Advancial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Advancial Credit Union 2016 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 | 1,318 |
| Total Mortgage Loan Application Amount | $431,835,000 |
| Average Mortgage Loan Application Amount | $240,000 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $186,333 |
| Highest Applicant Income | $2,967,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 231 | $ 55,291,000 | $ 239,000 | $ 149,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 162 | $ 45,339,000 | $ 279,000 | $ 190,000 |
| LAFAYETTE, LA | 90 | $ 12,602,000 | $ 140,000 | $ 91,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 42 | $ 22,080,000 | $ 514,000 | $ 338,500 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 40 | $ 37,943,000 | $ 948,000 | $ 579,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 33 | $ 10,804,000 | $ 327,000 | $ 249,000 |
| ANCHORAGE, AK | 32 | $ 8,900,000 | $ 278,000 | $ 153,000 |
| FORT WORTH-ARLINGTON, TX | 32 | $ 7,773,000 | $ 242,000 | $ 154,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 30 | $ 5,627,000 | $ 187,000 | $ 228,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 30 | $ 7,732,000 | $ 257,000 | $ 164,000 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 25 | $ 10,641,000 | $ 425,000 | $ 328,000 |
| AUSTIN-ROUND ROCK, TX | 24 | $ 6,897,000 | $ 287,000 | $ 185,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 24 | $ 19,390,000 | $ 807,000 | $ 393,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 23 | $ 5,048,000 | $ 219,000 | $ 191,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 23 | $ 16,633,000 | $ 723,000 | $ 240,000 |
| LAKELAND-WINTER HAVEN, FL | 22 | $ 2,583,000 | $ 117,000 | $ 152,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 20 | $ 4,503,000 | $ 225,000 | $ 160,000 |
| SAN DIEGO-CARLSBAD, CA | 19 | $ 6,001,000 | $ 315,000 | $ 173,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 18 | $ 4,968,000 | $ 276,000 | $ 160,000 |
| OKLAHOMA CITY, OK | 17 | $ 3,730,000 | $ 219,000 | $ 143,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 16 | $ 4,232,000 | $ 264,000 | $ 140,000 |
| DENVER-AURORA-LAKEWOOD, CO | 12 | $ 4,217,000 | $ 351,000 | $ 162,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 10 | $ 7,720,000 | $ 772,000 | $ 385,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 10 | $ 5,388,000 | $ 538,000 | $ 222,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 9 | $ 2,055,000 | $ 172,000 | $ 103,500 |
| SEATTLE-BELLEVUE-EVERETT, WA | 9 | $ 4,164,000 | $ 462,000 | $ 239,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 8 | $ 3,435,000 | $ 429,000 | $ 386,000 |
| NEWARK, NJ-PA | 8 | $ 5,341,000 | $ 667,000 | $ 295,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 8 | $ 3,543,000 | $ 442,500 | $ 212,500 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 7 | $ 2,567,000 | $ 366,000 | $ 386,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 6 | $ 4,568,000 | $ 761,000 | $ 486,000 |
| NEW ORLEANS-METAIRIE, LA | 6 | $ 1,149,000 | $ 191,000 | $ 114,000 |
| PHILADELPHIA, PA | 6 | $ 1,064,000 | $ 177,000 | $ 91,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 6 | $ 2,161,000 | $ 360,000 | $ 180,000 |
| JACKSONVILLE, FL | 5 | $ 1,830,000 | $ 366,000 | $ 280,000 |
| RALEIGH, NC | 5 | $ 1,815,000 | $ 363,000 | $ 300,000 |
| SANTA MARIA-SANTA BARBARA, CA | 5 | $ 3,642,000 | $ 728,000 | $ 362,000 |
| ST. LOUIS, MO-IL | 5 | $ 1,948,000 | $ 270,500 | $ 188,500 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 4 | $ 1,363,000 | $ 340,000 | $ 126,000 |
| EVANSVILLE, IN-KY | 4 | $ 967,000 | $ 241,000 | $ 162,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 4 | $ 1,591,000 | $ 397,000 | $ 170,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 4 | $ 3,444,000 | $ 861,000 | $ 285,000 |
