Advancial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Advancial Credit Union 2012 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 | Advancial Credit Union 1845 Woodall Rodgers Fwy, Suite 1300 Dallas, TX 75201 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 |
| Total Number of Mortgage Applications | 1,456 |
| Total Mortgage Loan Application Amount | $366,492,000 |
| Average Mortgage Loan Application Amount | $202,333 |
| Highest Mortgage Loan Application Amount | $2,790,000 |
| Average Applicant Income | $180,000 |
| Highest Applicant Income | $4,550,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Advancial 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 Advancial Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Advancial 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 Advancial Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Advancial 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 Advancial Credit Union's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 165 | $ 43,207,000 | $ 261,000 | $ 190,000 |
| Dallas County Texas | 150 | $ 25,331,000 | $ 168,000 | $ 128,000 |
| Collin County Texas | 136 | $ 26,567,000 | $ 195,000 | $ 142,000 |
| Lafayette County Louisiana | 110 | $ 13,826,000 | $ 125,000 | $ 103,000 |
| Anchorage County Alaska | 59 | $ 14,376,000 | $ 243,000 | $ 144,000 |
| Denton County Texas | 54 | $ 11,551,000 | $ 213,000 | $ 122,000 |
| Fort Bend County Texas | 54 | $ 12,615,000 | $ 233,000 | $ 158,000 |
| Oklahoma County Oklahoma | 48 | $ 8,596,000 | $ 179,000 | $ 157,000 |
| Tarrant County Texas | 40 | $ 13,878,000 | $ 346,000 | $ 228,000 |
| Maricopa County Arizona | 30 | $ 22,502,000 | $ 750,000 | $ 409,000 |
| Los Angeles County California | 18 | $ 8,495,000 | $ 471,000 | $ 452,000 |
| Montgomery County Texas | 14 | $ 3,335,000 | $ 238,000 | $ 321,000 |
| Acadia County Louisiana | 13 | $ 1,768,000 | $ 136,000 | $ 71,000 |
| Iberia County Louisiana | 13 | $ 1,657,000 | $ 127,000 | $ 92,000 |
| St. Landry County Louisiana | 12 | $ 1,219,000 | $ 101,000 | $ 71,000 |
| St. Martin County Louisiana | 12 | $ 1,466,000 | $ 122,000 | $ 78,000 |
| Vermilion County Louisiana | 12 | $ 1,167,000 | $ 97,000 | $ 134,000 |
| Ellis County Texas | 12 | $ 1,865,000 | $ 155,000 | $ 141,000 |
| Kaufman County Texas | 12 | $ 1,227,000 | $ 102,000 | $ 88,000 |
| Travis County Texas | 12 | $ 5,357,000 | $ 446,000 | $ 274,000 |
| Kings County New York | 11 | $ 6,064,000 | $ 551,000 | $ 182,000 |
| Cleveland County Oklahoma | 11 | $ 1,524,000 | $ 138,000 | $ 114,000 |
| Miami-Dade County Florida | 10 | $ 3,491,000 | $ 349,000 | $ 768,000 |
| Canadian County Oklahoma | 10 | $ 1,739,000 | $ 173,000 | $ 106,000 |
| Cook County Illinois | 9 | $ 4,415,000 | $ 490,000 | $ 210,000 |
| Matanuska-Susitna County Alaska | 8 | $ 1,415,000 | $ 176,000 | $ 150,000 |
| Clark County Nevada | 8 | $ 4,133,000 | $ 516,000 | $ 542,000 |
| Rockwall County Texas | 8 | $ 1,277,000 | $ 159,000 | $ 121,000 |
| Pima County Arizona | 7 | $ 1,741,000 | $ 248,000 | $ 133,000 |
| Fulton County Georgia | 7 | $ 3,099,000 | $ 442,000 | $ 468,000 |
| Kenai Peninsula County Alaska | 6 | $ 1,337,000 | $ 222,000 | $ 155,000 |
| San Francisco County California | 6 | $ 2,829,000 | $ 471,000 | $ 371,000 |
| Bay County Florida | 6 | $ 579,000 | $ 96,000 | $ 136,000 |
| Mono County California | 5 | $ 1,032,000 | $ 206,000 | $ 273,000 |
| Santa Clara County California | 5 | $ 6,149,000 | $ 1,229,000 | $ 498,000 |
| Arapahoe County Colorado | 5 | $ 1,390,000 | $ 278,000 | $ 131,000 |
| Denver County Colorado | 5 | $ 2,396,000 | $ 479,000 | $ 240,000 |
| Galveston County Texas | 5 | $ 778,000 | $ 155,000 | $ 135,000 |
