United Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, United Federal Credit Union of St. Joseph, MI reported 5,344 mortgage applications totaling $1.0 billion, up 11% from 2024. The average application was for $194,086, and applicants reported an average income of $130,590. 60% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Niles-Benton Harbor, MI (1,034), Reno, NV (740) and Asheville, NC (466) (applications in parentheses).
| Mortgage Company & Address | United Federal Credit Union 2807 South State St St. Joseph, MI 49085 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 5,344 |
| Total Mortgage Loan Application Amount | $1,037,200,000 |
| Average Mortgage Loan Application Amount | $194,086 |
| Highest Mortgage Loan Application Amount | $4,335,000 |
| Average Applicant Income | $130,590 |
| Highest Applicant Income | $3,703,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Niles-Benton Harbor, MI | 1,034 | $ 156,800,000 | $ 151,644 | $ 108,000 |
| Outside any metro area | 876 | $ 164,650,000 | $ 187,956 | $ 124,726 |
| Reno, NV | 740 | $ 160,030,000 | $ 216,256 | $ 157,000 |
| Asheville, NC | 466 | $ 124,370,000 | $ 266,888 | $ 141,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 432 | $ 99,000,000 | $ 229,166 | $ 143,000 |
| Fort Smith, AR-OK | 353 | $ 36,715,000 | $ 104,008 | $ 89,325 |
| South Bend-Mishawaka, IN-MI | 340 | $ 48,530,000 | $ 142,735 | $ 96,326 |
| Grand Rapids-Wyoming, MI | 251 | $ 59,985,000 | $ 238,984 | $ 137,000 |
| Charlotte-Concord-Gastonia, NC-SC | 139 | $ 22,165,000 | $ 159,460 | $ 113,338 |
| Allentown-Bethlehem-Easton, PA-NJ | 81 | $ 12,225,000 | $ 150,925 | $ 152,000 |
| Carson City, NV | 81 | $ 12,085,000 | $ 149,197 | $ 173,000 |
| Elkhart-Goshen, IN | 56 | $ 10,480,000 | $ 187,142 | $ 116,000 |
| Hickory-Lenoir-Morganton, NC | 30 | $ 7,130,000 | $ 237,666 | $ 108,000 |
| Kalamazoo-Portage, MI | 30 | $ 7,340,000 | $ 244,666 | $ 138,000 |
| Columbus, OH | 26 | $ 4,300,000 | $ 165,384 | $ 113,000 |
| Lake County-Porter County-Jasper County, IN | 25 | $ 3,645,000 | $ 145,800 | $ 97,000 |
| Battle Creek, MI | 20 | $ 3,210,000 | $ 160,500 | $ 97,000 |
| Spartanburg, SC | 17 | $ 4,805,000 | $ 282,647 | $ 128,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 3,030,000 | $ 216,428 | $ 139,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 2,950,000 | $ 295,000 | $ 196,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 1,520,000 | $ 152,000 | $ 147,000 |
| Michigan City-La Porte, IN | 10 | $ 2,390,000 | $ 239,000 | $ 142,000 |
| Chicago-Naperville, IL | 9 | $ 3,235,000 | $ 359,444 | $ 180,000 |
| Muskegon, MI | 9 | $ 1,115,000 | $ 123,888 | $ 120,000 |
| Traverse City, MI | 9 | $ 3,555,000 | $ 395,000 | $ 214,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 4,640,000 | $ 580,000 | $ 365,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,990,000 | $ 373,750 | $ 190,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 3,955,000 | $ 565,000 | $ 267,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 1,625,000 | $ 232,142 | $ 117,000 |
| Reading, PA | 7 | $ 975,000 | $ 139,285 | $ 195,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,575,000 | $ 225,000 | $ 182,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 1,770,000 | $ 295,000 | $ 372,000 |
| Austin-Round Rock, TX | 6 | $ 1,110,000 | $ 185,000 | $ 261,000 |
| Raleigh, NC | 6 | $ 2,070,000 | $ 345,000 | $ 197,000 |
| Fresno, CA | 5 | $ 2,395,000 | $ 479,000 | $ 416,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,535,000 | $ 507,000 | $ 282,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 755,000 | $ 151,000 | $ 149,000 |
| Toledo, OH | 5 | $ 485,000 | $ 97,000 | $ 148,000 |
| Tulsa, OK | 5 | $ 1,015,000 | $ 203,000 | $ 129,000 |
| Winston-Salem, NC | 5 | $ 515,000 | $ 103,000 | $ 209,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 1,970,000 | $ 492,500 | $ 194,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 410,000 | $ 102,500 | $ 129,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 750,000 | $ 187,500 | $ 168,000 |
| Cleveland, OH | 4 | $ 620,000 | $ 155,000 | $ 119,000 |
| Kansas City, MO-KS | 4 | $ 1,150,000 | $ 287,500 | $ 221,000 |
| Lakewood-New Brunswick, NJ | 4 | $ 850,000 | $ 212,500 | $ 170,000 |
| Lansing-East Lansing, MI | 4 | $ 1,070,000 | $ 267,500 | $ 107,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,290,000 | $ 322,500 | $ 243,000 |
| Punta Gorda, FL | 4 | $ 1,460,000 | $ 365,000 | $ 157,000 |
| Ann Arbor, MI | 3 | $ 1,085,000 | $ 361,666 | $ 96,000 |
| Columbia, SC | 3 | $ 1,185,000 | $ 395,000 | $ 158,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 125,000 | $ 41,666 | $ 124,000 |
