University Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
University Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | $296,200 |
| Highest Mortgage Loan Application Amount | $25,505,000 |
| Average Applicant Income | $252,200 |
| Highest Applicant Income | $5,406,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with University Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing University Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down University Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how University Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by University Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at University Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 744 | $ 274,430,000 | $ 368,000 | $ 269,000 |
| Maricopa County Arizona | 120 | $ 18,430,000 | $ 153,000 | $ 251,000 |
| Riverside County California | 74 | $ 22,680,000 | $ 306,000 | $ 243,000 |
| King County Washington | 69 | $ 17,385,000 | $ 251,000 | $ 312,000 |
| Orange County California | 68 | $ 23,530,000 | $ 346,000 | $ 267,000 |
| Alameda County California | 56 | $ 14,070,000 | $ 251,000 | $ 276,000 |
| San Bernardino County California | 55 | $ 10,975,000 | $ 199,000 | $ 174,000 |
| San Diego County California | 55 | $ 15,025,000 | $ 273,000 | $ 250,000 |
| Clark County Nevada | 52 | $ 8,500,000 | $ 163,000 | $ 194,000 |
| Ventura County California | 50 | $ 20,430,000 | $ 408,000 | $ 247,000 |
| Contra Costa County California | 44 | $ 10,860,000 | $ 246,000 | $ 297,000 |
| Santa Clara County California | 32 | $ 6,880,000 | $ 215,000 | $ 313,000 |
| Sacramento County California | 31 | $ 6,795,000 | $ 219,000 | $ 204,000 |
| San Joaquin County California | 30 | $ 5,730,000 | $ 191,000 | $ 201,000 |
| Snohomish County Washington | 25 | $ 4,685,000 | $ 187,000 | $ 237,000 |
| Placer County California | 22 | $ 3,840,000 | $ 174,000 | $ 260,000 |
| Pierce County Washington | 18 | $ 3,000,000 | $ 166,000 | $ 188,000 |
| Clark County Washington | 17 | $ 3,685,000 | $ 216,000 | $ 333,000 |
| Kern County California | 16 | $ 2,520,000 | $ 157,000 | $ 156,000 |
| Solano County California | 16 | $ 1,510,000 | $ 94,000 | $ 187,000 |
| Bergen County New Jersey | 16 | $ 2,310,000 | $ 144,000 | $ 277,000 |
| Clackamas County Oregon | 16 | $ 3,740,000 | $ 233,000 | $ 248,000 |
| Pima County Arizona | 15 | $ 1,805,000 | $ 120,000 | $ 296,000 |
| Fresno County California | 15 | $ 2,935,000 | $ 195,000 | $ 373,000 |
| Pinal County Arizona | 14 | $ 1,680,000 | $ 120,000 | $ 179,000 |
| Yolo County California | 14 | $ 3,430,000 | $ 245,000 | $ 198,000 |
| Ada County Idaho | 13 | $ 2,745,000 | $ 211,000 | $ 214,000 |
| Canyon County Idaho | 13 | $ 1,505,000 | $ 115,000 | $ 136,000 |
| Hudson County New Jersey | 13 | $ 2,305,000 | $ 177,000 | $ 302,000 |
| San Mateo County California | 12 | $ 3,360,000 | $ 280,000 | $ 243,000 |
| Multnomah County Oregon | 12 | $ 2,110,000 | $ 175,000 | $ 217,000 |
| Salt Lake County Utah | 12 | $ 2,360,000 | $ 196,000 | $ 241,000 |
| San Francisco County California | 11 | $ 2,025,000 | $ 184,000 | $ 252,000 |
| Prince George's County Maryland | 11 | $ 855,000 | $ 77,000 | $ 0 |
| Santa Cruz County California | 10 | $ 1,930,000 | $ 193,000 | $ 339,000 |
| Jefferson County Colorado | 10 | $ 2,600,000 | $ 260,000 | $ 227,000 |
| Sonoma County California | 9 | $ 1,995,000 | $ 221,000 | $ 202,000 |
| Deschutes County Oregon | 9 | $ 2,185,000 | $ 242,000 | $ 268,000 |
| San Luis Obispo County California | 8 | $ 3,960,000 | $ 495,000 | $ 541,000 |
| Santa Barbara County California | 8 | $ 1,790,000 | $ 223,000 | $ 301,000 |
| Douglas County Colorado | 8 | $ 1,650,000 | $ 206,000 | $ 189,000 |
| Duval County Florida | 8 | $ 2,130,000 | $ 266,000 | $ 234,000 |
| Gwinnett County Georgia | 8 | $ 900,000 | $ 112,000 | $ 0 |
| Essex County New Jersey | 8 | $ 760,000 | $ 95,000 | $ 229,000 |
| Union County New Jersey | 8 | $ 1,320,000 | $ 165,000 | $ 248,000 |
| Washington County Oregon | 8 | $ 1,550,000 | $ 193,000 | $ 239,000 |
| Bucks County Pennsylvania | 8 | $ 1,530,000 | $ 191,000 | $ 205,000 |
| Philadelphia County Pennsylvania | 8 | $ 1,100,000 | $ 137,000 | $ 164,000 |
| Charleston County South Carolina | 8 | $ 1,430,000 | $ 178,000 | $ 198,000 |
| Utah County Utah | 8 | $ 1,250,000 | $ 156,000 | $ 234,000 |
| Whatcom County Washington | 8 | $ 1,080,000 | $ 135,000 | $ 133,000 |
| Coconino County Arizona | 7 | $ 895,000 | $ 127,000 | $ 207,000 |
