American Bank of Texas-Seguin Mortgage Lending & HMDA Data, 2003
In 2003, American Bank of Texas-Seguin of Seguin, TX reported 218 mortgage applications totaling $21.2 million. The average application was for $97,243, and applicants reported an average income of $72,880. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were San Antonio, TX (198), Austin-San Marcos, TX (4) and Bryan-College Station, TX (1) (applications in parentheses).
| Mortgage Company & Address | American Bank of Texas-Seguin 200 N Austin St Seguin, TX 78155 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 218 |
| Total Mortgage Loan Application Amount | $21,199,000 |
| Average Mortgage Loan Application Amount | $97,243 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $72,880 |
| Highest Applicant Income | $656,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank of Texas-Seguin filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Antonio, TX | 198 | $ 18,647,000 | $ 94,176 | $ 64,000 |
| Austin-San Marcos, TX | 4 | $ 523,000 | $ 130,750 | $ 113,000 |
| Bryan-College Station, TX | 1 | $ 10,000 | $ 10,000 | $ 88,000 |
| Dallas, TX | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Fort Worth-Arlington, TX | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Houston, TX | 1 | $ 106,000 | $ 106,000 | $ 35,000 |
| Longview-Marshall, TX | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 79,000 | $ 79,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for American Bank of Texas-Seguin 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 90 | $9,481,000 | $105,000 | $365,000 | $67,000 | $205,000 |
| Home Purchase (one-to-four family) | 87 | $10,812,000 | $106,500 | $700,000 | $64,000 | $656,000 |
| Home Improvement (one-to-four family) | 41 | $906,000 | $22,000 | $77,000 | $75,000 | $318,000 |
| 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 | 181 | $18,560,000 | $100,000 | $700,000 | $65,500 | $656,000 |
| Hispanic | 29 | $2,121,000 | $73,000 | $306,000 | $56,000 | $318,000 |
| Black | 6 | $308,000 | $58,500 | $157,000 | $47,000 | $58,000 |
| Other | 1 | $200,000 | $200,000 | $200,000 | $82,000 | $82,000 |
| Asian or Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $88,000 | $88,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 214 | $20,761,000 | $92,500 | $700,000 | $61,500 | $656,000 |
| FHA-insured (Federal Housing Administration) | 4 | $438,000 | $109,000 | $158,000 | $63,000 | $82,000 |
| 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 | 172 | $17,066,000 | $99,000 | $700,000 | $88,000 | $656,000 |
| Application Denied By Financial Institution | 27 | $1,625,000 | $64,500 | $330,000 | $45,000 | $110,000 |
| Application Withdrawn By Applicant | 17 | $2,157,000 | $114,000 | $306,000 | $66,500 | $174,000 |
| Application Approved But Not Accepted | 2 | $351,000 | $175,000 | $320,000 | $91,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $546,000 | $39,000 | $136,000 | $45,000 | $100,000 |
| Debt-To-Income Ratio | 7 | $815,000 | $97,000 | $330,000 | $47,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $22,000 | $22,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $11,000 | $11,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank of Texas-Seguin'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 American Bank of Texas-Seguin'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About