Community National Bank & Trust of Texas Mortgage Lending & HMDA Data, 2012
In 2012, Community National Bank & Trust of Texas of Corsicana, TX reported 204 mortgage applications totaling $18.7 million, up 9% from 2011. The average application was for $91,656, and applicants reported an average income of $95,681. 55% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Dallas-Plano-Irving, TX (31), College Station-Bryan, TX (2) and Houston-Sugar Land-Baytown, TX (2) (applications in parentheses).
| Mortgage Company & Address | Community National Bank & Trust of Texas Po Box 624 Corsicana, TX 75151 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 |
| Total Number of Mortgage Applications | 204 |
| Total Mortgage Loan Application Amount | $18,698,000 |
| Average Mortgage Loan Application Amount | $91,656 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $95,681 |
| Highest Applicant Income | $768,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community National Bank & Trust of Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 National Bank & Trust of Texas in 2012
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 | 121 | $11,444,000 | $94,000 | $765,000 | $103,000 | $768,000 |
| Refinancing | 51 | $5,043,000 | $98,000 | $286,000 | $80,000 | $295,000 |
| Home Improvement | 32 | $2,211,000 | $69,000 | $197,000 | $93,000 | $236,000 |
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 | 147 | $15,054,000 | $102,000 | $765,000 | $113,000 | $768,000 |
| Hispanic | 31 | $1,765,000 | $56,000 | $266,000 | $50,000 | $113,000 |
| Black or African American | 13 | $966,000 | $74,000 | $288,000 | $53,000 | $111,000 |
| Not Provided | 6 | $275,000 | $45,000 | $88,000 | $84,000 | $194,000 |
| Not applicable | 5 | $544,000 | $108,000 | $164,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $34,000 | $34,000 | $34,000 | $123,000 | $123,000 |
| Asian | 1 | $60,000 | $60,000 | $60,000 | $25,000 | $25,000 |
| 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) | 204 | $18,698,000 | $91,000 | $765,000 | $96,000 | $768,000 |
| 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 | 112 | $10,799,000 | $96,000 | $765,000 | $115,000 | $768,000 |
| Application Denied By Financial Institution | 53 | $4,202,000 | $79,000 | $280,000 | $54,000 | $268,000 |
| Application Approved But Not Accepted | 34 | $3,360,000 | $98,000 | $286,000 | $100,000 | $395,000 |
| Application Withdrawn By Applicant | 5 | $337,000 | $67,000 | $110,000 | $81,000 | $149,000 |
| 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 | 23 | $1,486,000 | $64,000 | $175,000 | $42,000 | $96,000 |
| Debt-To-Income Ratio | 18 | $1,637,000 | $90,000 | $260,000 | $53,000 | $135,000 |
| Collateral | 6 | $609,000 | $101,000 | $280,000 | $108,000 | $268,000 |
| Other | 5 | $415,000 | $83,000 | $113,000 | $49,000 | $72,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 National Bank & Trust of Texas's 2012 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 National Bank & Trust of Texas'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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