United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
United Federal Credit Union 2012 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 | 3,272 |
| Total Mortgage Loan Application Amount | $351,778,000 |
| Average Mortgage Loan Application Amount | $101,333 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $71,333 |
| Highest Applicant Income | $1,122,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,155 | $ 124,436,000 | $ 107,000 | $ 75,000 |
| Ottawa County Michigan | 137 | $ 12,935,000 | $ 94,000 | $ 70,000 |
| Marion County Ohio | 132 | $ 8,093,000 | $ 61,000 | $ 58,000 |
| Sebastian County Arkansas | 115 | $ 8,832,000 | $ 76,000 | $ 64,000 |
| Cass County Michigan | 103 | $ 9,075,000 | $ 88,000 | $ 60,000 |
| Washoe County Nevada | 103 | $ 14,102,000 | $ 136,000 | $ 78,000 |
| Iredell County North Carolina | 94 | $ 9,245,000 | $ 98,000 | $ 60,000 |
| Crawford County Arkansas | 73 | $ 4,888,000 | $ 66,000 | $ 67,000 |
| Allegan County Michigan | 65 | $ 5,828,000 | $ 89,000 | $ 63,000 |
| Henderson County North Carolina | 61 | $ 7,210,000 | $ 118,000 | $ 67,000 |
| Van Buren County Michigan | 57 | $ 4,411,000 | $ 77,000 | $ 63,000 |
| Buncombe County North Carolina | 51 | $ 10,349,000 | $ 202,000 | $ 158,000 |
| Le Flore County Oklahoma | 44 | $ 3,722,000 | $ 84,000 | $ 65,000 |
| St. Joseph County Indiana | 41 | $ 4,130,000 | $ 100,000 | $ 65,000 |
| Lake County Indiana | 39 | $ 3,508,000 | $ 89,000 | $ 77,000 |
| Kent County Michigan | 20 | $ 1,304,000 | $ 65,000 | $ 73,000 |
| Sequoyah County Oklahoma | 19 | $ 1,434,000 | $ 75,000 | $ 62,000 |
| Kalamazoo County Michigan | 14 | $ 1,319,000 | $ 94,000 | $ 58,000 |
| Crawford County Ohio | 14 | $ 706,000 | $ 50,000 | $ 51,000 |
| Union County Ohio | 14 | $ 785,000 | $ 56,000 | $ 60,000 |
| Morrow County Ohio | 13 | $ 735,000 | $ 56,000 | $ 66,000 |
| Franklin County Arkansas | 9 | $ 426,000 | $ 47,000 | $ 74,000 |
| Sargent County North Dakota | 9 | $ 736,000 | $ 81,000 | $ 83,000 |
| Porter County Indiana | 7 | $ 933,000 | $ 133,000 | $ 88,000 |
| Rowan County North Carolina | 7 | $ 344,000 | $ 49,000 | $ 46,000 |
| Muskegon County Michigan | 6 | $ 226,000 | $ 37,000 | $ 50,000 |
| Catawba County North Carolina | 6 | $ 687,000 | $ 114,000 | $ 38,000 |
| Logan County Arkansas | 5 | $ 332,000 | $ 66,000 | $ 51,000 |
| Cook County Illinois | 5 | $ 3,267,000 | $ 653,000 | $ 271,000 |
| Washtenaw County Michigan | 5 | $ 229,000 | $ 45,000 | $ 141,000 |
| Mecklenburg County North Carolina | 5 | $ 1,167,000 | $ 233,000 | $ 115,000 |
| Delaware County Ohio | 5 | $ 348,000 | $ 69,000 | $ 99,000 |
| Maricopa County Arizona | 4 | $ 1,310,000 | $ 327,000 | $ 96,000 |
| Elkhart County Indiana | 4 | $ 375,000 | $ 93,000 | $ 57,000 |
| LaPorte County Indiana | 4 | $ 599,000 | $ 149,000 | $ 103,000 |
| Oakland County Michigan | 4 | $ 484,000 | $ 121,000 | $ 64,000 |
| Hardin County Ohio | 4 | $ 224,000 | $ 56,000 | $ 72,000 |
| Haskell County Oklahoma | 4 | $ 351,000 | $ 87,000 | $ 61,000 |
| Scott County Arkansas | 3 | $ 137,000 | $ 45,000 | $ 43,000 |
| DuPage County Illinois | 3 | $ 944,000 | $ 314,000 | $ 195,000 |
| Hamilton County Indiana | 3 | $ 350,000 | $ 116,000 | $ 70,000 |
| Marion County Indiana | 3 | $ 598,000 | $ 199,000 | $ 697,000 |
| Ingham County Michigan | 3 | $ 160,000 | $ 53,000 | $ 43,000 |
| Newaygo County Michigan | 3 | $ 338,000 | $ 112,000 | $ 87,000 |
| Ramsey County Minnesota | 3 | $ 192,000 | $ 64,000 | $ 45,000 |
| Humboldt County Nevada | 3 | $ 609,000 | $ 203,000 | $ 83,000 |
| Lyon County Nevada | 3 | $ 214,000 | $ 71,000 | $ 97,000 |
| Alexander County North Carolina | 3 | $ 132,000 | $ 44,000 | $ 67,000 |
| Haywood County North Carolina | 3 | $ 241,000 | $ 80,000 | $ 82,000 |
| Pinal County Arizona | 2 | $ 168,000 | $ 84,000 | $ 51,000 |
