Community Bank and Trust, SSB Mortgage Lending & HMDA Data, 2004
In 2004, Community Bank and Trust, SSB of Beaumont, TX reported 919 mortgage applications totaling $63.2 million. The average application was for $68,812, and applicants reported an average income of $94,491. 65% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Beaumont-Port Arthur, TX (645), Tyler, TX (31) and Houston-Baytown-Sugar Land, TX (29) (applications in parentheses).
| Mortgage Company & Address | Community Bank and Trust, SSB 700 Calder Beaumont, TX 77701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 919 |
| Total Mortgage Loan Application Amount | $63,239,000 |
| Average Mortgage Loan Application Amount | $68,812 |
| Highest Mortgage Loan Application Amount | $2,880,000 |
| Average Applicant Income | $94,491 |
| Highest Applicant Income | $2,489,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank and Trust, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jefferson, Texas | 361 | $ 33,426,000 | $ 92,592 | $ 83,000 |
| Hardin, Texas | 170 | $ 7,180,000 | $ 42,235 | $ 73,000 |
| Orange, Texas | 114 | $ 4,451,000 | $ 39,043 | $ 53,000 |
| Tyler, Texas | 77 | $ 998,000 | $ 12,961 | $ 30,000 |
| Jasper, Texas | 65 | $ 2,001,000 | $ 30,784 | $ 59,000 |
| Smith, Texas | 31 | $ 4,427,000 | $ 142,806 | $ 421,000 |
| San Augustine, Texas | 22 | $ 268,000 | $ 12,181 | $ 44,000 |
| Galveston, Texas | 11 | $ 1,386,000 | $ 126,000 | $ 269,000 |
| Newton, Texas | 11 | $ 84,000 | $ 7,636 | $ 38,000 |
| Harris, Texas | 9 | $ 838,000 | $ 93,111 | $ 82,000 |
| Sabine, Texas | 7 | $ 74,000 | $ 10,571 | $ 44,000 |
| Fort Bend, Texas | 5 | $ 955,000 | $ 191,000 | $ 130,000 |
| Calcasieu, Louisiana | 3 | $ 36,000 | $ 12,000 | $ 133,000 |
| Chambers, Texas | 3 | $ 300,000 | $ 100,000 | $ 49,000 |
| Caddo, Louisiana | 2 | $ 298,000 | $ 149,000 | $ 117,000 |
| Anderson, Texas | 2 | $ 170,000 | $ 85,000 | $ 109,000 |
| Angelina, Texas | 2 | $ 68,000 | $ 34,000 | $ 43,000 |
| Bexar, Texas | 2 | $ 2,989,000 | $ 1,494,500 | $ 32,000 |
| Brazos, Texas | 2 | $ 265,000 | $ 132,500 | $ 183,000 |
| Harrison, Texas | 2 | $ 338,000 | $ 169,000 | $ 78,000 |
| Henderson, Texas | 2 | $ 43,000 | $ 21,500 | $ 38,000 |
| Polk, Texas | 2 | $ 18,000 | $ 9,000 | $ 52,000 |
| Shelby, Texas | 2 | $ 5,000 | $ 2,500 | $ 38,000 |
| Travis, Texas | 2 | $ 1,020,000 | $ 510,000 | $ 757,000 |
| Gunnison, Colorado | 1 | $ 460,000 | $ 460,000 | $ 298,000 |
| Jefferson, Colorado | 1 | $ 310,000 | $ 310,000 | $ 102,000 |
| Brazoria, Texas | 1 | $ 31,000 | $ 31,000 | $ 109,000 |
| Caldwell, Texas | 1 | $ 2,000 | $ 2,000 | $ 34,000 |
| Gregg, Texas | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Hunt, Texas | 1 | $ 47,000 | $ 47,000 | $ 807,000 |
| Nueces, Texas | 1 | $ 148,000 | $ 148,000 | $ 396,000 |
| Robertson, Texas | 1 | $ 389,000 | $ 389,000 | $ 333,000 |
| Tarrant, Texas | 1 | $ 9,000 | $ 9,000 | $ 37,000 |
| Van Zandt, Texas | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Community Bank and Trust, SSB in 2004
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 Improvement | 437 | $7,359,000 | $9,500 | $466,000 | $43,500 | $791,000 |
| Home Purchase | 278 | $35,867,000 | $207,000 | $2,880,000 | $192,333 | $2,489,000 |
| Refinancing | 204 | $20,013,000 | $98,000 | $905,000 | $101,000 | $807,000 |
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 | 695 | $47,217,000 | $172,666 | $900,000 | $147,333 | $2,489,000 |
| Black or African American | 93 | $3,077,000 | $33,000 | $389,000 | $62,000 | $1,147,000 |
| Not Provided | 42 | $4,264,000 | $101,000 | $370,000 | $137,000 | $1,800,000 |
| Hispanic | 34 | $1,303,000 | $38,000 | $244,000 | $49,000 | $243,000 |
| Not applicable | 31 | $4,817,000 | $155,000 | $2,880,000 | $33,000 | $80,000 |
| Asian | 20 | $2,310,000 | $115,000 | $905,000 | $105,000 | $500,000 |
| American Indian or Alaskan Native | 4 | $251,000 | $62,000 | $176,000 | $64,000 | $122,000 |
| 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) | 919 | $63,239,000 | $173,000 | $2,880,000 | $142,666 | $2,489,000 |
| 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 | 599 | $51,530,000 | $209,000 | $2,880,000 | $193,666 | $2,489,000 |
| Application Denied By Financial Institution | 266 | $5,799,000 | $13,000 | $200,000 | $45,000 | $490,000 |
| Application Approved But Not Accepted | 30 | $3,454,000 | $209,000 | $470,000 | $161,000 | $1,800,000 |
| Application Withdrawn By Applicant | 22 | $2,322,000 | $105,000 | $284,000 | $72,000 | $156,000 |
| File Closed For Incompleteness | 2 | $134,000 | $67,000 | $80,000 | $54,000 | $68,000 |
| 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 | 210 | $4,091,000 | $19,000 | $200,000 | $52,000 | $490,000 |
| Debt-To-Income Ratio | 35 | $1,348,000 | $22,000 | $152,000 | $46,500 | $223,000 |
| Collateral | 9 | $124,000 | $13,000 | $60,000 | $28,000 | $74,000 |
| Other | 8 | $229,000 | $28,000 | $173,000 | $43,000 | $80,000 |
| Employment History | 3 | $6,000 | $2,000 | $3,000 | $53,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,000 | $1,000 | $1,000 | $13,000 | $13,000 |
| 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 Community Bank and Trust, SSB's 2004 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 Community Bank and Trust, SSB'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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