Farm Bureau Bank Mortgage Lending & HMDA Data, 2005
In 2005, Farm Bureau Bank of San Antonio, TX reported 208 mortgage applications totaling $19.4 million, down 56% from 2004. The average application was for $93,442, and applicants reported an average income of $54,004. 43% of its applications resulted in an originated loan and 43% were denied. Its largest markets were Little Rock-North Little Rock, AR (6), San Antonio, TX (6) and New Orleans-Metairie-Kenner, LA (5) (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 | 208 |
| Total Mortgage Loan Application Amount | $19,436,000 |
| Average Mortgage Loan Application Amount | $93,442 |
| Highest Mortgage Loan Application Amount | $336,000 |
| Average Applicant Income | $54,004 |
| Highest Applicant Income | $195,000 |
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Act (HMDA) records Farm Bureau Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Little Rock-North Little Rock, AR | 6 | $ 531,000 | $ 88,500 | $ 54,000 |
| San Antonio, TX | 6 | $ 873,000 | $ 145,500 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 537,000 | $ 107,400 | $ 44,000 |
| Fort Smith, AR-OK | 4 | $ 170,000 | $ 42,500 | $ 25,000 |
| Pine Bluff, AR | 4 | $ 318,000 | $ 79,500 | $ 43,000 |
| Goldsboro, NC | 3 | $ 175,000 | $ 58,333 | $ 33,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 249,000 | $ 83,000 | $ 39,000 |
| Houston-Baytown-Sugar Land, TX | 3 | $ 332,000 | $ 110,666 | $ 52,000 |
| Columbia, SC | 2 | $ 193,000 | $ 96,500 | $ 38,000 |
| Florence, SC | 2 | $ 193,000 | $ 96,500 | $ 42,000 |
| Jacksonville, FL | 2 | $ 182,000 | $ 91,000 | $ 30,000 |
| Knoxville, TN | 2 | $ 186,000 | $ 93,000 | $ 67,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 287,000 | $ 143,500 | $ 74,000 |
| Orlando, FL | 2 | $ 434,000 | $ 217,000 | $ 61,000 |
| Terre Haute, IN | 2 | $ 276,000 | $ 138,000 | $ 62,000 |
| Waco, TX | 2 | $ 100,000 | $ 50,000 | $ 56,000 |
| Wilmington, NC | 2 | $ 282,000 | $ 141,000 | $ 49,000 |
| Winston-Salem, NC | 2 | $ 402,000 | $ 201,000 | $ 77,000 |
| Albuquerque, NM | 1 | $ 216,000 | $ 216,000 | $ 62,000 |
| Amarillo, TX | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Asheville, NC | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Austin-Round Rock, TX | 1 | $ 69,000 | $ 69,000 | $ 45,000 |
| Beaumont-Port Arthur, TX | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Brownsville-Harlingen, TX | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Burlington, NC | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 202,000 | $ 202,000 | $ 195,000 |
| Charleston-North Charleston, SC | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| Chattanooga, TN-GA | 1 | $ 148,000 | $ 148,000 | $ 120,000 |
| Corpus Christi, TX | 1 | $ 176,000 | $ 176,000 | $ 156,000 |
| Dallas-Plano-Irving, TX | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 64,000 | $ 64,000 | $ 45,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 87,000 | $ 87,000 | $ 39,000 |
| Greensboro-High Point, NC | 1 | $ 91,000 | $ 91,000 | $ 59,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 96,000 | $ 96,000 | $ 56,000 |
| Idaho Falls, ID | 1 | $ 181,000 | $ 181,000 | $ 144,000 |
| Indianapolis, IN | 1 | $ 111,000 | $ 111,000 | $ 78,000 |
| Jonesboro, AR | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Lafayette, LA | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
| Louisville, KY-IN | 1 | $ 27,000 | $ 27,000 | $ 17,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 130,000 | $ 130,000 | $ 57,000 |
| Monroe, LA | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Naples-Marco Island, FL | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| New Haven-Milford, CT | 1 | $ 181,000 | $ 181,000 | $ 30,000 |
| Oklahoma City, OK | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 220,000 | $ 220,000 | $ 110,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Prescott, AZ | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 274,000 | $ 274,000 | $ 74,000 |
| Punta Gorda, FL | 1 | $ 267,000 | $ 267,000 | $ 88,000 |
| Richmond, VA | 1 | $ 173,000 | $ 173,000 | $ 135,000 |
| Sandusky, OH | 1 | $ 79,000 | $ 79,000 | $ 45,000 |
| Shreveport-Bossier City, LA | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Tyler, TX | 1 | $ 254,000 | $ 254,000 | $ 85,000 |
| Vero Beach, FL | 1 | $ 133,000 | $ 133,000 | $ 35,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 74,000 | $ 74,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Farm Bureau Bank in 2005
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 | 165 | $15,283,000 | $113,000 | $336,000 | $59,684 | $193,000 |
| Home Purchase | 43 | $4,153,000 | $104,642 | $254,000 | $75,857 | $195,000 |
| Home Improvement | 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 | 163 | $15,836,000 | $120,952 | $274,000 | $67,666 | $195,000 |
| Black or African American | 16 | $1,043,000 | $61,857 | $133,000 | $37,714 | $95,000 |
| Not Provided | 12 | $978,000 | $81,250 | $120,000 | $47,625 | $77,000 |
| Hispanic | 9 | $1,033,000 | $116,000 | $336,000 | $46,333 | $82,000 |
| Asian | 6 | $380,000 | $71,500 | $95,000 | $39,250 | $60,000 |
| American Indian or Alaskan Native | 2 | $166,000 | $83,000 | $108,000 | $52,000 | $70,000 |
| 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) | 208 | $19,436,000 | $118,619 | $336,000 | $65,476 | $195,000 |
| 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 | 90 | $8,924,000 | $98,357 | $267,000 | $73,285 | $195,000 |
| Application Denied By Financial Institution | 90 | $8,389,000 | $120,352 | $336,000 | $51,588 | $156,000 |
| Application Approved But Not Accepted | 16 | $1,148,000 | $83,777 | $181,000 | $64,222 | $144,000 |
| Application Withdrawn By Applicant | 9 | $699,000 | $75,857 | $150,000 | $44,571 | $167,000 |
| File Closed For Incompleteness | 3 | $276,000 | $92,000 | $106,000 | $35,333 | $54,000 |
| 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 | 52 | $4,672,000 | $100,214 | $216,000 | $49,428 | $156,000 |
| Debt-To-Income Ratio | 24 | $2,511,000 | $121,555 | $336,000 | $43,444 | $132,000 |
| Other | 6 | $638,000 | $128,000 | $274,000 | $59,000 | $78,000 |
| Unverifiable Information | 2 | $78,000 | $39,000 | $48,000 | $22,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $176,000 | $88,000 | $110,000 | $46,000 | $59,000 |
| Collateral | 2 | $138,000 | $69,000 | $88,000 | $49,500 | $80,000 |
| Credit Application Incomplete | 2 | $176,000 | $88,000 | $132,000 | $68,500 | $108,000 |
| Employment History | 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 2005 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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