Farm Bureau Bank Mortgage Lending & HMDA Data, 2003
In 2003, Farm Bureau Bank of San Antonio, TX reported 319 mortgage applications totaling $32.8 million. The average application was for $102,799, and applicants reported an average income of $60,203. 29% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (9), San Antonio, TX (7) and Nashville, TN (6) (applications in parentheses).
| Mortgage Company & Address | Farm Bureau Bank 17300 Henderson Pass Suite 100 San Antonio, TX 78232 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 319 |
| Total Mortgage Loan Application Amount | $32,793,000 |
| Average Mortgage Loan Application Amount | $102,799 |
| Highest Mortgage Loan Application Amount | $372,000 |
| Average Applicant Income | $60,203 |
| Highest Applicant Income | $275,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farm Bureau Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 923,000 | $ 102,555 | $ 103,000 |
| San Antonio, TX | 7 | $ 570,000 | $ 81,428 | $ 35,000 |
| Nashville, TN | 6 | $ 895,000 | $ 149,166 | $ 66,000 |
| Indianapolis, IN | 5 | $ 939,000 | $ 187,800 | $ 138,000 |
| Little Rock-North Little Rock, AR | 5 | $ 349,000 | $ 69,800 | $ 38,000 |
| Dallas, TX | 4 | $ 323,000 | $ 80,750 | $ 53,000 |
| Houston, TX | 4 | $ 545,000 | $ 136,250 | $ 60,000 |
| Jacksonville, FL | 4 | $ 327,000 | $ 81,750 | $ 30,000 |
| West Palm Beach-Boca Raton, FL | 4 | $ 671,000 | $ 167,750 | $ 59,000 |
| Birmingham, AL | 3 | $ 274,000 | $ 91,333 | $ 66,000 |
| Columbia, SC | 3 | $ 303,000 | $ 101,000 | $ 35,000 |
| Des Moines, IA | 3 | $ 391,000 | $ 130,333 | $ 127,000 |
| Fort Myers-Cape Coral, FL | 3 | $ 201,000 | $ 67,000 | $ 63,000 |
| Galveston-Texas City, TX | 3 | $ 340,000 | $ 113,333 | $ 69,000 |
| Houma, LA | 3 | $ 217,000 | $ 72,333 | $ 49,000 |
| Jackson, MS | 3 | $ 234,000 | $ 78,000 | $ 63,000 |
| Lafayette, LA | 3 | $ 226,000 | $ 75,333 | $ 44,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 214,000 | $ 71,333 | $ 19,000 |
| Memphis, TN-AR-MS | 3 | $ 321,000 | $ 107,000 | $ 39,000 |
| New Orleans, LA | 3 | $ 315,000 | $ 105,000 | $ 81,000 |
| Ocala, FL | 3 | $ 341,000 | $ 113,666 | $ 53,000 |
| Baton Rouge, LA | 2 | $ 192,000 | $ 96,000 | $ 93,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 225,000 | $ 112,500 | $ 20,000 |
| Columbus, OH | 2 | $ 241,000 | $ 120,500 | $ 40,000 |
| Fort Pierce-Port St. Lucie, FL | 2 | $ 205,000 | $ 102,500 | $ 50,000 |
| Fort Worth-Arlington, TX | 2 | $ 250,000 | $ 125,000 | $ 75,000 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 216,000 | $ 108,000 | $ 26,000 |
| Miami, FL | 2 | $ 483,000 | $ 241,500 | $ 115,000 |
| Oklahoma City, OK | 2 | $ 192,000 | $ 96,000 | $ 49,000 |
| Orlando, FL | 2 | $ 221,000 | $ 110,500 | $ 67,000 |
| Amarillo, TX | 1 | $ 252,000 | $ 252,000 | $ 83,000 |
| Asheville, NC | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Auburn-Opelika, AL | 1 | $ 76,000 | $ 76,000 | $ 88,000 |
| Austin-San Marcos, TX | 1 | $ 119,000 | $ 119,000 | $ 77,000 |
| Bakersfield, CA | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Charleston-North Charleston, SC | 1 | $ 94,000 | $ 94,000 | $ 21,000 |
| Cincinnati, OH-KY-IN | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Dayton-Springfield, OH | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Daytona Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Decatur, AL | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Dothan, AL | 1 | $ 70,000 | $ 70,000 | $ 72,000 |
| Enid, OK | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Florence, SC | 1 | $ 62,000 | $ 62,000 | $ 23,000 |
| Gainesville, FL | 1 | $ 116,000 | $ 116,000 | $ 52,000 |
| Goldsboro, NC | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Huntsville, AL | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Kansas City, MO-KS | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Killeen-Temple, TX | 1 | $ 76,000 | $ 76,000 | $ 49,000 |
| Knoxville, TN | 1 | $ 69,000 | $ 69,000 | $ 73,000 |
