United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015

United Federal Credit Union 2015 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 3,543
Total Mortgage Loan Application Amount $502,539,000
Average Mortgage Loan Application Amount $119,666
Highest Mortgage Loan Application Amount $2,363,000
Average Applicant Income $79,000
Highest Applicant Income $2,988,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.

Mortgage Loan Application Totals for United Federal Credit Union by County in 2015

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 715 $ 97,798,000 $ 136,000 $ 77,000
Washoe County Nevada 344 $ 65,135,000 $ 189,000 $ 92,000
Ottawa County Michigan 145 $ 17,171,000 $ 118,000 $ 58,000
Marion County Ohio 98 $ 6,264,000 $ 63,000 $ 55,000
Sebastian County Arkansas 81 $ 7,202,000 $ 88,000 $ 65,000
Cass County Michigan 79 $ 9,470,000 $ 119,000 $ 74,000
Crawford County Arkansas 73 $ 6,247,000 $ 85,000 $ 64,000
Iredell County North Carolina 70 $ 7,955,000 $ 113,000 $ 60,000
Henderson County North Carolina 60 $ 13,399,000 $ 223,000 $ 144,000
Allegan County Michigan 56 $ 6,476,000 $ 115,000 $ 68,000
Buncombe County North Carolina 50 $ 17,379,000 $ 347,000 $ 179,000
Lake County Indiana 48 $ 4,869,000 $ 101,000 $ 65,000
St. Joseph County Indiana 44 $ 4,639,000 $ 105,000 $ 68,000
Van Buren County Michigan 30 $ 2,550,000 $ 85,000 $ 59,000
Le Flore County Oklahoma 28 $ 2,345,000 $ 83,000 $ 68,000
Lyon County Nevada 18 $ 2,185,000 $ 121,000 $ 59,000
Kent County Michigan 15 $ 1,618,000 $ 107,000 $ 71,000
Kalamazoo County Michigan 12 $ 1,813,000 $ 151,000 $ 100,000
Sequoyah County Oklahoma 10 $ 441,000 $ 44,000 $ 66,000
Carson City County Nevada 8 $ 1,796,000 $ 224,000 $ 66,000
Morrow County Ohio 8 $ 397,000 $ 49,000 $ 60,000
Franklin County Ohio 7 $ 704,000 $ 100,000 $ 66,000
Porter County Indiana 6 $ 1,181,000 $ 196,000 $ 118,000
Lake County Michigan 6 $ 433,000 $ 72,000 $ 139,000
Franklin County Arkansas 5 $ 495,000 $ 99,000 $ 69,000
Washington County Arkansas 5 $ 502,000 $ 100,000 $ 54,000
Barry County Michigan 4 $ 749,000 $ 187,000 $ 81,000
St. Joseph County Michigan 4 $ 416,000 $ 104,000 $ 76,000
Washtenaw County Michigan 4 $ 753,000 $ 188,000 $ 97,000
Wayne County Michigan 4 $ 470,000 $ 117,000 $ 124,000
Clark County Nevada 4 $ 1,623,000 $ 405,000 $ 217,000
Delaware County Ohio 4 $ 200,000 $ 50,000 $ 65,000
Logan County Arkansas 3 $ 276,000 $ 92,000 $ 45,000
Nevada County California 3 $ 574,000 $ 191,000 $ 141,000
Cook County Illinois 3 $ 1,175,000 $ 391,000 $ 107,000
Elkhart County Indiana 3 $ 247,000 $ 82,000 $ 60,000
Johnson County Iowa 3 $ 791,000 $ 263,000 $ 124,000
Storey County Nevada 3 $ 753,000 $ 251,000 $ 144,000
Alexander County North Carolina 3 $ 231,000 $ 77,000 $ 30,000
Haywood County North Carolina 3 $ 348,000 $ 116,000 $ 45,000
Mecklenburg County North Carolina 3 $ 1,129,000 $ 376,000 $ 177,000
Crawford County Ohio 3 $ 111,000 $ 37,000 $ 75,000
Union County Ohio 3 $ 327,000 $ 109,000 $ 90,000
Wyandot County Ohio 3 $ 152,000 $ 50,000 $ 48,000
Oklahoma County Oklahoma 3 $ 438,000 $ 146,000 $ 80,000
Maricopa County Arizona 2 $ 398,000 $ 199,000 $ 81,000
Benton County Arkansas 2 $ 345,000 $ 172,000 $ 83,000
White County Arkansas 2 $ 141,000 $ 70,000 $ 76,000
Yell County Arkansas 2 $ 65,000 $ 32,000 $ 57,000
