University Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, University Credit Union of Los Angeles, CA reported 2,640 mortgage applications totaling $677.0 million, up 367% from 2021. The average application was for $256,428, and applicants reported an average income of $258,856. 50% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (744), Phoenix-Mesa-Scottsdale, AZ (134) and Riverside-San Bernardino-Ontario, CA (129) (applications in parentheses).
| Mortgage Company & Address | University Credit Union 1500 S. Sepulveda Blvd. Los Angeles, CA 90025 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 | 2,640 |
| Total Mortgage Loan Application Amount | $676,970,000 |
| Average Mortgage Loan Application Amount | $256,428 |
| Highest Mortgage Loan Application Amount | $25,505,000 |
| Average Applicant Income | $258,856 |
| Highest Applicant Income | $5,406,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records University Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 744 | $ 274,430,000 | $ 368,857 | $ 269,000 |
| Maricopa, Arizona | 120 | $ 18,430,000 | $ 153,583 | $ 251,000 |
| Riverside, California | 74 | $ 22,680,000 | $ 306,486 | $ 243,000 |
| King, Washington | 69 | $ 17,385,000 | $ 251,956 | $ 312,000 |
| Orange, California | 68 | $ 23,530,000 | $ 346,029 | $ 267,000 |
| Alameda, California | 56 | $ 14,070,000 | $ 251,250 | $ 276,000 |
| San Bernardino, California | 55 | $ 10,975,000 | $ 199,545 | $ 174,000 |
| San Diego, California | 55 | $ 15,025,000 | $ 273,181 | $ 250,000 |
| Clark, Nevada | 52 | $ 8,500,000 | $ 163,461 | $ 194,000 |
| Ventura, California | 50 | $ 20,430,000 | $ 408,600 | $ 247,000 |
| Contra Costa, California | 44 | $ 10,860,000 | $ 246,818 | $ 297,000 |
| Santa Clara, California | 32 | $ 6,880,000 | $ 215,000 | $ 313,000 |
| Sacramento, California | 31 | $ 6,795,000 | $ 219,193 | $ 204,000 |
| San Joaquin, California | 30 | $ 5,730,000 | $ 191,000 | $ 201,000 |
| Snohomish, Washington | 25 | $ 4,685,000 | $ 187,400 | $ 237,000 |
| Placer, California | 22 | $ 3,840,000 | $ 174,545 | $ 260,000 |
| Pierce, Washington | 18 | $ 3,000,000 | $ 166,666 | $ 188,000 |
| Clark, Washington | 17 | $ 3,685,000 | $ 216,764 | $ 333,000 |
| Kern, California | 16 | $ 2,520,000 | $ 157,500 | $ 156,000 |
| Solano, California | 16 | $ 1,510,000 | $ 94,375 | $ 187,000 |
| Bergen, New Jersey | 16 | $ 2,310,000 | $ 144,375 | $ 277,000 |
| Clackamas, Oregon | 16 | $ 3,740,000 | $ 233,750 | $ 248,000 |
| Pima, Arizona | 15 | $ 1,805,000 | $ 120,333 | $ 296,000 |
| Fresno, California | 15 | $ 2,935,000 | $ 195,666 | $ 373,000 |
| Pinal, Arizona | 14 | $ 1,680,000 | $ 120,000 | $ 179,000 |
| Yolo, California | 14 | $ 3,430,000 | $ 245,000 | $ 198,000 |
| Ada, Idaho | 13 | $ 2,745,000 | $ 211,153 | $ 214,000 |
| Canyon, Idaho | 13 | $ 1,505,000 | $ 115,769 | $ 136,000 |
| Hudson, New Jersey | 13 | $ 2,305,000 | $ 177,307 | $ 302,000 |
| San Mateo, California | 12 | $ 3,360,000 | $ 280,000 | $ 243,000 |
| Multnomah, Oregon | 12 | $ 2,110,000 | $ 175,833 | $ 217,000 |
| Salt Lake, Utah | 12 | $ 2,360,000 | $ 196,666 | $ 241,000 |
| San Francisco, California | 11 | $ 2,025,000 | $ 184,090 | $ 252,000 |
| Prince George's, Maryland | 11 | $ 855,000 | $ 77,727 | $ 0 |
| Santa Cruz, California | 10 | $ 1,930,000 | $ 193,000 | $ 339,000 |
| Jefferson, Colorado | 10 | $ 2,600,000 | $ 260,000 | $ 227,000 |
| Sonoma, California | 9 | $ 1,995,000 | $ 221,666 | $ 202,000 |
| Deschutes, Oregon | 9 | $ 2,185,000 | $ 242,777 | $ 268,000 |
| San Luis Obispo, California | 8 | $ 3,960,000 | $ 495,000 | $ 541,000 |
| Santa Barbara, California | 8 | $ 1,790,000 | $ 223,750 | $ 301,000 |
| Douglas, Colorado | 8 | $ 1,650,000 | $ 206,250 | $ 189,000 |
| Duval, Florida | 8 | $ 2,130,000 | $ 266,250 | $ 234,000 |
| Gwinnett, Georgia | 8 | $ 900,000 | $ 112,500 | $ 0 |
| Essex, New Jersey | 8 | $ 760,000 | $ 95,000 | $ 229,000 |
| Union, New Jersey | 8 | $ 1,320,000 | $ 165,000 | $ 248,000 |
| Washington, Oregon | 8 | $ 1,550,000 | $ 193,750 | $ 239,000 |
| Bucks, Pennsylvania | 8 | $ 1,530,000 | $ 191,250 | $ 205,000 |
