United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
United Federal Credit Union 2021 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 | 7,635 |
| Total Mortgage Loan Application Amount | $1,385,175,000 |
| Average Mortgage Loan Application Amount | $176,600 |
| Highest Mortgage Loan Application Amount | $2,625,000 |
| Average Applicant Income | $100,800 |
| Highest Applicant Income | $2,854,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,708 | $ 251,200,000 | $ 147,000 | $ 92,000 |
| Washoe County Nevada | 1,234 | $ 303,740,000 | $ 246,000 | $ 130,000 |
| St. Joseph County Indiana | 374 | $ 51,120,000 | $ 136,000 | $ 82,000 |
| Buncombe County North Carolina | 372 | $ 112,360,000 | $ 302,000 | $ 138,000 |
| Sebastian County Arkansas | 288 | $ 38,070,000 | $ 132,000 | $ 80,000 |
| Henderson County North Carolina | 286 | $ 59,950,000 | $ 209,000 | $ 99,000 |
| Ottawa County Michigan | 269 | $ 39,375,000 | $ 146,000 | $ 86,000 |
| Benton County Arkansas | 206 | $ 42,520,000 | $ 206,000 | $ 112,000 |
| Crawford County Arkansas | 206 | $ 27,300,000 | $ 132,000 | $ 78,000 |
| Iredell County North Carolina | 191 | $ 23,995,000 | $ 125,000 | $ 78,000 |
| Marion County Ohio | 190 | $ 14,370,000 | $ 75,000 | $ 67,000 |
| Cass County Michigan | 176 | $ 27,090,000 | $ 153,000 | $ 93,000 |
| Carson City County Nevada | 146 | $ 32,520,000 | $ 222,000 | $ 86,000 |
| Washington County Arkansas | 134 | $ 27,980,000 | $ 208,000 | $ 107,000 |
| Allegan County Michigan | 134 | $ 20,420,000 | $ 152,000 | $ 85,000 |
| Lyon County Nevada | 122 | $ 24,480,000 | $ 200,000 | $ 85,000 |
| Elkhart County Indiana | 94 | $ 15,330,000 | $ 163,000 | $ 84,000 |
| Douglas County Nevada | 94 | $ 29,470,000 | $ 313,000 | $ 130,000 |
| Lake County Indiana | 85 | $ 7,425,000 | $ 87,000 | $ 75,000 |
| Le Flore County Oklahoma | 65 | $ 6,105,000 | $ 93,000 | $ 61,000 |
| Van Buren County Michigan | 63 | $ 7,735,000 | $ 122,000 | $ 88,000 |
| Madison County North Carolina | 36 | $ 8,930,000 | $ 248,000 | $ 125,000 |
| Haywood County North Carolina | 35 | $ 10,325,000 | $ 295,000 | $ 129,000 |
| Sequoyah County Oklahoma | 35 | $ 4,045,000 | $ 115,000 | $ 81,000 |
| Kent County Michigan | 32 | $ 5,330,000 | $ 166,000 | $ 102,000 |
| LaPorte County Indiana | 31 | $ 6,835,000 | $ 220,000 | $ 112,000 |
| Transylvania County North Carolina | 27 | $ 6,425,000 | $ 237,000 | $ 111,000 |
| Churchill County Nevada | 24 | $ 4,490,000 | $ 187,000 | $ 73,000 |
| Kalamazoo County Michigan | 23 | $ 5,065,000 | $ 220,000 | $ 150,000 |
| Clark County Nevada | 20 | $ 3,250,000 | $ 162,000 | $ 176,000 |
| Franklin County Arkansas | 18 | $ 2,570,000 | $ 142,000 | $ 110,000 |
| Muskegon County Michigan | 18 | $ 1,730,000 | $ 96,000 | $ 53,000 |
| Catawba County North Carolina | 17 | $ 2,655,000 | $ 156,000 | $ 81,000 |
| Storey County Nevada | 16 | $ 2,560,000 | $ 160,000 | $ 90,000 |
| Morrow County Ohio | 16 | $ 1,270,000 | $ 79,000 | $ 86,000 |
| Mecklenburg County North Carolina | 14 | $ 2,670,000 | $ 190,000 | $ 127,000 |
| Rutherford County North Carolina | 14 | $ 3,080,000 | $ 220,000 | $ 95,000 |
| Porter County Indiana | 13 | $ 2,405,000 | $ 185,000 | $ 122,000 |
| Plumas County California | 12 | $ 2,760,000 | $ 230,000 | $ 173,000 |
| Cook County Illinois | 12 | $ 2,450,000 | $ 204,000 | $ 136,000 |
| Polk County North Carolina | 11 | $ 1,865,000 | $ 169,000 | $ 68,000 |
| Union County Ohio | 11 | $ 1,505,000 | $ 136,000 | $ 61,000 |
| Lee County Florida | 10 | $ 1,030,000 | $ 103,000 | $ 89,000 |
| Logan County Arkansas | 9 | $ 515,000 | $ 57,000 | $ 63,000 |
| Polk County Arkansas | 9 | $ 1,575,000 | $ 175,000 | $ 85,000 |
| Elko County Nevada | 9 | $ 1,605,000 | $ 178,000 | $ 83,000 |
| Alexander County North Carolina | 9 | $ 795,000 | $ 88,000 | $ 80,000 |
| Madison County Arkansas | 8 | $ 1,240,000 | $ 155,000 | $ 62,000 |
| Nevada County California | 8 | $ 7,500,000 | $ 937,000 | $ 255,000 |
| Yancey County North Carolina | 8 | $ 2,120,000 | $ 265,000 | $ 96,000 |
| Wayne County Michigan | 7 | $ 725,000 | $ 103,000 | $ 96,000 |
| Forsyth County North Carolina | 7 | $ 715,000 | $ 102,000 | $ 83,000 |
| Cuyahoga County Ohio | 7 | $ 535,000 | $ 76,000 | $ 94,000 |
| Wyandot County Ohio | 7 | $ 525,000 | $ 75,000 | $ 57,000 |
| Greenville County South Carolina | 7 | $ 2,285,000 | $ 326,000 | $ 130,000 |
| Spartanburg County South Carolina | 7 | $ 1,205,000 | $ 172,000 | $ 75,000 |
| Maricopa County Arizona | 6 | $ 430,000 | $ 71,000 | $ 119,000 |
| Johnson County Arkansas | 6 | $ 590,000 | $ 98,000 | $ 93,000 |