| PROVO-OREM, UT | 4 | $ 1,076,000 | $ 269,000 | $ 106,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 4 | $ 942,000 | $ 235,000 | $ 77,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 4 | $ 629,000 | $ 157,000 | $ 142,000 |
| SANTA FE, NM | 4 | $ 427,000 | $ 106,000 | $ 97,000 |
| BOSTON, MA | 3 | $ 1,168,000 | $ 389,000 | $ 139,000 |
| BOULDER, CO | 3 | $ 2,491,000 | $ 830,000 | $ 199,000 |
| COLORADO SPRINGS, CO | 3 | $ 912,000 | $ 304,000 | $ 91,000 |
| FORT COLLINS, CO | 3 | $ 659,000 | $ 219,000 | $ 259,000 |
| MIDLAND, TX | 3 | $ 502,000 | $ 167,000 | $ 107,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 3 | $ 688,000 | $ 229,000 | $ 278,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 3 | $ 483,000 | $ 161,000 | $ 114,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 3 | $ 1,163,000 | $ 387,000 | $ 131,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 3 | $ 456,000 | $ 158,000 | $ 84,000 |
| NAPA, CA | 3 | $ 1,125,000 | $ 375,000 | $ 258,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 3 | $ 518,000 | $ 172,000 | $ 116,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 3 | $ 699,000 | $ 233,000 | $ 422,000 |
| SALT LAKE CITY, UT | 3 | $ 869,000 | $ 289,000 | $ 94,000 |
| SAN RAFAEL, CA | 3 | $ 3,631,000 | $ 1,210,000 | $ 645,000 |
| TUCSON, AZ | 3 | $ 982,000 | $ 327,000 | $ 219,000 |
| WILMINGTON, NC | 3 | $ 546,000 | $ 182,000 | $ 136,000 |
| ASHEVILLE, NC | 2 | $ 642,000 | $ 321,000 | $ 175,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 2 | $ 565,000 | $ 282,500 | $ 160,500 |
| CLEVELAND-ELYRIA, OH | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| CORVALLIS, OR | 2 | $ 195,000 | $ 97,000 | $ 121,000 |
| DURHAM-CHAPEL HILL, NC | 2 | $ 519,000 | $ 259,000 | $ 76,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 2 | $ 561,000 | $ 280,000 | $ 147,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 2 | $ 652,000 | $ 326,000 | $ 135,000 |
| KNOXVILLE, TN | 2 | $ 518,000 | $ 259,000 | $ 95,000 |
| MCALLEN-EDINBURG-MISSION, TX | 2 | $ 204,000 | $ 102,000 | $ 68,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| PANAMA CITY, FL | 2 | $ 288,000 | $ 144,000 | $ 103,000 |
| PORT ST. LUCIE, FL | 2 | $ 1,880,000 | $ 940,000 | $ 314,000 |
| SEBRING, FL | 2 | $ 278,000 | $ 139,000 | $ 265,000 |
| ST. GEORGE, UT | 2 | $ 635,000 | $ 317,000 | $ 229,000 |
| TULSA, OK | 2 | $ 490,000 | $ 245,000 | $ 125,000 |
| TYLER, TX | 2 | $ 359,000 | $ 179,000 | $ 150,000 |
| URBAN HONOLULU, HI | 2 | $ 1,325,000 | $ 662,000 | $ 343,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1 | $ 255,000 | $ 255,000 | $ 206,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1 | $ 385,000 | $ 385,000 | $ 121,000 |
| BARNSTABLE TOWN, MA | 1 | $ 391,000 | $ 391,000 | $ 506,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 162,000 | $ 162,000 | $ 63,000 |
| BOISE CITY, ID | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 107,000 | $ 107,000 | $ 186,000 |
| CAPE CORAL-FORT MYERS, FL | 1 | $ 376,000 | $ 376,000 | $ 95,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 650,000 | $ 650,000 | $ 208,000 |
| CLARKSVILLE, TN-KY | 1 | $ 156,000 | $ 156,000 | $ 140,000 |
| COLLEGE STATION-BRYAN, TX | 1 | $ 100,000 | $ 100,000 | $ 135,000 |
| COLUMBUS, OH | 1 | $ 144,000 | $ 144,000 | $ 123,000 |
| ELGIN, IL | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| FORT SMITH, AR-OK | 1 | $ 166,000 | $ 166,000 | $ 141,000 |
| GAINESVILLE, FL | 1 | $ 103,000 | $ 103,000 | $ 116,000 |
| GREELEY, CO | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 1 | $ 230,000 | $ 230,000 | $ 61,000 |
| HOUMA-THIBODAUX, LA | 1 | $ 245,000 | $ 245,000 | $ 173,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| KAHULUI-WAILUKU-LAHAINA, HI | 1 | $ 346,000 | $ 346,000 | $ 545,000 |
| LAKE CHARLES, LA | 1 | $ 91,000 | $ 91,000 | $ 89,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| OCALA, FL | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| PITTSBURGH, PA | 1 | $ 120,000 | $ 120,000 | $ 123,000 |