| Philadelphia, Pennsylvania | 8 | $ 1,100,000 | $ 137,500 | $ 164,000 |
| Charleston, South Carolina | 8 | $ 1,430,000 | $ 178,750 | $ 198,000 |
| Utah, Utah | 8 | $ 1,250,000 | $ 156,250 | $ 234,000 |
| Whatcom, Washington | 8 | $ 1,080,000 | $ 135,000 | $ 133,000 |
| Coconino, Arizona | 7 | $ 895,000 | $ 127,857 | $ 207,000 |
| Marin, California | 7 | $ 2,075,000 | $ 296,428 | $ 240,000 |
| Tulare, California | 7 | $ 1,965,000 | $ 280,714 | $ 191,000 |
| Broward, Florida | 7 | $ 1,925,000 | $ 275,000 | $ 234,000 |
| Miami-Dade, Florida | 7 | $ 1,465,000 | $ 209,285 | $ 122,000 |
| Cobb, Georgia | 7 | $ 865,000 | $ 123,571 | $ 0 |
| Cook, Illinois | 7 | $ 1,055,000 | $ 150,714 | $ 52,000 |
| Macomb, Michigan | 7 | $ 455,000 | $ 65,000 | $ 67,000 |
| Washoe, Nevada | 7 | $ 725,000 | $ 103,571 | $ 156,000 |
| Middlesex, New Jersey | 7 | $ 745,000 | $ 106,428 | $ 151,000 |
| Morris, New Jersey | 7 | $ 1,245,000 | $ 177,857 | $ 331,000 |
| Marion, Oregon | 7 | $ 1,505,000 | $ 215,000 | $ 234,000 |
| Mohave, Arizona | 6 | $ 620,000 | $ 103,333 | $ 191,000 |
| Yavapai, Arizona | 6 | $ 1,110,000 | $ 185,000 | $ 177,000 |
| Nevada, California | 6 | $ 910,000 | $ 151,666 | $ 274,000 |
| Arapahoe, Colorado | 6 | $ 930,000 | $ 155,000 | $ 170,000 |
| Kootenai, Idaho | 6 | $ 1,430,000 | $ 238,333 | $ 225,000 |
| Johnson, Kansas | 6 | $ 1,930,000 | $ 321,666 | $ 204,000 |
| Jackson, Missouri | 6 | $ 1,540,000 | $ 256,666 | $ 161,000 |
| Gloucester, New Jersey | 6 | $ 450,000 | $ 75,000 | $ 73,000 |
| Franklin, Ohio | 6 | $ 580,000 | $ 96,666 | $ 340,000 |
| Montgomery, Texas | 6 | $ 2,130,000 | $ 355,000 | $ 808,000 |
| Kitsap, Washington | 6 | $ 690,000 | $ 115,000 | $ 231,000 |
| Madison, Alabama | 5 | $ 595,000 | $ 119,000 | $ 151,000 |
| El Dorado, California | 5 | $ 1,385,000 | $ 277,000 | $ 302,000 |
| Monterey, California | 5 | $ 27,375,000 | $ 5,475,000 | $ 335,000 |
| Shasta, California | 5 | $ 1,235,000 | $ 247,000 | $ 132,000 |
| Stanislaus, California | 5 | $ 645,000 | $ 129,000 | $ 274,000 |
| Palm Beach, Florida | 5 | $ 1,555,000 | $ 311,000 | $ 135,000 |
| Mecklenburg, North Carolina | 5 | $ 625,000 | $ 125,000 | $ 65,000 |
| Dorchester, South Carolina | 5 | $ 645,000 | $ 129,000 | $ 117,000 |
| Davis, Utah | 5 | $ 1,705,000 | $ 341,000 | $ 319,000 |
| Matanuska-Susitna, Alaska | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Amador, California | 4 | $ 290,000 | $ 72,500 | $ 554,000 |
| Denver, Colorado | 4 | $ 950,000 | $ 237,500 | $ 260,000 |
| El Paso, Colorado | 4 | $ 610,000 | $ 152,500 | $ 237,000 |
| Hartford, Connecticut | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Orange, Florida | 4 | $ 510,000 | $ 127,500 | $ 178,000 |
| Polk, Florida | 4 | $ 800,000 | $ 200,000 | $ 175,000 |
| Fulton, Georgia | 4 | $ 820,000 | $ 205,000 | $ 110,000 |
| Honolulu, Hawaii | 4 | $ 830,000 | $ 207,500 | $ 273,000 |
| Maui, Hawaii | 4 | $ 820,000 | $ 205,000 | $ 181,000 |
| Lake, Indiana | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Montgomery, Maryland | 4 | $ 600,000 | $ 150,000 | $ 0 |
| Hennepin, Minnesota | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Douglas, Nebraska | 4 | $ 410,000 | $ 102,500 | $ 0 |
| Bernalillo, New Mexico | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Yamhill, Oregon | 4 | $ 750,000 | $ 187,500 | $ 195,000 |
| Chester, Pennsylvania | 4 | $ 860,000 | $ 215,000 | $ 347,000 |
| Montgomery, Pennsylvania | 4 | $ 1,020,000 | $ 255,000 | $ 321,000 |
| York, South Carolina | 4 | $ 440,000 | $ 110,000 | $ 177,000 |
| Denton, Texas | 4 | $ 2,190,000 | $ 547,500 | $ 162,000 |
| Travis, Texas | 4 | $ 1,910,000 | $ 477,500 | $ 157,000 |
| Anchorage, Alaska | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Benton, Arkansas | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Kings, California | 3 | $ 215,000 | $ 71,666 | $ 80,000 |
| Napa, California | 3 | $ 585,000 | $ 195,000 | $ 115,000 |
| San Benito, California | 3 | $ 785,000 | $ 261,666 | $ 128,000 |
| Adams, Colorado | 3 | $ 445,000 | $ 148,333 | $ 82,000 |
