Credit Union Of Texas
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Credit Union Of Texas 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Credit Union Of Texas 8131 Lbj Freeway, Suite 500 Allen, TX 75251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,511 |
| Total Mortgage Loan Application Amount | $158,958,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $106,333 |
| Highest Applicant Income | $1,224,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Credit Union Of Texas. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Credit Union Of Texas's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Credit Union Of Texas's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Credit Union Of Texas serves its applicants.
Each category highlights the total number of mortgage applications processed by Credit Union Of Texas, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Credit Union Of Texas's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Texas | 559 | $ 58,394,000 | $ 104,000 | $ 84,000 |
| Collin County Texas | 229 | $ 28,869,000 | $ 126,000 | $ 138,000 |
| Denton County Texas | 170 | $ 18,882,000 | $ 111,000 | $ 128,000 |
| Rockwall County Texas | 68 | $ 9,685,000 | $ 142,000 | $ 117,000 |
| Tarrant County Texas | 63 | $ 8,437,000 | $ 133,000 | $ 103,000 |
| Harris County Texas | 51 | $ 4,115,000 | $ 80,000 | $ 132,000 |
| Ellis County Texas | 37 | $ 4,747,000 | $ 128,000 | $ 114,000 |
| Kaufman County Texas | 33 | $ 3,410,000 | $ 103,000 | $ 112,000 |
| Montgomery County Texas | 20 | $ 1,504,000 | $ 75,000 | $ 152,000 |
| Travis County Texas | 20 | $ 1,515,000 | $ 75,000 | $ 119,000 |
| Fort Bend County Texas | 18 | $ 1,637,000 | $ 90,000 | $ 233,000 |
| Bexar County Texas | 15 | $ 721,000 | $ 48,000 | $ 91,000 |
| Hunt County Texas | 15 | $ 1,366,000 | $ 91,000 | $ 90,000 |
| Brazoria County Texas | 11 | $ 1,075,000 | $ 97,000 | $ 121,000 |
| Grayson County Texas | 9 | $ 680,000 | $ 75,000 | $ 96,000 |
| Parker County Texas | 9 | $ 888,000 | $ 98,000 | $ 118,000 |
| Henderson County Texas | 7 | $ 337,000 | $ 48,000 | $ 57,000 |
| Lubbock County Texas | 7 | $ 447,000 | $ 63,000 | $ 108,000 |
| Brazos County Texas | 6 | $ 459,000 | $ 76,000 | $ 131,000 |
| Williamson County Texas | 6 | $ 907,000 | $ 151,000 | $ 117,000 |
| Galveston County Texas | 5 | $ 420,000 | $ 84,000 | $ 133,000 |
| Freestone County Texas | 4 | $ 337,000 | $ 84,000 | $ 49,000 |
| Hidalgo County Texas | 4 | $ 318,000 | $ 79,000 | $ 81,000 |
| McLennan County Texas | 4 | $ 238,000 | $ 59,000 | $ 70,000 |
| Nueces County Texas | 4 | $ 795,000 | $ 198,000 | $ 134,000 |
| Smith County Texas | 4 | $ 379,000 | $ 94,000 | $ 85,000 |
| Calhoun County Texas | 3 | $ 209,000 | $ 69,000 | $ 76,000 |
| Cameron County Texas | 3 | $ 180,000 | $ 60,000 | $ 75,000 |
| Cooke County Texas | 3 | $ 145,000 | $ 48,000 | $ 92,000 |
| Crockett County Texas | 3 | $ 192,000 | $ 64,000 | $ 93,000 |
| El Paso County Texas | 3 | $ 183,000 | $ 61,000 | $ 116,000 |
| Erath County Texas | 3 | $ 82,000 | $ 27,000 | $ 71,000 |
| Guadalupe County Texas | 3 | $ 120,000 | $ 40,000 | $ 75,000 |
| Hays County Texas | 3 | $ 242,000 | $ 80,000 | $ 94,000 |
| Jasper County Texas | 3 | $ 168,000 | $ 56,000 | $ 54,000 |
| Johnson County Texas | 3 | $ 192,000 | $ 64,000 | $ 92,000 |
| Tyler County Texas | 3 | $ 153,000 | $ 51,000 | $ 46,000 |
| Van Zandt County Texas | 3 | $ 125,000 | $ 41,000 | $ 42,000 |
| Wood County Texas | 3 | $ 206,000 | $ 68,000 | $ 80,000 |
| Anderson County Texas | 2 | $ 126,000 | $ 63,000 | $ 104,000 |
| Angelina County Texas | 2 | $ 124,000 | $ 62,000 | $ 91,000 |
| Atascosa County Texas | 2 | $ 88,000 | $ 44,000 | $ 54,000 |
