United Nations Federal CU Mortgage Lending & HMDA Data, 2025
In 2025, United Nations Federal CU of Long Island City, NY reported 2,174 mortgage applications totaling $1.4 billion, up 8% from 2024. The average application was for $624,066, and applicants reported an average income of $323,679. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (428), New York-Jersey City-White Plains, NY-NJ (368) and Cambridge-Newton-Framingham, MA (134) (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 | 2,174 |
| Total Mortgage Loan Application Amount | $1,356,720,000 |
| Average Mortgage Loan Application Amount | $624,066 |
| Highest Mortgage Loan Application Amount | $2,175,000 |
| Average Applicant Income | $323,679 |
| Highest Applicant Income | $9,698,000 |
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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Arlington-Alexandria-Reston, VA-WV | 428 | $ 331,830,000 | $ 775,303 | $ 398,775 |
| New York-Jersey City-White Plains, NY-NJ | 368 | $ 205,470,000 | $ 558,342 | $ 284,953 |
| Cambridge-Newton-Framingham, MA | 134 | $ 113,330,000 | $ 845,746 | $ 381,000 |
| Lakewood-New Brunswick, NJ | 106 | $ 60,100,000 | $ 566,981 | $ 316,000 |
| Washington-Baltimore-Arlington, DC | 104 | $ 62,930,000 | $ 605,096 | $ 238,000 |
| Newark, NJ-PA | 80 | $ 55,180,000 | $ 689,750 | $ 311,000 |
| Washington, DC-MD | 68 | $ 41,310,000 | $ 607,500 | $ 289,294 |
| Outside any metro area | 59 | $ 31,015,000 | $ 525,677 | $ 372,586 |
| Boston, MA | 51 | $ 33,125,000 | $ 649,509 | $ 312,000 |
| Atlanta-Sandy Springs-Roswell, GA | 49 | $ 29,475,000 | $ 601,530 | $ 241,000 |
| Baltimore-Columbia-Towson, MD | 49 | $ 26,225,000 | $ 535,204 | $ 249,000 |
| Nassau County-Suffolk County, NY | 39 | $ 28,885,000 | $ 740,641 | $ 265,000 |
| Raleigh, NC | 33 | $ 14,255,000 | $ 431,969 | $ 336,000 |
| Richmond, VA | 32 | $ 13,460,000 | $ 420,625 | $ 306,000 |
| Trenton, NJ | 30 | $ 18,110,000 | $ 603,666 | $ 231,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 12,875,000 | $ 443,965 | $ 197,000 |
| Seattle-Bellevue-Everett, WA | 27 | $ 25,585,000 | $ 947,592 | $ 310,000 |
| Dallas-Plano-Irving, TX | 21 | $ 9,315,000 | $ 443,571 | $ 228,000 |
| Providence-Warwick, RI-MA | 19 | $ 12,965,000 | $ 682,368 | $ 474,789 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 21,015,000 | $ 1,106,052 | $ 463,000 |
| Hagerstown-Martinsburg, MD-WV | 16 | $ 3,860,000 | $ 241,250 | $ 314,937 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 12,290,000 | $ 877,857 | $ 684,000 |
| Wilmington, NC | 14 | $ 6,360,000 | $ 454,285 | $ 228,000 |
| Winchester, VA-WV | 14 | $ 5,120,000 | $ 365,714 | $ 493,000 |
| Camden, NJ | 13 | $ 6,565,000 | $ 505,000 | $ 238,000 |
| Chicago-Naperville, IL | 13 | $ 6,315,000 | $ 485,769 | $ 303,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 7,495,000 | $ 576,538 | $ 288,307 |
| Atlantic City-Hammonton, NJ | 11 | $ 6,845,000 | $ 622,272 | $ 399,000 |
| Charlottesville, VA | 11 | $ 3,635,000 | $ 330,454 | $ 645,000 |
| Jacksonville, FL | 11 | $ 5,965,000 | $ 542,272 | $ 287,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 5,505,000 | $ 500,454 | $ 223,000 |
| Tampa, FL | 11 | $ 5,065,000 | $ 460,454 | $ 235,000 |
| Barnstable Town, MA | 9 | $ 6,075,000 | $ 675,000 | $ 308,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 2,865,000 | $ 318,333 | $ 250,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 6,270,000 | $ 783,750 | $ 384,000 |
| Durham-Chapel Hill, NC | 8 | $ 3,740,000 | $ 467,500 | $ 245,000 |
| Everett, WA | 8 | $ 7,080,000 | $ 885,000 | $ 551,000 |
| Worcester, MA-CT | 8 | $ 3,850,000 | $ 481,250 | $ 317,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 2,615,000 | $ 373,571 | $ 214,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 2,360,000 | $ 393,333 | $ 224,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 850,000 | $ 141,666 | $ 480,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 2,860,000 | $ 476,666 | $ 182,000 |
| York-Hanover, PA | 6 | $ 1,390,000 | $ 231,666 | $ 329,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 5,015,000 | $ 1,003,000 | $ 336,000 |
| Austin-Round Rock, TX | 5 | $ 1,555,000 | $ 311,000 | $ 235,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 3,595,000 | $ 719,000 | $ 394,000 |
| Harrisburg-Carlisle, PA | 5 | $ 1,435,000 | $ 287,000 | $ 149,000 |
