United Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, United Federal Credit Union of St. Joseph, MI reported 6,172 mortgage applications totaling $832.4 million, up 22% from 2018. The average application was for $134,873, and applicants reported an average income of $93,852. 64% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Niles-Benton Harbor, MI (1,273), Reno, NV (1,197) and Asheville, NC (520) (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 | 6,172 |
| Total Mortgage Loan Application Amount | $832,440,000 |
| Average Mortgage Loan Application Amount | $134,873 |
| Highest Mortgage Loan Application Amount | $4,485,000 |
| Average Applicant Income | $93,852 |
| Highest Applicant Income | $2,562,000 |
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records United Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,273 | $ 139,715,000 | $ 109,752 | $ 83,000 |
| Reno, NV | 1,197 | $ 216,015,000 | $ 180,463 | $ 114,000 |
| Outside any metro area | 884 | $ 92,470,000 | $ 104,604 | $ 81,436 |
| Asheville, NC | 520 | $ 96,960,000 | $ 186,461 | $ 105,000 |
| Fort Smith, AR-OK | 517 | $ 50,835,000 | $ 98,326 | $ 72,406 |
| South Bend-Mishawaka, IN-MI | 427 | $ 47,685,000 | $ 111,674 | $ 79,000 |
| Grand Rapids-Wyoming, MI | 253 | $ 27,035,000 | $ 106,857 | $ 74,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 189 | $ 27,185,000 | $ 143,835 | $ 112,000 |
| Charlotte-Concord-Gastonia, NC-SC | 144 | $ 12,280,000 | $ 85,277 | $ 73,062 |
| Gary, IN | 114 | $ 8,510,000 | $ 74,649 | $ 76,000 |
| Carson City, NV | 102 | $ 15,940,000 | $ 156,274 | $ 94,000 |
| Elkhart-Goshen, IN | 70 | $ 9,450,000 | $ 135,000 | $ 93,000 |
| Columbus, OH | 45 | $ 3,825,000 | $ 85,000 | $ 91,000 |
| Hickory-Lenoir-Morganton, NC | 26 | $ 2,340,000 | $ 90,000 | $ 90,000 |
| Michigan City-La Porte, IN | 21 | $ 1,865,000 | $ 88,809 | $ 64,000 |
| Las Vegas-Henderson-Paradise, NV | 17 | $ 5,135,000 | $ 302,058 | $ 147,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 6,330,000 | $ 452,142 | $ 275,000 |
| Chicago-Naperville, IL | 13 | $ 2,305,000 | $ 177,307 | $ 115,000 |
| Kalamazoo-Portage, MI | 13 | $ 1,585,000 | $ 121,923 | $ 87,000 |
| Little Rock-North Little Rock-Conway, AR | 12 | $ 510,000 | $ 42,500 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 3,145,000 | $ 285,909 | $ 193,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 1,385,000 | $ 125,909 | $ 95,000 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 1,810,000 | $ 181,000 | $ 99,000 |
| Iowa City, IA | 9 | $ 1,965,000 | $ 218,333 | $ 111,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,060,000 | $ 132,500 | $ 88,000 |
| Tulsa, OK | 8 | $ 1,130,000 | $ 141,250 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,215,000 | $ 173,571 | $ 201,000 |
| Muskegon, MI | 6 | $ 330,000 | $ 55,000 | $ 59,000 |
| Cleveland-Elyria, OH | 5 | $ 215,000 | $ 43,000 | $ 74,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 465,000 | $ 93,000 | $ 85,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 785,000 | $ 157,000 | $ 94,000 |
| Toledo, OH | 5 | $ 435,000 | $ 87,000 | $ 78,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 910,000 | $ 227,500 | $ 158,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 620,000 | $ 155,000 | $ 166,000 |
| Cincinnati, OH-KY-IN | 4 | $ 280,000 | $ 70,000 | $ 206,000 |
| Lakeland-Winter Haven, FL | 4 | $ 460,000 | $ 115,000 | $ 70,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 600,000 | $ 150,000 | $ 213,250 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 610,000 | $ 152,500 | $ 146,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,710,000 | $ 677,500 | $ 356,000 |
| Panama City, FL | 4 | $ 690,000 | $ 172,500 | $ 149,000 |
| Raleigh, NC | 4 | $ 1,120,000 | $ 280,000 | $ 94,000 |
| Winston-Salem, NC | 4 | $ 200,000 | $ 50,000 | $ 93,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,045,000 | $ 348,333 | $ 227,000 |
| Eau Claire, WI | 3 | $ 465,000 | $ 155,000 | $ 163,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 2,205,000 | $ 735,000 | $ 326,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 245,000 | $ 81,666 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 285,000 | $ 95,000 | $ 91,000 |
