Texas Dow Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Texas Dow Employees Credit Union 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Texas Dow Employees Credit Union 1001 Fm 2004 Lake Jackson, TX 77566 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,288 |
| Total Mortgage Loan Application Amount | $384,281,000 |
| Average Mortgage Loan Application Amount | $134,333 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $116,666 |
| Highest Applicant Income | $598,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Texas Dow Employees Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Texas Dow Employees Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Texas Dow Employees Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Texas Dow Employees Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Texas Dow Employees Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Texas Dow Employees Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brazoria County Texas | 828 | $ 131,624,000 | $ 158,000 | $ 101,000 |
| Harris County Texas | 452 | $ 81,642,000 | $ 180,000 | $ 106,000 |
| Victoria County Texas | 243 | $ 35,258,000 | $ 145,000 | $ 82,000 |
| Fort Bend County Texas | 215 | $ 42,833,000 | $ 199,000 | $ 126,000 |
| Galveston County Texas | 70 | $ 11,749,000 | $ 167,000 | $ 112,000 |
| Matagorda County Texas | 70 | $ 9,636,000 | $ 137,000 | $ 89,000 |
| Montgomery County Texas | 65 | $ 16,247,000 | $ 249,000 | $ 121,000 |
| Jackson County Texas | 49 | $ 6,764,000 | $ 138,000 | $ 90,000 |
| Calhoun County Texas | 37 | $ 4,781,000 | $ 129,000 | $ 100,000 |
| DeWitt County Texas | 32 | $ 4,905,000 | $ 153,000 | $ 98,000 |
| Lavaca County Texas | 19 | $ 2,811,000 | $ 147,000 | $ 92,000 |
| Chambers County Texas | 18 | $ 3,260,000 | $ 181,000 | $ 113,000 |
| Bexar County Texas | 11 | $ 1,351,000 | $ 122,000 | $ 70,000 |
| Dallas County Texas | 10 | $ 1,443,000 | $ 144,000 | $ 119,000 |
| Travis County Texas | 10 | $ 2,816,000 | $ 281,000 | $ 121,000 |
| Aransas County Texas | 8 | $ 1,507,000 | $ 188,000 | $ 121,000 |
| Goliad County Texas | 8 | $ 1,562,000 | $ 195,000 | $ 101,000 |
| Wharton County Texas | 8 | $ 931,000 | $ 116,000 | $ 54,000 |
| San Jacinto County Texas | 7 | $ 1,294,000 | $ 184,000 | $ 88,000 |
| Hays County Texas | 6 | $ 1,537,000 | $ 256,000 | $ 127,000 |
| Liberty County Texas | 6 | $ 727,000 | $ 121,000 | $ 116,000 |
| Polk County Texas | 6 | $ 940,000 | $ 156,000 | $ 109,000 |
| Tarrant County Texas | 6 | $ 944,000 | $ 157,000 | $ 170,000 |
| Waller County Texas | 6 | $ 1,391,000 | $ 231,000 | $ 106,000 |
| Denton County Texas | 5 | $ 899,000 | $ 179,000 | $ 71,000 |
| Fayette County Texas | 5 | $ 521,000 | $ 104,000 | $ 83,000 |
| Williamson County Texas | 5 | $ 691,000 | $ 138,000 | $ 100,000 |
| Burnet County Texas | 4 | $ 987,000 | $ 246,000 | $ 130,000 |
| Colorado County Texas | 4 | $ 682,000 | $ 170,000 | $ 101,000 |
| Bee County Texas | 3 | $ 336,000 | $ 112,000 | $ 71,000 |
| Brazos County Texas | 3 | $ 418,000 | $ 139,000 | $ 100,000 |
| Collin County Texas | 3 | $ 771,000 | $ 257,000 | $ 151,000 |
| Grimes County Texas | 3 | $ 414,000 | $ 138,000 | $ 68,000 |
| Lubbock County Texas | 3 | $ 391,000 | $ 130,000 | $ 73,000 |
| Uvalde County Texas | 3 | $ 658,000 | $ 219,000 | $ 132,000 |
| Sumner County Tennessee | 2 | $ 558,000 | $ 279,000 | $ 126,000 |
| Anderson County Texas | 2 | $ 460,000 | $ 230,000 | $ 117,000 |
| Bell County Texas | 2 | $ 234,000 | $ 117,000 | $ 124,000 |
| Comal County Texas | 2 | $ 411,000 | $ 205,000 | $ 95,000 |
| Ellis County Texas | 2 | $ 284,000 | $ 142,000 | $ 60,000 |
| Hood County Texas | 2 | $ 369,000 | $ 184,000 | $ 119,000 |
| Llano County Texas | 2 | $ 391,000 | $ 195,000 | $ 226,000 |
| Marion County Texas | 2 | $ 284,000 | $ 142,000 | $ 155,000 |
| San Patricio County Texas | 2 | $ 271,000 | $ 135,000 | $ 82,000 |
| Smith County Texas | 2 | $ 213,000 | $ 106,000 | $ 79,000 |
| Webb County Texas | 2 | $ 206,000 | $ 103,000 | $ 39,000 |
| Yell County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 23,000 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| LaSalle County Illinois | 1 | $ 270,000 | $ 270,000 | $ 65,000 |
| Hendricks County Indiana | 1 | $ 232,000 | $ 232,000 | $ 95,000 |
| Calcasieu County Louisiana | 1 | $ 257,000 | $ 257,000 | $ 68,000 |
| Scott County Missouri | 1 | $ 140,000 | $ 140,000 | $ 81,000 |
| Henderson County North Carolina | 1 | $ 298,000 | $ 298,000 | $ 85,000 |
| Atascosa County Texas | 1 | $ 270,000 | $ 270,000 | $ 160,000 |
| Austin County Texas | 1 | $ 315,000 | $ 315,000 | $ 179,000 |