| Collier, Florida | 3 | $ 4,475,000 | $ 1,491,666 | $ 1,910,000 |
| Lee, Florida | 3 | $ 265,000 | $ 88,333 | $ 135,000 |
| Pasco, Florida | 3 | $ 215,000 | $ 71,666 | $ 137,000 |
| Volusia, Florida | 3 | $ 395,000 | $ 131,666 | $ 102,000 |
| Clayton, Georgia | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Hamilton, Indiana | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Marion, Indiana | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Charles, Maryland | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Frederick, Maryland | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Kent, Michigan | 3 | $ 185,000 | $ 61,666 | $ 178,000 |
| Wayne, Michigan | 3 | $ 475,000 | $ 158,333 | $ 174,000 |
| Camden, New Jersey | 3 | $ 455,000 | $ 151,666 | $ 131,000 |
| Hunterdon, New Jersey | 3 | $ 425,000 | $ 141,666 | $ 356,000 |
| Mercer, New Jersey | 3 | $ 335,000 | $ 111,666 | $ 364,000 |
| Ocean, New Jersey | 3 | $ 735,000 | $ 245,000 | $ 372,000 |
| Passaic, New Jersey | 3 | $ 485,000 | $ 161,666 | $ 233,000 |
| Dona Ana, New Mexico | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Franklin, North Carolina | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Guilford, North Carolina | 3 | $ 265,000 | $ 88,333 | $ 0 |
| Union, North Carolina | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Wake, North Carolina | 3 | $ 855,000 | $ 285,000 | $ 113,000 |
| Stark, Ohio | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Delaware, Pennsylvania | 3 | $ 385,000 | $ 128,333 | $ 195,000 |
| Berkeley, South Carolina | 3 | $ 255,000 | $ 85,000 | $ 157,000 |
| Greenville, South Carolina | 3 | $ 155,000 | $ 51,666 | $ 63,000 |
| Tarrant, Texas | 3 | $ 1,765,000 | $ 588,333 | $ 240,000 |
| Fairfax, Virginia | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Clallam, Washington | 3 | $ 225,000 | $ 75,000 | $ 121,000 |
| Skagit, Washington | 3 | $ 515,000 | $ 171,666 | $ 132,000 |
| Yakima, Washington | 3 | $ 235,000 | $ 78,333 | $ 163,000 |
| Elmore, Alabama | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Shelby, Alabama | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Kenai Peninsula, Alaska | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Washington, Arkansas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Butte, California | 2 | $ 200,000 | $ 100,000 | $ 197,000 |
| Calaveras, California | 2 | $ 360,000 | $ 180,000 | $ 192,000 |
| Mariposa, California | 2 | $ 340,000 | $ 170,000 | $ 668,000 |
| Merced, California | 2 | $ 150,000 | $ 75,000 | $ 79,000 |
| Mesa, Colorado | 2 | $ 600,000 | $ 300,000 | $ 482,000 |
| Weld, Colorado | 2 | $ 220,000 | $ 110,000 | $ 132,000 |
| Middlesex, Connecticut | 2 | $ 220,000 | $ 110,000 | $ 0 |
| New London, Connecticut | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Clay, Florida | 2 | $ 430,000 | $ 215,000 | $ 120,000 |
| Marion, Florida | 2 | $ 310,000 | $ 155,000 | $ 158,000 |
| Sarasota, Florida | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Seminole, Florida | 2 | $ 120,000 | $ 60,000 | $ 82,000 |
| St. Lucie, Florida | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Cherokee, Georgia | 2 | $ 360,000 | $ 180,000 | $ 0 |
| DeKalb, Georgia | 2 | $ 180,000 | $ 90,000 | $ 79,000 |
| Henry, Georgia | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Muscogee, Georgia | 2 | $ 280,000 | $ 140,000 | $ 22,000 |
| Walton, Georgia | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Hawaii, Hawaii | 2 | $ 180,000 | $ 90,000 | $ 268,000 |
| Madison, Idaho | 2 | $ 200,000 | $ 100,000 | $ 308,000 |
| Twin Falls, Idaho | 2 | $ 170,000 | $ 85,000 | $ 160,000 |
| DuPage, Illinois | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Tazewell, Illinois | 2 | $ 150,000 | $ 75,000 | $ 705,000 |
| Will, Illinois | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Hendricks, Indiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Johnson, Indiana | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Madison, Indiana | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Noble, Indiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Porter, Indiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Caddo, Louisiana | 2 | $ 290,000 | $ 145,000 | $ 289,000 |