| Marin County California | 7 | $ 2,075,000 | $ 296,000 | $ 240,000 |
| Tulare County California | 7 | $ 1,965,000 | $ 280,000 | $ 191,000 |
| Broward County Florida | 7 | $ 1,925,000 | $ 275,000 | $ 234,000 |
| Miami-Dade County Florida | 7 | $ 1,465,000 | $ 209,000 | $ 122,000 |
| Cobb County Georgia | 7 | $ 865,000 | $ 123,000 | $ 0 |
| Cook County Illinois | 7 | $ 1,055,000 | $ 150,000 | $ 52,000 |
| Macomb County Michigan | 7 | $ 455,000 | $ 65,000 | $ 67,000 |
| Washoe County Nevada | 7 | $ 725,000 | $ 103,000 | $ 156,000 |
| Middlesex County New Jersey | 7 | $ 745,000 | $ 106,000 | $ 151,000 |
| Morris County New Jersey | 7 | $ 1,245,000 | $ 177,000 | $ 331,000 |
| Marion County Oregon | 7 | $ 1,505,000 | $ 215,000 | $ 234,000 |
| Mohave County Arizona | 6 | $ 620,000 | $ 103,000 | $ 191,000 |
| Yavapai County Arizona | 6 | $ 1,110,000 | $ 185,000 | $ 177,000 |
| Nevada County California | 6 | $ 910,000 | $ 151,000 | $ 274,000 |
| Arapahoe County Colorado | 6 | $ 930,000 | $ 155,000 | $ 170,000 |
| Kootenai County Idaho | 6 | $ 1,430,000 | $ 238,000 | $ 225,000 |
| Johnson County Kansas | 6 | $ 1,930,000 | $ 321,000 | $ 204,000 |
| Jackson County Missouri | 6 | $ 1,540,000 | $ 256,000 | $ 161,000 |
| Gloucester County New Jersey | 6 | $ 450,000 | $ 75,000 | $ 73,000 |
| Franklin County Ohio | 6 | $ 580,000 | $ 96,000 | $ 340,000 |
| Montgomery County Texas | 6 | $ 2,130,000 | $ 355,000 | $ 808,000 |
| Kitsap County Washington | 6 | $ 690,000 | $ 115,000 | $ 231,000 |
| Madison County Alabama | 5 | $ 595,000 | $ 119,000 | $ 151,000 |
| El Dorado County California | 5 | $ 1,385,000 | $ 277,000 | $ 302,000 |
| Monterey County California | 5 | $ 27,375,000 | $ 5,475,000 | $ 335,000 |
| Shasta County California | 5 | $ 1,235,000 | $ 247,000 | $ 132,000 |
| Stanislaus County California | 5 | $ 645,000 | $ 129,000 | $ 274,000 |
| Palm Beach County Florida | 5 | $ 1,555,000 | $ 311,000 | $ 135,000 |
| Mecklenburg County North Carolina | 5 | $ 625,000 | $ 125,000 | $ 65,000 |
| Dorchester County South Carolina | 5 | $ 645,000 | $ 129,000 | $ 117,000 |
| Davis County Utah | 5 | $ 1,705,000 | $ 341,000 | $ 319,000 |
| Matanuska-Susitna County Alaska | 4 | $ 310,000 | $ 77,000 | $ 0 |
| Amador County California | 4 | $ 290,000 | $ 72,000 | $ 554,000 |
| Denver County Colorado | 4 | $ 950,000 | $ 237,000 | $ 260,000 |
| El Paso County Colorado | 4 | $ 610,000 | $ 152,000 | $ 237,000 |
| Hartford County Connecticut | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Orange County Florida | 4 | $ 510,000 | $ 127,000 | $ 178,000 |
| Polk County Florida | 4 | $ 800,000 | $ 200,000 | $ 175,000 |
| Fulton County Georgia | 4 | $ 820,000 | $ 205,000 | $ 110,000 |
| Honolulu County Hawaii | 4 | $ 830,000 | $ 207,000 | $ 273,000 |
| Maui County Hawaii | 4 | $ 820,000 | $ 205,000 | $ 181,000 |
| Lake County Indiana | 4 | $ 310,000 | $ 77,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 600,000 | $ 150,000 | $ 0 |
| Hennepin County Minnesota | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Douglas County Nebraska | 4 | $ 410,000 | $ 102,000 | $ 0 |
| Bernalillo County New Mexico | 4 | $ 310,000 | $ 77,000 | $ 0 |
| Yamhill County Oregon | 4 | $ 750,000 | $ 187,000 | $ 195,000 |
| Chester County Pennsylvania | 4 | $ 860,000 | $ 215,000 | $ 347,000 |
| Montgomery County Pennsylvania | 4 | $ 1,020,000 | $ 255,000 | $ 321,000 |
| York County South Carolina | 4 | $ 440,000 | $ 110,000 | $ 177,000 |
| Denton County Texas | 4 | $ 2,190,000 | $ 547,000 | $ 162,000 |
| Travis County Texas | 4 | $ 1,910,000 | $ 477,000 | $ 157,000 |
| Anchorage County Alaska | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Benton County Arkansas | 3 | $ 325,000 | $ 108,000 | $ 0 |
| Kings County California | 3 | $ 215,000 | $ 71,000 | $ 80,000 |
| Napa County California | 3 | $ 585,000 | $ 195,000 | $ 115,000 |
| San Benito County California | 3 | $ 785,000 | $ 261,000 | $ 128,000 |
| Adams County Colorado | 3 | $ 445,000 | $ 148,000 | $ 82,000 |
| Collier County Florida | 3 | $ 4,475,000 | $ 1,491,000 | $ 1,910,000 |
| Lee County Florida | 3 | $ 265,000 | $ 88,000 | $ 135,000 |
| Pasco County Florida | 3 | $ 215,000 | $ 71,000 | $ 137,000 |
| Volusia County Florida | 3 | $ 395,000 | $ 131,000 | $ 102,000 |
