Credit Union of Texas Mortgage Lending & HMDA Data, 2023
In 2023, Credit Union of Texas of Allen, TX reported 5,292 mortgage applications totaling $581.5 million, up 31% from 2022. The average application was for $109,886, and applicants reported an average income of $133,474. 54% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Dallas-Plano-Irving, TX (3,893), Fort Worth-Arlington, TX (390) and Houston-The Woodlands-Sugar Land, TX (304) (applications in parentheses).
| Mortgage Company & Address | Credit Union of Texas 8131 Lbj Freeway, Suite 500 Allen, TX 75013 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 5,292 |
| Total Mortgage Loan Application Amount | $581,520,000 |
| Average Mortgage Loan Application Amount | $109,886 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $133,474 |
| Highest Applicant Income | $2,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Credit Union of Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 1,796 | $ 175,330,000 | $ 97,622 | $ 102,000 |
| Collin, Texas | 944 | $ 127,320,000 | $ 134,872 | $ 165,000 |
| Denton, Texas | 556 | $ 68,630,000 | $ 123,435 | $ 162,000 |
| Tarrant, Texas | 320 | $ 34,660,000 | $ 108,312 | $ 137,000 |
| Kaufman, Texas | 204 | $ 17,360,000 | $ 85,098 | $ 124,000 |
| Rockwall, Texas | 202 | $ 23,750,000 | $ 117,574 | $ 159,000 |
| Harris, Texas | 149 | $ 17,695,000 | $ 118,758 | $ 143,000 |
| Ellis, Texas | 123 | $ 10,485,000 | $ 85,243 | $ 131,000 |
| Travis, Texas | 69 | $ 9,885,000 | $ 143,260 | $ 197,000 |
| Hunt, Texas | 68 | $ 6,450,000 | $ 94,852 | $ 141,000 |
| Montgomery, Texas | 62 | $ 6,200,000 | $ 100,000 | $ 134,000 |
| Fort Bend, Texas | 54 | $ 7,120,000 | $ 131,851 | $ 171,000 |
| Bexar, Texas | 52 | $ 5,290,000 | $ 101,730 | $ 145,000 |
| Upshur, Texas | 44 | $ 3,330,000 | $ 75,681 | $ 114,000 |
| Grayson, Texas | 39 | $ 3,205,000 | $ 82,179 | $ 126,000 |
| Williamson, Texas | 39 | $ 4,575,000 | $ 117,307 | $ 176,000 |
| Johnson, Texas | 35 | $ 3,115,000 | $ 89,000 | $ 145,000 |
| Smith, Texas | 29 | $ 3,035,000 | $ 104,655 | $ 127,000 |
| El Paso, Texas | 24 | $ 2,660,000 | $ 110,833 | $ 131,000 |
| Bell, Texas | 19 | $ 1,505,000 | $ 79,210 | $ 129,000 |
| Parker, Texas | 19 | $ 2,945,000 | $ 155,000 | $ 193,000 |
| Galveston, Texas | 17 | $ 1,265,000 | $ 74,411 | $ 147,000 |
| Henderson, Texas | 16 | $ 1,420,000 | $ 88,750 | $ 84,000 |
| Hidalgo, Texas | 16 | $ 1,480,000 | $ 92,500 | $ 149,000 |
| Wise, Texas | 16 | $ 1,750,000 | $ 109,375 | $ 186,000 |
| Brazoria, Texas | 15 | $ 1,475,000 | $ 98,333 | $ 172,000 |
| Hays, Texas | 14 | $ 1,810,000 | $ 129,285 | $ 147,000 |
| Wood, Texas | 12 | $ 1,230,000 | $ 102,500 | $ 104,000 |
| McLennan, Texas | 11 | $ 2,105,000 | $ 191,363 | $ 118,000 |
| Bastrop, Texas | 10 | $ 840,000 | $ 84,000 | $ 157,000 |
| Gregg, Texas | 10 | $ 740,000 | $ 74,000 | $ 88,000 |
| Guadalupe, Texas | 10 | $ 890,000 | $ 89,000 | $ 148,000 |
| Comal, Texas | 9 | $ 1,175,000 | $ 130,555 | $ 154,000 |
| Harrison, Texas | 9 | $ 505,000 | $ 56,111 | $ 84,000 |
| Lubbock, Texas | 9 | $ 475,000 | $ 52,777 | $ 121,000 |
| Van Zandt, Texas | 9 | $ 675,000 | $ 75,000 | $ 106,000 |
| Camp, Texas | 8 | $ 710,000 | $ 88,750 | $ 154,000 |
| Hood, Texas | 8 | $ 810,000 | $ 101,250 | $ 144,000 |
| Nueces, Texas | 8 | $ 790,000 | $ 98,750 | $ 167,000 |
| Rains, Texas | 8 | $ 890,000 | $ 111,250 | $ 114,000 |
| Webb, Texas | 8 | $ 840,000 | $ 105,000 | $ 140,000 |
| Brazos, Texas | 7 | $ 975,000 | $ 139,285 | $ 209,000 |
| Hill, Texas | 7 | $ 485,000 | $ 69,285 | $ 73,000 |
| Anderson, Texas | 6 | $ 350,000 | $ 58,333 | $ 60,000 |
| Jefferson, Texas | 6 | $ 460,000 | $ 76,666 | $ 84,000 |
| Midland, Texas | 6 | $ 400,000 | $ 66,666 | $ 134,000 |
| Cameron, Texas | 5 | $ 465,000 | $ 93,000 | $ 92,000 |
| Coryell, Texas | 5 | $ 815,000 | $ 163,000 | $ 154,000 |
| Ector, Texas | 5 | $ 315,000 | $ 63,000 | $ 139,000 |
| Franklin, Texas | 5 | $ 595,000 | $ 119,000 | $ 134,000 |
| Kendall, Texas | 5 | $ 695,000 | $ 139,000 | $ 159,000 |
| Lamar, Texas | 5 | $ 365,000 | $ 73,000 | $ 151,000 |
| Nacogdoches, Texas | 5 | $ 1,225,000 | $ 245,000 | $ 336,000 |
| Navarro, Texas | 5 | $ 615,000 | $ 123,000 | $ 79,000 |
| Bowie, Texas | 4 | $ 530,000 | $ 132,500 | $ 135,000 |
| Cooke, Texas | 4 | $ 560,000 | $ 140,000 | $ 84,000 |
