Houston Tx Fire Fighters FCU Mortgage Lending & HMDA Data, 2023
In 2023, Houston Tx Fire Fighters FCU of Houston, TX reported 193 mortgage applications totaling $32.3 million. The average application was for $167,590, and applicants reported an average income of $125,129. 35% of its applications resulted in an originated loan and 61% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (133), Dallas-Plano-Irving, TX (3) and Corpus Christi, TX (2) (applications in parentheses).
| Mortgage Company & Address | Houston Tx Fire Fighters FCU 4200 Kolb St. Houston, TX 77007 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 193 |
| Total Mortgage Loan Application Amount | $32,345,000 |
| Average Mortgage Loan Application Amount | $167,590 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $125,129 |
| Highest Applicant Income | $327,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Houston Tx Fire Fighters FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 133 | $ 17,845,000 | $ 134,172 | $ 129,000 |
| Outside any metro area | 50 | $ 12,840,000 | $ 256,800 | $ 111,800 |
| Dallas-Plano-Irving, TX | 3 | $ 365,000 | $ 121,666 | $ 112,000 |
| Corpus Christi, TX | 2 | $ 300,000 | $ 150,000 | $ 171,000 |
| Austin-Round Rock, TX | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Beaumont-Port Arthur, TX | 1 | $ 145,000 | $ 145,000 | $ 124,000 |
| College Station-Bryan, TX | 1 | $ 215,000 | $ 215,000 | $ 152,000 |
| Fort Worth-Arlington, TX | 1 | $ 445,000 | $ 445,000 | $ 209,000 |
| San Antonio-New Braunfels, TX | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Houston Tx Fire Fighters FCU 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 | 107 | $12,165,000 | $113,000 | $555,000 | $134,000 | $327,000 |
| Home Purchase | 79 | $19,125,000 | $242,000 | $495,000 | $111,000 | $301,000 |
| Refinancing | 4 | $590,000 | $147,000 | $305,000 | $161,000 | $237,000 |
| Other Purpose | 3 | $465,000 | $155,000 | $255,000 | $133,000 | $203,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 75 | $13,485,000 | $179,000 | $485,000 | $124,000 | $255,000 |
| White | 73 | $13,205,000 | $180,000 | $555,000 | $127,000 | $327,000 |
| Black or African American | 36 | $4,500,000 | $125,000 | $335,000 | $117,000 | $269,000 |
| Not Provided | 7 | $905,000 | $129,000 | $265,000 | $169,000 | $308,000 |
| Asian | 2 | $250,000 | $125,000 | $205,000 | $82,000 | $98,000 |
| 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) | 193 | $32,345,000 | $167,000 | $555,000 | $125,000 | $327,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 117 | $22,285,000 | $190,000 | $555,000 | $114,000 | $301,000 |
| Loan Originated | 67 | $8,575,000 | $127,000 | $315,000 | $147,000 | $327,000 |
| File Closed For Incompleteness | 7 | $1,315,000 | $187,000 | $445,000 | $96,000 | $209,000 |
| Application Withdrawn By Applicant | 2 | $170,000 | $85,000 | $95,000 | $114,000 | $116,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 76 | $10,060,000 | $132,000 | $445,000 | $141,000 | $327,000 |
| Debt-To-Income Ratio | 63 | $12,695,000 | $201,000 | $485,000 | $100,000 | $237,000 |
| Other | 40 | $7,560,000 | $189,000 | $555,000 | $130,000 | $244,000 |
| Credit Application Incomplete | 7 | $1,435,000 | $205,000 | $305,000 | $158,000 | $301,000 |
| Credit History | 3 | $185,000 | $61,000 | $75,000 | $72,000 | $106,000 |
| Collateral | 3 | $165,000 | $55,000 | $85,000 | $154,000 | $203,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Houston Tx Fire Fighters FCU'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 Houston Tx Fire Fighters FCU'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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