Veridian Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Veridian Credit Union 2017 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 | 5,026 |
| Total Mortgage Loan Application Amount | $542,638,000 |
| Average Mortgage Loan Application Amount | $94,666 |
| Highest Mortgage Loan Application Amount | $11,265,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,369,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| 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 | 1,308 | $ 111,051,000 | $ 84,000 | $ 63,000 |
| Polk County Iowa | 1,086 | $ 142,918,000 | $ 131,000 | $ 86,000 |
| Linn County Iowa | 402 | $ 40,598,000 | $ 100,000 | $ 74,000 |
| Bremer County Iowa | 264 | $ 23,896,000 | $ 90,000 | $ 72,000 |
| Douglas County Nebraska | 195 | $ 36,851,000 | $ 188,000 | $ 104,000 |
| Dallas County Iowa | 189 | $ 30,721,000 | $ 162,000 | $ 114,000 |
| Buchanan County Iowa | 163 | $ 12,159,000 | $ 74,000 | $ 64,000 |
| Butler County Iowa | 144 | $ 11,065,000 | $ 76,000 | $ 63,000 |
| Johnson County Iowa | 118 | $ 18,992,000 | $ 160,000 | $ 85,000 |
| Fayette County Iowa | 112 | $ 7,230,000 | $ 64,000 | $ 52,000 |
| Grundy County Iowa | 101 | $ 8,234,000 | $ 81,000 | $ 69,000 |
| Pottawattamie County Iowa | 92 | $ 7,930,000 | $ 86,000 | $ 69,000 |
| Warren County Iowa | 67 | $ 12,271,000 | $ 183,000 | $ 82,000 |
| Story County Iowa | 63 | $ 8,022,000 | $ 127,000 | $ 104,000 |
| Sarpy County Nebraska | 61 | $ 7,256,000 | $ 118,000 | $ 86,000 |
| Benton County Iowa | 56 | $ 5,451,000 | $ 97,000 | $ 69,000 |
| Chickasaw County Iowa | 46 | $ 2,995,000 | $ 65,000 | $ 74,000 |
| Tama County Iowa | 46 | $ 3,652,000 | $ 79,000 | $ 83,000 |
| Jasper County Iowa | 26 | $ 1,663,000 | $ 63,000 | $ 67,000 |
| Madison County Iowa | 26 | $ 2,802,000 | $ 107,000 | $ 85,000 |
| Boone County Iowa | 24 | $ 5,237,000 | $ 218,000 | $ 73,000 |
| Cedar County Iowa | 20 | $ 2,317,000 | $ 115,000 | $ 79,000 |
| Hardin County Iowa | 20 | $ 1,260,000 | $ 63,000 | $ 64,000 |
| Floyd County Iowa | 19 | $ 1,070,000 | $ 56,000 | $ 71,000 |
| Marion County Iowa | 19 | $ 1,336,000 | $ 70,000 | $ 90,000 |
| Cerro Gordo County Iowa | 15 | $ 1,721,000 | $ 114,000 | $ 78,000 |
| Marshall County Iowa | 15 | $ 1,222,000 | $ 81,000 | $ 65,000 |
| Franklin County Iowa | 13 | $ 700,000 | $ 53,000 | $ 56,000 |
| Muscatine County Iowa | 13 | $ 1,657,000 | $ 127,000 | $ 72,000 |
| Delaware County Iowa | 12 | $ 796,000 | $ 66,000 | $ 68,000 |
| Hamilton County Iowa | 11 | $ 699,000 | $ 63,000 | $ 95,000 |
| Jones County Iowa | 11 | $ 1,017,000 | $ 92,000 | $ 87,000 |
| Dubuque County Iowa | 10 | $ 1,375,000 | $ 137,000 | $ 59,000 |
| Iowa County Iowa | 10 | $ 716,000 | $ 71,000 | $ 76,000 |
| Scott County Iowa | 10 | $ 1,766,000 | $ 176,000 | $ 111,000 |
| Winneshiek County Iowa | 10 | $ 914,000 | $ 91,000 | $ 118,000 |
| Adair County Iowa | 9 | $ 636,000 | $ 70,000 | $ 62,000 |
| Poweshiek County Iowa | 9 | $ 1,012,000 | $ 112,000 | $ 86,000 |
| Guthrie County Iowa | 8 | $ 1,222,000 | $ 152,000 | $ 103,000 |
| Washington County Iowa | 8 | $ 1,011,000 | $ 126,000 | $ 93,000 |
| Webster County Iowa | 8 | $ 373,000 | $ 46,000 | $ 94,000 |
| Clayton County Iowa | 7 | $ 489,000 | $ 69,000 | $ 71,000 |
| Dodge County Nebraska | 7 | $ 497,000 | $ 71,000 | $ 77,000 |
| Lancaster County Nebraska | 7 | $ 743,000 | $ 106,000 | $ 61,000 |
| Shelby County Iowa | 6 | $ 794,000 | $ 132,000 | $ 59,000 |
| Worth County Iowa | 6 | $ 522,000 | $ 87,000 | $ 60,000 |
| Allamakee County Iowa | 5 | $ 597,000 | $ 119,000 | $ 76,000 |
| Appanoose County Iowa | 5 | $ 261,000 | $ 52,000 | $ 76,000 |
| Clarke County Iowa | 5 | $ 310,000 | $ 62,000 | $ 75,000 |
| Howard County Iowa | 5 | $ 467,000 | $ 93,000 | $ 50,000 |
| Jackson County Iowa | 5 | $ 427,000 | $ 85,000 | $ 75,000 |
