Veridian Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Veridian Credit Union 2021 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 | 13,974 |
| Total Mortgage Loan Application Amount | $1,995,440,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $35,805,000 |
| Average Applicant Income | $96,600 |
| Highest Applicant Income | $2,632,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 3,339 | $ 514,945,000 | $ 154,000 | $ 100,000 |
| Black Hawk County Iowa | 2,627 | $ 285,105,000 | $ 108,000 | $ 76,000 |
| Douglas County Nebraska | 1,571 | $ 282,885,000 | $ 180,000 | $ 119,000 |
| Linn County Iowa | 956 | $ 118,900,000 | $ 124,000 | $ 86,000 |
| Dallas County Iowa | 661 | $ 124,145,000 | $ 187,000 | $ 126,000 |
| Sarpy County Nebraska | 603 | $ 98,885,000 | $ 163,000 | $ 115,000 |
| Bremer County Iowa | 508 | $ 60,890,000 | $ 119,000 | $ 81,000 |
| Johnson County Iowa | 295 | $ 48,275,000 | $ 163,000 | $ 91,000 |
| Buchanan County Iowa | 286 | $ 29,900,000 | $ 104,000 | $ 77,000 |
| Pottawattamie County Iowa | 268 | $ 28,670,000 | $ 106,000 | $ 78,000 |
| Fayette County Iowa | 261 | $ 21,935,000 | $ 84,000 | $ 73,000 |
| Warren County Iowa | 233 | $ 41,295,000 | $ 177,000 | $ 111,000 |
| Butler County Iowa | 204 | $ 21,570,000 | $ 105,000 | $ 73,000 |
| Benton County Iowa | 160 | $ 17,020,000 | $ 106,000 | $ 81,000 |
| Grundy County Iowa | 158 | $ 18,140,000 | $ 114,000 | $ 84,000 |
| Story County Iowa | 128 | $ 18,060,000 | $ 141,000 | $ 97,000 |
| Tama County Iowa | 89 | $ 8,145,000 | $ 91,000 | $ 74,000 |
| Jasper County Iowa | 86 | $ 9,420,000 | $ 109,000 | $ 103,000 |
| Chickasaw County Iowa | 79 | $ 6,415,000 | $ 81,000 | $ 74,000 |
| Marshall County Iowa | 74 | $ 6,970,000 | $ 94,000 | $ 85,000 |
| Boone County Iowa | 70 | $ 6,830,000 | $ 97,000 | $ 90,000 |
| Madison County Iowa | 59 | $ 10,895,000 | $ 184,000 | $ 117,000 |
| Cass County Nebraska | 53 | $ 5,965,000 | $ 112,000 | $ 127,000 |
| Iowa County Iowa | 47 | $ 4,905,000 | $ 104,000 | $ 86,000 |
| Mills County Iowa | 47 | $ 7,965,000 | $ 169,000 | $ 131,000 |
| Cedar County Iowa | 42 | $ 5,690,000 | $ 135,000 | $ 86,000 |
| Marion County Iowa | 42 | $ 5,810,000 | $ 138,000 | $ 153,000 |
| Lancaster County Nebraska | 38 | $ 16,700,000 | $ 439,000 | $ 121,000 |
| Floyd County Iowa | 37 | $ 4,835,000 | $ 130,000 | $ 92,000 |
| Cerro Gordo County Iowa | 34 | $ 5,090,000 | $ 149,000 | $ 112,000 |
| Saunders County Nebraska | 34 | $ 5,190,000 | $ 152,000 | $ 120,000 |
| Jones County Iowa | 33 | $ 3,695,000 | $ 111,000 | $ 87,000 |
| Guthrie County Iowa | 32 | $ 5,000,000 | $ 156,000 | $ 129,000 |
| Poweshiek County Iowa | 32 | $ 3,860,000 | $ 120,000 | $ 91,000 |
| Washington County Iowa | 31 | $ 4,325,000 | $ 139,000 | $ 77,000 |
| Washington County Nebraska | 31 | $ 6,755,000 | $ 217,000 | $ 116,000 |
| Scott County Iowa | 29 | $ 4,445,000 | $ 153,000 | $ 120,000 |
| Hardin County Iowa | 28 | $ 1,840,000 | $ 65,000 | $ 77,000 |
| Harrison County Iowa | 22 | $ 3,200,000 | $ 145,000 | $ 94,000 |
| Dodge County Nebraska | 21 | $ 2,485,000 | $ 118,000 | $ 106,000 |
| Adair County Iowa | 20 | $ 1,980,000 | $ 99,000 | $ 122,000 |
| Clarke County Iowa | 20 | $ 2,320,000 | $ 116,000 | $ 86,000 |
| Delaware County Iowa | 20 | $ 1,970,000 | $ 98,000 | $ 88,000 |
| Clayton County Iowa | 19 | $ 1,675,000 | $ 88,000 | $ 83,000 |
| Winneshiek County Iowa | 19 | $ 2,595,000 | $ 136,000 | $ 90,000 |
| Woodbury County Iowa | 19 | $ 1,805,000 | $ 95,000 | $ 84,000 |
| Dubuque County Iowa | 18 | $ 2,750,000 | $ 152,000 | $ 102,000 |
| Franklin County Iowa | 18 | $ 1,480,000 | $ 82,000 | $ 73,000 |
| Wright County Iowa | 18 | $ 1,040,000 | $ 57,000 | $ 80,000 |
| Hamilton County Iowa | 17 | $ 1,885,000 | $ 110,000 | $ 119,000 |
| Mahaska County Iowa | 17 | $ 1,405,000 | $ 82,000 | $ 80,000 |
| Appanoose County Iowa | 13 | $ 1,875,000 | $ 144,000 | $ 98,000 |
| Muscatine County Iowa | 12 | $ 1,280,000 | $ 106,000 | $ 92,000 |
| Webster County Iowa | 12 | $ 800,000 | $ 66,000 | $ 76,000 |
| Fremont County Iowa | 11 | $ 845,000 | $ 76,000 | $ 84,000 |
| Shelby County Iowa | 11 | $ 1,175,000 | $ 106,000 | $ 89,000 |
