Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Advancial Federal Credit Union of Dallas, TX reported 960 mortgage applications totaling $477.0 million, down 27% from 2021. The average application was for $496,833, and applicants reported an average income of $259,462. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dallas-Plano-Irving, TX (77), Houston-The Woodlands-Sugar Land, TX (64) and New York-Jersey City-White Plains, NY-NJ (56) (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 |
| Years | 2025 2024 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 | 960 |
| Total Mortgage Loan Application Amount | $476,960,000 |
| Average Mortgage Loan Application Amount | $496,833 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $259,462 |
| Highest Applicant Income | $4,723,000 |
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records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, Louisiana | 33 | $ 3,805,000 | $ 115,303 | $ 108,000 |
| Dallas, Texas | 33 | $ 11,575,000 | $ 350,757 | $ 169,000 |
| Harris, Texas | 29 | $ 9,945,000 | $ 342,931 | $ 214,000 |
| Miami-Dade, Florida | 28 | $ 14,790,000 | $ 528,214 | $ 262,000 |
| Los Angeles, California | 26 | $ 27,380,000 | $ 1,053,076 | $ 499,000 |
| Broward, Florida | 23 | $ 6,735,000 | $ 292,826 | $ 165,000 |
| Collin, Texas | 22 | $ 6,410,000 | $ 291,363 | $ 171,000 |
| San Diego, California | 21 | $ 27,245,000 | $ 1,297,380 | $ 622,000 |
| Fort Bend, Texas | 20 | $ 7,300,000 | $ 365,000 | $ 167,000 |
| Maricopa, Arizona | 17 | $ 6,085,000 | $ 357,941 | $ 145,000 |
| King, Washington | 17 | $ 15,575,000 | $ 916,176 | $ 462,000 |
| Clark, Nevada | 15 | $ 5,155,000 | $ 343,666 | $ 266,000 |
| Pinellas, Florida | 14 | $ 4,610,000 | $ 329,285 | $ 255,000 |
| New York, New York | 14 | $ 11,340,000 | $ 810,000 | $ 465,000 |
| Orange, Florida | 13 | $ 3,435,000 | $ 264,230 | $ 183,000 |
| Riverside, California | 11 | $ 5,295,000 | $ 481,363 | $ 315,000 |
| Cook, Illinois | 11 | $ 4,475,000 | $ 406,818 | $ 248,000 |
| Horry, South Carolina | 11 | $ 2,635,000 | $ 239,545 | $ 196,000 |
| Denton, Texas | 11 | $ 5,915,000 | $ 537,727 | $ 221,000 |
| Santa Clara, California | 10 | $ 8,020,000 | $ 802,000 | $ 249,000 |
| Walton, Florida | 10 | $ 8,100,000 | $ 810,000 | $ 348,000 |
| Bergen, New Jersey | 10 | $ 7,290,000 | $ 729,000 | $ 223,000 |
| Tarrant, Texas | 10 | $ 3,600,000 | $ 360,000 | $ 151,000 |
| San Mateo, California | 9 | $ 12,715,000 | $ 1,412,777 | $ 393,000 |
| Brevard, Florida | 9 | $ 3,285,000 | $ 365,000 | $ 162,000 |
| Osceola, Florida | 9 | $ 3,445,000 | $ 382,777 | $ 294,000 |
| Palm Beach, Florida | 9 | $ 4,295,000 | $ 477,222 | $ 377,000 |
| Anchorage, Alaska | 8 | $ 1,900,000 | $ 237,500 | $ 152,000 |
| Orange, California | 8 | $ 15,740,000 | $ 1,967,500 | $ 543,000 |
| San Francisco, California | 8 | $ 7,380,000 | $ 922,500 | $ 296,000 |
| Bay, Florida | 8 | $ 3,000,000 | $ 375,000 | $ 339,000 |
| Volusia, Florida | 8 | $ 2,130,000 | $ 266,250 | $ 264,000 |
| Colfax, New Mexico | 8 | $ 1,520,000 | $ 190,000 | $ 207,000 |
| Kings, New York | 8 | $ 8,030,000 | $ 1,003,750 | $ 395,000 |