| Bastrop County Texas | 2 | $ 268,000 | $ 134,000 | $ 69,000 |
| Bell County Texas | 2 | $ 125,000 | $ 62,000 | $ 49,000 |
| Burnet County Texas | 2 | $ 174,000 | $ 87,000 | $ 82,000 |
| Comal County Texas | 2 | $ 147,000 | $ 73,000 | $ 137,000 |
| Coryell County Texas | 2 | $ 114,000 | $ 57,000 | $ 65,000 |
| Hardin County Texas | 2 | $ 85,000 | $ 42,000 | $ 75,000 |
| Harrison County Texas | 2 | $ 77,000 | $ 38,000 | $ 57,000 |
| Hopkins County Texas | 2 | $ 46,000 | $ 23,000 | $ 58,000 |
| McCulloch County Texas | 2 | $ 114,000 | $ 57,000 | $ 72,000 |
| Midland County Texas | 2 | $ 107,000 | $ 53,000 | $ 53,000 |
| Orange County Texas | 2 | $ 113,000 | $ 56,000 | $ 89,000 |
| Rusk County Texas | 2 | $ 78,000 | $ 39,000 | $ 55,000 |
| San Jacinto County Texas | 2 | $ 193,000 | $ 96,000 | $ 149,000 |
| Taylor County Texas | 2 | $ 93,000 | $ 46,000 | $ 83,000 |
| Walker County Texas | 2 | $ 79,000 | $ 39,000 | $ 54,000 |
| Wichita County Texas | 2 | $ 59,000 | $ 29,000 | $ 85,000 |
| Willacy County Texas | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| Wilson County Texas | 2 | $ 99,000 | $ 49,000 | $ 44,000 |
| Pulaski County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Hillsborough County Florida | 1 | $ 347,000 | $ 347,000 | $ 143,000 |
| Kalamazoo County Michigan | 1 | $ 68,000 | $ 68,000 | $ 60,000 |
| Austin County Texas | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| Bandera County Texas | 1 | $ 71,000 | $ 71,000 | $ 122,000 |
| Bowie County Texas | 1 | $ 71,000 | $ 71,000 | $ 232,000 |
| Burleson County Texas | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Caldwell County Texas | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Callahan County Texas | 1 | $ 26,000 | $ 26,000 | $ 21,000 |
| Castro County Texas | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Chambers County Texas | 1 | $ 100,000 | $ 100,000 | $ 197,000 |
| Cherokee County Texas | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Childress County Texas | 1 | $ 44,000 | $ 44,000 | $ 38,000 |
| Crane County Texas | 1 | $ 105,000 | $ 105,000 | $ 151,000 |
| Ector County Texas | 1 | $ 39,000 | $ 39,000 | $ 46,000 |
| Falls County Texas | 1 | $ 63,000 | $ 63,000 | $ 33,000 |
| Fisher County Texas | 1 | $ 44,000 | $ 44,000 | $ 35,000 |
| Franklin County Texas | 1 | $ 31,000 | $ 31,000 | $ 54,000 |
| Goliad County Texas | 1 | $ 76,000 | $ 76,000 | $ 52,000 |
| Gonzales County Texas | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Hamilton County Texas | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Hockley County Texas | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Hood County Texas | 1 | $ 32,000 | $ 32,000 | $ 81,000 |
| Jackson County Texas | 1 | $ 53,000 | $ 53,000 | $ 59,000 |
| Jim Wells County Texas | 1 | $ 62,000 | $ 62,000 | $ 22,000 |
| Kenedy County Texas | 1 | $ 108,000 | $ 108,000 | $ 70,000 |
| Kerr County Texas | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Kimble County Texas | 1 | $ 38,000 | $ 38,000 | $ 30,000 |
| Leon County Texas | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| Liberty County Texas | 1 | $ 59,000 | $ 59,000 | $ 49,000 |
| Limestone County Texas | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| Llano County Texas | 1 | $ 53,000 | $ 53,000 | $ 37,000 |
| Mason County Texas | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Maverick County Texas | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Medina County Texas | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| Montague County Texas | 1 | $ 68,000 | $ 68,000 | $ 89,000 |
| Moore County Texas | 1 | $ 58,000 | $ 58,000 | $ 102,000 |
| Nacogdoches County Texas | 1 | $ 114,000 | $ 114,000 | $ 28,000 |