| Wapello County Iowa | 10 | $ 910,000 | $ 91,000 | $ 77,000 |
| Allamakee County Iowa | 9 | $ 1,015,000 | $ 112,000 | $ 77,000 |
| Cass County Iowa | 9 | $ 815,000 | $ 90,000 | $ 70,000 |
| Des Moines County Iowa | 9 | $ 1,125,000 | $ 125,000 | $ 94,000 |
| Henry County Iowa | 9 | $ 1,475,000 | $ 163,000 | $ 92,000 |
| Humboldt County Iowa | 9 | $ 1,415,000 | $ 157,000 | $ 112,000 |
| Mitchell County Iowa | 8 | $ 980,000 | $ 122,000 | $ 64,000 |
| Montgomery County Iowa | 8 | $ 360,000 | $ 45,000 | $ 42,000 |
| Worth County Iowa | 8 | $ 530,000 | $ 66,000 | $ 79,000 |
| Greene County Iowa | 7 | $ 825,000 | $ 117,000 | $ 97,000 |
| Ringgold County Iowa | 7 | $ 1,265,000 | $ 180,000 | $ 116,000 |
| Union County Iowa | 7 | $ 145,000 | $ 20,000 | $ 58,000 |
| Camden County Missouri | 7 | $ 1,645,000 | $ 235,000 | $ 183,000 |
| Cook County Illinois | 6 | $ 1,160,000 | $ 193,000 | $ 99,000 |
| Howard County Iowa | 6 | $ 810,000 | $ 135,000 | $ 83,000 |
| Plymouth County Iowa | 6 | $ 720,000 | $ 120,000 | $ 77,000 |
| Calhoun County Iowa | 5 | $ 405,000 | $ 81,000 | $ 176,000 |
| Clinton County Iowa | 5 | $ 595,000 | $ 119,000 | $ 61,000 |
| Decatur County Iowa | 5 | $ 325,000 | $ 65,000 | $ 93,000 |
| Jackson County Iowa | 5 | $ 535,000 | $ 107,000 | $ 140,000 |
| Louisa County Iowa | 5 | $ 655,000 | $ 131,000 | $ 67,000 |
| Lucas County Iowa | 5 | $ 905,000 | $ 181,000 | $ 322,000 |
| Pocahontas County Iowa | 5 | $ 305,000 | $ 61,000 | $ 48,000 |
| Winnebago County Iowa | 5 | $ 525,000 | $ 105,000 | $ 97,000 |
| Buena Vista County Iowa | 4 | $ 190,000 | $ 47,000 | $ 77,000 |
| Dickinson County Iowa | 4 | $ 640,000 | $ 160,000 | $ 86,000 |
| Hancock County Iowa | 4 | $ 270,000 | $ 67,000 | $ 103,000 |
| Keokuk County Iowa | 4 | $ 280,000 | $ 70,000 | $ 78,000 |
| Kossuth County Iowa | 4 | $ 150,000 | $ 37,000 | $ 42,000 |
| Monroe County Iowa | 4 | $ 560,000 | $ 140,000 | $ 98,000 |
| Palo Alto County Iowa | 4 | $ 310,000 | $ 77,000 | $ 128,000 |
| Sac County Iowa | 4 | $ 260,000 | $ 65,000 | $ 76,000 |
| Wayne County Iowa | 4 | $ 210,000 | $ 52,000 | $ 50,000 |
| Carver County Minnesota | 4 | $ 1,540,000 | $ 385,000 | $ 162,000 |
| Otoe County Nebraska | 4 | $ 750,000 | $ 187,000 | $ 80,000 |
| Lincoln County South Dakota | 4 | $ 36,680,000 | $ 9,170,000 | $ 123,000 |
| Audubon County Iowa | 3 | $ 275,000 | $ 91,000 | $ 71,000 |
| Carroll County Iowa | 3 | $ 165,000 | $ 55,000 | $ 70,000 |
| Clay County Iowa | 3 | $ 125,000 | $ 41,000 | $ 63,000 |
| Jefferson County Iowa | 3 | $ 455,000 | $ 151,000 | $ 95,000 |
| Dakota County Minnesota | 3 | $ 495,000 | $ 165,000 | $ 193,000 |
| Hennepin County Minnesota | 3 | $ 935,000 | $ 311,000 | $ 137,000 |
| Crawford County Wisconsin | 3 | $ 505,000 | $ 168,000 | $ 115,000 |
| Kane County Illinois | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Lake County Illinois | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Rock Island County Illinois | 2 | $ 250,000 | $ 125,000 | $ 105,000 |
| Adams County Iowa | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Davis County Iowa | 2 | $ 250,000 | $ 125,000 | $ 81,000 |
| Lee County Iowa | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Monona County Iowa | 2 | $ 300,000 | $ 150,000 | $ 131,000 |
| Page County Iowa | 2 | $ 130,000 | $ 65,000 | $ 50,000 |
| Taylor County Iowa | 2 | $ 570,000 | $ 285,000 | $ 177,000 |
| Ramsey County Minnesota | 2 | $ 570,000 | $ 285,000 | $ 149,000 |
| Scott County Minnesota | 2 | $ 810,000 | $ 405,000 | $ 129,000 |
| Adair County Missouri | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Andrew County Missouri | 2 | $ 250,000 | $ 125,000 | $ 81,000 |
| Greene County Missouri | 2 | $ 440,000 | $ 220,000 | $ 127,000 |
| Cuming County Nebraska | 2 | $ 250,000 | $ 125,000 | $ 134,000 |
| Dawson County Nebraska | 2 | $ 270,000 | $ 135,000 | $ 103,000 |
| Dixon County Nebraska | 2 | $ 230,000 | $ 115,000 | $ 85,000 |
| Hall County Nebraska | 2 | $ 90,000 | $ 45,000 | $ 50,000 |
| Hamilton County Nebraska | 2 | $ 150,000 | $ 75,000 | $ 199,000 |
| Madison County Nebraska | 2 | $ 280,000 | $ 140,000 | $ 122,000 |
