Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Advancial Federal Credit Union of Dallas, TX reported 1,456 mortgage applications totaling $366.5 million, up 36% from 2011. The average application was for $251,711, and applicants reported an average income of $193,651. 65% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Dallas-Plano-Irving, TX (374), Houston-Sugar Land-Baytown, TX (245) and Lafayette, LA (122) (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 | 1,456 |
| Total Mortgage Loan Application Amount | $366,492,000 |
| Average Mortgage Loan Application Amount | $251,711 |
| Highest Mortgage Loan Application Amount | $2,790,000 |
| Average Applicant Income | $193,651 |
| Highest Applicant Income | $4,550,000 |
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records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 374 | $ 68,003,000 | $ 181,826 | $ 131,000 |
| Houston-Sugar Land-Baytown, TX | 245 | $ 61,364,000 | $ 250,465 | $ 188,000 |
| Lafayette, LA | 122 | $ 15,292,000 | $ 125,344 | $ 101,000 |
| Oklahoma City, OK | 75 | $ 12,967,000 | $ 172,893 | $ 141,000 |
| Anchorage, AK | 67 | $ 15,791,000 | $ 235,686 | $ 144,000 |
| Fort Worth-Arlington, TX | 44 | $ 14,321,000 | $ 325,477 | $ 219,000 |
| Phoenix-Mesa-Glendale, AZ | 32 | $ 22,720,000 | $ 710,000 | $ 400,000 |
| Denver-Aurora-Broomfield, CO | 19 | $ 6,389,000 | $ 336,263 | $ 163,000 |
| New York-White Plains-Wayne, NY-NJ | 19 | $ 10,900,000 | $ 573,684 | $ 316,210 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 8,495,000 | $ 471,944 | $ 452,000 |
| Austin-Round Rock-San Marcos, TX | 13 | $ 5,466,000 | $ 420,461 | $ 261,000 |
| Atlanta-Sandy Springs-Marietta, GA | 11 | $ 4,008,000 | $ 364,363 | $ 435,000 |
| Chicago-Joliet-Naperville, IL | 11 | $ 4,764,000 | $ 433,090 | $ 187,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 3,491,000 | $ 349,100 | $ 768,000 |
| Baton Rouge, LA | 8 | $ 1,559,000 | $ 194,875 | $ 127,000 |
| Las Vegas-Paradise, NV | 8 | $ 4,133,000 | $ 516,625 | $ 542,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 3,879,000 | $ 484,875 | $ 358,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,683,000 | $ 240,428 | $ 217,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 2,288,000 | $ 326,857 | $ 216,000 |
| Tucson, AZ | 7 | $ 1,741,000 | $ 248,714 | $ 133,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 6 | $ 579,000 | $ 96,500 | $ 136,000 |
| Salt Lake City, UT | 6 | $ 1,924,000 | $ 320,666 | $ 418,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 914,000 | $ 182,800 | $ 118,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 6,149,000 | $ 1,229,800 | $ 498,000 |
| Asheville, NC | 4 | $ 1,807,000 | $ 451,750 | $ 325,000 |
| College Station-Bryan, TX | 4 | $ 474,000 | $ 118,500 | $ 286,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,211,000 | $ 302,750 | $ 222,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,840,000 | $ 460,000 | $ 403,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,274,000 | $ 318,500 | $ 280,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,491,000 | $ 372,750 | $ 149,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 2,103,000 | $ 701,000 | $ 187,000 |
| Napa, CA | 3 | $ 1,099,000 | $ 366,333 | $ 579,000 |
| Nassau-Suffolk, NY | 3 | $ 678,000 | $ 226,000 | $ 158,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,544,000 | $ 514,666 | $ 295,000 |
| Sherman-Denison, TX | 3 | $ 521,000 | $ 173,666 | $ 218,000 |
| Tyler, TX | 3 | $ 455,000 | $ 151,666 | $ 853,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 819,000 | $ 273,000 | $ 202,000 |
| Barnstable Town, MA | 2 | $ 419,000 | $ 209,500 | $ 158,000 |
| Brownsville-Harlingen, TX | 2 | $ 210,000 | $ 105,000 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Columbus, OH | 2 | $ 347,000 | $ 173,500 | $ 101,000 |
| Corpus Christi, TX | 2 | $ 480,000 | $ 240,000 | $ 320,000 |
| Fort Collins-Loveland, CO | 2 | $ 461,000 | $ 230,500 | $ 108,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,378,000 | $ 689,000 | $ 2,467,000 |
