University Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
University Federal Credit Union 2021 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 | University Federal Credit Union 8303 N Mopac Expressway Austin, TX 78759 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 | 6,133 |
| Total Mortgage Loan Application Amount | $1,888,445,000 |
| Average Mortgage Loan Application Amount | $240,250 |
| Highest Mortgage Loan Application Amount | $2,245,000 |
| Average Applicant Income | $157,500 |
| Highest Applicant Income | $5,090,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with University Federal 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 University Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down University Federal 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 University Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by University Federal 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 University Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis County Texas | 2,985 | $ 992,775,000 | $ 332,000 | $ 164,000 |
| Williamson County Texas | 1,500 | $ 431,930,000 | $ 287,000 | $ 150,000 |
| Hays County Texas | 374 | $ 106,880,000 | $ 285,000 | $ 152,000 |
| Harris County Texas | 223 | $ 77,935,000 | $ 349,000 | $ 232,000 |
| Bell County Texas | 123 | $ 23,195,000 | $ 188,000 | $ 134,000 |
| Galveston County Texas | 123 | $ 25,715,000 | $ 209,000 | $ 128,000 |
| Bexar County Texas | 99 | $ 27,505,000 | $ 277,000 | $ 172,000 |
| Bastrop County Texas | 96 | $ 25,070,000 | $ 261,000 | $ 146,000 |
| Dallas County Texas | 58 | $ 22,470,000 | $ 387,000 | $ 244,000 |
| Comal County Texas | 47 | $ 12,825,000 | $ 272,000 | $ 152,000 |
| Fort Bend County Texas | 38 | $ 11,700,000 | $ 307,000 | $ 188,000 |
| Tarrant County Texas | 35 | $ 10,505,000 | $ 300,000 | $ 183,000 |
| Brazoria County Texas | 30 | $ 8,710,000 | $ 290,000 | $ 144,000 |
| Caldwell County Texas | 28 | $ 7,010,000 | $ 250,000 | $ 145,000 |
| Montgomery County Texas | 27 | $ 9,125,000 | $ 337,000 | $ 184,000 |
| Burnet County Texas | 26 | $ 8,880,000 | $ 341,000 | $ 146,000 |
| Collin County Texas | 25 | $ 9,145,000 | $ 365,000 | $ 265,000 |
| Guadalupe County Texas | 22 | $ 6,320,000 | $ 287,000 | $ 188,000 |
| Nueces County Texas | 18 | $ 5,500,000 | $ 305,000 | $ 240,000 |
| Brazos County Texas | 17 | $ 4,625,000 | $ 272,000 | $ 217,000 |
| Denton County Texas | 16 | $ 5,060,000 | $ 316,000 | $ 214,000 |
| El Paso County Texas | 15 | $ 6,285,000 | $ 419,000 | $ 281,000 |
| Hidalgo County Texas | 15 | $ 4,165,000 | $ 277,000 | $ 231,000 |
| Milam County Texas | 15 | $ 2,975,000 | $ 198,000 | $ 116,000 |
| McLennan County Texas | 12 | $ 2,480,000 | $ 206,000 | $ 163,000 |
| Llano County Texas | 11 | $ 3,215,000 | $ 292,000 | $ 159,000 |
| Lubbock County Texas | 10 | $ 1,320,000 | $ 132,000 | $ 90,000 |
| Parker County Texas | 9 | $ 2,095,000 | $ 232,000 | $ 106,000 |
| Lee County Texas | 8 | $ 2,600,000 | $ 325,000 | $ 126,000 |
| Cameron County Texas | 7 | $ 845,000 | $ 120,000 | $ 100,000 |
| Lampasas County Texas | 7 | $ 1,975,000 | $ 282,000 | $ 162,000 |
| Blanco County Texas | 6 | $ 1,720,000 | $ 286,000 | $ 116,000 |
| Coryell County Texas | 6 | $ 1,010,000 | $ 168,000 | $ 114,000 |
| Gillespie County Texas | 6 | $ 2,560,000 | $ 426,000 | $ 196,000 |
| Bandera County Texas | 4 | $ 1,330,000 | $ 332,000 | $ 231,000 |
| Fayette County Texas | 4 | $ 700,000 | $ 175,000 | $ 181,000 |
| Jefferson County Texas | 4 | $ 780,000 | $ 195,000 | $ 312,000 |
| Kerr County Texas | 4 | $ 980,000 | $ 245,000 | $ 78,000 |
| Matagorda County Texas | 4 | $ 690,000 | $ 172,000 | $ 57,000 |
| San Patricio County Texas | 4 | $ 970,000 | $ 242,000 | $ 107,000 |
| Wilson County Texas | 4 | $ 1,510,000 | $ 377,000 | $ 214,000 |
| Ellis County Texas | 3 | $ 985,000 | $ 328,000 | $ 159,000 |
| Kaufman County Texas | 3 | $ 825,000 | $ 275,000 | $ 327,000 |
| Rockwall County Texas | 3 | $ 1,755,000 | $ 585,000 | $ 396,000 |
| Smith County Texas | 3 | $ 505,000 | $ 168,000 | $ 211,000 |
| Taylor County Texas | 3 | $ 275,000 | $ 91,000 | $ 287,000 |
| Tom Green County Texas | 3 | $ 745,000 | $ 248,000 | $ 84,000 |
| Angelina County Texas | 2 | $ 120,000 | $ 60,000 | $ 48,000 |
| Aransas County Texas | 2 | $ 220,000 | $ 110,000 | $ 109,000 |
| Atascosa County Texas | 2 | $ 500,000 | $ 250,000 | $ 90,000 |
| Brewster County Texas | 2 | $ 280,000 | $ 140,000 | $ 222,000 |
| Chambers County Texas | 2 | $ 330,000 | $ 165,000 | $ 70,000 |
| DeWitt County Texas | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Gregg County Texas | 2 | $ 500,000 | $ 250,000 | $ 203,000 |
| Grimes County Texas | 2 | $ 340,000 | $ 170,000 | $ 123,000 |
| Harrison County Texas | 2 | $ 300,000 | $ 150,000 | $ 286,000 |
| Mason County Texas | 2 | $ 700,000 | $ 350,000 | $ 149,000 |
| Randall County Texas | 2 | $ 590,000 | $ 295,000 | $ 156,000 |
