Utilities Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Utilities Employees 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 | 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 | 975 |
| Total Mortgage Loan Application Amount | $114,945,000 |
| Average Mortgage Loan Application Amount | $141,600 |
| Highest Mortgage Loan Application Amount | $1,375,000 |
| Average Applicant Income | $129,600 |
| Highest Applicant Income | $828,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 170 | $ 14,600,000 | $ 85,000 | $ 123,000 |
| Ocean County New Jersey | 42 | $ 6,000,000 | $ 142,000 | $ 144,000 |
| Lancaster County Pennsylvania | 30 | $ 2,370,000 | $ 79,000 | $ 137,000 |
| Northampton County Pennsylvania | 25 | $ 2,935,000 | $ 117,000 | $ 148,000 |
| Monmouth County New Jersey | 21 | $ 2,835,000 | $ 135,000 | $ 130,000 |
| Lexington County South Carolina | 21 | $ 2,125,000 | $ 101,000 | $ 150,000 |
| Chester County Pennsylvania | 15 | $ 2,135,000 | $ 142,000 | $ 210,000 |
| Morris County New Jersey | 14 | $ 2,550,000 | $ 182,000 | $ 169,000 |
| Montgomery County Pennsylvania | 14 | $ 1,950,000 | $ 139,000 | $ 166,000 |
| Broome County New York | 13 | $ 1,515,000 | $ 116,000 | $ 155,000 |
| Lebanon County Pennsylvania | 13 | $ 1,645,000 | $ 126,000 | $ 137,000 |
| Richland County South Carolina | 13 | $ 935,000 | $ 71,000 | $ 134,000 |
| Cambria County Pennsylvania | 12 | $ 630,000 | $ 52,000 | $ 103,000 |
| Erie County Pennsylvania | 12 | $ 1,110,000 | $ 92,000 | $ 93,000 |
| Lehigh County Pennsylvania | 12 | $ 1,430,000 | $ 119,000 | $ 174,000 |
| Gaston County North Carolina | 11 | $ 1,155,000 | $ 105,000 | $ 128,000 |
| Schuylkill County Pennsylvania | 11 | $ 755,000 | $ 68,000 | $ 96,000 |
| Allegheny County Pennsylvania | 10 | $ 1,610,000 | $ 161,000 | $ 131,000 |
| Indiana County Pennsylvania | 9 | $ 855,000 | $ 95,000 | $ 105,000 |
| Luzerne County Pennsylvania | 9 | $ 895,000 | $ 99,000 | $ 150,000 |
| York County Pennsylvania | 9 | $ 655,000 | $ 72,000 | $ 109,000 |
| Burlington County New Jersey | 8 | $ 930,000 | $ 116,000 | $ 147,000 |
| Union County New Jersey | 8 | $ 940,000 | $ 117,000 | $ 165,000 |
| Sussex County Delaware | 7 | $ 1,715,000 | $ 245,000 | $ 151,000 |
| Erie County New York | 7 | $ 385,000 | $ 55,000 | $ 102,000 |
| Dauphin County Pennsylvania | 7 | $ 1,105,000 | $ 157,000 | $ 111,000 |
| Monroe County Pennsylvania | 7 | $ 545,000 | $ 77,000 | $ 83,000 |
| Baltimore County Maryland | 6 | $ 290,000 | $ 48,000 | $ 99,000 |
| Clinton County New York | 6 | $ 500,000 | $ 83,000 | $ 142,000 |
| Mecklenburg County North Carolina | 6 | $ 1,060,000 | $ 176,000 | $ 210,000 |
| Wake County North Carolina | 6 | $ 1,060,000 | $ 176,000 | $ 170,000 |
| Clearfield County Pennsylvania | 6 | $ 270,000 | $ 45,000 | $ 117,000 |
| Delaware County Pennsylvania | 6 | $ 1,130,000 | $ 188,000 | $ 122,000 |
| Westmoreland County Pennsylvania | 6 | $ 1,030,000 | $ 171,000 | $ 97,000 |
| New Haven County Connecticut | 5 | $ 465,000 | $ 93,000 | $ 137,000 |
| Somerset County New Jersey | 5 | $ 1,175,000 | $ 235,000 | $ 179,000 |
| Sussex County New Jersey | 5 | $ 435,000 | $ 87,000 | $ 113,000 |
| Tioga County New York | 5 | $ 175,000 | $ 35,000 | $ 73,000 |
| Armstrong County Pennsylvania | 5 | $ 365,000 | $ 73,000 | $ 77,000 |
| Blair County Pennsylvania | 5 | $ 485,000 | $ 97,000 | $ 108,000 |
| Bucks County Pennsylvania | 5 | $ 355,000 | $ 71,000 | $ 100,000 |
| Philadelphia County Pennsylvania | 5 | $ 545,000 | $ 109,000 | $ 83,000 |
| Somerset County Pennsylvania | 5 | $ 775,000 | $ 155,000 | $ 116,000 |
| Aiken County South Carolina | 5 | $ 475,000 | $ 95,000 | $ 105,000 |
| Beaufort County South Carolina | 5 | $ 885,000 | $ 177,000 | $ 123,000 |
| Horry County South Carolina | 5 | $ 2,015,000 | $ 403,000 | $ 170,000 |
| Newberry County South Carolina | 5 | $ 145,000 | $ 29,000 | $ 64,000 |
| Lee County Florida | 4 | $ 750,000 | $ 187,000 | $ 133,000 |
| Essex County New Jersey | 4 | $ 580,000 | $ 145,000 | $ 171,000 |
| Middlesex County New Jersey | 4 | $ 780,000 | $ 195,000 | $ 104,000 |
| Dutchess County New York | 4 | $ 480,000 | $ 120,000 | $ 161,000 |
| Adams County Pennsylvania | 4 | $ 930,000 | $ 232,000 | $ 201,000 |
| Bradford County Pennsylvania | 4 | $ 470,000 | $ 117,000 | $ 159,000 |
| Berkeley County South Carolina | 4 | $ 280,000 | $ 70,000 | $ 103,000 |
| Charleston County South Carolina | 4 | $ 300,000 | $ 75,000 | $ 76,000 |
| Dorchester County South Carolina | 4 | $ 230,000 | $ 57,000 | $ 91,000 |
| Riverside County California | 3 | $ 215,000 | $ 71,000 | $ 245,000 |
| New Castle County Delaware | 3 | $ 375,000 | $ 125,000 | $ 176,000 |
| Cook County Illinois | 3 | $ 415,000 | $ 138,000 | $ 216,000 |
| Anne Arundel County Maryland | 3 | $ 185,000 | $ 61,000 | $ 136,000 |
| Carroll County Maryland | 3 | $ 155,000 | $ 51,000 | $ 160,000 |
