Greenstate Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Greenstate Credit Union 2023 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 | Greenstate Credit Union 2355 Landon Rd North Liberty, IA 52317 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 | 18,328 |
| Total Mortgage Loan Application Amount | $2,929,190,000 |
| Average Mortgage Loan Application Amount | $125,400 |
| Highest Mortgage Loan Application Amount | $25,405,000 |
| Average Applicant Income | $124,800 |
| Highest Applicant Income | $7,009,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Greenstate 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 Greenstate Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Greenstate 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 Greenstate Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Greenstate 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 Greenstate Credit Union's mortgage activity for 2023.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DES MOINES-WEST DES MOINES, IA | 3,384 | $ 529,750,000 | $ 156,000 | $ 126,000 |
| NA (OUTSIDE OF MSA/MD) | 2,379 | $ 265,975,000 | $ 236,346 | $ 166,846 |
| CEDAR RAPIDS, IA | 2,301 | $ 279,975,000 | $ 121,000 | $ 105,000 |
| CHICAGO-NAPERVILLE, IL | 2,300 | $ 650,950,000 | $ 283,000 | $ 152,000 |
| IOWA CITY, IA | 2,120 | $ 317,580,000 | $ 149,000 | $ 137,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1,122 | $ 152,230,000 | $ 125,000 | $ 100,000 |
| WATERLOO-CEDAR FALLS, IA | 997 | $ 129,795,000 | $ 130,000 | $ 110,000 |
| ROCKFORD, IL | 808 | $ 120,850,000 | $ 149,000 | $ 90,000 |
| ELGIN, IL | 474 | $ 89,430,000 | $ 188,000 | $ 121,000 |
| DUBUQUE, IA | 406 | $ 71,490,000 | $ 176,000 | $ 92,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 250 | $ 14,170,000 | $ 56,000 | $ 64,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 195 | $ 12,565,000 | $ 64,000 | $ 63,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 194 | $ 42,540,000 | $ 173,500 | $ 104,000 |
| AMES, IA | 170 | $ 24,140,000 | $ 142,000 | $ 118,000 |
| GRAND RAPIDS-WYOMING, MI | 156 | $ 11,680,000 | $ 74,000 | $ 59,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 87 | $ 9,395,000 | $ 107,000 | $ 81,000 |
| ANN ARBOR, MI | 78 | $ 7,440,000 | $ 95,000 | $ 77,000 |
| LANSING-EAST LANSING, MI | 44 | $ 2,080,000 | $ 47,000 | $ 60,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 32 | $ 6,700,000 | $ 183,500 | $ 127,000 |
| DENVER-AURORA-LAKEWOOD, CO | 31 | $ 15,815,000 | $ 510,000 | $ 173,000 |
| GARY, IN | 30 | $ 4,870,000 | $ 162,000 | $ 117,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 29 | $ 4,755,000 | $ 163,000 | $ 142,000 |
| FLINT, MI | 27 | $ 1,275,000 | $ 47,000 | $ 54,000 |
| NILES-BENTON HARBOR, MI | 27 | $ 4,785,000 | $ 177,000 | $ 251,000 |
| JANESVILLE-BELOIT, WI | 26 | $ 4,760,000 | $ 183,000 | $ 119,000 |
| TOLEDO, OH | 26 | $ 1,720,000 | $ 66,000 | $ 74,000 |
| COLUMBUS, OH | 25 | $ 3,495,000 | $ 139,000 | $ 100,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 23 | $ 5,545,000 | $ 177,000 | $ 120,500 |
| MICHIGAN CITY-LA PORTE, IN | 22 | $ 1,200,000 | $ 54,000 | $ 52,000 |
| ST. LOUIS, MO-IL | 20 | $ 3,300,000 | $ 187,500 | $ 98,500 |
| CINCINNATI, OH-KY-IN | 18 | $ 1,670,000 | $ 93,500 | $ 67,500 |
| MONROE, MI | 18 | $ 730,000 | $ 40,000 | $ 53,000 |
| ELKHART-GOSHEN, IN | 16 | $ 850,000 | $ 53,000 | $ 52,000 |
| CLEVELAND-ELYRIA, OH | 14 | $ 1,470,000 | $ 105,000 | $ 92,000 |
| EAU CLAIRE, WI | 14 | $ 970,000 | $ 69,000 | $ 54,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 13 | $ 705,000 | $ 54,000 | $ 69,000 |
| PEORIA, IL | 13 | $ 1,615,000 | $ 124,000 | $ 91,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 13 | $ 6,685,000 | $ 514,000 | $ 255,000 |
| SPRINGFIELD, IL | 13 | $ 855,000 | $ 65,000 | $ 71,000 |
| BATTLE CREEK, MI | 12 | $ 1,330,000 | $ 110,000 | $ 69,000 |
| KALAMAZOO-PORTAGE, MI | 12 | $ 770,000 | $ 64,000 | $ 71,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 12 | $ 5,580,000 | $ 465,000 | $ 270,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 11 | $ 5,645,000 | $ 513,000 | $ 209,000 |