| Van Zandt County Texas | 5 | $ 243,000 | $ 48,000 | $ 45,000 |
| Summit County Utah | 5 | $ 1,810,000 | $ 362,000 | $ 460,000 |
| San Diego County California | 4 | $ 1,491,000 | $ 372,000 | $ 149,000 |
| Douglas County Colorado | 4 | $ 1,393,000 | $ 348,000 | $ 189,000 |
| Okaloosa County Florida | 4 | $ 1,211,000 | $ 302,000 | $ 222,000 |
| Logan County Oklahoma | 4 | $ 812,000 | $ 203,000 | $ 127,000 |
| Brazos County Texas | 4 | $ 474,000 | $ 118,000 | $ 286,000 |
| Teton County Wyoming | 4 | $ 2,729,000 | $ 682,000 | $ 488,000 |
| Napa County California | 3 | $ 1,099,000 | $ 366,000 | $ 579,000 |
| Orange County California | 3 | $ 1,544,000 | $ 514,000 | $ 295,000 |
| Riverside County California | 3 | $ 674,000 | $ 224,000 | $ 184,000 |
| Eagle County Colorado | 3 | $ 2,006,000 | $ 668,000 | $ 415,000 |
| Jefferson County Colorado | 3 | $ 708,000 | $ 236,000 | $ 97,000 |
| Routt County Colorado | 3 | $ 1,392,000 | $ 464,000 | $ 477,000 |
| Orange County Florida | 3 | $ 1,749,000 | $ 583,000 | $ 520,000 |
| Palm Beach County Florida | 3 | $ 819,000 | $ 273,000 | $ 202,000 |
| Pinellas County Florida | 3 | $ 1,088,000 | $ 362,000 | $ 326,000 |
| Hawaii County Hawaii | 3 | $ 2,505,000 | $ 835,000 | $ 538,000 |
| Ascension County Louisiana | 3 | $ 521,000 | $ 173,000 | $ 165,000 |
| Evangeline County Louisiana | 3 | $ 358,000 | $ 119,000 | $ 99,000 |
| Livingston County Louisiana | 3 | $ 590,000 | $ 196,000 | $ 127,000 |
| Orleans County Louisiana | 3 | $ 490,000 | $ 163,000 | $ 101,000 |
| Montgomery County Maryland | 3 | $ 2,103,000 | $ 701,000 | $ 187,000 |
| Bergen County New Jersey | 3 | $ 1,083,000 | $ 361,000 | $ 360,000 |
| New York County New York | 3 | $ 1,564,000 | $ 521,000 | $ 232,000 |
| Buncombe County North Carolina | 3 | $ 1,553,000 | $ 517,000 | $ 414,000 |
| Bexar County Texas | 3 | $ 700,000 | $ 233,000 | $ 242,000 |
| Brazoria County Texas | 3 | $ 633,000 | $ 211,000 | $ 177,000 |
| Comal County Texas | 3 | $ 781,000 | $ 260,000 | $ 224,000 |
| Grayson County Texas | 3 | $ 521,000 | $ 173,000 | $ 218,000 |
| Harrison County Texas | 3 | $ 335,000 | $ 111,000 | $ 344,000 |
| Smith County Texas | 3 | $ 455,000 | $ 151,000 | $ 853,000 |
| Kittitas County Washington | 3 | $ 555,000 | $ 185,000 | $ 425,000 |
| Mohave County Arizona | 2 | $ 312,000 | $ 156,000 | $ 195,000 |
| Pinal County Arizona | 2 | $ 218,000 | $ 109,000 | $ 267,000 |
| Santa Cruz County California | 2 | $ 1,438,000 | $ 719,000 | $ 285,000 |
| Elbert County Colorado | 2 | $ 502,000 | $ 251,000 | $ 97,000 |
| Larimer County Colorado | 2 | $ 461,000 | $ 230,000 | $ 108,000 |
| Summit County Colorado | 2 | $ 2,887,000 | $ 1,443,000 | $ 1,056,000 |
| Broward County Florida | 2 | $ 1,378,000 | $ 689,000 | $ 2,467,000 |
| Hillsborough County Florida | 2 | $ 688,000 | $ 344,000 | $ 153,000 |
| Pasco County Florida | 2 | $ 512,000 | $ 256,000 | $ 116,000 |
| Walton County Florida | 2 | $ 493,000 | $ 246,000 | $ 220,000 |
| Honolulu County Hawaii | 2 | $ 1,014,000 | $ 507,000 | $ 515,000 |
| DuPage County Illinois | 2 | $ 349,000 | $ 174,000 | $ 82,000 |
| Lake County Illinois | 2 | $ 1,090,000 | $ 545,000 | $ 274,000 |
| St. Tammany County Louisiana | 2 | $ 424,000 | $ 212,000 | $ 144,000 |
| Barnstable County Massachusetts | 2 | $ 419,000 | $ 209,000 | $ 158,000 |
| Oakland County Michigan | 2 | $ 317,000 | $ 158,000 | $ 126,000 |
| Lake County Montana | 2 | $ 567,000 | $ 283,000 | $ 185,000 |
| Morris County New Jersey | 2 | $ 1,069,000 | $ 534,000 | $ 202,000 |
| Suffolk County New York | 2 | $ 354,000 | $ 177,000 | $ 163,000 |
| Cuyahoga County Ohio | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Grady County Oklahoma | 2 | $ 296,000 | $ 148,000 | $ 85,000 |
