Veridian Credit Union 2018 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 | 10,678 |
Total Mortgage Loan Application Amount | $1,120,580,000 |
Average Mortgage Loan Application Amount | $98,166 |
Highest Mortgage Loan Application Amount | $19,205,000 |
Average Applicant Income | $87,333 |
Highest Applicant Income | $1,361,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Adair County Iowa | 15 | $ 1,035,000 | $ 69,000 | $ 58,000 |
Allamakee County Iowa | 28 | $ 1,880,000 | $ 67,000 | $ 76,000 |
Appanoose County Iowa | 7 | $ 635,000 | $ 90,000 | $ 81,000 |
Audubon County Iowa | 5 | $ 335,000 | $ 67,000 | $ 48,000 |
Beltrami County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
Benton County Iowa | 101 | $ 9,105,000 | $ 90,000 | $ 82,000 |
Black Hawk County Iowa | 2,229 | $ 170,925,000 | $ 76,000 | $ 68,000 |
Boone County Iowa | 76 | $ 6,310,000 | $ 83,000 | $ 97,000 |
Bremer County Iowa | 393 | $ 33,425,000 | $ 85,000 | $ 74,000 |
Buchanan County Iowa | 283 | $ 18,695,000 | $ 66,000 | $ 69,000 |
Buena Vista County Iowa | 3 | $ 205,000 | $ 68,000 | $ 70,000 |
Buffalo County Nebraska | 2 | $ 2,450,000 | $ 1,225,000 | $ 54,000 |
Burt County Nebraska | 3 | $ 225,000 | $ 75,000 | $ 77,000 |
Butler County Iowa | 219 | $ 14,115,000 | $ 64,000 | $ 69,000 |
Butler County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
Calhoun County Iowa | 5 | $ 355,000 | $ 71,000 | $ 62,000 |
Camden County Missouri | 4 | $ 910,000 | $ 227,000 | $ 89,000 |
Carroll County Iowa | 4 | $ 190,000 | $ 47,000 | $ 113,000 |
Carver County Minnesota | 2 | $ 510,000 | $ 255,000 | $ 79,000 |
Cass County Iowa | 10 | $ 750,000 | $ 75,000 | $ 57,000 |
Cass County Nebraska | 35 | $ 4,535,000 | $ 129,000 | $ 87,000 |
Cedar County Iowa | 32 | $ 2,250,000 | $ 70,000 | $ 77,000 |
Cedar County Nebraska | 2 | $ 80,000 | $ 40,000 | $ 48,000 |
Cerro Gordo County Iowa | 38 | $ 3,940,000 | $ 103,000 | $ 104,000 |
Cherry County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
Chickasaw County Iowa | 59 | $ 3,045,000 | $ 51,000 | $ 58,000 |
Christian County Missouri | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
Clarke County Iowa | 12 | $ 1,030,000 | $ 85,000 | $ 54,000 |
Clay County Iowa | 4 | $ 320,000 | $ 80,000 | $ 79,000 |
Clayton County Iowa | 20 | $ 1,450,000 | $ 72,000 | $ 78,000 |
Clinton County Iowa | 4 | $ 330,000 | $ 82,000 | $ 63,000 |
Colfax County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
Cook County Illinois | 8 | $ 1,630,000 | $ 203,000 | $ 124,000 |
Crawford County Iowa | 2 | $ 70,000 | $ 35,000 | $ 73,000 |
Crawford County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 64,000 |
Crow Wing County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 148,000 |
Dakota County Minnesota | 5 | $ 1,235,000 | $ 247,000 | $ 68,000 |
Dakota County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
Dallas County Iowa | 497 | $ 84,585,000 | $ 170,000 | $ 110,000 |
Dane County Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
Davis County Iowa | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
Decatur County Iowa | 4 | $ 280,000 | $ 70,000 | $ 47,000 |
Delaware County Iowa | 19 | $ 2,045,000 | $ 107,000 | $ 83,000 |
Des Moines County Iowa | 5 | $ 495,000 | $ 99,000 | $ 102,000 |
Dickinson County Iowa | 8 | $ 700,000 | $ 87,000 | $ 82,000 |
Dodge County Nebraska | 9 | $ 485,000 | $ 53,000 | $ 60,000 |
Douglas County Nebraska | 822 | $ 107,690,000 | $ 131,000 | $ 100,000 |
Dubuque County Iowa | 10 | $ 740,000 | $ 74,000 | $ 66,000 |
Fayette County Iowa | 232 | $ 15,640,000 | $ 67,000 | $ 62,000 |
Floyd County Iowa | 31 | $ 1,935,000 | $ 62,000 | $ 82,000 |
Franklin County Iowa | 15 | $ 745,000 | $ 49,000 | $ 74,000 |
Fremont County Iowa | 7 | $ 735,000 | $ 105,000 | $ 116,000 |