| Placer County California | 2 | $ 272,000 | $ 136,000 | $ 113,000 |
| Santa Clara County California | 2 | $ 2,758,000 | $ 1,379,000 | $ 317,000 |
| Sierra County California | 2 | $ 245,000 | $ 122,000 | $ 112,000 |
| Miami-Dade County Florida | 2 | $ 453,000 | $ 226,000 | $ 156,000 |
| Palm Beach County Florida | 2 | $ 551,000 | $ 275,000 | $ 114,000 |
| Walton County Florida | 2 | $ 339,000 | $ 169,000 | $ 205,000 |
| LaSalle County Illinois | 2 | $ 266,000 | $ 133,000 | $ 165,000 |
| Barry County Michigan | 2 | $ 630,000 | $ 315,000 | $ 138,000 |
| Benzie County Michigan | 2 | $ 523,000 | $ 261,000 | $ 268,000 |
| Clinton County Michigan | 2 | $ 362,000 | $ 181,000 | $ 95,000 |
| Jackson County Michigan | 2 | $ 198,000 | $ 99,000 | $ 133,000 |
| Manistee County Michigan | 2 | $ 105,000 | $ 52,000 | $ 61,000 |
| Mason County Michigan | 2 | $ 116,000 | $ 58,000 | $ 42,000 |
| Montcalm County Michigan | 2 | $ 106,000 | $ 53,000 | $ 72,000 |
| Burke County North Carolina | 2 | $ 603,000 | $ 301,000 | $ 79,000 |
| Davie County North Carolina | 2 | $ 213,000 | $ 106,000 | $ 33,000 |
| Union County North Carolina | 2 | $ 231,000 | $ 115,000 | $ 125,000 |
| Yadkin County North Carolina | 2 | $ 76,000 | $ 38,000 | $ 41,000 |
| Seneca County Ohio | 2 | $ 784,000 | $ 392,000 | $ 132,000 |
| Adams County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 89,000 |
| Charleston County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 145,000 |
| York County South Carolina | 2 | $ 467,000 | $ 233,000 | $ 235,000 |
| Rutherford County Tennessee | 2 | $ 437,000 | $ 218,000 | $ 123,000 |
| Williamson County Tennessee | 2 | $ 693,000 | $ 346,000 | $ 182,000 |
| Benton County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Faulkner County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Johnson County Arkansas | 1 | $ 132,000 | $ 132,000 | $ 95,000 |
| Montgomery County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 101,000 |
| Polk County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 11,000 |
| Yell County Arkansas | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Alameda County California | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Lassen County California | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Plumas County California | 1 | $ 117,000 | $ 117,000 | $ 76,000 |
| Riverside County California | 1 | $ 160,000 | $ 160,000 | $ 28,000 |
| Santa Cruz County California | 1 | $ 338,000 | $ 338,000 | $ 111,000 |
| Jefferson County Colorado | 1 | $ 240,000 | $ 240,000 | $ 326,000 |
| Larimer County Colorado | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Park County Colorado | 1 | $ 89,000 | $ 89,000 | $ 71,000 |
| Pueblo County Colorado | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Brevard County Florida | 1 | $ 221,000 | $ 221,000 | $ 35,000 |
| Collier County Florida | 1 | $ 1,236,000 | $ 1,236,000 | $ 421,000 |
| Hardee County Florida | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Orange County Florida | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Pinellas County Florida | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| Seminole County Florida | 1 | $ 202,000 | $ 202,000 | $ 69,000 |
| Chatham County Georgia | 1 | $ 100,000 | $ 100,000 | $ 101,000 |
| Cobb County Georgia | 1 | $ 122,000 | $ 122,000 | $ 185,000 |
| Fayette County Georgia | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
| Kane County Illinois | 1 | $ 139,000 | $ 139,000 | $ 102,000 |
| McHenry County Illinois | 1 | $ 295,000 | $ 295,000 | $ 224,000 |
| Will County Illinois | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Boone County Indiana | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Jasper County Indiana | 1 | $ 295,000 | $ 295,000 | $ 202,000 |
| Kosciusko County Indiana | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Marshall County Indiana | 1 | $ 122,000 | $ 122,000 | $ 34,000 |
