Veridian Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Veridian Credit Union 2022 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 | 12,002 |
| Total Mortgage Loan Application Amount | $1,698,490,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $60,005,000 |
| Average Applicant Income | $97,800 |
| Highest Applicant Income | $2,750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 2,639 | $ 338,035,000 | $ 128,000 | $ 103,000 |
| Black Hawk County Iowa | 2,299 | $ 212,635,000 | $ 92,000 | $ 76,000 |
| Douglas County Nebraska | 1,444 | $ 318,170,000 | $ 220,000 | $ 127,000 |
| Linn County Iowa | 780 | $ 84,630,000 | $ 108,000 | $ 95,000 |
| Sarpy County Nebraska | 585 | $ 81,675,000 | $ 139,000 | $ 128,000 |
| Dallas County Iowa | 562 | $ 137,610,000 | $ 244,000 | $ 128,000 |
| Bremer County Iowa | 369 | $ 39,215,000 | $ 106,000 | $ 90,000 |
| Buchanan County Iowa | 282 | $ 24,900,000 | $ 88,000 | $ 82,000 |
| Warren County Iowa | 270 | $ 37,350,000 | $ 138,000 | $ 125,000 |
| Pottawattamie County Iowa | 223 | $ 22,865,000 | $ 102,000 | $ 95,000 |
| Butler County Iowa | 207 | $ 20,265,000 | $ 97,000 | $ 80,000 |
| Fayette County Iowa | 203 | $ 15,035,000 | $ 74,000 | $ 68,000 |
| Johnson County Iowa | 173 | $ 25,675,000 | $ 148,000 | $ 103,000 |
| Grundy County Iowa | 149 | $ 15,545,000 | $ 104,000 | $ 85,000 |
| Story County Iowa | 134 | $ 17,480,000 | $ 130,000 | $ 114,000 |
| Tama County Iowa | 96 | $ 9,040,000 | $ 94,000 | $ 75,000 |
| Benton County Iowa | 94 | $ 8,350,000 | $ 88,000 | $ 92,000 |
| Jasper County Iowa | 81 | $ 7,505,000 | $ 92,000 | $ 93,000 |
| Chickasaw County Iowa | 76 | $ 5,790,000 | $ 76,000 | $ 65,000 |
| Madison County Iowa | 60 | $ 9,230,000 | $ 153,000 | $ 122,000 |
| Cass County Nebraska | 60 | $ 7,230,000 | $ 120,000 | $ 134,000 |
| Marshall County Iowa | 56 | $ 4,990,000 | $ 89,000 | $ 85,000 |
| Lancaster County Nebraska | 51 | $ 5,935,000 | $ 116,000 | $ 124,000 |
| Marion County Iowa | 49 | $ 6,225,000 | $ 127,000 | $ 111,000 |
| Boone County Iowa | 42 | $ 5,230,000 | $ 124,000 | $ 110,000 |
| Hardin County Iowa | 40 | $ 2,520,000 | $ 63,000 | $ 86,000 |
| Mills County Iowa | 39 | $ 6,735,000 | $ 172,000 | $ 113,000 |
| Cerro Gordo County Iowa | 30 | $ 4,500,000 | $ 150,000 | $ 84,000 |
| Poweshiek County Iowa | 30 | $ 2,230,000 | $ 74,000 | $ 80,000 |
| Floyd County Iowa | 29 | $ 2,925,000 | $ 100,000 | $ 58,000 |
| Guthrie County Iowa | 29 | $ 2,995,000 | $ 103,000 | $ 99,000 |
| Clarke County Iowa | 27 | $ 2,215,000 | $ 82,000 | $ 72,000 |
| Jones County Iowa | 25 | $ 2,465,000 | $ 98,000 | $ 77,000 |
| Clayton County Iowa | 24 | $ 2,690,000 | $ 112,000 | $ 76,000 |
| Iowa County Iowa | 23 | $ 2,685,000 | $ 116,000 | $ 83,000 |
| Harrison County Iowa | 22 | $ 3,280,000 | $ 149,000 | $ 111,000 |
| Franklin County Iowa | 20 | $ 1,250,000 | $ 62,000 | $ 62,000 |
| Washington County Nebraska | 20 | $ 4,840,000 | $ 242,000 | $ 161,000 |
| Scott County Iowa | 19 | $ 3,565,000 | $ 187,000 | $ 100,000 |
| Washington County Iowa | 19 | $ 1,765,000 | $ 92,000 | $ 91,000 |
| Woodbury County Iowa | 19 | $ 1,415,000 | $ 74,000 | $ 90,000 |
| Dodge County Nebraska | 19 | $ 2,105,000 | $ 110,000 | $ 123,000 |
| Dubuque County Iowa | 18 | $ 1,830,000 | $ 101,000 | $ 81,000 |
| Cass County Iowa | 17 | $ 1,195,000 | $ 70,000 | $ 103,000 |
| Cedar County Iowa | 16 | $ 1,750,000 | $ 109,000 | $ 64,000 |
| Saunders County Nebraska | 16 | $ 2,720,000 | $ 170,000 | $ 146,000 |
| Allamakee County Iowa | 15 | $ 1,875,000 | $ 125,000 | $ 71,000 |
| Hamilton County Iowa | 15 | $ 1,355,000 | $ 90,000 | $ 105,000 |
| Adair County Iowa | 13 | $ 1,115,000 | $ 85,000 | $ 79,000 |
| Lucas County Iowa | 13 | $ 1,745,000 | $ 134,000 | $ 77,000 |
