Lone Star Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Lone Star Credit Union of Dallas, TX reported 162 mortgage applications totaling $21.2 million, up 30% from 2022. The average application was for $130,864, and applicants reported an average income of $106,574. 43% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Dallas-Plano-Irving, TX (81), Fort Worth-Arlington, TX (2) and Chicago-Naperville, IL (1) (applications in parentheses).
| Mortgage Company & Address | Lone Star Credit Union 7508 Ferguson Road Dallas, TX 75228 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 | 162 |
| Total Mortgage Loan Application Amount | $21,200,000 |
| Average Mortgage Loan Application Amount | $130,864 |
| Highest Mortgage Loan Application Amount | $935,000 |
| Average Applicant Income | $106,574 |
| Highest Applicant Income | $541,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lone Star Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 81 | $ 11,725,000 | $ 144,753 | $ 113,000 |
| Outside any metro area | 72 | $ 7,240,000 | $ 100,555 | $ 98,375 |
| Fort Worth-Arlington, TX | 2 | $ 360,000 | $ 180,000 | $ 104,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Corpus Christi, TX | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| El Paso, TX | 1 | $ 455,000 | $ 455,000 | $ 85,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 425,000 | $ 425,000 | $ 214,000 |
| San Antonio-New Braunfels, TX | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Tyler, TX | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Lone Star Credit Union 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 |
|---|---|---|---|---|---|---|
| Other Purpose | 56 | $4,890,000 | $87,000 | $245,000 | $116,000 | $541,000 |
| Refinancing | 42 | $5,100,000 | $121,000 | $455,000 | $95,000 | $191,000 |
| Home Improvement | 26 | $2,170,000 | $83,000 | $205,000 | $108,000 | $300,000 |
| Home Purchase | 19 | $5,535,000 | $291,000 | $935,000 | $111,000 | $280,000 |
| Cash-out Refinancing | 19 | $3,505,000 | $184,000 | $485,000 | $98,000 | $204,000 |
| Not Applicable | 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 | 76 | $9,270,000 | $121,000 | $455,000 | $109,000 | $541,000 |
| Hispanic | 47 | $5,295,000 | $112,000 | $295,000 | $89,000 | $300,000 |
| Black or African American | 17 | $1,695,000 | $99,000 | $305,000 | $98,000 | $268,000 |
| Not Provided | 14 | $3,050,000 | $217,000 | $935,000 | $143,000 | $280,000 |
| American Indian or Alaskan Native | 4 | $490,000 | $122,000 | $235,000 | $83,000 | $191,000 |
| Asian | 4 | $1,400,000 | $350,000 | $515,000 | $192,000 | $214,000 |
| 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) | 162 | $21,200,000 | $130,000 | $935,000 | $106,000 | $541,000 |
| 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 | 70 | $7,840,000 | $112,000 | $935,000 | $114,000 | $541,000 |
| Application Denied By Financial Institution | 67 | $7,035,000 | $105,000 | $455,000 | $100,000 | $300,000 |
| Application Withdrawn By Applicant | 17 | $4,205,000 | $247,000 | $515,000 | $106,000 | $214,000 |
| File Closed For Incompleteness | 4 | $1,040,000 | $260,000 | $455,000 | $103,000 | $151,000 |
| Preapproval Approved but not Accepted | 3 | $825,000 | $275,000 | $295,000 | $74,000 | $82,000 |
| Application Approved But Not Accepted | 1 | $255,000 | $255,000 | $255,000 | $120,000 | $120,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 95 | $14,165,000 | $149,000 | $935,000 | $111,000 | $541,000 |
| Credit History | 24 | $2,660,000 | $110,000 | $385,000 | $111,000 | $278,000 |
| Debt-To-Income Ratio | 20 | $2,710,000 | $135,000 | $455,000 | $63,000 | $198,000 |
| Other | 16 | $1,330,000 | $83,000 | $225,000 | $139,000 | $300,000 |
| Collateral | 6 | $270,000 | $45,000 | $75,000 | $89,000 | $162,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lone Star Credit Union'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 Lone Star 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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