United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
United Federal Credit Union 2020 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 | 8,056 |
| Total Mortgage Loan Application Amount | $1,440,790,000 |
| Average Mortgage Loan Application Amount | $169,600 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $100,200 |
| Highest Applicant Income | $1,937,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,706 | $ 250,470,000 | $ 146,000 | $ 93,000 |
| Washoe County Nevada | 1,313 | $ 325,405,000 | $ 247,000 | $ 124,000 |
| St. Joseph County Indiana | 439 | $ 64,105,000 | $ 146,000 | $ 95,000 |
| Buncombe County North Carolina | 412 | $ 111,140,000 | $ 269,000 | $ 134,000 |
| Ottawa County Michigan | 296 | $ 41,320,000 | $ 139,000 | $ 76,000 |
| Henderson County North Carolina | 285 | $ 60,195,000 | $ 211,000 | $ 96,000 |
| Sebastian County Arkansas | 281 | $ 38,535,000 | $ 137,000 | $ 91,000 |
| Benton County Arkansas | 245 | $ 50,745,000 | $ 207,000 | $ 115,000 |
| Cass County Michigan | 207 | $ 28,795,000 | $ 139,000 | $ 87,000 |
| Crawford County Arkansas | 203 | $ 23,945,000 | $ 117,000 | $ 75,000 |
| Marion County Ohio | 194 | $ 15,000,000 | $ 77,000 | $ 68,000 |
| Iredell County North Carolina | 160 | $ 17,830,000 | $ 111,000 | $ 70,000 |
| Allegan County Michigan | 143 | $ 21,135,000 | $ 147,000 | $ 79,000 |
| Carson City County Nevada | 125 | $ 25,685,000 | $ 205,000 | $ 107,000 |
| Washington County Arkansas | 116 | $ 19,180,000 | $ 165,000 | $ 92,000 |
| Lake County Indiana | 112 | $ 10,780,000 | $ 96,000 | $ 74,000 |
| Elkhart County Indiana | 105 | $ 15,925,000 | $ 151,000 | $ 77,000 |
| Lyon County Nevada | 101 | $ 18,205,000 | $ 180,000 | $ 81,000 |
| Douglas County Nevada | 97 | $ 26,855,000 | $ 276,000 | $ 135,000 |
| Van Buren County Michigan | 79 | $ 8,855,000 | $ 112,000 | $ 103,000 |
| Le Flore County Oklahoma | 79 | $ 8,225,000 | $ 104,000 | $ 72,000 |
| Haywood County North Carolina | 52 | $ 11,980,000 | $ 230,000 | $ 139,000 |
| LaPorte County Indiana | 49 | $ 7,175,000 | $ 146,000 | $ 72,000 |
| Sequoyah County Oklahoma | 44 | $ 5,720,000 | $ 130,000 | $ 79,000 |
| Transylvania County North Carolina | 37 | $ 10,905,000 | $ 294,000 | $ 100,000 |
| Kent County Michigan | 36 | $ 6,620,000 | $ 183,000 | $ 109,000 |
| Kalamazoo County Michigan | 29 | $ 4,395,000 | $ 151,000 | $ 111,000 |
| Madison County North Carolina | 26 | $ 5,960,000 | $ 229,000 | $ 92,000 |
| Porter County Indiana | 24 | $ 4,570,000 | $ 190,000 | $ 128,000 |
| Polk County North Carolina | 20 | $ 4,630,000 | $ 231,000 | $ 100,000 |
| Rutherford County North Carolina | 20 | $ 3,260,000 | $ 163,000 | $ 106,000 |
| Muskegon County Michigan | 18 | $ 1,220,000 | $ 67,000 | $ 58,000 |
| Franklin County Arkansas | 17 | $ 2,095,000 | $ 123,000 | $ 78,000 |
| Cook County Illinois | 17 | $ 4,795,000 | $ 282,000 | $ 147,000 |
| Clark County Nevada | 16 | $ 3,570,000 | $ 223,000 | $ 147,000 |
| Mecklenburg County North Carolina | 16 | $ 4,410,000 | $ 275,000 | $ 195,000 |
| Wayne County Michigan | 15 | $ 2,095,000 | $ 139,000 | $ 79,000 |
| Storey County Nevada | 14 | $ 3,330,000 | $ 237,000 | $ 95,000 |
| Catawba County North Carolina | 13 | $ 1,935,000 | $ 148,000 | $ 106,000 |
| Logan County Arkansas | 12 | $ 1,250,000 | $ 104,000 | $ 75,000 |
| Elko County Nevada | 12 | $ 1,920,000 | $ 160,000 | $ 85,000 |
| Placer County California | 11 | $ 3,775,000 | $ 343,000 | $ 192,000 |
| Plumas County California | 11 | $ 2,755,000 | $ 250,000 | $ 153,000 |
| Burke County North Carolina | 10 | $ 1,770,000 | $ 177,000 | $ 133,000 |
| Union County North Carolina | 10 | $ 1,840,000 | $ 184,000 | $ 133,000 |
| Morrow County Ohio | 10 | $ 650,000 | $ 65,000 | $ 69,000 |
| Maricopa County Arizona | 9 | $ 2,445,000 | $ 271,000 | $ 123,000 |
| Marshall County Indiana | 9 | $ 1,665,000 | $ 185,000 | $ 129,000 |
| Jackson County North Carolina | 9 | $ 3,265,000 | $ 362,000 | $ 143,000 |
| Pulaski County Arkansas | 8 | $ 530,000 | $ 66,000 | $ 93,000 |
| Barry County Michigan | 8 | $ 1,150,000 | $ 143,000 | $ 111,000 |
