Greenstate Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Greenstate Credit Union of North Liberty, IA reported 18,672 mortgage applications totaling $3.1 billion, up 2% from 2023. The average application was for $166,821, and applicants reported an average income of $125,717. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Des Moines-West Des Moines, IA (3,304), Cedar Rapids, IA (2,367) and Chicago-Naperville, IL (2,080) (applications in parentheses).
| 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 | 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 | 18,672 |
| Total Mortgage Loan Application Amount | $3,114,900,000 |
| Average Mortgage Loan Application Amount | $166,821 |
| Highest Mortgage Loan Application Amount | $4,655,000 |
| Average Applicant Income | $125,717 |
| Highest Applicant Income | $7,478,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Greenstate Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,304 | $ 604,690,000 | $ 183,017 | $ 144,000 |
| Outside any metro area | 2,427 | $ 282,605,000 | $ 116,442 | $ 105,862 |
| Cedar Rapids, IA | 2,367 | $ 334,595,000 | $ 141,358 | $ 110,000 |
| Chicago-Naperville, IL | 2,080 | $ 525,280,000 | $ 252,538 | $ 159,000 |
| Iowa City, IA | 2,040 | $ 343,270,000 | $ 168,269 | $ 147,000 |
| Davenport-Moline-Rock Island, IA-IL | 1,092 | $ 167,090,000 | $ 153,012 | $ 117,516 |
| Waterloo-Cedar Falls, IA | 1,064 | $ 144,880,000 | $ 136,165 | $ 114,000 |
| Rockford, IL | 908 | $ 149,270,000 | $ 164,394 | $ 106,000 |
| Elgin, IL | 471 | $ 98,525,000 | $ 209,182 | $ 126,000 |
| Dubuque, IA | 358 | $ 56,620,000 | $ 158,156 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 357 | $ 20,345,000 | $ 56,988 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 286 | $ 59,380,000 | $ 207,622 | $ 123,000 |
| Detroit-Dearborn-Livonia, MI | 202 | $ 12,630,000 | $ 62,524 | $ 67,000 |
| Ames, IA | 178 | $ 29,590,000 | $ 166,235 | $ 117,000 |
| Grand Rapids-Wyoming, MI | 177 | $ 14,015,000 | $ 79,180 | $ 61,000 |
| Indianapolis-Carmel-Anderson, IN | 110 | $ 10,780,000 | $ 98,000 | $ 81,000 |
| Ann Arbor, MI | 73 | $ 8,715,000 | $ 119,383 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 55 | $ 15,915,000 | $ 289,363 | $ 242,454 |
| Lansing-East Lansing, MI | 53 | $ 2,905,000 | $ 54,811 | $ 59,000 |
| Denver-Aurora-Lakewood, CO | 46 | $ 23,670,000 | $ 514,565 | $ 177,000 |
| Springfield, IL | 39 | $ 1,735,000 | $ 44,487 | $ 70,000 |
| Omaha-Council Bluffs, NE-IA | 38 | $ 7,780,000 | $ 204,736 | $ 182,368 |
| Toledo, OH | 38 | $ 2,060,000 | $ 54,210 | $ 56,000 |
| Dayton-Springfield-Kettering, OH | 31 | $ 1,545,000 | $ 49,838 | $ 51,000 |
| Lake County-Porter County-Jasper County, IN | 29 | $ 5,115,000 | $ 176,379 | $ 136,000 |
| St. Louis, MO-IL | 29 | $ 4,955,000 | $ 170,862 | $ 126,896 |
| Flint, MI | 28 | $ 1,250,000 | $ 44,642 | $ 62,000 |
| Niles-Benton Harbor, MI | 27 | $ 2,835,000 | $ 105,000 | $ 100,000 |
| Fort Wayne, IN | 26 | $ 1,600,000 | $ 61,538 | $ 54,000 |
| Janesville-Beloit, WI | 26 | $ 4,830,000 | $ 185,769 | $ 92,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 4,395,000 | $ 191,086 | $ 106,000 |
| Columbus, OH | 22 | $ 2,900,000 | $ 131,818 | $ 107,000 |
| Appleton, WI | 21 | $ 2,485,000 | $ 118,333 | $ 95,000 |
| Madison, WI | 21 | $ 4,795,000 | $ 228,333 | $ 118,000 |