| Mahaska County Iowa | 5 | $ 442,000 | $ 88,000 | $ 127,000 |
| Mills County Iowa | 5 | $ 457,000 | $ 91,000 | $ 49,000 |
| Ringgold County Iowa | 5 | $ 884,000 | $ 176,000 | $ 138,000 |
| Wapello County Iowa | 5 | $ 162,000 | $ 32,000 | $ 59,000 |
| Wright County Iowa | 5 | $ 502,000 | $ 100,000 | $ 62,000 |
| Washington County Nebraska | 5 | $ 673,000 | $ 134,000 | $ 95,000 |
| Jackson County Missouri | 4 | $ 503,000 | $ 125,000 | $ 219,000 |
| Saunders County Nebraska | 4 | $ 594,000 | $ 148,000 | $ 119,000 |
| Buena Vista County Iowa | 3 | $ 384,000 | $ 128,000 | $ 62,000 |
| Calhoun County Iowa | 3 | $ 188,000 | $ 62,000 | $ 142,000 |
| Carroll County Iowa | 3 | $ 175,000 | $ 58,000 | $ 75,000 |
| Fremont County Iowa | 3 | $ 128,000 | $ 42,000 | $ 44,000 |
| Harrison County Iowa | 3 | $ 291,000 | $ 97,000 | $ 39,000 |
| Union County Iowa | 3 | $ 154,000 | $ 51,000 | $ 81,000 |
| Will County Illinois | 2 | $ 244,000 | $ 122,000 | $ 58,000 |
| Cass County Iowa | 2 | $ 145,000 | $ 72,000 | $ 53,000 |
| Clinton County Iowa | 2 | $ 89,000 | $ 44,000 | $ 58,000 |
| Crawford County Iowa | 2 | $ 122,000 | $ 61,000 | $ 88,000 |
| Decatur County Iowa | 2 | $ 231,000 | $ 115,000 | $ 123,000 |
| Des Moines County Iowa | 2 | $ 449,000 | $ 224,000 | $ 88,000 |
| Hancock County Iowa | 2 | $ 27,000 | $ 13,000 | $ 34,000 |
| Humboldt County Iowa | 2 | $ 258,000 | $ 129,000 | $ 105,000 |
| Montgomery County Iowa | 2 | $ 128,000 | $ 64,000 | $ 70,000 |
| Osceola County Iowa | 2 | $ 265,000 | $ 132,000 | $ 140,000 |
| Pocahontas County Iowa | 2 | $ 118,000 | $ 59,000 | $ 44,000 |
| Taylor County Iowa | 2 | $ 84,000 | $ 42,000 | $ 65,000 |
| Blue Earth County Minnesota | 2 | $ 369,000 | $ 184,000 | $ 80,000 |
| Freeborn County Minnesota | 2 | $ 400,000 | $ 200,000 | $ 258,000 |
| Camden County Missouri | 2 | $ 466,000 | $ 233,000 | $ 183,000 |
| Adams County Nebraska | 2 | $ 125,000 | $ 62,000 | $ 38,000 |
| Platte County Nebraska | 2 | $ 191,000 | $ 95,000 | $ 47,000 |
| Cook County Illinois | 1 | $ 183,000 | $ 183,000 | $ 80,000 |
| McHenry County Illinois | 1 | $ 189,000 | $ 189,000 | $ 97,000 |
| Rock Island County Illinois | 1 | $ 94,000 | $ 94,000 | $ 71,000 |
| Davis County Iowa | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Greene County Iowa | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Henry County Iowa | 1 | $ 12,000 | $ 12,000 | $ 72,000 |
| Keokuk County Iowa | 1 | $ 26,000 | $ 26,000 | $ 42,000 |
| Louisa County Iowa | 1 | $ 176,000 | $ 176,000 | $ 134,000 |
| Lucas County Iowa | 1 | $ 10,000 | $ 10,000 | $ 33,000 |
| Monona County Iowa | 1 | $ 91,000 | $ 91,000 | $ 113,000 |
| Monroe County Iowa | 1 | $ 18,000 | $ 18,000 | $ 35,000 |
| Page County Iowa | 1 | $ 181,000 | $ 181,000 | $ 69,000 |
| Winnebago County Iowa | 1 | $ 9,000 | $ 9,000 | $ 43,000 |
| Macomb County Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cass County Minnesota | 1 | $ 216,000 | $ 216,000 | $ 112,000 |
| Dakota County Minnesota | 1 | $ 169,000 | $ 169,000 | $ 47,000 |
| Hennepin County Minnesota | 1 | $ 404,000 | $ 404,000 | $ 127,000 |
| Houston County Minnesota | 1 | $ 103,000 | $ 103,000 | $ 70,000 |
| Itasca County Minnesota | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Olmsted County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 117,000 |
| Rice County Minnesota | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| Roseau County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Buchanan County Missouri | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Lawrence County Missouri | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Mercer County Missouri | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Nodaway County Missouri | 1 | $ 67,000 | $ 67,000 | $ 99,000 |
