36,000 | $36,000 | $36,000 | $28,000 | $28,000 |
| VA-guaranteed (Veterans Administration) | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| FHA-insured (Federal Housing 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 | 1,538 | $88,537,000 | $61,142 | $700,000 | $80,964 | $1,200,000 |
| Application Denied By Financial Institution | 97 | $2,708,000 | $42,625 | $135,000 | $70,875 | $165,000 |
| Application Withdrawn By Applicant | 88 | $2,606,000 | $27,500 | $109,000 | $68,125 | $233,000 |
| Application Approved But Not Accepted | 4 | $116,000 | $24,000 | $80,000 | $55,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 72 | $1,733,000 | $36,142 | $104,000 | $61,428 | $143,000 |
| Collateral | 7 | $239,000 | $28,000 | $90,000 | $50,666 | $71,000 |
| Debt-To-Income Ratio | 5 | $265,000 | $52,500 | $135,000 | $41,500 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $60,000 | $31,000 | $53,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $67,000 | $67,000 | $67,000 | $165,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2004 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 United 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.