United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
United Federal Credit Union 2023 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 | 4,873 |
| Total Mortgage Loan Application Amount | $748,485,000 |
| Average Mortgage Loan Application Amount | $166,800 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $112,400 |
| Highest Applicant Income | $2,611,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 1,001 | $ 118,645,000 | $ 118,000 | $ 98,000 |
| Washoe County Nevada | 615 | $ 95,805,000 | $ 155,000 | $ 128,000 |
| Benton County Arkansas | 270 | $ 59,040,000 | $ 218,000 | $ 138,000 |
| St. Joseph County Indiana | 227 | $ 26,755,000 | $ 117,000 | $ 93,000 |
| Buncombe County North Carolina | 226 | $ 57,680,000 | $ 255,000 | $ 148,000 |
| Henderson County North Carolina | 196 | $ 38,160,000 | $ 194,000 | $ 108,000 |
| Marion County Ohio | 172 | $ 12,360,000 | $ 71,000 | $ 76,000 |
| Sebastian County Arkansas | 170 | $ 14,860,000 | $ 87,000 | $ 88,000 |
| Ottawa County Michigan | 154 | $ 21,760,000 | $ 141,000 | $ 95,000 |
| Washington County Arkansas | 126 | $ 20,670,000 | $ 164,000 | $ 107,000 |
| Iredell County North Carolina | 126 | $ 15,160,000 | $ 120,000 | $ 89,000 |
| Crawford County Arkansas | 121 | $ 10,475,000 | $ 86,000 | $ 82,000 |
| Cass County Michigan | 94 | $ 11,570,000 | $ 123,000 | $ 96,000 |
| Lyon County Nevada | 83 | $ 13,045,000 | $ 157,000 | $ 103,000 |
| Allegan County Michigan | 76 | $ 10,660,000 | $ 140,000 | $ 104,000 |
| Carson City County Nevada | 74 | $ 14,550,000 | $ 196,000 | $ 139,000 |
| Kent County Michigan | 65 | $ 14,285,000 | $ 219,000 | $ 123,000 |
| Elkhart County Indiana | 44 | $ 6,480,000 | $ 147,000 | $ 96,000 |
| Douglas County Nevada | 43 | $ 8,485,000 | $ 197,000 | $ 127,000 |
| Le Flore County Oklahoma | 43 | $ 3,545,000 | $ 82,000 | $ 74,000 |
| Clark County Nevada | 39 | $ 17,425,000 | $ 446,000 | $ 201,000 |
| Van Buren County Michigan | 29 | $ 4,285,000 | $ 147,000 | $ 118,000 |
| Kalamazoo County Michigan | 25 | $ 3,105,000 | $ 124,000 | $ 95,000 |
| Transylvania County North Carolina | 24 | $ 4,930,000 | $ 205,000 | $ 119,000 |
| Haywood County North Carolina | 23 | $ 4,405,000 | $ 191,000 | $ 135,000 |
| Lake County Indiana | 22 | $ 2,040,000 | $ 92,000 | $ 78,000 |
| Churchill County Nevada | 21 | $ 3,805,000 | $ 181,000 | $ 92,000 |
| Elko County Nevada | 21 | $ 5,165,000 | $ 245,000 | $ 110,000 |
| LaPorte County Indiana | 19 | $ 4,155,000 | $ 218,000 | $ 126,000 |
| Sequoyah County Oklahoma | 19 | $ 2,005,000 | $ 105,000 | $ 105,000 |
| Rutherford County North Carolina | 18 | $ 3,430,000 | $ 190,000 | $ 102,000 |
| Polk County North Carolina | 15 | $ 2,455,000 | $ 163,000 | $ 85,000 |
| Morrow County Ohio | 15 | $ 1,195,000 | $ 79,000 | $ 77,000 |
| Mecklenburg County North Carolina | 13 | $ 2,525,000 | $ 194,000 | $ 147,000 |
| Franklin County Arkansas | 12 | $ 1,500,000 | $ 125,000 | $ 80,000 |
| Muskegon County Michigan | 12 | $ 1,790,000 | $ 149,000 | $ 200,000 |
| Storey County Nevada | 11 | $ 1,495,000 | $ 135,000 | $ 102,000 |
| Madison County North Carolina | 11 | $ 4,355,000 | $ 395,000 | $ 198,000 |
| Catawba County North Carolina | 10 | $ 930,000 | $ 93,000 | $ 72,000 |
| Alexander County North Carolina | 9 | $ 1,145,000 | $ 127,000 | $ 63,000 |
| McDowell County North Carolina | 9 | $ 1,725,000 | $ 191,000 | $ 103,000 |
| Maricopa County Arizona | 8 | $ 1,820,000 | $ 227,000 | $ 185,000 |
| Carroll County Arkansas | 8 | $ 1,750,000 | $ 218,000 | $ 85,000 |
| Scott County Arkansas | 8 | $ 450,000 | $ 56,000 | $ 55,000 |
| Madison County Arkansas | 7 | $ 915,000 | $ 130,000 | $ 62,000 |
| Plumas County California | 7 | $ 855,000 | $ 122,000 | $ 154,000 |
| Cook County Illinois | 7 | $ 1,735,000 | $ 247,000 | $ 155,000 |
| Marshall County Indiana | 7 | $ 805,000 | $ 115,000 | $ 123,000 |
| Porter County Indiana | 7 | $ 875,000 | $ 125,000 | $ 112,000 |
| St. Joseph County Michigan | 7 | $ 815,000 | $ 116,000 | $ 102,000 |
| Humboldt County Nevada | 7 | $ 1,215,000 | $ 173,000 | $ 221,000 |
| Lee County Florida | 6 | $ 1,230,000 | $ 205,000 | $ 218,000 |
| Crawford County Ohio | 6 | $ 460,000 | $ 76,000 | $ 88,000 |
| Spartanburg County South Carolina | 6 | $ 1,270,000 | $ 211,000 | $ 115,000 |
| Bay County Florida | 5 | $ 2,315,000 | $ 463,000 | $ 203,000 |
| Calhoun County Michigan | 5 | $ 665,000 | $ 133,000 | $ 54,000 |
| Macomb County Michigan | 5 | $ 325,000 | $ 65,000 | $ 90,000 |
