Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Advancial Federal Credit Union of Dallas, TX reported 1,240 mortgage applications totaling $400.2 million, down 3% from 2013. The average application was for $322,710, and applicants reported an average income of $218,518. 79% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (143), Dallas-Plano-Irving, TX (133) and Lafayette, LA (67) (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 | 1,240 |
| Total Mortgage Loan Application Amount | $400,161,000 |
| Average Mortgage Loan Application Amount | $322,710 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $218,518 |
| Highest Applicant Income | $2,481,000 |
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records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 143 | $ 40,172,000 | $ 280,923 | $ 192,000 |
| Dallas-Plano-Irving, TX | 133 | $ 24,679,000 | $ 185,556 | $ 135,000 |
| Lafayette, LA | 67 | $ 8,251,000 | $ 123,149 | $ 95,000 |
| Phoenix-Mesa-Scottsdale, AZ | 46 | $ 13,209,000 | $ 287,152 | $ 230,000 |
| New York-Jersey City-White Plains, NY-NJ | 43 | $ 19,788,000 | $ 460,186 | $ 223,604 |
| San Diego-Carlsbad, CA | 41 | $ 16,251,000 | $ 396,365 | $ 348,000 |
| Chicago-Naperville-Arlington Heights, IL | 35 | $ 14,708,000 | $ 420,228 | $ 382,000 |
| Los Angeles-Long Beach-Glendale, CA | 35 | $ 26,741,000 | $ 764,028 | $ 376,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 5,876,000 | $ 217,629 | $ 181,000 |
| Anchorage, AK | 20 | $ 5,263,000 | $ 263,150 | $ 158,000 |
| Oakland-Hayward-Berkeley, CA | 20 | $ 6,942,000 | $ 347,100 | $ 226,000 |
| Oklahoma City, OK | 19 | $ 3,244,000 | $ 170,736 | $ 122,000 |
| Fort Worth-Arlington, TX | 18 | $ 5,724,000 | $ 318,000 | $ 180,000 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 9,736,000 | $ 572,705 | $ 390,000 |
| Austin-Round Rock, TX | 17 | $ 5,852,000 | $ 344,235 | $ 217,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 11,129,000 | $ 654,647 | $ 328,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 7,608,000 | $ 475,500 | $ 279,000 |
| Las Vegas-Henderson-Paradise, NV | 16 | $ 5,569,000 | $ 348,062 | $ 214,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 6,582,000 | $ 411,375 | $ 185,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 5,340,000 | $ 356,000 | $ 218,000 |
| Denver-Aurora-Lakewood, CO | 14 | $ 8,067,000 | $ 576,214 | $ 337,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 3,447,000 | $ 246,214 | $ 165,000 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 3,478,000 | $ 267,538 | $ 187,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 2,769,000 | $ 213,000 | $ 119,769 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 3,035,000 | $ 252,916 | $ 241,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 5,797,000 | $ 483,083 | $ 370,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 3,093,000 | $ 281,181 | $ 366,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 8,056,000 | $ 732,363 | $ 267,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 1,200,000 | $ 133,333 | $ 198,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 3,023,000 | $ 335,888 | $ 297,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 6,774,000 | $ 752,666 | $ 329,333 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 4,800,000 | $ 533,333 | $ 223,666 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 2,901,000 | $ 322,333 | $ 182,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 3,248,000 | $ 406,000 | $ 227,000 |
| Fort Collins, CO | 8 | $ 1,386,000 | $ 173,250 | $ 134,000 |
| Boston, MA | 7 | $ 2,776,000 | $ 396,571 | $ 204,000 |
| Newark, NJ-PA | 7 | $ 4,369,000 | $ 624,142 | $ 248,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,412,000 | $ 201,714 | $ 145,000 |
| Tucson, AZ | 7 | $ 1,860,000 | $ 265,714 | $ 217,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,060,000 | $ 176,666 | $ 228,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 2,488,000 | $ 414,666 | $ 158,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,145,000 | $ 229,000 | $ 259,000 |
| Lakeland-Winter Haven, FL | 5 | $ 920,000 | $ 184,000 | $ 125,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,441,000 | $ 488,200 | $ 194,000 |
