United Nations Federal CU Mortgage Lending & HMDA Data, 2021

In 2021, United Nations Federal CU of Long Island City, NY reported 2,943 mortgage applications totaling $1.6 billion, down 16% from 2020. The average application was for $558,350, and applicants reported an average income of $229,109. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (838), Washington-Arlington-Alexandria, DC-VA-MD-WV (611) and Washington-Baltimore-Arlington, DC (168) (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 2,943
Total Mortgage Loan Application Amount $1,643,225,000
Average Mortgage Loan Application Amount $558,350
Highest Mortgage Loan Application Amount $7,005,000
Average Applicant Income $229,109
Highest Applicant Income $4,420,000

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records United Nations Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for United Nations Federal CU by Metropolitan Area in 2021

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 838 $ 460,890,000 $ 549,988 $ 211,632
Washington-Arlington-Alexandria, DC-VA-MD-WV 611 $ 348,355,000 $ 570,139 $ 213,551
Washington-Baltimore-Arlington, DC 168 $ 99,950,000 $ 594,940 $ 214,000
Cambridge-Newton-Framingham, MA 117 $ 82,735,000 $ 707,136 $ 335,000
Nassau County-Suffolk County, NY 96 $ 43,370,000 $ 451,770 $ 270,000
Boston, MA 89 $ 66,975,000 $ 752,528 $ 328,000
Baltimore-Columbia-Towson, MD 81 $ 49,345,000 $ 609,197 $ 241,000
New York-Newark, NY 74 $ 29,050,000 $ 392,567 $ 177,189
Outside any metro area 71 $ 42,265,000 $ 595,281 $ 289,267
Newark, NJ-PA 61 $ 28,685,000 $ 470,245 $ 208,114
Bridgeport-Stamford-Norwalk, CT 47 $ 26,755,000 $ 569,255 $ 223,000
Virginia Beach-Norfolk-Newport News, VA-NC 32 $ 19,940,000 $ 623,125 $ 293,625
Los Angeles-Long Beach-Glendale, CA 29 $ 23,905,000 $ 824,310 $ 254,000
Atlanta-Sandy Springs-Roswell, GA 26 $ 11,270,000 $ 433,461 $ 153,000
Seattle-Bellevue-Everett, WA 25 $ 18,185,000 $ 727,400 $ 208,000
Miami-Miami Beach-Kendall, FL 22 $ 10,570,000 $ 480,454 $ 324,000
San Jose-Sunnyvale-Santa Clara, CA 21 $ 21,395,000 $ 1,018,809 $ 307,000
Oakland-Hayward-Berkeley, CA 20 $ 17,620,000 $ 881,000 $ 263,000
West Palm Beach-Boca Raton-Delray Beach, FL 17 $ 7,275,000 $ 427,941 $ 219,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 15 $ 4,195,000 $ 279,666 $ 257,000
Richmond, VA 15 $ 8,655,000 $ 577,000 $ 230,000
Trenton, NJ 15 $ 6,145,000 $ 409,666 $ 161,000
Charlotte-Concord-Gastonia, NC-SC 13 $ 5,995,000 $ 461,153 $ 193,076
Chicago-Naperville, IL 13 $ 4,735,000 $ 364,230 $ 236,000
Raleigh, NC 13 $ 6,355,000 $ 488,846 $ 273,000
San Francisco-Redwood City-South San Francisco, CA 13 $ 11,545,000 $ 888,076 $ 250,000
Orlando-Kissimmee-Sanford, FL 12 $ 3,930,000 $ 327,500 $ 154,000
Anaheim-Santa Ana-Irvine, CA 11 $ 11,665,000 $ 1,060,454 $ 290,000
Charleston-North Charleston, SC 11 $ 6,925,000 $ 629,545 $ 311,000
Dallas-Plano-Irving, TX 11 $ 3,615,000 $ 328,636 $ 189,000
Tampa-St. Petersburg-Clearwater, FL 11 $ 4,055,000 $ 368,636 $ 177,000
Hartford-West Hartford-East Hartford, CT 10 $ 4,870,000 $ 487,000 $ 223,000
Kingston, NY 10 $ 3,660,000 $ 366,000 $ 239,000
