United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
United Federal Credit Union 2019 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 | 6,172 |
| Total Mortgage Loan Application Amount | $832,440,000 |
| Average Mortgage Loan Application Amount | $139,833 |
| Highest Mortgage Loan Application Amount | $4,485,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $2,562,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,273 | $ 139,715,000 | $ 109,000 | $ 83,000 |
| Washoe County Nevada | 1,186 | $ 214,670,000 | $ 181,000 | $ 114,000 |
| St. Joseph County Indiana | 269 | $ 29,805,000 | $ 110,000 | $ 79,000 |
| Sebastian County Arkansas | 251 | $ 24,355,000 | $ 97,000 | $ 75,000 |
| Buncombe County North Carolina | 248 | $ 53,430,000 | $ 215,000 | $ 116,000 |
| Henderson County North Carolina | 242 | $ 40,130,000 | $ 165,000 | $ 99,000 |
| Marion County Ohio | 225 | $ 13,745,000 | $ 61,000 | $ 65,000 |
| Ottawa County Michigan | 221 | $ 24,015,000 | $ 108,000 | $ 74,000 |
| Crawford County Arkansas | 207 | $ 19,425,000 | $ 93,000 | $ 69,000 |
| Cass County Michigan | 158 | $ 17,880,000 | $ 113,000 | $ 79,000 |
| Iredell County North Carolina | 124 | $ 9,090,000 | $ 73,000 | $ 68,000 |
| Benton County Arkansas | 115 | $ 17,285,000 | $ 150,000 | $ 112,000 |
| Allegan County Michigan | 103 | $ 11,955,000 | $ 116,000 | $ 72,000 |
| Carson City County Nevada | 102 | $ 15,940,000 | $ 156,000 | $ 94,000 |
| Lake County Indiana | 98 | $ 6,640,000 | $ 67,000 | $ 68,000 |
| Lyon County Nevada | 94 | $ 12,440,000 | $ 132,000 | $ 80,000 |
| Le Flore County Oklahoma | 74 | $ 6,950,000 | $ 93,000 | $ 84,000 |
| Washington County Arkansas | 70 | $ 9,490,000 | $ 135,000 | $ 113,000 |
| Elkhart County Indiana | 70 | $ 9,450,000 | $ 135,000 | $ 93,000 |
| Douglas County Nevada | 70 | $ 16,030,000 | $ 229,000 | $ 137,000 |
| Van Buren County Michigan | 56 | $ 4,740,000 | $ 84,000 | $ 80,000 |
| Sequoyah County Oklahoma | 42 | $ 5,740,000 | $ 136,000 | $ 77,000 |
| Kent County Michigan | 28 | $ 2,890,000 | $ 103,000 | $ 77,000 |
| LaPorte County Indiana | 21 | $ 1,865,000 | $ 88,000 | $ 64,000 |
| Morrow County Ohio | 21 | $ 1,565,000 | $ 74,000 | $ 87,000 |
| Haywood County North Carolina | 18 | $ 1,650,000 | $ 91,000 | $ 57,000 |
| Franklin County Arkansas | 17 | $ 1,315,000 | $ 77,000 | $ 64,000 |
| Clark County Nevada | 17 | $ 5,135,000 | $ 302,000 | $ 147,000 |
| Catawba County North Carolina | 16 | $ 1,270,000 | $ 79,000 | $ 75,000 |
| Logan County Arkansas | 14 | $ 780,000 | $ 55,000 | $ 45,000 |
| Churchill County Nevada | 14 | $ 2,180,000 | $ 155,000 | $ 72,000 |
| Porter County Indiana | 13 | $ 1,625,000 | $ 125,000 | $ 124,000 |
| Kalamazoo County Michigan | 13 | $ 1,585,000 | $ 121,000 | $ 87,000 |
| Madison County North Carolina | 12 | $ 1,750,000 | $ 145,000 | $ 80,000 |
| Storey County Nevada | 11 | $ 1,345,000 | $ 122,000 | $ 140,000 |
| Polk County North Carolina | 11 | $ 2,205,000 | $ 200,000 | $ 94,000 |
| Maricopa County Arizona | 9 | $ 2,835,000 | $ 315,000 | $ 132,000 |
| Scott County Arkansas | 9 | $ 925,000 | $ 102,000 | $ 78,000 |
| Kosciusko County Indiana | 9 | $ 795,000 | $ 88,000 | $ 78,000 |
| Johnson County Iowa | 9 | $ 1,965,000 | $ 218,000 | $ 111,000 |
| Transylvania County North Carolina | 9 | $ 1,485,000 | $ 165,000 | $ 197,000 |
| Delaware County Ohio | 9 | $ 715,000 | $ 79,000 | $ 106,000 |
| Placer County California | 8 | $ 3,420,000 | $ 427,000 | $ 366,000 |
| Rutherford County North Carolina | 8 | $ 1,710,000 | $ 213,000 | $ 138,000 |
| Greenville County South Carolina | 8 | $ 990,000 | $ 123,000 | $ 92,000 |
| Cook County Illinois | 7 | $ 1,295,000 | $ 185,000 | $ 114,000 |
| LaGrange County Indiana | 7 | $ 835,000 | $ 119,000 | $ 75,000 |
| St. Joseph County Michigan | 7 | $ 845,000 | $ 120,000 | $ 112,000 |
| Crawford County Ohio | 7 | $ 495,000 | $ 70,000 | $ 47,000 |
| Pulaski County Arkansas | 6 | $ 280,000 | $ 46,000 | $ 53,000 |
| Branch County Michigan | 6 | $ 620,000 | $ 103,000 | $ 66,000 |
| Muskegon County Michigan | 6 | $ 330,000 | $ 55,000 | $ 59,000 |
| Oakland County Michigan | 6 | $ 1,110,000 | $ 185,000 | $ 119,000 |
| Elko County Nevada | 6 | $ 360,000 | $ 60,000 | $ 101,000 |
| Jackson County North Carolina | 6 | $ 750,000 | $ 125,000 | $ 96,000 |
