United Nations Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Nations Federal Credit Union 2004 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 Nations Federal Credit Union 24-01 44Th Road 7Th Floor New York, NY 11101 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 | 1,484 |
| Total Mortgage Loan Application Amount | $296,672,000 |
| Average Mortgage Loan Application Amount | $155,721 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $106,852 |
| Highest Applicant Income | $1,068,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with United Nations 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 Nations Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down United Nations 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 Nations Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by United Nations 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 Nations Federal Credit Union's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Queens County New York | 178 | $ 26,439,000 | $ 148,000 | $ 81,000 |
| New York County New York | 169 | $ 39,111,000 | $ 231,000 | $ 130,000 |
| Westchester County New York | 151 | $ 33,490,000 | $ 221,000 | $ 145,000 |
| Nassau County New York | 70 | $ 12,003,000 | $ 171,000 | $ 108,000 |
| Bergen County New Jersey | 61 | $ 12,868,000 | $ 210,000 | $ 127,000 |
| Hudson County New Jersey | 59 | $ 9,640,000 | $ 163,000 | $ 106,000 |
| Kings County New York | 59 | $ 10,170,000 | $ 172,000 | $ 101,000 |
| Middlesex County New Jersey | 53 | $ 8,490,000 | $ 160,000 | $ 119,000 |
| Suffolk County New York | 48 | $ 9,369,000 | $ 195,000 | $ 100,000 |
| Fairfield County Connecticut | 40 | $ 9,428,000 | $ 235,000 | $ 143,000 |
| Essex County New Jersey | 37 | $ 7,931,000 | $ 214,000 | $ 118,000 |
| Bronx County New York | 35 | $ 4,269,000 | $ 121,000 | $ 111,000 |
| Richmond County New York | 20 | $ 3,452,000 | $ 172,000 | $ 91,000 |
| Monmouth County New Jersey | 19 | $ 2,870,000 | $ 151,000 | $ 101,000 |
| Union County New Jersey | 17 | $ 3,043,000 | $ 179,000 | $ 107,000 |
| Montgomery County Maryland | 16 | $ 4,018,000 | $ 251,000 | $ 131,000 |
| District of Columbia County District Of Columbia | 13 | $ 2,281,000 | $ 175,000 | $ 105,000 |
| Orange County New York | 13 | $ 1,937,000 | $ 149,000 | $ 66,000 |
| Broward County Florida | 11 | $ 1,725,000 | $ 156,000 | $ 101,000 |
| Fairfax County Virginia | 11 | $ 2,869,000 | $ 260,000 | $ 98,000 |
| Morris County New Jersey | 10 | $ 1,702,000 | $ 170,000 | $ 106,000 |
| Somerset County New Jersey | 10 | $ 1,837,000 | $ 183,000 | $ 86,000 |
| Rockland County New York | 9 | $ 1,494,000 | $ 166,000 | $ 121,000 |
| Monroe County Pennsylvania | 9 | $ 1,330,000 | $ 147,000 | $ 91,000 |
| Palm Beach County Florida | 8 | $ 984,000 | $ 123,000 | $ 84,000 |
| Miami-Dade County Florida | 7 | $ 1,124,000 | $ 160,000 | $ 122,000 |
| Prince George's County Maryland | 7 | $ 1,255,000 | $ 179,000 | $ 81,000 |
| Putnam County New York | 7 | $ 1,850,000 | $ 264,000 | $ 159,000 |
| Orange County Florida | 6 | $ 723,000 | $ 120,000 | $ 61,000 |
| Mercer County New Jersey | 6 | $ 1,562,000 | $ 260,000 | $ 161,000 |
| Dutchess County New York | 6 | $ 1,272,000 | $ 212,000 | $ 75,000 |
| Ocean County New Jersey | 5 | $ 885,000 | $ 177,000 | $ 91,000 |
| Los Angeles County California | 4 | $ 652,000 | $ 163,000 | $ 88,000 |
| New Haven County Connecticut | 4 | $ 745,000 | $ 186,000 | $ 64,000 |
| Baltimore County Maryland | 4 | $ 184,000 | $ 46,000 | $ 87,000 |
| Middlesex County Massachusetts | 4 | $ 1,229,000 | $ 307,000 | $ 163,000 |
| Passaic County New Jersey | 4 | $ 618,000 | $ 154,000 | $ 119,000 |
| Sussex County New Jersey | 4 | $ 566,000 | $ 141,000 | $ 88,000 |
| Greene County New York | 4 | $ 817,000 | $ 204,000 | $ 158,000 |
| Sullivan County New York | 4 | $ 331,000 | $ 82,000 | $ 73,000 |
| Montgomery County Pennsylvania | 4 | $ 617,000 | $ 154,000 | $ 114,000 |
| Loudoun County Virginia | 4 | $ 851,000 | $ 212,000 | $ 149,000 |
| New Castle County Delaware | 3 | $ 345,000 | $ 115,000 | $ 64,000 |
| Brevard County Florida | 3 | $ 567,000 | $ 189,000 | $ 71,000 |
| Lake County Florida | 3 | $ 464,000 | $ 154,000 | $ 101,000 |
| Osceola County Florida | 3 | $ 330,000 | $ 110,000 | $ 59,000 |
| Worcester County Massachusetts | 3 | $ 402,000 | $ 134,000 | $ 76,000 |
| Boone County Missouri | 3 | $ 326,000 | $ 108,000 | $ 63,000 |
| Camden County New Jersey | 3 | $ 770,000 | $ 256,000 | $ 71,000 |
