United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
United Federal Credit Union 2018 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 | 5,073 |
| Total Mortgage Loan Application Amount | $562,315,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $2,315,000 |
| Average Applicant Income | $79,500 |
| Highest Applicant Income | $3,117,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,190 | $ 111,560,000 | $ 93,000 | $ 76,000 |
| Washoe County Nevada | 1,052 | $ 145,270,000 | $ 138,000 | $ 109,000 |
| Sebastian County Arkansas | 193 | $ 15,515,000 | $ 80,000 | $ 86,000 |
| Buncombe County North Carolina | 190 | $ 35,480,000 | $ 186,000 | $ 107,000 |
| Henderson County North Carolina | 183 | $ 24,285,000 | $ 132,000 | $ 81,000 |
| St. Joseph County Indiana | 171 | $ 15,185,000 | $ 88,000 | $ 68,000 |
| Marion County Ohio | 161 | $ 8,785,000 | $ 54,000 | $ 58,000 |
| Ottawa County Michigan | 160 | $ 12,960,000 | $ 81,000 | $ 75,000 |
| Cass County Michigan | 141 | $ 11,295,000 | $ 80,000 | $ 67,000 |
| Crawford County Arkansas | 132 | $ 10,550,000 | $ 79,000 | $ 64,000 |
| Iredell County North Carolina | 119 | $ 10,305,000 | $ 86,000 | $ 60,000 |
| Allegan County Michigan | 96 | $ 10,310,000 | $ 107,000 | $ 70,000 |
| Lyon County Nevada | 90 | $ 10,670,000 | $ 118,000 | $ 75,000 |
| Lake County Indiana | 89 | $ 6,355,000 | $ 71,000 | $ 68,000 |
| Carson City County Nevada | 69 | $ 7,525,000 | $ 109,000 | $ 107,000 |
| Le Flore County Oklahoma | 66 | $ 4,820,000 | $ 73,000 | $ 67,000 |
| Douglas County Nevada | 64 | $ 7,960,000 | $ 124,000 | $ 92,000 |
| Van Buren County Michigan | 47 | $ 3,095,000 | $ 65,000 | $ 62,000 |
| Benton County Arkansas | 42 | $ 4,860,000 | $ 115,000 | $ 90,000 |
| Elkhart County Indiana | 38 | $ 7,850,000 | $ 206,000 | $ 80,000 |
| Washington County Arkansas | 32 | $ 3,600,000 | $ 112,000 | $ 69,000 |
| Clark County Nevada | 31 | $ 6,475,000 | $ 208,000 | $ 168,000 |
| Sequoyah County Oklahoma | 30 | $ 2,510,000 | $ 83,000 | $ 55,000 |
| Kent County Michigan | 23 | $ 3,515,000 | $ 152,000 | $ 103,000 |
| Kalamazoo County Michigan | 20 | $ 1,890,000 | $ 94,000 | $ 97,000 |
| Morrow County Ohio | 19 | $ 815,000 | $ 42,000 | $ 69,000 |
| Transylvania County North Carolina | 18 | $ 1,990,000 | $ 110,000 | $ 83,000 |
| Haywood County North Carolina | 15 | $ 2,095,000 | $ 139,000 | $ 180,000 |
| Storey County Nevada | 14 | $ 1,930,000 | $ 137,000 | $ 83,000 |
| Porter County Indiana | 13 | $ 1,805,000 | $ 138,000 | $ 84,000 |
| Plumas County California | 11 | $ 1,615,000 | $ 146,000 | $ 103,000 |
| Muskegon County Michigan | 11 | $ 1,035,000 | $ 94,000 | $ 53,000 |
| Oakland County Michigan | 10 | $ 1,590,000 | $ 159,000 | $ 108,000 |
| Crawford County Ohio | 10 | $ 450,000 | $ 45,000 | $ 79,000 |
| LaPorte County Indiana | 9 | $ 865,000 | $ 96,000 | $ 60,000 |
| Delaware County Ohio | 9 | $ 1,235,000 | $ 137,000 | $ 104,000 |
| Franklin County Arkansas | 8 | $ 330,000 | $ 41,000 | $ 55,000 |
| Cook County Illinois | 8 | $ 760,000 | $ 95,000 | $ 90,000 |
| Churchill County Nevada | 8 | $ 1,220,000 | $ 152,000 | $ 105,000 |
| Johnson County Arkansas | 7 | $ 635,000 | $ 90,000 | $ 68,000 |
| Logan County Arkansas | 7 | $ 375,000 | $ 53,000 | $ 44,000 |
| Nevada County California | 7 | $ 1,175,000 | $ 167,000 | $ 106,000 |
| St. Joseph County Michigan | 7 | $ 445,000 | $ 63,000 | $ 98,000 |
| Catawba County North Carolina | 7 | $ 485,000 | $ 69,000 | $ 71,000 |
| Mecklenburg County North Carolina | 7 | $ 935,000 | $ 133,000 | $ 118,000 |
| Polk County North Carolina | 7 | $ 765,000 | $ 109,000 | $ 102,000 |
| Scott County Arkansas | 6 | $ 210,000 | $ 35,000 | $ 78,000 |
| Johnson County Iowa | 6 | $ 1,190,000 | $ 198,000 | $ 138,000 |
| Franklin County Ohio | 6 | $ 840,000 | $ 140,000 | $ 98,000 |
| Wyandot County Ohio | 6 | $ 320,000 | $ 53,000 | $ 69,000 |
| Pope County Arkansas | 5 | $ 205,000 | $ 41,000 | $ 63,000 |
| Volusia County Florida | 5 | $ 865,000 | $ 173,000 | $ 103,000 |
| DuPage County Illinois | 5 | $ 865,000 | $ 173,000 | $ 96,000 |
| Washtenaw County Michigan | 5 | $ 605,000 | $ 121,000 | $ 184,000 |
| Madison County North Carolina | 5 | $ 415,000 | $ 83,000 | $ 73,000 |
| Union County Ohio | 5 | $ 385,000 | $ 77,000 | $ 68,000 |
| Faulkner County Arkansas | 4 | $ 560,000 | $ 140,000 | $ 101,000 |
| Brevard County Florida | 4 | $ 210,000 | $ 52,000 | $ 152,000 |
| Lee County Florida | 4 | $ 540,000 | $ 135,000 | $ 255,000 |
| Cheboygan County Michigan | 4 | $ 770,000 | $ 192,000 | $ 95,000 |
| Burke County North Carolina | 4 | $ 600,000 | $ 150,000 | $ 56,000 |
| Forsyth County North Carolina | 4 | $ 430,000 | $ 107,000 | $ 66,000 |