| COLUMBUS, IN | 11 | $ 445,000 | $ 40,000 | $ 73,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 11 | $ 1,005,000 | $ 91,000 | $ 67,000 |
| MADISON, WI | 10 | $ 3,140,000 | $ 314,000 | $ 193,000 |
| DALLAS-PLANO-IRVING, TX | 9 | $ 3,445,000 | $ 382,000 | $ 185,000 |
| DECATUR, IL | 9 | $ 625,000 | $ 69,000 | $ 59,000 |
| JACKSON, MI | 9 | $ 395,000 | $ 43,000 | $ 51,000 |
| KANKAKEE, IL | 9 | $ 905,000 | $ 100,000 | $ 75,000 |
| KOKOMO, IN | 9 | $ 335,000 | $ 37,000 | $ 51,000 |
| AKRON, OH | 8 | $ 1,100,000 | $ 137,000 | $ 212,000 |
| BAY CITY, MI | 8 | $ 300,000 | $ 37,000 | $ 38,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 8 | $ 4,210,000 | $ 526,000 | $ 509,000 |
| SIOUX CITY, IA-NE-SD | 8 | $ 1,310,000 | $ 181,000 | $ 78,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 8 | $ 3,500,000 | $ 437,000 | $ 190,000 |
| COLORADO SPRINGS, CO | 7 | $ 2,525,000 | $ 360,000 | $ 98,000 |
| KANSAS CITY, MO-KS | 7 | $ 1,785,000 | $ 321,000 | $ 134,500 |
| SAGINAW, MI | 7 | $ 165,000 | $ 23,000 | $ 44,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 7 | $ 3,425,000 | $ 489,000 | $ 382,000 |
| AUSTIN-ROUND ROCK, TX | 5 | $ 2,135,000 | $ 427,000 | $ 186,000 |
| BLOOMINGTON, IL | 5 | $ 175,000 | $ 35,000 | $ 46,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 1,015,000 | $ 203,000 | $ 150,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 5 | $ 2,475,000 | $ 521,000 | $ 144,500 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 5 | $ 1,725,000 | $ 345,000 | $ 297,000 |
| FORT WAYNE, IN | 5 | $ 125,000 | $ 25,000 | $ 61,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 5 | $ 1,385,000 | $ 277,000 | $ 105,000 |
| PUNTA GORDA, FL | 5 | $ 895,000 | $ 179,000 | $ 71,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 4 | $ 2,450,000 | $ 612,000 | $ 184,000 |
| APPLETON, WI | 4 | $ 380,000 | $ 95,000 | $ 77,000 |
| COLUMBIA, MO | 4 | $ 610,000 | $ 152,000 | $ 83,000 |
| LA CROSSE-ONALASKA, WI-MN | 4 | $ 270,000 | $ 67,000 | $ 55,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 4 | $ 4,620,000 | $ 1,155,000 | $ 456,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 4 | $ 2,090,000 | $ 522,000 | $ 205,000 |
| RACINE, WI | 4 | $ 960,000 | $ 240,000 | $ 120,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 4 | $ 660,000 | $ 165,000 | $ 1,126,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 3 | $ 2,425,000 | $ 808,000 | $ 310,000 |
| GREENSBORO-HIGH POINT, NC | 3 | $ 905,000 | $ 301,000 | $ 106,000 |
| LINCOLN, NE | 3 | $ 1,045,000 | $ 348,000 | $ 164,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 3,125,000 | $ 1,041,000 | $ 289,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 3 | $ 1,495,000 | $ 498,000 | $ 404,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 545,000 | $ 181,000 | $ 152,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 3 | $ 715,000 | $ 238,000 | $ 287,000 |
| PORT ST. LUCIE, FL | 3 | $ 1,025,000 | $ 341,000 | $ 150,000 |
| RALEIGH, NC | 3 | $ 2,815,000 | $ 938,000 | $ 1,079,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 3 | $ 1,245,000 | $ 415,000 | $ 170,000 |
| ROCHESTER, MN | 3 | $ 735,000 | $ 245,000 | $ 185,000 |
| SEBASTIAN-VERO BEACH, FL | 3 | $ 935,000 | $ 311,000 | $ 85,000 |
| SHEBOYGAN, WI | 3 | $ 95,000 | $ 31,000 | $ 53,000 |
| TACOMA-LAKEWOOD, WA | 3 | $ 1,025,000 | $ 341,000 | $ 178,000 |
| TUCSON, AZ | 3 | $ 675,000 | $ 225,000 | $ 74,000 |
| TULSA, OK | 3 | $ 1,105,000 | $ 368,000 | $ 215,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 3 | $ 1,225,000 | $ 408,000 | $ 111,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 3 | $ 1,605,000 | $ 535,000 | $ 1,113,000 |
| ANCHORAGE, AK | 2 | $ 750,000 | $ 375,000 | $ 194,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 1,000,000 | $ 500,000 | $ 266,500 |
| BARNSTABLE TOWN, MA | 2 | $ 1,020,000 | $ 510,000 | $ 79,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 2 | $ 710,000 | $ 355,000 | $ 435,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 580,000 | $ 290,000 | $ 199,000 |