| Columbia County New York | 3 | $ 441,000 | $ 147,000 | $ 134,000 |
| Ulster County New York | 3 | $ 716,000 | $ 238,000 | $ 199,000 |
| Bucks County Pennsylvania | 3 | $ 951,000 | $ 317,000 | $ 170,000 |
| Philadelphia County Pennsylvania | 3 | $ 276,000 | $ 92,000 | $ 91,000 |
| Maricopa County Arizona | 2 | $ 270,000 | $ 135,000 | $ 114,000 |
| Riverside County California | 2 | $ 379,000 | $ 189,000 | $ 93,000 |
| Hartford County Connecticut | 2 | $ 307,000 | $ 153,000 | $ 102,000 |
| Alachua County Florida | 2 | $ 161,000 | $ 80,000 | $ 86,000 |
| Lee County Florida | 2 | $ 443,000 | $ 221,000 | $ 109,000 |
| Pinellas County Florida | 2 | $ 364,000 | $ 182,000 | $ 137,000 |
| Chatham County Georgia | 2 | $ 322,000 | $ 161,000 | $ 86,000 |
| Fulton County Georgia | 2 | $ 408,000 | $ 204,000 | $ 118,000 |
| Honolulu County Hawaii | 2 | $ 396,000 | $ 198,000 | $ 54,000 |
| Will County Illinois | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| Baltimore City County Maryland | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Suffolk County Massachusetts | 2 | $ 533,000 | $ 266,000 | $ 106,000 |
| Oakland County Michigan | 2 | $ 182,000 | $ 91,000 | $ 45,000 |
| Clark County Nevada | 2 | $ 366,000 | $ 183,000 | $ 78,000 |
| Burlington County New Jersey | 2 | $ 63,000 | $ 31,000 | $ 69,000 |
| Hunterdon County New Jersey | 2 | $ 73,000 | $ 36,000 | $ 116,000 |
| Wake County North Carolina | 2 | $ 232,000 | $ 116,000 | $ 101,000 |
| Delaware County Pennsylvania | 2 | $ 312,000 | $ 156,000 | $ 90,000 |
| Newport County Rhode Island | 2 | $ 717,000 | $ 358,000 | $ 106,000 |
| Harris County Texas | 2 | $ 118,000 | $ 59,000 | $ 72,000 |
| Washington County Vermont | 2 | $ 140,000 | $ 70,000 | $ 69,000 |
| Arlington County Virginia | 2 | $ 150,000 | $ 75,000 | $ 131,000 |
| James City County Virginia | 2 | $ 823,000 | $ 411,000 | $ 173,000 |
| Madison County Alabama | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Pima County Arizona | 1 | $ 200,000 | $ 200,000 | $ 215,000 |
| Craighead County Arkansas | 1 | $ 154,000 | $ 154,000 | $ 84,000 |
| Alameda County California | 1 | $ 311,000 | $ 311,000 | $ 160,000 |
| Humboldt County California | 1 | $ 56,000 | $ 56,000 | $ 160,000 |
| Kern County California | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Madera County California | 1 | $ 150,000 | $ 150,000 | $ 119,000 |
| Orange County California | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Sacramento County California | 1 | $ 50,000 | $ 50,000 | $ 83,000 |
| San Joaquin County California | 1 | $ 270,000 | $ 270,000 | $ 60,000 |
| Denver County Colorado | 1 | $ 50,000 | $ 50,000 | $ 1,068,000 |
| Routt County Colorado | 1 | $ 156,000 | $ 156,000 | $ 74,000 |
| Middlesex County Connecticut | 1 | $ 222,000 | $ 222,000 | $ 57,000 |
| Charlotte County Florida | 1 | $ 150,000 | $ 150,000 | $ 189,000 |
| Clay County Florida | 1 | $ 220,000 | $ 220,000 | $ 54,000 |
| Duval County Florida | 1 | $ 10,000 | $ 10,000 | $ 114,000 |
| Hillsborough County Florida | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Indian River County Florida | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Leon County Florida | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Polk County Florida | 1 | $ 200,000 | $ 200,000 | $ 110,000 |
| DeKalb County Georgia | 1 | $ 17,000 | $ 17,000 | $ 96,000 |
| Douglas County Georgia | 1 | $ 150,000 | $ 150,000 | $ 198,000 |
| Maui County Hawaii | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Cook County Illinois | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| McHenry County Illinois | 1 | $ 169,000 | $ 169,000 | $ 187,000 |
| Marion County Indiana | 1 | $ 81,000 | $ 81,000 | $ 87,000 |
| Douglas County Kansas | 1 | $ 112,000 | $ 112,000 | $ 69,000 |
| St. Landry County Louisiana | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
| Anne Arundel County Maryland | 1 | $ 267,000 | $ 267,000 | $ 126,000 |
| Howard County Maryland | 1 | $ 184,000 | $ 184,000 | $ 100,000 |
| Queen Anne's County Maryland | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Barnstable County Massachusetts | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Berkshire County Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Norfolk County Massachusetts | 1 | $ 180,000 | $ 180,000 | $ 36,000 |
| Blue Earth County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Delaware County New York | 1 | $ 51,000 | $ 51,000 | $ 101,000 |
| Niagara County New York | 1 | $ 342,000 | $ 342,000 | $ 206,000 |
