Members Trust of the Swfcu Mortgage Lending & HMDA Data, 2023
In 2023, Members Trust of the Swfcu of Houston, TX reported 39 mortgage applications totaling $8.5 million. The average application was for $217,307, and applicants reported an average income of $109,025. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (11), Fort Worth-Arlington, TX (2) and Oklahoma City, OK (1) (applications in parentheses).
| Mortgage Company & Address | Members Trust of the Swfcu 2315 Mangum Rd Houston, TX 77092 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 39 |
| Total Mortgage Loan Application Amount | $8,475,000 |
| Average Mortgage Loan Application Amount | $217,307 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $109,025 |
| Highest Applicant Income | $317,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Members Trust of the Swfcu filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Erath, Texas | 12 | $ 2,430,000 | $ 202,500 | $ 119,000 |
| Harris, Texas | 8 | $ 1,290,000 | $ 161,250 | $ 100,000 |
| Comanche, Texas | 5 | $ 1,245,000 | $ 249,000 | $ 119,000 |
| Montgomery, Texas | 2 | $ 420,000 | $ 210,000 | $ 89,000 |
| Tarrant, Texas | 2 | $ 290,000 | $ 145,000 | $ 121,000 |
| McClain, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 15,000 |
| Austin, Texas | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Hamilton, Texas | 1 | $ 515,000 | $ 515,000 | $ 157,000 |
| Milam, Texas | 1 | $ 415,000 | $ 415,000 | $ 165,000 |
| Navarro, Texas | 1 | $ 45,000 | $ 45,000 | $ 168,000 |
| Palo Pinto, Texas | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Members Trust of the Swfcu 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 | 17 | $2,035,000 | $119,000 | $285,000 | $96,000 | $235,000 |
| Home Purchase | 14 | $3,660,000 | $261,000 | $545,000 | $108,000 | $243,000 |
| Refinancing | 5 | $1,865,000 | $373,000 | $515,000 | $167,000 | $317,000 |
| Home Improvement | 3 | $915,000 | $305,000 | $405,000 | $91,000 | $149,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 29 | $7,095,000 | $244,000 | $545,000 | $115,000 | $317,000 |
| Hispanic | 7 | $1,135,000 | $162,000 | $245,000 | $103,000 | $205,000 |
| Not Provided | 3 | $245,000 | $81,000 | $95,000 | $68,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 39 | $8,475,000 | $217,000 | $545,000 | $109,000 | $317,000 |
| 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 | 21 | $4,515,000 | $215,000 | $515,000 | $129,000 | $317,000 |
| Application Denied By Financial Institution | 7 | $1,495,000 | $213,000 | $525,000 | $76,000 | $168,000 |
| File Closed For Incompleteness | 5 | $1,615,000 | $323,000 | $545,000 | $99,000 | $165,000 |
| Application Withdrawn By Applicant | 4 | $600,000 | $150,000 | $245,000 | $77,000 | $128,000 |
| Preapproval Approved but not Accepted | 2 | $250,000 | $125,000 | $165,000 | $93,000 | $107,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 32 | $6,980,000 | $218,000 | $545,000 | $116,000 | $317,000 |
| Debt-To-Income Ratio | 5 | $1,385,000 | $277,000 | $525,000 | $42,000 | $85,000 |
| Credit History | 2 | $110,000 | $55,000 | $65,000 | $143,000 | $168,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 Members Trust of the Swfcu'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 Members Trust of the Swfcu'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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