| Horry County South Carolina | 2 | $ 828,000 | $ 414,000 | $ 267,000 |
| Austin County Texas | 2 | $ 560,000 | $ 280,000 | $ 149,000 |
| Burnet County Texas | 2 | $ 499,000 | $ 249,000 | $ 151,000 |
| Cameron County Texas | 2 | $ 210,000 | $ 105,000 | $ 120,000 |
| Gregg County Texas | 2 | $ 163,000 | $ 81,000 | $ 84,000 |
| Henderson County Texas | 2 | $ 892,000 | $ 446,000 | $ 307,000 |
| Hunt County Texas | 2 | $ 185,000 | $ 92,000 | $ 105,000 |
| Johnson County Texas | 2 | $ 279,000 | $ 139,000 | $ 126,000 |
| Kerr County Texas | 2 | $ 419,000 | $ 209,000 | $ 102,000 |
| Midland County Texas | 2 | $ 322,000 | $ 161,000 | $ 89,000 |
| Nueces County Texas | 2 | $ 480,000 | $ 240,000 | $ 320,000 |
| Parker County Texas | 2 | $ 164,000 | $ 82,000 | $ 125,000 |
| Zapata County Texas | 2 | $ 232,000 | $ 116,000 | $ 70,000 |
| King County Washington | 2 | $ 1,411,000 | $ 705,000 | $ 286,000 |
| Campbell County Wyoming | 2 | $ 466,000 | $ 233,000 | $ 52,000 |
| Baldwin County Alabama | 1 | $ 102,000 | $ 102,000 | $ 86,000 |
| Yavapai County Arizona | 1 | $ 682,000 | $ 682,000 | $ 158,000 |
| Columbia County Arkansas | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| Garland County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Alameda County California | 1 | $ 222,000 | $ 222,000 | $ 82,000 |
| Contra Costa County California | 1 | $ 238,000 | $ 238,000 | $ 90,000 |
| Kern County California | 1 | $ 175,000 | $ 175,000 | $ 180,000 |
| Marin County California | 1 | $ 130,000 | $ 130,000 | $ 292,000 |
| Placer County California | 1 | $ 375,000 | $ 375,000 | $ 388,000 |
| Sacramento County California | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| San Bernardino County California | 1 | $ 600,000 | $ 600,000 | $ 567,000 |
| San Mateo County California | 1 | $ 920,000 | $ 920,000 | $ 344,000 |
| Tulare County California | 1 | $ 330,000 | $ 330,000 | $ 874,000 |
| Ventura County California | 1 | $ 194,000 | $ 194,000 | $ 253,000 |
| Delta County Colorado | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Huerfano County Colorado | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Pitkin County Colorado | 1 | $ 431,000 | $ 431,000 | $ 554,000 |
| New London County Connecticut | 1 | $ 385,000 | $ 385,000 | $ 483,000 |
| Brevard County Florida | 1 | $ 72,000 | $ 72,000 | $ 136,000 |
| Collier County Florida | 1 | $ 937,000 | $ 937,000 | $ 654,000 |
| Escambia County Florida | 1 | $ 136,000 | $ 136,000 | $ 181,000 |
| Franklin County Florida | 1 | $ 324,000 | $ 324,000 | $ 189,000 |
| Lee County Florida | 1 | $ 426,000 | $ 426,000 | $ 368,000 |
| Manatee County Florida | 1 | $ 135,000 | $ 135,000 | $ 173,000 |
| Martin County Florida | 1 | $ 96,000 | $ 96,000 | $ 1,096,000 |
| Osceola County Florida | 1 | $ 91,000 | $ 91,000 | $ 50,000 |
| Santa Rosa County Florida | 1 | $ 76,000 | $ 76,000 | $ 64,000 |
| Sarasota County Florida | 1 | $ 193,000 | $ 193,000 | $ 198,000 |
| Carroll County Georgia | 1 | $ 154,000 | $ 154,000 | $ 435,000 |
| Chatham County Georgia | 1 | $ 168,000 | $ 168,000 | $ 231,000 |
| Cobb County Georgia | 1 | $ 472,000 | $ 472,000 | $ 960,000 |
| Fannin County Georgia | 1 | $ 260,000 | $ 260,000 | $ 203,000 |
| Gwinnett County Georgia | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Jackson County Georgia | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Paulding County Georgia | 1 | $ 173,000 | $ 173,000 | $ 78,000 |
| Towns County Georgia | 1 | $ 92,000 | $ 92,000 | $ 81,000 |
| Maui County Hawaii | 1 | $ 268,000 | $ 268,000 | $ 594,000 |
| Ada County Idaho | 1 | $ 180,000 | $ 180,000 | $ 185,000 |
| Marion County Indiana | 1 | $ 120,000 | $ 120,000 | $ 133,000 |
