Capital Farm Credit, Aca Mortgage Lending & HMDA Data, 2016
In 2016, Capital Farm Credit, Aca of Bryan, TX reported 790 mortgage applications totaling $239.9 million, up 38% from 2015. The average application was for $303,687, and applicants reported an average income of $179,181. 55% of its applications resulted in an originated loan and 19% were denied. Its largest markets were San Antonio-New Braunfels, TX (126), Houston-The Woodlands-Sugar Land, TX (76) and Austin-Round Rock, TX (74) (applications in parentheses).
| Mortgage Company & Address | Capital Farm Credit, Aca 3000 Briarcrest Drive Suite 601 Bryan, TX 77802 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 790 |
| Total Mortgage Loan Application Amount | $239,913,000 |
| Average Mortgage Loan Application Amount | $303,687 |
| Highest Mortgage Loan Application Amount | $5,254,000 |
| Average Applicant Income | $179,181 |
| Highest Applicant Income | $5,340,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital Farm Credit, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Guadalupe, Texas | 26 | $ 5,628,000 | $ 216,461 | $ 129,000 |
| Comal, Texas | 21 | $ 5,836,000 | $ 277,904 | $ 129,000 |
| Hays, Texas | 21 | $ 6,223,000 | $ 296,333 | $ 209,000 |
| Medina, Texas | 19 | $ 3,963,000 | $ 208,578 | $ 127,000 |
| Fayette, Texas | 18 | $ 4,469,000 | $ 248,277 | $ 195,000 |
| Grimes, Texas | 17 | $ 2,853,000 | $ 167,823 | $ 101,000 |
| Bandera, Texas | 16 | $ 3,545,000 | $ 221,562 | $ 123,000 |
| Bexar, Texas | 16 | $ 3,800,000 | $ 237,500 | $ 125,000 |
| Caldwell, Texas | 16 | $ 2,087,000 | $ 130,437 | $ 84,000 |
| Williamson, Texas | 16 | $ 3,738,000 | $ 233,625 | $ 99,000 |
| Wilson, Texas | 15 | $ 3,696,000 | $ 246,400 | $ 123,000 |
| Brazoria, Texas | 14 | $ 4,028,000 | $ 287,714 | $ 143,000 |
| Colorado, Texas | 14 | $ 5,324,000 | $ 380,285 | $ 187,000 |
| Bastrop, Texas | 13 | $ 2,850,000 | $ 219,230 | $ 150,000 |
| Burnet, Texas | 13 | $ 4,142,000 | $ 318,615 | $ 220,000 |
| Fort Bend, Texas | 13 | $ 4,049,000 | $ 311,461 | $ 136,000 |
| McLennan, Texas | 13 | $ 3,281,000 | $ 252,384 | $ 194,000 |
| Brazos, Texas | 12 | $ 5,832,000 | $ 486,000 | $ 256,000 |
| Gillespie, Texas | 12 | $ 3,392,000 | $ 282,666 | $ 201,000 |
| Walker, Texas | 12 | $ 3,917,000 | $ 326,416 | $ 160,000 |
| Austin, Texas | 11 | $ 3,223,000 | $ 293,000 | $ 141,000 |
| Kerr, Texas | 10 | $ 2,272,000 | $ 227,200 | $ 139,000 |
| Montgomery, Texas | 10 | $ 3,111,000 | $ 311,100 | $ 193,000 |
| Waller, Texas | 10 | $ 3,345,000 | $ 334,500 | $ 127,000 |
| Blanco, Texas | 9 | $ 7,507,000 | $ 834,111 | $ 463,000 |
| Burleson, Texas | 9 | $ 3,343,000 | $ 371,444 | $ 137,000 |
| Kendall, Texas | 9 | $ 3,336,000 | $ 370,666 | $ 169,000 |
| Kimble, Texas | 9 | $ 3,275,000 | $ 363,888 | $ 255,000 |
| Lavaca, Texas | 9 | $ 2,372,000 | $ 263,555 | $ 125,000 |
| Leon, Texas | 9 | $ 2,679,000 | $ 297,666 | $ 233,000 |
| Wharton, Texas | 9 | $ 6,812,000 | $ 756,888 | $ 164,000 |
| Gonzales, Texas | 8 | $ 2,441,000 | $ 305,125 | $ 190,000 |
| Lubbock, Texas | 8 | $ 1,512,000 | $ 189,000 | $ 84,000 |
| Tom Green, Texas | 8 | $ 3,326,000 | $ 415,750 | $ 202,000 |
| Travis, Texas | 8 | $ 2,188,000 | $ 273,500 | $ 140,000 |