| Springfield, MO | 3 | $ 45,000 | $ 15,000 | $ 76,000 |
| Tucson, AZ | 3 | $ 365,000 | $ 121,666 | $ 95,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 275,000 | $ 91,666 | $ 167,000 |
| Battle Creek, MI | 2 | $ 300,000 | $ 150,000 | $ 88,000 |
| Charleston-North Charleston, SC | 2 | $ 1,380,000 | $ 690,000 | $ 175,000 |
| Dallas-Plano-Irving, TX | 2 | $ 170,000 | $ 85,000 | $ 127,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 520,000 | $ 260,000 | $ 76,000 |
| Greensboro-High Point, NC | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Jackson, TN | 2 | $ 120,000 | $ 60,000 | $ 33,000 |
| Jacksonville, FL | 2 | $ 370,000 | $ 185,000 | $ 85,000 |
| Lancaster, PA | 2 | $ 290,000 | $ 145,000 | $ 236,000 |
| Lexington-Fayette, KY | 2 | $ 320,000 | $ 160,000 | $ 171,000 |
| Madera, CA | 2 | $ 600,000 | $ 300,000 | $ 104,000 |
| Memphis, TN-MS-AR | 2 | $ 360,000 | $ 180,000 | $ 60,500 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 240,000 | $ 120,000 | $ 98,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 460,000 | $ 230,000 | $ 922,000 |
| Oklahoma City, OK | 2 | $ 60,000 | $ 30,000 | $ 150,000 |
| Pittsburgh, PA | 2 | $ 200,000 | $ 100,000 | $ 175,000 |
| Port St. Lucie, FL | 2 | $ 80,000 | $ 40,000 | $ 73,000 |
| Punta Gorda, FL | 2 | $ 290,000 | $ 145,000 | $ 149,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 790,000 | $ 395,000 | $ 278,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,150,000 | $ 575,000 | $ 323,000 |
| Spartanburg, SC | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 620,000 | $ 310,000 | $ 236,000 |
| Wilmington, DE-MD-NJ | 2 | $ 150,000 | $ 75,000 | $ 89,000 |
| Akron, OH | 1 | $ 35,000 | $ 35,000 | $ 142,000 |
| Albuquerque, NM | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Ann Arbor, MI | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Appleton, WI | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Athens-Clarke County, GA | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Austin-Round Rock, TX | 1 | $ 95,000 | $ 95,000 | $ 309,000 |
| Bakersfield, CA | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Barnstable Town, MA | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| Beaumont-Port Arthur, TX | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Boise City, ID | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Bremerton-Silverdale, WA | 1 | $ 245,000 | $ 245,000 | $ 264,000 |
| Cedar Rapids, IA | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Colorado Springs, CO | 1 | $ 345,000 | $ 345,000 | $ 130,000 |
| Columbia, SC | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Columbus, IN | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Durham-Chapel Hill, NC | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Flint, MI | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Florence-Muscle Shoals, AL | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Greeley, CO | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Homosassa Springs, FL | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Hot Springs, AR | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Jacksonville, NC | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Kansas City, MO-KS | 1 | $ 465,000 | $ 465,000 | $ 280,000 |
| Knoxville, TN | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Kokomo, IN | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Lafayette-West Lafayette, IN | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Lansing-East Lansing, MI | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Las Cruces, NM | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Lynchburg, VA | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Mansfield, OH | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 4,485,000 | $ 4,485,000 | $ 2,562,000 |
