Applications / Mortgage Analytics / Lenders / Texas / Advancial Federal Credit Union
Dallas, TX · Credit union · NCUA · $2.4 billion assets · 455 loans in 2025
Advancial Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
455
loans originated, 2025
640
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advancial Federal Credit Union, based in Dallas, makes loans the size of a big bank's: its typical loan was $335,000, about three times that of similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Their typical loan was $105,000, and Advancial's was larger than nearly all of theirs. Jumbo loans (larger than the conforming limit) were 13.3% of its lending, against 0.5%. Its 455 loans came to $220.6 million, about three times peers' $70.4 million.
It lent in 41 states and 211 counties, though Texas is its main state. Its share of any big market is small. In Dallas-Fort Worth-Arlington, TX, where it has lent since at least 1990, it ranked 328 of 1,026 lenders.
Purchases made up 67.9% of its loans and refinances 26.2%. It made 455 loans, 5% fewer than in 2024, while similar lenders grew 6% and the whole market 10%. Its purchase denial rate, 6.3%, was near the middle of its peers.
It made 25.1% of its loans in majority-minority neighborhoods, against 11.1% at peers. Borrowers with low and moderate incomes (LMI borrowers) took 15.6%, against 27.5%, which puts it among the lowest tenth. Its large loans, which suit borrowers with higher incomes, may be one reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Advancial Federal Credit Union took 640 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.9% · Refinance 26.2% · Home improvement 5.9%
Conventional 100.0% · of 455 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 111 | 24.4% |
| California | 55 | 12.1% |
| Louisiana | 39 | 8.6% |
| Florida | 30 | 6.6% |
| New York | 27 | 5.9% |
| New Jersey | 17 | 3.7% |
| Washington | 17 | 3.7% |
| Arizona | 13 | 2.9% |
| Colorado | 11 | 2.4% |
| Connecticut | 11 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 44 |
| Houston-Pasadena-The Woodlands | 39 |
| New York-Jersey City-White Plains | 33 |
| Lafayette | 31 |
| Denver-Aurora-Centennial | 9 |
| San Francisco-San Mateo-Redwood City | 9 |
| Oakland-Fremont-Berkeley | 8 |
| Phoenix-Mesa-Chandler | 8 |
| Portland-Vancouver-Hillsboro | 7 |
| Atlanta-Sandy Springs-Roswell | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I1HK1BBZLKOB84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 113777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52285 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Advancial Federal Credit Union's data.
Advancial Federal Credit Union's data
$215
Advancial Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Advancial Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]