Veridian Credit Union 2019 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 | 11,457 |
| Total Mortgage Loan Application Amount | $1,347,765,000 |
| Average Mortgage Loan Application Amount | $119,500 |
| Highest Mortgage Loan Application Amount | $19,685,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $1,478,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk County Iowa | 2,691 | $ 331,755,000 | $ 123,000 | $ 94,000 |
| Black Hawk County Iowa | 2,085 | $ 178,785,000 | $ 85,000 | $ 71,000 |
| Douglas County Nebraska | 1,352 | $ 219,310,000 | $ 162,000 | $ 110,000 |
| Linn County Iowa | 781 | $ 80,315,000 | $ 102,000 | $ 81,000 |
| Dallas County Iowa | 565 | $ 96,435,000 | $ 170,000 | $ 118,000 |
| Sarpy County Nebraska | 528 | $ 74,480,000 | $ 141,000 | $ 102,000 |
| Bremer County Iowa | 368 | $ 32,780,000 | $ 89,000 | $ 72,000 |
| Buchanan County Iowa | 284 | $ 20,170,000 | $ 71,000 | $ 68,000 |
| Warren County Iowa | 250 | $ 34,020,000 | $ 136,000 | $ 105,000 |
| Fayette County Iowa | 226 | $ 12,750,000 | $ 56,000 | $ 55,000 |
| Pottawattamie County Iowa | 221 | $ 20,475,000 | $ 92,000 | $ 87,000 |
| Johnson County Iowa | 188 | $ 27,330,000 | $ 145,000 | $ 90,000 |
| Butler County Iowa | 168 | $ 12,930,000 | $ 76,000 | $ 68,000 |
| Grundy County Iowa | 132 | $ 10,360,000 | $ 78,000 | $ 73,000 |
| Benton County Iowa | 131 | $ 12,315,000 | $ 94,000 | $ 79,000 |
| Story County Iowa | 95 | $ 12,785,000 | $ 134,000 | $ 86,000 |
| Jasper County Iowa | 79 | $ 6,015,000 | $ 76,000 | $ 78,000 |
| Chickasaw County Iowa | 71 | $ 5,715,000 | $ 80,000 | $ 76,000 |
| Madison County Iowa | 66 | $ 10,220,000 | $ 154,000 | $ 117,000 |
| Boone County Iowa | 65 | $ 6,375,000 | $ 98,000 | $ 83,000 |
| Tama County Iowa | 62 | $ 4,440,000 | $ 71,000 | $ 64,000 |
| Marshall County Iowa | 59 | $ 5,355,000 | $ 90,000 | $ 78,000 |
| Marion County Iowa | 45 | $ 4,185,000 | $ 93,000 | $ 80,000 |
| Hardin County Iowa | 42 | $ 2,370,000 | $ 56,000 | $ 70,000 |
| Washington County Nebraska | 38 | $ 8,330,000 | $ 219,000 | $ 155,000 |
| Cass County Nebraska | 37 | $ 4,585,000 | $ 123,000 | $ 83,000 |
| Cedar County Iowa | 36 | $ 2,950,000 | $ 81,000 | $ 86,000 |
| Floyd County Iowa | 33 | $ 2,065,000 | $ 62,000 | $ 58,000 |
| Guthrie County Iowa | 31 | $ 4,105,000 | $ 132,000 | $ 101,000 |
| Clayton County Iowa | 28 | $ 3,230,000 | $ 115,000 | $ 76,000 |
| Saunders County Nebraska | 26 | $ 4,270,000 | $ 164,000 | $ 124,000 |
| Poweshiek County Iowa | 25 | $ 6,575,000 | $ 263,000 | $ 87,000 |
| Mills County Iowa | 24 | $ 2,460,000 | $ 102,000 | $ 95,000 |
| Jones County Iowa | 22 | $ 3,200,000 | $ 145,000 | $ 84,000 |
| Scott County Iowa | 22 | $ 3,410,000 | $ 155,000 | $ 118,000 |
| Lancaster County Nebraska | 22 | $ 2,310,000 | $ 105,000 | $ 82,000 |
| Cerro Gordo County Iowa | 21 | $ 2,205,000 | $ 105,000 | $ 91,000 |
| Iowa County Iowa | 21 | $ 2,785,000 | $ 132,000 | $ 89,000 |
| Allamakee County Iowa | 20 | $ 1,550,000 | $ 77,000 | $ 75,000 |
| Clarke County Iowa | 18 | $ 1,040,000 | $ 57,000 | $ 63,000 |
| Washington County Iowa | 17 | $ 1,915,000 | $ 112,000 | $ 92,000 |
| Wright County Iowa | 17 | $ 1,165,000 | $ 68,000 | $ 87,000 |
| Delaware County Iowa | 16 | $ 1,500,000 | $ 93,000 | $ 103,000 |
| Franklin County Iowa | 16 | $ 990,000 | $ 61,000 | $ 66,000 |
| Muscatine County Iowa | 15 | $ 1,445,000 | $ 96,000 | $ 65,000 |
| Adair County Iowa | 14 | $ 1,060,000 | $ 75,000 | $ 65,000 |
| Webster County Iowa | 14 | $ 860,000 | $ 61,000 | $ 86,000 |
| Hamilton County Iowa | 13 | $ 765,000 | $ 58,000 | $ 61,000 |