| Shawnee County Kansas | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Caddo County Louisiana | 1 | $ 119,000 | $ 119,000 | $ 94,000 |
| Calcasieu County Louisiana | 1 | $ 296,000 | $ 296,000 | $ 132,000 |
| Concordia County Louisiana | 1 | $ 152,000 | $ 152,000 | $ 101,000 |
| De Soto County Louisiana | 1 | $ 256,000 | $ 256,000 | $ 91,000 |
| East Baton Rouge County Louisiana | 1 | $ 209,000 | $ 209,000 | $ 76,000 |
| Lafourche County Louisiana | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Lincoln County Louisiana | 1 | $ 57,000 | $ 57,000 | $ 194,000 |
| Ouachita County Louisiana | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Pointe Coupee County Louisiana | 1 | $ 239,000 | $ 239,000 | $ 69,000 |
| St. Mary County Louisiana | 1 | $ 143,000 | $ 143,000 | $ 61,000 |
| Bristol County Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Middlesex County Massachusetts | 1 | $ 158,000 | $ 158,000 | $ 320,000 |
| Norfolk County Massachusetts | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Berrien County Michigan | 1 | $ 1,252,000 | $ 1,252,000 | $ 874,000 |
| Charlevoix County Michigan | 1 | $ 692,000 | $ 692,000 | $ 223,000 |
| Kalamazoo County Michigan | 1 | $ 192,000 | $ 192,000 | $ 86,000 |
| Hennepin County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Harrison County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 108,000 |
| Cape Girardeau County Missouri | 1 | $ 122,000 | $ 122,000 | $ 185,000 |
| Stone County Missouri | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Flathead County Montana | 1 | $ 214,000 | $ 214,000 | $ 254,000 |
| Mercer County New Jersey | 1 | $ 183,000 | $ 183,000 | $ 55,000 |
| Otero County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 201,000 |
| Santa Fe County New Mexico | 1 | $ 343,000 | $ 343,000 | $ 216,000 |
| Nassau County New York | 1 | $ 324,000 | $ 324,000 | $ 148,000 |
| Queens County New York | 1 | $ 770,000 | $ 770,000 | $ 1,132,000 |
| Rensselaer County New York | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Westchester County New York | 1 | $ 1,419,000 | $ 1,419,000 | $ 1,100,000 |
| Caldwell County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 124,000 |
| Dare County North Carolina | 1 | $ 550,000 | $ 550,000 | $ 209,000 |
| Henderson County North Carolina | 1 | $ 254,000 | $ 254,000 | $ 57,000 |
| Mecklenburg County North Carolina | 1 | $ 222,000 | $ 222,000 | $ 77,000 |
| Delaware County Ohio | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Franklin County Ohio | 1 | $ 112,000 | $ 112,000 | $ 90,000 |
| Logan County Ohio | 1 | $ 207,000 | $ 207,000 | $ 88,000 |
| Stark County Ohio | 1 | $ 109,000 | $ 109,000 | $ 131,000 |
| Tuscarawas County Ohio | 1 | $ 241,000 | $ 241,000 | $ 113,000 |
| Kingfisher County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Richland County South Carolina | 1 | $ 206,000 | $ 206,000 | $ 109,000 |
| Pennington County South Dakota | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
| Davidson County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Shelby County Tennessee | 1 | $ 136,000 | $ 136,000 | $ 185,000 |
| Angelina County Texas | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Bell County Texas | 1 | $ 166,000 | $ 166,000 | $ 72,000 |
| Brown County Texas | 1 | $ 121,000 | $ 121,000 | $ 157,000 |
| Cooke County Texas | 1 | $ 360,000 | $ 360,000 | $ 400,000 |
| El Paso County Texas | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Fannin County Texas | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Hidalgo County Texas | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Jack County Texas | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Jasper County Texas | 1 | $ 520,000 | $ 520,000 | $ 153,000 |
