Allegiance Bank Mortgage Lending & HMDA Data, 2022
In 2022, Allegiance Bank of Houston, TX reported 1,253 mortgage applications totaling $818.5 million. The average application was for $653,204, and applicants reported an average income of $309,358. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (985), Beaumont-Port Arthur, TX (99) and Dallas-Plano-Irving, TX (59) (applications in parentheses).
| Mortgage Company & Address | Allegiance Bank 8727 W Sam Houston Parkway N Houston, TX 77040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 |
| Total Number of Mortgage Applications | 1,253 |
| Total Mortgage Loan Application Amount | $818,465,000 |
| Average Mortgage Loan Application Amount | $653,204 |
| Highest Mortgage Loan Application Amount | $26,145,000 |
| Average Applicant Income | $309,358 |
| Highest Applicant Income | $6,646,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Allegiance Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 664 | $ 442,210,000 | $ 665,978 | $ 329,000 |
| Montgomery, Texas | 109 | $ 63,085,000 | $ 578,761 | $ 237,000 |
| Fort Bend, Texas | 79 | $ 49,175,000 | $ 622,468 | $ 296,000 |
| Galveston, Texas | 70 | $ 37,480,000 | $ 535,428 | $ 399,000 |
| Jefferson, Texas | 67 | $ 39,365,000 | $ 587,537 | $ 243,000 |
| Dallas, Texas | 57 | $ 34,645,000 | $ 607,807 | $ 172,000 |
| Brazoria, Texas | 24 | $ 12,340,000 | $ 514,166 | $ 226,000 |
| Hardin, Texas | 16 | $ 11,540,000 | $ 721,250 | $ 219,000 |
| Orange, Texas | 16 | $ 2,950,000 | $ 184,375 | $ 164,000 |
| Waller, Texas | 14 | $ 8,590,000 | $ 613,571 | $ 416,000 |
| Liberty, Texas | 13 | $ 4,345,000 | $ 334,230 | $ 193,000 |
| Walker, Texas | 12 | $ 7,670,000 | $ 639,166 | $ 239,000 |
| Travis, Texas | 10 | $ 27,940,000 | $ 2,794,000 | $ 522,000 |
| Chambers, Texas | 9 | $ 1,325,000 | $ 147,222 | $ 82,000 |
| Tarrant, Texas | 9 | $ 13,565,000 | $ 1,507,222 | $ 110,000 |
| Jasper, Texas | 8 | $ 1,370,000 | $ 171,250 | $ 85,000 |
| Nueces, Texas | 6 | $ 5,040,000 | $ 840,000 | $ 240,000 |
| Polk, Texas | 5 | $ 905,000 | $ 181,000 | $ 150,000 |
| Tyler, Texas | 5 | $ 235,000 | $ 47,000 | $ 46,000 |
| Brazos, Texas | 4 | $ 2,980,000 | $ 745,000 | $ 1,858,000 |
| Comal, Texas | 4 | $ 1,400,000 | $ 350,000 | $ 595,000 |
| Austin, Texas | 3 | $ 2,145,000 | $ 715,000 | $ 62,000 |
| Matagorda, Texas | 3 | $ 1,105,000 | $ 368,333 | $ 218,000 |
| Bandera, Texas | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Bexar, Texas | 2 | $ 830,000 | $ 415,000 | $ 189,000 |
| Cameron, Texas | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Gillespie, Texas | 2 | $ 2,130,000 | $ 1,065,000 | $ 435,000 |
| Grimes, Texas | 2 | $ 1,780,000 | $ 890,000 | $ 260,000 |
| Kendall, Texas | 2 | $ 1,680,000 | $ 840,000 | $ 0 |
| Limestone, Texas | 2 | $ 1,960,000 | $ 980,000 | $ 264,000 |
| Washington, Texas | 2 | $ 1,800,000 | $ 900,000 | $ 489,000 |
| Benton, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Riverside, California | 1 | $ 205,000 | $ 205,000 | $ 632,000 |
| Pitkin, Colorado | 1 | $ 4,955,000 | $ 4,955,000 | $ 2,950,000 |
| Lafayette, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 789,000 |
| Flathead, Montana | 1 | $ 1,135,000 | $ 1,135,000 | $ 2,120,000 |
| Davidson, Tennessee | 1 | $ 2,725,000 | $ 2,725,000 | $ 4,087,000 |
| Aransas, Texas | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Cherokee, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Collin, Texas | 1 | $ 1,035,000 | $ 1,035,000 | $ 700,000 |
| Colorado, Texas | 1 | $ 315,000 | $ 315,000 | $ 269,000 |
| Ector, Texas | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Fannin, Texas | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Fayette, Texas | 1 | $ 295,000 | $ 295,000 | $ 489,000 |