| Michigan City-La Porte, IN | 20 | $ 1,900,000 | $ 95,000 | $ 91,000 |
| Eau Claire, WI | 19 | $ 1,345,000 | $ 70,789 | $ 63,000 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 8,875,000 | $ 522,058 | $ 271,000 |
| Louisville/Jefferson County, KY-IN | 16 | $ 3,030,000 | $ 189,375 | $ 127,250 |
| Bay City, MI | 15 | $ 565,000 | $ 37,666 | $ 46,000 |
| Cincinnati, OH-KY-IN | 15 | $ 1,665,000 | $ 111,000 | $ 76,333 |
| Columbus, IN | 15 | $ 775,000 | $ 51,666 | $ 54,000 |
| Elkhart-Goshen, IN | 15 | $ 1,105,000 | $ 73,666 | $ 74,000 |
| Kokomo, IN | 15 | $ 965,000 | $ 64,333 | $ 48,000 |
| Monroe, MI | 15 | $ 835,000 | $ 55,666 | $ 71,000 |
| Bloomington, IL | 14 | $ 1,890,000 | $ 135,000 | $ 110,000 |
| Decatur, IL | 14 | $ 840,000 | $ 60,000 | $ 70,000 |
| Traverse City, MI | 14 | $ 4,040,000 | $ 288,571 | $ 197,000 |
| Cleveland, OH | 13 | $ 2,055,000 | $ 158,076 | $ 102,000 |
| Kalamazoo-Portage, MI | 13 | $ 605,000 | $ 46,538 | $ 58,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 4,090,000 | $ 340,833 | $ 183,000 |
| Kankakee, IL | 11 | $ 1,625,000 | $ 147,727 | $ 100,000 |
| Kenosha, WI | 11 | $ 1,625,000 | $ 147,727 | $ 112,000 |
| La Crosse-Onalaska, WI-MN | 11 | $ 1,535,000 | $ 139,545 | $ 99,636 |
| Akron, OH | 10 | $ 460,000 | $ 46,000 | $ 70,000 |
| Champaign-Urbana, IL | 10 | $ 720,000 | $ 72,000 | $ 85,000 |
| Kansas City, MO-KS | 10 | $ 2,620,000 | $ 262,000 | $ 183,300 |
| Lafayette-West Lafayette, IN | 10 | $ 890,000 | $ 89,000 | $ 88,000 |
| Muskegon, MI | 10 | $ 580,000 | $ 58,000 | $ 136,000 |
| Sioux City, IA-NE-SD | 10 | $ 610,000 | $ 61,000 | $ 79,500 |
| Battle Creek, MI | 9 | $ 355,000 | $ 39,444 | $ 57,000 |
| Green Bay, WI | 8 | $ 1,770,000 | $ 221,250 | $ 130,000 |
| Sioux Falls, SD | 8 | $ 2,330,000 | $ 291,250 | $ 253,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 4,775,000 | $ 682,142 | $ 828,000 |
| Chattanooga, TN-GA | 7 | $ 2,315,000 | $ 330,714 | $ 139,000 |
| Dallas-Plano-Irving, TX | 7 | $ 4,705,000 | $ 672,142 | $ 312,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 4,145,000 | $ 592,142 | $ 398,000 |
| Peoria, IL | 7 | $ 1,355,000 | $ 193,571 | $ 197,000 |
| Jackson, MI | 6 | $ 270,000 | $ 45,000 | $ 45,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 4,060,000 | $ 676,666 | $ 311,000 |
| Wausau, WI | 6 | $ 250,000 | $ 41,666 | $ 62,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 2,905,000 | $ 581,000 | $ 234,000 |
| Bloomington, IN | 5 | $ 275,000 | $ 55,000 | $ 63,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,795,000 | $ 359,000 | $ 351,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,985,000 | $ 397,000 | $ 254,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 2,445,000 | $ 489,000 | $ 230,000 |
| Charleston-North Charleston, SC | 4 | $ 3,370,000 | $ 842,500 | $ 709,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,700,000 | $ 425,000 | $ 133,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,910,000 | $ 477,500 | $ 419,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 2,760,000 | $ 690,000 | $ 328,000 |
| Newark, NJ-PA | 4 | $ 2,350,000 | $ 587,500 | $ 217,000 |
| Tucson, AZ | 4 | $ 2,650,000 | $ 662,500 | $ 268,000 |
| Arlington-Alexandria-Reston, VA-WV | 3 | $ 1,575,000 | $ 525,000 | $ 123,000 |