| Woodbury County Iowa | 13 | $ 935,000 | $ 71,000 | $ 107,000 |
| Carroll County Iowa | 12 | $ 2,880,000 | $ 240,000 | $ 76,000 |
| Dickinson County Iowa | 12 | $ 2,240,000 | $ 186,000 | $ 113,000 |
| Winneshiek County Iowa | 12 | $ 1,350,000 | $ 112,000 | $ 80,000 |
| Appanoose County Iowa | 10 | $ 1,480,000 | $ 148,000 | $ 108,000 |
| Harrison County Iowa | 10 | $ 430,000 | $ 43,000 | $ 59,000 |
| Dodge County Nebraska | 10 | $ 780,000 | $ 78,000 | $ 88,000 |
| Greene County Iowa | 9 | $ 705,000 | $ 78,000 | $ 57,000 |
| Mahaska County Iowa | 9 | $ 1,075,000 | $ 119,000 | $ 122,000 |
| Wapello County Iowa | 9 | $ 485,000 | $ 53,000 | $ 64,000 |
| Cass County Iowa | 8 | $ 500,000 | $ 62,000 | $ 61,000 |
| Keokuk County Iowa | 7 | $ 225,000 | $ 32,000 | $ 57,000 |
| Lucas County Iowa | 7 | $ 415,000 | $ 59,000 | $ 70,000 |
| Hennepin County Minnesota | 7 | $ 2,385,000 | $ 340,000 | $ 142,000 |
| Clinton County Iowa | 6 | $ 350,000 | $ 58,000 | $ 41,000 |
| Decatur County Iowa | 6 | $ 270,000 | $ 45,000 | $ 65,000 |
| Des Moines County Iowa | 6 | $ 700,000 | $ 116,000 | $ 69,000 |
| Kossuth County Iowa | 6 | $ 360,000 | $ 60,000 | $ 64,000 |
| Plymouth County Iowa | 6 | $ 280,000 | $ 46,000 | $ 70,000 |
| Union County Iowa | 6 | $ 260,000 | $ 43,000 | $ 80,000 |
| Wayne County Iowa | 6 | $ 510,000 | $ 85,000 | $ 99,000 |
| Platte County Nebraska | 6 | $ 7,440,000 | $ 1,240,000 | $ 68,000 |
| Clay County Iowa | 5 | $ 475,000 | $ 95,000 | $ 94,000 |
| Fremont County Iowa | 5 | $ 235,000 | $ 47,000 | $ 49,000 |
| Mitchell County Iowa | 5 | $ 285,000 | $ 57,000 | $ 49,000 |
| Dubuque County Iowa | 4 | $ 450,000 | $ 112,000 | $ 135,000 |
| Page County Iowa | 4 | $ 250,000 | $ 62,000 | $ 95,000 |
| Shelby County Iowa | 4 | $ 980,000 | $ 245,000 | $ 102,000 |
| Worth County Iowa | 4 | $ 500,000 | $ 125,000 | $ 52,000 |
| Carver County Minnesota | 4 | $ 1,250,000 | $ 312,000 | $ 103,000 |
| Putnam County Missouri | 4 | $ 790,000 | $ 197,000 | $ 131,000 |
| Milwaukee County Wisconsin | 4 | $ 720,000 | $ 180,000 | $ 87,000 |
| Buena Vista County Iowa | 3 | $ 165,000 | $ 55,000 | $ 62,000 |
| Calhoun County Iowa | 3 | $ 125,000 | $ 41,000 | $ 109,000 |
| Davis County Iowa | 3 | $ 255,000 | $ 85,000 | $ 96,000 |
| Hancock County Iowa | 3 | $ 85,000 | $ 28,000 | $ 92,000 |
| Howard County Iowa | 3 | $ 105,000 | $ 35,000 | $ 67,000 |
| Ida County Iowa | 3 | $ 365,000 | $ 121,000 | $ 115,000 |
| Jackson County Iowa | 3 | $ 75,000 | $ 25,000 | $ 65,000 |
| Lee County Iowa | 3 | $ 285,000 | $ 95,000 | $ 47,000 |
| Montgomery County Iowa | 3 | $ 225,000 | $ 75,000 | $ 67,000 |
| O'Brien County Iowa | 3 | $ 255,000 | $ 85,000 | $ 42,000 |
| Winnebago County Iowa | 3 | $ 155,000 | $ 51,000 | $ 29,000 |
| Jackson County Missouri | 3 | $ 435,000 | $ 145,000 | $ 48,000 |
| Brown County Nebraska | 3 | $ 235,000 | $ 78,000 | $ 63,000 |
| Buffalo County Nebraska | 3 | $ 14,385,000 | $ 4,795,000 | $ 160,000 |
| Burt County Nebraska | 3 | $ 135,000 | $ 45,000 | $ 31,000 |
| Madison County Nebraska | 3 | $ 695,000 | $ 231,000 | $ 99,000 |
| Crawford County Wisconsin | 3 | $ 285,000 | $ 95,000 | $ 71,000 |
| Peoria County Illinois | 2 | $ 250,000 | $ 125,000 | $ 166,000 |
| Crawford County Iowa | 2 | $ 50,000 | $ 25,000 | $ 43,000 |
| Henry County Iowa | 2 | $ 130,000 | $ 65,000 | $ 54,000 |
| Lyon County Iowa | 2 | $ 170,000 | $ 85,000 | $ 49,000 |
| Monroe County Iowa | 2 | $ 80,000 | $ 40,000 | $ 84,000 |
| Osceola County Iowa | 2 | $ 70,000 | $ 35,000 | $ 86,000 |
| Pocahontas County Iowa | 2 | $ 30,000 | $ 15,000 | $ 14,000 |
