Credit Union Of Texas
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Credit Union Of Texas 2021 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 | 2,607 |
| Total Mortgage Loan Application Amount | $329,805,000 |
| Average Mortgage Loan Application Amount | $120,666 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $59,666 |
| Highest Applicant Income | $7,440,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,011 | $ 118,125,000 | $ 116,000 | $ 103,000 |
| Collin County Texas | 417 | $ 55,125,000 | $ 132,000 | $ 167,000 |
| Denton County Texas | 260 | $ 31,920,000 | $ 122,000 | $ 158,000 |
| Tarrant County Texas | 150 | $ 19,200,000 | $ 128,000 | $ 148,000 |
| Rockwall County Texas | 108 | $ 9,680,000 | $ 89,000 | $ 153,000 |
| Harris County Texas | 70 | $ 9,480,000 | $ 135,000 | $ 124,000 |
| Travis County Texas | 54 | $ 12,300,000 | $ 227,000 | $ 517,000 |
| Kaufman County Texas | 52 | $ 4,920,000 | $ 94,000 | $ 114,000 |
| Ellis County Texas | 42 | $ 4,770,000 | $ 113,000 | $ 114,000 |
| Williamson County Texas | 29 | $ 3,985,000 | $ 137,000 | $ 182,000 |
| Fort Bend County Texas | 25 | $ 3,605,000 | $ 144,000 | $ 151,000 |
| Hunt County Texas | 24 | $ 1,940,000 | $ 80,000 | $ 124,000 |
| Montgomery County Texas | 22 | $ 2,510,000 | $ 114,000 | $ 168,000 |
| Johnson County Texas | 15 | $ 1,875,000 | $ 125,000 | $ 92,000 |
| Parker County Texas | 13 | $ 2,545,000 | $ 195,000 | $ 169,000 |
| Bexar County Texas | 11 | $ 1,145,000 | $ 104,000 | $ 189,000 |
| El Paso County Texas | 11 | $ 1,315,000 | $ 119,000 | $ 76,000 |
| Grayson County Texas | 11 | $ 2,625,000 | $ 238,000 | $ 206,000 |
| Hays County Texas | 10 | $ 2,140,000 | $ 214,000 | $ 240,000 |
| Henderson County Texas | 10 | $ 2,040,000 | $ 204,000 | $ 97,000 |
| Brazoria County Texas | 9 | $ 955,000 | $ 106,000 | $ 143,000 |
| Hidalgo County Texas | 8 | $ 1,220,000 | $ 152,000 | $ 90,000 |
| Wood County Texas | 8 | $ 590,000 | $ 73,000 | $ 111,000 |
| Van Zandt County Texas | 7 | $ 445,000 | $ 63,000 | $ 111,000 |
| Gregg County Texas | 6 | $ 430,000 | $ 71,000 | $ 57,000 |
| Hood County Texas | 6 | $ 490,000 | $ 81,000 | $ 128,000 |
| Nueces County Texas | 6 | $ 790,000 | $ 131,000 | $ 259,000 |
| Smith County Texas | 6 | $ 350,000 | $ 58,000 | $ 84,000 |
| Titus County Texas | 6 | $ 630,000 | $ 105,000 | $ 73,000 |
| Comal County Texas | 5 | $ 605,000 | $ 121,000 | $ 124,000 |
| Bell County Texas | 4 | $ 1,000,000 | $ 250,000 | $ 55,000 |
| Bowie County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 131,000 |
| Galveston County Texas | 4 | $ 1,010,000 | $ 252,000 | $ 127,000 |
| Guadalupe County Texas | 4 | $ 790,000 | $ 197,000 | $ 127,000 |
| Liberty County Texas | 4 | $ 410,000 | $ 102,000 | $ 62,000 |
| McLennan County Texas | 4 | $ 320,000 | $ 80,000 | $ 199,000 |
| Wilson County Texas | 4 | $ 890,000 | $ 222,000 | $ 0 |
| Cass County Texas | 3 | $ 185,000 | $ 61,000 | $ 72,000 |
| Ector County Texas | 3 | $ 375,000 | $ 125,000 | $ 60,000 |
| Grimes County Texas | 3 | $ 415,000 | $ 138,000 | $ 161,000 |
| Hill County Texas | 3 | $ 235,000 | $ 78,000 | $ 90,000 |
| Howard County Texas | 3 | $ 215,000 | $ 71,000 | $ 95,000 |
| Jefferson County Texas | 3 | $ 165,000 | $ 55,000 | $ 61,000 |
| Kendall County Texas | 3 | $ 1,165,000 | $ 388,000 | $ 355,000 |
| Midland County Texas | 3 | $ 205,000 | $ 68,000 | $ 121,000 |
| Milam County Texas | 3 | $ 225,000 | $ 75,000 | $ 77,000 |
| Rains County Texas | 3 | $ 135,000 | $ 45,000 | $ 114,000 |
| Rusk County Texas | 3 | $ 435,000 | $ 145,000 | $ 113,000 |
| Taylor County Texas | 3 | $ 875,000 | $ 291,000 | $ 62,000 |
