Community Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Community Bank & Trust of Waco, TX reported 388 mortgage applications totaling $28.0 million. The average application was for $72,164, and applicants reported an average income of $69,402. 89% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Waco, TX (353), Austin-San Marcos, TX (2) and Dallas, TX (2) (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 | 388 |
| Total Mortgage Loan Application Amount | $28,000,000 |
| Average Mortgage Loan Application Amount | $72,164 |
| Highest Mortgage Loan Application Amount | $1,010,000 |
| Average Applicant Income | $69,402 |
| Highest Applicant Income | $867,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2003
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 (one-to-four family) | 162 | $14,087,000 | $86,000 | $1,010,000 | $60,500 | $867,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 128 | $10,992,000 | $114,000 | $450,000 | $89,000 | $382,000 |
| Home Improvement (one-to-four family) | 98 | $2,921,000 | $28,000 | $148,000 | $48,500 | $867,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 294 | $24,820,000 | $87,000 | $1,010,000 | $78,500 | $867,000 |
| Hispanic | 71 | $2,072,000 | $30,000 | $155,000 | $33,500 | $140,000 |
| Black | 19 | $621,000 | $24,000 | $107,000 | $47,000 | $128,000 |
| American Indian or Alaskan Native | 2 | $97,000 | $48,000 | $57,000 | $109,000 | $180,000 |
| Asian or Pacific Islander | 1 | $90,000 | $90,000 | $90,000 | $36,000 | $36,000 |
| Not applicable | 1 | $300,000 | $300,000 | $300,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 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) | 388 | $28,000,000 | $76,000 | $1,010,000 | $57,500 | $867,000 |
| 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 | 345 | $25,653,000 | $93,500 | $1,010,000 | $79,000 | $867,000 |
| Application Denied By Financial Institution | 30 | $1,327,000 | $42,500 | $180,000 | $41,000 | $127,000 |
| Application Approved But Not Accepted | 8 | $660,000 | $82,000 | $218,000 | $78,000 | $189,000 |
| File Closed For Incompleteness | 3 | $73,000 | $24,000 | $30,000 | $42,000 | $50,000 |
| Application Withdrawn By Applicant | 2 | $287,000 | $143,000 | $180,000 | $133,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $732,000 | $37,000 | $117,000 | $35,500 | $127,000 |
| Debt-To-Income Ratio | 6 | $336,000 | $48,500 | $125,000 | $50,000 | $79,000 |
| Other | 2 | $220,000 | $110,000 | $180,000 | $65,000 | $105,000 |
| Employment History | 1 | $9,000 | $9,000 | $9,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 & Trust's 2003 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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