United Nations Federal CU Mortgage Lending & HMDA Data, 2018
In 2018, United Nations Federal CU of Long Island City, NY reported 1,812 mortgage applications totaling $867.9 million, down 3% from 2017. The average application was for $478,973, and applicants reported an average income of $200,996. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (568), Washington-Arlington-Alexandria, DC-VA-MD-WV (450) and Silver Spring-Frederick-Rockville, MD (119) (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 | 1,812 |
| Total Mortgage Loan Application Amount | $867,900,000 |
| Average Mortgage Loan Application Amount | $478,973 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $200,996 |
| Highest Applicant Income | $5,286,000 |
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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| District of Columbia, District Of Columbia | 175 | $ 99,815,000 | $ 570,371 | $ 186,000 |
| New York, New York | 174 | $ 98,430,000 | $ 565,689 | $ 241,000 |
| Montgomery, Maryland | 118 | $ 67,120,000 | $ 568,813 | $ 232,000 |
| Kings, New York | 104 | $ 63,730,000 | $ 612,788 | $ 192,000 |
| Fairfax, Virginia | 98 | $ 58,190,000 | $ 593,775 | $ 209,000 |
| Queens, New York | 84 | $ 35,770,000 | $ 425,833 | $ 159,000 |
| Westchester, New York | 80 | $ 34,730,000 | $ 434,125 | $ 182,000 |
| Loudoun, Virginia | 76 | $ 37,030,000 | $ 487,236 | $ 167,000 |
| Osceola, Florida | 48 | $ 13,980,000 | $ 291,250 | $ 186,000 |
| Bergen, New Jersey | 41 | $ 16,485,000 | $ 402,073 | $ 268,000 |
| Arlington, Virginia | 39 | $ 15,465,000 | $ 396,538 | $ 171,000 |
| Nassau, New York | 27 | $ 11,475,000 | $ 425,000 | $ 160,000 |
| Hudson, New Jersey | 26 | $ 8,990,000 | $ 345,769 | $ 162,000 |
| Suffolk, New York | 25 | $ 12,325,000 | $ 493,000 | $ 221,000 |
| Los Angeles, California | 24 | $ 12,410,000 | $ 517,083 | $ 212,000 |
| Orange, Florida | 24 | $ 4,680,000 | $ 195,000 | $ 162,000 |
| Fairfield, Connecticut | 23 | $ 10,435,000 | $ 453,695 | $ 208,000 |
| Miami-Dade, Florida | 23 | $ 14,275,000 | $ 620,652 | $ 300,000 |
| Middlesex, New Jersey | 22 | $ 6,650,000 | $ 302,272 | $ 151,000 |
| Prince William, Virginia | 19 | $ 6,665,000 | $ 350,789 | $ 105,000 |
| Prince George's, Maryland | 18 | $ 8,440,000 | $ 468,888 | $ 167,000 |
| Polk, Florida | 14 | $ 3,600,000 | $ 257,142 | $ 137,000 |
| Bronx, New York | 14 | $ 4,580,000 | $ 327,142 | $ 125,000 |
| Alexandria, Virginia | 14 | $ 5,060,000 | $ 361,428 | $ 163,000 |
| Broward, Florida | 13 | $ 3,205,000 | $ 246,538 | $ 187,000 |
| King, Washington | 13 | $ 7,085,000 | $ 545,000 | $ 206,000 |
| Palm Beach, Florida | 12 | $ 4,120,000 | $ 343,333 | $ 175,000 |
| Essex, New Jersey | 12 | $ 5,330,000 | $ 444,166 | $ 191,000 |
| Dare, North Carolina | 11 | $ 16,665,000 | $ 1,515,000 | $ 704,000 |
| Fulton, Georgia | 10 | $ 5,040,000 | $ 504,000 | $ 358,000 |
| Baltimore City, Maryland | 9 | $ 1,725,000 | $ 191,666 | $ 189,000 |
| Morris, New Jersey | 9 | $ 3,635,000 | $ 403,888 | $ 186,000 |
| Richmond, New York | 9 | $ 3,555,000 | $ 395,000 | $ 112,000 |
| Wake, North Carolina | 9 | $ 2,695,000 | $ 299,444 | $ 103,000 |
| Orange, California | 8 | $ 4,280,000 | $ 535,000 | $ 141,000 |
| Union, New Jersey | 8 | $ 2,010,000 | $ 251,250 | $ 167,000 |
| Dallas, Texas | 8 | $ 3,560,000 | $ 445,000 | $ 214,000 |
| Henry, Georgia | 7 | $ 885,000 | $ 126,428 | $ 79,000 |
| Middlesex, Massachusetts | 7 | $ 2,965,000 | $ 423,571 | $ 196,000 |
| Clark, Nevada | 7 | $ 3,675,000 | $ 525,000 | $ 537,000 |
| Santa Clara, California | 6 | $ 6,050,000 | $ 1,008,333 | $ 286,000 |
