Pegasus Community Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Pegasus Community Credit Union of Dallas, TX reported 177 mortgage applications totaling $22.3 million. The average application was for $125,932, and applicants reported an average income of $234,367. 84% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas-Plano-Irving, TX (95), Houston-The Woodlands-Sugar Land, TX (39) and Austin-Round Rock, TX (17) (applications in parentheses).
| Mortgage Company & Address | Pegasus Community Credit Union 1201 Elm St. #120 Dallas, TX 75270 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 |
| Total Number of Mortgage Applications | 177 |
| Total Mortgage Loan Application Amount | $22,290,000 |
| Average Mortgage Loan Application Amount | $125,932 |
| Highest Mortgage Loan Application Amount | $368,000 |
| Average Applicant Income | $234,367 |
| Highest Applicant Income | $1,011,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pegasus Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 95 | $ 12,168,000 | $ 128,084 | $ 242,000 |
| Houston-The Woodlands-Sugar Land, TX | 39 | $ 4,824,000 | $ 123,692 | $ 219,000 |
| Austin-Round Rock, TX | 17 | $ 1,954,000 | $ 114,941 | $ 220,000 |
| Fort Worth-Arlington, TX | 17 | $ 2,501,000 | $ 147,117 | $ 229,000 |
| San Antonio-New Braunfels, TX | 5 | $ 572,000 | $ 114,400 | $ 284,000 |
| Midland, TX | 1 | $ 55,000 | $ 55,000 | $ 398,000 |
| Tyler, TX | 1 | $ 78,000 | $ 78,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Pegasus Community Credit Union in 2014
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 | 161 | $20,213,000 | $125,000 | $308,000 | $235,000 | $1,011,000 |
| Refinancing | 16 | $2,077,000 | $129,000 | $368,000 | $228,000 | $443,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 117 | $14,942,000 | $127,000 | $308,000 | $237,000 | $861,000 |
| Asian | 29 | $3,327,000 | $114,000 | $368,000 | $205,000 | $555,000 |
| Not Provided | 15 | $2,349,000 | $156,000 | $250,000 | $297,000 | $1,011,000 |
| Hispanic | 9 | $942,000 | $104,000 | $200,000 | $225,000 | $443,000 |
| Black or African American | 5 | $539,000 | $107,000 | $159,000 | $182,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $94,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $141,000 | $141,000 | $141,000 | $250,000 | $250,000 |
| 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) | 177 | $22,290,000 | $125,000 | $368,000 | $234,000 | $1,011,000 |
| 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 | 148 | $18,731,000 | $126,000 | $368,000 | $237,000 | $1,011,000 |
| Application Withdrawn By Applicant | 29 | $3,559,000 | $122,000 | $258,000 | $220,000 | $564,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pegasus Community Credit Union's 2014 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 Pegasus Community 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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