| Guilford County North Carolina | 4 | $ 470,000 | $ 117,000 | $ 75,000 |
| Jackson County North Carolina | 4 | $ 1,190,000 | $ 297,000 | $ 265,000 |
| Rowan County North Carolina | 4 | $ 360,000 | $ 90,000 | $ 52,000 |
| Rutherford County North Carolina | 4 | $ 390,000 | $ 97,000 | $ 43,000 |
| Wake County North Carolina | 4 | $ 230,000 | $ 57,000 | $ 144,000 |
| Lucas County Ohio | 4 | $ 540,000 | $ 135,000 | $ 118,000 |
| Haskell County Oklahoma | 4 | $ 330,000 | $ 82,000 | $ 60,000 |
| Maricopa County Arizona | 3 | $ 415,000 | $ 138,000 | $ 58,000 |
| Madison County Arkansas | 3 | $ 325,000 | $ 108,000 | $ 61,000 |
| El Dorado County California | 3 | $ 315,000 | $ 105,000 | $ 77,000 |
| Sierra County California | 3 | $ 645,000 | $ 215,000 | $ 97,000 |
| Manatee County Florida | 3 | $ 575,000 | $ 191,000 | $ 161,000 |
| Miami-Dade County Florida | 3 | $ 805,000 | $ 268,000 | $ 250,000 |
| Will County Illinois | 3 | $ 155,000 | $ 51,000 | $ 93,000 |
| Jefferson County Kentucky | 3 | $ 485,000 | $ 161,000 | $ 131,000 |
| Calhoun County Michigan | 3 | $ 195,000 | $ 65,000 | $ 83,000 |
| Ionia County Michigan | 3 | $ 105,000 | $ 35,000 | $ 49,000 |
| Macomb County Michigan | 3 | $ 215,000 | $ 71,000 | $ 110,000 |
| Monroe County Michigan | 3 | $ 465,000 | $ 155,000 | $ 106,000 |
| Humboldt County Nevada | 3 | $ 155,000 | $ 51,000 | $ 161,000 |
| Lander County Nevada | 3 | $ 235,000 | $ 78,000 | $ 101,000 |
| Gaston County North Carolina | 3 | $ 525,000 | $ 175,000 | $ 130,000 |
| McDowell County North Carolina | 3 | $ 965,000 | $ 321,000 | $ 149,000 |
| Sevier County Tennessee | 3 | $ 695,000 | $ 231,000 | $ 216,000 |
| Pinal County Arizona | 2 | $ 120,000 | $ 60,000 | $ 64,000 |
| Garland County Arkansas | 2 | $ 290,000 | $ 145,000 | $ 104,000 |
| Jefferson County Arkansas | 2 | $ 100,000 | $ 50,000 | $ 55,000 |
| Montgomery County Arkansas | 2 | $ 350,000 | $ 175,000 | $ 98,000 |
| Saline County Arkansas | 2 | $ 190,000 | $ 95,000 | $ 64,000 |
| Lassen County California | 2 | $ 110,000 | $ 55,000 | $ 86,000 |
| Placer County California | 2 | $ 210,000 | $ 105,000 | $ 256,000 |
| Sonoma County California | 2 | $ 380,000 | $ 190,000 | $ 113,000 |
| Bay County Florida | 2 | $ 280,000 | $ 140,000 | $ 89,000 |
| Citrus County Florida | 2 | $ 60,000 | $ 30,000 | $ 23,000 |
| Escambia County Florida | 2 | $ 290,000 | $ 145,000 | $ 145,000 |
| Monroe County Florida | 2 | $ 800,000 | $ 400,000 | $ 140,000 |
| Orange County Florida | 2 | $ 340,000 | $ 170,000 | $ 284,000 |
| Palm Beach County Florida | 2 | $ 200,000 | $ 100,000 | $ 99,000 |
| Pasco County Florida | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Polk County Florida | 2 | $ 380,000 | $ 190,000 | $ 94,000 |
| Chatham County Georgia | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Telfair County Georgia | 2 | $ 80,000 | $ 40,000 | $ 24,000 |
| Maui County Hawaii | 2 | $ 2,910,000 | $ 1,455,000 | $ 388,000 |
| Kankakee County Illinois | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| Madison County Indiana | 2 | $ 130,000 | $ 65,000 | $ 121,000 |
| Pulaski County Indiana | 2 | $ 90,000 | $ 45,000 | $ 33,000 |
| Garrard County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 33,000 |
| Barry County Michigan | 2 | $ 140,000 | $ 70,000 | $ 56,000 |
| Branch County Michigan | 2 | $ 190,000 | $ 95,000 | $ 128,000 |
| Eaton County Michigan | 2 | $ 140,000 | $ 70,000 | $ 59,000 |
| Ingham County Michigan | 2 | $ 660,000 | $ 330,000 | $ 140,000 |
| Jackson County Michigan | 2 | $ 60,000 | $ 30,000 | $ 47,000 |
| Lake County Michigan | 2 | $ 150,000 | $ 75,000 | $ 94,000 |
| Manistee County Michigan | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Newaygo County Michigan | 2 | $ 80,000 | $ 40,000 | $ 100,000 |
| Oceana County Michigan | 2 | $ 180,000 | $ 90,000 | $ 159,000 |
| Elko County Nevada | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Pershing County Nevada | 2 | $ 380,000 | $ 190,000 | $ 78,000 |
| Alexander County North Carolina | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Cleveland County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Mitchell County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 104,000 |
| New Hanover County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 89,000 |
| Union County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 175,000 |
| Wilkes County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Allen County Ohio | 2 | $ 50,000 | $ 25,000 | $ 30,000 |
| Richland County Ohio | 2 | $ 40,000 | $ 20,000 | $ 44,000 |
| Summit County Ohio | 2 | $ 230,000 | $ 115,000 | $ 182,000 |
| Adair County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Oklahoma County Oklahoma | 2 | $ 100,000 | $ 50,000 | $ 42,000 |