| Lubbock County Texas | 1 | $ 86,000 | $ 86,000 | $ 79,000 |
| Medina County Texas | 1 | $ 202,000 | $ 202,000 | $ 119,000 |
| Navarro County Texas | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Palo Pinto County Texas | 1 | $ 100,000 | $ 100,000 | $ 246,000 |
| San Jacinto County Texas | 1 | $ 68,000 | $ 68,000 | $ 115,000 |
| Somervell County Texas | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Uvalde County Texas | 1 | $ 73,000 | $ 73,000 | $ 77,000 |
| Waller County Texas | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Williamson County Texas | 1 | $ 109,000 | $ 109,000 | $ 101,000 |
| Salt Lake County Utah | 1 | $ 114,000 | $ 114,000 | $ 209,000 |
| Wasatch County Utah | 1 | $ 480,000 | $ 480,000 | $ 121,000 |
| Alexandria County Virginia | 1 | $ 193,000 | $ 193,000 | $ 75,000 |
| Culpeper County Virginia | 1 | $ 412,000 | $ 412,000 | $ 136,000 |
| Loudoun County Virginia | 1 | $ 416,000 | $ 416,000 | $ 239,000 |
| Kitsap County Washington | 1 | $ 302,000 | $ 302,000 | $ 160,000 |
| Walla Walla County Washington | 1 | $ 360,000 | $ 360,000 | $ 152,000 |
| Dane County Wisconsin | 1 | $ 280,000 | $ 280,000 | $ 98,000 |
| Milwaukee County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Walworth County Wisconsin | 1 | $ 2,790,000 | $ 2,790,000 | $ 2,851,000 |
| Waukesha County Wisconsin | 1 | $ 291,000 | $ 291,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Advancial Credit Union in 2012
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 | 809 | $180,614,000 | $223,000 | $2,000,000 | $161,000 | $2,561,000 |
| Home Purchase | 564 | $180,553,000 | $320,000 | $2,790,000 | $250,000 | $4,550,000 |
| Home Improvement | 83 | $5,325,000 | $64,000 | $1,280,000 | $129,000 | $1,335,000 |
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 | 859 | $227,807,000 | $265,000 | $2,790,000 | $192,000 | $2,851,000 |
| Not Provided | 419 | $95,934,000 | $228,000 | $1,500,000 | $174,000 | $2,304,000 |
| Asian | 67 | $18,623,000 | $277,000 | $1,312,000 | $337,000 | $4,256,000 |
| Hispanic | 66 | $14,113,000 | $213,000 | $1,303,000 | $204,000 | $4,550,000 |
| Black or African American | 34 | $6,940,000 | $204,000 | $1,979,000 | $149,000 | $1,000,000 |
| American Indian or Alaskan Native | 6 | $1,044,000 | $174,000 | $260,000 | $144,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,031,000 | $406,000 | $1,567,000 | $274,000 | $630,000 |
| 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) | 1,456 | $366,492,000 | $251,000 | $2,790,000 | $193,000 | $4,550,000 |
| 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 |
| 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 | 941 | $245,241,000 | $260,000 | $2,386,000 | $198,000 | $4,550,000 |
| Application Withdrawn By Applicant | 290 | $73,613,000 | $253,000 | $2,790,000 | $213,000 | $2,851,000 |
| Application Denied By Financial Institution | 163 | $38,230,000 | $234,000 | $1,567,000 | $153,000 | $1,309,000 |
| File Closed For Incompleteness | 41 | $8,362,000 | $203,000 | $1,020,000 | $143,000 | $796,000 |
| Application Approved But Not Accepted | 21 | $1,046,000 | $49,000 | $100,000 | $109,000 | $307,000 |
| 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 | 16 | $1,229,000 | $76,000 | $412,000 | $77,000 | $194,000 |
| Debt-To-Income Ratio | 3 | $1,987,000 | $662,000 | $1,567,000 | $293,000 | $630,000 |
| Collateral | 1 | $110,000 | $110,000 | $110,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 1 | $87,000 | $87,000 | $87,000 | $55,000 | $55,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Credit Union's 2012 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 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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