Veridian Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Veridian Credit Union 2016 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 | 7,326 |
| Total Mortgage Loan Application Amount | $805,376,000 |
| Average Mortgage Loan Application Amount | $97,333 |
| Highest Mortgage Loan Application Amount | $6,080,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,805,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,949 | $ 171,282,000 | $ 87,000 | $ 70,000 |
| Polk County Iowa | 1,815 | $ 246,865,000 | $ 136,000 | $ 94,000 |
| Linn County Iowa | 620 | $ 71,691,000 | $ 115,000 | $ 76,000 |
| Bremer County Iowa | 407 | $ 39,207,000 | $ 96,000 | $ 73,000 |
| Dallas County Iowa | 366 | $ 59,757,000 | $ 163,000 | $ 119,000 |
| Buchanan County Iowa | 245 | $ 19,733,000 | $ 80,000 | $ 68,000 |
| Johnson County Iowa | 186 | $ 27,634,000 | $ 148,000 | $ 87,000 |
| Butler County Iowa | 171 | $ 11,996,000 | $ 70,000 | $ 68,000 |
| Fayette County Iowa | 154 | $ 11,419,000 | $ 74,000 | $ 62,000 |
| Warren County Iowa | 133 | $ 16,456,000 | $ 123,000 | $ 103,000 |
| Grundy County Iowa | 128 | $ 10,239,000 | $ 79,000 | $ 66,000 |
| Story County Iowa | 125 | $ 12,628,000 | $ 101,000 | $ 82,000 |
| Benton County Iowa | 92 | $ 10,058,000 | $ 109,000 | $ 84,000 |
| Pottawattamie County Iowa | 72 | $ 8,103,000 | $ 112,000 | $ 70,000 |
| Chickasaw County Iowa | 69 | $ 5,265,000 | $ 76,000 | $ 65,000 |
| Tama County Iowa | 64 | $ 5,188,000 | $ 81,000 | $ 81,000 |
| Jasper County Iowa | 52 | $ 4,686,000 | $ 90,000 | $ 73,000 |
| Madison County Iowa | 34 | $ 5,065,000 | $ 148,000 | $ 102,000 |
| Douglas County Nebraska | 33 | $ 5,754,000 | $ 174,000 | $ 85,000 |
| Boone County Iowa | 30 | $ 2,799,000 | $ 93,000 | $ 89,000 |
| Marion County Iowa | 30 | $ 3,198,000 | $ 106,000 | $ 77,000 |
| Hardin County Iowa | 29 | $ 1,965,000 | $ 67,000 | $ 70,000 |
| Cerro Gordo County Iowa | 28 | $ 3,302,000 | $ 117,000 | $ 84,000 |
| Marshall County Iowa | 27 | $ 2,473,000 | $ 91,000 | $ 87,000 |
| Cedar County Iowa | 25 | $ 3,023,000 | $ 120,000 | $ 75,000 |
| Iowa County Iowa | 24 | $ 2,736,000 | $ 114,000 | $ 68,000 |
| Clayton County Iowa | 21 | $ 1,758,000 | $ 83,000 | $ 69,000 |
| Floyd County Iowa | 20 | $ 1,041,000 | $ 52,000 | $ 69,000 |
| Washington County Iowa | 20 | $ 2,452,000 | $ 122,000 | $ 79,000 |
| Delaware County Iowa | 19 | $ 1,508,000 | $ 79,000 | $ 68,000 |
| Guthrie County Iowa | 18 | $ 3,542,000 | $ 196,000 | $ 147,000 |
| Poweshiek County Iowa | 18 | $ 2,756,000 | $ 153,000 | $ 91,000 |
| Jones County Iowa | 17 | $ 1,819,000 | $ 107,000 | $ 78,000 |
| Scott County Iowa | 16 | $ 2,840,000 | $ 177,000 | $ 110,000 |
| Franklin County Iowa | 13 | $ 965,000 | $ 74,000 | $ 81,000 |
| Wright County Iowa | 13 | $ 1,043,000 | $ 80,000 | $ 107,000 |
| Allamakee County Iowa | 11 | $ 815,000 | $ 74,000 | $ 64,000 |
| Muscatine County Iowa | 11 | $ 1,257,000 | $ 114,000 | $ 69,000 |
| Webster County Iowa | 11 | $ 618,000 | $ 56,000 | $ 93,000 |
| Sarpy County Nebraska | 11 | $ 1,058,000 | $ 96,000 | $ 79,000 |
| Clarke County Iowa | 9 | $ 595,000 | $ 66,000 | $ 66,000 |
| Hamilton County Iowa | 8 | $ 338,000 | $ 42,000 | $ 74,000 |
| Winneshiek County Iowa | 8 | $ 843,000 | $ 105,000 | $ 111,000 |
| Decatur County Iowa | 7 | $ 415,000 | $ 59,000 | $ 71,000 |
| Adair County Iowa | 6 | $ 408,000 | $ 68,000 | $ 75,000 |
| Cass County Iowa | 6 | $ 454,000 | $ 75,000 | $ 75,000 |
| Hancock County Iowa | 6 | $ 357,000 | $ 59,000 | $ 73,000 |
| Keokuk County Iowa | 6 | $ 363,000 | $ 60,000 | $ 55,000 |
| Mahaska County Iowa | 6 | $ 641,000 | $ 106,000 | $ 69,000 |
