First American Bank, Ssb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First American Bank, Ssb 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First American Bank, Ssb 2800 South Texas Ave Bryan, TX 77805 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,850 |
| Total Mortgage Loan Application Amount | $394,838,000 |
| Average Mortgage Loan Application Amount | $160,100 |
| Highest Mortgage Loan Application Amount | $3,450,000 |
| Average Applicant Income | $93,900 |
| Highest Applicant Income | $2,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First American Bank, Ssb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First American Bank, Ssb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First American Bank, Ssb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First American Bank, Ssb serves its applicants.
Each category highlights the total number of mortgage applications processed by First American Bank, Ssb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First American Bank, Ssb's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brazos County Texas | 840 | $ 103,717,000 | $ 123,000 | $ 78,000 |
| Ector County Texas | 422 | $ 29,625,000 | $ 70,000 | $ 67,000 |
| Randall County Texas | 372 | $ 39,771,000 | $ 106,000 | $ 66,000 |
| Midland County Texas | 288 | $ 25,744,000 | $ 89,000 | $ 71,000 |
| Wichita County Texas | 275 | $ 19,677,000 | $ 71,000 | $ 67,000 |
| Taylor County Texas | 251 | $ 18,304,000 | $ 72,000 | $ 46,000 |
| Dallas County Texas | 149 | $ 26,148,000 | $ 175,000 | $ 100,000 |
| Potter County Texas | 140 | $ 14,519,000 | $ 103,000 | $ 87,000 |
| Collin County Texas | 100 | $ 12,072,000 | $ 120,000 | $ 103,000 |
| Burleson County Texas | 72 | $ 6,069,000 | $ 84,000 | $ 59,000 |
| Travis County Texas | 66 | $ 17,994,000 | $ 272,000 | $ 94,000 |
| Tarrant County Texas | 61 | $ 7,742,000 | $ 126,000 | $ 89,000 |
| Denton County Texas | 50 | $ 6,532,000 | $ 130,000 | $ 115,000 |
| Palo Pinto County Texas | 40 | $ 2,761,000 | $ 69,000 | $ 71,000 |
| Harris County Texas | 39 | $ 9,357,000 | $ 239,000 | $ 115,000 |
| Brown County Texas | 36 | $ 995,000 | $ 27,000 | $ 45,000 |
| Wise County Texas | 30 | $ 3,718,000 | $ 123,000 | $ 158,000 |
| Montague County Texas | 28 | $ 1,707,000 | $ 60,000 | $ 52,000 |
| Parker County Texas | 28 | $ 2,320,000 | $ 82,000 | $ 54,000 |
| Tom Green County Texas | 28 | $ 2,248,000 | $ 80,000 | $ 82,000 |
| Robertson County Texas | 24 | $ 1,930,000 | $ 80,000 | $ 83,000 |
| Gray County Texas | 22 | $ 747,000 | $ 33,000 | $ 73,000 |
| Hays County Texas | 21 | $ 2,634,000 | $ 125,000 | $ 72,000 |
| Young County Texas | 21 | $ 1,159,000 | $ 55,000 | $ 49,000 |
| Fort Bend County Texas | 19 | $ 3,341,000 | $ 175,000 | $ 119,000 |
| Runnels County Texas | 19 | $ 955,000 | $ 50,000 | $ 37,000 |
| Erath County Texas | 18 | $ 1,032,000 | $ 57,000 | $ 64,000 |
| McCulloch County Texas | 17 | $ 896,000 | $ 52,000 | $ 29,000 |
| Howard County Texas | 16 | $ 882,000 | $ 55,000 | $ 34,000 |
| Eastland County Texas | 14 | $ 937,000 | $ 66,000 | $ 46,000 |
| Jones County Texas | 14 | $ 589,000 | $ 42,000 | $ 49,000 |
