Your Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Your Federal Credit Union 2003 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 | Your Federal Credit Union 8384 N. Belt Line Road Irving, TX 75063 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 468 |
| Total Mortgage Loan Application Amount | $20,989,000 |
| Average Mortgage Loan Application Amount | $36,769 |
| Highest Mortgage Loan Application Amount | $322,000 |
| Average Applicant Income | $111,153 |
| Highest Applicant Income | $294,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Your 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 Your Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Your 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 Your Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Your 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 Your Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Texas | 110 | $ 5,219,000 | $ 47,000 | $ 92,000 |
| Tarrant County Texas | 96 | $ 4,664,000 | $ 48,000 | $ 119,000 |
| Harris County Texas | 85 | $ 3,445,000 | $ 40,000 | $ 90,000 |
| Denton County Texas | 76 | $ 3,318,000 | $ 43,000 | $ 104,000 |
| Collin County Texas | 32 | $ 1,670,000 | $ 52,000 | $ 113,000 |
| Fort Bend County Texas | 10 | $ 448,000 | $ 44,000 | $ 123,000 |
| Galveston County Texas | 10 | $ 427,000 | $ 42,000 | $ 56,000 |
| Montgomery County Texas | 6 | $ 207,000 | $ 34,000 | $ 43,000 |
| Brazoria County Texas | 4 | $ 173,000 | $ 43,000 | $ 70,000 |
| Ellis County Texas | 4 | $ 219,000 | $ 54,000 | $ 63,000 |
| Williamson County Texas | 4 | $ 178,000 | $ 44,000 | $ 90,000 |
| Wise County Texas | 4 | $ 111,000 | $ 27,000 | $ 56,000 |
| Lubbock County Texas | 2 | $ 65,000 | $ 32,000 | $ 95,000 |
| McLennan County Texas | 2 | $ 87,000 | $ 43,000 | $ 91,000 |
| Maricopa County Arizona | 1 | $ 8,000 | $ 8,000 | $ 101,000 |
| Saline County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 105,000 |
| New London County Connecticut | 1 | $ 3,000 | $ 3,000 | $ 34,000 |
| Hillsborough County Florida | 1 | $ 4,000 | $ 4,000 | $ 83,000 |
| Fulton County Georgia | 1 | $ 9,000 | $ 9,000 | $ 129,000 |
| East Baton Rouge County Louisiana | 1 | $ 20,000 | $ 20,000 | $ 126,000 |
| Worcester County Massachusetts | 1 | $ 40,000 | $ 40,000 | $ 240,000 |
| St. Charles County Missouri | 1 | $ 15,000 | $ 15,000 | $ 114,000 |
| Wake County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| Sequoyah County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Angelina County Texas | 1 | $ 63,000 | $ 63,000 | $ 63,000 |
| Aransas County Texas | 1 | $ 29,000 | $ 29,000 | $ 86,000 |
| Bexar County Texas | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Burnet County Texas | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Henderson County Texas | 1 | $ 50,000 | $ 50,000 | $ 294,000 |
| Hidalgo County Texas | 1 | $ 42,000 | $ 42,000 | $ 42,000 |
| Hunt County Texas | 1 | $ 33,000 | $ 33,000 | $ 93,000 |
| Jefferson County Texas | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Parker County Texas | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Rockwall County Texas | 1 | $ 40,000 | $ 40,000 | $ 108,000 |
| San Augustine County Texas | 1 | $ 120,000 | $ 120,000 | $ 186,000 |
| Smith County Texas | 1 | $ 20,000 | $ 20,000 | $ 144,000 |
| Wood County Texas | 1 | $ 64,000 | $ 64,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Your Federal Credit Union in 2003
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 (one-to-four family) | 405 | $15,797,000 | $16,909 | $300,000 | $109,363 | $294,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 60 | $4,541,000 | $75,000 | $298,000 | $103,000 | $217,000 |
| Home Purchase (one-to-four family) | 3 | $651,000 | $217,000 | $322,000 | $139,000 | $217,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 253 | $12,162,000 | $18,000 | $322,000 | $53,666 | $288,000 |
| Information not provided by applicant in mail or telephone application | 139 | $5,224,000 | $21,250 | $300,000 | $125,625 | $294,000 |
| Black | 35 | $1,580,000 | $27,500 | $233,000 | $121,000 | $199,000 |
| Hispanic | 31 | $1,426,000 | $46,000 | $137,000 | $97,000 | $232,000 |
| Asian or Pacific Islander | 5 | $462,000 | $92,000 | $224,000 | $105,000 | $196,000 |
| Other | 3 | $68,000 | $22,000 | $37,000 | $103,000 | $137,000 |
| American Indian or Alaskan Native | 2 | $67,000 | $33,000 | $37,000 | $64,000 | $65,000 |
| 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) | 468 | $20,989,000 | $17,454 | $322,000 | $109,636 | $294,000 |
| 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 | 273 | $13,548,000 | $26,000 | $322,000 | $71,000 | $288,000 |
| Application Denied By Financial Institution | 111 | $3,692,000 | $17,800 | $200,000 | $115,700 | $294,000 |
| Application Approved But Not Accepted | 51 | $2,457,000 | $48,000 | $300,000 | $92,000 | $240,000 |
| Application Withdrawn By Applicant | 33 | $1,292,000 | $39,000 | $141,000 | $103,000 | $214,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 47 | $1,428,000 | $25,000 | $117,000 | $105,000 | $256,000 |
| Debt-To-Income Ratio | 27 | $892,000 | $19,000 | $135,000 | $82,000 | $294,000 |
| Credit History | 16 | $569,000 | $23,000 | $200,000 | $113,000 | $190,000 |
| Other | 15 | $663,000 | $24,571 | $131,000 | $120,285 | $240,000 |
| Employment History | 2 | $27,000 | $13,000 | $17,000 | $41,000 | $48,000 |
| Credit Application Incomplete | 1 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Your Federal Credit Union's 2003 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 Your 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.