| Sullivan County New York | 3 | $ 265,000 | $ 88,000 | $ 142,000 |
| Cabarrus County North Carolina | 3 | $ 255,000 | $ 85,000 | $ 153,000 |
| Franklin County North Carolina | 3 | $ 255,000 | $ 85,000 | $ 171,000 |
| Carbon County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 99,000 |
| Crawford County Pennsylvania | 3 | $ 225,000 | $ 75,000 | $ 130,000 |
| Jefferson County Pennsylvania | 3 | $ 325,000 | $ 108,000 | $ 120,000 |
| Anderson County South Carolina | 3 | $ 375,000 | $ 125,000 | $ 87,000 |
| Greenville County South Carolina | 3 | $ 335,000 | $ 111,000 | $ 309,000 |
| Orangeburg County South Carolina | 3 | $ 135,000 | $ 45,000 | $ 120,000 |
| Maricopa County Arizona | 2 | $ 80,000 | $ 40,000 | $ 47,000 |
| Kern County California | 2 | $ 210,000 | $ 105,000 | $ 128,000 |
| Lassen County California | 2 | $ 50,000 | $ 25,000 | $ 147,000 |
| Hartford County Connecticut | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| New London County Connecticut | 2 | $ 590,000 | $ 295,000 | $ 129,000 |
| Kent County Delaware | 2 | $ 90,000 | $ 45,000 | $ 120,000 |
| Charlotte County Florida | 2 | $ 340,000 | $ 170,000 | $ 93,000 |
| Gulf County Florida | 2 | $ 100,000 | $ 50,000 | $ 51,000 |
| Orange County Florida | 2 | $ 380,000 | $ 190,000 | $ 100,000 |
| Pinellas County Florida | 2 | $ 510,000 | $ 255,000 | $ 171,000 |
| Sarasota County Florida | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| St. Johns County Florida | 2 | $ 450,000 | $ 225,000 | $ 84,000 |
| Volusia County Florida | 2 | $ 70,000 | $ 35,000 | $ 87,000 |
| Cobb County Georgia | 2 | $ 260,000 | $ 130,000 | $ 146,000 |
| Paulding County Georgia | 2 | $ 110,000 | $ 55,000 | $ 180,000 |
| DuPage County Illinois | 2 | $ 150,000 | $ 75,000 | $ 237,000 |
| Pottawatomie County Kansas | 2 | $ 80,000 | $ 40,000 | $ 83,000 |
| Cumberland County Maine | 2 | $ 630,000 | $ 315,000 | $ 94,000 |
| Berkshire County Massachusetts | 2 | $ 70,000 | $ 35,000 | $ 156,000 |
| Atlantic County New Jersey | 2 | $ 60,000 | $ 30,000 | $ 108,000 |
| Hunterdon County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 120,000 |
| Warren County New Jersey | 2 | $ 480,000 | $ 240,000 | $ 128,000 |
| Cattaraugus County New York | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Cayuga County New York | 2 | $ 440,000 | $ 220,000 | $ 108,000 |
| Chenango County New York | 2 | $ 120,000 | $ 60,000 | $ 127,000 |
| Cortland County New York | 2 | $ 130,000 | $ 65,000 | $ 98,000 |
| Niagara County New York | 2 | $ 90,000 | $ 45,000 | $ 109,000 |
| Otsego County New York | 2 | $ 110,000 | $ 55,000 | $ 69,000 |
| Tompkins County New York | 2 | $ 80,000 | $ 40,000 | $ 77,000 |
| Washington County New York | 2 | $ 310,000 | $ 155,000 | $ 133,000 |
| Yates County New York | 2 | $ 100,000 | $ 50,000 | $ 93,000 |
| Carteret County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 47,000 |
| Lincoln County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 119,000 |
| Person County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 101,000 |
| Centre County Pennsylvania | 2 | $ 640,000 | $ 320,000 | $ 205,000 |
| Clinton County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 38,000 |
| Tioga County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 153,000 |
| Warren County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 71,000 |
| Fairfield County South Carolina | 2 | $ 290,000 | $ 145,000 | $ 278,000 |
| Kershaw County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 111,000 |
| Spartanburg County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 175,000 |
| Sumter County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 72,000 |
| Cumberland County Tennessee | 2 | $ 250,000 | $ 125,000 | $ 103,000 |
| Bedford County Virginia | 2 | $ 340,000 | $ 170,000 | $ 70,000 |
| Richmond City County Virginia | 2 | $ 670,000 | $ 335,000 | $ 198,000 |
| Los Angeles County California | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| San Diego County California | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Tuolumne County California | 1 | $ 285,000 | $ 285,000 | $ 153,000 |
| Fairfield County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 142,000 |
| Broward County Florida | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Hillsborough County Florida | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Indian River County Florida | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Leon County Florida | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Manatee County Florida | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
| Martin County Florida | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Miami-Dade County Florida | 1 | $ 105,000 | $ 105,000 | $ 214,000 |
| Osceola County Florida | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Palm Beach County Florida | 1 | $ 405,000 | $ 405,000 | $ 134,000 |