| Placer County California | 6 | $ 3,540,000 | $ 590,000 | $ 208,000 |
| Palm Beach County Florida | 6 | $ 1,040,000 | $ 173,000 | $ 123,000 |
| Marshall County Indiana | 6 | $ 1,250,000 | $ 208,000 | $ 97,000 |
| Pulaski County Indiana | 6 | $ 990,000 | $ 165,000 | $ 47,000 |
| Oakland County Michigan | 6 | $ 1,400,000 | $ 233,000 | $ 135,000 |
| St. Joseph County Michigan | 6 | $ 850,000 | $ 141,000 | $ 84,000 |
| Rowan County North Carolina | 6 | $ 850,000 | $ 141,000 | $ 79,000 |
| Boone County Arkansas | 5 | $ 1,195,000 | $ 239,000 | $ 83,000 |
| Faulkner County Arkansas | 5 | $ 555,000 | $ 111,000 | $ 114,000 |
| Orange County Florida | 5 | $ 1,295,000 | $ 259,000 | $ 360,000 |
| Pinellas County Florida | 5 | $ 1,045,000 | $ 209,000 | $ 226,000 |
| Will County Illinois | 5 | $ 1,125,000 | $ 225,000 | $ 199,000 |
| Jasper County Missouri | 5 | $ 235,000 | $ 47,000 | $ 71,000 |
| Burke County North Carolina | 5 | $ 865,000 | $ 173,000 | $ 73,000 |
| Guilford County North Carolina | 5 | $ 1,355,000 | $ 271,000 | $ 281,000 |
| Jackson County North Carolina | 5 | $ 2,385,000 | $ 477,000 | $ 318,000 |
| Lincoln County North Carolina | 5 | $ 835,000 | $ 167,000 | $ 77,000 |
| McDowell County North Carolina | 5 | $ 945,000 | $ 189,000 | $ 73,000 |
| Delaware County Ohio | 5 | $ 975,000 | $ 195,000 | $ 137,000 |
| Haskell County Oklahoma | 5 | $ 785,000 | $ 157,000 | $ 83,000 |
| Tulsa County Oklahoma | 5 | $ 775,000 | $ 155,000 | $ 99,000 |
| Carroll County Arkansas | 4 | $ 790,000 | $ 197,000 | $ 74,000 |
| Montgomery County Arkansas | 4 | $ 1,260,000 | $ 315,000 | $ 292,000 |
| Pope County Arkansas | 4 | $ 270,000 | $ 67,000 | $ 40,000 |
| Saline County Arkansas | 4 | $ 750,000 | $ 187,000 | $ 111,000 |
| Scott County Arkansas | 4 | $ 400,000 | $ 100,000 | $ 105,000 |
| Alameda County California | 4 | $ 1,780,000 | $ 445,000 | $ 280,000 |
| Riverside County California | 4 | $ 380,000 | $ 95,000 | $ 120,000 |
| Sacramento County California | 4 | $ 990,000 | $ 247,000 | $ 116,000 |
| Bay County Florida | 4 | $ 830,000 | $ 207,000 | $ 284,000 |
| Marion County Indiana | 4 | $ 400,000 | $ 100,000 | $ 35,000 |
| White County Indiana | 4 | $ 560,000 | $ 140,000 | $ 106,000 |
| Calhoun County Michigan | 4 | $ 390,000 | $ 97,000 | $ 70,000 |
| Grand Traverse County Michigan | 4 | $ 1,010,000 | $ 252,000 | $ 134,000 |
| Macomb County Michigan | 4 | $ 340,000 | $ 85,000 | $ 70,000 |
| McDonald County Missouri | 4 | $ 430,000 | $ 107,000 | $ 100,000 |
| Cabarrus County North Carolina | 4 | $ 820,000 | $ 205,000 | $ 96,000 |
| Macon County North Carolina | 4 | $ 870,000 | $ 217,000 | $ 111,000 |
| Wilkes County North Carolina | 4 | $ 190,000 | $ 47,000 | $ 48,000 |
| Richland County Ohio | 4 | $ 240,000 | $ 60,000 | $ 55,000 |
| Horry County South Carolina | 4 | $ 870,000 | $ 217,000 | $ 105,000 |
| Dallas County Texas | 4 | $ 350,000 | $ 87,000 | $ 146,000 |
| Baxter County Arkansas | 3 | $ 435,000 | $ 145,000 | $ 56,000 |
| Garland County Arkansas | 3 | $ 835,000 | $ 278,000 | $ 112,000 |
| El Dorado County California | 3 | $ 1,285,000 | $ 428,000 | $ 243,000 |
| Orange County California | 3 | $ 205,000 | $ 68,000 | $ 135,000 |
| Collier County Florida | 3 | $ 575,000 | $ 191,000 | $ 120,000 |
| Marion County Florida | 3 | $ 385,000 | $ 128,000 | $ 40,000 |
| Jasper County Indiana | 3 | $ 405,000 | $ 135,000 | $ 57,000 |
| Kosciusko County Indiana | 3 | $ 255,000 | $ 85,000 | $ 48,000 |
| Noble County Indiana | 3 | $ 325,000 | $ 108,000 | $ 42,000 |
| Starke County Indiana | 3 | $ 325,000 | $ 108,000 | $ 56,000 |
| Branch County Michigan | 3 | $ 405,000 | $ 135,000 | $ 46,000 |
| Livingston County Michigan | 3 | $ 645,000 | $ 215,000 | $ 129,000 |
| Manistee County Michigan | 3 | $ 105,000 | $ 35,000 | $ 70,000 |
| Mason County Michigan | 3 | $ 185,000 | $ 61,000 | $ 60,000 |
| Oceana County Michigan | 3 | $ 395,000 | $ 131,000 | $ 51,000 |
| Barry County Missouri | 3 | $ 655,000 | $ 218,000 | $ 110,000 |
| Webster County Missouri | 3 | $ 105,000 | $ 35,000 | $ 43,000 |
| Humboldt County Nevada | 3 | $ 375,000 | $ 125,000 | $ 110,000 |
| Davie County North Carolina | 3 | $ 715,000 | $ 238,000 | $ 72,000 |
| Gaston County North Carolina | 3 | $ 495,000 | $ 165,000 | $ 81,000 |
| Wake County North Carolina | 3 | $ 495,000 | $ 165,000 | $ 117,000 |
| Franklin County Ohio | 3 | $ 465,000 | $ 155,000 | $ 71,000 |
| Ottawa County Oklahoma | 3 | $ 255,000 | $ 85,000 | $ 41,000 |
| Sevier County Tennessee | 3 | $ 1,065,000 | $ 355,000 | $ 208,000 |