| Marietta, GA | 5 | $ 3,215,000 | $ 643,000 | $ 274,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 4,355,000 | $ 871,000 | $ 704,000 |
| Philadelphia, PA | 5 | $ 1,555,000 | $ 311,000 | $ 155,000 |
| Portland-South Portland, ME | 5 | $ 2,785,000 | $ 557,000 | $ 525,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 4,885,000 | $ 977,000 | $ 326,000 |
| Savannah, GA | 5 | $ 1,595,000 | $ 319,000 | $ 705,000 |
| Wilmington, DE-MD-NJ | 5 | $ 2,325,000 | $ 465,000 | $ 276,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,590,000 | $ 397,500 | $ 271,000 |
| Fort Worth-Arlington, TX | 4 | $ 900,000 | $ 225,000 | $ 142,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 4 | $ 1,620,000 | $ 405,000 | $ 223,000 |
| Lexington Park, MD | 4 | $ 2,510,000 | $ 627,500 | $ 292,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,580,000 | $ 895,000 | $ 259,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,160,000 | $ 290,000 | $ 308,000 |
| Manchester-Nashua, NH | 4 | $ 2,180,000 | $ 545,000 | $ 247,000 |
| San Diego-Carlsbad, CA | 4 | $ 4,280,000 | $ 1,070,000 | $ 316,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 735,000 | $ 245,000 | $ 105,000 |
| Charleston-North Charleston, SC | 3 | $ 3,405,000 | $ 1,135,000 | $ 398,000 |
| Dover, DE | 3 | $ 1,255,000 | $ 418,333 | $ 185,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 2,105,000 | $ 701,666 | $ 254,000 |
| Greensboro-High Point, NC | 3 | $ 715,000 | $ 238,333 | $ 414,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 935,000 | $ 311,666 | $ 157,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,515,000 | $ 505,000 | $ 194,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,805,000 | $ 601,666 | $ 594,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 515,000 | $ 171,666 | $ 94,000 |
| Norwich-New London, CT | 3 | $ 755,000 | $ 251,666 | $ 152,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,325,000 | $ 441,666 | $ 164,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 875,000 | $ 291,666 | $ 191,000 |
| Reno, NV | 3 | $ 1,445,000 | $ 481,666 | $ 557,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 1,145,000 | $ 381,666 | $ 152,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 630,000 | $ 315,000 | $ 346,000 |
| Cincinnati, OH-KY-IN | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Knoxville, TN | 2 | $ 610,000 | $ 305,000 | $ 213,000 |
| Memphis, TN-MS-AR | 2 | $ 530,000 | $ 265,000 | $ 122,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 410,000 | $ 205,000 | $ 1,474,000 |
| Punta Gorda, FL | 2 | $ 460,000 | $ 230,000 | $ 145,000 |
| Spartanburg, SC | 2 | $ 480,000 | $ 240,000 | $ 199,000 |
| Springfield, MA | 2 | $ 990,000 | $ 495,000 | $ 476,000 |
| St. Louis, MO-IL | 2 | $ 860,000 | $ 430,000 | $ 203,000 |
| Tulsa, OK | 2 | $ 850,000 | $ 425,000 | $ 110,000 |
| Urban Honolulu, HI | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 940,000 | $ 470,000 | $ 111,000 |
| Amherst Town-Northampton, MA | 1 | $ 615,000 | $ 615,000 | $ 205,000 |
| Ann Arbor, MI | 1 | $ 505,000 | $ 505,000 | $ 225,000 |
| Asheville, NC | 1 | $ 265,000 | $ 265,000 | $ 364,000 |
| Athens-Clarke County, GA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 1,505,000 | $ 1,505,000 | $ 325,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 285,000 | $ 285,000 | $ 38,000 |
| Burlington, NC | 1 | $ 505,000 | $ 505,000 | $ 244,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Cleveland, OH | 1 | $ 385,000 | $ 385,000 | $ 116,000 |
| College Station-Bryan, TX | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Colorado Springs, CO | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Columbia, SC | 1 | $ 685,000 | $ 685,000 | $ 195,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 475,000 | $ 475,000 | $ 166,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 265,000 | $ 265,000 | $ 131,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 359,000 |
| Elgin, IL | 1 | $ 645,000 | $ 645,000 | $ 173,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 365,000 | $ 365,000 | $ 237,000 |
| Glens Falls, NY | 1 | $ 145,000 | $ 145,000 | $ 193,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 218,000 |
| Harrisonburg, VA | 1 | $ 1,105,000 | $ 1,105,000 | $ 217,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 445,000 | $ 445,000 | $ 134,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 925,000 | $ 925,000 | $ 515,000 |
