United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
United Federal Credit Union 2013 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 | 3,616 |
| Total Mortgage Loan Application Amount | $366,190,000 |
| Average Mortgage Loan Application Amount | $108,666 |
| Highest Mortgage Loan Application Amount | $1,913,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $2,381,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 1,011 | $ 98,223,000 | $ 97,000 | $ 71,000 |
| Ottawa County Michigan | 161 | $ 14,464,000 | $ 89,000 | $ 69,000 |
| Iredell County North Carolina | 153 | $ 12,076,000 | $ 78,000 | $ 57,000 |
| Washoe County Nevada | 151 | $ 14,600,000 | $ 96,000 | $ 69,000 |
| Marion County Ohio | 146 | $ 7,566,000 | $ 51,000 | $ 63,000 |
| Cass County Michigan | 116 | $ 9,980,000 | $ 86,000 | $ 63,000 |
| Sebastian County Arkansas | 105 | $ 8,019,000 | $ 76,000 | $ 66,000 |
| Buncombe County North Carolina | 96 | $ 18,286,000 | $ 190,000 | $ 189,000 |
| Allegan County Michigan | 76 | $ 5,685,000 | $ 74,000 | $ 57,000 |
| Henderson County North Carolina | 71 | $ 8,541,000 | $ 120,000 | $ 75,000 |
| Lake County Indiana | 64 | $ 4,000,000 | $ 62,000 | $ 67,000 |
| Crawford County Arkansas | 63 | $ 3,204,000 | $ 50,000 | $ 60,000 |
| Le Flore County Oklahoma | 54 | $ 3,889,000 | $ 72,000 | $ 72,000 |
| Van Buren County Michigan | 49 | $ 5,001,000 | $ 102,000 | $ 63,000 |
| St. Joseph County Indiana | 46 | $ 3,734,000 | $ 81,000 | $ 81,000 |
| Kent County Michigan | 26 | $ 2,192,000 | $ 84,000 | $ 89,000 |
| Sequoyah County Oklahoma | 19 | $ 1,022,000 | $ 53,000 | $ 62,000 |
| Kalamazoo County Michigan | 11 | $ 1,644,000 | $ 149,000 | $ 155,000 |
| Morrow County Ohio | 11 | $ 881,000 | $ 80,000 | $ 49,000 |
| Franklin County Arkansas | 10 | $ 604,000 | $ 60,000 | $ 62,000 |
| Catawba County North Carolina | 10 | $ 906,000 | $ 90,000 | $ 83,000 |
| Sargent County North Dakota | 10 | $ 687,000 | $ 68,000 | $ 62,000 |
| Porter County Indiana | 9 | $ 671,000 | $ 74,000 | $ 88,000 |
| Wyandot County Ohio | 9 | $ 408,000 | $ 45,000 | $ 60,000 |
| Muskegon County Michigan | 7 | $ 269,000 | $ 38,000 | $ 64,000 |
| Alexander County North Carolina | 7 | $ 538,000 | $ 76,000 | $ 40,000 |
| Mecklenburg County North Carolina | 7 | $ 883,000 | $ 126,000 | $ 119,000 |
| Elkhart County Indiana | 6 | $ 445,000 | $ 74,000 | $ 72,000 |
| Lyon County Nevada | 6 | $ 358,000 | $ 59,000 | $ 48,000 |
| Haywood County North Carolina | 6 | $ 616,000 | $ 102,000 | $ 86,000 |
| LaPorte County Indiana | 5 | $ 274,000 | $ 54,000 | $ 54,000 |
| Union County Ohio | 5 | $ 278,000 | $ 55,000 | $ 157,000 |
| York County South Carolina | 5 | $ 680,000 | $ 136,000 | $ 128,000 |
| Oakland County Michigan | 4 | $ 322,000 | $ 80,000 | $ 153,000 |
| Davie County North Carolina | 4 | $ 508,000 | $ 127,000 | $ 99,000 |
| Polk County North Carolina | 4 | $ 881,000 | $ 220,000 | $ 79,000 |
| Maricopa County Arizona | 3 | $ 755,000 | $ 251,000 | $ 139,000 |
| Placer County California | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| Plumas County California | 3 | $ 236,000 | $ 78,000 | $ 143,000 |
| Cook County Illinois | 3 | $ 480,000 | $ 160,000 | $ 124,000 |
| Barry County Michigan | 3 | $ 455,000 | $ 151,000 | $ 70,000 |
| Clark County Nevada | 3 | $ 70,000 | $ 23,000 | $ 63,000 |
| Douglas County Nevada | 3 | $ 704,000 | $ 234,000 | $ 142,000 |
| Pershing County Nevada | 3 | $ 186,000 | $ 62,000 | $ 83,000 |
| Lincoln County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 80,000 |
| Rowan County North Carolina | 3 | $ 476,000 | $ 158,000 | $ 61,000 |
| Transylvania County North Carolina | 3 | $ 2,120,000 | $ 706,000 | $ 71,000 |
| Crawford County Ohio | 3 | $ 189,000 | $ 63,000 | $ 29,000 |
| Haskell County Oklahoma | 3 | $ 300,000 | $ 100,000 | $ 79,000 |
| Garland County Arkansas | 2 | $ 464,000 | $ 232,000 | $ 207,000 |
| Johnson County Arkansas | 2 | $ 16,000 | $ 8,000 | $ 45,000 |
| Polk County Arkansas | 2 | $ 128,000 | $ 64,000 | $ 31,000 |