| Jackson, MI | 3 | $ 505,000 | $ 168,333 | $ 66,000 |
| Jacksonville, NC | 3 | $ 255,000 | $ 85,000 | $ 83,000 |
| Johnson City, TN | 3 | $ 375,000 | $ 125,000 | $ 115,000 |
| Joplin, MO | 3 | $ 395,000 | $ 131,666 | $ 74,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 225,000 | $ 75,000 | $ 222,000 |
| Oklahoma City, OK | 3 | $ 205,000 | $ 68,333 | $ 96,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 725,000 | $ 241,666 | $ 351,000 |
| San Diego-Carlsbad, CA | 3 | $ 2,065,000 | $ 688,333 | $ 219,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 615,000 | $ 205,000 | $ 517,000 |
| Springfield, MO | 3 | $ 535,000 | $ 178,333 | $ 96,000 |
| Tampa, FL | 3 | $ 125,000 | $ 41,666 | $ 128,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,430,000 | $ 715,000 | $ 353,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 140,000 | $ 70,000 | $ 136,000 |
| Durham-Chapel Hill, NC | 2 | $ 600,000 | $ 300,000 | $ 190,000 |
| Greensboro-High Point, NC | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,480,000 | $ 740,000 | $ 645,000 |
| Homosassa Springs, FL | 2 | $ 200,000 | $ 100,000 | $ 151,000 |
| Huntsville, AL | 2 | $ 820,000 | $ 410,000 | $ 143,000 |
| Lafayette-West Lafayette, IN | 2 | $ 490,000 | $ 245,000 | $ 267,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 590,000 | $ 295,000 | $ 180,000 |
| Marietta, GA | 2 | $ 360,000 | $ 180,000 | $ 197,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 840,000 | $ 420,000 | $ 190,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,220,000 | $ 610,000 | $ 368,000 |
| Mobile, AL | 2 | $ 580,000 | $ 290,000 | $ 198,000 |
| Montgomery, AL | 2 | $ 300,000 | $ 150,000 | $ 141,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,610,000 | $ 1,305,000 | $ 790,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 140,000 | $ 70,000 | $ 302,500 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 900,000 | $ 450,000 | $ 318,500 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 420,000 | $ 210,000 | $ 121,000 |
| Salem, OR | 2 | $ 390,000 | $ 195,000 | $ 132,000 |
| Sebastian-Vero Beach, FL | 2 | $ 60,000 | $ 30,000 | $ 106,000 |
| St. Louis, MO-IL | 2 | $ 850,000 | $ 425,000 | $ 161,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 580,000 | $ 290,000 | $ 127,000 |
| Tucson, AZ | 2 | $ 340,000 | $ 170,000 | $ 142,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 240,000 | $ 120,000 | $ 290,000 |
| Wilmington, NC | 2 | $ 360,000 | $ 180,000 | $ 166,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 60,000 | $ 30,000 | $ 115,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Barnstable Town, MA | 1 | $ 1,445,000 | $ 1,445,000 | $ 943,000 |
| Birmingham-Hoover, AL | 1 | $ 715,000 | $ 715,000 | $ 355,000 |
| Bloomington, IN | 1 | $ 425,000 | $ 425,000 | $ 182,000 |
| Boston, MA | 1 | $ 45,000 | $ 45,000 | $ 307,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Brunswick, GA | 1 | $ 575,000 | $ 575,000 | $ 300,000 |
| Canton-Massillon, OH | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Charleston, WV | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Chico, CA | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Cincinnati, OH-KY-IN | 1 | $ 115,000 | $ 115,000 | $ 180,000 |
| Colorado Springs, CO | 1 | $ 515,000 | $ 515,000 | $ 863,000 |
| Columbus, IN | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Dallas-Plano-Irving, TX | 1 | $ 615,000 | $ 615,000 | $ 165,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 505,000 | $ 505,000 | $ 336,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 525,000 | $ 525,000 | $ 170,000 |
| Elgin, IL | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Flint, MI | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Fort Wayne, IN | 1 | $ 345,000 | $ 345,000 | $ 162,000 |
| Fort Worth-Arlington, TX | 1 | $ 625,000 | $ 625,000 | $ 370,000 |
| Goldsboro, NC | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| Grants Pass, OR | 1 | $ 35,000 | $ 35,000 | $ 146,000 |
| Janesville-Beloit, WI | 1 | $ 775,000 | $ 775,000 | $ 196,000 |
| Jefferson City, MO | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Kenosha, WI | 1 | $ 105,000 | $ 105,000 | $ 250,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 155,000 | $ 155,000 | $ 360,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 475,000 | $ 475,000 | $ 145,000 |
| Lima, OH | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Macon-Bibb County, GA | 1 | $ 135,000 | $ 135,000 | $ 175,000 |