| Williamson County Tennessee | 3 | $ 1,355,000 | $ 451,000 | $ 153,000 |
| Travis County Texas | 3 | $ 195,000 | $ 65,000 | $ 118,000 |
| Fairfax County Virginia | 3 | $ 395,000 | $ 131,000 | $ 137,000 |
| Baldwin County Alabama | 2 | $ 370,000 | $ 185,000 | $ 95,000 |
| Pima County Arizona | 2 | $ 110,000 | $ 55,000 | $ 194,000 |
| Jefferson County Arkansas | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Van Buren County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 35,000 |
| Contra Costa County California | 2 | $ 130,000 | $ 65,000 | $ 117,000 |
| Lassen County California | 2 | $ 170,000 | $ 85,000 | $ 65,000 |
| Los Angeles County California | 2 | $ 100,000 | $ 50,000 | $ 95,000 |
| San Diego County California | 2 | $ 750,000 | $ 375,000 | $ 149,000 |
| Broward County Florida | 2 | $ 260,000 | $ 130,000 | $ 83,000 |
| St. Johns County Florida | 2 | $ 440,000 | $ 220,000 | $ 279,000 |
| Chatham County Georgia | 2 | $ 240,000 | $ 120,000 | $ 89,000 |
| Fulton County Georgia | 2 | $ 1,840,000 | $ 920,000 | $ 332,000 |
| Glynn County Georgia | 2 | $ 370,000 | $ 185,000 | $ 71,000 |
| Gwinnett County Georgia | 2 | $ 490,000 | $ 245,000 | $ 167,000 |
| Gooding County Idaho | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Kane County Illinois | 2 | $ 460,000 | $ 230,000 | $ 122,000 |
| Allen County Indiana | 2 | $ 170,000 | $ 85,000 | $ 38,000 |
| Hamilton County Indiana | 2 | $ 360,000 | $ 180,000 | $ 83,000 |
| Johnson County Indiana | 2 | $ 230,000 | $ 115,000 | $ 67,000 |
| Jefferson County Kentucky | 2 | $ 610,000 | $ 305,000 | $ 157,000 |
| St. Tammany County Louisiana | 2 | $ 620,000 | $ 310,000 | $ 427,000 |
| Alpena County Michigan | 2 | $ 170,000 | $ 85,000 | $ 49,000 |
| Antrim County Michigan | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Barry County Michigan | 2 | $ 220,000 | $ 110,000 | $ 156,000 |
| Bay County Michigan | 2 | $ 90,000 | $ 45,000 | $ 25,000 |
| Charlevoix County Michigan | 2 | $ 530,000 | $ 265,000 | $ 133,000 |
| Eaton County Michigan | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Ingham County Michigan | 2 | $ 130,000 | $ 65,000 | $ 27,000 |
| Ionia County Michigan | 2 | $ 790,000 | $ 395,000 | $ 77,000 |
| Lake County Michigan | 2 | $ 230,000 | $ 115,000 | $ 89,000 |
| Leelanau County Michigan | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Monroe County Michigan | 2 | $ 560,000 | $ 280,000 | $ 95,000 |
| Newaygo County Michigan | 2 | $ 750,000 | $ 375,000 | $ 110,000 |
| Washtenaw County Michigan | 2 | $ 610,000 | $ 305,000 | $ 168,000 |
| Newton County Missouri | 2 | $ 330,000 | $ 165,000 | $ 77,000 |
| Pershing County Nevada | 2 | $ 340,000 | $ 170,000 | $ 120,000 |
| Dona Ana County New Mexico | 2 | $ 290,000 | $ 145,000 | $ 249,000 |
| Durham County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 32,000 |
| Mitchell County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Onslow County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 52,000 |
| Orange County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 168,000 |
| Rockingham County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Union County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Butler County Ohio | 2 | $ 180,000 | $ 90,000 | $ 95,000 |
| Crawford County Ohio | 2 | $ 290,000 | $ 145,000 | $ 62,000 |
| Hancock County Ohio | 2 | $ 830,000 | $ 415,000 | $ 181,000 |
| Lucas County Ohio | 2 | $ 230,000 | $ 115,000 | $ 121,000 |
| Ottawa County Ohio | 2 | $ 330,000 | $ 165,000 | $ 91,000 |
| Portage County Ohio | 2 | $ 90,000 | $ 45,000 | $ 117,000 |
| Warren County Ohio | 2 | $ 210,000 | $ 105,000 | $ 107,000 |
| Cherokee County Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 70,000 |
| Clackamas County Oregon | 2 | $ 190,000 | $ 95,000 | $ 122,000 |
| Dauphin County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 37,000 |
| Lancaster County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 203,000 |
| Richland County South Carolina | 2 | $ 80,000 | $ 40,000 | $ 43,000 |
| Clay County South Dakota | 2 | $ 30,000 | $ 15,000 | $ 36,000 |
| Bristol County Virginia | 2 | $ 310,000 | $ 155,000 | $ 41,000 |
| Henry County Alabama | 1 | $ 385,000 | $ 385,000 | $ 70,000 |
| Jefferson County Alabama | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Limestone County Alabama | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Montgomery County Alabama | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Morgan County Alabama | 1 | $ 85,000 | $ 85,000 | $ 131,000 |
| Apache County Arizona | 1 | $ 85,000 | $ 85,000 | $ 18,000 |
