Air Force Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Air Force Federal Credit Union of San Antonio, TX reported 99 mortgage applications totaling $10.8 million, down 54% from 2013. The average application was for $109,303, and applicants reported an average income of $73,787. 27% of its applications resulted in an originated loan and 29% were denied. Its largest markets were San Antonio-New Braunfels, TX (63), McAllen-Edinburg-Mission, TX (3) and Albuquerque, NM (2) (applications in parentheses).
| Mortgage Company & Address | Air Force Federal Credit Union 1560 Cable Ranch Road Ste 200 San Antonio, TX 78245 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 99 |
| Total Mortgage Loan Application Amount | $10,821,000 |
| Average Mortgage Loan Application Amount | $109,303 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $73,787 |
| Highest Applicant Income | $408,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Air Force Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Air Force 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 | 49 | $6,209,000 | $126,000 | $417,000 | $79,000 | $408,000 |
| Refinancing | 34 | $3,302,000 | $97,000 | $408,000 | $69,000 | $164,000 |
| Home Improvement | 16 | $1,310,000 | $81,000 | $282,000 | $68,000 | $302,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 42 | $5,132,000 | $122,000 | $417,000 | $86,000 | $408,000 |
| White | 24 | $2,231,000 | $92,000 | $204,000 | $68,000 | $157,000 |
| Hispanic | 24 | $2,532,000 | $105,000 | $408,000 | $64,000 | $153,000 |
| Asian | 4 | $427,000 | $106,000 | $141,000 | $64,000 | $108,000 |
| Black or African American | 4 | $409,000 | $102,000 | $174,000 | $34,000 | $55,000 |
| American Indian or Alaskan Native | 1 | $90,000 | $90,000 | $90,000 | $100,000 | $100,000 |
| 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) | 88 | $9,037,000 | $102,000 | $417,000 | $74,000 | $408,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,784,000 | $162,000 | $278,000 | $70,000 | $150,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 29 | $2,673,000 | $92,000 | $287,000 | $65,000 | $408,000 |
| Loan Originated | 27 | $3,724,000 | $137,000 | $417,000 | $102,000 | $302,000 |
| File Closed For Incompleteness | 20 | $2,209,000 | $110,000 | $253,000 | $69,000 | $164,000 |
| Application Withdrawn By Applicant | 15 | $1,289,000 | $85,000 | $188,000 | $63,000 | $137,000 |
| Application Approved But Not Accepted | 8 | $926,000 | $115,000 | $241,000 | $43,000 | $70,000 |
| 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 | 13 | $1,068,000 | $82,000 | $177,000 | $57,000 | $153,000 |
| Debt-To-Income Ratio | 8 | $898,000 | $112,000 | $230,000 | $43,000 | $65,000 |
| Collateral | 4 | $216,000 | $54,000 | $85,000 | $147,000 | $408,000 |
| Other | 2 | $70,000 | $35,000 | $40,000 | $35,000 | $43,000 |
| Unverifiable Information | 1 | $134,000 | $134,000 | $134,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 1 | $287,000 | $287,000 | $287,000 | $93,000 | $93,000 |
| 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 Air Force 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 Air Force 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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