United Nations Federal CU Mortgage Lending & HMDA Data, 2015

In 2015, United Nations Federal CU of Long Island City, NY reported 1,757 mortgage applications totaling $691.7 million, up 81% from 2014. The average application was for $393,654, and applicants reported an average income of $167,914. 63% of its applications resulted in an originated loan and 21% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (610), Washington-Arlington-Alexandria, DC-VA-MD-WV (338) and Silver Spring-Frederick-Rockville, MD (132) (applications in parentheses).

Mortgage Company & Address United Nations Federal CU
24-01 44th Road 7th Floor
Long Island City, NY 11101
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 1,757
Total Mortgage Loan Application Amount $691,651,000
Average Mortgage Loan Application Amount $393,654
Highest Mortgage Loan Application Amount $2,600,000
Average Applicant Income $167,914
Highest Applicant Income $1,685,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for United Nations Federal CU by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
New York, New York 211 $ 95,579,000 $ 452,981 $ 182,000
District of Columbia, District Of Columbia 137 $ 70,038,000 $ 511,226 $ 193,000
Montgomery, Maryland 131 $ 66,590,000 $ 508,320 $ 187,000
Fairfax, Virginia 100 $ 55,286,000 $ 552,860 $ 209,000
Queens, New York 94 $ 28,775,000 $ 306,117 $ 126,000
Westchester, New York 94 $ 33,916,000 $ 360,808 $ 169,000
Kings, New York 82 $ 38,291,000 $ 466,963 $ 159,000
Bergen, New Jersey 48 $ 17,425,000 $ 363,020 $ 172,000
Loudoun, Virginia 35 $ 13,275,000 $ 379,285 $ 169,000
Nassau, New York 32 $ 9,478,000 $ 296,187 $ 136,000
Hudson, New Jersey 25 $ 8,290,000 $ 331,600 $ 159,000
Arlington, Virginia 22 $ 10,623,000 $ 482,863 $ 165,000
Fairfield, Connecticut 21 $ 7,422,000 $ 353,428 $ 164,000
Miami-Dade, Florida 21 $ 4,499,000 $ 214,238 $ 132,000
Essex, New Jersey 20 $ 6,696,000 $ 334,800 $ 179,000
Bronx, New York 20 $ 4,033,000 $ 201,650 $ 105,000
Suffolk, New York 18 $ 5,701,000 $ 316,722 $ 200,000
Broward, Florida 14 $ 2,203,000 $ 157,357 $ 156,000
Howard, Maryland 13 $ 5,520,000 $ 424,615 $ 166,000
Middlesex, New Jersey 13 $ 3,624,000 $ 278,769 $ 138,000
Prince George's, Maryland 11 $ 2,450,000 $ 222,727 $ 232,000
Wake, North Carolina 11 $ 3,102,000 $ 282,000 $ 171,000
Prince William, Virginia 11 $ 3,549,000 $ 322,636 $ 108,000
Orange, Florida 10 $ 3,285,000 $ 328,500 $ 161,000
Palm Beach, Florida 10 $ 4,182,000 $ 418,200 $ 255,000
Somerset, New Jersey 10 $ 2,632,000 $ 263,200 $ 126,000
Alexandria, Virginia 9 $ 3,757,000 $ 417,444 $ 163,000
Middlesex, Massachusetts 8 $ 2,798,000 $ 349,750 $ 180,000
Monmouth, New Jersey 8 $ 3,001,000 $ 375,125 $ 173,000
Richmond, New York 7 $ 2,619,000 $ 374,142 $ 170,000
Philadelphia, Pennsylvania 7 $ 949,000 $ 135,571 $ 78,000
Los Angeles, California 6 $ 2,384,000 $ 397,333 $ 230,000
Mercer, New Jersey 6 $ 1,631,000 $ 271,833 $ 131,000
Morris, New Jersey 6 $ 2,261,000 $ 376,833 $ 181,000
Ulster, New York 6 $ 869,000 $ 144,833 $ 153,000
Harris, Texas 6 $ 1,256,000 $ 209,333 $ 165,000
Salt Lake, Utah 6 $ 482,000 $ 80,333 $ 192,000
King, Washington 6 $ 3,100,000 $ 516,666 $ 184,000
Orange, California 5 $ 3,604,000 $ 720,800 $ 211,000
Fulton, Georgia 5 $ 411,000 $ 82,200 $ 66,000