| PITTSFIELD, MA | 1 | $ 706,000 | $ 706,000 | $ 515,000 |
| PRESCOTT, AZ | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| PROVIDENCE-WARWICK, RI-MA | 1 | $ 153,000 | $ 153,000 | $ 116,000 |
| RICHMOND, VA | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| SALINAS, CA | 1 | $ 1,800,000 | $ 1,800,000 | $ 800,000 |
| SALISBURY, MD-DE | 1 | $ 580,000 | $ 580,000 | $ 345,000 |
| SANTA CRUZ-WATSONVILLE, CA | 1 | $ 139,000 | $ 139,000 | $ 158,000 |
| SANTA ROSA, CA | 1 | $ 110,000 | $ 110,000 | $ 109,000 |
| SAVANNAH, GA | 1 | $ 127,000 | $ 127,000 | $ 191,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 126,000 | $ 126,000 | $ 80,000 |
| SHERMAN-DENISON, TX | 1 | $ 72,000 | $ 72,000 | $ 99,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 5,000 | $ 5,000 | $ 14,000 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| STATE COLLEGE, PA | 1 | $ 272,000 | $ 272,000 | $ 173,000 |
| THE VILLAGES, FL | 1 | $ 126,000 | $ 126,000 | $ 113,000 |
| TRENTON, NJ | 1 | $ 136,000 | $ 136,000 | $ 164,000 |
| WACO, TX | 1 | $ 129,000 | $ 129,000 | $ 126,000 |
| WICHITA, KS | 1 | $ 63,000 | $ 63,000 | $ 80,000 |
| YORK-HANOVER, PA | 1 | $ 216,000 | $ 216,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Advancial Credit Union in 2016
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 | 763 | $265,399,000 | $347,000 | $2,550,000 | $221,000 | $2,967,000 |
| Refinancing | 503 | $163,912,000 | $325,000 | $4,500,000 | $191,000 | $2,682,000 |
| Home Improvement | 52 | $2,524,000 | $48,000 | $150,000 | $147,000 | $527,000 |
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 | 713 | $266,150,000 | $373,000 | $2,974,000 | $223,000 | $2,830,000 |
| Not Provided | 319 | $83,947,000 | $263,000 | $2,000,000 | $154,000 | $1,392,000 |
| Asian | 107 | $45,051,000 | $421,000 | $4,500,000 | $293,000 | $2,725,000 |
| American Indian or Alaskan Native | 83 | $6,260,000 | $75,000 | $412,000 | $134,000 | $527,000 |
| Hispanic | 70 | $18,908,000 | $270,000 | $1,238,000 | $168,000 | $722,000 |
| Black or African American | 24 | $10,108,000 | $421,000 | $4,500,000 | $392,000 | $2,967,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $1,411,000 | $705,000 | $1,180,000 | $353,000 | $362,000 |
| 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) | 1,317 | $431,484,000 | $327,000 | $4,500,000 | $207,000 | $2,967,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $351,000 | $351,000 | $351,000 | $10,000 | $10,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,133 | $362,331,000 | $319,000 | $4,500,000 | $208,000 | $2,967,000 |
| Application Withdrawn By Applicant | 100 | $41,284,000 | $412,000 | $2,000,000 | $204,000 | $779,000 |
| Application Denied By Financial Institution | 58 | $19,569,000 | $337,000 | $4,500,000 | $182,000 | $1,705,000 |
| Application Approved But Not Accepted | 21 | $7,289,000 | $347,000 | $1,175,000 | $256,000 | $1,209,000 |
| File Closed For Incompleteness | 6 | $1,362,000 | $227,000 | $353,000 | $103,000 | $185,000 |
| 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 | $2,911,000 | $181,000 | $2,000,000 | $136,000 | $608,000 |
| Debt-To-Income Ratio | 12 | $2,370,000 | $197,000 | $500,000 | $70,000 | $295,000 |
| Other | 7 | $2,226,000 | $318,000 | $1,113,000 | $205,000 | $845,000 |
| Collateral | 4 | $390,000 | $97,000 | $122,000 | $97,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,195,000 | $398,000 | $517,000 | $252,000 | $348,000 |
| Employment History | 2 | $416,000 | $208,000 | $216,000 | $123,000 | $167,000 |
| Unverifiable Information | 1 | $113,000 | $113,000 | $113,000 | $159,000 | $159,000 |
| Mortgage Insurance Denied | 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 Credit Union's 2016 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.