| Noble County Indiana | 1 | $ 336,000 | $ 336,000 | $ 248,000 |
| Parke County Indiana | 1 | $ 23,000 | $ 23,000 | $ 29,000 |
| Whitley County Indiana | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Pottawattamie County Iowa | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Daviess County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Chippewa County Michigan | 1 | $ 12,000 | $ 12,000 | $ 55,000 |
| Delta County Michigan | 1 | $ 30,000 | $ 30,000 | $ 86,000 |
| Emmet County Michigan | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Genesee County Michigan | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Gladwin County Michigan | 1 | $ 104,000 | $ 104,000 | $ 164,000 |
| Gogebic County Michigan | 1 | $ 336,000 | $ 336,000 | $ 112,000 |
| Leelanau County Michigan | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Lenawee County Michigan | 1 | $ 152,000 | $ 152,000 | $ 75,000 |
| Livingston County Michigan | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Marquette County Michigan | 1 | $ 55,000 | $ 55,000 | $ 140,000 |
| Midland County Michigan | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Oceana County Michigan | 1 | $ 133,000 | $ 133,000 | $ 157,000 |
| Saginaw County Michigan | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Wexford County Michigan | 1 | $ 241,000 | $ 241,000 | $ 222,000 |
| Hennepin County Minnesota | 1 | $ 166,000 | $ 166,000 | $ 85,000 |
| Otter Tail County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Jasper County Missouri | 1 | $ 106,000 | $ 106,000 | $ 125,000 |
| Carson City County Nevada | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Churchill County Nevada | 1 | $ 19,000 | $ 19,000 | $ 90,000 |
| Eureka County Nevada | 1 | $ 106,000 | $ 106,000 | $ 31,000 |
| Storey County Nevada | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Burlington County New Jersey | 1 | $ 142,000 | $ 142,000 | $ 149,000 |
| Onondaga County New York | 1 | $ 123,000 | $ 123,000 | $ 115,000 |
| Cabarrus County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| Guilford County North Carolina | 1 | $ 44,000 | $ 44,000 | $ 43,000 |
| Madison County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Pamlico County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 51,000 |
| Polk County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Rutherford County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 256,000 |
| Stokes County North Carolina | 1 | $ 1,252,000 | $ 1,252,000 | $ 205,000 |
| Surry County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 72,000 |
| Transylvania County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 26,000 |
| Yancey County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 48,000 |
| Dickey County North Dakota | 1 | $ 66,000 | $ 66,000 | $ 153,000 |
| Ransom County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Hancock County Ohio | 1 | $ 194,000 | $ 194,000 | $ 96,000 |
| Jackson County Ohio | 1 | $ 142,000 | $ 142,000 | $ 89,000 |
| Lorain County Ohio | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Montgomery County Ohio | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Warren County Ohio | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Wyandot County Ohio | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Latimer County Oklahoma | 1 | $ 43,000 | $ 43,000 | $ 16,000 |
| Muskogee County Oklahoma | 1 | $ 170,000 | $ 170,000 | $ 115,000 |
| Oklahoma County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Osage County Oklahoma | 1 | $ 274,000 | $ 274,000 | $ 85,000 |
| Spartanburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Blount County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Bradley County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Davidson County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Knox County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Loudon County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Sevier County Tennessee | 1 | $ 177,000 | $ 177,000 | $ 34,000 |
| Collin County Texas | 1 | $ 203,000 | $ 203,000 | $ 150,000 |
| Kaufman County Texas | 1 | $ 442,000 | $ 442,000 | $ 146,000 |
| New Kent County Virginia | 1 | $ 212,000 | $ 212,000 | $ 94,000 |
| Stafford County Virginia | 1 | $ 318,000 | $ 318,000 | $ 185,000 |
| Spokane County Washington | 1 | $ 52,000 | $ 52,000 | $ 196,000 |
| McDowell County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Jefferson County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Laramie County Wyoming | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2012
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 | 1,286 | $178,564,000 | $138,000 | $3,000,000 | $78,000 | $1,067,000 |
| Home Purchase | 1,075 | $137,496,000 | $127,000 | $1,730,000 | $69,000 | $1,122,000 |
| Home Improvement | 911 | $35,718,000 | $39,000 | $1,017,000 | $67,000 | $524,000 |
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 | 2,415 | $281,050,000 | $116,000 | $3,000,000 | $75,000 | $1,122,000 |
| Not Provided | 633 | $47,416,000 | $74,000 | $700,000 | $65,000 | $350,000 |
| Hispanic | 81 | $9,127,000 | $112,000 | $536,000 | $61,000 | $248,000 |
| Black or African American | 70 | $6,111,000 | $87,000 | $389,000 | $54,000 | $240,000 |
| Asian | 46 | $5,688,000 | $123,000 | $458,000 | $72,000 | $159,000 |
| Not applicable | 14 | $838,000 | $59,000 | $175,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $753,000 | $83,000 | $205,000 | $75,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $795,000 | $198,000 | $380,000 | $72,000 | $184,000 |
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) | 3,129 | $335,308,000 | $107,000 | $3,000,000 | $73,000 | $1,122,000 |
| FHA-insured (Federal Housing Administration) | 100 | $10,755,000 | $107,000 | $314,000 | $51,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,511,000 | $114,000 | $203,000 | $47,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,204,000 | $152,000 | $310,000 | $57,000 | $115,000 |
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 | 1,445 | $158,410,000 | $109,000 | $1,427,000 | $77,000 | $902,000 |
| Application Withdrawn By Applicant | 821 | $88,890,000 | $108,000 | $3,000,000 | $78,000 | $1,122,000 |
| Application Denied By Financial Institution | 482 | $42,747,000 | $88,000 | $1,730,000 | $56,000 | $941,000 |
| File Closed For Incompleteness | 282 | $39,254,000 | $139,000 | $1,400,000 | $74,000 | $900,000 |
| Preapproval Denied by Financial Institution | 231 | $20,528,000 | $88,000 | $612,000 | $45,000 | $270,000 |
| Application Approved But Not Accepted | 9 | $1,663,000 | $184,000 | $640,000 | $89,000 | $250,000 |
| Preapproval Approved but not Accepted | 2 | $286,000 | $143,000 | $238,000 | $79,000 | $113,000 |
| Loan Purchased By The 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 | 374 | $29,169,000 | $77,000 | $612,000 | $51,000 | $433,000 |
| Debt-To-Income Ratio | 120 | $12,817,000 | $106,000 | $432,000 | $44,000 | $155,000 |
| Collateral | 84 | $9,763,000 | $116,000 | $416,000 | $62,000 | $189,000 |
| Employment History | 17 | $1,853,000 | $109,000 | $402,000 | $53,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $3,553,000 | $222,000 | $1,730,000 | $114,000 | $941,000 |
| Other | 7 | $586,000 | $83,000 | $134,000 | $58,000 | $88,000 |
| Unverifiable Information | 4 | $277,000 | $69,000 | $112,000 | $32,000 | $41,000 |
| Mortgage Insurance Denied | 1 | $143,000 | $143,000 | $143,000 | $89,000 | $89,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2012 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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