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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Jersey City-White Plains, NY-NJ | 610 | $ 237,089,000 | $ 388,670 | $ 161,839 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 338 | $ 161,683,000 | $ 478,352 | $ 190,251 |
| Silver Spring-Frederick-Rockville, MD | 132 | $ 66,886,000 | $ 506,712 | $ 186,000 |
| Nassau County-Suffolk County, NY | 50 | $ 15,179,000 | $ 303,580 | $ 159,000 |
| Newark, NJ-PA | 42 | $ 13,925,000 | $ 331,547 | $ 162,000 |
| Baltimore-Columbia-Towson, MD | 26 | $ 8,713,000 | $ 335,115 | $ 169,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 7,422,000 | $ 353,428 | $ 164,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 4,499,000 | $ 214,238 | $ 132,000 |
| Atlanta-Sandy Springs-Roswell, GA | 16 | $ 2,900,000 | $ 181,250 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,203,000 | $ 157,357 | $ 156,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 3,765,000 | $ 289,615 | $ 147,000 |
| Raleigh, NC | 11 | $ 3,102,000 | $ 282,000 | $ 171,000 |
| Dallas-Plano-Irving, TX | 10 | $ 4,823,000 | $ 482,300 | $ 215,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 10 | $ 4,182,000 | $ 418,200 | $ 255,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 3,154,000 | $ 350,444 | $ 173,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 1,896,000 | $ 210,666 | $ 153,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 3,508,000 | $ 389,777 | $ 159,000 |
| Philadelphia, PA | 8 | $ 1,224,000 | $ 153,000 | $ 87,000 |
| Dutchess County-Putnam County, NY | 7 | $ 1,533,000 | $ 219,000 | $ 130,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 868,000 | $ 144,666 | $ 197,000 |
| Kingston, NY | 6 | $ 869,000 | $ 144,833 | $ 153,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,384,000 | $ 397,333 | $ 230,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,025,000 | $ 337,500 | $ 122,000 |
| Salt Lake City, UT | 6 | $ 482,000 | $ 80,333 | $ 192,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 3,100,000 | $ 516,666 | $ 184,000 |
| Trenton, NJ | 6 | $ 1,631,000 | $ 271,833 | $ 131,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,604,000 | $ 720,800 | $ 211,000 |
| Chicago-Naperville-Arlington Heights, IL | 5 | $ 968,000 | $ 193,600 | $ 229,000 |
| Oakland-Hayward-Berkeley, CA | 5 | $ 2,950,000 | $ 590,000 | $ 135,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,469,000 | $ 293,800 | $ 115,000 |
| Boston, MA | 4 | $ 626,000 | $ 156,500 | $ 125,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 841,000 | $ 210,250 | $ 85,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,019,000 | $ 254,750 | $ 146,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 801,000 | $ 200,250 | $ 178,000 |
| Salisbury, MD-DE | 4 | $ 1,374,000 | $ 343,500 | $ 611,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,835,000 | $ 458,750 | $ 154,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 285,000 | $ 71,250 | $ 154,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 307,000 | $ 102,333 | $ 71,000 |
| Fort Worth-Arlington, TX | 3 | $ 679,000 | $ 226,333 | $ 115,000 |
| Harrisburg-Carlisle, PA | 3 | $ 920,000 | $ 306,666 | $ 184,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 710,000 | $ 236,666 | $ 130,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,250,000 | $ 416,666 | $ 147,000 |
| Asheville, NC | 2 | $ 372,000 | $ 186,000 | $ 96,000 |
| Barnstable Town, MA | 2 | $ 638,000 | $ 319,000 | $ 121,000 |
| Camden, NJ | 2 | $ 571,000 | $ 285,500 | $ 310,000 |
| Dover, DE | 2 | $ 558,000 | $ 279,000 | $ 139,000 |
| East Stroudsburg, PA | 2 | $ 161,000 | $ 80,500 | $ 91,000 |
| Kansas City, MO-KS | 2 | $ 345,000 | $ 172,500 | $ 242,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 297,000 | $ 148,500 | $ 93,000 |
| Manchester-Nashua, NH | 2 | $ 276,000 | $ 138,000 | $ 150,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 616,000 | $ 308,000 | $ 117,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 274,000 | $ 137,000 | $ 90,000 |
| New Haven-Milford, CT | 2 | $ 460,000 | $ 230,000 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 762,000 | $ 381,000 | $ 265,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 535,000 | $ 267,500 | $ 138,000 |
| San Diego-Carlsbad, CA | 2 | $ 973,000 | $ 486,500 | $ 216,000 |
| Staunton-Waynesboro, VA | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 462,000 | $ 462,000 | $ 166,000 |
| Austin-Round Rock, TX | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Boulder, CO | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Bremerton-Silverdale, WA | 1 | $ 403,000 | $ 403,000 | $ 68,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Charlottesville, VA | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Cincinnati, OH-KY-IN | 1 | $ 170,000 | $ 170,000 | $ 113,000 |
| College Station-Bryan, TX | 1 | $ 75,000 | $ 75,000 | $ 117,000 |
| Eugene, OR | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Gainesville, FL | 1 | $ 90,000 | $ 90,000 | $ 135,000 |
| Grand Junction, CO | 1 | $ 220,000 | $ 220,000 | $ 134,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 65,000 | $ 65,000 | $ 203,000 |
| Jacksonville, FL | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Kalamazoo-Portage, MI | 1 | $ 40,000 | $ 40,000 | $ 25,000 |
| Kennewick-Richland, WA | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| Lakeland-Winter Haven, FL | 1 | $ 109,000 | $ 109,000 | $ 166,000 |
| Lancaster, PA | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Macon, GA | 1 | $ 783,000 | $ 783,000 | $ 1,312,000 |
| Memphis, TN-MS-AR | 1 | $ 126,000 | $ 126,000 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 370,000 | $ 370,000 | $ 207,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 255,000 | $ 255,000 | $ 304,000 |
| Pittsburgh, PA | 1 | $ 228,000 | $ 228,000 | $ 142,000 |
| Port St. Lucie, FL | 1 | $ 80,000 | $ 80,000 | $ 200,000 |
| Portland-South Portland, ME | 1 | $ 239,000 | $ 239,000 | $ 241,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Reno, NV | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Rochester, NY | 1 | $ 128,000 | $ 128,000 | $ 0 |
| San Rafael, CA | 1 | $ 672,000 | $ 672,000 | $ 151,000 |
| Santa Fe, NM | 1 | $ 252,000 | $ 252,000 | $ 162,000 |
| Sebastian-Vero Beach, FL | 1 | $ 568,000 | $ 568,000 | $ 235,000 |
| Spartanburg, SC | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| St. Louis, MO-IL | 1 | $ 612,000 | $ 612,000 | $ 260,000 |
| State College, PA | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
| Tulsa, OK | 1 | $ 276,000 | $ 276,000 | $ 92,000 |
| Visalia-Porterville, CA | 1 | $ 136,000 | $ 136,000 | $ 85,000 |
| Wilmington, DE-MD-NJ | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Winston-Salem, NC | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Worcester, MA-CT | 1 | $ 344,000 | $ 344,000 | $ 101,000 |
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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