Community Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Community Bank & Trust of Waco, TX reported 300 mortgage applications totaling $31.7 million, up 8% from 2007. The average application was for $105,813, and applicants reported an average income of $87,370. 89% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Waco, TX (276), Dallas-Plano-Irving, TX (4) and College Station-Bryan, TX (3) (applications in parentheses).
| Mortgage Company & Address | Community Bank & Trust 1800 Washington Ave Waco, TX 76701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 300 |
| Total Mortgage Loan Application Amount | $31,744,000 |
| Average Mortgage Loan Application Amount | $105,813 |
| Highest Mortgage Loan Application Amount | $1,420,000 |
| Average Applicant Income | $87,370 |
| Highest Applicant Income | $498,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| McLennan, Texas | 276 | $ 27,548,000 | $ 99,811 | $ 87,000 |
| Bosque, Texas | 4 | $ 926,000 | $ 231,500 | $ 110,000 |
| Dallas, Texas | 3 | $ 693,000 | $ 231,000 | $ 68,000 |
| Brazos, Texas | 2 | $ 230,000 | $ 115,000 | $ 58,000 |
| Comal, Texas | 2 | $ 128,000 | $ 64,000 | $ 62,000 |
| Hennepin, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Davidson, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Denton, Texas | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Falls, Texas | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Fannin, Texas | 1 | $ 83,000 | $ 83,000 | $ 135,000 |
| Harris, Texas | 1 | $ 516,000 | $ 516,000 | $ 172,000 |
| Hidalgo, Texas | 1 | $ 93,000 | $ 93,000 | $ 64,000 |
| Robertson, Texas | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Smith, Texas | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Tarrant, Texas | 1 | $ 127,000 | $ 127,000 | $ 45,000 |
| Titus, Texas | 1 | $ 525,000 | $ 525,000 | $ 168,000 |
| Travis, Texas | 1 | $ 275,000 | $ 275,000 | $ 214,000 |
| Williamson, Texas | 1 | $ 60,000 | $ 60,000 | $ 224,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust 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 | 131 | $17,919,000 | $136,000 | $1,302,000 | $89,000 | $492,000 |
| Refinancing | 111 | $10,893,000 | $98,000 | $1,420,000 | $94,000 | $498,000 |
| Home Improvement | 58 | $2,932,000 | $50,000 | $414,000 | $71,000 | $224,000 |
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 | 213 | $26,238,000 | $123,000 | $1,420,000 | $105,000 | $498,000 |
| Hispanic | 55 | $2,445,000 | $44,000 | $265,000 | $49,000 | $231,000 |
| Black or African American | 16 | $1,003,000 | $62,000 | $188,000 | $56,000 | $171,000 |
| Not applicable | 12 | $1,576,000 | $131,000 | $414,000 | $0 | $0 |
| Asian | 4 | $482,000 | $120,000 | $250,000 | $29,000 | $46,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 300 | $31,744,000 | $105,000 | $1,420,000 | $87,000 | $498,000 |
| 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 | 268 | $29,235,000 | $109,000 | $1,420,000 | $90,000 | $498,000 |
| Application Denied By Financial Institution | 21 | $1,299,000 | $61,000 | $406,000 | $61,000 | $376,000 |
| Application Withdrawn By Applicant | 10 | $1,094,000 | $109,000 | $326,000 | $64,000 | $149,000 |
| Application Approved But Not Accepted | 1 | $116,000 | $116,000 | $116,000 | $31,000 | $31,000 |
| 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 | 14 | $537,000 | $38,000 | $83,000 | $44,000 | $146,000 |
| Debt-To-Income Ratio | 2 | $191,000 | $95,000 | $125,000 | $78,000 | $117,000 |
| Collateral | 2 | $446,000 | $223,000 | $406,000 | $211,000 | $376,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $29,000 | $29,000 |
| 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 Community Bank & Trust'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 Community Bank & Trust'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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