| Lampasas County Texas | 13 | $ 726,000 | $ 55,000 | $ 49,000 |
| Stephens County Texas | 13 | $ 483,000 | $ 37,000 | $ 48,000 |
| Archer County Texas | 11 | $ 1,046,000 | $ 95,000 | $ 62,000 |
| Comanche County Texas | 11 | $ 585,000 | $ 53,000 | $ 61,000 |
| Galveston County Texas | 11 | $ 1,311,000 | $ 119,000 | $ 56,000 |
| Callahan County Texas | 10 | $ 555,000 | $ 55,000 | $ 37,000 |
| Deaf Smith County Texas | 10 | $ 229,000 | $ 22,000 | $ 48,000 |
| Montgomery County Texas | 10 | $ 1,328,000 | $ 132,000 | $ 203,000 |
| Scurry County Texas | 10 | $ 290,000 | $ 29,000 | $ 43,000 |
| Williamson County Texas | 10 | $ 1,178,000 | $ 117,000 | $ 88,000 |
| Lubbock County Texas | 9 | $ 1,204,000 | $ 133,000 | $ 39,000 |
| Baylor County Texas | 8 | $ 457,000 | $ 57,000 | $ 49,000 |
| Clay County Texas | 8 | $ 302,000 | $ 37,000 | $ 59,000 |
| Grimes County Texas | 8 | $ 583,000 | $ 72,000 | $ 74,000 |
| Jack County Texas | 7 | $ 476,000 | $ 68,000 | $ 36,000 |
| Carson County Texas | 6 | $ 426,000 | $ 71,000 | $ 53,000 |
| Cooke County Texas | 6 | $ 343,000 | $ 57,000 | $ 73,000 |
| Haskell County Texas | 6 | $ 239,000 | $ 39,000 | $ 32,000 |
| Ward County Texas | 6 | $ 153,000 | $ 25,000 | $ 46,000 |
| Coleman County Texas | 5 | $ 415,000 | $ 83,000 | $ 52,000 |
| Grayson County Texas | 5 | $ 665,000 | $ 133,000 | $ 106,000 |
| Hutchinson County Texas | 5 | $ 172,000 | $ 34,000 | $ 37,000 |
| Leon County Texas | 5 | $ 439,000 | $ 87,000 | $ 29,000 |
| Llano County Texas | 5 | $ 1,738,000 | $ 347,000 | $ 131,000 |
| Mason County Texas | 5 | $ 302,000 | $ 60,000 | $ 100,000 |
| Washington County Texas | 5 | $ 490,000 | $ 98,000 | $ 99,000 |
| Wilbarger County Texas | 5 | $ 230,000 | $ 46,000 | $ 66,000 |
| Armstrong County Texas | 4 | $ 421,000 | $ 105,000 | $ 63,000 |
| Bastrop County Texas | 4 | $ 416,000 | $ 104,000 | $ 69,000 |
| Brazoria County Texas | 4 | $ 477,000 | $ 119,000 | $ 90,000 |
| Milam County Texas | 4 | $ 499,000 | $ 124,000 | $ 88,000 |
| Mitchell County Texas | 4 | $ 233,000 | $ 58,000 | $ 38,000 |
| Moore County Texas | 4 | $ 95,000 | $ 23,000 | $ 64,000 |
| Rockwall County Texas | 4 | $ 319,000 | $ 79,000 | $ 62,000 |
| Andrews County Texas | 3 | $ 227,000 | $ 75,000 | $ 47,000 |
| Crane County Texas | 3 | $ 155,000 | $ 51,000 | $ 66,000 |
| Ellis County Texas | 3 | $ 1,055,000 | $ 351,000 | $ 134,000 |
| Freestone County Texas | 3 | $ 534,000 | $ 178,000 | $ 107,000 |
| Knox County Texas | 3 | $ 41,000 | $ 13,000 | $ 40,000 |
| San Saba County Texas | 3 | $ 307,000 | $ 102,000 | $ 57,000 |
| Marshall County Oklahoma | 2 | $ 145,000 | $ 72,000 | $ 301,000 |
| Burnet County Texas | 2 | $ 367,000 | $ 183,000 | $ 508,000 |
| Caldwell County Texas | 2 | $ 162,000 | $ 81,000 | $ 27,000 |
| Comal County Texas | 2 | $ 84,000 | $ 42,000 | $ 96,000 |
| Dawson County Texas | 2 | $ 73,000 | $ 36,000 | $ 44,000 |
| Hardeman County Texas | 2 | $ 29,000 | $ 14,000 | $ 36,000 |
| Jeff Davis County Texas | 2 | $ 263,000 | $ 131,000 | $ 112,000 |
| Kerr County Texas | 2 | $ 402,000 | $ 201,000 | $ 209,000 |
| Limestone County Texas | 2 | $ 203,000 | $ 101,000 | $ 441,000 |
