United Nations Federal CU Mortgage Lending & HMDA Data, 2009
In 2009, United Nations Federal CU of Long Island City, NY reported 1,058 mortgage applications totaling $327.7 million, down 24% from 2008. The average application was for $309,732, and applicants reported an average income of $148,279. 63% of its applications resulted in an originated loan and 12% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (562), Nassau-Suffolk, NY (64) and Newark-Union, NJ-PA (36) (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 | 1,058 |
| Total Mortgage Loan Application Amount | $327,697,000 |
| Average Mortgage Loan Application Amount | $309,732 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $148,279 |
| Highest Applicant Income | $1,665,000 |
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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 562 | $ 193,103,000 | $ 343,599 | $ 159,781 |
| Nassau-Suffolk, NY | 64 | $ 17,464,000 | $ 272,875 | $ 134,000 |
| Newark-Union, NJ-PA | 36 | $ 9,742,000 | $ 270,611 | $ 133,055 |
| Edison-New Brunswick, NJ | 33 | $ 7,817,000 | $ 236,878 | $ 131,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 25 | $ 5,749,000 | $ 229,960 | $ 139,400 |
| Bridgeport-Stamford-Norwalk, CT | 13 | $ 5,023,000 | $ 386,384 | $ 162,000 |
| Orlando-Kissimmee, FL | 9 | $ 1,215,000 | $ 135,000 | $ 128,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,551,000 | $ 221,571 | $ 181,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 7 | $ 1,507,000 | $ 215,285 | $ 120,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 518,000 | $ 103,600 | $ 50,000 |
| Baltimore-Towson, MD | 5 | $ 910,000 | $ 182,000 | $ 127,000 |
| Bethesda-Frederick-Rockville, MD | 5 | $ 1,978,000 | $ 395,600 | $ 110,000 |
| Boston-Quincy, MA | 5 | $ 1,141,000 | $ 228,200 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,304,000 | $ 260,800 | $ 183,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 950,000 | $ 237,500 | $ 133,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,235,000 | $ 308,750 | $ 135,000 |
| Dallas-Plano-Irving, TX | 4 | $ 682,000 | $ 170,500 | $ 185,000 |
| Kingston, NY | 4 | $ 534,000 | $ 133,500 | $ 76,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,768,000 | $ 442,000 | $ 187,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 303,000 | $ 101,000 | $ 97,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 652,000 | $ 217,333 | $ 88,000 |
| Lakeland-Winter Haven, FL | 3 | $ 519,000 | $ 173,000 | $ 71,000 |
| Las Vegas-Paradise, NV | 3 | $ 427,000 | $ 142,333 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 388,000 | $ 129,333 | $ 172,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 920,000 | $ 306,666 | $ 85,000 |
| Rockingham County-Strafford County, NH | 3 | $ 680,000 | $ 226,666 | $ 171,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,870,000 | $ 623,333 | $ 235,000 |
| Trenton-Ewing, NJ | 3 | $ 1,152,000 | $ 384,000 | $ 149,000 |
| Ann Arbor, MI | 2 | $ 384,000 | $ 192,000 | $ 117,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 704,000 | $ 352,000 | $ 119,000 |
| Dover, DE | 2 | $ 166,000 | $ 83,000 | $ 130,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 207,000 | $ 103,500 | $ 127,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 101,000 | $ 50,500 | $ 107,000 |
| Philadelphia, PA | 2 | $ 569,000 | $ 284,500 | $ 144,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 387,000 | $ 193,500 | $ 92,000 |
| Rochester, NY | 2 | $ 148,000 | $ 74,000 | $ 50,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 940,000 | $ 470,000 | $ 156,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 423,000 | $ 211,500 | $ 98,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 148,000 | $ 148,000 | $ 119,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 91,000 | $ 91,000 | $ 74,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 276,000 | $ 276,000 | $ 216,000 |
| Columbia, MO | 1 | $ 80,000 | $ 80,000 | $ 105,000 |
| Columbus, OH | 1 | $ 90,000 | $ 90,000 | $ 188,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 13,000 | $ 13,000 | $ 47,000 |
| Duluth, MN-WI | 1 | $ 200,000 | $ 200,000 | $ 310,000 |
| Fort Collins-Loveland, CO | 1 | $ 165,000 | $ 165,000 | $ 204,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 152,000 | $ 152,000 | $ 126,000 |
| Indianapolis-Carmel, IN | 1 | $ 164,000 | $ 164,000 | $ 131,000 |