| Navarro County Texas | 1 | $ 114,000 | $ 114,000 | $ 84,000 |
| Newton County Texas | 1 | $ 81,000 | $ 81,000 | $ 80,000 |
| Oldham County Texas | 1 | $ 66,000 | $ 66,000 | $ 67,000 |
| Rains County Texas | 1 | $ 189,000 | $ 189,000 | $ 53,000 |
| Randall County Texas | 1 | $ 84,000 | $ 84,000 | $ 68,000 |
| Robertson County Texas | 1 | $ 38,000 | $ 38,000 | $ 43,000 |
| Titus County Texas | 1 | $ 65,000 | $ 65,000 | $ 170,000 |
| Tom Green County Texas | 1 | $ 57,000 | $ 57,000 | $ 75,000 |
| Waller County Texas | 1 | $ 72,000 | $ 72,000 | $ 85,000 |
| Webb County Texas | 1 | $ 89,000 | $ 89,000 | $ 100,000 |
| Wharton County Texas | 1 | $ 47,000 | $ 47,000 | $ 67,000 |
| Wise County Texas | 1 | $ 83,000 | $ 83,000 | $ 54,000 |
| Yoakum County Texas | 1 | $ 57,000 | $ 57,000 | $ 63,000 |
| Zavala County Texas | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Credit Union Of Texas in 2016
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 | 635 | $86,455,000 | $136,000 | $684,000 | $94,000 | $1,222,000 |
| Home Purchase | 530 | $54,112,000 | $102,000 | $1,000,000 | $119,000 | $1,224,000 |
| Home Improvement | 346 | $18,391,000 | $53,000 | $224,000 | $106,000 | $575,000 |
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 | 834 | $87,748,000 | $105,000 | $1,000,000 | $117,000 | $1,222,000 |
| Black or African American | 237 | $24,620,000 | $103,000 | $417,000 | $90,000 | $408,000 |
| Hispanic | 237 | $21,104,000 | $89,000 | $370,000 | $83,000 | $1,224,000 |
| Not Provided | 116 | $14,626,000 | $126,000 | $592,000 | $85,000 | $468,000 |
| Asian | 78 | $9,359,000 | $119,000 | $404,000 | $126,000 | $265,000 |
| American Indian or Alaskan Native | 7 | $1,362,000 | $194,000 | $475,000 | $184,000 | $286,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $139,000 | $69,000 | $91,000 | $98,000 | $145,000 |
| 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) | 1,499 | $157,055,000 | $104,000 | $1,000,000 | $106,000 | $1,224,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,153,000 | $192,000 | $318,000 | $89,000 | $209,000 |
| FHA-insured (Federal Housing Administration) | 5 | $663,000 | $132,000 | $267,000 | $76,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $87,000 | $87,000 | $87,000 | $43,000 | $43,000 |
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 Purchased By The Institution | 574 | $50,657,000 | $88,000 | $1,000,000 | $136,000 | $1,224,000 |
| Loan Originated | 407 | $40,960,000 | $100,000 | $389,000 | $88,000 | $301,000 |
| Application Withdrawn By Applicant | 299 | $41,493,000 | $138,000 | $590,000 | $92,000 | $575,000 |
| Application Denied By Financial Institution | 198 | $20,510,000 | $103,000 | $592,000 | $73,000 | $1,222,000 |
| File Closed For Incompleteness | 31 | $5,078,000 | $163,000 | $309,000 | $103,000 | $432,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $141,000 | $93,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 78 | $8,740,000 | $112,000 | $592,000 | $59,000 | $298,000 |
| Credit History | 77 | $8,454,000 | $109,000 | $425,000 | $88,000 | $1,222,000 |
| Other | 23 | $1,698,000 | $73,000 | $200,000 | $85,000 | $392,000 |
| Collateral | 11 | $674,000 | $61,000 | $124,000 | $70,000 | $122,000 |
| Employment History | 6 | $613,000 | $102,000 | $225,000 | $48,000 | $177,000 |
| Unverifiable Information | 2 | $137,000 | $68,000 | $105,000 | $43,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $194,000 | $194,000 | $194,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Of Texas's 2016 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 Credit Union Of Texas'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.