Furnas County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
Gage County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
Greene County Iowa | 11 | $ 835,000 | $ 75,000 | $ 73,000 |
Greene County Missouri | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
Grundy County Iowa | 128 | $ 10,330,000 | $ 80,000 | $ 81,000 |
Guthrie County Iowa | 20 | $ 3,150,000 | $ 157,000 | $ 111,000 |
Hall County Nebraska | 1 | $ 15,925,000 | $ 15,925,000 | $ 0 |
Hamilton County Iowa | 10 | $ 530,000 | $ 53,000 | $ 91,000 |
Hancock County Illinois | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
Hancock County Iowa | 14 | $ 950,000 | $ 67,000 | $ 47,000 |
Hardin County Iowa | 43 | $ 2,645,000 | $ 61,000 | $ 72,000 |
Harrison County Iowa | 17 | $ 1,675,000 | $ 98,000 | $ 63,000 |
Harrison County Missouri | 2 | $ 110,000 | $ 55,000 | $ 39,000 |
Henderson County Illinois | 1 | $ 35,000 | $ 35,000 | $ 0 |
Hennepin County Minnesota | 7 | $ 1,485,000 | $ 212,000 | $ 84,000 |
Henry County Illinois | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
Henry County Iowa | 12 | $ 6,800,000 | $ 566,000 | $ 77,000 |
Houston County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 179,000 |
Howard County Iowa | 7 | $ 275,000 | $ 39,000 | $ 61,000 |
Humboldt County Iowa | 3 | $ 125,000 | $ 41,000 | $ 98,000 |
Ida County Iowa | 1 | $ 5,000 | $ 5,000 | $ 153,000 |
Iowa County Iowa | 23 | $ 2,165,000 | $ 94,000 | $ 80,000 |
Jackson County Iowa | 2 | $ 170,000 | $ 85,000 | $ 18,000 |
Jackson County Missouri | 3 | $ 305,000 | $ 101,000 | $ 226,000 |
Jasper County Iowa | 73 | $ 5,165,000 | $ 70,000 | $ 80,000 |
Jefferson County Iowa | 1 | $ 5,000 | $ 5,000 | $ 84,000 |
Johnson County Iowa | 195 | $ 21,645,000 | $ 111,000 | $ 90,000 |
Johnston County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
Jones County Iowa | 16 | $ 1,660,000 | $ 103,000 | $ 99,000 |
Kandiyohi County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 180,000 |
Keokuk County Iowa | 9 | $ 435,000 | $ 48,000 | $ 46,000 |
Kossuth County Iowa | 7 | $ 505,000 | $ 72,000 | $ 77,000 |
La Crosse County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
Lancaster County Nebraska | 13 | $ 8,475,000 | $ 651,000 | $ 150,000 |
Le Sueur County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
Lincoln County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
Lincoln County South Dakota | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
Lincoln County Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 95,000 |
Linn County Iowa | 744 | $ 68,030,000 | $ 91,000 | $ 79,000 |
Los Angeles County California | 1 | $ 205,000 | $ 205,000 | $ 483,000 |
Louisa County Iowa | 2 | $ 140,000 | $ 70,000 | $ 86,000 |
Lucas County Iowa | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
Lyon County Iowa | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
Madison County Iowa | 51 | $ 6,445,000 | $ 126,000 | $ 86,000 |
Madison County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
Madison County Nebraska | 3 | $ 205,000 | $ 68,000 | $ 82,000 |
Mahaska County Iowa | 5 | $ 635,000 | $ 127,000 | $ 93,000 |
Marion County Iowa | 26 | $ 2,590,000 | $ 99,000 | $ 65,000 |
Marshall County Iowa | 50 | $ 3,060,000 | $ 61,000 | $ 76,000 |
McLean County Illinois | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
Menard County Illinois | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
Mills County Iowa | 25 | $ 4,555,000 | $ 182,000 | $ 109,000 |
Milwaukee County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 0 |
Mitchell County Iowa | 5 | $ 485,000 | $ 97,000 | $ 74,000 |
Monona County Iowa | 2 | $ 210,000 | $ 105,000 | $ 103,000 |
Monroe County Iowa | 1 | $ 95,000 | $ 95,000 | $ 115,000 |
