Texas D P S Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Texas D P S Credit Union of Austin, TX reported 77 mortgage applications totaling $10.3 million, up 38% from 2024. The average application was for $133,181, and applicants reported an average income of $144,974. 51% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Austin-Round Rock, TX (29), Houston-The Woodlands-Sugar Land, TX (6) and Dallas-Plano-Irving, TX (5) (applications in parentheses).
| Mortgage Company & Address | Texas D P S Credit Union 621 W St Johns Ave Austin, TX 78752 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 77 |
| Total Mortgage Loan Application Amount | $10,255,000 |
| Average Mortgage Loan Application Amount | $133,181 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $144,974 |
| Highest Applicant Income | $1,320,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas D P S Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Texas D P S Credit Union in 2025
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 | 41 | $3,865,000 | $94,000 | $305,000 | $153,000 | $1,320,000 |
| Home Improvement | 20 | $1,700,000 | $85,000 | $205,000 | $140,000 | $295,000 |
| Home Purchase | 8 | $2,440,000 | $305,000 | $385,000 | $130,000 | $204,000 |
| Refinancing | 5 | $1,305,000 | $261,000 | $395,000 | $132,000 | $182,000 |
| Cash-out Refinancing | 3 | $945,000 | $315,000 | $525,000 | $130,000 | $213,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 27 | $2,725,000 | $100,000 | $355,000 | $165,000 | $1,320,000 |
| White | 26 | $4,330,000 | $166,000 | $525,000 | $135,000 | $215,000 |
| Hispanic | 14 | $1,950,000 | $139,000 | $345,000 | $129,000 | $295,000 |
| Black or African American | 8 | $910,000 | $113,000 | $275,000 | $148,000 | $298,000 |
| Asian | 2 | $340,000 | $170,000 | $295,000 | $105,000 | $125,000 |
| American Indian or Alaskan Native | 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) | 77 | $10,255,000 | $133,000 | $525,000 | $145,000 | $1,320,000 |
| 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 | 39 | $5,105,000 | $130,000 | $395,000 | $132,000 | $295,000 |
| Application Withdrawn By Applicant | 23 | $2,225,000 | $96,000 | $335,000 | $174,000 | $1,320,000 |
| Application Denied By Financial Institution | 8 | $1,110,000 | $138,000 | $305,000 | $117,000 | $212,000 |
| Application Approved But Not Accepted | 5 | $1,105,000 | $221,000 | $525,000 | $178,000 | $298,000 |
| File Closed For Incompleteness | 2 | $710,000 | $355,000 | $355,000 | $93,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 69 | $9,145,000 | $132,000 | $525,000 | $148,000 | $1,320,000 |
| Other | 3 | $465,000 | $155,000 | $305,000 | $72,000 | $107,000 |
| Collateral | 2 | $180,000 | $90,000 | $105,000 | $190,000 | $212,000 |
| Credit History | 2 | $290,000 | $145,000 | $235,000 | $103,000 | $115,000 |
| Debt-To-Income Ratio | 1 | $175,000 | $175,000 | $175,000 | $134,000 | $134,000 |
| 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 |
| 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 Texas D P S Credit Union's 2025 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 D P S 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.
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