United Federal Credit Union 2015 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 | United Federal Credit Union 2807 South State St Saint Joseph, MI 49085 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 | 3,543 |
Total Mortgage Loan Application Amount | $502,539,000 |
Average Mortgage Loan Application Amount | $119,666 |
Highest Mortgage Loan Application Amount | $2,363,000 |
Average Applicant Income | $79,000 |
Highest Applicant Income | $2,988,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with United Federal 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 United Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down United Federal 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 United Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by United Federal 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 United Federal Credit Union's mortgage activity for 2015.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Aiken County South Carolina | 1 | $ 281,000 | $ 281,000 | $ 100,000 |
Alexander County North Carolina | 3 | $ 231,000 | $ 77,000 | $ 30,000 |
Allegan County Michigan | 56 | $ 6,476,000 | $ 115,000 | $ 68,000 |
Auglaize County Ohio | 1 | $ 247,000 | $ 247,000 | $ 110,000 |
Baldwin County Alabama | 1 | $ 80,000 | $ 80,000 | $ 83,000 |
Barry County Michigan | 4 | $ 749,000 | $ 187,000 | $ 81,000 |
Bay County Florida | 1 | $ 106,000 | $ 106,000 | $ 212,000 |
Benton County Arkansas | 2 | $ 345,000 | $ 172,000 | $ 83,000 |
Benzie County Michigan | 2 | $ 145,000 | $ 72,000 | $ 61,000 |
Berrien County Michigan | 715 | $ 97,798,000 | $ 136,000 | $ 77,000 |
Bradley County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 81,000 |
Broward County Florida | 2 | $ 730,000 | $ 365,000 | $ 135,000 |
Buncombe County North Carolina | 50 | $ 17,379,000 | $ 347,000 | $ 179,000 |
Burke County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 123,000 |
Butler County Ohio | 1 | $ 176,000 | $ 176,000 | $ 75,000 |
Calhoun County Michigan | 2 | $ 231,000 | $ 115,000 | $ 40,000 |
Carroll County Arkansas | 1 | $ 390,000 | $ 390,000 | $ 125,000 |
Carroll County Indiana | 1 | $ 323,000 | $ 323,000 | $ 97,000 |
Carson City County Nevada | 8 | $ 1,796,000 | $ 224,000 | $ 66,000 |
Cass County Michigan | 79 | $ 9,470,000 | $ 119,000 | $ 74,000 |
Cass County North Dakota | 1 | $ 194,000 | $ 194,000 | $ 111,000 |
Catawba County North Carolina | 2 | $ 205,000 | $ 102,000 | $ 35,000 |
Charleston County South Carolina | 1 | $ 243,000 | $ 243,000 | $ 740,000 |
Chatham County Georgia | 1 | $ 156,000 | $ 156,000 | $ 268,000 |
Churchill County Nevada | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
Clark County Nevada | 4 | $ 1,623,000 | $ 405,000 | $ 217,000 |
Cleveland County North Carolina | 1 | $ 184,000 | $ 184,000 | $ 52,000 |
Coconino County Arizona | 1 | $ 214,000 | $ 214,000 | $ 70,000 |
Collier County Florida | 1 | $ 2,350,000 | $ 2,350,000 | $ 955,000 |
Cook County Illinois | 3 | $ 1,175,000 | $ 391,000 | $ 107,000 |
Cooke County Texas | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
Coweta County Georgia | 2 | $ 226,000 | $ 113,000 | $ 37,000 |
Craighead County Arkansas | 1 | $ 235,000 | $ 235,000 | $ 134,000 |
Crawford County Arkansas | 73 | $ 6,247,000 | $ 85,000 | $ 64,000 |
Crawford County Michigan | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
Crawford County Ohio | 3 | $ 111,000 | $ 37,000 | $ 75,000 |
Cullman County Alabama | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
Dallas County Iowa | 1 | $ 85,000 | $ 85,000 | $ 184,000 |
Dare County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
Davie County North Carolina | 2 | $ 122,000 | $ 61,000 | $ 19,000 |
Delaware County Ohio | 4 | $ 200,000 | $ 50,000 | $ 65,000 |
Denver County Colorado | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
