Century Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Century Bank, N.A. 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Century Bank, N.A. 201 Rice St New Boston, TX 75570 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,270 |
| Total Mortgage Loan Application Amount | $214,022,000 |
| Average Mortgage Loan Application Amount | $142,333 |
| Highest Mortgage Loan Application Amount | $9,180,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $6,891,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Century Bank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Century Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Century Bank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Century Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Century Bank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Century Bank, N.A.'s mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bowie County Texas | 295 | $ 25,370,000 | $ 86,000 | $ 83,000 |
| Dallas County Texas | 250 | $ 65,334,000 | $ 261,000 | $ 207,000 |
| Collin County Texas | 157 | $ 33,380,000 | $ 212,000 | $ 122,000 |
| Miller County Arkansas | 151 | $ 12,269,000 | $ 81,000 | $ 70,000 |
| Little River County Arkansas | 82 | $ 4,259,000 | $ 51,000 | $ 121,000 |
| Tarrant County Texas | 81 | $ 19,293,000 | $ 238,000 | $ 163,000 |
| Denton County Texas | 75 | $ 14,199,000 | $ 189,000 | $ 103,000 |
| Cass County Texas | 55 | $ 3,895,000 | $ 70,000 | $ 72,000 |
| Harris County Texas | 7 | $ 1,403,000 | $ 200,000 | $ 113,000 |
| Navarro County Texas | 7 | $ 944,000 | $ 134,000 | $ 69,000 |
| Henderson County Texas | 6 | $ 2,324,000 | $ 387,000 | $ 312,000 |
| Kaufman County Texas | 6 | $ 776,000 | $ 129,000 | $ 70,000 |
| Williamson County Texas | 6 | $ 9,852,000 | $ 1,642,000 | $ 61,000 |
| Sevier County Arkansas | 5 | $ 132,000 | $ 26,000 | $ 64,000 |
| Pulaski County Arkansas | 4 | $ 670,000 | $ 167,000 | $ 180,000 |
| Rockwall County Texas | 4 | $ 775,000 | $ 193,000 | $ 61,000 |
| Travis County Texas | 4 | $ 3,524,000 | $ 881,000 | $ 796,000 |
| Garland County Arkansas | 3 | $ 638,000 | $ 212,000 | $ 222,000 |
| Greenville County South Carolina | 3 | $ 800,000 | $ 266,000 | $ 132,000 |
| Ellis County Texas | 3 | $ 631,000 | $ 210,000 | $ 49,000 |
| Grayson County Texas | 3 | $ 175,000 | $ 58,000 | $ 48,000 |
| Lamar County Texas | 3 | $ 97,000 | $ 32,000 | $ 67,000 |
| Llano County Texas | 3 | $ 2,860,000 | $ 953,000 | $ 1,385,000 |
| Nevada County Arkansas | 2 | $ 99,000 | $ 49,000 | $ 73,000 |
| Bexar County Texas | 2 | $ 276,000 | $ 138,000 | $ 51,000 |
| Brazos County Texas | 2 | $ 232,000 | $ 116,000 | $ 455,000 |
| Fort Bend County Texas | 2 | $ 133,000 | $ 66,000 | $ 157,000 |
| Johnson County Texas | 2 | $ 428,000 | $ 214,000 | $ 227,000 |
| Red River County Texas | 2 | $ 123,000 | $ 61,000 | $ 96,000 |
| Wood County Texas | 2 | $ 343,000 | $ 171,000 | $ 89,000 |
| Benton County Arkansas | 1 | $ 139,000 | $ 139,000 | $ 306,000 |
| Clark County Arkansas | 1 | $ 260,000 | $ 260,000 | $ 200,000 |
| Columbia County Arkansas | 1 | $ 14,000 | $ 14,000 | $ 19,000 |
| Craighead County Arkansas | 1 | $ 210,000 | $ 210,000 | $ 111,000 |
| Faulkner County Arkansas | 1 | $ 111,000 | $ 111,000 | $ 87,000 |
| Hempstead County Arkansas | 1 | $ 1,000 | $ 1,000 | $ 15,000 |
| Ouachita County Arkansas | 1 | $ 38,000 | $ 38,000 | $ 56,000 |
| Pike County Arkansas | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Union County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Washington County Arkansas | 1 | $ 121,000 | $ 121,000 | $ 33,000 |
| Los Angeles County California | 1 | $ 684,000 | $ 684,000 | $ 196,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Denver County Colorado | 1 | $ 380,000 | $ 380,000 | $ 77,000 |
| District of Columbia County District Of Columbia | 1 | $ 485,000 | $ 485,000 | $ 50,000 |
| Okaloosa County Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 455,000 |
| Kauai County Hawaii | 1 | $ 626,000 | $ 626,000 | $ 701,000 |
| Cook County Illinois | 1 | $ 350,000 | $ 350,000 | $ 301,000 |