| Montcalm County Michigan | 5 | $ 575,000 | $ 115,000 | $ 81,000 |
| Lincoln County North Carolina | 5 | $ 955,000 | $ 191,000 | $ 133,000 |
| Rowan County North Carolina | 5 | $ 305,000 | $ 61,000 | $ 66,000 |
| Delaware County Ohio | 5 | $ 285,000 | $ 57,000 | $ 95,000 |
| Union County Ohio | 5 | $ 175,000 | $ 35,000 | $ 81,000 |
| Greenville County South Carolina | 5 | $ 495,000 | $ 99,000 | $ 140,000 |
| El Dorado County California | 4 | $ 1,020,000 | $ 255,000 | $ 157,000 |
| Los Angeles County California | 4 | $ 1,260,000 | $ 315,000 | $ 123,000 |
| Cobb County Georgia | 4 | $ 430,000 | $ 107,000 | $ 264,000 |
| Marion County Indiana | 4 | $ 410,000 | $ 102,000 | $ 87,000 |
| Newton County Missouri | 4 | $ 510,000 | $ 127,000 | $ 50,000 |
| Burke County North Carolina | 4 | $ 940,000 | $ 235,000 | $ 196,000 |
| Davie County North Carolina | 4 | $ 640,000 | $ 160,000 | $ 143,000 |
| Jackson County North Carolina | 4 | $ 860,000 | $ 215,000 | $ 137,000 |
| Wyandot County Ohio | 4 | $ 200,000 | $ 50,000 | $ 68,000 |
| Tulsa County Oklahoma | 4 | $ 880,000 | $ 220,000 | $ 119,000 |
| Logan County Arkansas | 3 | $ 185,000 | $ 61,000 | $ 169,000 |
| Pulaski County Arkansas | 3 | $ 235,000 | $ 78,000 | $ 243,000 |
| Yell County Arkansas | 3 | $ 95,000 | $ 31,000 | $ 161,000 |
| Lassen County California | 3 | $ 185,000 | $ 61,000 | $ 42,000 |
| Riverside County California | 3 | $ 1,915,000 | $ 638,000 | $ 280,000 |
| Broward County Florida | 3 | $ 415,000 | $ 138,000 | $ 373,000 |
| Collier County Florida | 3 | $ 2,805,000 | $ 935,000 | $ 801,000 |
| Escambia County Florida | 3 | $ 685,000 | $ 228,000 | $ 134,000 |
| Manatee County Florida | 3 | $ 1,055,000 | $ 351,000 | $ 317,000 |
| Miami-Dade County Florida | 3 | $ 1,535,000 | $ 511,000 | $ 376,000 |
| Palm Beach County Florida | 3 | $ 275,000 | $ 91,000 | $ 184,000 |
| Sarasota County Florida | 3 | $ 2,125,000 | $ 708,000 | $ 278,000 |
| St. Johns County Florida | 3 | $ 145,000 | $ 48,000 | $ 100,000 |
| Mason County Michigan | 3 | $ 255,000 | $ 85,000 | $ 69,000 |
| Oakland County Michigan | 3 | $ 815,000 | $ 271,000 | $ 178,000 |
| Washtenaw County Michigan | 3 | $ 575,000 | $ 191,000 | $ 102,000 |
| Wayne County Michigan | 3 | $ 355,000 | $ 118,000 | $ 197,000 |
| Rankin County Mississippi | 3 | $ 545,000 | $ 181,000 | $ 112,000 |
| McDonald County Missouri | 3 | $ 405,000 | $ 135,000 | $ 111,000 |
| Nye County Nevada | 3 | $ 1,075,000 | $ 358,000 | $ 78,000 |
| White Pine County Nevada | 3 | $ 735,000 | $ 245,000 | $ 162,000 |
| Union County New Jersey | 3 | $ 515,000 | $ 171,000 | $ 186,000 |
| Brunswick County North Carolina | 3 | $ 1,885,000 | $ 628,000 | $ 533,000 |
| Cabarrus County North Carolina | 3 | $ 255,000 | $ 85,000 | $ 82,000 |
| Forsyth County North Carolina | 3 | $ 655,000 | $ 218,000 | $ 114,000 |
| Guilford County North Carolina | 3 | $ 425,000 | $ 141,000 | $ 84,000 |
| Mitchell County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 131,000 |
| Yancey County North Carolina | 3 | $ 725,000 | $ 241,000 | $ 188,000 |
| Hardin County Ohio | 3 | $ 235,000 | $ 78,000 | $ 69,000 |
| Cherokee County Oklahoma | 3 | $ 495,000 | $ 165,000 | $ 99,000 |
| Muskogee County Oklahoma | 3 | $ 515,000 | $ 171,000 | $ 113,000 |
| Richland County South Carolina | 3 | $ 755,000 | $ 251,000 | $ 210,000 |
| York County South Carolina | 3 | $ 215,000 | $ 71,000 | $ 100,000 |
| Harris County Texas | 3 | $ 285,000 | $ 95,000 | $ 99,000 |
| Apache County Arizona | 2 | $ 50,000 | $ 25,000 | $ 14,000 |
| Faulkner County Arkansas | 2 | $ 290,000 | $ 145,000 | $ 53,000 |
| Jefferson County Arkansas | 2 | $ 90,000 | $ 45,000 | $ 82,000 |
| Johnson County Arkansas | 2 | $ 90,000 | $ 45,000 | $ 85,000 |
| Polk County Arkansas | 2 | $ 60,000 | $ 30,000 | $ 70,000 |
| San Bernardino County California | 2 | $ 270,000 | $ 135,000 | $ 306,000 |
| Douglas County Colorado | 2 | $ 110,000 | $ 55,000 | $ 150,000 |
| Charlotte County Florida | 2 | $ 520,000 | $ 260,000 | $ 209,000 |
| Lake County Florida | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Osceola County Florida | 2 | $ 170,000 | $ 85,000 | $ 123,000 |
| Pasco County Florida | 2 | $ 370,000 | $ 185,000 | $ 147,000 |
| Pinellas County Florida | 2 | $ 240,000 | $ 120,000 | $ 109,000 |
| Polk County Florida | 2 | $ 90,000 | $ 45,000 | $ 93,000 |
| Sumter County Florida | 2 | $ 570,000 | $ 285,000 | $ 112,000 |
| Volusia County Florida | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Chatham County Georgia | 2 | $ 310,000 | $ 155,000 | $ 154,000 |