| St. Joseph County Michigan | 8 | $ 1,450,000 | $ 181,000 | $ 121,000 |
| McDowell County North Carolina | 8 | $ 2,690,000 | $ 336,000 | $ 203,000 |
| Cuyahoga County Ohio | 8 | $ 810,000 | $ 101,000 | $ 60,000 |
| Hamilton County Indiana | 7 | $ 1,525,000 | $ 217,000 | $ 138,000 |
| Marion County Indiana | 7 | $ 665,000 | $ 95,000 | $ 68,000 |
| Oakland County Michigan | 7 | $ 1,695,000 | $ 242,000 | $ 133,000 |
| Churchill County Nevada | 7 | $ 1,525,000 | $ 217,000 | $ 91,000 |
| Alexander County North Carolina | 7 | $ 485,000 | $ 69,000 | $ 57,000 |
| Lincoln County North Carolina | 7 | $ 855,000 | $ 122,000 | $ 62,000 |
| Crawford County Ohio | 7 | $ 335,000 | $ 47,000 | $ 79,000 |
| Union County Ohio | 7 | $ 335,000 | $ 47,000 | $ 62,000 |
| Greenville County South Carolina | 7 | $ 1,505,000 | $ 215,000 | $ 97,000 |
| Carroll County Arkansas | 6 | $ 1,150,000 | $ 191,000 | $ 174,000 |
| Bay County Florida | 6 | $ 1,040,000 | $ 173,000 | $ 261,000 |
| Kosciusko County Indiana | 6 | $ 760,000 | $ 126,000 | $ 84,000 |
| Cabarrus County North Carolina | 6 | $ 480,000 | $ 80,000 | $ 179,000 |
| Madison County Arkansas | 5 | $ 735,000 | $ 147,000 | $ 54,000 |
| Saline County Arkansas | 5 | $ 485,000 | $ 97,000 | $ 49,000 |
| El Dorado County California | 5 | $ 1,195,000 | $ 239,000 | $ 189,000 |
| Palm Beach County Florida | 5 | $ 3,695,000 | $ 739,000 | $ 342,000 |
| St. Johns County Florida | 5 | $ 1,065,000 | $ 213,000 | $ 316,000 |
| Fulton County Georgia | 5 | $ 1,775,000 | $ 355,000 | $ 329,000 |
| Calhoun County Michigan | 5 | $ 475,000 | $ 95,000 | $ 56,000 |
| Grand Traverse County Michigan | 5 | $ 795,000 | $ 159,000 | $ 44,000 |
| Newaygo County Michigan | 5 | $ 445,000 | $ 89,000 | $ 63,000 |
| Davidson County North Carolina | 5 | $ 395,000 | $ 79,000 | $ 48,000 |
| Gaston County North Carolina | 5 | $ 325,000 | $ 65,000 | $ 66,000 |
| Macon County North Carolina | 5 | $ 1,045,000 | $ 209,000 | $ 103,000 |
| Rowan County North Carolina | 5 | $ 425,000 | $ 85,000 | $ 54,000 |
| Yancey County North Carolina | 5 | $ 685,000 | $ 137,000 | $ 48,000 |
| Delaware County Ohio | 5 | $ 475,000 | $ 95,000 | $ 74,000 |
| Franklin County Ohio | 5 | $ 565,000 | $ 113,000 | $ 83,000 |
| Hamilton County Ohio | 5 | $ 615,000 | $ 123,000 | $ 94,000 |
| Oconee County South Carolina | 5 | $ 1,395,000 | $ 279,000 | $ 454,000 |
| Spartanburg County South Carolina | 5 | $ 245,000 | $ 49,000 | $ 109,000 |
| Garland County Arkansas | 4 | $ 340,000 | $ 85,000 | $ 95,000 |
| Lonoke County Arkansas | 4 | $ 240,000 | $ 60,000 | $ 47,000 |
| Montgomery County Arkansas | 4 | $ 890,000 | $ 222,000 | $ 151,000 |
| Contra Costa County California | 4 | $ 1,760,000 | $ 440,000 | $ 273,000 |
| Nevada County California | 4 | $ 1,590,000 | $ 397,000 | $ 166,000 |
| DuPage County Illinois | 4 | $ 820,000 | $ 205,000 | $ 162,000 |
| Fulton County Indiana | 4 | $ 240,000 | $ 60,000 | $ 51,000 |
| Starke County Indiana | 4 | $ 280,000 | $ 70,000 | $ 55,000 |
| Johnson County Iowa | 4 | $ 970,000 | $ 242,000 | $ 147,000 |
| Washtenaw County Michigan | 4 | $ 1,060,000 | $ 265,000 | $ 170,000 |
| Newton County Missouri | 4 | $ 320,000 | $ 80,000 | $ 113,000 |
| Humboldt County Nevada | 4 | $ 900,000 | $ 225,000 | $ 132,000 |
| Davie County North Carolina | 4 | $ 280,000 | $ 70,000 | $ 70,000 |
| Mitchell County North Carolina | 4 | $ 310,000 | $ 77,000 | $ 66,000 |
| Wake County North Carolina | 4 | $ 1,340,000 | $ 335,000 | $ 142,000 |
| Wyandot County Ohio | 4 | $ 210,000 | $ 52,000 | $ 40,000 |
| Oklahoma County Oklahoma | 4 | $ 770,000 | $ 192,000 | $ 93,000 |
| Lee County Alabama | 3 | $ 475,000 | $ 158,000 | $ 364,000 |
| Scott County Arkansas | 3 | $ 175,000 | $ 58,000 | $ 37,000 |
| Sacramento County California | 3 | $ 945,000 | $ 315,000 | $ 137,000 |
| Lee County Florida | 3 | $ 695,000 | $ 231,000 | $ 169,000 |
| Pinellas County Florida | 3 | $ 505,000 | $ 168,000 | $ 165,000 |
| Floyd County Indiana | 3 | $ 55,000 | $ 18,000 | $ 42,000 |
| Hancock County Indiana | 3 | $ 555,000 | $ 185,000 | $ 137,000 |
