Utilities Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Utilities Employees 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 | 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 | 1,161 |
| Total Mortgage Loan Application Amount | $125,905,000 |
| Average Mortgage Loan Application Amount | $130,800 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $131,200 |
| Highest Applicant Income | $968,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 189 | $ 18,455,000 | $ 97,000 | $ 122,000 |
| Ocean County New Jersey | 51 | $ 6,185,000 | $ 121,000 | $ 138,000 |
| Monmouth County New Jersey | 37 | $ 4,525,000 | $ 122,000 | $ 167,000 |
| Northampton County Pennsylvania | 34 | $ 2,600,000 | $ 76,000 | $ 109,000 |
| Lancaster County Pennsylvania | 31 | $ 3,705,000 | $ 119,000 | $ 125,000 |
| Montgomery County Pennsylvania | 25 | $ 3,775,000 | $ 151,000 | $ 160,000 |
| Lexington County South Carolina | 23 | $ 2,505,000 | $ 108,000 | $ 140,000 |
| York County Pennsylvania | 21 | $ 2,105,000 | $ 100,000 | $ 123,000 |
| Erie County Pennsylvania | 18 | $ 1,660,000 | $ 92,000 | $ 102,000 |
| Indiana County Pennsylvania | 18 | $ 1,660,000 | $ 92,000 | $ 118,000 |
| Morris County New Jersey | 16 | $ 1,600,000 | $ 100,000 | $ 147,000 |
| Lehigh County Pennsylvania | 16 | $ 1,690,000 | $ 105,000 | $ 122,000 |
| Richland County South Carolina | 16 | $ 970,000 | $ 60,000 | $ 122,000 |
| Gaston County North Carolina | 12 | $ 1,270,000 | $ 105,000 | $ 89,000 |
| Chester County Pennsylvania | 12 | $ 1,520,000 | $ 126,000 | $ 197,000 |
| Dauphin County Pennsylvania | 12 | $ 1,010,000 | $ 84,000 | $ 130,000 |
| Westmoreland County Pennsylvania | 12 | $ 1,360,000 | $ 113,000 | $ 160,000 |
| Warren County New Jersey | 11 | $ 1,165,000 | $ 105,000 | $ 161,000 |
| Broome County New York | 10 | $ 470,000 | $ 47,000 | $ 133,000 |
| Cambria County Pennsylvania | 10 | $ 790,000 | $ 79,000 | $ 84,000 |
| Sussex County New Jersey | 9 | $ 1,235,000 | $ 137,000 | $ 127,000 |
| Allegheny County Pennsylvania | 9 | $ 665,000 | $ 73,000 | $ 144,000 |
| Lebanon County Pennsylvania | 9 | $ 1,175,000 | $ 130,000 | $ 135,000 |
| Middlesex County New Jersey | 8 | $ 1,080,000 | $ 135,000 | $ 96,000 |
| Monroe County Pennsylvania | 8 | $ 660,000 | $ 82,000 | $ 98,000 |
| Sussex County Delaware | 7 | $ 885,000 | $ 126,000 | $ 120,000 |
| Bucks County Pennsylvania | 7 | $ 745,000 | $ 106,000 | $ 123,000 |
| Cumberland County Pennsylvania | 7 | $ 885,000 | $ 126,000 | $ 164,000 |
| Newberry County South Carolina | 7 | $ 735,000 | $ 105,000 | $ 117,000 |
| Maricopa County Arizona | 6 | $ 1,970,000 | $ 328,000 | $ 136,000 |
| Mecklenburg County North Carolina | 6 | $ 580,000 | $ 96,000 | $ 157,000 |
| Blair County Pennsylvania | 6 | $ 400,000 | $ 66,000 | $ 145,000 |
| Butler County Pennsylvania | 6 | $ 500,000 | $ 83,000 | $ 125,000 |
| Clearfield County Pennsylvania | 6 | $ 240,000 | $ 40,000 | $ 82,000 |
| Schuylkill County Pennsylvania | 6 | $ 540,000 | $ 90,000 | $ 96,000 |
| Fulton County Georgia | 5 | $ 385,000 | $ 77,000 | $ 216,000 |
| Cayuga County New York | 5 | $ 375,000 | $ 75,000 | $ 173,000 |
| Brunswick County North Carolina | 5 | $ 655,000 | $ 131,000 | $ 112,000 |
| Buncombe County North Carolina | 5 | $ 665,000 | $ 133,000 | $ 103,000 |
| Wake County North Carolina | 5 | $ 755,000 | $ 151,000 | $ 106,000 |
| Carbon County Pennsylvania | 5 | $ 395,000 | $ 79,000 | $ 126,000 |
| Centre County Pennsylvania | 5 | $ 725,000 | $ 145,000 | $ 304,000 |
| Mifflin County Pennsylvania | 5 | $ 565,000 | $ 113,000 | $ 146,000 |
| Somerset County Pennsylvania | 5 | $ 315,000 | $ 63,000 | $ 77,000 |
| Tioga County Pennsylvania | 5 | $ 425,000 | $ 85,000 | $ 139,000 |
| Warren County Pennsylvania | 5 | $ 395,000 | $ 79,000 | $ 84,000 |
| Kershaw County South Carolina | 5 | $ 325,000 | $ 65,000 | $ 119,000 |
| Chesterfield County Virginia | 5 | $ 365,000 | $ 73,000 | $ 118,000 |
| Marion County Florida | 4 | $ 510,000 | $ 127,000 | $ 76,000 |
| Anne Arundel County Maryland | 4 | $ 200,000 | $ 50,000 | $ 132,000 |
| Baltimore County Maryland | 4 | $ 350,000 | $ 87,000 | $ 152,000 |
| Frederick County Maryland | 4 | $ 200,000 | $ 50,000 | $ 96,000 |