| Union County Iowa | 6 | $ 352,000 | $ 58,000 | $ 76,000 |
| Wapello County Iowa | 6 | $ 549,000 | $ 91,000 | $ 82,000 |
| Minnehaha County South Dakota | 6 | $ 613,000 | $ 102,000 | $ 93,000 |
| Calhoun County Iowa | 5 | $ 222,000 | $ 44,000 | $ 113,000 |
| Greene County Iowa | 5 | $ 282,000 | $ 56,000 | $ 74,000 |
| Clinton County Iowa | 4 | $ 362,000 | $ 90,000 | $ 64,000 |
| Howard County Iowa | 4 | $ 126,000 | $ 31,000 | $ 33,000 |
| Lucas County Iowa | 4 | $ 425,000 | $ 106,000 | $ 68,000 |
| Mills County Iowa | 4 | $ 466,000 | $ 116,000 | $ 84,000 |
| Van Buren County Iowa | 4 | $ 553,000 | $ 138,000 | $ 83,000 |
| Wayne County Iowa | 4 | $ 257,000 | $ 64,000 | $ 81,000 |
| Hennepin County Minnesota | 4 | $ 878,000 | $ 219,000 | $ 244,000 |
| Dubuque County Iowa | 3 | $ 593,000 | $ 197,000 | $ 89,000 |
| Harrison County Iowa | 3 | $ 285,000 | $ 95,000 | $ 109,000 |
| Pocahontas County Iowa | 3 | $ 116,000 | $ 38,000 | $ 62,000 |
| Shelby County Iowa | 3 | $ 297,000 | $ 99,000 | $ 63,000 |
| Winnebago County Iowa | 3 | $ 209,000 | $ 69,000 | $ 57,000 |
| Worth County Iowa | 3 | $ 131,000 | $ 43,000 | $ 85,000 |
| Cook County Illinois | 2 | $ 409,000 | $ 204,000 | $ 97,000 |
| Appanoose County Iowa | 2 | $ 609,000 | $ 304,000 | $ 175,000 |
| Carroll County Iowa | 2 | $ 174,000 | $ 87,000 | $ 78,000 |
| Clay County Iowa | 2 | $ 247,000 | $ 123,000 | $ 78,000 |
| Des Moines County Iowa | 2 | $ 210,000 | $ 105,000 | $ 103,000 |
| Henry County Iowa | 2 | $ 154,000 | $ 77,000 | $ 49,000 |
| Monroe County Iowa | 2 | $ 228,000 | $ 114,000 | $ 83,000 |
| Woodbury County Iowa | 2 | $ 298,000 | $ 149,000 | $ 86,000 |
| Olmsted County Minnesota | 2 | $ 313,000 | $ 156,000 | $ 63,000 |
| Camden County Missouri | 2 | $ 341,000 | $ 170,000 | $ 108,000 |
| Greene County Missouri | 2 | $ 160,000 | $ 80,000 | $ 105,000 |
| Mercer County Missouri | 2 | $ 248,000 | $ 124,000 | $ 70,000 |
| Lincoln County South Dakota | 2 | $ 390,000 | $ 195,000 | $ 90,000 |
| Crawford County Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 109,000 |
| Carroll County Illinois | 1 | $ 27,000 | $ 27,000 | $ 35,000 |
| Henry County Illinois | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Lee County Illinois | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Mercer County Illinois | 1 | $ 148,000 | $ 148,000 | $ 121,000 |
| Rock Island County Illinois | 1 | $ 324,000 | $ 324,000 | $ 146,000 |
| Warren County Illinois | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Buena Vista County Iowa | 1 | $ 184,000 | $ 184,000 | $ 120,000 |
| Crawford County Iowa | 1 | $ 153,000 | $ 153,000 | $ 110,000 |
| Dickinson County Iowa | 1 | $ 286,000 | $ 286,000 | $ 138,000 |
| Fremont County Iowa | 1 | $ 78,000 | $ 78,000 | $ 47,000 |
| Ida County Iowa | 1 | $ 189,000 | $ 189,000 | $ 124,000 |
| Jefferson County Iowa | 1 | $ 212,000 | $ 212,000 | $ 71,000 |
| Kossuth County Iowa | 1 | $ 38,000 | $ 38,000 | $ 31,000 |
| Mitchell County Iowa | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Montgomery County Iowa | 1 | $ 14,000 | $ 14,000 | $ 59,000 |
| Page County Iowa | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Palo Alto County Iowa | 1 | $ 87,000 | $ 87,000 | $ 83,000 |
| Plymouth County Iowa | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Cass County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 176,000 |
| Chisago County Minnesota | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Crow Wing County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Dakota County Minnesota | 1 | $ 182,000 | $ 182,000 | $ 99,000 |
| Houston County Minnesota | 1 | $ 32,000 | $ 32,000 | $ 68,000 |