| Tippecanoe County Indiana | 3 | $ 825,000 | $ 275,000 | $ 176,000 |
| Lake County Michigan | 3 | $ 475,000 | $ 158,000 | $ 163,000 |
| Lenawee County Michigan | 3 | $ 585,000 | $ 195,000 | $ 104,000 |
| Ogemaw County Michigan | 3 | $ 115,000 | $ 38,000 | $ 32,000 |
| Nye County Nevada | 3 | $ 375,000 | $ 125,000 | $ 104,000 |
| Brunswick County North Carolina | 3 | $ 1,365,000 | $ 455,000 | $ 520,000 |
| Forsyth County North Carolina | 3 | $ 535,000 | $ 178,000 | $ 139,000 |
| Watauga County North Carolina | 3 | $ 805,000 | $ 268,000 | $ 130,000 |
| Wilkes County North Carolina | 3 | $ 215,000 | $ 71,000 | $ 43,000 |
| Lake County Ohio | 3 | $ 145,000 | $ 48,000 | $ 59,000 |
| Montgomery County Ohio | 3 | $ 125,000 | $ 41,000 | $ 140,000 |
| Wood County Ohio | 3 | $ 455,000 | $ 151,000 | $ 136,000 |
| Pickens County South Carolina | 3 | $ 1,405,000 | $ 468,000 | $ 208,000 |
| Maury County Tennessee | 3 | $ 275,000 | $ 91,000 | $ 71,000 |
| Sevier County Tennessee | 3 | $ 1,175,000 | $ 391,000 | $ 95,000 |
| Pima County Arizona | 2 | $ 350,000 | $ 175,000 | $ 99,000 |
| Baxter County Arkansas | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Boone County Arkansas | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| Cleburne County Arkansas | 2 | $ 180,000 | $ 90,000 | $ 131,000 |
| Newton County Arkansas | 2 | $ 660,000 | $ 330,000 | $ 106,000 |
| Polk County Arkansas | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Yell County Arkansas | 2 | $ 300,000 | $ 150,000 | $ 79,000 |
| Alameda County California | 2 | $ 1,630,000 | $ 815,000 | $ 358,000 |
| Lassen County California | 2 | $ 110,000 | $ 55,000 | $ 64,000 |
| Madera County California | 2 | $ 360,000 | $ 180,000 | $ 71,000 |
| Orange County California | 2 | $ 480,000 | $ 240,000 | $ 147,000 |
| Riverside County California | 2 | $ 630,000 | $ 315,000 | $ 170,000 |
| Santa Clara County California | 2 | $ 1,530,000 | $ 765,000 | $ 340,000 |
| Sierra County California | 2 | $ 460,000 | $ 230,000 | $ 61,000 |
| Alachua County Florida | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Brevard County Florida | 2 | $ 540,000 | $ 270,000 | $ 102,000 |
| Broward County Florida | 2 | $ 440,000 | $ 220,000 | $ 149,000 |
| Charlotte County Florida | 2 | $ 140,000 | $ 70,000 | $ 64,000 |
| Escambia County Florida | 2 | $ 260,000 | $ 130,000 | $ 171,000 |
| Hillsborough County Florida | 2 | $ 920,000 | $ 460,000 | $ 133,000 |
| Miami-Dade County Florida | 2 | $ 650,000 | $ 325,000 | $ 219,000 |
| Osceola County Florida | 2 | $ 350,000 | $ 175,000 | $ 71,000 |
| St. Lucie County Florida | 2 | $ 280,000 | $ 140,000 | $ 106,000 |
| Walton County Florida | 2 | $ 720,000 | $ 360,000 | $ 164,000 |
| Bibb County Georgia | 2 | $ 160,000 | $ 80,000 | $ 103,000 |
| Candler County Georgia | 2 | $ 500,000 | $ 250,000 | $ 65,000 |
| Cobb County Georgia | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Dade County Georgia | 2 | $ 580,000 | $ 290,000 | $ 181,000 |
| Forsyth County Georgia | 2 | $ 460,000 | $ 230,000 | $ 155,000 |
| Gwinnett County Georgia | 2 | $ 160,000 | $ 80,000 | $ 136,000 |
| Grundy County Illinois | 2 | $ 180,000 | $ 90,000 | $ 87,000 |
| Kendall County Illinois | 2 | $ 310,000 | $ 155,000 | $ 68,000 |
| Lake County Illinois | 2 | $ 350,000 | $ 175,000 | $ 169,000 |
| Allen County Indiana | 2 | $ 460,000 | $ 230,000 | $ 145,000 |
| LaGrange County Indiana | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Parke County Indiana | 2 | $ 60,000 | $ 30,000 | $ 66,000 |
| Pulaski County Indiana | 2 | $ 60,000 | $ 30,000 | $ 15,000 |
| Steuben County Indiana | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Bristol County Massachusetts | 2 | $ 770,000 | $ 385,000 | $ 149,000 |
| Benzie County Michigan | 2 | $ 350,000 | $ 175,000 | $ 108,000 |
| Charlevoix County Michigan | 2 | $ 600,000 | $ 300,000 | $ 116,000 |
| Ingham County Michigan | 2 | $ 70,000 | $ 35,000 | $ 43,000 |