| McDowell County North Carolina | 6 | $ 590,000 | $ 98,000 | $ 67,000 |
| Mecklenburg County North Carolina | 6 | $ 1,720,000 | $ 286,000 | $ 123,000 |
| Union County Ohio | 6 | $ 500,000 | $ 83,000 | $ 82,000 |
| Yell County Arkansas | 5 | $ 485,000 | $ 97,000 | $ 67,000 |
| Pinellas County Florida | 5 | $ 865,000 | $ 173,000 | $ 148,000 |
| Marshall County Indiana | 5 | $ 355,000 | $ 71,000 | $ 108,000 |
| Starke County Indiana | 5 | $ 435,000 | $ 87,000 | $ 77,000 |
| Macomb County Michigan | 5 | $ 275,000 | $ 55,000 | $ 67,000 |
| Wayne County Michigan | 5 | $ 465,000 | $ 93,000 | $ 85,000 |
| Pershing County Nevada | 5 | $ 455,000 | $ 91,000 | $ 132,000 |
| Wyandot County Ohio | 5 | $ 265,000 | $ 53,000 | $ 56,000 |
| Madison County Arkansas | 4 | $ 410,000 | $ 102,000 | $ 67,000 |
| Alameda County California | 4 | $ 2,710,000 | $ 677,000 | $ 356,000 |
| Lassen County California | 4 | $ 240,000 | $ 60,000 | $ 58,000 |
| Bay County Florida | 4 | $ 690,000 | $ 172,000 | $ 149,000 |
| Lee County Florida | 4 | $ 620,000 | $ 155,000 | $ 166,000 |
| Polk County Florida | 4 | $ 460,000 | $ 115,000 | $ 70,000 |
| Montcalm County Michigan | 4 | $ 130,000 | $ 32,000 | $ 53,000 |
| Humboldt County Nevada | 4 | $ 240,000 | $ 60,000 | $ 103,000 |
| Nye County Nevada | 4 | $ 330,000 | $ 82,000 | $ 123,000 |
| Alexander County North Carolina | 4 | $ 200,000 | $ 50,000 | $ 78,000 |
| Burke County North Carolina | 4 | $ 620,000 | $ 155,000 | $ 175,000 |
| Lincoln County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 60,000 |
| Wake County North Carolina | 4 | $ 1,120,000 | $ 280,000 | $ 94,000 |
| Cuyahoga County Ohio | 4 | $ 200,000 | $ 50,000 | $ 78,000 |
| Franklin County Ohio | 4 | $ 280,000 | $ 70,000 | $ 113,000 |
| Pima County Arizona | 3 | $ 365,000 | $ 121,000 | $ 95,000 |
| Johnson County Arkansas | 3 | $ 95,000 | $ 31,000 | $ 83,000 |
| Saline County Arkansas | 3 | $ 85,000 | $ 28,000 | $ 79,000 |
| El Dorado County California | 3 | $ 925,000 | $ 308,000 | $ 164,000 |
| Nevada County California | 3 | $ 295,000 | $ 98,000 | $ 72,000 |
| Sacramento County California | 3 | $ 1,985,000 | $ 661,000 | $ 143,000 |
| Manatee County Florida | 3 | $ 515,000 | $ 171,000 | $ 176,000 |
| Jasper County Indiana | 3 | $ 245,000 | $ 81,000 | $ 130,000 |
| Arenac County Michigan | 3 | $ 225,000 | $ 75,000 | $ 36,000 |
| Kalkaska County Michigan | 3 | $ 675,000 | $ 225,000 | $ 68,000 |
| Oceana County Michigan | 3 | $ 455,000 | $ 151,000 | $ 45,000 |
| Cabarrus County North Carolina | 3 | $ 405,000 | $ 135,000 | $ 199,000 |
| Rowan County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 54,000 |
| Yancey County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 75,000 |
| Licking County Ohio | 3 | $ 695,000 | $ 231,000 | $ 75,000 |
| Lucas County Ohio | 3 | $ 205,000 | $ 68,000 | $ 75,000 |
| Tulsa County Oklahoma | 3 | $ 475,000 | $ 158,000 | $ 110,000 |
| Beaufort County South Carolina | 3 | $ 2,205,000 | $ 735,000 | $ 326,000 |
| Wilson County Tennessee | 3 | $ 565,000 | $ 188,000 | $ 102,000 |
| Pinal County Arizona | 2 | $ 310,000 | $ 155,000 | $ 469,000 |
| Cleburne County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 101,000 |
| Lonoke County Arkansas | 2 | $ 120,000 | $ 60,000 | $ 140,000 |
| Pope County Arkansas | 2 | $ 70,000 | $ 35,000 | $ 34,000 |
| Madera County California | 2 | $ 600,000 | $ 300,000 | $ 104,000 |
| Riverside County California | 2 | $ 790,000 | $ 395,000 | $ 278,000 |
| Santa Clara County California | 2 | $ 1,150,000 | $ 575,000 | $ 323,000 |
| Arapahoe County Colorado | 2 | $ 560,000 | $ 280,000 | $ 288,000 |
| New Castle County Delaware | 2 | $ 150,000 | $ 75,000 | $ 89,000 |
| Charlotte County Florida | 2 | $ 290,000 | $ 145,000 | $ 149,000 |
| Collier County Florida | 2 | $ 460,000 | $ 230,000 | $ 922,000 |
| Orange County Florida | 2 | $ 170,000 | $ 85,000 | $ 115,000 |
| Palm Beach County Florida | 2 | $ 620,000 | $ 310,000 | $ 236,000 |
| St. Lucie County Florida | 2 | $ 80,000 | $ 40,000 | $ 73,000 |
| Fulton County Georgia | 2 | $ 760,000 | $ 380,000 | $ 236,000 |
| Jackson County Georgia | 2 | $ 640,000 | $ 320,000 | $ 79,000 |
| McHenry County Illinois | 2 | $ 390,000 | $ 195,000 | $ 113,000 |