Montgomery County-Bucks County-Chester County, PA 10 $ 6,740,000 $ 674,000 $ 289,000
Salisbury, MD-DE 10 $ 3,860,000 $ 386,000 $ 246,400
Naples-Immokalee-Marco Island, FL 9 $ 5,635,000 $ 626,111 $ 259,000
Philadelphia, PA 9 $ 4,775,000 $ 530,555 $ 260,000
Providence-Warwick, RI-MA 9 $ 6,615,000 $ 735,000 $ 336,000
Houston-The Woodlands-Sugar Land, TX 8 $ 3,480,000 $ 435,000 $ 173,000
Las Vegas-Henderson-Paradise, NV 8 $ 3,770,000 $ 471,250 $ 708,000
North Port-Sarasota-Bradenton, FL 8 $ 2,520,000 $ 315,000 $ 157,000
Phoenix-Mesa-Scottsdale, AZ 8 $ 3,910,000 $ 488,750 $ 210,000
Austin-Round Rock, TX 7 $ 3,915,000 $ 559,285 $ 311,000
Denver-Aurora-Lakewood, CO 7 $ 3,925,000 $ 560,714 $ 185,000
Memphis, TN-MS-AR 7 $ 825,000 $ 117,857 $ 82,000
Port St. Lucie, FL 7 $ 2,455,000 $ 350,714 $ 152,000
Barnstable Town, MA 6 $ 3,600,000 $ 600,000 $ 375,000
Camden, NJ 6 $ 1,860,000 $ 310,000 $ 119,000
Cape Coral-Fort Myers, FL 6 $ 2,050,000 $ 341,666 $ 136,000
Columbia, SC 6 $ 3,270,000 $ 545,000 $ 267,000
Durham-Chapel Hill, NC 6 $ 2,680,000 $ 446,666 $ 191,000
Hilton Head Island-Bluffton-Beaufort, SC 6 $ 4,010,000 $ 668,333 $ 245,000
Riverside-San Bernardino-Ontario, CA 6 $ 3,650,000 $ 608,333 $ 193,000
Charlottesville, VA 5 $ 3,805,000 $ 761,000 $ 384,000
Minneapolis-St. Paul-Bloomington, MN-WI 5 $ 915,000 $ 183,000 $ 133,000
New Haven-Milford, CT 5 $ 1,345,000 $ 269,000 $ 164,000
Palm Bay-Melbourne-Titusville, FL 5 $ 2,795,000 $ 559,000 $ 285,000
San Diego-Carlsbad, CA 5 $ 4,685,000 $ 937,000 $ 309,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 1,170,000 $ 292,500 $ 292,000
Indianapolis-Carmel-Anderson, IN 4 $ 1,400,000 $ 350,000 $ 163,000
Jacksonville, FL 4 $ 2,200,000 $ 550,000 $ 181,000
Allentown-Bethlehem-Easton, PA-NJ 3 $ 705,000 $ 235,000 $ 108,333
East Stroudsburg, PA 3 $ 515,000 $ 171,666 $ 61,000
Kansas City, MO-KS 3 $ 345,000 $ 115,000 $ 112,666
Kennewick-Richland, WA 3 $ 665,000 $ 221,666 $ 168,000
Louisville/Jefferson County, KY-IN 3 $ 855,000 $ 285,000 $ 130,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 3 $ 485,000 $ 161,666 $ 831,000
Ocean City, NJ 3 $ 2,075,000 $ 691,666 $ 343,000
Oklahoma City, OK 3 $ 455,000 $ 151,666 $ 162,000
Portland-South Portland, ME 3 $ 1,465,000 $ 488,333 $ 181,000
St. Louis, MO-IL 3 $ 1,185,000 $ 395,000 $ 159,333
Urban Honolulu, HI 3 $ 2,765,000 $ 921,666 $ 321,000
Wilmington, NC 3 $ 2,635,000 $ 878,333 $ 368,000
Albany-Schenectady-Troy, NY 2 $ 260,000 $ 130,000 $ 105,000
Asheville, NC 2 $ 500,000 $ 250,000 $ 229,000
Bend-Redmond, OR 2 $ 890,000 $ 445,000 $ 131,000
Buffalo-Cheektowaga-Niagara Falls, NY 2 $ 250,000 $ 125,000 $ 97,000
California-Lexington Park, MD 2 $ 1,330,000 $ 665,000 $ 206,000
Greensboro-High Point, NC 2 $ 940,000 $ 470,000 $ 336,000
Lafayette-West Lafayette, IN 2 $ 310,000 $ 155,000 $ 77,000
Manchester-Nashua, NH 2 $ 1,010,000 $ 505,000 $ 200,000
Milwaukee-Waukesha-West Allis, WI 2 $ 890,000 $ 445,000 $ 185,000
Nashville-Davidson--Murfreesboro--Franklin, TN 2 $ 1,150,000 $ 575,000 $ 171,000
Ocala, FL 2 $ 260,000 $ 130,000 $ 50,000
Pittsburgh, PA 2 $ 900,000 $ 450,000 $ 458,000
Pittsfield, MA 2 $ 780,000 $ 390,000 $ 250,000
Punta Gorda, FL 2 $ 380,000 $ 190,000 $ 145,000