| Cass County Nebraska | 1 | $ 180,000 | $ 180,000 | $ 263,000 |
| Merrick County Nebraska | 1 | $ 240,000 | $ 240,000 | $ 240,000 |
| Polk County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 71,000 |
| Sheridan County Nebraska | 1 | $ 22,000 | $ 22,000 | $ 64,000 |
| Monmouth County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 139,000 |
| Clay County South Dakota | 1 | $ 59,000 | $ 59,000 | $ 41,000 |
| Lincoln County South Dakota | 1 | $ 364,000 | $ 364,000 | $ 85,000 |
| Pennington County South Dakota | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Dallas County Texas | 1 | $ 50,000 | $ 50,000 | $ 223,000 |
| Milwaukee County Wisconsin | 1 | $ 34,000 | $ 34,000 | $ 35,000 |
| Outagamie County Wisconsin | 1 | $ 280,000 | $ 280,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Veridian Credit Union in 2017
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 Purchase | 2,183 | $258,145,000 | $118,000 | $1,300,000 | $73,000 | $1,369,000 |
| Refinancing | 1,923 | $249,847,000 | $129,000 | $11,265,000 | $77,000 | $858,000 |
| Home Improvement | 920 | $34,646,000 | $37,000 | $485,000 | $84,000 | $1,305,000 |
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 | 3,953 | $373,982,000 | $94,000 | $987,000 | $77,000 | $858,000 |
| Not Provided | 689 | $131,477,000 | $190,000 | $11,265,000 | $77,000 | $687,000 |
| Hispanic | 145 | $12,770,000 | $88,000 | $405,000 | $62,000 | $223,000 |
| Black or African American | 119 | $9,778,000 | $82,000 | $308,000 | $74,000 | $1,369,000 |
| Asian | 90 | $12,218,000 | $135,000 | $404,000 | $92,000 | $1,305,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $1,095,000 | $68,000 | $200,000 | $89,000 | $396,000 |
| American Indian or Alaskan Native | 13 | $1,094,000 | $84,000 | $216,000 | $57,000 | $150,000 |
| Not applicable | 1 | $224,000 | $224,000 | $224,000 | $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) | 4,979 | $534,701,000 | $107,000 | $11,265,000 | $77,000 | $1,369,000 |
| VA-guaranteed (Veterans Administration) | 43 | $7,496,000 | $174,000 | $424,000 | $76,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $441,000 | $110,000 | $216,000 | $40,000 | $69,000 |
| FHA-insured (Federal Housing 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 | 3,648 | $379,826,000 | $104,000 | $7,525,000 | $76,000 | $858,000 |
| Application Withdrawn By Applicant | 959 | $125,444,000 | $130,000 | $11,265,000 | $83,000 | $1,305,000 |
| Application Denied By Financial Institution | 297 | $24,151,000 | $81,000 | $400,000 | $70,000 | $1,369,000 |
| Application Approved But Not Accepted | 111 | $11,713,000 | $105,000 | $544,000 | $70,000 | $299,000 |
| File Closed For Incompleteness | 9 | $1,192,000 | $132,000 | $240,000 | $96,000 | $358,000 |
| Preapproval Approved but not Accepted | 2 | $312,000 | $156,000 | $240,000 | $132,000 | $233,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 115 | $8,129,000 | $70,000 | $224,000 | $76,000 | $1,369,000 |
| Debt-To-Income Ratio | 111 | $9,967,000 | $89,000 | $400,000 | $59,000 | $505,000 |
| Collateral | 28 | $1,663,000 | $59,000 | $279,000 | $66,000 | $223,000 |
| Other | 12 | $1,272,000 | $106,000 | $217,000 | $95,000 | $244,000 |
| Employment History | 8 | $731,000 | $91,000 | $193,000 | $49,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,017,000 | $145,000 | $400,000 | $53,000 | $151,000 |
| Credit Application Incomplete | 7 | $311,000 | $44,000 | $204,000 | $150,000 | $520,000 |
| Unverifiable Information | 4 | $683,000 | $170,000 | $247,000 | $101,000 | $240,000 |
| Mortgage Insurance Denied | 3 | $270,000 | $90,000 | $153,000 | $82,000 | $101,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2017 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.