| Will County Illinois | 2 | $ 270,000 | $ 135,000 | $ 113,000 |
| Marion County Indiana | 2 | $ 400,000 | $ 200,000 | $ 68,000 |
| Pulaski County Indiana | 2 | $ 130,000 | $ 65,000 | $ 30,000 |
| Antrim County Michigan | 2 | $ 170,000 | $ 85,000 | $ 49,000 |
| Barry County Michigan | 2 | $ 190,000 | $ 95,000 | $ 156,000 |
| Calhoun County Michigan | 2 | $ 300,000 | $ 150,000 | $ 88,000 |
| Leelanau County Michigan | 2 | $ 250,000 | $ 125,000 | $ 91,000 |
| Marquette County Michigan | 2 | $ 120,000 | $ 60,000 | $ 61,000 |
| Newaygo County Michigan | 2 | $ 110,000 | $ 55,000 | $ 64,000 |
| Christian County Missouri | 2 | $ 30,000 | $ 15,000 | $ 70,000 |
| Rockland County New York | 2 | $ 460,000 | $ 230,000 | $ 250,000 |
| Caldwell County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 59,000 |
| Cleveland County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 54,000 |
| Davie County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 73,000 |
| Guilford County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Wilkes County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 99,000 |
| Butler County Ohio | 2 | $ 40,000 | $ 20,000 | $ 93,000 |
| Fairfield County Ohio | 2 | $ 70,000 | $ 35,000 | $ 71,000 |
| Hardin County Ohio | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Montgomery County Ohio | 2 | $ 520,000 | $ 260,000 | $ 76,000 |
| Ottawa County Ohio | 2 | $ 230,000 | $ 115,000 | $ 84,000 |
| Adair County Oklahoma | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Latimer County Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Okmulgee County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 55,000 |
| Ottawa County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 71,000 |
| Wagoner County Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| Lancaster County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 236,000 |
| Charleston County South Carolina | 2 | $ 1,380,000 | $ 690,000 | $ 175,000 |
| Horry County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 98,000 |
| Spartanburg County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| York County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 114,000 |
| Madison County Tennessee | 2 | $ 120,000 | $ 60,000 | $ 33,000 |
| Maury County Tennessee | 2 | $ 30,000 | $ 15,000 | $ 33,000 |
| Rutherford County Tennessee | 2 | $ 430,000 | $ 215,000 | $ 104,000 |
| Fairfax County Virginia | 2 | $ 170,000 | $ 85,000 | $ 209,000 |
| Chippewa County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 184,000 |
| Colbert County Alabama | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Kenai Peninsula County Alaska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Conway County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Crittenden County Arkansas | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Faulkner County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Garland County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Independence County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Jackson County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Polk County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Amador County California | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Calaveras County California | 1 | $ 15,000 | $ 15,000 | $ 119,000 |
| Inyo County California | 1 | $ 35,000 | $ 35,000 | $ 172,000 |
| Kern County California | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Mono County California | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Napa County California | 1 | $ 605,000 | $ 605,000 | $ 63,000 |
| Orange County California | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Plumas County California | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Sierra County California | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Solano County California | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| El Paso County Colorado | 1 | $ 345,000 | $ 345,000 | $ 130,000 |
| Jefferson County Colorado | 1 | $ 485,000 | $ 485,000 | $ 107,000 |
| Weld County Colorado | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Duval County Florida | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Escambia County Florida | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Flagler County Florida | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Hernando County Florida | 1 | $ 195,000 | $ 195,000 | $ 170,000 |
