Texasone Community Credit Unio Mortgage Lending & HMDA Data, 2009
In 2009, Texasone Community Credit Unio of Houston, TX reported 49 mortgage applications totaling $5.7 million, down 14% from 2008. The average application was for $117,244, and applicants reported an average income of $113,653. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (44), Austin-Round Rock, TX (2) and Dallas-Plano-Irving, TX (1) (applications in parentheses).
| Mortgage Company & Address | Texasone Community Credit Unio P O Box 41308 Houston, TX 77241 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 49 |
| Total Mortgage Loan Application Amount | $5,745,000 |
| Average Mortgage Loan Application Amount | $117,244 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $113,653 |
| Highest Applicant Income | $500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texasone Community Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 36 | $ 4,598,000 | $ 127,722 | $ 110,000 |
| Fort Bend, Texas | 3 | $ 152,000 | $ 50,666 | $ 156,000 |
| Montgomery, Texas | 3 | $ 393,000 | $ 131,000 | $ 120,000 |
| Williamson, Texas | 2 | $ 371,000 | $ 185,500 | $ 144,000 |
| Brazoria, Texas | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Collin, Texas | 1 | $ 42,000 | $ 42,000 | $ 158,000 |
| Matagorda, Texas | 1 | $ 28,000 | $ 28,000 | $ 107,000 |
| San Jacinto, Texas | 1 | $ 121,000 | $ 121,000 | $ 142,000 |
| Waller, Texas | 1 | $ 10,000 | $ 10,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Texasone Community Credit Unio in 2009
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 Improvement | 36 | $2,083,000 | $57,000 | $209,000 | $98,000 | $300,000 |
| Home Purchase | 13 | $3,662,000 | $281,000 | $785,000 | $157,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 38 | $5,277,000 | $138,000 | $785,000 | $124,000 | $500,000 |
| Black or African American | 8 | $297,000 | $37,000 | $84,000 | $66,000 | $108,000 |
| Hispanic | 3 | $171,000 | $57,000 | $69,000 | $113,000 | $158,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 49 | $5,745,000 | $117,000 | $785,000 | $113,000 | $500,000 |
| 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 | 43 | $5,519,000 | $128,000 | $785,000 | $119,000 | $500,000 |
| Application Denied By Financial Institution | 4 | $137,000 | $34,000 | $50,000 | $70,000 | $108,000 |
| Application Withdrawn By Applicant | 2 | $89,000 | $44,000 | $84,000 | $82,000 | $91,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $117,000 | $39,000 | $50,000 | $71,000 | $108,000 |
| Credit Application Incomplete | 1 | $20,000 | $20,000 | $20,000 | $67,000 | $67,000 |
| Collateral | 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 Texasone Community Credit Unio's 2009 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 Texasone Community Credit Unio'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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