| Bandera County Texas | 1 | $ 156,000 | $ 156,000 | $ 70,000 |
| Brown County Texas | 1 | $ 176,000 | $ 176,000 | $ 109,000 |
| Caldwell County Texas | 1 | $ 80,000 | $ 80,000 | $ 139,000 |
| Childress County Texas | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Comanche County Texas | 1 | $ 62,000 | $ 62,000 | $ 39,000 |
| Crockett County Texas | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Gonzales County Texas | 1 | $ 203,000 | $ 203,000 | $ 40,000 |
| Henderson County Texas | 1 | $ 194,000 | $ 194,000 | $ 80,000 |
| Hidalgo County Texas | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Jefferson County Texas | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Jim Wells County Texas | 1 | $ 287,000 | $ 287,000 | $ 130,000 |
| Kaufman County Texas | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Kendall County Texas | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Kerr County Texas | 1 | $ 150,000 | $ 150,000 | $ 154,000 |
| Limestone County Texas | 1 | $ 184,000 | $ 184,000 | $ 53,000 |
| Madison County Texas | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| McLennan County Texas | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Medina County Texas | 1 | $ 73,000 | $ 73,000 | $ 168,000 |
| Midland County Texas | 1 | $ 383,000 | $ 383,000 | $ 156,000 |
| Nacogdoches County Texas | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Rains County Texas | 1 | $ 77,000 | $ 77,000 | $ 142,000 |
| San Saba County Texas | 1 | $ 136,000 | $ 136,000 | $ 65,000 |
| Tom Green County Texas | 1 | $ 90,000 | $ 90,000 | $ 66,000 |
| Trinity County Texas | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Walker County Texas | 1 | $ 33,000 | $ 33,000 | $ 12,000 |
| Clark County Washington | 1 | $ 261,000 | $ 261,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Texas Dow Employees Credit Union in 2016
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 | 1,274 | $236,776,000 | $185,000 | $743,000 | $100,000 | $555,000 |
| Refinancing | 940 | $142,529,000 | $151,000 | $1,320,000 | $104,000 | $598,000 |
| Home Improvement | 74 | $4,976,000 | $67,000 | $179,000 | $146,000 | $320,000 |
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 | 1,458 | $251,028,000 | $172,000 | $1,320,000 | $108,000 | $598,000 |
| Hispanic | 486 | $72,263,000 | $148,000 | $685,000 | $89,000 | $546,000 |
| Black or African American | 175 | $28,403,000 | $162,000 | $541,000 | $89,000 | $250,000 |
| Asian | 81 | $16,569,000 | $204,000 | $417,000 | $117,000 | $370,000 |
| Not Provided | 71 | $12,516,000 | $176,000 | $641,000 | $116,000 | $476,000 |
| American Indian or Alaskan Native | 13 | $2,386,000 | $183,000 | $403,000 | $108,000 | $184,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $1,116,000 | $279,000 | $585,000 | $131,000 | $192,000 |
| 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) | 2,229 | $374,132,000 | $167,000 | $1,320,000 | $103,000 | $598,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,961,000 | $156,000 | $288,000 | $76,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,188,000 | $199,000 | $423,000 | $92,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,845 | $309,227,000 | $167,000 | $1,320,000 | $102,000 | $598,000 |
| Application Withdrawn By Applicant | 353 | $61,518,000 | $174,000 | $743,000 | $108,000 | $555,000 |
| Application Denied By Financial Institution | 71 | $10,497,000 | $147,000 | $364,000 | $91,000 | $347,000 |
| Application Approved But Not Accepted | 14 | $2,281,000 | $162,000 | $447,000 | $120,000 | $253,000 |
| File Closed For Incompleteness | 5 | $758,000 | $151,000 | $205,000 | $90,000 | $126,000 |
| 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 | 27 | $3,417,000 | $126,000 | $299,000 | $96,000 | $347,000 |
| Unverifiable Information | 15 | $2,810,000 | $187,000 | $364,000 | $88,000 | $154,000 |
| Debt-To-Income Ratio | 11 | $1,638,000 | $148,000 | $267,000 | $61,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $835,000 | $139,000 | $188,000 | $104,000 | $183,000 |
| Other | 3 | $375,000 | $125,000 | $215,000 | $192,000 | $294,000 |
| Employment History | 3 | $331,000 | $110,000 | $139,000 | $51,000 | $62,000 |
| Credit Application Incomplete | 3 | $527,000 | $175,000 | $295,000 | $83,000 | $129,000 |
| Credit History | 3 | $564,000 | $188,000 | $362,000 | $84,000 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas Dow Employees Credit Union's 2016 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 Texas Dow Employees 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.