Community Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Community Bank & Trust of Waco, TX reported 187 mortgage applications totaling $20.1 million, down 5% from 2010. The average application was for $107,470, and applicants reported an average income of $115,641. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Waco, TX (175), Austin-Round Rock-San Marcos, TX (2) and Fort Worth-Arlington, 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 | 187 |
| Total Mortgage Loan Application Amount | $20,097,000 |
| Average Mortgage Loan Application Amount | $107,470 |
| Highest Mortgage Loan Application Amount | $788,000 |
| Average Applicant Income | $115,641 |
| Highest Applicant Income | $1,714,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 94 | $11,971,000 | $127,000 | $788,000 | $129,000 | $1,714,000 |
| Refinancing | 55 | $6,771,000 | $123,000 | $590,000 | $105,000 | $435,000 |
| Home Improvement | 38 | $1,355,000 | $35,000 | $140,000 | $98,000 | $439,000 |
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 | 133 | $14,677,000 | $110,000 | $788,000 | $141,000 | $1,714,000 |
| Hispanic | 30 | $2,003,000 | $66,000 | $249,000 | $75,000 | $194,000 |
| Not applicable | 12 | $2,632,000 | $219,000 | $590,000 | $0 | $0 |
| Black or African American | 8 | $290,000 | $36,000 | $82,000 | $33,000 | $66,000 |
| Asian | 4 | $495,000 | $123,000 | $195,000 | $84,000 | $132,000 |
| 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) | 187 | $20,097,000 | $107,000 | $788,000 | $116,000 | $1,714,000 |
| 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 | 155 | $17,797,000 | $114,000 | $788,000 | $123,000 | $1,714,000 |
| Application Approved But Not Accepted | 17 | $1,359,000 | $79,000 | $164,000 | $105,000 | $617,000 |
| Application Denied By Financial Institution | 14 | $891,000 | $63,000 | $135,000 | $51,000 | $102,000 |
| Application Withdrawn By Applicant | 1 | $50,000 | $50,000 | $50,000 | $77,000 | $77,000 |
| 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 | 7 | $508,000 | $72,000 | $135,000 | $54,000 | $88,000 |
| Debt-To-Income Ratio | 2 | $92,000 | $46,000 | $64,000 | $35,000 | $46,000 |
| Employment History | 2 | $103,000 | $51,000 | $55,000 | $53,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| Collateral | 1 | $30,000 | $30,000 | $30,000 | $102,000 | $102,000 |
| Other | 1 | $53,000 | $53,000 | $53,000 | $33,000 | $33,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2011 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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