| Houston, Texas | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Hunt, Texas | 1 | $ 1,205,000 | $ 1,205,000 | $ 250,000 |
| Lee, Texas | 1 | $ 495,000 | $ 495,000 | $ 122,000 |
| Leon, Texas | 1 | $ 315,000 | $ 315,000 | $ 555,000 |
| Llano, Texas | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Newton, Texas | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Palo Pinto, Texas | 1 | $ 1,455,000 | $ 1,455,000 | $ 453,000 |
| San Augustine, Texas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Shelby, Texas | 1 | $ 10,105,000 | $ 10,105,000 | $ 0 |
| Wharton, Texas | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Wasatch, Utah | 1 | $ 2,585,000 | $ 2,585,000 | $ 0 |
Mortgage Loan Application Detail Totals for Allegiance Bank in 2022
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 | 926 | $690,180,000 | $745,000 | $26,145,000 | $334,000 | $6,646,000 |
| Refinancing | 165 | $82,655,000 | $500,000 | $3,845,000 | $276,000 | $2,209,000 |
| Cash-out Refinancing | 104 | $25,530,000 | $245,000 | $5,005,000 | $184,000 | $1,188,000 |
| Home Improvement | 40 | $10,880,000 | $272,000 | $2,805,000 | $217,000 | $898,000 |
| Other Purpose | 18 | $9,220,000 | $512,000 | $3,505,000 | $277,000 | $3,070,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 482 | $395,430,000 | $820,000 | $26,145,000 | $0 | $0 |
| White | 311 | $180,835,000 | $581,000 | $6,675,000 | $362,000 | $6,646,000 |
| Not Provided | 229 | $124,915,000 | $545,000 | $6,005,000 | $329,000 | $3,070,000 |
| Hispanic | 116 | $43,050,000 | $371,000 | $3,605,000 | $128,000 | $664,000 |
| Black or African American | 57 | $25,825,000 | $453,000 | $3,105,000 | $254,000 | $2,209,000 |
| Asian | 39 | $31,645,000 | $811,000 | $3,375,000 | $298,000 | $1,416,000 |
| American Indian or Alaskan Native | 5 | $1,035,000 | $207,000 | $315,000 | $336,000 | $1,306,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,251 | $818,215,000 | $654,000 | $26,145,000 | $305,000 | $6,646,000 |
| FHA-insured (Federal Housing Administration) | 2 | $250,000 | $125,000 | $175,000 | $71,000 | $121,000 |
| 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 | 722 | $543,440,000 | $752,000 | $26,145,000 | $451,000 | $6,646,000 |
| Application Denied By Financial Institution | 159 | $70,365,000 | $442,000 | $3,605,000 | $147,000 | $1,200,000 |
| Loan Purchased By The Institution | 153 | $35,345,000 | $231,000 | $615,000 | $85,000 | $325,000 |
| Application Withdrawn By Applicant | 129 | $105,315,000 | $816,000 | $10,605,000 | $422,000 | $6,646,000 |
| Application Approved But Not Accepted | 62 | $45,610,000 | $735,000 | $12,005,000 | $498,000 | $3,240,000 |
| File Closed For Incompleteness | 28 | $18,390,000 | $656,000 | $2,805,000 | $249,000 | $1,015,000 |
| 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 | 1,094 | $748,100,000 | $683,000 | $26,145,000 | $343,000 | $6,646,000 |
| Debt-To-Income Ratio | 86 | $51,140,000 | $594,000 | $3,605,000 | $127,000 | $707,000 |
| Credit History | 42 | $12,450,000 | $296,000 | $1,505,000 | $165,000 | $1,200,000 |
| Other | 16 | $4,590,000 | $286,000 | $1,205,000 | $204,000 | $705,000 |
| Collateral | 13 | $1,825,000 | $140,000 | $455,000 | $200,000 | $1,020,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $42,000 | $42,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $72,000 | $72,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegiance Bank's 2022 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 Allegiance 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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