Monroe County New York | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
Montgomery County Iowa | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
Morgan County Missouri | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
Muscatine County Iowa | 15 | $ 1,115,000 | $ 74,000 | $ 106,000 |
Nance County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
Nemaha County Nebraska | 2 | $ 200,000 | $ 100,000 | $ 176,000 |
Noble County Indiana | 1 | $ 45,000 | $ 45,000 | $ 146,000 |
Nodaway County Missouri | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
Orange County California | 1 | $ 255,000 | $ 255,000 | $ 492,000 |
Osceola County Iowa | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
Otoe County Nebraska | 2 | $ 270,000 | $ 135,000 | $ 199,000 |
Palo Alto County Iowa | 2 | $ 30,000 | $ 15,000 | $ 125,000 |
Pawnee County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
Phelps County Missouri | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
Platte County Missouri | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
Pocahontas County Iowa | 2 | $ 120,000 | $ 60,000 | $ 74,000 |
Polk County Iowa | 2,651 | $ 277,425,000 | $ 104,000 | $ 91,000 |
Pottawattamie County Iowa | 197 | $ 15,795,000 | $ 80,000 | $ 70,000 |
Poweshiek County Iowa | 15 | $ 3,255,000 | $ 217,000 | $ 108,000 |
Prince William County Virginia | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
Putnam County Missouri | 2 | $ 500,000 | $ 250,000 | $ 178,000 |
Ramsey County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
Ray County Missouri | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
Red Willow County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 141,000 |
Ringgold County Iowa | 5 | $ 465,000 | $ 93,000 | $ 145,000 |
Rock Island County Illinois | 2 | $ 3,810,000 | $ 1,905,000 | $ 104,000 |
Saline County Nebraska | 2 | $ 70,000 | $ 35,000 | $ 58,000 |
Sarpy County Nebraska | 325 | $ 48,375,000 | $ 148,000 | $ 97,000 |
Saunders County Nebraska | 12 | $ 1,090,000 | $ 90,000 | $ 95,000 |
Sawyer County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 245,000 |
Scott County Iowa | 28 | $ 11,990,000 | $ 428,000 | $ 127,000 |
Scotts Bluff County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
Shelby County Iowa | 8 | $ 830,000 | $ 103,000 | $ 64,000 |
Sioux County Iowa | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
St. Clair County Illinois | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
St. Louis County Missouri | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
Stanton County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
Stone County Missouri | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
Story County Iowa | 120 | $ 31,170,000 | $ 259,000 | $ 102,000 |
Tama County Iowa | 69 | $ 4,275,000 | $ 61,000 | $ 78,000 |
Taylor County Iowa | 3 | $ 235,000 | $ 78,000 | $ 86,000 |
Union County Iowa | 8 | $ 860,000 | $ 107,000 | $ 78,000 |
Union County South Dakota | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
Van Buren County Iowa | 3 | $ 105,000 | $ 35,000 | $ 97,000 |
Wapello County Iowa | 11 | $ 725,000 | $ 65,000 | $ 75,000 |
Warren County Iowa | 196 | $ 21,020,000 | $ 107,000 | $ 95,000 |
Washington County Iowa | 12 | $ 1,010,000 | $ 84,000 | $ 56,000 |
Washington County Nebraska | 23 | $ 4,005,000 | $ 174,000 | $ 149,000 |
Wayne County Iowa | 4 | $ 360,000 | $ 90,000 | $ 77,000 |
Webster County Iowa | 13 | $ 1,335,000 | $ 102,000 | $ 70,000 |
Winnebago County Illinois | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
Winnebago County Iowa | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
Winneshiek County Iowa | 15 | $ 1,475,000 | $ 98,000 | $ 91,000 |