| Isabella County Michigan | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Leelanau County Michigan | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| Macomb County Michigan | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| Midland County Michigan | 2 | $ 210,000 | $ 105,000 | $ 110,000 |
| Montcalm County Michigan | 2 | $ 380,000 | $ 190,000 | $ 92,000 |
| Oceana County Michigan | 2 | $ 150,000 | $ 75,000 | $ 59,000 |
| Barry County Missouri | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| Taney County Missouri | 2 | $ 430,000 | $ 215,000 | $ 80,000 |
| Mineral County Nevada | 2 | $ 100,000 | $ 50,000 | $ 77,000 |
| Onondaga County New York | 2 | $ 290,000 | $ 145,000 | $ 149,000 |
| Chatham County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 124,000 |
| Stanly County North Carolina | 2 | $ 50,000 | $ 25,000 | $ 66,000 |
| Allen County Ohio | 2 | $ 90,000 | $ 45,000 | $ 30,000 |
| Clermont County Ohio | 2 | $ 60,000 | $ 30,000 | $ 44,000 |
| Fairfield County Ohio | 2 | $ 90,000 | $ 45,000 | $ 107,000 |
| Hancock County Ohio | 2 | $ 470,000 | $ 235,000 | $ 84,000 |
| Hardin County Ohio | 2 | $ 90,000 | $ 45,000 | $ 48,000 |
| Lucas County Ohio | 2 | $ 100,000 | $ 50,000 | $ 96,000 |
| Madison County Ohio | 2 | $ 60,000 | $ 30,000 | $ 54,000 |
| Richland County Ohio | 2 | $ 50,000 | $ 25,000 | $ 50,000 |
| Summit County Ohio | 2 | $ 90,000 | $ 45,000 | $ 32,000 |
| Warren County Ohio | 2 | $ 180,000 | $ 90,000 | $ 52,000 |
| McIntosh County Oklahoma | 2 | $ 730,000 | $ 365,000 | $ 111,000 |
| Muskogee County Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 81,000 |
| Pushmataha County Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Tulsa County Oklahoma | 2 | $ 390,000 | $ 195,000 | $ 136,000 |
| Multnomah County Oregon | 2 | $ 270,000 | $ 135,000 | $ 144,000 |
| Allegheny County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 103,000 |
| Beaver County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Beaufort County South Carolina | 2 | $ 3,520,000 | $ 1,760,000 | $ 808,000 |
| Charleston County South Carolina | 2 | $ 580,000 | $ 290,000 | $ 122,000 |
| Rutherford County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Travis County Texas | 2 | $ 630,000 | $ 315,000 | $ 327,000 |
| Fairfax County Virginia | 2 | $ 1,200,000 | $ 600,000 | $ 183,000 |
| Snohomish County Washington | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Jefferson County Alabama | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Marshall County Alabama | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Morgan County Alabama | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Arkansas County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Bradley County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 2,000 |
| Clay County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Greene County Arkansas | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Hot Spring County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Jackson County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Jefferson County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Lawrence County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Marion County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Poinsett County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Pope County Arkansas | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Searcy County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Van Buren County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Alpine County California | 1 | $ 155,000 | $ 155,000 | $ 350,000 |
| Amador County California | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Calaveras County California | 1 | $ 15,000 | $ 15,000 | $ 119,000 |
| Inyo County California | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Los Angeles County California | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Marin County California | 1 | $ 2,505,000 | $ 2,505,000 | $ 544,000 |
| Mendocino County California | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Monterey County California | 1 | $ 495,000 | $ 495,000 | $ 293,000 |
