Farm Bureau Bank Mortgage Lending & HMDA Data, 2004
In 2004, Farm Bureau Bank of San Antonio, TX reported 471 mortgage applications totaling $47.6 million, up 48% from 2003. The average application was for $100,974, and applicants reported an average income of $54,728. 27% of its applications resulted in an originated loan and 29% were denied. Its largest markets were San Antonio, TX (19), Baton Rouge, LA (12) and Little Rock-North Little Rock, AR (12) (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 | 471 |
| Total Mortgage Loan Application Amount | $47,559,000 |
| Average Mortgage Loan Application Amount | $100,974 |
| Highest Mortgage Loan Application Amount | $510,000 |
| Average Applicant Income | $54,728 |
| Highest Applicant Income | $360,000 |
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Act (HMDA) records Farm Bureau Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Antonio, TX | 19 | $ 2,140,000 | $ 112,631 | $ 65,000 |
| Baton Rouge, LA | 12 | $ 1,201,000 | $ 100,083 | $ 49,000 |
| Little Rock-North Little Rock, AR | 12 | $ 1,203,000 | $ 100,250 | $ 59,000 |
| Lafayette, LA | 10 | $ 1,011,000 | $ 101,100 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 951,000 | $ 105,666 | $ 51,000 |
| Asheville, NC | 8 | $ 795,000 | $ 99,375 | $ 44,000 |
| Columbia, SC | 7 | $ 971,000 | $ 138,714 | $ 49,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,240,000 | $ 177,142 | $ 79,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 509,000 | $ 84,833 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 641,000 | $ 128,200 | $ 72,000 |
| Charleston-North Charleston, SC | 5 | $ 863,000 | $ 172,600 | $ 38,000 |
| Charlotte-Gastonia-Concord, NC-SC | 5 | $ 487,000 | $ 97,400 | $ 32,000 |
| Fort Worth-Arlington, TX | 5 | $ 700,000 | $ 140,000 | $ 69,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 349,000 | $ 69,800 | $ 50,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 402,000 | $ 80,400 | $ 35,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 471,000 | $ 94,200 | $ 108,000 |
| Austin-Round Rock, TX | 4 | $ 299,000 | $ 74,750 | $ 45,000 |
| Greensboro-High Point, NC | 4 | $ 461,000 | $ 115,250 | $ 79,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 527,000 | $ 131,750 | $ 64,000 |
| Lake Charles, LA | 4 | $ 517,000 | $ 129,250 | $ 43,000 |
| Raleigh-Cary, NC | 4 | $ 453,000 | $ 113,250 | $ 81,000 |
| Tulsa, OK | 4 | $ 373,000 | $ 93,250 | $ 64,000 |
| College Station-Bryan, TX | 3 | $ 150,000 | $ 50,000 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 251,000 | $ 83,666 | $ 41,000 |
| Jacksonville, FL | 3 | $ 396,000 | $ 132,000 | $ 54,000 |
| Johnson City, TN | 3 | $ 633,000 | $ 211,000 | $ 48,000 |
| Louisville, KY-IN | 3 | $ 498,000 | $ 166,000 | $ 81,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 607,000 | $ 202,333 | $ 84,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 349,000 | $ 116,333 | $ 29,000 |
| Oklahoma City, OK | 3 | $ 400,000 | $ 133,333 | $ 72,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 517,000 | $ 172,333 | $ 45,000 |
| Shreveport-Bossier City, LA | 3 | $ 218,000 | $ 72,666 | $ 69,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 383,000 | $ 127,666 | $ 57,000 |
| Amarillo, TX | 2 | $ 300,000 | $ 150,000 | $ 135,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 245,000 | $ 122,500 | $ 55,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 204,000 | $ 102,000 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 265,000 | $ 132,500 | $ 37,000 |
| Fayetteville, NC | 2 | $ 159,000 | $ 79,500 | $ 64,000 |
| Florence, SC | 2 | $ 139,000 | $ 69,500 | $ 45,000 |
| Gainesville, FL | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Goldsboro, NC | 2 | $ 80,000 | $ 40,000 | $ 42,000 |
| Hot Springs, AR | 2 | $ 219,000 | $ 109,500 | $ 94,000 |
| Jonesboro, AR | 2 | $ 134,000 | $ 67,000 | $ 52,000 |
| Lakeland, FL | 2 | $ 243,000 | $ 121,500 | $ 42,000 |
| Las Vegas-Paradise, NV | 2 | $ 243,000 | $ 121,500 | $ 57,000 |
| Lexington-Fayette, KY | 2 | $ 226,000 | $ 113,000 | $ 31,000 |
| Ocala, FL | 2 | $ 197,000 | $ 98,500 | $ 36,000 |
| Orlando, FL | 2 | $ 259,000 | $ 129,500 | $ 49,000 |
| Prescott, AZ | 2 | $ 148,000 | $ 74,000 | $ 45,000 |
| Punta Gorda, FL | 2 | $ 211,000 | $ 105,500 | $ 48,000 |
| San Angelo, TX | 2 | $ 159,000 | $ 79,500 | $ 64,000 |
| Spartanburg, SC | 2 | $ 185,000 | $ 92,500 | $ 71,000 |