| Fayetteville, NC | 3 | $ 1,105,000 | $ 368,333 | $ 166,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 825,000 | $ 275,000 | $ 244,000 |
| Knoxville, TN | 3 | $ 1,465,000 | $ 488,333 | $ 171,000 |
| Lima, OH | 3 | $ 115,000 | $ 38,333 | $ 34,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 715,000 | $ 238,333 | $ 123,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,715,000 | $ 905,000 | $ 377,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 2,865,000 | $ 955,000 | $ 296,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,505,000 | $ 501,666 | $ 212,000 |
| Nassau County-Suffolk County, NY | 3 | $ 1,705,000 | $ 568,333 | $ 394,000 |
| New Haven-Milford, CT | 3 | $ 1,535,000 | $ 511,666 | $ 191,000 |
| Oshkosh-Neenah, WI | 3 | $ 135,000 | $ 45,000 | $ 133,000 |
| Providence-Warwick, RI-MA | 3 | $ 2,095,000 | $ 698,333 | $ 270,000 |
| Saginaw, MI | 3 | $ 65,000 | $ 21,666 | $ 39,000 |
| Sheboygan, WI | 3 | $ 315,000 | $ 105,000 | $ 137,000 |
| Waco, TX | 3 | $ 815,000 | $ 271,666 | $ 114,000 |
| Albuquerque, NM | 2 | $ 670,000 | $ 335,000 | $ 122,000 |
| Austin-Round Rock, TX | 2 | $ 780,000 | $ 390,000 | $ 113,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,010,000 | $ 505,000 | $ 225,000 |
| Boulder, CO | 2 | $ 1,320,000 | $ 660,000 | $ 226,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,830,000 | $ 915,000 | $ 310,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 1,010,000 | $ 505,000 | $ 250,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,570,000 | $ 785,000 | $ 259,000 |
| Cheyenne, WY | 2 | $ 380,000 | $ 190,000 | $ 482,000 |
| Colorado Springs, CO | 2 | $ 510,000 | $ 255,000 | $ 79,000 |
| Columbia, MO | 2 | $ 260,000 | $ 130,000 | $ 107,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 910,000 | $ 455,000 | $ 186,000 |
| Durham-Chapel Hill, NC | 2 | $ 820,000 | $ 410,000 | $ 179,000 |
| Greenville, NC | 2 | $ 350,000 | $ 175,000 | $ 285,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 1,000,000 | $ 500,000 | $ 290,000 |
| Marietta, GA | 2 | $ 810,000 | $ 405,000 | $ 140,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 490,000 | $ 245,000 | $ 112,000 |
| Memphis, TN-MS-AR | 2 | $ 580,000 | $ 290,000 | $ 175,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,420,000 | $ 710,000 | $ 608,000 |
| Oklahoma City, OK | 2 | $ 440,000 | $ 220,000 | $ 167,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,190,000 | $ 595,000 | $ 231,500 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,830,000 | $ 915,000 | $ 1,154,000 |
| Racine, WI | 2 | $ 190,000 | $ 95,000 | $ 103,000 |
| Rochester, MN | 2 | $ 70,000 | $ 35,000 | $ 142,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 400,000 | $ 200,000 | $ 137,000 |
| Springfield, MO | 2 | $ 230,000 | $ 115,000 | $ 116,000 |
| Springfield, OH | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Tampa, FL | 2 | $ 960,000 | $ 480,000 | $ 108,000 |
| Tulsa, OK | 2 | $ 320,000 | $ 160,000 | $ 200,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,560,000 | $ 780,000 | $ 1,082,000 |
| Wildwood-The Villages, FL | 2 | $ 670,000 | $ 335,000 | $ 158,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 665,000 | $ 665,000 | $ 202,000 |
| Anchorage, AK | 1 | $ 375,000 | $ 375,000 | $ 197,000 |
| Baton Rouge, LA | 1 | $ 465,000 | $ 465,000 | $ 174,000 |