| San Bernardino County California | 1 | $ 275,000 | $ 275,000 | $ 249,000 |
| San Diego County California | 1 | $ 415,000 | $ 415,000 | $ 68,000 |
| San Luis Obispo County California | 1 | $ 475,000 | $ 475,000 | $ 209,000 |
| Sonoma County California | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Stanislaus County California | 1 | $ 1,045,000 | $ 1,045,000 | $ 800,000 |
| Adams County Colorado | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Arapahoe County Colorado | 1 | $ 435,000 | $ 435,000 | $ 129,000 |
| Denver County Colorado | 1 | $ 225,000 | $ 225,000 | $ 318,000 |
| Fremont County Colorado | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Jefferson County Colorado | 1 | $ 485,000 | $ 485,000 | $ 96,000 |
| District of Columbia County District Of Columbia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Collier County Florida | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Hernando County Florida | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Highlands County Florida | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Indian River County Florida | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Levy County Florida | 1 | $ 435,000 | $ 435,000 | $ 225,000 |
| Marion County Florida | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Nassau County Florida | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Orange County Florida | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Pasco County Florida | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Polk County Florida | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Sarasota County Florida | 1 | $ 385,000 | $ 385,000 | $ 1,000 |
| Seminole County Florida | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Sumter County Florida | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Volusia County Florida | 1 | $ 565,000 | $ 565,000 | $ 253,000 |
| Barrow County Georgia | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Clayton County Georgia | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Coffee County Georgia | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Dawson County Georgia | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| DeKalb County Georgia | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Glynn County Georgia | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Hall County Georgia | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Henry County Georgia | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Paulding County Georgia | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Spalding County Georgia | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Teton County Idaho | 1 | $ 565,000 | $ 565,000 | $ 260,000 |
| Will County Illinois | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Adams County Indiana | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Boone County Indiana | 1 | $ 565,000 | $ 565,000 | $ 310,000 |
| Cass County Indiana | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Delaware County Indiana | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Gibson County Indiana | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Hendricks County Indiana | 1 | $ 5,000 | $ 5,000 | $ 21,000 |
| Henry County Indiana | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Jasper County Indiana | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Lawrence County Indiana | 1 | $ 15,000 | $ 15,000 | $ 3,000 |
| Miami County Indiana | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Monroe County Indiana | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Morgan County Indiana | 1 | $ 15,000 | $ 15,000 | $ 5,000 |
| Rush County Indiana | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Vermillion County Indiana | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Vigo County Indiana | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Wells County Indiana | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Clinton County Iowa | 1 | $ 115,000 | $ 115,000 | $ 107,000 |
