Texas D P S Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Texas D P S Credit Union of Austin, TX reported 56 mortgage applications totaling $4.9 million, up 133% from 2023. The average application was for $87,678, and applicants reported an average income of $275,875. 41% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Austin-Round Rock, TX (14), Dallas-Plano-Irving, TX (5) and Houston-The Woodlands-Sugar Land, TX (3) (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 | 56 |
| Total Mortgage Loan Application Amount | $4,910,000 |
| Average Mortgage Loan Application Amount | $87,678 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $275,875 |
| Highest Applicant Income | $3,752,000 |
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(HMDA) records Texas D P S Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 45 | $3,745,000 | $83,000 | $355,000 | $313,000 | $3,752,000 |
| Home Improvement | 11 | $1,165,000 | $105,000 | $435,000 | $124,000 | $285,000 |
| Home Purchase | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 20 | $2,070,000 | $103,000 | $435,000 | $533,000 | $3,752,000 |
| White | 17 | $1,255,000 | $73,000 | $175,000 | $126,000 | $264,000 |
| Hispanic | 14 | $1,000,000 | $71,000 | $235,000 | $116,000 | $209,000 |
| Black or African American | 3 | $295,000 | $98,000 | $155,000 | $227,000 | $300,000 |
| Not applicable | 1 | $135,000 | $135,000 | $135,000 | $79,000 | $79,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 55 | $4,875,000 | $88,000 | $435,000 | $278,000 | $3,752,000 |
| FHA-insured (Federal Housing Administration) | 1 | $35,000 | $35,000 | $35,000 | $119,000 | $119,000 |
| 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 | 23 | $1,895,000 | $82,000 | $225,000 | $129,000 | $285,000 |
| Application Withdrawn By Applicant | 18 | $1,480,000 | $82,000 | $295,000 | $437,000 | $3,752,000 |
| File Closed For Incompleteness | 11 | $1,405,000 | $127,000 | $435,000 | $356,000 | $2,974,000 |
| Application Approved But Not Accepted | 3 | $95,000 | $31,000 | $35,000 | $139,000 | $199,000 |
| Application Denied By Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $110,000 | $110,000 |
| 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 | 55 | $4,875,000 | $88,000 | $435,000 | $278,000 | $3,752,000 |
| Credit History | 1 | $35,000 | $35,000 | $35,000 | $110,000 | $110,000 |
| 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 |
| 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 Texas D P S Credit Union's 2024 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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