Broward County Florida 2 $ 730,000 $ 365,000 $ 135,000
Orange County Florida 2 $ 226,000 $ 113,000 $ 59,000
Coweta County Georgia 2 $ 226,000 $ 113,000 $ 37,000
Benzie County Michigan 2 $ 145,000 $ 72,000 $ 61,000
Calhoun County Michigan 2 $ 231,000 $ 115,000 $ 40,000
Genesee County Michigan 2 $ 172,000 $ 86,000 $ 75,000
Ingham County Michigan 2 $ 143,000 $ 71,000 $ 160,000
Livingston County Michigan 2 $ 331,000 $ 165,000 $ 104,000
Newaygo County Michigan 2 $ 141,000 $ 70,000 $ 75,000
Oakland County Michigan 2 $ 391,000 $ 195,000 $ 80,000
Douglas County Nevada 2 $ 184,000 $ 92,000 $ 46,000
Lander County Nevada 2 $ 410,000 $ 205,000 $ 102,000
Catawba County North Carolina 2 $ 205,000 $ 102,000 $ 35,000
Davie County North Carolina 2 $ 122,000 $ 61,000 $ 19,000
Polk County North Carolina 2 $ 568,000 $ 284,000 $ 116,000
Rowan County North Carolina 2 $ 176,000 $ 88,000 $ 72,000
Transylvania County North Carolina 2 $ 793,000 $ 396,000 $ 122,000
Wilkes County North Carolina 2 $ 102,000 $ 51,000 $ 33,000
Hancock County Ohio 2 $ 688,000 $ 344,000 $ 141,000
Warren County Ohio 2 $ 270,000 $ 135,000 $ 46,000
Haskell County Oklahoma 2 $ 120,000 $ 60,000 $ 39,000
Monroe County Pennsylvania 2 $ 439,000 $ 219,000 $ 294,000
Sevier County Tennessee 2 $ 235,000 $ 117,000 $ 55,000
Outagamie County Wisconsin 2 $ 1,160,000 $ 580,000 $ 190,000
Baldwin County Alabama 1 $ 80,000 $ 80,000 $ 83,000
Cullman County Alabama 1 $ 56,000 $ 56,000 $ 29,000
Coconino County Arizona 1 $ 214,000 $ 214,000 $ 70,000
Pinal County Arizona 1 $ 59,000 $ 59,000 $ 47,000
Carroll County Arkansas 1 $ 390,000 $ 390,000 $ 125,000
Craighead County Arkansas 1 $ 235,000 $ 235,000 $ 134,000
Faulkner County Arkansas 1 $ 90,000 $ 90,000 $ 59,000
Marion County Arkansas 1 $ 64,000 $ 64,000 $ 151,000
Saline County Arkansas 1 $ 143,000 $ 143,000 $ 34,000
Scott County Arkansas 1 $ 84,000 $ 84,000 $ 36,000
Plumas County California 1 $ 144,000 $ 144,000 $ 35,000
Santa Clara County California 1 $ 1,500,000 $ 1,500,000 $ 311,000
Sierra County California 1 $ 183,000 $ 183,000 $ 91,000
Denver County Colorado 1 $ 15,000 $ 15,000 $ 63,000
Jefferson County Colorado 1 $ 194,000 $ 194,000 $ 108,000
Weld County Colorado 1 $ 333,000 $ 333,000 $ 93,000
Bay County Florida 1 $ 106,000 $ 106,000 $ 212,000
Collier County Florida 1 $ 2,350,000 $ 2,350,000 $ 955,000
Miami-Dade County Florida 1 $ 456,000 $ 456,000 $ 135,000
Palm Beach County Florida 1 $ 288,000 $ 288,000 $ 170,000
Walton County Florida 1 $ 252,000 $ 252,000 $ 274,000
Chatham County Georgia 1 $ 156,000 $ 156,000 $ 268,000
DuPage County Illinois 1 $ 50,000 $ 50,000 $ 72,000
Will County Illinois 1 $ 232,000 $ 232,000 $ 185,000
Carroll County Indiana 1 $ 323,000 $ 323,000 $ 97,000
Huntington County Indiana 1 $ 77,000 $ 77,000 $ 38,000
Madison County Indiana 1 $ 51,000 $ 51,000 $ 32,000
Morgan County Indiana 1 $ 70,000 $ 70,000 $ 150,000
Owen County Indiana 1 $ 90,000 $ 90,000 $ 69,000
Parke County Indiana 1 $ 68,000 $ 68,000 $ 34,000
Dallas County Iowa 1 $ 85,000 $ 85,000 $ 184,000
Franklin County Kentucky 1 $ 140,000 $ 140,000 $ 74,000
Jessamine County Kentucky 1 $ 400,000 $ 400,000 $ 250,000
Sagadahoc County Maine 1 $ 10,000 $ 10,000 $ 224,000
Crawford County Michigan 1 $ 30,000 $ 30,000 $ 34,000
Eaton County Michigan 1 $ 95,000 $ 95,000 $ 40,000