| Nemaha County Nebraska | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Platte County Nebraska | 2 | $ 390,000 | $ 195,000 | $ 114,000 |
| Richardson County Nebraska | 2 | $ 70,000 | $ 35,000 | $ 91,000 |
| York County Nebraska | 2 | $ 100,000 | $ 50,000 | $ 96,000 |
| Dane County Wisconsin | 2 | $ 670,000 | $ 335,000 | $ 171,000 |
| Douglas County Wisconsin | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Iowa County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 153,000 |
| Milwaukee County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Marin County California | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Carroll County Illinois | 1 | $ 35,000 | $ 35,000 | $ 14,000 |
| De Witt County Illinois | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| DuPage County Illinois | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| LaSalle County Illinois | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Peoria County Illinois | 1 | $ 315,000 | $ 315,000 | $ 375,000 |
| Crawford County Iowa | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Emmet County Iowa | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Lyon County Iowa | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Osceola County Iowa | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
| Sioux County Iowa | 1 | $ 65,000 | $ 65,000 | $ 133,000 |
| Brown County Kansas | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Ouachita County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Anoka County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 171,000 |
| Dodge County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Faribault County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Fillmore County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Hubbard County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Le Sueur County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 127,000 |
| Olmsted County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Rice County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 146,000 |
| St. Louis County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 247,000 |
| Stearns County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Benton County Missouri | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Cass County Missouri | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Jackson County Missouri | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Linn County Missouri | 1 | $ 155,000 | $ 155,000 | $ 139,000 |
| Morgan County Missouri | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Pettis County Missouri | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Putnam County Missouri | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Ray County Missouri | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Saline County Missouri | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| St. Charles County Missouri | 1 | $ 145,000 | $ 145,000 | $ 146,000 |
| St. Louis City County Missouri | 1 | $ 215,000 | $ 215,000 | $ 150,000 |
| Stone County Missouri | 1 | $ 225,000 | $ 225,000 | $ 30,000 |
| Adams County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Brown County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Buffalo County Nebraska | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Burt County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Butler County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Colfax County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Dakota County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Jefferson County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Lincoln County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 174,000 |
| Merrick County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Pierce County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Sheridan County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Thayer County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Armstrong County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Lake County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Yankton County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Hidalgo County Texas | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Tarrant County Texas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Ashland County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 224,000 |
