United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
United Federal Credit Union 2014 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 | 2,524 |
| Total Mortgage Loan Application Amount | $304,039,000 |
| Average Mortgage Loan Application Amount | $100,333 |
| Highest Mortgage Loan Application Amount | $2,238,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,572,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 605 | $ 72,235,000 | $ 119,000 | $ 74,000 |
| Washoe County Nevada | 184 | $ 24,261,000 | $ 131,000 | $ 84,000 |
| Marion County Ohio | 110 | $ 7,220,000 | $ 65,000 | $ 51,000 |
| Sebastian County Arkansas | 100 | $ 7,323,000 | $ 73,000 | $ 63,000 |
| Ottawa County Michigan | 85 | $ 10,211,000 | $ 120,000 | $ 61,000 |
| Iredell County North Carolina | 69 | $ 6,937,000 | $ 100,000 | $ 58,000 |
| Buncombe County North Carolina | 54 | $ 9,312,000 | $ 172,000 | $ 154,000 |
| Crawford County Arkansas | 50 | $ 3,657,000 | $ 73,000 | $ 61,000 |
| Cass County Michigan | 45 | $ 5,413,000 | $ 120,000 | $ 78,000 |
| Le Flore County Oklahoma | 34 | $ 2,900,000 | $ 85,000 | $ 59,000 |
| Henderson County North Carolina | 32 | $ 3,848,000 | $ 120,000 | $ 79,000 |
| Lake County Indiana | 30 | $ 3,086,000 | $ 102,000 | $ 72,000 |
| Allegan County Michigan | 30 | $ 4,442,000 | $ 148,000 | $ 66,000 |
| St. Joseph County Indiana | 29 | $ 3,591,000 | $ 123,000 | $ 64,000 |
| Van Buren County Michigan | 21 | $ 1,128,000 | $ 53,000 | $ 88,000 |
| Mecklenburg County North Carolina | 19 | $ 2,075,000 | $ 109,000 | $ 130,000 |
| Sequoyah County Oklahoma | 16 | $ 1,072,000 | $ 67,000 | $ 71,000 |
| Kent County Michigan | 14 | $ 1,209,000 | $ 86,000 | $ 77,000 |
| Morrow County Ohio | 8 | $ 595,000 | $ 74,000 | $ 55,000 |
| Lyon County Nevada | 7 | $ 597,000 | $ 85,000 | $ 66,000 |
| Union County Ohio | 7 | $ 383,000 | $ 54,000 | $ 50,000 |
| Cook County Illinois | 6 | $ 1,468,000 | $ 244,000 | $ 115,000 |
| Johnson County Iowa | 6 | $ 852,000 | $ 142,000 | $ 118,000 |
| Kalamazoo County Michigan | 6 | $ 981,000 | $ 163,000 | $ 75,000 |
| Elkhart County Indiana | 5 | $ 473,000 | $ 94,000 | $ 22,000 |
| Franklin County Ohio | 5 | $ 652,000 | $ 130,000 | $ 78,000 |
| Franklin County Arkansas | 4 | $ 310,000 | $ 77,000 | $ 66,000 |
| LaPorte County Indiana | 4 | $ 305,000 | $ 76,000 | $ 60,000 |
| Storey County Nevada | 4 | $ 708,000 | $ 177,000 | $ 68,000 |
| Alexander County North Carolina | 4 | $ 298,000 | $ 74,000 | $ 37,000 |
| Catawba County North Carolina | 4 | $ 539,000 | $ 134,000 | $ 70,000 |
| Pickens County South Carolina | 4 | $ 8,172,000 | $ 2,043,000 | $ 1,197,000 |
| Muskegon County Michigan | 3 | $ 341,000 | $ 113,000 | $ 54,000 |
| Churchill County Nevada | 3 | $ 390,000 | $ 130,000 | $ 96,000 |
| Clark County Nevada | 3 | $ 300,000 | $ 100,000 | $ 54,000 |
| Burke County North Carolina | 3 | $ 240,000 | $ 80,000 | $ 52,000 |
| Davie County North Carolina | 3 | $ 169,000 | $ 56,000 | $ 44,000 |
| Union County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 189,000 |
| Wyandot County Ohio | 3 | $ 198,000 | $ 66,000 | $ 46,000 |
| Haskell County Oklahoma | 3 | $ 52,000 | $ 17,000 | $ 68,000 |
| Monroe County Pennsylvania | 3 | $ 1,254,000 | $ 418,000 | $ 207,000 |
| Chittenden County Vermont | 3 | $ 891,000 | $ 297,000 | $ 273,000 |
| Logan County Arkansas | 2 | $ 118,000 | $ 59,000 | $ 63,000 |
| Washington County Arkansas | 2 | $ 109,000 | $ 54,000 | $ 87,000 |
| Lassen County California | 2 | $ 66,000 | $ 33,000 | $ 78,000 |
| Jefferson County Colorado | 2 | $ 107,000 | $ 53,000 | $ 196,000 |
| Marion County Florida | 2 | $ 237,000 | $ 118,000 | $ 29,000 |
| Polk County Florida | 2 | $ 336,000 | $ 168,000 | $ 70,000 |
| Cobb County Georgia | 2 | $ 637,000 | $ 318,000 | $ 207,000 |
| Kane County Illinois | 2 | $ 192,000 | $ 96,000 | $ 110,000 |
| Porter County Indiana | 2 | $ 343,000 | $ 171,000 | $ 54,000 |
| Linn County Iowa | 2 | $ 131,000 | $ 65,000 | $ 75,000 |
| Jefferson County Kentucky | 2 | $ 118,000 | $ 59,000 | $ 207,000 |
| Barry County Michigan | 2 | $ 79,000 | $ 39,000 | $ 50,000 |
| Genesee County Michigan | 2 | $ 239,000 | $ 119,000 | $ 125,000 |
| Wayne County Michigan | 2 | $ 128,000 | $ 64,000 | $ 57,000 |
| Dakota County Minnesota | 2 | $ 493,000 | $ 246,000 | $ 214,000 |
| Jasper County Missouri | 2 | $ 241,000 | $ 120,000 | $ 147,000 |