| McLennan County Texas | 2 | $ 636,000 | $ 318,000 | $ 23,000 |
| Reagan County Texas | 2 | $ 53,000 | $ 26,000 | $ 19,000 |
| San Jacinto County Texas | 2 | $ 120,000 | $ 60,000 | $ 102,000 |
| Throckmorton County Texas | 2 | $ 261,000 | $ 130,000 | $ 58,000 |
| Uvalde County Texas | 2 | $ 389,000 | $ 194,000 | $ 91,000 |
| Winkler County Texas | 2 | $ 101,000 | $ 50,000 | $ 47,000 |
| Huerfano County Colorado | 1 | $ 175,000 | $ 175,000 | $ 181,000 |
| Marion County Florida | 1 | $ 82,000 | $ 82,000 | $ 27,000 |
| Lincoln County New Mexico | 1 | $ 70,000 | $ 70,000 | $ 89,000 |
| Taos County New Mexico | 1 | $ 177,000 | $ 177,000 | $ 206,000 |
| Jefferson County Oklahoma | 1 | $ 14,000 | $ 14,000 | $ 19,000 |
| Tillman County Oklahoma | 1 | $ 13,000 | $ 13,000 | $ 33,000 |
| Tulsa County Oklahoma | 1 | $ 82,000 | $ 82,000 | $ 126,000 |
| Austin County Texas | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Bailey County Texas | 1 | $ 171,000 | $ 171,000 | $ 147,000 |
| Bandera County Texas | 1 | $ 94,000 | $ 94,000 | $ 66,000 |
| Bexar County Texas | 1 | $ 97,000 | $ 97,000 | $ 217,000 |
| Bowie County Texas | 1 | $ 49,000 | $ 49,000 | $ 145,000 |
| Concho County Texas | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Dimmit County Texas | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Donley County Texas | 1 | $ 150,000 | $ 150,000 | $ 384,000 |
| Fannin County Texas | 1 | $ 19,000 | $ 19,000 | $ 28,000 |
| Fisher County Texas | 1 | $ 23,000 | $ 23,000 | $ 45,000 |
| Goliad County Texas | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Hartley County Texas | 1 | $ 10,000 | $ 10,000 | $ 104,000 |
| Henderson County Texas | 1 | $ 237,000 | $ 237,000 | $ 278,000 |
| Hunt County Texas | 1 | $ 35,000 | $ 35,000 | $ 264,000 |
| Jefferson County Texas | 1 | $ 181,000 | $ 181,000 | $ 404,000 |
| Kaufman County Texas | 1 | $ 58,000 | $ 58,000 | $ 42,000 |
| Lee County Texas | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
| Live Oak County Texas | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Marion County Texas | 1 | $ 184,000 | $ 184,000 | $ 107,000 |
| Menard County Texas | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Nolan County Texas | 1 | $ 44,000 | $ 44,000 | $ 21,000 |
| Nueces County Texas | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Oldham County Texas | 1 | $ 67,000 | $ 67,000 | $ 28,000 |
| Parmer County Texas | 1 | $ 4,000 | $ 4,000 | $ 61,000 |
| Polk County Texas | 1 | $ 120,000 | $ 120,000 | $ 152,000 |
| Presidio County Texas | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Roberts County Texas | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Shackelford County Texas | 1 | $ 27,000 | $ 27,000 | $ 96,000 |
| Smith County Texas | 1 | $ 256,000 | $ 256,000 | $ 188,000 |
| Upshur County Texas | 1 | $ 172,000 | $ 172,000 | $ 396,000 |
| Walker County Texas | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Waller County Texas | 1 | $ 79,000 | $ 79,000 | $ 61,000 |