Hillsdale County Michigan 1 $ 10,000 $ 10,000 $ 63,000
Jackson County Michigan 1 $ 112,000 $ 112,000 $ 0
Lenawee County Michigan 1 $ 159,000 $ 159,000 $ 87,000
Mackinac County Michigan 1 $ 30,000 $ 30,000 $ 58,000
Marquette County Michigan 1 $ 56,000 $ 56,000 $ 76,000
Mason County Michigan 1 $ 114,000 $ 114,000 $ 41,000
Montcalm County Michigan 1 $ 54,000 $ 54,000 $ 68,000
Muskegon County Michigan 1 $ 98,000 $ 98,000 $ 54,000
Oceana County Michigan 1 $ 325,000 $ 325,000 $ 131,000
Osceola County Michigan 1 $ 102,000 $ 102,000 $ 81,000
Churchill County Nevada 1 $ 235,000 $ 235,000 $ 59,000
Humboldt County Nevada 1 $ 297,000 $ 297,000 $ 103,000
Taos County New Mexico 1 $ 187,000 $ 187,000 $ 138,000
Burke County North Carolina 1 $ 192,000 $ 192,000 $ 123,000
Cleveland County North Carolina 1 $ 184,000 $ 184,000 $ 52,000
Dare County North Carolina 1 $ 161,000 $ 161,000 $ 59,000
Forsyth County North Carolina 1 $ 32,000 $ 32,000 $ 46,000
Gaston County North Carolina 1 $ 160,000 $ 160,000 $ 38,000
Graham County North Carolina 1 $ 480,000 $ 480,000 $ 651,000
Jackson County North Carolina 1 $ 2,073,000 $ 2,073,000 $ 616,000
Johnston County North Carolina 1 $ 197,000 $ 197,000 $ 41,000
Lincoln County North Carolina 1 $ 316,000 $ 316,000 $ 90,000
McDowell County North Carolina 1 $ 45,000 $ 45,000 $ 34,000
Moore County North Carolina 1 $ 85,000 $ 85,000 $ 98,000
Rutherford County North Carolina 1 $ 186,000 $ 186,000 $ 42,000
Cass County North Dakota 1 $ 194,000 $ 194,000 $ 111,000
Sargent County North Dakota 1 $ 145,000 $ 145,000 $ 82,000
Auglaize County Ohio 1 $ 247,000 $ 247,000 $ 110,000
Butler County Ohio 1 $ 176,000 $ 176,000 $ 75,000
Hamilton County Ohio 1 $ 440,000 $ 440,000 $ 390,000
Licking County Ohio 1 $ 120,000 $ 120,000 $ 155,000
Logan County Ohio 1 $ 134,000 $ 134,000 $ 72,000
Lucas County Ohio 1 $ 225,000 $ 225,000 $ 102,000
Mahoning County Ohio 1 $ 66,000 $ 66,000 $ 69,000
Ottawa County Ohio 1 $ 144,000 $ 144,000 $ 74,000
Richland County Ohio 1 $ 89,000 $ 89,000 $ 35,000
Wood County Ohio 1 $ 281,000 $ 281,000 $ 153,000
Latimer County Oklahoma 1 $ 39,000 $ 39,000 $ 32,000
McCurtain County Oklahoma 1 $ 60,000 $ 60,000 $ 20,000
Ottawa County Oklahoma 1 $ 110,000 $ 110,000 $ 90,000
Tulsa County Oklahoma 1 $ 38,000 $ 38,000 $ 53,000
Klamath County Oregon 1 $ 132,000 $ 132,000 $ 34,000
Fayette County Pennsylvania 1 $ 30,000 $ 30,000 $ 57,000
Aiken County South Carolina 1 $ 281,000 $ 281,000 $ 100,000
Charleston County South Carolina 1 $ 243,000 $ 243,000 $ 740,000
Saluda County South Carolina 1 $ 179,000 $ 179,000 $ 125,000
Bradley County Tennessee 1 $ 68,000 $ 68,000 $ 81,000
Hamilton County Tennessee 1 $ 87,000 $ 87,000 $ 111,000
Putnam County Tennessee 1 $ 20,000 $ 20,000 $ 87,000
Williamson County Tennessee 1 $ 60,000 $ 60,000 $ 75,000
Wilson County Tennessee 1 $ 78,000 $ 78,000 $ 119,000
Cooke County Texas 1 $ 235,000 $ 235,000 $ 75,000
Tarrant County Texas 1 $ 159,000 $ 159,000 $ 138,000
Tooele County Utah 1 $ 245,000 $ 245,000 $ 170,000
Fairfax County Virginia 1 $ 416,000 $ 416,000 $ 95,000
Henrico County Virginia 1 $ 39,000 $ 39,000 $ 144,000
Kitsap County Washington 1 $ 112,000 $ 112,000 $ 229,000
Milwaukee County Wisconsin 1 $ 196,000 $ 196,000 $ 113,000
Lincoln County Wyoming 1 $ 70,000 $ 70,000 $ 128,000

