Bank of the Hills, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, Bank of the Hills, N.A. of Kerrville, TX reported 262 mortgage applications totaling $35.8 million. The average application was for $136,790, and applicants reported an average income of $90,591. 47% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Antonio, TX (49), Houston-Baytown-Sugar Land, TX (36) and Amarillo, TX (1) (applications in parentheses).
| Mortgage Company & Address | Bank of the Hills, N.A. 1075 Junction Highway Kerrville, TX 78028 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 262 |
| Total Mortgage Loan Application Amount | $35,839,000 |
| Average Mortgage Loan Application Amount | $136,790 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $90,591 |
| Highest Applicant Income | $876,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of the Hills, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 49 | $ 6,552,000 | $ 133,714 | $ 85,000 |
| Houston-Baytown-Sugar Land, TX | 36 | $ 13,035,000 | $ 362,083 | $ 180,000 |
| Amarillo, TX | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Austin-Round Rock, TX | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| College Station-Bryan, TX | 1 | $ 19,000 | $ 19,000 | $ 18,000 |
| Corpus Christi, TX | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 311,000 | $ 311,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Bank of the Hills, N.A. in 2005
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 | 148 | $28,903,000 | $252,500 | $1,600,000 | $89,000 | $876,000 |
| Home Improvement | 77 | $2,811,000 | $36,000 | $250,000 | $79,000 | $785,000 |
| Refinancing | 37 | $4,125,000 | $111,000 | $350,000 | $54,000 | $157,000 |
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 | 207 | $29,225,000 | $225,500 | $1,600,000 | $85,500 | $876,000 |
| Hispanic | 33 | $1,763,000 | $53,000 | $286,000 | $70,000 | $200,000 |
| Not Provided | 8 | $2,098,000 | $262,000 | $395,000 | $104,000 | $303,000 |
| Asian | 7 | $1,802,000 | $257,000 | $440,000 | $106,000 | $200,000 |
| Not applicable | 4 | $302,000 | $75,000 | $110,000 | $0 | $0 |
| Black or African American | 2 | $634,000 | $317,000 | $334,000 | $168,000 | $221,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $70,000 | $70,000 |
| 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) | 261 | $35,730,000 | $223,500 | $1,600,000 | $82,000 | $876,000 |
| FHA-insured (Federal Housing Administration) | 1 | $109,000 | $109,000 | $109,000 | $36,000 | $36,000 |
| 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 | 123 | $10,452,000 | $84,000 | $825,000 | $90,000 | $876,000 |
| Application Withdrawn By Applicant | 59 | $9,279,000 | $157,000 | $1,600,000 | $76,000 | $324,000 |
| Loan Purchased By The Institution | 45 | $14,140,000 | $312,500 | $608,000 | $102,500 | $453,000 |
| Application Denied By Financial Institution | 35 | $1,968,000 | $56,000 | $199,000 | $56,000 | $200,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $1,016,000 | $44,000 | $199,000 | $53,000 | $200,000 |
| Debt-To-Income Ratio | 10 | $688,000 | $68,000 | $185,000 | $46,000 | $129,000 |
| Collateral | 2 | $264,000 | $132,000 | $176,000 | $92,000 | $158,000 |
| Credit Application Incomplete | 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 Bank of the Hills, N.A.'s 2005 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 the Hills, N.A.'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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