| Rockland, New York | 6 | $ 2,060,000 | $ 343,333 | $ 154,000 |
| Ulster, New York | 6 | $ 1,820,000 | $ 303,333 | $ 184,000 |
| Canadian, Oklahoma | 6 | $ 650,000 | $ 108,333 | $ 135,000 |
| Tarrant, Texas | 6 | $ 1,510,000 | $ 251,666 | $ 236,000 |
| Riverside, California | 5 | $ 1,645,000 | $ 329,000 | $ 153,000 |
| Collier, Florida | 5 | $ 2,775,000 | $ 555,000 | $ 518,000 |
| Hillsborough, Florida | 5 | $ 1,935,000 | $ 387,000 | $ 372,000 |
| Pinellas, Florida | 5 | $ 3,605,000 | $ 721,000 | $ 173,000 |
| Suffolk, Massachusetts | 5 | $ 4,405,000 | $ 881,000 | $ 384,000 |
| Monmouth, New Jersey | 5 | $ 2,215,000 | $ 443,000 | $ 181,000 |
| Dutchess, New York | 5 | $ 1,275,000 | $ 255,000 | $ 104,000 |
| Lehigh, Pennsylvania | 5 | $ 1,105,000 | $ 221,000 | $ 144,000 |
| Providence, Rhode Island | 5 | $ 1,405,000 | $ 281,000 | $ 110,000 |
| Fort Bend, Texas | 5 | $ 1,575,000 | $ 315,000 | $ 132,000 |
| Salt Lake, Utah | 5 | $ 1,775,000 | $ 355,000 | $ 102,000 |
| Maricopa, Arizona | 4 | $ 1,080,000 | $ 270,000 | $ 73,000 |
| San Diego, California | 4 | $ 2,600,000 | $ 650,000 | $ 164,000 |
| San Francisco, California | 4 | $ 6,400,000 | $ 1,600,000 | $ 1,301,000 |
| Arapahoe, Colorado | 4 | $ 1,620,000 | $ 405,000 | $ 148,000 |
| New Castle, Delaware | 4 | $ 1,070,000 | $ 267,500 | $ 62,000 |
| Erie, New York | 4 | $ 1,620,000 | $ 405,000 | $ 122,000 |
| Putnam, New York | 4 | $ 1,600,000 | $ 400,000 | $ 161,000 |
| Charleston, South Carolina | 4 | $ 1,640,000 | $ 410,000 | $ 270,000 |
| Travis, Texas | 4 | $ 2,050,000 | $ 512,500 | $ 147,000 |
| Sarasota, Florida | 3 | $ 3,075,000 | $ 1,025,000 | $ 229,000 |
| Gwinnett, Georgia | 3 | $ 465,000 | $ 155,000 | $ 84,000 |
| Cook, Illinois | 3 | $ 315,000 | $ 105,000 | $ 109,000 |
| Howard, Maryland | 3 | $ 1,335,000 | $ 445,000 | $ 185,000 |
| Hennepin, Minnesota | 3 | $ 865,000 | $ 288,333 | $ 169,000 |
| Mercer, New Jersey | 3 | $ 465,000 | $ 155,000 | $ 127,000 |
| Durham, North Carolina | 3 | $ 785,000 | $ 261,666 | $ 171,000 |
| Cuyahoga, Ohio | 3 | $ 975,000 | $ 325,000 | $ 204,000 |
| Oklahoma, Oklahoma | 3 | $ 445,000 | $ 148,333 | $ 192,000 |
| Multnomah, Oregon | 3 | $ 1,105,000 | $ 368,333 | $ 175,000 |
| Chester, Pennsylvania | 3 | $ 705,000 | $ 235,000 | $ 89,000 |
| Philadelphia, Pennsylvania | 3 | $ 555,000 | $ 185,000 | $ 82,000 |
| Collin, Texas | 3 | $ 1,355,000 | $ 451,666 | $ 181,000 |
| Alameda, California | 2 | $ 1,430,000 | $ 715,000 | $ 276,000 |
| Contra Costa, California | 2 | $ 1,990,000 | $ 995,000 | $ 143,000 |
| Marin, California | 2 | $ 1,210,000 | $ 605,000 | $ 309,000 |
| Sacramento, California | 2 | $ 890,000 | $ 445,000 | $ 105,000 |
| San Mateo, California | 2 | $ 2,270,000 | $ 1,135,000 | $ 320,000 |
| Ventura, California | 2 | $ 3,450,000 | $ 1,725,000 | $ 274,000 |
| Yuba, California | 2 | $ 530,000 | $ 265,000 | $ 143,000 |
| Eagle, Colorado | 2 | $ 1,230,000 | $ 615,000 | $ 141,000 |
| Jefferson, Colorado | 2 | $ 920,000 | $ 460,000 | $ 113,000 |
| New Haven, Connecticut | 2 | $ 660,000 | $ 330,000 | $ 85,000 |
| Indian River, Florida | 2 | $ 1,710,000 | $ 855,000 | $ 332,000 |
| Lee, Florida | 2 | $ 440,000 | $ 220,000 | $ 172,000 |
| Monroe, Florida | 2 | $ 2,250,000 | $ 1,125,000 | $ 440,000 |
| Seminole, Florida | 2 | $ 2,410,000 | $ 1,205,000 | $ 505,000 |
| Chatham, Georgia | 2 | $ 2,000,000 | $ 1,000,000 | $ 521,000 |
| Marion, Indiana | 2 | $ 210,000 | $ 105,000 | $ 196,000 |
| Anne Arundel, Maryland | 2 | $ 880,000 | $ 440,000 | $ 161,000 |
| Baltimore, Maryland | 2 | $ 510,000 | $ 255,000 | $ 77,000 |