| Clayton County Georgia | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Hamilton County Indiana | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Marion County Indiana | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Charles County Maryland | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Frederick County Maryland | 3 | $ 245,000 | $ 81,000 | $ 0 |
| Kent County Michigan | 3 | $ 185,000 | $ 61,000 | $ 178,000 |
| Wayne County Michigan | 3 | $ 475,000 | $ 158,000 | $ 174,000 |
| Camden County New Jersey | 3 | $ 455,000 | $ 151,000 | $ 131,000 |
| Hunterdon County New Jersey | 3 | $ 425,000 | $ 141,000 | $ 356,000 |
| Mercer County New Jersey | 3 | $ 335,000 | $ 111,000 | $ 364,000 |
| Ocean County New Jersey | 3 | $ 735,000 | $ 245,000 | $ 372,000 |
| Passaic County New Jersey | 3 | $ 485,000 | $ 161,000 | $ 233,000 |
| Dona Ana County New Mexico | 3 | $ 305,000 | $ 101,000 | $ 0 |
| Franklin County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 0 |
| Guilford County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 0 |
| Union County North Carolina | 3 | $ 425,000 | $ 141,000 | $ 0 |
| Wake County North Carolina | 3 | $ 855,000 | $ 285,000 | $ 113,000 |
| Stark County Ohio | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Delaware County Pennsylvania | 3 | $ 385,000 | $ 128,000 | $ 195,000 |
| Berkeley County South Carolina | 3 | $ 255,000 | $ 85,000 | $ 157,000 |
| Greenville County South Carolina | 3 | $ 155,000 | $ 51,000 | $ 63,000 |
| Tarrant County Texas | 3 | $ 1,765,000 | $ 588,000 | $ 240,000 |
| Fairfax County Virginia | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Clallam County Washington | 3 | $ 225,000 | $ 75,000 | $ 121,000 |
| Skagit County Washington | 3 | $ 515,000 | $ 171,000 | $ 132,000 |
| Yakima County Washington | 3 | $ 235,000 | $ 78,000 | $ 163,000 |
| Elmore County Alabama | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Shelby County Alabama | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Kenai Peninsula County Alaska | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Washington County Arkansas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Butte County California | 2 | $ 200,000 | $ 100,000 | $ 197,000 |
| Calaveras County California | 2 | $ 360,000 | $ 180,000 | $ 192,000 |
| Mariposa County California | 2 | $ 340,000 | $ 170,000 | $ 668,000 |
| Merced County California | 2 | $ 150,000 | $ 75,000 | $ 79,000 |
| Mesa County Colorado | 2 | $ 600,000 | $ 300,000 | $ 482,000 |
| Weld County Colorado | 2 | $ 220,000 | $ 110,000 | $ 132,000 |
| Middlesex County Connecticut | 2 | $ 220,000 | $ 110,000 | $ 0 |
| New London County Connecticut | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Clay County Florida | 2 | $ 430,000 | $ 215,000 | $ 120,000 |
| Marion County Florida | 2 | $ 310,000 | $ 155,000 | $ 158,000 |
| Sarasota County Florida | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Seminole County Florida | 2 | $ 120,000 | $ 60,000 | $ 82,000 |
| St. Lucie County Florida | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Cherokee County Georgia | 2 | $ 360,000 | $ 180,000 | $ 0 |
| DeKalb County Georgia | 2 | $ 180,000 | $ 90,000 | $ 79,000 |
| Henry County Georgia | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Muscogee County Georgia | 2 | $ 280,000 | $ 140,000 | $ 22,000 |
| Walton County Georgia | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Hawaii County Hawaii | 2 | $ 180,000 | $ 90,000 | $ 268,000 |
| Madison County Idaho | 2 | $ 200,000 | $ 100,000 | $ 308,000 |
| Twin Falls County Idaho | 2 | $ 170,000 | $ 85,000 | $ 160,000 |
| DuPage County Illinois | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Tazewell County Illinois | 2 | $ 150,000 | $ 75,000 | $ 705,000 |
| Will County Illinois | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Hendricks County Indiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Johnson County Indiana | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Madison County Indiana | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Noble County Indiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Porter County Indiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Caddo County Louisiana | 2 | $ 290,000 | $ 145,000 | $ 289,000 |
| Jefferson County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Calvert County Maryland | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Harford County Maryland | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Howard County Maryland | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Oakland County Michigan | 2 | $ 190,000 | $ 95,000 | $ 192,000 |
