Veridian Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Veridian Credit Union 2010 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 | Veridian Credit Union 1827 Ansborough Ave Waterloo, IA 50701 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 | 3,082 |
| Total Mortgage Loan Application Amount | $405,211,000 |
| Average Mortgage Loan Application Amount | $194,666 |
| Highest Mortgage Loan Application Amount | $520,000 |
| Average Applicant Income | $102,666 |
| Highest Applicant Income | $816,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Veridian 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 Veridian Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Veridian 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 Veridian Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Veridian 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 Veridian Credit Union's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Black Hawk County Iowa | 1,095 | $ 133,610,000 | $ 122,000 | $ 74,000 |
| Polk County Iowa | 448 | $ 67,495,000 | $ 150,000 | $ 80,000 |
| Linn County Iowa | 355 | $ 48,619,000 | $ 136,000 | $ 72,000 |
| Bremer County Iowa | 240 | $ 34,952,000 | $ 145,000 | $ 79,000 |
| Butler County Iowa | 96 | $ 11,051,000 | $ 115,000 | $ 68,000 |
| Buchanan County Iowa | 94 | $ 10,409,000 | $ 110,000 | $ 65,000 |
| Fayette County Iowa | 68 | $ 6,431,000 | $ 94,000 | $ 51,000 |
| Grundy County Iowa | 66 | $ 8,938,000 | $ 135,000 | $ 80,000 |
| Benton County Iowa | 55 | $ 8,049,000 | $ 146,000 | $ 75,000 |
| Dallas County Iowa | 55 | $ 9,166,000 | $ 166,000 | $ 92,000 |
| Johnson County Iowa | 42 | $ 7,204,000 | $ 171,000 | $ 77,000 |
| Tama County Iowa | 27 | $ 2,551,000 | $ 94,000 | $ 68,000 |
| Story County Iowa | 23 | $ 3,010,000 | $ 130,000 | $ 83,000 |
| Warren County Iowa | 22 | $ 4,019,000 | $ 182,000 | $ 92,000 |
| Chickasaw County Iowa | 19 | $ 2,176,000 | $ 114,000 | $ 70,000 |
| Jones County Iowa | 13 | $ 1,513,000 | $ 116,000 | $ 73,000 |
| Hardin County Iowa | 11 | $ 935,000 | $ 85,000 | $ 64,000 |
| Poweshiek County Iowa | 11 | $ 1,587,000 | $ 144,000 | $ 127,000 |
| Cedar County Iowa | 10 | $ 1,451,000 | $ 145,000 | $ 76,000 |
| Cerro Gordo County Iowa | 10 | $ 790,000 | $ 79,000 | $ 63,000 |
| Delaware County Iowa | 10 | $ 1,208,000 | $ 120,000 | $ 100,000 |
| Boone County Iowa | 9 | $ 1,371,000 | $ 152,000 | $ 76,000 |
| Clayton County Iowa | 9 | $ 950,000 | $ 105,000 | $ 138,000 |
| Iowa County Iowa | 8 | $ 1,297,000 | $ 162,000 | $ 66,000 |
| Jasper County Iowa | 7 | $ 960,000 | $ 137,000 | $ 66,000 |
| Madison County Iowa | 7 | $ 1,263,000 | $ 180,000 | $ 92,000 |
| Allamakee County Iowa | 6 | $ 720,000 | $ 120,000 | $ 70,000 |
| Floyd County Iowa | 6 | $ 574,000 | $ 95,000 | $ 53,000 |
| Marion County Iowa | 6 | $ 863,000 | $ 143,000 | $ 88,000 |
| Scott County Iowa | 5 | $ 961,000 | $ 192,000 | $ 116,000 |
| Winneshiek County Iowa | 5 | $ 854,000 | $ 170,000 | $ 108,000 |
| Mahaska County Iowa | 4 | $ 368,000 | $ 92,000 | $ 63,000 |
| Muscatine County Iowa | 4 | $ 472,000 | $ 118,000 | $ 47,000 |
| Adair County Iowa | 3 | $ 360,000 | $ 120,000 | $ 56,000 |
| Des Moines County Iowa | 3 | $ 524,000 | $ 174,000 | $ 80,000 |
| Washington County Iowa | 3 | $ 375,000 | $ 125,000 | $ 95,000 |
| Carroll County Iowa | 2 | $ 216,000 | $ 108,000 | $ 56,000 |
| Dubuque County Iowa | 2 | $ 482,000 | $ 241,000 | $ 130,000 |
| Howard County Iowa | 2 | $ 182,000 | $ 91,000 | $ 57,000 |
| Marshall County Iowa | 2 | $ 320,000 | $ 160,000 | $ 109,000 |
| Mitchell County Iowa | 2 | $ 348,000 | $ 174,000 | $ 85,000 |
| Webster County Iowa | 2 | $ 186,000 | $ 93,000 | $ 85,000 |
