United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
United Federal Credit Union 2010 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 | 3,707 |
| Total Mortgage Loan Application Amount | $371,786,000 |
| Average Mortgage Loan Application Amount | $100,666 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $1,920,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 1,300 | $ 130,444,000 | $ 100,000 | $ 78,000 |
| Ottawa County Michigan | 217 | $ 21,380,000 | $ 98,000 | $ 73,000 |
| Sebastian County Arkansas | 182 | $ 11,350,000 | $ 62,000 | $ 61,000 |
| Marion County Ohio | 178 | $ 10,469,000 | $ 58,000 | $ 58,000 |
| Iredell County North Carolina | 99 | $ 7,928,000 | $ 80,000 | $ 64,000 |
| Cass County Michigan | 97 | $ 9,142,000 | $ 94,000 | $ 75,000 |
| Crawford County Arkansas | 94 | $ 7,011,000 | $ 74,000 | $ 69,000 |
| Allegan County Michigan | 91 | $ 7,288,000 | $ 80,000 | $ 57,000 |
| Washoe County Nevada | 61 | $ 8,212,000 | $ 134,000 | $ 73,000 |
| Van Buren County Michigan | 59 | $ 4,501,000 | $ 76,000 | $ 61,000 |
| Le Flore County Oklahoma | 57 | $ 3,071,000 | $ 53,000 | $ 60,000 |
| St. Joseph County Indiana | 49 | $ 5,035,000 | $ 102,000 | $ 68,000 |
| Henderson County North Carolina | 32 | $ 3,113,000 | $ 97,000 | $ 62,000 |
| Kent County Michigan | 27 | $ 2,827,000 | $ 104,000 | $ 82,000 |
| Buncombe County North Carolina | 27 | $ 8,297,000 | $ 307,000 | $ 201,000 |
| Sequoyah County Oklahoma | 18 | $ 1,224,000 | $ 68,000 | $ 70,000 |
| Morrow County Ohio | 15 | $ 1,330,000 | $ 88,000 | $ 61,000 |
| Union County Ohio | 13 | $ 841,000 | $ 64,000 | $ 75,000 |
| Kalamazoo County Michigan | 10 | $ 1,588,000 | $ 158,000 | $ 145,000 |
| Muskegon County Michigan | 10 | $ 417,000 | $ 41,000 | $ 35,000 |
| Maricopa County Arizona | 8 | $ 1,347,000 | $ 168,000 | $ 98,000 |
| Alexander County North Carolina | 8 | $ 380,000 | $ 47,000 | $ 44,000 |
| Franklin County Arkansas | 6 | $ 438,000 | $ 73,000 | $ 56,000 |
| Logan County Arkansas | 6 | $ 595,000 | $ 99,000 | $ 61,000 |
| Catawba County North Carolina | 6 | $ 212,000 | $ 35,000 | $ 50,000 |
| Sargent County North Dakota | 6 | $ 606,000 | $ 101,000 | $ 87,000 |
| Tulsa County Oklahoma | 6 | $ 488,000 | $ 81,000 | $ 91,000 |
| Delaware County Ohio | 5 | $ 493,000 | $ 98,000 | $ 88,000 |
| Barry County Michigan | 4 | $ 202,000 | $ 50,000 | $ 82,000 |
| Lake County Michigan | 4 | $ 179,000 | $ 44,000 | $ 162,000 |
| St. Joseph County Michigan | 4 | $ 306,000 | $ 76,000 | $ 70,000 |
| Rowan County North Carolina | 4 | $ 474,000 | $ 118,000 | $ 64,000 |
| Crawford County Ohio | 4 | $ 229,000 | $ 57,000 | $ 54,000 |
| Wyandot County Ohio | 4 | $ 234,000 | $ 58,000 | $ 60,000 |
| Osceola County Florida | 3 | $ 366,000 | $ 122,000 | $ 83,000 |
| Cook County Illinois | 3 | $ 324,000 | $ 108,000 | $ 111,000 |
| Will County Illinois | 3 | $ 121,000 | $ 40,000 | $ 39,000 |
| Manistee County Michigan | 3 | $ 83,000 | $ 27,000 | $ 53,000 |
| Mason County Michigan | 3 | $ 303,000 | $ 101,000 | $ 57,000 |
| Wayne County Michigan | 3 | $ 113,000 | $ 37,000 | $ 87,000 |
| Lyon County Nevada | 3 | $ 587,000 | $ 195,000 | $ 223,000 |
| Craven County North Carolina | 3 | $ 610,000 | $ 203,000 | $ 157,000 |
| Transylvania County North Carolina | 3 | $ 354,000 | $ 118,000 | $ 99,000 |
| Ransom County North Dakota | 3 | $ 110,000 | $ 36,000 | $ 86,000 |