| Saratoga County New York | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Chatham County North Carolina | 1 | $ 271,000 | $ 271,000 | $ 180,000 |
| Forsyth County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Mecklenburg County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 106,000 |
| Rowan County North Carolina | 1 | $ 23,000 | $ 23,000 | $ 55,000 |
| Multnomah County Oregon | 1 | $ 190,000 | $ 190,000 | $ 117,000 |
| Allegheny County Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 194,000 |
| Chester County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Mercer County Pennsylvania | 1 | $ 239,000 | $ 239,000 | $ 210,000 |
| Northampton County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 78,000 |
| Pike County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 169,000 |
| Charleston County South Carolina | 1 | $ 636,000 | $ 636,000 | $ 145,000 |
| Georgetown County South Carolina | 1 | $ 28,000 | $ 28,000 | $ 78,000 |
| Spartanburg County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Fort Bend County Texas | 1 | $ 137,000 | $ 137,000 | $ 86,000 |
| Travis County Texas | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Williamson County Texas | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Alexandria County Virginia | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Henrico County Virginia | 1 | $ 20,000 | $ 20,000 | $ 67,000 |
| Shenandoah County Virginia | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| King County Washington | 1 | $ 740,000 | $ 740,000 | $ 230,000 |
| Snohomish County Washington | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Whatcom County Washington | 1 | $ 98,000 | $ 98,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for United Nations Federal Credit Union in 2004
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 | 672 | $189,740,000 | $206,166 | $990,000 | $101,100 | $427,000 |
| Refinancing | 458 | $79,182,000 | $149,187 | $894,000 | $118,687 | $1,068,000 |
| Home Improvement | 354 | $27,750,000 | $61,800 | $900,000 | $105,733 | $333,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 454 | $67,865,000 | $156,125 | $894,000 | $100,250 | $354,000 |
| White | 384 | $94,277,000 | $210,333 | $990,000 | $146,125 | $1,068,000 |
| Black or African American | 292 | $63,898,000 | $167,888 | $740,000 | $103,444 | $333,000 |
| Asian | 249 | $54,823,000 | $188,733 | $766,000 | $97,800 | $346,000 |
| Hispanic | 89 | $13,766,000 | $185,909 | $575,000 | $98,454 | $303,000 |
| Not applicable | 13 | $1,699,000 | $135,166 | $300,000 | $96,166 | $211,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $150,000 | $120,500 | $122,000 |
| American Indian or Alaskan Native | 1 | $144,000 | $144,000 | $144,000 | $51,000 | $51,000 |
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) | 1,484 | $296,672,000 | $164,181 | $990,000 | $110,818 | $1,068,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,087 | $201,249,000 | $154,724 | $900,000 | $96,379 | $427,000 |
| Application Denied By Financial Institution | 127 | $22,728,000 | $145,933 | $852,000 | $87,333 | $300,000 |
| Application Approved But Not Accepted | 110 | $21,233,000 | $207,764 | $801,000 | $104,235 | $362,000 |
| Preapproval Approved but not Accepted | 104 | $37,237,000 | $358,000 | $990,000 | $124,000 | $303,000 |
| Application Withdrawn By Applicant | 33 | $7,340,000 | $254,500 | $950,000 | $210,375 | $1,068,000 |
| Preapproval Denied by Financial Institution | 23 | $6,885,000 | $299,000 | $680,000 | $100,000 | $235,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 52 | $12,404,000 | $226,800 | $852,000 | $91,600 | $228,000 |
| Credit History | 35 | $8,714,000 | $239,333 | $680,000 | $108,000 | $300,000 |
| Collateral | 26 | $3,946,000 | $196,625 | $460,000 | $88,375 | $206,000 |
| Other | 3 | $480,000 | $152,500 | $300,000 | $132,500 | $268,000 |
| Employment History | 3 | $755,000 | $272,500 | $335,000 | $39,500 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,104,000 | $368,000 | $571,000 | $125,000 | $170,000 |
| Credit Application Incomplete | 2 | $325,000 | $162,500 | $200,000 | $62,000 | $70,000 |
| Mortgage Insurance Denied | 1 | $323,000 | $323,000 | $323,000 | $105,000 | $105,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal Credit Union's 2004 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 Nations 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 New York, download the full spreadsheet
with aggregated HMDA statistics today.