| Upshur County Texas | 3 | $ 155,000 | $ 51,000 | $ 0 |
| Victoria County Texas | 3 | $ 285,000 | $ 95,000 | $ 68,000 |
| Wise County Texas | 3 | $ 1,015,000 | $ 338,000 | $ 106,000 |
| Bandera County Texas | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Bastrop County Texas | 2 | $ 1,010,000 | $ 505,000 | $ 18,000 |
| Brazos County Texas | 2 | $ 200,000 | $ 100,000 | $ 126,000 |
| Burleson County Texas | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Cameron County Texas | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Chambers County Texas | 2 | $ 70,000 | $ 35,000 | $ 79,000 |
| Coryell County Texas | 2 | $ 330,000 | $ 165,000 | $ 119,000 |
| Fannin County Texas | 2 | $ 200,000 | $ 100,000 | $ 107,000 |
| Fayette County Texas | 2 | $ 370,000 | $ 185,000 | $ 60,000 |
| Hopkins County Texas | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Leon County Texas | 2 | $ 250,000 | $ 125,000 | $ 24,000 |
| Lubbock County Texas | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| McCulloch County Texas | 2 | $ 170,000 | $ 85,000 | $ 104,000 |
| Medina County Texas | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Nacogdoches County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Orange County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Panola County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Potter County Texas | 2 | $ 140,000 | $ 70,000 | $ 0 |
| San Jacinto County Texas | 2 | $ 270,000 | $ 135,000 | $ 101,000 |
| San Patricio County Texas | 2 | $ 80,000 | $ 40,000 | $ 82,000 |
| Tom Green County Texas | 2 | $ 80,000 | $ 40,000 | $ 58,000 |
| Uvalde County Texas | 2 | $ 1,010,000 | $ 505,000 | $ 57,000 |
| Waller County Texas | 2 | $ 110,000 | $ 55,000 | $ 109,000 |
| Webb County Texas | 2 | $ 190,000 | $ 95,000 | $ 95,000 |
| Wharton County Texas | 2 | $ 120,000 | $ 60,000 | $ 75,000 |
| Anchorage County Alaska | 1 | $ 5,000 | $ 5,000 | $ 46,000 |
| Los Angeles County California | 1 | $ 105,000 | $ 105,000 | $ 2,051,000 |
| Riverside County California | 1 | $ 755,000 | $ 755,000 | $ 132,000 |
| San Diego County California | 1 | $ 755,000 | $ 755,000 | $ 240,000 |
| Shoshone County Idaho | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| East Baton Rouge County Louisiana | 1 | $ 755,000 | $ 755,000 | $ 60,000 |
| Orleans County Louisiana | 1 | $ 755,000 | $ 755,000 | $ 27,000 |
| Aransas County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Atascosa County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Austin County Texas | 1 | $ 235,000 | $ 235,000 | $ 143,000 |
| Bosque County Texas | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Carson County Texas | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| Cherokee County Texas | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Collingsworth County Texas | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Cooke County Texas | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Crane County Texas | 1 | $ 755,000 | $ 755,000 | $ 72,000 |
| Delta County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| DeWitt County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Freestone County Texas | 1 | $ 755,000 | $ 755,000 | $ 36,000 |
| Gillespie County Texas | 1 | $ 205,000 | $ 205,000 | $ 175,000 |
