Advancial Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Advancial Federal Credit Union of Dallas, TX reported 638 mortgage applications totaling $311.0 million, down 13% from 2023. The average application was for $487,429, and applicants reported an average income of $253,608. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (50), Houston-The Woodlands-Sugar Land, TX (41) and New York-Jersey City-White Plains, NY-NJ (39) (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 | 638 |
| Total Mortgage Loan Application Amount | $310,980,000 |
| Average Mortgage Loan Application Amount | $487,429 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $253,608 |
| Highest Applicant Income | $3,516,000 |
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records Advancial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 89 | $ 34,775,000 | $ 390,730 | $ 247,550 |
| Dallas-Plano-Irving, TX | 50 | $ 16,550,000 | $ 331,000 | $ 206,000 |
| Houston-The Woodlands-Sugar Land, TX | 41 | $ 14,045,000 | $ 342,560 | $ 200,000 |
| New York-Jersey City-White Plains, NY-NJ | 39 | $ 19,355,000 | $ 496,282 | $ 317,000 |
| Lafayette, LA | 36 | $ 4,310,000 | $ 119,722 | $ 113,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 17,145,000 | $ 902,368 | $ 397,000 |
| Fort Worth-Arlington, TX | 15 | $ 5,615,000 | $ 374,333 | $ 162,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 4,045,000 | $ 367,727 | $ 240,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 12,615,000 | $ 1,146,818 | $ 387,000 |
| Austin-Round Rock, TX | 10 | $ 9,670,000 | $ 967,000 | $ 540,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 3,930,000 | $ 393,000 | $ 187,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 9,200,000 | $ 920,000 | $ 413,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 5,330,000 | $ 533,000 | $ 210,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 9,595,000 | $ 1,066,111 | $ 555,000 |
| Chicago-Naperville, IL | 7 | $ 2,935,000 | $ 419,285 | $ 250,000 |
| Lakewood-New Brunswick, NJ | 7 | $ 3,765,000 | $ 537,857 | $ 332,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 3,060,000 | $ 510,000 | $ 266,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 1,760,000 | $ 293,333 | $ 199,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,060,000 | $ 176,666 | $ 210,000 |
| Nassau County-Suffolk County, NY | 6 | $ 3,440,000 | $ 573,333 | $ 254,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 2,185,000 | $ 437,000 | $ 194,000 |
| Cleveland, OH | 5 | $ 1,325,000 | $ 265,000 | $ 106,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 2,235,000 | $ 447,000 | $ 397,000 |
| Everett, WA | 5 | $ 4,365,000 | $ 873,000 | $ 292,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 3,735,000 | $ 747,000 | $ 455,000 |
| Newark, NJ-PA | 5 | $ 2,325,000 | $ 465,000 | $ 197,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 5,525,000 | $ 1,105,000 | $ 426,000 |
| St. Petersburg-Clearwater-Largo, FL | 5 | $ 4,505,000 | $ 901,000 | $ 698,000 |
| Charleston-North Charleston, SC | 4 | $ 1,390,000 | $ 347,500 | $ 88,000 |
| Oklahoma City, OK | 4 | $ 1,120,000 | $ 280,000 | $ 136,000 |
| Philadelphia, PA | 4 | $ 1,020,000 | $ 255,000 | $ 141,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,990,000 | $ 497,500 | $ 335,500 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 2,420,000 | $ 605,000 | $ 346,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 3,825,000 | $ 1,275,000 | $ 426,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,285,000 | $ 428,333 | $ 179,000 |
| Boulder, CO | 3 | $ 2,735,000 | $ 911,666 | $ 330,000 |
| Brownsville-Harlingen, TX | 3 | $ 1,515,000 | $ 505,000 | $ 405,000 |
| Fresno, CA | 3 | $ 2,355,000 | $ 785,000 | $ 257,000 |
| Kansas City, MO-KS | 3 | $ 1,085,000 | $ 361,666 | $ 36,666 |
| Midland, TX | 3 | $ 485,000 | $ 161,666 | $ 91,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 2,365,000 | $ 788,333 | $ 286,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 2,145,000 | $ 715,000 | $ 541,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 4,575,000 | $ 1,525,000 | $ 452,000 |
| Raleigh, NC | 3 | $ 1,245,000 | $ 415,000 | $ 148,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 3,055,000 | $ 1,018,333 | $ 736,000 |
| Rockingham County-Strafford County, NH | 3 | $ 1,175,000 | $ 391,666 | $ 123,000 |