| Tulsa County Oklahoma | 2 | $ 70,000 | $ 35,000 | $ 75,000 |
| Horry County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Cumberland County Tennessee | 2 | $ 50,000 | $ 25,000 | $ 66,000 |
| Harris County Texas | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Williamson County Texas | 2 | $ 170,000 | $ 85,000 | $ 157,000 |
| Fairfax County Virginia | 2 | $ 540,000 | $ 270,000 | $ 245,000 |
| King County Washington | 2 | $ 460,000 | $ 230,000 | $ 191,000 |
| Barbour County West Virginia | 2 | $ 90,000 | $ 45,000 | $ 129,000 |
| Covington County Alabama | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Mohave County Arizona | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Pima County Arizona | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Boone County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Lonoke County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Mississippi County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 22,000 |
| Perry County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 106,000 |
| Poinsett County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Polk County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 225,000 |
| Pulaski County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 304,000 |
| Van Buren County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Alameda County California | 1 | $ 135,000 | $ 135,000 | $ 112,000 |
| Contra Costa County California | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Mono County California | 1 | $ 165,000 | $ 165,000 | $ 206,000 |
| Monterey County California | 1 | $ 945,000 | $ 945,000 | $ 560,000 |
| Sacramento County California | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| San Bernardino County California | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| San Diego County California | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
| San Francisco County California | 1 | $ 255,000 | $ 255,000 | $ 556,000 |
| San Joaquin County California | 1 | $ 245,000 | $ 245,000 | $ 196,000 |
| San Mateo County California | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Shasta County California | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Tehama County California | 1 | $ 155,000 | $ 155,000 | $ 630,000 |
| Kent County Delaware | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Broward County Florida | 1 | $ 405,000 | $ 405,000 | $ 92,000 |
| Charlotte County Florida | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Collier County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,000,000 |
| Duval County Florida | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Hillsborough County Florida | 1 | $ 125,000 | $ 125,000 | $ 265,000 |
| Indian River County Florida | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Levy County Florida | 1 | $ 455,000 | $ 455,000 | $ 377,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 267,000 |
| Putnam County Florida | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Sarasota County Florida | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Seminole County Florida | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| St. Johns County Florida | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Dawson County Georgia | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Douglas County Georgia | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Forsyth County Georgia | 1 | $ 195,000 | $ 195,000 | $ 215,000 |
| Fulton County Georgia | 1 | $ 405,000 | $ 405,000 | $ 225,000 |
| Lowndes County Georgia | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Ada County Idaho | 1 | $ 165,000 | $ 165,000 | $ 230,000 |
| Gem County Idaho | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Kendall County Illinois | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Winnebago County Illinois | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Allen County Indiana | 1 | $ 65,000 | $ 65,000 | $ 14,000 |
| Cass County Indiana | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Decatur County Indiana | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Fulton County Indiana | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Hamilton County Indiana | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Hancock County Indiana | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Kosciusko County Indiana | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Marshall County Indiana | 1 | $ 75,000 | $ 75,000 | $ 188,000 |