| Charles, Maryland | 2 | $ 680,000 | $ 340,000 | $ 113,000 |
| Norfolk, Massachusetts | 2 | $ 800,000 | $ 400,000 | $ 154,000 |
| Hillsborough, New Hampshire | 2 | $ 570,000 | $ 285,000 | $ 156,000 |
| Ocean, New Jersey | 2 | $ 810,000 | $ 405,000 | $ 162,000 |
| Somerset, New Jersey | 2 | $ 450,000 | $ 225,000 | $ 92,000 |
| Delaware, New York | 2 | $ 290,000 | $ 145,000 | $ 290,000 |
| Franklin, Ohio | 2 | $ 320,000 | $ 160,000 | $ 103,000 |
| Monroe, Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 157,000 |
| Montgomery, Pennsylvania | 2 | $ 910,000 | $ 455,000 | $ 222,000 |
| Pike, Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 113,000 |
| Harris, Texas | 2 | $ 420,000 | $ 210,000 | $ 115,000 |
| Smith, Texas | 2 | $ 270,000 | $ 135,000 | $ 68,000 |
| Williamson, Texas | 2 | $ 260,000 | $ 130,000 | $ 86,000 |
| Falls Church, Virginia | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Fauquier, Virginia | 2 | $ 830,000 | $ 415,000 | $ 213,000 |
| James City, Virginia | 2 | $ 740,000 | $ 370,000 | $ 257,000 |
| Clallam, Washington | 2 | $ 1,980,000 | $ 990,000 | $ 157,000 |
| Kitsap, Washington | 2 | $ 1,310,000 | $ 655,000 | $ 215,000 |
| El Dorado, California | 1 | $ 1,195,000 | $ 1,195,000 | $ 547,000 |
| Monterey, California | 1 | $ 175,000 | $ 175,000 | $ 162,000 |
| Napa, California | 1 | $ 715,000 | $ 715,000 | $ 170,000 |
| San Bernardino, California | 1 | $ 365,000 | $ 365,000 | $ 128,000 |
| San Joaquin, California | 1 | $ 145,000 | $ 145,000 | $ 136,000 |
| Sonoma, California | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Yolo, California | 1 | $ 625,000 | $ 625,000 | $ 116,000 |
| Denver, Colorado | 1 | $ 125,000 | $ 125,000 | $ 208,000 |
| Larimer, Colorado | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Mesa, Colorado | 1 | $ 255,000 | $ 255,000 | $ 153,000 |
| Litchfield, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 314,000 |
| New London, Connecticut | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Kent, Delaware | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Sussex, Delaware | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Alachua, Florida | 1 | $ 215,000 | $ 215,000 | $ 213,000 |
| Brevard, Florida | 1 | $ 375,000 | $ 375,000 | $ 241,000 |
| Charlotte, Florida | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Duval, Florida | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Flagler, Florida | 1 | $ 245,000 | $ 245,000 | $ 170,000 |
| Lake, Florida | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Manatee, Florida | 1 | $ 505,000 | $ 505,000 | $ 427,000 |
| Marion, Florida | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Nassau, Florida | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Pasco, Florida | 1 | $ 85,000 | $ 85,000 | $ 290,000 |
| St. Johns, Florida | 1 | $ 635,000 | $ 635,000 | $ 391,000 |
| Clayton, Georgia | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| DeKalb, Georgia | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Paulding, Georgia | 1 | $ 205,000 | $ 205,000 | $ 154,000 |
| Maui, Hawaii | 1 | $ 2,305,000 | $ 2,305,000 | $ 597,000 |
| DuPage, Illinois | 1 | $ 185,000 | $ 185,000 | $ 155,000 |
| McLean, Illinois | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Hendricks, Indiana | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
| Johnson, Kansas | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Frederick, Maryland | 1 | $ 475,000 | $ 475,000 | $ 124,000 |
| Harford, Maryland | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Berkshire, Massachusetts | 1 | $ 245,000 | $ 245,000 | $ 294,000 |
