Community C.U. Mortgage Lending & HMDA Data, 2003
In 2003, Community C.U. of Plano, TX reported 4,871 mortgage applications totaling $395.1 million. The average application was for $81,112, and applicants reported an average income of $81,445. 65% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Dallas, TX (4,578), Fort Worth-Arlington, TX (134) and Sherman-Denison, TX (31) (applications in parentheses).
| Mortgage Company & Address | Community C.U. 1201 W 15th St Plano, TX 75075 |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,871 |
| Total Mortgage Loan Application Amount | $395,098,000 |
| Average Mortgage Loan Application Amount | $81,112 |
| Highest Mortgage Loan Application Amount | $711,000 |
| Average Applicant Income | $81,445 |
| Highest Applicant Income | $924,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community C.U. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Collin, Texas | 2,322 | $ 205,990,000 | $ 88,712 | $ 92,000 |
| Dallas, Texas | 1,629 | $ 109,796,000 | $ 67,400 | $ 62,000 |
| Denton, Texas | 527 | $ 46,932,000 | $ 89,055 | $ 82,000 |
| Tarrant, Texas | 129 | $ 10,971,000 | $ 85,046 | $ 80,000 |
| Grayson, Texas | 49 | $ 3,577,000 | $ 73,000 | $ 73,000 |
| Rockwall, Texas | 41 | $ 3,509,000 | $ 85,585 | $ 78,000 |
| Hunt, Texas | 21 | $ 1,198,000 | $ 57,047 | $ 70,000 |
| Ellis, Texas | 17 | $ 857,000 | $ 50,411 | $ 65,000 |
| Henderson, Texas | 14 | $ 1,902,000 | $ 135,857 | $ 109,000 |
| Fannin, Texas | 13 | $ 1,017,000 | $ 78,230 | $ 63,000 |
| Kaufman, Texas | 11 | $ 492,000 | $ 44,727 | $ 61,000 |
| Travis, Texas | 11 | $ 1,064,000 | $ 96,727 | $ 141,000 |
| Wood, Texas | 8 | $ 625,000 | $ 78,125 | $ 93,000 |
| Harris, Texas | 7 | $ 778,000 | $ 111,142 | $ 62,000 |
| Bexar, Texas | 4 | $ 323,000 | $ 80,750 | $ 98,000 |
| Fort Bend, Texas | 4 | $ 950,000 | $ 237,500 | $ 112,000 |
| Hill, Texas | 4 | $ 405,000 | $ 101,250 | $ 94,000 |
| Parker, Texas | 4 | $ 161,000 | $ 40,250 | $ 94,000 |
| Van Zandt, Texas | 4 | $ 359,000 | $ 89,750 | $ 91,000 |
| Hidalgo, Texas | 3 | $ 260,000 | $ 86,666 | $ 64,000 |
| Montgomery, Texas | 3 | $ 500,000 | $ 166,666 | $ 127,000 |
| Navarro, Texas | 3 | $ 375,000 | $ 125,000 | $ 89,000 |
| Smith, Texas | 3 | $ 235,000 | $ 78,333 | $ 129,000 |
| Williamson, Texas | 3 | $ 213,000 | $ 71,000 | $ 68,000 |
| Brazos, Texas | 2 | $ 65,000 | $ 32,500 | $ 62,000 |
| Cooke, Texas | 2 | $ 129,000 | $ 64,500 | $ 38,000 |
| Erath, Texas | 2 | $ 29,000 | $ 14,500 | $ 124,000 |
| Freestone, Texas | 2 | $ 222,000 | $ 111,000 | $ 72,000 |
| Hays, Texas | 2 | $ 244,000 | $ 122,000 | $ 268,000 |
| Hopkins, Texas | 2 | $ 98,000 | $ 49,000 | $ 112,000 |
| Johnson, Texas | 2 | $ 146,000 | $ 73,000 | $ 75,000 |
| Wichita, Texas | 2 | $ 127,000 | $ 63,500 | $ 47,000 |
| Anderson, Texas | 1 | $ 151,000 | $ 151,000 | $ 106,000 |
| Bell, Texas | 1 | $ 257,000 | $ 257,000 | $ 92,000 |
| Brazoria, Texas | 1 | $ 33,000 | $ 33,000 | $ 205,000 |
| Cherokee, Texas | 1 | $ 43,000 | $ 43,000 | $ 89,000 |
| Comal, Texas | 1 | $ 44,000 | $ 44,000 | $ 43,000 |
| Delta, Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| El Paso, Texas | 1 | $ 53,000 | $ 53,000 | $ 80,000 |
| Franklin, Texas | 1 | $ 49,000 | $ 49,000 | $ 135,000 |
| Gillespie, Texas | 1 | $ 53,000 | $ 53,000 | $ 42,000 |
| Gregg, Texas | 1 | $ 98,000 | $ 98,000 | $ 33,000 |