Douglas County Nevada | 2 | $ 184,000 | $ 92,000 | $ 46,000 |
DuPage County Illinois | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
Eaton County Michigan | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
Elkhart County Indiana | 3 | $ 247,000 | $ 82,000 | $ 60,000 |
Fairfax County Virginia | 1 | $ 416,000 | $ 416,000 | $ 95,000 |
Faulkner County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
Fayette County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 57,000 |
Forsyth County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 46,000 |
Franklin County Arkansas | 5 | $ 495,000 | $ 99,000 | $ 69,000 |
Franklin County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
Franklin County Ohio | 7 | $ 704,000 | $ 100,000 | $ 66,000 |
Gaston County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
Genesee County Michigan | 2 | $ 172,000 | $ 86,000 | $ 75,000 |
Graham County North Carolina | 1 | $ 480,000 | $ 480,000 | $ 651,000 |
Hamilton County Ohio | 1 | $ 440,000 | $ 440,000 | $ 390,000 |
Hamilton County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 111,000 |
Hancock County Ohio | 2 | $ 688,000 | $ 344,000 | $ 141,000 |
Haskell County Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 39,000 |
Haywood County North Carolina | 3 | $ 348,000 | $ 116,000 | $ 45,000 |
Henderson County North Carolina | 60 | $ 13,399,000 | $ 223,000 | $ 144,000 |
Henrico County Virginia | 1 | $ 39,000 | $ 39,000 | $ 144,000 |
Hillsdale County Michigan | 1 | $ 10,000 | $ 10,000 | $ 63,000 |
Humboldt County Nevada | 1 | $ 297,000 | $ 297,000 | $ 103,000 |
Huntington County Indiana | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
Ingham County Michigan | 2 | $ 143,000 | $ 71,000 | $ 160,000 |
Iredell County North Carolina | 70 | $ 7,955,000 | $ 113,000 | $ 60,000 |
Jackson County Michigan | 1 | $ 112,000 | $ 112,000 | $ 0 |
Jackson County North Carolina | 1 | $ 2,073,000 | $ 2,073,000 | $ 616,000 |
Jefferson County Colorado | 1 | $ 194,000 | $ 194,000 | $ 108,000 |
Jessamine County Kentucky | 1 | $ 400,000 | $ 400,000 | $ 250,000 |
Johnson County Iowa | 3 | $ 791,000 | $ 263,000 | $ 124,000 |
Johnston County North Carolina | 1 | $ 197,000 | $ 197,000 | $ 41,000 |
Kalamazoo County Michigan | 12 | $ 1,813,000 | $ 151,000 | $ 100,000 |
Kent County Michigan | 15 | $ 1,618,000 | $ 107,000 | $ 71,000 |
Kitsap County Washington | 1 | $ 112,000 | $ 112,000 | $ 229,000 |
Klamath County Oregon | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
Lake County Indiana | 48 | $ 4,869,000 | $ 101,000 | $ 65,000 |
Lake County Michigan | 6 | $ 433,000 | $ 72,000 | $ 139,000 |
Lander County Nevada | 2 | $ 410,000 | $ 205,000 | $ 102,000 |
Latimer County Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 32,000 |
Le Flore County Oklahoma | 28 | $ 2,345,000 | $ 83,000 | $ 68,000 |
Lenawee County Michigan | 1 | $ 159,000 | $ 159,000 | $ 87,000 |
Licking County Ohio | 1 | $ 120,000 | $ 120,000 | $ 155,000 |
Lincoln County North Carolina | 1 | $ 316,000 | $ 316,000 | $ 90,000 |
Lincoln County Wyoming | 1 | $ 70,000 | $ 70,000 | $ 128,000 |
Livingston County Michigan | 2 | $ 331,000 | $ 165,000 | $ 104,000 |
Logan County Arkansas | 3 | $ 276,000 | $ 92,000 | $ 45,000 |
Logan County Ohio | 1 | $ 134,000 | $ 134,000 | $ 72,000 |
Lucas County Ohio | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
Lyon County Nevada | 18 | $ 2,185,000 | $ 121,000 | $ 59,000 |
Mackinac County Michigan | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
Madison County Indiana | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
Mahoning County Ohio | 1 | $ 66,000 | $ 66,000 | $ 69,000 |
Maricopa County Arizona | 2 | $ 398,000 | $ 199,000 | $ 81,000 |
Marion County Arkansas | 1 | $ 64,000 | $ 64,000 | $ 151,000 |
