Utilities Employees Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Utilities Employees Credit Union of Wyomissing, PA reported 1,161 mortgage applications totaling $125.9 million, up 55% from 2021. The average application was for $108,445, and applicants reported an average income of $132,854. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Reading, PA (189), New York-Newark, NY (104) and Allentown-Bethlehem-Easton, PA-NJ (66) (applications in parentheses).
| 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 | 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 | 1,161 |
| Total Mortgage Loan Application Amount | $125,905,000 |
| Average Mortgage Loan Application Amount | $108,445 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $132,854 |
| Highest Applicant Income | $968,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Utilities Employees Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Reading, PA | 189 | $ 18,455,000 | $ 97,645 | $ 122,000 |
| Outside any metro area | 148 | $ 12,920,000 | $ 87,297 | $ 108,702 |
| New York-Newark, NY | 104 | $ 13,050,000 | $ 125,480 | $ 148,730 |
| Allentown-Bethlehem-Easton, PA-NJ | 66 | $ 5,850,000 | $ 88,636 | $ 121,833 |
| Columbia, SC | 44 | $ 3,800,000 | $ 86,363 | $ 131,000 |
| Montgomery County-Bucks County-Chester County, PA | 44 | $ 6,040,000 | $ 137,272 | $ 164,000 |
| Newark, NJ-PA | 33 | $ 3,385,000 | $ 102,575 | $ 144,636 |
| Lancaster, PA | 31 | $ 3,705,000 | $ 119,516 | $ 125,000 |
| Pittsburgh, PA | 30 | $ 2,680,000 | $ 89,333 | $ 147,000 |
| Charlotte-Concord-Gastonia, NC-SC | 27 | $ 2,975,000 | $ 110,185 | $ 117,000 |
| York-Hanover, PA | 21 | $ 2,105,000 | $ 100,238 | $ 123,000 |
| Harrisburg-Carlisle, PA | 19 | $ 1,895,000 | $ 99,736 | $ 143,000 |
| Erie, PA | 18 | $ 1,660,000 | $ 92,222 | $ 102,000 |
| Binghamton, NY | 13 | $ 955,000 | $ 73,461 | $ 125,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 825,000 | $ 75,000 | $ 167,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 1,045,000 | $ 95,000 | $ 146,000 |
| Johnstown, PA | 10 | $ 790,000 | $ 79,000 | $ 84,000 |
| Lebanon, PA | 9 | $ 1,175,000 | $ 130,555 | $ 135,000 |
| Rochester, NY | 9 | $ 885,000 | $ 98,333 | $ 106,000 |
| East Stroudsburg, PA | 8 | $ 660,000 | $ 82,500 | $ 98,000 |
| Raleigh, NC | 8 | $ 990,000 | $ 123,750 | $ 106,000 |
| Richmond, VA | 8 | $ 1,280,000 | $ 160,000 | $ 139,000 |
| Salisbury, MD-DE | 8 | $ 910,000 | $ 113,750 | $ 108,875 |
| Asheville, NC | 7 | $ 855,000 | $ 122,142 | $ 94,000 |
| Charleston-North Charleston, SC | 7 | $ 1,495,000 | $ 213,571 | $ 139,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 530,000 | $ 88,333 | $ 142,000 |
| Altoona, PA | 6 | $ 400,000 | $ 66,666 | $ 145,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 910,000 | $ 151,666 | $ 125,833 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 1,230,000 | $ 205,000 | $ 239,666 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,970,000 | $ 328,333 | $ 136,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 510,000 | $ 85,000 | $ 156,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 325,000 | $ 65,000 | $ 103,000 |
| Chicago-Naperville, IL | 5 | $ 605,000 | $ 121,000 | $ 158,000 |
| Cleveland-Elyria, OH | 5 | $ 715,000 | $ 143,000 | $ 118,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 605,000 | $ 121,000 | $ 138,000 |
| Philadelphia, PA | 5 | $ 965,000 | $ 193,000 | $ 158,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 815,000 | $ 163,000 | $ 135,000 |
| State College, PA | 5 | $ 725,000 | $ 145,000 | $ 304,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 275,000 | $ 55,000 | $ 65,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 345,000 | $ 69,000 | $ 198,800 |
| Augusta-Richmond County, GA-SC | 4 | $ 280,000 | $ 70,000 | $ 151,500 |
| Camden, NJ | 4 | $ 200,000 | $ 50,000 | $ 165,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 520,000 | $ 130,000 | $ 89,000 |
| Ocala, FL | 4 | $ 510,000 | $ 127,500 | $ 76,000 |
| Port St. Lucie, FL | 4 | $ 700,000 | $ 175,000 | $ 126,000 |