| Mansfield, OH | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Midland, MI | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Newark, NJ-PA | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Panama City, FL | 1 | $ 445,000 | $ 445,000 | $ 243,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 1,485,000 | $ 1,485,000 | $ 547,000 |
| Pittsburgh, PA | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Port St. Lucie, FL | 1 | $ 725,000 | $ 725,000 | $ 218,000 |
| Saginaw, MI | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Salinas, CA | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| San Antonio-New Braunfels, TX | 1 | $ 335,000 | $ 335,000 | $ 257,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 305,000 | $ 305,000 | $ 428,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 85,000 | $ 85,000 | $ 261,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Santa Rosa, CA | 1 | $ 1,775,000 | $ 1,775,000 | $ 516,000 |
| Sebring, FL | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Sheboygan, WI | 1 | $ 995,000 | $ 995,000 | $ 717,000 |
| Spokane-Spokane Valley, WA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Springfield, IL | 1 | $ 465,000 | $ 465,000 | $ 183,000 |
| Stockton-Lodi, CA | 1 | $ 755,000 | $ 755,000 | $ 573,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 435,000 | $ 435,000 | $ 393,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 635,000 | $ 635,000 | $ 191,000 |
| Wichita, KS | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2025
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 | 1,654 | $549,860,000 | $332,000 | $3,985,000 | $150,000 | $2,795,000 |
| Home Improvement | 1,377 | $121,945,000 | $88,000 | $1,445,000 | $122,000 | $3,703,000 |
| Other Purpose | 1,231 | $129,935,000 | $105,000 | $4,335,000 | $116,000 | $3,091,000 |
| Refinancing | 663 | $123,335,000 | $186,000 | $1,105,000 | $130,000 | $1,002,000 |
| Cash-out Refinancing | 419 | $112,125,000 | $267,000 | $1,985,000 | $126,000 | $1,073,000 |
| 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 | 3,625 | $726,025,000 | $200,000 | $3,985,000 | $132,000 | $3,703,000 |
| Not Provided | 731 | $105,555,000 | $144,000 | $2,755,000 | $134,000 | $1,028,000 |
| Hispanic | 547 | $106,405,000 | $194,000 | $1,985,000 | $114,000 | $692,000 |
| Black or African American | 200 | $29,740,000 | $148,000 | $4,335,000 | $101,000 | $768,000 |
| Asian | 178 | $58,260,000 | $327,000 | $2,505,000 | $188,000 | $3,003,000 |
| American Indian or Alaskan Native | 38 | $6,000,000 | $157,000 | $985,000 | $113,000 | $898,000 |
| Not applicable | 16 | $4,030,000 | $251,000 | $855,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,185,000 | $131,000 | $285,000 | $63,000 | $126,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,078 | $964,400,000 | $189,000 | $4,335,000 | $132,000 | $3,703,000 |
| FHA-insured (Federal Housing Administration) | 212 | $55,160,000 | $260,000 | $655,000 | $96,000 | $517,000 |
| VA-guaranteed (Veterans Administration) | 30 | $12,880,000 | $429,000 | $1,895,000 | $167,000 | $931,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,760,000 | $198,000 | $415,000 | $71,000 | $118,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,216 | $688,970,000 | $214,000 | $3,985,000 | $140,000 | $3,703,000 |
| Application Denied By Financial Institution | 1,284 | $139,660,000 | $108,000 | $4,335,000 | $104,000 | $2,800,000 |
| Application Withdrawn By Applicant | 650 | $186,650,000 | $287,000 | $2,805,000 | $141,000 | $3,003,000 |
| Application Approved But Not Accepted | 165 | $13,405,000 | $81,000 | $505,000 | $117,000 | $1,487,000 |
| File Closed For Incompleteness | 29 | $8,515,000 | $293,000 | $725,000 | $116,000 | $300,000 |
| 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 | 4,060 | $897,540,000 | $221,000 | $3,985,000 | $139,000 | $3,703,000 |
| Credit History | 390 | $35,390,000 | $90,000 | $4,335,000 | $85,000 | $495,000 |
| Credit Application Incomplete | 331 | $29,725,000 | $89,000 | $855,000 | $134,000 | $2,800,000 |
| Debt-To-Income Ratio | 316 | $40,800,000 | $129,000 | $1,985,000 | $79,000 | $427,000 |
| Collateral | 136 | $15,300,000 | $112,000 | $1,775,000 | $145,000 | $768,000 |
| Other | 67 | $9,045,000 | $135,000 | $805,000 | $112,000 | $504,000 |
| Unverifiable Information | 34 | $8,040,000 | $236,000 | $1,285,000 | $89,000 | $380,000 |
| Employment History | 8 | $910,000 | $113,000 | $425,000 | $73,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $450,000 | $225,000 | $265,000 | $95,000 | $119,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2025 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.
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