Trans Texas Southwest C U Mortgage Lending & HMDA Data, 2015
In 2015, Trans Texas Southwest C U of San Angelo, TX reported 101 mortgage applications totaling $6.1 million. The average application was for $60,039, and applicants reported an average income of $68,643. 82% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Angelo, TX (78), Killeen-Temple, TX (1) and Odessa, TX (1) (applications in parentheses).
| Mortgage Company & Address | Trans Texas Southwest C U 3401 Loop 306 San Angelo, TX 76904 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 |
| Total Number of Mortgage Applications | 101 |
| Total Mortgage Loan Application Amount | $6,064,000 |
| Average Mortgage Loan Application Amount | $60,039 |
| Highest Mortgage Loan Application Amount | $218,000 |
| Average Applicant Income | $68,643 |
| Highest Applicant Income | $269,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Trans Texas Southwest C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Trans Texas Southwest C U in 2015
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 | 54 | $3,770,000 | $69,000 | $212,000 | $70,000 | $269,000 |
| Refinancing | 33 | $1,725,000 | $52,000 | $218,000 | $65,000 | $144,000 |
| Home Improvement | 14 | $569,000 | $40,000 | $85,000 | $72,000 | $167,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 47 | $2,528,000 | $53,000 | $167,000 | $71,000 | $157,000 |
| White | 46 | $3,034,000 | $65,000 | $218,000 | $78,000 | $269,000 |
| Not applicable | 6 | $445,000 | $74,000 | $119,000 | $0 | $0 |
| Black or African American | 1 | $32,000 | $32,000 | $32,000 | $34,000 | $34,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 101 | $6,064,000 | $60,000 | $218,000 | $69,000 | $269,000 |
| 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 | 83 | $5,048,000 | $60,000 | $218,000 | $69,000 | $269,000 |
| Application Denied By Financial Institution | 18 | $1,016,000 | $56,000 | $167,000 | $66,000 | $136,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $853,000 | $65,000 | $167,000 | $70,000 | $136,000 |
| Credit History | 5 | $163,000 | $32,000 | $93,000 | $57,000 | $81,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Trans Texas Southwest C U's 2015 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 Trans Texas Southwest C U'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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