Cook, Illinois 5 $ 968,000 $ 193,600 $ 229,000
Anne Arundel, Maryland 5 $ 2,227,000 $ 445,400 $ 234,000
Alameda, California 4 $ 2,576,000 $ 644,000 $ 139,000
Cobb, Georgia 4 $ 700,000 $ 175,000 $ 117,000
Baltimore, Maryland 4 $ 515,000 $ 128,750 $ 112,000
Charles, Maryland 4 $ 423,000 $ 105,750 $ 206,000
Oakland, Michigan 4 $ 285,000 $ 71,250 $ 154,000
Dutchess, New York 4 $ 663,000 $ 165,750 $ 161,000
Montgomery, Pennsylvania 4 $ 856,000 $ 214,000 $ 110,000
Denton, Texas 4 $ 851,000 $ 212,750 $ 137,000
Maricopa, Arizona 3 $ 1,250,000 $ 416,666 $ 147,000
Riverside, California 3 $ 1,027,000 $ 342,333 $ 135,000
San Bernardino, California 3 $ 998,000 $ 332,666 $ 109,000
San Francisco, California 3 $ 1,335,000 $ 445,000 $ 172,000
Hartford, Connecticut 3 $ 469,000 $ 156,333 $ 226,000
Osceola, Florida 3 $ 480,000 $ 160,000 $ 102,000
Sarasota, Florida 3 $ 521,000 $ 173,666 $ 148,000
Baltimore City, Maryland 3 $ 151,000 $ 50,333 $ 107,000
Suffolk, Massachusetts 3 $ 296,000 $ 98,666 $ 73,000
Union, New Jersey 3 $ 1,458,000 $ 486,000 $ 188,000
Greene, New York 3 $ 316,000 $ 105,333 $ 133,000
Putnam, New York 3 $ 870,000 $ 290,000 $ 90,000
Rockland, New York 3 $ 382,000 $ 127,333 $ 89,000
Sullivan, New York 3 $ 160,000 $ 53,333 $ 60,000
Mecklenburg, North Carolina 3 $ 491,000 $ 163,666 $ 71,000
Bucks, Pennsylvania 3 $ 1,263,000 $ 421,000 $ 184,000
Davidson, Tennessee 3 $ 710,000 $ 236,666 $ 130,000
Collin, Texas 3 $ 1,357,000 $ 452,333 $ 211,000
Dallas, Texas 3 $ 2,615,000 $ 871,666 $ 322,000
Tarrant, Texas 3 $ 679,000 $ 226,333 $ 115,000
Fairfax City, Virginia 3 $ 580,000 $ 193,333 $ 133,000
San Diego, California 2 $ 973,000 $ 486,500 $ 216,000
Ventura, California 2 $ 762,000 $ 381,000 $ 265,000
Litchfield, Connecticut 2 $ 635,000 $ 317,500 $ 83,000
New Haven, Connecticut 2 $ 460,000 $ 230,000 $ 109,000
Tolland, Connecticut 2 $ 171,000 $ 85,500 $ 67,000
Kent, Delaware 2 $ 558,000 $ 279,000 $ 139,000
Sussex, Delaware 2 $ 862,000 $ 431,000 $ 1,031,000
Collier, Florida 2 $ 274,000 $ 137,000 $ 90,000
Flagler, Florida 2 $ 167,000 $ 83,500 $ 81,000
Forsyth, Georgia 2 $ 566,000 $ 283,000 $ 116,000
Gwinnett, Georgia 2 $ 478,000 $ 239,000 $ 82,000
Worcester, Maryland 2 $ 512,000 $ 256,000 $ 191,000
Barnstable, Massachusetts 2 $ 638,000 $ 319,000 $ 121,000
Clark, Nevada 2 $ 297,000 $ 148,500 $ 93,000
Hillsborough, New Hampshire 2 $ 276,000 $ 138,000 $ 150,000
Ocean, New Jersey 2 $ 294,000 $ 147,000 $ 86,000
Passaic, New Jersey 2 $ 575,000 $ 287,500 $ 101,000
Sussex, New Jersey 2 $ 520,000 $ 260,000 $ 50,000
Buncombe, North Carolina 2 $ 372,000 $ 186,000 $ 96,000
Chatham, North Carolina 2 $ 535,000 $ 267,500 $ 115,000
Durham, North Carolina 2 $ 484,000 $ 242,000 $ 177,000
Chester, Pennsylvania 2 $ 1,389,000 $ 694,500 $ 222,000
Cumberland, Pennsylvania 2 $ 652,000 $ 326,000 $ 119,000
Monroe, Pennsylvania 2 $ 161,000 $ 80,500 $ 91,000
Horry, South Carolina 2 $ 616,000 $ 308,000 $ 117,000
Oconee, South Carolina 2 $ 115,000 $ 57,500 $ 171,000
Fort Bend, Texas 2 $ 235,000 $ 117,500 $ 120,000
Augusta, Virginia 2 $ 150,000 $ 75,000 $ 55,000
James City, Virginia 2 $ 680,000 $ 340,000 $ 125,000
Virginia Beach, Virginia 2 $ 468,000 $ 234,000 $ 76,000
Contra Costa, California 1 $ 374,000 $ 374,000 $ 119,000
