United Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, United Federal Credit Union of St. Joseph, MI reported 2,558 mortgage applications totaling $409.2 million, down 7% from 2016. The average application was for $159,985, and applicants reported an average income of $84,261. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Niles-Benton Harbor, MI (689), Reno, NV (404) and Fort Smith, AR-OK (272) (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 | 2,558 |
| Total Mortgage Loan Application Amount | $409,243,000 |
| Average Mortgage Loan Application Amount | $159,985 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $84,261 |
| Highest Applicant Income | $1,370,000 |
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records United Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 689 | $ 96,863,000 | $ 140,584 | $ 82,000 |
| Reno, NV | 404 | $ 100,400,000 | $ 248,514 | $ 101,000 |
| Fort Smith, AR-OK | 272 | $ 29,302,000 | $ 107,727 | $ 67,404 |
| Asheville, NC | 185 | $ 41,846,000 | $ 226,194 | $ 108,000 |
| South Bend-Mishawaka, IN-MI | 140 | $ 15,951,000 | $ 113,935 | $ 63,850 |
| Grand Rapids-Wyoming, MI | 95 | $ 12,449,000 | $ 131,042 | $ 79,000 |
| Charlotte-Concord-Gastonia, NC-SC | 63 | $ 7,852,000 | $ 124,634 | $ 64,952 |
| Gary, IN | 54 | $ 5,931,000 | $ 109,833 | $ 63,000 |
| Kalamazoo-Portage, MI | 47 | $ 4,893,000 | $ 104,106 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 39 | $ 4,856,000 | $ 124,512 | $ 65,000 |
| Carson City, NV | 33 | $ 6,211,000 | $ 188,212 | $ 77,000 |
| Columbus, OH | 19 | $ 1,868,000 | $ 98,315 | $ 57,000 |
| Elkhart-Goshen, IN | 13 | $ 1,991,000 | $ 153,153 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 1,552,000 | $ 129,333 | $ 56,000 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 750,000 | $ 107,142 | $ 60,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,438,000 | $ 239,666 | $ 77,000 |
| Muskegon, MI | 5 | $ 673,000 | $ 134,600 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 911,000 | $ 182,200 | $ 71,000 |
| Cleveland-Elyria, OH | 4 | $ 153,000 | $ 38,250 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 975,000 | $ 243,750 | $ 73,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,308,000 | $ 327,000 | $ 141,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,075,000 | $ 268,750 | $ 103,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 847,000 | $ 282,333 | $ 119,000 |
| Cleveland, TN | 3 | $ 720,000 | $ 240,000 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,379,000 | $ 459,666 | $ 205,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 474,000 | $ 158,000 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,040,000 | $ 346,666 | $ 178,000 |
| Port St. Lucie, FL | 3 | $ 524,000 | $ 174,666 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 414,000 | $ 138,000 | $ 118,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,534,000 | $ 511,333 | $ 173,000 |
| Akron, OH | 2 | $ 565,000 | $ 282,500 | $ 285,000 |
| Albuquerque, NM | 2 | $ 162,000 | $ 81,000 | $ 66,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 287,000 | $ 143,500 | $ 81,000 |
| Boise City, ID | 2 | $ 575,000 | $ 287,500 | $ 125,000 |
| Dallas-Plano-Irving, TX | 2 | $ 242,000 | $ 121,000 | $ 78,000 |
| Evansville, IN-KY | 2 | $ 343,000 | $ 171,500 | $ 75,000 |
| Fort Wayne, IN | 2 | $ 246,000 | $ 123,000 | $ 84,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 341,000 | $ 170,500 | $ 189,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 73,000 | $ 36,500 | $ 73,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 275,000 | $ 137,500 | $ 87,000 |
| Johnson City, TN | 2 | $ 374,000 | $ 187,000 | $ 75,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 742,000 | $ 371,000 | $ 179,000 |
| Lexington-Fayette, KY | 2 | $ 376,000 | $ 188,000 | $ 109,000 |
| Michigan City-La Porte, IN | 2 | $ 369,000 | $ 184,500 | $ 55,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 347,000 | $ 173,500 | $ 88,000 |
| Oklahoma City, OK | 2 | $ 422,000 | $ 211,000 | $ 135,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 534,000 | $ 267,000 | $ 79,000 |
| San Diego-Carlsbad, CA | 2 | $ 995,000 | $ 497,500 | $ 158,000 |
| Austin-Round Rock, TX | 1 | $ 425,000 | $ 425,000 | $ 374,000 |
| Barnstable Town, MA | 1 | $ 447,000 | $ 447,000 | $ 140,000 |
| Battle Creek, MI | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 359,000 | $ 359,000 | $ 143,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 226,000 | $ 226,000 | $ 94,000 |
| Charleston-North Charleston, SC | 1 | $ 532,000 | $ 532,000 | $ 974,000 |
| Clarksville, TN-KY | 1 | $ 140,000 | $ 140,000 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 206,000 | $ 206,000 | $ 255,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 60,000 | $ 60,000 | $ 165,000 |