| Haskell County Oklahoma | 3 | $ 120,000 | $ 40,000 | $ 120,000 |
| Scott County Arkansas | 2 | $ 152,000 | $ 76,000 | $ 44,000 |
| Sonoma County California | 2 | $ 957,000 | $ 478,000 | $ 451,000 |
| Douglas County Colorado | 2 | $ 870,000 | $ 435,000 | $ 214,000 |
| Jefferson County Colorado | 2 | $ 546,000 | $ 273,000 | $ 177,000 |
| Broward County Florida | 2 | $ 520,000 | $ 260,000 | $ 163,000 |
| Lee County Florida | 2 | $ 298,000 | $ 149,000 | $ 153,000 |
| Orange County Florida | 2 | $ 210,000 | $ 105,000 | $ 92,000 |
| Elkhart County Indiana | 2 | $ 169,000 | $ 84,000 | $ 388,000 |
| Kosciusko County Indiana | 2 | $ 304,000 | $ 152,000 | $ 86,000 |
| LaPorte County Indiana | 2 | $ 452,000 | $ 226,000 | $ 160,000 |
| Marion County Indiana | 2 | $ 908,000 | $ 454,000 | $ 373,000 |
| Logan County Kentucky | 2 | $ 126,000 | $ 63,000 | $ 88,000 |
| Crawford County Michigan | 2 | $ 140,000 | $ 70,000 | $ 115,000 |
| Gogebic County Michigan | 2 | $ 406,000 | $ 203,000 | $ 111,000 |
| Ingham County Michigan | 2 | $ 220,000 | $ 110,000 | $ 145,000 |
| Iron County Michigan | 2 | $ 20,000 | $ 10,000 | $ 38,000 |
| Mackinac County Michigan | 2 | $ 182,000 | $ 91,000 | $ 379,000 |
| Mecosta County Michigan | 2 | $ 210,000 | $ 105,000 | $ 81,000 |
| Storey County Nevada | 2 | $ 198,000 | $ 99,000 | $ 20,000 |
| Taos County New Mexico | 2 | $ 302,000 | $ 151,000 | $ 66,000 |
| Davie County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 103,000 |
| Mecklenburg County North Carolina | 2 | $ 87,000 | $ 43,000 | $ 151,000 |
| Franklin County Ohio | 2 | $ 453,000 | $ 226,000 | $ 46,000 |
| Hancock County Ohio | 2 | $ 482,000 | $ 241,000 | $ 219,000 |
| Hardin County Ohio | 2 | $ 183,000 | $ 91,000 | $ 55,000 |
| Logan County Ohio | 2 | $ 178,000 | $ 89,000 | $ 46,000 |
| York County South Carolina | 2 | $ 1,022,000 | $ 511,000 | $ 179,000 |
| Bradley County Tennessee | 2 | $ 328,000 | $ 164,000 | $ 113,000 |
| Williamson County Tennessee | 2 | $ 375,000 | $ 187,000 | $ 122,000 |
| Pima County Arizona | 1 | $ 417,000 | $ 417,000 | $ 228,000 |
| Garland County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 162,000 |
| Polk County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Pope County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Yell County Arkansas | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Orange County California | 1 | $ 30,000 | $ 30,000 | $ 45,000 |
| Ventura County California | 1 | $ 415,000 | $ 415,000 | $ 143,000 |
| Fairfield County Connecticut | 1 | $ 168,000 | $ 168,000 | $ 80,000 |
| Charlotte County Florida | 1 | $ 140,000 | $ 140,000 | $ 93,000 |
| Duval County Florida | 1 | $ 271,000 | $ 271,000 | $ 116,000 |
| Hernando County Florida | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Miami-Dade County Florida | 1 | $ 240,000 | $ 240,000 | $ 233,000 |
| Pinellas County Florida | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Polk County Florida | 1 | $ 141,000 | $ 141,000 | $ 61,000 |
| Carroll County Georgia | 1 | $ 133,000 | $ 133,000 | $ 26,000 |
| Cobb County Georgia | 1 | $ 23,000 | $ 23,000 | $ 113,000 |
| Fayette County Georgia | 1 | $ 243,000 | $ 243,000 | $ 126,000 |
| Gwinnett County Georgia | 1 | $ 57,000 | $ 57,000 | $ 45,000 |
