Encore Bank, NA Mortgage Lending & HMDA Data, 2007
In 2007, Encore Bank, NA of Houston, TX reported 9,262 mortgage applications totaling $496.6 million. The average application was for $53,620, and applicants reported an average income of $130,293. 57% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (2,901), Dallas-Plano-Irving, TX (1,893) and Austin-Round Rock, TX (1,463) (applications in parentheses).
| Mortgage Company & Address | Encore Bank, NA Nine Greenway Plaza, Suite 1000 Houston, TX 77046 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 9,262 |
| Total Mortgage Loan Application Amount | $496,633,000 |
| Average Mortgage Loan Application Amount | $53,620 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $130,293 |
| Highest Applicant Income | $2,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Encore Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Encore Bank, NA in 2007
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 | 8,105 | $423,006,000 | $52,000 | $1,680,000 | $129,000 | $2,067,000 |
| Refinancing | 895 | $56,244,000 | $62,000 | $1,760,000 | $138,000 | $2,600,000 |
| Home Improvement | 262 | $17,383,000 | $66,000 | $500,000 | $144,000 | $524,000 |
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 | 6,596 | $364,775,000 | $55,000 | $1,760,000 | $136,000 | $2,600,000 |
| Not Provided | 862 | $43,685,000 | $50,000 | $692,000 | $129,000 | $1,023,000 |
| Hispanic | 842 | $35,587,000 | $42,000 | $630,000 | $100,000 | $689,000 |
| Asian | 447 | $21,819,000 | $48,000 | $615,000 | $127,000 | $1,577,000 |
| Black or African American | 370 | $17,874,000 | $48,000 | $620,000 | $125,000 | $1,222,000 |
| Not applicable | 93 | $10,678,000 | $114,000 | $1,700,000 | $84,000 | $298,000 |
| American Indian or Alaskan Native | 30 | $1,225,000 | $40,000 | $128,000 | $107,000 | $375,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $990,000 | $45,000 | $143,000 | $118,000 | $379,000 |
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) | 9,262 | $496,633,000 | $53,000 | $1,760,000 | $130,000 | $2,600,000 |
| 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 | 5,277 | $305,478,000 | $57,000 | $1,760,000 | $133,000 | $1,596,000 |
| Application Denied By Financial Institution | 2,459 | $113,216,000 | $46,000 | $1,500,000 | $122,000 | $2,067,000 |
| Application Approved But Not Accepted | 1,359 | $69,881,000 | $51,000 | $1,750,000 | $137,000 | $2,600,000 |
| Loan Purchased By The Institution | 84 | $4,424,000 | $52,000 | $150,000 | $93,000 | $298,000 |
| Preapproval Denied by Financial Institution | 62 | $2,615,000 | $42,000 | $120,000 | $109,000 | $300,000 |
| Application Withdrawn By Applicant | 21 | $1,019,000 | $48,000 | $208,000 | $135,000 | $311,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,147 | $49,508,000 | $43,000 | $258,000 | $121,000 | $2,067,000 |
| Other | 501 | $26,640,000 | $53,000 | $1,500,000 | $139,000 | $1,222,000 |
| Debt-To-Income Ratio | 356 | $15,030,000 | $42,000 | $287,000 | $83,000 | $900,000 |
| Unverifiable Information | 166 | $7,249,000 | $43,000 | $285,000 | $157,000 | $1,885,000 |
| Employment History | 154 | $6,430,000 | $41,000 | $168,000 | $106,000 | $360,000 |
| Collateral | 121 | $6,514,000 | $53,000 | $230,000 | $137,000 | $911,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 50 | $2,538,000 | $50,000 | $177,000 | $102,000 | $312,000 |
| Credit Application Incomplete | 26 | $1,922,000 | $73,000 | $313,000 | $195,000 | $700,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Encore Bank, NA's 2007 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 Encore Bank, NA'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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