United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
United Federal Credit Union 2022 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 | 6,611 |
| Total Mortgage Loan Application Amount | $1,164,915,000 |
| Average Mortgage Loan Application Amount | $177,600 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $111,200 |
| Highest Applicant Income | $2,107,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,291 | $ 175,365,000 | $ 135,000 | $ 97,000 |
| Washoe County Nevada | 1,036 | $ 228,950,000 | $ 220,000 | $ 142,000 |
| Buncombe County North Carolina | 313 | $ 93,615,000 | $ 299,000 | $ 162,000 |
| Henderson County North Carolina | 274 | $ 59,560,000 | $ 217,000 | $ 127,000 |
| St. Joseph County Indiana | 259 | $ 29,075,000 | $ 112,000 | $ 89,000 |
| Benton County Arkansas | 230 | $ 56,290,000 | $ 244,000 | $ 132,000 |
| Ottawa County Michigan | 229 | $ 34,225,000 | $ 149,000 | $ 93,000 |
| Marion County Ohio | 193 | $ 14,325,000 | $ 74,000 | $ 72,000 |
| Sebastian County Arkansas | 192 | $ 20,940,000 | $ 109,000 | $ 86,000 |
| Washington County Arkansas | 173 | $ 32,325,000 | $ 186,000 | $ 113,000 |
| Crawford County Arkansas | 172 | $ 19,390,000 | $ 112,000 | $ 85,000 |
| Lyon County Nevada | 158 | $ 25,560,000 | $ 161,000 | $ 93,000 |
| Iredell County North Carolina | 149 | $ 20,155,000 | $ 135,000 | $ 91,000 |
| Carson City County Nevada | 129 | $ 26,685,000 | $ 206,000 | $ 114,000 |
| Cass County Michigan | 124 | $ 15,520,000 | $ 125,000 | $ 84,000 |
| Allegan County Michigan | 118 | $ 16,530,000 | $ 140,000 | $ 86,000 |
| Kent County Michigan | 79 | $ 14,405,000 | $ 182,000 | $ 93,000 |
| Douglas County Nevada | 78 | $ 20,620,000 | $ 264,000 | $ 137,000 |
| Elkhart County Indiana | 69 | $ 10,845,000 | $ 157,000 | $ 101,000 |
| Van Buren County Michigan | 56 | $ 6,260,000 | $ 111,000 | $ 82,000 |
| Le Flore County Oklahoma | 55 | $ 5,515,000 | $ 100,000 | $ 96,000 |
| Lake County Indiana | 54 | $ 4,650,000 | $ 86,000 | $ 91,000 |
| Clark County Nevada | 49 | $ 16,625,000 | $ 339,000 | $ 178,000 |
| Churchill County Nevada | 35 | $ 8,975,000 | $ 256,000 | $ 162,000 |
| LaPorte County Indiana | 32 | $ 6,430,000 | $ 200,000 | $ 144,000 |
| Haywood County North Carolina | 31 | $ 6,035,000 | $ 194,000 | $ 117,000 |
| Transylvania County North Carolina | 30 | $ 7,320,000 | $ 244,000 | $ 118,000 |
| Sequoyah County Oklahoma | 25 | $ 2,685,000 | $ 107,000 | $ 82,000 |
| Polk County North Carolina | 21 | $ 5,815,000 | $ 276,000 | $ 130,000 |
| Morrow County Ohio | 20 | $ 1,330,000 | $ 66,000 | $ 87,000 |
| Madison County North Carolina | 19 | $ 5,165,000 | $ 271,000 | $ 122,000 |
| Franklin County Arkansas | 18 | $ 2,430,000 | $ 135,000 | $ 80,000 |
| Storey County Nevada | 18 | $ 1,810,000 | $ 100,000 | $ 110,000 |
| Rutherford County North Carolina | 18 | $ 5,220,000 | $ 290,000 | $ 127,000 |
| Muskegon County Michigan | 17 | $ 1,435,000 | $ 84,000 | $ 79,000 |
| Elko County Nevada | 17 | $ 3,585,000 | $ 210,000 | $ 89,000 |
| Crawford County Ohio | 17 | $ 1,655,000 | $ 97,000 | $ 80,000 |
| Mecklenburg County North Carolina | 16 | $ 2,740,000 | $ 171,000 | $ 193,000 |
| Kalamazoo County Michigan | 15 | $ 2,645,000 | $ 176,000 | $ 111,000 |
| Greenville County South Carolina | 13 | $ 2,535,000 | $ 195,000 | $ 77,000 |
| Maricopa County Arizona | 12 | $ 3,600,000 | $ 300,000 | $ 202,000 |
| Rowan County North Carolina | 12 | $ 1,290,000 | $ 107,000 | $ 108,000 |
| Logan County Arkansas | 10 | $ 690,000 | $ 69,000 | $ 63,000 |
| Porter County Indiana | 10 | $ 1,810,000 | $ 181,000 | $ 279,000 |
| Cuyahoga County Ohio | 10 | $ 630,000 | $ 63,000 | $ 85,000 |
| Tulsa County Oklahoma | 10 | $ 2,400,000 | $ 240,000 | $ 135,000 |
| Cook County Illinois | 9 | $ 2,885,000 | $ 320,000 | $ 178,000 |
| Wayne County Michigan | 9 | $ 1,585,000 | $ 176,000 | $ 132,000 |
| McDowell County North Carolina | 9 | $ 5,615,000 | $ 623,000 | $ 277,000 |
| Spartanburg County South Carolina | 9 | $ 1,185,000 | $ 131,000 | $ 73,000 |
| Polk County Arkansas | 8 | $ 1,500,000 | $ 187,000 | $ 79,000 |
| Plumas County California | 8 | $ 3,390,000 | $ 423,000 | $ 173,000 |
| Union County Ohio | 8 | $ 610,000 | $ 76,000 | $ 60,000 |
| Madison County Arkansas | 7 | $ 1,075,000 | $ 153,000 | $ 76,000 |
| Hamilton County Indiana | 7 | $ 1,615,000 | $ 230,000 | $ 160,000 |