| Jefferson, Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Calvert, Maryland | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Harford, Maryland | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Howard, Maryland | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Oakland, Michigan | 2 | $ 190,000 | $ 95,000 | $ 192,000 |
| Ottawa, Michigan | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Washtenaw, Michigan | 2 | $ 100,000 | $ 50,000 | $ 255,000 |
| Dakota, Minnesota | 2 | $ 260,000 | $ 130,000 | $ 0 |
| DeSoto, Mississippi | 2 | $ 230,000 | $ 115,000 | $ 232,000 |
| Humboldt, Nevada | 2 | $ 220,000 | $ 110,000 | $ 433,000 |
| Cape May, New Jersey | 2 | $ 260,000 | $ 130,000 | $ 148,000 |
| Monmouth, New Jersey | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Brunswick, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Cabarrus, North Carolina | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Johnston, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Cuyahoga, Ohio | 2 | $ 140,000 | $ 70,000 | $ 87,000 |
| Fairfield, Ohio | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Lorain, Ohio | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Lucas, Ohio | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Lane, Oregon | 2 | $ 410,000 | $ 205,000 | $ 204,000 |
| Polk, Oregon | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lawrence, Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Beaufort, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 251,000 |
| Summit, Utah | 2 | $ 630,000 | $ 315,000 | $ 470,000 |
| Washington, Utah | 2 | $ 310,000 | $ 155,000 | $ 149,000 |
| Weber, Utah | 2 | $ 200,000 | $ 100,000 | $ 184,000 |
| Frederick, Virginia | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Henrico, Virginia | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Loudoun, Virginia | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Prince William, Virginia | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Chelan, Washington | 2 | $ 200,000 | $ 100,000 | $ 338,000 |
| Grays Harbor, Washington | 2 | $ 160,000 | $ 80,000 | $ 167,000 |
| Jefferson, Washington | 2 | $ 430,000 | $ 215,000 | $ 246,000 |
| Stevens, Washington | 2 | $ 680,000 | $ 340,000 | $ 207,000 |
| Autauga, Alabama | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Fayette, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson, Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Limestone, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gila, Arizona | 1 | $ 275,000 | $ 275,000 | $ 321,000 |
| Graham, Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Navajo, Arizona | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| Yuma, Arizona | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Crittenden, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Saline, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Glenn, California | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Imperial, California | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Madera, California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Mendocino, California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mono, California | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Tuolumne, California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Alamosa, Colorado | 1 | $ 55,000 | $ 55,000 | $ 121,000 |
| Boulder, Colorado | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Elbert, Colorado | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| La Plata, Colorado | 1 | $ 285,000 | $ 285,000 | $ 188,000 |
| Larimer, Colorado | 1 | $ 225,000 | $ 225,000 | $ 138,000 |
| Las Animas, Colorado | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Moffat, Colorado | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Routt, Colorado | 1 | $ 255,000 | $ 255,000 | $ 720,000 |