| Anderson County Kansas | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Johnson County Kansas | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Casey County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Clark County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Kenton County Kentucky | 1 | $ 375,000 | $ 375,000 | $ 170,000 |
| Lincoln County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Terrebonne County Louisiana | 1 | $ 325,000 | $ 325,000 | $ 160,000 |
| Androscoggin County Maine | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Prince George's County Maryland | 1 | $ 445,000 | $ 445,000 | $ 95,000 |
| Barnstable County Massachusetts | 1 | $ 425,000 | $ 425,000 | $ 151,000 |
| Norfolk County Massachusetts | 1 | $ 615,000 | $ 615,000 | $ 88,000 |
| Antrim County Michigan | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Arenac County Michigan | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Cheboygan County Michigan | 1 | $ 95,000 | $ 95,000 | $ 148,000 |
| Clare County Michigan | 1 | $ 95,000 | $ 95,000 | $ 134,000 |
| Crawford County Michigan | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Emmet County Michigan | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Genesee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Gladwin County Michigan | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Hillsdale County Michigan | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Houghton County Michigan | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Ionia County Michigan | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Jackson County Michigan | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Kalkaska County Michigan | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Lapeer County Michigan | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Livingston County Michigan | 1 | $ 175,000 | $ 175,000 | $ 191,000 |
| Manistee County Michigan | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Marquette County Michigan | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| Mason County Michigan | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Mecosta County Michigan | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Missaukee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Otsego County Michigan | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Saginaw County Michigan | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| St. Clair County Michigan | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Dakota County Minnesota | 1 | $ 775,000 | $ 775,000 | $ 231,000 |
| Lyon County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| DeSoto County Mississippi | 1 | $ 415,000 | $ 415,000 | $ 202,000 |
| Chariton County Missouri | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Christian County Missouri | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Jefferson County Missouri | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| Lincoln County Missouri | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| McDonald County Missouri | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Polk County Missouri | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Douglas County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Bernalillo County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Santa Fe County New Mexico | 1 | $ 435,000 | $ 435,000 | $ 127,000 |
| Bronx County New York | 1 | $ 585,000 | $ 585,000 | $ 258,000 |
| Rockland County New York | 1 | $ 335,000 | $ 335,000 | $ 255,000 |
| Alleghany County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 223,000 |
| Beaufort County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Caldwell County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Carteret County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Cleveland County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 162,000 |
| Columbus County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Durham County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Graham County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 184,000 |