| Union County Iowa | 13 | $ 925,000 | $ 71,000 | $ 78,000 |
| Wright County Iowa | 13 | $ 765,000 | $ 58,000 | $ 66,000 |
| Appanoose County Iowa | 12 | $ 2,860,000 | $ 238,000 | $ 386,000 |
| Delaware County Iowa | 12 | $ 1,360,000 | $ 113,000 | $ 86,000 |
| Dickinson County Iowa | 12 | $ 1,770,000 | $ 147,000 | $ 159,000 |
| Webster County Iowa | 12 | $ 1,000,000 | $ 83,000 | $ 74,000 |
| Des Moines County Iowa | 11 | $ 765,000 | $ 69,000 | $ 72,000 |
| Greene County Iowa | 11 | $ 725,000 | $ 65,000 | $ 61,000 |
| Mahaska County Iowa | 11 | $ 865,000 | $ 78,000 | $ 77,000 |
| Clinton County Iowa | 10 | $ 1,290,000 | $ 129,000 | $ 110,000 |
| Audubon County Iowa | 9 | $ 985,000 | $ 109,000 | $ 107,000 |
| Decatur County Iowa | 9 | $ 565,000 | $ 62,000 | $ 57,000 |
| Muscatine County Iowa | 9 | $ 1,205,000 | $ 133,000 | $ 87,000 |
| Wapello County Iowa | 9 | $ 685,000 | $ 76,000 | $ 82,000 |
| Winneshiek County Iowa | 9 | $ 1,315,000 | $ 146,000 | $ 81,000 |
| Hancock County Iowa | 8 | $ 600,000 | $ 75,000 | $ 59,000 |
| Otoe County Nebraska | 8 | $ 660,000 | $ 82,000 | $ 106,000 |
| Mitchell County Iowa | 7 | $ 705,000 | $ 100,000 | $ 112,000 |
| Palo Alto County Iowa | 7 | $ 405,000 | $ 57,000 | $ 118,000 |
| Fremont County Iowa | 6 | $ 480,000 | $ 80,000 | $ 82,000 |
| Jefferson County Iowa | 6 | $ 380,000 | $ 63,000 | $ 118,000 |
| Kossuth County Iowa | 6 | $ 350,000 | $ 58,000 | $ 102,000 |
| Shelby County Iowa | 6 | $ 370,000 | $ 61,000 | $ 50,000 |
| York County Nebraska | 6 | $ 500,000 | $ 83,000 | $ 87,000 |
| Carroll County Iowa | 5 | $ 235,000 | $ 47,000 | $ 110,000 |
| Keokuk County Iowa | 5 | $ 275,000 | $ 55,000 | $ 45,000 |
| Monona County Iowa | 5 | $ 1,075,000 | $ 215,000 | $ 130,000 |
| Adams County Nebraska | 5 | $ 605,000 | $ 121,000 | $ 76,000 |
| Cedar County Nebraska | 5 | $ 845,000 | $ 169,000 | $ 78,000 |
| Hall County Nebraska | 5 | $ 18,445,000 | $ 3,689,000 | $ 106,000 |
| Cook County Illinois | 4 | $ 28,520,000 | $ 7,130,000 | $ 95,000 |
| Buena Vista County Iowa | 4 | $ 280,000 | $ 70,000 | $ 76,000 |
| Crawford County Iowa | 4 | $ 360,000 | $ 90,000 | $ 172,000 |
| Howard County Iowa | 4 | $ 250,000 | $ 62,000 | $ 57,000 |
| Monroe County Iowa | 4 | $ 310,000 | $ 77,000 | $ 104,000 |
| Montgomery County Iowa | 4 | $ 430,000 | $ 107,000 | $ 108,000 |
| Pocahontas County Iowa | 4 | $ 200,000 | $ 50,000 | $ 50,000 |
| Dakota County Minnesota | 4 | $ 1,210,000 | $ 302,000 | $ 109,000 |
| Camden County Missouri | 4 | $ 1,490,000 | $ 372,000 | $ 246,000 |
| Calhoun County Iowa | 3 | $ 565,000 | $ 188,000 | $ 159,000 |
| Humboldt County Iowa | 3 | $ 275,000 | $ 91,000 | $ 83,000 |
| Jackson County Iowa | 3 | $ 505,000 | $ 168,000 | $ 59,000 |
| O'Brien County Iowa | 3 | $ 235,000 | $ 78,000 | $ 100,000 |
| Page County Iowa | 3 | $ 125,000 | $ 41,000 | $ 80,000 |
| Plymouth County Iowa | 3 | $ 315,000 | $ 105,000 | $ 44,000 |
| Ringgold County Iowa | 3 | $ 1,125,000 | $ 375,000 | $ 285,000 |
| Washington County Minnesota | 3 | $ 865,000 | $ 288,000 | $ 157,000 |
| Mercer County Missouri | 3 | $ 785,000 | $ 261,000 | $ 113,000 |
| Cuming County Nebraska | 3 | $ 485,000 | $ 161,000 | $ 74,000 |
| Maricopa County Arizona | 2 | $ 110,000 | $ 55,000 | $ 56,000 |
| Jo Daviess County Illinois | 2 | $ 400,000 | $ 200,000 | $ 164,000 |
| McLean County Illinois | 2 | $ 170,000 | $ 85,000 | $ 133,000 |
| Davis County Iowa | 2 | $ 140,000 | $ 70,000 | $ 49,000 |
| Emmet County Iowa | 2 | $ 190,000 | $ 95,000 | $ 76,000 |
| Louisa County Iowa | 2 | $ 800,000 | $ 400,000 | $ 114,000 |
| Osceola County Iowa | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Sac County Iowa | 2 | $ 50,000 | $ 25,000 | $ 59,000 |
| Sioux County Iowa | 2 | $ 210,000 | $ 105,000 | $ 92,000 |