San Rafael, CA 2 $ 2,330,000 $ 1,165,000 $ 303,000
Savannah, GA 2 $ 250,000 $ 125,000 $ 118,000
Sebastian-Vero Beach, FL 2 $ 1,990,000 $ 995,000 $ 79,000
Stockton-Lodi, CA 2 $ 1,300,000 $ 650,000 $ 207,000
Warren-Troy-Farmington Hills, MI 2 $ 940,000 $ 470,000 $ 183,000
Wilmington, DE-MD-NJ 2 $ 620,000 $ 310,000 $ 146,000
Worcester, MA-CT 2 $ 1,460,000 $ 730,000 $ 314,000
Abilene, TX 1 $ 65,000 $ 65,000 $ 49,000
Akron, OH 1 $ 315,000 $ 315,000 $ 174,000
Atlantic City-Hammonton, NJ 1 $ 65,000 $ 65,000 $ 73,000
Augusta-Richmond County, GA-SC 1 $ 325,000 $ 325,000 $ 80,000
Bangor, ME 1 $ 255,000 $ 255,000 $ 166,000
Bellingham, WA 1 $ 405,000 $ 405,000 $ 189,000
Blacksburg-Christiansburg-Radford, VA 1 $ 345,000 $ 345,000 $ 103,000
Boise City, ID 1 $ 505,000 $ 505,000 $ 251,000
Boulder, CO 1 $ 1,165,000 $ 1,165,000 $ 608,000
Burlington-South Burlington, VT 1 $ 245,000 $ 245,000 $ 219,000
Chattanooga, TN-GA 1 $ 205,000 $ 205,000 $ 145,000
Cincinnati, OH-KY-IN 1 $ 155,000 $ 155,000 $ 36,000
Cleveland-Elyria, OH 1 $ 575,000 $ 575,000 $ 330,000
Columbus, OH 1 $ 295,000 $ 295,000 $ 181,000
Daphne-Fairhope-Foley, AL 1 $ 905,000 $ 905,000 $ 35,000
Detroit-Dearborn-Livonia, MI 1 $ 165,000 $ 165,000 $ 108,000
Dover, DE 1 $ 235,000 $ 235,000 $ 97,000
Fort Collins, CO 1 $ 445,000 $ 445,000 $ 149,000
Fort Worth-Arlington, TX 1 $ 455,000 $ 455,000 $ 150,000
Gary, IN 1 $ 175,000 $ 175,000 $ 149,000
Grand Rapids-Wyoming, MI 1 $ 425,000 $ 425,000 $ 135,000
Greenville-Anderson-Mauldin, SC 1 $ 655,000 $ 655,000 $ 376,000
Gulfport-Biloxi-Pascagoula, MS 1 $ 315,000 $ 315,000 $ 172,000
Harrisburg-Carlisle, PA 1 $ 145,000 $ 145,000 $ 84,000
Homosassa Springs, FL 1 $ 255,000 $ 255,000 $ 93,000
Kalamazoo-Portage, MI 1 $ 245,000 $ 245,000 $ 143,000
Lakeland-Winter Haven, FL 1 $ 255,000 $ 255,000 $ 242,000
Lynchburg, VA 1 $ 125,000 $ 125,000 $ 42,000
Morgantown, WV 1 $ 315,000 $ 315,000 $ 66,000
Norwich-New London, CT 1 $ 315,000 $ 315,000 $ 134,000
Ogden-Clearfield, UT 1 $ 725,000 $ 725,000 $ 124,000
Omaha-Council Bluffs, NE-IA 1 $ 165,000 $ 165,000 $ 94,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 455,000 $ 455,000 $ 120,000
Portland-Vancouver-Hillsboro, OR-WA 1 $ 325,000 $ 325,000 $ 87,000
Roanoke, VA 1 $ 215,000 $ 215,000 $ 57,000
Rochester, MN 1 $ 265,000 $ 265,000 $ 71,000
Rochester, NY 1 $ 195,000 $ 195,000 $ 98,000
Rockingham County-Strafford County, NH 1 $ 705,000 $ 705,000 $ 200,000
Sacramento--Roseville--Arden-Arcade, CA 1 $ 205,000 $ 205,000 $ 150,000
Salinas, CA 1 $ 555,000 $ 555,000 $ 203,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 1 $ 445,000 $ 445,000 $ 185,000
Springfield, MA 1 $ 745,000 $ 745,000 $ 225,000
Springfield, OH 1 $ 135,000 $ 135,000 $ 118,000
Staunton-Waynesboro, VA 1 $ 625,000 $ 625,000 $ 102,000
Syracuse, NY 1 $ 175,000 $ 175,000 $ 149,000
Tacoma-Lakewood, WA 1 $ 415,000 $ 415,000 $ 72,000
Tallahassee, FL 1 $ 275,000 $ 275,000 $ 114,000
The Villages, FL 1 $ 205,000 $ 205,000 $ 131,000
Tucson, AZ 1 $ 305,000 $ 305,000 $ 163,000
Vallejo-Fairfield, CA 1 $ 525,000 $ 525,000 $ 92,000
Winchester, VA-WV 1 $ 225,000 $ 225,000 $ 437,000
Winston-Salem, NC 1 $ 365,000 $ 365,000 $ 31,000