| Bell, Texas | 7 | $ 2,159,000 | $ 308,428 | $ 198,000 |
| Falls, Texas | 7 | $ 6,876,000 | $ 982,285 | $ 521,000 |
| Lampasas, Texas | 7 | $ 2,110,000 | $ 301,428 | $ 323,000 |
| Milam, Texas | 7 | $ 1,125,000 | $ 160,714 | $ 209,000 |
| San Jacinto, Texas | 7 | $ 1,208,000 | $ 172,571 | $ 109,000 |
| Trinity, Texas | 7 | $ 886,000 | $ 126,571 | $ 80,000 |
| Washington, Texas | 7 | $ 1,929,000 | $ 275,571 | $ 182,000 |
| Bee, Texas | 6 | $ 1,020,000 | $ 170,000 | $ 96,000 |
| Bosque, Texas | 6 | $ 2,090,000 | $ 348,333 | $ 134,000 |
| Harris, Texas | 6 | $ 1,983,000 | $ 330,500 | $ 206,000 |
| Hidalgo, Texas | 6 | $ 2,871,000 | $ 478,500 | $ 520,000 |
| Houston, Texas | 6 | $ 1,012,000 | $ 168,666 | $ 123,000 |
| Lee, Texas | 6 | $ 948,000 | $ 158,000 | $ 155,000 |
| Liberty, Texas | 6 | $ 790,000 | $ 131,666 | $ 122,000 |
| Montague, Texas | 6 | $ 3,466,000 | $ 577,666 | $ 328,000 |
| Robertson, Texas | 6 | $ 1,206,000 | $ 201,000 | $ 94,000 |
| Brewster, Texas | 5 | $ 1,474,000 | $ 294,800 | $ 102,000 |
| Frio, Texas | 5 | $ 841,000 | $ 168,200 | $ 83,000 |
| Live Oak, Texas | 5 | $ 1,351,000 | $ 270,200 | $ 101,000 |
| Llano, Texas | 5 | $ 970,000 | $ 194,000 | $ 126,000 |
| Madison, Texas | 5 | $ 627,000 | $ 125,400 | $ 126,000 |
| Polk, Texas | 5 | $ 1,070,000 | $ 214,000 | $ 110,000 |
| Webb, Texas | 5 | $ 668,000 | $ 133,600 | $ 103,000 |
| Atascosa, Texas | 4 | $ 831,000 | $ 207,750 | $ 127,000 |
| Callahan, Texas | 4 | $ 567,000 | $ 141,750 | $ 73,000 |
| Coryell, Texas | 4 | $ 823,000 | $ 205,750 | $ 102,000 |
| Lamb, Texas | 4 | $ 353,000 | $ 88,250 | $ 134,000 |
| Mason, Texas | 4 | $ 841,000 | $ 210,250 | $ 100,000 |
| Mills, Texas | 4 | $ 1,469,000 | $ 367,250 | $ 306,000 |
| Bailey, Texas | 3 | $ 614,000 | $ 204,666 | $ 47,000 |
| Chambers, Texas | 3 | $ 1,008,000 | $ 336,000 | $ 227,000 |
| Dawson, Texas | 3 | $ 2,543,000 | $ 847,666 | $ 354,000 |
| Edwards, Texas | 3 | $ 933,000 | $ 311,000 | $ 179,000 |
| Galveston, Texas | 3 | $ 850,000 | $ 283,333 | $ 156,000 |
| Hardeman, Texas | 3 | $ 549,000 | $ 183,000 | $ 64,000 |
| Jim Wells, Texas | 3 | $ 552,000 | $ 184,000 | $ 199,000 |
| Jones, Texas | 3 | $ 643,000 | $ 214,333 | $ 118,000 |
| Karnes, Texas | 3 | $ 1,065,000 | $ 355,000 | $ 140,000 |
| Matagorda, Texas | 3 | $ 676,000 | $ 225,333 | $ 76,000 |
| McMullen, Texas | 3 | $ 2,774,000 | $ 924,666 | $ 1,845,000 |
| Parmer, Texas | 3 | $ 498,000 | $ 166,000 | $ 86,000 |
| Randall, Texas | 3 | $ 720,000 | $ 240,000 | $ 150,000 |
| Taylor, Texas | 3 | $ 1,087,000 | $ 362,333 | $ 200,000 |
| Aransas, Texas | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Brown, Texas | 2 | $ 462,000 | $ 231,000 | $ 193,000 |
| Coleman, Texas | 2 | $ 326,000 | $ 163,000 | $ 184,000 |
| Collin, Texas | 2 | $ 1,093,000 | $ 546,500 | $ 203,000 |
| Dallam, Texas | 2 | $ 184,000 | $ 92,000 | $ 260,000 |
| Deaf Smith, Texas | 2 | $ 349,000 | $ 174,500 | $ 107,000 |
| Dickens, Texas | 2 | $ 1,279,000 | $ 639,500 | $ 268,000 |
| Duval, Texas | 2 | $ 1,086,000 | $ 543,000 | $ 564,000 |
| Fisher, Texas | 2 | $ 1,663,000 | $ 831,500 | $ 576,000 |
| Goliad, Texas | 2 | $ 201,000 | $ 100,500 | $ 93,000 |