| Jacksonville, FL | 1 | $ 256,000 | $ 256,000 | $ 67,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 415,000 | $ 415,000 | $ 56,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 260,000 | $ 260,000 | $ 63,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Naples-Marco Island, FL | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| New Haven-Milford, CT | 1 | $ 310,000 | $ 310,000 | $ 179,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 260,000 | $ 260,000 | $ 180,000 |
| Ocean City, NJ | 1 | $ 214,000 | $ 214,000 | $ 121,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 132,000 | $ 132,000 | $ 107,000 |
| Pittsfield, MA | 1 | $ 339,000 | $ 339,000 | $ 680,000 |
| Port St. Lucie, FL | 1 | $ 78,000 | $ 78,000 | $ 146,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 300,000 | $ 300,000 | $ 74,000 |
| Punta Gorda, FL | 1 | $ 136,000 | $ 136,000 | $ 90,000 |
| Richmond, VA | 1 | $ 202,000 | $ 202,000 | $ 76,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 84,000 | $ 84,000 | $ 350,000 |
| Salt Lake City, UT | 1 | $ 7,000 | $ 7,000 | $ 84,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 230,000 | $ 230,000 | $ 177,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 60,000 | $ 60,000 | $ 86,000 |
| Santa Fe, NM | 1 | $ 130,000 | $ 130,000 | $ 160,000 |
| Savannah, GA | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Stockton, CA | 1 | $ 210,000 | $ 210,000 | $ 165,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| Wilmington, DE-MD-NJ | 1 | $ 139,000 | $ 139,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for United Nations Federal CU in 2009
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 | 506 | $180,534,000 | $356,000 | $1,505,000 | $151,000 | $709,000 |
| Refinancing | 454 | $142,550,000 | $313,000 | $1,500,000 | $152,000 | $1,665,000 |
| Home Improvement | 98 | $4,613,000 | $47,000 | $625,000 | $117,000 | $415,000 |
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 | 369 | $131,640,000 | $356,000 | $1,350,000 | $163,000 | $709,000 |
| Asian | 248 | $90,149,000 | $363,000 | $1,505,000 | $154,000 | $1,665,000 |
| Black or African American | 210 | $61,236,000 | $291,000 | $1,360,000 | $142,000 | $415,000 |
| Not Provided | 134 | $24,492,000 | $182,000 | $890,000 | $132,000 | $353,000 |
| Hispanic | 83 | $19,889,000 | $239,000 | $977,000 | $120,000 | $386,000 |
| American Indian or Alaskan Native | 13 | $250,000 | $19,000 | $75,000 | $101,000 | $232,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $41,000 | $41,000 | $41,000 | $207,000 | $207,000 |
| 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) | 1,058 | $327,697,000 | $309,000 | $1,505,000 | $148,000 | $1,665,000 |
| 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 | 667 | $201,296,000 | $301,000 | $1,505,000 | $149,000 | $709,000 |
| Application Denied By Financial Institution | 123 | $34,468,000 | $280,000 | $989,000 | $129,000 | $350,000 |
| Preapproval Approved but not Accepted | 119 | $42,007,000 | $353,000 | $1,000,000 | $147,000 | $327,000 |
| Application Approved But Not Accepted | 115 | $36,445,000 | $316,000 | $900,000 | $155,000 | $680,000 |
| Preapproval Denied by Financial Institution | 21 | $6,240,000 | $297,000 | $600,000 | $106,000 | $199,000 |
| Application Withdrawn By Applicant | 12 | $5,891,000 | $490,000 | $1,500,000 | $299,000 | $1,665,000 |
| File Closed For Incompleteness | 1 | $1,350,000 | $1,350,000 | $1,350,000 | $540,000 | $540,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $14,575,000 | $355,000 | $989,000 | $150,000 | $335,000 |
| Debt-To-Income Ratio | 40 | $10,403,000 | $260,000 | $700,000 | $105,000 | $302,000 |
| Credit History | 37 | $7,986,000 | $215,000 | $600,000 | $114,000 | $310,000 |
| Other | 12 | $2,349,000 | $195,000 | $575,000 | $136,000 | $350,000 |
| Mortgage Insurance Denied | 7 | $2,959,000 | $422,000 | $520,000 | $139,000 | $199,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,700,000 | $425,000 | $600,000 | $127,000 | $155,000 |
| Employment History | 2 | $600,000 | $300,000 | $400,000 | $86,000 | $100,000 |
| Unverifiable Information | 1 | $136,000 | $136,000 | $136,000 | $230,000 | $230,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2009 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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