| Summit, Colorado | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Fairfield, Connecticut | 1 | $ 75,000 | $ 75,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Brevard, Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Citrus, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Escambia, Florida | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Hillsborough, Florida | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Indian River, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lake, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Leon, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manatee, Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Martin, Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Osceola, Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pinellas, Florida | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Sumter, Florida | 1 | $ 535,000 | $ 535,000 | $ 231,000 |
| Barrow, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bibb, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Camden, Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Carroll, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Clarke, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Columbia, Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Coweta, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fayette, Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Haralson, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Harris, Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Newton, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bear Lake, Idaho | 1 | $ 75,000 | $ 75,000 | $ 364,000 |
| Bonner, Idaho | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Boundary, Idaho | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Custer, Idaho | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Oneida, Idaho | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| Power, Idaho | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Valley, Idaho | 1 | $ 155,000 | $ 155,000 | $ 197,000 |
| Washington, Idaho | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Champaign, Illinois | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kendall, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Peoria, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Williamson, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Allen, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clark, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hancock, Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Putnam, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Vigo, Indiana | 1 | $ 255,000 | $ 255,000 | $ 168,000 |
| Douglas, Kansas | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Barren, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Boone, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hardin, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madison, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Warren, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bossier, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Livingston, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Terrebonne, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| York, Maine | 1 | $ 85,000 | $ 85,000 | $ 134,000 |
| Anne Arundel, Maryland | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Carroll, Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cecil, Maryland | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Talbot, Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington, Maryland | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Eaton, Michigan | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Genesee, Michigan | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| Ingham, Michigan | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lenawee, Michigan | 1 | $ 135,000 | $ 135,000 | $ 337,000 |
| Monroe, Michigan | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Saginaw, Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Louis, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pike, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Cass, Missouri | 1 | $ 455,000 | $ 455,000 | $ 315,000 |