Marin, California 1 $ 672,000 $ 672,000 $ 151,000
Placer, California 1 $ 220,000 $ 220,000 $ 138,000
Sacramento, California 1 $ 315,000 $ 315,000 $ 138,000
San Mateo, California 1 $ 500,000 $ 500,000 $ 102,000
Tulare, California 1 $ 136,000 $ 136,000 $ 85,000
Boulder, Colorado 1 $ 185,000 $ 185,000 $ 69,000
Mesa, Colorado 1 $ 220,000 $ 220,000 $ 134,000
Middlesex, Connecticut 1 $ 228,000 $ 228,000 $ 373,000
New Castle, Delaware 1 $ 25,000 $ 25,000 $ 71,000
Alachua, Florida 1 $ 90,000 $ 90,000 $ 135,000
Brevard, Florida 1 $ 255,000 $ 255,000 $ 304,000
Indian River, Florida 1 $ 568,000 $ 568,000 $ 235,000
Lee, Florida 1 $ 200,000 $ 200,000 $ 69,000
Manatee, Florida 1 $ 280,000 $ 280,000 $ 268,000
Pinellas, Florida 1 $ 129,000 $ 129,000 $ 58,000
Polk, Florida 1 $ 109,000 $ 109,000 $ 166,000
St. Johns, Florida 1 $ 235,000 $ 235,000 $ 55,000
St. Lucie, Florida 1 $ 80,000 $ 80,000 $ 200,000
Volusia, Florida 1 $ 140,000 $ 140,000 $ 51,000
Bibb, Georgia 1 $ 783,000 $ 783,000 $ 1,312,000
Cherokee, Georgia 1 $ 169,000 $ 169,000 $ 61,000
DeKalb, Georgia 1 $ 364,000 $ 364,000 $ 119,000
Douglas, Georgia 1 $ 212,000 $ 212,000 $ 167,000
Marion, Indiana 1 $ 65,000 $ 65,000 $ 203,000
Johnson, Kansas 1 $ 35,000 $ 35,000 $ 234,000
York, Maine 1 $ 239,000 $ 239,000 $ 241,000
Calvert, Maryland 1 $ 125,000 $ 125,000 $ 447,000
Frederick, Maryland 1 $ 296,000 $ 296,000 $ 118,000
Queen Anne's, Maryland 1 $ 300,000 $ 300,000 $ 309,000
Essex, Massachusetts 1 $ 356,000 $ 356,000 $ 117,000
Norfolk, Massachusetts 1 $ 330,000 $ 330,000 $ 281,000
Worcester, Massachusetts 1 $ 344,000 $ 344,000 $ 101,000
Kalamazoo, Michigan 1 $ 40,000 $ 40,000 $ 25,000
Hennepin, Minnesota 1 $ 370,000 $ 370,000 $ 207,000
Lowndes, Mississippi 1 $ 115,000 $ 115,000 $ 103,000
Jackson, Missouri 1 $ 310,000 $ 310,000 $ 250,000
St. Louis, Missouri 1 $ 612,000 $ 612,000 $ 260,000
Washoe, Nevada 1 $ 165,000 $ 165,000 $ 35,000
Burlington, New Jersey 1 $ 275,000 $ 275,000 $ 380,000
Camden, New Jersey 1 $ 296,000 $ 296,000 $ 240,000
Hunterdon, New Jersey 1 $ 358,000 $ 358,000 $ 221,000
Santa Fe, New Mexico 1 $ 252,000 $ 252,000 $ 162,000
Taos, New Mexico 1 $ 304,000 $ 304,000 $ 236,000
Delaware, New York 1 $ 276,000 $ 276,000 $ 190,000
Monroe, New York 1 $ 128,000 $ 128,000 $ 0
Orange, New York 1 $ 285,000 $ 285,000 $ 112,000
Schenectady, New York 1 $ 25,000 $ 25,000 $ 48,000
Dare, North Carolina 1 $ 636,000 $ 636,000 $ 450,000
Forsyth, North Carolina 1 $ 100,000 $ 100,000 $ 48,000
Iredell, North Carolina 1 $ 350,000 $ 350,000 $ 128,000
Hamilton, Ohio 1 $ 170,000 $ 170,000 $ 113,000
Tulsa, Oklahoma 1 $ 276,000 $ 276,000 $ 92,000
Clackamas, Oregon 1 $ 417,000 $ 417,000 $ 215,000
Lane, Oregon 1 $ 160,000 $ 160,000 $ 48,000
Allegheny, Pennsylvania 1 $ 228,000 $ 228,000 $ 142,000
Centre, Pennsylvania 1 $ 126,000 $ 126,000 $ 67,000
Dauphin, Pennsylvania 1 $ 268,000 $ 268,000 $ 313,000
Delaware, Pennsylvania 1 $ 275,000 $ 275,000 $ 147,000
Lancaster, Pennsylvania 1 $ 20,000 $ 20,000 $ 24,000
Northampton, Pennsylvania 1 $ 462,000 $ 462,000 $ 166,000
Tioga, Pennsylvania 1 $ 5,000 $ 5,000 $ 102,000
Spartanburg, South Carolina 1 $ 10,000 $ 10,000 $ 43,000
Shelby, Tennessee 1 $ 126,000 $ 126,000 $ 74,000
Brazos, Texas 1 $ 75,000 $ 75,000 $ 117,000