| Martin County Minnesota | 1 | $ 149,000 | $ 149,000 | $ 87,000 |
| Ramsey County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Clay County Missouri | 1 | $ 179,000 | $ 179,000 | $ 137,000 |
| Dodge County Nebraska | 1 | $ 149,000 | $ 149,000 | $ 168,000 |
| York County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Grant County Wisconsin | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Kenosha County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| La Crosse County Wisconsin | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| Milwaukee County Wisconsin | 1 | $ 141,000 | $ 141,000 | $ 111,000 |
| Vernon County Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Washburn County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Veridian Credit Union in 2016
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 | 3,691 | $458,307,000 | $124,000 | $6,080,000 | $84,000 | $1,414,000 |
| Home Purchase | 2,222 | $296,940,000 | $133,000 | $800,000 | $75,000 | $1,805,000 |
| Home Improvement | 1,413 | $50,129,000 | $35,000 | $300,000 | $84,000 | $924,000 |
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 | 6,114 | $646,596,000 | $105,000 | $800,000 | $82,000 | $1,805,000 |
| Not Provided | 752 | $106,878,000 | $142,000 | $2,100,000 | $86,000 | $1,075,000 |
| Hispanic | 167 | $13,278,000 | $79,000 | $324,000 | $54,000 | $236,000 |
| Black or African American | 136 | $10,720,000 | $78,000 | $417,000 | $60,000 | $193,000 |
| Asian | 121 | $19,756,000 | $163,000 | $521,000 | $103,000 | $645,000 |
| Not applicable | 15 | $6,581,000 | $438,000 | $6,080,000 | $61,000 | $209,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $1,015,000 | $92,000 | $350,000 | $125,000 | $357,000 |
| American Indian or Alaskan Native | 10 | $552,000 | $55,000 | $90,000 | $92,000 | $206,000 |
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) | 7,278 | $798,220,000 | $109,000 | $6,080,000 | $82,000 | $1,805,000 |
| VA-guaranteed (Veterans Administration) | 37 | $6,371,000 | $172,000 | $336,000 | $75,000 | $164,000 |
| FHA-insured (Federal Housing Administration) | 6 | $237,000 | $39,000 | $115,000 | $70,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $548,000 | $109,000 | $182,000 | $44,000 | $71,000 |
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 | 5,603 | $618,988,000 | $110,000 | $6,080,000 | $82,000 | $1,805,000 |
| Application Withdrawn By Applicant | 1,152 | $122,005,000 | $105,000 | $700,000 | $85,000 | $975,000 |
| Application Denied By Financial Institution | 377 | $37,456,000 | $99,000 | $724,000 | $61,000 | $611,000 |
| Application Approved But Not Accepted | 186 | $25,213,000 | $135,000 | $368,000 | $80,000 | $427,000 |
| File Closed For Incompleteness | 8 | $1,714,000 | $214,000 | $400,000 | $108,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 161 | $16,175,000 | $100,000 | $724,000 | $66,000 | $305,000 |
| Debt-To-Income Ratio | 146 | $14,909,000 | $102,000 | $520,000 | $50,000 | $384,000 |
| Collateral | 27 | $2,246,000 | $83,000 | $287,000 | $76,000 | $611,000 |
| Other | 18 | $2,129,000 | $118,000 | $250,000 | $77,000 | $176,000 |
| Employment History | 13 | $1,151,000 | $88,000 | $157,000 | $43,000 | $83,000 |
| Credit Application Incomplete | 4 | $260,000 | $65,000 | $200,000 | $125,000 | $150,000 |
| Mortgage Insurance Denied | 3 | $41,000 | $13,000 | $19,000 | $71,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $199,000 | $99,000 | $106,000 | $78,000 | $106,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2016 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.