| Salinas, CA | 3 | $ 3,085,000 | $ 1,028,333 | $ 265,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,955,000 | $ 651,666 | $ 196,000 |
| St. Louis, MO-IL | 3 | $ 715,000 | $ 238,333 | $ 111,000 |
| York-Hanover, PA | 3 | $ 885,000 | $ 295,000 | $ 150,000 |
| Anchorage, AK | 2 | $ 1,190,000 | $ 595,000 | $ 256,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 620,000 | $ 310,000 | $ 257,000 |
| Boise City, ID | 2 | $ 720,000 | $ 360,000 | $ 189,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,180,000 | $ 590,000 | $ 204,000 |
| Camden, NJ | 2 | $ 440,000 | $ 220,000 | $ 138,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,310,000 | $ 655,000 | $ 344,000 |
| Eugene, OR | 2 | $ 600,000 | $ 300,000 | $ 91,000 |
| Fort Collins, CO | 2 | $ 450,000 | $ 225,000 | $ 64,000 |
| Gainesville, FL | 2 | $ 620,000 | $ 310,000 | $ 203,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 1,030,000 | $ 515,000 | $ 155,000 |
| Jacksonville, FL | 2 | $ 670,000 | $ 335,000 | $ 212,000 |
| Marietta, GA | 2 | $ 2,930,000 | $ 1,465,000 | $ 442,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 890,000 | $ 445,000 | $ 161,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,550,000 | $ 1,275,000 | $ 356,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,330,000 | $ 665,000 | $ 189,000 |
| Olympia-Tumwater, WA | 2 | $ 450,000 | $ 225,000 | $ 178,000 |
| Providence-Warwick, RI-MA | 2 | $ 1,120,000 | $ 560,000 | $ 454,000 |
| Racine, WI | 2 | $ 400,000 | $ 200,000 | $ 56,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,980,000 | $ 990,000 | $ 303,000 |
| Salt Lake City, UT | 2 | $ 3,020,000 | $ 1,510,000 | $ 309,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,040,000 | $ 520,000 | $ 141,000 |
| Savannah, GA | 2 | $ 800,000 | $ 400,000 | $ 276,000 |
| Springfield, MA | 2 | $ 210,000 | $ 105,000 | $ 47,000 |
| St. George, UT | 2 | $ 630,000 | $ 315,000 | $ 398,000 |
| Stockton-Lodi, CA | 2 | $ 1,100,000 | $ 550,000 | $ 110,000 |
| Syracuse, NY | 2 | $ 630,000 | $ 315,000 | $ 105,000 |
| Tampa, FL | 2 | $ 1,030,000 | $ 515,000 | $ 230,000 |
| Trenton, NJ | 2 | $ 960,000 | $ 480,000 | $ 170,000 |
| Waterbury-Shelton, CT | 2 | $ 800,000 | $ 400,000 | $ 132,000 |
| Wenatchee, WA | 2 | $ 1,140,000 | $ 570,000 | $ 265,000 |
| Wilmington, NC | 2 | $ 360,000 | $ 180,000 | $ 153,000 |
| Worcester, MA-CT | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Ann Arbor, MI | 1 | $ 635,000 | $ 635,000 | $ 326,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 775,000 | $ 775,000 | $ 212,000 |
| Asheville, NC | 1 | $ 1,365,000 | $ 1,365,000 | $ 676,000 |
| Athens-Clarke County, GA | 1 | $ 395,000 | $ 395,000 | $ 109,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 415,000 | $ 415,000 | $ 127,000 |
| Barnstable Town, MA | 1 | $ 855,000 | $ 855,000 | $ 266,000 |
| Bend-Redmond, OR | 1 | $ 1,175,000 | $ 1,175,000 | $ 1,242,000 |
| Binghamton, NY | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Boston, MA | 1 | $ 465,000 | $ 465,000 | $ 179,000 |
| Bozeman, MT | 1 | $ 975,000 | $ 975,000 | $ 363,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 475,000 | $ 475,000 | $ 252,000 |
| Burlington, NC | 1 | $ 365,000 | $ 365,000 | $ 102,000 |
| Cincinnati, OH-KY-IN | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Colorado Springs, CO | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Columbia, MO | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Columbia, SC | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Columbus, OH | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 655,000 | $ 655,000 | $ 570,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 715,000 | $ 715,000 | $ 338,000 |
| El Centro, CA | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Erie, PA | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Grand Junction, CO | 1 | $ 45,000 | $ 45,000 | $ 171,000 |
| Greensboro-High Point, NC | 1 | $ 285,000 | $ 285,000 | $ 319,000 |
| Idaho Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Kingston, NY | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Knoxville, TN | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Lakeland-Winter Haven, FL | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Lebanon, PA | 1 | $ 405,000 | $ 405,000 | $ 315,000 |
| Lexington Park, MD | 1 | $ 295,000 | $ 295,000 | $ 240,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Longview, TX | 1 | $ 885,000 | $ 885,000 | $ 328,000 |