| Kosciusko County Indiana | 7 | $ 675,000 | $ 96,000 | $ 101,000 |
| Marion County Indiana | 7 | $ 1,415,000 | $ 202,000 | $ 122,000 |
| Marshall County Indiana | 7 | $ 1,145,000 | $ 163,000 | $ 117,000 |
| McDonald County Missouri | 7 | $ 1,455,000 | $ 207,000 | $ 89,000 |
| Delaware County Ohio | 7 | $ 1,005,000 | $ 143,000 | $ 103,000 |
| Pope County Arkansas | 6 | $ 790,000 | $ 131,000 | $ 108,000 |
| Scott County Arkansas | 6 | $ 650,000 | $ 108,000 | $ 57,000 |
| Madera County California | 6 | $ 2,060,000 | $ 343,000 | $ 152,000 |
| Placer County California | 6 | $ 1,210,000 | $ 201,000 | $ 166,000 |
| Miami-Dade County Florida | 6 | $ 1,190,000 | $ 198,000 | $ 205,000 |
| Montcalm County Michigan | 6 | $ 1,300,000 | $ 216,000 | $ 106,000 |
| Newaygo County Michigan | 6 | $ 430,000 | $ 71,000 | $ 47,000 |
| Catawba County North Carolina | 6 | $ 2,650,000 | $ 441,000 | $ 219,000 |
| El Dorado County California | 5 | $ 495,000 | $ 99,000 | $ 105,000 |
| Los Angeles County California | 5 | $ 1,575,000 | $ 315,000 | $ 220,000 |
| Bay County Florida | 5 | $ 1,665,000 | $ 333,000 | $ 594,000 |
| Will County Illinois | 5 | $ 835,000 | $ 167,000 | $ 160,000 |
| Ionia County Michigan | 5 | $ 915,000 | $ 183,000 | $ 96,000 |
| Lake County Michigan | 5 | $ 555,000 | $ 111,000 | $ 80,000 |
| Oakland County Michigan | 5 | $ 1,285,000 | $ 257,000 | $ 133,000 |
| Oceana County Michigan | 5 | $ 565,000 | $ 113,000 | $ 70,000 |
| Humboldt County Nevada | 5 | $ 2,005,000 | $ 401,000 | $ 76,000 |
| Mineral County Nevada | 5 | $ 425,000 | $ 85,000 | $ 47,000 |
| Forsyth County North Carolina | 5 | $ 615,000 | $ 123,000 | $ 124,000 |
| Jackson County North Carolina | 5 | $ 825,000 | $ 165,000 | $ 300,000 |
| Wake County North Carolina | 5 | $ 1,495,000 | $ 299,000 | $ 131,000 |
| Carroll County Arkansas | 4 | $ 1,520,000 | $ 380,000 | $ 133,000 |
| White County Arkansas | 4 | $ 450,000 | $ 112,000 | $ 81,000 |
| Solano County California | 4 | $ 240,000 | $ 60,000 | $ 167,000 |
| Barry County Michigan | 4 | $ 1,140,000 | $ 285,000 | $ 111,000 |
| Rankin County Mississippi | 4 | $ 580,000 | $ 145,000 | $ 127,000 |
| White Pine County Nevada | 4 | $ 310,000 | $ 77,000 | $ 97,000 |
| Alexander County North Carolina | 4 | $ 680,000 | $ 170,000 | $ 128,000 |
| Burke County North Carolina | 4 | $ 770,000 | $ 192,000 | $ 100,000 |
| Yancey County North Carolina | 4 | $ 1,070,000 | $ 267,000 | $ 114,000 |
| Franklin County Ohio | 4 | $ 400,000 | $ 100,000 | $ 62,000 |
| Oklahoma County Oklahoma | 4 | $ 660,000 | $ 165,000 | $ 65,000 |
| Oconee County South Carolina | 4 | $ 1,440,000 | $ 360,000 | $ 197,000 |
| Knox County Tennessee | 4 | $ 560,000 | $ 140,000 | $ 141,000 |
| Yell County Arkansas | 3 | $ 375,000 | $ 125,000 | $ 64,000 |
| Nevada County California | 3 | $ 2,945,000 | $ 981,000 | $ 246,000 |
| Broward County Florida | 3 | $ 355,000 | $ 118,000 | $ 169,000 |
| Palm Beach County Florida | 3 | $ 205,000 | $ 68,000 | $ 218,000 |
| Walton County Florida | 3 | $ 1,555,000 | $ 518,000 | $ 555,000 |
| Cobb County Georgia | 3 | $ 735,000 | $ 245,000 | $ 137,000 |
| Forsyth County Georgia | 3 | $ 1,395,000 | $ 465,000 | $ 192,000 |
| Fulton County Georgia | 3 | $ 515,000 | $ 171,000 | $ 550,000 |
| Antrim County Michigan | 3 | $ 435,000 | $ 145,000 | $ 61,000 |
| Branch County Michigan | 3 | $ 345,000 | $ 115,000 | $ 56,000 |
| Clare County Michigan | 3 | $ 425,000 | $ 141,000 | $ 152,000 |
| Grand Traverse County Michigan | 3 | $ 445,000 | $ 148,000 | $ 160,000 |
| Livingston County Michigan | 3 | $ 185,000 | $ 61,000 | $ 142,000 |
| Osceola County Michigan | 3 | $ 205,000 | $ 68,000 | $ 87,000 |
| Nye County Nevada | 3 | $ 295,000 | $ 98,000 | $ 60,000 |
| Richland County Ohio | 3 | $ 445,000 | $ 148,000 | $ 117,000 |
| Pickens County South Carolina | 3 | $ 1,115,000 | $ 371,000 | $ 160,000 |
| Bexar County Texas | 3 | $ 265,000 | $ 88,000 | $ 125,000 |
| Fairfax County Virginia | 3 | $ 315,000 | $ 105,000 | $ 184,000 |
| King County Washington | 3 | $ 1,165,000 | $ 388,000 | $ 190,000 |
| Upshur County West Virginia | 3 | $ 125,000 | $ 41,000 | $ 98,000 |
| Coconino County Arizona | 2 | $ 1,410,000 | $ 705,000 | $ 411,000 |
| Mohave County Arizona | 2 | $ 60,000 | $ 30,000 | $ 38,000 |
| Yuma County Arizona | 2 | $ 390,000 | $ 195,000 | $ 35,000 |
| Faulkner County Arkansas | 2 | $ 120,000 | $ 60,000 | $ 143,000 |