| Ottawa County Michigan | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Washtenaw County Michigan | 2 | $ 100,000 | $ 50,000 | $ 255,000 |
| Dakota County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 0 |
| DeSoto County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 232,000 |
| Humboldt County Nevada | 2 | $ 220,000 | $ 110,000 | $ 433,000 |
| Cape May County New Jersey | 2 | $ 260,000 | $ 130,000 | $ 148,000 |
| Monmouth County New Jersey | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Cabarrus County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Cuyahoga County Ohio | 2 | $ 140,000 | $ 70,000 | $ 87,000 |
| Fairfield County Ohio | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Lorain County Ohio | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Lucas County Ohio | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Lane County Oregon | 2 | $ 410,000 | $ 205,000 | $ 204,000 |
| Polk County Oregon | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lawrence County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Beaufort County South Carolina | 2 | $ 230,000 | $ 115,000 | $ 251,000 |
| Summit County Utah | 2 | $ 630,000 | $ 315,000 | $ 470,000 |
| Washington County Utah | 2 | $ 310,000 | $ 155,000 | $ 149,000 |
| Weber County Utah | 2 | $ 200,000 | $ 100,000 | $ 184,000 |
| Frederick County Virginia | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Henrico County Virginia | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Prince William County Virginia | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Virginia Beach County Virginia | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Chelan County Washington | 2 | $ 200,000 | $ 100,000 | $ 338,000 |
| Grays Harbor County Washington | 2 | $ 160,000 | $ 80,000 | $ 167,000 |
| Jefferson County Washington | 2 | $ 430,000 | $ 215,000 | $ 246,000 |
| Stevens County Washington | 2 | $ 680,000 | $ 340,000 | $ 207,000 |
| Autauga County Alabama | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Fayette County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Limestone County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gila County Arizona | 1 | $ 275,000 | $ 275,000 | $ 321,000 |
| Graham County Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Navajo County Arizona | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| Yuma County Arizona | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Crittenden County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Saline County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Glenn County California | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Imperial County California | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Madera County California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Mendocino County California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mono County California | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Tuolumne County California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Alamosa County Colorado | 1 | $ 55,000 | $ 55,000 | $ 121,000 |
| Boulder County Colorado | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Elbert County Colorado | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| La Plata County Colorado | 1 | $ 285,000 | $ 285,000 | $ 188,000 |
| Larimer County Colorado | 1 | $ 225,000 | $ 225,000 | $ 138,000 |
| Las Animas County Colorado | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Moffat County Colorado | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Routt County Colorado | 1 | $ 255,000 | $ 255,000 | $ 720,000 |
| Summit County Colorado | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Fairfield County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Brevard County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Escambia County Florida | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Hillsborough County Florida | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Indian River County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lake County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manatee County Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Martin County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Osceola County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pinellas County Florida | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Sumter County Florida | 1 | $ 535,000 | $ 535,000 | $ 231,000 |