| Coconino County Arizona | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Mohave County Arizona | 1 | $ 275,000 | $ 275,000 | $ 165,000 |
| Yavapai County Arizona | 1 | $ 1,035,000 | $ 1,035,000 | $ 953,000 |
| Ashley County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Clay County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Cleburne County Arkansas | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Hot Spring County Arkansas | 1 | $ 5,000 | $ 5,000 | $ 124,000 |
| Marion County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 98,000 |
| Perry County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Pulaski County Arkansas | 1 | $ 315,000 | $ 315,000 | $ 739,000 |
| Searcy County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 131,000 |
| Sharp County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| White County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Yell County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Amador County California | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Fresno County California | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
| Kern County California | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Madera County California | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Mono County California | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Solano County California | 1 | $ 5,000 | $ 5,000 | $ 163,000 |
| Stanislaus County California | 1 | $ 365,000 | $ 365,000 | $ 216,000 |
| Tuolumne County California | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Ventura County California | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Denver County Colorado | 1 | $ 455,000 | $ 455,000 | $ 108,000 |
| El Paso County Colorado | 1 | $ 25,000 | $ 25,000 | $ 155,000 |
| Jefferson County Colorado | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Pueblo County Colorado | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Hartford County Connecticut | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| New Haven County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 175,000 |
| New Castle County Delaware | 1 | $ 125,000 | $ 125,000 | $ 157,000 |
| Charlotte County Florida | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Citrus County Florida | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Columbia County Florida | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Duval County Florida | 1 | $ 35,000 | $ 35,000 | $ 123,000 |
| Franklin County Florida | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
| Highlands County Florida | 1 | $ 115,000 | $ 115,000 | $ 430,000 |
| Hillsborough County Florida | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Levy County Florida | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Miami-Dade County Florida | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Santa Rosa County Florida | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Sarasota County Florida | 1 | $ 1,015,000 | $ 1,015,000 | $ 625,000 |
| St. Lucie County Florida | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Walton County Florida | 1 | $ 645,000 | $ 645,000 | $ 424,000 |
| Cherokee County Georgia | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Columbia County Georgia | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
| DeKalb County Georgia | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Forsyth County Georgia | 1 | $ 285,000 | $ 285,000 | $ 225,000 |
| Franklin County Georgia | 1 | $ 425,000 | $ 425,000 | $ 368,000 |
| Jackson County Georgia | 1 | $ 585,000 | $ 585,000 | $ 98,000 |
| Lowndes County Georgia | 1 | $ 165,000 | $ 165,000 | $ 157,000 |
| Meriwether County Georgia | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Pickens County Georgia | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Rockdale County Georgia | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Twin Falls County Idaho | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| DuPage County Illinois | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| Grundy County Illinois | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Lake County Illinois | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| McHenry County Illinois | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Winnebago County Illinois | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Clinton County Indiana | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| DeKalb County Indiana | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Delaware County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fountain County Indiana | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Hancock County Indiana | 1 | $ 235,000 | $ 235,000 | $ 255,000 |