| LaSalle County Illinois | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Adams County Indiana | 1 | $ 6,000 | $ 6,000 | $ 90,000 |
| Clark County Indiana | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| Marshall County Indiana | 1 | $ 181,000 | $ 181,000 | $ 109,000 |
| Porter County Indiana | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Starke County Indiana | 1 | $ 208,000 | $ 208,000 | $ 273,000 |
| Warrick County Indiana | 1 | $ 201,000 | $ 201,000 | $ 78,000 |
| Johnson County Iowa | 1 | $ 409,000 | $ 409,000 | $ 257,000 |
| Poweshiek County Iowa | 1 | $ 179,000 | $ 179,000 | $ 70,000 |
| Sedgwick County Kansas | 1 | $ 23,000 | $ 23,000 | $ 90,000 |
| Christian County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Henry County Kentucky | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Marion County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 115,000 |
| Mason County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Shelby County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Hampden County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| Antrim County Michigan | 1 | $ 40,000 | $ 40,000 | $ 95,000 |
| Chippewa County Michigan | 1 | $ 11,000 | $ 11,000 | $ 53,000 |
| Eaton County Michigan | 1 | $ 13,000 | $ 13,000 | $ 36,000 |
| Grand Traverse County Michigan | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Leelanau County Michigan | 1 | $ 218,000 | $ 218,000 | $ 75,000 |
| Midland County Michigan | 1 | $ 188,000 | $ 188,000 | $ 76,000 |
| Missaukee County Michigan | 1 | $ 124,000 | $ 124,000 | $ 126,000 |
| Newaygo County Michigan | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Oceana County Michigan | 1 | $ 170,000 | $ 170,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 385,000 | $ 385,000 | $ 160,000 |
| Douglas County Nevada | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Guilford County North Carolina | 1 | $ 33,000 | $ 33,000 | $ 65,000 |
| Johnston County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 63,000 |
| Macon County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 100,000 |
| Madison County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 59,000 |
| Union County North Carolina | 1 | $ 47,000 | $ 47,000 | $ 222,000 |
| Yadkin County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 41,000 |
| Cass County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Richland County North Dakota | 1 | $ 36,000 | $ 36,000 | $ 31,000 |
| Clark County Ohio | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Knox County Ohio | 1 | $ 30,000 | $ 30,000 | $ 22,000 |
| Montgomery County Ohio | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Richland County Ohio | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Sandusky County Ohio | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Caddo County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 107,000 |
| Butler County Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 85,000 |
| Fayette County Pennsylvania | 1 | $ 47,000 | $ 47,000 | $ 96,000 |
| Mifflin County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 170,000 |
| Spartanburg County South Carolina | 1 | $ 41,000 | $ 41,000 | $ 198,000 |
| Gibson County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Rutherford County Tennessee | 1 | $ 464,000 | $ 464,000 | $ 200,000 |
| Sevier County Tennessee | 1 | $ 131,000 | $ 131,000 | $ 198,000 |