| Honolulu, HI | 2 | $ 1,014,000 | $ 507,000 | $ 515,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 1,090,000 | $ 545,000 | $ 274,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 312,000 | $ 156,000 | $ 195,000 |
| Longview, TX | 2 | $ 163,000 | $ 81,500 | $ 84,000 |
| Midland, TX | 2 | $ 322,000 | $ 161,000 | $ 89,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 506,000 | $ 253,000 | $ 127,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 828,000 | $ 414,000 | $ 267,000 |
| Newark-Union, NJ-PA | 2 | $ 1,069,000 | $ 534,500 | $ 202,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 328,000 | $ 164,000 | $ 185,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 460,000 | $ 230,000 | $ 86,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 212,000 | $ 106,000 | $ 122,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 625,000 | $ 312,500 | $ 236,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,438,000 | $ 719,000 | $ 285,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,411,000 | $ 705,500 | $ 286,000 |
| Shreveport-Bossier City, LA | 2 | $ 375,000 | $ 187,500 | $ 92,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 317,000 | $ 158,500 | $ 126,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 609,000 | $ 304,500 | $ 157,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Bakersfield-Delano, CA | 1 | $ 175,000 | $ 175,000 | $ 180,000 |
| Boise City-Nampa, ID | 1 | $ 180,000 | $ 180,000 | $ 185,000 |
| Boston-Quincy, MA | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Bremerton-Silverdale, WA | 1 | $ 302,000 | $ 302,000 | $ 160,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 158,000 | $ 158,000 | $ 320,000 |
| Canton-Massillon, OH | 1 | $ 109,000 | $ 109,000 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 426,000 | $ 426,000 | $ 368,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 122,000 | $ 122,000 | $ 185,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 222,000 | $ 222,000 | $ 77,000 |
| Columbia, SC | 1 | $ 206,000 | $ 206,000 | $ 109,000 |
| El Paso, TX | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Gulfport-Biloxi, MS | 1 | $ 58,000 | $ 58,000 | $ 108,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 108,000 | $ 108,000 | $ 124,000 |
| Hot Springs, AR | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Indianapolis-Carmel, IN | 1 | $ 120,000 | $ 120,000 | $ 133,000 |
| Kalamazoo-Portage, MI | 1 | $ 192,000 | $ 192,000 | $ 86,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 166,000 | $ 166,000 | $ 72,000 |
| Lake Charles, LA | 1 | $ 296,000 | $ 296,000 | $ 132,000 |
| Lubbock, TX | 1 | $ 86,000 | $ 86,000 | $ 79,000 |
| Madison, WI | 1 | $ 280,000 | $ 280,000 | $ 98,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Memphis, TN-MS-AR | 1 | $ 136,000 | $ 136,000 | $ 185,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Monroe, LA | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 937,000 | $ 937,000 | $ 654,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Niles-Benton Harbor, MI | 1 | $ 1,252,000 | $ 1,252,000 | $ 874,000 |
| Norwich-New London, CT | 1 | $ 385,000 | $ 385,000 | $ 483,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 194,000 | $ 194,000 | $ 253,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 72,000 | $ 72,000 | $ 136,000 |
| Port St. Lucie, FL | 1 | $ 96,000 | $ 96,000 | $ 1,096,000 |
| Prescott, AZ | 1 | $ 682,000 | $ 682,000 | $ 158,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Rapid City, SD | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
| Santa Fe, NM | 1 | $ 343,000 | $ 343,000 | $ 216,000 |
| Savannah, GA | 1 | $ 168,000 | $ 168,000 | $ 231,000 |
| Topeka, KS | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Trenton-Ewing, NJ | 1 | $ 183,000 | $ 183,000 | $ 55,000 |
| Visalia-Porterville, CA | 1 | $ 330,000 | $ 330,000 | $ 874,000 |
Mortgage Loan Application Detail Totals for Advancial Federal 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 Federal 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 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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