| Jay County Indiana | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Knox County Indiana | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| LaGrange County Indiana | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Parke County Indiana | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Sullivan County Indiana | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Tippecanoe County Indiana | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Vanderburgh County Indiana | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Whitley County Indiana | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Dallas County Iowa | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Johnson County Iowa | 1 | $ 485,000 | $ 485,000 | $ 350,000 |
| Douglas County Kansas | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Boyd County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Calloway County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Fayette County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 185,000 |
| Scott County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Spencer County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Trigg County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 123,000 |
| Lincoln County Maine | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Baltimore City County Maryland | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Kent County Maryland | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Barnstable County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Norfolk County Massachusetts | 1 | $ 1,405,000 | $ 1,405,000 | $ 425,000 |
| Cheboygan County Michigan | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Clinton County Michigan | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Emmet County Michigan | 1 | $ 275,000 | $ 275,000 | $ 152,000 |
| Genesee County Michigan | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Gladwin County Michigan | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Hillsdale County Michigan | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Iosco County Michigan | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Isabella County Michigan | 1 | $ 295,000 | $ 295,000 | $ 145,000 |
| Jackson County Michigan | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Lenawee County Michigan | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Otsego County Michigan | 1 | $ 285,000 | $ 285,000 | $ 578,000 |
| Schoolcraft County Michigan | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| St. Clair County Michigan | 1 | $ 45,000 | $ 45,000 | $ 101,000 |
| Dakota County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Hennepin County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 208,000 |
| Ramsey County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 240,000 |
| Madison County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Noxubee County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 10,000 |
| Polk County Missouri | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| St. Louis City County Missouri | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Taney County Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Custer County Montana | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Douglas County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Lander County Nevada | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Mineral County Nevada | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Nye County Nevada | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| White Pine County Nevada | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Bergen County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Burlington County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Colfax County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 628,000 |
| Santa Fe County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 125,000 |
| Nassau County New York | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Richmond County New York | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| Alamance County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Brunswick County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 635,000 |
