United Nations Federal CU Mortgage Lending & HMDA Data, 2019
In 2019, United Nations Federal CU of Long Island City, NY reported 2,247 mortgage applications totaling $1.0 billion, up 24% from 2018. The average application was for $460,028, and applicants reported an average income of $188,935. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (621), New York-Jersey City-White Plains, NY-NJ (596) and Orlando-Kissimmee-Sanford, FL (187) (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 | 2,247 |
| Total Mortgage Loan Application Amount | $1,033,685,000 |
| Average Mortgage Loan Application Amount | $460,028 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $188,935 |
| Highest Applicant Income | $4,281,000 |
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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 621 | $ 322,595,000 | $ 519,476 | $ 204,650 |
| New York-Jersey City-White Plains, NY-NJ | 596 | $ 307,180,000 | $ 515,402 | $ 187,961 |
| Orlando-Kissimmee-Sanford, FL | 187 | $ 51,515,000 | $ 275,481 | $ 164,000 |
| Washington-Baltimore-Arlington, DC | 148 | $ 78,480,000 | $ 530,270 | $ 193,000 |
| Nassau County-Suffolk County, NY | 79 | $ 32,995,000 | $ 417,658 | $ 163,000 |
| Outside any metro area | 45 | $ 32,765,000 | $ 728,111 | $ 370,244 |
| New York-Newark, NY | 42 | $ 13,410,000 | $ 319,285 | $ 169,571 |
| Newark, NJ-PA | 40 | $ 16,580,000 | $ 414,500 | $ 185,825 |
| Miami-Miami Beach-Kendall, FL | 28 | $ 13,850,000 | $ 494,642 | $ 259,000 |
| Baltimore-Columbia-Towson, MD | 22 | $ 8,520,000 | $ 387,272 | $ 159,000 |
| Bridgeport-Stamford-Norwalk, CT | 22 | $ 10,010,000 | $ 455,000 | $ 205,000 |
| Lakeland-Winter Haven, FL | 22 | $ 4,350,000 | $ 197,727 | $ 119,000 |
| Raleigh, NC | 22 | $ 6,140,000 | $ 279,090 | $ 168,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 7,855,000 | $ 413,421 | $ 207,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 11,165,000 | $ 656,764 | $ 249,000 |
| Oklahoma City, OK | 17 | $ 1,845,000 | $ 108,529 | $ 87,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 3,980,000 | $ 284,285 | $ 135,000 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 8,775,000 | $ 675,000 | $ 189,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 4,910,000 | $ 409,166 | $ 126,000 |
| Chicago-Naperville, IL | 12 | $ 3,170,000 | $ 264,166 | $ 153,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,985,000 | $ 271,363 | $ 163,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,660,000 | $ 266,000 | $ 115,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 4,020,000 | $ 402,000 | $ 258,300 |
| Austin-Round Rock, TX | 8 | $ 2,180,000 | $ 272,500 | $ 173,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 1,630,000 | $ 203,750 | $ 104,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 4,140,000 | $ 517,500 | $ 168,000 |
| Boston, MA | 7 | $ 4,425,000 | $ 632,142 | $ 256,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 2,095,000 | $ 299,285 | $ 118,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,395,000 | $ 485,000 | $ 145,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,380,000 | $ 230,000 | $ 120,666 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 4,240,000 | $ 706,666 | $ 198,000 |
| San Diego-Carlsbad, CA | 6 | $ 3,890,000 | $ 648,333 | $ 185,000 |
| Birmingham-Hoover, AL | 5 | $ 675,000 | $ 135,000 | $ 166,000 |
| Camden, NJ | 5 | $ 1,315,000 | $ 263,000 | $ 140,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,285,000 | $ 257,000 | $ 191,000 |
| Salisbury, MD-DE | 5 | $ 1,975,000 | $ 395,000 | $ 176,400 |
| Cape Coral-Fort Myers, FL | 4 | $ 880,000 | $ 220,000 | $ 133,000 |
| Cleveland-Elyria, OH | 4 | $ 330,000 | $ 82,500 | $ 68,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,150,000 | $ 287,500 | $ 194,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 410,000 | $ 102,500 | $ 138,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,260,000 | $ 315,000 | $ 238,000 |