| Appanoose County Iowa | 1 | $ 113,000 | $ 113,000 | $ 136,000 |
| Clarke County Iowa | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Clinton County Iowa | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Franklin County Iowa | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Guthrie County Iowa | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Hancock County Iowa | 1 | $ 104,000 | $ 104,000 | $ 91,000 |
| Harrison County Iowa | 1 | $ 116,000 | $ 116,000 | $ 85,000 |
| Jefferson County Iowa | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
| Ringgold County Iowa | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Van Buren County Iowa | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Wapello County Iowa | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Winnebago County Iowa | 1 | $ 72,000 | $ 72,000 | $ 26,000 |
| Worth County Iowa | 1 | $ 78,000 | $ 78,000 | $ 71,000 |
| Sarpy County Nebraska | 1 | $ 190,000 | $ 190,000 | $ 140,000 |
| Minnehaha County South Dakota | 1 | $ 222,000 | $ 222,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Veridian Credit Union in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,046 | $272,663,000 | $133,000 | $417,000 | $79,000 | $816,000 |
| Home Purchase | 1,035 | $132,224,000 | $127,000 | $520,000 | $64,000 | $675,000 |
| Home Improvement | 1 | $324,000 | $324,000 | $324,000 | $165,000 | $165,000 |
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 | 2,886 | $379,038,000 | $131,000 | $520,000 | $74,000 | $816,000 |
| Not Provided | 118 | $15,813,000 | $134,000 | $417,000 | $76,000 | $216,000 |
| Asian | 30 | $4,928,000 | $164,000 | $417,000 | $111,000 | $675,000 |
| Black or African American | 27 | $2,867,000 | $106,000 | $224,000 | $51,000 | $146,000 |
| Hispanic | 18 | $2,192,000 | $121,000 | $382,000 | $37,000 | $106,000 |
| American Indian or Alaskan Native | 2 | $204,000 | $102,000 | $108,000 | $67,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $169,000 | $169,000 | $169,000 | $104,000 | $104,000 |
| 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) | 2,695 | $357,874,000 | $132,000 | $520,000 | $77,000 | $816,000 |
| FHA-insured (Federal Housing Administration) | 343 | $40,585,000 | $118,000 | $409,000 | $53,000 | $329,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,752,000 | $153,000 | $409,000 | $55,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,147 | $282,897,000 | $131,000 | $417,000 | $77,000 | $816,000 |
| Application Withdrawn By Applicant | 550 | $73,162,000 | $133,000 | $417,000 | $72,000 | $675,000 |
| Application Approved But Not Accepted | 195 | $25,420,000 | $130,000 | $360,000 | $62,000 | $227,000 |
| Application Denied By Financial Institution | 190 | $23,732,000 | $124,000 | $520,000 | $54,000 | $236,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 109 | $13,384,000 | $122,000 | $409,000 | $51,000 | $148,000 |
| Debt-To-Income Ratio | 44 | $5,830,000 | $132,000 | $520,000 | $55,000 | $236,000 |
| Collateral | 8 | $754,000 | $94,000 | $137,000 | $59,000 | $87,000 |
| Employment History | 2 | $92,000 | $46,000 | $62,000 | $16,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $82,000 | $82,000 | $82,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $141,000 | $141,000 | $141,000 | $72,000 | $72,000 |
| Other | 1 | $324,000 | $324,000 | $324,000 | $165,000 | $165,000 |
| Unverifiable Information | 1 | $216,000 | $216,000 | $216,000 | $131,000 | $131,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2010 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 Veridian 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 Iowa, download the full spreadsheet
with aggregated HMDA statistics today.