| Grant County Arkansas | 2 | $ 630,000 | $ 315,000 | $ 153,000 |
| Jefferson County Arkansas | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Montgomery County Arkansas | 2 | $ 220,000 | $ 110,000 | $ 257,000 |
| Saline County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 171,000 |
| Riverside County California | 2 | $ 690,000 | $ 345,000 | $ 197,000 |
| Santa Clara County California | 2 | $ 630,000 | $ 315,000 | $ 200,000 |
| El Paso County Colorado | 2 | $ 780,000 | $ 390,000 | $ 329,000 |
| Charlotte County Florida | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Escambia County Florida | 2 | $ 400,000 | $ 200,000 | $ 135,000 |
| Manatee County Florida | 2 | $ 740,000 | $ 370,000 | $ 128,000 |
| Osceola County Florida | 2 | $ 560,000 | $ 280,000 | $ 161,000 |
| Pinellas County Florida | 2 | $ 600,000 | $ 300,000 | $ 286,000 |
| DuPage County Illinois | 2 | $ 610,000 | $ 305,000 | $ 182,000 |
| Kane County Illinois | 2 | $ 130,000 | $ 65,000 | $ 166,000 |
| McLean County Illinois | 2 | $ 660,000 | $ 330,000 | $ 172,000 |
| Huntington County Indiana | 2 | $ 120,000 | $ 60,000 | $ 36,000 |
| Starke County Indiana | 2 | $ 150,000 | $ 75,000 | $ 35,000 |
| Johnson County Iowa | 2 | $ 510,000 | $ 255,000 | $ 120,000 |
| Jefferson County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 122,000 |
| Frederick County Maryland | 2 | $ 540,000 | $ 270,000 | $ 101,000 |
| Prince George's County Maryland | 2 | $ 300,000 | $ 150,000 | $ 93,000 |
| Middlesex County Massachusetts | 2 | $ 1,250,000 | $ 625,000 | $ 222,000 |
| Calhoun County Michigan | 2 | $ 230,000 | $ 115,000 | $ 37,000 |
| Emmet County Michigan | 2 | $ 220,000 | $ 110,000 | $ 109,000 |
| Jackson County Michigan | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Monroe County Michigan | 2 | $ 160,000 | $ 80,000 | $ 53,000 |
| St. Joseph County Michigan | 2 | $ 240,000 | $ 120,000 | $ 139,000 |
| Washtenaw County Michigan | 2 | $ 300,000 | $ 150,000 | $ 123,000 |
| Christian County Missouri | 2 | $ 50,000 | $ 25,000 | $ 70,000 |
| Lawrence County Missouri | 2 | $ 250,000 | $ 125,000 | $ 103,000 |
| Eureka County Nevada | 2 | $ 570,000 | $ 285,000 | $ 92,000 |
| Pershing County Nevada | 2 | $ 520,000 | $ 260,000 | $ 108,000 |
| Ashe County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 140,000 |
| Cabarrus County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 69,000 |
| Davidson County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| Davie County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 133,000 |
| Durham County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 198,000 |
| Gaston County North Carolina | 2 | $ 760,000 | $ 380,000 | $ 205,000 |
| Guilford County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| Harnett County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Lincoln County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 136,000 |
| Macon County North Carolina | 2 | $ 940,000 | $ 470,000 | $ 130,000 |
| Mitchell County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 150,000 |
| Yadkin County North Carolina | 2 | $ 70,000 | $ 35,000 | $ 50,000 |
| Butler County Ohio | 2 | $ 180,000 | $ 90,000 | $ 105,000 |
| Columbiana County Ohio | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Hancock County Ohio | 2 | $ 500,000 | $ 250,000 | $ 143,000 |
| Hardin County Ohio | 2 | $ 210,000 | $ 105,000 | $ 96,000 |
| Knox County Ohio | 2 | $ 370,000 | $ 185,000 | $ 136,000 |
| Logan County Ohio | 2 | $ 230,000 | $ 115,000 | $ 87,000 |
| Lucas County Ohio | 2 | $ 210,000 | $ 105,000 | $ 79,000 |
| Canadian County Oklahoma | 2 | $ 310,000 | $ 155,000 | $ 104,000 |
| Delaware County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 43,000 |
| Garvin County Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 33,000 |
| Haskell County Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 75,000 |
| Muskogee County Oklahoma | 2 | $ 470,000 | $ 235,000 | $ 145,000 |
| Wagoner County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 114,000 |
| Washington County Oklahoma | 2 | $ 410,000 | $ 205,000 | $ 48,000 |
| Marion County Oregon | 2 | $ 480,000 | $ 240,000 | $ 550,000 |
| Charleston County South Carolina | 2 | $ 730,000 | $ 365,000 | $ 659,000 |
| Richland County South Carolina | 2 | $ 60,000 | $ 30,000 | $ 149,000 |
| Coffee County Tennessee | 2 | $ 710,000 | $ 355,000 | $ 95,000 |