| Hampden, Massachusetts | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Plymouth, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 131,000 |
| Oakland, Michigan | 1 | $ 285,000 | $ 285,000 | $ 177,000 |
| Washtenaw, Michigan | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Ramsey, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 338,000 |
| Washington, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Missoula, Montana | 1 | $ 505,000 | $ 505,000 | $ 242,000 |
| Hunterdon, New Jersey | 1 | $ 115,000 | $ 115,000 | $ 125,000 |
| Passaic, New Jersey | 1 | $ 475,000 | $ 475,000 | $ 199,000 |
| Bernalillo, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Taos, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Niagara, New York | 1 | $ 85,000 | $ 85,000 | $ 153,000 |
| Rensselaer, New York | 1 | $ 205,000 | $ 205,000 | $ 300,000 |
| Sullivan, New York | 1 | $ 95,000 | $ 95,000 | $ 166,000 |
| Tompkins, New York | 1 | $ 245,000 | $ 245,000 | $ 152,000 |
| Washington, New York | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| Buncombe, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 149,000 |
| Chatham, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 131,000 |
| Guilford, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Lincoln, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| Mecklenburg, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 64,000 |
| Orange, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Delaware, Ohio | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Payne, Oklahoma | 1 | $ 615,000 | $ 615,000 | $ 269,000 |
| Tulsa, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Clackamas, Oregon | 1 | $ 795,000 | $ 795,000 | $ 276,000 |
| Douglas, Oregon | 1 | $ 695,000 | $ 695,000 | $ 450,000 |
| Centre, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| Cumberland, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Northampton, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Newport, Rhode Island | 1 | $ 3,005,000 | $ 3,005,000 | $ 1,296,000 |
| Washington, Rhode Island | 1 | $ 265,000 | $ 265,000 | $ 210,000 |
| York, South Carolina | 1 | $ 335,000 | $ 335,000 | $ 165,000 |
| Fayette, Tennessee | 1 | $ 695,000 | $ 695,000 | $ 294,000 |
| Knox, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Bexar, Texas | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Brazos, Texas | 1 | $ 385,000 | $ 385,000 | $ 181,000 |
| Denton, Texas | 1 | $ 525,000 | $ 525,000 | $ 108,000 |
| Hidalgo, Texas | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Jefferson, Texas | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| McLennan, Texas | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Montgomery, Texas | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Parker, Texas | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Summit, Utah | 1 | $ 1,065,000 | $ 1,065,000 | $ 1,434,000 |
| Addison, Vermont | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| Caroline, Virginia | 1 | $ 145,000 | $ 145,000 | $ 155,000 |
| Chesterfield, Virginia | 1 | $ 715,000 | $ 715,000 | $ 305,000 |
| Clarke, Virginia | 1 | $ 185,000 | $ 185,000 | $ 196,000 |
| Fairfax City, Virginia | 1 | $ 375,000 | $ 375,000 | $ 71,000 |
| Fredericksburg, Virginia | 1 | $ 265,000 | $ 265,000 | $ 203,000 |
| Hampton, Virginia | 1 | $ 45,000 | $ 45,000 | $ 99,000 |
| Hanover, Virginia | 1 | $ 535,000 | $ 535,000 | $ 150,000 |
| Stafford, Virginia | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Chelan, Washington | 1 | $ 475,000 | $ 475,000 | $ 179,000 |