| Taylor County Iowa | 2 | $ 210,000 | $ 105,000 | $ 63,000 |
| Van Buren County Iowa | 2 | $ 160,000 | $ 80,000 | $ 44,000 |
| Hennepin County Minnesota | 2 | $ 710,000 | $ 355,000 | $ 188,000 |
| Morrison County Minnesota | 2 | $ 360,000 | $ 180,000 | $ 68,000 |
| Ramsey County Minnesota | 2 | $ 420,000 | $ 210,000 | $ 42,000 |
| Adair County Missouri | 2 | $ 260,000 | $ 130,000 | $ 76,000 |
| Boone County Missouri | 2 | $ 770,000 | $ 385,000 | $ 117,000 |
| Daviess County Missouri | 2 | $ 460,000 | $ 230,000 | $ 273,000 |
| Putnam County Missouri | 2 | $ 690,000 | $ 345,000 | $ 283,000 |
| Stone County Missouri | 2 | $ 450,000 | $ 225,000 | $ 110,000 |
| Colfax County Nebraska | 2 | $ 80,000 | $ 40,000 | $ 103,000 |
| Johnson County Nebraska | 2 | $ 100,000 | $ 50,000 | $ 60,000 |
| Madison County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 66,000 |
| Los Angeles County California | 1 | $ 255,000 | $ 255,000 | $ 6,000 |
| San Bernardino County California | 1 | $ 35,000 | $ 35,000 | $ 145,000 |
| Shasta County California | 1 | $ 15,000 | $ 15,000 | $ 146,000 |
| Ventura County California | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| New Haven County Connecticut | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Santa Rosa County Florida | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Lowndes County Georgia | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Bureau County Illinois | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Champaign County Illinois | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Fulton County Illinois | 1 | $ 25,000 | $ 25,000 | $ 9,000 |
| Grundy County Illinois | 1 | $ 15,000 | $ 15,000 | $ 171,000 |
| Kendall County Illinois | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Lake County Illinois | 1 | $ 385,000 | $ 385,000 | $ 210,000 |
| Madison County Illinois | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| McHenry County Illinois | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Morgan County Illinois | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Peoria County Illinois | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Rock Island County Illinois | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| St. Clair County Illinois | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Stephenson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 206,000 |
| Hendricks County Indiana | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Adams County Iowa | 1 | $ 65,000 | $ 65,000 | $ 131,000 |
| Clay County Iowa | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Ida County Iowa | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Lee County Iowa | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Wayne County Iowa | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Winnebago County Iowa | 1 | $ 205,000 | $ 205,000 | $ 680,000 |
| Worth County Iowa | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| La Salle County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 431,000 |
| Montgomery County Maryland | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Bay County Michigan | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Anoka County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Big Stone County Minnesota | 1 | $ 615,000 | $ 615,000 | $ 252,000 |
| Cass County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 151,000 |