| Jack, Texas | 2 | $ 901,000 | $ 450,500 | $ 242,000 |
| Jefferson, Texas | 2 | $ 427,000 | $ 213,500 | $ 115,000 |
| Johnson, Texas | 2 | $ 1,689,000 | $ 844,500 | $ 133,000 |
| Kent, Texas | 2 | $ 252,000 | $ 126,000 | $ 81,000 |
| Kleberg, Texas | 2 | $ 275,000 | $ 137,500 | $ 147,000 |
| Knox, Texas | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| La Salle, Texas | 2 | $ 304,000 | $ 152,000 | $ 109,000 |
| McCulloch, Texas | 2 | $ 280,000 | $ 140,000 | $ 126,000 |
| Menard, Texas | 2 | $ 453,000 | $ 226,500 | $ 174,000 |
| Midland, Texas | 2 | $ 1,752,000 | $ 876,000 | $ 583,000 |
| Mitchell, Texas | 2 | $ 296,000 | $ 148,000 | $ 103,000 |
| Moore, Texas | 2 | $ 323,000 | $ 161,500 | $ 116,000 |
| Pecos, Texas | 2 | $ 2,871,000 | $ 1,435,500 | $ 161,000 |
| San Patricio, Texas | 2 | $ 298,000 | $ 149,000 | $ 141,000 |
| San Saba, Texas | 2 | $ 455,000 | $ 227,500 | $ 112,000 |
| Tyler, Texas | 2 | $ 348,000 | $ 174,000 | $ 186,000 |
| Uvalde, Texas | 2 | $ 751,000 | $ 375,500 | $ 130,000 |
| Victoria, Texas | 2 | $ 524,000 | $ 262,000 | $ 46,000 |
| Wilbarger, Texas | 2 | $ 1,186,000 | $ 593,000 | $ 207,000 |
| Granite, Montana | 1 | $ 638,000 | $ 638,000 | $ 299,000 |
| Union, New Mexico | 1 | $ 471,000 | $ 471,000 | $ 173,000 |
| Beaver, Oklahoma | 1 | $ 107,000 | $ 107,000 | $ 66,000 |
| Osage, Oklahoma | 1 | $ 3,520,000 | $ 3,520,000 | $ 3,956,000 |
| Carson, Texas | 1 | $ 220,000 | $ 220,000 | $ 114,000 |
| Cochran, Texas | 1 | $ 49,000 | $ 49,000 | $ 78,000 |
| Coke, Texas | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Collingsworth, Texas | 1 | $ 164,000 | $ 164,000 | $ 150,000 |
| Concho, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cottle, Texas | 1 | $ 130,000 | $ 130,000 | $ 68,000 |
| DeWitt, Texas | 1 | $ 184,000 | $ 184,000 | $ 42,000 |
| Dimmit, Texas | 1 | $ 34,000 | $ 34,000 | $ 100,000 |
| Gaines, Texas | 1 | $ 220,000 | $ 220,000 | $ 102,000 |
| Glasscock, Texas | 1 | $ 205,000 | $ 205,000 | $ 188,000 |
| Hamilton, Texas | 1 | $ 400,000 | $ 400,000 | $ 136,000 |
| Hardin, Texas | 1 | $ 328,000 | $ 328,000 | $ 85,000 |
| Hartley, Texas | 1 | $ 4,175,000 | $ 4,175,000 | $ 880,000 |
| Hill, Texas | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| Hutchinson, Texas | 1 | $ 240,000 | $ 240,000 | $ 157,000 |
| Jackson, Texas | 1 | $ 124,000 | $ 124,000 | $ 162,000 |
| Jasper, Texas | 1 | $ 206,000 | $ 206,000 | $ 102,000 |
| Jeff Davis, Texas | 1 | $ 116,000 | $ 116,000 | $ 25,000 |
| King, Texas | 1 | $ 336,000 | $ 336,000 | $ 131,000 |
| Limestone, Texas | 1 | $ 205,000 | $ 205,000 | $ 450,000 |
| Lynn, Texas | 1 | $ 261,000 | $ 261,000 | $ 160,000 |
| Martin, Texas | 1 | $ 160,000 | $ 160,000 | $ 107,000 |
| Motley, Texas | 1 | $ 32,000 | $ 32,000 | $ 18,000 |
| Nueces, Texas | 1 | $ 210,000 | $ 210,000 | $ 241,000 |
| Reagan, Texas | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Real, Texas | 1 | $ 80,000 | $ 80,000 | $ 184,000 |
| Roberts, Texas | 1 | $ 218,000 | $ 218,000 | $ 112,000 |
| Schleicher, Texas | 1 | $ 288,000 | $ 288,000 | $ 232,000 |
| Scurry, Texas | 1 | $ 520,000 | $ 520,000 | $ 1,982,000 |
| Sherman, Texas | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Stonewall, Texas | 1 | $ 144,000 | $ 144,000 | $ 315,000 |