| Hockley County Texas | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Houston County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jackson County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jasper County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Kerr County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kimble County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| La Salle County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lamar County Texas | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Montague County Texas | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| Navarro County Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Newton County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Polk County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Randall County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Red River County Texas | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Reeves County Texas | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Refugio County Texas | 1 | $ 755,000 | $ 755,000 | $ 42,000 |
| Schleicher County Texas | 1 | $ 755,000 | $ 755,000 | $ 7,440,000 |
| Shelby County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Somervell County Texas | 1 | $ 125,000 | $ 125,000 | $ 272,000 |
| Walker County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Ward County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Washington County Texas | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| Wilbarger County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Young County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Culpeper County Virginia | 1 | $ 755,000 | $ 755,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Credit Union Of Texas in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 2,502 | $317,070,000 | $126,000 | $1,205,000 | $141,000 | $7,440,000 |
| Home Purchase | 103 | $12,505,000 | $121,000 | $325,000 | $38,000 | $48,000 |
| Refinancing | 2 | $230,000 | $115,000 | $185,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 981 | $115,815,000 | $118,000 | $1,205,000 | $160,000 | $7,200,000 |
| Not Provided | 457 | $76,835,000 | $168,000 | $755,000 | $154,000 | $7,440,000 |
| Black or African American | 394 | $35,200,000 | $89,000 | $485,000 | $108,000 | $700,000 |
| Hispanic | 311 | $30,775,000 | $98,000 | $755,000 | $104,000 | $950,000 |
| Not applicable | 263 | $40,965,000 | $155,000 | $755,000 | $113,000 | $3,600,000 |
| Asian | 47 | $8,075,000 | $171,000 | $405,000 | $180,000 | $840,000 |
| American Indian or Alaskan Native | 15 | $1,055,000 | $70,000 | $205,000 | $118,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $365,000 | $73,000 | $105,000 | $83,000 | $130,000 |
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) | 2,607 | $329,805,000 | $126,000 | $1,205,000 | $141,000 | $7,440,000 |
| 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 | 1,716 | $199,640,000 | $116,000 | $1,205,000 | $145,000 | $7,200,000 |
| Application Denied By Financial Institution | 407 | $70,045,000 | $172,000 | $755,000 | $146,000 | $7,440,000 |
| Application Withdrawn By Applicant | 192 | $28,840,000 | $150,000 | $755,000 | $102,000 | $1,836,000 |
| Application Approved But Not Accepted | 189 | $18,775,000 | $99,000 | $375,000 | $124,000 | $609,000 |
| Loan Purchased By The Institution | 103 | $12,505,000 | $121,000 | $325,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2,200 | $259,760,000 | $118,000 | $1,205,000 | $140,000 | $7,200,000 |
| Credit History | 257 | $51,845,000 | $201,000 | $755,000 | $128,000 | $7,200,000 |
| Collateral | 103 | $13,085,000 | $127,000 | $755,000 | $226,000 | $7,440,000 |
| Debt-To-Income Ratio | 35 | $3,185,000 | $91,000 | $755,000 | $68,000 | $240,000 |
| Credit Application Incomplete | 11 | $1,865,000 | $169,000 | $755,000 | $93,000 | $195,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union Of Texas's 2021 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.