| Barrow County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bibb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Camden County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Carroll County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Clarke County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Columbia County Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Coweta County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fayette County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Haralson County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Harris County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lowndes County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Newton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bear Lake County Idaho | 1 | $ 75,000 | $ 75,000 | $ 364,000 |
| Bonner County Idaho | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Boundary County Idaho | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Custer County Idaho | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Oneida County Idaho | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| Power County Idaho | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Valley County Idaho | 1 | $ 155,000 | $ 155,000 | $ 197,000 |
| Washington County Idaho | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Champaign County Illinois | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kendall County Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Peoria County Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Williamson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Allen County Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clark County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hancock County Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Putnam County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Vigo County Indiana | 1 | $ 255,000 | $ 255,000 | $ 168,000 |
| Douglas County Kansas | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Barren County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Boone County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hardin County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madison County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Warren County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Livingston County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Terrebonne County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| York County Maine | 1 | $ 85,000 | $ 85,000 | $ 134,000 |
| Anne Arundel County Maryland | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Carroll County Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cecil County Maryland | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Talbot County Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington County Maryland | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Eaton County Michigan | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Genesee County Michigan | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| Ingham County Michigan | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lenawee County Michigan | 1 | $ 135,000 | $ 135,000 | $ 337,000 |
| Monroe County Michigan | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Saginaw County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Louis County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pike County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Cass County Missouri | 1 | $ 455,000 | $ 455,000 | $ 315,000 |
| Clay County Missouri | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| St. Louis County Missouri | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| Warren County Missouri | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Gallatin County Montana | 1 | $ 965,000 | $ 965,000 | $ 419,000 |
| Yellowstone County Montana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gage County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lancaster County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Douglas County Nevada | 1 | $ 275,000 | $ 275,000 | $ 968,000 |
| Lyon County Nevada | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Rockingham County New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 840,000 |
| Burlington County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 177,000 |