| Mercer County New Jersey | 4 | $ 670,000 | $ 167,000 | $ 173,000 |
| Somerset County New Jersey | 4 | $ 450,000 | $ 112,000 | $ 178,000 |
| Clinton County New York | 4 | $ 350,000 | $ 87,000 | $ 151,000 |
| Cortland County New York | 4 | $ 260,000 | $ 65,000 | $ 73,000 |
| Sullivan County New York | 4 | $ 460,000 | $ 115,000 | $ 129,000 |
| Westchester County New York | 4 | $ 760,000 | $ 190,000 | $ 295,000 |
| Bradford County Pennsylvania | 4 | $ 310,000 | $ 77,000 | $ 104,000 |
| Huntingdon County Pennsylvania | 4 | $ 390,000 | $ 97,000 | $ 90,000 |
| Luzerne County Pennsylvania | 4 | $ 760,000 | $ 190,000 | $ 152,000 |
| Venango County Pennsylvania | 4 | $ 290,000 | $ 72,000 | $ 64,000 |
| Dorchester County South Carolina | 4 | $ 280,000 | $ 70,000 | $ 95,000 |
| Orange County California | 3 | $ 1,615,000 | $ 538,000 | $ 222,000 |
| New Castle County Delaware | 3 | $ 465,000 | $ 155,000 | $ 136,000 |
| Lee County Florida | 3 | $ 225,000 | $ 75,000 | $ 93,000 |
| Cook County Illinois | 3 | $ 455,000 | $ 151,000 | $ 95,000 |
| Berkshire County Massachusetts | 3 | $ 185,000 | $ 61,000 | $ 113,000 |
| Albany County New York | 3 | $ 405,000 | $ 135,000 | $ 131,000 |
| Dutchess County New York | 3 | $ 615,000 | $ 205,000 | $ 186,000 |
| Niagara County New York | 3 | $ 235,000 | $ 78,000 | $ 86,000 |
| Oneida County New York | 3 | $ 265,000 | $ 88,000 | $ 141,000 |
| Ontario County New York | 3 | $ 365,000 | $ 121,000 | $ 98,000 |
| Orleans County New York | 3 | $ 185,000 | $ 61,000 | $ 95,000 |
| Otsego County New York | 3 | $ 365,000 | $ 121,000 | $ 104,000 |
| Saratoga County New York | 3 | $ 125,000 | $ 41,000 | $ 154,000 |
| Tioga County New York | 3 | $ 485,000 | $ 161,000 | $ 101,000 |
| Johnston County North Carolina | 3 | $ 235,000 | $ 78,000 | $ 106,000 |
| Cuyahoga County Ohio | 3 | $ 475,000 | $ 158,000 | $ 92,000 |
| Clarion County Pennsylvania | 3 | $ 135,000 | $ 45,000 | $ 136,000 |
| Clinton County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 82,000 |
| Crawford County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 111,000 |
| Philadelphia County Pennsylvania | 3 | $ 455,000 | $ 151,000 | $ 157,000 |
| Pike County Pennsylvania | 3 | $ 255,000 | $ 85,000 | $ 171,000 |
| Aiken County South Carolina | 3 | $ 155,000 | $ 51,000 | $ 121,000 |
| Beaufort County South Carolina | 3 | $ 465,000 | $ 155,000 | $ 57,000 |
| Charleston County South Carolina | 3 | $ 1,215,000 | $ 405,000 | $ 197,000 |
| York County South Carolina | 3 | $ 185,000 | $ 61,000 | $ 164,000 |
| Lassen County California | 2 | $ 90,000 | $ 45,000 | $ 184,000 |
| New Haven County Connecticut | 2 | $ 80,000 | $ 40,000 | $ 100,000 |
| Kent County Delaware | 2 | $ 80,000 | $ 40,000 | $ 134,000 |
| Brevard County Florida | 2 | $ 50,000 | $ 25,000 | $ 113,000 |
| Charlotte County Florida | 2 | $ 270,000 | $ 135,000 | $ 113,000 |
| Flagler County Florida | 2 | $ 100,000 | $ 50,000 | $ 119,000 |
| Hernando County Florida | 2 | $ 130,000 | $ 65,000 | $ 110,000 |
| Hillsborough County Florida | 2 | $ 100,000 | $ 50,000 | $ 32,000 |
| Martin County Florida | 2 | $ 410,000 | $ 205,000 | $ 156,000 |
| Orange County Florida | 2 | $ 300,000 | $ 150,000 | $ 102,000 |
| Palm Beach County Florida | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Sarasota County Florida | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Seminole County Florida | 2 | $ 250,000 | $ 125,000 | $ 196,000 |
| St. Lucie County Florida | 2 | $ 290,000 | $ 145,000 | $ 96,000 |
| Volusia County Florida | 2 | $ 420,000 | $ 210,000 | $ 60,000 |
| Bacon County Georgia | 2 | $ 210,000 | $ 105,000 | $ 87,000 |
| Bartow County Georgia | 2 | $ 160,000 | $ 80,000 | $ 88,000 |
| Cherokee County Georgia | 2 | $ 150,000 | $ 75,000 | $ 183,000 |
| Upson County Georgia | 2 | $ 180,000 | $ 90,000 | $ 91,000 |
| Madison County Illinois | 2 | $ 110,000 | $ 55,000 | $ 137,000 |
| Harford County Maryland | 2 | $ 470,000 | $ 235,000 | $ 174,000 |
| Montgomery County Maryland | 2 | $ 310,000 | $ 155,000 | $ 277,000 |
| Hampden County Massachusetts | 2 | $ 120,000 | $ 60,000 | $ 174,000 |
| Middlesex County Massachusetts | 2 | $ 330,000 | $ 165,000 | $ 184,000 |