| Birmingham-Hoover, AL | 1 | $ 315,000 | $ 315,000 | $ 1,000,000 |
| Boise City, ID | 1 | $ 515,000 | $ 515,000 | $ 343,000 |
| Boston, MA | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Columbia, SC | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Columbus, GA-AL | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Farmington, NM | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| Grand Junction, CO | 1 | $ 435,000 | $ 435,000 | $ 244,000 |
| Greeley, CO | 1 | $ 295,000 | $ 295,000 | $ 209,000 |
| Greensboro-High Point, NC | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 125,000 | $ 125,000 | $ 245,000 |
| Harrisburg-Carlisle, PA | 1 | $ 355,000 | $ 355,000 | $ 109,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 355,000 | $ 355,000 | $ 185,000 |
| Huntsville, AL | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Jacksonville, FL | 1 | $ 135,000 | $ 135,000 | $ 245,000 |
| Joplin, MO | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Lakeland-Winter Haven, FL | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Lawrence, KS | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Lexington Park, MD | 1 | $ 165,000 | $ 165,000 | $ 146,000 |
| Lexington-Fayette, KY | 1 | $ 375,000 | $ 375,000 | $ 238,000 |
| Lubbock, TX | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Manchester-Nashua, NH | 1 | $ 605,000 | $ 605,000 | $ 212,000 |
| Midland, TX | 1 | $ 715,000 | $ 715,000 | $ 848,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 245,000 | $ 245,000 | $ 149,000 |
| Montgomery, AL | 1 | $ 55,000 | $ 55,000 | $ 149,000 |
| Muncie, IN | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 705,000 | $ 705,000 | $ 166,000 |
| Owensboro, KY | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Panama City, FL | 1 | $ 765,000 | $ 765,000 | $ 459,000 |
| Portland-South Portland, ME | 1 | $ 505,000 | $ 505,000 | $ 233,000 |
| Punta Gorda, FL | 1 | $ 345,000 | $ 345,000 | $ 169,000 |
| Reno, NV | 1 | $ 1,005,000 | $ 1,005,000 | $ 500,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 605,000 | $ 605,000 | $ 149,000 |
| Rockingham County-Strafford County, NH | 1 | $ 715,000 | $ 715,000 | $ 212,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 765,000 | $ 765,000 | $ 7,478,000 |
| Sandusky, OH | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Santa Fe, NM | 1 | $ 325,000 | $ 325,000 | $ 477,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 995,000 | $ 995,000 | $ 230,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 455,000 | $ 455,000 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 545,000 | $ 545,000 | $ 277,000 |
| Sebastian-Vero Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 185,000 | $ 185,000 | $ 208,000 |
| Tacoma-Lakewood, WA | 1 | $ 595,000 | $ 595,000 | $ 287,000 |
| Tallahassee, FL | 1 | $ 415,000 | $ 415,000 | $ 506,000 |
| Trenton, NJ | 1 | $ 1,455,000 | $ 1,455,000 | $ 531,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Washington, DC-MD | 1 | $ 745,000 | $ 745,000 | $ 267,000 |
| Waterbury-Shelton, CT | 1 | $ 305,000 | $ 305,000 | $ 210,000 |
| Wilmington, DE-MD-NJ | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| York-Hanover, PA | 1 | $ 565,000 | $ 565,000 | $ 410,000 |
Mortgage Loan Application Detail Totals for Greenstate Credit Union in 2024