| Caldwell County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Cleveland County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Johnston County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| New Hanover County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 2,000 |
| Scotland County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Stokes County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Vance County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 1,120,000 |
| Warren County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Watauga County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 1,000 |
| Wilson County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Yadkin County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Sargent County North Dakota | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Allen County Ohio | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Ashtabula County Ohio | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Auglaize County Ohio | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Belmont County Ohio | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Champaign County Ohio | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Darke County Ohio | 1 | $ 55,000 | $ 55,000 | $ 117,000 |
| Erie County Ohio | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Jefferson County Ohio | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Licking County Ohio | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Logan County Ohio | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Lorain County Ohio | 1 | $ 85,000 | $ 85,000 | $ 250,000 |
| Mahoning County Ohio | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Mercer County Ohio | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Miami County Ohio | 1 | $ 235,000 | $ 235,000 | $ 208,000 |
| Montgomery County Ohio | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Trumbull County Ohio | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Wood County Ohio | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Atoka County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Delaware County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Logan County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| McIntosh County Oklahoma | 1 | $ 685,000 | $ 685,000 | $ 218,000 |
| Pottawatomie County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Pushmataha County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Wagoner County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Lackawanna County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 250,000 |
| Philadelphia County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Abbeville County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Anderson County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Beaufort County South Carolina | 1 | $ 795,000 | $ 795,000 | $ 282,000 |
| Berkeley County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Charleston County South Carolina | 1 | $ 1,495,000 | $ 1,495,000 | $ 464,000 |
| Cherokee County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Colleton County South Carolina | 1 | $ 885,000 | $ 885,000 | $ 445,000 |
| Lancaster County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 62,000 |
| Laurens County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 27,000 |
| Pickens County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 309,000 |
| Sumter County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| York County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 202,000 |
| Davidson County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Montgomery County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Obion County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Polk County Tennessee | 1 | $ 615,000 | $ 615,000 | $ 525,000 |
| Shelby County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Unicoi County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Wilson County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 113,000 |
| Bastrop County Texas | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Bexar County Texas | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| Colorado County Texas | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Fort Bend County Texas | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Hays County Texas | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Johnson County Texas | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Tarrant County Texas | 1 | $ 505,000 | $ 505,000 | $ 12,000 |