| Camden County New Jersey | 2 | $ 80,000 | $ 40,000 | $ 179,000 |
| Cumberland County New Jersey | 2 | $ 50,000 | $ 25,000 | $ 79,000 |
| Hunterdon County New Jersey | 2 | $ 90,000 | $ 45,000 | $ 114,000 |
| Passaic County New Jersey | 2 | $ 470,000 | $ 235,000 | $ 129,000 |
| Union County New Jersey | 2 | $ 130,000 | $ 65,000 | $ 224,000 |
| Chenango County New York | 2 | $ 120,000 | $ 60,000 | $ 109,000 |
| Delaware County New York | 2 | $ 80,000 | $ 40,000 | $ 85,000 |
| Erie County New York | 2 | $ 90,000 | $ 45,000 | $ 130,000 |
| Monroe County New York | 2 | $ 310,000 | $ 155,000 | $ 133,000 |
| Seneca County New York | 2 | $ 160,000 | $ 80,000 | $ 147,000 |
| St. Lawrence County New York | 2 | $ 160,000 | $ 80,000 | $ 163,000 |
| Steuben County New York | 2 | $ 410,000 | $ 205,000 | $ 99,000 |
| Suffolk County New York | 2 | $ 210,000 | $ 105,000 | $ 128,000 |
| Henderson County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 73,000 |
| Iredell County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Onslow County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 84,000 |
| Rutherford County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 98,000 |
| Medina County Ohio | 2 | $ 240,000 | $ 120,000 | $ 156,000 |
| Adams County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 121,000 |
| Armstrong County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 137,000 |
| Delaware County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 161,000 |
| Franklin County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 74,000 |
| Lawrence County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 122,000 |
| Colleton County South Carolina | 2 | $ 350,000 | $ 175,000 | $ 123,000 |
| Orangeburg County South Carolina | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Henrico County Virginia | 2 | $ 90,000 | $ 45,000 | $ 187,000 |
| Isle of Wight County Virginia | 2 | $ 210,000 | $ 105,000 | $ 241,000 |
| Pima County Arizona | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Contra Costa County California | 1 | $ 135,000 | $ 135,000 | $ 627,000 |
| Monterey County California | 1 | $ 435,000 | $ 435,000 | $ 90,000 |
| Chaffee County Colorado | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Denver County Colorado | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Larimer County Colorado | 1 | $ 325,000 | $ 325,000 | $ 117,000 |
| Teller County Colorado | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Fairfield County Connecticut | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Hartford County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Middlesex County Connecticut | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Broward County Florida | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 209,000 |
| Collier County Florida | 1 | $ 405,000 | $ 405,000 | $ 795,000 |
| Indian River County Florida | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Leon County Florida | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Manatee County Florida | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Osceola County Florida | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Pasco County Florida | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Polk County Florida | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Putnam County Florida | 1 | $ 145,000 | $ 145,000 | $ 128,000 |
| Sumter County Florida | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Douglas County Georgia | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Gordon County Georgia | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Greene County Georgia | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Gwinnett County Georgia | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Richmond County Georgia | 1 | $ 125,000 | $ 125,000 | $ 243,000 |
| Screven County Georgia | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| DuPage County Illinois | 1 | $ 55,000 | $ 55,000 | $ 236,000 |
| Grundy County Illinois | 1 | $ 95,000 | $ 95,000 | $ 268,000 |
| Jackson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Kendall County Illinois | 1 | $ 55,000 | $ 55,000 | $ 210,000 |