| Fannin, Texas | 4 | $ 240,000 | $ 60,000 | $ 128,000 |
| Gillespie, Texas | 4 | $ 650,000 | $ 162,500 | $ 120,000 |
| Orange, Texas | 4 | $ 260,000 | $ 65,000 | $ 88,000 |
| Taylor, Texas | 4 | $ 950,000 | $ 237,500 | $ 129,000 |
| Waller, Texas | 4 | $ 290,000 | $ 72,500 | $ 156,000 |
| Burnet, Texas | 3 | $ 635,000 | $ 211,666 | $ 262,000 |
| Clay, Texas | 3 | $ 365,000 | $ 121,666 | $ 137,000 |
| Freestone, Texas | 3 | $ 305,000 | $ 101,666 | $ 67,000 |
| Hardin, Texas | 3 | $ 185,000 | $ 61,666 | $ 62,000 |
| Jasper, Texas | 3 | $ 155,000 | $ 51,666 | $ 82,000 |
| McCulloch, Texas | 3 | $ 215,000 | $ 71,666 | $ 34,000 |
| Walker, Texas | 3 | $ 305,000 | $ 101,666 | $ 79,000 |
| San Mateo, California | 2 | $ 660,000 | $ 330,000 | $ 270,000 |
| St. Louis, Missouri | 2 | $ 150,000 | $ 75,000 | $ 27,000 |
| Brown, Texas | 2 | $ 220,000 | $ 110,000 | $ 87,000 |
| Cass, Texas | 2 | $ 160,000 | $ 80,000 | $ 92,000 |
| Chambers, Texas | 2 | $ 180,000 | $ 90,000 | $ 148,000 |
| Cherokee, Texas | 2 | $ 480,000 | $ 240,000 | $ 359,000 |
| Coleman, Texas | 2 | $ 90,000 | $ 45,000 | $ 146,000 |
| Hopkins, Texas | 2 | $ 840,000 | $ 420,000 | $ 58,000 |
| Howard, Texas | 2 | $ 60,000 | $ 30,000 | $ 68,000 |
| Lampasas, Texas | 2 | $ 200,000 | $ 100,000 | $ 108,000 |
| Llano, Texas | 2 | $ 170,000 | $ 85,000 | $ 88,000 |
| Lynn, Texas | 2 | $ 70,000 | $ 35,000 | $ 96,000 |
| Palo Pinto, Texas | 2 | $ 490,000 | $ 245,000 | $ 109,000 |
| Polk, Texas | 2 | $ 160,000 | $ 80,000 | $ 125,000 |
| Randall, Texas | 2 | $ 180,000 | $ 90,000 | $ 122,000 |
| Somervell, Texas | 2 | $ 260,000 | $ 130,000 | $ 150,000 |
| Titus, Texas | 2 | $ 940,000 | $ 470,000 | $ 40,000 |
| Tom Green, Texas | 2 | $ 90,000 | $ 45,000 | $ 82,000 |
| Victoria, Texas | 2 | $ 80,000 | $ 40,000 | $ 332,000 |
| Washington, Texas | 2 | $ 150,000 | $ 75,000 | $ 155,000 |
| Wichita, Texas | 2 | $ 230,000 | $ 115,000 | $ 151,000 |
| Montgomery, Alabama | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Los Angeles, California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Teller, Colorado | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| New London, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 144,000 |
| Cook, Illinois | 1 | $ 755,000 | $ 755,000 | $ 29,000 |
| Madison, Illinois | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Vanderburgh, Indiana | 1 | $ 35,000 | $ 35,000 | $ 300,000 |
| Johnson, Kansas | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Montgomery, Maryland | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Wayne, Michigan | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Douglas, Nebraska | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| McCurtain, Oklahoma | 1 | $ 515,000 | $ 515,000 | $ 212,000 |
| Oklahoma, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 335,000 |
| Tulsa, Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Angelina, Texas | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Aransas, Texas | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Archer, Texas | 1 | $ 35,000 | $ 35,000 | $ 169,000 |
| Atascosa, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bandera, Texas | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Blanco, Texas | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Bosque, Texas | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Burleson, Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Caldwell, Texas | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Colorado, Texas | 1 | $ 85,000 | $ 85,000 | $ 197,000 |
| Crane, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Deaf Smith, Texas | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| DeWitt, Texas | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Eastland, Texas | 1 | $ 15,000 | $ 15,000 | $ 117,000 |
| Gray, Texas | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Grimes, Texas | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Hale, Texas | 1 | $ 55,000 | $ 55,000 | $ 153,000 |
| Hall, Texas | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Hockley, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jack, Texas | 1 | $ 305,000 | $ 305,000 | $ 299,000 |