| Harris County Texas | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Tarrant County Texas | 1 | $ 79,000 | $ 79,000 | $ 82,000 |
| Val Verde County Texas | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Racine County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2010
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 | 1,284 | $45,900,000 | $35,000 | $640,000 | $65,000 | $1,254,000 |
| Refinancing | 1,235 | $176,326,000 | $142,000 | $2,500,000 | $82,000 | $1,920,000 |
| Home Purchase | 1,188 | $149,560,000 | $125,000 | $1,200,000 | $70,000 | $1,707,000 |
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 | 2,821 | $290,892,000 | $103,000 | $2,500,000 | $74,000 | $1,920,000 |
| Not Provided | 559 | $51,585,000 | $92,000 | $1,760,000 | $74,000 | $877,000 |
| Hispanic | 114 | $11,619,000 | $101,000 | $396,000 | $64,000 | $233,000 |
| Black or African American | 91 | $6,354,000 | $69,000 | $304,000 | $50,000 | $254,000 |
| Asian | 51 | $5,560,000 | $109,000 | $400,000 | $65,000 | $182,000 |
| Not applicable | 41 | $2,239,000 | $54,000 | $250,000 | $1,000 | $52,000 |
| American Indian or Alaskan Native | 25 | $2,982,000 | $119,000 | $334,000 | $63,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $555,000 | $111,000 | $315,000 | $78,000 | $202,000 |
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) | 3,410 | $338,741,000 | $99,000 | $2,500,000 | $75,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 273 | $30,230,000 | $110,000 | $395,000 | $49,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,803,000 | $112,000 | $173,000 | $39,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,012,000 | $126,000 | $220,000 | $46,000 | $85,000 |
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 | 1,523 | $151,220,000 | $99,000 | $2,500,000 | $81,000 | $1,335,000 |
| Application Withdrawn By Applicant | 1,396 | $152,833,000 | $109,000 | $1,200,000 | $74,000 | $1,920,000 |
| Application Denied By Financial Institution | 484 | $39,183,000 | $80,000 | $760,000 | $58,000 | $648,000 |
| Preapproval Denied by Financial Institution | 292 | $27,010,000 | $92,000 | $404,000 | $43,000 | $144,000 |
| Application Approved But Not Accepted | 6 | $775,000 | $129,000 | $207,000 | $65,000 | $107,000 |
| File Closed For Incompleteness | 6 | $765,000 | $127,000 | $238,000 | $82,000 | $153,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 281 | $25,423,000 | $90,000 | $325,000 | $49,000 | $648,000 |
| Debt-To-Income Ratio | 101 | $13,492,000 | $133,000 | $417,000 | $48,000 | $225,000 |
| Collateral | 62 | $8,802,000 | $141,000 | $440,000 | $77,000 | $194,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,222,000 | $101,000 | $300,000 | $45,000 | $85,000 |
| Other | 11 | $1,130,000 | $102,000 | $185,000 | $54,000 | $127,000 |
| Employment History | 10 | $877,000 | $87,000 | $118,000 | $34,000 | $91,000 |
| Unverifiable Information | 5 | $513,000 | $102,000 | $133,000 | $82,000 | $198,000 |
| Mortgage Insurance Denied | 2 | $114,000 | $57,000 | $85,000 | $32,000 | $37,000 |
| Credit Application Incomplete | 1 | $70,000 | $70,000 | $70,000 | $30,000 | $30,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2010 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.
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with aggregated HMDA statistics today.