First American Bank, Ssb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First American Bank, Ssb 2004 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 | 3,203 |
| Total Mortgage Loan Application Amount | $331,006,000 |
| Average Mortgage Loan Application Amount | $173,583 |
| Highest Mortgage Loan Application Amount | $9,400,000 |
| Average Applicant Income | $99,333 |
| Highest Applicant Income | $3,670,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 660 | $ 73,469,000 | $ 111,000 | $ 83,000 |
| Ector County Texas | 375 | $ 24,883,000 | $ 66,000 | $ 50,000 |
| Randall County Texas | 263 | $ 25,912,000 | $ 98,000 | $ 83,000 |
| Midland County Texas | 221 | $ 24,299,000 | $ 109,000 | $ 70,000 |
| Taylor County Texas | 208 | $ 15,579,000 | $ 74,000 | $ 55,000 |
| Wichita County Texas | 184 | $ 11,421,000 | $ 62,000 | $ 66,000 |
| Dallas County Texas | 136 | $ 24,453,000 | $ 179,000 | $ 110,000 |
| Potter County Texas | 127 | $ 11,679,000 | $ 91,000 | $ 64,000 |
| Collin County Texas | 73 | $ 7,289,000 | $ 99,000 | $ 123,000 |
| Harris County Texas | 70 | $ 11,375,000 | $ 162,000 | $ 167,000 |
| Travis County Texas | 59 | $ 21,555,000 | $ 365,000 | $ 139,000 |
| Tarrant County Texas | 49 | $ 6,153,000 | $ 125,000 | $ 289,000 |
| Burleson County Texas | 43 | $ 3,161,000 | $ 73,000 | $ 68,000 |
| Brown County Texas | 35 | $ 1,264,000 | $ 36,000 | $ 56,000 |
| Denton County Texas | 31 | $ 3,947,000 | $ 127,000 | $ 95,000 |
| Tom Green County Texas | 29 | $ 2,020,000 | $ 69,000 | $ 106,000 |
| Palo Pinto County Texas | 22 | $ 1,605,000 | $ 72,000 | $ 67,000 |
| Fort Bend County Texas | 20 | $ 3,307,000 | $ 165,000 | $ 113,000 |
| Hunt County Texas | 20 | $ 1,853,000 | $ 92,000 | $ 103,000 |
| Runnels County Texas | 20 | $ 1,260,000 | $ 63,000 | $ 51,000 |
| Wise County Texas | 20 | $ 1,200,000 | $ 60,000 | $ 55,000 |
| Montgomery County Texas | 19 | $ 3,326,000 | $ 175,000 | $ 169,000 |
| McCulloch County Texas | 18 | $ 1,176,000 | $ 65,000 | $ 63,000 |
| Baylor County Texas | 15 | $ 545,000 | $ 36,000 | $ 44,000 |
| Deaf Smith County Texas | 15 | $ 591,000 | $ 39,000 | $ 51,000 |
| Gray County Texas | 15 | $ 737,000 | $ 49,000 | $ 71,000 |
| Montague County Texas | 15 | $ 1,072,000 | $ 71,000 | $ 69,000 |
| Parker County Texas | 15 | $ 1,287,000 | $ 85,000 | $ 75,000 |
| Rockwall County Texas | 15 | $ 6,708,000 | $ 447,000 | $ 191,000 |
| Hays County Texas | 14 | $ 1,703,000 | $ 121,000 | $ 198,000 |
| Robertson County Texas | 13 | $ 1,212,000 | $ 93,000 | $ 57,000 |
| Stephens County Texas | 13 | $ 478,000 | $ 36,000 | $ 45,000 |
| Callahan County Texas | 12 | $ 1,226,000 | $ 102,000 | $ 54,000 |
| Comanche County Texas | 12 | $ 471,000 | $ 39,000 | $ 58,000 |
| Archer County Texas | 11 | $ 1,186,000 | $ 107,000 | $ 65,000 |
| Jones County Texas | 11 | $ 675,000 | $ 61,000 | $ 72,000 |
| Grimes County Texas | 10 | $ 1,241,000 | $ 124,000 | $ 78,000 |
| Scurry County Texas | 10 | $ 326,000 | $ 32,000 | $ 51,000 |
| Williamson County Texas | 10 | $ 2,299,000 | $ 229,000 | $ 71,000 |
| Young County Texas | 10 | $ 793,000 | $ 79,000 | $ 58,000 |
| Carson County Texas | 9 | $ 652,000 | $ 72,000 | $ 67,000 |
| Erath County Texas | 9 | $ 546,000 | $ 60,000 | $ 60,000 |
| Lubbock County Texas | 9 | $ 743,000 | $ 82,000 | $ 48,000 |
| Andrews County Texas | 8 | $ 490,000 | $ 61,000 | $ 35,000 |
| Wilbarger County Texas | 8 | $ 576,000 | $ 72,000 | $ 38,000 |
| Eastland County Texas | 7 | $ 299,000 | $ 42,000 | $ 48,000 |
| Henderson County Texas | 7 | $ 690,000 | $ 98,000 | $ 104,000 |
| Hutchinson County Texas | 7 | $ 274,000 | $ 39,000 | $ 55,000 |
| Armstrong County Texas | 6 | $ 789,000 | $ 131,000 | $ 72,000 |
| Galveston County Texas | 6 | $ 922,000 | $ 153,000 | $ 94,000 |
| Llano County Texas | 6 | $ 1,774,000 | $ 295,000 | $ 220,000 |
| Lampasas County Texas | 5 | $ 251,000 | $ 50,000 | $ 80,000 |
| Leon County Texas | 5 | $ 420,000 | $ 84,000 | $ 95,000 |
