Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Advancial Federal Credit Union of Dallas, TX reported 731 mortgage applications totaling $322.6 million, down 24% from 2022. The average application was for $441,361, and applicants reported an average income of $244,770. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (53), Houston-The Woodlands-Sugar Land, TX (50) and Lafayette, LA (48) (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 | 731 |
| Total Mortgage Loan Application Amount | $322,635,000 |
| Average Mortgage Loan Application Amount | $441,361 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $244,770 |
| Highest Applicant Income | $3,607,000 |
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records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 73 | $ 27,735,000 | $ 379,931 | $ 320,958 |
| Dallas-Plano-Irving, TX | 53 | $ 19,205,000 | $ 362,358 | $ 198,000 |
| Houston-The Woodlands-Sugar Land, TX | 50 | $ 16,190,000 | $ 323,800 | $ 186,000 |
| Lafayette, LA | 48 | $ 4,950,000 | $ 103,125 | $ 98,000 |
| New York-Jersey City-White Plains, NY-NJ | 36 | $ 17,320,000 | $ 481,111 | $ 249,833 |
| Seattle-Bellevue-Everett, WA | 25 | $ 16,045,000 | $ 641,800 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 6,950,000 | $ 315,909 | $ 273,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 20 | $ 3,130,000 | $ 156,500 | $ 163,800 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 5,745,000 | $ 302,368 | $ 164,000 |
| Fort Worth-Arlington, TX | 17 | $ 9,575,000 | $ 563,235 | $ 267,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 12,515,000 | $ 834,333 | $ 306,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 5,205,000 | $ 400,384 | $ 228,000 |
| Panama City, FL | 12 | $ 3,680,000 | $ 306,666 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 6,070,000 | $ 505,833 | $ 299,000 |
| Las Vegas-Henderson-Paradise, NV | 11 | $ 2,185,000 | $ 198,636 | $ 309,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 3,295,000 | $ 299,545 | $ 233,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 5,095,000 | $ 463,181 | $ 305,000 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 12,590,000 | $ 1,259,000 | $ 373,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 4,850,000 | $ 485,000 | $ 241,200 |
| Chicago-Naperville, IL | 9 | $ 4,155,000 | $ 461,666 | $ 422,000 |
| Newark, NJ-PA | 9 | $ 3,475,000 | $ 386,111 | $ 175,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 9,060,000 | $ 1,132,500 | $ 546,000 |
| Austin-Round Rock, TX | 8 | $ 8,400,000 | $ 1,050,000 | $ 371,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 7,500,000 | $ 937,500 | $ 315,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 5,355,000 | $ 765,000 | $ 418,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 4,975,000 | $ 710,714 | $ 346,000 |
| Anchorage, AK | 6 | $ 610,000 | $ 101,666 | $ 142,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 2,910,000 | $ 485,000 | $ 193,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,985,000 | $ 597,000 | $ 220,000 |
| Camden, NJ | 5 | $ 1,245,000 | $ 249,000 | $ 104,000 |
| Jacksonville, FL | 5 | $ 1,455,000 | $ 291,000 | $ 167,000 |
| Pittsburgh, PA | 5 | $ 1,745,000 | $ 349,000 | $ 228,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 2,735,000 | $ 547,000 | $ 420,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,820,000 | $ 455,000 | $ 231,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,720,000 | $ 680,000 | $ 183,000 |
| Fort Collins, CO | 4 | $ 1,310,000 | $ 327,500 | $ 203,000 |
| Nassau County-Suffolk County, NY | 4 | $ 2,830,000 | $ 707,500 | $ 223,000 |
| Ocean City, NJ | 4 | $ 590,000 | $ 147,500 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 6,250,000 | $ 1,562,500 | $ 385,000 |
| St. Louis, MO-IL | 4 | $ 2,220,000 | $ 555,000 | $ 224,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 920,000 | $ 230,000 | $ 154,000 |
| Asheville, NC | 3 | $ 1,915,000 | $ 638,333 | $ 309,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 495,000 | $ 165,000 | $ 97,000 |