| Jefferson County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 69,000 |
| Dallas County Texas | 2 | $ 100,000 | $ 50,000 | $ 85,000 |
| Denton County Texas | 2 | $ 610,000 | $ 305,000 | $ 207,000 |
| Fort Bend County Texas | 2 | $ 370,000 | $ 185,000 | $ 110,000 |
| Harris County Texas | 2 | $ 200,000 | $ 100,000 | $ 157,000 |
| Wilbarger County Texas | 2 | $ 110,000 | $ 55,000 | $ 30,000 |
| Prince William County Virginia | 2 | $ 460,000 | $ 230,000 | $ 69,000 |
| Ozaukee County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 90,000 |
| Baldwin County Alabama | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Lee County Alabama | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Mobile County Alabama | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Pinal County Arizona | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Boone County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Chicot County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 248,000 |
| Crittenden County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 122,000 |
| Cross County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Izard County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Johnson County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 140,000 |
| Lonoke County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Newton County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Perry County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Phillips County Arkansas | 1 | $ 5,000 | $ 5,000 | $ 100,000 |
| Randolph County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Alameda County California | 1 | $ 405,000 | $ 405,000 | $ 128,000 |
| Amador County California | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Inyo County California | 1 | $ 65,000 | $ 65,000 | $ 142,000 |
| Kern County California | 1 | $ 305,000 | $ 305,000 | $ 695,000 |
| Lassen County California | 1 | $ 105,000 | $ 105,000 | $ 300,000 |
| Mono County California | 1 | $ 205,000 | $ 205,000 | $ 206,000 |
| Orange County California | 1 | $ 705,000 | $ 705,000 | $ 214,000 |
| San Francisco County California | 1 | $ 25,000 | $ 25,000 | $ 176,000 |
| Tuolumne County California | 1 | $ 155,000 | $ 155,000 | $ 542,000 |
| Yuba County California | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Arapahoe County Colorado | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Chaffee County Colorado | 1 | $ 605,000 | $ 605,000 | $ 316,000 |
| Denver County Colorado | 1 | $ 115,000 | $ 115,000 | $ 177,000 |
| Douglas County Colorado | 1 | $ 15,000 | $ 15,000 | $ 190,000 |
| Fremont County Colorado | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Garfield County Colorado | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Larimer County Colorado | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Montrose County Colorado | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Weld County Colorado | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Litchfield County Connecticut | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| Brevard County Florida | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Citrus County Florida | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| Collier County Florida | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Duval County Florida | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Hernando County Florida | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Hillsborough County Florida | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Indian River County Florida | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Lee County Florida | 1 | $ 65,000 | $ 65,000 | $ 164,000 |
| Leon County Florida | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Okaloosa County Florida | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Orange County Florida | 1 | $ 175,000 | $ 175,000 | $ 112,000 |
| Pasco County Florida | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Polk County Florida | 1 | $ 285,000 | $ 285,000 | $ 145,000 |
| Santa Rosa County Florida | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 198,000 |
| St. Lucie County Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Volusia County Florida | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Chatham County Georgia | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Cherokee County Georgia | 1 | $ 65,000 | $ 65,000 | $ 290,000 |
