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.
| 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 |
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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with aggregated HMDA statistics today.