Amplify Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Amplify Federal Credit Union of Austin, TX reported 888 mortgage applications totaling $95.4 million, down 19% from 2011. The average application was for $107,407, and applicants reported an average income of $155,117. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (844), Dallas-Plano-Irving, TX (8) and Houston-Sugar Land-Baytown, TX (4) (applications in parentheses).
| Mortgage Company & Address | Amplify Federal Credit Union 3600 W Parmer Lane Austin, TX 78727 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 888 |
| Total Mortgage Loan Application Amount | $95,378,000 |
| Average Mortgage Loan Application Amount | $107,407 |
| Highest Mortgage Loan Application Amount | $1,012,000 |
| Average Applicant Income | $155,117 |
| Highest Applicant Income | $1,250,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amplify Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Austin-Round Rock-San Marcos, TX | 844 | $ 91,257,000 | $ 108,124 | $ 155,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,147,000 | $ 143,375 | $ 198,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 323,000 | $ 80,750 | $ 123,000 |
| San Antonio-New Braunfels, TX | 4 | $ 408,000 | $ 102,000 | $ 206,000 |
| Fort Worth-Arlington, TX | 3 | $ 267,000 | $ 89,000 | $ 247,000 |
| Corpus Christi, TX | 2 | $ 143,000 | $ 71,500 | $ 157,000 |
| Brownsville-Harlingen, TX | 1 | $ 62,000 | $ 62,000 | $ 54,000 |
| El Paso, TX | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 137,000 | $ 137,000 | $ 91,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Tyler, TX | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Amplify Federal Credit Union in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 614 | $63,635,000 | $103,000 | $1,012,000 | $137,000 | $979,000 |
| Home Purchase | 228 | $27,987,000 | $122,000 | $701,000 | $212,000 | $1,250,000 |
| Home Improvement | 46 | $3,756,000 | $81,000 | $700,000 | $115,000 | $373,000 |
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 | 595 | $65,410,000 | $109,000 | $1,012,000 | $168,000 | $1,250,000 |
| Not Provided | 124 | $12,989,000 | $104,000 | $700,000 | $148,000 | $560,000 |
| Hispanic | 78 | $7,646,000 | $98,000 | $573,000 | $102,000 | $299,000 |
| Asian | 68 | $7,099,000 | $104,000 | $391,000 | $136,000 | $710,000 |
| Black or African American | 22 | $2,054,000 | $93,000 | $661,000 | $92,000 | $161,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $147,000 | $147,000 |
| 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) | 884 | $94,898,000 | $107,000 | $1,012,000 | $155,000 | $1,250,000 |
| FHA-insured (Federal Housing Administration) | 4 | $480,000 | $120,000 | $162,000 | $74,000 | $82,000 |
| 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 | 617 | $61,171,000 | $99,000 | $1,012,000 | $161,000 | $979,000 |
| Application Denied By Financial Institution | 145 | $15,796,000 | $108,000 | $701,000 | $121,000 | $710,000 |
| Application Withdrawn By Applicant | 71 | $10,298,000 | $145,000 | $623,000 | $156,000 | $1,250,000 |
| Application Approved But Not Accepted | 34 | $4,541,000 | $133,000 | $445,000 | $208,000 | $591,000 |
| File Closed For Incompleteness | 21 | $3,572,000 | $170,000 | $367,000 | $127,000 | $285,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 41 | $3,989,000 | $97,000 | $501,000 | $123,000 | $271,000 |
| Debt-To-Income Ratio | 35 | $3,319,000 | $94,000 | $391,000 | $71,000 | $212,000 |
| Collateral | 32 | $2,794,000 | $87,000 | $239,000 | $172,000 | $710,000 |
| Credit History | 12 | $1,126,000 | $93,000 | $336,000 | $91,000 | $256,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $946,000 | $135,000 | $308,000 | $159,000 | $269,000 |
| Other | 3 | $241,000 | $80,000 | $121,000 | $136,000 | $163,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amplify Federal Credit Union's 2012 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 Amplify 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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