| Kahului-Wailuku-Lahaina, HI | 4 | $ 5,500,000 | $ 1,375,000 | $ 217,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 770,000 | $ 192,500 | $ 121,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,410,000 | $ 352,500 | $ 102,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,430,000 | $ 357,500 | $ 255,000 |
| Rocky Mount, NC | 4 | $ 360,000 | $ 90,000 | $ 157,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,565,000 | $ 521,666 | $ 182,000 |
| Ann Arbor, MI | 3 | $ 835,000 | $ 278,333 | $ 131,000 |
| Barnstable Town, MA | 3 | $ 1,085,000 | $ 361,666 | $ 182,000 |
| Beaumont-Port Arthur, TX | 3 | $ 425,000 | $ 141,666 | $ 95,000 |
| Kingston, NY | 3 | $ 515,000 | $ 171,666 | $ 148,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 2,885,000 | $ 961,666 | $ 281,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,555,000 | $ 518,333 | $ 167,000 |
| Richmond, VA | 3 | $ 1,045,000 | $ 348,333 | $ 111,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,275,000 | $ 425,000 | $ 160,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,885,000 | $ 628,333 | $ 175,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,505,000 | $ 835,000 | $ 239,000 |
| Albuquerque, NM | 2 | $ 530,000 | $ 265,000 | $ 93,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Columbus, OH | 2 | $ 250,000 | $ 125,000 | $ 199,000 |
| East Stroudsburg, PA | 2 | $ 390,000 | $ 195,000 | $ 203,000 |
| Flint, MI | 2 | $ 410,000 | $ 205,000 | $ 133,000 |
| Fort Worth-Arlington, TX | 2 | $ 360,000 | $ 180,000 | $ 176,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 760,000 | $ 380,000 | $ 150,000 |
| Kansas City, MO-KS | 2 | $ 420,000 | $ 210,000 | $ 93,500 |
| Louisville/Jefferson County, KY-IN | 2 | $ 590,000 | $ 295,000 | $ 137,000 |
| Lynchburg, VA | 2 | $ 330,000 | $ 165,000 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 620,000 | $ 310,000 | $ 147,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,390,000 | $ 695,000 | $ 271,000 |
| Philadelphia, PA | 2 | $ 420,000 | $ 210,000 | $ 117,000 |
| Port St. Lucie, FL | 2 | $ 390,000 | $ 195,000 | $ 175,000 |
| Providence-Warwick, RI-MA | 2 | $ 520,000 | $ 260,000 | $ 127,500 |
| Spartanburg, SC | 2 | $ 230,000 | $ 115,000 | $ 90,000 |
| Wilmington, DE-MD-NJ | 2 | $ 300,000 | $ 150,000 | $ 88,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 65,000 | $ 65,000 | $ 215,000 |
| Athens-Clarke County, GA | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Auburn-Opelika, AL | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Bellingham, WA | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Bloomington, IL | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Charleston-North Charleston, SC | 1 | $ 585,000 | $ 585,000 | $ 550,000 |
| Cincinnati, OH-KY-IN | 1 | $ 575,000 | $ 575,000 | $ 83,000 |
| Columbia, MO | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 425,000 | $ 425,000 | $ 237,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Fort Collins, CO | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Fresno, CA | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Greensboro-High Point, NC | 1 | $ 245,000 | $ 245,000 | $ 298,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 12,000 |
| Harrisburg-Carlisle, PA | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Huntsville, AL | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Jacksonville, FL | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Jacksonville, NC | 1 | $ 135,000 | $ 135,000 | $ 375,000 |
| Kalamazoo-Portage, MI | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Monroe, MI | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| New Haven-Milford, CT | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| New Orleans-Metairie, LA | 1 | $ 295,000 | $ 295,000 | $ 158,000 |
| Niles-Benton Harbor, MI | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 145,000 | $ 145,000 | $ 213,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 205,000 | $ 205,000 | $ 167,000 |
| Pittsburgh, PA | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Portland-South Portland, ME | 1 | $ 505,000 | $ 505,000 | $ 734,000 |