| Trenton, NJ | 4 | $ 670,000 | $ 167,500 | $ 173,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,615,000 | $ 538,333 | $ 222,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 225,000 | $ 75,000 | $ 93,000 |
| Durham-Chapel Hill, NC | 3 | $ 285,000 | $ 95,000 | $ 119,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 365,000 | $ 121,666 | $ 154,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 465,000 | $ 155,000 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 245,000 | $ 81,666 | $ 74,000 |
| Pittsfield, MA | 3 | $ 185,000 | $ 61,666 | $ 113,000 |
| Utica-Rome, NY | 3 | $ 265,000 | $ 88,333 | $ 141,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 845,000 | $ 281,666 | $ 101,333 |
| Wilmington, DE-MD-NJ | 3 | $ 465,000 | $ 155,000 | $ 136,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 330,000 | $ 165,000 | $ 184,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 90,000 | $ 45,000 | $ 74,000 |
| Columbus, OH | 2 | $ 290,000 | $ 145,000 | $ 204,000 |
| Dover, DE | 2 | $ 80,000 | $ 40,000 | $ 134,000 |
| Gettysburg, PA | 2 | $ 210,000 | $ 105,000 | $ 121,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 140,000 | $ 70,000 | $ 84,000 |
| Jacksonville, NC | 2 | $ 250,000 | $ 125,000 | $ 84,000 |
| Nassau County-Suffolk County, NY | 2 | $ 210,000 | $ 105,000 | $ 128,000 |
| New Haven-Milford, CT | 2 | $ 80,000 | $ 40,000 | $ 100,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 50,000 | $ 25,000 | $ 113,000 |
| Punta Gorda, FL | 2 | $ 270,000 | $ 135,000 | $ 113,000 |
| Springfield, MA | 2 | $ 120,000 | $ 60,000 | $ 174,000 |
| St. Louis, MO-IL | 2 | $ 110,000 | $ 55,000 | $ 137,000 |
| Syracuse, NY | 2 | $ 220,000 | $ 110,000 | $ 249,000 |
| Vineland-Bridgeton, NJ | 2 | $ 50,000 | $ 25,000 | $ 79,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Wilmington, NC | 2 | $ 120,000 | $ 60,000 | $ 80,000 |
| Akron, OH | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Boston, MA | 1 | $ 65,000 | $ 65,000 | $ 219,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Burlington, NC | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| California-Lexington Park, MD | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Carbondale-Marion, IL | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Chattanooga, TN-GA | 1 | $ 215,000 | $ 215,000 | $ 206,000 |
| Cincinnati, OH-KY-IN | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Colorado Springs, CO | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Cumberland, MD-WV | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Elgin, IL | 1 | $ 55,000 | $ 55,000 | $ 210,000 |
| Fayetteville, NC | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Florence, SC | 1 | $ 105,000 | $ 105,000 | $ 224,000 |
| Fort Collins, CO | 1 | $ 325,000 | $ 325,000 | $ 117,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Greensboro-High Point, NC | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 105,000 | $ 105,000 | $ 173,000 |
| Homosassa Springs, FL | 1 | $ 65,000 | $ 65,000 | $ 209,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 155,000 | $ 155,000 | $ 169,000 |
| Ithaca, NY | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Lakeland-Winter Haven, FL | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 315,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 405,000 | $ 405,000 | $ 795,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 135,000 | $ 135,000 | $ 627,000 |
| Ocean City, NJ | 1 | $ 45,000 | $ 45,000 | $ 355,000 |
| Rockingham County-Strafford County, NH | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Salinas, CA | 1 | $ 435,000 | $ 435,000 | $ 90,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
| Sebastian-Vero Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Spartanburg, SC | 1 | $ 115,000 | $ 115,000 | $ 253,000 |
| Tallahassee, FL | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| The Villages, FL | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Tucson, AZ | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 55,000 | $ 55,000 | $ 218,000 |
| Wichita, KS | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 35,000 | $ 35,000 | $ 208,000 |
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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