| Queens, New York | 8 | $ 2,510,000 | $ 313,750 | $ 152,000 |
| Summit, Utah | 8 | $ 4,080,000 | $ 510,000 | $ 436,000 |
| Okaloosa, Florida | 7 | $ 2,545,000 | $ 363,571 | $ 241,000 |
| Vermilion, Louisiana | 7 | $ 885,000 | $ 126,428 | $ 85,000 |
| Travis, Texas | 7 | $ 6,845,000 | $ 977,857 | $ 534,000 |
| Williamson, Texas | 7 | $ 3,005,000 | $ 429,285 | $ 227,000 |
| Westchester, New York | 6 | $ 2,770,000 | $ 461,666 | $ 182,000 |
| Montgomery, Texas | 6 | $ 3,240,000 | $ 540,000 | $ 279,000 |
| Alameda, California | 5 | $ 3,425,000 | $ 685,000 | $ 256,000 |
| Lee, Florida | 5 | $ 1,605,000 | $ 321,000 | $ 261,000 |
| St. Martin, Louisiana | 5 | $ 225,000 | $ 45,000 | $ 86,000 |
| Franklin, Ohio | 5 | $ 1,495,000 | $ 299,000 | $ 197,000 |
| Oklahoma, Oklahoma | 5 | $ 895,000 | $ 179,000 | $ 160,000 |
| Kaufman, Texas | 5 | $ 1,535,000 | $ 307,000 | $ 118,000 |
| San Bernardino, California | 4 | $ 1,860,000 | $ 465,000 | $ 270,000 |
| Sonoma, California | 4 | $ 3,820,000 | $ 955,000 | $ 423,000 |
| Ventura, California | 4 | $ 2,860,000 | $ 715,000 | $ 319,000 |
| Douglas, Colorado | 4 | $ 2,300,000 | $ 575,000 | $ 403,000 |
| Collier, Florida | 4 | $ 1,580,000 | $ 395,000 | $ 275,000 |
| Sarasota, Florida | 4 | $ 2,100,000 | $ 525,000 | $ 276,000 |
| Acadia, Louisiana | 4 | $ 420,000 | $ 105,000 | $ 111,000 |
| Hudson, New Jersey | 4 | $ 1,690,000 | $ 422,500 | $ 193,000 |
| Bronx, New York | 4 | $ 440,000 | $ 110,000 | $ 71,000 |
| Mecklenburg, North Carolina | 4 | $ 1,120,000 | $ 280,000 | $ 174,000 |
| Davidson, Tennessee | 4 | $ 1,300,000 | $ 325,000 | $ 225,000 |
| Galveston, Texas | 4 | $ 1,730,000 | $ 432,500 | $ 300,000 |
| Rockwall, Texas | 4 | $ 1,260,000 | $ 315,000 | $ 165,000 |
| Snohomish, Washington | 4 | $ 2,810,000 | $ 702,500 | $ 209,000 |
| Sacramento, California | 3 | $ 875,000 | $ 291,666 | $ 150,000 |
| San Luis Obispo, California | 3 | $ 2,485,000 | $ 828,333 | $ 258,000 |
| Fairfield, Connecticut | 3 | $ 3,595,000 | $ 1,198,333 | $ 289,000 |
| Hernando, Florida | 3 | $ 2,095,000 | $ 698,333 | $ 236,000 |
| Hillsborough, Florida | 3 | $ 1,605,000 | $ 535,000 | $ 121,000 |
| Manatee, Florida | 3 | $ 1,315,000 | $ 438,333 | $ 365,000 |
| DeKalb, Georgia | 3 | $ 1,015,000 | $ 338,333 | $ 127,000 |
| St. Landry, Louisiana | 3 | $ 205,000 | $ 68,333 | $ 42,000 |
| Anne Arundel, Maryland | 3 | $ 3,135,000 | $ 1,045,000 | $ 438,000 |
| Montgomery, Maryland | 3 | $ 1,795,000 | $ 598,333 | $ 223,000 |
| Bristol, Massachusetts | 3 | $ 505,000 | $ 168,333 | $ 91,000 |
| Flathead, Montana | 3 | $ 1,695,000 | $ 565,000 | $ 245,000 |
| Washoe, Nevada | 3 | $ 2,525,000 | $ 841,666 | $ 1,227,000 |
| Cape May, New Jersey | 3 | $ 635,000 | $ 211,666 | $ 192,000 |
| Ocean, New Jersey | 3 | $ 2,505,000 | $ 835,000 | $ 757,000 |
| Sussex, New Jersey | 3 | $ 575,000 | $ 191,666 | $ 154,000 |
| Union, New Jersey | 3 | $ 1,995,000 | $ 665,000 | $ 274,000 |
| Nassau, New York | 3 | $ 525,000 | $ 175,000 | $ 72,000 |
| Suffolk, New York | 3 | $ 1,045,000 | $ 348,333 | $ 155,000 |
| Brunswick, North Carolina | 3 | $ 495,000 | $ 165,000 | $ 101,000 |
