Utilities Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Utilities Employees Credit Union 2020 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 | Utilities Employees Credit Union 11 Meridian Blvd Wyomissing, PA 19610 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 | 712 |
| Total Mortgage Loan Application Amount | $87,190,000 |
| Average Mortgage Loan Application Amount | $132,400 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $144,000 |
| Highest Applicant Income | $8,341,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Utilities Employees 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 Utilities Employees Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Utilities Employees 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 Utilities Employees Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Utilities Employees 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 Utilities Employees Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berks County Pennsylvania | 130 | $ 12,030,000 | $ 92,000 | $ 175,000 |
| Ocean County New Jersey | 13 | $ 3,345,000 | $ 257,000 | $ 111,000 |
| Northampton County Pennsylvania | 10 | $ 1,910,000 | $ 191,000 | $ 128,000 |
| Monmouth County New Jersey | 7 | $ 2,395,000 | $ 342,000 | $ 120,000 |
| Erie County New York | 7 | $ 1,355,000 | $ 193,000 | $ 81,000 |
| Somerset County New Jersey | 6 | $ 1,750,000 | $ 291,000 | $ 168,000 |
| Lexington County South Carolina | 5 | $ 1,725,000 | $ 345,000 | $ 170,000 |
| St. Lucie County Florida | 4 | $ 1,060,000 | $ 265,000 | $ 120,000 |
| Morris County New Jersey | 4 | $ 1,450,000 | $ 362,000 | $ 26,000 |
| Sussex County New Jersey | 4 | $ 800,000 | $ 200,000 | $ 95,000 |
| Gaston County North Carolina | 4 | $ 820,000 | $ 205,000 | $ 91,000 |
| Wake County North Carolina | 4 | $ 860,000 | $ 215,000 | $ 123,000 |
| Lancaster County Pennsylvania | 4 | $ 530,000 | $ 132,000 | $ 66,000 |
| Lebanon County Pennsylvania | 4 | $ 740,000 | $ 185,000 | $ 107,000 |
| Monroe County Pennsylvania | 4 | $ 730,000 | $ 182,000 | $ 172,000 |
| York County South Carolina | 4 | $ 960,000 | $ 240,000 | $ 105,000 |
| Armstrong County Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 98,000 |
| Chester County Pennsylvania | 3 | $ 1,045,000 | $ 348,000 | $ 116,000 |
| Dauphin County Pennsylvania | 3 | $ 445,000 | $ 148,000 | $ 70,000 |
| Pinellas County Florida | 2 | $ 550,000 | $ 275,000 | $ 78,000 |
| Gwinnett County Georgia | 2 | $ 730,000 | $ 365,000 | $ 155,000 |
| Cape May County New Jersey | 2 | $ 560,000 | $ 280,000 | $ 170,000 |
| Middlesex County New Jersey | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Union County New Jersey | 2 | $ 620,000 | $ 310,000 | $ 135,000 |
| Delaware County New York | 2 | $ 180,000 | $ 90,000 | $ 90,000 |
| Monroe County New York | 2 | $ 350,000 | $ 175,000 | $ 101,000 |
| Henderson County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 72,000 |
| Mecklenburg County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 146,000 |
| Montgomery County Ohio | 2 | $ 310,000 | $ 155,000 | $ 30,000 |
| Bradford County Pennsylvania | 2 | $ 640,000 | $ 320,000 | $ 91,000 |
| Butler County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 108,000 |
| Clearfield County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 125,000 |
| Delaware County Pennsylvania | 2 | $ 740,000 | $ 370,000 | $ 174,000 |
| Erie County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 87,000 |
| Indiana County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 82,000 |
| Jefferson County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 1,410,000 | $ 705,000 | $ 291,000 |
| Susquehanna County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 69,000 |
| Tioga County Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 138,000 |
| York County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 87,000 |
| Beaufort County South Carolina | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Orangeburg County South Carolina | 2 | $ 280,000 | $ 140,000 | $ 56,000 |
| Pickens County South Carolina | 2 | $ 450,000 | $ 225,000 | $ 156,000 |
| Tulare County California | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Teller County Colorado | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Fairfield County Connecticut | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Duval County Florida | 1 | $ 485,000 | $ 485,000 | $ 236,000 |
| Flagler County Florida | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Marion County Florida | 1 | $ 35,000 | $ 35,000 | $ 5,480,000 |
| Martin County Florida | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Orange County Florida | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Osceola County Florida | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Seminole County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Effingham County Georgia | 1 | $ 75,000 | $ 75,000 | $ 6,265,000 |
| Fulton County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Perry County Illinois | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Vigo County Indiana | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Baltimore City County Maryland | 1 | $ 755,000 | $ 755,000 | $ 279,000 |
| Worcester County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Bergen County New Jersey | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Camden County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Essex County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Gloucester County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Hunterdon County New Jersey | 1 | $ 365,000 | $ 365,000 | $ 139,000 |