| Taylor County Texas | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Webb County Texas | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Wasatch County Utah | 1 | $ 775,000 | $ 775,000 | $ 357,000 |
| Caledonia County Vermont | 1 | $ 275,000 | $ 275,000 | $ 430,000 |
| Accomack County Virginia | 1 | $ 235,000 | $ 235,000 | $ 205,000 |
| Arlington County Virginia | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Chesapeake County Virginia | 1 | $ 75,000 | $ 75,000 | $ 230,000 |
| Chesterfield County Virginia | 1 | $ 545,000 | $ 545,000 | $ 195,000 |
| Hampton County Virginia | 1 | $ 455,000 | $ 455,000 | $ 114,000 |
| Isle of Wight County Virginia | 1 | $ 35,000 | $ 35,000 | $ 99,000 |
| Loudoun County Virginia | 1 | $ 355,000 | $ 355,000 | $ 34,000 |
| Clallam County Washington | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Snohomish County Washington | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Spokane County Washington | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Thurston County Washington | 1 | $ 185,000 | $ 185,000 | $ 139,000 |
| Jefferson County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Jefferson County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Marathon County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Waukesha County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Winnebago County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2021
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 | 1,803 | $433,985,000 | $240,000 | $2,305,000 | $109,000 | $2,854,000 |
| Home Improvement | 1,744 | $207,260,000 | $118,000 | $2,625,000 | $112,000 | $1,468,000 |
| Refinancing | 1,647 | $309,475,000 | $187,000 | $1,415,000 | $97,000 | $1,849,000 |
| Cash-out Refinancing | 1,441 | $312,275,000 | $216,000 | $1,845,000 | $96,000 | $821,000 |
| Other Purpose | 1,000 | $122,180,000 | $122,000 | $1,805,000 | $90,000 | $1,120,000 |
| 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 | 5,342 | $1,003,590,000 | $187,000 | $2,625,000 | $102,000 | $2,567,000 |
| Not Provided | 1,032 | $143,950,000 | $139,000 | $1,965,000 | $111,000 | $2,854,000 |
| Hispanic | 668 | $131,750,000 | $197,000 | $2,305,000 | $83,000 | $850,000 |
| Black or African American | 284 | $37,540,000 | $132,000 | $1,405,000 | $84,000 | $1,341,000 |
| Asian | 216 | $54,780,000 | $253,000 | $1,605,000 | $140,000 | $756,000 |
| American Indian or Alaskan Native | 73 | $10,055,000 | $137,000 | $685,000 | $82,000 | $247,000 |
| Not applicable | 11 | $1,885,000 | $171,000 | $905,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,405,000 | $200,000 | $285,000 | $95,000 | $227,000 |
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) | 7,373 | $1,336,395,000 | $181,000 | $2,625,000 | $103,000 | $2,854,000 |
| FHA-insured (Federal Housing Administration) | 218 | $40,040,000 | $183,000 | $505,000 | $61,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,965,000 | $172,000 | $355,000 | $56,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,775,000 | $227,000 | $515,000 | $96,000 | $318,000 |
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 | 5,178 | $962,010,000 | $185,000 | $2,005,000 | $103,000 | $1,468,000 |
| Application Withdrawn By Applicant | 1,363 | $301,795,000 | $221,000 | $2,625,000 | $112,000 | $2,854,000 |
| Application Denied By Financial Institution | 860 | $92,180,000 | $107,000 | $1,805,000 | $82,000 | $1,200,000 |
| Application Approved But Not Accepted | 174 | $17,510,000 | $100,000 | $1,965,000 | $102,000 | $1,152,000 |
| File Closed For Incompleteness | 60 | $11,680,000 | $194,000 | $775,000 | $117,000 | $763,000 |
| 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 | 6,775 | $1,292,995,000 | $190,000 | $2,625,000 | $104,000 | $2,854,000 |
| Credit History | 296 | $24,080,000 | $81,000 | $675,000 | $72,000 | $1,200,000 |
| Debt-To-Income Ratio | 217 | $31,355,000 | $144,000 | $685,000 | $59,000 | $879,000 |
| Credit Application Incomplete | 171 | $12,555,000 | $73,000 | $335,000 | $95,000 | $850,000 |
| Collateral | 133 | $13,085,000 | $98,000 | $925,000 | $108,000 | $650,000 |
| Unverifiable Information | 18 | $3,650,000 | $202,000 | $455,000 | $158,000 | $1,040,000 |
| Other | 14 | $5,230,000 | $373,000 | $1,805,000 | $187,000 | $628,000 |
| Employment History | 7 | $985,000 | $140,000 | $435,000 | $82,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,240,000 | $310,000 | $715,000 | $74,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2021 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.