| Bucks, Pennsylvania | 3 | $ 1,075,000 | $ 358,333 | $ 176,000 |
| Philadelphia, Pennsylvania | 3 | $ 695,000 | $ 231,666 | $ 335,000 |
| Cameron, Texas | 3 | $ 845,000 | $ 281,666 | $ 251,000 |
| Gillespie, Texas | 3 | $ 705,000 | $ 235,000 | $ 379,000 |
| Waller, Texas | 3 | $ 865,000 | $ 288,333 | $ 180,000 |
| Pierce, Washington | 3 | $ 3,155,000 | $ 1,051,666 | $ 468,000 |
| Baldwin, Alabama | 2 | $ 370,000 | $ 185,000 | $ 88,000 |
| Mobile, Alabama | 2 | $ 620,000 | $ 310,000 | $ 144,000 |
| Benton, Arkansas | 2 | $ 890,000 | $ 445,000 | $ 236,000 |
| Contra Costa, California | 2 | $ 2,660,000 | $ 1,330,000 | $ 324,000 |
| El Dorado, California | 2 | $ 1,380,000 | $ 690,000 | $ 197,000 |
| Napa, California | 2 | $ 1,070,000 | $ 535,000 | $ 384,000 |
| San Joaquin, California | 2 | $ 1,280,000 | $ 640,000 | $ 339,000 |
| Santa Barbara, California | 2 | $ 2,090,000 | $ 1,045,000 | $ 649,000 |
| Santa Cruz, California | 2 | $ 2,200,000 | $ 1,100,000 | $ 423,000 |
| Grand, Colorado | 2 | $ 540,000 | $ 270,000 | $ 208,000 |
| Summit, Colorado | 2 | $ 740,000 | $ 370,000 | $ 384,000 |
| Flagler, Florida | 2 | $ 1,280,000 | $ 640,000 | $ 494,000 |
| Indian River, Florida | 2 | $ 230,000 | $ 115,000 | $ 37,000 |
| Polk, Florida | 2 | $ 750,000 | $ 375,000 | $ 193,000 |
| Ada, Idaho | 2 | $ 530,000 | $ 265,000 | $ 158,000 |
| Fayette, Kentucky | 2 | $ 380,000 | $ 190,000 | $ 55,000 |
| Calcasieu, Louisiana | 2 | $ 400,000 | $ 200,000 | $ 64,000 |
| Worcester, Maryland | 2 | $ 440,000 | $ 220,000 | $ 166,000 |
| Norfolk, Massachusetts | 2 | $ 720,000 | $ 360,000 | $ 99,000 |
| Plymouth, Massachusetts | 2 | $ 410,000 | $ 205,000 | $ 115,000 |
| Suffolk, Massachusetts | 2 | $ 1,280,000 | $ 640,000 | $ 257,000 |
| Hennepin, Minnesota | 2 | $ 1,080,000 | $ 540,000 | $ 255,000 |
| Gallatin, Montana | 2 | $ 3,120,000 | $ 1,560,000 | $ 489,000 |
| Burlington, New Jersey | 2 | $ 1,140,000 | $ 570,000 | $ 195,000 |
| Mercer, New Jersey | 2 | $ 310,000 | $ 155,000 | $ 122,000 |
| Rockland, New York | 2 | $ 570,000 | $ 285,000 | $ 157,000 |
| Douglas, Oregon | 2 | $ 850,000 | $ 425,000 | $ 252,000 |
| Jackson, Oregon | 2 | $ 800,000 | $ 400,000 | $ 105,000 |
| Lane, Oregon | 2 | $ 680,000 | $ 340,000 | $ 134,000 |
| Multnomah, Oregon | 2 | $ 890,000 | $ 445,000 | $ 175,000 |
| Chester, Pennsylvania | 2 | $ 1,220,000 | $ 610,000 | $ 254,000 |
| Beaufort, South Carolina | 2 | $ 880,000 | $ 440,000 | $ 322,000 |
| Sevier, Tennessee | 2 | $ 920,000 | $ 460,000 | $ 300,000 |
| Brazoria, Texas | 2 | $ 1,030,000 | $ 515,000 | $ 224,000 |
| Brazos, Texas | 2 | $ 420,000 | $ 210,000 | $ 263,000 |
| Ellis, Texas | 2 | $ 180,000 | $ 90,000 | $ 118,000 |
| Grayson, Texas | 2 | $ 730,000 | $ 365,000 | $ 242,000 |
| Nueces, Texas | 2 | $ 290,000 | $ 145,000 | $ 152,000 |
| Davis, Utah | 2 | $ 1,130,000 | $ 565,000 | $ 256,000 |
| Salt Lake, Utah | 2 | $ 1,260,000 | $ 630,000 | $ 118,000 |
| Washington, Utah | 2 | $ 700,000 | $ 350,000 | $ 234,000 |
| Chelan, Washington | 2 | $ 870,000 | $ 435,000 | $ 194,000 |
| Clark, Washington | 2 | $ 970,000 | $ 485,000 | $ 138,000 |