Mortgage Loan Application Detail Totals for United Nations Federal CU in 2021

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 1,355 $745,425,000 $550,000 $7,005,000 $222,000 $4,420,000
Refinancing 1,038 $584,870,000 $563,000 $4,005,000 $236,000 $1,414,000
Cash-out Refinancing 520 $301,570,000 $579,000 $2,705,000 $236,000 $1,119,000
Home Improvement 20 $8,640,000 $432,000 $1,045,000 $220,000 $503,000
Other Purpose 10 $2,720,000 $272,000 $1,425,000 $137,000 $452,000
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 1,155 $697,985,000 $604,000 $2,705,000 $254,000 $4,420,000
Not Provided 643 $372,095,000 $578,000 $2,325,000 $225,000 $1,119,000
Asian 439 $237,215,000 $540,000 $2,005,000 $223,000 $950,000
Black or African American 255 $99,485,000 $390,000 $1,615,000 $164,000 $621,000
Hispanic 173 $86,325,000 $498,000 $1,585,000 $198,000 $713,000
Not applicable 83 $46,235,000 $557,000 $7,005,000 $0 $0
American Indian or Alaskan Native 6 $2,310,000 $385,000 $695,000 $230,000 $497,000
Native Hawaiian or Other Pacific Islander 2 $730,000 $365,000 $365,000 $210,000 $225,000

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) 2,941 $1,642,695,000 $558,000 $7,005,000 $229,000 $4,420,000
VA-guaranteed (Veterans Administration) 2 $530,000 $265,000 $315,000 $122,000 $172,000
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

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 2,132 $1,225,080,000 $574,000 $4,755,000 $234,000 $4,420,000
Application Withdrawn By Applicant 377 $195,345,000 $518,000 $7,005,000 $218,000 $2,450,000
Application Denied By Financial Institution 246 $141,950,000 $577,000 $2,305,000 $207,000 $1,364,000
File Closed For Incompleteness 83 $38,185,000 $460,000 $1,625,000 $211,000 $948,000
Loan Purchased By The Institution 80 $30,470,000 $380,000 $1,505,000 $0 $0
Application Approved But Not Accepted 25 $12,195,000 $487,000 $875,000 $211,000 $382,000
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 2,697 $1,501,275,000 $556,000 $7,005,000 $231,000 $4,420,000
Debt-To-Income Ratio 79 $44,635,000 $565,000 $1,505,000 $126,000 $531,000
Collateral 47 $29,615,000 $630,000 $2,305,000 $272,000 $1,187,000
Unverifiable Information 38 $24,680,000 $649,000 $1,505,000 $276,000 $833,000
Credit History 35 $17,225,000 $492,000 $1,695,000 $209,000 $1,364,000
Other 22 $9,570,000 $435,000 $1,405,000 $247,000 $831,000
Insufficient Cash (Downpayment, Closing Cost) 16 $9,800,000 $612,000 $1,235,000 $183,000 $312,000
Employment History 4 $2,340,000 $585,000 $1,005,000 $174,000 $438,000
Mortgage Insurance Denied 3 $2,465,000 $821,000 $1,255,000 $227,000 $279,000
Credit Application Incomplete 2 $1,620,000 $810,000 $975,000 $253,000 $316,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Nations Federal CU's 2021 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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