| Paulding County Georgia | 2 | $ 650,000 | $ 325,000 | $ 213,000 |
| DuPage County Illinois | 2 | $ 40,000 | $ 20,000 | $ 95,000 |
| Will County Illinois | 2 | $ 720,000 | $ 360,000 | $ 180,000 |
| Allen County Indiana | 2 | $ 580,000 | $ 290,000 | $ 92,000 |
| Tippecanoe County Indiana | 2 | $ 230,000 | $ 115,000 | $ 141,000 |
| Vigo County Indiana | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Montgomery County Maryland | 2 | $ 200,000 | $ 100,000 | $ 290,000 |
| Clinton County Michigan | 2 | $ 400,000 | $ 200,000 | $ 94,000 |
| Ionia County Michigan | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Newaygo County Michigan | 2 | $ 540,000 | $ 270,000 | $ 98,000 |
| Oceana County Michigan | 2 | $ 230,000 | $ 115,000 | $ 57,000 |
| Boone County Missouri | 2 | $ 70,000 | $ 35,000 | $ 92,000 |
| Greene County Missouri | 2 | $ 130,000 | $ 65,000 | $ 88,000 |
| Burlington County New Jersey | 2 | $ 90,000 | $ 45,000 | $ 138,000 |
| Alamance County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 46,000 |
| Caldwell County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Randolph County North Carolina | 2 | $ 660,000 | $ 330,000 | $ 102,000 |
| Union County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 226,000 |
| Wake County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 179,000 |
| Yadkin County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 177,000 |
| Sargent County North Dakota | 2 | $ 120,000 | $ 60,000 | $ 88,000 |
| Cuyahoga County Ohio | 2 | $ 230,000 | $ 115,000 | $ 137,000 |
| Franklin County Ohio | 2 | $ 440,000 | $ 220,000 | $ 118,000 |
| Miami County Ohio | 2 | $ 530,000 | $ 265,000 | $ 130,000 |
| Ottawa County Ohio | 2 | $ 320,000 | $ 160,000 | $ 95,000 |
| Portage County Ohio | 2 | $ 100,000 | $ 50,000 | $ 109,000 |
| Richland County Ohio | 2 | $ 110,000 | $ 55,000 | $ 41,000 |
| Summit County Ohio | 2 | $ 60,000 | $ 30,000 | $ 117,000 |
| Washington County Ohio | 2 | $ 40,000 | $ 20,000 | $ 62,000 |
| Delaware County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Haskell County Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Wagoner County Oklahoma | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Washington County Oregon | 2 | $ 180,000 | $ 90,000 | $ 93,000 |
| Delaware County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 125,000 |
| Lawrence County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 113,000 |
| Oconee County South Carolina | 2 | $ 200,000 | $ 100,000 | $ 93,000 |
| Williamson County Texas | 2 | $ 480,000 | $ 240,000 | $ 121,000 |
| Loudoun County Virginia | 2 | $ 310,000 | $ 155,000 | $ 156,000 |
| Houston County Alabama | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Lee County Alabama | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Anchorage County Alaska | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Coconino County Arizona | 1 | $ 725,000 | $ 725,000 | $ 339,000 |
| Pima County Arizona | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Chicot County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 224,000 |
| Conway County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 136,000 |
| Garland County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Montgomery County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Saline County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Sevier County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| White County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Alameda County California | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
| Amador County California | 1 | $ 85,000 | $ 85,000 | $ 155,000 |
| Butte County California | 1 | $ 485,000 | $ 485,000 | $ 513,000 |
| Monterey County California | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Nevada County California | 1 | $ 105,000 | $ 105,000 | $ 340,000 |
| Sacramento County California | 1 | $ 135,000 | $ 135,000 | $ 263,000 |
| San Joaquin County California | 1 | $ 55,000 | $ 55,000 | $ 495,000 |
| Shasta County California | 1 | $ 375,000 | $ 375,000 | $ 124,000 |
| Stanislaus County California | 1 | $ 35,000 | $ 35,000 | $ 232,000 |
| Tulare County California | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Yuba County California | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Adams County Colorado | 1 | $ 75,000 | $ 75,000 | $ 196,000 |
| Arapahoe County Colorado | 1 | $ 675,000 | $ 675,000 | $ 263,000 |