| Kitsap, Washington | 2 | $ 2,820,000 | $ 1,410,000 | $ 298,000 |
| Madison, Alabama | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Kenai Peninsula, Alaska | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Matanuska-Susitna, Alaska | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Cochise, Arizona | 1 | $ 355,000 | $ 355,000 | $ 81,000 |
| Coconino, Arizona | 1 | $ 455,000 | $ 455,000 | $ 358,000 |
| Pima, Arizona | 1 | $ 1,135,000 | $ 1,135,000 | $ 383,000 |
| Pinal, Arizona | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Baxter, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 159,000 |
| Pulaski, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 225,000 |
| Fresno, California | 1 | $ 505,000 | $ 505,000 | $ 335,000 |
| Marin, California | 1 | $ 1,045,000 | $ 1,045,000 | $ 233,000 |
| Mariposa, California | 1 | $ 905,000 | $ 905,000 | $ 479,000 |
| Mono, California | 1 | $ 535,000 | $ 535,000 | $ 161,000 |
| Nevada, California | 1 | $ 455,000 | $ 455,000 | $ 112,000 |
| Placer, California | 1 | $ 585,000 | $ 585,000 | $ 142,000 |
| Yolo, California | 1 | $ 905,000 | $ 905,000 | $ 734,000 |
| Yuba, California | 1 | $ 785,000 | $ 785,000 | $ 292,000 |
| Eagle, Colorado | 1 | $ 575,000 | $ 575,000 | $ 1,418,000 |
| El Paso, Colorado | 1 | $ 2,165,000 | $ 2,165,000 | $ 605,000 |
| Park, Colorado | 1 | $ 1,175,000 | $ 1,175,000 | $ 821,000 |
| Pueblo, Colorado | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Routt, Colorado | 1 | $ 365,000 | $ 365,000 | $ 288,000 |
| San Miguel, Colorado | 1 | $ 1,655,000 | $ 1,655,000 | $ 559,000 |
| Hartford, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| New Haven, Connecticut | 1 | $ 285,000 | $ 285,000 | $ 123,000 |
| New London, Connecticut | 1 | $ 415,000 | $ 415,000 | $ 104,000 |
| Tolland, Connecticut | 1 | $ 305,000 | $ 305,000 | $ 97,000 |
| New Castle, Delaware | 1 | $ 375,000 | $ 375,000 | $ 160,000 |
| Sussex, Delaware | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Alachua, Florida | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| Duval, Florida | 1 | $ 225,000 | $ 225,000 | $ 252,000 |
| Escambia, Florida | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| Franklin, Florida | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Leon, Florida | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Levy, Florida | 1 | $ 245,000 | $ 245,000 | $ 200,000 |
| Monroe, Florida | 1 | $ 395,000 | $ 395,000 | $ 461,000 |
| Pasco, Florida | 1 | $ 415,000 | $ 415,000 | $ 194,000 |
| Santa Rosa, Florida | 1 | $ 505,000 | $ 505,000 | $ 185,000 |
| St. Johns, Florida | 1 | $ 1,105,000 | $ 1,105,000 | $ 649,000 |
| St. Lucie, Florida | 1 | $ 755,000 | $ 755,000 | $ 236,000 |
| Cobb, Georgia | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Dawson, Georgia | 1 | $ 785,000 | $ 785,000 | $ 250,000 |
| Forsyth, Georgia | 1 | $ 465,000 | $ 465,000 | $ 190,000 |
| Fulton, Georgia | 1 | $ 695,000 | $ 695,000 | $ 288,000 |
| Hall, Georgia | 1 | $ 465,000 | $ 465,000 | $ 170,000 |
| Jackson, Georgia | 1 | $ 635,000 | $ 635,000 | $ 250,000 |