| Guilford County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Harnett County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Johnston County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 136,000 |
| Pamlico County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Pitt County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 15,000 |
| Randolph County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Stokes County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Surry County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Yadkin County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Ashland County Ohio | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Belmont County Ohio | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Butler County Ohio | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Champaign County Ohio | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Columbiana County Ohio | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Jefferson County Ohio | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Lorain County Ohio | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Medina County Ohio | 1 | $ 295,000 | $ 295,000 | $ 350,000 |
| Meigs County Ohio | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Miami County Ohio | 1 | $ 145,000 | $ 145,000 | $ 121,000 |
| Morgan County Ohio | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Ottawa County Ohio | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Sandusky County Ohio | 1 | $ 45,000 | $ 45,000 | $ 12,000 |
| Seneca County Ohio | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Stark County Ohio | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Adair County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Cherokee County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Haskell County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Latimer County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Lincoln County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| McClain County Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 133,000 |
| Pittsburg County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Clackamas County Oregon | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Josephine County Oregon | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| Lehigh County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Luzerne County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Northampton County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Anderson County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 195,000 |
| Berkeley County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Greenwood County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 245,000 |
| Horry County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Lancaster County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Union County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| York County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Bedford County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Bradley County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Carter County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
| Grundy County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Knox County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Montgomery County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 104,000 |
| Overton County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 190,000 |
| Washington County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Bexar County Texas | 1 | $ 515,000 | $ 515,000 | $ 170,000 |
| Brazoria County Texas | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Collin County Texas | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Tarrant County Texas | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Wichita County Texas | 1 | $ 105,000 | $ 105,000 | $ 4,000 |
| Williamson County Texas | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Utah County Utah | 1 | $ 215,000 | $ 215,000 | $ 158,000 |