| Punta Gorda, FL | 1 | $ 195,000 | $ 195,000 | $ 133,000 |
| Reading, PA | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Salinas, CA | 1 | $ 755,000 | $ 755,000 | $ 161,000 |
| San Antonio-New Braunfels, TX | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| San Rafael, CA | 1 | $ 1,295,000 | $ 1,295,000 | $ 190,000 |
| Santa Rosa, CA | 1 | $ 575,000 | $ 575,000 | $ 81,000 |
| Spokane-Spokane Valley, WA | 1 | $ 245,000 | $ 245,000 | $ 162,000 |
| Springfield, MA | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Tacoma-Lakewood, WA | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Trenton, NJ | 1 | $ 275,000 | $ 275,000 | $ 201,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 12,000 |
| Tyler, TX | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Vallejo-Fairfield, CA | 1 | $ 525,000 | $ 525,000 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 555,000 | $ 555,000 | $ 203,000 |
| Winston-Salem, NC | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for United Nations Federal CU in 2019
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 | 1,382 | $593,110,000 | $429,000 | $2,005,000 | $179,000 | $4,281,000 |
| Refinancing | 482 | $245,270,000 | $508,000 | $2,035,000 | $213,000 | $4,281,000 |
| Cash-out Refinancing | 352 | $183,050,000 | $520,000 | $3,005,000 | $196,000 | $1,192,000 |
| Home Improvement | 21 | $10,945,000 | $521,000 | $1,255,000 | $191,000 | $417,000 |
| Other Purpose | 10 | $1,310,000 | $131,000 | $355,000 | $149,000 | $215,000 |
| 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 | 752 | $325,010,000 | $432,000 | $1,925,000 | $169,000 | $1,183,000 |
| White | 734 | $385,960,000 | $525,000 | $3,005,000 | $227,000 | $4,281,000 |
| Black or African American | 245 | $90,705,000 | $370,000 | $1,605,000 | $146,000 | $450,000 |
| Not Provided | 241 | $107,755,000 | $447,000 | $1,995,000 | $180,000 | $1,162,000 |
| Hispanic | 129 | $58,215,000 | $451,000 | $1,875,000 | $165,000 | $782,000 |
| Not applicable | 30 | $13,600,000 | $453,000 | $1,505,000 | $213,000 | $566,000 |
| American Indian or Alaskan Native | 1 | $375,000 | $375,000 | $375,000 | $163,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,245 | $1,032,595,000 | $459,000 | $3,005,000 | $189,000 | $4,281,000 |
| FHA-insured (Federal Housing Administration) | 2 | $1,090,000 | $545,000 | $645,000 | $154,000 | $161,000 |
| 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 | 1,515 | $689,885,000 | $455,000 | $2,045,000 | $193,000 | $4,281,000 |
| Application Withdrawn By Applicant | 333 | $160,335,000 | $481,000 | $3,005,000 | $189,000 | $1,629,000 |
| Application Denied By Financial Institution | 273 | $128,795,000 | $471,000 | $1,995,000 | $157,000 | $925,000 |
| File Closed For Incompleteness | 73 | $32,155,000 | $440,000 | $1,125,000 | $199,000 | $1,736,000 |
| Loan Purchased By The Institution | 28 | $11,490,000 | $410,000 | $1,005,000 | $213,000 | $566,000 |
| Application Approved But Not Accepted | 25 | $11,025,000 | $441,000 | $1,005,000 | $201,000 | $734,000 |
| 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 | 1,974 | $904,890,000 | $458,000 | $3,005,000 | $193,000 | $4,281,000 |
| Debt-To-Income Ratio | 82 | $43,060,000 | $525,000 | $1,575,000 | $128,000 | $413,000 |
| Collateral | 61 | $27,745,000 | $454,000 | $1,885,000 | $164,000 | $464,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 37 | $15,705,000 | $424,000 | $815,000 | $130,000 | $328,000 |
| Unverifiable Information | 35 | $16,545,000 | $472,000 | $1,605,000 | $191,000 | $925,000 |
| Credit History | 26 | $9,670,000 | $371,000 | $695,000 | $165,000 | $374,000 |
| Other | 21 | $12,645,000 | $602,000 | $1,995,000 | $263,000 | $640,000 |
| Employment History | 8 | $2,620,000 | $327,000 | $665,000 | $85,000 | $140,000 |
| Mortgage Insurance Denied | 3 | $805,000 | $268,000 | $405,000 | $102,000 | $209,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2019 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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