| Hillsborough County Florida | 1 | $ 155,000 | $ 155,000 | $ 494,000 |
| Lake County Florida | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Marion County Florida | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Miami-Dade County Florida | 1 | $ 4,485,000 | $ 4,485,000 | $ 2,562,000 |
| Sarasota County Florida | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 140,000 |
| Sumter County Florida | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Clarke County Georgia | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Cobb County Georgia | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Douglas County Georgia | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Ada County Idaho | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| DuPage County Illinois | 1 | $ 315,000 | $ 315,000 | $ 165,000 |
| Grundy County Illinois | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Lake County Illinois | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Sangamon County Illinois | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Wabash County Illinois | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Bartholomew County Indiana | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Clark County Indiana | 1 | $ 115,000 | $ 115,000 | $ 104,000 |
| Floyd County Indiana | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Hamilton County Indiana | 1 | $ 305,000 | $ 305,000 | $ 191,000 |
| Howard County Indiana | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Huntington County Indiana | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Madison County Indiana | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Morgan County Indiana | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Wabash County Indiana | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Warren County Indiana | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Linn County Iowa | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Anderson County Kansas | 1 | $ 45,000 | $ 45,000 | $ 122,000 |
| Wyandotte County Kansas | 1 | $ 465,000 | $ 465,000 | $ 280,000 |
| Boyle County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Fayette County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 250,000 |
| Mercer County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Oldham County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Pulaski County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Scott County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Wicomico County Maryland | 1 | $ 385,000 | $ 385,000 | $ 192,000 |
| Barnstable County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| Eaton County Michigan | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Genesee County Michigan | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Grand Traverse County Michigan | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Lake County Michigan | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Manistee County Michigan | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Mason County Michigan | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Mecosta County Michigan | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Midland County Michigan | 1 | $ 75,000 | $ 75,000 | $ 116,000 |
| Washtenaw County Michigan | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Hennepin County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Otter Tail County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| DeSoto County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Barry County Missouri | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Buchanan County Missouri | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Greene County Missouri | 1 | $ 15,000 | $ 15,000 | $ 88,000 |
| McDonald County Missouri | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Taney County Missouri | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Deer Lodge County Montana | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Flathead County Montana | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Mineral County Nevada | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Atlantic County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Hudson County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 250,000 |