| Chaffee County Colorado | 1 | $ 305,000 | $ 305,000 | $ 316,000 |
| Denver County Colorado | 1 | $ 155,000 | $ 155,000 | $ 1,500,000 |
| Grand County Colorado | 1 | $ 395,000 | $ 395,000 | $ 162,000 |
| La Plata County Colorado | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Mesa County Colorado | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
| Fairfield County Connecticut | 1 | $ 555,000 | $ 555,000 | $ 460,000 |
| Middlesex County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| New Castle County Delaware | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Sussex County Delaware | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Flagler County Florida | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Highlands County Florida | 1 | $ 205,000 | $ 205,000 | $ 17,000 |
| Hillsborough County Florida | 1 | $ 255,000 | $ 255,000 | $ 145,000 |
| Nassau County Florida | 1 | $ 725,000 | $ 725,000 | $ 363,000 |
| Cherokee County Georgia | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Clayton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 151,000 |
| Columbia County Georgia | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Forsyth County Georgia | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Henry County Georgia | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Honolulu County Hawaii | 1 | $ 185,000 | $ 185,000 | $ 350,000 |
| Maui County Hawaii | 1 | $ 305,000 | $ 305,000 | $ 1,034,000 |
| Canyon County Idaho | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Washington County Idaho | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| McHenry County Illinois | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Saline County Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Tazewell County Illinois | 1 | $ 25,000 | $ 25,000 | $ 123,000 |
| Crawford County Indiana | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Delaware County Indiana | 1 | $ 425,000 | $ 425,000 | $ 266,000 |
| Fayette County Indiana | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Grant County Indiana | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Hamilton County Indiana | 1 | $ 515,000 | $ 515,000 | $ 136,000 |
| LaGrange County Indiana | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Monroe County Indiana | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Starke County Indiana | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Vanderburgh County Indiana | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| White County Indiana | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Marion County Iowa | 1 | $ 365,000 | $ 365,000 | $ 171,000 |
| Polk County Iowa | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Scott County Iowa | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Allen County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| East Baton Rouge County Louisiana | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| La Salle County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 239,000 |
| Howard County Maryland | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Berkshire County Massachusetts | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Middlesex County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Barry County Michigan | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Branch County Michigan | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Dickinson County Michigan | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Genesee County Michigan | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Ingham County Michigan | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Jackson County Michigan | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Kalkaska County Michigan | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Lake County Michigan | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Lenawee County Michigan | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Livingston County Michigan | 1 | $ 45,000 | $ 45,000 | $ 162,000 |
| Mecosta County Michigan | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Midland County Michigan | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Missaukee County Michigan | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Ogemaw County Michigan | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Presque Isle County Michigan | 1 | $ 145,000 | $ 145,000 | $ 115,000 |