| Caddo County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Oakland County Michigan | 1 | $ 268,000 | $ 268,000 | $ 70,000 |
| Hinds County Mississippi | 1 | $ 220,000 | $ 220,000 | $ 136,000 |
| Logan County Oklahoma | 1 | $ 161,000 | $ 161,000 | $ 95,000 |
| Muskogee County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 74,000 |
| Rogers County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Washington County Pennsylvania | 1 | $ 393,000 | $ 393,000 | $ 150,000 |
| Sumner County Tennessee | 1 | $ 248,000 | $ 248,000 | $ 78,000 |
| Blanco County Texas | 1 | $ 308,000 | $ 308,000 | $ 142,000 |
| Comal County Texas | 1 | $ 232,000 | $ 232,000 | $ 90,000 |
| Cooke County Texas | 1 | $ 53,000 | $ 53,000 | $ 72,000 |
| Fannin County Texas | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Grimes County Texas | 1 | $ 350,000 | $ 350,000 | $ 130,000 |
| Harrison County Texas | 1 | $ 26,000 | $ 26,000 | $ 30,000 |
| Hill County Texas | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Hood County Texas | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Hunt County Texas | 1 | $ 42,000 | $ 42,000 | $ 119,000 |
| Kerr County Texas | 1 | $ 128,000 | $ 128,000 | $ 128,000 |
| Lampasas County Texas | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Lubbock County Texas | 1 | $ 261,000 | $ 261,000 | $ 121,000 |
| Marion County Texas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Panola County Texas | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Parker County Texas | 1 | $ 400,000 | $ 400,000 | $ 252,000 |
| Smith County Texas | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Van Zandt County Texas | 1 | $ 236,000 | $ 236,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Century Bank, N.A. in 2008
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 | 806 | $148,681,000 | $184,000 | $9,180,000 | $135,000 | $6,891,000 |
| Refinancing | 294 | $56,365,000 | $191,000 | $2,200,000 | $115,000 | $651,000 |
| Home Improvement | 170 | $8,976,000 | $52,000 | $2,864,000 | $119,000 | $3,000,000 |
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 | 1,103 | $172,687,000 | $156,000 | $2,864,000 | $131,000 | $3,993,000 |
| Black or African American | 52 | $4,466,000 | $85,000 | $417,000 | $63,000 | $179,000 |
| Hispanic | 47 | $6,402,000 | $136,000 | $709,000 | $228,000 | $6,891,000 |
| Not applicable | 43 | $23,608,000 | $549,000 | $9,180,000 | $4,000 | $104,000 |
| Asian | 20 | $6,239,000 | $311,000 | $2,160,000 | $138,000 | $525,000 |
| Not Provided | 3 | $63,000 | $21,000 | $35,000 | $107,000 | $184,000 |
| American Indian or Alaskan Native | 1 | $212,000 | $212,000 | $212,000 | $126,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $345,000 | $345,000 | $345,000 | $108,000 | $108,000 |
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) | 1,118 | $190,755,000 | $170,000 | $9,180,000 | $136,000 | $6,891,000 |
| FHA-insured (Federal Housing Administration) | 136 | $20,258,000 | $148,000 | $272,000 | $67,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,009,000 | $188,000 | $417,000 | $90,000 | $213,000 |
| 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 | 1,111 | $197,102,000 | $177,000 | $9,180,000 | $135,000 | $6,891,000 |
| Application Denied By Financial Institution | 102 | $7,300,000 | $71,000 | $1,793,000 | $58,000 | $526,000 |
| Application Withdrawn By Applicant | 50 | $7,739,000 | $154,000 | $786,000 | $105,000 | $485,000 |
| Application Approved But Not Accepted | 7 | $1,881,000 | $268,000 | $800,000 | $147,000 | $324,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 70 | $2,828,000 | $40,000 | $266,000 | $46,000 | $156,000 |
| Debt-To-Income Ratio | 17 | $3,252,000 | $191,000 | $1,793,000 | $83,000 | $526,000 |
| Collateral | 7 | $266,000 | $38,000 | $75,000 | $102,000 | $266,000 |
| Other | 6 | $941,000 | $156,000 | $265,000 | $78,000 | $136,000 |
| Employment History | 2 | $13,000 | $6,000 | $10,000 | $38,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Century Bank, N.A.'s 2008 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 Century Bank, 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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