Century Bank, N.A. Mortgage Lending & HMDA Data, 2006
In 2006, Century Bank, N.A. of New Boston, TX reported 1,316 mortgage applications totaling $167.9 million, up 20% from 2005. The average application was for $127,612, and applicants reported an average income of $92,292. 90% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Texarkana, Tx-Texarkana, AR (530), Dallas-Plano-Irving, TX (403) and Fort Worth-Arlington, TX (84) (applications in parentheses).
| 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 | 1,316 |
| Total Mortgage Loan Application Amount | $167,938,000 |
| Average Mortgage Loan Application Amount | $127,612 |
| Highest Mortgage Loan Application Amount | $7,300,000 |
| Average Applicant Income | $92,292 |
| Highest Applicant Income | $1,601,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Century Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Texarkana, Tx-Texarkana, AR | 530 | $ 41,475,000 | $ 78,254 | $ 78,403 |
| Dallas-Plano-Irving, TX | 403 | $ 83,004,000 | $ 205,965 | $ 107,000 |
| Fort Worth-Arlington, TX | 84 | $ 16,742,000 | $ 199,309 | $ 132,000 |
| Austin-Round Rock, TX | 29 | $ 4,307,000 | $ 148,517 | $ 144,000 |
| College Station-Bryan, TX | 4 | $ 344,000 | $ 86,000 | $ 74,000 |
| Columbia, MO | 4 | $ 378,000 | $ 94,500 | $ 116,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 706,000 | $ 176,500 | $ 55,000 |
| Sherman-Denison, TX | 4 | $ 269,000 | $ 67,250 | $ 104,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Orlando-Kissimmee, FL | 3 | $ 1,238,000 | $ 412,666 | $ 198,000 |
| Shreveport-Bossier City, LA | 3 | $ 298,000 | $ 99,333 | $ 82,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 731,000 | $ 365,500 | $ 108,000 |
| Evansville, IN-KY | 2 | $ 43,000 | $ 21,500 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 130,000 | $ 65,000 | $ 77,000 |
| Fort Collins-Loveland, CO | 2 | $ 435,000 | $ 217,500 | $ 235,000 |
| Hot Springs, AR | 2 | $ 145,000 | $ 72,500 | $ 70,000 |
| Oklahoma City, OK | 2 | $ 293,000 | $ 146,500 | $ 102,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 599,000 | $ 299,500 | $ 145,000 |
| Tulsa, OK | 2 | $ 142,000 | $ 71,000 | $ 93,000 |
| Elkhart-Goshen, IN | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Little Rock-North Little Rock, AR | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 355,000 | $ 355,000 | $ 104,000 |
| San Antonio, TX | 1 | $ 240,000 | $ 240,000 | $ 126,000 |
| Tyler, TX | 1 | $ 222,000 | $ 222,000 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 512,000 | $ 512,000 | $ 225,000 |
| Wichita Falls, TX | 1 | $ 36,000 | $ 36,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Century Bank, N.A. in 2006
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 | 942 | $135,225,000 | $143,000 | $7,300,000 | $97,000 | $1,601,000 |
| Home Improvement | 195 | $6,577,000 | $33,000 | $800,000 | $79,000 | $1,266,000 |
| Refinancing | 179 | $26,136,000 | $146,000 | $3,000,000 | $82,000 | $519,000 |
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 | 1,102 | $125,845,000 | $114,000 | $2,626,000 | $97,000 | $1,266,000 |
| Black or African American | 71 | $5,395,000 | $75,000 | $417,000 | $90,000 | $1,601,000 |
| Not applicable | 66 | $23,952,000 | $362,000 | $7,300,000 | $8,000 | $350,000 |
| Hispanic | 38 | $5,787,000 | $152,000 | $952,000 | $88,000 | $327,000 |
| Asian | 19 | $3,656,000 | $192,000 | $1,240,000 | $118,000 | $636,000 |
| Not Provided | 10 | $2,358,000 | $235,000 | $1,000,000 | $192,000 | $540,000 |
| American Indian or Alaskan Native | 5 | $574,000 | $114,000 | $204,000 | $88,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $371,000 | $74,000 | $102,000 | $81,000 | $107,000 |
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) | 1,266 | $162,276,000 | $128,000 | $7,300,000 | $94,000 | $1,601,000 |
| FHA-insured (Federal Housing Administration) | 38 | $3,658,000 | $96,000 | $163,000 | $55,000 | $519,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,004,000 | $167,000 | $366,000 | $67,000 | $114,000 |
| 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 | 1,178 | $161,669,000 | $137,000 | $7,300,000 | $98,000 | $1,601,000 |
| Application Denied By Financial Institution | 108 | $3,288,000 | $30,000 | $216,000 | $44,000 | $238,000 |
| Application Withdrawn By Applicant | 27 | $2,882,000 | $106,000 | $325,000 | $62,000 | $165,000 |
| File Closed For Incompleteness | 2 | $85,000 | $42,000 | $55,000 | $67,000 | $107,000 |
| Application Approved But Not Accepted | 1 | $14,000 | $14,000 | $14,000 | $44,000 | $44,000 |
| 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 | 86 | $2,584,000 | $30,000 | $216,000 | $41,000 | $138,000 |
| Debt-To-Income Ratio | 16 | $584,000 | $36,000 | $101,000 | $47,000 | $127,000 |
| Collateral | 5 | $90,000 | $18,000 | $50,000 | $71,000 | $238,000 |
| Other | 1 | $30,000 | $30,000 | $30,000 | $69,000 | $69,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Century Bank, N.A.'s 2006 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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