| Colquitt County Georgia | 1 | $ 545,000 | $ 545,000 | $ 132,000 |
| Coweta County Georgia | 1 | $ 485,000 | $ 485,000 | $ 1,128,000 |
| Crisp County Georgia | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Gwinnett County Georgia | 1 | $ 415,000 | $ 415,000 | $ 110,000 |
| Liberty County Georgia | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Pickens County Georgia | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Ada County Idaho | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Twin Falls County Idaho | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Lake County Illinois | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Macon County Illinois | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Winnebago County Illinois | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Brown County Indiana | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Delaware County Indiana | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| Fayette County Indiana | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Fulton County Indiana | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Hancock County Indiana | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Madison County Indiana | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Orange County Indiana | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Tippecanoe County Indiana | 1 | $ 175,000 | $ 175,000 | $ 196,000 |
| Washington County Indiana | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Lyon County Kansas | 1 | $ 5,000 | $ 5,000 | $ 76,000 |
| Carroll County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Kenton County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Mercer County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Warren County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 243,000 |
| Caddo County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Lafayette County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 375,000 |
| Lafourche County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| St. Tammany County Louisiana | 1 | $ 275,000 | $ 275,000 | $ 378,000 |
| Penobscot County Maine | 1 | $ 95,000 | $ 95,000 | $ 136,000 |
| Barnstable County Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Bristol County Massachusetts | 1 | $ 525,000 | $ 525,000 | $ 110,000 |
| Worcester County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 228,000 |
| Cheboygan County Michigan | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Chippewa County Michigan | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Delta County Michigan | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Hillsdale County Michigan | 1 | $ 105,000 | $ 105,000 | $ 206,000 |
| Ingham County Michigan | 1 | $ 235,000 | $ 235,000 | $ 107,000 |
| Leelanau County Michigan | 1 | $ 55,000 | $ 55,000 | $ 239,000 |
| Macomb County Michigan | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Manistee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Marquette County Michigan | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| Mecosta County Michigan | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Hennepin County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Otter Tail County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 171,000 |
| Ramsey County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Rice County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Wright County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Panola County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Barry County Missouri | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Benton County Missouri | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Buchanan County Missouri | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Jasper County Missouri | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Jefferson County Missouri | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| St. Charles County Missouri | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Stone County Missouri | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Keith County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Lander County Nevada | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Middlesex County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Ocean County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Kings County New York | 1 | $ 325,000 | $ 325,000 | $ 250,000 |
