Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2011

In 2011, Advancial Federal Credit Union of Dallas, TX reported 1,074 mortgage applications totaling $273.2 million, down 17% from 2010. The average application was for $254,363, and applicants reported an average income of $207,902. 62% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Dallas-Plano-Irving, TX (261), Houston-Sugar Land-Baytown, TX (217) and Lafayette, LA (90) (applications in parentheses).

Mortgage Company & Address Advancial Federal Credit Union
1845 Woodall Rodgers Fwy, Suite 1300
Dallas, TX 75231
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,074
Total Mortgage Loan Application Amount $273,186,000
Average Mortgage Loan Application Amount $254,363
Highest Mortgage Loan Application Amount $2,113,000
Average Applicant Income $207,902
Highest Applicant Income $6,355,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Advancial Federal Credit Union by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 122 $ 26,509,000 $ 217,286 $ 162,000
Dallas, Texas 111 $ 24,535,000 $ 221,036 $ 158,000
Lafayette, Louisiana 79 $ 10,133,000 $ 128,265 $ 87,000
Collin, Texas 77 $ 16,943,000 $ 220,038 $ 192,000
Fort Bend, Texas 56 $ 14,350,000 $ 256,250 $ 196,000
Anchorage, Alaska 53 $ 11,877,000 $ 224,094 $ 195,000
Oklahoma, Oklahoma 49 $ 9,929,000 $ 202,632 $ 131,000
Denton, Texas 40 $ 9,739,000 $ 243,475 $ 140,000
Tarrant, Texas 30 $ 6,011,000 $ 200,366 $ 134,000
Montgomery, Texas 20 $ 6,381,000 $ 319,050 $ 187,000
Maricopa, Arizona 14 $ 10,109,000 $ 722,071 $ 779,000
Kaufman, Texas 14 $ 1,741,000 $ 124,357 $ 159,000
Los Angeles, California 13 $ 7,686,000 $ 591,230 $ 580,000
St. Landry, Louisiana 13 $ 997,000 $ 76,692 $ 139,000
Matanuska-Susitna, Alaska 12 $ 2,594,000 $ 216,166 $ 169,000
Travis, Texas 12 $ 6,757,000 $ 563,083 $ 402,000
Fulton, Georgia 11 $ 7,788,000 $ 708,000 $ 928,000
St. Martin, Louisiana 11 $ 1,000,000 $ 90,909 $ 63,000
Rockwall, Texas 11 $ 1,868,000 $ 169,818 $ 122,000
Acadia, Louisiana 10 $ 1,051,000 $ 105,100 $ 66,000
Vermilion, Louisiana 9 $ 1,271,000 $ 141,222 $ 84,000
Brazoria, Texas 8 $ 1,234,000 $ 154,250 $ 144,000
Orange, California 7 $ 6,727,000 $ 961,000 $ 604,000
Riverside, California 7 $ 2,070,000 $ 295,714 $ 533,000
Iberia, Louisiana 7 $ 870,000 $ 124,285 $ 71,000
Galveston, Texas 7 $ 1,105,000 $ 157,857 $ 356,000
Cook, Illinois 6 $ 3,850,000 $ 641,666 $ 481,000
Ellis, Texas 6 $ 851,000 $ 141,833 $ 91,000
Placer, California 5 $ 1,884,000 $ 376,800 $ 316,000
Cleveland, Oklahoma 5 $ 730,000 $ 146,000 $ 83,000
Horry, South Carolina 5 $ 851,000 $ 170,200 $ 186,000
Grayson, Texas 5 $ 1,756,000 $ 351,200 $ 382,000
Summit, Utah 5 $ 1,793,000 $ 358,600 $ 288,000
San Diego, California 4 $ 963,000 $ 240,750 $ 251,000
Broward, Florida 4 $ 828,000 $ 207,000 $ 608,000
Miami-Dade, Florida 4 $ 1,135,000 $ 283,750 $ 557,000
New York, New York 4 $ 2,514,000 $ 628,500 $ 602,000
Canadian, Oklahoma 4 $ 762,000 $ 190,500 $ 146,000
Henderson, Texas 4 $ 504,000 $ 126,000 $ 104,000
La Plata, Colorado 3 $ 602,000 $ 200,666 $ 141,000
Bay, Florida 3 $ 362,000 $ 120,666 $ 113,000
Honolulu, Hawaii 3 $ 3,657,000 $ 1,219,000 $ 907,000