| Kent, Texas | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Kleberg, Texas | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Leon, Texas | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Liberty, Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Limestone, Texas | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Matagorda, Texas | 1 | $ 105,000 | $ 105,000 | $ 137,000 |
| Milam, Texas | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Mills, Texas | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Montague, Texas | 1 | $ 205,000 | $ 205,000 | $ 293,000 |
| Moore, Texas | 1 | $ 105,000 | $ 105,000 | $ 178,000 |
| Morris, Texas | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Panola, Texas | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Pecos, Texas | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Real, Texas | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Red River, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Refugio, Texas | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Robertson, Texas | 1 | $ 255,000 | $ 255,000 | $ 145,000 |
| Rusk, Texas | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| San Augustine, Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Scurry, Texas | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Shelby, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Trinity, Texas | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Wilson, Texas | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Milwaukee, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Credit Union of Texas in 2023
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 | 5,260 | $578,610,000 | $110,000 | $1,505,000 | $134,000 | $2,500,000 |
| Home Purchase | 31 | $2,865,000 | $92,000 | $245,000 | $46,000 | $46,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $81,000 | $81,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 1,765 | $203,275,000 | $115,000 | $1,505,000 | $155,000 | $2,500,000 |
| Hispanic | 1,272 | $116,590,000 | $91,000 | $1,005,000 | $110,000 | $1,800,000 |
| Black or African American | 988 | $91,520,000 | $92,000 | $755,000 | $110,000 | $900,000 |
| Not Provided | 801 | $98,565,000 | $123,000 | $755,000 | $136,000 | $2,100,000 |
| Asian | 300 | $47,970,000 | $159,000 | $755,000 | $171,000 | $800,000 |
| Not applicable | 40 | $4,480,000 | $112,000 | $665,000 | $92,000 | $119,000 |
| American Indian or Alaskan Native | 37 | $3,605,000 | $97,000 | $355,000 | $140,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $1,845,000 | $123,000 | $305,000 | $180,000 | $1,350,000 |
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) | 5,291 | $581,415,000 | $109,000 | $1,505,000 | $134,000 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 1 | $105,000 | $105,000 | $105,000 | $118,000 | $118,000 |
| 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 | 2,868 | $329,510,000 | $114,000 | $1,505,000 | $143,000 | $2,500,000 |
| Application Denied By Financial Institution | 1,389 | $136,395,000 | $98,000 | $755,000 | $115,000 | $1,400,000 |
| Application Withdrawn By Applicant | 539 | $61,295,000 | $113,000 | $755,000 | $131,000 | $1,800,000 |
| Application Approved But Not Accepted | 408 | $43,920,000 | $107,000 | $605,000 | $143,000 | $2,100,000 |
| File Closed For Incompleteness | 57 | $7,495,000 | $131,000 | $1,005,000 | $115,000 | $470,000 |
| Loan Purchased By The Institution | 31 | $2,905,000 | $93,000 | $245,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,903 | $445,125,000 | $114,000 | $1,505,000 | $141,000 | $2,500,000 |
| Credit History | 452 | $39,260,000 | $86,000 | $755,000 | $108,000 | $1,400,000 |
| Collateral | 376 | $41,460,000 | $110,000 | $755,000 | $147,000 | $1,350,000 |
| Debt-To-Income Ratio | 335 | $32,005,000 | $95,000 | $395,000 | $80,000 | $506,000 |
| Credit Application Incomplete | 166 | $17,810,000 | $107,000 | $755,000 | $130,000 | $675,000 |
| Other | 47 | $3,995,000 | $85,000 | $345,000 | $109,000 | $340,000 |
| Unverifiable Information | 9 | $905,000 | $100,000 | $195,000 | $104,000 | $240,000 |
| Employment History | 2 | $820,000 | $410,000 | $655,000 | $136,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $105,000 | $137,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union of Texas's 2023 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.
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