Houston Police Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, Houston Police Federal Credit Union of Houston, TX reported 274 mortgage applications totaling $33.9 million, down 28% from 2016. The average application was for $123,547, and applicants reported an average income of $107,598. 72% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (256), Austin-Round Rock, TX (3) and College Station-Bryan, TX (2) (applications in parentheses).
| Mortgage Company & Address | Houston Police Federal Credit Union 1600 Memorial Dr Houston, TX 77007 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 274 |
| Total Mortgage Loan Application Amount | $33,852,000 |
| Average Mortgage Loan Application Amount | $123,547 |
| Highest Mortgage Loan Application Amount | $520,000 |
| Average Applicant Income | $107,598 |
| Highest Applicant Income | $314,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Houston Police Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 173 | $ 17,858,000 | $ 103,225 | $ 105,000 |
| Fort Bend, Texas | 27 | $ 2,833,000 | $ 104,925 | $ 104,000 |
| Montgomery, Texas | 27 | $ 5,585,000 | $ 206,851 | $ 109,000 |
| Brazoria, Texas | 13 | $ 1,779,000 | $ 136,846 | $ 127,000 |
| Galveston, Texas | 11 | $ 1,718,000 | $ 156,181 | $ 135,000 |
| San Jacinto, Texas | 4 | $ 535,000 | $ 133,750 | $ 115,000 |
| Waller, Texas | 3 | $ 638,000 | $ 212,666 | $ 156,000 |
| Brazos, Texas | 2 | $ 746,000 | $ 373,000 | $ 59,000 |
| Fayette, Texas | 2 | $ 290,000 | $ 145,000 | $ 116,000 |
| Grimes, Texas | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Austin, Texas | 1 | $ 44,000 | $ 44,000 | $ 58,000 |
| Bastrop, Texas | 1 | $ 250,000 | $ 250,000 | $ 79,000 |
| Burnet, Texas | 1 | $ 350,000 | $ 350,000 | $ 97,000 |
| Hill, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Liberty, Texas | 1 | $ 181,000 | $ 181,000 | $ 122,000 |
| Nueces, Texas | 1 | $ 134,000 | $ 134,000 | $ 69,000 |
| Tarrant, Texas | 1 | $ 17,000 | $ 17,000 | $ 109,000 |
| Travis, Texas | 1 | $ 222,000 | $ 222,000 | $ 96,000 |
| Washington, Texas | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Williamson, Texas | 1 | $ 337,000 | $ 337,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Houston Police Federal Credit Union in 2017
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 | 172 | $22,700,000 | $131,000 | $520,000 | $104,000 | $277,000 |
| Home Improvement | 85 | $7,447,000 | $87,000 | $300,000 | $113,000 | $314,000 |
| Home Purchase | 17 | $3,705,000 | $217,000 | $380,000 | $117,000 | $231,000 |
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 | 125 | $17,633,000 | $141,000 | $520,000 | $112,000 | $277,000 |
| Hispanic | 70 | $6,854,000 | $97,000 | $464,000 | $96,000 | $216,000 |
| Black or African American | 63 | $6,444,000 | $102,000 | $400,000 | $106,000 | $314,000 |
| Asian | 9 | $1,462,000 | $162,000 | $260,000 | $131,000 | $222,000 |
| Not Provided | 7 | $1,459,000 | $208,000 | $384,000 | $114,000 | $164,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 272 | $33,285,000 | $122,000 | $520,000 | $108,000 | $314,000 |
| FHA-insured (Federal Housing Administration) | 1 | $147,000 | $147,000 | $147,000 | $192,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 1 | $420,000 | $420,000 | $420,000 | $37,000 | $37,000 |
| 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 | 198 | $21,116,000 | $106,000 | $520,000 | $111,000 | $314,000 |
| Application Withdrawn By Applicant | 42 | $6,764,000 | $161,000 | $480,000 | $103,000 | $231,000 |
| Application Denied By Financial Institution | 25 | $4,097,000 | $163,000 | $420,000 | $91,000 | $237,000 |
| File Closed For Incompleteness | 8 | $1,549,000 | $193,000 | $400,000 | $112,000 | $200,000 |
| Application Approved But Not Accepted | 1 | $326,000 | $326,000 | $326,000 | $81,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $2,328,000 | $136,000 | $420,000 | $94,000 | $237,000 |
| Debt-To-Income Ratio | 6 | $1,591,000 | $265,000 | $384,000 | $95,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $53,000 | $53,000 |
| Other | 1 | $88,000 | $88,000 | $88,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Houston Police Federal Credit Union's 2017 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 Houston Police 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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