| Washington County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Lee County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Marshall County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Union County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Christian County Missouri | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Dunklin County Missouri | 1 | $ 85,000 | $ 85,000 | $ 160,000 |
| Johnson County Missouri | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| New Madrid County Missouri | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Saline County Missouri | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| St. Charles County Missouri | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Webster County Missouri | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Lake County Montana | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Lander County Nevada | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Lincoln County Nevada | 1 | $ 285,000 | $ 285,000 | $ 56,000 |
| Pershing County Nevada | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Bergen County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 238,000 |
| Essex County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 235,000 |
| Ocean County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 228,000 |
| Sussex County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Colfax County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| San Juan County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 388,000 |
| Bronx County New York | 1 | $ 145,000 | $ 145,000 | $ 265,000 |
| Chautauqua County New York | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Richmond County New York | 1 | $ 85,000 | $ 85,000 | $ 170,000 |
| Carteret County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Clay County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Columbus County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Craven County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Davidson County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Graham County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 269,000 |
| Harnett County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 2,611,000 |
| Macon County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Orange County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Scotland County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 112,000 |
| Wilkes County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| Champaign County Ohio | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Fulton County Ohio | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Hancock County Ohio | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Medina County Ohio | 1 | $ 15,000 | $ 15,000 | $ 166,000 |
| Montgomery County Ohio | 1 | $ 355,000 | $ 355,000 | $ 170,000 |
| Wayne County Ohio | 1 | $ 155,000 | $ 155,000 | $ 242,000 |
| Williams County Ohio | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Wood County Ohio | 1 | $ 25,000 | $ 25,000 | $ 175,000 |
| Adair County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Atoka County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Latimer County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 14,000 |
| Okmulgee County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Deschutes County Oregon | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Marion County Oregon | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Bucks County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Chester County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Montgomery County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Philadelphia County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 146,000 |
| Anderson County South Carolina | 1 | $ 1,045,000 | $ 1,045,000 | $ 409,000 |
| Berkeley County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 540,000 |
| Charleston County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 147,000 |
| Fairfield County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Lancaster County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Pickens County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 375,000 |
| Cumberland County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Hamblen County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Knox County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Lincoln County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 223,000 |