| Pulaski County Arkansas | 2 | $ 52,000 | $ 26,000 | $ 96,000 |
| Scott County Arkansas | 2 | $ 30,000 | $ 15,000 | $ 27,000 |
| Riverside County California | 2 | $ 267,000 | $ 133,000 | $ 84,000 |
| Broward County Florida | 2 | $ 135,000 | $ 67,000 | $ 78,000 |
| Miami-Dade County Florida | 2 | $ 300,000 | $ 150,000 | $ 288,000 |
| Kosciusko County Indiana | 2 | $ 120,000 | $ 60,000 | $ 54,000 |
| Starke County Indiana | 2 | $ 232,000 | $ 116,000 | $ 133,000 |
| Arenac County Michigan | 2 | $ 293,000 | $ 146,000 | $ 45,000 |
| Lake County Michigan | 2 | $ 100,000 | $ 50,000 | $ 112,000 |
| Mason County Michigan | 2 | $ 115,000 | $ 57,000 | $ 43,000 |
| St. Joseph County Michigan | 2 | $ 350,000 | $ 175,000 | $ 143,000 |
| Washtenaw County Michigan | 2 | $ 266,000 | $ 133,000 | $ 49,000 |
| Cabarrus County North Carolina | 2 | $ 171,000 | $ 85,000 | $ 58,000 |
| Caldwell County North Carolina | 2 | $ 294,000 | $ 147,000 | $ 80,000 |
| Gaston County North Carolina | 2 | $ 135,000 | $ 67,000 | $ 96,000 |
| Jackson County North Carolina | 2 | $ 125,000 | $ 62,000 | $ 100,000 |
| McDowell County North Carolina | 2 | $ 22,000 | $ 11,000 | $ 83,000 |
| Rutherford County North Carolina | 2 | $ 93,000 | $ 46,000 | $ 366,000 |
| Stanly County North Carolina | 2 | $ 256,000 | $ 128,000 | $ 74,000 |
| Surry County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 60,000 |
| Wake County North Carolina | 2 | $ 327,000 | $ 163,000 | $ 108,000 |
| Wilkes County North Carolina | 2 | $ 167,000 | $ 83,000 | $ 78,000 |
| Cass County North Dakota | 2 | $ 203,000 | $ 101,000 | $ 108,000 |
| Hancock County Ohio | 2 | $ 645,000 | $ 322,000 | $ 134,000 |
| Hardin County Ohio | 2 | $ 115,000 | $ 57,000 | $ 52,000 |
| Richland County Ohio | 2 | $ 258,000 | $ 129,000 | $ 92,000 |
| Latimer County Oklahoma | 2 | $ 97,000 | $ 48,000 | $ 39,000 |
| Charleston County South Carolina | 2 | $ 428,000 | $ 214,000 | $ 97,000 |
| Greene County Tennessee | 2 | $ 276,000 | $ 138,000 | $ 55,000 |
| Milwaukee County Wisconsin | 2 | $ 642,000 | $ 321,000 | $ 165,000 |
| St. Croix County Wisconsin | 2 | $ 829,000 | $ 414,000 | $ 171,000 |
| Pinal County Arizona | 1 | $ 309,000 | $ 309,000 | $ 69,000 |
| Yuma County Arizona | 1 | $ 114,000 | $ 114,000 | $ 56,000 |
| Benton County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Cleburne County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Sharp County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 14,000 |
| Stone County Arkansas | 1 | $ 210,000 | $ 210,000 | $ 91,000 |
| Washington County Arkansas | 1 | $ 22,000 | $ 22,000 | $ 59,000 |
| Butte County California | 1 | $ 56,000 | $ 56,000 | $ 54,000 |
| Nevada County California | 1 | $ 112,000 | $ 112,000 | $ 173,000 |
| Orange County California | 1 | $ 357,000 | $ 357,000 | $ 85,000 |
| Santa Clara County California | 1 | $ 45,000 | $ 45,000 | $ 271,000 |
| Adams County Colorado | 1 | $ 111,000 | $ 111,000 | $ 43,000 |
| Arapahoe County Colorado | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Denver County Colorado | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Grand County Colorado | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Jefferson County Colorado | 1 | $ 352,000 | $ 352,000 | $ 160,000 |
| Brevard County Florida | 1 | $ 214,000 | $ 214,000 | $ 35,000 |
| Citrus County Florida | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Manatee County Florida | 1 | $ 70,000 | $ 70,000 | $ 106,000 |
| Orange County Florida | 1 | $ 68,000 | $ 68,000 | $ 127,000 |
| Pinellas County Florida | 1 | $ 247,000 | $ 247,000 | $ 129,000 |
| Sarasota County Florida | 1 | $ 172,000 | $ 172,000 | $ 18,000 |
| St. Johns County Florida | 1 | $ 500,000 | $ 500,000 | $ 378,000 |
| Coweta County Georgia | 1 | $ 121,000 | $ 121,000 | $ 84,000 |
| Fulton County Georgia | 1 | $ 290,000 | $ 290,000 | $ 96,000 |
| Fremont County Idaho | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Kootenai County Idaho | 1 | $ 280,000 | $ 280,000 | $ 106,000 |