| Mercer County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Albany County New York | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Broome County New York | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Cayuga County New York | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Columbia County New York | 1 | $ 135,000 | $ 135,000 | $ 174,000 |
| Essex County New York | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Herkimer County New York | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Ontario County New York | 1 | $ 385,000 | $ 385,000 | $ 209,000 |
| Steuben County New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Ulster County New York | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Yates County New York | 1 | $ 205,000 | $ 205,000 | $ 246,000 |
| Camden County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 38,000 |
| Granville County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 90,000 |
| Guilford County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 165,000 |
| Iredell County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Moore County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| New Hanover County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Medina County Ohio | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Allegheny County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 123,000 |
| Bucks County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Cambria County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Centre County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Cumberland County Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 194,000 |
| Huntingdon County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Somerset County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Venango County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Warren County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 132,000 |
| Westmoreland County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Fairfield County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 166,000 |
| Georgetown County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 243,000 |
| Oconee County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 205,000 |
| Richland County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 214,000 |
| Sumter County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Williamsburg County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Cooke County Texas | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Dallas County Texas | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Kaufman County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cache County Utah | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Isle of Wight County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pulaski County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pendleton County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Utilities Employees Credit Union in 2020
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 Improvement | 173 | $9,215,000 | $53,000 | $275,000 | $162,000 | $8,341,000 |
| Refinancing | 166 | $26,490,000 | $159,000 | $1,485,000 | $203,000 | $6,265,000 |
| Other Purpose | 157 | $8,765,000 | $55,000 | $295,000 | $121,000 | $1,462,000 |
| Cash-out Refinancing | 127 | $24,855,000 | $195,000 | $715,000 | $117,000 | $297,000 |
| Home Purchase | 89 | $17,865,000 | $200,000 | $965,000 | $117,000 | $387,000 |
| 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 | 627 | $78,625,000 | $125,000 | $1,485,000 | $117,000 | $1,372,000 |
| Black or African American | 39 | $4,085,000 | $104,000 | $505,000 | $137,000 | $1,462,000 |
| Not Provided | 33 | $2,925,000 | $88,000 | $395,000 | $741,000 | $8,341,000 |
| Hispanic | 9 | $885,000 | $98,000 | $175,000 | $89,000 | $195,000 |
| Asian | 2 | $480,000 | $240,000 | $445,000 | $150,000 | $196,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $89,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 712 | $87,190,000 | $122,000 | $1,485,000 | $148,000 | $8,341,000 |
| 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 | 491 | $56,155,000 | $114,000 | $1,485,000 | $161,000 | $8,341,000 |
| Application Withdrawn By Applicant | 75 | $10,715,000 | $142,000 | $735,000 | $132,000 | $1,372,000 |
| Application Denied By Financial Institution | 58 | $6,380,000 | $110,000 | $505,000 | $84,000 | $289,000 |
| Application Approved But Not Accepted | 57 | $11,895,000 | $208,000 | $965,000 | $110,000 | $387,000 |
| File Closed For Incompleteness | 31 | $2,045,000 | $65,000 | $235,000 | $93,000 | $240,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 654 | $80,810,000 | $123,000 | $1,485,000 | $153,000 | $8,341,000 |
| Collateral | 19 | $1,455,000 | $76,000 | $175,000 | $105,000 | $218,000 |
| Credit History | 19 | $1,645,000 | $86,000 | $235,000 | $61,000 | $118,000 |
| Debt-To-Income Ratio | 11 | $2,225,000 | $202,000 | $425,000 | $54,000 | $90,000 |
| Credit Application Incomplete | 5 | $105,000 | $21,000 | $35,000 | $129,000 | $289,000 |
| Other | 2 | $630,000 | $315,000 | $505,000 | $184,000 | $220,000 |
| Employment History | 2 | $320,000 | $160,000 | $205,000 | $64,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Utilities Employees Credit Union's 2020 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 Utilities Employees 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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