| Oglethorpe, Georgia | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Richmond, Georgia | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Hawaii, Hawaii | 1 | $ 745,000 | $ 745,000 | $ 141,000 |
| Honolulu, Hawaii | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| DuPage, Illinois | 1 | $ 305,000 | $ 305,000 | $ 225,000 |
| Kane, Illinois | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Lake, Illinois | 1 | $ 885,000 | $ 885,000 | $ 242,000 |
| Will, Illinois | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Marion, Indiana | 1 | $ 235,000 | $ 235,000 | $ 175,000 |
| Polk, Iowa | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Douglas, Kansas | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Sumner, Kansas | 1 | $ 175,000 | $ 175,000 | $ 255,000 |
| Boyle, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 160,000 |
| Jefferson, Kentucky | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| De Soto, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Iberia, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Jefferson Davis, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Orleans, Louisiana | 1 | $ 1,285,000 | $ 1,285,000 | $ 2,060,000 |
| Ouachita, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 214,000 |
| Rapides, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| St. Mary, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 157,000 |
| Webster, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Sagadahoc, Maine | 1 | $ 485,000 | $ 485,000 | $ 209,000 |
| Frederick, Maryland | 1 | $ 695,000 | $ 695,000 | $ 435,000 |
| Washington, Maryland | 1 | $ 195,000 | $ 195,000 | $ 400,000 |
| Barnstable, Massachusetts | 1 | $ 585,000 | $ 585,000 | $ 315,000 |
| Berrien, Michigan | 1 | $ 315,000 | $ 315,000 | $ 550,000 |
| Oakland, Michigan | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| St. Louis, Minnesota | 1 | $ 255,000 | $ 255,000 | $ 157,000 |
| Harrison, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| St. Charles, Missouri | 1 | $ 385,000 | $ 385,000 | $ 102,000 |
| St. Louis City, Missouri | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Lyon, Nevada | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Belknap, New Hampshire | 1 | $ 425,000 | $ 425,000 | $ 106,000 |
| Grafton, New Hampshire | 1 | $ 155,000 | $ 155,000 | $ 230,000 |
| Merrimack, New Hampshire | 1 | $ 385,000 | $ 385,000 | $ 129,000 |
| Strafford, New Hampshire | 1 | $ 325,000 | $ 325,000 | $ 267,000 |
| Camden, New Jersey | 1 | $ 115,000 | $ 115,000 | $ 291,000 |
| Essex, New Jersey | 1 | $ 1,625,000 | $ 1,625,000 | $ 531,000 |
| Middlesex, New Jersey | 1 | $ 585,000 | $ 585,000 | $ 183,000 |
| Bernalillo, New Mexico | 1 | $ 335,000 | $ 335,000 | $ 226,000 |
| Santa Fe, New Mexico | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Essex, New York | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Greene, New York | 1 | $ 485,000 | $ 485,000 | $ 382,000 |
| Saratoga, New York | 1 | $ 565,000 | $ 565,000 | $ 125,000 |
| Avery, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Buncombe, North Carolina | 1 | $ 535,000 | $ 535,000 | $ 493,000 |
