American Bank of Texas Mortgage Lending & HMDA Data, 2014
In 2014, American Bank of Texas of Sherman, TX reported 483 mortgage applications totaling $86.5 million, down 7% from 2013. The average application was for $179,101, and applicants reported an average income of $85,838. 65% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Sherman-Denison, TX (228), San Antonio-New Braunfels, TX (44) and Dallas-Plano-Irving, TX (26) (applications in parentheses).
| Mortgage Company & Address | American Bank of Texas Po Box 1234 Sherman, TX 75091 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 483 |
| Total Mortgage Loan Application Amount | $86,506,000 |
| Average Mortgage Loan Application Amount | $179,101 |
| Highest Mortgage Loan Application Amount | $27,000,000 |
| Average Applicant Income | $85,838 |
| Highest Applicant Income | $1,120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank of Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sherman-Denison, TX | 228 | $ 14,275,000 | $ 62,609 | $ 86,000 |
| San Antonio-New Braunfels, TX | 44 | $ 4,608,000 | $ 104,727 | $ 89,000 |
| Dallas-Plano-Irving, TX | 26 | $ 40,403,000 | $ 1,553,961 | $ 114,000 |
| Austin-Round Rock, TX | 14 | $ 11,896,000 | $ 849,714 | $ 92,000 |
| Killeen-Temple, TX | 3 | $ 215,000 | $ 71,666 | $ 83,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 630,000 | $ 210,000 | $ 112,000 |
| Corpus Christi, TX | 2 | $ 291,000 | $ 145,500 | $ 44,000 |
| Rockford, IL | 2 | $ 38,000 | $ 19,000 | $ 272,000 |
| College Station-Bryan, TX | 1 | $ 370,000 | $ 370,000 | $ 401,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 456,000 | $ 456,000 | $ 126,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 161,000 | $ 161,000 | $ 771,000 |
Mortgage Loan Application Detail Totals for American Bank of Texas in 2014
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 | 281 | $68,834,000 | $244,000 | $27,000,000 | $89,000 | $1,120,000 |
| Home Improvement | 181 | $14,595,000 | $80,000 | $10,000,000 | $83,000 | $1,000,000 |
| Refinancing | 21 | $3,077,000 | $146,000 | $456,000 | $68,000 | $203,000 |
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 | 336 | $27,433,000 | $81,000 | $580,000 | $100,000 | $1,000,000 |
| Not applicable | 57 | $53,060,000 | $930,000 | $27,000,000 | $0 | $0 |
| Hispanic | 56 | $2,363,000 | $42,000 | $350,000 | $41,000 | $134,000 |
| Not Provided | 11 | $2,412,000 | $219,000 | $600,000 | $153,000 | $311,000 |
| Black or African American | 10 | $155,000 | $15,000 | $71,000 | $63,000 | $185,000 |
| American Indian or Alaskan Native | 10 | $683,000 | $68,000 | $350,000 | $298,000 | $1,120,000 |
| Asian | 3 | $400,000 | $133,000 | $145,000 | $17,000 | $52,000 |
| 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) | 483 | $86,506,000 | $179,000 | $27,000,000 | $85,000 | $1,120,000 |
| 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 | 313 | $72,866,000 | $232,000 | $27,000,000 | $85,000 | $1,011,000 |
| Application Denied By Financial Institution | 109 | $6,911,000 | $63,000 | $600,000 | $62,000 | $343,000 |
| Application Approved But Not Accepted | 54 | $5,352,000 | $99,000 | $415,000 | $132,000 | $1,120,000 |
| File Closed For Incompleteness | 4 | $646,000 | $161,000 | $336,000 | $92,000 | $180,000 |
| Application Withdrawn By Applicant | 3 | $731,000 | $243,000 | $580,000 | $104,000 | $254,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank of Texas's 2014 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'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.
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