| Gainesville, GA | 1 | $ 210,000 | $ 210,000 | $ 43,000 |
| Greensboro-High Point, NC | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Hot Springs, AR | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 151,000 | $ 151,000 | $ 115,000 |
| Iowa City, IA | 1 | $ 214,000 | $ 214,000 | $ 100,000 |
| Jacksonville, FL | 1 | $ 120,000 | $ 120,000 | $ 479,000 |
| Kankakee, IL | 1 | $ 128,000 | $ 128,000 | $ 102,000 |
| Knoxville, TN | 1 | $ 632,000 | $ 632,000 | $ 160,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 524,000 | $ 524,000 | $ 188,000 |
| Lakeland-Winter Haven, FL | 1 | $ 280,000 | $ 280,000 | $ 140,000 |
| Lansing-East Lansing, MI | 1 | $ 164,000 | $ 164,000 | $ 101,000 |
| Lima, OH | 1 | $ 38,000 | $ 38,000 | $ 30,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 400,000 | $ 400,000 | $ 29,000 |
| Madera, CA | 1 | $ 323,000 | $ 323,000 | $ 104,000 |
| Montgomery, AL | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| Morristown, TN | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,370,000 |
| Ocala, FL | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 114,000 | $ 114,000 | $ 68,000 |
| Panama City, FL | 1 | $ 150,000 | $ 150,000 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 164,000 | $ 164,000 | $ 72,000 |
| Pittsburgh, PA | 1 | $ 40,000 | $ 40,000 | $ 104,000 |
| Portland-South Portland, ME | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Racine, WI | 1 | $ 122,000 | $ 122,000 | $ 70,000 |
| Santa Fe, NM | 1 | $ 451,000 | $ 451,000 | $ 116,000 |
| Savannah, GA | 1 | $ 166,000 | $ 166,000 | $ 104,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 400,000 | $ 400,000 | $ 131,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 43,000 | $ 43,000 | $ 50,000 |
| Spartanburg, SC | 1 | $ 220,000 | $ 220,000 | $ 81,000 |
| Springfield, MO | 1 | $ 60,000 | $ 60,000 | $ 67,000 |
| Springfield, OH | 1 | $ 12,000 | $ 12,000 | $ 37,000 |
| St. Joseph, MO-KS | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| The Villages, FL | 1 | $ 282,000 | $ 282,000 | $ 66,000 |
| Tulsa, OK | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Winston-Salem, NC | 1 | $ 72,000 | $ 72,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2017
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 | 1,192 | $210,731,000 | $176,000 | $1,643,000 | $88,000 | $1,370,000 |
| Refinancing | 1,117 | $177,186,000 | $158,000 | $1,800,000 | $81,000 | $974,000 |
| Home Improvement | 249 | $21,326,000 | $85,000 | $1,500,000 | $81,000 | $808,000 |
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 | 2,010 | $337,425,000 | $167,000 | $1,800,000 | $86,000 | $1,370,000 |
| Not Provided | 231 | $16,899,000 | $73,000 | $1,643,000 | $75,000 | $583,000 |
| Hispanic | 162 | $28,175,000 | $173,000 | $800,000 | $78,000 | $380,000 |
| Black or African American | 73 | $9,731,000 | $133,000 | $523,000 | $70,000 | $293,000 |
| Asian | 52 | $10,729,000 | $206,000 | $675,000 | $82,000 | $212,000 |
| American Indian or Alaskan Native | 14 | $1,676,000 | $119,000 | $262,000 | $72,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,516,000 | $347,000 | $1,650,000 | $121,000 | $374,000 |
| Not applicable | 3 | $92,000 | $30,000 | $37,000 | $55,000 | $73,000 |
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) | 2,446 | $392,770,000 | $160,000 | $1,800,000 | $85,000 | $1,370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $5,508,000 | $119,000 | $238,000 | $47,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 44 | $7,044,000 | $160,000 | $351,000 | $57,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,921,000 | $178,000 | $321,000 | $71,000 | $296,000 |
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 | 1,723 | $289,597,000 | $168,000 | $1,800,000 | $89,000 | $1,370,000 |
| Application Approved But Not Accepted | 350 | $54,582,000 | $155,000 | $677,000 | $76,000 | $380,000 |
| Application Denied By Financial Institution | 278 | $29,745,000 | $106,000 | $1,153,000 | $60,000 | $245,000 |
| Application Withdrawn By Applicant | 189 | $32,600,000 | $172,000 | $1,643,000 | $91,000 | $808,000 |
| File Closed For Incompleteness | 18 | $2,719,000 | $151,000 | $312,000 | $61,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 139 | $11,052,000 | $79,000 | $340,000 | $60,000 | $243,000 |
| Debt-To-Income Ratio | 69 | $10,985,000 | $159,000 | $800,000 | $47,000 | $135,000 |
| Collateral | 21 | $3,889,000 | $185,000 | $630,000 | $72,000 | $173,000 |
| Employment History | 7 | $1,614,000 | $230,000 | $1,153,000 | $97,000 | $245,000 |
| Unverifiable Information | 4 | $416,000 | $104,000 | $256,000 | $67,000 | $120,000 |
| Other | 1 | $58,000 | $58,000 | $58,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2017 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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