| Ringgold County Iowa | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Taylor County Iowa | 2 | $ 120,000 | $ 60,000 | $ 108,000 |
| Itasca County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 46,000 |
| Washington County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 122,000 |
| Camden County Missouri | 2 | $ 220,000 | $ 110,000 | $ 155,000 |
| Cass County Missouri | 2 | $ 360,000 | $ 180,000 | $ 140,000 |
| Stone County Missouri | 2 | $ 350,000 | $ 175,000 | $ 110,000 |
| Lincoln County Nebraska | 2 | $ 360,000 | $ 180,000 | $ 48,000 |
| La Crosse County Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Cook County Illinois | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| DuPage County Illinois | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Jo Daviess County Illinois | 1 | $ 275,000 | $ 275,000 | $ 258,000 |
| Kane County Illinois | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| McHenry County Illinois | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| McLean County Illinois | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Rock Island County Illinois | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Adams County Iowa | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Cherokee County Iowa | 1 | $ 205,000 | $ 205,000 | $ 33,000 |
| Humboldt County Iowa | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Jefferson County Iowa | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| Louisa County Iowa | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Monona County Iowa | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Palo Alto County Iowa | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Sioux County Iowa | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Cass County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 213,000 |
| Hubbard County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Martin County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Mower County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Olmsted County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Roseau County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Wabasha County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Winona County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 610,000 |
| Wright County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Greene County Missouri | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Platte County Missouri | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Polk County Missouri | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| St. Louis City County Missouri | 1 | $ 245,000 | $ 245,000 | $ 129,000 |
| Taney County Missouri | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Adams County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Butler County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Cedar County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Cuming County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Dawson County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Johnson County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Nance County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Otoe County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Polk County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| York County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Brookings County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Union County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Denton County Texas | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Dane County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Grant County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Marinette County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 193,000 |