| Chisago County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Crow Wing County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Faribault County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Hubbard County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Lake of the Woods County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Le Sueur County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Polk County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Redwood County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Sherburne County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Stearns County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 106,000 |
| Wright County Minnesota | 1 | $ 445,000 | $ 445,000 | $ 230,000 |
| Barry County Missouri | 1 | $ 645,000 | $ 645,000 | $ 293,000 |
| Cass County Missouri | 1 | $ 325,000 | $ 325,000 | $ 123,000 |
| Clay County Missouri | 1 | $ 185,000 | $ 185,000 | $ 323,000 |
| Cooper County Missouri | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Howard County Missouri | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Jackson County Missouri | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Morgan County Missouri | 1 | $ 485,000 | $ 485,000 | $ 262,000 |
| St. Louis County Missouri | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Warren County Missouri | 1 | $ 165,000 | $ 165,000 | $ 135,000 |
| Wayne County Missouri | 1 | $ 215,000 | $ 215,000 | $ 540,000 |
| Buffalo County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Custer County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Dakota County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Dawson County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Dixon County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Greeley County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Jefferson County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Knox County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 164,000 |
| Lincoln County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Nemaha County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Pierce County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Platte County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Richardson County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Saline County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 138,000 |
| Thurston County Nebraska | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| Valley County Nebraska | 1 | $ 365,000 | $ 365,000 | $ 117,000 |
| Wayne County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 134,000 |
| Clark County Nevada | 1 | $ 65,000 | $ 65,000 | $ 98,000 |
| Washoe County Nevada | 1 | $ 5,000 | $ 5,000 | $ 67,000 |
| Cattaraugus County New York | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Nassau County New York | 1 | $ 35,000 | $ 35,000 | $ 195,000 |
| Westchester County New York | 1 | $ 255,000 | $ 255,000 | $ 1,350,000 |
| New Hanover County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Union County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 220,000 |
| Cass County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Minnehaha County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Pennington County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Union County South Dakota | 1 | $ 455,000 | $ 455,000 | $ 235,000 |
| Yankton County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Robertson County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 256,000 |
| Denton County Texas | 1 | $ 60,005,000 | $ 60,005,000 | $ 0 |
| Grayson County Texas | 1 | $ 8,515,000 | $ 8,515,000 | $ 0 |
| Essex County Virginia | 1 | $ 105,000 | $ 105,000 | $ 262,000 |
| Ashland County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Brown County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 243,000 |
| Crawford County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Douglas County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 27,000 |