| Ogle County Illinois | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Perry County Illinois | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Hamilton County Indiana | 1 | $ 155,000 | $ 155,000 | $ 169,000 |
| Miami County Indiana | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Sedgwick County Kansas | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Allegany County Maryland | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Carroll County Maryland | 1 | $ 25,000 | $ 25,000 | $ 124,000 |
| Prince George's County Maryland | 1 | $ 495,000 | $ 495,000 | $ 42,000 |
| St. Mary's County Maryland | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Worcester County Maryland | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Norfolk County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 219,000 |
| Oakland County Michigan | 1 | $ 55,000 | $ 55,000 | $ 218,000 |
| Osceola County Michigan | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Hennepin County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 315,000 |
| Clark County Nevada | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Rockingham County New Hampshire | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Burlington County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Cape May County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 355,000 |
| Essex County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Gloucester County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 185,000 |
| Chautauqua County New York | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Greene County New York | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Livingston County New York | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Madison County New York | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Onondaga County New York | 1 | $ 65,000 | $ 65,000 | $ 443,000 |
| Orange County New York | 1 | $ 195,000 | $ 195,000 | $ 212,000 |
| Tompkins County New York | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Alamance County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Cabarrus County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Camden County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Catawba County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 173,000 |
| Chatham County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Cumberland County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Granville County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Guilford County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Lincoln County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| McDowell County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| New Hanover County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Orange County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 151,000 |
| Pender County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Robeson County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Rowan County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Butler County Ohio | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Fairfield County Ohio | 1 | $ 185,000 | $ 185,000 | $ 261,000 |
| Franklin County Ohio | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Harrison County Ohio | 1 | $ 55,000 | $ 55,000 | $ 147,000 |
| Montgomery County Ohio | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Sandusky County Ohio | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Summit County Ohio | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Beaver County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 172,000 |
| Forest County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 113,000 |
| Jefferson County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Lackawanna County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Mercer County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 208,000 |
| Susquehanna County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 278,000 |