| DuPage County Illinois | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Howard County Indiana | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Parke County Indiana | 1 | $ 21,000 | $ 21,000 | $ 58,000 |
| Warrick County Indiana | 1 | $ 20,000 | $ 20,000 | $ 115,000 |
| Johnson County Iowa | 1 | $ 340,000 | $ 340,000 | $ 90,000 |
| Casey County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 89,000 |
| Mason County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Essex County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 104,000 |
| Suffolk County Massachusetts | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Alpena County Michigan | 1 | $ 64,000 | $ 64,000 | $ 52,000 |
| Calhoun County Michigan | 1 | $ 42,000 | $ 42,000 | $ 40,000 |
| Chippewa County Michigan | 1 | $ 57,000 | $ 57,000 | $ 53,000 |
| Eaton County Michigan | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Grand Traverse County Michigan | 1 | $ 49,000 | $ 49,000 | $ 44,000 |
| Iosco County Michigan | 1 | $ 116,000 | $ 116,000 | $ 51,000 |
| Lenawee County Michigan | 1 | $ 95,000 | $ 95,000 | $ 258,000 |
| Oceana County Michigan | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
| Osceola County Michigan | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| St. Clair County Michigan | 1 | $ 22,000 | $ 22,000 | $ 65,000 |
| Sanders County Montana | 1 | $ 154,000 | $ 154,000 | $ 87,000 |
| Douglas County Nebraska | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Carson City County Nevada | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| Elko County Nevada | 1 | $ 131,000 | $ 131,000 | $ 80,000 |
| Eureka County Nevada | 1 | $ 193,000 | $ 193,000 | $ 135,000 |
| Humboldt County Nevada | 1 | $ 52,000 | $ 52,000 | $ 267,000 |
| Lander County Nevada | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Monmouth County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Alamance County North Carolina | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| Brunswick County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Davidson County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 143,000 |
| Forsyth County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 416,000 |
| Graham County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 121,000 |
| Guilford County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 416,000 |
| Swain County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Union County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Yadkin County North Carolina | 1 | $ 304,000 | $ 304,000 | $ 134,000 |
| Yancey County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Ransom County North Dakota | 1 | $ 58,000 | $ 58,000 | $ 24,000 |
| Cuyahoga County Ohio | 1 | $ 172,000 | $ 172,000 | $ 230,000 |
| Delaware County Ohio | 1 | $ 30,000 | $ 30,000 | $ 118,000 |
| Lorain County Ohio | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Miami County Ohio | 1 | $ 96,000 | $ 96,000 | $ 33,000 |
| Stark County Ohio | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Oklahoma County Oklahoma | 1 | $ 214,000 | $ 214,000 | $ 65,000 |
| Rogers County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Wagoner County Oklahoma | 1 | $ 257,000 | $ 257,000 | $ 113,000 |
| Coos County Oregon | 1 | $ 84,000 | $ 84,000 | $ 37,000 |
| Deschutes County Oregon | 1 | $ 26,000 | $ 26,000 | $ 71,000 |
| Malheur County Oregon | 1 | $ 96,000 | $ 96,000 | $ 72,000 |
| Beaufort County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 93,000 |
| Dorchester County South Carolina | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Horry County South Carolina | 1 | $ 371,000 | $ 371,000 | $ 2,381,000 |
| Oconee County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 93,000 |
| Pickens County South Carolina | 1 | $ 202,000 | $ 202,000 | $ 212,000 |
| Spartanburg County South Carolina | 1 | $ 926,000 | $ 926,000 | $ 505,000 |
| Marshall County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Bradley County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 82,000 |