Mortgage Loan Application Detail Totals for United Federal Credit Union in 2015

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 2,141 $321,119,000 $149,000 $2,363,000 $71,000 $2,988,000
Refinancing 1,056 $161,606,000 $153,000 $2,350,000 $80,000 $1,193,000
Home Improvement 346 $19,814,000 $57,000 $796,000 $86,000 $2,097,000

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 2,607 $387,625,000 $148,000 $2,363,000 $78,000 $2,097,000
Not Provided 520 $60,512,000 $116,000 $1,458,000 $71,000 $2,988,000
Hispanic 219 $29,508,000 $134,000 $596,000 $54,000 $190,000
Black or African American 100 $10,132,000 $101,000 $428,000 $61,000 $740,000
Asian 64 $9,964,000 $155,000 $510,000 $87,000 $528,000
American Indian or Alaskan Native 15 $1,602,000 $106,000 $251,000 $60,000 $184,000
Native Hawaiian or Other Pacific Islander 15 $3,075,000 $205,000 $427,000 $89,000 $254,000
Not applicable 3 $121,000 $40,000 $90,000 $110,000 $142,000

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) 3,221 $460,193,000 $142,000 $2,363,000 $78,000 $2,988,000
FHA-insured (Federal Housing Administration) 217 $28,576,000 $131,000 $365,000 $50,000 $216,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 71 $8,280,000 $116,000 $260,000 $41,000 $89,000
VA-guaranteed (Veterans Administration) 34 $5,490,000 $161,000 $408,000 $57,000 $138,000

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 1,514 $231,887,000 $153,000 $2,350,000 $86,000 $2,097,000
Application Withdrawn By Applicant 874 $126,973,000 $145,000 $1,600,000 $77,000 $1,990,000
File Closed For Incompleteness 594 $84,930,000 $142,000 $737,000 $66,000 $2,988,000
Application Denied By Financial Institution 557 $58,321,000 $104,000 $2,363,000 $52,000 $1,174,000
Application Approved But Not Accepted 4 $428,000 $107,000 $194,000 $84,000 $108,000
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 268 $23,128,000 $86,000 $382,000 $48,000 $551,000
Debt-To-Income Ratio 135 $17,507,000 $129,000 $668,000 $44,000 $308,000
Collateral 48 $5,387,000 $112,000 $472,000 $64,000 $176,000
Insufficient Cash (Downpayment, Closing Cost) 16 $1,782,000 $111,000 $235,000 $44,000 $95,000
Employment History 13 $1,403,000 $107,000 $264,000 $38,000 $89,000
Unverifiable Information 6 $3,076,000 $512,000 $2,363,000 $245,000 $1,174,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 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 2015 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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