| Moore County Texas | 5 | $ 588,000 | $ 117,000 | $ 58,000 |
| Washington County Texas | 5 | $ 643,000 | $ 128,000 | $ 74,000 |
| Cooke County Texas | 4 | $ 129,000 | $ 32,000 | $ 16,000 |
| Haskell County Texas | 4 | $ 280,000 | $ 70,000 | $ 44,000 |
| Howard County Texas | 4 | $ 241,000 | $ 60,000 | $ 39,000 |
| Jack County Texas | 4 | $ 272,000 | $ 68,000 | $ 62,000 |
| Ochiltree County Texas | 4 | $ 44,000 | $ 11,000 | $ 52,000 |
| Smith County Texas | 4 | $ 630,000 | $ 157,000 | $ 73,000 |
| Comanche County Oklahoma | 3 | $ 254,000 | $ 84,000 | $ 77,000 |
| Ellis County Texas | 3 | $ 191,000 | $ 63,000 | $ 71,000 |
| Hopkins County Texas | 3 | $ 142,000 | $ 47,000 | $ 635,000 |
| Milam County Texas | 3 | $ 225,000 | $ 75,000 | $ 119,000 |
| Nolan County Texas | 3 | $ 346,000 | $ 115,000 | $ 155,000 |
| Colfax County New Mexico | 2 | $ 255,000 | $ 127,000 | $ 280,000 |
| Lincoln County New Mexico | 2 | $ 263,000 | $ 131,000 | $ 145,000 |
| Cotton County Oklahoma | 2 | $ 51,000 | $ 25,000 | $ 57,000 |
| Bexar County Texas | 2 | $ 340,000 | $ 170,000 | $ 158,000 |
| Clay County Texas | 2 | $ 28,000 | $ 14,000 | $ 53,000 |
| Concho County Texas | 2 | $ 43,000 | $ 21,000 | $ 47,000 |
| Coryell County Texas | 2 | $ 22,000 | $ 11,000 | $ 112,000 |
| Crane County Texas | 2 | $ 140,000 | $ 70,000 | $ 37,000 |
| Franklin County Texas | 2 | $ 266,000 | $ 133,000 | $ 238,000 |
| Hamilton County Texas | 2 | $ 214,000 | $ 107,000 | $ 58,000 |
| Hood County Texas | 2 | $ 168,000 | $ 84,000 | $ 1,604,000 |
| Kerr County Texas | 2 | $ 587,000 | $ 293,000 | $ 205,000 |
| Madison County Texas | 2 | $ 170,000 | $ 85,000 | $ 145,000 |
| Mason County Texas | 2 | $ 60,000 | $ 30,000 | $ 57,000 |
| McLennan County Texas | 2 | $ 305,000 | $ 152,000 | $ 33,000 |
| Panola County Texas | 2 | $ 76,000 | $ 38,000 | $ 135,000 |
| Shackelford County Texas | 2 | $ 195,000 | $ 97,000 | $ 66,000 |
| Van Zandt County Texas | 2 | $ 308,000 | $ 154,000 | $ 56,000 |
| Huerfano County Colorado | 1 | $ 175,000 | $ 175,000 | $ 181,000 |
| Jefferson County Colorado | 1 | $ 250,000 | $ 250,000 | $ 83,000 |
| Park County Colorado | 1 | $ 80,000 | $ 80,000 | $ 83,000 |
| Summit County Colorado | 1 | $ 386,000 | $ 386,000 | $ 122,000 |
| Miami-Dade County Florida | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Lea County New Mexico | 1 | $ 10,000 | $ 10,000 | $ 91,000 |
| Otero County New Mexico | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Payne County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 156,000 |
| Bastrop County Texas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Bell County Texas | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Bowie County Texas | 1 | $ 25,000 | $ 25,000 | $ 11,000 |
| Brewster County Texas | 1 | $ 40,000 | $ 40,000 | $ 117,000 |
| Burnet County Texas | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Calhoun County Texas | 1 | $ 102,000 | $ 102,000 | $ 27,000 |
| Castro County Texas | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Chambers County Texas | 1 | $ 139,000 | $ 139,000 | $ 200,000 |
| Coleman County Texas | 1 | $ 36,000 | $ 36,000 | $ 30,000 |
| Comal County Texas | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Dallam County Texas | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Donley County Texas | 1 | $ 12,000 | $ 12,000 | $ 36,000 |
| Fannin County Texas | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Gaines County Texas | 1 | $ 91,000 | $ 91,000 | $ 67,000 |
| Gregg County Texas | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Guadalupe County Texas | 1 | $ 63,000 | $ 63,000 | $ 124,000 |
| Hartley County Texas | 1 | $ 4,000 | $ 4,000 | $ 35,000 |
| Hidalgo County Texas | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Hill County Texas | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Johnson County Texas | 1 | $ 92,000 | $ 92,000 | $ 43,000 |