| Bernalillo County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Dona Ana County New Mexico | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Montgomery County New York | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Queens County New York | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Chatham County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Davidson County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Gaston County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Macon County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Montgomery County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 683,000 |
| Onslow County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Pender County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Scotland County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 20,000 |
| Wilson County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Yadkin County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
| Sargent County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Ashland County Ohio | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Champaign County Ohio | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Columbiana County Ohio | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| Darke County Ohio | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Hamilton County Ohio | 1 | $ 115,000 | $ 115,000 | $ 587,000 |
| Hancock County Ohio | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Lawrence County Ohio | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Logan County Ohio | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Medina County Ohio | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Richland County Ohio | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Seneca County Ohio | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Summit County Ohio | 1 | $ 35,000 | $ 35,000 | $ 142,000 |
| Warren County Ohio | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Cherokee County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Cleveland County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Craig County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Delaware County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Garvin County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Haskell County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 93,000 |
| Kay County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Lincoln County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 161,000 |
| McIntosh County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 92,000 |
| Rogers County Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Clatsop County Oregon | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Allegheny County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 175,000 |
| Washington County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bristol County Rhode Island | 1 | $ 365,000 | $ 365,000 | $ 262,000 |
| Anderson County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Barnwell County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Chester County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 141,000 |
| Georgetown County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Lexington County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Oconee County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Pickens County South Carolina | 1 | $ 615,000 | $ 615,000 | $ 200,000 |
| Bedford County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Cumberland County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Davidson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 125,000 |
| Hamilton County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Knox County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Bexar County Texas | 1 | $ 515,000 | $ 515,000 | $ 144,000 |
| Collin County Texas | 1 | $ 155,000 | $ 155,000 | $ 201,000 |