| Steuben County Indiana | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Tippecanoe County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wayne County Indiana | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Whitley County Indiana | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| Audubon County Iowa | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| Clinton County Iowa | 1 | $ 115,000 | $ 115,000 | $ 104,000 |
| Boyd County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Boyle County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Campbell County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Clark County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 99,000 |
| Fayette County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 178,000 |
| Jefferson County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 135,000 |
| Penobscot County Maine | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Barnstable County Massachusetts | 1 | $ 15,000 | $ 15,000 | $ 145,000 |
| Charlevoix County Michigan | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Grand Traverse County Michigan | 1 | $ 245,000 | $ 245,000 | $ 180,000 |
| Livingston County Michigan | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| Marquette County Michigan | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Mason County Michigan | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Montcalm County Michigan | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Osceola County Michigan | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Oscoda County Michigan | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Roscommon County Michigan | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Saginaw County Michigan | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Wayne County Michigan | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Wexford County Michigan | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Clay County Missouri | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Lawrence County Missouri | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| McDonald County Missouri | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| St. Louis City County Missouri | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Lincoln County Nevada | 1 | $ 85,000 | $ 85,000 | $ 103,000 |
| Mineral County Nevada | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Nye County Nevada | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Monroe County New York | 1 | $ 15,000 | $ 15,000 | $ 384,000 |
| Rockland County New York | 1 | $ 35,000 | $ 35,000 | $ 0 |
| St. Lawrence County New York | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Alamance County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Craven County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Davie County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Johnston County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Randolph County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Rockingham County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Stokes County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 91,000 |
| Watauga County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Yancey County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Ransom County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Richland County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Sargent County North Dakota | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Ashland County Ohio | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Ashtabula County Ohio | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Auglaize County Ohio | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Cuyahoga County Ohio | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Fairfield County Ohio | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Hamilton County Ohio | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Hardin County Ohio | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Lake County Ohio | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Licking County Ohio | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Logan County Ohio | 1 | $ 15,000 | $ 15,000 | $ 130,000 |
| Montgomery County Ohio | 1 | $ 55,000 | $ 55,000 | $ 301,000 |
| Wood County Ohio | 1 | $ 275,000 | $ 275,000 | $ 272,000 |
| Canadian County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Latimer County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Muskogee County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Pittsburg County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Rogers County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Clackamas County Oregon | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Curry County Oregon | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Jackson County Oregon | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| Lane County Oregon | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lincoln County Oregon | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Beaver County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Anderson County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 130,000 |