| McMinn County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Robertson County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Rutherford County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 116,000 |
| Sevier County Tennessee | 1 | $ 635,000 | $ 635,000 | $ 57,000 |
| Shelby County Tennessee | 1 | $ 1,535,000 | $ 1,535,000 | $ 1,000 |
| Wilson County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 289,000 |
| Collin County Texas | 1 | $ 35,000 | $ 35,000 | $ 122,000 |
| Dallas County Texas | 1 | $ 65,000 | $ 65,000 | $ 295,000 |
| Denton County Texas | 1 | $ 65,000 | $ 65,000 | $ 190,000 |
| Tarrant County Texas | 1 | $ 15,000 | $ 15,000 | $ 121,000 |
| Chittenden County Vermont | 1 | $ 205,000 | $ 205,000 | $ 272,000 |
| Bristol County Virginia | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Chesapeake County Virginia | 1 | $ 35,000 | $ 35,000 | $ 225,000 |
| Fairfax County Virginia | 1 | $ 65,000 | $ 65,000 | $ 350,000 |
| Norfolk County Virginia | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Richmond City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Pierce County Washington | 1 | $ 335,000 | $ 335,000 | $ 177,000 |
| Snohomish County Washington | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Stevens County Washington | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Dane County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2023
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 | 1,661 | $165,875,000 | $99,000 | $2,855,000 | $113,000 | $1,650,000 |
| Home Purchase | 1,461 | $386,985,000 | $264,000 | $1,805,000 | $126,000 | $2,611,000 |
| Other Purpose | 1,187 | $88,475,000 | $74,000 | $825,000 | $100,000 | $1,138,000 |
| Refinancing | 311 | $34,575,000 | $111,000 | $1,145,000 | $93,000 | $472,000 |
| Cash-out Refinancing | 253 | $72,575,000 | $286,000 | $1,995,000 | $130,000 | $1,841,000 |
| 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 | 3,290 | $530,620,000 | $161,000 | $2,855,000 | $114,000 | $1,841,000 |
| Not Provided | 728 | $85,320,000 | $117,000 | $1,555,000 | $119,000 | $1,137,000 |
| Hispanic | 445 | $66,965,000 | $150,000 | $1,125,000 | $95,000 | $665,000 |
| Black or African American | 191 | $25,695,000 | $134,000 | $1,535,000 | $113,000 | $2,611,000 |
| Asian | 150 | $29,510,000 | $196,000 | $1,485,000 | $136,000 | $634,000 |
| American Indian or Alaskan Native | 50 | $8,040,000 | $160,000 | $1,135,000 | $97,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $610,000 | $76,000 | $165,000 | $129,000 | $243,000 |
| Not applicable | 1 | $455,000 | $455,000 | $455,000 | $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) | 4,708 | $709,030,000 | $150,000 | $2,855,000 | $114,000 | $1,841,000 |
| FHA-insured (Federal Housing Administration) | 132 | $31,990,000 | $242,000 | $505,000 | $103,000 | $2,611,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,695,000 | $158,000 | $255,000 | $64,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,770,000 | $298,000 | $705,000 | $113,000 | $387,000 |
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 | 2,820 | $463,460,000 | $164,000 | $1,555,000 | $120,000 | $2,611,000 |
| Application Denied By Financial Institution | 1,261 | $109,385,000 | $86,000 | $1,535,000 | $93,000 | $1,650,000 |
| Application Withdrawn By Applicant | 583 | $159,425,000 | $273,000 | $2,855,000 | $125,000 | $1,841,000 |
| Application Approved But Not Accepted | 205 | $14,025,000 | $68,000 | $645,000 | $108,000 | $1,137,000 |
| File Closed For Incompleteness | 4 | $2,190,000 | $547,000 | $1,705,000 | $209,000 | $452,000 |
| 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 | 3,612 | $639,100,000 | $176,000 | $2,855,000 | $120,000 | $2,611,000 |
| Debt-To-Income Ratio | 399 | $39,625,000 | $99,000 | $985,000 | $69,000 | $356,000 |
| Credit History | 363 | $28,165,000 | $77,000 | $1,535,000 | $82,000 | $530,000 |
| Credit Application Incomplete | 306 | $22,150,000 | $72,000 | $505,000 | $116,000 | $1,650,000 |
| Collateral | 128 | $11,970,000 | $93,000 | $495,000 | $134,000 | $1,500,000 |
| Other | 41 | $3,605,000 | $87,000 | $805,000 | $137,000 | $495,000 |
| Unverifiable Information | 16 | $2,470,000 | $154,000 | $405,000 | $79,000 | $204,000 |
| Employment History | 5 | $615,000 | $123,000 | $215,000 | $68,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $785,000 | $261,000 | $345,000 | $74,000 | $86,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2023 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.