| Carson City County Nevada | 2 | $ 79,000 | $ 39,000 | $ 109,000 |
| Douglas County Nevada | 2 | $ 608,000 | $ 304,000 | $ 120,000 |
| Chenango County New York | 2 | $ 96,000 | $ 48,000 | $ 72,000 |
| Caldwell County North Carolina | 2 | $ 277,000 | $ 138,000 | $ 71,000 |
| Wake County North Carolina | 2 | $ 234,000 | $ 117,000 | $ 157,000 |
| Wilkes County North Carolina | 2 | $ 33,000 | $ 16,000 | $ 34,000 |
| Crawford County Ohio | 2 | $ 81,000 | $ 40,000 | $ 43,000 |
| Delaware County Ohio | 2 | $ 296,000 | $ 148,000 | $ 142,000 |
| York County South Carolina | 2 | $ 148,000 | $ 74,000 | $ 121,000 |
| Bradley County Tennessee | 2 | $ 252,000 | $ 126,000 | $ 103,000 |
| Hidalgo County Texas | 2 | $ 168,000 | $ 84,000 | $ 42,000 |
| Maricopa County Arizona | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Benton County Arkansas | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Conway County Arkansas | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Drew County Arkansas | 1 | $ 48,000 | $ 48,000 | $ 42,000 |
| Garland County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Jefferson County Arkansas | 1 | $ 46,000 | $ 46,000 | $ 72,000 |
| Poinsett County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Saline County Arkansas | 1 | $ 97,000 | $ 97,000 | $ 62,000 |
| Scott County Arkansas | 1 | $ 32,000 | $ 32,000 | $ 53,000 |
| White County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Contra Costa County California | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Placer County California | 1 | $ 11,000 | $ 11,000 | $ 77,000 |
| Denver County Colorado | 1 | $ 58,000 | $ 58,000 | $ 60,000 |
| Larimer County Colorado | 1 | $ 417,000 | $ 417,000 | $ 221,000 |
| Weld County Colorado | 1 | $ 160,000 | $ 160,000 | $ 46,000 |
| Broward County Florida | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Collier County Florida | 1 | $ 124,000 | $ 124,000 | $ 88,000 |
| Flagler County Florida | 1 | $ 212,000 | $ 212,000 | $ 215,000 |
| Hernando County Florida | 1 | $ 52,000 | $ 52,000 | $ 9,000 |
| Hillsborough County Florida | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| Lee County Florida | 1 | $ 250,000 | $ 250,000 | $ 271,000 |
| Miami-Dade County Florida | 1 | $ 632,000 | $ 632,000 | $ 154,000 |
| Okaloosa County Florida | 1 | $ 157,000 | $ 157,000 | $ 46,000 |
| Orange County Florida | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Osceola County Florida | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Sarasota County Florida | 1 | $ 180,000 | $ 180,000 | $ 73,000 |
| Cherokee County Georgia | 1 | $ 98,000 | $ 98,000 | $ 39,000 |
| Elbert County Georgia | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Lake County Illinois | 1 | $ 464,000 | $ 464,000 | $ 180,000 |
| LaSalle County Illinois | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Marshall County Indiana | 1 | $ 54,000 | $ 54,000 | $ 33,000 |
| Perry County Indiana | 1 | $ 96,000 | $ 96,000 | $ 99,000 |
| Daviess County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 80,000 |
| Fayette County Kentucky | 1 | $ 134,000 | $ 134,000 | $ 105,000 |
| Floyd County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Anne Arundel County Maryland | 1 | $ 189,000 | $ 189,000 | $ 86,000 |
| Calhoun County Michigan | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Eaton County Michigan | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Kalkaska County Michigan | 1 | $ 91,000 | $ 91,000 | $ 107,000 |
| Lake County Michigan | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Livingston County Michigan | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Macomb County Michigan | 1 | $ 124,000 | $ 124,000 | $ 93,000 |
| Mason County Michigan | 1 | $ 73,000 | $ 73,000 | $ 52,000 |
| Newaygo County Michigan | 1 | $ 79,000 | $ 79,000 | $ 64,000 |
| Oakland County Michigan | 1 | $ 83,000 | $ 83,000 | $ 72,000 |
| Otsego County Michigan | 1 | $ 101,000 | $ 101,000 | $ 68,000 |
| Wright County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Lawrence County Missouri | 1 | $ 56,000 | $ 56,000 | $ 57,000 |
| Nye County Nevada | 1 | $ 28,000 | $ 28,000 | $ 87,000 |
| St. Lawrence County New York | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Cabarrus County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 78,000 |
| Cleveland County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Cumberland County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 90,000 |