| Dallas County Texas | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Frio County Texas | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Harris County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jefferson County Texas | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Travis County Texas | 1 | $ 95,000 | $ 95,000 | $ 309,000 |
| Amherst County Virginia | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Chesterfield County Virginia | 1 | $ 605,000 | $ 605,000 | $ 211,000 |
| Fairfax City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| King County Washington | 1 | $ 5,000 | $ 5,000 | $ 120,000 |
| Kitsap County Washington | 1 | $ 245,000 | $ 245,000 | $ 264,000 |
| Clark County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Eau Claire County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Milwaukee County Wisconsin | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Outagamie County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Waukesha County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Winnebago County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2019
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 | 1,800 | $341,950,000 | $189,000 | $4,485,000 | $99,000 | $2,562,000 |
| Home Improvement | 1,324 | $76,710,000 | $57,000 | $1,295,000 | $91,000 | $1,237,000 |
| Refinancing | 1,291 | $225,685,000 | $174,000 | $2,925,000 | $97,000 | $2,339,000 |
| Other Purpose | 1,240 | $85,780,000 | $69,000 | $1,505,000 | $85,000 | $1,800,000 |
| Cash-out Refinancing | 504 | $100,350,000 | $199,000 | $1,905,000 | $96,000 | $1,104,000 |
| Not Applicable | 13 | $1,965,000 | $151,000 | $265,000 | $120,000 | $422,000 |
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 | 4,647 | $650,025,000 | $139,000 | $4,485,000 | $94,000 | $2,562,000 |
| Not Provided | 644 | $52,360,000 | $81,000 | $1,355,000 | $104,000 | $2,339,000 |
| Hispanic | 506 | $73,320,000 | $144,000 | $665,000 | $79,000 | $1,800,000 |
| Black or African American | 163 | $13,655,000 | $83,000 | $405,000 | $65,000 | $274,000 |
| Asian | 136 | $27,750,000 | $204,000 | $2,005,000 | $127,000 | $841,000 |
| American Indian or Alaskan Native | 41 | $3,695,000 | $90,000 | $275,000 | $64,000 | $214,000 |
| Not applicable | 20 | $6,960,000 | $348,000 | $1,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 14 | $4,360,000 | $311,000 | $1,505,000 | $138,000 | $391,000 |
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) | 5,988 | $806,410,000 | $134,000 | $4,485,000 | $95,000 | $2,562,000 |
| FHA-insured (Federal Housing Administration) | 92 | $13,660,000 | $148,000 | $385,000 | $53,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $8,970,000 | $124,000 | $325,000 | $50,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,400,000 | $170,000 | $335,000 | $69,000 | $129,000 |
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 | 3,959 | $547,625,000 | $138,000 | $4,485,000 | $98,000 | $2,562,000 |
| Application Withdrawn By Applicant | 992 | $158,830,000 | $160,000 | $1,505,000 | $91,000 | $754,000 |
| Application Denied By Financial Institution | 815 | $66,615,000 | $81,000 | $1,125,000 | $75,000 | $1,800,000 |
| Application Approved But Not Accepted | 328 | $40,060,000 | $122,000 | $1,605,000 | $92,000 | $820,000 |
| File Closed For Incompleteness | 78 | $19,310,000 | $247,000 | $905,000 | $115,000 | $739,000 |
| 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 | 5,357 | $765,825,000 | $142,000 | $4,485,000 | $96,000 | $2,562,000 |
| Credit History | 357 | $23,335,000 | $65,000 | $605,000 | $69,000 | $780,000 |
| Debt-To-Income Ratio | 175 | $21,975,000 | $125,000 | $1,125,000 | $57,000 | $477,000 |
| Credit Application Incomplete | 134 | $7,190,000 | $53,000 | $405,000 | $86,000 | $756,000 |
| Collateral | 110 | $8,380,000 | $76,000 | $1,005,000 | $109,000 | $1,800,000 |
| Employment History | 16 | $890,000 | $55,000 | $255,000 | $50,000 | $93,000 |
| Other | 11 | $3,135,000 | $285,000 | $805,000 | $119,000 | $264,000 |
| Unverifiable Information | 7 | $1,035,000 | $147,000 | $445,000 | $72,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $675,000 | $135,000 | $215,000 | $95,000 | $324,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2019 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.