| Corpus Christi, TX | 3 | $ 465,000 | $ 155,000 | $ 170,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 845,000 | $ 281,666 | $ 120,000 |
| Laredo, TX | 3 | $ 2,185,000 | $ 728,333 | $ 1,473,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 925,000 | $ 308,333 | $ 91,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 2,225,000 | $ 741,666 | $ 214,000 |
| Raleigh, NC | 3 | $ 945,000 | $ 315,000 | $ 255,000 |
| Salisbury, MD-DE | 3 | $ 745,000 | $ 248,333 | $ 191,000 |
| Salt Lake City, UT | 3 | $ 3,265,000 | $ 1,088,333 | $ 258,000 |
| San Diego-Carlsbad, CA | 3 | $ 2,345,000 | $ 781,666 | $ 307,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 2,925,000 | $ 975,000 | $ 371,000 |
| Urban Honolulu, HI | 3 | $ 2,755,000 | $ 918,333 | $ 402,000 |
| Barnstable Town, MA | 2 | $ 2,380,000 | $ 1,190,000 | $ 199,000 |
| Boulder, CO | 2 | $ 1,720,000 | $ 860,000 | $ 295,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 680,000 | $ 340,000 | $ 152,000 |
| College Station-Bryan, TX | 2 | $ 170,000 | $ 85,000 | $ 247,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 290,000 | $ 145,000 | $ 223,000 |
| Kansas City, MO-KS | 2 | $ 2,180,000 | $ 1,090,000 | $ 240,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,150,000 | $ 575,000 | $ 176,000 |
| New Orleans-Metairie, LA | 2 | $ 360,000 | $ 180,000 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,390,000 | $ 695,000 | $ 530,500 |
| Provo-Orem, UT | 2 | $ 840,000 | $ 420,000 | $ 102,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,510,000 | $ 755,000 | $ 241,000 |
| Santa Fe, NM | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,950,000 | $ 975,000 | $ 539,000 |
| St. George, UT | 2 | $ 660,000 | $ 330,000 | $ 120,000 |
| Trenton, NJ | 2 | $ 960,000 | $ 480,000 | $ 377,000 |
| Tyler, TX | 2 | $ 460,000 | $ 230,000 | $ 102,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 660,000 | $ 330,000 | $ 236,000 |
| Wausau, WI | 2 | $ 2,610,000 | $ 1,305,000 | $ 373,000 |
| Wenatchee, WA | 2 | $ 500,000 | $ 250,000 | $ 404,000 |
| Wichita, KS | 2 | $ 490,000 | $ 245,000 | $ 153,000 |
| Albuquerque, NM | 1 | $ 995,000 | $ 995,000 | $ 335,000 |
| Appleton, WI | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Beaumont-Port Arthur, TX | 1 | $ 475,000 | $ 475,000 | $ 259,000 |
| Bend-Redmond, OR | 1 | $ 305,000 | $ 305,000 | $ 445,000 |
| Boston, MA | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Cleveland-Elyria, OH | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Coeur D'Alene, ID | 1 | $ 605,000 | $ 605,000 | $ 250,000 |
| Colorado Springs, CO | 1 | $ 695,000 | $ 695,000 | $ 209,000 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Columbus, OH | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 925,000 | $ 925,000 | $ 312,000 |
| Dover, DE | 1 | $ 325,000 | $ 325,000 | $ 78,000 |
| El Paso, TX | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Eugene, OR | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Fresno, CA | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Gainesville, FL | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Gettysburg, PA | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Grants Pass, OR | 1 | $ 745,000 | $ 745,000 | $ 542,000 |
| Greeley, CO | 1 | $ 425,000 | $ 425,000 | $ 86,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Kankakee, IL | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 415,000 | $ 415,000 | $ 190,000 |
| Lakeland-Winter Haven, FL | 1 | $ 205,000 | $ 205,000 | $ 303,000 |
| Lexington-Fayette, KY | 1 | $ 345,000 | $ 345,000 | $ 114,000 |
| Logan, UT-ID | 1 | $ 495,000 | $ 495,000 | $ 143,000 |
| Lubbock, TX | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Manhattan, KS | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 173,000 |
| Modesto, CA | 1 | $ 1,135,000 | $ 1,135,000 | $ 286,000 |
| Napa, CA | 1 | $ 765,000 | $ 765,000 | $ 1,119,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 315,000 | $ 315,000 | $ 180,000 |