Marion County Ohio | 98 | $ 6,264,000 | $ 63,000 | $ 55,000 |
Marquette County Michigan | 1 | $ 56,000 | $ 56,000 | $ 76,000 |
Mason County Michigan | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
McCurtain County Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
McDowell County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
Mecklenburg County North Carolina | 3 | $ 1,129,000 | $ 376,000 | $ 177,000 |
Miami-Dade County Florida | 1 | $ 456,000 | $ 456,000 | $ 135,000 |
Milwaukee County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 113,000 |
Monroe County Pennsylvania | 2 | $ 439,000 | $ 219,000 | $ 294,000 |
Montcalm County Michigan | 1 | $ 54,000 | $ 54,000 | $ 68,000 |
Moore County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
Morgan County Indiana | 1 | $ 70,000 | $ 70,000 | $ 150,000 |
Morrow County Ohio | 8 | $ 397,000 | $ 49,000 | $ 60,000 |
Muskegon County Michigan | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
Nevada County California | 3 | $ 574,000 | $ 191,000 | $ 141,000 |
Newaygo County Michigan | 2 | $ 141,000 | $ 70,000 | $ 75,000 |
Oakland County Michigan | 2 | $ 391,000 | $ 195,000 | $ 80,000 |
Oceana County Michigan | 1 | $ 325,000 | $ 325,000 | $ 131,000 |
Oklahoma County Oklahoma | 3 | $ 438,000 | $ 146,000 | $ 80,000 |
Orange County Florida | 2 | $ 226,000 | $ 113,000 | $ 59,000 |
Osceola County Michigan | 1 | $ 102,000 | $ 102,000 | $ 81,000 |
Ottawa County Michigan | 145 | $ 17,171,000 | $ 118,000 | $ 58,000 |
Ottawa County Ohio | 1 | $ 144,000 | $ 144,000 | $ 74,000 |
Ottawa County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 90,000 |
Outagamie County Wisconsin | 2 | $ 1,160,000 | $ 580,000 | $ 190,000 |
Owen County Indiana | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
Palm Beach County Florida | 1 | $ 288,000 | $ 288,000 | $ 170,000 |
Parke County Indiana | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
Pinal County Arizona | 1 | $ 59,000 | $ 59,000 | $ 47,000 |
Plumas County California | 1 | $ 144,000 | $ 144,000 | $ 35,000 |
Polk County North Carolina | 2 | $ 568,000 | $ 284,000 | $ 116,000 |
Porter County Indiana | 6 | $ 1,181,000 | $ 196,000 | $ 118,000 |
Putnam County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
Richland County Ohio | 1 | $ 89,000 | $ 89,000 | $ 35,000 |
Rowan County North Carolina | 2 | $ 176,000 | $ 88,000 | $ 72,000 |
Rutherford County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 42,000 |
Sagadahoc County Maine | 1 | $ 10,000 | $ 10,000 | $ 224,000 |
Saline County Arkansas | 1 | $ 143,000 | $ 143,000 | $ 34,000 |
Saluda County South Carolina | 1 | $ 179,000 | $ 179,000 | $ 125,000 |
Santa Clara County California | 1 | $ 1,500,000 | $ 1,500,000 | $ 311,000 |
Sargent County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
Scott County Arkansas | 1 | $ 84,000 | $ 84,000 | $ 36,000 |
Sebastian County Arkansas | 81 | $ 7,202,000 | $ 88,000 | $ 65,000 |
Sequoyah County Oklahoma | 10 | $ 441,000 | $ 44,000 | $ 66,000 |
Sevier County Tennessee | 2 | $ 235,000 | $ 117,000 | $ 55,000 |
Sierra County California | 1 | $ 183,000 | $ 183,000 | $ 91,000 |
St. Joseph County Indiana | 44 | $ 4,639,000 | $ 105,000 | $ 68,000 |
St. Joseph County Michigan | 4 | $ 416,000 | $ 104,000 | $ 76,000 |
Storey County Nevada | 3 | $ 753,000 | $ 251,000 | $ 144,000 |
Taos County New Mexico | 1 | $ 187,000 | $ 187,000 | $ 138,000 |
Tarrant County Texas | 1 | $ 159,000 | $ 159,000 | $ 138,000 |
Tooele County Utah | 1 | $ 245,000 | $ 245,000 | $ 170,000 |
Transylvania County North Carolina | 2 | $ 793,000 | $ 396,000 | $ 122,000 |
Tulsa County Oklahoma | 1 | $ 38,000 | $ 38,000 | $ 53,000 |
Union County Ohio | 3 | $ 327,000 | $ 109,000 | $ 90,000 |
Van Buren County Michigan | 30 | $ 2,550,000 | $ 85,000 | $ 59,000 |
Walton County Florida | 1 | $ 252,000 | $ 252,000 | $ 274,000 |