| San Rafael, CA | 5 | $ 2,752,000 | $ 550,400 | $ 181,000 |
| Santa Rosa, CA | 5 | $ 2,943,000 | $ 588,600 | $ 208,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,180,000 | $ 295,000 | $ 174,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,563,000 | $ 390,750 | $ 234,000 |
| Flagstaff, AZ | 4 | $ 1,047,000 | $ 261,750 | $ 169,000 |
| Jacksonville, FL | 4 | $ 593,000 | $ 148,250 | $ 191,000 |
| Jacksonville, NC | 4 | $ 408,000 | $ 102,000 | $ 150,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,064,000 | $ 266,000 | $ 277,000 |
| Nassau County-Suffolk County, NY | 4 | $ 2,627,000 | $ 656,750 | $ 206,000 |
| St. George, UT | 4 | $ 986,000 | $ 246,500 | $ 167,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,283,000 | $ 427,666 | $ 204,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 895,000 | $ 298,333 | $ 210,000 |
| Panama City, FL | 3 | $ 449,000 | $ 149,666 | $ 238,000 |
| Philadelphia, PA | 3 | $ 1,384,000 | $ 461,333 | $ 136,000 |
| Salisbury, MD-DE | 3 | $ 706,000 | $ 235,333 | $ 100,000 |
| Savannah, GA | 3 | $ 583,000 | $ 194,333 | $ 253,000 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 1,887,000 | $ 629,000 | $ 276,000 |
| Tyler, TX | 3 | $ 793,000 | $ 264,333 | $ 169,000 |
| Wilmington, NC | 3 | $ 684,000 | $ 228,000 | $ 227,000 |
| Bend-Redmond, OR | 2 | $ 523,000 | $ 261,500 | $ 132,000 |
| Boise City, ID | 2 | $ 685,000 | $ 342,500 | $ 140,000 |
| Boulder, CO | 2 | $ 409,000 | $ 204,500 | $ 106,000 |
| Brownsville-Harlingen, TX | 2 | $ 412,000 | $ 206,000 | $ 339,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 302,000 | $ 151,000 | $ 213,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 2,188,000 | $ 1,094,000 | $ 376,000 |
| Charleston-North Charleston, SC | 2 | $ 766,000 | $ 383,000 | $ 101,000 |
| College Station-Bryan, TX | 2 | $ 684,000 | $ 342,000 | $ 138,000 |
| Colorado Springs, CO | 2 | $ 227,000 | $ 113,500 | $ 218,000 |
| Columbus, OH | 2 | $ 569,000 | $ 284,500 | $ 594,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 769,000 | $ 384,500 | $ 173,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 1,299,000 | $ 649,500 | $ 226,000 |
| Madison, WI | 2 | $ 389,000 | $ 194,500 | $ 95,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 520,000 | $ 260,000 | $ 137,000 |
| Napa, CA | 2 | $ 364,000 | $ 182,000 | $ 82,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 416,000 | $ 208,000 | $ 105,000 |
| Punta Gorda, FL | 2 | $ 305,000 | $ 152,500 | $ 164,000 |
| Salt Lake City, UT | 2 | $ 462,000 | $ 231,000 | $ 104,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 544,000 | $ 272,000 | $ 376,000 |
| Santa Fe, NM | 2 | $ 312,000 | $ 156,000 | $ 117,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,200,000 | $ 600,000 | $ 1,015,000 |
| Sebastian-Vero Beach, FL | 2 | $ 457,000 | $ 228,500 | $ 195,000 |
| Sherman-Denison, TX | 2 | $ 119,000 | $ 59,500 | $ 54,000 |
| St. Louis, MO-IL | 2 | $ 1,004,000 | $ 502,000 | $ 107,000 |
| Visalia-Porterville, CA | 2 | $ 293,000 | $ 146,500 | $ 47,000 |
| Abilene, TX | 1 | $ 109,000 | $ 109,000 | $ 101,000 |
| Asheville, NC | 1 | $ 250,000 | $ 250,000 | $ 156,000 |
| Baton Rouge, LA | 1 | $ 99,000 | $ 99,000 | $ 25,000 |
| Birmingham-Hoover, AL | 1 | $ 80,000 | $ 80,000 | $ 37,000 |
| Bremerton-Silverdale, WA | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Camden, NJ | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Chattanooga, TN-GA | 1 | $ 320,000 | $ 320,000 | $ 379,000 |
| Cincinnati, OH-KY-IN | 1 | $ 524,000 | $ 524,000 | $ 477,000 |
| Cleveland-Elyria, OH | 1 | $ 108,000 | $ 108,000 | $ 269,000 |
| Durham-Chapel Hill, NC | 1 | $ 183,000 | $ 183,000 | $ 150,000 |
| Elgin, IL | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Evansville, IN-KY | 1 | $ 160,000 | $ 160,000 | $ 188,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 73,000 | $ 73,000 | $ 38,000 |
| Gainesville, FL | 1 | $ 128,000 | $ 128,000 | $ 194,000 |
| Gary, IN | 1 | $ 251,000 | $ 251,000 | $ 162,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 64,000 | $ 64,000 | $ 1,048,000 |
| Great Falls, MT | 1 | $ 300,000 | $ 300,000 | $ 127,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 157,000 | $ 157,000 | $ 204,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 209,000 | $ 209,000 | $ 106,000 |