| Dunn County Wisconsin | 1 | $ 7,835,000 | $ 7,835,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 320,000 |
| La Crosse County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 128,000 |
| Price County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Vernon County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Walworth County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Veridian Credit Union in 2021
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 | 4,121 | $813,935,000 | $197,000 | $35,805,000 | $90,000 | $2,064,000 |
| Refinancing | 3,835 | $589,235,000 | $153,000 | $7,355,000 | $97,000 | $2,632,000 |
| Home Improvement | 2,278 | $114,030,000 | $50,000 | $475,000 | $98,000 | $1,080,000 |
| Other Purpose | 2,263 | $181,925,000 | $80,000 | $545,000 | $98,000 | $1,740,000 |
| Cash-out Refinancing | 1,477 | $296,315,000 | $200,000 | $17,205,000 | $100,000 | $1,748,000 |
| 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 | 10,726 | $1,340,130,000 | $124,000 | $855,000 | $95,000 | $2,632,000 |
| Not Provided | 1,699 | $308,755,000 | $181,000 | $1,505,000 | $109,000 | $1,644,000 |
| Hispanic | 587 | $65,625,000 | $111,000 | $545,000 | $76,000 | $1,248,000 |
| Asian | 443 | $81,945,000 | $184,000 | $675,000 | $104,000 | $459,000 |
| Black or African American | 372 | $40,490,000 | $108,000 | $515,000 | $70,000 | $450,000 |
| Not applicable | 39 | $138,495,000 | $3,551,000 | $35,805,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $3,685,000 | $118,000 | $465,000 | $98,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,435,000 | $159,000 | $395,000 | $93,000 | $172,000 |
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) | 13,720 | $1,932,890,000 | $140,000 | $35,805,000 | $95,000 | $2,632,000 |
| VA-guaranteed (Veterans Administration) | 252 | $62,130,000 | $246,000 | $635,000 | $97,000 | $282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $420,000 | $210,000 | $265,000 | $66,000 | $79,000 |
| 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 | 10,250 | $1,570,120,000 | $153,000 | $35,805,000 | $96,000 | $1,644,000 |
| Application Withdrawn By Applicant | 1,850 | $244,220,000 | $132,000 | $615,000 | $104,000 | $2,632,000 |
| File Closed For Incompleteness | 901 | $82,465,000 | $91,000 | $545,000 | $94,000 | $1,482,000 |
| Application Denied By Financial Institution | 797 | $71,745,000 | $90,000 | $655,000 | $76,000 | $1,248,000 |
| Application Approved But Not Accepted | 108 | $13,530,000 | $125,000 | $445,000 | $96,000 | $1,002,000 |
| Preapproval Approved but not Accepted | 58 | $12,090,000 | $208,000 | $535,000 | $82,000 | $260,000 |
| Preapproval Denied by Financial Institution | 10 | $1,270,000 | $127,000 | $515,000 | $46,000 | $95,000 |
| 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 | 13,167 | $1,922,425,000 | $146,000 | $35,805,000 | $97,000 | $2,632,000 |
| Credit History | 354 | $24,530,000 | $69,000 | $495,000 | $87,000 | $1,248,000 |
| Debt-To-Income Ratio | 347 | $34,175,000 | $98,000 | $535,000 | $58,000 | $1,080,000 |
| Collateral | 64 | $6,770,000 | $105,000 | $655,000 | $81,000 | $234,000 |
| Unverifiable Information | 14 | $2,870,000 | $205,000 | $515,000 | $131,000 | $655,000 |
| Other | 10 | $1,190,000 | $119,000 | $255,000 | $81,000 | $205,000 |
| Employment History | 9 | $1,175,000 | $130,000 | $545,000 | $60,000 | $125,000 |
| Mortgage Insurance Denied | 4 | $850,000 | $212,000 | $305,000 | $356,000 | $1,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $875,000 | $291,000 | $355,000 | $85,000 | $128,000 |
| Credit Application Incomplete | 2 | $580,000 | $290,000 | $295,000 | $119,000 | $119,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2021 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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with aggregated HMDA statistics today.