| Clay, Missouri | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| St. Louis, Missouri | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| Warren, Missouri | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Gallatin, Montana | 1 | $ 965,000 | $ 965,000 | $ 419,000 |
| Yellowstone, Montana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gage, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Douglas, Nevada | 1 | $ 275,000 | $ 275,000 | $ 968,000 |
| Lyon, Nevada | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Rockingham, New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Atlantic, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 840,000 |
| Burlington, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 177,000 |
| Cumberland, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 198,000 |
| Sussex, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Warren, New Jersey | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Lincoln, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Los Alamos, New Mexico | 1 | $ 255,000 | $ 255,000 | $ 0 |
| San Juan, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bronx, New York | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Forsyth, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Perquimans, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rowan, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Stanly, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 127,000 |
| Watauga, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Butler, Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson, Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lake, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Portage, Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jackson, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Osage, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Clatsop, Oregon | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Columbia, Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Crook, Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hood River, Oregon | 1 | $ 335,000 | $ 335,000 | $ 436,000 |
| Josephine, Oregon | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Linn, Oregon | 1 | $ 225,000 | $ 225,000 | $ 348,000 |
| Umatilla, Oregon | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wasco, Oregon | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 845,000 | $ 845,000 | $ 233,000 |
| Lehigh, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 452,000 |
| Monroe, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Northampton, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Union, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 295,000 |
| Washington, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 373,000 |
| Aiken, South Carolina | 1 | $ 585,000 | $ 585,000 | $ 593,000 |
| Horry, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 585,000 |
| Lancaster, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 94,000 |
| Coffee, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Atascosa, Texas | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Cameron, Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Collin, Texas | 1 | $ 625,000 | $ 625,000 | $ 141,000 |
| Fort Bend, Texas | 1 | $ 105,000 | $ 105,000 | $ 177,000 |
| Harris, Texas | 1 | $ 155,000 | $ 155,000 | $ 149,000 |
| Hays, Texas | 1 | $ 25,000 | $ 25,000 | $ 486,000 |
| Williamson, Texas | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Duchesne, Utah | 1 | $ 245,000 | $ 245,000 | $ 219,000 |
| Iron, Utah | 1 | $ 95,000 | $ 95,000 | $ 170,000 |
| Wasatch, Utah | 1 | $ 255,000 | $ 255,000 | $ 248,000 |
| Chesapeake, Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Goochland, Virginia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| James City, Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Manassas, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Middlesex, Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montgomery, Virginia | 1 | $ 455,000 | $ 455,000 | $ 166,000 |