| Sumter, SC | 2 | $ 169,000 | $ 84,500 | $ 20,000 |
| Victoria, TX | 2 | $ 169,000 | $ 84,500 | $ 101,000 |
| Waco, TX | 2 | $ 178,000 | $ 89,000 | $ 127,000 |
| Akron, OH | 1 | $ 157,000 | $ 157,000 | $ 50,000 |
| Bend, OR | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Brownsville-Harlingen, TX | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Columbus, IN | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Columbus, OH | 1 | $ 194,000 | $ 194,000 | $ 56,000 |
| Denver-Aurora, CO | 1 | $ 95,000 | $ 95,000 | $ 20,000 |
| Des Moines, IA | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Dothan, AL | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Durham, NC | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Elizabethtown, KY | 1 | $ 32,000 | $ 32,000 | $ 9,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 122,000 | $ 122,000 | $ 32,000 |
| Indianapolis, IN | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Jackson, MS | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Jackson, TN | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Knoxville, TN | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 40,000 | $ 40,000 | $ 12,000 |
| Morristown, TN | 1 | $ 132,000 | $ 132,000 | $ 48,000 |
| Naples-Marco Island, FL | 1 | $ 174,000 | $ 174,000 | $ 1,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 130,000 | $ 130,000 | $ 78,000 |
| Owensboro, KY | 1 | $ 86,000 | $ 86,000 | $ 26,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 63,000 | $ 63,000 | $ 46,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 87,000 | $ 87,000 | $ 55,000 |
| Racine, WI | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Redding, CA | 1 | $ 130,000 | $ 130,000 | $ 18,000 |
| Richmond, VA | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 204,000 | $ 204,000 | $ 70,000 |
| Rockingham County-Strafford County, NH | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Rocky Mount, NC | 1 | $ 210,000 | $ 210,000 | $ 180,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 110,000 | $ 110,000 | $ 46,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| St. Cloud, MN | 1 | $ 149,000 | $ 149,000 | $ 68,000 |
| Syracuse, NY | 1 | $ 152,000 | $ 152,000 | $ 76,000 |
| Tallahassee, FL | 1 | $ 70,000 | $ 70,000 | $ 56,000 |
| Winston-Salem, NC | 1 | $ 48,000 | $ 48,000 | $ 37,000 |
| Yuba City, CA | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Farm Bureau Bank in 2004
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 | 299 | $29,779,000 | $116,454 | $428,000 | $61,454 | $360,000 |
| Home Purchase | 171 | $17,704,000 | $104,000 | $510,000 | $44,863 | $240,000 |
| Home Improvement | 1 | $76,000 | $76,000 | $76,000 | $24,000 | $24,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 274 | $27,128,000 | $104,629 | $510,000 | $44,925 | $240,000 |
| White | 179 | $18,456,000 | $117,421 | $320,000 | $65,105 | $360,000 |
| Hispanic | 9 | $903,000 | $107,750 | $165,000 | $55,250 | $130,000 |
| Black or African American | 8 | $994,000 | $112,600 | $275,000 | $50,800 | $145,000 |
| American Indian or Alaskan Native | 1 | $78,000 | $78,000 | $78,000 | $26,000 | $26,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 470 | $47,486,000 | $108,900 | $510,000 | $52,233 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $73,000 | $73,000 | $73,000 | $51,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 170 | $17,827,000 | $106,850 | $428,000 | $51,000 | $240,000 |
| Application Denied By Financial Institution | 135 | $12,591,000 | $105,950 | $510,000 | $42,850 | $240,000 |
| Loan Originated | 128 | $13,502,000 | $111,857 | $320,000 | $66,095 | $360,000 |
| Application Withdrawn By Applicant | 29 | $2,764,000 | $100,800 | $250,000 | $64,600 | $144,000 |
| File Closed For Incompleteness | 9 | $875,000 | $99,142 | $180,000 | $54,000 | $179,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 95 | $7,990,000 | $89,368 | $209,000 | $38,000 | $240,000 |
| Debt-To-Income Ratio | 20 | $2,332,000 | $168,000 | $510,000 | $48,375 | $97,000 |
| Collateral | 12 | $1,349,000 | $113,888 | $283,000 | $60,222 | $120,000 |
| Other | 6 | $801,000 | $129,250 | $300,000 | $52,000 | $108,000 |
| Unverifiable Information | 2 | $119,000 | $59,500 | $69,000 | $30,000 | $45,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Bureau Bank's 2004 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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