| Windsor County Vermont | 1 | $ 585,000 | $ 585,000 | $ 330,000 |
| Arlington County Virginia | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Chesterfield County Virginia | 1 | $ 565,000 | $ 565,000 | $ 225,000 |
| Northampton County Virginia | 1 | $ 1,105,000 | $ 1,105,000 | $ 258,000 |
| Rockingham County Virginia | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| Staunton County Virginia | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| King County Washington | 1 | $ 245,000 | $ 245,000 | $ 240,000 |
| Cabell County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Eau Claire County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Jefferson County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Marathon County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Marinette County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| St. Croix County Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 208,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,305 | $500,965,000 | $217,000 | $2,015,000 | $116,000 | $1,937,000 |
| Home Purchase | 1,811 | $380,055,000 | $209,000 | $1,265,000 | $98,000 | $1,288,000 |
| Cash-out Refinancing | 1,386 | $278,800,000 | $201,000 | $5,005,000 | $97,000 | $1,351,000 |
| Home Improvement | 1,385 | $134,075,000 | $96,000 | $2,505,000 | $99,000 | $911,000 |
| Other Purpose | 1,169 | $146,895,000 | $125,000 | $1,955,000 | $91,000 | $1,102,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 6,118 | $1,125,040,000 | $183,000 | $5,005,000 | $103,000 | $1,937,000 |
| Not Provided | 800 | $99,940,000 | $124,000 | $2,355,000 | $106,000 | $1,088,000 |
| Hispanic | 584 | $105,040,000 | $179,000 | $1,265,000 | $81,000 | $439,000 |
| Asian | 222 | $58,840,000 | $265,000 | $2,015,000 | $132,000 | $1,200,000 |
| Black or African American | 219 | $28,395,000 | $129,000 | $2,005,000 | $81,000 | $959,000 |
| American Indian or Alaskan Native | 78 | $13,780,000 | $176,000 | $795,000 | $98,000 | $620,000 |
| Not applicable | 21 | $5,075,000 | $241,000 | $1,355,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,970,000 | $297,000 | $925,000 | $177,000 | $555,000 |
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) | 7,897 | $1,414,855,000 | $179,000 | $5,005,000 | $103,000 | $1,937,000 |
| FHA-insured (Federal Housing Administration) | 103 | $17,635,000 | $171,000 | $495,000 | $66,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,985,000 | $127,000 | $295,000 | $49,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,315,000 | $195,000 | $345,000 | $86,000 | $210,000 |
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 | 5,019 | $943,115,000 | $187,000 | $5,005,000 | $104,000 | $1,937,000 |
| Application Withdrawn By Applicant | 1,666 | $351,730,000 | $211,000 | $1,765,000 | $107,000 | $1,937,000 |
| Application Denied By Financial Institution | 1,001 | $104,045,000 | $103,000 | $1,955,000 | $79,000 | $959,000 |
| Application Approved But Not Accepted | 273 | $17,195,000 | $62,000 | $945,000 | $105,000 | $820,000 |
| File Closed For Incompleteness | 97 | $24,705,000 | $254,000 | $2,355,000 | $120,000 | $558,000 |
| 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 | 7,055 | $1,336,745,000 | $189,000 | $5,005,000 | $105,000 | $1,937,000 |
| Credit History | 389 | $30,615,000 | $78,000 | $1,955,000 | $70,000 | $620,000 |
| Debt-To-Income Ratio | 210 | $37,940,000 | $180,000 | $1,095,000 | $61,000 | $414,000 |
| Credit Application Incomplete | 187 | $11,935,000 | $63,000 | $505,000 | $86,000 | $465,000 |
| Collateral | 161 | $15,875,000 | $98,000 | $1,495,000 | $105,000 | $959,000 |
| Unverifiable Information | 21 | $4,635,000 | $220,000 | $795,000 | $126,000 | $845,000 |
| Other | 16 | $1,180,000 | $73,000 | $205,000 | $100,000 | $255,000 |
| Employment History | 13 | $1,225,000 | $94,000 | $305,000 | $68,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $640,000 | $160,000 | $325,000 | $61,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2020 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.