| Wood County Texas | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Yoakum County Texas | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for First American Bank, Ssb 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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 1,771 | $185,053,000 | $90,750 | $1,360,000 | $90,250 | $2,000,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1,540 | $186,397,000 | $110,000 | $1,430,000 | $127,000 | $957,000 |
| Home Improvement (one-to-four family) | 524 | $11,741,000 | $22,000 | $317,000 | $70,000 | $960,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 15 | $11,647,000 | $776,000 | $3,450,000 | $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 | 3,125 | $318,732,000 | $111,200 | $1,430,000 | $136,000 | $2,000,000 |
| Hispanic | 346 | $21,960,000 | $38,500 | $470,000 | $35,000 | $360,000 |
| Information not provided by applicant in mail or telephone application | 138 | $17,638,000 | $70,500 | $1,107,000 | $53,000 | $686,000 |
| Black | 64 | $5,692,000 | $88,000 | $280,000 | $60,000 | $558,000 |
| Not applicable | 63 | $16,848,000 | $267,000 | $3,450,000 | $0 | $0 |
| Asian or Pacific Islander | 57 | $7,108,000 | $124,000 | $323,000 | $78,000 | $840,000 |
| Other | 46 | $6,118,000 | $133,000 | $592,000 | $189,000 | $957,000 |
| American Indian or Alaskan Native | 11 | $742,000 | $67,000 | $129,000 | $57,000 | $174,000 |
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) | 3,308 | $350,497,000 | $107,200 | $3,450,000 | $118,800 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 468 | $36,961,000 | $78,000 | $225,000 | $43,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 74 | $7,380,000 | $99,000 | $193,000 | $58,000 | $145,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,854 | $291,904,000 | $118,000 | $3,450,000 | $178,000 | $2,000,000 |
| Application Withdrawn By Applicant | 407 | $48,370,000 | $118,000 | $1,430,000 | $75,000 | $835,000 |
| Application Denied By Financial Institution | 335 | $24,461,000 | $77,000 | $2,600,000 | $89,500 | $563,000 |
| File Closed For Incompleteness | 195 | $23,598,000 | $72,333 | $900,000 | $43,333 | $840,000 |
| Application Approved But Not Accepted | 59 | $6,505,000 | $110,000 | $650,000 | $104,000 | $600,000 |
| 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 | 81 | $7,805,000 | $89,000 | $830,000 | $94,500 | $563,000 |
| Debt-To-Income Ratio | 59 | $5,968,000 | $101,000 | $553,000 | $43,000 | $229,000 |
| Other | 24 | $2,879,000 | $119,000 | $490,000 | $66,000 | $294,000 |
| Collateral | 13 | $791,000 | $60,000 | $100,000 | $33,000 | $82,000 |
| Unverifiable Information | 12 | $1,095,000 | $91,000 | $180,000 | $43,000 | $157,000 |
| Employment History | 5 | $268,000 | $53,000 | $97,000 | $54,000 | $168,000 |
| Credit Application Incomplete | 2 | $221,000 | $110,000 | $113,000 | $62,000 | $72,000 |
| Mortgage Insurance Denied | 2 | $210,000 | $105,000 | $140,000 | $101,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $114,000 | $114,000 | $114,000 | $37,000 | $37,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank, Ssb'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 First American Bank, Ssb'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.