| Hood, Texas | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Houston, Texas | 1 | $ 21,000 | $ 21,000 | $ 92,000 |
| Leon, Texas | 1 | $ 39,000 | $ 39,000 | $ 42,000 |
| Limestone, Texas | 1 | $ 40,000 | $ 40,000 | $ 122,000 |
| Lubbock, Texas | 1 | $ 49,000 | $ 49,000 | $ 65,000 |
| Palo Pinto, Texas | 1 | $ 86,000 | $ 86,000 | $ 83,000 |
| Rusk, Texas | 1 | $ 47,000 | $ 47,000 | $ 30,000 |
| Val Verde, Texas | 1 | $ 72,000 | $ 72,000 | $ 82,000 |
| Waller, Texas | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Wise, Texas | 1 | $ 49,000 | $ 49,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Community C.U. in 2003
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 (home purchase or home improvement, one-to-four family) | 3,244 | $295,486,000 | $91,000 | $711,000 | $83,000 | $924,000 |
| Home Improvement (one-to-four family) | 1,064 | $28,358,000 | $26,000 | $185,000 | $78,000 | $447,000 |
| Home Purchase (one-to-four family) | 563 | $71,254,000 | $126,000 | $504,000 | $79,000 | $923,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 3,816 | $306,315,000 | $80,000 | $711,000 | $87,000 | $924,000 |
| Asian or Pacific Islander | 337 | $32,922,000 | $97,000 | $504,000 | $83,000 | $923,000 |
| Hispanic | 301 | $19,849,000 | $65,000 | $395,000 | $61,000 | $231,000 |
| Black | 202 | $16,945,000 | $83,000 | $298,000 | $68,000 | $240,000 |
| Information not provided by applicant in mail or telephone application | 107 | $12,446,000 | $116,000 | $348,000 | $95,000 | $252,000 |
| Other | 89 | $5,678,000 | $63,000 | $310,000 | $78,000 | $295,000 |
| American Indian or Alaskan Native | 19 | $943,000 | $49,000 | $163,000 | $90,000 | $166,000 |
| 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) | 4,870 | $395,053,000 | $81,000 | $711,000 | $81,000 | $924,000 |
| VA-guaranteed (Veterans Administration) | 1 | $45,000 | $45,000 | $45,000 | $39,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 3,155 | $282,212,000 | $89,000 | $711,000 | $87,000 | $862,000 |
| Application Approved But Not Accepted | 955 | $76,217,000 | $79,000 | $371,000 | $85,000 | $924,000 |
| Application Denied By Financial Institution | 605 | $28,770,000 | $47,000 | $469,000 | $72,000 | $470,000 |
| Application Withdrawn By Applicant | 153 | $7,603,000 | $49,000 | $285,000 | $79,000 | $240,000 |
| Loan Purchased By The Institution | 2 | $292,000 | $146,000 | $163,000 | $52,000 | $60,000 |
| File Closed For Incompleteness | 1 | $4,000 | $4,000 | $4,000 | $50,000 | $50,000 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 205 | $8,850,000 | $43,000 | $264,000 | $50,000 | $224,000 |
| Credit History | 199 | $8,953,000 | $44,000 | $469,000 | $66,000 | $296,000 |
| Collateral | 120 | $4,818,000 | $40,000 | $300,000 | $96,000 | $420,000 |
| Other | 37 | $2,479,000 | $67,000 | $375,000 | $93,000 | $399,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,256,000 | $141,000 | $250,000 | $66,000 | $180,000 |
| Unverifiable Information | 9 | $554,000 | $61,000 | $150,000 | $112,000 | $470,000 |
| Employment History | 7 | $322,000 | $46,000 | $208,000 | $73,000 | $162,000 |
| Credit Application Incomplete | 3 | $86,000 | $28,000 | $60,000 | $68,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community C.U.'s 2003 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 Community C.U.'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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