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 | 11,286 | $2,198,940,000 | $194,000 | $4,655,000 | $119,000 | $7,478,000 |
| Refinancing | 2,300 | $460,520,000 | $200,000 | $2,005,000 | $149,000 | $2,629,000 |
| Home Improvement | 2,041 | $125,485,000 | $61,000 | $525,000 | $124,000 | $1,087,000 |
| Cash-out Refinancing | 1,844 | $235,990,000 | $127,000 | $4,355,000 | $133,000 | $3,062,000 |
| Other Purpose | 1,201 | $93,965,000 | $78,000 | $605,000 | $136,000 | $4,070,000 |
| 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 | 13,082 | $2,146,370,000 | $164,000 | $2,145,000 | $129,000 | $3,062,000 |
| Hispanic | 2,318 | $319,910,000 | $138,000 | $755,000 | $91,000 | $4,070,000 |
| Not Provided | 1,718 | $327,350,000 | $190,000 | $1,485,000 | $140,000 | $2,013,000 |
| Black or African American | 740 | $90,370,000 | $122,000 | $765,000 | $99,000 | $7,478,000 |
| Asian | 646 | $173,020,000 | $267,000 | $2,005,000 | $183,000 | $1,700,000 |
| Not applicable | 73 | $48,025,000 | $657,000 | $4,655,000 | $0 | $0 |
| American Indian or Alaskan Native | 72 | $7,430,000 | $103,000 | $395,000 | $111,000 | $582,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $2,425,000 | $105,000 | $315,000 | $70,000 | $136,000 |
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) | 17,780 | $2,881,540,000 | $162,000 | $4,655,000 | $128,000 | $7,478,000 |
| FHA-insured (Federal Housing Administration) | 586 | $134,690,000 | $229,000 | $745,000 | $86,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 283 | $94,475,000 | $333,000 | $1,845,000 | $118,000 | $495,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $4,195,000 | $182,000 | $365,000 | $73,000 | $105,000 |
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 | 12,784 | $2,357,830,000 | $184,000 | $4,655,000 | $134,000 | $7,478,000 |
| Application Withdrawn By Applicant | 2,644 | $514,750,000 | $194,000 | $2,005,000 | $138,000 | $3,062,000 |
| Application Denied By Financial Institution | 2,078 | $157,590,000 | $75,000 | $3,605,000 | $72,000 | $4,070,000 |
| Application Approved But Not Accepted | 635 | $47,515,000 | $74,000 | $955,000 | $103,000 | $2,552,000 |
| File Closed For Incompleteness | 518 | $34,190,000 | $66,000 | $725,000 | $116,000 | $901,000 |
| Loan Purchased By The Institution | 13 | $3,025,000 | $232,000 | $595,000 | $0 | $0 |
| 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 | 16,594 | $2,957,310,000 | $178,000 | $4,655,000 | $133,000 | $7,478,000 |
| Debt-To-Income Ratio | 871 | $66,025,000 | $75,000 | $1,075,000 | $60,000 | $1,913,000 |
| Credit History | 833 | $48,715,000 | $58,000 | $475,000 | $84,000 | $4,070,000 |
| Employment History | 124 | $9,270,000 | $74,000 | $635,000 | $59,000 | $186,000 |
| Unverifiable Information | 108 | $10,220,000 | $94,000 | $465,000 | $66,000 | $224,000 |
| Collateral | 75 | $7,585,000 | $101,000 | $455,000 | $90,000 | $370,000 |
| Other | 48 | $10,860,000 | $226,000 | $3,605,000 | $109,000 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,500,000 | $250,000 | $995,000 | $138,000 | $733,000 |
| Mortgage Insurance Denied | 1 | $415,000 | $415,000 | $415,000 | $110,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Greenstate Credit Union's 2024 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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