| Lafayette-West Lafayette, IN | 1 | $ 345,000 | $ 345,000 | $ 170,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Lexington-Fayette, KY | 1 | $ 215,000 | $ 215,000 | $ 283,000 |
| Lynchburg, VA | 1 | $ 215,000 | $ 215,000 | $ 364,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 765,000 | $ 765,000 | $ 205,000 |
| Morgantown, WV | 1 | $ 245,000 | $ 245,000 | $ 209,000 |
| New Haven-Milford, CT | 1 | $ 505,000 | $ 505,000 | $ 182,000 |
| Ogden-Clearfield, UT | 1 | $ 1,035,000 | $ 1,035,000 | $ 352,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 215,000 | $ 215,000 | $ 333,000 |
| Pittsfield, MA | 1 | $ 485,000 | $ 485,000 | $ 334,000 |
| Port St. Lucie, FL | 1 | $ 175,000 | $ 175,000 | $ 166,000 |
| Reading, PA | 1 | $ 95,000 | $ 95,000 | $ 145,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 785,000 | $ 785,000 | $ 219,000 |
| Rochester, MN | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Rochester, NY | 1 | $ 55,000 | $ 55,000 | $ 241,000 |
| Rocky Mount, NC | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| San Antonio-New Braunfels, TX | 1 | $ 235,000 | $ 235,000 | $ 275,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Staunton-Waynesboro, VA | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Stockton-Lodi, CA | 1 | $ 675,000 | $ 675,000 | $ 154,000 |
| Waterbury-Shelton, CT | 1 | $ 765,000 | $ 765,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for United Nations Federal CU in 2025
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 | 1,350 | $795,590,000 | $589,000 | $2,175,000 | $273,000 | $4,085,000 |
| Refinancing | 663 | $489,545,000 | $738,000 | $2,105,000 | $407,000 | $9,698,000 |
| Cash-out Refinancing | 119 | $57,705,000 | $484,000 | $1,655,000 | $426,000 | $8,732,000 |
| Other Purpose | 38 | $13,020,000 | $342,000 | $1,465,000 | $357,000 | $3,156,000 |
| Home Improvement | 4 | $860,000 | $215,000 | $315,000 | $257,000 | $334,000 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 1,095 | $722,135,000 | $659,000 | $1,985,000 | $336,000 | $9,698,000 |
| White | 466 | $276,840,000 | $594,000 | $2,105,000 | $293,000 | $2,608,000 |
| Not Provided | 375 | $237,655,000 | $633,000 | $2,175,000 | $385,000 | $6,846,000 |
| Black or African American | 143 | $65,855,000 | $460,000 | $1,835,000 | $225,000 | $2,506,000 |
| Hispanic | 88 | $51,200,000 | $581,000 | $1,745,000 | $233,000 | $949,000 |
| American Indian or Alaskan Native | 6 | $1,910,000 | $318,000 | $635,000 | $172,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,174 | $1,356,720,000 | $624,000 | $2,175,000 | $323,000 | $9,698,000 |
| 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 | 1,493 | $953,235,000 | $638,000 | $2,175,000 | $273,000 | $2,225,000 |
| Application Withdrawn By Applicant | 376 | $221,680,000 | $589,000 | $1,795,000 | $431,000 | $6,296,000 |
| Application Denied By Financial Institution | 192 | $110,150,000 | $573,000 | $1,755,000 | $334,000 | $4,550,000 |
| File Closed For Incompleteness | 92 | $59,150,000 | $642,000 | $1,565,000 | $705,000 | $9,698,000 |
| Loan Purchased By The Institution | 15 | $8,395,000 | $559,000 | $1,835,000 | $281,000 | $680,000 |
| Application Approved But Not Accepted | 6 | $4,110,000 | $685,000 | $1,075,000 | $242,000 | $346,000 |
| 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 | 1,982 | $1,246,570,000 | $628,000 | $2,175,000 | $322,000 | $9,698,000 |
| Debt-To-Income Ratio | 76 | $51,490,000 | $677,000 | $1,755,000 | $179,000 | $424,000 |
| Collateral | 38 | $16,480,000 | $433,000 | $1,505,000 | $374,000 | $4,232,000 |
| Credit History | 31 | $16,505,000 | $532,000 | $1,255,000 | $709,000 | $4,550,000 |
| Unverifiable Information | 26 | $15,730,000 | $605,000 | $1,595,000 | $305,000 | $2,193,000 |
| Other | 10 | $5,850,000 | $585,000 | $1,005,000 | $462,000 | $2,513,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,550,000 | $318,000 | $645,000 | $153,000 | $258,000 |
| Credit Application Incomplete | 2 | $1,020,000 | $510,000 | $605,000 | $195,000 | $202,000 |
| Employment History | 1 | $525,000 | $525,000 | $525,000 | $7,000 | $7,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2025 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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