| Lubbock, TX | 1 | $ 945,000 | $ 945,000 | $ 777,000 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Manchester-Nashua, NH | 1 | $ 495,000 | $ 495,000 | $ 158,000 |
| Medford, OR | 1 | $ 585,000 | $ 585,000 | $ 237,000 |
| Memphis, TN-MS-AR | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Missoula, MT | 1 | $ 165,000 | $ 165,000 | $ 254,000 |
| Morgantown, WV | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| New Haven-Milford, CT | 1 | $ 105,000 | $ 105,000 | $ 237,000 |
| Niles-Benton Harbor, MI | 1 | $ 125,000 | $ 125,000 | $ 339,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 395,000 | $ 395,000 | $ 146,000 |
| Pittsburgh, PA | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| Port St. Lucie, FL | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Reno, NV | 1 | $ 145,000 | $ 145,000 | $ 256,000 |
| Richmond, VA | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Roanoke, VA | 1 | $ 345,000 | $ 345,000 | $ 96,000 |
| Rochester, MN | 1 | $ 285,000 | $ 285,000 | $ 137,000 |
| Salem, OR | 1 | $ 355,000 | $ 355,000 | $ 90,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,895,000 | $ 1,895,000 | $ 529,000 |
| San Rafael, CA | 1 | $ 1,705,000 | $ 1,705,000 | $ 539,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,125,000 | $ 1,125,000 | $ 353,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 495,000 | $ 495,000 | $ 435,000 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Sherman-Denison, TX | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Tacoma-Lakewood, WA | 1 | $ 465,000 | $ 465,000 | $ 242,000 |
| Tyler, TX | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Vallejo-Fairfield, CA | 1 | $ 685,000 | $ 685,000 | $ 356,000 |
| Watertown-Fort Drum, NY | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Williamsport, PA | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Winston-Salem, NC | 1 | $ 135,000 | $ 135,000 | $ 233,000 |
Mortgage Loan Application Detail Totals for Advancial Federal Credit Union in 2024
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 | 441 | $222,355,000 | $504,000 | $2,765,000 | $261,000 | $2,287,000 |
| Cash-out Refinancing | 119 | $70,545,000 | $592,000 | $3,505,000 | $283,000 | $3,516,000 |
| Home Improvement | 46 | $3,010,000 | $65,000 | $205,000 | $128,000 | $429,000 |
| Refinancing | 32 | $15,070,000 | $470,000 | $3,005,000 | $223,000 | $967,000 |
| 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 | 350 | $176,950,000 | $505,000 | $3,505,000 | $268,000 | $3,516,000 |
| Not Provided | 183 | $85,025,000 | $464,000 | $2,405,000 | $231,000 | $1,822,000 |
| Hispanic | 50 | $25,830,000 | $516,000 | $3,005,000 | $282,000 | $2,000,000 |
| Asian | 26 | $16,270,000 | $625,000 | $1,895,000 | $289,000 | $708,000 |
| Black or African American | 24 | $6,040,000 | $251,000 | $665,000 | $142,000 | $300,000 |
| American Indian or Alaskan Native | 5 | $865,000 | $173,000 | $385,000 | $118,000 | $187,000 |
| 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) | 638 | $310,980,000 | $487,000 | $3,505,000 | $254,000 | $3,516,000 |
| 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 | 477 | $232,875,000 | $488,000 | $3,505,000 | $254,000 | $3,516,000 |
| Application Withdrawn By Applicant | 100 | $54,020,000 | $540,000 | $2,405,000 | $263,000 | $2,287,000 |
| Application Denied By Financial Institution | 52 | $23,110,000 | $444,000 | $2,385,000 | $244,000 | $1,096,000 |
| Application Approved But Not Accepted | 8 | $660,000 | $82,000 | $135,000 | $178,000 | $429,000 |
| File Closed For Incompleteness | 1 | $315,000 | $315,000 | $315,000 | $105,000 | $105,000 |
| 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 | 586 | $287,870,000 | $491,000 | $3,505,000 | $254,000 | $3,516,000 |
| Collateral | 20 | $10,910,000 | $545,000 | $2,385,000 | $283,000 | $1,096,000 |
| Debt-To-Income Ratio | 12 | $5,760,000 | $480,000 | $1,695,000 | $234,000 | $865,000 |
| Credit History | 9 | $1,565,000 | $173,000 | $425,000 | $121,000 | $259,000 |
| Other | 6 | $3,130,000 | $521,000 | $995,000 | $384,000 | $942,000 |
| Employment History | 4 | $1,630,000 | $407,000 | $495,000 | $180,000 | $214,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $79,000 | $79,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2024 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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