| Midland, MI | 1 | $ 75,000 | $ 75,000 | $ 116,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Napa, CA | 1 | $ 605,000 | $ 605,000 | $ 63,000 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Oshkosh-Neenah, WI | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Providence-Warwick, RI-MA | 1 | $ 365,000 | $ 365,000 | $ 262,000 |
| Richmond, VA | 1 | $ 605,000 | $ 605,000 | $ 211,000 |
| Salisbury, MD-DE | 1 | $ 385,000 | $ 385,000 | $ 192,000 |
| San Antonio-New Braunfels, TX | 1 | $ 515,000 | $ 515,000 | $ 144,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 5,000 | $ 5,000 | $ 120,000 |
| Springfield, IL | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| St. Joseph, MO-KS | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| The Villages, FL | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Vallejo-Fairfield, CA | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Wilmington, NC | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2019
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 | 1,800 | $341,950,000 | $189,000 | $4,485,000 | $99,000 | $2,562,000 |
| Home Improvement | 1,324 | $76,710,000 | $57,000 | $1,295,000 | $91,000 | $1,237,000 |
| Refinancing | 1,291 | $225,685,000 | $174,000 | $2,925,000 | $97,000 | $2,339,000 |
| Other Purpose | 1,240 | $85,780,000 | $69,000 | $1,505,000 | $85,000 | $1,800,000 |
| Cash-out Refinancing | 504 | $100,350,000 | $199,000 | $1,905,000 | $96,000 | $1,104,000 |
| Not Applicable | 13 | $1,965,000 | $151,000 | $265,000 | $120,000 | $422,000 |
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 | 4,647 | $650,025,000 | $139,000 | $4,485,000 | $94,000 | $2,562,000 |
| Not Provided | 644 | $52,360,000 | $81,000 | $1,355,000 | $104,000 | $2,339,000 |
| Hispanic | 506 | $73,320,000 | $144,000 | $665,000 | $79,000 | $1,800,000 |
| Black or African American | 163 | $13,655,000 | $83,000 | $405,000 | $65,000 | $274,000 |
| Asian | 136 | $27,750,000 | $204,000 | $2,005,000 | $127,000 | $841,000 |
| American Indian or Alaskan Native | 41 | $3,695,000 | $90,000 | $275,000 | $64,000 | $214,000 |
| Not applicable | 20 | $6,960,000 | $348,000 | $1,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 14 | $4,360,000 | $311,000 | $1,505,000 | $138,000 | $391,000 |
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) | 5,988 | $806,410,000 | $134,000 | $4,485,000 | $95,000 | $2,562,000 |
| FHA-insured (Federal Housing Administration) | 92 | $13,660,000 | $148,000 | $385,000 | $53,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $8,970,000 | $124,000 | $325,000 | $50,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,400,000 | $170,000 | $335,000 | $69,000 | $129,000 |
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 | 3,959 | $547,625,000 | $138,000 | $4,485,000 | $98,000 | $2,562,000 |
| Application Withdrawn By Applicant | 992 | $158,830,000 | $160,000 | $1,505,000 | $91,000 | $754,000 |
| Application Denied By Financial Institution | 815 | $66,615,000 | $81,000 | $1,125,000 | $75,000 | $1,800,000 |
| Application Approved But Not Accepted | 328 | $40,060,000 | $122,000 | $1,605,000 | $92,000 | $820,000 |
| File Closed For Incompleteness | 78 | $19,310,000 | $247,000 | $905,000 | $115,000 | $739,000 |
| 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 | 5,357 | $765,825,000 | $142,000 | $4,485,000 | $96,000 | $2,562,000 |
| Credit History | 357 | $23,335,000 | $65,000 | $605,000 | $69,000 | $780,000 |
| Debt-To-Income Ratio | 175 | $21,975,000 | $125,000 | $1,125,000 | $57,000 | $477,000 |
| Credit Application Incomplete | 134 | $7,190,000 | $53,000 | $405,000 | $86,000 | $756,000 |
| Collateral | 110 | $8,380,000 | $76,000 | $1,005,000 | $109,000 | $1,800,000 |
| Employment History | 16 | $890,000 | $55,000 | $255,000 | $50,000 | $93,000 |
| Other | 11 | $3,135,000 | $285,000 | $805,000 | $119,000 | $264,000 |
| Unverifiable Information | 7 | $1,035,000 | $147,000 | $445,000 | $72,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $675,000 | $135,000 | $215,000 | $95,000 | $324,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2019 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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