| Knox County Texas | 1 | $ 28,000 | $ 28,000 | $ 53,000 |
| Lee County Texas | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Liberty County Texas | 1 | $ 12,000 | $ 12,000 | $ 21,000 |
| Martin County Texas | 1 | $ 54,000 | $ 54,000 | $ 65,000 |
| Matagorda County Texas | 1 | $ 48,000 | $ 48,000 | $ 92,000 |
| Navarro County Texas | 1 | $ 58,000 | $ 58,000 | $ 54,000 |
| Nueces County Texas | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Somervell County Texas | 1 | $ 166,000 | $ 166,000 | $ 94,000 |
| Swisher County Texas | 1 | $ 8,000 | $ 8,000 | $ 42,000 |
| Val Verde County Texas | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Walker County Texas | 1 | $ 33,000 | $ 33,000 | $ 49,000 |
| Wheeler County Texas | 1 | $ 33,000 | $ 33,000 | $ 62,000 |
| Winkler County Texas | 1 | $ 36,000 | $ 36,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for First American Bank, Ssb 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,943 | $206,318,000 | $221,166 | $3,000,000 | $84,666 | $3,670,000 |
| Refinancing | 776 | $102,730,000 | $226,333 | $2,080,000 | $145,666 | $1,329,000 |
| Home Improvement | 484 | $21,958,000 | $25,666 | $9,400,000 | $82,333 | $430,000 |
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 |
|---|---|---|---|---|---|---|
| White | 2,608 | $263,450,000 | $121,400 | $2,500,000 | $99,800 | $3,150,000 |
| Hispanic | 354 | $24,040,000 | $65,500 | $488,000 | $64,000 | $3,670,000 |
| Not applicable | 71 | $25,718,000 | $447,500 | $9,400,000 | $39,000 | $660,000 |
| Black or African American | 65 | $5,320,000 | $125,000 | $242,000 | $65,500 | $600,000 |
| Asian | 57 | $9,052,000 | $162,000 | $607,000 | $129,000 | $600,000 |
| Not Provided | 28 | $1,854,000 | $66,000 | $396,000 | $85,000 | $522,000 |
| American Indian or Alaskan Native | 13 | $694,000 | $53,000 | $133,000 | $142,000 | $706,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $878,000 | $125,000 | $216,000 | $58,000 | $90,000 |
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) | 2,782 | $295,370,000 | $191,333 | $9,400,000 | $87,000 | $3,670,000 |
| FHA-insured (Federal Housing Administration) | 354 | $28,461,000 | $91,666 | $167,000 | $48,333 | $324,000 |
| VA-guaranteed (Veterans Administration) | 67 | $7,175,000 | $113,000 | $226,000 | $63,500 | $115,000 |
| 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 | 2,240 | $234,686,000 | $203,800 | $9,400,000 | $87,800 | $3,150,000 |
| Application Withdrawn By Applicant | 403 | $46,151,000 | $188,250 | $1,450,000 | $140,250 | $3,670,000 |
| Application Denied By Financial Institution | 311 | $19,095,000 | $61,000 | $620,000 | $68,000 | $1,310,000 |
| File Closed For Incompleteness | 138 | $20,833,000 | $150,000 | $2,080,000 | $108,000 | $1,008,000 |
| Preapproval Approved but not Accepted | 49 | $4,878,000 | $99,000 | $400,000 | $48,000 | $192,000 |
| Application Approved But Not Accepted | 45 | $3,798,000 | $84,000 | $334,000 | $73,000 | $325,000 |
| Preapproval Denied by Financial Institution | 17 | $1,565,000 | $92,000 | $173,000 | $55,000 | $91,000 |
| 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 | 85 | $6,015,000 | $86,000 | $620,000 | $79,500 | $706,000 |
| Debt-To-Income Ratio | 51 | $4,698,000 | $131,500 | $221,000 | $66,000 | $324,000 |
| Other | 24 | $2,435,000 | $101,000 | $339,000 | $175,000 | $1,310,000 |
| Collateral | 23 | $1,872,000 | $81,000 | $320,000 | $62,000 | $209,000 |
| Credit Application Incomplete | 9 | $843,000 | $92,000 | $164,000 | $46,000 | $108,000 |
| Unverifiable Information | 9 | $1,007,000 | $111,000 | $234,000 | $90,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $338,000 | $56,000 | $133,000 | $42,000 | $88,000 |
| Employment History | 2 | $187,000 | $93,000 | $130,000 | $37,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank, Ssb'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 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.