| Island, Washington | 1 | $ 595,000 | $ 595,000 | $ 145,000 |
| Berkeley, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 264,000 |
| Jefferson, West Virginia | 1 | $ 285,000 | $ 285,000 | $ 143,000 |
| Ashland, Wisconsin | 1 | $ 585,000 | $ 585,000 | $ 343,000 |
| Dane, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for United Nations Federal CU in 2018
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 | 1,309 | $597,905,000 | $456,000 | $3,505,000 | $192,000 | $5,286,000 |
| Cash-out Refinancing | 284 | $150,880,000 | $531,000 | $3,305,000 | $211,000 | $2,217,000 |
| Refinancing | 209 | $117,645,000 | $562,000 | $3,305,000 | $246,000 | $2,360,000 |
| Other Purpose | 9 | $465,000 | $51,000 | $105,000 | $128,000 | $340,000 |
| Home Improvement | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $387,000 | $387,000 |
| 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 | 710 | $393,200,000 | $553,000 | $3,505,000 | $226,000 | $5,286,000 |
| Asian | 472 | $213,830,000 | $453,000 | $3,305,000 | $204,000 | $5,000,000 |
| Black or African American | 248 | $94,520,000 | $381,000 | $1,665,000 | $148,000 | $524,000 |
| Not Provided | 185 | $83,105,000 | $449,000 | $1,775,000 | $207,000 | $1,429,000 |
| Hispanic | 103 | $42,035,000 | $408,000 | $1,365,000 | $159,000 | $804,000 |
| Not applicable | 21 | $9,365,000 | $445,000 | $1,025,000 | $180,000 | $331,000 |
| American Indian or Alaskan Native | 5 | $1,085,000 | $217,000 | $285,000 | $121,000 | $272,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $335,000 | $335,000 | $335,000 | $209,000 | $209,000 |
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) | 1,811 | $867,245,000 | $478,000 | $3,505,000 | $201,000 | $5,286,000 |
| FHA-insured (Federal Housing Administration) | 1 | $655,000 | $655,000 | $655,000 | $200,000 | $200,000 |
| 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 | 1,240 | $576,990,000 | $465,000 | $2,625,000 | $191,000 | $2,381,000 |
| Application Withdrawn By Applicant | 292 | $146,290,000 | $500,000 | $3,505,000 | $238,000 | $5,286,000 |
| Application Denied By Financial Institution | 205 | $110,645,000 | $539,000 | $3,305,000 | $180,000 | $2,360,000 |
| File Closed For Incompleteness | 29 | $13,825,000 | $476,000 | $1,755,000 | $339,000 | $5,000,000 |
| Application Approved But Not Accepted | 26 | $11,490,000 | $441,000 | $2,035,000 | $273,000 | $2,381,000 |
| Loan Purchased By The Institution | 20 | $8,660,000 | $433,000 | $1,025,000 | $183,000 | $331,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,607 | $757,255,000 | $471,000 | $3,505,000 | $204,000 | $5,286,000 |
| Debt-To-Income Ratio | 73 | $44,155,000 | $604,000 | $2,805,000 | $125,000 | $493,000 |
| Collateral | 38 | $18,360,000 | $483,000 | $945,000 | $253,000 | $2,360,000 |
| Unverifiable Information | 26 | $11,120,000 | $427,000 | $1,495,000 | $176,000 | $434,000 |
| Credit History | 20 | $9,520,000 | $476,000 | $1,065,000 | $160,000 | $349,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $10,280,000 | $514,000 | $1,385,000 | $182,000 | $506,000 |
| Other | 16 | $12,780,000 | $798,000 | $3,305,000 | $329,000 | $2,217,000 |
| Employment History | 8 | $2,740,000 | $342,000 | $955,000 | $112,000 | $254,000 |
| Credit Application Incomplete | 2 | $1,030,000 | $515,000 | $575,000 | $170,000 | $213,000 |
| Mortgage Insurance Denied | 2 | $660,000 | $330,000 | $385,000 | $110,000 | $130,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2018 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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