| Monroe County New York | 1 | $ 45,000 | $ 45,000 | $ 149,000 |
| Nassau County New York | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Suffolk County New York | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Alleghany County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Brunswick County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Carteret County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Chatham County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Cleveland County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Columbus County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Cumberland County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 167,000 |
| Graham County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 152,000 |
| Person County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Pitt County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Rockingham County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Scotland County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Swain County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Watauga County North Carolina | 1 | $ 1,225,000 | $ 1,225,000 | $ 531,000 |
| Wayne County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| Allen County Ohio | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Ashland County Ohio | 1 | $ 365,000 | $ 365,000 | $ 118,000 |
| Ashtabula County Ohio | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Darke County Ohio | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Defiance County Ohio | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Lorain County Ohio | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Medina County Ohio | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Miami County Ohio | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Stark County Ohio | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Wyandot County Ohio | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Comanche County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Kay County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 99,000 |
| Latimer County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| McClain County Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Seminole County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Tillman County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Deschutes County Oregon | 1 | $ 855,000 | $ 855,000 | $ 420,000 |
| Lancaster County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Monroe County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Beaufort County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Horry County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Newberry County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| York County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 172,000 |
| Carroll County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Davidson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Dickson County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Montgomery County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Robertson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Rutherford County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Sevier County Tennessee | 1 | $ 1,215,000 | $ 1,215,000 | $ 418,000 |
| Shelby County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Sumner County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Union County Tennessee | 1 | $ 595,000 | $ 595,000 | $ 622,000 |
| Bell County Texas | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Collin County Texas | 1 | $ 205,000 | $ 205,000 | $ 296,000 |
| Comal County Texas | 1 | $ 595,000 | $ 595,000 | $ 238,000 |
| Galveston County Texas | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Llano County Texas | 1 | $ 75,000 | $ 75,000 | $ 260,000 |
| Montgomery County Texas | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Rockwall County Texas | 1 | $ 355,000 | $ 355,000 | $ 285,000 |
| Tarrant County Texas | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Waller County Texas | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Williamson County Texas | 1 | $ 55,000 | $ 55,000 | $ 179,000 |