| Orange, Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Spotsylvania, Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Stafford, Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Warren, Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Benton, Washington | 1 | $ 75,000 | $ 75,000 | $ 232,000 |
| Grant, Washington | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Island, Washington | 1 | $ 135,000 | $ 135,000 | $ 396,000 |
| Mason, Washington | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Okanogan, Washington | 1 | $ 315,000 | $ 315,000 | $ 243,000 |
| Spokane, Washington | 1 | $ 275,000 | $ 275,000 | $ 303,000 |
| Thurston, Washington | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| Walla Walla, Washington | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| Jefferson, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Upshur, West Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for University Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 692 | $167,810,000 | $242,000 | $3,005,000 | $282,000 | $2,230,000 |
| Home Purchase | 672 | $266,340,000 | $396,000 | $6,005,000 | $311,000 | $5,406,000 |
| Home Improvement | 637 | $89,375,000 | $140,000 | $1,335,000 | $222,000 | $2,834,000 |
| Other Purpose | 499 | $76,175,000 | $152,000 | $505,000 | $210,000 | $3,147,000 |
| Refinancing | 140 | $77,270,000 | $551,000 | $25,505,000 | $236,000 | $2,412,000 |
| 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 | 1,012 | $325,350,000 | $321,000 | $25,505,000 | $283,000 | $5,406,000 |
| Not Provided | 529 | $148,095,000 | $279,000 | $3,005,000 | $242,000 | $3,147,000 |
| Not applicable | 502 | $51,990,000 | $103,000 | $255,000 | $0 | $0 |
| Asian | 232 | $64,210,000 | $276,000 | $1,885,000 | $231,000 | $1,371,000 |
| Hispanic | 206 | $52,020,000 | $252,000 | $1,505,000 | $198,000 | $1,598,000 |
| Black or African American | 107 | $26,525,000 | $247,000 | $2,705,000 | $201,000 | $1,884,000 |
| American Indian or Alaskan Native | 8 | $1,680,000 | $210,000 | $505,000 | $250,000 | $808,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $695,000 | $231,000 | $335,000 | $135,000 | $165,000 |
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) | 2,640 | $676,970,000 | $256,000 | $25,505,000 | $253,000 | $5,406,000 |
| 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 | 1,323 | $377,195,000 | $285,000 | $3,675,000 | $273,000 | $3,147,000 |
| Loan Purchased By The Institution | 502 | $51,990,000 | $103,000 | $255,000 | $0 | $0 |
| Application Withdrawn By Applicant | 374 | $130,900,000 | $350,000 | $25,505,000 | $229,000 | $1,626,000 |
| Application Denied By Financial Institution | 358 | $72,120,000 | $201,000 | $2,565,000 | $197,000 | $1,598,000 |
| Application Approved But Not Accepted | 58 | $26,410,000 | $455,000 | $3,925,000 | $223,000 | $644,000 |
| File Closed For Incompleteness | 25 | $18,355,000 | $734,000 | $4,085,000 | $447,000 | $5,406,000 |
| 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 | 2,282 | $604,850,000 | $265,000 | $25,505,000 | $264,000 | $5,406,000 |
| Debt-To-Income Ratio | 168 | $38,470,000 | $228,000 | $2,565,000 | $197,000 | $1,531,000 |
| Collateral | 60 | $7,770,000 | $129,000 | $485,000 | $191,000 | $584,000 |
| Credit History | 58 | $9,570,000 | $165,000 | $1,105,000 | $178,000 | $840,000 |
| Other | 54 | $7,820,000 | $144,000 | $1,005,000 | $217,000 | $1,534,000 |
| Unverifiable Information | 6 | $1,660,000 | $276,000 | $655,000 | $417,000 | $1,598,000 |
| Employment History | 6 | $1,840,000 | $306,000 | $695,000 | $119,000 | $184,000 |
| Credit Application Incomplete | 4 | $3,710,000 | $927,000 | $2,215,000 | $119,000 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,280,000 | $640,000 | $895,000 | $164,000 | $198,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into University Credit Union's 2022 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 University Credit Union'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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