Bandera Bank Mortgage Lending & HMDA Data, 2024
In 2024, Bandera Bank of Bandera, TX reported 23 mortgage applications totaling $5.5 million, down 30% from 2023. The average application was for $238,913, and applicants reported an average income of $170,173. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Antonio-New Braunfels, TX (21) and Dallas-Plano-Irving, TX (1).
| Mortgage Company & Address | Bandera Bank P O Box 1596 Bandera, TX 78003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 |
| Total Number of Mortgage Applications | 23 |
| Total Mortgage Loan Application Amount | $5,495,000 |
| Average Mortgage Loan Application Amount | $238,913 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $170,173 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bandera Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bandera, Texas | 19 | $ 4,555,000 | $ 239,736 | $ 111,000 |
| Medina, Texas | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Dallas, Texas | 1 | $ 505,000 | $ 505,000 | $ 1,500,000 |
| Uvalde, Texas | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Bandera Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 8 | $1,360,000 | $170,000 | $255,000 | $89,000 | $156,000 |
| Home Improvement | 5 | $675,000 | $135,000 | $265,000 | $85,000 | $127,000 |
| Home Purchase | 5 | $1,455,000 | $291,000 | $555,000 | $69,000 | $82,000 |
| Refinancing | 4 | $1,500,000 | $375,000 | $805,000 | $233,000 | $621,000 |
| Other Purpose | 1 | $505,000 | $505,000 | $505,000 | $1,500,000 | $1,500,000 |
| 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 | 20 | $4,780,000 | $239,000 | $805,000 | $183,000 | $1,500,000 |
| Hispanic | 3 | $715,000 | $238,000 | $555,000 | $86,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 23 | $5,495,000 | $238,000 | $805,000 | $170,000 | $1,500,000 |
| 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 | 16 | $3,800,000 | $237,000 | $805,000 | $215,000 | $1,500,000 |
| Application Denied By Financial Institution | 4 | $1,110,000 | $277,000 | $555,000 | $74,000 | $127,000 |
| Application Withdrawn By Applicant | 2 | $320,000 | $160,000 | $235,000 | $59,000 | $68,000 |
| Application Approved But Not Accepted | 1 | $265,000 | $265,000 | $265,000 | $64,000 | $64,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $5,495,000 | $238,000 | $805,000 | $170,000 | $1,500,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bandera Bank's 2024 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 Bandera 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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with aggregated HMDA statistics today.
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