| Iron County Utah | 1 | $ 275,000 | $ 275,000 | $ 421,000 |
| Chesterfield County Virginia | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Henrico County Virginia | 1 | $ 305,000 | $ 305,000 | $ 525,000 |
| Newport News County Virginia | 1 | $ 45,000 | $ 45,000 | $ 145,000 |
| Norfolk County Virginia | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Pittsylvania County Virginia | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Roanoke City County Virginia | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Clallam County Washington | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Pierce County Washington | 1 | $ 185,000 | $ 185,000 | $ 183,000 |
| Snohomish County Washington | 1 | $ 1,165,000 | $ 1,165,000 | $ 211,000 |
| Spokane County Washington | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| La Crosse County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Milwaukee County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Pierce County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Waukesha County Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 203,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2022
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 Improvement | 2,326 | $274,650,000 | $118,000 | $3,805,000 | $118,000 | $1,349,000 |
| Home Purchase | 1,804 | $504,040,000 | $279,000 | $2,315,000 | $125,000 | $2,107,000 |
| Other Purpose | 1,191 | $125,075,000 | $105,000 | $2,005,000 | $104,000 | $1,870,000 |
| Cash-out Refinancing | 790 | $184,160,000 | $233,000 | $1,805,000 | $108,000 | $1,600,000 |
| Refinancing | 500 | $76,990,000 | $153,000 | $1,905,000 | $101,000 | $1,344,000 |
| 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 | 4,452 | $815,480,000 | $183,000 | $3,805,000 | $116,000 | $1,600,000 |
| Not Provided | 1,069 | $138,375,000 | $129,000 | $1,805,000 | $122,000 | $2,107,000 |
| Hispanic | 627 | $124,865,000 | $199,000 | $1,445,000 | $95,000 | $609,000 |
| Black or African American | 200 | $24,860,000 | $124,000 | $945,000 | $85,000 | $355,000 |
| Asian | 195 | $46,835,000 | $240,000 | $1,315,000 | $135,000 | $1,217,000 |
| American Indian or Alaskan Native | 49 | $10,825,000 | $220,000 | $1,485,000 | $130,000 | $820,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,345,000 | $149,000 | $475,000 | $96,000 | $150,000 |
| Not applicable | 9 | $2,125,000 | $236,000 | $475,000 | $0 | $0 |
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) | 6,453 | $1,131,865,000 | $175,000 | $3,805,000 | $116,000 | $2,107,000 |
| FHA-insured (Federal Housing Administration) | 126 | $26,630,000 | $211,000 | $465,000 | $76,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,495,000 | $146,000 | $305,000 | $64,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,925,000 | $261,000 | $575,000 | $96,000 | $289,000 |
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 | 4,069 | $785,535,000 | $193,000 | $3,805,000 | $117,000 | $1,566,000 |
| Application Denied By Financial Institution | 1,287 | $129,235,000 | $100,000 | $1,005,000 | $101,000 | $1,600,000 |
| Application Withdrawn By Applicant | 967 | $225,985,000 | $233,000 | $2,305,000 | $126,000 | $2,107,000 |
| Application Approved But Not Accepted | 260 | $20,610,000 | $79,000 | $1,755,000 | $104,000 | $434,000 |
| File Closed For Incompleteness | 28 | $3,550,000 | $126,000 | $295,000 | $80,000 | $158,000 |
| 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 | 5,324 | $1,035,680,000 | $194,000 | $3,805,000 | $118,000 | $2,107,000 |
| Credit Application Incomplete | 400 | $33,230,000 | $83,000 | $1,005,000 | $123,000 | $1,600,000 |
| Debt-To-Income Ratio | 356 | $42,920,000 | $120,000 | $1,005,000 | $69,000 | $559,000 |
| Credit History | 307 | $24,075,000 | $78,000 | $995,000 | $86,000 | $976,000 |
| Collateral | 122 | $15,380,000 | $126,000 | $725,000 | $140,000 | $696,000 |
| Other | 69 | $8,855,000 | $128,000 | $1,005,000 | $142,000 | $542,000 |
| Unverifiable Information | 18 | $2,490,000 | $138,000 | $425,000 | $126,000 | $300,000 |
| Employment History | 11 | $1,205,000 | $109,000 | $375,000 | $57,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,080,000 | $270,000 | $475,000 | $57,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2022 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.