| Wayne County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Cherokee County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Chester County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Florence County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 224,000 |
| Greenville County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| Hampton County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Horry County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 195,000 |
| Laurens County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Pickens County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Spartanburg County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 253,000 |
| Marion County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 206,000 |
| White County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Bennington County Vermont | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Rutland County Vermont | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Fairfax County Virginia | 1 | $ 105,000 | $ 105,000 | $ 202,000 |
| Hanover County Virginia | 1 | $ 825,000 | $ 825,000 | $ 147,000 |
| James City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 247,000 |
| Northumberland County Virginia | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Orange County Virginia | 1 | $ 45,000 | $ 45,000 | $ 106,000 |
| Prince William County Virginia | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Suffolk County Virginia | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Snohomish County Washington | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Utilities Employees 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 501 | $39,485,000 | $78,000 | $605,000 | $137,000 | $968,000 |
| Other Purpose | 356 | $34,640,000 | $97,000 | $805,000 | $130,000 | $828,000 |
| Home Purchase | 135 | $30,245,000 | $224,000 | $825,000 | $126,000 | $795,000 |
| Refinancing | 90 | $10,870,000 | $120,000 | $345,000 | $140,000 | $644,000 |
| Cash-out Refinancing | 79 | $10,665,000 | $135,000 | $445,000 | $123,000 | $264,000 |
| 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 | 1,011 | $111,045,000 | $109,000 | $825,000 | $135,000 | $968,000 |
| Not Provided | 75 | $8,395,000 | $111,000 | $615,000 | $123,000 | $425,000 |
| Black or African American | 45 | $2,895,000 | $64,000 | $235,000 | $110,000 | $305,000 |
| Hispanic | 14 | $1,320,000 | $94,000 | $215,000 | $93,000 | $257,000 |
| Asian | 5 | $815,000 | $163,000 | $315,000 | $197,000 | $244,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $175,000 | $87,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $96,000 | $96,000 |
| Not applicable | 1 | $75,000 | $75,000 | $75,000 | $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) | 1,161 | $125,905,000 | $108,000 | $825,000 | $133,000 | $968,000 |
| 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 | 912 | $96,580,000 | $105,000 | $825,000 | $136,000 | $968,000 |
| Application Withdrawn By Applicant | 98 | $11,640,000 | $118,000 | $505,000 | $120,000 | $351,000 |
| Application Denied By Financial Institution | 65 | $6,745,000 | $103,000 | $805,000 | $104,000 | $360,000 |
| File Closed For Incompleteness | 56 | $4,870,000 | $86,000 | $435,000 | $131,000 | $828,000 |
| Application Approved But Not Accepted | 23 | $4,255,000 | $185,000 | $615,000 | $144,000 | $465,000 |
| Preapproval Approved but not Accepted | 7 | $1,815,000 | $259,000 | $445,000 | $115,000 | $198,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 1,096 | $119,160,000 | $108,000 | $825,000 | $135,000 | $968,000 |
| Credit History | 40 | $4,930,000 | $123,000 | $805,000 | $102,000 | $360,000 |
| Collateral | 15 | $825,000 | $55,000 | $115,000 | $131,000 | $306,000 |
| Debt-To-Income Ratio | 4 | $420,000 | $105,000 | $185,000 | $61,000 | $80,000 |
| Credit Application Incomplete | 3 | $375,000 | $125,000 | $175,000 | $86,000 | $105,000 |
| Other | 2 | $160,000 | $80,000 | $105,000 | $100,000 | $112,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $22,000 | $22,000 |
| 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 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 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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with aggregated HMDA statistics today.