Falls City National Bank Mortgage Lending & HMDA Data, 2023
In 2023, Falls City National Bank of Falls City, TX reported 84 mortgage applications totaling $18.7 million. The average application was for $222,976, and applicants reported an average income of $167,821. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were San Antonio-New Braunfels, TX (42), Corpus Christi, TX (3) and Dallas-Plano-Irving, TX (1) (applications in parentheses).
| Mortgage Company & Address | Falls City National Bank Po Box 339 Falls City, TX 78113 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $18,730,000 |
| Average Mortgage Loan Application Amount | $222,976 |
| Highest Mortgage Loan Application Amount | $1,545,000 |
| Average Applicant Income | $167,821 |
| Highest Applicant Income | $906,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Falls City National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 42 | $ 9,440,000 | $ 224,761 | $ 161,000 |
| Outside any metro area | 37 | $ 7,555,000 | $ 204,189 | $ 132,000 |
| Corpus Christi, TX | 3 | $ 1,005,000 | $ 335,000 | $ 600,000 |
| Dallas-Plano-Irving, TX | 1 | $ 505,000 | $ 505,000 | $ 334,000 |
| Victoria, TX | 1 | $ 225,000 | $ 225,000 | $ 239,000 |
Mortgage Loan Application Detail Totals for Falls City National Bank in 2023
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 | 44 | $11,950,000 | $271,000 | $1,545,000 | $206,000 | $906,000 |
| Cash-out Refinancing | 19 | $3,685,000 | $193,000 | $875,000 | $130,000 | $322,000 |
| Other Purpose | 10 | $1,100,000 | $110,000 | $405,000 | $122,000 | $518,000 |
| Refinancing | 7 | $1,235,000 | $176,000 | $505,000 | $125,000 | $334,000 |
| Home Improvement | 4 | $760,000 | $190,000 | $305,000 | $117,000 | $211,000 |
| Not Applicable | 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 | 44 | $9,570,000 | $217,000 | $1,475,000 | $162,000 | $906,000 |
| Not Provided | 15 | $4,425,000 | $295,000 | $1,545,000 | $262,000 | $749,000 |
| Hispanic | 14 | $1,970,000 | $140,000 | $615,000 | $108,000 | $260,000 |
| Not applicable | 6 | $1,810,000 | $301,000 | $525,000 | $0 | $0 |
| Black or African American | 3 | $275,000 | $91,000 | $135,000 | $129,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 84 | $18,730,000 | $222,000 | $1,545,000 | $168,000 | $906,000 |
| 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 | 66 | $15,800,000 | $239,000 | $1,545,000 | $185,000 | $749,000 |
| Application Denied By Financial Institution | 9 | $1,295,000 | $143,000 | $405,000 | $60,000 | $134,000 |
| Application Withdrawn By Applicant | 9 | $1,635,000 | $181,000 | $535,000 | $162,000 | $906,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 81 | $18,425,000 | $227,000 | $1,545,000 | $172,000 | $906,000 |
| Credit History | 3 | $305,000 | $101,000 | $265,000 | $67,000 | $134,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Falls City National Bank's 2023 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 Falls City National Bank'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About