| Victoria County Texas | 2 | $ 350,000 | $ 175,000 | $ 201,000 |
| Waller County Texas | 2 | $ 620,000 | $ 310,000 | $ 125,000 |
| Washington County Texas | 2 | $ 390,000 | $ 195,000 | $ 81,000 |
| Bosque County Texas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Burleson County Texas | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| Cass County Texas | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Cherokee County Texas | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Gonzales County Texas | 1 | $ 195,000 | $ 195,000 | $ 131,000 |
| Hill County Texas | 1 | $ 425,000 | $ 425,000 | $ 210,000 |
| Hood County Texas | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Houston County Texas | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Howard County Texas | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Irion County Texas | 1 | $ 55,000 | $ 55,000 | $ 196,000 |
| Kendall County Texas | 1 | $ 645,000 | $ 645,000 | $ 174,000 |
| Kimble County Texas | 1 | $ 245,000 | $ 245,000 | $ 152,000 |
| Leon County Texas | 1 | $ 255,000 | $ 255,000 | $ 895,000 |
| Limestone County Texas | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Navarro County Texas | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Polk County Texas | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Robertson County Texas | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
| Tyler County Texas | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Van Zandt County Texas | 1 | $ 465,000 | $ 465,000 | $ 261,000 |
| Wharton County Texas | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| Wichita County Texas | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Wise County Texas | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for University Federal Credit Union in 2021
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 | 3,735 | $1,355,325,000 | $362,000 | $2,245,000 | $179,000 | $4,800,000 |
| Cash-out Refinancing | 1,322 | $257,810,000 | $195,000 | $1,105,000 | $130,000 | $1,144,000 |
| Refinancing | 1,052 | $271,790,000 | $258,000 | $2,005,000 | $145,000 | $5,090,000 |
| Home Improvement | 24 | $3,520,000 | $146,000 | $315,000 | $176,000 | $378,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,055 | $959,925,000 | $314,000 | $2,245,000 | $163,000 | $5,090,000 |
| Hispanic | 995 | $259,795,000 | $261,000 | $1,405,000 | $127,000 | $840,000 |
| Not Provided | 994 | $310,560,000 | $312,000 | $1,895,000 | $180,000 | $4,800,000 |
| Asian | 644 | $226,210,000 | $351,000 | $1,705,000 | $192,000 | $752,000 |
| Black or African American | 249 | $65,895,000 | $264,000 | $1,475,000 | $131,000 | $550,000 |
| American Indian or Alaskan Native | 34 | $7,500,000 | $220,000 | $425,000 | $104,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,245,000 | $249,000 | $495,000 | $155,000 | $305,000 |
| 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) | 5,927 | $1,829,965,000 | $308,000 | $2,245,000 | $165,000 | $5,090,000 |
| FHA-insured (Federal Housing Administration) | 183 | $50,735,000 | $277,000 | $525,000 | $86,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $3,780,000 | $270,000 | $335,000 | $83,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 9 | $3,965,000 | $440,000 | $905,000 | $126,000 | $285,000 |
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 | 4,384 | $1,382,220,000 | $315,000 | $2,245,000 | $164,000 | $2,342,000 |
| Application Withdrawn By Applicant | 1,261 | $409,745,000 | $324,000 | $2,035,000 | $180,000 | $5,090,000 |
| Application Denied By Financial Institution | 406 | $73,140,000 | $180,000 | $1,045,000 | $98,000 | $1,144,000 |
| File Closed For Incompleteness | 81 | $23,005,000 | $284,000 | $1,705,000 | $154,000 | $635,000 |
| Application Approved But Not Accepted | 1 | $335,000 | $335,000 | $335,000 | $139,000 | $139,000 |
| 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 | 5,727 | $1,815,305,000 | $316,000 | $2,245,000 | $167,000 | $5,090,000 |
| Debt-To-Income Ratio | 171 | $31,235,000 | $182,000 | $1,045,000 | $63,000 | $240,000 |
| Credit History | 164 | $25,830,000 | $157,000 | $545,000 | $129,000 | $1,144,000 |
| Collateral | 33 | $6,045,000 | $183,000 | $505,000 | $111,000 | $284,000 |
| Other | 21 | $4,895,000 | $233,000 | $665,000 | $120,000 | $324,000 |
| Employment History | 10 | $2,770,000 | $277,000 | $405,000 | $81,000 | $126,000 |
| Unverifiable Information | 5 | $1,405,000 | $281,000 | $515,000 | $111,000 | $268,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $960,000 | $480,000 | $635,000 | $123,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into University Federal Credit Union's 2021 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 University Federal 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.
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with aggregated HMDA statistics today.