| Cabarrus, North Carolina | 1 | $ 845,000 | $ 845,000 | $ 179,000 |
| Carteret, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 312,000 |
| Cleveland, North Carolina | 1 | $ 1,075,000 | $ 1,075,000 | $ 257,000 |
| Hoke, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Macon, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Wake, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 213,000 |
| Watauga, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 272,000 |
| Licking, Ohio | 1 | $ 325,000 | $ 325,000 | $ 154,000 |
| Canadian, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Latimer, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Logan, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 146,000 |
| Marshall, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 209,000 |
| McClain, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Clackamas, Oregon | 1 | $ 865,000 | $ 865,000 | $ 198,000 |
| Clatsop, Oregon | 1 | $ 385,000 | $ 385,000 | $ 176,000 |
| Josephine, Oregon | 1 | $ 535,000 | $ 535,000 | $ 154,000 |
| Umatilla, Oregon | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Union, Oregon | 1 | $ 735,000 | $ 735,000 | $ 158,000 |
| Washington, Oregon | 1 | $ 2,455,000 | $ 2,455,000 | $ 718,000 |
| Adams, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Allegheny, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 269,000 |
| Washington, Rhode Island | 1 | $ 545,000 | $ 545,000 | $ 322,000 |
| Aiken, South Carolina | 1 | $ 605,000 | $ 605,000 | $ 197,000 |
| Richland, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Bexar, Texas | 1 | $ 1,095,000 | $ 1,095,000 | $ 423,000 |
| Franklin, Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Guadalupe, Texas | 1 | $ 95,000 | $ 95,000 | $ 197,000 |
| Jack, Texas | 1 | $ 315,000 | $ 315,000 | $ 733,000 |
| Jefferson, Texas | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Johnson, Texas | 1 | $ 125,000 | $ 125,000 | $ 135,000 |
| Kendall, Texas | 1 | $ 715,000 | $ 715,000 | $ 202,000 |
| Midland, Texas | 1 | $ 295,000 | $ 295,000 | $ 128,000 |
| Morris, Texas | 1 | $ 245,000 | $ 245,000 | $ 265,000 |
| Parker, Texas | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| San Jacinto, Texas | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Smith, Texas | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Trinity, Texas | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| Van Zandt, Texas | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Iron, Utah | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Rich, Utah | 1 | $ 645,000 | $ 645,000 | $ 360,000 |
| Utah, Utah | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Wasatch, Utah | 1 | $ 455,000 | $ 455,000 | $ 81,000 |
| Arlington, Virginia | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Chesapeake, Virginia | 1 | $ 385,000 | $ 385,000 | $ 141,000 |
| Loudoun, Virginia | 1 | $ 2,405,000 | $ 2,405,000 | $ 4,723,000 |
| Grant, Washington | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| Island, Washington | 1 | $ 555,000 | $ 555,000 | $ 160,000 |
| Kittitas, Washington | 1 | $ 385,000 | $ 385,000 | $ 153,000 |