Montgomery, Texas 1 $ 405,000 $ 405,000 $ 150,000
Williamson, Texas 1 $ 180,000 $ 180,000 $ 79,000
Washington, Vermont 1 $ 111,000 $ 111,000 $ 361,000
Chesapeake, Virginia 1 $ 321,000 $ 321,000 $ 175,000
Falls Church, Virginia 1 $ 600,000 $ 600,000 $ 145,000
Fauquier, Virginia 1 $ 134,000 $ 134,000 $ 77,000
Manassas Park, Virginia 1 $ 272,000 $ 272,000 $ 50,000
Nelson, Virginia 1 $ 255,000 $ 255,000 $ 141,000
Northumberland, Virginia 1 $ 180,000 $ 180,000 $ 145,000
Rappahannock, Virginia 1 $ 263,000 $ 263,000 $ 157,000
Stafford, Virginia 1 $ 308,000 $ 308,000 $ 116,000
Westmoreland, Virginia 1 $ 151,000 $ 151,000 $ 54,000
Benton, Washington 1 $ 375,000 $ 375,000 $ 103,000
Kitsap, Washington 1 $ 403,000 $ 403,000 $ 68,000

Mortgage Loan Application Detail Totals for United Nations Federal CU in 2015

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 1,052 $461,535,000 $438,000 $2,000,000 $165,000 $1,685,000
Refinancing 503 $207,034,000 $411,000 $1,915,000 $180,000 $1,312,000
Home Improvement 202 $23,082,000 $114,000 $2,600,000 $153,000 $636,000

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 756 $336,731,000 $445,000 $2,600,000 $185,000 $1,685,000
Asian 356 $148,162,000 $416,000 $1,995,000 $170,000 $726,000
Black or African American 292 $93,123,000 $318,000 $1,500,000 $151,000 $615,000
Not Provided 165 $44,565,000 $270,000 $1,650,000 $157,000 $398,000
Hispanic 138 $54,000,000 $391,000 $1,375,000 $165,000 $1,288,000
Not applicable 33 $12,511,000 $379,000 $1,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 10 $1,562,000 $156,000 $743,000 $139,000 $267,000
American Indian or Alaskan Native 7 $997,000 $142,000 $405,000 $142,000 $300,000

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) 1,757 $691,651,000 $393,000 $2,600,000 $168,000 $1,685,000
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 1,113 $449,741,000 $404,000 $2,600,000 $175,000 $1,608,000
Application Denied By Financial Institution 363 $138,777,000 $382,000 $1,750,000 $152,000 $456,000
Application Withdrawn By Applicant 185 $71,800,000 $388,000 $1,500,000 $180,000 $1,685,000
File Closed For Incompleteness 42 $9,699,000 $230,000 $1,000,000 $171,000 $569,000
Loan Purchased By The Institution 33 $12,511,000 $379,000 $1,000,000 $0 $0
Application Approved But Not Accepted 21 $9,123,000 $434,000 $1,375,000 $207,000 $1,288,000
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
Unverifiable Information 177 $76,311,000 $431,000 $1,500,000 $160,000 $456,000
Debt-To-Income Ratio 61 $24,088,000 $394,000 $1,750,000 $127,000 $422,000
Other 34 $6,329,000 $186,000 $900,000 $172,000 $365,000
Collateral 32 $10,817,000 $338,000 $1,000,000 $146,000 $264,000
Credit History 26 $6,372,000 $245,000 $1,000,000 $120,000 $396,000
Insufficient Cash (Downpayment, Closing Cost) 19 $7,884,000 $414,000 $810,000 $163,000 $303,000
Credit Application Incomplete 7 $3,700,000 $528,000 $1,500,000 $209,000 $333,000
Employment History 4 $1,845,000 $461,000 $755,000 $153,000 $235,000
Mortgage Insurance Denied 3 $1,431,000 $477,000 $616,000 $151,000 $192,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2015 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 CU'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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