| Berkeley County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Greenville County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Greenwood County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 282,000 |
| Oconee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Pickens County South Carolina | 1 | $ 635,000 | $ 635,000 | $ 161,000 |
| Spartanburg County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Bedford County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Bradley County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Cocke County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Davidson County Tennessee | 1 | $ 805,000 | $ 805,000 | $ 341,000 |
| Knox County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 66,000 |
| Sumner County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Andrews County Texas | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Dallas County Texas | 1 | $ 55,000 | $ 55,000 | $ 221,000 |
| Fort Bend County Texas | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Kerr County Texas | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Travis County Texas | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Isle of Wight County Virginia | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Berkeley County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2018
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 | 1,536 | $267,440,000 | $174,000 | $1,505,000 | $93,000 | $922,000 |
| Home Improvement | 1,419 | $75,025,000 | $52,000 | $1,005,000 | $89,000 | $1,000,000 |
| Refinancing | 1,249 | $167,245,000 | $133,000 | $2,315,000 | $82,000 | $3,117,000 |
| Other Purpose | 811 | $46,705,000 | $57,000 | $605,000 | $79,000 | $370,000 |
| Cash-out Refinancing | 53 | $5,365,000 | $101,000 | $345,000 | $71,000 | $206,000 |
| Not Applicable | 5 | $535,000 | $107,000 | $155,000 | $63,000 | $96,000 |
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 | 3,567 | $426,755,000 | $119,000 | $2,315,000 | $88,000 | $3,117,000 |
| Not Provided | 767 | $48,575,000 | $63,000 | $1,195,000 | $90,000 | $1,000,000 |
| Hispanic | 314 | $37,470,000 | $119,000 | $605,000 | $72,000 | $377,000 |
| Black or African American | 153 | $13,295,000 | $86,000 | $525,000 | $63,000 | $303,000 |
| Not applicable | 123 | $14,635,000 | $118,000 | $1,275,000 | $83,000 | $120,000 |
| Asian | 97 | $15,935,000 | $164,000 | $605,000 | $113,000 | $423,000 |
| American Indian or Alaskan Native | 35 | $3,575,000 | $102,000 | $505,000 | $67,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $1,985,000 | $132,000 | $325,000 | $99,000 | $165,000 |
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) | 4,963 | $547,545,000 | $110,000 | $2,315,000 | $87,000 | $3,117,000 |
| FHA-insured (Federal Housing Administration) | 45 | $6,185,000 | $137,000 | $285,000 | $55,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $5,235,000 | $116,000 | $255,000 | $47,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,350,000 | $167,000 | $335,000 | $63,000 | $146,000 |
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 | 3,535 | $422,455,000 | $119,000 | $1,925,000 | $91,000 | $3,117,000 |
| Application Denied By Financial Institution | 808 | $59,560,000 | $73,000 | $985,000 | $70,000 | $630,000 |
| Application Withdrawn By Applicant | 545 | $46,955,000 | $86,000 | $2,315,000 | $84,000 | $1,000,000 |
| Application Approved But Not Accepted | 169 | $31,115,000 | $184,000 | $1,305,000 | $82,000 | $407,000 |
| File Closed For Incompleteness | 16 | $2,230,000 | $139,000 | $365,000 | $85,000 | $304,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,265 | $502,755,000 | $117,000 | $2,315,000 | $90,000 | $3,117,000 |
| Debt-To-Income Ratio | 712 | $45,260,000 | $63,000 | $755,000 | $70,000 | $630,000 |
| Credit History | 55 | $7,115,000 | $129,000 | $765,000 | $61,000 | $350,000 |
| Collateral | 29 | $5,355,000 | $184,000 | $985,000 | $98,000 | $426,000 |
| Other | 4 | $650,000 | $162,000 | $335,000 | $49,000 | $64,000 |
| Unverifiable Information | 3 | $615,000 | $205,000 | $385,000 | $71,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $205,000 | $62,000 | $74,000 |
| Credit Application Incomplete | 2 | $90,000 | $45,000 | $45,000 | $55,000 | $62,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2018 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.