| Outagamie County Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| Taylor County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Waukesha County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
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 | 4,415 | $681,455,000 | $154,000 | $19,685,000 | $84,000 | $1,478,000 |
| Other Purpose | 2,913 | $159,405,000 | $54,000 | $485,000 | $90,000 | $1,207,000 |
| Home Improvement | 1,740 | $68,890,000 | $39,000 | $475,000 | $91,000 | $938,000 |
| Refinancing | 1,402 | $259,490,000 | $185,000 | $10,345,000 | $97,000 | $1,086,000 |
| Cash-out Refinancing | 986 | $178,420,000 | $180,000 | $12,095,000 | $90,000 | $611,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $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 | 9,361 | $1,002,605,000 | $107,000 | $1,405,000 | $88,000 | $1,207,000 |
| Not Provided | 937 | $132,325,000 | $141,000 | $1,705,000 | $104,000 | $1,478,000 |
| Hispanic | 458 | $35,190,000 | $76,000 | $465,000 | $71,000 | $750,000 |
| Black or African American | 271 | $23,185,000 | $85,000 | $455,000 | $72,000 | $593,000 |
| Asian | 269 | $43,605,000 | $162,000 | $525,000 | $94,000 | $383,000 |
| Not applicable | 60 | $95,910,000 | $1,598,000 | $19,685,000 | $0 | $0 |
| American Indian or Alaskan Native | 33 | $2,955,000 | $89,000 | $385,000 | $73,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $375,000 | $75,000 | $165,000 | $51,000 | $67,000 |
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) | 11,141 | $1,275,915,000 | $114,000 | $19,685,000 | $88,000 | $1,478,000 |
| VA-guaranteed (Veterans Administration) | 306 | $70,360,000 | $229,000 | $505,000 | $91,000 | $332,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,490,000 | $149,000 | $255,000 | $49,000 | $67,000 |
| 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 | 8,556 | $1,040,770,000 | $121,000 | $19,685,000 | $90,000 | $1,478,000 |
| Application Withdrawn By Applicant | 1,865 | $192,665,000 | $103,000 | $1,045,000 | $91,000 | $1,086,000 |
| Application Denied By Financial Institution | 636 | $48,050,000 | $75,000 | $465,000 | $64,000 | $938,000 |
| Application Approved But Not Accepted | 225 | $41,785,000 | $185,000 | $12,095,000 | $86,000 | $383,000 |
| File Closed For Incompleteness | 82 | $11,390,000 | $138,000 | $525,000 | $92,000 | $297,000 |
| Preapproval Approved but not Accepted | 76 | $11,240,000 | $147,000 | $445,000 | $76,000 | $230,000 |
| Preapproval Denied by Financial Institution | 17 | $1,865,000 | $109,000 | $255,000 | $58,000 | $179,000 |
| 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 | 10,804 | $1,297,850,000 | $120,000 | $19,685,000 | $90,000 | $1,478,000 |
| Debt-To-Income Ratio | 333 | $25,925,000 | $77,000 | $465,000 | $56,000 | $305,000 |
| Credit History | 244 | $16,470,000 | $67,000 | $465,000 | $73,000 | $938,000 |
| Collateral | 29 | $3,305,000 | $113,000 | $415,000 | $80,000 | $196,000 |
| Other | 19 | $1,565,000 | $82,000 | $285,000 | $77,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,225,000 | $111,000 | $235,000 | $53,000 | $99,000 |
| Unverifiable Information | 9 | $705,000 | $78,000 | $165,000 | $50,000 | $178,000 |
| Employment History | 7 | $635,000 | $90,000 | $195,000 | $83,000 | $163,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2019 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.
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