| San Juan, Washington | 1 | $ 525,000 | $ 525,000 | $ 113,000 |
| Spokane, Washington | 1 | $ 585,000 | $ 585,000 | $ 227,000 |
| Stevens, Washington | 1 | $ 495,000 | $ 495,000 | $ 136,000 |
| Thurston, Washington | 1 | $ 665,000 | $ 665,000 | $ 172,000 |
| Whatcom, Washington | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Sauk, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Sheboygan, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 229,000 |
| Walworth, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 195,000 |
| Washington, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Winnebago, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Advancial Federal 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 | 687 | $349,905,000 | $509,000 | $4,305,000 | $255,000 | $3,760,000 |
| Cash-out Refinancing | 161 | $100,035,000 | $621,000 | $5,005,000 | $331,000 | $4,723,000 |
| Home Improvement | 56 | $3,570,000 | $63,000 | $315,000 | $140,000 | $733,000 |
| Refinancing | 56 | $23,450,000 | $418,000 | $3,055,000 | $228,000 | $911,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 571 | $284,255,000 | $497,000 | $4,305,000 | $268,000 | $4,723,000 |
| Not Provided | 208 | $114,400,000 | $550,000 | $5,005,000 | $262,000 | $3,760,000 |
| Hispanic | 68 | $26,680,000 | $392,000 | $2,005,000 | $246,000 | $2,867,000 |
| Asian | 64 | $37,320,000 | $583,000 | $2,005,000 | $271,000 | $1,271,000 |
| Black or African American | 47 | $13,925,000 | $296,000 | $1,415,000 | $162,000 | $816,000 |
| American Indian or Alaskan Native | 2 | $380,000 | $190,000 | $315,000 | $95,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 960 | $476,960,000 | $496,000 | $5,005,000 | $259,000 | $4,723,000 |
| 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 | 781 | $398,405,000 | $510,000 | $5,005,000 | $260,000 | $4,723,000 |
| Application Withdrawn By Applicant | 109 | $57,945,000 | $531,000 | $4,305,000 | $326,000 | $3,760,000 |
| Application Denied By Financial Institution | 57 | $19,085,000 | $334,000 | $2,705,000 | $155,000 | $876,000 |
| Application Approved But Not Accepted | 12 | $1,170,000 | $97,000 | $265,000 | $130,000 | $221,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $352,000 | $352,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 903 | $457,875,000 | $507,000 | $5,005,000 | $266,000 | $4,723,000 |
| Debt-To-Income Ratio | 18 | $3,450,000 | $191,000 | $605,000 | $82,000 | $274,000 |
| Credit History | 13 | $6,985,000 | $537,000 | $2,705,000 | $217,000 | $876,000 |
| Collateral | 10 | $2,480,000 | $248,000 | $1,405,000 | $144,000 | $312,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,885,000 | $269,000 | $715,000 | $174,000 | $260,000 |
| Other | 6 | $2,430,000 | $405,000 | $1,015,000 | $231,000 | $529,000 |
| Employment History | 3 | $1,855,000 | $618,000 | $1,175,000 | $174,000 | $300,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Advancial Federal 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 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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