| FOND DU LAC, WI | 2 | $ 150,000 | $ 75,000 | $ 224,000 |
| GREELEY, CO | 2 | $ 970,000 | $ 485,000 | $ 172,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 2 | $ 450,000 | $ 225,000 | $ 143,000 |
| HICKORY-LENOIR-MORGANTON, NC | 2 | $ 580,000 | $ 290,000 | $ 213,000 |
| LIMA, OH | 2 | $ 110,000 | $ 55,000 | $ 44,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 2 | $ 100,000 | $ 50,000 | $ 45,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 520,000 | $ 260,000 | $ 111,000 |
| MORRISTOWN, TN | 2 | $ 640,000 | $ 320,000 | $ 186,000 |
| NEW HAVEN-MILFORD, CT | 2 | $ 760,000 | $ 380,000 | $ 284,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2 | $ 2,220,000 | $ 1,110,000 | $ 1,788,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 720,000 | $ 360,000 | $ 184,000 |
| PANAMA CITY, FL | 2 | $ 3,340,000 | $ 1,670,000 | $ 548,000 |
| PUEBLO, CO | 2 | $ 540,000 | $ 270,000 | $ 117,000 |
| ROCHESTER, NY | 2 | $ 420,000 | $ 210,000 | $ 146,000 |
| ST. JOSEPH, MO-KS | 2 | $ 100,000 | $ 50,000 | $ 68,000 |
| ALBUQUERQUE, NM | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 565,000 | $ 565,000 | $ 200,000 |
| AUBURN-OPELIKA, AL | 1 | $ 345,000 | $ 345,000 | $ 113,000 |
| BILLINGS, MT | 1 | $ 725,000 | $ 725,000 | $ 307,000 |
| BRUNSWICK, GA | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 1 | $ 495,000 | $ 495,000 | $ 540,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 1,205,000 | $ 1,205,000 | $ 525,000 |
| CHATTANOOGA, TN-GA | 1 | $ 465,000 | $ 465,000 | $ 131,000 |
| CHEYENNE, WY | 1 | $ 165,000 | $ 165,000 | $ 347,000 |
| COLUMBUS, GA-AL | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| CORPUS CHRISTI, TX | 1 | $ 365,000 | $ 365,000 | $ 106,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 1 | $ 725,000 | $ 725,000 | $ 400,000 |
| EUGENE, OR | 1 | $ 635,000 | $ 635,000 | $ 255,000 |
| FORT WORTH-ARLINGTON, TX | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| GRAND JUNCTION, CO | 1 | $ 435,000 | $ 435,000 | $ 200,000 |
| GREEN BAY, WI | 1 | $ 105,000 | $ 105,000 | $ 213,000 |
| GREENVILLE, NC | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| HATTIESBURG, MS | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| JACKSONVILLE, FL | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| JEFFERSON CITY, MO | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| KAHULUI-WAILUKU-LAHAINA, HI | 1 | $ 1,495,000 | $ 1,495,000 | $ 876,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| LUBBOCK, TX | 1 | $ 115,000 | $ 115,000 | $ 214,000 |
| LYNCHBURG, VA | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| MANHATTAN, KS | 1 | $ 405,000 | $ 405,000 | $ 185,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| MOBILE, AL | 1 | $ 265,000 | $ 265,000 | $ 231,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $ 355,000 | $ 355,000 | $ 215,000 |
| MUSKEGON, MI | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| NEW YORK-NEWARK, NY | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| OCALA, FL | 1 | $ 165,000 | $ 165,000 | $ 197,000 |
| OKLAHOMA CITY, OK | 1 | $ 395,000 | $ 395,000 | $ 241,000 |
| OSHKOSH-NEENAH, WI | 1 | $ 135,000 | $ 135,000 | $ 170,000 |
| PITTSBURGH, PA | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| SALT LAKE CITY, UT | 1 | $ 1,235,000 | $ 1,235,000 | $ 460,000 |
| SAN DIEGO-CARLSBAD, CA | 1 | $ 615,000 | $ 615,000 | $ 193,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 1,365,000 | $ 1,365,000 | $ 383,000 |
| SAVANNAH, GA | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 1 | $ 455,000 | $ 455,000 | $ 90,000 |
| SIERRA VISTA-DOUGLAS, AZ | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| SIOUX FALLS, SD | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| SPRINGFIELD, MO | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| SPRINGFIELD, OH | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| THE VILLAGES, FL | 1 | $ 615,000 | $ 615,000 | $ 803,000 |