| Pasco County Florida | 1 | $ 505,000 | $ 505,000 | $ 239,000 |
| Seminole County Florida | 1 | $ 175,000 | $ 175,000 | $ 166,000 |
| St. Lucie County Florida | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Bartow County Georgia | 1 | $ 275,000 | $ 275,000 | $ 193,000 |
| Bibb County Georgia | 1 | $ 85,000 | $ 85,000 | $ 268,000 |
| Cherokee County Georgia | 1 | $ 25,000 | $ 25,000 | $ 101,000 |
| DeKalb County Georgia | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Gwinnett County Georgia | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Hall County Georgia | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Lumpkin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Quitman County Georgia | 1 | $ 55,000 | $ 55,000 | $ 143,000 |
| Clinton County Illinois | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| Fayette County Illinois | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Franklin County Illinois | 1 | $ 45,000 | $ 45,000 | $ 188,000 |
| Madison County Illinois | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Montgomery County Illinois | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Ogle County Illinois | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Perry County Illinois | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Hamilton County Indiana | 1 | $ 275,000 | $ 275,000 | $ 153,000 |
| Pike County Indiana | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Kennebec County Maine | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Prince George's County Maryland | 1 | $ 175,000 | $ 175,000 | $ 170,000 |
| Worcester County Maryland | 1 | $ 15,000 | $ 15,000 | $ 136,000 |
| Essex County Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Oakland County Michigan | 1 | $ 555,000 | $ 555,000 | $ 151,000 |
| Bergen County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Camden County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Cape May County New Jersey | 1 | $ 545,000 | $ 545,000 | $ 231,000 |
| Gloucester County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 210,000 |
| Hudson County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Passaic County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Salem County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Albany County New York | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Allegany County New York | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Chautauqua County New York | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Chemung County New York | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Columbia County New York | 1 | $ 205,000 | $ 205,000 | $ 178,000 |
| Delaware County New York | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Madison County New York | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| Monroe County New York | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Oneida County New York | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Oswego County New York | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Rockland County New York | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| Seneca County New York | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Westchester County New York | 1 | $ 405,000 | $ 405,000 | $ 205,000 |
| Alamance County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Camden County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Cumberland County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Granville County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Guilford County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Haywood County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 31,000 |
| Iredell County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Lee County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Onslow County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 111,000 |
| Orange County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 156,000 |
| Pitt County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 279,000 |
| Union County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 162,000 |
| Vance County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 162,000 |
| Hamilton County Ohio | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Medina County Ohio | 1 | $ 205,000 | $ 205,000 | $ 495,000 |
| Muskingum County Ohio | 1 | $ 65,000 | $ 65,000 | $ 149,000 |
| Richland County Ohio | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Ross County Ohio | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Stark County Ohio | 1 | $ 95,000 | $ 95,000 | $ 194,000 |
| Deschutes County Oregon | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| Beaver County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Butler County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Cameron County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 369,000 |
