Bank of Texas, NA Mortgage Lending & HMDA Data, 2009
In 2009, Bank of Texas, NA of Tulsa, OK reported 3,524 mortgage applications totaling $775.1 million, up 93% from 2008. The average application was for $219,945, and applicants reported an average income of $173,017. 59% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,162), Houston-Sugar Land-Baytown, TX (1,056) and Fort Worth-Arlington, TX (688) (applications in parentheses).
| Mortgage Company & Address | Bank of Texas, NA Po Box 2300 Tulsa, OK 74102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,524 |
| Total Mortgage Loan Application Amount | $775,089,000 |
| Average Mortgage Loan Application Amount | $219,945 |
| Highest Mortgage Loan Application Amount | $5,050,000 |
| Average Applicant Income | $173,017 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Texas, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 1,162 | $ 294,383,000 | $ 253,341 | $ 204,000 |
| Houston-Sugar Land-Baytown, TX | 1,056 | $ 219,428,000 | $ 207,791 | $ 168,000 |
| Fort Worth-Arlington, TX | 688 | $ 119,020,000 | $ 172,994 | $ 134,000 |
| Sherman-Denison, TX | 110 | $ 14,682,000 | $ 133,472 | $ 110,000 |
| Austin-Round Rock, TX | 73 | $ 19,207,000 | $ 263,109 | $ 208,000 |
| San Antonio, TX | 31 | $ 6,235,000 | $ 201,129 | $ 135,000 |
| Denver-Aurora-Broomfield, CO | 25 | $ 6,861,000 | $ 274,440 | $ 157,000 |
| College Station-Bryan, TX | 13 | $ 1,537,000 | $ 118,230 | $ 107,000 |
| Fort Collins-Loveland, CO | 11 | $ 2,466,000 | $ 224,181 | $ 113,000 |
| Colorado Springs, CO | 8 | $ 2,868,000 | $ 358,500 | $ 277,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 3,767,000 | $ 470,875 | $ 236,000 |
| Tulsa, OK | 8 | $ 1,400,000 | $ 175,000 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 724,000 | $ 120,666 | $ 353,000 |
| Oklahoma City, OK | 6 | $ 1,623,000 | $ 270,500 | $ 102,000 |
| St. Louis, MO-IL | 6 | $ 1,283,000 | $ 213,833 | $ 132,000 |
| Albuquerque, NM | 5 | $ 1,708,000 | $ 341,600 | $ 138,000 |
| Beaumont-Port Arthur, TX | 4 | $ 482,000 | $ 120,500 | $ 80,000 |
| Kansas City, MO-KS | 4 | $ 3,260,000 | $ 815,000 | $ 627,000 |
| Santa Fe, NM | 4 | $ 1,392,000 | $ 348,000 | $ 683,000 |
| Flagstaff, AZ | 3 | $ 1,099,000 | $ 366,333 | $ 106,000 |
| Victoria, TX | 3 | $ 768,000 | $ 256,000 | $ 328,000 |
| Waco, TX | 3 | $ 468,000 | $ 156,000 | $ 87,000 |
| Brownsville-Harlingen, TX | 2 | $ 237,000 | $ 118,500 | $ 207,000 |
| Columbia, MO | 2 | $ 730,000 | $ 365,000 | $ 397,000 |
| Corpus Christi, TX | 2 | $ 386,000 | $ 193,000 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 456,000 | $ 228,000 | $ 126,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 345,000 | $ 172,500 | $ 58,000 |
| Grand Junction, CO | 2 | $ 252,000 | $ 126,000 | $ 51,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 175,000 | $ 87,500 | $ 64,000 |
| Memphis, TN-MS-AR | 2 | $ 160,000 | $ 80,000 | $ 46,000 |
| Wichita Falls, TX | 2 | $ 174,000 | $ 87,000 | $ 33,000 |
| Abilene, TX | 1 | $ 71,000 | $ 71,000 | $ 23,000 |
| Anchorage, AK | 1 | $ 174,000 | $ 174,000 | $ 112,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 187,000 | $ 187,000 | $ 148,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Baton Rouge, LA | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Birmingham-Hoover, AL | 1 | $ 163,000 | $ 163,000 | $ 144,000 |
| Bloomington, IN | 1 | $ 68,000 | $ 68,000 | $ 172,000 |
| Boulder, CO | 1 | $ 480,000 | $ 480,000 | $ 208,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 385,000 | $ 385,000 | $ 374,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 296,000 | $ 296,000 | $ 214,000 |
| El Paso, TX | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Greeley, CO | 1 | $ 1,290,000 | $ 1,290,000 | $ 1,381,000 |
| Honolulu, HI | 1 | $ 720,000 | $ 720,000 | $ 472,000 |
| Huntsville, AL | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Jacksonville, FL | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Las Cruces, NM | 1 | $ 259,000 | $ 259,000 | $ 141,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 308,000 | $ 308,000 | $ 277,000 |
| Longview, TX | 1 | $ 176,000 | $ 176,000 | $ 116,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 356,000 | $ 356,000 | $ 179,000 |
| Madera-Chowchilla, CA | 1 | $ 180,000 | $ 180,000 | $ 39,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Midland, TX | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Missoula, MT | 1 | $ 700,000 | $ 700,000 | $ 300,000 |