Lafourche, Louisiana 3 $ 452,000 $ 150,666 $ 78,000
Clark, Nevada 3 $ 2,675,000 $ 891,666 $ 570,000
Brazos, Texas 3 $ 505,000 $ 168,333 $ 165,000
Cameron, Texas 3 $ 371,000 $ 123,666 $ 168,000
Van Zandt, Texas 3 $ 284,000 $ 94,666 $ 59,000
Baldwin, Alabama 2 $ 1,180,000 $ 590,000 $ 231,000
Alameda, California 2 $ 1,604,000 $ 802,000 $ 228,000
Contra Costa, California 2 $ 754,000 $ 377,000 $ 167,000
Mono, California 2 $ 571,000 $ 285,500 $ 368,000
San Francisco, California 2 $ 919,000 $ 459,500 $ 138,000
Santa Clara, California 2 $ 849,000 $ 424,500 $ 247,000
Boulder, Colorado 2 $ 608,000 $ 304,000 $ 137,000
Delta, Colorado 2 $ 512,000 $ 256,000 $ 72,000
El Paso, Colorado 2 $ 485,000 $ 242,500 $ 108,000
Routt, Colorado 2 $ 759,000 $ 379,500 $ 417,000
Collier, Florida 2 $ 1,570,000 $ 785,000 $ 707,000
Orange, Florida 2 $ 540,000 $ 270,000 $ 245,000
Pinellas, Florida 2 $ 192,000 $ 96,000 $ 277,000
Walton, Florida 2 $ 1,543,000 $ 771,500 $ 1,414,000
Jefferson Davis, Louisiana 2 $ 147,000 $ 73,500 $ 75,000
Tangipahoa, Louisiana 2 $ 141,000 $ 70,500 $ 91,000
York, Maine 2 $ 344,000 $ 172,000 $ 163,000
Norfolk, Massachusetts 2 $ 896,000 $ 448,000 $ 140,000
Santa Fe, New Mexico 2 $ 900,000 $ 450,000 $ 292,000
Franklin, Ohio 2 $ 379,000 $ 189,500 $ 174,000
Kingfisher, Oklahoma 2 $ 358,000 $ 179,000 $ 75,000
Logan, Oklahoma 2 $ 315,000 $ 157,500 $ 165,000
Pottawatomie, Oklahoma 2 $ 265,000 $ 132,500 $ 59,000
Bradford, Pennsylvania 2 $ 262,000 $ 131,000 $ 44,000
Beaufort, South Carolina 2 $ 1,447,000 $ 723,500 $ 245,000
Austin, Texas 2 $ 732,000 $ 366,000 $ 441,000
Bexar, Texas 2 $ 711,000 $ 355,500 $ 251,000
Burnet, Texas 2 $ 310,000 $ 155,000 $ 121,000
El Paso, Texas 2 $ 776,000 $ 388,000 $ 191,000
Hunt, Texas 2 $ 316,000 $ 158,000 $ 84,000
Johnson, Texas 2 $ 271,000 $ 135,500 $ 50,000
Parker, Texas 2 $ 654,000 $ 327,000 $ 142,000
Wood, Texas 2 $ 433,000 $ 216,500 $ 165,000
Pima, Arizona 1 $ 91,000 $ 91,000 $ 162,000
Pinal, Arizona 1 $ 500,000 $ 500,000 $ 274,000
Carroll, Arkansas 1 $ 503,000 $ 503,000 $ 108,000
Columbia, Arkansas 1 $ 80,000 $ 80,000 $ 85,000
Logan, Arkansas 1 $ 158,000 $ 158,000 $ 89,000
Sebastian, Arkansas 1 $ 117,000 $ 117,000 $ 157,000
Fresno, California 1 $ 588,000 $ 588,000 $ 874,000
Kern, California 1 $ 153,000 $ 153,000 $ 110,000
Napa, California 1 $ 950,000 $ 950,000 $ 966,000
San Mateo, California 1 $ 1,116,000 $ 1,116,000 $ 322,000
Sonoma, California 1 $ 1,500,000 $ 1,500,000 $ 660,000
Ventura, California 1 $ 423,000 $ 423,000 $ 427,000
Arapahoe, Colorado 1 $ 181,000 $ 181,000 $ 59,000
Clear Creek, Colorado 1 $ 320,000 $ 320,000 $ 235,000
Custer, Colorado 1 $ 70,000 $ 70,000 $ 32,000
Denver, Colorado 1 $ 80,000 $ 80,000 $ 129,000
Douglas, Colorado 1 $ 560,000 $ 560,000 $ 222,000
Montrose, Colorado 1 $ 85,000 $ 85,000 $ 44,000
Summit, Colorado 1 $ 1,575,000 $ 1,575,000 $ 1,477,000
Brevard, Florida 1 $ 115,000 $ 115,000 $ 95,000
Charlotte, Florida 1 $ 180,000 $ 180,000 $ 120,000
Duval, Florida 1 $ 87,000 $ 87,000 $ 38,000
Escambia, Florida 1 $ 132,000 $ 132,000 $ 181,000
Hillsborough, Florida 1 $ 255,000 $ 255,000 $ 145,000
Lee, Florida 1 $ 232,000 $ 232,000 $ 339,000