| New Haven-Milford, CT | 1 | $ 105,000 | $ 105,000 | $ 237,000 |
| New York-Newark, NY | 1 | $ 1,005,000 | $ 1,005,000 | $ 582,000 |
| Norwich-New London, CT | 1 | $ 325,000 | $ 325,000 | $ 266,000 |
| Ocala, FL | 1 | $ 485,000 | $ 485,000 | $ 125,000 |
| Ogden-Clearfield, UT | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Oklahoma City, OK | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Olympia-Tumwater, WA | 1 | $ 505,000 | $ 505,000 | $ 1,606,000 |
| Oshkosh-Neenah, WI | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Philadelphia, PA | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Pittsfield, MA | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| Portland-South Portland, ME | 1 | $ 205,000 | $ 205,000 | $ 280,000 |
| Providence-Warwick, RI-MA | 1 | $ 465,000 | $ 465,000 | $ 220,000 |
| Redding, CA | 1 | $ 985,000 | $ 985,000 | $ 885,000 |
| San Antonio-New Braunfels, TX | 1 | $ 335,000 | $ 335,000 | $ 179,000 |
| Santa Rosa, CA | 1 | $ 1,925,000 | $ 1,925,000 | $ 438,000 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Shreveport-Bossier City, LA | 1 | $ 145,000 | $ 145,000 | $ 187,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Spokane-Spokane Valley, WA | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Stockton-Lodi, CA | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Waco, TX | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Wichita Falls, TX | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Wilmington, DE-MD-NJ | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Advancial Federal Credit Union in 2023
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 | 541 | $249,775,000 | $461,000 | $2,915,000 | $256,000 | $3,607,000 |
| Cash-out Refinancing | 111 | $55,655,000 | $501,000 | $3,005,000 | $251,000 | $1,803,000 |
| Home Improvement | 46 | $2,900,000 | $63,000 | $165,000 | $147,000 | $396,000 |
| Refinancing | 33 | $14,305,000 | $433,000 | $2,765,000 | $176,000 | $714,000 |
| 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 | 445 | $190,785,000 | $428,000 | $3,005,000 | $240,000 | $3,607,000 |
| Not Provided | 127 | $69,825,000 | $549,000 | $2,765,000 | $271,000 | $2,005,000 |
| Hispanic | 67 | $21,225,000 | $316,000 | $1,605,000 | $250,000 | $1,803,000 |
| Asian | 48 | $27,110,000 | $564,000 | $2,505,000 | $258,000 | $1,590,000 |
| Black or African American | 38 | $8,620,000 | $226,000 | $1,295,000 | $168,000 | $882,000 |
| American Indian or Alaskan Native | 4 | $3,920,000 | $980,000 | $2,005,000 | $356,000 | $774,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,150,000 | $575,000 | $745,000 | $402,000 | $542,000 |
| 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) | 731 | $322,635,000 | $441,000 | $3,005,000 | $245,000 | $3,607,000 |
| 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 | 562 | $240,780,000 | $428,000 | $2,765,000 | $245,000 | $3,607,000 |
| Application Withdrawn By Applicant | 118 | $64,740,000 | $548,000 | $2,915,000 | $280,000 | $1,526,000 |
| Application Denied By Financial Institution | 48 | $16,930,000 | $352,000 | $3,005,000 | $166,000 | $734,000 |
| Application Approved But Not Accepted | 3 | $185,000 | $61,000 | $115,000 | $156,000 | $280,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 683 | $305,705,000 | $447,000 | $2,915,000 | $250,000 | $3,607,000 |
| Collateral | 16 | $6,870,000 | $429,000 | $3,005,000 | $205,000 | $734,000 |
| Debt-To-Income Ratio | 12 | $3,610,000 | $300,000 | $1,065,000 | $116,000 | $211,000 |
| Credit History | 10 | $1,720,000 | $172,000 | $525,000 | $103,000 | $291,000 |
| Other | 5 | $1,005,000 | $201,000 | $315,000 | $172,000 | $249,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,495,000 | $498,000 | $1,085,000 | $193,000 | $323,000 |
| Employment History | 2 | $2,230,000 | $1,115,000 | $1,925,000 | $393,000 | $600,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Advancial Federal Credit Union's 2023 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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