Warren County Ohio | 2 | $ 270,000 | $ 135,000 | $ 46,000 |
Washington County Arkansas | 5 | $ 502,000 | $ 100,000 | $ 54,000 |
Washoe County Nevada | 344 | $ 65,135,000 | $ 189,000 | $ 92,000 |
Washtenaw County Michigan | 4 | $ 753,000 | $ 188,000 | $ 97,000 |
Wayne County Michigan | 4 | $ 470,000 | $ 117,000 | $ 124,000 |
Weld County Colorado | 1 | $ 333,000 | $ 333,000 | $ 93,000 |
White County Arkansas | 2 | $ 141,000 | $ 70,000 | $ 76,000 |
Wilkes County North Carolina | 2 | $ 102,000 | $ 51,000 | $ 33,000 |
Will County Illinois | 1 | $ 232,000 | $ 232,000 | $ 185,000 |
Williamson County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
Wilson County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 119,000 |
Wood County Ohio | 1 | $ 281,000 | $ 281,000 | $ 153,000 |
Wyandot County Ohio | 3 | $ 152,000 | $ 50,000 | $ 48,000 |
Yell County Arkansas | 2 | $ 65,000 | $ 32,000 | $ 57,000 |
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 | 2,141 | $321,119,000 | $149,000 | $2,363,000 | $71,000 | $2,988,000 |
Refinancing | 1,056 | $161,606,000 | $153,000 | $2,350,000 | $80,000 | $1,193,000 |
Home Improvement | 346 | $19,814,000 | $57,000 | $796,000 | $86,000 | $2,097,000 |
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 | 2,607 | $387,625,000 | $148,000 | $2,363,000 | $78,000 | $2,097,000 |
Not Provided | 520 | $60,512,000 | $116,000 | $1,458,000 | $71,000 | $2,988,000 |
Hispanic | 219 | $29,508,000 | $134,000 | $596,000 | $54,000 | $190,000 |
Black or African American | 100 | $10,132,000 | $101,000 | $428,000 | $61,000 | $740,000 |
Asian | 64 | $9,964,000 | $155,000 | $510,000 | $87,000 | $528,000 |
American Indian or Alaskan Native | 15 | $1,602,000 | $106,000 | $251,000 | $60,000 | $184,000 |
Native Hawaiian or Other Pacific Islander | 15 | $3,075,000 | $205,000 | $427,000 | $89,000 | $254,000 |
Not applicable | 3 | $121,000 | $40,000 | $90,000 | $110,000 | $142,000 |
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) | 3,221 | $460,193,000 | $142,000 | $2,363,000 | $78,000 | $2,988,000 |
FHA-insured (Federal Housing Administration) | 217 | $28,576,000 | $131,000 | $365,000 | $50,000 | $216,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $8,280,000 | $116,000 | $260,000 | $41,000 | $89,000 |
VA-guaranteed (Veterans Administration) | 34 | $5,490,000 | $161,000 | $408,000 | $57,000 | $138,000 |
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 | 1,514 | $231,887,000 | $153,000 | $2,350,000 | $86,000 | $2,097,000 |
Application Withdrawn By Applicant | 874 | $126,973,000 | $145,000 | $1,600,000 | $77,000 | $1,990,000 |
File Closed For Incompleteness | 594 | $84,930,000 | $142,000 | $737,000 | $66,000 | $2,988,000 |
Application Denied By Financial Institution | 557 | $58,321,000 | $104,000 | $2,363,000 | $52,000 | $1,174,000 |
Application Approved But Not Accepted | 4 | $428,000 | $107,000 | $194,000 | $84,000 | $108,000 |
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 | 268 | $23,128,000 | $86,000 | $382,000 | $48,000 | $551,000 |
Debt-To-Income Ratio | 135 | $17,507,000 | $129,000 | $668,000 | $44,000 | $308,000 |
Collateral | 48 | $5,387,000 | $112,000 | $472,000 | $64,000 | $176,000 |
Insufficient Cash (Downpayment, Closing Cost) | 16 | $1,782,000 | $111,000 | $235,000 | $44,000 | $95,000 |
Employment History | 13 | $1,403,000 | $107,000 | $264,000 | $38,000 | $89,000 |
Unverifiable Information | 6 | $3,076,000 | $512,000 | $2,363,000 | $245,000 | $1,174,000 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Other | 0 | $0 | $0 | $0 | $0 | $0 |
Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2015 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 United Federal 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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