| Cumberland County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Davidson County Tennessee | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Hamilton County Tennessee | 1 | $ 238,000 | $ 238,000 | $ 63,000 |
| Sullivan County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Williamson County Tennessee | 1 | $ 460,000 | $ 460,000 | $ 237,000 |
| Dallas County Texas | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Harris County Texas | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Travis County Texas | 1 | $ 351,000 | $ 351,000 | $ 125,000 |
| Tyler County Texas | 1 | $ 95,000 | $ 95,000 | $ 220,000 |
| Chesterfield County Virginia | 1 | $ 247,000 | $ 247,000 | $ 147,000 |
| Fairfax County Virginia | 1 | $ 201,000 | $ 201,000 | $ 158,000 |
| Hanover County Virginia | 1 | $ 361,000 | $ 361,000 | $ 152,000 |
| New Kent County Virginia | 1 | $ 201,000 | $ 201,000 | $ 93,000 |
| Jefferson County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 150,000 |
| Racine County Wisconsin | 1 | $ 131,000 | $ 131,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2013
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 | 2,105 | $176,657,000 | $83,000 | $1,267,000 | $75,000 | $2,381,000 |
| Home Purchase | 1,375 | $173,534,000 | $126,000 | $1,420,000 | $68,000 | $1,109,000 |
| Refinancing | 136 | $15,999,000 | $117,000 | $1,913,000 | $69,000 | $316,000 |
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 | 2,543 | $269,882,000 | $106,000 | $1,913,000 | $74,000 | $2,381,000 |
| Not Provided | 778 | $67,179,000 | $86,000 | $1,420,000 | $72,000 | $1,158,000 |
| Hispanic | 129 | $14,925,000 | $115,000 | $651,000 | $65,000 | $470,000 |
| Black or African American | 73 | $5,457,000 | $74,000 | $385,000 | $53,000 | $183,000 |
| Asian | 37 | $4,637,000 | $125,000 | $536,000 | $76,000 | $190,000 |
| Not applicable | 33 | $2,102,000 | $63,000 | $250,000 | $19,000 | $345,000 |
| American Indian or Alaskan Native | 18 | $1,363,000 | $75,000 | $342,000 | $96,000 | $552,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $645,000 | $129,000 | $190,000 | $83,000 | $150,000 |
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 | $342,986,000 | $100,000 | $1,913,000 | $74,000 | $2,381,000 |
| FHA-insured (Federal Housing Administration) | 157 | $17,236,000 | $109,000 | $321,000 | $47,000 | $316,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,511,000 | $117,000 | $480,000 | $43,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,457,000 | $129,000 | $200,000 | $46,000 | $109,000 |
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 | 1,636 | $162,737,000 | $99,000 | $1,267,000 | $80,000 | $2,381,000 |
| Application Withdrawn By Applicant | 890 | $85,542,000 | $96,000 | $938,000 | $74,000 | $1,158,000 |
| Application Denied By Financial Institution | 692 | $68,163,000 | $98,000 | $1,913,000 | $58,000 | $910,000 |
| File Closed For Incompleteness | 383 | $48,139,000 | $125,000 | $1,420,000 | $60,000 | $550,000 |
| Application Approved But Not Accepted | 15 | $1,609,000 | $107,000 | $313,000 | $69,000 | $132,000 |
| 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 | 325 | $26,970,000 | $82,000 | $364,000 | $58,000 | $552,000 |
| Debt-To-Income Ratio | 164 | $20,276,000 | $123,000 | $1,913,000 | $43,000 | $160,000 |
| Collateral | 55 | $7,837,000 | $142,000 | $810,000 | $92,000 | $910,000 |
| Credit Application Incomplete | 53 | $5,966,000 | $112,000 | $261,000 | $59,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $1,715,000 | $95,000 | $200,000 | $45,000 | $75,000 |
| Employment History | 11 | $929,000 | $84,000 | $160,000 | $34,000 | $50,000 |
| Unverifiable Information | 6 | $384,000 | $64,000 | $212,000 | $61,000 | $110,000 |
| Other | 5 | $988,000 | $197,000 | $351,000 | $107,000 | $220,000 |
| Mortgage Insurance Denied | 2 | $242,000 | $121,000 | $138,000 | $69,000 | $74,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2013 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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