| Durham County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 152,000 |
| Haywood County North Carolina | 1 | $ 26,000 | $ 26,000 | $ 104,000 |
| Jackson County North Carolina | 1 | $ 1,680,000 | $ 1,680,000 | $ 291,000 |
| Lincoln County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 108,000 |
| Madison County North Carolina | 1 | $ 41,000 | $ 41,000 | $ 126,000 |
| Rutherford County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 109,000 |
| Sampson County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Watauga County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Yadkin County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Sargent County North Dakota | 1 | $ 91,000 | $ 91,000 | $ 108,000 |
| Darke County Ohio | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Hardin County Ohio | 1 | $ 54,000 | $ 54,000 | $ 32,000 |
| Knox County Ohio | 1 | $ 17,000 | $ 17,000 | $ 43,000 |
| Miami County Ohio | 1 | $ 375,000 | $ 375,000 | $ 177,000 |
| Sandusky County Ohio | 1 | $ 217,000 | $ 217,000 | $ 167,000 |
| Cherokee County Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 237,000 |
| Cleveland County Oklahoma | 1 | $ 14,000 | $ 14,000 | $ 44,000 |
| Muskogee County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
| Tulsa County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Horry County South Carolina | 1 | $ 141,000 | $ 141,000 | $ 105,000 |
| Lincoln County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Sevier County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 177,000 |
| Upshur County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2014
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 Purchase | 1,461 | $209,469,000 | $143,000 | $2,238,000 | $76,000 | $1,572,000 |
| Refinancing | 654 | $79,168,000 | $121,000 | $1,680,000 | $67,000 | $783,000 |
| Home Improvement | 409 | $15,402,000 | $37,000 | $357,000 | $73,000 | $957,000 |
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 | 1,899 | $240,237,000 | $126,000 | $2,238,000 | $76,000 | $1,572,000 |
| Not Provided | 358 | $35,548,000 | $99,000 | $740,000 | $68,000 | $957,000 |
| Black or African American | 98 | $7,321,000 | $74,000 | $402,000 | $51,000 | $410,000 |
| Hispanic | 98 | $11,844,000 | $120,000 | $632,000 | $65,000 | $204,000 |
| Asian | 33 | $5,424,000 | $164,000 | $533,000 | $77,000 | $270,000 |
| American Indian or Alaskan Native | 22 | $1,893,000 | $86,000 | $225,000 | $49,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,553,000 | $141,000 | $300,000 | $83,000 | $172,000 |
| Not applicable | 5 | $219,000 | $43,000 | $80,000 | $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) | 2,279 | $274,489,000 | $120,000 | $2,238,000 | $76,000 | $1,572,000 |
| FHA-insured (Federal Housing Administration) | 163 | $18,695,000 | $114,000 | $321,000 | $50,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $6,285,000 | $128,000 | $367,000 | $48,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 33 | $4,570,000 | $138,000 | $279,000 | $58,000 | $112,000 |
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 | 1,113 | $138,427,000 | $124,000 | $2,160,000 | $82,000 | $1,205,000 |
| Application Withdrawn By Applicant | 676 | $81,240,000 | $120,000 | $2,238,000 | $73,000 | $1,560,000 |
| Application Denied By Financial Institution | 487 | $47,080,000 | $96,000 | $1,536,000 | $57,000 | $1,572,000 |
| File Closed For Incompleteness | 235 | $34,871,000 | $148,000 | $2,238,000 | $69,000 | $453,000 |
| Application Approved But Not Accepted | 13 | $2,421,000 | $186,000 | $621,000 | $109,000 | $490,000 |
| 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 | 250 | $21,621,000 | $86,000 | $740,000 | $56,000 | $957,000 |
| Debt-To-Income Ratio | 119 | $12,821,000 | $107,000 | $390,000 | $46,000 | $142,000 |
| Collateral | 58 | $5,121,000 | $88,000 | $625,000 | $64,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,738,000 | $124,000 | $367,000 | $49,000 | $86,000 |
| Employment History | 13 | $905,000 | $69,000 | $163,000 | $50,000 | $220,000 |
| Other | 11 | $2,514,000 | $228,000 | $1,536,000 | $191,000 | $1,572,000 |
| Unverifiable Information | 7 | $441,000 | $63,000 | $152,000 | $94,000 | $228,000 |
| Mortgage Insurance Denied | 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 2014 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.