| Harrisburg-Carlisle, PA | 1 | $ 327,000 | $ 327,000 | $ 95,000 |
| Harrisonburg, VA | 1 | $ 123,000 | $ 123,000 | $ 122,000 |
| Hattiesburg, MS | 1 | $ 166,000 | $ 166,000 | $ 71,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 243,000 | $ 243,000 | $ 84,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 795,000 | $ 795,000 | $ 188,000 |
| Killeen-Temple, TX | 1 | $ 200,000 | $ 200,000 | $ 157,000 |
| Lake Charles, LA | 1 | $ 132,000 | $ 132,000 | $ 137,000 |
| Lynchburg, VA | 1 | $ 84,000 | $ 84,000 | $ 138,000 |
| Madera, CA | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Memphis, TN-MS-AR | 1 | $ 280,000 | $ 280,000 | $ 127,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 231,000 | $ 231,000 | $ 110,000 |
| New Orleans-Metairie, LA | 1 | $ 202,000 | $ 202,000 | $ 125,000 |
| Ocean City, NJ | 1 | $ 900,000 | $ 900,000 | $ 260,000 |
| Olympia-Tumwater, WA | 1 | $ 114,000 | $ 114,000 | $ 29,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 467,000 | $ 467,000 | $ 350,000 |
| Pittsburgh, PA | 1 | $ 760,000 | $ 760,000 | $ 279,000 |
| Port St. Lucie, FL | 1 | $ 150,000 | $ 150,000 | $ 204,000 |
| Prescott, AZ | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Provo-Orem, UT | 1 | $ 131,000 | $ 131,000 | $ 120,000 |
| Raleigh, NC | 1 | $ 299,000 | $ 299,000 | $ 65,000 |
| Richmond, VA | 1 | $ 262,000 | $ 262,000 | $ 145,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Tacoma-Lakewood, WA | 1 | $ 121,000 | $ 121,000 | $ 187,000 |
| Tulsa, OK | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Wichita, KS | 1 | $ 49,000 | $ 49,000 | $ 75,000 |
| Worcester, MA-CT | 1 | $ 371,000 | $ 371,000 | $ 194,000 |
Mortgage Loan Application Detail Totals for Advancial Federal Credit Union in 2014
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 | 793 | $270,300,000 | $340,000 | $3,000,000 | $222,000 | $2,481,000 |
| Refinancing | 384 | $127,270,000 | $331,000 | $2,030,000 | $227,000 | $2,205,000 |
| Home Improvement | 63 | $2,591,000 | $41,000 | $100,000 | $123,000 | $312,000 |
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 | 748 | $267,092,000 | $357,000 | $3,000,000 | $229,000 | $2,205,000 |
| Not Provided | 321 | $84,814,000 | $264,000 | $1,565,000 | $207,000 | $2,481,000 |
| Asian | 88 | $26,352,000 | $299,000 | $1,513,000 | $197,000 | $1,000,000 |
| Hispanic | 47 | $15,768,000 | $335,000 | $1,500,000 | $194,000 | $566,000 |
| Black or African American | 26 | $4,261,000 | $163,000 | $580,000 | $178,000 | $866,000 |
| American Indian or Alaskan Native | 6 | $1,032,000 | $172,000 | $275,000 | $128,000 | $187,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $842,000 | $210,000 | $227,000 | $306,000 | $452,000 |
| 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) | 1,240 | $400,161,000 | $322,000 | $3,000,000 | $218,000 | $2,481,000 |
| 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 | 974 | $317,750,000 | $326,000 | $2,750,000 | $220,000 | $2,098,000 |
| Application Denied By Financial Institution | 111 | $32,961,000 | $296,000 | $2,009,000 | $182,000 | $2,205,000 |
| Application Withdrawn By Applicant | 111 | $42,740,000 | $385,000 | $3,000,000 | $267,000 | $2,481,000 |
| Application Approved But Not Accepted | 34 | $4,896,000 | $144,000 | $1,320,000 | $142,000 | $775,000 |
| File Closed For Incompleteness | 8 | $1,619,000 | $202,000 | $601,000 | $229,000 | $1,048,000 |
| Preapproval Denied by Financial Institution | 2 | $195,000 | $97,000 | $105,000 | $39,000 | $50,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 20 | $2,709,000 | $135,000 | $515,000 | $111,000 | $261,000 |
| Other | 9 | $1,957,000 | $217,000 | $543,000 | $357,000 | $2,205,000 |
| Collateral | 5 | $821,000 | $164,000 | $364,000 | $124,000 | $313,000 |
| Debt-To-Income Ratio | 4 | $443,000 | $110,000 | $189,000 | $62,000 | $81,000 |
| Unverifiable Information | 3 | $1,082,000 | $360,000 | $675,000 | $213,000 | $447,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $465,000 | $232,000 | $240,000 | $263,000 | $303,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Advancial Federal Credit Union's 2014 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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