| Clarion County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Franklin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Lawrence County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Northumberland County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Susquehanna County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Wayne County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Bamberg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Calhoun County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Clarendon County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Colleton County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Florence County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Laurens County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| York County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Crockett County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 200,000 |
| Davidson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Hamilton County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Caledonia County Vermont | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Rutland County Vermont | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Windham County Vermont | 1 | $ 405,000 | $ 405,000 | $ 172,000 |
| Arlington County Virginia | 1 | $ 215,000 | $ 215,000 | $ 320,000 |
| Henrico County Virginia | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Loudoun County Virginia | 1 | $ 205,000 | $ 205,000 | $ 214,000 |
| Louisa County Virginia | 1 | $ 35,000 | $ 35,000 | $ 240,000 |
| Prince William County Virginia | 1 | $ 55,000 | $ 55,000 | $ 204,000 |
| Spotsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 138,000 |
| Stafford County Virginia | 1 | $ 35,000 | $ 35,000 | $ 123,000 |
| Kitsap County Washington | 1 | $ 515,000 | $ 515,000 | $ 132,000 |
| Snohomish County Washington | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
| Berkeley County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Sweetwater County Wyoming | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Utilities Employees 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 Improvement | 361 | $29,585,000 | $81,000 | $515,000 | $132,000 | $495,000 |
| Other Purpose | 343 | $29,035,000 | $84,000 | $625,000 | $128,000 | $828,000 |
| Home Purchase | 158 | $39,890,000 | $252,000 | $715,000 | $140,000 | $466,000 |
| Refinancing | 59 | $7,975,000 | $135,000 | $555,000 | $112,000 | $336,000 |
| Cash-out Refinancing | 54 | $8,460,000 | $156,000 | $1,375,000 | $136,000 | $361,000 |
| 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 | 799 | $93,115,000 | $116,000 | $645,000 | $131,000 | $828,000 |
| Not Provided | 78 | $9,590,000 | $122,000 | $1,375,000 | $119,000 | $327,000 |
| Black or African American | 46 | $4,940,000 | $107,000 | $535,000 | $136,000 | $450,000 |
| Hispanic | 34 | $3,640,000 | $107,000 | $545,000 | $143,000 | $697,000 |
| Not applicable | 9 | $1,305,000 | $145,000 | $325,000 | $0 | $0 |
| Asian | 5 | $1,005,000 | $201,000 | $555,000 | $136,000 | $268,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 975 | $114,945,000 | $117,000 | $1,375,000 | $131,000 | $828,000 |
| 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 | 675 | $74,625,000 | $110,000 | $715,000 | $134,000 | $828,000 |
| Application Withdrawn By Applicant | 101 | $10,895,000 | $107,000 | $585,000 | $127,000 | $406,000 |
| Application Denied By Financial Institution | 93 | $14,475,000 | $155,000 | $625,000 | $117,000 | $702,000 |
| File Closed For Incompleteness | 72 | $6,680,000 | $92,000 | $555,000 | $130,000 | $697,000 |
| Application Approved But Not Accepted | 20 | $4,040,000 | $202,000 | $1,375,000 | $120,000 | $212,000 |
| Preapproval Approved but not Accepted | 9 | $3,055,000 | $339,000 | $545,000 | $158,000 | $296,000 |
| Preapproval Denied by Financial Institution | 5 | $1,175,000 | $235,000 | $585,000 | $91,000 | $189,000 |
| 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 | 877 | $99,295,000 | $113,000 | $1,375,000 | $133,000 | $828,000 |
| Credit History | 55 | $7,375,000 | $134,000 | $625,000 | $108,000 | $443,000 |
| Debt-To-Income Ratio | 17 | $4,385,000 | $257,000 | $555,000 | $102,000 | $242,000 |
| Collateral | 9 | $1,035,000 | $115,000 | $585,000 | $185,000 | $702,000 |
| Employment History | 8 | $1,570,000 | $196,000 | $465,000 | $78,000 | $172,000 |
| Other | 5 | $745,000 | $149,000 | $545,000 | $167,000 | $236,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $105,000 | $87,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $380,000 | $190,000 | $275,000 | $169,000 | $175,000 |
| 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 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 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.