| La Crosse County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 182,000 |
| Milwaukee County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Rock County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| St. Croix County Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 250,000 |
| Vilas County Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 231,000 |
| Waukesha County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 238,000 |
| Winnebago County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Veridian Credit Union in 2022
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 | 4,338 | $812,920,000 | $187,000 | $8,515,000 | $97,000 | $2,598,000 |
| Other Purpose | 2,825 | $279,995,000 | $99,000 | $45,745,000 | $107,000 | $1,234,000 |
| Home Improvement | 2,787 | $188,585,000 | $67,000 | $41,505,000 | $107,000 | $2,750,000 |
| Refinancing | 1,382 | $226,360,000 | $163,000 | $60,005,000 | $93,000 | $776,000 |
| Cash-out Refinancing | 670 | $190,630,000 | $284,000 | $28,125,000 | $85,000 | $337,000 |
| 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 | 9,602 | $1,061,200,000 | $110,000 | $2,005,000 | $101,000 | $2,598,000 |
| Not Provided | 764 | $131,250,000 | $171,000 | $1,765,000 | $111,000 | $1,891,000 |
| Hispanic | 711 | $64,235,000 | $90,000 | $545,000 | $81,000 | $2,750,000 |
| Asian | 398 | $81,400,000 | $204,000 | $975,000 | $113,000 | $670,000 |
| Black or African American | 362 | $34,630,000 | $95,000 | $615,000 | $81,000 | $1,320,000 |
| American Indian or Alaskan Native | 45 | $3,675,000 | $81,000 | $385,000 | $86,000 | $431,000 |
| Not applicable | 35 | $302,365,000 | $8,639,000 | $60,005,000 | $38,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $855,000 | $95,000 | $435,000 | $67,000 | $121,000 |
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) | 11,840 | $1,654,030,000 | $139,000 | $60,005,000 | $101,000 | $2,750,000 |
| VA-guaranteed (Veterans Administration) | 162 | $44,460,000 | $274,000 | $875,000 | $98,000 | $343,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8,650 | $1,272,380,000 | $147,000 | $45,745,000 | $102,000 | $1,891,000 |
| Application Withdrawn By Applicant | 1,335 | $245,805,000 | $184,000 | $60,005,000 | $108,000 | $2,598,000 |
| File Closed For Incompleteness | 975 | $79,915,000 | $81,000 | $605,000 | $101,000 | $823,000 |
| Application Denied By Financial Institution | 815 | $63,625,000 | $78,000 | $3,005,000 | $82,000 | $2,750,000 |
| Preapproval Approved but not Accepted | 108 | $21,300,000 | $197,000 | $775,000 | $86,000 | $307,000 |
| Application Approved But Not Accepted | 87 | $10,315,000 | $118,000 | $465,000 | $85,000 | $293,000 |
| Preapproval Denied by Financial Institution | 32 | $5,150,000 | $160,000 | $445,000 | $76,000 | $226,000 |
| 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 | 11,155 | $1,629,715,000 | $146,000 | $60,005,000 | $102,000 | $2,598,000 |
| Credit History | 389 | $26,575,000 | $68,000 | $3,005,000 | $95,000 | $2,750,000 |
| Debt-To-Income Ratio | 367 | $33,225,000 | $90,000 | $745,000 | $66,000 | $619,000 |
| Collateral | 47 | $3,365,000 | $71,000 | $425,000 | $82,000 | $262,000 |
| Other | 14 | $1,510,000 | $107,000 | $645,000 | $147,000 | $518,000 |
| Unverifiable Information | 13 | $1,805,000 | $138,000 | $445,000 | $66,000 | $132,000 |
| Employment History | 12 | $1,330,000 | $110,000 | $295,000 | $69,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $650,000 | $162,000 | $255,000 | $68,000 | $93,000 |
| Mortgage Insurance Denied | 1 | $315,000 | $315,000 | $315,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2022 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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