| TUSCALOOSA, AL | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| VALDOSTA, GA | 1 | $ 295,000 | $ 295,000 | $ 92,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 465,000 | $ 465,000 | $ 135,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 1 | $ 475,000 | $ 475,000 | $ 220,000 |
| WAUSAU, WI | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| WICHITA, KS | 1 | $ 365,000 | $ 365,000 | $ 102,000 |
| WINSTON-SALEM, NC | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| WORCESTER, MA-CT | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Greenstate Credit Union in 2023
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 | 11,101 | $2,165,515,000 | $195,000 | $25,405,000 | $112,000 | $7,009,000 |
| Home Improvement | 2,405 | $143,585,000 | $59,000 | $505,000 | $127,000 | $1,636,000 |
| Cash-out Refinancing | 1,910 | $256,680,000 | $134,000 | $25,005,000 | $125,000 | $3,350,000 |
| Refinancing | 1,625 | $256,745,000 | $157,000 | $19,275,000 | $131,000 | $4,857,000 |
| Other Purpose | 1,287 | $106,665,000 | $82,000 | $875,000 | $129,000 | $3,857,000 |
| 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 | 13,185 | $2,008,585,000 | $152,000 | $3,005,000 | $123,000 | $7,009,000 |
| Hispanic | 2,304 | $291,170,000 | $126,000 | $1,235,000 | $85,000 | $3,857,000 |
| Not Provided | 1,359 | $225,595,000 | $166,000 | $3,005,000 | $127,000 | $1,641,000 |
| Black or African American | 734 | $98,860,000 | $134,000 | $1,705,000 | $100,000 | $3,350,000 |
| Asian | 523 | $128,855,000 | $246,000 | $1,905,000 | $155,000 | $921,000 |
| Not applicable | 98 | $153,940,000 | $1,570,000 | $25,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 78 | $9,930,000 | $127,000 | $1,215,000 | $108,000 | $735,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $935,000 | $103,000 | $205,000 | $87,000 | $341,000 |
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) | 17,431 | $2,713,775,000 | $155,000 | $25,405,000 | $120,000 | $7,009,000 |
| FHA-insured (Federal Housing Administration) | 653 | $147,175,000 | $225,000 | $645,000 | $84,000 | $281,000 |
| VA-guaranteed (Veterans Administration) | 214 | $63,530,000 | $296,000 | $1,215,000 | $114,000 | $550,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,710,000 | $157,000 | $335,000 | $66,000 | $134,000 |
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 | 12,347 | $2,140,015,000 | $173,000 | $19,275,000 | $124,000 | $4,857,000 |
| Application Withdrawn By Applicant | 2,937 | $553,925,000 | $188,000 | $25,405,000 | $122,000 | $4,320,000 |
| Application Denied By Financial Institution | 1,615 | $130,645,000 | $80,000 | $3,005,000 | $74,000 | $7,009,000 |
| File Closed For Incompleteness | 782 | $48,500,000 | $62,000 | $755,000 | $115,000 | $1,400,000 |
| Application Approved But Not Accepted | 634 | $53,050,000 | $83,000 | $825,000 | $102,000 | $677,000 |
| Loan Purchased By The Institution | 11 | $2,565,000 | $233,000 | $515,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 2 | $490,000 | $245,000 | $265,000 | $68,000 | $104,000 |
| Preapproval Approved but not Accepted | 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 | 16,711 | $2,798,055,000 | $167,000 | $25,405,000 | $123,000 | $4,857,000 |
| Debt-To-Income Ratio | 694 | $61,550,000 | $88,000 | $3,005,000 | $73,000 | $7,009,000 |
| Credit History | 642 | $36,700,000 | $57,000 | $435,000 | $72,000 | $500,000 |
| Collateral | 85 | $7,995,000 | $94,000 | $405,000 | $97,000 | $425,000 |
| Employment History | 83 | $8,815,000 | $106,000 | $1,715,000 | $67,000 | $305,000 |
| Unverifiable Information | 52 | $6,420,000 | $123,000 | $505,000 | $70,000 | $420,000 |
| Other | 38 | $3,880,000 | $102,000 | $525,000 | $77,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,890,000 | $271,000 | $695,000 | $129,000 | $224,000 |
| Credit Application Incomplete | 5 | $885,000 | $177,000 | $285,000 | $67,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Greenstate Credit Union's 2023 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 Greenstate 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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