| La Crosse, WI-MN | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Lakeland-Winter Haven, FL | 1 | $ 288,000 | $ 288,000 | $ 99,000 |
| Longview-Marshall, TX | 1 | $ 38,000 | $ 38,000 | $ 13,000 |
| Los Angeles-Long Beach, CA | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Louisville, KY-IN | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Mansfield, OH | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 153,000 | $ 153,000 | $ 78,000 |
| Mobile, AL | 1 | $ 112,000 | $ 112,000 | $ 127,000 |
| Myrtle Beach, SC | 1 | $ 179,000 | $ 179,000 | $ 110,000 |
| Naples, FL | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 153,000 | $ 153,000 | $ 62,000 |
| Panama City, FL | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Phoenix-Mesa, AZ | 1 | $ 99,000 | $ 99,000 | $ 33,000 |
| Portland-Vancouver, OR-WA | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Reno, NV | 1 | $ 158,000 | $ 158,000 | $ 172,000 |
| Sacramento, CA | 1 | $ 197,000 | $ 197,000 | $ 131,000 |
| Shreveport-Bossier City, LA | 1 | $ 43,000 | $ 43,000 | $ 27,000 |
| South Bend, IN | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Spokane, WA | 1 | $ 138,000 | $ 138,000 | $ 42,000 |
| Sumter, SC | 1 | $ 59,000 | $ 59,000 | $ 75,000 |
| Texarkana, TX-AR | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Tulsa, OK | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Victoria, TX | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Waco, TX | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Farm Bureau Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 245 | $24,754,000 | $104,500 | $372,000 | $55,384 | $275,000 |
| Home Purchase (one-to-four family) | 74 | $8,039,000 | $119,571 | $334,000 | $72,928 | $275,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 223 | $24,162,000 | $110,040 | $334,000 | $61,240 | $275,000 |
| Information not provided by applicant in mail or telephone application | 72 | $6,758,000 | $96,800 | $372,000 | $54,133 | $175,000 |
| Black | 13 | $1,058,000 | $77,714 | $133,000 | $38,571 | $75,000 |
| Hispanic | 9 | $698,000 | $97,250 | $155,000 | $70,500 | $145,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $53,000 | $53,000 |
| Asian or Pacific Islander | 1 | $77,000 | $77,000 | $77,000 | $120,000 | $120,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 315 | $32,423,000 | $106,962 | $372,000 | $59,518 | $275,000 |
| FHA-insured (Federal Housing Administration) | 3 | $273,000 | $81,000 | $133,000 | $24,500 | $32,000 |
| VA-guaranteed (Veterans Administration) | 1 | $97,000 | $97,000 | $97,000 | $67,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 117 | $12,238,000 | $102,363 | $350,000 | $64,500 | $275,000 |
| Loan Originated | 94 | $9,884,000 | $109,944 | $334,000 | $71,500 | $275,000 |
| Application Denied By Financial Institution | 84 | $7,735,000 | $100,000 | $306,000 | $40,000 | $180,000 |
| File Closed For Incompleteness | 23 | $2,780,000 | $115,333 | $372,000 | $56,833 | $120,000 |
| Application Approved But Not Accepted | 1 | $156,000 | $156,000 | $156,000 | $184,000 | $184,000 |
| Loan Purchased By The 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 | 30 | $2,352,000 | $79,615 | $230,000 | $33,692 | $85,000 |
| Collateral | 24 | $2,765,000 | $131,500 | $306,000 | $57,200 | $180,000 |
| Debt-To-Income Ratio | 11 | $946,000 | $78,571 | $145,000 | $26,000 | $36,000 |
| Other | 9 | $737,000 | $90,142 | $250,000 | $48,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $378,000 | $101,000 | $114,000 | $39,500 | $49,000 |
| Credit Application Incomplete | 4 | $374,000 | $91,333 | $100,000 | $64,666 | $83,000 |
| Unverifiable Information | 2 | $183,000 | $91,500 | $93,000 | $68,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Bureau Bank's 2003 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 Farm Bureau 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.
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