| Cumberland County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 198,000 |
| Sussex County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Warren County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Lincoln County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Los Alamos County New Mexico | 1 | $ 255,000 | $ 255,000 | $ 0 |
| San Juan County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bronx County New York | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Forsyth County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Perquimans County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 127,000 |
| Watauga County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Butler County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lake County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Portage County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jackson County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Osage County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Clatsop County Oregon | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Columbia County Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Crook County Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hood River County Oregon | 1 | $ 335,000 | $ 335,000 | $ 436,000 |
| Josephine County Oregon | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Linn County Oregon | 1 | $ 225,000 | $ 225,000 | $ 348,000 |
| Umatilla County Oregon | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wasco County Oregon | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 845,000 | $ 845,000 | $ 233,000 |
| Lehigh County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 452,000 |
| Monroe County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Northampton County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Union County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 295,000 |
| Washington County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 373,000 |
| Aiken County South Carolina | 1 | $ 585,000 | $ 585,000 | $ 593,000 |
| Horry County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 585,000 |
| Lancaster County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 94,000 |
| Coffee County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Atascosa County Texas | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Cameron County Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Collin County Texas | 1 | $ 625,000 | $ 625,000 | $ 141,000 |
| Fort Bend County Texas | 1 | $ 105,000 | $ 105,000 | $ 177,000 |
| Harris County Texas | 1 | $ 155,000 | $ 155,000 | $ 149,000 |
| Hays County Texas | 1 | $ 25,000 | $ 25,000 | $ 486,000 |
| Williamson County Texas | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Duchesne County Utah | 1 | $ 245,000 | $ 245,000 | $ 219,000 |
| Iron County Utah | 1 | $ 95,000 | $ 95,000 | $ 170,000 |
| Wasatch County Utah | 1 | $ 255,000 | $ 255,000 | $ 248,000 |
| Chesapeake County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Goochland County Virginia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| James City County Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Manassas County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Middlesex County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 455,000 | $ 455,000 | $ 166,000 |
| Orange County Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Stafford County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Warren County Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Benton County Washington | 1 | $ 75,000 | $ 75,000 | $ 232,000 |
| Grant County Washington | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Island County Washington | 1 | $ 135,000 | $ 135,000 | $ 396,000 |
| Mason County Washington | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Okanogan County Washington | 1 | $ 315,000 | $ 315,000 | $ 243,000 |
| Spokane County Washington | 1 | $ 275,000 | $ 275,000 | $ 303,000 |
| Thurston County Washington | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| Walla Walla County Washington | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| Jefferson County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Upshur County 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.
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with aggregated HMDA statistics today.