Woodbury County Iowa | 12 | $ 6,760,000 | $ 563,000 | $ 84,000 |
Worth County Iowa | 5 | $ 195,000 | $ 39,000 | $ 66,000 |
Wright County Iowa | 12 | $ 880,000 | $ 73,000 | $ 93,000 |
Wright County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
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 | 4,427 | $631,695,000 | $142,000 | $11,505,000 | $81,000 | $777,000 |
Home Improvement | 2,080 | $79,450,000 | $38,000 | $345,000 | $88,000 | $517,000 |
Other Purpose | 1,807 | $88,105,000 | $48,000 | $965,000 | $86,000 | $1,361,000 |
Refinancing | 1,425 | $184,815,000 | $129,000 | $19,205,000 | $83,000 | $800,000 |
Cash-out Refinancing | 932 | $135,900,000 | $145,000 | $15,925,000 | $87,000 | $593,000 |
Not Applicable | 7 | $615,000 | $87,000 | $135,000 | $99,000 | $165,000 |
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 | 8,595 | $788,495,000 | $91,000 | $1,665,000 | $84,000 | $1,361,000 |
Not Provided | 1,226 | $115,520,000 | $94,000 | $7,505,000 | $91,000 | $800,000 |
Hispanic | 292 | $21,060,000 | $72,000 | $435,000 | $59,000 | $364,000 |
Black or African American | 248 | $20,880,000 | $84,000 | $665,000 | $68,000 | $593,000 |
Asian | 192 | $25,250,000 | $131,000 | $535,000 | $93,000 | $531,000 |
Not applicable | 73 | $141,825,000 | $1,942,000 | $19,205,000 | $0 | $0 |
American Indian or Alaskan Native | 24 | $3,110,000 | $129,000 | $315,000 | $82,000 | $155,000 |
Native Hawaiian or Other Pacific Islander | 11 | $1,245,000 | $113,000 | $295,000 | $60,000 | $105,000 |
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) | 10,497 | $1,084,745,000 | $103,000 | $19,205,000 | $84,000 | $1,361,000 |
VA-guaranteed (Veterans Administration) | 172 | $35,120,000 | $204,000 | $455,000 | $84,000 | $283,000 |
FHA-insured (Federal Housing Administration) | 6 | $330,000 | $55,000 | $105,000 | $73,000 | $142,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $385,000 | $128,000 | $245,000 | $50,000 | $69,000 |
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 | 8,514 | $901,180,000 | $105,000 | $19,205,000 | $85,000 | $1,361,000 |
Application Withdrawn By Applicant | 1,127 | $136,585,000 | $121,000 | $11,505,000 | $82,000 | $689,000 |
Application Denied By Financial Institution | 528 | $36,740,000 | $69,000 | $505,000 | $65,000 | $800,000 |
File Closed For Incompleteness | 242 | $14,510,000 | $59,000 | $395,000 | $93,000 | $563,000 |
Application Approved But Not Accepted | 163 | $14,705,000 | $90,000 | $395,000 | $82,000 | $531,000 |
Preapproval Approved but not Accepted | 82 | $13,440,000 | $163,000 | $415,000 | $78,000 | $229,000 |
Preapproval Denied by Financial Institution | 22 | $3,420,000 | $155,000 | $425,000 | $66,000 | $197,000 |
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 | 10,128 | $1,080,420,000 | $106,000 | $19,205,000 | $85,000 | $1,361,000 |
Debt-To-Income Ratio | 250 | $17,100,000 | $68,000 | $455,000 | $55,000 | $234,000 |
Credit History | 197 | $13,385,000 | $67,000 | $505,000 | $67,000 | $800,000 |
Collateral | 61 | $5,865,000 | $96,000 | $425,000 | $92,000 | $492,000 |
Other | 15 | $1,345,000 | $89,000 | $235,000 | $71,000 | $161,000 |
Employment History | 7 | $385,000 | $55,000 | $115,000 | $45,000 | $70,000 |
Insufficient Cash (Downpayment, Closing Cost) | 7 | $505,000 | $72,000 | $235,000 | $61,000 | $186,000 |
Credit Application Incomplete | 6 | $920,000 | $153,000 | $305,000 | $83,000 | $190,000 |
Mortgage Insurance Denied | 4 | $470,000 | $117,000 | $345,000 | $100,000 | $137,000 |
Unverifiable Information | 3 | $185,000 | $61,000 | $95,000 | $36,000 | $41,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Veridian Credit Union's 2018 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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