| Sutton, Texas | 1 | $ 1,375,000 | $ 1,375,000 | $ 77,000 |
| Throckmorton, Texas | 1 | $ 40,000 | $ 40,000 | $ 246,000 |
| Val Verde, Texas | 1 | $ 297,000 | $ 297,000 | $ 95,000 |
| Wheeler, Texas | 1 | $ 200,000 | $ 200,000 | $ 347,000 |
| Wichita, Texas | 1 | $ 230,000 | $ 230,000 | $ 109,000 |
| Young, Texas | 1 | $ 266,000 | $ 266,000 | $ 413,000 |
| Zapata, Texas | 1 | $ 56,000 | $ 56,000 | $ 62,000 |
| Zavala, Texas | 1 | $ 1,300,000 | $ 1,300,000 | $ 724,000 |
Mortgage Loan Application Detail Totals for Capital Farm Credit, Aca in 2016
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 | 483 | $114,217,000 | $236,000 | $1,375,000 | $142,000 | $2,129,000 |
| Refinancing | 292 | $123,148,000 | $421,000 | $5,254,000 | $241,000 | $5,340,000 |
| Home Improvement | 15 | $2,548,000 | $169,000 | $728,000 | $173,000 | $316,000 |
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 | 458 | $148,106,000 | $323,000 | $4,500,000 | $184,000 | $3,956,000 |
| Not Provided | 244 | $67,215,000 | $275,000 | $5,254,000 | $191,000 | $5,340,000 |
| Hispanic | 64 | $12,629,000 | $197,000 | $1,227,000 | $130,000 | $836,000 |
| Not applicable | 11 | $9,125,000 | $829,000 | $4,900,000 | $113,000 | $576,000 |
| American Indian or Alaskan Native | 5 | $822,000 | $164,000 | $190,000 | $115,000 | $157,000 |
| Asian | 4 | $1,146,000 | $286,000 | $418,000 | $99,000 | $138,000 |
| Black or African American | 4 | $870,000 | $217,000 | $250,000 | $91,000 | $121,000 |
| Native Hawaiin 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) | 790 | $239,913,000 | $303,000 | $5,254,000 | $179,000 | $5,340,000 |
| 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 | 436 | $142,733,000 | $327,000 | $5,254,000 | $224,000 | $5,340,000 |
| Application Withdrawn By Applicant | 167 | $47,094,000 | $282,000 | $1,500,000 | $151,000 | $1,203,000 |
| Application Denied By Financial Institution | 148 | $39,349,000 | $265,000 | $2,000,000 | $94,000 | $497,000 |
| Preapproval Approved but not Accepted | 24 | $7,506,000 | $312,000 | $750,000 | $132,000 | $403,000 |
| Preapproval Denied by Financial Institution | 8 | $1,579,000 | $197,000 | $300,000 | $77,000 | $180,000 |
| Application Approved But Not Accepted | 5 | $1,123,000 | $224,000 | $450,000 | $161,000 | $443,000 |
| File Closed For Incompleteness | 2 | $529,000 | $264,000 | $400,000 | $128,000 | $181,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 93 | $24,906,000 | $267,000 | $1,380,000 | $87,000 | $497,000 |
| Credit History | 41 | $8,652,000 | $211,000 | $500,000 | $92,000 | $218,000 |
| Collateral | 12 | $1,891,000 | $157,000 | $300,000 | $126,000 | $300,000 |
| Other | 6 | $4,590,000 | $765,000 | $2,000,000 | $119,000 | $245,000 |
| Employment History | 2 | $725,000 | $362,000 | $425,000 | $140,000 | $265,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $104,000 | $104,000 | $104,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital Farm Credit, Aca's 2016 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 Capital Farm Credit, Aca'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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