Community National Bank & Trust of Texas Mortgage Lending & HMDA Data, 2016
In 2016, Community National Bank & Trust of Texas of Corsicana, TX reported 317 mortgage applications totaling $49.1 million, up 26% from 2015. The average application was for $154,943, and applicants reported an average income of $121,785. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Worth-Arlington, TX (82), Dallas-Plano-Irving, TX (31) and College Station-Bryan, TX (3) (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 | 317 |
| Total Mortgage Loan Application Amount | $49,117,000 |
| Average Mortgage Loan Application Amount | $154,943 |
| Highest Mortgage Loan Application Amount | $2,606,000 |
| Average Applicant Income | $121,785 |
| Highest Applicant Income | $2,680,000 |
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National Bank & Trust of Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 199 | $32,129,000 | $161,000 | $2,606,000 | $123,000 | $1,343,000 |
| Refinancing | 65 | $11,216,000 | $172,000 | $565,000 | $113,000 | $517,000 |
| Home Improvement | 53 | $5,772,000 | $108,000 | $733,000 | $128,000 | $2,680,000 |
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 | 207 | $31,896,000 | $154,000 | $733,000 | $135,000 | $2,680,000 |
| Not Provided | 40 | $6,779,000 | $169,000 | $417,000 | $113,000 | $294,000 |
| Hispanic | 36 | $3,122,000 | $86,000 | $302,000 | $93,000 | $438,000 |
| Not applicable | 18 | $5,862,000 | $325,000 | $2,606,000 | $3,000 | $68,000 |
| Black or African American | 8 | $1,023,000 | $127,000 | $588,000 | $91,000 | $230,000 |
| Asian | 6 | $250,000 | $41,000 | $110,000 | $316,000 | $395,000 |
| American Indian or Alaskan Native | 2 | $185,000 | $92,000 | $136,000 | $54,000 | $59,000 |
| Native Hawaiin 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) | 300 | $45,927,000 | $153,000 | $2,606,000 | $124,000 | $2,680,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,872,000 | $267,000 | $588,000 | $125,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $698,000 | $116,000 | $200,000 | $59,000 | $141,000 |
| FHA-insured (Federal Housing Administration) | 4 | $620,000 | $155,000 | $240,000 | $75,000 | $122,000 |
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 | 264 | $42,700,000 | $161,000 | $2,606,000 | $126,000 | $2,680,000 |
| Application Denied By Financial Institution | 24 | $2,242,000 | $93,000 | $336,000 | $62,000 | $134,000 |
| Application Approved But Not Accepted | 17 | $2,850,000 | $167,000 | $404,000 | $165,000 | $520,000 |
| Application Withdrawn By Applicant | 11 | $1,213,000 | $110,000 | $185,000 | $99,000 | $187,000 |
| File Closed For Incompleteness | 1 | $112,000 | $112,000 | $112,000 | $68,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,230,000 | $123,000 | $336,000 | $64,000 | $102,000 |
| Credit History | 5 | $276,000 | $55,000 | $150,000 | $77,000 | $134,000 |
| Collateral | 4 | $488,000 | $122,000 | $240,000 | $43,000 | $88,000 |
| Other | 2 | $138,000 | $69,000 | $76,000 | $83,000 | $94,000 |
| Unverifiable Information | 2 | $90,000 | $45,000 | $50,000 | $53,000 | $56,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2016 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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