Susser Bank Mortgage Lending & HMDA Data, 2021
In 2021, Susser Bank of Bedford, TX reported 1,077 mortgage applications totaling $390.4 million, down 47% from 2020. The average application was for $362,520, and applicants reported an average income of $170,469. 71% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fort Worth-Arlington, TX (515), Dallas-Plano-Irving, TX (205) and Waco, TX (76) (applications in parentheses).
| Mortgage Company & Address | Susser Bank 500 Harwood Road Bedford, TX 76021 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,077 |
| Total Mortgage Loan Application Amount | $390,435,000 |
| Average Mortgage Loan Application Amount | $362,520 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $170,469 |
| Highest Applicant Income | $2,406,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Susser Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 515 | $ 170,725,000 | $ 331,504 | $ 154,000 |
| Dallas-Plano-Irving, TX | 205 | $ 92,925,000 | $ 453,292 | $ 177,000 |
| Outside any metro area | 81 | $ 31,315,000 | $ 386,604 | $ 226,148 |
| Waco, TX | 76 | $ 16,840,000 | $ 221,578 | $ 107,000 |
| Austin-Round Rock, TX | 56 | $ 23,770,000 | $ 424,464 | $ 189,000 |
| Corpus Christi, TX | 52 | $ 16,650,000 | $ 320,192 | $ 218,000 |
| San Antonio-New Braunfels, TX | 21 | $ 7,975,000 | $ 379,761 | $ 194,000 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 8,390,000 | $ 419,500 | $ 209,000 |
| Killeen-Temple, TX | 10 | $ 4,090,000 | $ 409,000 | $ 246,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 4,715,000 | $ 673,571 | $ 331,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,880,000 | $ 470,000 | $ 316,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,295,000 | $ 431,666 | $ 124,000 |
| Oklahoma City, OK | 3 | $ 2,295,000 | $ 765,000 | $ 300,000 |
| Colorado Springs, CO | 2 | $ 740,000 | $ 370,000 | $ 79,000 |
| Kansas City, MO-KS | 2 | $ 480,000 | $ 240,000 | $ 84,000 |
| Lubbock, TX | 2 | $ 760,000 | $ 380,000 | $ 138,000 |
| Sherman-Denison, TX | 2 | $ 330,000 | $ 165,000 | $ 55,000 |
| Tulsa, OK | 2 | $ 350,000 | $ 175,000 | $ 43,000 |
| Abilene, TX | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Beaumont-Port Arthur, TX | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Cincinnati, OH-KY-IN | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| College Station-Bryan, TX | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Columbia, SC | 1 | $ 1,455,000 | $ 1,455,000 | $ 381,000 |
| El Paso, TX | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 105,000 | $ 105,000 | $ 289,000 |
| Lakeland-Winter Haven, FL | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Midland, TX | 1 | $ 435,000 | $ 435,000 | $ 375,000 |
| New Orleans-Metairie, LA | 1 | $ 425,000 | $ 425,000 | $ 330,000 |
| Philadelphia, PA | 1 | $ 395,000 | $ 395,000 | $ 290,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 545,000 | $ 545,000 | $ 662,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Susser Bank 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 | 511 | $190,315,000 | $372,000 | $11,005,000 | $161,000 | $1,794,000 |
| Refinancing | 421 | $150,755,000 | $358,000 | $3,085,000 | $180,000 | $2,016,000 |
| Cash-out Refinancing | 143 | $48,805,000 | $341,000 | $3,525,000 | $177,000 | $2,406,000 |
| Home Improvement | 1 | $105,000 | $105,000 | $105,000 | $91,000 | $91,000 |
| Other Purpose | 1 | $455,000 | $455,000 | $455,000 | $143,000 | $143,000 |
| Not Applicable | 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 | 788 | $278,110,000 | $352,000 | $3,525,000 | $175,000 | $2,406,000 |
| Hispanic | 108 | $28,350,000 | $262,000 | $755,000 | $112,000 | $361,000 |
| Not Provided | 65 | $32,525,000 | $500,000 | $3,085,000 | $248,000 | $1,794,000 |
| Black or African American | 61 | $19,475,000 | $319,000 | $1,405,000 | $122,000 | $343,000 |
| Asian | 41 | $14,985,000 | $365,000 | $855,000 | $181,000 | $623,000 |
| Not applicable | 11 | $15,865,000 | $1,442,000 | $11,005,000 | $137,000 | $319,000 |
| American Indian or Alaskan Native | 2 | $910,000 | $455,000 | $545,000 | $171,000 | $198,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $44,000 | $44,000 |
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) | 969 | $358,925,000 | $370,000 | $11,005,000 | $180,000 | $2,406,000 |
| FHA-insured (Federal Housing Administration) | 65 | $17,225,000 | $265,000 | $415,000 | $88,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 38 | $13,570,000 | $357,000 | $715,000 | $93,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $715,000 | $143,000 | $185,000 | $54,000 | $72,000 |
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 | 762 | $277,640,000 | $364,000 | $11,005,000 | $170,000 | $2,406,000 |
| Application Withdrawn By Applicant | 144 | $51,250,000 | $355,000 | $2,755,000 | $182,000 | $917,000 |
| File Closed For Incompleteness | 132 | $45,770,000 | $346,000 | $1,375,000 | $167,000 | $1,960,000 |
| Application Denied By Financial Institution | 30 | $13,510,000 | $450,000 | $2,155,000 | $149,000 | $665,000 |
| Application Approved But Not Accepted | 9 | $2,265,000 | $251,000 | $405,000 | $138,000 | $290,000 |
| 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 | 1,047 | $376,925,000 | $360,000 | $11,005,000 | $171,000 | $2,406,000 |
| Other | 11 | $4,135,000 | $375,000 | $1,085,000 | $105,000 | $163,000 |
| Debt-To-Income Ratio | 9 | $4,495,000 | $499,000 | $1,325,000 | $157,000 | $305,000 |
| Credit History | 5 | $1,715,000 | $343,000 | $885,000 | $112,000 | $250,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $205,000 | $26,000 | $35,000 |
| Collateral | 1 | $285,000 | $285,000 | $285,000 | $212,000 | $212,000 |
| Employment History | 1 | $455,000 | $455,000 | $455,000 | $374,000 | $374,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $2,155,000 | $2,155,000 | $2,155,000 | $665,000 | $665,000 |
| 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 Susser Bank'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 Susser Bank'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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