Manatee, Florida 1 $ 236,000 $ 236,000 $ 400,000
Osceola, Florida 1 $ 72,000 $ 72,000 $ 150,000
Palm Beach, Florida 1 $ 295,000 $ 295,000 $ 329,000
Seminole, Florida 1 $ 102,000 $ 102,000 $ 88,000
St. Johns, Florida 1 $ 713,000 $ 713,000 $ 650,000
Coweta, Georgia 1 $ 372,000 $ 372,000 $ 120,000
Hall, Georgia 1 $ 230,000 $ 230,000 $ 230,000
Hawaii, Hawaii 1 $ 525,000 $ 525,000 $ 540,000
Champaign, Illinois 1 $ 218,000 $ 218,000 $ 109,000
DuPage, Illinois 1 $ 1,525,000 $ 1,525,000 $ 1,000,000
Kendall, Illinois 1 $ 100,000 $ 100,000 $ 127,000
Will, Illinois 1 $ 278,000 $ 278,000 $ 55,000
Finney, Kansas 1 $ 179,000 $ 179,000 $ 103,000
Beauregard, Louisiana 1 $ 79,000 $ 79,000 $ 137,000
Caddo, Louisiana 1 $ 285,000 $ 285,000 $ 110,000
Evangeline, Louisiana 1 $ 44,000 $ 44,000 $ 1,140,000
Sabine, Louisiana 1 $ 176,000 $ 176,000 $ 68,000
Union, Louisiana 1 $ 147,000 $ 147,000 $ 93,000
Middlesex, Massachusetts 1 $ 812,000 $ 812,000 $ 182,000
Washtenaw, Michigan 1 $ 296,000 $ 296,000 $ 450,000
Hennepin, Minnesota 1 $ 94,000 $ 94,000 $ 44,000
Swift, Minnesota 1 $ 44,000 $ 44,000 $ 43,000
Gallatin, Montana 1 $ 154,000 $ 154,000 $ 228,000
Lyon, Nevada 1 $ 133,000 $ 133,000 $ 98,000
Nye, Nevada 1 $ 140,000 $ 140,000 $ 144,000
Mercer, New Jersey 1 $ 200,000 $ 200,000 $ 0
Morris, New Jersey 1 $ 282,000 $ 282,000 $ 115,000
Somerset, New Jersey 1 $ 592,000 $ 592,000 $ 174,000
Lincoln, New Mexico 1 $ 261,000 $ 261,000 $ 130,000
Queens, New York 1 $ 275,000 $ 275,000 $ 167,000
Tioga, New York 1 $ 114,000 $ 114,000 $ 150,000
Westchester, New York 1 $ 658,000 $ 658,000 $ 211,000
Buncombe, North Carolina 1 $ 308,000 $ 308,000 $ 289,000
Delaware, Ohio 1 $ 727,000 $ 727,000 $ 330,000
Erie, Ohio 1 $ 336,000 $ 336,000 $ 295,000
Lake, Ohio 1 $ 198,000 $ 198,000 $ 100,000
Summit, Ohio 1 $ 57,000 $ 57,000 $ 30,000
Tuscarawas, Ohio 1 $ 209,000 $ 209,000 $ 161,000
Carter, Oklahoma 1 $ 113,000 $ 113,000 $ 41,000
Creek, Oklahoma 1 $ 52,000 $ 52,000 $ 262,000
Lincoln, Oklahoma 1 $ 116,000 $ 116,000 $ 73,000
Mayes, Oklahoma 1 $ 75,000 $ 75,000 $ 113,000
McClain, Oklahoma 1 $ 167,000 $ 167,000 $ 117,000
Tulsa, Oklahoma 1 $ 94,000 $ 94,000 $ 151,000
Deschutes, Oregon 1 $ 370,000 $ 370,000 $ 241,000
Lane, Oregon 1 $ 195,000 $ 195,000 $ 60,000
Centre, Pennsylvania 1 $ 230,000 $ 230,000 $ 126,000
Greene, Pennsylvania 1 $ 239,000 $ 239,000 $ 219,000
Montgomery, Pennsylvania 1 $ 444,000 $ 444,000 $ 208,000
Philadelphia, Pennsylvania 1 $ 109,000 $ 109,000 $ 175,000
Blount, Tennessee 1 $ 103,000 $ 103,000 $ 97,000
Hamilton, Tennessee 1 $ 330,000 $ 330,000 $ 135,000
Knox, Tennessee 1 $ 150,000 $ 150,000 $ 120,000
Atascosa, Texas 1 $ 141,000 $ 141,000 $ 205,000
Brewster, Texas 1 $ 300,000 $ 300,000 $ 1,424,000
Dimmit, Texas 1 $ 165,000 $ 165,000 $ 74,000
Franklin, Texas 1 $ 254,000 $ 254,000 $ 199,000
Harrison, Texas 1 $ 149,000 $ 149,000 $ 137,000
Hays, Texas 1 $ 396,000 $ 396,000 $ 390,000
Hood, Texas 1 $ 5,000 $ 5,000 $ 98,000
Jeff Davis, Texas 1 $ 203,000 $ 203,000 $ 268,000
Jefferson, Texas 1 $ 94,000 $ 94,000 $ 171,000
Kendall, Texas 1 $ 798,000 $ 798,000 $ 576,000
Matagorda, Texas 1 $ 100,000 $ 100,000 $ 176,000