| Mobile, AL | 1 | $ 193,000 | $ 193,000 | $ 90,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 216,000 | $ 216,000 | $ 824,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 252,000 | $ 252,000 | $ 80,000 |
| Odessa, TX | 1 | $ 18,000 | $ 18,000 | $ 115,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 387,000 | $ 387,000 | $ 173,000 |
| Pittsburgh, PA | 1 | $ 132,000 | $ 132,000 | $ 569,000 |
| Port St. Lucie, FL | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Prescott, AZ | 1 | $ 132,000 | $ 132,000 | $ 387,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 212,000 | $ 212,000 | $ 313,000 |
| Rome, GA | 1 | $ 525,000 | $ 525,000 | $ 258,000 |
| Salt Lake City, UT | 1 | $ 1,200,000 | $ 1,200,000 | $ 2,056,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 1,450,000 | $ 1,450,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 416,000 | $ 416,000 | $ 305,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Tucson, AZ | 1 | $ 417,000 | $ 417,000 | $ 254,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 417,000 | $ 417,000 | $ 400,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 222,000 | $ 222,000 | $ 78,000 |
| Wichita, KS | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| Worcester, MA | 1 | $ 200,000 | $ 200,000 | $ 286,000 |
Mortgage Loan Application Detail Totals for Bank of Texas, NA in 2009
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 | 1,978 | $449,197,000 | $227,000 | $2,708,000 | $175,000 | $9,999,000 |
| Home Purchase | 1,271 | $308,133,000 | $242,000 | $5,050,000 | $184,000 | $7,038,000 |
| Home Improvement | 275 | $17,759,000 | $64,000 | $700,000 | $108,000 | $1,652,000 |
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 | 2,517 | $581,567,000 | $231,000 | $5,050,000 | $183,000 | $9,999,000 |
| Not Provided | 371 | $82,724,000 | $222,000 | $1,500,000 | $180,000 | $6,000,000 |
| Hispanic | 300 | $43,812,000 | $146,000 | $2,708,000 | $127,000 | $7,038,000 |
| Asian | 174 | $42,229,000 | $242,000 | $1,500,000 | $158,000 | $1,268,000 |
| Black or African American | 135 | $16,830,000 | $124,000 | $598,000 | $97,000 | $1,452,000 |
| American Indian or Alaskan Native | 15 | $1,699,000 | $113,000 | $252,000 | $197,000 | $1,652,000 |
| Not applicable | 7 | $4,862,000 | $694,000 | $1,900,000 | $85,000 | $601,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,366,000 | $273,000 | $600,000 | $136,000 | $215,000 |
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) | 3,016 | $706,446,000 | $234,000 | $5,050,000 | $191,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 467 | $62,489,000 | $133,000 | $276,000 | $66,000 | $926,000 |
| VA-guaranteed (Veterans Administration) | 41 | $6,154,000 | $150,000 | $279,000 | $65,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,063 | $444,538,000 | $215,000 | $2,708,000 | $178,000 | $7,227,000 |
| Application Denied By Financial Institution | 725 | $153,325,000 | $211,000 | $5,050,000 | $165,000 | $9,999,000 |
| Application Withdrawn By Applicant | 300 | $79,280,000 | $264,000 | $2,500,000 | $192,000 | $2,826,000 |
| File Closed For Incompleteness | 235 | $57,654,000 | $245,000 | $2,000,000 | $178,000 | $7,038,000 |
| Preapproval Denied by Financial Institution | 126 | $28,200,000 | $223,000 | $1,990,000 | $103,000 | $941,000 |
| Application Approved But Not Accepted | 75 | $12,092,000 | $161,000 | $920,000 | $144,000 | $804,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 330 | $46,448,000 | $140,000 | $1,664,000 | $147,000 | $9,999,000 |
| Credit Application Incomplete | 196 | $53,155,000 | $271,000 | $5,050,000 | $122,000 | $924,000 |
| Debt-To-Income Ratio | 126 | $31,154,000 | $247,000 | $2,282,000 | $96,000 | $600,000 |
| Collateral | 112 | $22,504,000 | $200,000 | $1,188,000 | $163,000 | $824,000 |
| Other | 47 | $12,886,000 | $274,000 | $2,282,000 | $415,000 | $9,999,000 |
| Unverifiable Information | 25 | $12,151,000 | $486,000 | $3,600,000 | $309,000 | $1,511,000 |
| Employment History | 8 | $2,128,000 | $266,000 | $824,000 | $192,000 | $454,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,099,000 | $157,000 | $621,000 | $117,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Texas, NA's 2009 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 Bank of Texas, NA'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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