Nizari Progressive FCU Mortgage Lending & HMDA Data, 2018
In 2018, Nizari Progressive FCU of Sugar Land, TX reported 75 mortgage applications totaling $25.9 million, up 15% from 2017. The average application was for $345,666, and applicants reported an average income of $147,880. 36% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (41), Dallas-Plano-Irving, TX (10) and Fort Worth-Arlington, TX (7) (applications in parentheses).
| Mortgage Company & Address | Nizari Progressive FCU 11770 University Blvd Sugar Land, TX 77478 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 75 |
| Total Mortgage Loan Application Amount | $25,925,000 |
| Average Mortgage Loan Application Amount | $345,666 |
| Highest Mortgage Loan Application Amount | $1,805,000 |
| Average Applicant Income | $147,880 |
| Highest Applicant Income | $1,506,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nizari Progressive FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 41 | $ 14,605,000 | $ 356,219 | $ 167,000 |
| Dallas-Plano-Irving, TX | 10 | $ 3,250,000 | $ 325,000 | $ 119,000 |
| Fort Worth-Arlington, TX | 7 | $ 2,425,000 | $ 346,428 | $ 137,000 |
| Austin-Round Rock, TX | 6 | $ 2,020,000 | $ 336,666 | $ 66,000 |
| Beaumont-Port Arthur, TX | 4 | $ 1,090,000 | $ 272,500 | $ 125,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 920,000 | $ 460,000 | $ 36,000 |
| San Antonio-New Braunfels, TX | 2 | $ 570,000 | $ 285,000 | $ 179,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 445,000 | $ 445,000 | $ 367,000 |
| Laredo, TX | 1 | $ 325,000 | $ 325,000 | $ 459,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 275,000 | $ 275,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Nizari Progressive FCU in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 45 | $17,585,000 | $390,000 | $1,805,000 | $201,000 | $1,506,000 |
| Cash-out Refinancing | 21 | $6,085,000 | $289,000 | $805,000 | $70,000 | $271,000 |
| Refinancing | 9 | $2,255,000 | $250,000 | $405,000 | $64,000 | $217,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 71 | $24,965,000 | $351,000 | $1,805,000 | $150,000 | $1,506,000 |
| Not Provided | 2 | $380,000 | $190,000 | $205,000 | $135,000 | $145,000 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 75 | $25,925,000 | $345,000 | $1,805,000 | $149,000 | $1,506,000 |
| 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 Withdrawn By Applicant | 31 | $10,705,000 | $345,000 | $805,000 | $172,000 | $1,506,000 |
| Loan Originated | 27 | $11,135,000 | $412,000 | $1,805,000 | $175,000 | $735,000 |
| File Closed For Incompleteness | 9 | $2,305,000 | $256,000 | $455,000 | $29,000 | $125,000 |
| Application Denied By Financial Institution | 4 | $940,000 | $235,000 | $285,000 | $73,000 | $133,000 |
| Application Approved But Not Accepted | 2 | $460,000 | $230,000 | $285,000 | $141,000 | $145,000 |
| Preapproval Approved but not Accepted | 2 | $380,000 | $190,000 | $195,000 | $79,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 75 | $25,925,000 | $345,000 | $1,805,000 | $149,000 | $1,506,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nizari Progressive FCU's 2018 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 Nizari Progressive 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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