Midland, Texas 1 $ 158,000 $ 158,000 $ 50,000
Nacogdoches, Texas 1 $ 144,000 $ 144,000 $ 130,000
Palo Pinto, Texas 1 $ 103,000 $ 103,000 $ 112,000
Panola, Texas 1 $ 332,000 $ 332,000 $ 304,000
San Jacinto, Texas 1 $ 53,000 $ 53,000 $ 110,000
Smith, Texas 1 $ 254,000 $ 254,000 $ 269,000
Uvalde, Texas 1 $ 170,000 $ 170,000 $ 215,000
Walker, Texas 1 $ 288,000 $ 288,000 $ 180,000
Waller, Texas 1 $ 234,000 $ 234,000 $ 242,000
Williamson, Texas 1 $ 273,000 $ 273,000 $ 135,000
Salt Lake, Utah 1 $ 290,000 $ 290,000 $ 150,000
Virginia Beach, Virginia 1 $ 659,000 $ 659,000 $ 540,000
King, Washington 1 $ 207,000 $ 207,000 $ 91,000
Kittitas, Washington 1 $ 188,000 $ 188,000 $ 236,000
Spokane, Washington 1 $ 261,000 $ 261,000 $ 107,000
Whatcom, Washington 1 $ 298,000 $ 298,000 $ 108,000
Randolph, West Virginia 1 $ 154,000 $ 154,000 $ 80,000
Wood, West Virginia 1 $ 86,000 $ 86,000 $ 114,000
Waukesha, Wisconsin 1 $ 68,000 $ 68,000 $ 81,000
Campbell, Wyoming 1 $ 158,000 $ 158,000 $ 92,000
Teton, Wyoming 1 $ 280,000 $ 280,000 $ 342,000

Mortgage Loan Application Detail Totals for Advancial Federal Credit Union in 2011

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
Refinancing 615 $159,546,000 $259,000 $2,000,000 $193,000 $6,355,000
Home Purchase 390 $110,032,000 $282,000 $2,113,000 $242,000 $3,625,000
Home Improvement 69 $3,608,000 $52,000 $400,000 $148,000 $957,000

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 639 $173,376,000 $271,000 $2,113,000 $224,000 $6,355,000
Not Provided 284 $67,271,000 $236,000 $2,000,000 $171,000 $3,441,000
Hispanic 57 $12,558,000 $220,000 $1,282,000 $199,000 $2,000,000
Asian 50 $13,544,000 $270,000 $1,428,000 $218,000 $3,105,000
Black or African American 26 $3,098,000 $119,000 $450,000 $205,000 $1,825,000
American Indian or Alaskan Native 17 $3,207,000 $188,000 $514,000 $228,000 $1,424,000
Native Hawaiian or Other Pacific Islander 1 $132,000 $132,000 $132,000 $90,000 $90,000
Not applicable 0 $0 $0 $0 $0 $0

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) 1,069 $272,201,000 $254,000 $2,113,000 $209,000 $6,355,000
FHA-insured (Federal Housing Administration) 5 $985,000 $197,000 $278,000 $92,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans 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 670 $166,756,000 $248,000 $2,113,000 $221,000 $6,355,000
Application Denied By Financial Institution 234 $57,302,000 $244,000 $1,920,000 $161,000 $1,208,000
Application Withdrawn By Applicant 123 $39,910,000 $324,000 $1,990,000 $240,000 $1,830,000
File Closed For Incompleteness 33 $8,315,000 $251,000 $1,120,000 $188,000 $577,000
Application Approved But Not Accepted 14 $903,000 $64,000 $300,000 $133,000 $350,000
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 3 $91,000 $30,000 $50,000 $68,000 $120,000
Collateral 1 $96,000 $96,000 $96,000 $120,000 $120,000
Mortgage Insurance Denied 1 $122,000 $122,000 $122,000 $83,000 $83,000
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Advancial Federal Credit Union's 2011 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 Advancial 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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